A new approach to HOA debt resolution that protects communities while collecting what's owed.
HOA 48 was founded on a simple belief: collecting past-due assessments shouldn't mean destroying the fabric of a community. Traditional collection methods—immediate attorney involvement, foreclosure threats, aggressive tactics—may eventually recover money, but at what cost?
We created a better way. Our 90-day pre-legal resolution program gives homeowners a respectful path to get current while protecting associations from the expense and uncertainty of legal action.
We're not a collection agency. We're not attorneys. We're a technology-driven partner that bridges the gap between past-due notices and legal escalation—with a goal of resolving 70%+ of accounts before they ever need to go further.
We understand the unique challenges you face in managing community finances.
Our approach is built on core principles that guide every interaction.
Every homeowner is treated with dignity. We communicate clearly, professionally, and without threats. People respond better when they're treated as neighbors, not adversaries.
No black boxes. You'll know exactly where every account stands. Boards and managers have complete visibility into the resolution process at all times.
Modern problems require modern solutions. Our platform automates outreach, tracks responses, and generates courtroom-ready documentation automatically.
We don't sue or foreclose—that power stays with your association's attorney. We provide the process and documentation; you retain full control over escalation decisions.
The traditional approach treats debt collection as an adversarial process. We believe it should be a resolution process—one where everyone benefits from a positive outcome.
Understanding our role helps you understand how we fit into your debt resolution strategy.
See how HOA 48 can transform your approach to delinquent account resolution.