{"id":122,"date":"2026-09-14T04:20:26","date_gmt":"2026-09-14T04:20:26","guid":{"rendered":"https:\/\/fightmytxhoa.com\/home\/?page_id=122"},"modified":"2026-09-14T21:51:08","modified_gmt":"2026-09-14T21:51:08","slug":"hoa-c","status":"publish","type":"page","link":"https:\/\/fightmytxhoa.com\/home\/hoa-c\/","title":{"rendered":"HOA-C"},"content":{"rendered":"\n<meta charset=\"utf-8\">\n  <meta name=\"viewport\" content=\"width=device-width, initial-scale=1\">\n  <title>Texas HOA Collections, Dunning &amp; Credit Kit | Chapter 209 \u00b7 FDCPA \u00b7 Finance Code 392<\/title>\n  <meta name=\"description\" content=\"Fill-in letters to itemize an HOA bill, demand a payment plan, stop illegal collector fees, and dispute what a management company reported to the credit bureaus. Instant PDF. Not legal advice.\">\n  <style>\n    :root {\n      --ink: #1c241c;\n      --muted: #4a5548;\n      --line: #d5d2c8;\n      --paper: #f6f3ea;\n      --card: #fffcf5;\n      --accent: #2f4f3a;\n      --accent-2: #8b3a2a;\n      --gold: #c4a35a;\n    }\n    * { box-sizing: border-box; }\n    body {\n      margin: 0;\n      font-family: Georgia, \"Times New Roman\", serif;\n      color: var(--ink);\n      background: var(--paper);\n      line-height: 1.55;\n    }\n    .wrap { max-width: 760px; margin: 0 auto; padding: 28px 20px 80px; }\n    .kicker {\n      font-family: Arial, Helvetica, sans-serif;\n      font-size: 12px;\n      letter-spacing: .14em;\n      text-transform: uppercase;\n      color: var(--accent);\n      font-weight: 700;\n    }\n    h1 {\n      font-size: 34px;\n      line-height: 1.2;\n      margin: 8px 0 12px;\n      font-weight: 700;\n    }\n    .lede { font-size: 19px; color: var(--muted); margin: 0 0 22px; }\n    .price-bar {\n      display: flex;\n      flex-wrap: wrap;\n      gap: 14px;\n      align-items: center;\n      background: var(--card);\n      border: 1px solid var(--line);\n      border-left: 6px solid var(--accent);\n      padding: 16px 18px;\n      margin: 0 0 28px;\n    }\n    .price { font-size: 32px; font-weight: 700; color: var(--accent); }\n    .price span { font-size: 14px; font-weight: 400; color: var(--muted); display: block; }\n    .btn {\n      display: inline-block;\n      background: var(--accent);\n      color: #fff;\n      text-decoration: none;\n      font-family: Arial, Helvetica, sans-serif;\n      font-size: 15px;\n      font-weight: 700;\n      letter-spacing: .03em;\n      padding: 12px 20px;\n      border-radius: 3px;\n    }\n    .btn:hover { filter: brightness(1.08); }\n    .btn-ghost {\n      background: transparent;\n      color: var(--accent);\n      border: 2px solid var(--accent);\n    }\n    h2 { font-size: 22px; margin: 36px 0 10px; }\n    h3 { font-size: 17px; margin: 20px 0 6px; }\n    ul, ol { padding-left: 1.15em; }\n    li { margin: 6px 0; }\n    .clock {\n      background: #f3e6df;\n      border: 1px solid #e0c4b6;\n      padding: 14px 16px;\n      margin: 18px 0;\n    }\n    .clock strong { color: var(--accent-2); }\n    .grid {\n      display: grid;\n      grid-template-columns: 1fr 1fr;\n      gap: 12px;\n      margin: 16px 0 8px;\n    }\n    @media (max-width: 640px) { .grid { grid-template-columns: 1fr; } h1 { font-size: 28px; } }\n    .card {\n      background: var(--card);\n      border: 1px solid var(--line);\n      padding: 14px 16px;\n    }\n    .card h3 { margin-top: 0; }\n    .statute {\n      font-family: Arial, Helvetica, sans-serif;\n      font-size: 