Mr. Bumble got it right in “Oliver Twist,”: “The law is an ass — an idiot.” In North Carolina that sums up the legal protections of homeowners against homeowners’ associations.
The law says lots of pretty things about how homeowners’ associations, commonly known as HOAs, must operate but provides no real enforcement mechanism or relief for homeowners harmed by their HOAs.
HOAs have legal authority to take as much money from owners as they deem necessary and to place liens on, and even foreclose on, owners’ homes. That’s scary authority, easily abused.
What’s needed is transparency and accountability, but they are sadly lacking in N.C. law.
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