Assessment Collections
An association runs on the assessments owners pay, and a few delinquent accounts can put the whole operating budget at risk. We help HOA and condominium boards collect what they're owed through a steady, even-handed process: clear demand letters, workable payment plans, and escalation to a lien and suit when an owner simply won't pay. Our HOA collections attorneys work with associations in Bellevue, Seattle, and across the Eastside.
Talk to an attorneyFounded
1965
Attorneys
11
AV-rated
Martindale-Hubbell
Office
Bellevue, WA
Founded
1965
Attorneys
3
AV-rated
Martindale-Hubbell
Office
Bellevue, WA
Assessment collection attorneys for Bellevue and Seattle community associations
Oseran Hahn helps community associations collect delinquent assessments without letting the process drift or expose the board. We build the collection policy, send the demand letters, negotiate payment plans, and escalate to a lien and lawsuit when voluntary collection fails. Washington lets associations recover late fees, interest, and collection costs from a delinquent owner, and the obligation to pay generally can't be withheld over a dispute with the board. Since January 1, 2026, Washington also requires a notice of delinquency within 30 days of a missed assessment, and no other collection step can be taken until 15 days after it goes out, so the first letter now has a deadline. The point is a predictable rhythm that protects the budget and treats every owner the same.
Collections works when it's a consistent rhythm, not a reaction to a cash crunch. We confirm the assessment is properly levied through a ratified budget; we set the late fees, interest, and collection costs the documents allow; we run the demand-letter sequence that resolves most delinquencies; we negotiate and document payment plans for owners who want to cure; and we escalate to a lien, suit, and fee recovery when an owner refuses to pay.
The assessment obligation and the budget
Every owner has to pay their share of the association's assessments, and that obligation rests on a budget the board adopts and the owners ratify (RCW 64.90.525). WUCIOA sets how common expenses are allocated among the units and authorizes both regular assessments and special assessments for unbudgeted costs (RCW 64.90.480). An owner generally cannot withhold assessments or claim an offset because they disagree with a board decision or are unhappy with a service; the duty to pay stands on its own. We make sure the assessment the board is collecting was levied correctly, because a defective budget or allocation is the first thing a delinquent owner's lawyer attacks.
Late fees, interest, and the collection policy
A delinquent account costs the association more than the missed payment, and the statute lets the association recover that cost. The association can charge late fees, interest, and the collection costs and attorney fees it incurs, and those amounts attach to the debt and the eventual lien (RCW 64.90.480; RCW 64.90.485). What makes them enforceable is a written collection policy the board adopts and applies the same way to everyone. We draft that policy, set the fee and interest terms the documents allow, and keep them inside what the statute permits.
Demand letters and the collection sequence
Most delinquencies are cured by a clear, escalating sequence of notices rather than a lawsuit. Washington now sets the first step: no later than 30 days after an assessment becomes past due, the association must mail the owner a notice of delinquency that carries the statutory preforeclosure warning (RCW 64.90.485; RCW 64.34.364 and RCW 64.38.100 for older communities). Until the 15th day after that notice, the association can't take any other collection step, and it can charge only the mailing cost, an administrative fee of up to $10, and one late fee of no more than $50 or 5 percent of the unpaid assessment, whichever is less. Then comes a formal demand from counsel that states the balance, the accruing charges, and what happens next. The attorney demand letter resolves a large share of accounts on its own, because it signals the association is serious and the cost of ignoring it is climbing. We build the notice sequence into the collection policy so the board follows the same steps every time and the record supports whatever comes next.
Payment plans and workouts
Some owners want to pay but cannot do it all at once, and a payment plan is often the fastest route to recovery. We negotiate and document plans that set a realistic schedule, keep interest running, and spell out what happens on default, so a missed plan payment puts the association right back on the escalation track without starting over. Like everything else in collections, payment plans have to be offered on consistent terms, because an owner who got worse terms than a neighbor has a grievance the board does not want.