12px;\n      color: var(--accent);\n      letter-spacing: .04em;\n      text-transform: uppercase;\n    }\n    .sample {\n      background: #fff;\n      border: 1px solid var(--line);\n      padding: 16px 18px;\n      font-size: 14px;\n      color: #333;\n      box-shadow: 0 8px 24px rgba(40,40,20,.06);\n    }\n    .sample .hdr { font-family: Arial, Helvetica, sans-serif; font-size: 11px; color: #888; margin-bottom: 8px; }\n    .fine { font-size: 14px; color: var(--muted); }\n    .not {\n      border-top: 1px solid var(--line);\n      margin-top: 40px;\n      padding-top: 16px;\n      font-size: 13px;\n      color: var(--muted);\n    }\n    .faq dt { font-weight: 700; margin-top: 14px; }\n    .faq dd { margin: 4px 0 0; color: var(--muted); }\n    footer { font-size: 12px; color: #7a7a70; margin-top: 36px; }\n  <\/style>\n\n\n  <div class=\"wrap\">\n    <div class=\"kicker\">Texas homeowners \u00b7 Property Code 209 \u00b7 FDCPA \u00b7 Finance Code 392<\/div>\n    <h1>They sent a lump sum. Make them itemize it \u2014 and stop reporting a debt you do not owe <em>them<\/em>.<\/h1>\n    <p class=\"lede\">The Texas HOA Collections, Dunning &amp; Credit Kit is fill-in letters for the bill, the collector, and the credit file. <strong>\u00a7 209.0063<\/strong> (what gets paid first), <strong>\u00a7 209.0064<\/strong> (45 days before collector fees), <strong>\u00a7 209.0065<\/strong> (do not report a pending dispute), FDCPA validation, overshadowing, and Texas Finance Code <strong>\u00a7 392.202<\/strong>. Instant PDF.<\/p>\n\n    <div class=\"price-bar\">\n      <div class=\"price\">$29 <span>instant PDF \u00b7 personal use \u00b7 one household<\/span><\/div>\n      <a class=\"btn\" href=\"https:\/\/payhip.com\/b\/RVguY\">Get the kit on Payhip<\/a>\n    <\/div>\n\n    <div class=\"clock\">\n      <strong>Two different files:<\/strong> you may owe the <em>association<\/em>. You usually do <em>not<\/em> have an account with the <em>management company<\/em>. If Experian shows their name as your creditor, that tradeline is the wrong account \u2014 even if a quarterly assessment number looks familiar. Inaccuracy is not only the dollar amount: status, lateness, dates, and \u201cwhose account\u201d all count.\n    <\/div>\n\n    <h2>What you get<\/h2>\n    <div class=\"grid\">\n      <div class=\"card\">\n        <div class=\"statute\">C1 \u00b7 C2<\/div>\n        <h3>Itemize \/ already paid<\/h3>\n        <p>Break assessments vs fines vs attorney vs collector. Dispute a payment they missed or the wrong lot.<\/p>\n      <\/div>\n      <div class=\"card\">\n        <div class=\"statute\">C3<\/div>\n        <h3>Payment plan<\/h3>\n        <p>\u00a7 209.0062 \u2014 generally at least three months. You can dispute fines and still plan the assessments.<\/p>\n      <\/div>\n      <div class=\"card\">\n        <div class=\"statute\">C4 \u00b7 C5<\/div>\n        <h3>Fees too early<\/h3>\n        <p>Collector fees without a certified 45-day notice. Attorney\u2019s fees before a hearing ends \u2014 and a demand for invoices.<\/p>\n      <\/div>\n      <div class=\"card\">\n        <div class=\"statute\">C6 \u00b7 C6b \u00b7 C6c<\/div>\n        <h3>The collector<\/h3>\n        <p>FDCPA validation. Overshadowing (\u201cpay in 10 days\u201d inside the 30-day window). Texas Finance Code 392: cease collection and investigate.