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In XXXX XXXX, a collection attorney ( Beard & Lane Attorneys At Law ) has charged my HOA account {$2700.00} for attorney fees when I was already in a payment agreement with the XXXX XXXX XXXX ( XXXX XXXX ) that I would make my own siding repairs at XXXX XXXX XXXX XXXX in exchange for a HOA Credit. I also paid for siding repairs and some credits were disallowed for {$2800.00} ( see attached invoices ) for {$18000.00}, while I was only credited {$15000.00}. In addition, I was charged {$1500.00} in late fees while I was making the agreed repairs.
In addition, they have violated 3 FDCPA laws to include : 1. The collector ca n't add on any extra fees that your original credit or loan agreement does n't allow. [ 15 USC 1692f ] 808 ( 1 ). However XXXX XXXX has added {$2700.00} in legal fees ( see attachment ) and {$1500.00} in late fees ( see attachment ) to my HOA Fees. Beard & Lane Attorneys are applying my XXXX fees and credits to pay their legal fees and is threatening foreclosure in 2 weeks ( see attached ).
2. They have Ignored my written request to verify the debt and continue to collect even though I made the request within 30 days of the notice [ 15 USC 1692g ] 809 ( b ). I sent a Validation of Debt letter XXXX/XXXX/XXXX ( certified mail ) and on XXXX/XXXX/XXXX, I was contacted by Beard & Lane to cash my XXXX HOA fees, which will be applied to their legal fees. I requested an updated statement with XXXX payments, which I have not received yet.
3. I made a written request for the collector to cease communication ( see attached validation of debt letter ), but they emailed me on XXXX/XXXX/XXXX to ask me if they could cash my checks I sent for XXXX HOA. They can only contact me one more time, via mail to let me know one of the following : that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [ 15 USC 1692c ] 805 ( c )
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