HOA Homeowners' Rights Task Force

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Thank you for visiting the community engagement tool for the HOA Homeowners’ Rights Task Force.  

Pursuant to HB23-1105, this project has now concluded. On behalf of the Department of Regulatory Agencies and the Division of Real Estate, thank you for your interest and participation.

hoa houses

We're looking for your feedback on how HOAs are working here in Colorado.

The Colorado General Assembly recently passed HB23-1105: HOA Rights Task Force, creating two task forces aimed to investigate and present written reports on issues affecting those that work or live in HOAs in Colorado.

The HOA Rights Task Force’s main priorities are to study issues confronting HOA homeowners' rights, including:

  • Homeowners' associations' fining authority and practices

  • Foreclosure practices

  • Communications with homeowners

  • Availability and method of making certain documents available to HOA homeowners in the association

If you live in Colorado and work or reside in a homeowners association – we ask you to take part in our HOA stakeholder engagement activities (below). By taking our community survey or submitting your personal story, you are helping to shape the future of HOAs in Colorado.

All responses collected will be used to inform a final report to be presented to the Colorado General Assembly, the Governor’s Office, and the public.

We're looking for your feedback on how HOAs are working here in Colorado.

The Colorado General Assembly recently passed HB23-1105: HOA Rights Task Force, creating two task forces aimed to investigate and present written reports on issues affecting those that work or live in HOAs in Colorado.

The HOA Rights Task Force’s main priorities are to study issues confronting HOA homeowners' rights, including:

  • Homeowners' associations' fining authority and practices

  • Foreclosure practices

  • Communications with homeowners

  • Availability and method of making certain documents available to HOA homeowners in the association

If you live in Colorado and work or reside in a homeowners association – we ask you to take part in our HOA stakeholder engagement activities (below). By taking our community survey or submitting your personal story, you are helping to shape the future of HOAs in Colorado.

All responses collected will be used to inform a final report to be presented to the Colorado General Assembly, the Governor’s Office, and the public.

Share Your HOA Story

How have you been impacted by an HOA?

Share your story and help us better understand how homeowner association rules or regulations have had a positive or negative impact on you. Feel free to share any concerns, complaints, ideas or advice that relates to your experience with HOA's in Colorado.

Thank you for sharing your story with the HOA Homeowners' Rights Task Force.

CLOSED: This discussion has concluded.

  • Share Thoughts on Meeting Yesterday on Facebook Share Thoughts on Meeting Yesterday on Twitter Share Thoughts on Meeting Yesterday on Linkedin Email Thoughts on Meeting Yesterday link

    Thoughts on Meeting Yesterday

    by gvito, over 2 years ago

    The Task Force meetings seem to be an exercise in futility. After speaking for hours, it seems that there are two sides which can never agree nor even admit the other side may have a point. For certain those who title themselves "Homeowners' Advocates", seem to only advocate for a small percentage of homeowners--those who fail to pay their assessments.

    I absolutely understand that there are issues with over-zealous covenant enforcement by some Boards, but how is trying to get delinquent owners to pay over-zealous? I live in a condo association with no extra amenities. Thus, those who do not... Continue reading

    The Task Force meetings seem to be an exercise in futility. After speaking for hours, it seems that there are two sides which can never agree nor even admit the other side may have a point. For certain those who title themselves "Homeowners' Advocates", seem to only advocate for a small percentage of homeowners--those who fail to pay their assessments.

    I absolutely understand that there are issues with over-zealous covenant enforcement by some Boards, but how is trying to get delinquent owners to pay over-zealous? I live in a condo association with no extra amenities. Thus, those who do not pay assessments receive all the services that they are not paying for. Their trash is picked up; their water, building insurance and building maintenance are paid for. The snow is shoveled from their walks and parking lot, the grass in front of their unit is mowed. Who pays for all these services? Those who faithfully pay their assessments. These seem to be the folks that Rep Ricks, et al, have no interest in. Nor are they interested in hearing about the costs incurred each time the Colorado Legislature passes a law which mandates an HOA add a new procedure. They don't even bat an eye when told that people have been harassed and threatened when posting the mandated notices of delinquency on doors.

