By Jan Bergemann

Published January 22, 2021


Often itís bad enough if you live under the dictatorial rule of a mandatory community association. But it gets even worse if your association is part of a master association. Then you may have two dictators running your life and your personal finances.


That creates two sets of rules that sometimes even contradict each other. And owners have to understand that the rule of a master association is not automatically the rule of the subdivision Ė and vice versa.


Nobody should ever forget the costly lawsuit that haunted  the Eagles Homeowners Association for years and ended with legal fees of more than $500,000 and a victory for the homeowner.  See: Judge: Homeowners association must pay pickup owner's legal fees.


This is by far not the only example when associations and owners couldnít agree what set of rules was valid for a certain situation. The only winners in these disputes: The attorneys!


Itís bad enough if you happen to live in one of these associations, but it gets even worse if there are two dictatorships and they fight over the issue whose rules are valid and what rules supersede the rules of the other association.


THE ONLY LOSERS: THE OWNERS, whose finances are paying for the whole nonsense.

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Jan Bergemann Jan Bergemann is president of Cyber Citizens For Justice, Florida 's largest state-wide property owners' advocacy group. CCFJ works on legislation to help owners living in community  

associations. He moved to Florida in 1995 - hoping to retire. He moved into a HOA, where the developer cheated the homeowners and used the association dues for his own purposes. End of retirement!


CCFJ was born in the year 2000, when some owners met in Tallahassee - finding out that power is only in numbers. Bergemann was a member of Governor Jeb Bush's HOA Task force in 2003/2004.


The organization has two websites to inform interested Florida homeowners and condo owners:

News Website:

Educational Website:

We think that only owners can really represent owners, since all service providers surely have a different interest! We are trying to create owner-friendly laws, but the best laws are useless without enforcement. And enforcement is totally lacking in Florida !

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