Dr. Solomon has had his finger on the pulse of association atrocities for a number of years. He has heard from homeowners who were confused, scared and at their wit’s end.  They have talked to him, cried on his shoulder and written him long emails.  Through it all, he has developed a keen sense of what people are going through and what the effects are on their health.  He understands the terror some homeowners live under and he also has unique perspective of where it all started and where it is headed.  And the news is not good.

Dr. Gary Solomon joins us On The Commons this week. Dr Solomon is a retired Psychology Professor and a psychotherapist who has been studying the physical, emotional and psychological effects of stress and abuse on HOA homeowners. He has written a number of papers discussing the problems and published an e-book called HOA Crisis in America that is available for free.  His research continues and he is committed to making a difference in the HOA arena.  He explains why we are having these problems.   It all comes down to money and the never ending supply that is being syphoned out of owners’ accounts.  

With municipal mandates for association controlled housing, life in the American suburbs has been transformed.  As intrusive and controlling as associations can be, at least housing consumers, with a few caveats, still have the ability to live where they choose to live.

But if you thought government’s reach into your  personal life and home has gone too far, hold onto your hat, because you ain’t seen nothing yet. 

Dr. Bonner Cohen joins us On The Commons this week.  Dr. Cohen is a senior fellow at the National Center for Public Policy Research, a senior policy advisor with the Heartland Institute, a senior policy analyst with the committee for a Constructive Tomorrow, and an adjunct scholar at the Competitive Enterprise Institute.  He is a published author and a speaker.  Dr. Cohen explains how a new HUD regulation will further government intrusion in our jurisdictions and our neighborhoods.  The HUD regulation, in its typical governments is broken down and explained in an article titled: Attention America’s Suburbs You Have Just Been Annexed.  For an in-depth discussion on this topic, tune in and listen to Dr. Cohen expand on the article.  

Well, that’s where we need YOUR help.  Over the past several decades housing and homeownership has changed dramatically.  Gone are the days when a house was a stand alone dwelling, where the owner had full sovereignty of the real estate he or she bought.  Gradually deeds to new homes started to come with a growing list of restrictions, covenants, duties and obligations.  These changes happened over a period of time and are continuing to evolve.  All of this happened without YOUR input.  No one ever asked the housing consumers if this new form of housing was something they wanted.  No one fully explained the ramifications of all the conditions and restrictions.  In fact much of it was sugar coated or cloaked in half truths, misinformation or downright deceit.

Finally it is YOUR TURN to tell us what you think.  Take the Survey.

Sara Benson joins us On The Commons this week.  Sara is a long time Real Estate Broker in Chicago.  Over the years she has seen the problems associated with condos. co-ops and homeowner association controlled housing.  She is aware of the negative effects mismanaged and under reserved developments can have on the peace of mind of the owner, the financial plans for the future and the value of a property.  She has witnessed the stress related physical issues homeowners have as a result of a tyrannical board or management company.  She is committed to changing all that.  Sara and a small group of homeowners would like YOUR HELP to come up with a list of some of the most egregious problems.  It is YOUR TURN to be heard.  Please take the survey NOW.

A few things to keep in mind.  This survey is an independent survey and not affiliated with any industry.  The information is strictly confidential.  The questions are not about any issues or problems you have had or are having but rather your perception of what the problems are. Take the survey and have a voice in the changes that most affect you in your world.

They don’t build things like they used to.  The Pyramids of Egypt have been around since approximately 2700 BC, that’s almost 5000 years.  I wonder how much maintenance has been done on them over the centuries?  Our cardboard and scotch tape buildings fail after a few years and will probably not be a source of amazement in a century.  In fact, at this rate, most of them will not be still standing and that’s with maintenance.  How times they are a changing!

Tyler Berding joins us On The Commons this week.  Tyler is a founding partner of Berding and Weil, a law firm in California specializing in construction defect litigation and condominiums.  He has long warned us of the perils we are facing by not being adequately funded for multi unit housing.  Tyler also maintains a blog called, not surprisingly, Condo Issues.  Tyler talks about a couple of recent tragic building failures in California that claimed the lives of several people.  He explains why he believes these buildings are failing and what can be done about it.  He also tells us about one bill he wrote that he thinks might help in the future.  But at no time does he promise us that we will be building and living in anything that is remotely as well built as the Pyramids built by the ancient Egyptians.  