    Also, now that Rep Ricks has introduced her new bill regarding foreclosures, I need to understand how she knows exactly how much attorney foreclosure services should cost. Does she have a clue how many steps are involved? How many hours are spent following the prescribed procedures? I wonder if the purpose of stating how much an attorney may charge is to get attorneys out of the HOA foreclosure business so that tool to try to recoup delinquencies will be gone and once that is gone, any hope of receiving the money due will also be gone.

  • Share Not Petty and the Homebreakers II on Facebook Share Not Petty and the Homebreakers II on Twitter Share Not Petty and the Homebreakers II on Linkedin Email Not Petty and the Homebreakers II link

    Not Petty and the Homebreakers II

    by Robert Racansky, over 2 years ago



    If it's in your covenants, it's not petty. It's a covenant that you agreed to comply with when you moved into the association. There is a responsibility to follow the rules and to pay the assessments.
    - Lallis Jackson. H.O.A. Task Farce. January 16, 2024.
    https://www.youtube.com/watch?v=hyDa3Rh0J4U @ T+2:48:43


    Nashville, Tennessee. The frantic cry still haunts Monica Meeker.

    It punctured the darkness as she and her husband lay in bed at the end of a fun-filled day celebrating daughter Camilla’s third birthday last October.

    She rushed to her daughter’s bedroom and found her hanging from a window, the cord from the... Continue reading



    If it's in your covenants, it's not petty. It's a covenant that you agreed to comply with when you moved into the association. There is a responsibility to follow the rules and to pay the assessments.
    - Lallis Jackson. H.O.A. Task Farce. January 16, 2024.
    https://www.youtube.com/watch?v=hyDa3Rh0J4U @ T+2:48:43


    Nashville, Tennessee. The frantic cry still haunts Monica Meeker.

    It punctured the darkness as she and her husband lay in bed at the end of a fun-filled day celebrating daughter Camilla’s third birthday last October.

    She rushed to her daughter’s bedroom and found her hanging from a window, the cord from the blind wrapped tightly around Camilla’s neck.

    “She was gasping for air and crying and coughing,” Meeker said. “She had purple ligature marks on her neck for a week.”

    The couple took down the blinds that night, replacing them with curtains.

    Within two weeks, a letter arrived from the property manager for their homeowners association. The gray curtains they’d put up violated the association’s standards.”

    The Meekers spent thousands on a losing battle with the HOA — even after the near tragedy, it wouldn’t back down on the requirement.

    The Consumer Product Safety Commission says that on average, one child dies each month of strangulation from blind cords.

    The family unsuccessfully tried to fight the window blind requirement, spending $7,000 on legal fees, but last summer moved to a home that is not in an HOA.

    sources

    - Judy L. Thomas. “HOAs from Hell: Homes Associations Torment Residents They’re Supposed to Support”. Kansas City Star. August 03, 2016.
    @ http://www.kansascity.com/news/special-reports/hoa/article92502962.html

    - Judy L. Thomas. “HOAs from Hell: More Horror Stories, More Fraud — and Prospect of Legislative Action”. Kansas City Star. December 23, 2016.
    @ https://www.kansascity.com/news/special-reports/hoa/article122547749.html

    - Joe Ledford and Monty Davis. “Tennessee Family Battles HOA After Daughter Is Nearly Strangled”. Kansas City Star. February 07, 2018.
    video @ https://www.kansascity.com/news/special-reports/hoa/article93106177.html


  • Share SB 11-234 Transfer fee ban on Facebook Share SB 11-234 Transfer fee ban on Twitter Share SB 11-234 Transfer fee ban on Linkedin Email SB 11-234 Transfer fee ban link

