Lots have been said and asked about the wisdom of working with delinquent owners in community associations, and allowing them to catch up using payment plans.  Some see it as a kind and wise decision and advocate that it is the correct approach.  Others seem to feel that it is unfair, and if a member of the association cannot pay on time they should be out.  Still others are convinced that most people who engage in payment plans wind up “falling off the wagon” and don’t finish up making the association whole.  My take on the subject simply is to consider the alternative.