How to Draft a Hardship Letter for HOA Fees

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

Get Help Writing a Hardship Letter for HOA Fees

Did you know you can get a reprieve from homeowner's association membership dues? You can, if you . That's a big deal when times are tough, and it's difficult enough to pay for home upkeep expenses including property taxes, utilities, and maintenance fees.

But as you probably know, homeowner's associations can be pretty strict... from banning colorful holiday lights to restricting the colors you paint your house. You might think it would be impossible to convince your HOA board to cut you some slack, but if you have DoNotPay on your side, chances are you'll be successful.

Let's take a look at how to write a hardship letter for HOA fees on your own, and how to let DoNotPay act as your "AI Consumer Champion".

How to Appeal to Your HOA Board for Alternate Payment Arrangements

Negotiating with homeowner's associations is never easy. Even though board members are your neighbors, they have to compartmentalize their social relationships with their responsibilities to the community as a whole.

You can try and find free or inexpensive legal help by contacting the American Bar Association, but you can also try writing a hardship letter to the HOA board to .

Sample Hardship Letter for HOA Fee Waiver or Extension

Dear (Treasurer of your HOA Board):

I am writing to request an arrangement to meet my HOA dues obligations on a future date, either through installments or an extension on my balance. At present, I am (below are examples; write what is most relevant to your situation)

  1. Unemployed, as of XXX date, though I have been seeking employment daily;
  2. Facing additional medical/legal/emergency expenses
  3. Undergoing treatment for a medical condition
  4. On leave to look after a loved one

These circumstances make payment of my HOA dues a financial hardship that would prevent me from meeting my household/family's primary needs. To find alternative means to meet my financial obligations, including to the HOA, I have (examples below):

  1. Applied for loans from XXX financial institutions
  2. Sought aid from XXX government programs
  3. Requested help from friends and family
  4. Exhausted my savings or retirement funds

I fully intend to pay my dues in full. Should further fees be levied, or other penalties or forfeiture be enforced according to the HOA covenants, my ability to meet my basic needs and obligations will be further compromised. Therefore, if we can work together to find a solution, it would be a win/win situation for both the community and for me and my household.

I would like to propose (examples follow):

  • Monthly installments of XXX amount, beginning on (date)
  • Full payment within three months of my employment
  • A discount of (percentage), the balance to be paid on (date)
  • A waiver of all fees for the current year

Thank you very much for your consideration. Please contact me at your convenience so we can discuss a mutually-beneficial arrangement. I will also be happy to provide financial documents as necessary and appropriate.


(Your name and signature)

Documents That Will Help Your Case With the HOA

Be prepared to provide proof of your financial situation as requested, and as is appropriate.

  • Termination or furlough notice
  • Itemized medical bill or note from your physician
  • Legal judgment against you that compromises your finances
  • Your tax returns from before and after your financial hardship began
  • Paystubs representing both prior and new employment, if you have taken a significant cut in pay
  • Rejection letters from lending institutions

You may also wish to include documentation that shows you are an otherwise responsible citizen. For example:

  • Letters of recommendation from employers, friends, or associates that can endorse your character and reliability
  • A copy of your credit report, if it proves your record of paying creditors on time
  • Your resume if it shows a consistent employment history; a current resume will also demonstrate that you are serious about finding new/better employment. .

How DoNotPay Can Advocate For You To Your HOA Board

If you can't find affordable legal representation, and you're uncomfortable with the process of writing a hardship letter for HOA fee arrangements, you have another option: Let DoNotPay advocate on your behalf. Here's how:

  1. Search "appeal fees" on DoNotPay, choose the Fight and Waive Fees product, and select the type of fee you want to appeal.

  2. Select the entity you want to appeal fees for and enter the details of your transaction, including an associated account if you have one.

  3. Submit your case! DoNotPay will generate the best argument for your case and make sure your fee waiver request gets sent to the merchant for processing.

That's a lot easier than penning a letter on your own!

How Else DoNotPay Can Save You Money At This Difficult Time

If you are seeking arrangements with your HOA due to financial hardship, you might also consider our services for lowering property taxes. We can also help you save money by eliminating or lowering these expenses:

eBay feesCoinbase fees
Robinhood feesPaypal seller fees
Spirit Airlines baggage feesAmerican Airlines baggage fees
Chase Bank checking account fees Etsy fees
Homeowners Association (HOA) feesShopify fees

Other Challenges DoNotPay Can Help You Solve

DoNotPay can advocate for you with these consumer issues, as well:

Find and apply for scholarshipsContact embassies and consulates
Notarize any document onlineFind and use standardized legal documents
Create passport photos at homeReduce your property taxes
Get compensated for airline cancellations and bumpsGet an online account unbanned
File a complaint against any company

Why Not Get DoNotPay On Your Side Today?

We're an affordable alternative to services, and we can help you find solutions when you need them. , and then tomorrow we can tackle other obstacles to your success.

Want your issue solved now?