    SB 11-234 Transfer fee ban

    by Summerbreeze , over 2 years ago

    It would be desirable if someone could explain who is exempt from transfer fees. Our POA started charging a transfer fee and status letter fee in 2023. We do not have a tranfer fee covenant or any mention of transfer fees in our POA documents. These fees showed up in real estate closing transactions with no input from the membership. I believe that the board should have given the members the right to decide whether the buyer/seller pays or to split the cost and decide how much these fees should be if any. 33.3-317(1)(h.5) requires that homeowners associations disclose this... Continue reading

    It would be desirable if someone could explain who is exempt from transfer fees. Our POA started charging a transfer fee and status letter fee in 2023. We do not have a tranfer fee covenant or any mention of transfer fees in our POA documents. These fees showed up in real estate closing transactions with no input from the membership. I believe that the board should have given the members the right to decide whether the buyer/seller pays or to split the cost and decide how much these fees should be if any. 33.3-317(1)(h.5) requires that homeowners associations disclose this information, correct? There are no meeting minutes even discussing these fees. We do not have a PM and we all own our houses. The board took it upon themselves to do this.

  • Share ..."good actors and good payors"... on Facebook Share ..."good actors and good payors"... on Twitter Share ..."good actors and good payors"... on Linkedin Email ..."good actors and good payors"... link

    ..."good actors and good payors"...

    by whoownsmyhome, over 2 years ago

    There is a name for a system of governance where the state (HOA/Community Management) subjugates the individual (house owner) not only economically but by attitude and beliefs. As I've listened to these many webinars and discussions, one cannot escape the overriding conclusion, there is no authentic or genuine understanding of the problems house owners face. Economically, we are seen as the bottomless well of assessments. We have no voice in those assessments. Even as I write this in February 2024, my HOA has no financial statement available since October of 2023. We have no posted budget for 2024 although assessments... Continue reading

    There is a name for a system of governance where the state (HOA/Community Management) subjugates the individual (house owner) not only economically but by attitude and beliefs. As I've listened to these many webinars and discussions, one cannot escape the overriding conclusion, there is no authentic or genuine understanding of the problems house owners face. Economically, we are seen as the bottomless well of assessments. We have no voice in those assessments. Even as I write this in February 2024, my HOA has no financial statement available since October of 2023. We have no posted budget for 2024 although assessments were doubled on December 1, 2023. We have no posted meeting minutes for 2023 except for a Board Meeting that took place, unannounced, on a Thursday morning in May, 2023. We had an Annual Meeting in December of 2023. There may have been an election. We have no posted Board Members. I was told in December 2023, IF I attended the Annual Meeting in December 2023, all things would be explained to me and I would receive a "packet" providing the underlying reasons for the increase in assessment. Since caring for my spouse makes it impossible to attend these meetings in person, I was never sent or given or provided any documentation for the increase. The December 1, 2023 email of assessment increase is all I have. Informed Consent? But I am a "good actor and good payor". I am told what to pay and if I don't there will be consequences. I understand that.

    What I also understand, all too well, is that contract between myself and the HOA/Management Industry only exists in the framework of me upholding my end and there is no reasonable expectation of the same from the HOA/Management Industry. There are no consequences for them. They can violate even the most easily understood requirement of CCIOA for notification. They can choose what to interpret when it comes to CCRs or resolutions. Retention of documents, meh ... transparency...meh, ... accountability ... again meh.

    What all of your discussions of the months has lacked is ANY description of what, if anything, the HOA/Management Industry brings to the table. Where's the deterrence for the HOA/Management Industry bad actors? True story, in 2017, my house was painted by the HOA. I was told it would be painted. I was not allowed to choose the colors. The house was indeed painted, and I opened my front door to find the HOA had painted my front door black. It was not a color I would have chosen in my most wildest abandon of pre-HOA days. It was offensive to me as the Zebra house was to Ms. Jackson. Yet, it told me everything I needed to know about the HOA. My rights outside that front door did not exist. It is still black. This spring, I will buy all the "fake flowers" Amazon will allow and I will celebrate the Fake Flower Revolt to remind myself of what totalitarian really means.

