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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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16745 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»



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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.
 
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