Learn how our 90-day pre-legal resolution process helps HOAs collect past-due assessments while preserving community relationships.
A structured, respectful approach to resolving delinquent accounts before legal escalation becomes necessary.
Our 90-day pre-legal resolution program is designed to maximize recoveries while minimizing conflict and cost.
Your association or management company submits delinquent accounts to HOA 48 through our secure portal. We accept accounts at any stage of delinquency.
We work the account through a structured communication cadence designed to encourage resolution without hostility or legal threats.
Our goal is to resolve most accounts within 90 days. Those that don't are returned with complete documentation ready for your attorney.
Here's exactly what happens during each phase of the 90-day program.
The first 30 days are dedicated to ensuring compliance and establishing clear, respectful communication with the homeowner.
We verify the debt, confirm the owner's information, and ensure all required disclosures are in order.
A plain-language letter is sent explaining the situation clearly—no legal jargon, no threats. Just facts and options.
Every communication includes a secure link where owners can pay online or set up a payment plan instantly.
All communications are logged and documented to ensure regulatory compliance and build the audit trail.
The heart of our program: a measured, multi-channel communication approach that respects the homeowner while firmly pursuing resolution.
Detailed communications with account status, payment options, and plan enrollment information.
Personal outreach to understand situations and work out solutions. Empathy first, not aggression.
Standardized plans available for owners who can't pay in full. Flexible terms that work for their situation.
Our goal is to resolve most accounts by Day 90. For those that haven't, we provide everything your attorney needs to proceed efficiently.
Paid in full or on an active payment plan. These accounts are monitored until the balance is cleared.
Unresolved accounts return to the Board with a complete audit history—every contact attempt documented and courtroom-ready.
The association decides whether to escalate to legal action. You retain full control over that decision.
If escalation is chosen, our documentation package gives your attorney a head start on any legal proceedings.
Throughout the program, you have full visibility and receive comprehensive documentation.
Stay informed on every account's status. Know who's paid, who's on a plan, and who's in dispute throughout the program.
Comprehensive reports showing program performance, resolution rates, and financial recoveries across your portfolio.
For unresolved accounts: a complete, courtroom-ready record of every communication attempt and owner response.
Full visibility into payment plan adherence, including automatic alerts if an owner falls behind on their plan.
Documentation proving adherence to all applicable debt collection regulations and disclosure requirements.
Direct access to our team for questions, account-specific issues, or program adjustments.
Get answers to the most common questions about our 90-day program.
See how our 90-day program can improve your collection outcomes while protecting your community relationships.