Consumer complaint received 2025-03-12 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 filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Larsen and Slaten PLLC for their direct involvement in fraudulent and unlawful debt collection practices on behalf of the XXXX XXXX XXXX and XXXX XXXX. Their conduct reflects a deliberate scheme to exploit homeowners through unjustified fees, improper legal actions, and intimidation tactics designed to force payment of disputed debts. Their involvement has caused significant financial harm and emotional distress, and I am demanding immediate regulatory action. 

I am an XXXX XXXX XXXX XXXX in the United States XXXX with 20 years of honorable service. I fully own my home with no mortgage obligations. Despite this, Larsen and Slaten PLLC have engaged in aggressive and unlawful collection efforts based on illegitimate HOA fees imposed by XXXX XXXX. Their conduct violates state and federal consumer protection laws and constitutes a direct breach of my legal rights under the Fair Debt Collection Practices Act ( FDCPA ) and the

Servicemembers Civil Relief Act ( SCRA ). 1. Unlawful and Deceptive Debt Collection Practices Larsen and Slaten PLLC have acted as legal
enforcers for XXXX XXXX, pursuing collection of disputed and unjustified HOA fees.

Their actions include : Issuing misleading and deceptive collection notices falsely stating that I am in default. Threatening legal action and foreclosure despite the disputed nature of the debt. Attempting to collect fees that are not supported by the HOAs governing documents or Florida law. Misrepresenting the validity and legal standing of the alleged debt. Larsen and Slaten PLLCs collection notices violate the FDCPA by failing to provide accurate debt validation and misrepresenting the consequences of non-payment. 2. Threats of Foreclosure on a Fully Paid Property Despite owning my home outright, Larsen and Slaten PLLC have threatened to place a lien on my property and initiate foreclosure proceedings based on disputed HOA fees. They have demonstrated a strong and clear intent to foreclose on my property for an illegitimate debt. Florida law prohibits foreclosure based on fraudulent or unsupported debt claims. Attempting to seize a fully paid-for property over illegitimate fees constitutes abuse of legal process and extortion. Their attempt to weaponize foreclosure threats against a fully paid homeowner is a predatory practice designed to intimidate and force payment under duress. 3. Violation of the Servicemembers Civil Relief Act ( SCRA ) As an XXXX XXXX XXXX XXXX, I am entitled to legal protections under the SCRA, which shields military members from foreclosure and unfair financial practices during active service.

Larsen and Slaten PLLCs threats of foreclosure while I am actively serving violate my SCRA rights.

Their aggressive collection tactics have caused financial strain and emotional distress, interfering with my ability to fulfill my military duties.

4. Failure to Provide Debt Validation and Legal Justification Under the FDCPA, debt collectors are required to provide clear debt validation upon request. Despite my formal dispute of the charges and requests for documentation, Larsen and Slaten PLLC have failed to provide : A detailed explanation of the debts origin and validity.

Proof that the HOA fees being collected are authorized under the governing documents.

Legal justification for the penalties, late fees, and foreclosure threats.

Their refusal to provide debt validation reflects an intentional effort to obscure the truth and avoid accountability.

5. Request for Removal from the HOA Due to the fraudulent and unlawful practices outlined above, I am formally requesting to be removed from the XXXX XXXX XXXX and sever all financial and legal ties with XXXX XXXX and Larsen and Slaten PLLC.

Their financial misconduct and unlawful collection practices create ongoing legal and financial risks.

I have no confidence in their ability to manage or enforce HOA obligations in a lawful and ethical manner.

6. Legal Violations Larsen and Slaten PLLCs actions constitute clear violations of multiple state and federal laws, including : The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) Engaging in deceptive and misleading debt collection practices.

The Servicemembers Civil Relief Act ( 50 U.S.C. 39014043 ) Threatening foreclosure and financial harm to an XXXX XXXX XXXX XXXX. 
Florida Homeowners Association Act

Failing to provide financial transparency and imposing unauthorized fees. Florida Consumer Protection Statutes Using deceptive business practices and unfair collection tactics. 7. Relief Sought I request that the CFPB : Conduct a full investigation into Larsen and Slaten PLLCs debt collection and legal practices. Impose civil penalties and criminal sanctions where applicable. Order Larsen and Slaten PLLC to cease all collection activity and threats of foreclosure. Require Larsen and Slaten PLLC to provide full debt validation and disclose all underlying documentation. Approve the removal of my property from the HOA due to breach of contract and fraudulent practices. 8. Conclusion Larsen and Slaten PLLCs involvement in this scheme reflects a deliberate attempt to exploit homeowners through fraudulent debt claims and predatory legal actions. Their attempt to foreclose on a fully paid home based on disputed fees is not only unlawfulit is criminal. Their conduct has inflicted financial and emotional harm, and immediate regulatory action is necessary to prevent further damage. I demand that the CFPB hold Larsen and Slaten PLLC accountable and provide relief for the harm they have caused. Thank you for your attention to this serious matter. I expect a prompt response and resolution.

Company response to consumer: Closed with explanation