I owed homeowners association dues for a few years at $25.00 per month. I did not ever pay dues. I bought my home from a bank who stated there was no active association. When I moved in the property a year after purchase I asked several neighbors and the old President of the association who told me there was no active association. I contacted FHA who told me they did not lend money to new homeowners related to no active homeowners association. I called the management company who never returned a call. I received a letter from Equity Experts and I asked for a copy of by-laws and proof of who they were. I received nothing. Long story short. A year or so later. I received a knock on my door from an investor that stated my home was on a foreclosure list. Upon investigating, Equity Experts put a lien on my home for $750.00. When I contacted them I was told I needed to pay $5600.00 to stop foreclosure proceedings. At the time I was unemployed and needed to refinance my home, which I had no mortgage on, to pay the $5600.00. After my loan officer contacted the company for details, the amount changed to almost $10,000. I believe that Equity Experts did this in hopes to take my home from me. There is no entity that governs homeowners associations so basically they do what they want. Attorney Michael Novak is over this company. After I paid the $9915.00 I received a bill for $25.00 a week later. I truly believe I paid enough for the remainder of the time I am in this home. A neighbor who moved in a year prior paid $2500.00 and a neighbor that moved in a year later paid $3000.00. I think I was targeted at such a high amount hoping I could not pay and my home taken from me because I had no mortgage on my home and the collection company would have first lein position. Anyone willing to help or have suggestions please contact me (((ROR redacted))) CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.