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YOU ARE NOW LEAVING THE AMERICAN ZONE!!!
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"YOU ARE NOW LEAVING THE AMERICAN ZONE" - has been used many times to describe what happens when homeowners cross the line from 'traditional' housing to the more risky 'common interest development' HOMEOWNER ASSOCIATION (HOA) housing. Included in HOA housing are condos, townhomes, single family homes, retirement communities and gated communities.
So....you live behind the gates??? Don't be fooled by a false sense of security. Those gates can not protect you from what lurks beneath the surface of HOA housing. In fact, when you see housing surrounded by 'gates' - think LIABILITY! This means that every member homeowner within those gates are LIABLE for anything that happens behind them! What? You didn't hear that story about the child who got their finger cut off by the gates and every homeowner behind that gate was sued individually for damages?
BEFORE YOU BUY BEWARE!! And if you are already living in an HOA - BE AWARE!!
NoHOA.com is here to help you decide for yourself if you are ready to step over the line into the Un-American Zone of HOA housing.
NoHOA.com is here to provide current HOA homeowners and prospective HOA homebuyers with a very comprehensive and seemingly endless resource of research, data, news articles, and history of HOA housing located on the the web.
NoHOA.com is FREE. It costs you nothing to review the websites here. But what you will learn will probably be invaluable. Prepare yourself to protect your family, home and 'investment'. In fact, read further for more information on the newly released book titled - VILLA APPALLING! DESTROYING THE MYTH OF AFFORDABLE COMMUNITY LIVING - and read the chapter titled "THE MYTH OF INVESTMENT". That's right - the MYTH..........
NoHOA.com is dedicated to Homeowner Advocates from across America who have banded together in an unprecedented and history making movement to protect the American Dream of Homeownership.
NoHOA.com and Homeowner Advocates across America are committed to preserving the old saying penned by the famous Jurist, Sir Edward Coke in 1628, "A Man's House is His Castle".
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ARE YOU PREPARED TO LEARN MORE?
A lot of this information may seem overwhelming. It may be hard to believe some of what you are reading. Others have felt the same way. However, when the same pattern keeps appearing over and over with the same HOA horror stories across the country, it becomes important to expose why this is happening.
Besides being hard to believe, many of you may not like what you are reading either. The truth is sometimes painful. But face it folks - HOA housing is not what it appears to be. It is not all about sparkling pools, tennis courts, tot lots, carefree living and letting someone else mow the lawn. But you must decide for yourself.
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VILLA APPALLING!! DESTROYING THE MYTH OF AFFORDABLE COMMUNITY LIVING - written by Donie Vanitzian and Stephen Glassman, authors of the Los Angeles Times "ASSOCIATIONS" Q&A help column for homeowners - is a MUST read for ANYBODY who is considering, currently living in, or OWNS property with a Homeowners Associations.
VILLA APPALLING! DESTROYING THE MYTH OF AFFORDABLE COMMUNITY LIVING!
This book is LOADED with compelling and impressive information, references and advice that can help you. Do not be caught without it if you live in a homeowners association! Villa Appalling! cuts to the chase like no other book on HOA related housing and exposes to the core why some people refer to HOA's as a "legalized housing scam".
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THE LAW OF THE 'LAND' is NO LONGER THE CONSTITUTION OF THE UNITED STATES BUT RATHER the "HOA CONSTITUTION" - OTHERWISE KNOWN AS YOUR CCR'S (COVENANTS, CONDITIONS, RESTRICTIONS).
Living in an HOA comes replete with these extremely complex laws that govern how you live. Laws that you probably never knew existed. It is important to know why these laws exist and who they REALLY benefit. (NOT YOUR PROPERTY VALUES!) Very likely, these laws were passed by the politicians you voted for, quite literally, while you were sleeping.
From the Common Interest Development Act to now what is known as the Uniform Common Interest Ownership Act. These laws have turned the American Dream of Home Ownership into a NIGHTMARE! Strong words?? Yes. But there is no other way to put it.
