Wilbur the Pig’s family had to spend thousands of dollars defending their pet pig. So did the Harris County, Texas HOA, which did everything it could to have Wilbur thrown to the wolves. Wilbur is a Vietnamese pot-bellied pig, an extremely intelligent species which has been bred as housepets. Tens of thousands of pig owners say they make marvelous companions.
But The Thicket at Cypresswood Community Improvement Association thought otherwise. Just the thought that the Alex Sardo family was keeping a non-traditional pet in their home threw the HOA into histrionics. Threats to sue, threats to poison, threats of vandalism, threats to seize the Sardo home and sell it at auction.
There’s no question that Florida Homeowner Associations have suffered in the housing downturn. There’s no question it has impacted just about everyone. But some HOAs have found ways to take the most outrageous actions against a few homeowners to siphon off money and ownership rights of the few to help pay the expenses of the majority. Welcome to the kind of “democracy” practiced by the Bridgewater Community Association in Wesley Chapel, Florida.
Joanne McCarn says she missed an annual dues payment of $225 when her mother died. She was willing to make that up, but then she discovered the amount the HOA wanted was more than ten times the amount owed. She balked. She moved out, and put in a tenant to help make the mortgage payments.
A woman in Houston, Texas has learned what thousands of other homeowners have learned: the HOA has incredible powers to seize and auction off your home for a tiny infraction.
Ann Izzat is 67 years old. Her home of 32 years was owned free and clear. At least that’s what she thought. She acknowledges she might not have paid her dues of $1200, but she says she never got notice of the overdue bill, and was never personally served any papers. But the sheriff’s office showed up on her doorstep, ordered her to completely empty her home of all her belongings within 30 minutes, and then took all of her possessions to the curb.
The cops probably arrest one out of every 10,000 HOA embezzlers. It’s a crime that’s very hard to catch in the typical HOA structure. But here’s the latest suspect to be arrested.
41 year old David Russell Nero was treasurer of the Ashley Farms Property Owners Assocation in Dover Township, Pennsylvania. He’s now charged with stealing more than $60,000 from his neighbors in 2010 and 2011.
WPMT television reports that Nero is accused of forging 76 checks. He’s also charged with cashing out a CD that was bought by the Association.
The power of an HOA to foreclose is greater than that of any bank or lending institution. Homeowners move into HOA neighborhoods never realizing how unforgiving Homeowners Associations can be.
Luisa Casas, an immigrant from Colombia, moved to Atlanta, Geogia and became a U.S. citizen. But she is now learning what tens of thousands of other Americans have discovered: an HOA has the power to arbitrarily take your house and sell it at auction, even if you’re just a few cents or a few dollars behind on your dues.
