By Jan Bergemann

Published August 18, 2023


Everybody living in a community association should know that his/her home is collateral for any debt the association occurs. That means that an incompetent board can ruin the private finances of each owner of the association in a heart-beat!


That shows that the whole system is dangerous to the private finances of the owners. The fact that associations are governed – and ruled – by board members who mostly don’t have the knowledge and expertise to run a business makes it even more dangerous. Most board members rely on the “expertise” of community association managers – and of association attorneys – who are in business to make money – and a “peaceful” community doesn’t promise great income for these so-called service-providers. And board members should never forget that they – and all the other owners – are paying the price if the information received from these “service-providers” is wrong. These “service-providers” get paid – no matter if their info is right or wrong.


The folks paying the price for mistakes being made by the board – willing or unwilling – are the owners.


That’s why it is so important that board members attend a board member certification seminar in order to have minimum a basic knowledge what rules and statutes govern the association they try to rule.


But it’s up to the owners to make sure that the board members they elect – and put their financial welfare in their hands -- have this basic education. Don’t elect board members that sign the “stupid” affidavit still allowed in the statutes saying that they know it all. THEY DON’T!


Candidates running for office as board members can attend these seminars before being elected – and can then show you the attendance certificates before you vote for them.


Remember: KNOWLEDGE IS POWER – and the people you trust with your personal finances should have minimum a basic education – and not rely on outsiders who don’t pay for mistakes being made by the board.


Even as an owner you should just take the three hours’ time to attend such seminar in order to protect the biggest investment you made in your life: YOUR HOME!

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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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