The Homeowners Association dues also pay for building insurance, water, trash, common area maintenance and repair (electricity, elevator, gardener, building cleaning service), etc. The HOA had to have a special assessment to pay for repair and maintenance of the common areas, but this owner has not paid the special assessment either. One owner not paying has made it very difficult on the other four unit owners. The HOA filed a lien but the owner filed Chapter 13 bankruptcy. What else can the HOA do?