Video Courtesy of
November 12, 2009
by Jan Bergemann
than 700 homeowners called in on the Channel 6 HOA Hotline on
Monday, November 9, 2009. That surely is a clear sign that not all
is "honky dory" in the homeowners’ associations,
contrary to what the local legislators claim. Far
too often we heard from Central Florida state legislators that
problems exist only in
. This telephone hotline surely proved otherwise. The phones were
busy all the time, often even overloaded.
biggest problem: HOAs raising -- sometimes doubling -- their dues
and levy special assessments, killing the budget of many families,
already hit hard by the economy.
Live Chat -- from 6:30 p.m. to 8:00 p.m. -- actually crashed the
system, which was not prepared to see that many people logging in
and asking questions. Not all interested owners were able to enter
the chat room.
about 300 logged in and more than 100 questions were asked. We tried
to answer as many as possible, but had to close down at 8:00 p.m.
All unanswered questions
were redirected to the CCFJ website e-mail
address, where I found another 64 questions when I returned home.
All questions were answered.
telephones were still ringing at 8:10 p.m., when the station manager
finally pulled the plug.
organizers from Local Channel 6 had to admit that they had never
considered that HOA problems are such a Hot Potato -- the response
from the audience was just overwhelming.
recent Sun Sentinel Town Hall
Meeting with Live Chat and the Local Channel 6 event
"Taking on the HOA" clearly showed that many owners are
going to lose their homes if there is no fast solution to the
quickly growing association problems. This is seriously affecting as
well all the owners who have always been paying their dues.
It is high time that our
legislators hold banks and mortgage companies liable for all the
dues, because banks and mortgage companies are partially to blame
for the whole disaster. Too
many families are losing their homes because too many legislators
would rather grab the campaign funds from the lending industry
instead of protecting their constituents who voted them into office!
Homeowners Association Chat Transcript
Tuesday, November 10, 2009
4:54 pm EST November 10, 2009
Local 6 and ClickOrlando.com
hosted a Web chat with a homeowners association expert on Monday
to help homeowners with any questions they had. This is a copy of
the transcripts of the chat.
much power does an HOA have? Are they actually able to place liens
on your home and do homeowners have the ability to hold them
accountable for work that they are not performing. Such as the
mandatory HOA has the power to lien and foreclose on your home for
unpaid dues and special assessments.
Helen_H(Q) Is it
legal for an HOA to place an assessment for the building of a new
clubhouse BEFORE they have any of their State and/or city approvals?
Normally no, it depends on the governing documents. State statutes
are silent in the matter.
Gaye(Q) We are
renting a home thru a realty company. We have been approached by the
realty company with a letter from the HOA regarding the care of our
lawn. It is going thru a cycle of dead spots here & there. Our
next door neighbor is having the same problem & we have noticed
other lawns have similar issues. Our next door neighbor said he has
received no notice from the HOA & he has had the issue longer
than we have. We are being told that we would have to pay fines if
the lawn is not "brought up to code". What can we do? We
are mowing, weeding, & adding fertilizer. This is just something
that happens to lawns periodically & I don't think we should
have to pay for sod!
enforcement is the best defense in any HOA suit. Brown spots in a
lawn are very common, especially with the new water restrictions. If
the HOA wants to fine you, they have to give you the opportunity to
discuss the fine in front of a grievance committee and you can make
your side known to the committee. Momentary water regulations in
cause brown spots in lawns, and there is little you can do.
James(Q) When are you
going to tell the homeowners what their obligations are?
obligations are set by the governing documents, the rules of the
Ralf(Q) Hello-2 years
ago we bought a house, built in 2002, as an For Sale by Owner. As it
turns out, a fence, installed as a condition of sale in 2002, has
one side encroaching in common area by up to 8 feet. Now the HOA
wants it off their land (common property). They have lost all
records, and since we are second owners, we cannot prove ARC
approval. The fence was constructed pre-turnover. They had
threatened 'self-help', and actually just last week tore down the
fence and hauled it off. Our fence is one of 25 or more of these
encroachments, and we are the only ones they are coming after. The
statute of limitation is 5 years from what I heard. Also the HOAr
accepted the common land 'as is' on turnover. What can we do?
question can't be answered by the
statutes. It is a matter of the governing documents and the plat of
ladyluck(Q) how can
this be if your bank holds the title of your mortgage
the bank holds the title after the foreclosure, the bank is liable
for all the dues. The bank has to pay HOA dues up to one year prior
niaa(Q) I was told
that an HOA can only recover 10% of unpaid fees in a short sale or
foreclosure. Is that true?
it is not true.
roynsan(Q) we are not
in a park, we are in a subdivision of the city of
with a HOA. Can this HOA impose a weight limit on dogs or is this
community under the laws of the city?
have their own rules and regulations, especially for pet
restrictions. They can regulate pet size.
