Do you live in a community with a homeowner’s association? The organizations are becoming new de facto governments across the country as many local governments don’t want to get involved. For instance, these communities provide their own lighting, security and utilities in some states. And in many cases, everybody wins. People like not having to worry about someone putting their car on blocks or another neighbor putting up an unwanted fence. In theory, the rules protect everyone’s home values, and the dues allow for nice amenities in these communities. But sometimes these associations can get out of hand. Some residents have lost their homes over issues involving a couple hundred dollars. In one recent case, a resident who owed $1.50 lost his $285,000 home. It’s an extreme case, but it happens. Why? In many states, there was no judicial review before a foreclosure can take place. So, a board can arbitrarily vote to oust you from a community and there is nothing you can do about it. States need to step in and establish some kind of court system within these communities. There should be a right to appeal because in most states, homeowner’s associations are judge, jury and executioner in these matters. Clark thinks the idea of putting a lien against a home until a payment is made is much more reasonable than going straight to foreclosure. Just be sure to choose your battles wisely. You don’t want to lose your home over $150, much less $1.50.