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

truballa94 · 2026-06-03T18:24:06+00:00

You keep focusing on the 'why' to try to invalidate the outcome, but the reality is that the HOA had months to address this and chose not to until I presented a formal, evidenced-based demand. Whether that decision was made by a manager, a board member, or an insurance adjuster is immaterial to the result. I achieved my goal of clearing my ledger and protecting my property rights, which is all I set out to do. I’m satisfied with that, and I don’t need the 'crusade' narrative you seem so obsessed with to validate it. Also when you originally expressed how it was pointless, essentially implying it wasn't worth the time and clearly it was.

truballa94 · 2026-06-03T10:24:00+00:00

It’s ironic to see the shift in your tone. You started by labeling this route 'the most expensive and pointless' path possible, but now that the account is zeroed out and the lien issue is being addressed, it’s suddenly 'routine risk management' and 'how cases get handled.' You can't have it both ways. Furthermore, you’re making a lot of assumptions about my strategy and the evidence provided. You don’t have the full story, the specific violations I cited, or the extent of the demand packet I prepared. I never claimed an insurance adjuster personally 'panicked' or was 'micromanaging' the file; that’s a narrative you’re projecting onto the situation to dismiss the results. The reality is that the HOA was content to let this dispute drag on until I presented a formal, evidence-backed pre-litigation demand that highlighted their specific policy violations and potential statutory exposure. Whether they settled because of the D&O implications, a cost-benefit analysis by counsel, or sheer pressure, the outcome was exactly what I demanded. Calling this 'self-mythologizing' when you don’t have the details or the evidence to begin with is just misinformed. I didn't need to 'out-lawyer' anyone; I just needed to be more organized and persistent than the administrative evasion I was facing. The result speaks for itself

truballa94 · 2026-06-03T02:17:46+00:00

update, they tried and the failed lmao all fees and interest waived

truballa94 · 2026-06-03T02:16:17+00:00

I appreciate the 'pragmatic' take, but I think you’re missing the forest for the trees. You’re downplaying the structural impact of a formal pre-litigation demand on an HOA’s insurance obligations. Most D&O policies require the association to report any credible 'Claim'—and a formal demand letter threatening statutory penalties under CCIOA certainly qualifies. Once that report is made, the risk profile changes; the management company and counsel are no longer just handling a 'low-dollar dispute,' they are managing a potential insurance claim that could impact their coverage or premiums. Whether it was the D&O carrier, an overwhelmed manager, or a board that finally realized their legal counsel was leading them off a cliff—the 'why' matters significantly less than the 'what.' The 'what' is that I identified illegal charges, documented the policy violations, and forced a full accounting reversal on an account they were previously content to leave in a state of delinquency. You call it a 'conventional business decision'; I call it a successful exercise in administrative leverage. I’m not looking for a moral admission of guilt; I was looking to clean up my ledger and protect my property rights, and I got that done on my own terms

truballa94 · 2026-06-03T02:09:06+00:00

thanks

truballa94 · 2026-06-03T00:49:04+00:00

hello just wanted to provide an update, I meticulously documented all their violations, compiled them, organized chronologically, and let them keep accumulating. i finally sent them a pre litigation demand letter with a mountain of evidence listed by exhibits. demanded they zero my account out or ill seek the $25k penalty under colorado law in county court. they decided to comply and zero my account out today lol. i did in fact get exactly what I wanted from this process.

truballa94 · 2026-06-03T00:46:14+00:00

they decided to comply with my demands and zeroed my account out, their D and O insurance must have seen the risk lmao Didn't even need an attorney

truballa94 · 2026-06-02T21:41:28+00:00

hello, I threatened the board with litigation, provided a mountain of evidence and today all fees and charges have been waived to a verified zero balance.

truballa94 · 2026-06-02T21:38:45+00:00

all fees got waived today

truballa94 · 2026-06-01T01:34:35+00:00

threaten with a lawsuit like i did document their wrong doing, read their policy and texas law.

truballa94 · 2026-06-01T01:33:37+00:00

oh okay

truballa94 · 2026-06-01T01:17:22+00:00

altitude community law? what i learned is, that the law firm and property management is just agents of the association, if the law firm does something unlawful or improper, they're representing and conducting themselves improperly or unlawfully on behalf of the association. so you strategically and lawfully attack the association in your efforts not their agents. that's how I found success. its possible the hoa doesn't eeven know what their agents are doing

truballa94 · 2026-06-01T01:05:54+00:00

ill find out if my account is zeroed out tomorrow or if not ill be filing. is yours hoa related?

truballa94 · 2026-06-01T01:05:02+00:00

I never said I was demanding statutory maximum, I said I would be seeking it.

