It was my understanding that the first HOA fee was included in my settlement, i have to track that back. But yes, even if I owe the money (due to honest mistake, misscommunication, etc), 13 months seem a bit to long to try to collect late fees...I realized that this is a bit more complex than me missing a payment. The company that manages the condominium is a disaster...
I guess my basic question is: is there an 'expiration time' to clame a debt? Or I can come after 10 years to someone and say "you owe me'?