FDCPA and HOA Debt Collection — Your Rights Against Abusive Collectors
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.
SCRA Protection — HOA Foreclosure While on Military Deployment
The Servicemembers Civil Relief Act requires court approval before any foreclosure, lien enforcement, or similar action against a servicemember on active duty. An HOA that forecloses without obtaining court approval violates the SCRA and can be held liable for damages.