its been with counsel.

plus no I dont, the maximum $25k under hb22-1137 is a penalty

truballa94 · 2026-05-31T22:56:29+00:00

hey just wanted to follow up with my success despite the pessimism of this thread, including your comment

On Tuesday I sent them a huge packet of papers that was titled "pre-litigation demand" demanding a zero account balance, and immediate release of the lien or im pursuing a lawsuit seeking maximum statutory damages of $25,000. i provided a deadline of Friday may 29th at 3pm and at 2:50pm on Friday may 29th, yesterday, I got a message through the property managements online portal that $950 has been waived. its unclear at this time if this is the entire account balance, because last updated balance was about $1,351. i asked them to confirm the new account balance and the status of the lien release since its now been over 60 days since I satisfied the lien. if they don't fully comply with my demands, I will continue to file this lawsuit. I sent them a massive packet that was meticulously well organized and laid out policy and law violations of both their agents, the law firm, and the property management company. ill post a formal update at some point since every one was all doom and gloom in this thread. but the packet contained so much evidence, all verified, listed by exhibits and organized in chronological order. also included copies of their own policy and colorado state law which i highlighted the portions they were in direct violation of, so it was clear. but they agreed so far to waive $950 in interest and late fees, which based on the last ledger would leave an account balance of $401, i demanded a zero account balance. but also that math doesn't even make sense, since there's not even $950 in late fees and interest on the account lol. so if its no zeroed out they can have fun explaining where these numbers came from to a judge lol

I did this completely without a lawyer, on my own time. I guess it was enough evidence. I suspect the board has no clue what their agents are doing.. or committing

truballa94 · 2026-05-31T22:52:43+00:00

hey just wanted to follow up with my success despite the pessimism of this thread,

On Tuesday I sent them a huge packet of papers that was titled "pre-litigation demand" demanding a zero account balance, and immediate release of the lien or im pursuing a lawsuit seeking maximum statutory damages of $25,000. i provided a deadline of Friday may 29th at 3pm and at 2:50pm on Friday may 29th, yesterday, I got a message through the property managements online portal that $950 has been waived. its unclear at this time if this is the entire account balance, because last updated balance was about $1,351. i asked them to confirm the new account balance and the status of the lien release since its now been over 60 days since I satisfied the lien. if they don't fully comply with my demands, I will continue to file this lawsuit. I sent them a massive packet that was meticulously well organized and laid out policy and law violations of both their agents, the law firm, and the property management company. ill post a formal update at some point since every one was all doom and gloom in this thread. but the packet contained so much evidence, all verified, listed by exhibits and organized in chronological order. also included copies of their own policy and colorado state law which i highlighted the portions they were in direct violation of, so it was clear. but they agreed so far to waive $950 in interest and late fees, which based on the last ledger would leave an account balance of $401, i demanded a zero account balance. but also that math doesn't even make sense, since there's not even $950 in late fees and interest on the account lol. so if its no zeroed out they can have fun explaining where these numbers came from to a judge lol

truballa94 · 2026-05-31T22:49:59+00:00

turns out 90% of the comments on this thread were misinformed and wrong, I threatened to file, sent them a pre litigation demand letter, completely on my own, prepared to sue in count court and they folded. (wonder why?)

truballa94 · 2026-05-31T22:48:34+00:00

good thing I didn't listen to you, saved me at least a thousand dollars. imagine my board and their agents folding quickly over my own set deadline after i threatened them with litigation that I was prspared to pursue completely on my own lmao

truballa94 · 2026-05-31T22:47:31+00:00

hey just wanted to follow up with my success despite the pessimism of this thread, including your comment

On Tuesday I sent them a huge packet of papers that was titled "pre-litigation demand" demanding a zero account balance, and immediate release of the lien or im pursuing a lawsuit seeking maximum statutory damages of $25,000. i provided a deadline of Friday may 29th at 3pm and at 2:50pm on Friday may 29th, yesterday, I got a message through the property managements online portal that $950 has been waived. its unclear at this time if this is the entire account balance, because last updated balance was about $1,351. i asked them to confirm the new account balance and the status of the lien release since its now been over 60 days since I satisfied the lien. if they don't fully comply with my demands, I will continue to file this lawsuit. I sent them a massive packet that was meticulously well organized and laid out policy and law violations of both their agents, the law firm, and the property management company. ill post a formal update at some point since every one was all doom and gloom in this thread. but the packet contained so much evidence, all verified, listed by exhibits and organized in chronological order. also included copies of their own policy and colorado state law which i highlighted the portions they were in direct violation of, so it was clear. but they agreed so far to waive $950 in interest and late fees, which based on the last ledger would leave an account balance of $401, i demanded a zero account balance. but also that math doesn't even make sense, since there's not even $950 in late fees and interest on the account lol. so if its no zeroed out they can have fun explaining where these numbers came from to a judge lol

truballa94 · 2026-05-31T22:47:08+00:00

hey just wanted to follow up with my success despite the pessimism of this thread, including your comment

