Consumer complaint received 2025-03-14 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:
To Whom It May Concern, I am writing to formally dispute the aggressive and unlawful actions of XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, and their legal representatives, Larsen and Slaten PLLC. XXXX XXXX has engaged in a calculated pattern of harassment, coercion, and financial exploitation, directly threatening my home with foreclosure despite my documented financial hardship and military service. These actions are not only unethical but violate multiple Florida state statutes and federal protections. 

XXXX XXXX relentless attempts to impose unjustified fees and pursue a lien on my home are not only predatory but legally questionable. Despite repeated requests for transparency and justification of these fees, XXXX  XXXX has refused to provide a clear and accurate breakdown of how my payments are being allocated and has increased fees annually without basis or explanation. Furthermore, XXXX  XXXX has resorted to intimidation and coercion by threatening foreclosure over fees that are unsupported and inconsistent with the governing documents. 

This is not just a matter of poor managementit is a deliberate and organized effort to extract money under threat of losing my home. The pattern of financial mismanagement and legal intimidation strongly suggests that the XXXX XXXX XXXX, XXXX XXXX, and Larsen and Slaten PLLC are operating as a single entity under a shared strategy of maximizing financial gain through exploitation of homeowners. This raises serious legal and ethical concerns that demand immediate investigation and correction.

Violations of Florida State and Federal Law Failure to Provide Financial Transparency Under Florida Statute 720.303 ( 4 ), XXXX XXXX is required to maintain accurate financial records and make them accessible to homeowners upon request. My repeated attempts to obtain an itemized accounting of the fees imposed have been ignored, which is a direct violation of this statute. The refusal to disclose financial information raises serious concerns about the legitimacy of XXXX XXXX  accounting practices. 

Unjustified and Non-Transparent Fee Increases Florida XXXX XXXX ( XXXX ) ( a ) requires that HOA assessments be levied based on an actual budget reflecting the association 's needs and outlined in the governing documents. XXXX XXXX consistent and unexplained fee increases without any demonstrable improvements or benefits directly violate this statute. Moreover, the lack of accessible amenities raises the question of whether these fees are being misappropriated. 

Harassment and Coercion Through Threats of Foreclosure XXXX XXXX  pattern of threatening foreclosure over disputed fees and without clear legal basis constitutes harassment and coercion, which is prohibited under the Florida Consumer Collection Practices Act ( XXXX ). The use of foreclosure as a weapon to intimidate and extract payment from struggling homeowners is an abusive practice that demands immediate legal scrutiny. 

Retaliation Against a Service Member XXXX XXXX  attempt to impose penalties for alleged violations that occurred during a period of XXXX  XXXX is a direct violation of the Servicemembers Civil Relief Act ( SCRA ), which prohibits adverse legal action against service members based on their active-duty status. Retaliating against a veteran for circumstances beyond their control is unconscionable and unlawful. 

Unfair Debt Collection Practices Under the Florida Consumer Collection Practices Act ( 559.72 ), it is unlawful to willfully engage in practices designed to intimidate, coerce, or mislead a debtor. XXXX XXXX XXXXailure to provide clear accounting, its refusal to engage in reasonable resolution efforts, and its threats of foreclosure despite the lack of transparency constitute unfair debt collection practices in violation of state law. 

Pattern of Collusion and Financial Exploitation There is strong evidence that the XXXX XXXX XXXX, XXXX XXXX, and Larsen and Slaten PLLC are working in collusion to exploit homeowners through coordinated fee increases, legal threats, and foreclosure tactics. XXXX  XXXX raises fees without justification, and Larsen and Slaten are positioned to profit from the ensuing legal action. This symbiotic relationship creates a conflict of interest and undermines the integrity of XXXX XXXX management practices. 

Furthermore, numerous reports and legal cases across the country have documented similar patterns of collusion between HOAs, management companies, and legal firms. These entities are often incentivized to increase fees and pursue aggressive collections, knowing that legal costs and penalties will further burden the homeowner while increasing their own revenue. XXXX XXXX behavior mirrors these exploitative tactics, raising serious questions about the ethical and legal foundation of their operations. 

Immediate Demands In light of these statutory violations and unethical practices, I am demanding the following immediate actions : Cease and Desist All collection attempts, legal threats, and efforts to place a lien on my property must be stopped immediately until this matter is fully investigated and resolved. 

XXXX XXXX XXXX XXXX XXXX must produce a full and transparent accounting of all fees imposed, including a detailed explanation of how they were calculated and where they have been allocated, as required by Florida XXXX XXXX ( XXXX ). 

Explain the XXXX XXXX XXXX XXXX XXXX must justify why fees are being charged when there are no meaningful amenities accessible to homeowners. Charging fees for non-existent or inaccessible services may constitute fraudulent misrepresentation.

Engage in Good Faith Resolution XXXX XXXX must engage in meaningful discussions to resolve these issues, including a reduction or elimination of unjustified fees, and implement a payment plan that reflects my financial reality. 

Consequences of Non-Compliance Failure to comply with these demands will leave me with no choice but to escalate this matter to the highest state and federal authorities, including but not limited to : Filing a formal complaint with the Florida Department of Business and Professional Regulation for violations of state statutes governing HOAs.

Submitting a complaint to the Florida Attorney Generals Office for potential violations of the Florida Consumer Collection Practices Act.

Seeking legal protection under the Servicemembers Civil Relief Act ( SCRA ) for attempts to penalize me for circumstances arising from military service. 
Initiating legal action to challenge the validity of the fees imposed, the threats of foreclosure, and XXXX XXXX failure to provide financial transparency. 
Pursuing damages for emotional distress and financial harm caused by XXXX XXXX  harassment and coercion. 
Conclusion This situation is no longer a simple matter of HOA mismanagementit is a systematic abuse of power aimed at exploiting homeowners through fear and financial manipulation. I am prepared to pursue every legal avenue available to protect my home and hold the XXXX XXXX XXXX, XXXX XXXX, and Larsen and Slaten PLLC accountable for their unlawful actions. I urge you to take immediate corrective action to avoid further escalation of this matter.

Company response to consumer: Closed with explanation