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FDCPA and HOA Debt Collection — Your Rights Against Abusive Collectors

15 U.S.C. § 1692 · Federal Court

Situation — How This Comes Up

A debt collection agency hired by my HOA is harassing me with threatening calls and letters.

What You Need to Know First

When an HOA hires a third-party debt collector to collect assessments, the Fair Debt Collection Practices Act applies. Abusive, deceptive, or unfair collection tactics by that collector are federal violations — with statutory damages and attorney’s fees available.

Full Analysis

The Fair Debt Collection Practices Act applies to third-party debt collectors hired by HOAs to collect assessment debts. Prohibited conduct includes harassment, false representations, and threatening actions the collector cannot legally take. Statutory damages of $1,000 per violation are available.

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