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HOA fees are considered "debts" under the FDCPA, and homeowners are protected "consumers." Victims of unfair debt collection practices can file a complaint with the Georgia Department of Law Consumer Protection Division, the FTC, or the CFPB.
The Georgia Property Owners' Association Act (GPOAA), O.C.G.A. §44-3-220, et. seq., governs formation, management, powers, and operation of applicable associations, is Georgia's law specifically applying to homeowners associations.
A homeowner's association (HOA) is an organization in a subdivision, planned community, or condominium building that makes and enforces rules for the properties and residents. Those who purchase property within an HOA's jurisdiction automatically become members and are required to pay dues, known as HOA fees.
A board member may not serve more than 8 consecutive years unless approved by an affirmative vote of unit owners representing two-thirds of all votes cast in the election or unless there are not enough eligible candidates to fill the vacancies on the board at the time of the vacancy.
The Georgia Property Owners' Association Act (GPOAA), O.C.G.A. §44-3-220, et. seq., governs formation, management, powers, and operation of applicable associations, is Georgia's law specifically applying to homeowners associations.
In Georgia, the HOA can get a lien on your home, and then file for foreclosure, as soon as the homeowner owes $2,000. Nowack said it can take four years to accrue that much debt and win a judicial foreclosure.
Any declaration or amendment intending to bring or avail a development of the benefits and provisions of this article shall state an affirmative election to be so governed. Any original declaration shall be duly executed by or on behalf of all of the owners of the submitted property.