While perusing these websites, Watch for and learn about key words like:
NON JUDICIAL FORECLO$URE,
$PECIAL A$$E$$MENT$,
FINE$,
LIEN$,
LIABILITY,
LOBBYI$T$,
LEGI$LATOR$,
LITIGATION,
LAWYER$$$$$, (the benefactors)
MANAGEMENT COMPANIE$, (the other benefactors)
DUTY TO DEFEND DIRECTOR$ AND OFFICER$ LIABILITY IN$URANCE
HOA INDU$TRY VENDOR$,
EXECUTIVE $E$$ION$,
PROXIE$, (no secret ballots)
RECALL ELECTION$,
$PECIAL ELECTION$,
FINANCIAL BOOK$ AND RECORD$,
RE$ERVE ACCOUNT$, (or lack thereof)
'BORED' MEETING$,
MINUTE$ OF MEETING$,
NEW$LETTER$,
POLICE POWER$, etc. etc.
(whew - hope you aren't dual income working couples with children and that you have a ton of EXTRA time on your hands for all of this HOA related '$tuff')
Let's get back to that last one, POLICE POWERS. That's right folks. What are essentially - "POLICE POWERS" - have been granted, by virtue of the laws passed by the politicians, to handfuls of so-called "elected" neighbors across the country. Better hope your neighbors like you because your 'home sweet home' lies in their hands.
If you have a hard time believing that a handful of "elected" neighbors won't try to foreclose on your home - read further.
Non-judicial HOA foreclosures seem to be gaining momentum in Arizona, California, Nevada and Texas - thanks to Yours truly, Mr. President. This has become a lucrative business enhancing the income for hi-powered HOA lawfirm$ and manager$. HOA homeowners pay the ultimate price, that is "Home Sweet Home", just to keep those common areas green. Let's face it - it ain't rocket science.
The word is, some of these lawyers and managers also own foreclosure companies - enuff said...............
THE TEXAS HOMEOWNER ADVOCATE site on NON-JUDICIAL FORECLOSURES speaks for itself!!: HOA FORECLOSURE DATA
LOST YOUR JOB? IN DEBT? CANCER GOT YOU DOWN??? FORMER ENRON EMPLOYEE?? TOO BAD!! If you can't pay those dues - your HOA could begin foreclosure proceedings on your home in 90-days.
Can't pay a $4,000 board ordered special assessment to re-landscape and put in a new irrigation system in the common areas and installed by none other than "Uncle Jim"? Too bad! your HOA could begin foreclosure proceedings on your home in 90-days.
Sad but true folks, these are just a few examples of how your legislators have been working hard for their constituents - THE LOBBYI$T$. What?? You thought they represented you? Wake up and smell the coffee. Because if you don't, it could be the last time you have coffee in your cozy little condo-cell. For more on the machinations of the HOA concept check out:
THE CONCERNED HOMEOWNERS WEB NOVEL!!:
The Fallacy of Disclosure of a Hopelessly Flawed System
Hours and hours of research went into this site where every other hi-lighted phrase and word links to another dimension of valuable HOA information. This is sure to be a World Wide Web Best Clicker!
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THIS IS AMERICA!! LAND OF THE FREE HOME OF THE BRAVE. Wait a second - scratch that - LAND OF THE NOT SO FREE AND HOME OF THE BRAVE.
So you would like to fly your flag to honor those who have fought so hard to defend freedom?
We all know freedom is not free. Plenty of blood, sweat and tears have been shed to protect even simple freedoms in the United States of America. But if you live in an HOA, think twice about flying "Old Glory".
Sad but true - homeowners living in HOA's are paying daily fines and having to spend thousands of dollars to defend their right to fly "Old Glory" in the HOA regime. One retired Marine has supposedly spent his life savings to honor his fallen comrades after 9/11. Pretty sick America.
Only in an HOA.
NoHOA.com is in place to expose this corruption, fight such oppression and to hopefully help to protect even simple freedoms.
After all, Freedom starts on the homefront. If we don't have freedom at home, then we might as well give it up.
Call it what it is folks - DESPOTISM! Despotism has now hit home. Strong words yes, but in the bigger picture of things, It is worse than despotism.
WHY? Under the guise of 'do-gooder laws', these laws are being written and passed by an unscrupulous HOA industry that makes a heck of a lot of money off of HOA dues, fines, liens, special assessments, multitudes of HOA vendor contracts, lawsuits, non-judicial foreclosures, political contributions, etc.