They sounded like such great ideas, so what could possibly go wrong?  Instead of keeping residential America under the jurisdiction of local municipal governments, the trend was to put them in private enclaves where covenants ruled and where the notion of a contract was above the law.  Add a few frills where everyone shares in the expense of amenities and you have heaven on earth.  Right?  Now expand the utopian lifestyle to the renters by converting apartments into condos and establishing special financing to help them get their foot on the first rung of prosperity and we are on our way.  

As I write this, my mother’s words come back to haunt me; “If it sounds too good to be true, it probably is too good to be true.”

Professor Evan McKenzie joins us On The Commons this week.  Evan was on the first radio show I ever did and I am delighted to have him join us as we mark our 15th anniversary of On The Commons. 

Evan is a political science professor at the University of Illinois Chicago, he teaches law at the John Marshall School of Law, he is the author of Privatopia: Homeowner Associations and the Rise of Residential Private Government and  Beyond Privatopia: Rethinking Residential Private Government.  He maintains a blog at The Privatopia Papers where he discusses and follows the news and trends on associations.  He is just back from a conference in Israel on private communities  where he presented a paper titled: “Rethinking Residential Private Government in the United States: Recent Trends in practices and Policy”.  Join  us as Evan shares some of the problems and issues other countries are facing with their experiences in private communities, and how at least one country, Spain, deals with the “apathy” problem.  

American homeowners once enjoyed complete sovereignty over property they owned.  Home truly was their castle where they raised their families, entertained friends, hosted get togethers and surrounded themselves with the things that meant something to them.  Sadly that way of life gradually evaporated.  Over the last three or four decades that right of ownership has eroded, leaving homeowners confused, shocked, upset and often in unimaginable trouble.  Inordinate amounts of money are spent on the most legal ridiculous legal battles with neighbors and local governments.

How did that happen?  How did a simple and sane concept devolve into the battlefields that were once our residential neighborhoods?  What happened to our “communities” where neighbors not only knew your name but were ready and willing to  help.  

Tom DeWeese joins us On The Commons this week.  Tom is one of the nation’s leading advocates on private property rights. He is the founder and president of The American Policy Center headquartered in Warrenton, Virginia.  Tom is a prolific writer, and speaker, he is energetic, outspoken and passionate about educating citizens, politicians and organizations about the many threats to our personal freedoms and our property rights.  He warns us that special interests are all too proficient at convincing politicians to enact harmful legislation and to adopt policies designed to alter the way we live.  With upcoming elections, candidates will be appearing and speaking at a number of public events.  He has devised 3 questions to ask political hopefuls about the environment, education and eminent domain. Tom demonstrates how all these issues are part of the bigger picture, including residential associations.  

The legislative process never ceases to amaze me.  Every year thousands of bills are introduced by our representatives both at the Federal level and in State Capitols across the country.  Some have a list of sponsors while others do not.  Every bill goes through a hearing process in subcommittees where they are either passed on to the full committee as presented, amended or killed.  The survivors of the first cut then go through the process again in front of the full committee, and if not killed get passed on either intact or amended to one of the two houses, talked about, voted on, amended and if not killed the bill goes to the other house and eventually ends up on the President’s or the Governor’s desk where it is signed into law or vetoed.

With the seemingly endless opportunities to hear and discuss proposed legislation, how on earth do we end up with so many bad laws on the books?

David Kahne and Beanie Adolph join us On The Commons this week.  David is among a handful of attorneys who has and will represent homeowners in  HOAs.  Although she has never lived in an association controlled development, Beanie is a tireless advocate for preserving individual and private property rights.  She is the Director of the HOA Reform Coalition of Texas.  She also provides a page where homeowners can share their HOA problems because, as she explains, “… there is no state agency where homeowners can register their problems”.  David and Beanie give us a rundown of some of the bills the Texas legislature had in front of them.  We also learn that the legislators did not want to hear from the homeowners so David went to Austin to represent the Coalition and Texas homeowners.  Tune in for a run down on the bills, what they would have done, which ones passed and which ones were killed, at least for this year.

