Category Archives: HOA violence

What Are The Implications Of This One???

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Regular readers of this blog know that I’ve preached from the street corners that an avalanche is coming which will send the American housing market into a massive tailspin. Billions of dollars will be lost and won. Ultimately, individual homeowners will be the big losers.

Remember the refrain? An avalanche starts with just a tiny imbalance, a molecule of ice falling from the crest of a snow ridge. But that tiny chip can hurl millions of tons of snow down a mountainside. Living in Colorado, all of us who love the outdoors have to be wary of this potential killer.

The Nevada Supreme Court might have just set off such a disaster. It ruled that a super priority lien, no matter how small, can destroy a first deed of trust. The implications for the Nevada housing industry are stunningly dismal. The court was narrowly divided. But the 4-3 majority ruled that a petty HOA lien can utterly wipe out the mortgage loan on a million dollar home.

A hundred dollar fine for a trash can left outside an hour after the deadline can be escalated into thousands of dollars in legal expenses and collection fees.

The boards of Homeowners Associations are cheering the news. This court decision now gives them unprecedented power to throw petty fines into the air to stifle any sign of dissent in a neighborhood. They’ll be able to grab million dollar properties and auction them off to fill the HOA budget.

Meanwhile, the boards of mortgage companies are now meeting to discuss two questions: Wouldn’t we be financial idiots if we ever loaned another dime to a Nevada homeowner? Or the alternative: How high shall we raise interest rates on every new mortgage to cover our expected losses?

Nevada! The nation’s focal point of HOA corruption is poised to do it all over again.

(link to Review-Journal article on court decision)

 

Wild Times in Southern Florida at Waterbridge Condominiums

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Egads, it’s just an average meeting of an average Condo Board. Some poor average shmuck who’s been insisting that the board repair the fire damage over his apartment gets taken to the cleaners. All the resident did was ask to see the Condo Association’s financial records…it seems there are no reserve funds to pay for the fire damage. The board president repeatedly tries to scratch this guy’s eyes out. Another former board president admits to a local TV crew that he’s harrassed and even pulled a gun on this same resident.

LOL! What a wonderful day it was when the video camera was invented!

(link to Local10 News story)

 

Love Thy Neighbors – It’s Good For The Heart

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I’m going to slip into the religion zone for just a minute. But for you non-believers, just wait. It’s for you too.

When Jesus was asked about the most important commandments, the first was “Love your God with all your heart.”

When asked about the second he said, “Love thy neighbor as thyself. There are no greater commandments than those.” He actually said that!

Sooo, let’s go full circle and jump forward a couple thousand years to a scientific study of more than 5000 people and their health and general well-being. It seems like there’s a pretty solid connection between heart health and the amount of strife with neighbors.

I’ll leave the finer points of the study up to you in the link below. In the meantime, I’m using both hands and both sets of toes to count up the number of cancer and heart disease patients in my own HOA neighborhood!

(good neighbor study)

 

Let Me Vent About The CAI!

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guest blog by George Staropoli

How dare Susan French (lead ‘editor,’ of the 2000 Restatement of Servitudes, 3rd; co-author of Community Associations Law (1998 & 2008) with Wayne Hyatt, CAI national leader) take the attitude, accepted by the publisher, ALI, that this treatise is geared toward private governments because that’s what the people want. Did any group have her ear? (The Restatement is the common law treatise used by the courts when statutory law is silent.)

“Susan French begins with the assumption that . . . we are willing to pay for private governance because we are unable to pay for these amenities . . . individually. Therefore this Restatement is enabling toward private governance so long as there is full disclosure . . . and so long as decisions are made according to established and fair procedures.” (Foreword, p. IX). (My emphasis).

What part of reality did she miss? That people love HOAs? That there are fair procedures?

The Restatement speaks of private governance, which apparently French really meant as private government without being subject to the US Constitution. Section 3.1(2), Validity of Servitudes: General Rule, declares that the servitude cannot “unreasonably burden a fundamental right” (p. 347). What is a reasonable burden on a fundamental right? Does that control the Constitution? Is this private citizen law? After a long discourse on protecting fundamental rights, comment h makes it clear that,

“The question whether a servitude unreasonably burdens a fundamental constitutional right is determined as a matter of property law, not of constitutional law. Constitutional law decisions may be useful, but are not controlling, in determining when a servitude goes too far. When private parties create and enforce servitudes they are not governmental actors.” (p. 359-60).

Well then, what do we need the Constitution for? What do we need legislators for?

Fireworks in Carson City, Nevada

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This is shameful.

No state in the union has suffered more from HOA abuse than homeowners in Nevada. No homeowners have been financially stripped and laid bare more than people in Nevada. Organized crime in so entrenched in Homeowners Associations in that state that many people in HOAs have lost up to 90 per in value in their homes. But when Organized Crime sees a chance to put OPM (other peoples money) into their pockets, there’s not much that will hold them back.

But ripped-off homeowners in that state were finally able to convince the U.S. Attorney and the FBI to do an investigation, and 39 people including police officials, attorneys, businessmen, political figures, a well-known TV star were indicted and now face felony trials for theft and official corruption. Well, I’ll modify that, a bit. In typical Nevada fashion, certain key suspects began killing themselves in strangely concocted ‘suicides’, and others began to rat out the bigwigs, eight or nine of whom still face trial for their crimes.

Nevada citizens were even able to get a couple of homeowners advocates placed in key positions on the eminently corrupt Nevada Real Estate Division. These homeowners rights advocates tried to get NRED to respect such Constitutional ‘novelties’ as Due Process, a well-recognized Constitutional Right which protects all the people from government abuse.

Tomorrow and Thursday day is when well-reimbursed stooges on the Division of Real Estate tries to crush that right forever. It’s happening in Carson City. And the largest CAI vultures ever spotted by bird watchers are flying the skies over the state capitol right now making sure their paid minions succeed at stifling any sort of free speech or respect for law and order. Nevada is well known for its deep layers of official corruption. By the end of this week you’ll know whether it’ll be business as usual, or whether those struggling under the weight of oppression can reserve for the people a tiny hope for fairness.