NoCH(Q) Doesn't a new
clubhouse need unanimous homeowner approval if it was not part of
the recorded plat?
they can't, and no amenities should be added without 100% vote of
approval by the homeowners.
Wngrydr(Q) Is it
legal for HOA's to only pick and choose what they want to enforce
they cannot. They have to follow their own rules and regulations
when trying to enforce rules. They can only enforce what the Florida
Statute 720 allows.
Helen_H(Q) Is it
legal for an HOA to place an assessment for the building of a new
clubhouse BEFORE they receive any of their State and/or local
approvals and permits?
can't put assessments for something that is not there.
catherine(Q) How far
can the assoc increase homeowner fees and can we get any of the
money back when they forclose or sell the property?
of all, they can only increase dues according to gov't documents.
and the owner whose home has been foreclosed at auction will not get
any funds that may have been equity in the home.
HOACAM(Q) What other
methods of collection does an association have on securing
delinquent fees if not by lien and foreclosure?
assoc. can go to court and ask for a money judgment.
Tommy(Q) My wife and
I live in a gated community that is when the gates are operating,
which is almost never. Is there any thing we can do to make our HOA
comply to providing working gates.
correct to read DBPR. Thanks
is short for Department of Business and Professional Regulation. it
houses the division of condominiums.
kim(Q) If unit in
foreclosure, can prior owner rent w/o paying hoa fee
they can. but the HOA can force them to pay by judgment.
held a vote to dissolve our property owners association (non-profit
corporation). is it lawful for a llc to turn that vote over to an
attorney's office for a review when they are only hired by the poa
as a management company for recordkeeping and should they file that
vote with the state division of corporations as statute states or
are they stalling to miss 90 day deadline and discredit vote of
of all, they should have fired the mgmt company before they were
trying to dissolve the assoc. the assoc. can only be dissolved by
100 percent of the votes of approval by all deeded owners
dstge1212(Q) I just
moved into a neighbor hood that has a Property Owners Association
INC... they want us to pay 50.00 a year for member ship and 50.00 a
year to use the boat dock is this Legal?
is only legal if the governing documents of the assoc. say so
I have an HOA that raises our HOA dues every year and after we pay
our dues by March of each year. By June they say that we owe other
fees (sometimes up to $100.00). I wanted to not be apart of the HOA
but they said that I have to as long as I am in this subdivision. Is
it fine for them to keep charging us extra fees every year,
sometimes twice a year?
by law, they are allowed to do that. you cannot skip out of an HOA.
if you don't like the board decisions, you would have to organize
your neighbors to vote out board members.
Tom_Jones(Q) is there
a process to dissolve an hoa
can only be dissolved by 100 percent of all deeded owners or by MRTA
(very complicated process) after 28 years
mother in law is 81 and in poor health my question is when she
passes will we still have to keep up the HOA payments or will they
let us pay pending the sale of the house?
still liable for the HOA payments. there's no way out.
Hammer(Q) what FS
says the bank has to pay the fee's for 1 yrs?
walsyl(Q) I live in
Bellalago and we are pay for a club due and 90% of the people dont
use the amanities and the hoa does not do their job the place looks
like a high class can we take them to court and get this club due
taken away and have them keep the place looking good
they have 90 percent agreeing on the matter, this 90 percent should
change the board, take it over and change the policy to the way you
would like it.
