Homeowner associations struggle daily with how to pay the bills as more and more HOA fees go unpaid on housing units in or near foreclosure. That means HOA members are left holding the bag for unpaid mortgages in their communities — and end up paying higher fees or getting fewer services. The Association Law Group (ALG), which represents HOAs throughout Florida, has devised a new legal strategy to push banks to either foreclose or get out of the way. Prior to the “mortgage terminator” strategy developed by ALG, condos and HOAs could only sit passively and wait for the banks to act on foreclosures.