Repost in the Minnesota Avvo section. I foubt the HOA is a debt collector within the meaning of the FDCPA.
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The real question you should be asking is how do they claim to have completed service against you if you were out of state? Improper service would invalidate the action. Contact a lawyer in Minneapolis.
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You should find a Minnesota attorney to vacate the judgment against you either on basis of the statute of imitations or other grounds.. You could have a judgment against you depending on what you signed. Theoretically what you signed was part of the complaint that formed the basis for the judgment. The HOA is probably only collecting on its own account and therefore not a debt collector under FDCPA but more details would be needed to besure that is the case.
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