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(MSN)   "You sold my house for $288 in HOA fees?" "Well, maybe if you bothered to open one of the 30 notices we'd sent you or read the contract you signed when you bought the house, you wouldn't have this problem"   (news.msn.com) divider line 308
    More: Followup, HOA, homeowners associations, debt settlement, Community Associations Institute, fees  
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16746 clicks; posted to Main » on 08 Jan 2014 at 9:25 PM (28 weeks ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



308 Comments   (+0 »)
   
View Voting Results: Smartest and Funniest
 
2014-01-08 07:50:25 PM
This story is the gift that keeps on giving- every few weeks somebody new 'discovers' it and it shows up again on Fark. It's like the eternally regifted fruitcake of news.
 
2014-01-08 07:50:42 PM
HOA THREAD!!!
 
2014-01-08 08:06:48 PM
Oh good, both parties are being idiots.  Carry on.
 
2014-01-08 08:17:09 PM
If you buy into a place that has a HOA, you deserve absolutely everything you get.
 
2014-01-08 08:21:59 PM
What should happen to HOAs when the revolution comes:

s3.amazonaws.com
 
2014-01-08 08:28:11 PM
H to the Izzo. A to the...

A, I guess.
 
2014-01-08 08:34:33 PM
The length of your grass affects my property values!!!
 
2014-01-08 08:58:06 PM

hardinparamedic: What should happen to HOAs when the revolution comes:

[s3.amazonaws.com image 490x315]


The revolutions already happened when corporations got personhood.
 
2014-01-08 09:30:15 PM
"For six years, Ingrid Boak, who travels a lot for work as a racehorse trainer, ignored mail from her homeowner association. "

Wow, she isn't just a dumbass.    She is a super dumbass.
 
2014-01-08 09:30:40 PM

hardinparamedic: What should happen to HOAs when the revolution comes:

[s3.amazonaws.com image 490x315]


I hope that pic represents the dumbshiats who buy into HOAs.
 
2014-01-08 09:32:11 PM
Sorry, the first she heard about it wasn't when a "hand-written note was tacked to her door." The amount of paper that has to be sent to or served on a defendant to take their property can be measured in pounds.

The HOA is being a complete dick; but she gets no sympathy from me because she couldn't open her mail.
 
2014-01-08 09:32:38 PM
welcome to the NEW and IMPROVED 'merica
 
2014-01-08 09:32:54 PM
HOAs are for those that look at all the laws and rules in America and boldly say "No, that's not enough, I need more people to have authority over me"
 
2014-01-08 09:33:16 PM
I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.
 
2014-01-08 09:34:39 PM
img.fark.net
 
2014-01-08 09:34:41 PM

ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.


Agreed. Place a farking lien on it you shiatbags
 
2014-01-08 09:35:20 PM

ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.


or just keep a tab open, document everything very well, and take your cut when the house is eventually sold.

There. no evictions, and the HOA gets paid.
 
2014-01-08 09:36:00 PM

Gyrfalcon: she gets no sympathy from me because she couldn't open her mail.


Then you'e a farking idiot.
 
2014-01-08 09:36:24 PM
For the land of the free, we certainly love forcing bullshiat rules and costs on people.

Fark HOAS, ruined rural living for me. I could of had a pony!
 
2014-01-08 09:37:21 PM
I think the hoa president would end up missing.
 
2014-01-08 09:37:38 PM
The action path of recourse shouldn't be foreclosure. Thats like a cop pulling someone over for speeding and then shooting them in the face as soon as they walk up to the car.
 
2014-01-08 09:37:41 PM
I.have never seen such a good reason to burn a house.to.the ground. There! Take your 288$ worth of house! Farkem!
 
2014-01-08 09:37:48 PM
Hate to agree with an HOA but she had plenty of notice. She just chose to ignore them.
 
2014-01-08 09:37:55 PM

you are a puppet: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

Agreed. Place a farking lien on it you shiatbags


This.

 Also, how the fark can they legally take a home worth $120,000 for $288?

 Seems like they owe her $119,712...

/she should sue
 
2014-01-08 09:38:32 PM

Caffienatedjedi: For the land of the free, we certainly love forcing bullshiat rules and costs on people.

Fark HOAS, ruined rural living for me. I could of had a pony!


*twitch*
 
2014-01-08 09:38:37 PM

you are a puppet: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

Agreed. Place a farking lien on it you shiatbags


(That's where foreclosure starts. Then if the homeowner continues to ignore them, they may collect the judgement.)
 
2014-01-08 09:38:59 PM

PainInTheASP: Oh good, both parties are being idiots.  Carry on.


I agree with this but when all is said and done she is merely retarded while HOA's are evil. In any sane world these clauses would be contracts of adhesion and null ab inito. But we live in America, not sanity.
 
2014-01-08 09:40:06 PM
Eh. I loathe homeowners' associations, but six years of not opening any of the HOA's mail? Six years behind on payments that not only maintain the stuff she "didn't use," but the streets, signage, community-owned open space and the like. She owed a small amount, and foreclosure seems extreme, but I'm having trouble finding my give-a-fark.
 
2014-01-08 09:40:46 PM

slotz: [img.fark.net image 297x170]


i1.ytimg.com
/Life is like a box of chocolates...
 
2014-01-08 09:41:14 PM
Hoa's are still evil and this kind of contract should be forbidden in the US.
 
2014-01-08 09:41:34 PM
What exactly happens if you refuse to sign the contract they offer?
 
2014-01-08 09:41:36 PM

TinyFist: Caffienatedjedi: For the land of the free, we certainly love forcing bullshiat rules and costs on people.

Fark HOAS, ruined rural living for me. I could've had a pony!

*twitch*


Ah man, I'm a derp. Long day. FTFM
 
2014-01-08 09:41:36 PM
She refused to pay $4/month?  Why?  I've never heard of an HOA with fees that low.

And, though the article fails to mention it, I assume the HOA sold the house, took their money, settled the mortgage, and sent her a check with the balance of the money so she should at least have her equity back.

I can understand why nobody will giver her a loan now.  They know she'll ignore notices and warnings until they have no choice but to activate the nuclear clause of their contract with her.
 
2014-01-08 09:42:23 PM

cuzsis: you are a puppet: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

Agreed. Place a farking lien on it you shiatbags

This.

 Also, how the fark can they legally take a home worth $120,000 for $288?

 Seems like they owe her $119,712...

/she should sue


they are going to do that to the wrong person sometime and we're going to read about a mass murder of all HOA board members.

/no great loss.... should be an interesting thread though.
 
2014-01-08 09:43:07 PM

HAMMERTOE: What exactly happens if you refuse to sign the contract they offer?


sale is terminated.
 
2014-01-08 09:43:10 PM
Our little HOA Frail Old Women Nazis have a tough time with me.

Every little thing they try to poke me with, I look up in the original condo docs that I signed 15 years ago, three condo association management companies ago, and either don't find whatever it is they think it is, or prove whatever else it is wrong.  Then spend the two dollars on certified letter to management company directly.

The shiat comes running back downhill.  They glare.  Sometimes I smirk, mostly I ignore.  We've actually started to get along mostly lately.

Don't try to outsmart the computer guy that works from home in the front room and can see 75 percent of the condo grounds without moving.  It doesn't work out for you.

/next house won't have HOA
 
2014-01-08 09:44:00 PM
Enjoy, dumbass. You signed the contract.

99.99% of people on Earth live without an HOA.
 
2014-01-08 09:44:01 PM

Gyrfalcon: you are a puppet: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

Agreed. Place a farking lien on it you shiatbags

(That's where foreclosure starts. Then if the homeowner continues to ignore them, they may collect the judgement.)


Or they can wait, and continue to hold the lien. Rather than foreclose on a $120,000 house to satisfy a $288 debt.
 
2014-01-08 09:44:03 PM

AbiNormal: hope that pic represents the dumbshiats who buy into HOAs.


Been at this a number of times.  A bunch of cities/towns/counties have made it mandatory that any developer wanting to develop on reasonably small lots have to do so with an HOA.  The HOA in turn provides commons area maintenance, recreation facilities, sometimes even security.  Save on taxes, pay more on HOA fees, which in theory the homeowner has more direct influence over, but in reality has a lot less to do with representative democracy than a township.

TL;DR: For middle and lower-middle class homeowners, there often isn't a real choice when deciding whether to buy a house in HOA territory.  It's "buy this HOA house you can afford, or continue to rent."
 
2014-01-08 09:44:11 PM
Because she didn't use the clubhouse or pool, or participate in social activities sponsored by the association, she didn't think she needed to pay.


cdn.business2community.com
 
2014-01-08 09:44:14 PM
I used to work for homeowner associations.  I've come to hate HOAs, HOA board members, and people who refuse to pay HOA dues with a passion, as a result.

That said, $48 dollars a year sounds like a hell of a good deal for fees, even if you were not using the pools or social outlets.  Though you know what is an even better deal?  Not living in an HOA controlled place.
 
2014-01-08 09:45:36 PM
ruined my credit in my 1st marriage but when its fixed and I can get a house.  It will not be in a HOA. Those who buy a house in a HOA have no idea what owning a house if for.  A house/land is there for your enjoyment.  If you are worried that if the person next to you puts up a tree house for their kid or pants their house some weird color is going effect the value of your land,  You shouldn't own the land/house.  When I can get a place and I want to do something to the property to make it more enjoyable for me and my family, I will make sure it done in line with town/state laws and such.  But if the people around me come and say please don't do that cause it going lower their property value I going say to bad.
 
2014-01-08 09:46:33 PM
thumbs3.ebaystatic.com

Check mail = Mail überprüfen
 
2014-01-08 09:48:19 PM
Let's keep this short and to the point -- fark HOAs.
 
2014-01-08 09:48:20 PM
"For six years, Ingrid Boak, who travels a lot for work as a racehorse trainer, ignored mail from her homeowner association."

I stopped reading there.  I live in a development with an HOA.  I pay $200.00 a year.  I get upkeep on all the common ground, storm drains, snow removal, and a few other minor perks.  I was informed of this when we put a bid on the house.

Really don't have a problem with them, and this woman is an idiot.  If the HOA waited 6 years, they have been more than fair to her.
 
2014-01-08 09:49:23 PM
Ours is $300/mo.  Going to $400/mo.

When some of the units don't pay, the missing amount is split onto the other units.

Yes there are multiple foreclosure proceedings.  Yes the HOA atty fees go back to the units.

/landofthefree
 
SVX
2014-01-08 09:49:50 PM
Like anything else, it comes down to the people involved.  The wife was on our old townhouse association board for a number of years, and I thought she was nuts.  The pure amount of crap those people had to put up with, and the chasing after dollars was a lot of fun.

Then this douchebag got himself elected to the board somehow.  He was the tax and spender, he advocated raising assessments over 15% per year (he ended up getting 8%), and after a few years of that, the board got enough residents to sandbag his ass at the yearly proxy vote.

Moral of the story, all it takes is one D-bag who likes power a little too much, and it instantly make hundreds of people miserable and pissed off.  And, should you have a whole group of them, you're screwed.
 
2014-01-08 09:50:16 PM
I'm all in favor of sending shi??y neighbors packing. You would too if you'd ever suffered a shi$$y neighbor.

It's a good system when used properly. The comunity polices itself and has a method to drive away the worst elements.

Places like Detroit would be better off if the animals livjng there were capable of such self social regulation. They aren't so they devolve to ruin and then blame those that won't give them more to waste.

/that is all.
 
2014-01-08 09:51:15 PM

Mugato: The length of your grass affects my property values!!!


Well since they can't get rid of you for the color of your skin any more, they got to find something.
 
2014-01-08 09:51:29 PM

AbiNormal: hardinparamedic: What should happen to HOAs when the revolution comes:

[s3.amazonaws.com image 490x315]

I hope that pic represents the dumbshiats who buy into HOAs.



Not all HOA's are evil. I realize they aren't for everyone but mine works for me.
 
2014-01-08 09:51:53 PM

Some Coke Drinking Guy: I used to work for homeowner associations.  I've come to hate HOAs, HOA board members, and people who refuse to pay HOA dues with a passion, as a result.

That said, $48 dollars a year sounds like a hell of a good deal for fees, even if you were not using the pools or social outlets.  Though you know what is an even better deal?  Not living in an HOA controlled place.


Meh.  So far, my HOA has bee pretty reasonable.  The dues are around $20 per month.  The only time I've ever heard from them was when I had a little bit of rotted wood on a window sill I don't usually notice.  I fixed it.  Haven't heard from them again in several years.

People were parking on the street in such a way that it blocked emergency vehicle access.  That pissed me off.  Everyone got a letter in the mail about it.  Hasn't happened again since.
 
2014-01-08 09:52:03 PM
I own a place in a gated community with an HOA and love it. I love it, love it, love it so much I wish it were a Japanese groom and I were its bride and it was our wedding night and we had pineapple cake at the reception.

HOAs are a wonderful way to replace the carte blanche authority so many governments have granted themselves with a customized mini-town that reflects the vales you want in a community. My HOA does a superb job of keeping out the riff raff and keeping the place looking nice and tidy. It looks like goddamned Wally and the Beaver live across from me, and that's the way I like it.  If I wanted to live in a Benetton commercial I'd move to New York City or some other overrated urban hellhole.

If I want to exercise my second amendment rights or experience freedom I head out to the desert and pop off some rounds or go hiking in the wilderness. But when I'm home I want peace, quiet, and security and thank God for the HOA for providing that. I just wish government would keep its nose out of our business and let us run our communities the way we like. Mandatory wheelchair devices for the pool?  WTF, leave that leftist stuff out of the curb with the illegals and the Jehovah's Witness recruiters.
 
2014-01-08 09:52:50 PM
Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?
 
2014-01-08 09:53:10 PM

LemSkroob: The action path of recourse shouldn't be foreclosure. Thats like a cop pulling someone over for speeding and then shooting them in the face as soon as they walk up to the car.


That would NEVER happen!
 
2014-01-08 09:53:37 PM
Why is it that HOAs seem to be heavily concentrated in low IQ states like Kentucky and Virginia?

In our state we have this thing called "exempt property" which no matter what trouble you have in your life, and someone comes after you for debts, your house is exempt up to some reasonable amount of money.
 
2014-01-08 09:54:33 PM

Ashyukun: This story is the gift that keeps on giving- every few weeks somebody new 'discovers' it and it shows up again on Fark. It's like the eternally regifted fruitcake of news.


There's other possible explanations:

1. She has more than one house, and each house is in a separate HOA.
2. She owns more than one house in the same HOA, and didn't pay the dues on any of them.
3. The dark admins have no way of keeping track of past stories.
 
2014-01-08 09:54:39 PM

LemSkroob: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

or just keep a tab open, document everything very well, and take your cut when the house is eventually sold.

There. no evictions, and the HOA gets paid.


K. What do you tell the plow guy, landscaper, road repair guy, insurance company, HOA lawyer, et cetera? "Well, we'd like to pay you, but a third of our members aren't paying their dues and we're waiting for them to sell so they can settle their tabs. We'll pay you then."

That's the whole point of the vile things. Towns promote them to get out of paying for Public Works, the HOA's promise private roads in good repair, well maintained facilities (pool, gym, small park, whatever) in exchange for dues. The money has to be coming in consistantly and everyone has to be paying their share or the whole thing unravels.
 
2014-01-08 09:54:40 PM
This is why you stay involved with your HOA or community council.  Generally, the people that shouldn't be in charge are while the people that could handle the responsibility are out enjoying life.  HOAs are useful to provide some kind of normalcy and maintenance to your neighborhood.  Unfortunately, the horror stories come when the power hungry start creating bad policy without much resistance so they can then create worse policy.
 
2014-01-08 09:55:55 PM
I guess I don't much care about the homeowner in the article.

I normally hate HOAs.

However, in my business, we send documents to people constantly.  They always act as if they did not receive them.  They are 99% full of shiat.

Even then, once they acknowledge that they have the doc, if they do what they were supposed to, the problem goes away.  Again, 99% don't.
 
2014-01-08 09:56:07 PM

EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?


Check the rules for service of process in your state
 
2014-01-08 09:56:58 PM
Okay I know that Fark likes to hate on HOAs, and some HOAs deserve the hate. But I've been president of one HOA and member of two others. The thing to remember is that it's a HOME-OWNERS association. If you own a home in the neighborhood you're a voting member of the association. The HOA isn't a group of aliens who get their jollies trying to fark you over. It's a group of volunteers from your own neighborhood who are devoting their own personal time and effort to make the neighborhood, if not better, at least not worse.

An HOA is a fine example of small-town democracy. Don't like what the HOA is doing? Go to a meeting. Volunteer. Get on the board. It isn't hard. In my experience the HOA boards are run by a handful of folks who only do it because nobody else will. They'd love to have folks who want to do the work.

In my experience the people who don't like HOAs just want the benefit of living in a nice neighborhood without having to do anything to contribute. And that's fine. Don't participate. Don't contribute. But don't complain when the people who are participating and who are contributing make decisions that you don't like.

Don't like HOAs? Don't move to a neighborhood that has one. When you buy a house they have to tell you that your neighborhood has one before you commit. It's not like they spring it on you after you move in.
 
2014-01-08 09:57:04 PM
An HOA presiding over 120,000 dollar house? There are trailers that cost more than that.
 
2014-01-08 09:57:13 PM

you are a puppet: EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?

Check the rules for service of process in your state


Have a look at the adultery statute as well while you're at it
 
2014-01-08 09:57:31 PM
The former homeowner is an idiot. The HOA is not at fault here, no matter how much you weirdos want them to be.
 
2014-01-08 09:57:32 PM
They knew what they were getting into!

/I'll sell you my $288 home though
//for $50k
 
2014-01-08 09:57:56 PM
bronyaur1: If you buy into a place that has a HOA, you deserve absolutely everything you get.
 
2014-01-08 09:57:57 PM

Headso: HOAs are for those that look at all the laws and rules in America and boldly say "No, that's not enough, I need more people to have authority over me"


that they're sick of selfish, narcissistic assholes who don't obey the laws and rules in America today; who let their dogs bark all night long and think nothing of playing loud music until 5 AM during the work week.  The cops are too busy to deal with this shiat, and assholes don't change even if asked nicely.  So the HOA helps keep them out, or under control.

/FTFY
 
2014-01-08 09:58:21 PM

EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?


Did she send that notice registered mail?  If so, then she's got a leg to stand on.
 
2014-01-08 09:58:58 PM

EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?



It is a complicated issue and I would need more details before I could give an opinion.


Let me see a picture of her tits.
 
2014-01-08 09:59:17 PM

jumac: ruined my credit in my 1st marriage but when its fixed and I can get a house.  It will not be in a HOA. Those who buy a house in a HOA have no idea what owning a house if for.  A house/land is there for your enjoyment.  If you are worried that if the person next to you puts up a tree house for their kid or pants their house some weird color is going effect the value of your land,  You shouldn't own the land/house.  When I can get a place and I want to do something to the property to make it more enjoyable for me and my family, I will make sure it done in line with town/state laws and such.  But if the people around me come and say please don't do that cause it going lower their property value I going say to bad.


This is what HOAs are for.  What you don't realize is that you're the bad guy in your story.  You're the person who is such an unreasonable asshole neighbor that people came up with the idea of HOAs.

If your neighbors can give you a compelling, logical reason for why you shouldn't do something on your property, the appropriate response is not, "To[sic] bad."

The HOA contract I signed just has reasonable things like requiring us to submit all paperwork and plans to the HOA prior to making any changes/additions to our property to ensure we have done all the required steps, such as land survey, permits, etc.  HOAs aren't ALL bad.  It's all about the people who set it up.

The best part is that they practically have to beg people to be on the board.  None of us want to be bothered by it.  That's the best kind of person to put in charge.  You only run into problems when you get a person who WANTS the power.  We all just encourage each other not to be assholes.
 
2014-01-08 09:59:23 PM

worlddan: PainInTheASP: Oh good, both parties are being idiots.  Carry on.

I agree with this but when all is said and done she is merely retarded while HOA's are evil. In any sane world these clauses would be contracts of adhesion and null ab inito. But we live in America, not sanity.


How do you know legal Latin terms but do not know that the plural of HOA does not contain an apostrophe?!

/primal scream
//AAAUUUUUUUGGGGGHHHHH
 
2014-01-08 09:59:39 PM

kregh99: "For six years, Ingrid Boak, who travels a lot for work as a racehorse trainer, ignored mail from her homeowner association."

I stopped reading there.  I live in a development with an HOA.  I pay $200.00 a year.  I get upkeep on all the common ground, storm drains, snow removal, and a few other minor perks.  I was informed of this when we put a bid on the house.

Really don't have a problem with them, and this woman is an idiot.  If the HOA waited 6 years, they have been more than fair to her.


She is a Horse Trainer; this makes money for people with racing interests. She MUST travel.
 
2014-01-08 10:00:37 PM

jumac: ruined my credit in my 1st marriage but when its fixed and I can get a house.  It will not be in a HOA. Those who buy a house in a HOA have no idea what owning a house if for.  A house/land is there for your enjoyment.  If you are worried that if the person next to you puts up a tree house for their kid or pants their house some weird color is going effect the value of your land,  You shouldn't own the land/house.  When I can get a place and I want to do something to the property to make it more enjoyable for me and my family, I will make sure it done in line with town/state laws and such.  But if the people around me come and say please don't do that cause it going lower their property value I going say to bad.


