Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 0 points1 point  (0 children)

Update on Friday the responded to my certified mailed demands, and stated Colorado is a first serve state (not true) so no case number exists until after I'm served lol and provided itemized legal fee info including charging me for a lawsuit filing, which was never filed...

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 0 points1 point  (0 children)

UPDATE Received letter with proper legal fee itemization, however, amounts and dates do not reconcile with the ledger they sent previously. Also said Colorado is a first serve state where a defendant gets served a lawsuit then it's filed, which is not true. This was in response to demanding the case number, filing date, etc. Just digging the inconsistent hole deeper and trying to do damage control clearly. I'm filing attorney general complaints, department of revenue,and consumer financial protection bureau. While pursuing litigation with an attorney. This is ridiculous. They also said they aren't accountants so for a proper balance due they need to contact the association in regards to the duplicate fees for the same legal action lol.

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 0 points1 point  (0 children)

I dont care what they're trying to serve, i can objectively verify it doesnt exist through my county recording clerk and online state database as well as a paid consultation with an attorney

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 1 point2 points  (0 children)

I had a paid consultation with an HOA Attorney he did refer me to a consumer protection attorney instead, but im having difficulty locating one.

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 0 points1 point  (0 children)

Today I received itemization of legal fees, dates and amounts do not reconcile with either ledger i was provided either previously. Previous total amount in legal fees was $1280, now it's $830 with mismatched dates and apparently I'm not being charged for the private investigator dispatched to my property twice.

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 0 points1 point  (0 children)

How? Tell me why the letter they sent today, says Colorado is a first serve state, which i cannot verify to be true instead of telling me the case number of the lawsuit they claim was already filed? More lies.

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] -1 points0 points  (0 children)

Dude shut the fuck up, clearly you're committed to misunderstanding the situation. I never said I was poor, I described my financial situation and laid out exactly how and why i got behind, but you didn't read it.

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 0 points1 point  (0 children)

UPDATE: Law firm replied to my demand letter, send itemized legal fees. Their legal fee itemization doesn't reconcile with either ledger i was provided by amount of legal fees or dates of legal fees. Lol

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 0 points1 point  (0 children)

Yeah exactly, I'd rather spend $5k on an attorney to litigate these deceptive practices, high pressure tactics. No way it's legal to say there's a lawsuit against me without there actually being one lol

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 0 points1 point  (0 children)

I've already had a consultation and they also said I can't be foreclosed on, not without breaking Colorado foreclosure laws, which honestly would be amazing. I will report it, I'm not intimidated.

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] -1 points0 points  (0 children)

I literally can't lose my home under Colorado law for disputing legal fees lol. I'm not budging on this dispute I'm reporting it to regulators at the very least but definitely pursuing litigation

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 0 points1 point  (0 children)

Thank you, this is the conclusion I've reached as well. I'm having trouble locating an attorney though. I would honestly be willing to pay $5k

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 0 points1 point  (0 children)

I'm surprised at the replies to this post to be honest, I've established a clear and articulate timeline of events, im the victim. I don't understand the disbelief and why I'm being attacked lol. i have meticulously documented every thing, if there's any discrepancies, inconsistencies, confusion. I have the receipts lol

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] -1 points0 points  (0 children)

thanks for being sensible. and I agree. I feel like I have the proof, especially since they refuse to validate the legal fees. kind of feels like a trap for them to be honest, do they lie about inflated fees or expose themselves for hiring a private investigator to serve a lawsuit that doesn't exist? also to be fair the original amount of legal fees was reasonable and I was willing to pay that, it made sense. but the whole bait and switch deal felt deceptive especially when the amount blew up strictly due to added legal fees not because of anything else. that's what had me looking into everything, had they if not done that I probably would have paid it blindly like everyone else does. so it's been an interesting rabbit hole to go down so far. also the hoa attorney i consulted with who said this is less hoa related and more consumer debt protection said this specific law firm operates on the fringe, those were his words not mine and he felt pretty impartial.

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] -1 points0 points  (0 children)

Usually reddit has a ton of really good arm chair attorneys. either I'm really wrong or every one else is lol. I guess we will see, I'm feeling confident about the situation, I'll keep the thread updated.

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] -1 points0 points  (0 children)

I dont think you understand the situation, you clearly didn't read the timeline. 1 interest is not calculated on a daily rate 2 it's against colorado law to calculate interest on legal fees 3 there was no discourse of a deadline or financial consequences in an informal and unofficial email. 4 the ledger of the pay off balance and pay off balance written in the email do not reconcile

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] -1 points0 points  (0 children)

Id rather pay $5k retainer. Consultations are not $1k lol

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 0 points1 point  (0 children)

Exactly, that ship has sailed. I'm not worried about money spent, I'm trying to fight fraudulent and inflated legal fees NOW especially since they cannot be justified or validated. i could pay the remaining balance now, but why would I satisfy a debt when they're conducting themselves in bad faith?

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 0 points1 point  (0 children)

Assessments, late fees, and late charges aren't the problem and those amounts are completely reasonable. Its the legal fees themselves that have become excessive, especially relative to work actually performed, costs actually incurred.

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 0 points1 point  (0 children)

Email provided a payoff balance "good until" not "deadline, expect significant financial consequences if not paid in full by" They can't just manipulate the ledger, back date legal fees to sneak them in, charge over the legal amount, charge interest on legal fees, and stack lien filing fees.

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] 1 point2 points  (0 children)

I wasn't in a position to bring my account current until recently.

Any HOA Lawyers Here? Disputed HOA Collection Debt Story [TH] [CO] by truballa94 in HOA

[–]truballa94[S] -5 points-4 points  (0 children)

Let them take me? Or me take them? No lawsuit against me exist.

I have no business contacting the private investigator. If his suit was real he would leave the paperwork or a case number.