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Drafted by Claude Code for Sam · Tue May 19, 2026 11:52 AM EDT · DELETE THIS LINE BEFORE SENDING
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HOOK STREET CAPITAL
HOA Collections — Decision Due Friday May 22
Sommerset Hills — 9312 & 9332 · Di Masi Burton files #15256.2025 / #15257.2025
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Asher — I need your read on a decision with a hard Friday deadline.
On May 12, Di Masi Burton P.A. sent Joint Stipulation payment-plan agreements for both
Davenport properties — one per file. Each is a single 12-month workout per property
that bundles the delinquency plus assessments, interest, late fees, collection costs and your
counterpart's attorney's fees into one total, split into a down payment + 10 monthly payments +
a final 2027 payment (amount TBD until the 2027 budget passes).
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The plan terms
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9312 — #15256.2025 |
9332 — #15257.2025 |
Combined |
| Down payment (due May 22) | $2,804.65 | $2,804.65 | $5,609.30 |
| Monthly payment × 10 | $1,080.73 | $1,098.82 | $2,179.55/mo |
| Final 2027 payment | TBD | TBD | TBD |
| Plan total | $14,692.68 | $14,891.65 | $29,584.33 |
Both plans begin May 22, 2026. Payments run to Di Masi Burton P.A., not the Association.
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Line items in each total
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| Component | 9312 | 9332 |
| Assessments Jan–Dec 2025 @ $318 | $3,816.00 | $3,816.00 |
| Assessments Jan 2026–Apr 2027 @ $345 | $5,520.00 | $5,520.00 |
| Interest Jan 2025–Mar 2027 | $1,628.19 | $1,628.19 |
| Late fees | $700.00 | $700.00 |
| HOA collection costs | $285.00 | $285.00 |
| Attorney's fees & costs | $3,664.49 | $3,863.46 |
| Less payments received | ($921.00) | ($921.00) |
Two things stand out: the totals bundle in assessments not yet due (Jan 2026–Apr 2027),
and they carry ~$7,528 combined attorney's fees plus ~$3,256 combined interest.
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The deadline
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Both stipulations require the signed agreement returned by email AND the first payment made by
Friday, May 22, 2026. The agreements state that if the first payment is not made by May 22,
the agreement is void and the Association has instructed the firm to proceed with lien foreclosure.
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What I need from you
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Your guidance on April 24 was to pay off in full, negotiate a discount where possible, and stay
looped. Given the Friday clock, I need your call on three things:
1. Should I sign the 12-month plan as-is to stop the foreclosure clock?
2. Is it worth a fast push to negotiate the ~$7,528 attorney's fees / ~$3,256 interest, or
a discounted lump-sum payoff, before Friday — and can you realistically move that in time?
3. Is there anything in the Joint Stipulation language I should not sign without your review?
My lean: I am inclined to sign both plans to stop the foreclosure — $5,609.30 out the
door now versus a ~$29,584 lump sum — but I do not want to leave a discount on the table or
sign stipulation language blind. If you can turn this around before Friday, I will follow your
recommendation.
I can forward you both Di Masi Burton emails of May 12 with the Joint Stipulation PDFs attached —
just say the word and I will send them over.
Thank you,
Sam
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Hook Street Capital LLC · 9312 & 9332 Sommerset Hills Drive, Davenport FL 34747
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Source trail
File: outputs/2026-05-19_11-52_action_hoa-decision-asher.html
Working dir: C:\Users\ztrei\OneDrive\2. Hook Street\05. 2026 BH · repo zee78900/hookstreet-workspace · commit 286f2de
Sources: Gmail threads 19e1dd766e6b0bc3 (9312) & 19e1de72d22f6d7e (9332) — Di Masi Burton Joint Stipulation agreements, May 12 2026.
Recipient: asher@gulkoschwed.com. Draft only — Sam reviews and sends.
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