carguy123 wrote:
Billy I've got an attorney friend who deals with HOAs and the reason I said fees is that they lump them all together and start the proceedings which requires so much money to fight that the homeowner is forced to pay virtually anything the HOA says they need to pay.
All that proves is that some HOAs file suits they can't win. People file suits they can't win every day. My statement of the law in Texas is correct. An HOA cannot foreclose for non-payment of anything other than an assessment. If an HOA attempted to do so, it would be very easy for the homeowner to win that case on summary judgment, and the homeowner would likely be able to collect attorney's fees.
Is it worth it to do so if the dispute is only over a couple of hundred bucks? Maybe not, but the fact that a homeowner isn't willing to fight doesn't mean that the law doesn't protect him.
Moreover, the issue in 99% of the cases I've seen is that the homeowners who don't pay their fines are also the ones who don't pay assessments, so they set themselves up to lose. You always, always, always pay your assessment, no matter what other dispute you have with the HOA.
carguy123 wrote:
And liens cost the homeowner money and you can't easily fight it. The time to fight it is before it becomes a lien.
True, but anybody can put a lien on any property for any reason. If I knew your address, I could put a lien on your house. It'd take me longer to get to the courthouse to record it than it would to fill out the form. Whether the lien is valid or not is a different question. It doesn't necessarily cost any money to clear an invalid lien when you sell.
Example: when I sold my prior house, someone had put a lien on it relating to some civil judgment against some guy with the same last name and first initial. All I had to do was sign an affidavit saying I wasn't that guy. The title company attorney put together the affidavit, and I signed it. It didn't cost me anything (at least as an itemized charge).
People get their knickers in a twist when you use words like "lien" and "foreclose." There's no reason to. Yes, the HOA can file a foreclosure suit. It doesn't mean they can win. Yes, the HOA can file a lien. It doesn't mean they can collect. If you really want to screw with an HOA, have a lawyer respond to the nasty letter or, better yet, sue them first. You'd be surprised how quickly most of them will heel.
It's just like dealing with a dog or a bully (which is what most HOA board members really are). You can't ever show fear or let them think they're running the show. If you do, you've already lost.
carguy123 wrote:
The HOA has way too much power when compared to the little old homeowner.
I agree with that statement. Its why I got on the board of mine. If you can't beat 'em, join 'em. It was cheaper than moving, and the devil you know is better than the devil you don't.
However, I don't agree that the homeowner is powerless. You just have to know your rights (and responsibilities) and be willing to defend (fulfill) them. Most people don't/aren't.