The cognitive dissonance is strong with this one.

/I'll do it if the state forces me to
//but fark you, neighbors
 
2014-01-08 10:00:42 PM

eatin' fetus: worlddan: PainInTheASP: Oh good, both parties are being idiots.  Carry on.

I agree with this but when all is said and done she is merely retarded while HOA's are evil. In any sane world these clauses would be contracts of adhesion and null ab inito. But we live in America, not sanity.

How do you know legal Latin terms but do not know that the plural of HOA does not contain an apostrophe?!

/primal scream
//AAAUUUUUUUGGGGGHHHHH


Well the latin was misspelled too
 
2014-01-08 10:02:48 PM

jst3p: EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?


It is a complicated issue and I would need more details before I could give an opinion.


Let me see a picture of her tits.


I'm going to allow this. Counsel, please hand me the photo, which I'm entering as Exhibit XXX
 
2014-01-08 10:03:27 PM

HindiDiscoMonster: cuzsis: you are a puppet: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

Agreed. Place a farking lien on it you shiatbags

This.

 Also, how the fark can they legally take a home worth $120,000 for $288?

 Seems like they owe her $119,712...

/she should sue

they are going to do that to the wrong person sometime and we're going to read about a mass murder of all HOA board members.

/no great loss.... should be an interesting thread though.


Well as long as the murderer sends "plenty of notice" I think most people will be fine with it. 

/at least that's the vibe I get from some people on here.
 
2014-01-08 10:03:45 PM

you are a puppet: eatin' fetus: worlddan: PainInTheASP: Oh good, both parties are being idiots.  Carry on.

I agree with this but when all is said and done she is merely retarded while HOA's are evil. In any sane world these clauses would be contracts of adhesion and null ab inito. But we live in America, not sanity.

How do you know legal Latin terms but do not know that the plural of HOA does not contain an apostrophe?!

/primal scream
//AAAUUUUUUUGGGGGHHHHH

Well the latin was misspelled too


Shouldn't that be "nihil", not "null"?

/IANAL
//but IAAC
 
2014-01-08 10:04:14 PM
Idiot.

/still hate HOAs
 
2014-01-08 10:04:30 PM

FrancoFile: EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?

Did she send that notice registered mail?  If so, then she's got a leg to stand on.


She went to the HOA office gave them a notice in person - she paid the fees for several months with checks with the right address, and once the attorneys got involved they sent everything to the right address

She could have paid the back fees...they weren't that much, she didn't know it was being turned over to attorneys, now she has almost 4 grand in fees for less than 500 bucks in back payments
 
2014-01-08 10:04:40 PM
She likens the experience to her father's in East Germany, where the communist state took away property rights. "Now I'm 75, and the same thing is happening to me, in America," she says. With her once-good credit damaged, she is unable to buy another house, and now rents her old one from the new owner for $900 a month.

Yes, failing to live up to contractual obligations you voluntarily entered into when purchasing your home is  exactly the same as the Soviet takeover of East Germany.
 
2014-01-08 10:05:41 PM

cuzsis: HindiDiscoMonster: cuzsis: you are a puppet: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

Agreed. Place a farking lien on it you shiatbags

This.

 Also, how the fark can they legally take a home worth $120,000 for $288?

 Seems like they owe her $119,712...

/she should sue

they are going to do that to the wrong person sometime and we're going to read about a mass murder of all HOA board members.

/no great loss.... should be an interesting thread though.

Well as long as the murderer sends "plenty of notice" I think most people will be fine with it. 

/at least that's the vibe I get from some people on here.


Sometimes people don't see the point in differentiating between what is legal and what is just. But yeah, this thread has Milgram experiment written all over it.
 
2014-01-08 10:06:34 PM
If HOAs are so cash poor and struggling maybe some of them are open to releasing the covenants on individual properties with in it for a sufficiently large premium.
 
2014-01-08 10:07:39 PM
i.imgur.com

I still think of this every time I hear HOA. I'm still sure to HOA's, this plays out less like a horror/comedy episode and more like wishful thinking.
 
2014-01-08 10:08:19 PM

EffervescingElephant: FrancoFile: EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?

Did she send that notice registered mail?  If so, then she's got a leg to stand on.

She went to the HOA office gave them a notice in person - she paid the fees for several months with checks with the right address, and once the attorneys got involved they sent everything to the right address

She could have paid the back fees...they weren't that much, she didn't know it was being turned over to attorneys, now she has almost 4 grand in fees for less than 500 bucks in back payments


She has a divorce attorney, yes?  He ought to be able to handle this.  Mgmt company screwed up and a lawyer-to-lawyer talk should get them to back down.
 
2014-01-08 10:09:14 PM

cuzsis: Also, how the fark can they legally take a home worth $120,000 for $288?

Seems like they owe her $119,712...


They don't keep all the money - just the fine + the cost of forcing a foreclosure. Of course, if she had a mortgage to pay, the rest of the money would go to the bank to pay the mortgage. Since the house is usually sold at auction for a lot less than it's worth, the former owner is on the hook for the remainder. In her case, it's $30,000.
 
2014-01-08 10:10:15 PM

you are a puppet: EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?

Check the rules for service of process in your state



Thanks...i will check into that - that's a good idea - appreciate it
 
2014-01-08 10:10:17 PM
Yeah, she's an idiot.

People not honoring their commitments.
 
2014-01-08 10:13:07 PM
I love the fact that my San Diego-area neighborhood isn't run by a HOA. Want to paint your house florescent green or purple? Go for it. Leave your palm trees wrapped in Christmas lights year round? Yep, that's me. Xeriscape the shiat out of your lawn or, hell, don't even mow it? Cool. I love the fact that funkiness runs rampant where I live. Then again, it's sunny and 70 degrees virtually year 'round and I can walk to the beach, so I really don't care. I suppose that's the attitude of most people here.
 
2014-01-08 10:14:49 PM
I have an HOA. It covers the airport in my back yard and 100mbit Internet. Fees are cheaper than buying internet myself per month.The only thing banned are horses, they don't seem to be compatible with airplanes and an airport community. Other than that I can do whatever I want. I can unload a 75 round drum of my ak47 right from my front porch. no one blinks. The first week I moved in the HOA guys invited me out onto the strip at night to spotlight pigs and armadillos and take care of them. Everyone has acreage and what rules there are are not really enforced and there's too few people as permanent residents to make a quorum so the HOA is basically defunct, but everyone mostly still pays fees because they can't get anything else even close, cheaper.
 
2014-01-08 10:16:47 PM
i pay quite a bit for my HOA, 320 a quarter, but for that we get a really nice park with a couple lakes stocked for fishing, a boat house with canoes, paddle boats and sail boats to take out. An excercise center with tons of machines, a lap pool, a small water park.. we get quite a bit out of it. i don't really mind paying for it. and yet conceptually im against the whole thing, and next time around im looking for no HOA.
 
2014-01-08 10:17:13 PM

czei: 3. The dark admins have no way of keeping track of past stories.


www.reactiongifs.com
 
2014-01-08 10:17:40 PM

LemSkroob: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

or just keep a tab open, document everything very well, and take your cut when the house is eventually sold.

There. no evictions, and the HOA gets paid.


This is what our county does.  When you are an old fart you can apply to have your property taxes delayed until you sell it.
 
2014-01-08 10:17:41 PM

drumhellar: They don't keep all the money - just the fine + the cost of forcing a foreclosure.


this. fark has been flooded with too many uneducated people lately. they have no understanding of basic civil law.
 
2014-01-08 10:17:43 PM
While I think that force-selling a home over $300 when they could have put a lien on the property is a crappy thing to do, I can't really get past the point that she is trying to compare this experience to East Germany taking away property rights.

East Germany did not send people 30 notices of being late to pay over a course of 6 years.  East Germany took whatever they wanted for whatever purpose the government chose.

She failed to pay your bills or bother to open your mail after moving into a neighborhood with an HOA.  There are so many steps along the way that she could caused this to never occur, no matter how unjust that such a thing is possible for an HOA to do - I am certainly in the camp who feels that the worst they should be able to do is sue you for the amount owed, plus legal fees, and put a lien on your property (or a wage garnishment, or whatever other legal options that they may have to collect.)

I don't think she should have lost her home over $300.  I do think that she is completely delusional about what actually just occurred to her, though.
 
2014-01-08 10:20:01 PM
LOL at a bunch of apartment dwellers lashing out at HOA's. You pay hundreds a month to follow rules and don't even have any equity to show for it
 
2014-01-08 10:21:28 PM

JoieD'Zen: kregh99: "For six years, Ingrid Boak, who travels a lot for work as a racehorse trainer, ignored mail from her homeowner association."

I stopped reading there.  I live in a development with an HOA.  I pay $200.00 a year.  I get upkeep on all the common ground, storm drains, snow removal, and a few other minor perks.  I was informed of this when we put a bid on the house.

Really don't have a problem with them, and this woman is an idiot.  If the HOA waited 6 years, they have been more than fair to her.

She is a Horse Trainer; this makes money for people with racing interests. She MUST travel.


Yep.

For YEARS she ignored the notices because she thought it was voluntary and she wasn't using the common elements (hint: that is never a defense.  Try not paying part of your property tax because you don't visit the parks) so she didn't call anyone or write letters or DOUBLE check her closing paperwork.  She ignored everything.
 
2014-01-08 10:21:29 PM

oldwolf49: welcome to the NEW and IMPROVED 'merica


I bet you're one of those people that fails out of highschool and then blames McDonald's for not paying you enough.

Cause and effect is a real thing. It's not some mystery beyond comprehension.
 
2014-01-08 10:21:47 PM
sHiat OuttA luck
 
2014-01-08 10:25:13 PM
Nail the HOA for theft.
 
2014-01-08 10:25:28 PM

drumhellar: cuzsis: Also, how the fark can they legally take a home worth $120,000 for $288?

Seems like they owe her $119,712...

They don't keep all the money - just the fine + the cost of forcing a foreclosure. Of course, if she had a mortgage to pay, the rest of the money would go to the bank to pay the mortgage. Since the house is usually sold at auction for a lot less than it's worth, the former owner is on the hook for the remainder. In her case, it's $30,000.


Agreeing to sell the house for less than it was worth is their problem/stupidity. It doesn't change what the house was worth as an asset to both the bank the homeowner. And that was made by a professional assessment by the county and/or bank when she bought the house. This means they essentially "stole" money from her. And it was a hell of a lot more than $288.

Perhaps she can sell their houses now?

 It would be like if someone took your car, sold it for $12 and gave you the $12 as "payment" for the car. Pretty sure you'd throw their ass in jail for felonious theft, yes?

 /I'm not saying the home owner isn't stupid, she definitely is, but in this case the HOA is the greater of the two....by a lot.
 
2014-01-08 10:26:36 PM

FrancoFile: EffervescingElephant: FrancoFile: EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?

Did she send that notice registered mail?  If so, then she's got a leg to stand on.

She went to the HOA office gave them a notice in person - she paid the fees for several months with checks with the right address, and once the attorneys got involved they sent everything to the right address

She could have paid the back fees...they weren't that much, she didn't know it was being turned over to attorneys, now she has almost 4 grand in fees for less than 500 bucks in back payments

She has a divorce attorney, yes?  He ought to be able to handle this.  Mgmt company screwed up and a lawyer-to-lawyer talk should get them to back down.



Yea...her divorce is final. All of this happened after the divorce was finalized, it was only a few months of missed payments, she was unemployed for a short spell and couldn't afford them. So no lawyer...we were trying to figure out if there was a way to fight this without one, we just cant afford one right now. She has tried to speak to the HOA, hell they all live in her building, they wont speak to her - she has tried to speak to the lawyers, in person, on the phone and in writing - they will not speak to her either.

I think we are just going to have to eat this one
 
2014-01-08 10:27:33 PM
More I hear about HOAs the more I like my property in a small town with 15 acres.
 
2014-01-08 10:27:59 PM
All of you HOA fellating douches make me sick.

/never owned a home. You're all farked.
 
2014-01-08 10:28:02 PM

cuzsis: drumhellar: cuzsis: Also, how the fark can they legally take a home worth $120,000 for $288?

Seems like they owe her $119,712...

They don't keep all the money - just the fine + the cost of forcing a foreclosure. Of course, if she had a mortgage to pay, the rest of the money would go to the bank to pay the mortgage. Since the house is usually sold at auction for a lot less than it's worth, the former owner is on the hook for the remainder. In her case, it's $30,000.

Agreeing to sell the house for less than it was worth is their problem/stupidity. It doesn't change what the house was worth as an asset to both the bank the homeowner. And that was made by a professional assessment by the county and/or bank when she bought the house. This means they essentially "stole" money from her. And it was a hell of a lot more than $288.

Perhaps she can sell their houses now?

 It would be like if someone took your car, sold it for $12 and gave you the $12 as "payment" for the car. Pretty sure you'd throw their ass in jail for felonious theft, yes?

 /I'm not saying the home owner isn't stupid, she definitely is, but in this case the HOA is the greater of the two....by a lot.


Try not paying your car payment and see what happens.
 
2014-01-08 10:28:04 PM

you are a puppet: cuzsis: HindiDiscoMonster: cuzsis: you are a puppet: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

Agreed. Place a farking lien on it you shiatbags

This.

 Also, how the fark can they legally take a home worth $120,000 for $288?

 Seems like they owe her $119,712...

/she should sue

they are going to do that to the wrong person sometime and we're going to read about a mass murder of all HOA board members.

/no great loss.... should be an interesting thread though.

Well as long as the murderer sends "plenty of notice" I think most people will be fine with it. 

/at least that's the vibe I get from some people on here.

Sometimes people don't see the point in differentiating between what is legal and what is just. But yeah, this thread has Milgram experiment written all over it.


Indeed.

/which is creepy as fark honestly.
 
2014-01-08 10:29:04 PM

Derwood: LOL at a bunch of apartment dwellers lashing out at HOA's. You pay hundreds a month to follow rules and don't even have any equity to show for it


Heh, that was just sad
 
2014-01-08 10:30:00 PM
I swear to god I will pistol whip the next person who says "HOA's"
 
2014-01-08 10:30:04 PM
I have two houses in a HOA area, I am getting a kick out of these replies to burn HOA!!! Actually if she didn't ignore her letters and calls, she would of paid the $300 and all would of been well.
 
2014-01-08 10:31:29 PM

Headso: HOAs are for those that look at all the laws and rules in America and boldly say "No, that's not enough, I need more people to have authority over me"


Only dumbasses and wannabe nazis buy into HOAs so I have no sympathy for them or their dumbass fascist ways
 
2014-01-08 10:33:04 PM

cuzsis: you are a puppet: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

Agreed. Place a farking lien on it you shiatbags

This.

 Also, how the fark can they legally take a home worth $120,000 for $288?

 Seems like they owe her $119,712...

/she should sue


The article didn't say, but this is what I'm going to assume happened: The HOA foreclosed and sold the home at auction. At auction, it could have gone for 20,000 or it could have gone for 100,000... it doesn't say. The owner probably got the remainder after the HOA fees were taken out, but if she had a mortgage, it probably didn't cover it. At the end of the day, I doubt she is $120,000 in the hole. I bet she is more between $20,000 and $60,000 in the hole.
 
2014-01-08 10:33:22 PM

Nightjars: She failed to pay your bills or bother to open your mail after moving into a neighborhood with an HOA.  There are so many steps along the way that she could caused this to never occur, no matter how unjust that such a thing is possible for an HOA to do - I am certainly in the camp who feels that the worst they should be able to do is sue you for the amount owed, plus legal fees, and put a lien on your property (or a wage garnishment, or whatever other legal options that they may have to collect.)


i guess the question is, what options did they have? is the HOA's only legal recourse to foreclose? i'm not sure they would have the power to garnish wages, and putting a lien doesn't solve the problem (paying for the plow guy/road repairs/park/pool whatever.)
 
2014-01-08 10:33:28 PM

eatin' fetus: /primal scream
//AAAUUUUUUUGGGGGHHHHH


And I can't believe that you can't recognize a tpyo when you see one.

/yikes, I did it agian
//adn again
//I'll stop now.
 
2014-01-08 10:33:55 PM

Fast Talkin Fanny: Don't like HOAs? Don't move to a neighborhood that has one.


Fair enough...

/ I'm too "rural" to be a good fit in one, anyways
 
2014-01-08 10:35:37 PM

drumhellar: They don't keep all the money - just the fine + the cost of forcing a foreclosure. Of course, if she had a mortgage to pay, the rest of the money would go to the bank to pay the mortgage. Since the house is usually sold at auction for a lot less than it's worth, the former owner is on the hook for the remainder. In her case, it's $30,000.


Oh, see, I got bored when they started going over the history of HOAs. Glad to see my guess what right.
 
2014-01-08 10:35:43 PM
No one on the HOA could have called her? My condo management company sends me two letters a year; one announcing the annual meetting and one telling me the results of the annual meeting. Those I open immediately. Any other ones I open & read right at the mailbox. It ain't hard.
 
2014-01-08 10:37:37 PM

Misconduc: I have two houses in a HOA area, I am getting a kick out of these replies to burn HOA!!! Actually if she didn't ignore her letters and calls, she would of paid the $300 and all would of been well.


If you just let your pimp rape you, he won't have to choke a biatch.
 
2014-01-08 10:37:50 PM

Sudlow: No one on the HOA could have called her?


She couldn't have opened her pounds and pounds of mail?
 
2014-01-08 10:38:42 PM

HAMMERTOE: What exactly happens if you refuse to sign the contract they offer?


The contract is basically a rider attached to the title on the property. If you don't sign the contract, then you haven't signed the title, and the sale doesn't exist.

jaytkay: Enjoy, dumbass. You signed the contract.

99.99% of people on Earth live without an HOA.


Incorrect. The article claims that 63 million Americans do. Assuming 7 billion people on Earth, that's about 0.9% of the planet, assuming no one else in the world does.

Anyhow, I could make the claim that anyone who rents is an even bigger dumbass. Since they have a landlord, they have even less control over where they live (and thus their life in general) than someone in an HOA does. Of course, that being said, when I look for an actual house to buy, I'm going to prefer non-HOA communities. That just wasn't feasible in my price range when I bought my current place.
 
2014-01-08 10:39:41 PM

eatin' fetus: I swear to god I will pistol whip the next person who says "HOA's"


elder-geek.com
 
2014-01-08 10:39:56 PM
www.byelii.com
 
2014-01-08 10:40:10 PM
HOA or not this seems illegal. It's like selling you a can of Coke and the "contract" says if you don't pay the $0.50 within 3 days your home is now owned by Coca-Cola.  Uh, no...
 
2014-01-08 10:40:24 PM

Misconduc: I have two houses in a HOA area, I am getting a kick out of these replies to burn HOA!!! Actually if she didn't ignore her letters and calls, she would of paid the $300 and all would of been well.


Would it of? Would it really of?
 
2014-01-08 10:40:53 PM

MNMarkPW: cuzsis: drumhellar: cuzsis: Also, how the fark can they legally take a home worth $120,000 for $288?

Seems like they owe her $119,712...

They don't keep all the money - just the fine + the cost of forcing a foreclosure. Of course, if she had a mortgage to pay, the rest of the money would go to the bank to pay the mortgage. Since the house is usually sold at auction for a lot less than it's worth, the former owner is on the hook for the remainder. In her case, it's $30,000.

Agreeing to sell the house for less than it was worth is their problem/stupidity. It doesn't change what the house was worth as an asset to both the bank the homeowner. And that was made by a professional assessment by the county and/or bank when she bought the house. This means they essentially "stole" money from her. And it was a hell of a lot more than $288.

Perhaps she can sell their houses now?

 It would be like if someone took your car, sold it for $12 and gave you the $12 as "payment" for the car. Pretty sure you'd throw their ass in jail for felonious theft, yes?

 /I'm not saying the home owner isn't stupid, she definitely is, but in this case the HOA is the greater of the two....by a lot.

Try not paying your car payment and see what happens.


That's different. As the person collecting is the one who owned the property originally. Just like a bank foreclosing on the home that you agreed to pay for. Technically it's their property until you pay off the note.

 It's when a non-owner attempts to take the property and sell it for less than it's worth that you can argue for theft.
 
2014-01-08 10:41:00 PM
HOAs have to be the most useless organizations ever. They only benefit the banks by making sure housing prices don't fall.
 
2014-01-08 10:41:28 PM

Mugato: Derwood: LOL at a bunch of apartment dwellers lashing out at HOA's. You pay hundreds a month to follow rules and don't even have any equity to show for it

Heh, that was just sad


I live in an HOA, and it's no big deal. It just cracks me up how every HOA thread turns into mouth-frothing from a bunch of people who don't live in them

/I know, I know, Welcome to Fark
 
2014-01-08 10:41:40 PM

worlddan: eatin' fetus: /primal scream
//AAAUUUUUUUGGGGGHHHHH

And I can't believe that you can't recognize a tpyo when you see one.

