Certified Manager of Community Associations (CMCA) Exam

Question 1

A homeowner is 90 days delinquent on their regular assessments. The association's collection policy authorizes the filing of a lien at this stage. What is the primary legal effect of the association filing a lien on the homeowner's property?

It forces the immediate foreclosure and sale of the property. It secures the association's debt against the property's title, making it difficult to sell or refinance without first satisfying the debt. It automatically garnishes the homeowner's wages to pay for the past-due assessments. It allows the association to immediately shut off utility services to the unit.

Correct Answer:

It secures the association's debt against the property's title, making it difficult to sell or refinance without first satisfying the debt.

Question 2

Under which of the following circumstances would a board most likely need to levy a special assessment?

To fund the scheduled repainting of the community buildings, as detailed in the reserve study. To cover the monthly cost of the community's landscape maintenance contract. To pay for a major, unbudgeted repair to the main sewer line that collapsed unexpectedly. To pay the annual premium for the association's property insurance policy.

Correct Answer:

To pay for a major, unbudgeted repair to the main sewer line that collapsed unexpectedly.

Question 3

A comprehensive, written collection policy is a critical governance tool for a community association. What is the PRIMARY reason for the board to formally adopt and consistently enforce such a policy?

To ensure the board fulfills its fiduciary duty to the association by establishing a timely and uniform process for collecting required funds. To generate extra income for the association through the aggressive application of late fees, interest, and penalties. To grant the community manager broad authority to make individual payment arrangements with delinquent homeowners. To publicly identify homeowners who are delinquent on their payments to discourage others from falling behind.

Correct Answer:

To ensure the board fulfills its fiduciary duty to the association by establishing a timely and uniform process for collecting required funds.

Question 4

An association's board has grown frustrated with several severely delinquent accounts and decides to hire a third-party collection agency. This agency will now be contacting homeowners on the association's behalf. Which federal law primarily governs the actions and communications of this collection agency?

The Fair Housing Act (FHA) The Americans with Disabilities Act (ADA) The Servicemembers Civil Relief Act (SCRA) The Fair Debt Collection Practices Act (FDCPA)

Correct Answer:

The Fair Debt Collection Practices Act (FDCPA)

Question 5

A homeowner who is several months behind on assessment payments files for Chapter 7 bankruptcy. What is the immediate effect of this filing on the association's collection efforts for the past-due amounts?

The association can accelerate the collection process and proceed with foreclosure immediately. An 'automatic stay' is imposed, which legally requires the association to halt all collection activities for the pre-petition debt. The homeowner's debt to the association is immediately forgiven, and future assessments are also waived. The association must contact the homeowner directly within 10 days to negotiate a settlement.

Correct Answer:

An 'automatic stay' is imposed, which legally requires the association to halt all collection activities for the pre-petition debt.

Question 1

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About this Exam

Prepare with the Certified Manager of Community Associations (CMCA) Exam practice quiz. This question bank includes 120 questions covering association, board, manager, community, and meeting. Use it to review important concepts, identify knowledge gaps, and build confidence for the related exam, course, or assessment.

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Certified Manager of Community Associations (CMCA) Exam

This practice set contains 120 questions from the matching question bank and focuses on association, board, manager, community, and meeting. Work through each question carefully, review the provided solutions, and revisit topics that need more study before your next attempt.

This is an independent study resource intended for practice and review; it is not an official examination or an endorsement by any organization named in the title.

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Certified Manager of Community Associations (CMCA) Exam

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