First of all – I know where your coming from. We have had this exact same problemin the past. I dont recommend ignoring the quorum requirement bcos that would jhust make your election and any other action taken during the meeting invalid. In our cases we eventually got a quorum after some choice incentives we advertised to homeowners (free food, drinks, a raffle). Perhaps you can implement somethin like that in your POA too.
Yes, it’s true. When an owner files for bankruptcy, the association can no longer collect on the assessments due to pre-filing. But bankruptcy doesn’t mean owners can stop paying their assessments forever.
When the association receives the notice of bankruptcy from the owner, your attorney should respond with a ledger of all amounts due to the association. This is the pre-petition ledger. Then you must start maintaining a post-petition ledger, which is a ledger of all amounts due to the association after the owner files for bankruptcy. If the owner again fails to pay these, you can ask the bankruptcy court to lift the automatic stay and let the association resume collection efforts.