SusanS(Q) We have an
HOA that has a rule that you cannot put a motor home, travel trailer
or RV on a lot unless you have pulled a building permit to buy a
house. We have a travel trailer that we have on a lot anyway and we
are staying in it, though we have not pulled a permit. The HOA has
sent us a Notice to Correct Defect and now they have sent us a
notice that the travel trailer will be removed and impounded per the
terms of the restrictions. Can they do that?
the deed restrictions say so, yes.
the Hoa have the legal right to come on your property if told not
to, they have some one leave a newsletter hanging from my garage
door and I ask them not to they say they have the right to be on my
they do not have the right to trespass.
suntree(Q) What can a
HOA do when they have a lien on a home that has an upside down
mortgage and the home is in the foreclosure process? My HOA has 7
such cases and they are all over a year past due. Is there any way
to collect from the lender? Our budget is suffering.
can only collect from the lender once the title has changed name. it
would be unwise for the assoc. to spend legal fees to speed up
foreclosure because the fees would never be recovered.
commercials advertise "Taking on the HOAs." In my mind
Channel 6 should present a fair and unbiased view. Could also PLEASE
encourage people to get involved. It will make all HOAs better if
people helped. Just think what all of our neighborhoods would look
like of there were no HOAs. No one would do any of the work!
problems are the
. laws, which are difficult to enforce from all sides. as long as
. legislature refuses to change the laws, we all will have problems.
Unique(Q) I am a
first time home owner & i was told that I can't move in until i
pay the fees left beind by old home owners what can i do
should have been sorted out at the title company when you bought the
home. the HOA should have made it clear what amount of dues is still
orginal builder put up a perimeter fence and 4 years ago the hoa
replaced the fence and they now say it is my fence what should i do?
can't just change the ownership of the fence. the governing
documents should clearly state who's responsible for maintaining it.
fourcs(Q) I just
bought a home in Dukes lake and have not been billed by the hoa
should they not cortact me?
are still responsible for any kind of dues the HOA charges. your
title company should have explained this to you and provided the
fmljazz(Q) I have
been told that all a resident has to do is pay a part of the HOA
fees and the HOA can not do anything about this? Is this true?
as long as you $1 to the HOA, it can go after you for the amount
SharonHand(Q) How can
you get a homeowner to pay their HOA dues if they refuse to pay
because they don't like the managing agent?
to pay the dues because of dislike of the managing agent is no
excuse to not pay the dues. it will not be an excuse at the lien and
foreclosure procedure when the HOA enforces payment of unpaid dues.
answers from ClickOrlando.com are provided by Jan Bergemann of Cyber
Citizens For Justice.
Erin(Q) Our HOA says
they must have a "fining committee" to fine homeowners who
are not paying...and these "fining members" must be part
of the neighborhood...this does not make sense to me...since it
should be an unbiased party...
fining committee is needed to enforce fines, not unpaid dues. the
provisions regarding fining committees is included in FS 720.305
jszym4210(Q) Must an
HOA provide a copy of its budget to its members?
gerbear(Q) my hoa
made me remove my shed which is allowed in our subdivision. I am a
disabled vet with a fused back and neck. My shed is now at a height
shorter than me to which I find a hazard having to duck to get into
my shed what are my rights as a disabled person. my injuries are a
result of a helicopter crash while on duty
you feel you were cheated, you could file a Fair Housing lawsuit.
ladyluck(Q) I don't
understand is the bank that holds the mortgage the only one that can
forclose on a property..if you owe HOA dues then the most they can
do is place a lien on your house am i right concerning the HOA has
no authority to forclose on property because of non payment of dues
you're wrong. if you live in a mandatory HOA regulated by FS 720,
the HOA has the power to foreclose on your home for unpaid dues and
Craig(Q) Does a POA
come under the same guidelines or laws as a HOA?
yes. it depends on the articles of incorporation.
follow up, a POA can as well be regualted by
statute 617. not all POAs are mandatory HOAs
the clubhouse answer also apply for a playground?
cannot charge for amenities that do not exist.
can the Hoa come on my property to leave newsletter if told not to?
HOA cannot trespass on your property unless specifically allowed by
the governing document
ezgraggen(Q) We fell
behind our HOA, due to medical issues. We wanted to catch up, but it
was too late, the lawyers that our HOA have contracted will not work
with us and now we are making monthly payments almost equal to our
yearly HOA dues. If we can barely afford this, but because of the
threats of foreclosures, we are now falling behind in other
responsibilities. Please help!
you agreed to installment payments, then you're liable to make the
in our HOA don't pay their dues for about two to three years and
disregard the letters, then they show up at a meeting asking for all
fees, including attorneys be dropped, while we have others who make
the effort to contact the Board and make payment arrangements. How
do you handle those that refuse to answer or make any payment
HOA should have clear guidelines how to handle collection of dues.
no exceptions should be made. otherwise, you run in danger of being
accused of selective enforcement.
