Recover HOA Dues

Over 800 Communities Select Us Nationwide

How Credit Reporting Collects HOA Dues

Collections Compliance Keyboard

Credit Reporting Works ›

Having the option to credit report HOA dues (as a collection account) motivates homeowners to pay delinquent dues. That’s because credit reporting affects homeowners personally; while liens only affect a property. And a collection account is the simplest, easiest way to credit report dues.

Our process uses skip tracing, a phone and letter campaign, and an attorney written notice to warn homeowners of the impending consequence of being credit reported, if they don’t contact your Board (or its agent) and pay you directly.

Credit reporting works best after your internal efforts stop working, and before you pursue costly legal action.

Collection Agency

64.7% Success Rate ›

Community Associations across America are having great success using our process to collect delinquent HOA dues. We recover 64.7% of delinquent accounts without liens or foreclosure.

Our service costs a one-time flat fee of $25 (or less) per delinquent account submitted. And homeowners always pay your Association (or its agent) directly — we never touch your money.

Click here to see the timeline of our service. Read about one of our clients in this Charlotte Observer article. Click here to read testimonials from attorneys, property managers, and Board Members who are using our service. Click here to see how our staff works with homeowners.

National Collections Agency

Crystal Clear Reporting ›

Our online system documents everything for your Board to review: from homeowner’s actions, to our internal efforts, to your management firm’s compliance — all in real time.

Watch our YouTube video “How to Collect HOA Dues”. Click here for a brochure, or for a full HOA and POA Welcoming Package.

Collect delinquent dues without using liens or foreclosure; and without burying neighbors in legal fees. Credit reporting is the 21st Century way to collect delinquent HOA dues.

Call today for a no-obligation online tour of our system — and see our results for yourself.

We can provide our services for such a low fee, because we work with hundreds of thousands of accounts per month. So you benefit from the discounts associated with our volume, and only pay for that small portion of our services you use.

If You're A Small HOA or POA We Have Our No-Cost Option To Help You

Credit Reporting HOA Dues as a Collection Account is Legal in All 50 States

Enacted by Congress, The Federal Fair Debt Collection Practices Act (FDCPA) allows property-related debts (like association assessments and fines) to be credit reported as ”consumer debts’, and thus approves the use of credit reporting for association assessments and fines in all 50 States. Our service complies with all FDCPA, Fair Credit Reporting Act (FCRA), and Consumer Financial Protection Bureau (CFPB) statues, laws, and regulations. As the credit reporting entity, we are responsible for all debt collection and credit reporting compliance—providing a secure layer of protection for Associations and Board Members.

Click here to see our process timeline, to print a brochure or full Welcoming Package, and to read our articles. Call us at (800) 441 - 6005 x4 to learn more.

NCSPlus Incorporated is a national collection agency, and operates in all 50 states. NCSPlus acts in the capacity of a ‘dunning service’ or ‘dunning collection agency’ for homeowners associations, property owners associations, and condominium associations. Our harmonious collection process complies with all FDCPA, FCRA, and CFPB rules and regulations, as well as all State and Federal laws and statutes.

HOA and POA Testimonials

  "I thought credit reporting would never work with POA dues. Boy was I ever wrong!"

· Comptroller, Michigan POA

  “We have a Homeowner that owed close to $2,400.00 for two associations. The association received payment in full yesterday. Without a company like yours, we probably would never have been able to collect this as easily as we did. To anyone having issues regarding HOA collections, I strongly urge you to use this program. It really works.

· Hema P., Paragon Property Management

  “ has helped our law firm increase collections, and keep costs down for our HOA clients. They have provided an excellent and easy to use service that frees up our time and allows us to focus on other parts of our business.”

· Atlanta Law Firm

  "CPM began using after several months of searching for an alternate to sending accounts to an attorney, in the early stages of delinquency. Their service has been especially helpful in Community Associations where small annual assessments take years of delinquency to become big enough for legal action. We’ve found the potential of being credit reported has prompted many homeowners to get current in their assessments. Also, has given CPM an additional income stream, as we add a ‘monitoring’ fee to their service when we resell it to our Associations. It has been a great addition to our collection practice due to the ability to affect homeowners’ credit score!"

· Bob K., Community Property Management

  "I manage a 50-year old large-scale lake oriented community. The challenges collecting our dues were compounded by the fact that two-thirds of the members are non-resident property owners (some are absentee out-of-state owners). Foreclosure of an unimproved property is not an economical solution and the alternative to bill the member year after year knowing the account was not going to get paid was extremely frustrating.

In the past we worked with a couple of collection agencies with minimal success. The association attorney offered a modified collection program through his office but as nice as the offer was, it still was not financially feasible. Then our attorney referred us to as a potential source to help with our collections. After reviewing their material and checking references we made the decision to engage their services.

We learned that acts as a dunning agency, not a collection agency, and seemed to have an effective dunning campaign with the ability to report unsettled accounts to all three major credit reporting bureaus. They also maintain a file with due diligence suitable for legal follow-up should that be necessary. The delinquent members were directed to contact and send all payments directly to our Association.

In short the benefits that attracted us to are:

It’s been almost a year now that we have been working with We are pleased with the results and we continue to learn how to work with them more effectively. I consider our partnership with to be successful in changing payment habits based on two key indicators:

In closing one last comment; once we started working with we discovered the intangible benefit of working with helpful professionals who understand the HOA business and do what they say they are going to do. They are a pleasure to work with."

· Ed Varno, Association Manager, LSEA POA

"We have used Recover HOA Dues for that past three years now. They have completely changed our finances for the better. When we first started, we were several thousand dollars in the red, as we had to keep borrowing from our reserves account to pay bills. That completely changed once we sent our accounts to We went from several thousand dollars in the red, to $72,000 in the black in a short period of time (I'm talking a few months).

Since that time, we have used them as soon as our semi-annual dues are even 45 days late - and we have had a 94% success rate in collecting delinquent HOA dues, by following that formula and submitting accounts early.

We have also found that their system has never generated any complaints from our homeowners - not even one. I attribute that to the fact that Recover HOA Dues directs our members back to the Board or our management company to pay us directly.

Their process has gently brought delinquencies current, without offending anybody, and is very inexpensive to use. I highly recommend them to anyone who is having issues, and wants to collect their dues without upsetting their neighbors!"

· Shelton L., Versage HOA Treasurer, Director of HOA

"Our management firm has several associations using your service with great success. The power of credit reporting is most effective. I highly recommend your service to any association who wishes to have great success collecting delinquent dues."

· Gerri B., VP of Operations, Florida Property Management Firm

If you'd like a reference from any of the above testimonials, simply let us know, and we'll gladly put you in touch with them.

Harmonious Collections — NCSPlus Incorporated