NoHOA.com wants you to decide for yourself why HOA's have come to be known as a "LITIGATION VORTEX". One little hint - deep pocket$!
The HOA Climate is ripe for litigation. Think about it - every homeowner, every house, every lot is worth a ton of money. Add to that the "elected" HOA 'bored' of neighbors are protected by multi-million dollar directors and officers liability insurance policies funded by your hard earned money in the form of your HOA dues.
Many of these policies are 'duty to defend' - whether they are right or wrong -the HOA board is protected. HOA lawsuits become a modern day lynching of the homeowner - even if they are simply fighting for their right to view the HOA's financial books and records. The board doesn't have to spend their life savings on litigation. The homeowner becomes the litigation feast's cash cow, is chewed up and left for scat!
There are stories of a court room scene in which "the busybody, too much time on their hands, lynch mob mentality HOA board of 'dictators' were planning a champagne party while their HOA lawyer was happily making objection after objection after objection, racking up the change. The lowly homeowner defendant just kept hearing ka-ching, ka-ching, ka-ching! The association lawyer once objected and then stood there dumbfounded as he realized he didn't even know why he had objected." We rest our case..................
Pray that your HOA never gets involved in litigation - particularly if you are one of the parties involved. There is a good chance you could be saying, BUH-BYE, to your house if you lose or even if you don't lose. Wanna take that chance?
Be aware of anyone (lawyer or otherwise) who advises you to sue or go up against a Homeowner Association in a lawsuit. IT IS AN UNLEVEL PLAYING FIELD AND HOMEOWNERS ALWAYS LOSE - WHETHER EMOTIONALLY OR FINANCIALLY.
Society is litigious enough as it is - add HOA Covenants Conditions and Restrictions, rules and regulations, by-laws, civil and corporate codes, and unethical lawyers, management companies and board member neighbors to the mix and you have the perfect cocktail for an intoxicating lawsuit.
Getting involved in HOA litigation is RISKY with a capital
R-I-S-K-Y! After all, it is your home that will be the collateral for any liability. Never mind what is left of your sanity, marriage, family life, and sadly even your children's innocence.
Who would have ever thought that the inviting sparkling pools, tot lots, tennis courts and greenbelts and parks could be such a liability - YOURS. And we have only scratched the surface.
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It's a lot of information to digest. But take your time. This information may anger and disgust you. You may feel anger toward the legislators and even towards the "whistle blower" homeowner advocates. Understandable. After all, people have home values to be concerned about. But it is now or never.
While the HOA concept may sound all nice and fuzzy on the outside - you know - perfect little community, stepford wives, white picket fences (scratch that one - one lady got harassed in California for her white picket fence), perfectly groomed green square lawns and bushes, antiseptic beige homes one after another, it just isn't reality. You are ALWAYS only one 'election' away from disaster. Year after year after year, you have to be the watchdogs. Always on alert for that one unstable personality who manages to get elected or that one corrupt manager with the sticky palms.
MANY HOMEOWNER ADVOCATES HAVE BEEN THERE, DONE THAT. Many have had horrible, tragic experiences in their own HOA regime. Many have managed to escape their HOA 'Penal Colony'. Many are still incarcerated, unable to sell their homes without taking a huge loss because of dropping home values due to HOA litigation.
While it is easier to be in denial than to realize that big fat grubworms do exist beneath the surface of HOA housing - it is risky business.
On the other hand, there is always pesticide.
NoHOA.com is a part of that pesticide. Homeowner advocates may not have the money like the powerful HOA industry lobbyists and affiliated vendors do, but they have passion, the internet and major news media.
THE AMERICAN HOMEOWNER RESOURCE CENTER is stock full of HOA NEWS and ARTICLES!!
THE AMERICAN HOMEOWNERS RESOURCE CENTER
You will find articles published by respected news publications like US NEWS, KIPLINGERS, SMART MONEY MAGAZINE, GOVERNING MAGAZINE, WALL STREET JOURNAL, WASHINGTON POST, ARIZONA REPUBLIC, HOUSTON CHRONICLE, LOS ANGELES TIMES, ORANGE COUNTY REGISTER, LAS VEGAS REVIEW JOURNAL, FLORIDA POST, SACRAMENTO BEE just to name a few. Find out what THEY have to say about HOA housing today.
