The Michigan State Legislature We, the undersigned residents and concerned citizens of the State of Michigan, are writing to respectfully urge you to enact legislation that limits the fees charged by debt collectors and attorneys hired by homeowners associations (HOAs) for the collection of unpaid assessments from co-owners. Specifically, we request that such fees be capped at no more than 10% of the original debt. Background: Homeowners associations play a crucial role in maintaining the quality and value of residential communities. However, when co-owners fall behind on their assessments, the methods used to collect these debts can sometimes lead to financial burdens that are disproportionately high compared to the original amount owed. This is especially true when HOAs resort to hiring debt collectors and attorneys who impose excessive fees. 
Concerns: 
1. Financial Hardship: Excessive fees can exacerbate the financial difficulties faced by homeowners who are already struggling, leading to a cycle of debt that is difficult to escape. 
2. Fairness and Transparency: Limiting fees to a reasonable percentage of the original debt ensures a fair and transparent process for all parties involved.
 3. Community Well-being: By reducing the financial strain on homeowners, we can foster a more harmonious and supportive community environment. Proposed Solution: We propose that the Michigan State Legislature pass a law that: • Caps the fees charged by debt collectors and attorneys hired by HOAs at 10% of the original debt owed by co-owners. • Ensures clear and transparent communication of any fees to homeowners before they are incurred. • Provides oversight and enforcement mechanisms to prevent abuse and protect homeowners from excessive financial penalties. 

Conclusion: By implementing this change, Michigan can lead the way in protecting homeowners from excessive financial penalties while still allowing HOAs to effectively manage and maintain their communities. We believe this proposal strikes a fair balance between the needs of associations and the rights of individual homeowners. We appreciate your attention to this important matter and urge you to consider this proposal in your upcoming legislative session. 
Sincerely, Geneva Jeffries