    My story is not unusual and I think given the many, many stories published here probably par for the course. When those on the task force cannot admit to the bad actors within their own professions and know the danger that presents, then there is no hope and the status quo remains. Those house owners in Loveland who woke up to find their Management Company had allegedly walked away with hundreds of thousands of community funds (Loveland Police investigate suspected theft of HOA funds | 9news.com) didn't have their assessment increased because of "notification".

    What then is the greater danger? Lack of legitimate oversight or "Fake Flowers".

  • Share Lost Meeting Minutes on Facebook Share Lost Meeting Minutes on Twitter Share Lost Meeting Minutes on Linkedin Email Lost Meeting Minutes link

    Lost Meeting Minutes

    by HOA United, over 2 years ago

    RE: Homeowners' Rights Task Force Meeting on Friday, February 2, 2024

    During today's meeting, Task Force member Lallis Jackson who represents her business "Integrity HOA" and who, per her company website, holds several community association management designations from CAI and CAMICB including CMCA, AMS and PCAM, stated the following:

    [meeting minutes] "if they get lost they get lost and that does happen"

    THAT'S NOT OK. 🤷‍♂️🤷‍♀️

    RE: Homeowners' Rights Task Force Meeting on Friday, February 2, 2024

    During today's meeting, Task Force member Lallis Jackson who represents her business "Integrity HOA" and who, per her company website, holds several community association management designations from CAI and CAMICB including CMCA, AMS and PCAM, stated the following:

    [meeting minutes] "if they get lost they get lost and that does happen"

    THAT'S NOT OK. 🤷‍♂️🤷‍♀️

  • Share Another reason CCOIA must allow homeowners to exit an HOA, From WBRZ, LA on Facebook Share Another reason CCOIA must allow homeowners to exit an HOA, From WBRZ, LA on Twitter Share Another reason CCOIA must allow homeowners to exit an HOA, From WBRZ, LA on Linkedin Email Another reason CCOIA must allow homeowners to exit an HOA, From WBRZ, LA link

    Another reason CCOIA must allow homeowners to exit an HOA, From WBRZ, LA

    by Liam in Broomfield, over 2 years ago

    Livingston Parish residents in the Foxglove subdivision finding out they may never take over their homeowners association.

    Foxglove homes went on the market in 2020 and the neighborhood was in the process of building more homes. Residents bought their homes under the impression of purchasing a good quality home, and eventually taking over the HOA once construction was complete.

    Residents say neither turned out to be true.

    a resident of Foxglove said, she had multiple problems with doors, flooring and other amenities not even a year into owning the house. She said other major problems she had was a gas... Continue reading

    Livingston Parish residents in the Foxglove subdivision finding out they may never take over their homeowners association.

    Foxglove homes went on the market in 2020 and the neighborhood was in the process of building more homes. Residents bought their homes under the impression of purchasing a good quality home, and eventually taking over the HOA once construction was complete.

    Residents say neither turned out to be true.

    a resident of Foxglove said, she had multiple problems with doors, flooring and other amenities not even a year into owning the house. She said other major problems she had was a gas leak and water leak due to poor installment.

    Mascarella said she paid thousands of dollars out-of-pocket to fix these problems.

    "Last year, this past year, I spent approximately $3,000 on repairing things that should've been done through the building of the homes," she said.

    Not only that, a small ditch runs across the back of the subdivision tying into Livingston Parish's main drainage system. Mascarella called about the contractors leaving equipment in the ditch and leaving it unattended. She then found out the builder lost its builders permit.

    Livingston Parish President Randy Delatte released a statement that said, "Permits for some of the lots in Foxglove Subdivision were put on hold because it was determined there was not adequate water pressure to provide fire suppression capability for the fire district in the event of a fire."

    Delatte also said that tax payers would not be responsible for covering that charge, the engineer or developer would.

