Reply #227: Liar. Only dictatorial HOA's operate that way

[Xithras]

There are PLENTY of HOA's that operate on a lien model. If you fall behind in your dues, the HOA files a lien against your home. Those liens prevent the homeowner from obtaining additional loans against the property and are a general pain in the ass, and the lienholders get first rights to proceeds when the homes sell. Because liens are themselves assets, HOA's can then pull loans against them to fund maintenance and improvements that the normal HOA fees would have covered. As an added bonus, interest and fees associated with the lien and loan can be passed along to the homeowner, so it ultimately costs the HOA's nothing. Quite a few HOA's have adopted this non-foreclosure model to eliminate these kinds of disputes entirely. Most HOA's, however, don't like this model because it can take decades to collect, and is considered too "hard" or "time consuming". The debt gets paid either way, but its much easier for the HOA to simply throw the family out onto the street. It's an evil, soulless, Republican thing to do, but it's easier.

Your arguments remind me of Nuremburg. "But it was my job! Those were my orders! I would have been punished if I'd refused! The law said it was OK!" We didn't accept it then either.