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A homeowner association (or homeowners' association [HOA], sometimes referred to as a property owners' association [POA], common interest development [CID], or homeowner community) is a private, legally-incorporated organization that governs a housing community, collects dues, and sets rules for its residents. [1]
For example, if a visitor slips on an icy walkway in a neighborhood park, the insurance coverage might pay for legal or medical fees. ... the HOA could go through the collection process and file a ...
In one example, newer infill neighborhoods built decades after the original, surrounding HOA-less neighborhood may have its own HOA but also be within the boundaries of a NA. In the United Kingdom , it is known as a residents' association (RA).
Written as a subsection of the overarching collection management policy, most collectors and cultural institutions utilize a collections policy, or selection criteria policy, in which it is outlined what purpose the collection serves, and the types of objects that are considered most relevant. The collection policy lays out the scope of the ...
Prior to the 1950s there were separate policies for the various perils that could affect a home. A homeowner would have had to purchase separate policies covering fire losses, theft, personal property, and the like. During the 1950s policy forms were developed allowing the homeowner to purchase all the insurance they needed on one complete policy.
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The Fair Debt Collection Practices Act (FDCPA), Pub. L. 95-109; 91 Stat. 874, codified as 15 U.S.C. § 1692 –1692p, approved on September 20, 1977 (and as subsequently amended), is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that ...
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