The FDCPA and TDCA: The Debt Collection Laws Most HOA Firms Don’t Know — And Why That Matters
The Property Code is a shield: it can stop an HOA foreclosure, but it has no damages action that makes the HOA pay, and its fee provisions run the association’s way. This part is about the sword. A written dispute can halt collection under 15 U.S.C. § 1692g(b) until the HOA verifies every charge — and the FDCPA and TDCA provide damages, statutory minimums, and attorney’s fees running the homeowner’s direction, including the automatic DTPA tie-in under § 392.404(a).
