Homeowner's Association. I was not on the title or deed and never was responsible for the HOA payments. They are trying to collect on this judgment via a collections agency who contacted my family member and embarrassed me. I have a 780 credit score and have never had a late payment in my life. Is my good credit at risk? Are my assets at risk? I think it is very unfair that I have this much stress over a property and debt that was never mine. Is this not an FDCPA violation? Please help.