Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Larsen & Associates, P.L.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the actions and practices of the XXXX XXXX XXXX, XXXX XXXX, and their legal representatives, Larsen and Slaten PLLC, regarding the management of my property and the unjustified attempts to impose fees and pursue a lien on my home. I am currently facing extreme financial hardship, and the continued escalation of fees and threats of foreclosure place an unreasonable and unsustainable burden on me and my family. 

XXXX and foremost, the fees imposed by the XXXX XXXX XXXX lack any rational justification. A fundamental purpose of a homeowners association ( HOA ) is to provide benefits and amenities that enhance the value of the community and justify the financial contributions of homeowners. However, in my case, there are no amenities provided by the XXXX XXXX XXXX that would reasonably justify the ongoing and increasing financial demands. Unlike typical HOAs that maintain shared facilities such as pools, parks, clubhouses, or other community spaces, the XXXX XXXX XXXX has failed to deliver any tangible benefits to homeowners. In fact, any semblance of amenities that may exist are so far removed from my residence that they are functionally inaccessible and impractical to use. 

Moreover, the HOAs decision to increase fees annually without transparency or accountability raises serious questions about the legitimacy and fairness of their financial practices. It appears that the XXXX XXXX XXXX, XXXX XXXX, and Larsen and Slaten PLLC are operating as a single entity under a coordinated scheme to extract excessive fees from homeowners without providing any meaningful return or justification. This type of conduct aligns with troubling patterns seen in other HOAs where management companies and legal counsel work together to inflate costs and increase revenue streams at the direct expense of homeowners. Legal scholars and investigative reports have documented instances where HOA boards and their affiliated law firms have exploited gaps in governance to impose unreasonable fees, create cycles of debt, and use the threat of foreclosure as leverage to enforce compliance. 

Adding to the gravity of the situation is the fact that I am experiencing severe financial hardship. Despite my attempts to communicate my situation and seek reasonable accommodation, the XXXX XXXX XXXX and its representatives have shown little to no regard for my financial position. The imposition of a lien on my home under these circumstances would not only be unjust but would likely lead to foreclosure, placing my family at risk of losing our home. Furthermore, past attempts to resolve disputes regarding alleged violationssome of which occurred during my military deploymentwere met with resistance or ignored entirely. Attempting to penalize a homeowner who was actively serving their country at the time of these alleged violations is not only unreasonable but potentially unlawful under state and federal protections afforded to active-duty service members and veterans. 

The Associations failure to provide adequate justification for the imposed fees, the lack of amenities, the absence of transparency, and the coordinated legal pressure from Larsen and Slaten PLLC and XXXX XXXX reflect a pattern of mismanagement and abuse of power. It is not acceptable for the XXXX to seek to place a lien on my home under these circumstances, particularly when there is no demonstrable benefit to me as a homeowner and no legitimate foundation for the imposed fees. 

Therefore, I am requesting the following immediate actions : Cease and desist from any further collection attempts or threats of foreclosure until this matter is fully investigated and resolved. 
Provide a full and detailed financial accounting of the fees imposed, including an explanation of how these fees have been calculated and where they have been allocated. 
Justify the annual fee increases and provide evidence of any amenities or services that these fees are intended to support. 
Issue a formal acknowledgment of the financial hardship I am facing and engage in good faith discussions to reach a reasonable resolution that does not jeopardize my home or financial stability. 
Failure to address these concerns adequately and fairly will leave me with no choice but to escalate this matter to the appropriate state and federal regulatory authorities, including but not limited to the XXXX XXXX XXXX  XXXX and Professional Regulation, the Consumer Financial Protection Bureau, and potentially the XXXX Department of Justice under protections for veterans and service members. 

I trust that the XXXX XXXX XXXX, XXXX XXXX, and Larsen and Slaten PLLC will take this matter seriously and work toward a fair resolution.

Company response to consumer: Closed with explanation