Whether or not the homeowner's association is entitled to collect association dues until a certain percentage of the complex is occupied depends upon what the recorded convenants, consitions and restrictions state on your home. As such, I recommend that you carefully read this document as a starter to assist in getting your question answered.If there are association regulations in place as well, you need to read these for the obligation by you to pay association dues. In essence, the written documents in place as to your unit will control your obligation to pay association dues and be obligated on a lien or not for them.