Lazega & Johanson Bradley Griffin. Vicki Allen Make False claim and refusing to follow the fair credit act Atlanta Atlanta, Georgia

Nothing you posted here states they have violated the FCRA or FDCPA, and for you to be in arrears for over $3,000 in just principal on HOA dues the "bridge" was not caused by this agency..it was caused by you.

Failure to pay HOA dues or fines is a valid reason to start Foreclosure procedures. So what specific sections of the FCRA or FDCPA do you say they violated?

I mean you would not be getting phone calls without the authorization of the HOA - they were the ones who submitted your name and debt to the collection agency.  There is a really simple solution though:

Pay the debt whatever the balance is.  You owe it, plus the fees.  When you owe an HOA money, whether it is an assessment, or something else, as a member of the HOA, you have to pay the fees.  If your debt went to a collection agency, then you should have paid the bill regardless.

What you think is illegal under the FDCPA is in most states, not illegal according to most courts, and the FDCPA does not have a section that says they can't threaten foreclsoure.  They can initiate conversations that can begin the foreclsoure process.  It is NO lie.  Collection Agencies will exert pressure so you pay your outstanding bill.  Now pay the bill.