I am on the board of a small 40 unit condo HOA in Maryland. We have accumulated HOA fees exceeding $98K. Almost one quarter of the owners are in collections with an attorney, however he is unable to really collect substantial past due amounts due to laws that prevent him from garnishing or collecting monies from exempt sources - Social Security Income, retirement income, disability income, etc... Recorded liens have been placed but we can not foreclose due to the significant drop in housing values. What else can our HOA or lawyer do