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Debt Collection for Community Finacial Stability

Community association assessments are fundamental to the functioning of the association and the financial interests of all association property owners. To ensure association and household financial stability, CAI will support:

  • Debt collection—CAI supports provisions to the Fair Debt Collection Practices Act that protect debtors from abusive practices and ensures due process while preserving the rights of private property owners to pursue delinquencies. CAI supports legislation to provide a limited exemption from the definition of “debt collector" for community association attorneys seeking to collect a bona fide debt on behalf of a client community.
  • Post-petition assessments in Chapter 13 bankruptcy proceedings—CAI will advocate for legislative changes to ensure post-petition assessments may not be discharged following a debtor's successful completion of a Chapter 13 payment plan.
  • Priority lien for collection of delinquent assessments—CAI supports efforts to preserve the Uniform Act language adopted in 21 states and the District of Columbia providing a limited priority for community association lien