The strategy we used is to use our junior lien to force the foreclosure as soon as possible. As many of you have said, nowadays it is not good to be a junior. By forcing the foreclosure you are speeding up the process tremendously because banks are swamped with NOD and are not proceeding to foreclosure. This is also a trick on the bank because that’s unrealized loss (or maybe uncollected interest) vs real loss on the book. Once it is foreclosed, you can start collecting HOA dues on the new owner. Banks can’t sell it until the HOA dues are current.

Granted lawyers are expensive but in the long run it will save HOA money. Also as a matter of principle, if you live here, you have to be responsible and do not expect others to take your burdens.