/yikes, I did it agian
//adn again
//I'll stop now.


A typo? No, it's severe retard syndrome.

Used to be able to ignore the apostrophe thing. Thought it would resolve itself over time. False.

Used to not even notice. Now if I'm reading some comment, and some internet tard uses an apostrophe wrong, it causes physical pain. It makes me angry. It stops me dead in my track's.
 
2014-01-08 10:42:14 PM

EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?


She had the postal service forward her mail?
 
2014-01-08 10:43:05 PM

FrancoFile: EffervescingElephant: FrancoFile: EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?

Did she send that notice registered mail?  If so, then she's got a leg to stand on.

She went to the HOA office gave them a notice in person - she paid the fees for several months with checks with the right address, and once the attorneys got involved they sent everything to the right address

She could have paid the back fees...they weren't that much, she didn't know it was being turned over to attorneys, now she has almost 4 grand in fees for less than 500 bucks in back payments

She has a divorce attorney, yes?  He ought to be able to handle this.  Mgmt company screwed up and a lawyer-to-lawyer talk should get them to back down.


Would be my advice, only don't let the divorce attorney deal with it unless he/she also knows about property laws (they are different animals). It could be that getting her own attorney involved will convince the attorneys to back down--I guarantee the management company has not given them the whole story (unless they are bottom-sucking lampreys themselves). Unless your girlfriend is being a deadbeat, there's no way a $500 collection should equal $4000 in legal fees.

Make sure she has all her correspondence to and from the HOA, including the request not to send any more mail to her old address (I hope it was in writing), and any contact between her and them once she retains counsel should only be made by her lawyer. I am not an attorney, and I am not her attorney, so I'm not giving legal advice, but her best bet is to offer to pay the back fees only AFTER the attorney contacts their attorney. Don't get roped into promises before it's all legal-like.
 
2014-01-08 10:44:11 PM

cuzsis: MNMarkPW: cuzsis: drumhellar: cuzsis: Also, how the fark can they legally take a home worth $120,000 for $288?

Seems like they owe her $119,712...

They don't keep all the money - just the fine + the cost of forcing a foreclosure. Of course, if she had a mortgage to pay, the rest of the money would go to the bank to pay the mortgage. Since the house is usually sold at auction for a lot less than it's worth, the former owner is on the hook for the remainder. In her case, it's $30,000.

Agreeing to sell the house for less than it was worth is their problem/stupidity. It doesn't change what the house was worth as an asset to both the bank the homeowner. And that was made by a professional assessment by the county and/or bank when she bought the house. This means they essentially "stole" money from her. And it was a hell of a lot more than $288.

Perhaps she can sell their houses now?

 It would be like if someone took your car, sold it for $12 and gave you the $12 as "payment" for the car. Pretty sure you'd throw their ass in jail for felonious theft, yes?

 /I'm not saying the home owner isn't stupid, she definitely is, but in this case the HOA is the greater of the two....by a lot.

Try not paying your car payment and see what happens.

That's different. As the person collecting is the one who owned the property originally. Just like a bank foreclosing on the home that you agreed to pay for. Technically it's their property until you pay off the note.

 It's when a non-owner attempts to take the property and sell it for less than it's worth that you can argue for theft.


It's not at all different. You sign a contract for each saying that, in the event of delinquency, you grant authority for the creditor to repossess your property.

This took 6 years of her ignoring notices of the lien and delinquent payment before she lost her house. These type of things don't just happen on a whim to unsuspecting people.
 
2014-01-08 10:44:51 PM

Derwood: Mugato: Derwood: LOL at a bunch of apartment dwellers lashing out at HOA's. You pay hundreds a month to follow rules and don't even have any equity to show for it

Heh, that was just sad

I live in an HOA, and it's no big deal. It just cracks me up how every HOA thread turns into mouth-frothing from a bunch of people who don't live in them

/I know, I know, Welcome to Fark


No, it's just sad that you have to call everyone who doesn't like HOA's "apartment dwellers" and lord over them your awesome real estate choices.

/condo dweller
// wouldn't live in an HOA if it was free
 
2014-01-08 10:45:10 PM

SurfaceTension: HOAs have to be the most useless organizations ever. They only benefit the banks by making sure housing prices don't fall.


By that logic, they do protect values to the benefit of the owner...
 
2014-01-08 10:46:46 PM
Why do I read these HOA stories.   Now I want to go find these people and slap them silly..
 
2014-01-08 10:46:55 PM

SurfaceTension: HOAs have to be the most useless organizations ever. They only benefit the banks by making sure housing prices don't fall.


Doesn't that benefit also extend to the homeowner?
 
2014-01-08 10:47:31 PM

EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?


Should have used registered mail?
 
2014-01-08 10:49:47 PM

alice_600: More I hear about HOAs the more I like my property in a small town with 15 acres.


Wow. 15 acres? That's a really small town!
 
2014-01-08 10:51:08 PM
A friend of mine is on the board of a 300 unit condo association. Some of the homeowners haven't paid in years and owe 4- and 5-figure sums. That money is needed to pay for the upkeep and amenities of the property. What do you anti-HOA types propose they do, let everyone else pay their share and just let the deadbeats slide forever?
 
2014-01-08 10:51:11 PM

Mugato: Derwood: Mugato: Derwood: LOL at a bunch of apartment dwellers lashing out at HOA's. You pay hundreds a month to follow rules and don't even have any equity to show for it

Heh, that was just sad

I live in an HOA, and it's no big deal. It just cracks me up how every HOA thread turns into mouth-frothing from a bunch of people who don't live in them

/I know, I know, Welcome to Fark

No, it's just sad that you have to call everyone who doesn't like HOA's "apartment dwellers" and lord over them your awesome real estate choices.

/condo dweller
// wouldn't live in an HOA if it was free


>:(
 
2014-01-08 10:51:44 PM

jst3p: SurfaceTension: HOAs have to be the most useless organizations ever. They only benefit the banks by making sure housing prices don't fall.

Doesn't that benefit also extend to the homeowner?


Well that's their sole argument for their rules, their precious property values, which they extend to mean that they'r affected by the grass being a centimeter too high or the color of your house not suiting them.

/not exaggerating, saw an old bag with a ruler coming around to everyone's lawn in my dad's neighborhood
 
TWX
2014-01-08 10:51:57 PM
HOAs can be disbanded.

HOAs can be disbanded.

Admittedly this is not an easy process, requires at least half of the property owners to agree (and could require an even higher percentage) and could cause municipal taxes to increase if the city ends up taking over public spaces.

We looked at a house in a sixteen property development, still partially unsold. We were almost ready to offer on it, but then we decided to read the entire HOA rules, and found 48 pages of restrictions, and that's not even getting into possible extra rules. There was a 'disband the HOA' clause, but it required something like over 60% of owners to agree, and since the unsold plots still were owned by the developer and counted as a vote each (and likely against) it looked unlikely that the HOA could be terminated in any practical sense. We decided to not offer on it.

We found another house, less than a quarter-mile away, admittedly 30 years older, but bigger, with the detached workshop built with the house when it was new, with no HOA, and only eight pages of CC&Rs, with simple rules that are city-enforced, not HOA enforced, and are simple and fairly reasonable. Things like HVAC components are not to be roof-installed. One is not allowed to operate an automobile repair business at home. That sort. The only one that I am less happy with is a prohibition on non-TV antennas, but given the problems in the late seventies with the CB craze this isn't a surprise. It does mean I have to be more creative with my ham radio gear, but I have some ideas that will work. Either way, basically someone has to report a problem to the correct department at the city in order for the city to then follow up and possibly send a warning, and the only warning I'm aware of was for someone that did install HVAC on the roof, and the city allowed them to install a concealing wall to hide it from being visible instead of requiring it to be removed, so the situation is not really unreasonable.
 
2014-01-08 10:57:39 PM
FtA: The condo in question is having to levy a $70,000 special assessment against each resident to restore the building.

Boak, who lost about $30,000 on the value of her house because of the foreclosure, said she didn't want to lose any more on a lawyer sinking ship.

She came out ahead... and maybe a bit wiser.
the buyer may soon regret his investment, 70 k per unit could easily mushroom into 120 k per unit when they discover all the mushrooms in the attics.

If you're in a HOA that can levy for any repairs... Bail out!
 
2014-01-08 10:58:42 PM

Mugato: jst3p: SurfaceTension: HOAs have to be the most useless organizations ever. They only benefit the banks by making sure housing prices don't fall.

Doesn't that benefit also extend to the homeowner?

Well that's their sole argument for their rules, their precious property values, which they extend to mean that they'r affected by the grass being a centimeter too high or the color of your house not suiting them.

/not exaggerating, saw an old bag with a ruler coming around to everyone's lawn in my dad's neighborhood



HOAs are like a gay marriage. Don't like one don't be in one, but mine works for me.
 
2014-01-08 11:00:52 PM

Mugato: The length of your grass affects my property values!!!


I like when defenders of HOAs show up here and pretend that if they don't submit to draconian measures that their neighbors will paint their house purple and put cars permanently up on blocks.

I belong to an HOA and they have never hasseled me over anything other than taking a while to fix my wall after a storm broke it when I was out of town. I can't imagine belonging to one where everything is controlled for property values.
 
2014-01-08 11:01:49 PM

LemSkroob: The action path of recourse shouldn't be foreclosure. Thats like a cop pulling someone over for speeding and then shooting them in the face as soon as they walk up to the car.


I think that's standard practice in Detroit...
 
2014-01-08 11:03:12 PM
Somebody signed an agreement without reading it? There may be consequences (no matter how shiatty)? Go figure.

"Shana, they bought their tickets. They knew what they were getting into. I say, let 'em crash."


cdn.hark.com

/ hotter than heck
// loves UCC Cases
/// reads all EULAs
//// not really
// slashies
 
2014-01-08 11:03:27 PM

LemSkroob: The action path of recourse shouldn't be foreclosure. Thats like a cop pulling someone over for speeding and then shooting them in the face as soon as they walk up to the car.


The house is the security for the lein, which was incurred because she ignored every notice and never paid. She also must have ignored the legal notices of the foreclosure and sale. She had it in her power to put a stop to this at many points and didn't. After 6 years and scores of notices, I don't blame the HOA for getting fed up.
 
2014-01-08 11:03:51 PM

Derwood: I live in an HOA, and it's no big deal. It just cracks me up how every HOA thread turns into mouth-frothing from a bunch of people who don't live in them



I've never lived in an HOA, and I intentionally bought remote farmland to eliminate the possibility of living in one).

When a developer moved in next door, I ignored their multiple requests, which eventually turned into legal threats, to force me to join their HOA.

And recently, the HOA land was re-surveyed in such a way that it included several acres of my property, during which time they poisoned my well and tried to have my house condemned. They did fix the deed after I took them to court, but they wrote the new deed in such a way that most of my property is now under HOA rule, complete with $250/month dues, which my lawyer says I have to continue paying until the judge orders them to remove that clause form the deed (and it's unlikely I'll get a refund).

But please, tell me how blissful my life will be now that my home has been forcibly taken over by a HOA. From my point of view, I'm getting all the usual BS and none of the benefits.
 
2014-01-08 11:04:24 PM

bronyaur1: If you buy into a place that has a HOA, you deserve absolutely everything you get.


It's kind of hard to avoid sometimes. If you live in the SF Bay Area, and you aren't a multi-millionaire who can afford a house with land, you're going to have to buy a condo or townhouse, and that means an HOA which owns the common areas.

The good news is that, generally speaking, California is more consumer-friendly than some other states, so I would hope the law only allows the HOA to put a lien on your deed rather than sell out from under you.
 
2014-01-08 11:05:17 PM

Gyrfalcon: FrancoFile: EffervescingElephant: FrancoFile: EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?

Did she send that notice registered mail?  If so, then she's got a leg to stand on.

She went to the HOA office gave them a notice in person - she paid the fees for several months with checks with the right address, and once the attorneys got involved they sent everything to the right address

She could have paid the back fees...they weren't that much, she didn't know it was being turned over to attorneys, now she has almost 4 grand in fees for less than 500 bucks in back payments

She has a divorce attorney, yes?  He ought to be able to handle this.  Mgmt company screwed up and a lawyer-to-lawyer talk should get them to back down.

Would be my advice, only don't let the divorce attorney deal with it unless he/she also knows about property laws (they are different animals). It could be that getting her own attorney involved will convince the attorneys to back down--I guarantee the management company has not given them the whole story (unless they are bottom-sucking lampreys themselves). Unless your girlfriend is being a deadbeat, there's no way a $500 collection should equal $4000 in legal ...


I think I'm going to call someone tomorrow...thanks. Last month the atty fees were like 2700.00...she called today to get a payout amount and they told her it would be 3700.00 - She is not being a deadbeat. She was just trying to difer any un-needed payments during a short period of unemployment. Then a lien was nailed up on her door. The association president lives next door, and the rest of the board lives down stairs, she sees them every day. Had she known it was dire, she could have and would have borrowed the money to pay it.
 
2014-01-08 11:05:40 PM
I like my HOA.  When banks foreclosed on houses, the HOA is the one that kept the banks from letting those go to shiat.  They were ruthless on bankowned properties that otherwise would have been disasters.  It only took a drive through non-HOA communities showed the difference.

/we also vote out the retard types that try to create stupid rules.  The HOA does a few things: make owners keep up their front yards, including bank owned houses.  Maintain the community parks.  Make sure everyone pays dues, including bank owned.  That's it.  Occasionally we get the member that wants ridiculous parking enforcement or stupidity but they are voted out.  Non-HOA areas got bank-owned properties that had no maintenance, dead or weed lawns and swamp pools.
 
2014-01-08 11:06:15 PM

jst3p: HOAs are like a gay marriage. Don't like one don't be in one, but mine works for me.


Well I'm not in one. But I don't think my dad knew the level of meddling would be involved. And this is a guy who keeps his property immaculate and "up to code". There's just a Stepford Wives/ that neighbor next door from the Bewitched family thing that wasn't necessarily in the contract he signed. But he already has that wife of his keeping him on a leash so he's used to it.
 
2014-01-08 11:06:21 PM

jst3p: Mugato: jst3p: SurfaceTension: HOAs have to be the most useless organizations ever. They only benefit the banks by making sure housing prices don't fall.

Doesn't that benefit also extend to the homeowner?

Well that's their sole argument for their rules, their precious property values, which they extend to mean that they'r affected by the grass being a centimeter too high or the color of your house not suiting them.

/not exaggerating, saw an old bag with a ruler coming around to everyone's lawn in my dad's neighborhood


HOAs are like a gay marriage. Don't like one don't be in one, but mine works for me.


No choice around here. Every development in the last 30 years has an HOA.

And yes, I live in one.
 
Ant
2014-01-08 11:08:42 PM

toadist: "For six years, Ingrid Boak, who travels a lot for work as a racehorse trainer, ignored mail from her homeowner association. "

Wow, she isn't just a dumbass.    She is a super dumbass.


It still doesn't warrant having her home taken.
 
2014-01-08 11:09:03 PM

TOSViolation: If your neighbors can give you a compelling, logical reason for why you shouldn't do something on your property, the appropriate response is not, "To[sic] bad."


That's the problem... there is no "compelling, logical reason" unless that reason involves the potential destruction of other peoples' property. "Don't set your house on fire because the one next door might burn down" is a good example. "Don't let your grass get dry in a farking drought because we don't like the way it looks" is not.  If you're not paying my mortgage, and you're not a city, town state or federal official that I have given permission and power to over such matters, you can just jump up your own ass and suffocate.

I work hard for my money.
That money is used to pay my mortgage.
"My neighbors" are in no way involved with that transaction.
Therefore, they have no say in what I do with what I bought.
That is all.
 
2014-01-08 11:10:43 PM
and now rents her old one from the new owner for $900 a month


PROFIT?
 
2014-01-08 11:15:35 PM
Never, ever, ever buy a house with a homeowners association controlling it because they are staffed by precisely the sort of venal, greedy, control freak little sh*tstains that you envision HOAs being staffed by.
 
2014-01-08 11:16:18 PM
I have said it before and i will say it again HOAs should be allowed to foreclose on houses over failure to pay dues, and nor should be be forced to join an HOA  when you buy a house.

Joining an HOA should be a choice you make after buying a house not one your forced to make to buy the house you desire.

This could have been avoid if the HOA council sent someone over and talked to the woman and explained the problem for going full douchebag and foreclosed on a house for less than $300.
 
2014-01-08 11:17:15 PM
farking criminal.
 
2014-01-08 11:18:49 PM

JoieD'Zen: kregh99: "For six years, Ingrid Boak, who travels a lot for work as a racehorse trainer, ignored mail from her homeowner association."

I stopped reading there.  I live in a development with an HOA.  I pay $200.00 a year.  I get upkeep on all the common ground, storm drains, snow removal, and a few other minor perks.  I was informed of this when we put a bid on the house.

Really don't have a problem with them, and this woman is an idiot.  If the HOA waited 6 years, they have been more than fair to her.

She is a Horse Trainer; this makes money for people with racing interests. She MUST travel.


Well, unless she was gone each and every day for the past SIX YEARS, she can travel her happy ass to the mailbox and read her farking mail. And then she should pay her farking bills just like everyone else has to do.
 
2014-01-08 11:20:05 PM
Still confused by how a person could have it together enough to buy a house, but be witless enough not to read anything that comes with it?...
 
2014-01-08 11:23:52 PM

vodka: HOA or not this seems illegal. It's like selling you a can of Coke and the "contract" says if you don't pay the $0.50 within 3 days your home is now owned by Coca-Cola.  Uh, no...


When you buy a home in a HOA, there is full disclosure of the CC&R's. This is the stuff you are supposed to read and understand before you sign all that pile of paperwork at the close of escrow.

My HOA gave me several options on payment: coupon book, online payment, automatic withdrawal from checking account. If it was important to the former home owner, I am sure it would not have come to this.
 
2014-01-08 11:24:48 PM

twiztedjustin: and now rents her old one from the new owner for $900 a month


PROFIT?


900 is probably much less than she'd pay if her mortgage payment was saddled with an additional 70-120 k repairs fee & assoc property tax rise.
 
2014-01-08 11:27:36 PM

nanim: Still confused by how a person could have it together enough to buy a house, but be witless enough not to read anything that comes with it?...


It looks like she did read the letters but didn't think they had any recourse against her if she refused to pay.

Surprise!
 
2014-01-08 11:28:01 PM

bunner: Never, ever, ever buy a house with a homeowners association controlling it because they are staffed by precisely the sort of venal, greedy, control freak little sh*tstains that you envision HOAs being staffed by.


Not all of them. For example: mine
 
2014-01-08 11:29:19 PM
Fark HOA's.
Then again... refusing to open your mail? For that amount of time. Fark her.
 
2014-01-08 11:30:07 PM

EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?


Both of you talk to a property lawyer. Now. You don't have to hire him yet (that'll be a butt-ton of cash too) but get a consultation and he'll likely give you a few pointers on all the little things you don't know about your state's rules, where to look in your agreements, how to do things from here on out, and how to make a settlement offer for the original amount to make them more likely to accept it. He might offer to type up and send the settlement offer + threat of lawsuit if it's not accepted on his letterhead for a nominal fee, which usually gets things done a lot faster than trying to convince them that you poor average folk mean business.
 
2014-01-08 11:30:24 PM

you are a puppet: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

Agreed. Place a farking lien on it you shiatbags


That's what they did...

LemSkroob: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

or just keep a tab open, document everything very well, and take your cut when the house is eventually sold.

There. no evictions, and the HOA gets paid.

Or they can wait, and continue to hold the lien. Rather than foreclose on a $120,000 house to satisfy a $288 debt.


Liens can expire if you don't file suit.  It depends on the type of lien and the state.  In California you can have as little as 90 days before it expires.
 
2014-01-08 11:30:34 PM
it blows my mind that some artificial, non government sanctioned bullshiat of a make-belief authority can do this to someone elses property.

HOA is the epitomy of un-americanism. some small community turning communal dictatorship become some assholes in the past get paranoid over their property values.
 
2014-01-08 11:32:50 PM

bunner: Never, ever, ever buy a house with a homeowners association controlling it because they are staffed by precisely the sort of venal, greedy, control freak little sh*tstains that you envision HOAs being staffed by.


And that staff is elected by the homeowners.
 
2014-01-08 11:34:13 PM

deforge: it blows my mind that some artificial, non government sanctioned bullshiat of a make-belief authority can do this to someone elses property.

HOA is the epitomy of un-americanism. some small community turning communal dictatorship become some assholes in the past get paranoid over their property values.


You know state and local governments encourage the creation of HOA's, right?
 
2014-01-08 11:34:36 PM
My HOA likes to send letters saying we haven't paid and if we don't they will take action.

They also like not answering the phone when you call and ask who to make the check out to (never in the letter). They also never send out anything that says just what we are paying for.

We have no common areas, clubhouse, pool etc. And on the 9 years I've lived here my street has been plowed precisely once
 
2014-01-08 11:35:31 PM

Derwood: bunner: Never, ever, ever buy a house with a homeowners association controlling it because they are staffed by precisely the sort of venal, greedy, control freak little sh*tstains that you envision HOAs being staffed by.

