Free legal tools for US homeowners
Your HOA has power.
So do you.
74 million Americans live under HOA rule. Most don't know their rights. We give you free tools and state-specific guides to fight back — dispute fines, stop harassment, and protect your home.
Built for homeowners in all 50 states · Always free · No account needed
What we help with
Every type of HOA dispute
Interactive utilities
Free Homeowner Tools
Fine Calculator
Instantly verify if your HOA fine exceeds state legal limits. Covers all 50 states and local caps.
Rights Assessment Quiz
Answer 5 questions to understand your leverage. Find out if your HOA followed proper legal procedure.
Violation Tracker
Build a documented timeline of every notice and fine. Essential for proving selective enforcement.
Free guides
HOA Dispute Guides
State-specific
HOA Laws by State
Explore State Laws
Click a state to view local HOA regulations and homeowner rights
HOA Dispute — Common Questions
How do I fight an unfair HOA fine?
Send a formal written dispute letter citing your state's HOA statute, request a hearing within the deadline on your fine notice, and document any similar violations at neighboring properties. Our free letter generator creates a state-specific dispute letter in under 2 minutes.
Can HOA fine you without warning?
In most states, no. HOAs are required to provide written notice of an alleged violation and an opportunity to correct it before imposing a fine. States like Florida, Texas, and California have explicit notice requirements. If you received a fine without prior notice, this is grounds for appeal.
How to file a complaint against an HOA?
File a formal written complaint with the HOA board via certified mail, then escalate to your state's HOA regulatory agency if needed. Nevada has NRED, California has the DRE, Colorado has the HOA Information Center. You can also contact your state Attorney General's consumer protection division.
What happens if you ignore HOA fines?
Ignoring HOA fines is the worst option. The HOA can add daily fines, place a lien on your property, send the debt to collections, and in most states foreclose on your home. Always respond in writing to every violation notice — even if just to dispute it and request a hearing.
Can an HOA evict a homeowner?
HOAs cannot directly evict homeowners — eviction is a landlord remedy. However, HOAs can foreclose on their lien, which effectively forces you out. This is why unpaid HOA fines and assessments must be taken seriously and disputed promptly.
What is selective enforcement by an HOA?
Selective enforcement is when an HOA enforces rules against some homeowners but ignores identical violations by others. This is illegal in most states as it violates the HOA's duty to enforce rules uniformly. Selective enforcement is a complete defense against an HOA fine.
Ready to fight your HOA?
Generate your dispute letter in under 2 minutes. Free, always.