I would guess it will vary by state laws. How about a force liquidation of all tenants in common properties and any other joint properties to pay off the HOA d

I would guess it will vary by state laws. How about a force liquidation of all tenants in common properties and any other joint properties to pay off the HOA debts and disband the HOA's. Maybe even treat it much like a chapter 11 bankruptcy / reorg? Or get investors to pick up properties? There must be cases of HOA's being force disbanded / dissolved in the past to use as a template. I think it's just a majority vote from home owners and submission of articles of dissolution? If enough properties could be liquidated then a good incentive could be giving home owners back a few years of dues. As a bonus all the over-zealous rules that have grown over the decades get dissolved and people just default to county and state laws.