Although this graph represents Harris County, Texas, I am certain that this is representative of the nation. Homeowners' Associations have become a living organism, and now they are fighting for their existence at the expense of the residents. If you look at the data up above, you could see that between 2005 and 2008, there has been an increase of 500 foreclosures-related filings, and personally, I do not see this slowing down in the future.
Homeowners need to become more aware of the abuses that are allowed to legally take place. Currently, laws are set up protecting the rights of the HOA over the rights of the homeowner, and legislators who supposedly represent homeowners have constantly legislated in favor of the industry, claiming that the lobbyists are coming to them as homeowners, not lobbyists.
Contact your local officials today and try to help put an end to this injustice. The only people who benefit from this unregulated industry are the associations and the lawyers.