Hammer(Q) who makes
the HOA Board follow the law?
there's no regulatory agency in
enforcing the laws. you're only way out is a lawsuit filed in civil
can we read the Florida Statues (ie, web link, etc)?
clickorlando(A) go to
www.ccfjedu.net -- click on the link for HOA and you will find all
the statutes, etc..
slopez(Q) can the HOA
foreclose on your home if you are behind on payment
ochat(Q) How much say
does an HOA have about your lawn. I had cinchbugs and weeds came up
so I got some brown patches. I received courtesy letter to fix brown
patches. I have hired a pest/lawn service. I then received a stern
letter the next month that if the brown patches were not fixed, they
would be turning this over to attorney and I would be responsible
for all costs. I only have a few patches and some houses in the
community have more or have their yard wild. How much control does
the HOA have over yards?
HOA has controls over the yards if so empowered by the governing
documents. your description points to selective enforcement.
momentary water regulations increase the danger of brown spots on
Property Owners Association the same as HOA?
the answer above in the chat.
jezebel(Q) Our HOA's
Board is made up of 75 % members from the developer and 25% voted in
by the homeowners. The 25% always gets out voted. How can the 25%
get things done if this is the case? The homeowners are always at
the losing end.
to Fla. Statute 720, the developer has to turn over control of the
community to the owners. the way it has to be done is described in
Fla Statute 720.307. as long as the developer is in control, he has
a right to appoint his members to the board.
cookie(Q) Why would
one want to live were there is an HOA
in many places there is no other option to buy a home newer than 10
years that is not mandated by an HOA.
special assessment has been placed on our poa on top of annual dues
by board of directors - this special assessment is in dispute - poa
hired attorney to file liens on property owners as well as attorneys
fees - is this lawful considering the dispute has not been resolved
as a lawful vote was not held by property owners - we did not have a
full seated board of directors
long as the bd. of dir. has levied a special assessment, it's valid
and can be enforced. any dispute over the special assessment has to
be dealt with in the court of law.
majestic(Q) our HOA
and one of the past board member is being sued by a Homeowner. Can
that past board member run for office? Can he be stopped from
running fo rthe board just because he is named in a law suit?
Statute 720.306 gives no eligibility provisions for board members.
any owner can be a candidate for the board of dir.
do you do if your Association reps are dishonest about money, and
the sherriffs call it civil and the DBPR call it law enforcement's
jurisdiction? What remedy is available for the unit owners if they
are tossed back and forth between regulatory agencies on such
the moment, nothing. a bill will be filed for the next legislative
session that will deal w/this issue. it is a very common complaint.
WWHA(Q) Can my HOA
force me to paint my home if it is decied it is not being maintained
and can they demand it and then if not painted paint it and then
bill me for the work?
are various answers. and even courts have decided in different
directions. it all is very much depending on your governing
documents and the power given to the HOA to force you to paint your
AshleyO(Q) We have
homeowners that installed pavers, flag poles, fences, etc., without
an ARB approval. Now a couple of years later the HOA becomes aware
of it and sends them a violation. Is the items now grandfathered in?
and no. it depends if the HOA enforced these rules before. and if
they were part of the original deed restrictions that govern the
roynsan(Q) our HOA
claims they have some sort of insurance policy that is the basis of
the weight limit. How can they have insurance on privately owned
property in a city subdivision?
referring to pets, it may be. i would ask you to take a look at a
copy of the ins. policy.
fourcs(Q) due the hoa
have to publish a list of what they spent the HOA funds for?
the HOA is required to give you a financial report each year. please
check 720.303 for details
Mary(Q) I am hoping
you can help. Our Management team, World of Homes, have taken over
and there are several of us at Lake Olympic Townhomes in Ocoee feel
like we can not give anymore money. Our proposed budget for 2010 has
come up and they are requesting a special assessment, which I can
understand. It comes out to 64,000 over a 3 year period. At the same
time the Management team has increased their operating costs by 47%
from &78,201. to $115,581. In the last meeting we had , they had
mentioned that "We are all in this together." I am just
not feeling it. Is there a limit on what they can increase their
no limit if not stated in the governing documents. but the mgmt co.
