HomeOwnerAssociations.........Designed as experiments in social engineering and manipulation of human behavior, HOAs are now functioning as private governments. These private governments must generate income in the form of HOA assessments, fees, HOA liens, and HOA foreclosures.

HOA Boards of Directors, with the help and guidance of management companies, and HOA lawyers force compliance to the CC&Rs (Covenants,Conditions,& Restrictions) that "run with the land."The CC&Rs are often ambiguous and subject to interpretation.

HOAs are "deed restricted" communities. Homeowners are "title holders" in collateral equity. Mandatory HOAs use your home equity as collateral. Your home may be liened and foreclosed by the HOA.