Not all of them. For example: mine


I'm sure many forum users will chime in with precisely the same response, and God bless ye.
 
2014-01-08 11:36:48 PM

foxyshadis: EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?

Both of you talk to a property lawyer. Now. You don't have to hire him yet (that'll be a butt-ton of cash too) but get a consultation and he'll likely give you a few pointers on all the little things you don't know about your state's rules, where to look in your agreements, how to do things from here on out, and how to make a settlement offer for the original amount to make them more likely to accept it. He might offer to type up and send the settlement offer + threat of lawsuit if it's not accepted on his letterhead for a nominal fee, which usually gets things done a lot faster than trying to convince them that you poor average folk mean business.



Thanks, yea I'm going to call someone tomorrow. It's that butt-ton of cash that is daunting. Seemed like it was robbing Peter to pay Paul. Maybe someone can help us and save at least a little money in the process...thanks again
 
2014-01-08 11:38:56 PM

Saturn5: bunner: Never, ever, ever buy a house with a homeowners association controlling it because they are staffed by precisely the sort of venal, greedy, control freak little sh*tstains that you envision HOAs being staffed by.

And that staff is elected by the homeowners.


Makes you wonder, doesn't it?
 
2014-01-08 11:39:03 PM

Target Builder: deforge: it blows my mind that some artificial, non government sanctioned bullshiat of a make-belief authority can do this to someone elses property.

HOA is the epitomy of un-americanism. some small community turning communal dictatorship become some assholes in the past get paranoid over their property values.

You know state and local governments encourage the creation of HOA's, right?


In some areas, HOAs are required by local law if the subdivision is high density enough.  Chances are, if your lot is less than 1 acre, it falls in that range, but that varies from state to state.  In my city anything less than 20 years old inside the city limits pretty much requires an HOA.  My next house will be out in the boonies so I can avoid the hassle.
 
2014-01-08 11:45:08 PM

cuzsis: Agreeing to sell the house for less than it was worth is their problem/stupidity. It doesn't change what the house was worth as an asset to both the bank the homeowner. And that was made by a professional assessment by the county and/or bank when she bought the house. This means they essentially "stole" money from her. And it was a hell of a lot more than $288.

Perhaps she can sell their houses now?

It would be like if someone took your car, sold it for $12 and gave you the $12 as "payment" for the car. Pretty sure you'd throw their ass in jail for felonious theft, yes?


It's hard to argue they sold the house for less than its value when it's sold at a public auction.

Since you ventured for the car analogy, when you get your car impounded for whatever reason (say, you park in a restricted area), if you never get your car out of impound, it will be auctioned off. The impound lot gets to keep its impound fees (up to a limit defined by the law in your jurisdiction) and the rest of the money is payed to you. It is your property, after all. However, the impound lot isn't obligated to keep your car indefinitely, and if you don't pay the fees you owe, the lot is allowed to recoup the fees it is owed.
 
2014-01-08 11:48:15 PM

The My Little Pony Killer: jumac: ruined my credit in my 1st marriage but when its fixed and I can get a house.  It will not be in a HOA. Those who buy a house in a HOA have no idea what owning a house if for.  A house/land is there for your enjoyment.  If you are worried that if the person next to you puts up a tree house for their kid or pants their house some weird color is going effect the value of your land,  You shouldn't own the land/house.  When I can get a place and I want to do something to the property to make it more enjoyable for me and my family, I will make sure it done in line with town/state laws and such.  But if the people around me come and say please don't do that cause it going lower their property value I going say to bad.

The cognitive dissonance is strong with this one.

/I'll do it if the state forces me to
//but fark you, neighbors


TOSViolation: jumac: ruined my credit in my 1st marriage but when its fixed and I can get a house.  It will not be in a HOA. Those who buy a house in a HOA have no idea what owning a house if for.  A house/land is there for your enjoyment.  If you are worried that if the person next to you puts up a tree house for their kid or pants their house some weird color is going effect the value of your land,  You shouldn't own the land/house.  When I can get a place and I want to do something to the property to make it more enjoyable for me and my family, I will make sure it done in line with town/state laws and such.  But if the people around me come and say please don't do that cause it going lower their property value I going say to bad.

This is what HOAs are for.  What you don't realize is that you're the bad guy in your story.  You're the person who is such an unreasonable asshole neighbor that people came up with the idea of HOAs.

If your neighbors can give you a compelling, logical reason for why you shouldn't do something on your property, the appropriate response is not, "To[sic] bad."

The HOA contract I signed just has reasonable things like requiring us to submit all paperwork and plans to the HOA prior to making any changes/additions to our property to ensure we have done all the required steps, such as land survey, permits, etc.  HOAs aren't ALL bad.  It's all about the people who set it up.

The best part is that they practically have to beg people to be on the board.  None of us want to be bothered by it.  That's the best kind of person to put in charge.  You only run into problems when you get a person who WANTS the power.  We all just encourage each other not to be assholes.


Ok i give you guys an example of what i mean.

My parents living in a small town.  They wanted to build a tree house in the front yard for all the gandkids.  All they had to do was get the permits form the town, then have the town come inspect it to make sure it was safely made. That was it the town didn't care what color it was or where on the property or anything else.  Town didn't care what the people around though bout it lowering their property values.

There is a HOA in the same town that one of my parents friend lives in who tried the same thing.  They got the permits form the town but before they could even start building it the HOA came in and said he couldn't do it cause it would effect the property values of those around him.

When I buy my 1st house/land If I want to make a change to the land/house I want to have it be like what my parents did.  Get the proper permits/inspections down by the town/city and be down with it.  I don't want to have to do that then get it OKed form a second group(HOA) to make sure its not going effect property values of those around me.
 
2014-01-08 11:53:18 PM

MNMarkPW: Try not paying your car payment and see what happens.


No, this is more like not paying your insurance company, and they take and sell your car.
 
2014-01-08 11:55:20 PM

the ha ha guy: Derwood: I live in an HOA, and it's no big deal. It just cracks me up how every HOA thread turns into mouth-frothing from a bunch of people who don't live in them


I've never lived in an HOA, and I intentionally bought remote farmland to eliminate the possibility of living in one).

When a developer moved in next door, I ignored their multiple requests, which eventually turned into legal threats, to force me to join their HOA.

And recently, the HOA land was re-surveyed in such a way that it included several acres of my property, during which time they poisoned my well and tried to have my house condemned. They did fix the deed after I took them to court, but they wrote the new deed in such a way that most of my property is now under HOA rule, complete with $250/month dues, which my lawyer says I have to continue paying until the judge orders them to remove that clause form the deed (and it's unlikely I'll get a refund).

But please, tell me how blissful my life will be now that my home has been forcibly taken over by a HOA. From my point of view, I'm getting all the usual BS and none of the benefits.


IANAL, but I think this is illegal. If the original deed did not include the  resurveyed land, then sudden changes can't be made like this?
 
2014-01-08 11:55:39 PM

Nightjars: She failed to pay your bills or bother to open your mail after moving into a neighborhood with an HOA. There are so many steps along the way that she could caused this to never occur, no matter how unjust that such a thing is possible for an HOA to do - I am certainly in the camp who feels that the worst they should be able to do is sue you for the amount owed, plus legal fees, and put a lien on your property (or a wage garnishment, or whatever other legal options that they may have to collect.)


Came here to say that.    Filing a lawsuit will force her attention and is generally far easier to do than foreclosing.    Yeah the woman was clearly at fault for not paying, but that does not mean that HOA was not being a dick and trying to make an example out of her. 

And as someone else pointed out, the HOA should be required to give her the amount of money equal to what they sold the house for minus what she owed and minus the HOA's costs in this affair.
 
2014-01-08 11:55:47 PM

Tsu-na-mi: MNMarkPW: Try not paying your car payment and see what happens.

No, this is more like not paying your insurance company, and they take and sell your car.


That's not at all what it's like, but I appreciate your lack of property law knowledge.

Check above, it's like not paying your impound fee on a car and having it sold at auction. Or like any situation where you acquire a lien against your property and do nothing about it. The government can do this too, people just seem to get less butthurt when it's about a tax delinquency.
 
2014-01-08 11:57:18 PM

Saturn5: bunner: Never, ever, ever buy a house with a homeowners association controlling it because they are staffed by precisely the sort of venal, greedy, control freak little sh*tstains that you envision HOAs being staffed by.

And that staff is elected by the homeowners.


Yes we vote, every vote is required and 70% of the votes are required for 1 person in my area. Fact is 99% of people in my 140 something sub division all vote every year on a new council which is usually 3 people who vote to fine people.
Only two people in the previous 5 years have gotten foreclosed on or had to sell their property.

We have some 900 page manual that must be followed, however! There is no nazism, if you are breaking one of the rules, they advise you, show you the page that YOU SIGNED before you even bought the house. You have to agree to any changes, blah blah twice.
Its been 9 years since my father helped me get into this house, i've never had a single infraction so far. Obviously they send you 20 notifications over a period of time before they even bother to fine, most get it done within 90 days to avoid fines.

Come to think of it, nobody on my block has had an infraction.
 
2014-01-08 11:59:03 PM
My old house was in a neighborhood that had an HOA, but like a dumbass, I thought it was a good idea. The fees I paid were for the swimming pool, leaf pick up, and other miscellaneous services. I failed to read the fine print, and it didn't take long for the people to start biatching about my free range chickens and hog farm ( only 11) in the backyard, a small windmill I installed in my side yard, herb garden in the front yard, and my RV parked in the street. Fugging bullshiat.
 
2014-01-09 12:00:32 AM
HOA = House Of Assholes
 
2014-01-09 12:02:21 AM

Mark Ratner: My old house was in a neighborhood that had an HOA, but like a dumbass, I thought it was a good idea. The fees I paid were for the swimming pool, leaf pick up, and other miscellaneous services. I failed to read the fine print, and it didn't take long for the people to start biatching about my free range chickens and hog farm ( only 11) in the backyard, a small windmill I installed in my side yard, herb garden in the front yard, and my RV parked in the street. Fugging bullshiat.


You didn't happen to have a cammo craport out front, did you?
 
2014-01-09 12:04:23 AM

the ha ha guy: They did fix the deed after I took them to court, but they wrote the new deed in such a way that most of my property is now under HOA rule, complete with $250/month dues, which my lawyer says I have to continue paying until the judge orders them to remove that clause form the deed (and it's unlikely I'll get a refund).


Get a better lawyer. If there's an ongoing deed dispute, those dues amounts should be going into escrow to be released to the appropriate party upon resolution, not direct to the opposing party.
 
2014-01-09 12:12:34 AM

TinyFist: Mark Ratner: My old house was in a neighborhood that had an HOA, but like a dumbass, I thought it was a good idea. The fees I paid were for the swimming pool, leaf pick up, and other miscellaneous services. I failed to read the fine print, and it didn't take long for the people to start biatching about my free range chickens and hog farm ( only 11) in the backyard, a small windmill I installed in my side yard, herb garden in the front yard, and my RV parked in the street. Fugging bullshiat.

You didn't happen to have a cammo craport out front, did you?


A cammo craport? As a matter of fact, I think I did. My friends liked it.
 
kab
2014-01-09 12:13:38 AM
And shiat like this is why you hear about folks absolutely trashing their homes prior to foreclosure / eviction, etc.
 
2014-01-09 12:14:39 AM

TWX: HOAs can be disbanded.

HOAs can be disbanded.

Admittedly this is not an easy process, requires at least half of the property owners to agree (and could require an even higher percentage) and could cause municipal taxes to increase if the city ends up taking over public spaces.

We looked at a house in a sixteen property development, still partially unsold. We were almost ready to offer on it, but then we decided to read the entire HOA rules, and found 48 pages of restrictions, and that's not even getting into possible extra rules. There was a 'disband the HOA' clause, but it required something like over 60% of owners to agree, and since the unsold plots still were owned by the developer and counted as a vote each (and likely against) it looked unlikely that the HOA could be terminated in any practical sense. We decided to not offer on it.

We found another house, less than a quarter-mile away, admittedly 30 years older, but bigger, with the detached workshop built with the house when it was new, with no HOA, and only eight pages of CC&Rs, with simple rules that are city-enforced, not HOA enforced, and are simple and fairly reasonable. Things like HVAC components are not to be roof-installed. One is not allowed to operate an automobile repair business at home. That sort. The only one that I am less happy with is a prohibition on non-TV antennas, but given the problems in the late seventies with the CB craze this isn't a surprise. It does mean I have to be more creative with my ham radio gear, but I have some ideas that will work. Either way, basically someone has to report a problem to the correct department at the city in order for the city to then follow up and possibly send a warning, and the only warning I'm aware of was for someone that did install HVAC on the roof, and the city allowed them to install a concealing wall to hide it from being visible instead of requiring it to be removed, so the situation is not really unreasonable.


I think under federal law, if you get a class whatever radio operators license, they cant stop you from putting up an antenna, i read about a guy doing that as a big fark you to his HOA.
 
2014-01-09 12:16:44 AM
Hey, not all HOAs are evil. Some merely suck.
 
2014-01-09 12:17:08 AM

kab: And shiat like this is why you hear about folks absolutely trashing their homes prior to foreclosure / eviction, etc.


Except for that lease you sign, I rent my grandfathers house out, everyone is required to sign a lease, I had one woman decide she wasn't going to pay rent, when I went to evict she took it to court and decided to trash the house with dog shiat and put holes in the walls. I had the damage estimated and went to court, she put up the $1150 rent to try to keep from being evicted, stupid judge should of ordered the eviction right away, but the money went into a escrow account (or whatever the court does). She moved out before being evicted by the judge, but when I presented the estimates for the damage, he awarded her $4,000 damage.

/I won't see a dime of it I'm sure, then again I wanted to fark her life up for what she did
 
2014-01-09 12:21:07 AM
If you want to sue someone, you have to give them notice.  Mailing something to their house doesn't qualify.  That's why you have process servers.  They deliver the papers, and can testify "Yes, I handed him the papers and told him he was being sued".

I can understand where if you're in a homeowners association and you don't pay your bills, eventually they are going to sue you.

But I can't understand how they can successfully sue without going through that process.  And I can't see how they can sell your house if they haven't won a lawsuit.

I also expect to hear about shootings over this kind of thing.  A house is usually the most expensive thing someone owns.  You want to steal their house over a couple of hundred bucks?  Sooner or later, you're going to piss off the wrong person, and he's going to take it out on you.
 
2014-01-09 12:21:31 AM

Misconduc: kab: And shiat like this is why you hear about folks absolutely trashing their homes prior to foreclosure / eviction, etc.

Except for that lease you sign, I rent my grandfathers house out, everyone is required to sign a lease, I had one woman decide she wasn't going to pay rent, when I went to evict she took it to court and decided to trash the house with dog shiat and put holes in the walls. I had the damage estimated and went to court, she put up the $1150 rent to try to keep from being evicted, stupid judge should of ordered the eviction right away, but the money went into a escrow account (or whatever the court does). She moved out before being evicted by the judge, but when I presented the estimates for the damage, he awarded her $4,000 damage.

/I won't see a dime of it I'm sure, then again I wanted to fark her life up for what she did


*twitch*

/dammit, that's twice tonight
 
FNG [TotalFark]
2014-01-09 12:22:09 AM
Why does this story get greenlit time and time again? Admins are bored and people want to biatch about their HOAs I guess.
 
2014-01-09 12:26:17 AM

JuggleGeek: But I can't understand how they can successfully sue without going through that process. And I can't see how they can sell your house if they haven't won a lawsuit.


The HOA has a lien on your house. Your house only belongs to you at their convenience.

It's the same as buying a car; the bank doesn't have to go to court to have your car repossessed if you stop paying the bill. They can just send someone out to tow it away, because it technically belongs to them, not you.
 
2014-01-09 12:26:26 AM

TinyFist: Misconduc: kab: And shiat like this is why you hear about folks absolutely trashing their homes prior to foreclosure / eviction, etc.

Except for that lease you sign, I rent my grandfathers house out, everyone is required to sign a lease, I had one woman decide she wasn't going to pay rent, when I went to evict she took it to court and decided to trash the house with dog shiat and put holes in the walls. I had the damage estimated and went to court, she put up the $1150 rent to try to keep from being evicted, stupid judge should of ordered the eviction right away, but the money went into a escrow account (or whatever the court does). She moved out before being evicted by the judge, but when I presented the estimates for the damage, he awarded her $4,000 damage.

/I won't see a dime of it I'm sure, then again I wanted to fark her life up for what she did

*twitch*

/dammit, that's twice tonight


could of
should of
would of

:)
 
TWX
2014-01-09 12:28:06 AM

Unknown_Poltroon: TWX: HOAs can be disbanded.

HOAs can be disbanded.

Admittedly this is not an easy process, requires at least half of the property owners to agree (and could require an even higher percentage) and could cause municipal taxes to increase if the city ends up taking over public spaces.

We looked at a house in a sixteen property development, still partially unsold. We were almost ready to offer on it, but then we decided to read the entire HOA rules, and found 48 pages of restrictions, and that's not even getting into possible extra rules. There was a 'disband the HOA' clause, but it required something like over 60% of owners to agree, and since the unsold plots still were owned by the developer and counted as a vote each (and likely against) it looked unlikely that the HOA could be terminated in any practical sense. We decided to not offer on it.

We found another house, less than a quarter-mile away, admittedly 30 years older, but bigger, with the detached workshop built with the house when it was new, with no HOA, and only eight pages of CC&Rs, with simple rules that are city-enforced, not HOA enforced, and are simple and fairly reasonable. Things like HVAC components are not to be roof-installed. One is not allowed to operate an automobile repair business at home. That sort. The only one that I am less happy with is a prohibition on non-TV antennas, but given the problems in the late seventies with the CB craze this isn't a surprise. It does mean I have to be more creative with my ham radio gear, but I have some ideas that will work. Either way, basically someone has to report a problem to the correct department at the city in order for the city to then follow up and possibly send a warning, and the only warning I'm aware of was for someone that did install HVAC on the roof, and the city allowed them to install a concealing wall to hide it from being visible instead of requiring it to be removed, so the situation is not really unreasonable.

I think under federal law, if you get a class whatever radio operators license, they cant stop you from putting up an antenna, i read about a guy doing that as a big fark you to his HOA.


That's not true. If it were, TV and radio stations could put up repeaters wherever they could buy or lease land. And that doesn't begin to address the FAA altitude rules.

The chimney on the house is a hollow box with a couple of ducts centered in it. I'm considering making some kind of retractable antenna that can be lowered into the chimney when not in use, possibly one for each of 440cm, 2m, and 10m located near the corners. Haven't decided for certain though. If antennas are only up while operating then I'd probably be OK.
 
2014-01-09 12:31:41 AM

LemSkroob: The action path of recourse shouldn't be foreclosure. Thats like a cop pulling someone over for speeding and then shooting them in the face as soon as they walk up to the car.


That is, arguably, the stupidest analogy I have ever read.
 
2014-01-09 12:31:42 AM
I haven't really arrived at a position on this issue yet. However, when I do, anybody who disagrees with it is a complete idiot.
 
2014-01-09 12:32:47 AM

Mambo Bananapatch: I haven't really arrived at a position on this issue yet. However, when I do, anybody who disagrees with it is a complete idiot.


I disagree with your premise.
 
2014-01-09 12:35:14 AM

poot_rootbeer: Get a better lawyer. If there's an ongoing deed dispute, those dues amounts should be going into escrow to be released to the appropriate party upon resolution, not direct to the opposing party.



The "final word" of the judge was that because the dues go to ongoing maintenance, the dues are to be made available for immediate use. My lawyer tried to speak up, but the judge said I was "lucky" to get the property back at all, so we decided to play it safe and let the land remain under HOA rule until the appeal, as opposed to letting the HOA retain full ownership for the next few years while they demolish everything on that part of the property and attempt to expand their borders even more.
 
2014-01-09 12:42:31 AM

TWX: That's not true. If it were, TV and radio stations could put up repeaters wherever they could buy or lease land. And that doesn't begin to address the FAA altitude rules.



Read up on OTARD. Basically any consumer/hobbyist antenna is perfectly fine, as long as it otherwise falls within the FAA rules (199 feet).
 
2014-01-09 12:50:23 AM

rewind2846: TOSViolation: If your neighbors can give you a compelling, logical reason for why you shouldn't do something on your property, the appropriate response is not, "To[sic] bad."

That's the problem... there is no "compelling, logical reason" unless that reason involves the potential destruction of other peoples' property. "Don't set your house on fire because the one next door might burn down" is a good example. "Don't let your grass get dry in a farking drought because we don't like the way it looks" is not.  If you're not paying my mortgage, and you're not a city, town state or federal official that I have given permission and power to over such matters, you can just jump up your own ass and suffocate.

I work hard for my money.
That money is used to pay my mortgage.
"My neighbors" are in no way involved with that transaction.
Therefore, they have no say in what I do with what I bought.
That is all.


