Your HOA isn't above the law
The questions to ask
before you fight your HOA.
Plain-English articles on HOA disputes — fines, records requests, and hearings — that point you to the actual law, so you can understand your situation and decide your next move. Educational, not legal advice.
Latest articles
View all →Florida Condo SIRS, Milestone Inspections and Special Assessments
Florida residential condos three habitable stories or taller need a milestone inspection by age 30 and a SIRS every 10 years. What owners can't waive.
October 15, 2026 · 13 min read
Know Your LawTXTexas Condominium Association Law: Chapter 82 Rules for Owners
Texas condos created since 1994 are governed mainly by the Uniform Condominium Act. Its fine, lien, records and resale rules, and which reach older condos.
October 14, 2026 · 16 min read
Know Your LawTNTennessee Horizontal Property Act: Rules for Pre-2009 Condos
Condos created in Tennessee before 2009 still run on the Horizontal Property Act unless they opted in, but a short list of 2008-Act rules reaches them too.
October 14, 2026 · 11 min read
Dues & AssessmentsHOA Collections: Payment Plans, Late Fees and the FDCPA
Whether an HOA must offer a payment plan or limit late fees depends on state law and the CC&Rs. The FDCPA may cover outside collectors (15 U.S.C. § 1692a).
October 14, 2026 · 16 min read
Free tool
Is my HOA fine valid?
Answer a few questions about your violation notice and see how it compares to what your state's law requires before an association can fine you — with the statute quoted for each step. Free and state-specific.
What we cover
State law dictates how an HOA must give notice, hold hearings, levy fines, and turn over records. We translate it into plain English so you can see for yourself what the rules require. Each topic is broken down state by state.
HOA fines
Dollar caps, notice requirements, and the hearing you may be owed before a fine sticks.
By state →HOA records requests
Which documents you can inspect and the deadline the board has to produce them.
By state →HOA liens & foreclosure
When unpaid dues become a lien, whether the association can foreclose, and the limits states set.
By state →HOA fees & dues
What dues pay for, how increases are limited, and how special assessments get approved.
By state →HOA meetings
How much notice you are owed, whether you can attend and speak, and when boards may meet privately.
By state →HOA rules & enforcement
Rules the law overrides, from flags and solar to pets and paint, and how courts treat uneven enforcement.
By state →Which HOA laws apply
The statute, nonprofit law, federal rules, and governing documents that together control your community.
By state →HOA disputes & where to get help
Mediation, ombudsman offices, and courts, plus free and official resources in every state.
By state →Browse by state
All state guides →HOA rules are set by state law — what your board can fine you for, how fast it must produce records, and whether it can foreclose all depend on where you live. Find the plain-English guide for your state.
HOA laws by state: all 50 states side by sideFine limits, records deadlines, and hearing rules in one table, with every cell linked to the statute.Compare states →