The 450 Fill-In-The-Blank: When An HOA Collection Agency Charges Top Dollar For Clerical Work — And Gets Paid Twice

If a collection agency works on contingency, the homeowner is not liable for its fees. An affidavit claiming $450/hour for “original research” when the work was clerical form-filing is a false statement that can be challenged directly.

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

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.