should work w/the owners and if the owners feel that the mgmt co. is
not working in their interest, they should consider replacing the
egavulic(Q) As a
Board member and active part of the community, I am almost sure that
most of the owners who have complaints, have NEVER served on the
Board or volunteered their time to their neighborhoods. The best
advice is to be active, attend the meetings and read your documents
thomasjp(Q) what type
of lawyer would i need to talk to about HOA problems?
specialized HOA attorney.
community's bylaws were written in the early 1990's. Many of the
clauses contained within are obsolete and/or have been superceded by
Florida Statute or Laws. What is the correct process for updating
our bylaws so that they are in agreement with State law? Do the
modifications need to be voted on by the community even if they're
just being changed to be consistent with the law?
bylaws can be change by vote of the board and should be brought in
compliance with Fla. Statute 720.
NoCH(Q) What can be
done of a HOA tries to add amenities without even trying for 100%
only way out would be a lawsuit filed in civil court to prevent the
HOA from adding an amenity that is not mantioned in the original
trish(Q) i'm a good
condo owner, no fees over due, i had my car towed away form our
parking spot, as abandoned property. we filled out infomation card (tele#
plate #) with property manager when we first bought the place and
stated that we were snow birds.car is registered in another state.
is no remedy. the answer is in the governing documents.
gymfields(Q) can a
deed resticted community be changed to a HOA? HOW?
deed restricted community is not necessarily an HOA . it has to be
in the original deed restrictions. if there is no madatory HOA, only
100 percent of votes of approval by all deeded owners can make a
community a mandatory HOA.
board of directors only obligation is to maintain our current
unpaved roads - we have no common areas - when the board of
directors cannot fulfill this and the county can - is this grounds
for dissolution of the association by a majority vote
majority vote cannot dissolve an assoc.
walsyl(Q) the gate
close and damage my car and the hoa refuse to pay what can i do
but try the nice approach first.
individuals in the assoc. board of directors be personally liable
for the HOA actions?
board of dir. are indemnified for the actions of the board.
does an excellent job with her advise...! Keep up the Good Fight!!
This is a great public service that you are providing on Local 6
News!! Thank you!!
kim(Q) a small condo
assoc of owners had been built when developer went to foreclosyre, a
investor bought the remaining and has offered all for rent in this
gated community, is this legal?
if the governing documents did not contain rental restrictions from
tomseaman(Q) Am I
intitled to a refund? I bought a lot in 2003, and got my contractors
licensed in 2004 , I just got my certificate of occupancy in July of
this year. The Declaration of covenants and restrictions says
Assessments against lots owned by contractors, A licensed contractor
who owns unimproved lots, uncompleted dwelling units, or completed
dwelling units for which a certificated of occupancy has been issued
by the county and which have never been occupied, the assessment
against such lot shall be twinty-five percent (25%) of the annual
assessment. full assessment shall commence the month forrowing
to Flori9da statutes that is not the case. You are not the developer
and have to pay dues from the date when you bought the lot, but your
deed restrictions could say otherwise and exempt you, but I doubt
seafox(Q) Do the
rules governing HOA's also apply to condominiums
Condominiums are regulated by
statute 718, HOAs are regulated by statute 720. There is a big
RIGHTS DO WE HAVE WITH WHAT THEY LAUGHINGLY CALL A HOMEOWNERS
ASSOCIATION, DO WE HAVE TO JOIN AND PAT THEIR FEES?
If the community has a HOA, you are automatically a mandatory member
of that association.
rkvereb(Q) Can an HOA
impose fees or increase the dues of homeowners that pay on time if
others do not pay at all?
they can, sorry to say.
re: HOACAM - How can an HOA go to court if parts of its membership
isn't paying dues? Aren't the lawyers really the only ones making
the lawyers are the only ones making money.
Dick_FLT(Q) can the
owner of a lot vote to extend the C&Rs on another lot covered by
a separate Declaration?
owner can do that.
the mortage companies involved in a foreclosure started by HOA
mortgage company is always part of the foreclosure because they hold
the first mortgage and that will not be extinguished by any
foreclosure by any party.
mold present in the building in the Landings...HOA and developer are
aware of it...and they wont fix it!
mold is not fixed it can be a very costly predicament in the future.
