Home Owner Associations, Condominium Associations, and Co-operatives are filing for bankruptcy at staggering rates. As property owners are unable to pay their mortgages they frequently elect not to pay their HOA, Condo or Co-op dues and what they consider less important monetary obligations.

As a result, HOA's, Condo Associations, and Co-ops are unable to pay for the expenses that they had budgeted for. Some associations pay for common area elements, plumbing, roofs and other structural aspects of properties. Several associations, primarily condominium associations and co-operatives also pay for water, gas and electric. They also pay for garbage removal.

When an association is unable to pay for roof, plumbing and other repairs further damage is caused and the whole community suffers. This can cause a further devaluation of property and poor living conditions.

I propose a nation wide priority lien law for Home Owner Associations, Condominium Associations and Co-ops. This means that the first lien holder of a property is the taxes and the second is the applicable home association. This would help create coverage for the associations when the property owner falls behind on the association dues. When the property is sold the lien is paid.

Associations in some states such as Maryland and Florida are suffering terribly because they have not been able to get a priority lien bill through. Other states, such as New Jersey have had priority lien in place for condominium associations for years and are taking steps to add coverage to HOA's.

If you reside in MD or Florida, you can click on the state name and the link will take you to the state senate. Tell your Senator that you want a priority lien law. Reach your Maryland State Senator or Florida State Senator. Tell the Senator that you want a bill written and passed that will give everyone coverage and it will not cost them a penny.

In fact, when properties are in better condition and the home sells for more and the states is able receive more in property taxes. Tell your Senator that you want a bill passed that will ensure more safety for your community and good living conditions. These are common sense bills that need to be passed. Don't let banking and mortgage lobbyist be the only ones that have the ear of the Senators. Take a stand for your neighborhood, take a stand for yourself. If you do not like the where our lifestyle and economy are headed, then do something about it.

If you don't live in one of the states mentioned, then please find out what the law is in your state. A simple email to your State Senator will get you the response. Do an Internet search for 'your state state senate' . For example, I was able to find Maryland State Senators contact information on the above link by typing a Google search 'Maryland State Senate'. I chose the third result which was Senator by name. This allowed me to give you with a link that help you reach your Senator.

Once you have determined whether or not the state in which you reside has a priority lien, please take the time and drop a note to me on my on the priority lien blog. I will keep track of all of them, along with your suggestions and comments.

If there is another cause that you would like consideration for or a law passed, drop me a note via the blogReal Estate Search and Sale LLC Blog. I will research and consider it for promotion, through articles, press releases, social media marketing and more marketing and advertising sources, via www.netmarketingsource.com. Our advertising and marketing partner, who help make this article possible.

Priority Lien should be your first priority.

Priority Lien