Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Mortgage 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:
I am submitting this complaint regarding ongoing debt collection activity related to alleged homeowners association ( HOA ) assessments on my property by the XXXX XXXX XXXX XXXX ( XXXX ) and its retained debt collection counsel, XXXX XXXX XXXX XXXX. A XXXX law firm has been engaged in collection activity concerning alleged unpaid assessments. I have received collection communications and foreclosure-related notices. While this collection activity is ongoing, I attempted to inspect and obtain the governing documents that establish the Associations authority to impose and enforce the alleged debt, specifically the recorded Declaration of Covenants, Conditions, and Restrictions ( CCRs ) applicable to my property. On XX/XX/year>, I physically appeared at the XXXX office to request inspection of these official records. Instead of providing access to the governing documents, I was handed a document titled XXXX XXXX XXXX Application for Commercial Construction, which is unrelated to my request. I did not request architectural approval, demolition review, or construction authorization. I requested access to official records necessary to verify the basis, amount, and enforceability of the alleged debt. This conduct effectively obstructs my ability to meaningfully review and dispute the debt being collected. Given that foreclosure and XXXX enforcement are involved, access to the Declaration and governing documents is material to : Determining whether the assessments were properly authorized Verifying compliance with notice and enforcement requirements Confirming XXXX authority and procedural validity Evaluating the accuracy of the amount claimed Continuing collection activity while obstructing access to foundational governing documents raises concerns under the Fair Debt Collection Practices Act, including : 15 U.S.C. 1692e false or misleading representations 15 U.S.C. 1692f unfair or unconscionable means to collect a debt 15 U.S.C. 1692g validation of debts If a consumer is denied access to the documents that create and define the alleged obligation, the consumer is materially impaired in exercising their dispute and validation rights. I am requesting : Investigation into whether the debt collector is engaging in unfair or deceptive practices by continuing collection activity while foundational documentation is withheld Confirmation that proper debt validation procedures have been followed Immediate provision of documentation supporting the debt, including governing authority and governing declarations applicable to my property I am not disputing that associations may assess dues. I am asserting that meaningful access to governing documents is necessary to verify the legitimacy, calculation, and enforceability of the alleged debt before foreclosure proceeds. This matter involves active collection pressure and potential loss of property. I respectfully request regulatory review and appropriate corrective action.

Company response to consumer: Untimely response