Free HOA Past-Due Assessment Letter Template - Second-Stage Collections Notice
Free past-due HOA assessment letter template: restate the balance, cite the late-fee policy, set a firm deadline. Fill in free, $5 for PDF.
When to use this template
Use when the friendly reminder produced no payment (or a partial one). This is the Day 14-21 past-due stage: restate the balance, name the late-fee policy, and set a firm deadline that matches your collection policy and governing documents.
What's included
- Delinquent balance with an 'as of' date, including any accrued late fees
- Payment methods/deadline
- Late-fee/interest policy citation
- Note that failure to pay may lead to the next collection stage
- State note hooks
Template
Copy, paste, and fill in the bracketsSubject: Past-Due HOA Assessment - [Property Address] Dear [Homeowner Name], As of [Date], the balance for [Property Address / Lot] is PAST DUE: Assessment owed: $[Amount] Late fees to date: $[Amount] Total balance: $[Total] We previously sent a reminder on [First Notice Date]. Per [CC&R / Policy Section X.Y], a late fee of [Amount or per-schedule] applies after [Due Date]. Payment must be received by [Firm Deadline] to avoid escalation to the next stage of our collection process under [Governing Documents / State Law]. Pay online at [Portal Link] or mail payment to [Address]. If you believe this balance is incorrect, contact us at [Phone / Email] promptly so we can resolve it. Sincerely, [Sender Name] - [Title] - [Contact Info]
This is a starting point. Always review and adapt the language to your specific situation, CC&Rs, and state requirements before sending. This is not legal advice.
Frequently asked questions
Most boards wait 7-14 days after the friendly reminder before sending the past-due notice.
Only if your governing documents or state law authorize it - cite the specific rule.
State law notes
Indiana: keep the amount line accurate - on request you must provide the accrued amount to the member (IC 32-25.5-3-12(g)); assessment collection itself is not gated by the grievance chapter.
Oregon: set the deadline consistent with your pre-delivered fine/charge schedule; OR law requires written notice and an opportunity to be heard before fines (ORS 94.630(1)(n)).
Related guides
Other templates
Use when a homeowner has missed one or more assessment payments and this is the FIRST written contact. Keep it friendly: assume a misdirected payment, thank them if they have already paid, and offer help if there is an issue. This is the Day 0-7 courtesy stage - no late fees, no threats.
Use when the past-due notice deadline has passed and the account is formally delinquent. This is the legal-tone stage: the letter documents the amount, the policy authorizing collection, and the consequences of continued non-payment (per your documents and state law).