<\/p>\n      <\/div>\n      <div class=\"card\">\n        <div class=\"statute\">C7 \u00b7 C7b<\/div>\n        <h3>Punch one<\/h3>\n        <p>C7 to the HOA (Texas: pending dispute, do not report). C7b to whoever is <em>on the credit report<\/em> \u2014 often the manager \u2014 FCRA direct dispute of every field.<\/p>\n      <\/div>\n      <div class=\"card\">\n        <div class=\"statute\">C8 \u00b7 C8b<\/div>\n        <h3>Punch two<\/h3>\n        <p>C8 to Equifax, Experian, TransUnion after the green cards. C8b if they keep reporting a false late, wrong status, or the manager as your creditor.<\/p>\n      <\/div>\n      <div class=\"card\">\n        <div class=\"statute\">C9 \u00b7 C10<\/div>\n        <h3>Calls and payoff<\/h3>\n        <p>Writing only \u2014 this does not stop a foreclosure. Payoff \/ refinance itemization with disputed lines listed separately.<\/p>\n      <\/div>\n      <div class=\"card\">\n        <div class=\"statute\">Guide<\/div>\n        <h3>Tradeline fields<\/h3>\n        <p>Not just the balance: late-that-wasn\u2019t-late, payment grid, date of first delinquency, \u201cowed to the manager.\u201d<\/p>\n      <\/div>\n    <\/div>\n\n    <p class=\"fine\">Certified-mail send list and fictional Fort Worth samples on each letter. First envelope for most people: <strong>C1<\/strong> (and your ledger from the Records kit if you do not have one).<\/p>\n\n    <h2>A look at the itemize letter<\/h2>\n    <div class=\"sample\">\n      <div class=\"hdr\">Excerpt \u00b7 C1 \u00b7 you fill the bracketed lines<\/div>\n      <p>I dispute that amount until it is itemized.<\/p>\n      <p>Please send a written breakdown \u2026 grouped as: (1) delinquent assessments, (2) current assessments, (3) late fees and interest, (4) fines, (5) attorney\u2019s fees, (6) third-party collection fees, (7) any other charge.<\/p>\n      <p>Until I have that itemization I dispute the lump-sum figure. Please do not report this account to a credit reporting service while this dispute is pending. \u00a7 209.0065(a).<\/p>\n    <\/div>\n\n    <h2>Who this is for<\/h2>\n    <ul>\n      <li>Texas <strong>single-family or townhome<\/strong> HOA (Chapter 209). Not a condominium.<\/li>\n      <li>You got a \u201cbalance due $____\u201d with no breakdown, a collector letter, or a tradeline in the <strong>management company\u2019s<\/strong> name.<\/li>\n      <li>You want paper: itemization, plan, validation, and a real dispute on <strong>every field<\/strong> they furnished \u2014 not a Facebook argument.<\/li>\n    <\/ul>\n\n    <h2>Who this is not for<\/h2>\n    <ul>\n      <li>Condo owners using Chapter 209 as if it applied.<\/li>\n      <li>Anyone with a <strong>foreclosure notice, sale date, or lawsuit<\/strong> \u2014 that is a lawyer, not a $29 PDF.<\/li>\n      <li>Anyone who wants a guaranteed bureau <strong>wipe<\/strong>. A false late should come off that field. A manager\u2019s \u201cyour account with us\u201d line can be a not-my-account dispute as to <em>them<\/em>. A lawful assessment, correctly reported, may stay.<\/li>\n    <\/ul>\n\n    <h2>How it works<\/h2>\n    <ol>\n      <li>Payhip checkout. Instant PDF.<\/li>\n      <li>Start with <strong>C1<\/strong>. Add C3 if you need time, C6\/C6b\/C6c if a collector wrote, C7+C7b if they report.<\/li>\n      <li>Email a PDF the same day; certified mail to the management certificate (HOA) and to the address on the collector\u2019s letter. Keep every green card \u2014 that is the one-two punch.<\/li>\n      <li>C8 to the bureaus only after those receipts are back. C8b only if the new report still shows the false field.