Texas Property Code

How An HOA Turned Unsecured Debt Into A Secured One — And Collected It With A Foreclosure

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An HOA assessment lien does not secure every type of charge. Fines, unexplained fees, and other amounts have no place in a foreforeclosure — but when the accounting is opaque, they can end up there anyway. Here is how it happens and how to fight back.

The Collection Letter That Says Nothing: When A 209.0064 Notice Is Legally Defective Even If It Arrives

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A § 209.0064 collection notice must itemize every charge and describe a real payment plan. If it doesn’t, you may not be liable for the collection agent’s fees — even if you never received the letter at all.

The Certified Mail Trap: How Texas Homeowners Can Lose Their Home Without Ever Knowing A Lawsuit Existed

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Before 2015, HOAs had to prove you actually received the notice. Then the law changed. Now they only have to prove they mailed it — and that one-word shift can cost you your home.

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