In a perfect world, owners pay assessments in full and on time. Unfortunately, delinquent assessments are a reality and a burden for many associations, making it difficult for associations to work within their budgets and provide necessary services to owners. The world of collecting assessments is fraught with uncertainty and involves the unpleasant prospect of taking hurtful action against a neighbor who may have sympathetic reasons to not pay. We understand that collecting past-due assessments is one of the most difficult and unpleasant tasks homeowners associations and association managers must face. We work closely with boards to make decisions on all stages of collection actions, from an initial letter to the owner through foreclosure of the home, if necessary. We help associations balance the risks and avoid legal pitfalls involved in any collection action, while recognizing individual owner hardships may not make rigid adherence to a collection policy reasonable. We help Boards establish clear collections policies which comply with their governing documents and which can be enforced promptly and consistently, while allowing flexibility when necessary. This reduces the number of collection actions in an association and increases the success of those actions.