Identify the account and the association
An association balance can become difficult to understand when assessments, interest, late charges, legal fees and costs appear together. Start by identifying whether the property is governed by a condominium association or a homeowners' association, and obtain the documents explaining the amount claimed. The governing documents and applicable statutes are important to the review.
Review the ledger and notices
Ask which assessments remain unpaid, how payments were applied, and what supports additional charges. Preserve assessment notices, account statements, correspondence and any recorded claim of lien or lawsuit. Florida law provides collection procedures for association assessments, including lien and foreclosure remedies in applicable circumstances. A disputed charge is not by itself a finding that the association's entire claim is invalid.
Consider the full picture
A discussion may include correcting an account issue, evaluating a disputed charge, negotiating an arrangement or responding to litigation. An association debt should not be assumed to disappear simply because you are addressing the mortgage. Likewise, this page does not determine lien priority, the consequences of a foreclosure sale or whether a bankruptcy would resolve a particular obligation.
Prepare before you call
Bring the declaration and relevant amendments if available, recent ledgers, payment proof, notices, the claim of lien and complete court papers. Explain whether there is also a mortgage delinquency, proposed sale or bankruptcy case. Ask the office to review the current stage and any dates appearing in the actual documents. No payment arrangement or litigation result is guaranteed.
Related questions
Mortgage foreclosure concerns and litigation options. Browse the complete problem guide for other concerns.