Main AI reads your HOA declaration, bylaws, CC&Rs, or violation notice and flags overreaching rules, improper fines, and the limits the association has to follow.
Only if the CC&Rs or properly adopted rules authorize the specific fine, the amount is within stated limits, and you received the notice and hearing process your state and governing documents require. Fines issued outside that process are challengeable — and boards skip steps constantly.
The hierarchy: state statute, then the CC&Rs (recorded covenants), then bylaws, then board-adopted rules. A rule that conflicts with the CC&Rs or statute loses. Most disputes are won by showing the board acted outside what the higher document allows.
In many states, yes — unpaid assessments can become a lien that the association can foreclose, sometimes over surprisingly small amounts. That makes disputed charges urgent: challenge them in writing early rather than letting them compound with late fees and legal costs.
Request the exact provision you allegedly violated, check the notice against the required process (cure period, hearing rights), and respond in writing before the deadline. Main AI reads the notice against your CC&Rs and drafts the response.
Upload your document now. Main AI finds every issue, cites the law, and prepares everything ready to act on. Free to start — no credit card.
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