Writing "under protest" is absolutely meaningless.
Plus, there is nothing anywhere that says you have to pay before you can sue.
If somebody sends you a bill for 1000 and you disagree with you can immediately sue for the 1000, go to court, prove you don't owe it, and ask for a declaratory judgment that you don't owe it.
Where people make their mistake is that they don't have a clue as to how to do that. They argue, dispute, and complain while the other party (the HOA, tax dept, creditor) is already taking steps to collect the debt.
Then they end up paying after all the damage is done.
- The right of the people
- to keep and bear arms,
- shall not be infringed.