The sooner mold problems are fixed, the less expensive it is to fix
HBHresident(Q) Can a
Board continue to use a landscaper who charges our community $10,000
more than bids we have gotten from other landscapers? Oh yeah, this
guy is our President's brother-in-law.
only way to get rid of that company is to remove your board and
replace it w/owners who are not related to the owner of the
roynsan(Q) how can
this HOA dictate that we cannot put up a fence according to code
when other propertys have fences that are so -called grandfathered
is a matter explained by your governing documents. check them to
find out if why the board thinks that they can selectively enforce
snoopy(Q) Can an HOA
board pass & enforce a special assessment (in addition to
regular dues) that has not been voted on my the homeowners?
polly(Q) WHAT ABOUT
PROTECTION OF THE PEOPLE WHO PAY ?
the Fla. Statutes, there is no protection for owners. the statues
were written by service providers who only had their own profit in
infolady(Q) We are
renewing our governing documents how can we limit descretionary
decision making for the board and the ARB and just make rules that
have to be followed that leaves no room for discretion
a 2/3 vote of approval by membership, you can change your deed
restrictions the way you want it to read.
long should a legal opinion take on validating a majority vote of
property owners to dissolve an association - the association has no
common areas no legal board of directors no developer the
development was turned over to property owners years ago.
legal opinion is just that. it does not change the way the vote of
the memberhsip has to be conducted.
jszym4210(Q) How is
turnover from developed to owners initiated? What happens if the
developer fails to turnover the HOA at the time defined in the
By-Laws? How are funds collected by the developer turned over to the
owners when they take responsibility for the Association?
detailed explanation of transition of assoc. control is explained in
Fla. Statue 720.307
scooter5(Q) When the
developer turned the assoc. over to the owners, we had a bunch of
goofballs who didn't know what they were doing. There was never any
repairs made and we are facing huge amounts of $ to repair the
defects. How can we recoup these funds. We can't find an atty to
take them on???
you will never be able to recoup the funds. board of associations
are ruled by the business judgement rule, and there's no court in
this country that will hold the members of the board who made the
financial mistakes liable for the financial losses.
Deborah(Q) Any idea
will resurrect the ombudsman position to help HOA's so we can obtain
assistance without always incurring exhorbitant legal fees?
attempt to create an ombudsman and a regulatory agency has been made
many times over the last few years in
. all failed because service providers and board members fought
regulation. and the owners will nowhere to be seen when these bills
came up for discussion in the legislature.
aylene(Q) is the HOA
responsible to fix the building or the developer who owns most of
it? MOLD that is...?
long as the developer is in control of the building, the developer
is responsible for fixing mold problems.
John22(Q) My HOA
gives me a hard time to do basic requests for gutter cleaning, and
for the past 3 years they have done nothing for the community. No
badly needed paint jobs or any other maintenance of the units. What
can be done?
clickorlando(A) it is
up to you to force the assoc. to follow-up on their
responsibilities. if gutter cleaning can be enforced by the assoc.,
you better clean your gutters before they take any further action.
HOACAM(Q) Is an
employed (not contracted) by an association considered a Public
Figure as it would pertain to a slander-defamation suit?
person can be sued for libel or slander.
thomasjp(Q) our hoa
only post the date and time of the monthly meetings is this legal?
HOA statutes do not require agendas to be posted but it would be
advisable. only for budget and special assessment issues is a
specific notice required.
more minutes until the chat ends.
waiting to question on partial payment of Homeowers fees. 2. Is this
going to be available for printout after for future reference
chat transcript should be available later this week.
responsible when there's mold in a building?
normal circumstances, the bd. of assoc. is required to maintain the
building. that includes mold problems.
roynsan(Q) do HOA
rules supersede laws of the city and state?
and no. it very much depends. this cannot be simply answered.
community has a private country club. The club membership is looking
to get all of the community to take over (merge with the HOA) to pay
for their club. How can they do it
far attempts at trying to achieve this have failed in court. they
are 2 separate corporations and should stay that way.
question of the chat.
AshleyO(Q) we found
out, after an audit, that we were underfunded in our reserves. The
HOA decided, last year, to do an increase of 3% every year to cover
the monies instead of doing one assessment. Is this legal?
it is. but reserve fund increases or decreases are subject to the
votes of the memberships.
you to everyone who participated in the Local 6 chat!
you have any further unanswered questions, please send an e-mail to
Thanks again and have a great night!
Urged To Learn HOA Laws
Threatens Foreclosure Over Fees
on the HOAs