If you’ve ever felt like your Homeowners Association (HOA) is more of a headache than a help, you’re not alone. I’ve seen firsthand how HOA abuse can turn a dream neighborhood into a nightmare. Today, I want to share some real-life HOA abuse case examples that reveal the ugly side of these organizations—and more importantly, what you can learn from them to protect yourself. Let’s dive in and unpack these stories. You’ll find practical tips, eye-opening insights, and maybe ev

Homeowners Associations (HOAs) are often marketed as guardians of “property values” and “community standards.” But the uncomfortable truth is this: HOAs were born out of a system designed to exclude. Understanding their origins explains why so many modern HOA disputes feel personal, targeted, and deeply unjust. Racially Restrictive Covenants: The Predecessor to HOAs In the early 20th century, developers openly used racially restrictive covenants —clauses written into property

For many Georgia homeowners, living in an HOA has meant far more than neighborhood rules and landscaping standards. It has meant excessive fines, unanswered questions, selective enforcement, retaliation, and in some cases, foreclosure threats over relatively small balances. After years of homeowners raising concerns with little response, change is finally being discussed under the Gold Dome. Senate Bill 361 (SB 361) —introduced by Senator Matt Brass—is legislation aimed at in