FINANCIAL MODEL

48 Flat Charges & Who Pays

Boards want a straight answer on money and who pays. With HOA 48, charges are clear and borne by the delinquent owner—not the paying membership.

THE MODEL

No Cost to the Association

Your association pays nothing. All program charges are the responsibility of the delinquent owner.

Program Charges

(per account, over 90 days)

Flat HOA 48 program charges added to the delinquent owner's balance—not billed to your association.

Payment-Plan Charges

(only if an owner elects a plan)

Clearly disclosed payment plan charges the owner agrees are reasonable and will be paid as part of their payment plan.

Management Company Administrative Fee

 

Includes a management fee for constant account collaboration.

We do not bill our flat program charges and costs up front—so the Association pays us nothing until the owner resolves the account. And if the file must go to the Association's attorney, we still give you a generous grace period before our invoice is due, giving your attorney time to recover our charges and costs directly from the owner and keeping the Association's out-of-pocket risk to a minimum.

HOW IT WORKS

The Owner Pays, Not the Association

Our unique model shifts all program costs to the delinquent owner.

Owner-Paid Program Charges

All program charges are added to the delinquent owner's balance. These fees cover:

  • Account validation and compliance verification
  • Multi-channel communication outreach
  • Payment plan administration
  • Documentation and audit trail generation
  • Regular status updates for the association
  • Exhibit A preparation for unresolved accounts

When the owner pays, the fees are included in their payment. Your association receives 100% of the assessments owed.

Sample Account Flow
Past Due Assessments Owed to HOA
Late Fees (per CC&Rs) Owed to HOA
HOA 48 Program Fees Owner Pays
Association Cost $0
ATTORNEY TRANSITION

Grace Period for Legal Escalation

When accounts require legal action, our model protects both you and your attorney.

⏱ The Grace Period

  • If an account goes to your attorney, there is a generous grace period before our invoice is due
  • This gives your attorney time to recover our charges and costs directly from the owner
  • Keeps the Association's out-of-pocket risk to a minimum
  • The goal is seamless transition with no financial burden on the association
  • Our Exhibit A documentation package helps your attorney work more efficiently
  • Complete audit trail reduces attorney time needed to build the case

📄 What Your Attorney Receives

  • Exhibit A Package: Complete contact history and documentation
  • Every letter, email, and call made to the owner
  • Phone call logs with dates, times, and outcomes
  • Owner responses and any dispute documentation
  • Payment history and plan information (if applicable)
  • Compliance certifications and disclosure records
COMPARISON

HOA 48 vs. Traditional Collection

See how our model compares to traditional attorney-first collections.

⚠ Traditional Attorney Collections

  • Retainer fees required upfront
  • Hourly rates billed to association
  • Per-letter fees for each communication
  • Lien filing costs per property
  • Foreclosure proceedings can be extremely costly
  • Timeline: Months to years for resolution
  • Association pays: Most or all legal fees upfront

★ HOA 48 Pre-Legal Resolution

  • Setup fees: $0 to association
  • Monthly fees: $0 to association
  • Per-account fees: $0 to association
  • Program charges: Paid by delinquent owner
  • Resolution goal: 70%+ within 90 days
  • Timeline: 90 days maximum
  • Association pays: Nothing
70%+
Our target: for every 10 accounts submitted, 7+ resolved without any attorney involvement—potentially saving thousands in legal fees while recovering 100% of the assessments owed.

The HOA 48 Value Proposition

PRICING QUESTIONS

Frequently Asked Questions

Common questions about our pricing model and financial terms.

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What if the owner never pays?

If the account doesn't resolve during the 90-day program, the owner's balance (including program fees) transfers to whatever collection or legal action the Board pursues. The association is never responsible for program charges.

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How are payments distributed?

When an owner pays, funds are distributed according to the account ledger. Your association receives 100% of the assessments and late fees owed. Program charges are retained by HOA 48.

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What about payment plans?

Owners on payment plans make regular installments that cover their total balance, including program fees. Your association receives assessment payments as they're collected.

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How do I get specific pricing details?

Contact our team to discuss your association's specific needs and receive detailed pricing information tailored to your situation.

Ready to Learn More?

Contact us for detailed pricing information and see how HOA 48 can work for your association.

Get Pricing Details See How It Works