articleHomeowners associations (HOAs) across the nation are reportedly taking a tougher stance on unpaid dues, pursuing foreclosure against more homeowners as communities grapple with mounting financial pressures. But as some homeowners struggle with higher living costs and mounting expenses, more associations are facing a rise in delinquent accounts. In many states, unpaid liens can eventually lead to foreclosure. Financial strain has also intensified within homeowner associations themselves. According to the Foundation for Community Association Research, 93% of surveyed associations reported increases in property and casualty insurance premiums.