<\/li>\n    <\/ol>\n\n    <h2 id=\"buy\">Get the kit<\/h2>\n    <div class=\"price-bar\">\n      <div class=\"price\">$29 <span>Payhip \u00b7 instant download \u00b7 one household<\/span><\/div>\n      <a class=\"btn\" href=\"https:\/\/payhip.com\/b\/RVguY\">Buy the PDF \u2014 instant download<\/a>\n    <\/div>\n\n    <h2>Questions<\/h2>\n    <dl class=\"faq\">\n      <dt>Is this legal advice?<\/dt>\n      <dd>No. Templates and statutes. Not a law firm and not a credit-repair company.<\/dd>\n      <dt>The management company is on my credit report. Is that \u201cnot my account\u201d?<\/dt>\n      <dd>You do not have a consumer account <em>with the manager<\/em>. Assessments, if owed, are owed to the <em>association<\/em>. That tradeline can be disputed as the wrong creditor. That is not the same as \u201cI don\u2019t owe the HOA.\u201d Letter C7b has that box.<\/dd>\n      <dt>They reported a late that was not late, but the dues amount is right.<\/dt>\n      <dd>That is still an inaccurate item \u2014 status, lateness, dates, history. Dispute those fields. Correction of the late mark is the usual result, not automatic deletion of the whole HOA account.<\/dd>\n      <dt>What is overshadowing?<\/dt>\n      <dd>A collector\u2019s 30-day validation notice plus \u201cpay in 10 days or we report you\u201d on the same page. C6b. FDCPA \u00a7 1692g(b).<\/dd>\n    <\/dl>\n\n    <div class=\"not\">\n      <strong>Disclaimer.<\/strong> Personal, educational use only. Not legal advice, not credit-repair, not a guarantee of deletion or of any bureau or board outcome. Chapter 209 applies to most Texas residential subdivisions with mandatory assessments, not to condominiums. Confirm current Texas Property Code, Finance Code Chapter 392, and the FDCPA, and your dedicatory instruments, before you rely on a letter. If you are served with a lawsuit or a foreclosure packet, stop and consult a licensed Texas attorney.\n    <\/div>\n\n    <footer>\n      Texas homeowner resources \u00b7 Collections, Dunning &amp; Credit Kit \u00b7 \n    <\/footer>\n  <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Texas HOA Collections, Dunning &amp; Credit Kit | Chapter 209 \u00b7 FDCPA \u00b7 Finance Code 392 Texas homeowners \u00b7 Property Code 209 \u00b7 FDCPA \u00b7 Finance Code 392 They sent a lump sum. Make them itemize it \u2014 and stop reporting a debt you do not owe them. The Texas HOA Collections, Dunning &amp; Credit &#8230; <a title=\"HOA-C\" class=\"read-more\" href=\"https:\/\/fightmytxhoa.com\/home\/hoa-c\/\" aria-label=\"Read more about HOA-C\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"class_list":["post-122","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/fightmytxhoa.com\/home\/wp-json\/wp\/v2\/pages\/122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fightmytxhoa.com\/home\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fightmytxhoa.com\/home\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fightmytxhoa.com\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fightmytxhoa.com\/home\/wp-json\/wp\/v2\/comments?post=122"}],"version-history":[{"count":4,"href":"https:\/\/fightmytxhoa.com\/home\/wp-json\/wp\/v2\/pages\/122\/revisions"}],"predecessor-version":[{"id":136,"href":"https:\/\/fightmytxhoa.com\/home\/wp-json\/wp\/v2\/pages\/122\/revisions\/136"}],"wp:attachment":[{"href":"https:\/\/fightmytxhoa.com\/home\/wp-json\/wp\/v2\/media?parent=122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}