I'll give you a few examples:

1) You want to build a treehouse where it is overlooking your neighbor's swimming pool in such a way that kids will feel tempted to try to jump from it into your neighbor's pool.
2) You want to put up a baseball diamond in your yard where the balls will be hit in the direction of your neighbors' houses.
3) You want to plant stupid trees with branches that hang down (like weeping willow), along the property line, that will grow out over your neighbors' yards, causing a nuisance.
4) You want to put up a shiatty fence in your backyard.  Sure, you can put up a fence, but there may be standards of decency and quality of construction.  Maybe a chain-link fence isn't ok, but a wooden plank one is.

There are often cases of HOAs not telling you that you can't do something, but advising you on how to do it in a neighborly way.
 
2014-01-09 12:53:14 AM

MNMarkPW: cuzsis: drumhellar: cuzsis: Also, how the fark can they legally take a home worth $120,000 for $288?

Seems like they owe her $119,712...

They don't keep all the money - just the fine + the cost of forcing a foreclosure. Of course, if she had a mortgage to pay, the rest of the money would go to the bank to pay the mortgage. Since the house is usually sold at auction for a lot less than it's worth, the former owner is on the hook for the remainder. In her case, it's $30,000.

Agreeing to sell the house for less than it was worth is their problem/stupidity. It doesn't change what the house was worth as an asset to both the bank the homeowner. And that was made by a professional assessment by the county and/or bank when she bought the house. This means they essentially "stole" money from her. And it was a hell of a lot more than $288.

Perhaps she can sell their houses now?

 It would be like if someone took your car, sold it for $12 and gave you the $12 as "payment" for the car. Pretty sure you'd throw their ass in jail for felonious theft, yes?

 /I'm not saying the home owner isn't stupid, she definitely is, but in this case the HOA is the greater of the two....by a lot.

Try not paying your car payment and see what happens.


But the insurance company doesn't repo and sell your car if you don't pay your insurance. HOA should be able to lien but not seize and sell.
 
2014-01-09 12:55:15 AM
It's gonna be real funny when these mortgages get paid off in 10-15 years.
"Here's a fine for not cutting your grass."
"That's nice. What are you going to do about it?"
"For--"
"No mortgage to foreclose on. So, fark you, asshole."
 
2014-01-09 12:58:47 AM

TOSViolation: rewind2846: TOSViolation: If your neighbors can give you a compelling, logical reason for why you shouldn't do something on your property, the appropriate response is not, "To[sic] bad."

That's the problem... there is no "compelling, logical reason" unless that reason involves the potential destruction of other peoples' property. "Don't set your house on fire because the one next door might burn down" is a good example. "Don't let your grass get dry in a farking drought because we don't like the way it looks" is not.  If you're not paying my mortgage, and you're not a city, town state or federal official that I have given permission and power to over such matters, you can just jump up your own ass and suffocate.

I work hard for my money.
That money is used to pay my mortgage.
"My neighbors" are in no way involved with that transaction.
Therefore, they have no say in what I do with what I bought.
That is all.

I'll give you a few examples:

1) You want to build a treehouse where it is overlooking your neighbor's swimming pool in such a way that kids will feel tempted to try to jump from it into your neighbor's pool.
2) You want to put up a baseball diamond in your yard where the balls will be hit in the direction of your neighbors' houses.
3) You want to plant stupid trees with branches that hang down (like weeping willow), along the property line, that will grow out over your neighbors' yards, causing a nuisance.
4) You want to put up a shiatty fence in your backyard.  Sure, you can put up a fence, but there may be standards of decency and quality of construction.  Maybe a chain-link fence isn't ok, but a wooden plank one is.

There are often cases of HOAs not telling you that you can't do something, but advising you on how to do it in a neighborly way.


1st t have to be some small property for a treehouse close enough for a kid to jump form it to a pool in the next yard over.
2nd.  this one maybe.  then agian kids just playing ball without a diamond can do this so not much difference.
3rd. ohh well to bad If I want x tree along the property line to block view then as long as the start/town laws say I can thats what i am going have.
4th  see answer for number 3.

as stated if its my property what gives you as my neighbore the right to say what I can and can't do on.
 
2014-01-09 01:01:22 AM

TOSViolation: I'll give you a few examples:

1) You want to build a treehouse where it is overlooking your neighbor's swimming pool in such a way that kids will feel tempted to try to jump from it into your neighbor's pool.
2) You want to put up a baseball diamond in your yard where the balls will be hit in the direction of your neighbors' houses.
3) You want to plant stupid trees with branches that hang down (like weeping willow), along the property line, that will grow out over your neighbors' yards, causing a nuisance.
4) You want to put up a shiatty fence in your backyard.  Sure, you can put up a fence, but there may be standards of decency and quality of construction.  Maybe a chain-link fence isn't ok, but a wooden plank one is.


Assuming you're speaking as the neighbor:
1) Build a fence.
2) If the problem continues, call the police for vandalism/destruction of property.
3) In many jurisdictions you can cut back limbs, and even whole trees, that hang over your property.
4) Your town/county building code already has restrictions on what kind of fence can be built.

Looks like the existing government rules take care of all four problems, why pay a bunch of mall-cop-wannabes to do the same job?
 
2014-01-09 01:10:54 AM
since my hoa fees are almost $600/mo, i have no sympathy.

why couldn't some freaking numbnut from the farking, office knowing that some lady would lose their home over <$300, go over there and tell the dang lady she was gonna lose her home? hell, i would have paid the fooking bill for karma points.

because there is no god.
 
2014-01-09 01:17:09 AM

TOSViolation: in a neighborly way


you mean the ones that violate the TOS and end in a house being sold for 288 bucks ?
yea... remind everyone not to be your neighbour.

TOS Violations can be extremely offensive when the are responded to with ruthlessness.
 
2014-01-09 01:18:16 AM

starsrift: It's gonna be real funny when these mortgages get paid off in 10-15 years.
"Here's a fine for not cutting your grass."
"That's nice. What are you going to do about it?"
"For--"
"No mortgage to foreclose on. So, fark you, asshole."


It is not that simple, the mortgage is not their only hold.

Refer TOS Violations.
 
2014-01-09 01:20:05 AM

Popular Opinion: since my hoa fees are almost $600/mo, i have no sympathy.

why couldn't some freaking numbnut from the farking, office knowing that some lady would lose their home over <$300, go over there and tell the dang lady she was gonna lose her home? hell, i would have paid the fooking bill for karma points.

because there is no god.


$600 a month??? Good lord, please tell me they mow your yard, pick up the leaves, babysit the kids, listen to your wife nag, and provide you with hookers and blow on your birthday.
 
2014-01-09 01:21:04 AM

Caffienatedjedi: For the land of the free, we certainly love forcing bullshiat rules and costs on people.

Fark HOAS, ruined rural living for me. I could of had a pony!


There is a "neighborhood" behind my parents house that is supposed to be really green but the rules go so far that many "green" things are even banned. Plus, they do stupid things like making you pay for 7 acres of land but 6 of those are "community land". Houses are spring up left and right in the area but this one small area has the same 2 houses and a dozen empty lots it has had for the last few years.
 
2014-01-09 01:32:06 AM

Mark Ratner: Popular Opinion: since my hoa fees are almost $600/mo, i have no sympathy.

why couldn't some freaking numbnut from the farking, office knowing that some lady would lose their home over <$300, go over there and tell the dang lady she was gonna lose her home? hell, i would have paid the fooking bill for karma points.

because there is no god.

$600 a month??? Good lord, please tell me they mow your yard, pick up the leaves, babysit the kids, listen to your wife nag, and provide you with hookers and blow on your birthday.


I had a condo I sold in 2005, bought in 2000 (pre construction).  HOA fees went from $126 (at closing) to $455 per month by the time I sold.  In that time there were three, yes THREE 'special assessments'.  The first was a measly $1,500 about a year and a half after moving in, claiming for gate repairs.  The second was $4,000.  The builder had managed to skirt code and get permits/certifications that were unsafe and had to repaired immediately, about 3 years in.   The last was $2,500 for the lawyer fees to sue the builder for said violations, this happened as I was selling.  Mind you, portion of the legal letter mentioned that the recuperated moneys would NOT be distributed back to the unit owners per the HOA contract.  The moneys would be added to the ongoing general management fund.

Someone was fined for having a wreath on their door.

/tl;dr
//csb
 
2014-01-09 01:36:21 AM

the ha ha guy: poot_rootbeer: Get a better lawyer. If there's an ongoing deed dispute, those dues amounts should be going into escrow to be released to the appropriate party upon resolution, not direct to the opposing party.


The "final word" of the judge was that because the dues go to ongoing maintenance, the dues are to be made available for immediate use. My lawyer tried to speak up, but the judge said I was "lucky" to get the property back at all, so we decided to play it safe and let the land remain under HOA rule until the appeal, as opposed to letting the HOA retain full ownership for the next few years while they demolish everything on that part of the property and attempt to expand their borders even more.


Something tells me the developer, judge, and probably county sheriff all belong to the same golf club and bang the same whores.
 
2014-01-09 01:36:40 AM

Mark Ratner: Popular Opinion: since my hoa fees are almost $600/mo, i have no sympathy.

why couldn't some freaking numbnut from the farking, office knowing that some lady would lose their home over <$300, go over there and tell the dang lady she was gonna lose her home? hell, i would have paid the fooking bill for karma points.

because there is no god.

$600 a month??? Good lord, please tell me they mow your yard, pick up the leaves, babysit the kids, listen to your wife nag, and provide you with hookers and blow on your birthday.


well, it's a marina, with pools...guarded gate and security roaming around blah blah blah, and they are renovating the common areas.

/i'm not richie rich, but i figured property on the water was a safe investment, because no matter what, there is somebody with enough money to afford a place where he can walk out his front door, down a path and get in his boat.
 
2014-01-09 01:44:00 AM
img.fark.net

HOAs are evil, and if you join one and don't pay the fees then you are doubly stupid and deserve what you get.
 
2014-01-09 01:44:23 AM

Gyrfalcon: you are a puppet: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

Agreed. Place a farking lien on it you shiatbags

(That's where foreclosure starts. Then if the homeowner continues to ignore them, they may collect the judgement.)


Bull. Failure to pay HOA fees should never result in a foreclosure. Period. Put a lien on the house to get what's owed plus service and attys fees, suspend services and privileges (ie 'don't pay your fees, we won't clear your driveway of snow and turn in your pool key), sure. But an HOA should NEVER have the right to foreclose. Its absurd.

Hypothetical house worth 500k, homeowners a douche and doesn't pay the $100 a month for a year. How the hell does that warrant taking possession on the house and screwing the owner out of 498.8k?

Its even worse if there's a dispute between the owner and the HOA, ie the HOA does bollocks for the neighborhood but charges $100/Mo anyway. I heard of folks not paying out of protest then having liens or foreclosures issued against them. Or the HOA decides your grass is .25" too tall, or no you can't park your Cadillac in the driveway, it upsets the pearl clutchers.

No way that should warrant eviction or foreclosure.

//most HOAs are a scourge. Some are legit and do well by their tenants. Others are a power trip for fascists and neo Nazis getting back at all those who didn't 'respect' them in grade school.
///Forcing me to use a shiatty ISP because that's who the developer locked into a contract with years before I buy the house?
///(almost happened. Walked away from the sale because of it.). No thanks.
 
2014-01-09 01:48:10 AM

Charlie Crews' Zen Master: Hypothetical house worth 500k, homeowners a douche and doesn't pay the $100 a month for a year. How the hell does that warrant taking possession on the house and screwing the owner out of 498.8k?


It doesn't work that way.
 
2014-01-09 01:49:58 AM

stuffy: Hate to agree with an HOA but she had plenty of notice. She just chose to ignore them.


I dont care how much you love HOAs or like to defend the rules, there is no excuse not to knock on her door.

you live RIGHT THERE.

this is serious stuff.

/ not saying they didnt have the legal right, but i AM saying they have the moral obligation.
 
2014-01-09 01:51:29 AM

itsaidwhat: I'm all in favor of sending shi??y neighbors packing. You would too if you'd ever suffered a shi$$y neighbor.

It's a good system when used properly. The comunity polices itself and has a method to drive away the worst elements.

Places like Detroit would be better off if the animals livjng there were capable of such self social regulation. They aren't so they devolve to ruin and then blame those that won't give them more to waste.

/that is all.


Also, they're black, amirite?  I mean really, could they not have the decency to not be black at least?
 
2014-01-09 02:01:05 AM
Hell, personally, if she couldnt be reached, I might find a moral obligation to "loan" her the money and pay it myself if she were about to have her home sold out from under her.

/ wonders if they "sold it" to themselves.
// of course if I go talk to her and she refuses to pay, all bets are off.
 
2014-01-09 02:03:57 AM

I sound fat: / not saying they didnt have the legal right, but i AM saying they have the moral obligation.


Much like being responsible for your personal obligations?
 
2014-01-09 02:28:22 AM

jtown: She refused to pay $4/month?  Why?  I've never heard of an HOA with fees that low.

And, though the article fails to mention it, I assume the HOA sold the house, took their money, settled the mortgage, and sent her a check with the balance of the money so she should at least have her equity back.

I can understand why nobody will giver her a loan now.  They know she'll ignore notices and warnings until they have no choice but to activate the nuclear clause of their contract with her.


they make their money back on the flip side (dirtbag mini hitlers)
 
2014-01-09 02:42:46 AM
I will give a nickel to anyone who can prove that they read every single word of the 35 pages of documents you have to sign to buy/refinance a house.
 
2014-01-09 02:44:55 AM
That's it! I've decided. If I move, it will be someplace where I can get 5 acres of land and plunk my house right in the middle.

Some folks I know did that around here and keep the edges of their property thickly overgrown and wooded to act as a privacy barrier. Basically they live on a square made up of 5 acres and the house sits on one acre alone in the middle. Only the acre the house sits on is landscaped. Plus, their property taxes are low because they bought the land and built the home over 50 years ago.

No HOA to worry about. No neighbors clustered so close that you can hear it when they fart. A nice, thick wild buffer to cut down on traffic noise and the sight of cars passing by.
 
2014-01-09 03:20:39 AM
I'm completely fine living in the city without an HOA.

But different strokes for different folks.  I'm totally cool with the neighbors, even if one raises chickens, another seems to have some sort of native prairie planting for the front yard, and a third has some sort of Tardis art installation in their front lawn.

I could see how some people disagree with this though.  So let them have their manicured communities where the mundane is strictly enforced, and I'll have my community, a little bit more on the unconventional side.

Of course, I'll still laugh when the association goes on a power trip.
 
2014-01-09 03:55:23 AM
HOA's are for assholes and people who want to put up with assholes. Not an asshole? don't buy an HOA house.
 
2014-01-09 03:59:24 AM

viscountalpha: HOA's are for assholes and people who want to put up with assholes. Not an asshole? don't buy an HOA house.


More and more that is slowly becoming an impossibility in the United States. Some day somebody is going to exercise a second amendment solution to their HOA and not one person will give a shirt.
 
2014-01-09 04:11:51 AM

Shadi: drumhellar: They don't keep all the money - just the fine + the cost of forcing a foreclosure.

this. fark has been flooded with too many uneducated people lately. they have no understanding of basic civil law.


lately?  hell, the two posts above mine show nothing but complete ignorance and bandwagon loathe.
 
2014-01-09 04:15:50 AM

viscountalpha: HOA's are for assholes and people who want to put up with assholes. Not an asshole? don't buy an HOA house.


 If you can't afford a single family home, or want to live in downtown area, you don't have much of a choice if you want to buy real estate.

If you own a single family home, most HOA's are fairly benign. The article is a really a reflection of the recession, and the difficulty in financing common goods when people don't have money. In this case, it was extreme for the HOA to foreclose, but it was also stupidity for the woman to blithely dismiss her obligations. I would blow this out of proportion. YMMV.

I grew up in Irvine, CA. The entire city is basically an HOA in the guise of a local government owned by the Irvine Company. In spite of that, people clamor for homes in Irvine. The key here is that Irvine did not shirk its duty in providing local services by promoting HOA's. The locals fund their government for city provided services. Expensive place to live.
 
2014-01-09 05:05:34 AM
It doesn't matter if you don't use the pool etc.  The agreement you have with the HOA means you pay.  The money can also goes to roof repair which is what I'm dealing with.  300 every a month increase in order to fix, per voted agreement. We could have stuck with the ones we have, and watch roof tiles periodically punch through people's car windows, or just crack them whenever a severe storm hits.  That's always a fun neighborhood activity to watch.

On the other hand. Selling the house out from under someone is a dick move.
 
2014-01-09 05:06:13 AM

cwolf20: It doesn't matter if you don't use the pool etc.  The agreement you have with the HOA means you pay.  The money can also goes to roof repair which is what I'm dealing with.  300 every a month increase in order to fix, per voted agreement. We could have stuck with the ones we have, and watch roof tiles periodically punch through people's car windows, or just crack them whenever a severe storm hits.  That's always a fun neighborhood activity to watch.

On the other hand. Selling the house out from under someone is a dick move.


3 months. not a month, stupid keyboard
 
2014-01-09 05:28:49 AM

Caffienatedjedi: TinyFist: Caffienatedjedi: For the land of the free, we certainly love forcing bullshiat rules and costs on people.

Fark HOAS, ruined rural living for me. I could've had a pony!

*twitch*

Ah man, I'm a derp. Long day. FTFM


Minus while hop onto the grammer Nazi troll bandwagen
 
2014-01-09 05:45:44 AM
Foreclosures on delinquent properties by homeowner associations were almost unheard of before the financial crisis of 2008. Now lawyers and real estate researchers say they are becoming more common as association funding bases shrink because of previously foreclosed homes standing empty.

...does that seem ultimately self-defeating to anyone else?  "We're taking in less money because a bunch of homes were foreclosed on and are now empty, thus generating no revenue.  To make up the shortfall, let's foreclose on the homes that are still occupied but delinquent, so that they will also end up standing empty and generating no revenue!"
 
2014-01-09 06:03:03 AM

Lachwen: Foreclosures on delinquent properties by homeowner associations were almost unheard of before the financial crisis of 2008. Now lawyers and real estate researchers say they are becoming more common as association funding bases shrink because of previously foreclosed homes standing empty.

...does that seem ultimately self-defeating to anyone else?  "We're taking in less money because a bunch of homes were foreclosed on and are now empty, thus generating no revenue.  To make up the shortfall, let's foreclose on the homes that are still occupied but delinquent, so that they will also end up standing empty and generating no revenue!"


The new property owner is required to pay the HOA dues. So revenue is generated, whether it is vacant or not.  The HOA foreclosed on the house, to force a deliquent non-paying owner out, replacing them with a paying (perhaps non-occupant) owner. So no, your logic fails.

While I do think that a lien or other means of collecting would have been a better course of action, the bandwagon loathe for HOAs on FARK is truly indicative of the basement dwelling, video game playing adult-child demographic. Seriously, HOAs of suburbia are merely a replacement of what townships, municipalities and other cities would normally provide in services, usually paid for by town/city taxes.  I don't pay city tax, because I don't live in a city.  I pay HOA dues for the same services.  That's it.  And it works.  And we have volunteer fire/rescue to curb costs as well.

Ignorant Farks you are.
 
2014-01-09 07:29:26 AM

Shadi: drumhellar: They don't keep all the money - just the fine + the cost of forcing a foreclosure.

this. fark has been flooded with too many uneducated people lately. they have no understanding of basic civil law.


We're not civil!

/this also isn't findlaw.  GFY.
 
2014-01-09 08:20:02 AM

EffervescingElephant: foxyshadis: EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?

Both of you talk to a property lawyer. Now. You don't have to hire him yet (that'll be a butt-ton of cash too) but get a consultation and he'll likely give you a few pointers on all the little things you don't know about your state's rules, where to look in your agreements, how to do things from here on out, and how to make a settlement offer for the original amount to make them more likely to accept it. He might offer to type up and send the settlement offer + threat of lawsuit if it's not accepted on his letterhead for a nominal fee, which usually gets things done a lot faster than trying to convince them that you poor average folk mean business.


Thanks, yea I'm going to call someone tomorrow. It's that butt-ton of cash that is daunting. Seemed like it was robbing Peter to pay Paul. Maybe someone can help us and save at least a little money in the process...thanks again


Did your GF give verbal or written notice? If verbal, then it could be a he said/she said situation if the HOA rep who received her notice is not cooperating. File a change of address notice with the Post Office? Any notices from the HOA should have been sent by mail and should have been delivered to her.
 
2014-01-09 08:39:18 AM
You chose to live with this kind of bs. No one made you.
 
2014-01-09 08:39:41 AM

EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?


Probably nothing that cost less than the $3,500
 
2014-01-09 08:51:24 AM

rikkitikkitavi: The new property owner is required to pay the HOA dues. So revenue is generated, whether it is vacant or not. The HOA foreclosed on the house, to force a deliquent non-paying owner out, replacing them with a paying (perhaps non-occupant) owner. So no, your logic fails.


If the HOA forecloses, then the HOA is the new owner. They pay themselves dues? How does that make them money?
 
2014-01-09 08:56:12 AM

Shadi: drumhellar: They don't keep all the money - just the fine + the cost of forcing a foreclosure.

this. fark has been flooded with too many uneducated people lately. they have no understanding of basic civil law.