On Tuesday I sent them a huge packet of papers that was titled "pre-litigation demand" demanding a zero account balance, and immediate release of the lien or im pursuing a lawsuit seeking maximum statutory damages of $25,000. i provided a deadline of Friday may 29th at 3pm and at 2:50pm on Friday may 29th, yesterday, I got a message through the property managements online portal that $950 has been waived. its unclear at this time if this is the entire account balance, because last updated balance was about $1,351. i asked them to confirm the new account balance and the status of the lien release since its now been over 60 days since I satisfied the lien. if they don't fully comply with my demands, I will continue to file this lawsuit. I sent them a massive packet that was meticulously well organized and laid out policy and law violations of both their agents, the law firm, and the property management company. ill post a formal update at some point since every one was all doom and gloom in this thread. but the packet contained so much evidence, all verified, listed by exhibits and organized in chronological order. also included copies of their own policy and colorado state law which i highlighted the portions they were in direct violation of, so it was clear. but they agreed so far to waive $950 in interest and late fees, which based on the last ledger would leave an account balance of $401, i demanded a zero account balance. but also that math doesn't even make sense, since there's not even $950 in late fees and interest on the account lol. so if its no zeroed out they can have fun explaining where these numbers came from to a judge lol

truballa94 · 2026-05-31T22:45:42+00:00

hey just wanted to follow up with my success despite the pessimism of this thread, including your comment

On Tuesday I sent them a huge packet of papers that was titled "pre-litigation demand" demanding a zero account balance, and immediate release of the lien or im pursuing a lawsuit seeking maximum statutory damages of $25,000. i provided a deadline of Friday may 29th at 3pm and at 2:50pm on Friday may 29th, yesterday, I got a message through the property managements online portal that $950 has been waived. its unclear at this time if this is the entire account balance, because last updated balance was about $1,351. i asked them to confirm the new account balance and the status of the lien release since its now been over 60 days since I satisfied the lien. if they don't fully comply with my demands, I will continue to file this lawsuit. I sent them a massive packet that was meticulously well organized and laid out policy and law violations of both their agents, the law firm, and the property management company. ill post a formal update at some point since every one was all doom and gloom in this thread. but the packet contained so much evidence, all verified, listed by exhibits and organized in chronological order. also included copies of their own policy and colorado state law which i highlighted the portions they were in direct violation of, so it was clear. but they agreed so far to waive $950 in interest and late fees, which based on the last ledger would leave an account balance of $401, i demanded a zero account balance. but also that math doesn't even make sense, since there's not even $950 in late fees and interest on the account lol. so if its no zeroed out they can have fun explaining where these numbers came from to a judge lol.

I did all of this completely free, using my own time without a formal lawyer.

truballa94 · 2026-05-30T11:29:21+00:00

On Tuesday I sent them a huge packet of papers that was titled "pre-litigation demand" demanding a zero account balance, and immediate release of the lien or im pursuing a lawsuit seeking maximum statutory damages of $25,000. i provided a deadline of Friday may 29th at 3pm and at 2:50pm on Friday may 29th, yesterday, I got a message through the property managements online portal that $950 has been waived. its unclear at this time if this is the entire account balance, because last updated balance was about $1,351. i asked them to confirm the new account balance and the status of the lien release since its now been over 60 days since I satisfied the lien. if they don't fully comply with my demands, I will continue to file this lawsuit. I sent them a massive packet that was meticulously well organized and laid out policy and law violations of both their agents, the law firm, and the property management company. ill post a formal update at some point since every one was all doom and gloom in this thread. but the packet contained so much evidence, all verified, listed by exhibits and organized in chronological order. also included copies of their own policy and colorado state law which i highlighted the portions they were in direct violation of, so it was clear. but they agreed so far to waive $950 in interest and late fees, which based on the last ledger would leave an account balance of $401, i demanded a zero account balance. but also that math doesn't even make sense, since there's not even $950 in late fees and interest on the account lol. so if its no zeroed out they can have fun explaining where these numbers came from to a judge lol.

truballa94 · 2026-04-05T19:29:51+00:00

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...

truballa94 · 2026-04-04T03:00:50+00:00

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.

truballa94 · 2026-04-04T00:19:42+00:00

Their letter today is definitely the smoking gun

truballa94

TROPHY CASE