By Jan Bergemann

Published July 10, 2020


I guess many of you still remember the FORECLOSURE CRISIS in 2007/20078 and I really donít think that we might want history to repeat itself.


It was an absolute disaster and many good property owners suffered serious financial losses, because associations were totally unprepared to deal with the sudden loss of revenue caused by unpaid dues.


I donít think we will see a similar disaster again, because the failure of many owners to pay their monthly dues in a timely manner was this time caused by health issues, not by economic issues, and it looks like our economy will quickly recover as soon as the Pandemic is over!


If you are one of the owners having problems to meet your financial obligation to your association, please make sure that you stop the foreclosure intentions of your association in a timely manner. Falling behind in your dues is bad enough, but having outrageous attorney fees added to your debts may finally make it impossible for you to finally pay the unpaid dues, late fees and interest.


Contact your association as soon as you realize that there might be a problem with paying your dues. Agree to a reasonable payment plan: Itís actually in the best interest of both parties: You and the association!


Remember: There is really no good legal defense against unpaid dues Ė absolutely NONE! And if you wait until the associationís foreclosure lawyer adds his/her fees to the collection procedures, you will have to pay multiple times the amount you actually owe in unpaid dues.


Donít wait too long: YOU MAY LOOSE YOUR HOME!

HTML Comment Box is loading comments...
Jan Bergemann Jan Bergemann is president of Cyber Citizens For Justice, Florida 's largest state-wide property owners' advocacy group. CCFJ works on legislation to help owners living in community  

associations. He moved to Florida in 1995 - hoping to retire. He moved into a HOA, where the developer cheated the homeowners and used the association dues for his own purposes. End of retirement!


CCFJ was born in the year 2000, when some owners met in Tallahassee - finding out that power is only in numbers. Bergemann was a member of Governor Jeb Bush's HOA Task force in 2003/2004.


The organization has two websites to inform interested Florida homeowners and condo owners:

News Website:

Educational Website:

We think that only owners can really represent owners, since all service providers surely have a different interest! We are trying to create owner-friendly laws, but the best laws are useless without enforcement. And enforcement is totally lacking in Florida !

Join the 

CCFJ Email List

For Email Marketing you can trust