I just received a certified letter from a law firm about my HOA dues. Been a year since I paid my mortgage last and I still haven't even gotten a default letter.
I wrote a letter to my HOA in December 09 telling them about my situation and requesting that I be allowed to pay 50 dollars a month to them (the dues were like 265) until I was able to settle the account. They ignored this letter and in January of 2010, the association changed to a new association. I sent emails to the old company asking about the status of my account and she said it everything was being handled by the new company.
I have been making small payments to them every month. But apparently they don't like that too much! lol.
Letter basically says I owe them 800 dollars + 225 in legal fees. Says they will put a lein on my property and the whole collections on my credit report thing...
Says I can dispute the validity of the debt within 30 days...but like... I know its my debt! I just can't afford it. I was very annoyed they ignored my letters and requests for payments ...
So, how do I proceed? Any advice? Do I let them put a lien on the property and just deal with the nasty collection that will go on my credit report? Do I ask them to continue to let me make payments until the stupid bank gets their shit together?
Is there any way I check the status of my foreclosure? Or try to get them to speed it up?
I wrote a letter to my HOA in December 09 telling them about my situation and requesting that I be allowed to pay 50 dollars a month to them (the dues were like 265) until I was able to settle the account. They ignored this letter and in January of 2010, the association changed to a new association. I sent emails to the old company asking about the status of my account and she said it everything was being handled by the new company.
I have been making small payments to them every month. But apparently they don't like that too much! lol.
Letter basically says I owe them 800 dollars + 225 in legal fees. Says they will put a lein on my property and the whole collections on my credit report thing...
Says I can dispute the validity of the debt within 30 days...but like... I know its my debt! I just can't afford it. I was very annoyed they ignored my letters and requests for payments ...
So, how do I proceed? Any advice? Do I let them put a lien on the property and just deal with the nasty collection that will go on my credit report? Do I ask them to continue to let me make payments until the stupid bank gets their shit together?
Is there any way I check the status of my foreclosure? Or try to get them to speed it up?
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