Protecting associations, supporting managers, and giving owners better ways to get current without immediate legal threats.
Our goal: resolve most past-due accounts before legal fees or foreclosure steps appear.
Resolution Goal
Day Program
Cost to Association
Traditional collection methods damage relationships and drain resources. There's a better way.
A structured, respectful approach that gets results while maintaining community harmony.
We ensure compliance and send a plain-language letter with a secure payment link. No legal jargon, no threats—just clear communication.
A measured mix of emails and calls. Owners can pay in full or enter a standardized payment plan that works for their situation.
If unpaid by Day 90, the file returns to the Board with a full audit history ("Exhibit A") for the attorney—a courtroom-ready record of every contact attempt.
Our model protects your budget while providing professional debt resolution services.
The delinquent owner pays the flat program charges (up to $450)
Your association pays nothing to participate in the HOA 48 program.
Program fees are added to the delinquent owner's balance, not the association's.
If a file goes to an attorney, there's a grace period on invoicing so the attorney can recover costs first.
Full visibility into all charges and payments throughout the resolution process.
Our goal is simple: resolve over 70% of delinquent accounts before they ever need to see an attorney. We protect your community, your budget, and your relationships.
Partner with HOA 48 and experience a better way to resolve delinquent accounts—one that protects your community and your bottom line.