One Homeowner.
Six Defendants.
Twenty-Two Counts.
For over fourteen years, the Prairie Pass Homeowners Association has operated under continuous developer control — without governance transfer, without accountability, and without regard for the homeowners who call it home. Unauthorized fees. Unlicensed debt collection. FDCPA violations. This is the documented account of one homeowner's fight to change that.
What Happened at Prairie Pass
Prairie Pass is a residential community in the Ooltewah/Collegedale area of Hamilton County, Tennessee. Like thousands of HOA communities across America, it was built with the promise of organized governance, maintained standards, and community investment.
The reality has been something very different.
14+ Years Without Governance Transfer
The HOA's governing documents require the developer to transfer control to homeowners. Instead, developer control has passed through a succession of entities — WPBS Investments (Haresh Patel), Prairie Pass Development LLC (Gabriel Thomas), and Steven Kip Taylor — all without homeowner notification. For over fourteen years, the people who live here have had no say in how their community is governed.
Phantom "Intent to Lien" Charges
Collection letters from Meyer & Burnett PLLC included charges of $175 and $225 described as "Intent to Lien" fees. These fees appear nowhere in the HOA's governing documents. They have no statutory basis. They were added unilaterally to inflate the amount demanded from homeowners — a practice that is both unconscionable and, when conducted by a debt collector, a violation of federal law.
Federal Debt Collection Law Broken
The Fair Debt Collection Practices Act requires debt collectors to provide specific disclosures, honor written disputes, and cease collection until the debt is verified. Meyer & Burnett's collection letters contained overshadowing language that obscured required disclosures. When the debt was formally disputed, collection activity continued — a direct violation of 15 U.S.C. § 1692g(b). These are not technicalities. They are protections Congress enacted to prevent exactly this kind of abuse.
Selby-Webb Operating Without Authority
Selby-Webb Property Management engaged in debt collection activities — sending collection communications, processing payments, adding fees — without the required debt collection license. Tennessee law regulates who may collect debts. Operating without proper licensing is not just a regulatory oversight; it calls into question the validity of every collection action taken.
Who Is Being Held Accountable
Six defendants. Each played a distinct role in the pattern of unauthorized assessments, FDCPA violations, governance failures, and unlicensed debt collection that brought us here.
This Fight Is About More Than One Homeowner
HOA abuse happens in communities across America every day. This website exists to document one homeowner's fight — and to show that the legal system, when used properly, provides real remedies for real people.
"The right of the people to petition the Government for a redress of grievances shall not be abridged."
— First Amendment, United States Constitution