Nationwide Community Association Collections

Real Time Resolutions, Inc. (“RTR”)
provides transparent, respectful, and effective collection services without any upfront collection or legal fees to the Association.

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Why Choose Real Time Resolutions?

Real Time Resolutions stands out from attorneys with our comprehensive approach to collections. By eliminating the requirement for the community to cover collection/legal fees upfront, we are motivated to promptly address delinquencies, ensuring swift resolutions. This approach relieves the financial burden on associations and redirects funds toward enhancing the property.

No upfront cost to the Association — homeowner pays for all collection fees and legal expenses
No cost to meet or speak with the Board of Directors
No cost for bi-monthly reporting
Dedicated client service representative
Homeowners are treated with respect and consideration
Transparent and open lines of communication
Collect on any account, no matter the size, age, or stage of delinquency
In-house compliance, recovery, bankruptcy, and legal teams
Fully managed network of local attorneys
Most accounts are recovered without litigation; litigation is used only as a last resort

How It Works

RTR takes a respectful, step-by-step approach to Association collections—focusing on resolution, not confrontation. Most accounts are recovered without litigation, and the entire process is managed by our in-house legal team and attorney network.

Customer service representatives wearing headsets working on computers in an office.

1. Validation Letter / Email to Homeowner

Initiating contact with official validation correspondence.

2. Person-to-Person Outreach and Payment Options

Direct, respectful communication to discuss payment in full and/or arrange payment solutions.

3. Legal Review

Assessing the account for necessary legal considerations if unresolved.

4. Property Analysis and Attorney Referral

In-depth property review and referral to our attorney network if needed.

5. Foreclosure Monitoring (If Necessary)

Careful monitoring of foreclosure proceedings, as a last resort.

Our Services

Comprehensive solutions for Association collections and recovery, tailored to your community’s needs.

Delinquency Collections

Empathetic and professional pursuit of past-due HOA payments.

Lien Recordation / Release

Protecting and enforcing associations’ financial interests.

Property Analysis Review

Assessing property value and equity to guide recovery strategy.

Skip Tracing

Locating hard-to-reach homeowners.

Bankruptcy & Legal Management

Handling filings and compliance, protecting association rights.

Judgment Enforcement

Pursuing court judgments and enforcing collection through legal means.

Litigation

Coordinating with local attorneys to pursue claims, as a last resort.

Foreclosure

Managing foreclosure proceedings with trusted attorneys in rare cases.

Legal Review Process

Our structured legal review ensures all actions are compliant, effective, and in the best interest of the association.

Property Analysis

Property inspection, broker opinion for value, and high-touch review.

Refer to Attorney Network

National foreclosure attorney network utilized. Demand letters issued.

Non-Foreclosure Action

Continued contact with homeowner. Possible suit for debt pursued.

Foreclosure Action and Monitoring

Foreclosure process management. Settlement options offered throughout.

RTR vs. Traditional Attorneys

See how Real Time Resolutions offers a distinct advantage for your association.

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Feature	Real Time Resolutions	Traditional Attorneys
No out-of-pocket costs to the association
No cost for teleconferencing meetings and / or consultation
No cost - transparent bi-monthly reporting
National collections footprint
Outbound phone communication starting day 1
Most accounts recovered without legal services
Attorney relationships in every state
Lower fees charged to the homeowner
Prorated settlements to maximize payment to association
Communicate with homeowner via certified mail
Intent to (pre) lien letter
File lien on property (filed by management or attorney)
Statutory intent to (pre) foreclose letter

About Real Time Resolutions

Real Time Resolutions, Inc. is a certified woman-owned business with over 25 years of experience as a nationally licensed mortgage servicer and collection company based out of Dallas, Texas. RTR employs over 250 professionals in multiple locations.

RTR has various contracts with property management companies, independent associations, money center banks, the FDIC, private credit funds, specialty finance companies, and FinTech companies. The company works in a data-secure, compliant environment and follows all federal and state regulatory requirements.