By Jan Bergemann

Published December 2, 2022


We hear lots of excuses nowadays since it seems that our society is unwilling to take responsibility for their own mistakes.


I am often getting e-mails and telephone calls from owners facing liens and foreclosure lawsuits.


Most often for not paying the monthly maintenance fees or special assessments. When I’m asking why they failed to pay these fees and/or assessments I often hear: “I stopped paying because …..!”


And then come the excuses:

  • “The board refused to honor my record request -- so I stopped paying!”

  •  “The board didn’t levy the assessment correctly – so I stopped paying!”

  •  “The board is using our reserve funds for other purposed than intended -- so I stopped paying!”

  • “The CAM didn’t answer my question regarding a letter about late payment I received -- so I stopped paying!”

  • The landscaper didn’t mow my lawn and I am paying the association for this service -- so I stopped paying!”



These are excuses that come back to haunt the owner at high financial cost. NEVER, EVER STOP PAYING MAINTENANCE FEES OR ASSESSMENTS – no matter how good you feel about your excuses.


You will pay dearly for your excuses – and you may even lose your home over it. You even may have a great case, but not paying money you owe to the association is absolutely the wrong approach.


Fight the association on whatever reason you had for your “excuse”, but only after you paid whatever the association claims you owe!

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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 !

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