I wonder how many of them come here to cast great aspersions upon the balance of the users here, on some point of minutiae, and thereby cast a broad swatch of self importance regarding their obviously superior intellectual acuity.
 
2014-01-09 08:57:41 AM

TOSViolation: rewind2846: TOSViolation: If your neighbors can give you a compelling, logical reason for why you shouldn't do something on your property, the appropriate response is not, "To[sic] bad."

That's the problem... there is no "compelling, logical reason" unless that reason involves the potential destruction of other peoples' property. "Don't set your house on fire because the one next door might burn down" is a good example. "Don't let your grass get dry in a farking drought because we don't like the way it looks" is not.  If you're not paying my mortgage, and you're not a city, town state or federal official that I have given permission and power to over such matters, you can just jump up your own ass and suffocate.

I work hard for my money.
That money is used to pay my mortgage.
"My neighbors" are in no way involved with that transaction.
Therefore, they have no say in what I do with what I bought.
That is all.

I'll give you a few examples:

1) You want to build a treehouse where it is overlooking your neighbor's swimming pool in such a way that kids will feel tempted to try to jump from it into your neighbor's pool.


Potential destruction of other peoples property (their children) and safety issues. Problem is not the treehouse, it's the farking dumbassed kids. Time and again there have been stories here on FARK where it's the aesthetics of the treehouse that the pissneighbors didn't like, and not anything related to potential property damage or injury. That is the problem.

2) You want to put up a baseball diamond in your yard where the balls will be hit in the direction of your neighbors' houses.

Potential destruction of other peoples' property. See above.

3) You want to plant stupid trees with branches that hang down (like weeping willow), along the property line, that will grow out over your neighbors' yards, causing a nuisance.

Since when did a tree become a nuisance? It's a farking tree. It brings shade, life, cools your house, enjoy it.

4) You want to put up a shiatty fence in your backyard.  Sure, you can put up a fence, but there may be standards of decency and quality of construction.  Maybe a chain-link fence isn't ok, but a wooden plank one is.

This is a prime example of the aesthetics bullsh*t. If I have a fence put up by a professional installer they will have certain standards for their work, and it will not look "sh*tty". The only requirement for that fence should be that it be installed by said licensed installer, and no b*tching about what type of fence it is because you don't like it - especially if it's not on your property line. Besides, people have been putting up fences for thousands of years, and what type of fence goes up should only be a discussion between the people in the two properties the fence separates, and no one else. Not a committee, not an HOA, no one else.

There are often cases of HOAs not telling you that you can't do something, but advising you on how to do it in a neighborly way.

They can "advise" me when they write the check for my mortgage.
 
2014-01-09 09:27:54 AM

rewind2846: TOSViolation: rewind2846: TOSViolation: If your neighbors can give you a compelling, logical reason for why you shouldn't do something on your property, the appropriate response is not, "To[sic] bad."

That's the problem... there is no "compelling, logical reason" unless that reason involves the potential destruction of other peoples' property. "Don't set your house on fire because the one next door might burn down" is a good example. "Don't let your grass get dry in a farking drought because we don't like the way it looks" is not.  If you're not paying my mortgage, and you're not a city, town state or federal official that I have given permission and power to over such matters, you can just jump up your own ass and suffocate.

I work hard for my money.
That money is used to pay my mortgage.
"My neighbors" are in no way involved with that transaction.
Therefore, they have no say in what I do with what I bought.
That is all.

I'll give you a few examples:

1) You want to build a treehouse where it is overlooking your neighbor's swimming pool in such a way that kids will feel tempted to try to jump from it into your neighbor's pool.

Potential destruction of other peoples property (their children) and safety issues. Problem is not the treehouse, it's the farking dumbassed kids. Time and again there have been stories here on FARK where it's the aesthetics of the treehouse that the pissneighbors didn't like, and not anything related to potential property damage or injury. That is the problem.

2) You want to put up a baseball diamond in your yard where the balls will be hit in the direction of your neighbors' houses.

Potential destruction of other peoples' property. See above.

3) You want to plant stupid trees with branches that hang down (like weeping willow), along the property line, that will grow out over your neighbors' yards, causing a nuisance.

Since when did a tree become a nuisance? It's a farking tree. It brings shade, life, cools your house, enjoy it.

4) You want to put up a shiatty fence in your backyard.  Sure, you can put up a fence, but there may be standards of decency and quality of construction.  Maybe a chain-link fence isn't ok, but a wooden plank one is.

This is a prime example of the aesthetics bullsh*t. If I have a fence put up by a professional installer they will have certain standards for their work, and it will not look "sh*tty". The only requirement for that fence should be that it be installed by said licensed installer, and no b*tching about what type of fence it is because you don't like it - especially if it's not on your property line. Besides, people have been putting up fences for thousands of years, and what type of fence goes up should only be a discussion between the people in the two properties the fence separates, and no one else. Not a committee, not an HOA, no one else.

There are often cases of HOAs not telling you that you can't do something, but advising you on how to do it in a neighborly way.

They can "advise" me when they write the check for my mortgage.


Since you signed the HOA contract before you were even allowed to put your signature on the mortgage papers, you agreed of your own free will to abide by what the HOA 'advises' you to do.

Signed, dated and notarized - you have no leg to stand on to ignore it. YOU signed it. Ignorance/apathy are not defenses.
 
2014-01-09 09:30:46 AM

starsrift: It's gonna be real funny when these mortgages get paid off in 10-15 years.
"Here's a fine for not cutting your grass."
"That's nice. What are you going to do about it?"
"For--"
"No mortgage to foreclose on. So, fark you, asshole."


Owning the home outright does not prevent a lien from being put against the property. You signed the HOA agreement before you signed the rest of the papers, even if you paid cash. You agreed to allow a lien to be placed against the property you were purchasing if you failed to keep up your end of the agreement.
 
2014-01-09 10:04:58 AM

Mugato: No, it's just sad that you have to call everyone who doesn't like HOA's "apartment dwellers" and lord over them your awesome real estate choices.

/condo dweller
// wouldn't live in an HOA if it was free


How the hell does your condo not have an HOA?  How do you manage general building upkeep, maintenance and services?

/also lives in a condo
//loves my HOA, because there's only 8 units and everyone is sane
 
2014-01-09 10:17:41 AM

slotz: Headso: HOAs are for those that look at all the laws and rules in America and boldly say "No, that's not enough, I need more people to have authority over me"

that they're sick of selfish, narcissistic assholes who don't obey the laws and rules in America today; who let their dogs bark all night long and think nothing of playing loud music until 5 AM during the work week.  The cops are too busy to deal with this shiat, and assholes don't change even if asked nicely.  So the HOA helps keep them out, or under control.

/FTFY


I don't live in a HOA and my Dad has taken asshat neighbors to court over shiat like this. He'd film the asshat neighbors dog barking for hours in their yard (it was borderline animal abuse what they did) and got judgments on them.

You don't need a HOA to protect you.
 
2014-01-09 10:34:14 AM
i.imgur.com
 
2014-01-09 10:34:53 AM

LZeitgeist: Signed, dated and notarized - you have no leg to stand on to ignore it. YOU signed it. Ignorance/apathy are not defenses.


This is not about contracts, genius. It's about the ability of your neighbors to act like assholes and not leave people alone to enjoy the properties they paid for as they see fit. The contract is irrelevant, since that contract does not entitle these other people to be dicks.

Once again, it's not the contract that is in question, it's the dicks.
 
2014-01-09 10:54:03 AM

EffervescingElephant: FrancoFile: EffervescingElephant: FrancoFile: EffervescingElephant: Maybe one of you Farkers with a GED in law can help me with this one - my girlfriend has a similar situation, the HOA is in the process of placing a lien on her property because of some missed payments...

She is recently divorced and moved into one of her rental properties, she notified the HOA that she was moving in there, and asked them in writing to send all correspondence to the new address, that she going through a divorce and didnt want any mail going to an ex-husband.

She missed a few payments and they tacked a notice on the door with the lien notice and the attorney representing them...the back payments are only a few hundred bucks, but the attorneys want over 3,500 in fees.

They sent all correspondence/notices to her old address, even after being told not to...is there anything she can do to fight it?

Did she send that notice registered mail?  If so, then she's got a leg to stand on.

She went to the HOA office gave them a notice in person - she paid the fees for several months with checks with the right address, and once the attorneys got involved they sent everything to the right address

She could have paid the back fees...they weren't that much, she didn't know it was being turned over to attorneys, now she has almost 4 grand in fees for less than 500 bucks in back payments

She has a divorce attorney, yes?  He ought to be able to handle this.  Mgmt company screwed up and a lawyer-to-lawyer talk should get them to back down.


Yea...her divorce is final. All of this happened after the divorce was finalized, it was only a few months of missed payments, she was unemployed for a short spell and couldn't afford them. So no lawyer...we were trying to figure out if there was a way to fight this without one, we just cant afford one right now. She has tried to speak to the HOA, hell they all live in her building, they wont speak to her - she has tried to speak to the lawyers, in person, on ...


Try small claims court, if she has proof that she informed them of her move and they didn't comply she may be off the hook.

Registered mail would be the best, however an e-mail could work.
 
2014-01-09 11:10:28 AM

cuzsis: you are a puppet: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

Agreed. Place a farking lien on it you shiatbags

This.

 Also, how the fark can they legally take a home worth $120,000 for $288?

 Seems like they owe her $119,712...

/she should sue


Errr, uhhh, they did place a lien on her house.  Then they foreclosed on the lien.  I supposed the HOA could have sat on their lien until she (or her estate) sold the house (whenever that might happen) and then they would have gotten paid, but apparently they sent her tons of notices and presumably the HOA served her with the the foreclosure in compliance with state law.

Then, of course, when the HOA sold the house, the sale proceeds went first to all lien holders (her mortgagee and the the HOA) and she got the rest.  If she had no mortgage, she indeed got her $119,712.  It's curious that the article is silent about that.

What should she sue for?  Her breaching her contract with the HOA?  The HOA following state law by foreclosing?

/Stupid, desperate HOA should disband rather than sue if it has to sue over a piddling sum to stay in business
//Silly homeowner.  Open your mail.
///If you don't use the clubhouse, you still pay fees. If your house doesn't burn down and you don't use the fire department or if you don't have school age kids in public school, you still owe property tax  Welcome to the real world.
 
2014-01-09 11:17:59 AM

rewind2846: LZeitgeist: Signed, dated and notarized - you have no leg to stand on to ignore it. YOU signed it. Ignorance/apathy are not defenses.

This is not about contracts, genius. It's about the ability of your neighbors to act like assholes and not leave people alone to enjoy the properties they paid for as they see fit. The contract is irrelevant, since that contract does not entitle these other people to be dicks.

Once again, it's not the contract that is in question, it's the dicks.


Yes, it is about contacts, bonehead. If you're in an HOA, YOU SIGNED A CONTRACT TO BE IN IT AND ABIDE BY IT, AND BE BOUND BY ITS DECISIONS. No pity for you.

If you're not in an HOA, good for you. Quitcher biatchin'. You have no dog in this fight.
 
2014-01-09 11:22:08 AM

IkonOlator: cuzsis: you are a puppet: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

Agreed. Place a farking lien on it you shiatbags

This.

 Also, how the fark can they legally take a home worth $120,000 for $288?

 Seems like they owe her $119,712...

/she should sue

Errr, uhhh, they did place a lien on her house.  Then they foreclosed on the lien.  I supposed the HOA could have sat on their lien until she (or her estate) sold the house (whenever that might happen) and then they would have gotten paid, but apparently they sent her tons of notices and presumably the HOA served her with the the foreclosure in compliance with state law.

Then, of course, when the HOA sold the house, the sale proceeds went first to all lien holders (her mortgagee and the the HOA) and she got the rest.  If she had no mortgage, she indeed got her $119,712.  It's curious that the article is silent about that.

What should she sue for?  Her breaching her contract with the HOA?  The HOA following state law by foreclosing?

/Stupid, desperate HOA should disband rather than sue if it has to sue over a piddling sum to stay in business
//Silly homeowner.  Open your mail.
///If you don't use the clubhouse, you still pay fees. If your house doesn't burn down and you don't use the fire department or if you don't have school age kids in public school, you still owe property tax  Welcome to the real world.


I agree its stupid to not open mail. Its even stupider to foreclose on a property for a $288 lien on a property 500 times that in value. What makes this especially hard is the fact they never served her foreclosure papers, and that they sold the house for ~$30K less than what she owed. So nows she's out a house, still owes $30K, and now has to rent the place out to keep living there. There needs to be a check/balance in place on liens, saying foreclosures can't start unless liens are equal to or greater than X% of the property value.
 
2014-01-09 11:25:25 AM
Holy crap, $48 a year and she couldn't pay? Gets what she deserves I guess. I pay almost $100 a month for my HOA and don't regret it in the least. Live in a beautiful area, have multiple pools at my disposal, multiple parks, soccer and football fields with high mast lighting, water park, clubhouse that has a gym better then most other gyms I have paid a memberships for. Another bonus is every morning there is literally an army of landscapers that get to work and keep the neighborhood cleaned and trimmed up, actually enjoy the slow drive to my house when I hit the neighborhood due to it looking like something out of a brochure.
 
2014-01-09 11:25:41 AM
It would seem that the type of people who want a HOA to start with, would want the manicured lawns, the uniformity, the nitpicking.

To see people furious about DNA testing for dog poop makes me laugh.  It tells me they're the worst kind of hypocrites, who want everyone else to maintain perfection, but they should somehow be allowed to do their own thing.

Moral: If you're willing to limit yourself to the group rules, go ahead and buy within a HOA, but don't complain after the fact.
 
2014-01-09 12:01:11 PM
LZeitgeist:

If you're not in an HOA, good for you. Quitcher biatchin'. You have no dog in this fight.

Dunno whether you have the grey matter to figure this out, but contracts are signed every single day without the parties involved being dicks. Happens all the time. And it's not the contracts that automatically make people act like dick either... they were usually dicks long before any papers were signed. So no, it's not the contracts that engender the hate for HOAs, IT'S THE DICKS THAT RUN THE HOAs.

"The law is the law" is a favorite rationale for people who refuse to think for themselves, and people who want an excuse for being dicks.

Which are you?
 
2014-01-09 12:21:59 PM

LZeitgeist: rewind2846: TOSViolation: rewind2846: TOSViolation: If your neighbors can give you a compelling, logical reason for why you shouldn't do something on your property, the appropriate response is not, "To[sic] bad."

That's the problem... there is no "compelling, logical reason" unless that reason involves the potential destruction of other peoples' property. "Don't set your house on fire because the one next door might burn down" is a good example. "Don't let your grass get dry in a farking drought because we don't like the way it looks" is not.  If you're not paying my mortgage, and you're not a city, town state or federal official that I have given permission and power to over such matters, you can just jump up your own ass and suffocate.

I work hard for my money.
That money is used to pay my mortgage.
"My neighbors" are in no way involved with that transaction.
Therefore, they have no say in what I do with what I bought.
That is all.

I'll give you a few examples:

1) You want to build a treehouse where it is overlooking your neighbor's swimming pool in such a way that kids will feel tempted to try to jump from it into your neighbor's pool.

Potential destruction of other peoples property (their children) and safety issues. Problem is not the treehouse, it's the farking dumbassed kids. Time and again there have been stories here on FARK where it's the aesthetics of the treehouse that the pissneighbors didn't like, and not anything related to potential property damage or injury. That is the problem.

2) You want to put up a baseball diamond in your yard where the balls will be hit in the direction of your neighbors' houses.

Potential destruction of other peoples' property. See above.

3) You want to plant stupid trees with branches that hang down (like weeping willow), along the property line, that will grow out over your neighbors' yards, causing a nuisance.

Since when did a tree become a nuisance? It's a farking tree. It brings shade, life, cools your house, en ...


LZeitgeist: rewind2846: TOSViolation: rewind2846: TOSViolation: If your neighbors can give you a compelling, logical reason for why you shouldn't do something on your property, the appropriate response is not, "To[sic] bad."

That's the problem... there is no "compelling, logical reason" unless that reason involves the potential destruction of other peoples' property. "Don't set your house on fire because the one next door might burn down" is a good example. "Don't let your grass get dry in a farking drought because we don't like the way it looks" is not.  If you're not paying my mortgage, and you're not a city, town state or federal official that I have given permission and power to over such matters, you can just jump up your own ass and suffocate.

I work hard for my money.
That money is used to pay my mortgage.
"My neighbors" are in no way involved with that transaction.
Therefore, they have no say in what I do with what I bought.
That is all.


This is how it should be on your own property.  In fact the town my parents live in is considering a town ord that will limit HOA power to the point of just the command area/roads.  As well as state that as long as the town gives the ok for a change/addition to a persons land that the HOA can't say the person can't do it. As well as saying that an HOA can't state that a person can't park x type/number of cars/trucks/boats/etc on the persons land.(this is to stop the HOA form telling people they can't have their work trucks/campers/boats parked at their house.
 
2014-01-09 12:23:07 PM
ok fark didn't let me preview when i said to and didn't see the double quote lol sorry.
 
2014-01-09 12:32:14 PM

rewind2846: LZeitgeist:

If you're not in an HOA, good for you. Quitcher biatchin'. You have no dog in this fight.

Dunno whether you have the grey matter to figure this out, but contracts are signed every single day without the parties involved being dicks. Happens all the time. And it's not the contracts that automatically make people act like dick either... they were usually dicks long before any papers were signed. So no, it's not the contracts that engender the hate for HOAs, IT'S THE DICKS THAT RUN THE HOAs.

"The law is the law" is a favorite rationale for people who refuse to think for themselves, and people who want an excuse for being dicks.

Which are you?


I'm the type that reads a farking contract before I sign it, do what I agreed to do by signing it, or don't sign it and walk away from the deal if I'm unwilling to do what it says I should do.

If someone who signs the contract follows the contract as they, of their own free will, legally bound themselves to do, then there are no 'dicks' involved in any facet of the situation, only responsible adults who are as good as their word.

The only 'dicks' that enter the situation are those who sign the contract and then say 'fark you' to the document they themselves chose to sign, and then whine and cry about being subjected to the repercussions they themselves agreed they would be bound under by signing the contract.

It seems obvious which one you are.
 
2014-01-09 12:33:10 PM

rewind2846: TOSViolation: rewind2846: TOSViolation: If your neighbors can give you a compelling, logical reason for why you shouldn't do something on your property, the appropriate response is not, "To[sic] bad."

That's the problem... there is no "compelling, logical reason" unless that reason involves the potential destruction of other peoples' property. "Don't set your house on fire because the one next door might burn down" is a good example. "Don't let your grass get dry in a farking drought because we don't like the way it looks" is not.  If you're not paying my mortgage, and you're not a city, town state or federal official that I have given permission and power to over such matters, you can just jump up your own ass and suffocate.

I work hard for my money.
That money is used to pay my mortgage.
"My neighbors" are in no way involved with that transaction.
Therefore, they have no say in what I do with what I bought.
That is all.

I'll give you a few examples:

1) You want to build a treehouse where it is overlooking your neighbor's swimming pool in such a way that kids will feel tempted to try to jump from it into your neighbor's pool.

Potential destruction of other peoples property (their children) and safety issues. Problem is not the treehouse, it's the farking dumbassed kids. Time and again there have been stories here on FARK where it's the aesthetics of the treehouse that the pissneighbors didn't like, and not anything related to potential property damage or injury. That is the problem.

2) You want to put up a baseball diamond in your yard where the balls will be hit in the direction of your neighbors' houses.

Potential destruction of other peoples' property. See above.

3) You want to plant stupid trees with branches that hang down (like weeping willow), along the property line, that will grow out over your neighbors' yards, causing a nuisance.

Since when did a tree become a nuisance? It's a farking tree. It brings shade, life, cools your house, enjoy it.

4) ...


The HOA is not to protect YOU.  It's to protect the people who don't want to live near you.  That's the beauty of HOAs.  You get to find out, up front, what your potential neighbors will and will not put up with.  That way, you don't have the unexpected situation where your neighbors biatch at you about the treehouse.  You know up front that you can or cannot do it.  Then, you can decide not to buy that house.

I'm not saying that all HOAs are perfect.  I'm just pointing out certain reasons why people might want an HOA.  If you don't agree with those reasons, that just strengthens their case for NEEDING the HOA to protect them from YOU.
 
2014-01-09 12:35:31 PM

TOSViolation: rewind2846: TOSViolation: rewind2846: TOSViolation: If your neighbors can give you a compelling, logical reason for why you shouldn't do something on your property, the appropriate response is not, "To[sic] bad."

That's the problem... there is no "compelling, logical reason" unless that reason involves the potential destruction of other peoples' property. "Don't set your house on fire because the one next door might burn down" is a good example. "Don't let your grass get dry in a farking drought because we don't like the way it looks" is not.  If you're not paying my mortgage, and you're not a city, town state or federal official that I have given permission and power to over such matters, you can just jump up your own ass and suffocate.

