HOA Letters
HOA letters that get a response.
HOAs have only the authority their CC&Rs and state statute grant them — and every state imposes specific procedural requirements for fines, assessments, records access, and collections. These letters cite the controlling statute and demand the procedure the law already requires.
HOA Fine Dispute Letter (Free Template + State Procedural Rules)
An HOA's power to fine is not inherent. It comes from the CC&Rs plus a state common-interest community statute, and every state requires the same basic procedural skeleton — notice, opportunity to cure, hearing, written decision. Skip any of it and the fine is procedurally defective.
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HOA Records Inspection Demand Letter (Free Template + State Rules)
Every state with a planned-community statute gives members a statutory right to inspect HOA books and records. The right is procedural, not discretionary — boards cannot demand approval, and most states cannot require a stated reason. This letter invokes the specific procedure your state imposes.
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HOA Selective Enforcement / Waiver-by-Acquiescence Letter (Free Template)
HOAs must enforce CC&Rs uniformly. When they don't — when the same paint color, the same RV, the same satellite dish gets cited at your address but not at your neighbors' — you have two distinct defenses: waiver by acquiescence (equitable, no protected class needed) and disparate enforcement under the federal Fair Housing Act.
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HOA Special Assessment Dispute Letter (Free Template + State Caps)
HOA boards can impose special assessments only within the authority granted by CC&Rs plus state statute. Most states cap board-only assessments, require member vote above the cap, and demand specific notice and meeting procedures. Procedural defects make the assessment voidable.
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HOA Hardship Payment Plan Request Letter (Free Template + State Rules)
Unpaid HOA assessments can spiral fast — late fees, collection costs, attorney's fees, lien, and ultimately foreclosure. Several states now require the HOA to offer a payment plan before escalating. This letter invokes those statutory hooks and documents the hardship.
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