Our 130 unit condo association has been waging a difficult battle with bad debt. A small portion of the bad debt is truly due to a down-turned economy. The larger portion of the accounts in arrears are people who have found out how to manipulate the system and string the pain out for 2 years or more (Washington is a very liberal state). We now have one homeowner that faces bankruptcy and eventual foreclosure. She has decided that she will no longer follow rules as there is nothing further we can do to her. Fines won't work because she will just get them wiped out in the bankruptcy. Her attitude is getting nastier and she is breaking more and more rules to "get even" with the board. Has anyone else had to deal with such a problem? We face another year of her living here for free before we can even think about evicting her.