    Once the builder found out, they sold the last of their homes and abandoned the subdivision leaving all their mess behind.

    Builder assigned Community Management to handle all of Foxglove's HOA issues. They told homeowners, the builder is currently paying forty four thousand dollars a year into their HOA fund, but residents fear, if the job is never complete, the builder will stop making payments and homeowners will be stuck to pick up the difference through much higher HOA fees.

    D the builder can restart building once they resolve their water pressure issue with the parish. If they choose not to, the subdivision will remain incomplete and homeowners may never have a say in HOA fees or control of the neighborhood. But stuck with deedrestrictions

  • Share HB 24-1158 on Facebook Share HB 24-1158 on Twitter Share HB 24-1158 on Linkedin Email HB 24-1158 link

    HB 24-1158

    by Frank Wille, over 2 years ago

    HB 24-1158 was introduced in the House on 31 Jan. Part of your charter was to look at foreclosures and specifically at the procedures outlined in HB 22-1137 and make recommendations on what’s working and what’s not. The introduction of this Bill before you’ve even discussed foreclosures implies that your input is irrelevant, especially since the Bill’s sponsor is one of your Task Force members. Why was your Task Force member in such a rush to introduce the Bill?

    HB 24-1158 was introduced in the House on 31 Jan. Part of your charter was to look at foreclosures and specifically at the procedures outlined in HB 22-1137 and make recommendations on what’s working and what’s not. The introduction of this Bill before you’ve even discussed foreclosures implies that your input is irrelevant, especially since the Bill’s sponsor is one of your Task Force members. Why was your Task Force member in such a rush to introduce the Bill?

  • Share HB24-1158 on Facebook Share HB24-1158 on Twitter Share HB24-1158 on Linkedin Email HB24-1158 link

    HB24-1158

    by lynndougherty, over 2 years ago
    Our HOA received notification today of this pending bill regarding foreclosures. My question is why a task force meeting is being held tomorrow on foreclosures if legislation is already in the mill?

    This seems like a complete waste of time. Why does the task force exist, if the legislators (one who is a member of the task force) are already proposing a new bill on the same subject.

    Our HOA received notification today of this pending bill regarding foreclosures. My question is why a task force meeting is being held tomorrow on foreclosures if legislation is already in the mill?

    This seems like a complete waste of time. Why does the task force exist, if the legislators (one who is a member of the task force) are already proposing a new bill on the same subject.

  • Share Use of Attorney to Threaten and Falsely Accuse on Facebook Share Use of Attorney to Threaten and Falsely Accuse on Twitter Share Use of Attorney to Threaten and Falsely Accuse on Linkedin Email Use of Attorney to Threaten and Falsely Accuse link

    Use of Attorney to Threaten and Falsely Accuse

    by PaulG, over 2 years ago

    There are many examples I could give of duplicitous actions by the HOA Board at Hampden Court 80231, but this latest goes way beyond the pale. This month there was a water leak in my kitchen. I contacted my Homeowner's Insurance who sent out a mitigation company to assess and stop the leak if possible. The water was turned off in the kitchen, and then three days later a plumber was able to fix the leak. There are still paper towels under the sink that prove there is no more leaking. I did not hear from the renter or the... Continue reading

    There are many examples I could give of duplicitous actions by the HOA Board at Hampden Court 80231, but this latest goes way beyond the pale. This month there was a water leak in my kitchen. I contacted my Homeowner's Insurance who sent out a mitigation company to assess and stop the leak if possible. The water was turned off in the kitchen, and then three days later a plumber was able to fix the leak. There are still paper towels under the sink that prove there is no more leaking. I did not hear from the renter or the owner in the unit below me, so assumed that the only damage was to my unit. I attended a virtual HOA Board meeting on January 24, 2024 and no one brought up anything to me about a water leak. There was no attempt by the HOA to contact me to set up a time to inspect the water leak at all. To my utter dismay, I received a PDF email letter from an attorney claiming to represent the HOA, making false statements that I had refused the HOAs attempt to enter my Condominium, and threatening me with financial harm if I did not allow them in on February 1, 2024. A simple phone call and an attempt to set up a time to look at the area by a plumber of their choice would have been very easy, but instead they decided to lie and act like this was their second attempt to reach me and inspect my Condo. This kind of threatening and dishonest communication is very disturbing.

