Board Decision Tools for Delinquency, Disputes & Foreclosure
Five board-facing decision guides — each with an embedded interactive tool — built from codified decision models covering the full HOA collections chain: escalation gate, payment plans, hardship pauses, dispute resolution, and foreclosure cost-benefit analysis.
Five decisions. Every delinquent account.
Every HOA delinquency account passes through this chain. Each node represents a codified decision with defined inputs, evaluation criteria, and required outcomes. All five published guides include an embedded interactive tool.
Each guide is a rendering of a codified decision model — a structured set of evaluation criteria, decision trees, and evidence grounded in HOA statutes (Davis-Stirling §5715/5855, NRS 116, CCIOA, Florida §720, Texas Ch. 209) and practitioner-validated processes. Every guide includes an interactive tool that runs the decision logic in real time: enter your account details, get a recommendation with the specific reasoning shown. The underlying models are versioned and updated as case law and statutes evolve.
Board decision guides
Each includes an interactive toolHOA Collections Escalation: When to Move, Hold, or Pause
The foundational board decision guide for the escalation gate: seven-step gate checker (payment plan, pause, dispute, bankruptcy, notices, waiting period, threshold), stage-by-stage requirements, pause factors, selective enforcement, and a 13-item pre-escalation checklist.
Should Your HOA Offer a Payment Plan?
The board's decision guide for evaluating payment plan requests: the four-part terms test (down payment, monthly math, duration, current assessment compliance), written agreement requirements, California §5715, second-chance plan scrutiny, and a 19-item approval checklist.
HOA Hardship Pause: When to Grant, How to Structure, and When to Deny
The board decision guide for hardship pause requests: six-factor hardship evaluator, pause vs. payment plan vs. board hold comparison, pause term requirements, the fee accrual decision (freeze / partial / full accrual), the consistency check, and a 19-item authorization checklist.
HOA Dispute Resolution: What Boards Must Do Before Escalating
Five dispute categories with investigation requirements, the six-step fine process checker (the most commonly missed procedural step in HOA lien challenges), state IDR/ADR requirements, board independence requirements, and a 19-item resolution checklist.
Should Your HOA Foreclose? The Financial Analysis Boards Must Run
A cost-benefit framework for HOA boards: nine pre-conditions, equity position analysis, cost estimation by case type, net recovery calculation, super-lien state strategy, five alternatives to foreclosure, the take-title scenario, and a 25-item authorization checklist.
Collections fundamentals, templates & state guides
Zorex's collections module enforces the decision chain in software: payment plan tracking, dispute holds, fine hearing gates, and collections stage management — with a full audit trail for every account.