Escalation: lien, suit, and fee recovery
When an owner simply will not pay, the unpaid assessments become a lien on the unit, and the association can sue on the debt or foreclose the lien (RCW 64.90.485). A prevailing association typically recovers its collection costs and reasonable attorney fees, which is what makes pursuing even a modest balance worthwhile (RCW 64.90.485; RCW 64.90.685). We handle the escalation and, where foreclosure is the right tool, the lien work covered in our lien enforcement practice. The aim is to collect the debt and the cost of collecting it, not to let one account quietly become a write-off.
Two decades collecting assessments for Eastside associations, with attorneys who know that the goal is a paid balance and a sound budget, not a fight. We run a consistent process that recovers what the association is owed, including the cost of recovering it, and treats every owner the same.
We make collection a system, not a scramble.
A written policy, a fixed notice sequence, and consistent terms. When collection runs on a system, delinquencies get caught early and the board never has to improvise under budget pressure.
We recover the cost of collecting.
Late fees, interest, collection costs, and the attorney fees the statute allows. A well-run file means the delinquent owner, not the other members, pays for the collection effort.
We escalate only when it pays.
Most accounts resolve with a demand letter or a payment plan. We push to a lien and suit when that's the route that actually recovers the money, and we tell the board honestly when an account isn't worth chasing.
The attorneys behindthe work.
Our business and corporate attorneys handle this work alongside our litigation team, so you have coverage whether your matter stays transactional or becomes something more.
What clientsask us first.
How soon should an HOA start collections on a late account?
Within 30 days of the missed payment, because Washington now sets that deadline. Since January 1, 2026, the association has to mail a notice of delinquency no later than 30 days after an assessment becomes past due, and it can't take any other collection step until the 15th day after that notice (RCW 64.90.485). Starting early still pays: the sooner a late account gets that notice and then a formal demand, the more accounts cure before they balloon. A written collection policy that sets those timelines, applied to every owner the same way, is what keeps a few late accounts from becoming a budget problem.
Can an owner refuse to pay because they're unhappy with the board?
Generally no. The duty to pay assessments stands on its own, and an owner usually cannot withhold payment or claim an offset because they dispute a board decision or a service. They can challenge the board through other channels, but the assessment is still due. We collect on that basis while addressing the underlying complaint separately.
Can we charge the delinquent owner for our collection costs?
Usually yes. Washington lets associations recover late fees, interest, and the collection costs and reasonable attorney fees they incur, whether or not the account ever goes to suit, and those amounts attach to the debt and the lien (RCW 64.90.480; RCW 64.90.485). The one timing limit to know: until the 15th day after the statutory notice of delinquency, the only charges allowed are the mailing cost, an administrative fee of up to $10, and a single late fee. A clear collection policy is what makes the rest stick.
An owner asked for a payment plan. Should we agree?
Often it's the fastest way to get paid. A documented plan with a realistic schedule, continued interest, and clear default terms beats a drawn-out fight. The key is consistency: offer plans on similar terms to similarly situated owners, so no one can claim they were treated worse than a neighbor. We draft plans that protect the association if the owner defaults.
Can unpaid HOA dues go to collections?
Yes. Under WUCIOA, unpaid assessments are a lien on the unit from the time they're due, and the association can also sue the owner for a personal judgment without giving up that lien (RCW 64.90.485). We handle that escalation and the lien work, and because a prevailing association usually recovers its fees, pursuing even a modest balance often makes financial sense. The firm's litigators carry the case through to judgment.
When should an HOA bring in a collections attorney?
An HOA should bring in a collections attorney when it sets up its collection policy, and again when an account passes the point where the statutory notice and in-house reminders have stopped working. Bring us in before you escalate to a lien or suit, too. If an account reaches us before the first notice of delinquency went out, the statute requires that notice to be mailed before anything else happens, and we send it (RCW 64.90.485). A short engagement to build the process up front prevents most of the problems that make individual collections expensive later.
Collection policies, demand letters, payment plans, and escalation to liens and suit for Washington community associations.
Oseran Hahn P.S. · 11225 SE 6th St, Suite 100 · Bellevue, WA 98004
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