    Here is a copy of the Attorney's letter (remember there are false accusatory statements along with threats of finacial harm):

    WRITER’S DIRECT DIAL:(720) 550-7280
    E-MAIL: ACHIRLIN@SJJLAWFIRM.COM
    REPLY TO: Colorado Office
    WWW.SJJLAWFIRM.COM

    January 29, 2024

    SENT VIA EMAIL
    musecal2@gmail.com

    Paul David Grundy
    3480 S Akron St, Unit 10
    Denver, CO 80231
    Re: Hampden Court Condominium Association, Inc.—Water Loss at 3480

    S Akron St, Unit 10

    Our File No.: 13179
    Dear Paul David Grundy:
    Our office represents Hampden Court Condominium Association, Inc. (the “Association”),
    which governs the common interest community known as Hampden Court Condominiums
    (the “Community”). The Association has requested that we contact you regarding the water
    loss at your unit located at 3480 S Akron St, Unit 10, Denver, CO 80231 (the “Unit”). Please
    direct all communications regarding this issue to our attention.
    As the Unit is located in the Community, you and it are bound by and subject to that certain
    Declaration of Covenants, Conditions, and Restrictions Establishing a Plan for Condominium
    Ownership of Hampden Court Condominiums (the “Declaration”). Unless otherwise defined
    in this letter, initially capitalized terms or those defined in the Declaration shall have the
    same meaning herein.
    The Declaration, among other things, identifies and establishes the maintenance
    responsibilities of the Association and of the Owners. Generally, Owners are responsible for
    maintaining and repairing their units and appurtenant Limited Common Elements, while the
    Association is responsible for all other Common Elements not located in a unit. Declaration,
    §§ 10.1; 10.2. The Declaration further provides, in relevant part:
    Section 6.7. Access to Units for Maintenance, Repair, and Emergencies.
    The Owners shall have the irrevocable right to be exercised by the Managing
    Agent, Board of Managers of the Association or their delegated
    representatives, to have access to each [u]nit from time to time during
    reasonable hours as may be necessary for the maintenance, repair, or
    replacement of any of the Common Elements therein or accessible therefrom.

    Paul David Grundy
    January 29, 2024
    Page - 2 -

    Such right of access shall be immediate for the making of emergency repairs
    therein in order to prevent damage to the Common Elements or to another
    [u]nit. The Association shall also have all the foregoing rights independent of
    any agency relationship....
    Declaration, § 6.7. The Association therefore has the immediate right of entry to any unit in
    an emergency in order to prevent damages to the Common Elements or another unit and,
    furthermore, has the right of entry to any unit in order to make maintain or repairs to the
    Common Elements.
    As you know, a recent water leak was identified to be coming from your Unit. When the
    Association attempted to gain entry to the Unit to mitigate damages and identify the scope
    of damages, you improperly denied the Association access. This refusal to allow entry was in
    violation of the Declaration. The Association now requires entry to the Unit in order to assess
    the damage to the Common Elements, which it is responsible for repairing. You do not have
    the authority to prohibit the Association from fulfilling its maintenance obligations under
    the Declaration and, as such, do not have the authority to prohibit its contractors from
    entering the Unit to assess the damages to and make repairs to the Common Elements. If any
    damages are determined to be due to your prior failure to permit the Association access to
    the Unit, the cost to repair said damages will be assessed back to your Unit pursuant to the
    Declaration. Id.
    The Association’s contractor will return to the Unit on February 1, 2024 between 11:00
    AM and 1:00 PM MT to determine the scope of damage to the Common Elements. If you
    again prohibit the Association access to do so, the Association will consider this a violation
    of the Declaration and will take enforcement action consistent with its covenant enforcement
    policy. Additionally, the Association may return to the Unit with law enforcement in order to
    ensure its access to the Unit and, if such action is necessary, will assess all related costs
    against the Unit in accordance with Colorado law. See C.R.S. § 38-33.3-123(1)(b). We hope
    these additional steps to complete the project will not be necessary.
    Thank you for your attention to this matter and please contact me with any question.

