Dear members of the Senate Business and Labor Standing Committee,  I would like to express my agreement with Senate Bill 153.  I am a member of three boards for Home Owner Associations.  One of the major financial problems we have run into is banks that sit on properties in foreclosure.  Sometimes they take up to two years to foreclose on a property.  Meanwhile no one is paying the HOA dues.  Then they foreclose and our liens on the properties are wiped out.  We in the meantime cannot foreclose on them because many of these properties have loans that are more than the value of the property.  Also, the laws on foreclosure for HOA liens are not favorable to the HOA's.  I ask that you push this bill through to make it more fair for HOA's and to encourage banks to do their jobs.  Thanks, Ken Cahoon  Washington County.