I work hard for my money.
That money is used to pay my mortgage.
"My neighbors" are in no way involved with that transaction.
Therefore, they have no say in what I do with what I bought.
That is all.

I'll give you a few examples:

1) You want to build a treehouse where it is overlooking your neighbor's swimming pool in such a way that kids will feel tempted to try to jump from it into your neighbor's pool.

Potential destruction of other peoples property (their children) and safety issues. Problem is not the treehouse, it's the farking dumbassed kids. Time and again there have been stories here on FARK where it's the aesthetics of the treehouse that the pissneighbors didn't like, and not anything related to potential property damage or injury. That is the problem.

2) You want to put up a baseball diamond in your yard where the balls will be hit in the direction of your neighbors' houses.

Potential destruction of other peoples' property. See above.

3) You want to plant stupid trees with branches that hang down (like weeping willow), along the property line, that will grow out over your neighbors' yards, causing a nuisance.

Since when did a tree become a nuisance? It's a farking tree. It brings shade, life, cools your house, enjoy it.

4) ...

The HOA is not to protect YOU.  It's to protect the people who don't want to live near you.  That's the beauty of HOAs.  You get to find out, up front, what your potential neighbors will and will not put up with.  That way, you don't have the unexpected situation where your neighbors biatch at you about the treehouse.  You know up front that you can or cannot do it.  Then, you can decide not to buy that house.

I'm not saying that all HOAs are perfect.  I'm just pointing out certain reasons why people might want an HOA.  If you don't agree with those reasons, that just strengthens their case for NEEDING the HOA to protect them from YOU.


Perfectly stated. You are one of the few in this thread that actually GET IT. Kudos.
 
2014-01-09 12:37:50 PM

Saturn5: Target Builder: deforge: it blows my mind that some artificial, non government sanctioned bullshiat of a make-belief authority can do this to someone elses property.

HOA is the epitomy of un-americanism. some small community turning communal dictatorship become some assholes in the past get paranoid over their property values.

You know state and local governments encourage the creation of HOA's, right?

In some areas, HOAs are required by local law if the subdivision is high density enough.  Chances are, if your lot is less than 1 acre, it falls in that range, but that varies from state to state.  In my city anything less than 20 years old inside the city limits pretty much requires an HOA.  My next house will be out in the boonies so I can avoid the hassle.



This is the part about HOAs I hate the most.  People keep posting if you don't want to be in one, don't buy a house in one...  well, if you need to move into civilization to get to a job, it can be incredibly hard to avoid an HOA now.  I suppose if you've owned your home for 30 or 40 years or more, you might be fine.  If not.... good luck.  There's nothing here unless you go hours away.  The county doesn't want to be responsible for anything inside any subdivision.  Even the horrible neighborhoods, and the townhouses, and whatever else have HOAs.
 
2014-01-09 12:38:50 PM

TOSViolation: I'm not saying that all HOAs are perfect.  I'm just pointing out certain reasons why people might want an HOA.  If you don't agree with those reasons, that just strengthens their case for NEEDING the HOA to protect them from YOU.


Could you be less american if you tried really really hard ?
 
2014-01-09 12:45:12 PM
I have a few  question for the those how like that HOA stop people around them form doing things that might effect their property values.  WHY?
Why do you care if the people round you wants to put up a treehouse/swingset for their kids/grandkids?
Why do you care if the people round you who might have to a truck loaded with equipment for work parks it in their driveways?
Why do you care if the people round you want to park their boats/rv/etc in their own yards instead of having to pay a fee to have it stored somewhere else?
Why do you care if the people round you want to paint their houses bright pink/yellow/whatever color they want?

I mean as long as their keep their yards mowed/pickup and not turn it into a junk yard then whats the issue with the rest?
 
2014-01-09 12:46:41 PM

you are a puppet: Gyrfalcon: you are a puppet: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

Agreed. Place a farking lien on it you shiatbags

(That's where foreclosure starts. Then if the homeowner continues to ignore them, they may collect the judgement.)

Or they can wait, and continue to hold the lien. Rather than foreclose on a $120,000 house to satisfy a $288 debt.


She could have paid the debt at any time. Foreclosure takes about six months to serve everyone have your hearings, and then you get a sale date two months later. She could have redeemed her house and canceled the sale at any time.
 
2014-01-09 01:06:57 PM

jumac: I have a few  question for the those how like that HOA stop people around them form doing things that might effect their property values.  WHY?
Why do you care if the people round you wants to put up a treehouse/swingset for their kids/grandkids?
Why do you care if the people round you who might have to a truck loaded with equipment for work parks it in their driveways?
Why do you care if the people round you want to park their boats/rv/etc in their own yards instead of having to pay a fee to have it stored somewhere else?
Why do you care if the people round you want to paint their houses bright pink/yellow/whatever color they want?

I mean as long as their keep their yards mowed/pickup and not turn it into a junk yard then whats the issue with the rest?


Some people have common sense and self-respect and respect for those who live around them and opt not to do things that could cause their property or anyone else's around them to become negatively affected.

Other people don't care about any of the above, not for themselves and not for anyone else.

Those are the ones that the people in the first notation choose to be protected from by agreeing to sign into an HOA community.

Those people in the second notation don't give a crap about anybody but themselves, and should be forced to live surrounded by other people who don't give a crap about anybody but themselves. If only life were so fair, then HOAs wouldn't be needed in the first place.
 
2014-01-09 01:26:36 PM

LZeitgeist: jumac: I have a few  question for the those how like that HOA stop people around them form doing things that might effect their property values.  WHY?
Why do you care if the people round you wants to put up a treehouse/swingset for their kids/grandkids?
Why do you care if the people round you who might have to a truck loaded with equipment for work parks it in their driveways?
Why do you care if the people round you want to park their boats/rv/etc in their own yards instead of having to pay a fee to have it stored somewhere else?
Why do you care if the people round you want to paint their houses bright pink/yellow/whatever color they want?

I mean as long as their keep their yards mowed/pickup and not turn it into a junk yard then whats the issue with the rest?

Some people have common sense and self-respect and respect for those who live around them and opt not to do things that could cause their property or anyone else's around them to become negatively affected.

Other people don't care about any of the above, not for themselves and not for anyone else.

Those are the ones that the people in the first notation choose to be protected from by agreeing to sign into an HOA community.

Those people in the second notation don't give a crap about anybody but themselves, and should be forced to live surrounded by other people who don't give a crap about anybody but themselves. If only life were so fair, then HOAs wouldn't be needed in the first place.


How would someone who live next you be effecting you form enjoying your property if they had a play area in their yards for their kids/grandkids or if their job requires them to have a work truck of some sort(power company/tow truck/etc) or if they are want to park an rv/boat in the backyard. or if they want their house a special color. I give you the answer IT don't effect you at all. If all you see it as is a decrease in your property value then why do you own a house to begin with lol if not to enjoy it and make it what you want.

This is the type of thinking that makes me glade my parents town is thinking of limiting HOA power so that they can't tell people what they can and can't do on their lands.
 
2014-01-09 01:30:47 PM

jumac: LZeitgeist: jumac: I have a few  question for the those how like that HOA stop people around them form doing things that might effect their property values.  WHY?
Why do you care if the people round you wants to put up a treehouse/swingset for their kids/grandkids?
Why do you care if the people round you who might have to a truck loaded with equipment for work parks it in their driveways?
Why do you care if the people round you want to park their boats/rv/etc in their own yards instead of having to pay a fee to have it stored somewhere else?
Why do you care if the people round you want to paint their houses bright pink/yellow/whatever color they want?

I mean as long as their keep their yards mowed/pickup and not turn it into a junk yard then whats the issue with the rest?

Some people have common sense and self-respect and respect for those who live around them and opt not to do things that could cause their property or anyone else's around them to become negatively affected.

Other people don't care about any of the above, not for themselves and not for anyone else.

Those are the ones that the people in the first notation choose to be protected from by agreeing to sign into an HOA community.

Those people in the second notation don't give a crap about anybody but themselves, and should be forced to live surrounded by other people who don't give a crap about anybody but themselves. If only life were so fair, then HOAs wouldn't be needed in the first place.

How would someone who live next you be effecting you form enjoying your property if they had a play area in their yards for their kids/grandkids or if their job requires them to have a work truck of some sort(power company/tow truck/etc) or if they are want to park an rv/boat in the backyard. or if they want their house a special color. I give you the answer IT don't effect you at all. If all you see it as is a decrease in your property value then why do you own a house to begin with lol if not to enjoy it and make it what you want.

This is the type of thinking that makes me glade my parents town is thinking of limiting HOA power so that they can't tell people what they can and can't do on their lands.


Not everything you specifially mention decreases property value and neighborhood attractiveness. Some of those things enhance it and would be welcome.

The problem isn't the things that do or don't - the problem is the people who don't give a flying fark.

If you don't care, then please, by all means, live somewhere else. You'd be doing both yourself and your neighbors a favor.
 
2014-01-09 01:47:18 PM
Honestly, people, it's just this simple:

If you don't want to be bound by HOA rules, then DON'T BUY PROPERTY IN AN HOA NEIGHBORHOOD. You don't want them and they don't want you.

I swear, the lot of you whiners would order food in a sushi bar and then complain to the management that somebody put raw fish on your plate.
 
2014-01-09 01:50:46 PM
LZeitgeist:

Its not that i don't care. It that when I get my 1st house/land I want to be able to enjoy it the way I want to.  People who turn their yards into junkyards or trash it out and don't keep care of it shouldn't own land lol.

My biggest complaint with HOA is not what they are for is what they become after a while.  There are at lest 10 or so HOA in a 20 mile area of me.  Everyone  of them started out as just dealing with the command areas/roads. But in everyone of them after a few years they got those people who didn't want to see play sets outside or work trucks in driveways and got elected to the HOA boards and then stuff goes down hill.

If I could find a HOA that its only job was to deal with the command area/roads and left what each person did with their lands up to what the town/city the HOA is located in lets by permit and I could 100% be sure that that would never change then I would consider a HOA.   But the only way that would happen is 1 of 2 things happen. 1st the state made a law that limited the HOA power to just command area/roads and to help in force the cities/towns rules or 2nd as the town my parents are living in are considering making  such a law/ord for that town.
 
2014-01-09 01:55:23 PM

LZeitgeist: Honestly, people, it's just this simple:

If you don't want to be bound by HOA rules, then DON'T BUY PROPERTY IN AN HOA NEIGHBORHOOD. You don't want them and they don't want you.

I swear, the lot of you whiners would order food in a sushi bar and then complain to the management that somebody put raw fish on your plate.


Are you actually stupid or just trolling?

A better example would be:  If your city/state mandated that all new restaurants be a sushi restaurant and that if any existing restaurant has any renovations or menu changes it has to be converted to all sushi.

There's a lot of major population centers where you have near zero choice in the matter.  If you want a house, you have to be in a HOA.
 
2014-01-09 01:58:28 PM

Satanic_Hamster: LZeitgeist: Honestly, people, it's just this simple:

If you don't want to be bound by HOA rules, then DON'T BUY PROPERTY IN AN HOA NEIGHBORHOOD. You don't want them and they don't want you.

I swear, the lot of you whiners would order food in a sushi bar and then complain to the management that somebody put raw fish on your plate.

Are you actually stupid or just trolling?

A better example would be:  If your city/state mandated that all new restaurants be a sushi restaurant and that if any existing restaurant has any renovations or menu changes it has to be converted to all sushi.

There's a lot of major population centers where you have near zero choice in the matter.  If you want a house, you have to be in a HOA.


This is the real tyranny.
 
2014-01-09 02:08:02 PM

jumac: LZeitgeist:

Its not that i don't care. It that when I get my 1st house/land I want to be able to enjoy it the way I want to.  People who turn their yards into junkyards or trash it out and don't keep care of it shouldn't own land lol.

My biggest complaint with HOA is not what they are for is what they become after a while.  There are at lest 10 or so HOA in a 20 mile area of me.  Everyone  of them started out as just dealing with the command areas/roads. But in everyone of them after a few years they got those people who didn't want to see play sets outside or work trucks in driveways and got elected to the HOA boards and then stuff goes down hill.

If I could find a HOA that its only job was to deal with the command area/roads and left what each person did with their lands up to what the town/city the HOA is located in lets by permit and I could 100% be sure that that would never change then I would consider a HOA.   But the only way that would happen is 1 of 2 things happen. 1st the state made a law that limited the HOA power to just command area/roads and to help in force the cities/towns rules or 2nd as the town my parents are living in are considering making  such a law/ord for that town.


So volunteer for or get elected to the HOA, and work to keep it from going downhill. If you stand back and do nothing, then you have no room to complain about what goes on.

There are other options than simply being a sheep or a victim.
 
2014-01-09 02:09:27 PM

Satanic_Hamster: LZeitgeist: Honestly, people, it's just this simple:

If you don't want to be bound by HOA rules, then DON'T BUY PROPERTY IN AN HOA NEIGHBORHOOD. You don't want them and they don't want you.

I swear, the lot of you whiners would order food in a sushi bar and then complain to the management that somebody put raw fish on your plate.

Are you actually stupid or just trolling?

A better example would be:  If your city/state mandated that all new restaurants be a sushi restaurant and that if any existing restaurant has any renovations or menu changes it has to be converted to all sushi.

There's a lot of major population centers where you have near zero choice in the matter.  If you want a house, you have to be in a HOA.


Nobody's making you buy that house. You are choosing to do so.
 
2014-01-09 02:12:00 PM

ErinPac: I suppose if you've owned your home for 30 or 40 years or more, you might be fine.  If not.... good luck.


Can't you just buy a house with a clear deed from somebody who has owned their home for 30 or 40 years?  Or do the municipal regs require an HOA rider to be added to the deed upon transfer now?

I know, a creaky old 800sf Cape Cod doesn't have the same curb appeal as an 1800sf white-washed McMansion with the 2-story bay windows, but sometimes tradeoffs are necessary.
 
2014-01-09 02:12:06 PM

jumac: Its not that i don't care. It that when I get my 1st house/land I want to be able to enjoy it the way I want to. People who turn their yards into junkyards or trash it out and don't keep care of it shouldn't own land lol.

My biggest complaint with HOA is not what they are for is what they become after a while. There are at lest 10 or so HOA in a 20 mile area of me. Everyone of them started out as just dealing with the command areas/roads. But in everyone of them after a few years they got those people who didn't want to see play sets outside or work trucks in driveways and got elected to the HOA boards and then stuff goes down hill.

If I could find a HOA that its only job was to deal with the command area/roads and left what each person did with their lands up to what the town/city the HOA is located in lets by permit and I could 100% be sure that that would never change then I would consider a HOA. But the only way that would happen is 1 of 2 things happen. 1st the state made a law that limited the HOA power to just command area/roads and to help in force the cities/towns rules or 2nd as the town my parents are living in are considering making such a law/ord for that town.


Yep.  Too many cross over the lines of duplicating normal city ordinances and being mindless busy bodies in the name of "protecting property values."

Reasonable:
No cars on blocks on your lawn.
No indoor couches on your porch.

Unreasonable:
Saying homeowners can't own pickup trucks period or have a company vehicle parked inside their garage/driveway.
Mandating the types of plants you're allowed to plant down to shrubbery.
Mandating what kind of guests you can have at your house and for how long.
Having approval/veto rights on all home renovations, including ones that take place entirely inside.

When the restrictions are to the point you can't tell if you're living in a house you own or an apartment you're renting, what's the point of owning a house?

(looking for a house now, suburb of Houston)
(Christ am I hesitant/nervous/not trusting of HOAs)
 
2014-01-09 02:14:43 PM

LZeitgeist: There are other options than simply being a sheep or a victim.


Oooo, ooo, call him a sheeple next!

LZeitgeist: Nobody's making you buy that house. You are choosing to do so.


So entire regions can deny people the ability to own homes due to HOAs, under your logic?  You're right, we'll just let the Free Market solve everything.  Obviously, if people don't like it, they'd all just move or refuse to move to those areas!
 
2014-01-09 02:26:59 PM

Satanic_Hamster: LZeitgeist: There are other options than simply being a sheep or a victim.

Oooo, ooo, call him a sheeple next!

LZeitgeist: Nobody's making you buy that house. You are choosing to do so.

So entire regions can deny people the ability to own homes due to HOAs, under your logic?  You're right, we'll just let the Free Market solve everything.  Obviously, if people don't like it, they'd all just move or refuse to move to those areas!


Actually yes, that's completely accurate. Thanks for finally understanding. You're welcome!
 
2014-01-09 03:25:51 PM

fredklein: rikkitikkitavi: The new property owner is required to pay the HOA dues. So revenue is generated, whether it is vacant or not. The HOA foreclosed on the house, to force a deliquent non-paying owner out, replacing them with a paying (perhaps non-occupant) owner. So no, your logic fails.

If the HOA forecloses, then the HOA is the new owner. They pay themselves dues? How does that make them money?


No. The HOA can sell the house at auction.  So the new owner is the new owner, the HOA forced the sale. Perhaps a bank, or a person, or a holding company.  So they would, as owners, be paying the HOA dues.

And it's clear who owns houses and who doesn't.  Most of you have no idea what you're talking about but have painted this world in the minimalist pallet afforded with sensationalist stories such as this.  Good grief.
 
2014-01-09 03:43:53 PM

cuzsis: you are a puppet: ReapTheChaos: I don't give a shiat what a contract says, an HOA should not be able to foreclose on any home for any reason. They can take the person to court and garnish their wages if necessary, but taking their home is simply farked up.

Agreed. Place a farking lien on it you shiatbags

This.

 Also, how the fark can they legally take a home worth $120,000 for $288?

 Seems like they owe her $119,712...

/she should sue



that's not how it works: part of the sale proceeds (so the $288, plus whatever expenses there were in forcing the sale) go to the HOA, the amount of the mortgage to the bank, then whatever is left over goes to her
 
2014-01-09 03:53:11 PM

eatin' fetus: I swear to god I will pistol whip the next person who says "HOA's"


Like:

Maintenance was the HOA's responsibility.

Is that your pool? No, it is the HOA's pool.
 
2014-01-09 03:56:00 PM

cuzsis: drumhellar: cuzsis: Also, how the fark can they legally take a home worth $120,000 for $288?

Seems like they owe her $119,712...

They don't keep all the money - just the fine + the cost of forcing a foreclosure. Of course, if she had a mortgage to pay, the rest of the money would go to the bank to pay the mortgage. Since the house is usually sold at auction for a lot less than it's worth, the former owner is on the hook for the remainder. In her case, it's $30,000.

Agreeing to sell the house for less than it was worth is their problem/stupidity. It doesn't change what the house was worth as an asset to both the bank the homeowner. And that was made by a professional assessment by the county and/or bank when she bought the house. This means they essentially "stole" money from her. And it was a hell of a lot more than $288.

Perhaps she can sell their houses now?

 It would be like if someone took your car, sold it for $12 and gave you the $12 as "payment" for the car. Pretty sure you'd throw their ass in jail for felonious theft, yes?

 /I'm not saying the home owner isn't stupid, she definitely is, but in this case the HOA is the greater of the two....by a lot.


the bank usually makes sure the place is sold for as close to the mortgage debt as possible, and they will oppose a sale for less than that
 
2014-01-09 04:01:13 PM
shortymac:
I don't live in a HOA and my Dad has taken asshat neighbors to court over shiat like this. He'd film the asshat neighbors dog barking for hours in their yard (it was borderline animal abuse what they did) and got judgments on them.

You don't need a HOA to protect you.


My cousin lived with a neighbour like that.   The old bitty would put her yappy little mutt outside where they would bark all night long.  Poor little thing died one night of high velocity lead poisoning.
 
2014-01-09 04:34:55 PM

LZeitgeist: Actually yes, that's completely accurate. Thanks for finally understanding. You're welcome!


I'm glad we have that settled!  No one is allowed to complain about home owners associations because they either moved into one willingly or they aren't living in one.
 
2014-01-09 04:39:21 PM

poot_rootbeer: ErinPac: I suppose if you've owned your home for 30 or 40 years or more, you might be fine.  If not.... good luck.

Can't you just buy a house with a clear deed from somebody who has owned their home for 30 or 40 years?  Or do the municipal regs require an HOA rider to be added to the deed upon transfer now?

I know, a creaky old 800sf Cape Cod doesn't have the same curb appeal as an 1800sf white-washed McMansion with the 2-story bay windows, but sometimes tradeoffs are necessary.


Generally, no.  Even that far back some still chose to be HOA's, so you'd still have to find the odd one that wasn't.  In addition, a lot of those people probably retired in those houses... so if it's selling, there's a decent chance it's an estate sale that went to auction.  I've tried looking at those but they want the cash within 48 hours (and 15% at bid time) and have little or no chance to inspect the house, plus its hard to compete with the professionals there.  Whether at auction or not, they tend to get bought for more by developers and then joined to HOA's, as the new houses sell for more and there are few empty lots.  Some also do get added at sales, if they are near any HOA subdivision.  If they aren't, there's a good chance they are somewhere that's becoming business area or has some other reason for not becoming subdivisions, so it might end up sold for something else entirely.  Also, when my parents moved here a bit over 20 years ago, the county was already requiring HOA's and there wasn't much old development here even then.  I moved back due to a job transfer in May and have been watching the housing market since then.

