Pre-action cure notice
A certified-mail notice giving the owner at least the statutory period to cure before the debt is referred to collections or an attorney or reported as delinquent.
The most rigorous Chapter 209 cure-notice pack a CAM company can send.
CureClock assembles a documentation-complete assessment-delinquency notice pack — a statute-compliant cure notice with every required element, a Deadline Ledger for every downstream statutory date, and compliance-analyst review against the Statute Checklist — checked against the letter of Texas Property Code Chapter 209 before it's released for the association to send under its own name.
Built to Texas Property Code Chapter 209, section by sectionEvery statutory deadline computed, never hand-trackedCompliance-analyst review on every fileDisputes, bankruptcy, SCRA routed to your attorneyDraft-only — the association sends every notice
Why files fail
One missing or malformed notice can forfeit the whole recovery.
An association's right to recover collection costs, the validity of its lien, and its exposure under the FDCPA all turn on statutory notices sent in the right form, in the right order, inside the right windows. Miss a cure notice, mis-time the two-step lien sequence, or malform a required element — and the association can lose collection costs, void a lien, or invite liability.
CAM companies track this by hand across dozens of files in dozens of associations, each with its own governing documents and its own delinquency roster. That is exactly where deadlines slip and gaps hide.
CureClock exists to close that gap with a single, exhaustive standard applied identically to every delinquent file.
30+ days
cure period an owner must get before collection costs are added — computed, never estimated
The benchmark
Measured against the letter of the statute — section by section.
We do not summarize the law and hope. Every pack is drafted against a versioned, attorney-reviewed state Rule Matrix tied to the exact statutory text, with an inline citation on every clause. Each file locks to the Matrix version active on its intake date. These are the provisions each pack is held to.
Pre-foreclosure cure notice
A certified-mail notice and a reasonable opportunity to cure required before any assessment-lien foreclosure sale.
Florida HOA lien notices
For Florida portfolios, the 45-day notice of intent to record a claim of lien and the separate 45-day notice of intent to foreclose — activated only after attorney review of the state's rule matrix.
Florida condo lien notices
The 30-day notice of intent to record a lien and the 45-day notice of intent to foreclose for condominium associations, sequenced on the Deadline Ledger.
FDCPA debt validation
Where a third-party collector is involved, the debt-validation notice and 30-day dispute period are treated as applicable everywhere — CureClock never contacts the homeowner, so the association keeps control of communications.
SCRA protection
A protected-servicemember indicator pulls the file out of the automated pipeline and triggers attorney escalation before any foreclosure step — never drafted around.
How a pack is built
Roster intake to compliance-analyst release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. A hard-coded date-math engine — running as code, outside the model — computes every statutory deadline. A compliance analyst reviews every file, and disputes, bankruptcy, litigation, or SCRA flags route to your attorney, never to the drafting pipeline. That order is never reversed.
01
Free Portfolio Deadline-Risk Scan
Send a delinquency roster export, the association's governing documents, and its collection policy. We return a read on which files are approaching or past a statutory deadline — no file goes unmonitored between cycles.
02
Roster extraction
AI extracts owner, unit, balance, aging, and prior-notice history into a canonical schema with a confidence score; anything below threshold is confirmed by an analyst before the Rule Matrix is retrieved.
03
Deterministic deadline math
The date-math engine computes the cure period, notice-to-notice spacing, and pre-lien waiting periods from the attorney-reviewed Rule Matrix — never left to the model. Notice N+1 cannot draft before notice N's delivery is logged.
04
Grounded notice drafting
Each cure notice, disclosure, and ledger is drafted from your roster and the retrieved statute, with an inline citation on every clause and every required element — total due, itemization, and payment-plan disclosure — present or flagged.
05
Compliance-analyst review
An analyst reviews every file against the Statute Checklist and the source roster before delivery, and routes any dispute, bankruptcy, litigation, or SCRA flag to your retained attorney rather than continuing to process it.
