uh oh – they cannot come a’ knock’in over and over, it’s harassment and a violation of the Federal Trade Commission Fair Debt Collection Practices Act.

THE RULES: Fair Debt Collection Practices Act,  www.consumer.ftc.gov/articles/0149-debt-collection.

TIP: don’t forget, when you purchased your home in the HOA you agreed to pay your annual assessment when signing your settlement papers. For example, if you disagree with how your HOA may or may not be handling the business of the association, it does not justify withholding all or a portion of your required annual assessment.