"I believe it is more complicated than you think"

Stop drinking the Kool Aid. It is a really easy process. OPA initiates law suits against a large number of its members for silly reasons like no lattice on a porch or an unregistered car in the driveway. I do not know of any suit filed against an owner for delinquent assessments. Our documents allow for the OPA to:

"publish the names of members who shall fail to pay charges made by the Association; to sue to collect any of such charges as are not paid; to impose a lien against any real estate in the subdivision that is owned by the delinquent member of the Association for any such charge as is not paid when due; and to foreclose any such lien."

To the best of my knowledge the filing of the lien is about all OPA does in a majority of the cases.

Marty