    Very truly yours,
    SMITH JADIN JOHNSON, PLLC

    Alyssa E. Chirlin
    Attorney At Law


  • Share Not Petty and the Homebreakers on Facebook Share Not Petty and the Homebreakers on Twitter Share Not Petty and the Homebreakers on Linkedin Email Not Petty and the Homebreakers link

    Not Petty and the Homebreakers

    by Robert Racansky, over 2 years ago

    If it's in your covenants, it's not petty. It's a covenant that you agreed to comply with when you moved into the association. There is a responsibility to follow the rules and to pay the assessments.
    - Lallis Jackson. H.O.A. Task Farce. January 16, 2024.
    https://www.youtube.com/watch?v=hyDa3Rh0J4U @ T+2:48:43

    You can't make a Community Association omelette without breaking a few homeowners.

    Ask Val Ford whether a homeowners association can do harm, and he will respond that his destroyed his health and wealth.

    Ford, 72, and his wife, Ann, are on the verge of losing their home after the Master HOA for
    ... Continue reading

    If it's in your covenants, it's not petty. It's a covenant that you agreed to comply with when you moved into the association. There is a responsibility to follow the rules and to pay the assessments.
    - Lallis Jackson. H.O.A. Task Farce. January 16, 2024.
    https://www.youtube.com/watch?v=hyDa3Rh0J4U @ T+2:48:43

    You can't make a Community Association omelette without breaking a few homeowners.

    Ask Val Ford whether a homeowners association can do harm, and he will respond that his destroyed his health and wealth.

    Ford, 72, and his wife, Ann, are on the verge of losing their home after the Master HOA for the Southcreek Townhomes in Englewood foreclosed on them.

    The HOA, which charges dues of $240 a year, has amassed $9,000 in fines and late fees against the ailing couple in a nine-year battle that started with a misplaced trash can that Ford used to collect debris from a nearby community mailbox.

    “We have taken it, taken it and taken it,” Ford said. “There is no recourse as far as I can see.”

    He violated rules that limited his ability to fly an American flag or display a lit cross at Christmas and Easter. When he put the wrong kind of slats on his fence, he had to rip them out.

    Ford said he thinks the HOA is looking for any chance it can to punish the couple. In late 2010, before his wife’s surgery for breast cancer, the HOA won a court order allowing it to garnish their bank fund. The HOA took all the money the couple had saved for the surgery.

    “Touching HOA law is always a bit dicey around here,” [ Colorado State Senator Morgan ] Carroll said of the vested interests surrounding the state’s HOA laws.


    - Aldo Svaldi. H.O.A. "Horror Stories ..." Denver Post. February 12, 2012.

    $ 240 / year in H.O.A. dues x 9 years = $ 2,160
    vs
    $ 9,000 in fines and late fees

    I've seen articles leaning as if H.O.A.s are out here and they're a big monster trying to trying to take over something. The H.O.A., I promise you, does not want your house. They just want you to follow the rules. That's it.
    - Lallis Jackson. H.O.A. Task Farce. October 24, 2023.
    https://www.youtube.com/watch?v=Z5k8hRj6iNc @ T+0:58:29


    What's really driving this is the dynamics of these [H.O.A.] collection lawyers who are just out to generate fees and to sell these houses off as fast as they can.
    - Evan McKenzie, former H.O.A. attorney and author of Privatopia (1994) and Beyond Privtopia (2011). Quoted by ABC on 20/20 in “Do Homeowner Associations Go Too Far?” Arpil 19, 2002.