Tag: homeowners association

HOA social media misguided expectations

Way back when, in the beginnings of time when the internet was first being used to contact people — remember email lists — a CAI poster on its page recognized the fact that CAI could not control the internet, like presumably with the news media.  And thank goodness!

Given all the above, social media is inundated with homeowners facing serious problems with their HOA  and who cry out for help and assistance, but discover no solution to their complaints.  Yes, there’s plenty of good advice and suggestions, links to state laws and cases, etc.  The truth of the matter is that it is they, the poster, who must take action to resolve his grievances following the leads presented on the social media groups.

I’ve found that a good many of these complaints do not arise from a wrongful act by the HOA or a violation of the law. They are simply an exercise in the broad discretionary powers granted to the BOD in the governing documents; the homeowner just doesn’t like them. Nothing can be done except try to change the make up of the board, which requires a specified number of neighbors to join in. Fact chance!  Do they charge their town council with wrongdoing when they disagree with a position taken by the council?  Not usually.

While homeowners airing their problems on the internet may get   a large degree of sympathy — poor guy, they dun me wrong, unbelievable, etc. — nothing is accomplished when dealing with rogue HOAs and directors. By definition, the law and governing documents mean nothing to them, and they know that some 80+% will not take effective action – sue the bastards! And the numerous consumer protection – regulation agencies are ineffective lacking in punitive actions. The HOA holds all the aces; you lose!

The bottom line is to lobby the legislature to adopt 1)  substantive laws that protect your individual rights and freedoms supposedly guaranteed by the Constitution, 2) fair elections procedures to level the playing field for the democratic functioning of the HOA (how about ½ vote per lot if the owner resides less than 7 months), 3) attainable HOA enforcement procedures that effectively serve as a punishment  and as a detriment to further wrongful conduct, as exists with misdemeanors charges in the public domain, and 4) prohibit the cruel and unusual punishment allowed in the current  homeowner losers all foreclosure procedures.

All social media groups must make these reforms a top priority and inform the complaining homeowner that there is no push button instant solution to the ills of HOAs in our society.  We can only  hope that the majority of owners will finally realize that they are up the creek without a paddle and get angry enough to get involved wholeheartedly. This should be objective for all HOA social media groups.

HOA Homestead Exemption Exclusion (SB1470)

`Please pass SB 1470, homestead protection for the people.

History of Homestead Exemption HOA Exclusion (SB1470)

In 2004 ARS 33-1806(3)(h) was added to the mandatory disclosure requirements, requiring a buyer to sign an acknowledgment that he agrees to the loss of his homestead exemption (now $400,000). Just one year later, in 2005, the statute was again amended to remove any reference to the loss of the homestead exemption.  In 2007 Governor Napolitano vetoed the homestead exemption bill on a flimsy argument – to many subjects.

Today, ADRE (real estate dept)  still does not inform consumers of the loss of their homestead exemption.

In 2007 I wrote, in part,

“They [CAI] raise the issue of a consensual agreement, the unsigned CC&R ‘agreement,’ which, under Arizona statutes, is an exception to the application of the homestead protection.  The author of the S/E amendment to the bill, Representative Farnsworth, made quite clear that ARS33-1807(A), which opens with, ‘The association has a lien . . . .’ (emphasis added), is a statutory lien and not a consensual lien – the homeowner has no choice in the matter whatsoever. 

“Any reference to a consensual lien must come from a voluntarily entered agreement, and, not from a statute. Our concern here is the alleged CC&Rs consensual agreement that may contain a provision for an agreement to a lien for unpaid assessments and the right to foreclose.  No CC&R that I have been made aware of mentions a surrender or a consent to the loss of the homestead exemption.  No real estate purchase agreement that I am aware of mentions an agreement to surrender the homestead exemption. The CC&Rs have been held as binding, not as a consensual agreement per se, but by the application of the doctrine of constructive notice, or the simple posting to the county clerk’s office.” 

This is the Legislature’s second chance to restore the equal protection of the laws to homeowners in HOAs. There is no justification for denying homestead protection when.

Resources

ARS Title 33, -Ch. 8

 33 – 1101. A. Any person the age of eighteen or over, married, or single, who resides within the state may hold as a homestead exempt from attachment, execution and forced sale, not exceeding $400,000 in value, any one of the following:

1. The person’s interest in real property in one compact body upon which exists a dwelling house in which the person resides.

2. The person’s interest in one condominium or cooperative in which the person resides.

33-1103. Homestead exemption; extent of exemption; exceptions

A. Real property that is subject to the homestead exemption provided for in section 33-1101, subsection A is exempt from involuntary sale under a judgment or lien, except in connection with:

1. A consensual lien, including a mortgage or deed of trust, or contract of conveyance.

33- 1256; 33 – 1807. A. The association has a lien on a unit for any assessment levied 14 against that unit from the time the assessment becomes due.

SB1470 (Feb. 13, 2023)

C. Subsection B of this section does not affect the priority of

10 mechanics’ or materialmen’s liens or the priority of liens for other

11 assessments made by the association The lien under this section is not

12 subject to chapter 8 of this title.

HOA “bible” ignores members’ property rights

An excerpt from the HOA “bible” that was the source of the HOA legal scheme and structure, and included appendices on model CC&Rs and bylaws (Appendices F, G, and H, pages 384 – 402). While over time minor changes have appeared in governing documents, they are for the most part, and in particular on fundamental issues, boilerplate covenants contained in the Handbook.

Note that no mention is made of the homeowner, the HOA member, whose property interests are at stake and the subject of the legal scheme. “Association officers,” as we have discovered, represent the association and not the personal property interests of the members. The members are there, it seems, to fund the HOA. It is a top-down governmental structure with little concern for protecting principles of democratic government.

Homeowner rights advocate Staropoli: Recommended Author

Amazon books/eBooks has a category “Recommended Authors For You.” While in my Amazon Prime page, it appeared on-and-off when I viewed an author in the constitutional law category (Oct. 30, 2020).  I am proud to say that my years of hard work has paid off this month with Amazon recognizing that I’m an author of note in this category.  Apparently it selectively appears depending on your interest history.

I met Randy E. Barnett, the top-right author, and have an autographed copy of his book, Restoring the Lost Constitution. I also appeared on his Amazon author web page (Amazon randomly selects qualified authors for recommendations). 

Laws without enforcement are just recommendations

In response to a post by Maria Winlet on the FB page, “HOA Reform – stop the abuse”,  reporting an article by Jessica Boehm of The Arizona Republic, I posted the following on the FB page:

“Want to stop this flagrant abuse and lack of homeowner protection by pro-HOA biased legislation, here in az or in any other state? Let’s hope that the uniform law commission — creator of UCIOA and its failed 2008 bill of rights version — agrees to pursue a legitimate bill of rights focused on limiting HOA government and protecting member rights, as is the intent of the constitution’s bill of rights. Set to decide this Oct. 29th. * * * * the ULC scope committee is handling the review. Timothy Berg is the committee chair. You can send an email to info@uniformlaws.org attn T Berg with a reference to member bill of rights. They have my history of HOA member bill of rights as posted here and on my website. We must offset CAI’s influence.”

All advocates and homeowners need to do their part if substantive reforms are to become real.