Tag Archives: foreclosure

Debt Collectors Have Rules, HOAs Don’t!

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We hear it all too often on this website: How come HOAs don’t have to follow the law like all other debt collection agencies?

The only answer I have is that legislators are either crooked, or stupid, flat-out don’t care or a combination of any of the three. Believe me, your message is getting through to a handful of them. They occasionally contact me. But overall, lawmakers are feigning ignorance of this growing national scandal.

Linked below is a tragic story of an older man who’s dying of leukemia. The $75 dues payment he couldn’t afford has turned into a multi-thousand dollar campaign to snatch this man’s home. Make a note: It’s the Heather Lakes Homeowners Association near Tampa Bay, Florida. Make sure to tell your Realtor you don’t want to live there!

Debt collectors are forbidden by state and federal law from using the collection practices so common in the HOA industry. No one can tell me that this national scam doesn’t amount to organized crime. It does, and it has to be recognized as such.

(HOA fines dying man, FOX13 News)

 

 

 

HOA Hates School Buses? Preposterous!

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Parents in the Pebble Creek Homeowners Association in Clark County, Nevada, are livid because of a change in school bus routes. Apparently, the HOA board doesn’t like school buses traveling through their neighborhood. So they’ve ordered the school district to pick kids up outside of the HOA on a busy boulevard. If kids don’t report to the ‘politically correct’ bus stop then they get a citation.

Bullying.

(link to Nevada HOA edict)

 

HOA Housing Protest in Las Vegas

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I got this notice today and figured I’d post it for readers who live in Nevada.  -Ward

 

Nevada State laws are being twisted and used to allow illegal foreclosures by Homeowners associations. Women and Minorities are the main targets. Victims are tossed into the streets with 5 day notices. The victim is left to pay the mortgage payment. In the meantime, potential investors are able to walk inside the county recorder’s office and record his or her name as the true owners. The investor buys the property, sometimes for as little as 10% of its true value.

The Recorder’s office fails to verify who the true owners on the deed of trust are and as a result the victim loses title.

Those in the  assessor’s office need to stop acting recklessly and need to be held responsible for their wrongdoing!!

The victims are entitled to their properties!   As a group we need to picket and make noise with hopes we can actually make a change, and have these 4,000 victims get their properties back. 

Come out and RALLY WITH US !

10:00 am Tuesday January 26, 2016 at the County Records office Las Vegas Nevada!

 

Does CAI Ever Tell The Truth?

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guest blog by Deborah Goonan,  IndependentAmericanCommunities.com 

Ok, folks. Here’s an opportunity for CHPPI and state advocates across the country to fight against this sickening example of propaganda and help support bills in FL that will limit excessive fees and abuse of consumers.

NOTHING that is written in the most recent Community Associations Institute / Community Advocacy Network press release (referenced below) represents the truth.

The only “advocacy” promoted by CAI and CAN is self-advocacy for their own profit potential.

We can blow this out of the water by exposing who is behind CAI and CAN — management company CEOs and prominent law firms that make their living off of Collection services, document production services, and enforcement of covenants, restrictions, and rules.

Take note that the Business Partner’s Council membership just so happens to include Joseph Russo, owner of GetDocsNow.com – one of the industry’s corporations that directly benefits from charging unlimited fees to provide documents that are needed or required as part of the real estate sales process and title search. What a coincidence!

The premise of the CAI-CAN argument is that fees for providing necessary HOA financial disclosure information should be unlimited, and that the buyer should pay up front, so these charlatans can be assured of getting paid.

And if the buyer won’t pay up front, and the closing doesn’t happen — possibly because the buyer balks at paying artificially inflated liens on the property — then the poor homeowners will have to pick up the cost. After all, the industry fighting this bill certainly does not want to eat the cost themselves! Their Association document disclosure service is SO valuable, right?

And let’s use common sense. What affects the bottom line more for homeowners: covering some of the association’s costs for providing timely and accurate disclosures documents or dealing with thwarted sales related to excessive or surprise closing costs involving liens heavily padded with fees and collection costs?

Aren’t HOA members harmed when delinquency rates remain high due to the fact that sellers cannot unload their homes because buyers won’t pay hefty liens (and then risk being billed for more after closing)? Don’t lenders avoid financing condos and homes in associations with high delinquency rates — or at least offer less favorable financing terms?

I know plenty of true homeowner advocates read this blog. Please give me your thoughts?

References:

(link to CAI Press Release)

(link to Florida House Bill 203)

(link to Florida Senate Bill 722)

 

Colorado CAI!

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(editor’s note: Stan Hrincevich is a hero in the Colorado HOA fight. After years of fighting he’s gotten a few legislators to pay attention and pass a handful of reform bills. The bills still need work.  But the reaction to Stan by the CAI is interesting, and instructive to all of us.)
guest blog by Stan Hrincevich  (letter to legislators from coloradoHOAforum.com)

The fight for financial relief for small CAMs in this Bill was not supported by the CAI in the last legislative session. The cost of a license for small CAMs can equal a year’s income: it’s abusive and burdensome. Previous misinformation spread was that the goal was to exempt small CAMs from being licensed: not true, never in any proposal but believed by too many. This Bill provides fairness and relief to small business with reduced fees and educational requirements commensurate with knowledge to legally and competently service small HOAs of 30 or less units. Educational providers are able to offer small HOA CAM courses at a reduced cost. Costs for Colorado Department of Regulatory Agencies to implement should be covered in the same manner as completed when the total licensing law was implemented.

The Community Association Institute (CAI), the group representing property manager and HOA legal interests, has been lobbying the legislature to oppose our upcoming Bill to improve the CAM licensing law even before the Bill has been officially submitted. The misinformation and untruths are insulting to home owners and exemplifies how CAI wants to continue to be a protected organization/profession with special privileges and the power to operate with secrecy and no accountability.

Here is what I picked up from legislators about CAI’s objections to our proposed Bill:

1. Our Bill proposes that all CAM fees be documented on a receipt to the payee, include an itemization of the charges, be in compliance with the law (in the case of Transfer Fees), justify charges by work performed, explain how the fee is not included and paid for by HOA dues (duplicate charging), and as in the case of the Transfer Fee, a receipt be provided to the home owner 3 days prior to closing. Additionally, all fees should be reasonable. THE CAI OBJECTS TO THIS! THEY WANT THE PRIVILEGE TO BILL YOU WITHOUT PROVIDING A RECEIPT OR JUSTIFYING CHARGES. JUST DO IT BECAUSE THEY CAN. Do you think Master Card, VISA, Comcast, or Xcel Energy would get away with demanding a payment and not justifying the charges?

3. We want to improve and better define how CAMs must comply with State HOA law and HOA governing documents. No, the law is not very defined but is general and lacks specific accountability. CAI feels the broad and ambiguous statements in the law and rules are adequate. What do they have against requiring any clarity in following the law? This speaks for itself.

4. The fight for financial relief for small CAMs in this Bill was not supported by the CAI in the last legislative session. The cost of a license for small CAMs can equal a year’s income: it’s abusive and burdensome. Previous misinformation spread was that the goal was to exempt small CAMs from being licensed: not true, never in any proposal but believed by too many. This Bill provides fairness and relief to small business with reduced fees and educational requirements commensurate with knowledge to legally and competently service small HOAs of 30 or less units. Educational providers are able to offer small HOA CAM courses at a reduced cost. Costs for Colorado Department of Regulatory Agencies to implement should be covered in the same manner as completed when the total licensing law was implemented.