Courtesy Email Reminders
Free, friendly email reminders that nudge homeowners before a balance becomes a problem. Most accounts resolve at this stage.
HOA Collections & Delinquency Management
In-house collections that protect cash flow without sending every delinquency to a lawyer.
Edison's collections department runs the delinquency process end-to-end, courtesy reminders, formal notices, intent-to-lien, payment plans, and attorney coordination when legally required. Most cases resolve before legal escalation. Your association's cash position stays healthy.
Applies to: HOA + Condo Associations
In-house
Collections handled by Edison's dedicated department, not outsourced to a collections agency.
Pre-legal
Most cases resolve before any attorney involvement, protecting cash flow and homeowner relationships.
Tracked
Every account aged, documented, and visible to the board through CINC dashboards.
What's included
Collections work that scales from one delinquent account to a portfolio
Edison's collections department runs the workflow on a documented cadence, boards see the same process applied consistently across every account.
Formal Notice Sequence
30-day, 45-day, and 60-day notices on a documented schedule with FL-compliant language and certified-mail tracking when required.
Intent-to-Lien Processing
Edison prepares intent-to-lien notices on the statutorily compliant timeline. Most homeowners resolve at this stage.
Payment Plan Coordination
When homeowners can't pay in full, Edison negotiates board-approved payment plans with documented terms and CINC-tracked installments.
Attorney Coordination
For accounts that require legal action, Edison hands off a complete case file to the association's attorney with every notice and acknowledgment documented.
Board Reporting
Monthly aging summary with trend lines. Outliers flagged early so your board can act before accounts escalate.
Why Edison
Why Edison's collections model recovers more, faster
In-House Department
Most management companies hand collections to an outside agency. Edison keeps it in-house, better continuity, better recovery, better homeowner experience.
Correction-Before-Escalation
Most delinquencies resolve before legal escalation when the workflow uses courtesy reminders, payment plans, and clear notice timing.
Documented Process
Every step timestamped and logged through the Action Item List. Boards have an audit trail for every account, every notice, every payment plan.
Cash Flow Discipline
Aging tracked monthly. Outliers flagged before they become legal cases. Cash position protected without aggressive escalation.
Attorney Coordination, Not Substitution
When legal action is genuinely required, Edison hands a complete case file to your association's attorney. Clean handoff, no gaps.
FL Compliance Built In
Florida collection statutes change. Notice timing, certified-mail requirements, and lien process specifics are baked into the workflow, not bolted on after a homeowner challenges a notice.
Sitting on a stack of aged receivables?
Edison's first conversation is free. We'll review your current delinquency profile and tell you what's recoverable without litigation.
The process
How an account moves through Edison's collections workflow
Predictable timing, documented at every step.
01
Day 1–30, Courtesy Email
Free, friendly reminder. Most accounts pay within this window. No fees applied.
02
Day 30–60, Formal Notice
First formal notice with statutorily compliant language. Late fees applied per governing documents.
03
Day 60–90, Intent to Lien
Edison prepares and sends intent-to-lien on the FL-compliant timeline. Most remaining delinquencies resolve here.
04
Day 90+, Legal Coordination
Accounts that haven't resolved are escalated to the association's attorney with a complete case file.
We inherited 18% delinquency. Edison's collections department took it to 3.2% in twelve months. Not one foreclosure escalation. Cash flow came back without lawsuits.
Linda B.
Treasurer · HOA · 268 units · Cypress Crossing
FAQ
Questions boards ask most
Does this apply to both HOAs and condo associations?
Yes. The collections workflow is the same; the statutory specifics differ between Ch. 720 (HOA) and Ch. 718 (condo). Edison's department calibrates to each.
What happens at intent-to-lien?
Edison prepares a statutorily compliant intent-to-lien notice on the FL-required timeline. Most homeowners resolve at this stage rather than face an actual lien. If they don't, Edison coordinates with the association's attorney for the lien filing itself, which has to be done by counsel under FL statute.
Do you handle the foreclosure process?
Foreclosure is an attorney-led process under FL statute. Edison prepares the complete case file, supports the attorney through discovery, and coordinates with the board on every escalation decision, but the legal work itself is performed by counsel.
How do you protect homeowner relationships?
Courtesy reminders before formal notices. Payment plans when homeowners hit hardship. Clear, plain-language communication throughout. Most homeowners don't realize Edison's collections department exists because they pay before it would.
Can the board approve payment plans?
Yes. Edison negotiates payment plan terms with the homeowner; the board approves them. CINC tracks the installment schedule, and Edison flags deviations to the board the month they happen.
Get started
Healthy cash flow without aggressive escalation.
Tell us about your association's current delinquency. We'll respond with a written proposal sized for your aging profile and governing documents, within one business day.