HOA Collection Letter Template — Past Due Assessment & Dues Notice

--- STAGE 1: FRIENDLY REMINDER ---
Subject: Friendly Reminder — Assessment Due for [Property Address]

Dear [Homeowner Name],

Just a quick reminder that your [quarterly/annual] assessment of $[Amount] was due on [Due Date] and does not yet show a payment on file.

If you've recently sent a payment, thank you — please disregard this notice. If not, you can pay by [payment methods].

If you have any questions or need to discuss payment options, please contact us at [Contact Information].

Thank you,
[HOA Name]

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--- STAGE 2: DELINQUENCY NOTICE ---
Subject: Delinquency Notice — Past Due Assessment at [Property Address]

Date: [Date]

Dear [Homeowner Name],

Our records show that your assessment account for [Property Address] is currently past due:

- Assessment due: $[Amount]
- Late fee(s): $[Amount]
- Total balance: $[Total]
- Balance as of: [Date]

Per the Association's collection policy, a late fee of $[Amount] has been added to your account. Please remit the total balance of $[Total] by [Deadline].

If full payment is not received by [Deadline], your account will be referred for further collection action, which may include additional fees and, if required by your governing documents and applicable state law, a lien on your property.

If you need to discuss a payment plan, please contact us immediately at [Contact Information].

Sincerely,
[Board President / Property Manager Name]
[HOA Name]

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--- STAGE 3: PRE-LIEN DEMAND ---
Subject: Demand for Payment — Lien Action Pending — [Property Address]

Date: [Date]
[Certified Mail — Required before most liens]

Dear [Homeowner Name],

IMPORTANT: This is a formal demand for payment. If this balance is not paid, the Association will record a lien against your property.

Current balance:
- Original assessment: $[Amount]
- Late fees: $[Amount]
- Collection costs to date: $[Amount]
- Total amount due: $[Total]

This balance must be paid in full by [Final Deadline — typically 30 days from this letter] to avoid lien recordation.

[State-specific pre-lien language as required — e.g., California Civil Code §5705 requires specific pre-lien notice]

To resolve this matter, contact us immediately at [Contact Information]. We are available to discuss payment plan arrangements.

Sincerely,
[Board President / Property Manager Name / Attorney]
[HOA Name]