Improve Debt Collection?

How bad are the HOA's Debt Collection policy and practices?

For many months in the past, the monthly financial statements produced by CAMS carried this statement:

"Collection activity is currently conducted in accordance with Association policy."

It was a boiler-plate statement, automatically printed every month, and probably looked at by no one (except me).

The Accounts Receivable (Line 1205), as of 1/31/2026, are $703,252.57. A portion of that would be unpaid January 1st Assessments. 

As of 8/31/2025, the last monthly Financial Operating Results published on the HOA's website, the Accounts Receivable totaled $588,984.71.

No Financial Operating Results have been published on the HOA's website for September, October, November, December 2025, or January 2026.

The Association Treasurers (there were three in 2025) never mention bad debts, slow-payers, or collection activity. For years I have suggested to the Boards that there is either something wrong with the "collection activity" or the "Association policy" or both.

What are the numbers?
  • How many accounts out of 2,480 have past-due balances? 
  • How many are in collection? 
  • How many have liens? 
  • How many foreclosures are there? 
  • How much should be written off, because it will never get collected?
Those who do pay their Assessments (also known as dues or "regime fees") are carrying the Association. Why don't the Treasurers improve collections?

There is a guideline in the PRM that has been ignored for years. Art. III, §C, ¶3 Bad Debt Write-Off Procedures (Page 17), which reads "At the end of each year the Property Manager will review all delinquent property accounts to determine those accounts that are deemed to be "uncollectible".

The Finance Committee is to review the list, and then the Board is to approve it. 

Did Town & Country produce that list for the Board in January?

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