By Jan Bergemann

Published August 7, 2020


Yes, we will see foreclosures and evictions in Florida’s community associations. The Chinese Virus caused the economy minimum partially to collapse and many families lost their income,


But, make no mistake: It will be nothing like in 2007/2008 when the economy and the real estate market totally collapsed. Florida is a retirement state and a majority of retirees don’t rely on income from employment. Social security continued paying – so did annuities – and we seniors even received $ 1,200.00 on top of it – with less chances to spend the money.


But despite the fact that Governor Ron DeSantis extended the Eviction and Foreclosure Moratorium until Sept. 1, 2020 we will see evictions and foreclosures in the Community associations.


But it will be important for board members and attorneys/CAMs to use common sense when dealing with unpaid maintenance dues. Give families in need time to recover from the effects of COVID-19, without hitting them with unreasonable collection fees.


We are all in it together and we should all act accordingly. Board members should allow reasonable payment plans and not allow attorneys to quickly add huge legal fees to these unpaid dues.


If we all act reasonably we should be able to avoid a foreclosure disaster like we saw twelve years ago.

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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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