Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
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 writing to formally request your immediate assistance in addressing the ongoing misconduct, financial exploitation, and aggressive legal actions taken against me by the XXXX XXXX XXXX, XXXX XXXX, and their legal counsel, Larsen and Slaten PLLC. As a XXXX XXXX veteran XXXX I am facing extreme financial hardship, and the Associations unjustified fees and coercive threats of foreclosure have placed my home and financial future in serious jeopardy. 

Despite my repeated attempts to resolve these issues, the XXXX, XXXX XXXX, and Larsen and Slaten have acted in a coordinated and aggressive manner to extract financial gain through unjustified fees, harassment, and deceptive business practices. Their actions constitute violations of both state and federal laws, including but not limited to the following : Violations of Florida XXXX XXXX Florida XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to provide access to financial records and disclosures upon request, violating the requirement for financial transparency. 
Florida Statute 720.3085 ( 1 ) ( a ) XXXX of Assessments The XXXX continues to increase fees annually without providing any justification or corresponding amenities, violating the statutory requirement for fair and properly disclosed assessments. 
Florida Statute 720.305 Enforcement of Governing Documents Threatening foreclosure over disputed fees and penalizing me for alleged violations that occurred during my military XXXX are unreasonable and inconsistent with the law. 
Florida Consumer Collection Practices Act ( FCCPA ) 559.72 The Associations aggressive threats of foreclosure, intimidation tactics, and unreasonable demands constitute harassment and coercion, which are explicitly prohibited under Floridas consumer protection laws. 
Florida Statute 720.306 ( 1 ) ( a ) XXXX XXXX and XXXX XXXX XXXX XXXX has failed to provide homeowners with proper access to meetings and decision-making processes, violating the requirement for homeowner participation. 
Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to properly account for financial records and transition of control, creating a lack of transparency and accountability in decision-making. 
Violations of Federal Law Servicemembers Civil Relief Act ( SCRA ) ( 50 U.S.C. 39014043 ) The Associations attempt to penalize me for alleged violations during my military XXXX is a direct violation of the XXXX, which protects service members from financial penalties and legal actions during XXXX XXXX. 
Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 16921692p ) The Associations use of Larsen and Slaten as third-party agents to threaten foreclosure and impose unjustified fees constitutes abusive and misleading debt collection practices. 
Unfair and Deceptive XXXX Practices Act ( 15 U.S.C. 45 ) The Associations failure to disclose financial information, misleading fee structures, and coercive tactics are unfair and deceptive business practices under federal law. 
Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 26012617 ) The XXXX has failed to provide proper disclosures regarding fee increases and the basis for foreclosure actions, violating federal requirements for real estate transactions. 
Truth in Lending Act ( TILA ) ( 15 U.S.C. 16011667f ) The Associations misrepresentation of fees and failure to provide transparent disclosures regarding the terms and conditions of increased charges constitute a violation of TILA.

Harassment, Coercion, and Conflict of Interest Larsen and Slaten PLLC, as legal counsel for the XXXX XXXX XXXX and XXXX XXXX, appear to be operating under a coordinated scheme to impose unjustified fees and threaten foreclosure to extract financial gain. Their aggressive and severe actions, including threats of foreclosure and liens on my home, have caused significant emotional distress and financial instability. 

It is clear that the XXXX, XXXX XXXX, and Larsen and Slaten are working together to manipulate homeowners through intimidation and financial exploitation. Their repeated violations of state and federal laws reflect a deliberate pattern of misconduct designed to deprive homeowners of their rights while maximizing financial gain through unjustified fees and legal intimidation. 

Requested Resolution To prevent further financial harm and protect my home from unlawful foreclosure, I am requesting the following immediate actions : Prevent the XXXX from placing a lien on my home over disputed fees. 
Investigate the XXXX 's financial practices and the relationship between XXXX XXXX and Larsen and Slaten PLLC for potential conflicts of interest and unethical behavior. 
Hold the XXXX accountable for violating state and federal consumer protection laws. 
Remove my HOA membership due to the Associations failure to fulfill its contractual obligations and provide basic amenities. 
Enforce compliance with Florida and federal laws governing HOA transparency, fair debt collection practices, and protection of service members ' rights. 
Conclusion The XXXX XXXX XXXX actions have placed me under severe financial and emotional stress. As a veteran who served 20 years to protect the rights and freedoms of this country, I am now being deprived of my right to fair treatment and financial security in my own home. I am respectfully requesting your immediate support in holding the XXXX, XXXX XXXX, and Larsen and Slaten accountable for their illegal and unethical practices. 

Thank you for your attention to this urgent matter. I am prepared to provide additional documentation and testimony as needed.

Company response to consumer: Closed with explanation