Category Archives: Foreclosures

Monopoly? (guest blogger, Nila Ridings)

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Not sure why the game of Monopoly always led to fights when we were kids. Someone would invariably cheat, the others would protest, and….there went the neighborhood!

Same thing goes on today in many American Homeowners Associations! Your new retirement community seems perfect, the dues seem about right. Suddenly, without notice the rules change. Monthly dues skyrocket from $180 to $500 a month, with even more hikes on the way. 

When you weren’t watching the rules changed. They changed because a new developer or a new majority took over the HOA. Now, you suddenly find yourself foreclosed upon, or you’re priced right out of the neighborhood where you once had your dream home. 
 
Don’t believe it?

Read the link below and weep.

http://articles.orlandosentinel.com/2013-03-17/news/os-lk-lauren-ritchie-homeowner-associations-20130317_1_homeowner-association-levy-fees-subdivision

 

 

Thank You, Hackers! Thank You!!!

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It’s been an interesting evening just casually surfing around the Internet. Haven’t done that for awhile. There’s just too much work involved in researching and writing my daily blog to go back to the casual surfing that I used to do.

But I’ve noticed that the recent hacker attacks that took down and trashed my website have actually ended up scattering 300 to 500 of my past web posts all over the Internet! My old webposts used to be pretty well organized and confined just to NeighborsAtWar.com. But a search of “ward lucas” or “ward lucas hoa” show that the “gods of the Internet” never forget anything. And a trashed website actually leads to multiple sites around the world spreading the message of our Homeowners Rights Movement.

So, rather than condemn the recent hackers who caused us so much work, we’re just happy to sit back and bask in the kind of sunlight that brings enlightenment to people who’ve wondered if they’re all alone in their fight against the neighborhood ‘lawn nazis’.  No, my friends, you are not alone. You are part of an awakening. You and your HOA problems are potentially viral.

“Dear God, thank You for free speech. It’s a beautiful thing. And it’s the only thing that keeps a free society free. Thank you, God.”

 

Beyond Hilarious! Kick ’em Where It Hurts!

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Dear Friends, I’ve spoken occasionally about keeping your sense of humor no matter what nightmare you’ve experienced. Yes, the battle against the national HOA scam can scar a person’s heart forever, but humor has the incredible power of healing the damage. And humor, in some cases, is more powerful than a nuclear weapon. Want proof?

United Airlines baggage handlers busted a guitar which (unhappily for United) was owned by Dave Carroll, a folk singer from Nova Scotia who has a finely honed sense of hilarious indignation. United refused to repair the damage to the guitar. And now there’s a song that’s gone viral. And another. And another. Now there’s even a book. And a speaking tour. A Google search turns up nearly four million hits. It’s all called, “United Breaks Guitars.”

United Airlines has lost millions and millions of dollars in its public image because of this one singer’s poetic irony. United has now offered to pay for a new guitar. It’s offered to buy the song rights. It’s offered the singer vast sums of money to take his songs and his story off of YouTube. But with millions of fans watching the song, Dave Carroll just can’t afford to quit singing. And United Airlines continues to lose millions in its public image. That’s how powerful humor is!


Dave Carroll’s second video is even funnier than the first.


United Airlines, the behemoth that it is, has learned that every single customer is important. In our fight against the racketeering that pervades the American Homeowners Association Movement, every single homeowner is important. And that’s what arrogant organizations like the Community Associations Institute may learn at some lovely point in the future.

“Though the Wheels of God Grind slowly,yet they grind exceeding small,

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The whole quote is:

“Though the Mills of God Grind slowly, yet they grind exceeding small,

            Though With Patience He stands waiting, With Exactness Grinds He All.”

                                                        Friedrich Von Lougou

That’s one of my favorite quotes from The Retribution, and it’s been pasted on my computer since my first blue and gray Kaypro, purchased in 1985.

Yes, Heaven’s grinding mills are as vast as they are slow, but sooner or later every full circle comes about. Not soon enough, we mortal humans cry, but they do come around.

Comes now news that the Department of Justice is going to free up 39 million dollars for Overseas Service members who were shafted and ruined by Bank of America. It’s illegal to file civil actions against our military fighting on foreign battlefields, but that knowledge didn’t slow down Bank of America one whit.

No, when the Mortgage Crash and the Housing Bubble hit, Bank of America just played taps on the spines of our fighting men and women, while they forclosed on service members and kicked their families into the streets. Capt. Matt Clauer was a famous case that comes to mind, but there were many, many others.

Yeah, the Big Bank is going to refund some money, a little here, a little there. But by what means are they going to repair the many divorces, the shattered families and repair the misery of families who lost love and trust.

Bank of America, your fund is too low, your response is too weak, and you’re only doing this because you’d otherwise be facing contempt of court charges and a huge public black eye.

http://www.justice.gov/opa/pr/2013/April/13-crt-383.html

Looking Into The Face Of Evil

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There’s just no other way to put this, but the Community Associations Institute, along with its blood brothers including Associa, run by Texas State Senator John Carona, are just ugly institutions. Not illegal. Just ugly.  And every American homeowner needs to be educated to avoid the kinds of financial assaults that have victimized thousands of homeowners across the country.

Our American founders, afraid of ending up with the same kind of European monarchy they had just left,  wrote a Constitution that forbade our new government from interfering in rights that were bestowed on us, not by government, but by God. In their vision, God given rights could not be subsumed by a Monarchy or a Dictatorship, or even a ‘majority’ of the people. Remember that we do not live in a Democracy. A wild out-of-control mob is a democracy, and that is not our form of government.

No, our rights emanate from God. Remember that. Repeat that. All human rights emanate from God.

With that in mind, I provide you with a page from the CAI playbook as it begins using its vast wealth and power against the Homeowner Association reform bill now percolating in the North Carolina Legislature.  I will highlight some sentences that offend me and should outrage you.

 Here goes:

Repeal of Foreclosure Option for HOAs and POAs

February 13, 2013: Representatives R. Moore, Alexander and Hamilton introduced an NC House bill to repeal the ability of a HOA/POA to use foreclosure as a tool in the collection of delinquent dues. This bill modifies G.S. §47F-3-116 of the NC Planned Community Act and 47C-3-116 of the Condominium Act to accomplish its goal. The effect of this bill, if passed by the NC House and Senate and signed by the governor would be to remove the option for HOA/POAs to use foreclosure as a method of recovering unpaid dues and force them to use the much more expensive method of bringing a Civil Action in court to accomplish the recovery. The Civil Actions are much more expensive and the courts have not always awarded attorney fees and court costs to the winner of the suit. This can mean that even if the HOA/POA wins the suit, they may lose money because of their costs to bring the suit to trial. Removing the foreclosure option for HOA/POAs could have a devastating impact on the finances of HOA/POAs. The bill has been referred to the House Judiciary A Committee.

The CAI-NC LAC opposes this bill and will use all of its resources to assure that it does not become law. HOA/POA Board members should contact their NC House and Senate members and request that they oppose passage of this bill, referred to as HB-175. For more information and current status of this bill, go to www.ncleg.net and search for HB-175.

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Dear Friends, I hope you understand that the CAI is acknowledging that it likes a slanted playing field.  It wants the law so biased that this massively wealthy organization acts as judge, jury, king and executioner. Under this system there are no God-given rights. If this law is passed in North Carolina it will amount to a massive restructuring of Society. Look for other states to do the same.

I’m am not trying to oversell this point, but I have read some history books. Adolph Hitler found a way to take control with a minority party behind him. He did not make the world a better place.