I did look into one house that had none, but it is also old enough to have no utilities.  Well water run to one bathroom and the kitchen sink, no central heat or air, no cable, old inadequete not meeting code wiring, no dishwasher, no clothes washer/dryer or the necessary hookups, etc.  The staircase needs to be replaced,   It would probably cost too much just to make sure it stays warm in the winter, and the asking price without any fixes was already pushing my budget.  It's not just 800 sqft vs 1800 sqft... it's more like 600 vs 2300 and also cost significantly more and was in worse repair.  I looked anyways trying to think how much I could just take forever to do myself, and make just one room livable in the meantime, but it's beyond me.  I suspect they are waiting for the new subdivision that was build between it and the closest significant road to offer to buy them out, but that developer is progressing slowly.

I think my only real chance would be finding a lot nobody is at all interested in, probably in an undesirable location not near any decent road, but it would already have to have a house on it - preferably a piece of junk so it won't be outrageous to "rebuild" from basically nothing.

Seriously, the ONLY listings on the MLS right now within 20 miles further from work, up to work (about 45 miles in that direction), are either in HOAs, not in livable conditions, or are about $200K above my price range.  I've been searching for a about 7 months now.  Eventually I'll give up and find an HOA that is as small and limited as possible, though I'm not quite at the desparate point yet.  I keep thinking I can add to my down payment enough to give me more options, but it's unlikely.

Basically, you can choose between an HOA, apartment rules, a landlord AND an HOA, or you can spend a couple years prowling the obituaries.
 
2014-01-09 04:39:42 PM

Lord Apathy: shortymac:
I don't live in a HOA and my Dad has taken asshat neighbors to court over shiat like this. He'd film the asshat neighbors dog barking for hours in their yard (it was borderline animal abuse what they did) and got judgments on them.

You don't need a HOA to protect you.

My cousin lived with a neighbour like that.   The old bitty would put her yappy little mutt outside where they would bark all night long.  Poor little thing died one night of high velocity lead poisoning.


Animal Cruelty on the owners part is a misdemeanor.  Killing the dog is a Class 6 felony.  What an asshole. The owner should have been taken to court and someone else should have taken the dog. I suspect discharging a firearm in a residential neighborhood was also illegal.  Assholes.
 
2014-01-09 05:09:58 PM

robertmeerdahl: that's not how it works: part of the sale proceeds (so the $288, plus whatever expenses there were in forcing the sale) go to the HOA, the amount of the mortgage to the bank, then whatever is left over goes to her


But they have no incentive to get the best available price, which is why you hear stories about them doing this kind of thing and then selling the house for $10,000.  That way, they all get their money, and they can sell the house to the HOA presidents brother in law for pennies on the dollar.
 
2014-01-09 05:17:47 PM

Satanic_Hamster: LZeitgeist: Actually yes, that's completely accurate. Thanks for finally understanding. You're welcome!

I'm glad we have that settled!  No one is allowed to complain about home owners associations because they either moved into one willingly or they aren't living in one.


Actually, yes. You may have just typed the most intelligent comment on Fark EVER.
 
2014-01-09 05:37:52 PM

lizyrd: Eh. I loathe homeowners' associations, but six years of not opening any of the HOA's mail? Six years behind on payments that not only maintain the stuff she "didn't use," but the streets, signage, community-owned open space and the like. She owed a small amount, and foreclosure seems extreme, but I'm having trouble finding my give-a-fark.


losing one's home is not exactly a just penalty for the crime of being willfully ignorant for 6 years. Just sayin'
 
2014-01-09 06:22:40 PM

Chaghatai: lizyrd: Eh. I loathe homeowners' associations, but six years of not opening any of the HOA's mail? Six years behind on payments that not only maintain the stuff she "didn't use," but the streets, signage, community-owned open space and the like. She owed a small amount, and foreclosure seems extreme, but I'm having trouble finding my give-a-fark.

losing one's home is not exactly a just penalty for the crime of being willfully ignorant for 6 years. Just sayin'


What would it take to get her attention?
 
2014-01-09 06:46:07 PM

LZeitgeist: Satanic_Hamster: LZeitgeist: Actually yes, that's completely accurate. Thanks for finally understanding. You're welcome!

I'm glad we have that settled!  No one is allowed to complain about home owners associations because they either moved into one willingly or they aren't living in one.

Actually, yes. You may have just typed the most intelligent comment on Fark EVER.


my lord LZeitgeist, would you please guide us with your infinite wisdom as to the subjects we are allowed to discuss please?
 
2014-01-09 06:47:37 PM

LZeitgeist: Chaghatai: lizyrd: Eh. I loathe homeowners' associations, but six years of not opening any of the HOA's mail? Six years behind on payments that not only maintain the stuff she "didn't use," but the streets, signage, community-owned open space and the like. She owed a small amount, and foreclosure seems extreme, but I'm having trouble finding my give-a-fark.

losing one's home is not exactly a just penalty for the crime of being willfully ignorant for 6 years. Just sayin'

What would it take to get her attention?


now, this is a wild idea... stay with me here... this is radical.... I am sure it's never been thought of, but how about a knock or phone call? No, I know... too radical to consider... nevermind.
 
2014-01-09 07:08:17 PM

HindiDiscoMonster: LZeitgeist: Chaghatai: lizyrd: Eh. I loathe homeowners' associations, but six years of not opening any of the HOA's mail? Six years behind on payments that not only maintain the stuff she "didn't use," but the streets, signage, community-owned open space and the like. She owed a small amount, and foreclosure seems extreme, but I'm having trouble finding my give-a-fark.

losing one's home is not exactly a just penalty for the crime of being willfully ignorant for 6 years. Just sayin'

What would it take to get her attention?

now, this is a wild idea... stay with me here... this is radical.... I am sure it's never been thought of, but how about a knock or phone call? No, I know... too radical to consider... nevermind.


Well she got 30 pieces of mail and two registered letters from a lawfirm... from what the article said, it doesn't sound like she was home enough to answer the phone, either.

Fark her.
 
2014-01-09 07:09:40 PM

HindiDiscoMonster: LZeitgeist: Satanic_Hamster: LZeitgeist: Actually yes, that's completely accurate. Thanks for finally understanding. You're welcome!

I'm glad we have that settled!  No one is allowed to complain about home owners associations because they either moved into one willingly or they aren't living in one.

Actually, yes. You may have just typed the most intelligent comment on Fark EVER.

my lord LZeitgeist, would you please guide us with your infinite wisdom as to the subjects we are allowed to discuss please?


Actually, I prefer Grand Poohbah Zeitgeist. But I'll have my minions write up a list and let you know.
 
2014-01-09 07:13:16 PM

LZeitgeist: HindiDiscoMonster: LZeitgeist: Chaghatai: lizyrd: Eh. I loathe homeowners' associations, but six years of not opening any of the HOA's mail? Six years behind on payments that not only maintain the stuff she "didn't use," but the streets, signage, community-owned open space and the like. She owed a small amount, and foreclosure seems extreme, but I'm having trouble finding my give-a-fark.

losing one's home is not exactly a just penalty for the crime of being willfully ignorant for 6 years. Just sayin'

What would it take to get her attention?

now, this is a wild idea... stay with me here... this is radical.... I am sure it's never been thought of, but how about a knock or phone call? No, I know... too radical to consider... nevermind.

Well she got 30 pieces of mail and two registered letters from a lawfirm... from what the article said, it doesn't sound like she was home enough to answer the phone, either.

Fark her.


you know, they have these wonderful new inventions called cellphones... they work almost anywhere... i know, weird huh?
 
2014-01-09 07:14:06 PM

LZeitgeist: HindiDiscoMonster: LZeitgeist: Satanic_Hamster: LZeitgeist: Actually yes, that's completely accurate. Thanks for finally understanding. You're welcome!

I'm glad we have that settled!  No one is allowed to complain about home owners associations because they either moved into one willingly or they aren't living in one.

Actually, yes. You may have just typed the most intelligent comment on Fark EVER.

my lord LZeitgeist, would you please guide us with your infinite wisdom as to the subjects we are allowed to discuss please?

Actually, I prefer Grand Poohbah Zeitgeist. But I'll have my minions write up a list and let you know.


don't bother, you arrogance and ignorance speak volumes. adios...

plonk
 
2014-01-09 07:31:58 PM

HindiDiscoMonster: LZeitgeist: HindiDiscoMonster: LZeitgeist: Chaghatai: lizyrd: Eh. I loathe homeowners' associations, but six years of not opening any of the HOA's mail? Six years behind on payments that not only maintain the stuff she "didn't use," but the streets, signage, community-owned open space and the like. She owed a small amount, and foreclosure seems extreme, but I'm having trouble finding my give-a-fark.

losing one's home is not exactly a just penalty for the crime of being willfully ignorant for 6 years. Just sayin'

What would it take to get her attention?

now, this is a wild idea... stay with me here... this is radical.... I am sure it's never been thought of, but how about a knock or phone call? No, I know... too radical to consider... nevermind.

Well she got 30 pieces of mail and two registered letters from a lawfirm... from what the article said, it doesn't sound like she was home enough to answer the phone, either.

Fark her.

you know, they have these wonderful new inventions called cellphones... they work almost anywhere... i know, weird huh?


Personal responsibility... look it up, read about it, learn it. It will get you far in life, Grasshopper.
 
2014-01-09 07:41:59 PM

HindiDiscoMonster: LZeitgeist: HindiDiscoMonster: LZeitgeist: Satanic_Hamster: LZeitgeist: Actually yes, that's completely accurate. Thanks for finally understanding. You're welcome!

I'm glad we have that settled!  No one is allowed to complain about home owners associations because they either moved into one willingly or they aren't living in one.

Actually, yes. You may have just typed the most intelligent comment on Fark EVER.

my lord LZeitgeist, would you please guide us with your infinite wisdom as to the subjects we are allowed to discuss please?

Actually, I prefer Grand Poohbah Zeitgeist. But I'll have my minions write up a list and let you know.

don't bother, you arrogance and ignorance speak volumes. adios...

plonk


Ohhhh, boohoooohoooo... :'-(

HinduDiscountMonster doesn't like me... *sob*

However shall I go on...
 
2014-01-09 09:33:29 PM

TOSViolation: I'm not saying that all HOAs are perfect. I'm just pointing out certain reasons why people might want an HOA.


As has been explained in this and many other threads, they want the HOA so that they can control you. For some reason too many of the people who infest these abominations of piss poor urban planning have an innate desire to have everything in their lives the way they want it, and by FSM they will indeed have it even if they have to piss everyone else off to get it. Just as these covenants were designed to keep minorities and other "undesirables" out of lily-white suburbs, so they are still being used today to control those whom the law says have to be let in now.

That is why they get the hate, and will always get the hate. People got along in neighborhoods for hundreds of years before these city planners bastard afterbirth children were invented, and they can do so now... but that when neighbors actually talked to each other like real adults. Now it's all about passive-aggressive pussies filing liens for grass that's 1/32nd of an inch too farking long.

Fark HOAs. Fark the control freaks that want them. And fark the idiots who pulled the idea out of their asses in the first place.
 
2014-01-09 10:27:28 PM

hardinparamedic: What should happen to HOAs when the revolution comes:

[s3.amazonaws.com image 490x315]


Not a fan of the 6th Amendment, I see.
 
2014-01-09 10:30:41 PM

rewind2846: TOSViolation: I'm not saying that all HOAs are perfect. I'm just pointing out certain reasons why people might want an HOA.

As has been explained in this and many other threads, they want the HOA so that they can control you. For some reason too many of the people who infest these abominations of piss poor urban planning have an innate desire to have everything in their lives the way they want it, and by FSM they will indeed have it even if they have to piss everyone else off to get it. Just as these covenants were designed to keep minorities and other "undesirables" out of lily-white suburbs, so they are still being used today to control those whom the law says have to be let in now.

That is why they get the hate, and will always get the hate. People got along in neighborhoods for hundreds of years


No, no they did not.  That's why every modern city has zoning regulations.

Go live in Lagos, Nigeria for a year; you'll see what I mean.

As far as HOAs go, you're ignoring the huge numbers of them that DON'T make the news, like mine.
 
2014-01-09 11:03:09 PM

syrynxx: I will give a nickel to anyone who can prove that they read every single word of the 35 pages of documents you have to sign to buy/refinance a house.


If you can afford to buy a house (as in really afford to buy a house, 20% down and pay your own fees) you can afford to drop a couple grand on a lawyer to do that for you and tell you the important stuff.
 
2014-01-09 11:09:17 PM

PunGent: As far as HOAs go, you're ignoring the huge numbers of them that DON'T make the news, like mine.


The news ignores hundreds of people who don't die from gunshot wounds and stabbings as well.
Does that automagically mean that gunshot wounds and stabbings are just peachy-keen if they don't kill you?

HOAs suck. The end.

You want to live in a "neighborhood" (in quotes because in the majority of the ones I've seen, including some my friends live in, people have no idea who the fark their neighbors are) where everything's the same by force... I can't help you with that. It's just sad. When I bought my house, I bought it for me to live in, not the people next door. What they do with their house, I don't care. If they're that concerned with my property, I expect a check from them every month... responsibility costs.

As for that "house value" bullsh*t... when you're buying it, when you're selling it, and when it's being assessed for property tax are the only times when that should be an issue. If someone is stupid enough to take out a "home improvement loan" (that is what they used to be called) for anything other than emergency medical or funeral bills, their children's education, or even improving their house (the intended purpose), then they're a dumb f*cker and deserve to have the value drop - preferably right after they come back from the cruise they bought or just as the ink dries on the contract for that new car, boat or big screen tv they just threw money at. It's not a f*cking piggy bank that should be used to live beyond their paycheck... it's a house. Live in it and enjoy.
 
2014-01-09 11:48:58 PM

rewind2846: PunGent: As far as HOAs go, you're ignoring the huge numbers of them that DON'T make the news, like mine.

The news ignores hundreds of people who don't die from gunshot wounds and stabbings as well.
Does that automagically mean that gunshot wounds and stabbings are just peachy-keen if they don't kill you?

HOAs suck. The end.

You want to live in a "neighborhood" (in quotes because in the majority of the ones I've seen, including some my friends live in, people have no idea who the fark their neighbors are) where everything's the same by force... I can't help you with that. It's just sad. When I bought my house, I bought it for me to live in, not the people next door. What they do with their house, I don't care. If they're that concerned with my property, I expect a check from them every month... responsibility costs.

As for that "house value" bullsh*t... when you're buying it, when you're selling it, and when it's being assessed for property tax are the only times when that should be an issue. If someone is stupid enough to take out a "home improvement loan" (that is what they used to be called) for anything other than emergency medical or funeral bills, their children's education, or even improving their house (the intended purpose), then they're a dumb f*cker and deserve to have the value drop - preferably right after they come back from the cruise they bought or just as the ink dries on the contract for that new car, boat or big screen tv they just threw money at. It's not a f*cking piggy bank that should be used to live beyond their paycheck... it's a house. Live in it and enjoy.



this is what i don't understand.  All towns have rules bout what you can and can't do on your land to ensure you don't turn it into junkyard/let the grass over grow.  Why would someone want to buy a house that has extra rules on what you can and can't do on your land.

And no one has answered one question i asked up thread.  Why do hoa stop people form parking work trucks in their driveways.  I have a few friends who live in HOA's but work for a power/cable company or work in auto repair and sometimes to have their work trucks with them if they are on call for a night or 2 a week.  But because their hoa say that they can't have their work trucks in their driveways cause it make the place look bad(thus lowering property values) they have to figure out ways of dealing with it.  One guy rents a hotel room for those nights.
 
2014-01-10 12:24:24 AM

Ker_Thwap: It would seem that the type of people who want a HOA to start with, would want the manicured lawns, the uniformity, the nitpicking.

To see people furious about DNA testing for dog poop makes me laugh.  It tells me they're the worst kind of hypocrites, who want everyone else to maintain perfection, but they should somehow be allowed to do their own thing.

Moral: If you're willing to limit yourself to the group rules, go ahead and buy within a HOA, but don't complain after the fact.


+1

if you have a problem with dookie dna, you are a guilty crap on the lawn leaving piece of sheet.
 
2014-01-10 12:39:42 AM

jumac: rewind2846: PunGent: As far as HOAs go, you're ignoring the huge numbers of them that DON'T make the news, like mine.

The news ignores hundreds of people who don't die from gunshot wounds and stabbings as well.
Does that automagically mean that gunshot wounds and stabbings are just peachy-keen if they don't kill you?

HOAs suck. The end.

You want to live in a "neighborhood" (in quotes because in the majority of the ones I've seen, including some my friends live in, people have no idea who the fark their neighbors are) where everything's the same by force... I can't help you with that. It's just sad. When I bought my house, I bought it for me to live in, not the people next door. What they do with their house, I don't care. If they're that concerned with my property, I expect a check from them every month... responsibility costs.

As for that "house value" bullsh*t... when you're buying it, when you're selling it, and when it's being assessed for property tax are the only times when that should be an issue. If someone is stupid enough to take out a "home improvement loan" (that is what they used to be called) for anything other than emergency medical or funeral bills, their children's education, or even improving their house (the intended purpose), then they're a dumb f*cker and deserve to have the value drop - preferably right after they come back from the cruise they bought or just as the ink dries on the contract for that new car, boat or big screen tv they just threw money at. It's not a f*cking piggy bank that should be used to live beyond their paycheck... it's a house. Live in it and enjoy.


this is what i don't understand.  All towns have rules bout what you can and can't do on your land to ensure you don't turn it into junkyard/let the grass over grow.  Why would someone want to buy a house that has extra rules on what you can and can't do on your land.

And no one has answered one question i asked up thread.  Why do hoa stop people form parking work truc ...


absolute power corrupts absolutely.
this is the problem when a handful of a-holes are given control of a community.
people are sheep. refer to the bell curve argument....if people don't have a work truck, they just don't farking care.

when you get older you will start to understand.

example:
HOA rule 202.
Tenants cannot have cheap white plastic furniture on the balcony unless approved by the board. only natural looking materials are acceptable in areas visible by the public or other tenants.

so it seems stupid? fascist?
that means you can't put that chinese made walmart crap on your balcony?

but who cares?

if i don't have wal-fooking-mart crap on my balcony, why should i care if cleetus does?

f*ck cleetus and his walmart crap.

people that shop at walmart and assholes anyway, and want to buy chinese crap until the fricking chinese own america.

/unless they are poor and have to buy milk and diapers.

what were we talking about?
 
2014-01-10 12:45:42 AM
People who live in higher than median income homes prefer to live in an HOA.
 
2014-01-10 03:51:13 AM

cuzsis:  Also, how the fark can they legally take a home worth $120,000 for $288?

 Seems like they owe her $119,712...

/she should sue


Legally speaking all they can take from the sale of the home is $288 and certain sale costs.  On the other hand when a home goes for auction(like in this case) it's like the difference between paying retail and wholesale - The dude who bought the house probably paid ~60% of that $120k.

On the other hand, I'd probably point out to said buyer that he's not getting a sellable house anytime soon.  As the former legal owner I can make a sufficient stink between court cases and turning my house into a super-fund site to cost him more than 3X as much.

lizyrd: Eh. I loathe homeowners' associations, but six years of not opening any of the HOA's mail? Six years behind on payments that not only maintain the stuff she "didn't use," but the streets, signage, community-owned open space and the like. She owed a small amount, and foreclosure seems extreme, but I'm having trouble finding my give-a-fark.


She opened them.  She claimed that because she didn't use the common areas the HOA fees paid for that she thought she didn't have to pay.  I still think that an in-person visit should be required in cases like this.

JuggleGeek: I also expect to hear about shootings over this kind of thing. A house is usually the most expensive thing someone owns. You want to steal their house over a couple of hundred bucks? Sooner or later, you're going to piss off the wrong person, and he's going to take it out on you.


I'd guess that somebody passionate enough to engage in such actions will also be passionate enough to get the problem taken care of earlier.

TWX: The only one that I am less happy with is a prohibition on non-TV antennas, but given the problems in the late seventies with the CB craze this isn't a surprise.


It's not just TV antennas that the FCC would come down on them for...

starsrift: It's gonna be real funny when these mortgages get paid off in 10-15 years.
"Here's a fine for not cutting your grass."
"That's nice. What are you going to do about it?"
"For--"
"No mortgage to foreclose on. So, fark you, asshole."



Your HOA fees are independent of your mortgage; they can still do it.
 
2014-01-10 08:41:58 AM

Harry_Seldon: People who live in higher than median income homes prefer to live in an HOA.


I could never see preferring to live in an area where someone could sell my house for the price of top-end dinner date because I don't read snail mail.  Who the fark reads snail mail these days?
 
2014-01-10 10:38:30 AM

syrynxx: Harry_Seldon: People who live in higher than median income homes prefer to live in an HOA.

I could never see preferring to live in an area where someone could sell my house for the price of top-end dinner date because I don't read snail mail.  Who the fark reads snail mail these days?


People who prefer to not have their house foreclosed on, apparently.
 
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