06
Delivery & Deadline Ledger
You receive a client-branded pack plus a Deadline Ledger for every downstream date — ready for the association to send and sign under its own name. Every lien-stage packet goes to your attorney to review and file.
The bar we hold
Rigor you can measure.
100%
Analyst-reviewed
Every file is reviewed against the Statute Checklist before delivery.
Zero-missed
Deadline guarantee (pilot)
If our Ledger causes a missed deadline on an accepted file, that pack's fee is refunded.
Attorney-reviewed
Rule Matrix per state
No state goes live until its matrix is attorney-reviewed and red-team tested.
Draft-only
The association sends
CureClock never contacts the homeowner or files a lien.
Why CureClock
Built to be the most thorough option a CAM company has.
Documentation-complete, by design
The deliverable is completeness itself — every required notice element and downstream deadline accounted for or explicitly flagged. Nothing is left to a hand-kept calendar.
Deterministic, not vibes
Every statutory deadline is computed by a date-math engine in code, never by the model, and each file locks to the Rule Matrix version active on its intake date.
In its lane, on purpose
We produce documents only. We are not a law firm or a debt collector, never contact the homeowner, and never file or record a lien — your retained attorney signs and files every lien document.
Engagement
Flat, per file or per month. Never a contingency.
Priced as a document-production and compliance vendor — never hourly, and never a cut of recovered assessments.
- A free Portfolio Deadline-Risk Scan, plus the first five pilot files free — see the workflow before you commit.
- $29–$39 per delinquent file per required notice event for a Cure Notice Pack with its Deadline Ledger and analyst review.
- $149–$199 for the full notice-to-lien-ready sequence, including a Lien-Ready Packet for your retained attorney.
- A portfolio Deadline-Monitoring retainer from $99/mo so no file goes unmonitored between billing cycles.
FAQ
Questions, answered precisely.
Is CureClock a law firm or a debt collector?
No. CureClock, a service of Your Deputy, Obuke LLC, is not a law firm, not a licensed collection agency, and does not provide legal advice. It produces documents only. At launch it is draft-only — the association or CAM company sends and signs every communication under its own name, and CureClock never contacts the homeowner.
Who files the lien?
Your retained attorney, always. CureClock assembles a Lien-Ready Packet — the ledger, all notices, proof of timing, and legal description — but never signs, files, or records a lien and never makes a foreclosure referral. Every lien-stage document goes to your attorney to review and execute.
How do you handle FDCPA and SCRA risk?
Conservatively. CureClock treats FDCPA as applicable everywhere — which is why it never contacts the homeowner directly. Any file showing a dispute, bankruptcy, active litigation, or SCRA-protection indicator is pulled from the automated pipeline and routed to your attorney rather than drafted around.
What makes a pack 'complete'?
Completeness is defined by the statute: every required notice element — total amount due, itemization, and payment-plan disclosure — present, every statutory deadline computed by the date-math engine, and a compliance-analyst review against the Statute Checklist, all before the association sends the notice.
Can you work in states beyond Texas?
Only after that state's rule matrix is independently verified against primary statutory text, attorney-reviewed, and red-team tested. Texas is live at launch; Florida, California, and Colorado are next-state candidates once their matrices clear that gate.
See which delinquent files are running out of statutory time.
Start with a free Portfolio Deadline-Risk Scan. Send a delinquency roster and governing documents and we'll flag the files approaching or past a Chapter 209 deadline — before the association loses the right to recover.
Document-production and compliance service · not a law firm or debt collector · the association sends every notice.
[PLACEHOLDER] First-cohort notice-cure completion rate — published once real pilot HOAs complete a full delinquency-notice cycle. No figure is shown before it is measured.
[PLACEHOLDER] First HOA/PM reference — added only with a named pilot client's written permission. CureClock never invents a testimonial or an association name.
[PLACEHOLDER] Total delinquency notices produced to date — a live, auditable count once real notices have shipped, never estimated.