There are over 65 million Americans living in Community Associations in the United States. Even in good times payments can be late or even ignored and that is not fair to the good paying owners in an association.  Maintenance fees are critical to keeping up the condition of a community association and therefore directly affect the quality of life in a condo or HOA.  Owners who have decided not to pay or even owners who pay late are hurting associations and creating shortfalls that result in increased maintenance fees or reduced services.  Its not actuarially fair because everybody has to pay their fair share.  So what is a community association supposed to do when the money is not coming in on time or not coming in at all?