NoHOA.com wants you to read the Smart Money Magazine article, "THE TEN THINGS YOUR HOMEOWNER ASSOCIATION WON'T TELL YOU". And you'll find ten reasons not to buy into HOA.
And why the Houston Chronicle is working hard to expose what has been referred to as the 'FORECLOSURE RACKET' taking place in Texas. And you'll find 10 more reasons to say HOA NO WAY.
NoHOA.com wants you to know about the radio shows:
ON THE COMMONS
which airs on Saturdays from 2-3 pm eastern time.
THE HOMEOWNERS VOICE which airs out of Las Vegas, Nevada at http://www.KLAV1230am.com
YOU WON'T BELIEVE YOUR EARS!!
It is no wonder that the X-Files once did an episode on a monster, THE TULPA, that MAULED disobedient HOA homeowners in a homeowners association that was ruled by a 'bored of dictator' named, Mr. "Gogolak".
And why John Ritter appeared in the HOA farce - "The Colony". Could it have been named after an actual "The Colony" homeowners association? Or perhaps it was the 'Penal' colony?
SUBSCRIBE TO THE HOA NEWSGROUP!!:
MISC.CONSUMERS.HOUSE.HOMEOWNER-ASSN
And see how it is burning up the internet with spirited debate on HOA's. Submit your query for answers. (Not for the faint of heart please - this newsgroup forum can get as nasty as some HOA 'bored' meetings.)
OR - Check out the HOA Network that focuses on violations of Constitutional rights in HOA laden housing.
NoHOA.com wants you to find out why the HOA industry vendors who make a living off of the HOA housing concept turn a dark shade of purple at the mere mention of the words "HOMEOWNER ADVOCATE" whose motto it is to "SAVE HOMES". Now that's not such a horrible thing is it?
BUT HEY, WHEN MONEY TALKS, REASON DOESN'T LISTEN!
(homeowner advocate, homeowner advocate, homeowner advocate)
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And so folks, here you have it. The world wide web at your finger tips. A plethora of resources and valuable information at the click of the mouse. Information that could help you save your home when you get targeted by the HOA police.
AND IT'S FREE!
Homeowner advocates have become just that, Homeowner Advocates by default. Many have spent and continue to spend thousands of dollars fighting their oppressive HOA's, crooked vendors and corrupt politicians to expose the truth about this great injustice RAPING THE AMERICAN DREAM OF HOMEOWNERSHIP! It must be stopped.
There are ways to keep communities looking nice and clean - the municipality. The HOA corporate law IS NOT NECESSARY TO ACCOMPLISH THAT! It is an unnecessary extra layer of laws governing how you will live and they are not worth the paper they are written on.
HOMEOWNER ADVOCATES HAVE SPENT COUNTLESS HOURS ON RESEARCH AND NETWORKING. THEY DON'T GET PAID FOR WHAT THEY DO. THEY DON'T HAVE EXPENSIVE LOBBYISTS ON THEIR PAYROLL. THEY CERTAINLY DON'T MAKE A LIVING DOING THIS.
THEY DON'T WANT OTHERS TO MAKE THE SAME MISTAKES. THEY JUST WANT YOU, CURRENT AND PROSPECTIVE HOA HOMEOWNERS TO BE EDUCATED, BE WARY, BE FOREWARNED. KEEP YOUR HARD EARNED MONEY IN YOUR POCKET WHERE IT BELONGS.
NoHOA.com wants you to decide for yourself if you are willing to 'invest' in HOA housing. See all the dollar signs separating these pages? That is what HOA housing is all about.
The American Home in an HOA has become a full employment tool for a sundry of unscrupulous HOA vendors who's mantra is "show me the money" - and YOU are their employer. You, dear friend, YOU - assume all risk and liability in HOA housing..................check out the articles detailing embezzlement schemes and hoa fraud.
Still have visions of lounging by that sparkling pool or going for a refreshing swim on a hot summer afternoon??????? WELL LOOK OUT FOR THE SHARKS, CUZ THEY RULE THE POOL.
GOOD LUCK! GOD BLESS AMERICA! LET FREEDOM RING!
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*(the above information is opinion and should not be taken as legal advice. NoHOA.com does not control or guarantee the content of any of the web sites that have been provided) |
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