I was in collections for my HOA dues. I paid the balance in June 2012. In October 2012 they called and said I had a returned check prior to my payoff and I still owed $53. I sent the payment and never heard anything again. I received a final notice letter letter April 9, 2013 informing me of a balance of $405, which includes the 2013 annual dues and the returned check fee along with late charges every month since January because of said dues. I had not received communication from them since October and I have in writing that their office has not attempted to contact me either verbally or written since then. Is it legal for them to expect me to pay late fees on annual dues that they never sent a statement for? I had been with the law office since 2010 and was not aware how the dues were billed, yet they say I just should have known. I am offering to pay them the balance that was owed on January 1, 2013 which includes the returned check fees, I feel like this is fair. Help, any advice would be great.