HOA Late Fee & Collection Policy Template

What's included

• ✓Model collection policy: grace period, late fee, interest, payment application order, escalation schedule
• ✓5-state late fee cap table — CA §5650 (10% or $10), FL §720.3085 ($25 or 5%), TX, AZ, NC
• ✓Payment application order worksheet — CA CC §5655: assessments first, fees last
• ✓90-day collection decision tree — 30-day notice → attorney referral → pre-lien → lien
• ✓State pre-lien notice table — CA (30 days), FL (45 days), TX (30 days), AZ (15 days), NV (30 days)