The hunt is on.  After scrimping and saving to buy that perfect home housing consumers have been dreaming of, it is time to start looking.  How long will it take to find that one perfect house?  Will they know it the minute they walk in?  Will they fall in love with the view from living room window or will the smell of brownies baking in the oven convince them they have found the home of their dreams? 

Wait a minute.  Not so fast.  Do they have any idea what they are buying? If that dream home is in a mandatory membership residential association, what they see, is not necessarily what they are getting.  In fact they are buying a lot more than the eye can see.  

Sara Benson joins us On The Commons this week.  Sara, a 32 year Real Estate broker in Chicago, knows all the pitfalls of buying a house that is part of a residential association.  She is the founder of Association Evaluation, a company that digs beneath the surface of the “unit” that is being bought to uncover not only any structural defects with that dream home, but all the buried problems lurking in the shadows of the association.  With a long list of potential problem areas to inspect, questions to ask and documents to read, housing consumers who buy the service will end up with a comprehensive evaluation of the entire neighborhood that will also become their financial responsibility should they choose to seal the deal on that house.  Sara opens our eyes to the problems owners have encountered, the staggering additional dues that can be levied and the reasons for these unimagined liabilities that are part and parcel of being a modern day homeowner. 

Few of us know what we want to be when we grow up.  As we grow and our world opens us up to all sorts of new and exciting possibilities, we start to explore our options and change our minds.  But imagine knowing, from a very young age, exactly what you want to do with the rest of your life and still wanting the same thing when you grow up?  And imagine working hard to realize that dream?

Martha Boneta joins us On The Commons this week.  With a love for the land and a passion for growing plants and animals,  Martha always knew she wanted to be a farmer.  Her dream came true when she and her family bought Liberty Farms in Paris, Virginia.  That is also when her problems began.  Liberty Farms came with a conservation easement that was overseen by the Piedmont Environmental Council.  The PEC is a tax funded 501C3 organization with the power to enforce the easement but. predictably,  with no checks and balances, no oversight and with the ability to operate under cover of darkness. It will come as no surprise then that the PEC went a little over the top by bullying Martha and her family and violating her individual and property rights. Watch a video of one of these inspections.

Despite the abuse and the harassment, Martha was always smiling, upbeat and cheerful.  She is the perfect role model for a property rights advocate.  She stood her ground and never wavered from what she believed was right and because of the way she presented herself and the problems, Richmond listened to her and enacted legislation to protect family farms.  She has stolen the hearts of farmers and rights advocates across the country.  Martha has a web page in the making where you will find contact information for her. Tune in, you will be inspired by this amazing lady.

Most people aspire to own they own homes.  What homes look like may have changed over the years.   They might be a log cabin, a single family detached home with a garden, an attached townhouse or even an apartment in a high rise building, but what remains a constant is the sense of “home”, the pride of having achieved a certain level of success.   A sense of having control over your home and being able to make it personal.   The knowledge that it will always be there.  

Or will it?  

As the  desire for homeownership increases, the risks also increase. The headlines of late have been screaming about mortgage foreclosures.  In some of the smaller text, foreclosures by HOAs to collect past due assessments, fines and the never-ending legal fees that seem to spiral out of control have also made headlines.  Scams to defraud homeowners of their property and money abound.

Bill Davis and John Cowherd join us On The Commons this week.  My two guests are pioneers in a way.   They are among a very small handful of attorneys across the country who focus their respective practices on representing homeowners against their residential associations.   Bill is in Texas and John in Northern Virginia.  They talk about the many ways property owners lose their homes and explain how “condo terminations” work, what happens to property values and why some owners can force the sale of a condo even when the owner wants to stay and how the process also robs the reluctant sellers much of the equity they have built up.