『HOA HELL』のカバーアート

HOA HELL

HOA HELL

著者： Michael Kushner
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HOA Hell with Michael Kushner is your inside guide to surviving—and winning—against California’s most abusive and overreaching HOAs. Leveraging almost 30 years of experience fighting for HOA members, Michael Kushner gives California homeowners real tools to fight back against abusive boards, outrageous rules, and everyday HOA nonsense. If your HOA is making your life a living Hell, then this podcast is for you.

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  • Can My California HOA Track My License Plate With Flock Cameras?

    Can My California HOA Track My License Plate With Flock Cameras?
    2026/09/24
    In this HOA Q&A, California’s foremost homeowner-side HOA attorney and expert, Michael Kushner, explains what happens when a California HOA installs Flock license plate cameras at the entrance to an HOA-governed community. Once your HOA mounts an automated license plate reader in your community, every trip you take, every guest who comes to see you, every vendor your hire, and every caregiver who visits you gets photographed and logged. Your HOA didn’t ask you before installing a Flock camera, and you most likely never had the opportunity to vote in favor of it, but now those ALPR cameras are up and collecting data on you. Most people are surprised to learn that the Davis-Stirling Act says absolutely nothing about your HOA’s use of Flock cameras, and the few statutes that do address their use in California weren’t passed with HOAs in mind. So, when it comes to your privacy, the gap between what most homeowners expect and what the law delivers is huge. 🎯 What You’ll Learn in This HOA Q&A: ✅ What, if anything, the Davis-Stirling Act does to protect homeowner data collected by Flock cameras.✅ The almost total lack of restrictions on the collection or use of Flock camera data on private organizations, like HOAs.✅ The completely discretionary nature of the so-called remedies available to homeowners when ALPR camera data is abused by the HOA. Flock cameras are spreading through California HOAs significantly faster than the laws aimed at protecting homeowners. This Q&A lays out where homeowners in California currently stand. Helpful Links: “Can My California HOA Track My License Plate With Flock Cameras?”https://www.youtube.com/watch?v=nChACcX1yfQ&t=1281s “Can My California HOA Track My License Plate With Flock Cameras?”https://mbkchapman.com/california-hoa-flock-cameras-license-plate-fact-sheet/ “Can My California HOA Share My License Plate Data With the Police?”https://mbkchapman.com/hoa-sharing-flock-camera-data-fact-sheet/ 🎧 📞 If you enjoyed this Q&A, please like and subscribe to HOA HELL. Listen on YouTube at @hoahellpodcastofficial or wherever you get your podcasts. To schedule a consultation, visit https://mbkchapman.com/ and mention the HOA HELL discount. Disclaimer: This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast. This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter. About: Michael Kushner created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Managing partner of MBK Chapman, and author of the best-selling book, HOA HELL, Kushner teaches homeowners how to fight their bad HOAs and win. 💥 Amazon [https://tinyurl.com/tx47hmvn] | Barnes & Noble [https://www.barnesandnoble.com/s/hoa%20hell] #FlockCameras #ALPR #DavisStirlingAct #HOALaw #CaliforniaHOA #BadHOA #HOAhell #HOAPrivacy🔥 HOA Hell Attorney Michael Kushner, California’s #1 homeowner-side HOA lawyer, shares real legal tools to help homeowners fight back and win against Bad HOAs.👉 Got an HOA nightmare? Submit your question at HOAHELLpodcast@mbkchapman.com. Or learn more about your rights as a homeowner by visiting: https://www.mbkchapman.com/fact-sheets. 📲 Follow us on:Instagram: @mbkchapmanpc YouTube: HOA HellLinkedIn: https://www.linkedin.com/company/mbk-chapmanFacebook: https://www.facebook.com/MBKChapmanX: https://x.com/MBKchapman Reddit: https://www.reddit.com/r/hoa_hell/
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    2 分
  • California HOA Special Assessment Red Flags to Check Before You Buy

    California HOA Special Assessment Red Flags to Check Before You Buy
    2026/09/21
    A Torrance HOA hit its owners with a $49,000 special assessment, and a San Clemente HOA hit its members with one for $26,000, stories that both ABC7’s Leanne Suter and KFI AM 640’s Monks & Merrill brought to California’s foremost homeowner-side HOA attorney, Michael Kushner, for his opinion. In this episode, Kushner walks prospective buyers through how to look into an HOA’s financial health before buying into a community. Looking for these red flags won’t predict the future, but it will give buyers a better chance of avoiding an HOA with a massive special assessment on the horizon. What You’ll Learn in today's Episode: ✅ How to force the required Civil Code § 4525 disclosures into your hands early so you can review them during your contingency period instead of after it’s too late.✅ The percentage funded number in the reserve study, and the range Kushner points to as a healthy one.✅ Why to ask for the full reserve study, not just the summary, when you check whether the major components are funded.✅ The questions to ask the neighbors, and the reserve-borrowing habit that can signal a special assessment ahead. Do this before you buy, and you’ll know whether you’re walking into a well-run HOA or the next $49,000 assessment. Helpful Links: “California HOA Special Assessments: What They Are, When They’re Legal, and How Homeowners Can Challenge Them”https://mbkchapman.com/california-hoa-special-assessments-fact-sheet/ “Why Do My California HOA Fees Keep Going Up?”https://mbkchapman.com/california-hoa-fees-fact-sheet/ “Can My California HOA Charge a Special Assessment for Rising Insurance Costs?”https://mbkchapman.com/california-hoa-special-assessment-insurance-fact-sheet/ “When Can a California HOA Raise Dues Without a Vote?”https://mbkchapman.com/california-hoa-assessment-increase-fact-sheet/ “HOA Reserve Studies in California: Understanding the “Percent Funded” Number”https://mbkchapman.com/hoa-reserve-studies-in-california-fact-sheet/ “Can My California HOA Borrow From Reserves?”https://mbkchapman.com/hoa-borrow-from-reserves-california-fact-sheet/ 🎧 📞 If you enjoyed this episode, please like and subscribe to HOA HELL. Listen on YouTube at @hoahellpodcastofficial or wherever you get your podcasts. To schedule a consultation, visit https://mbkchapman.com/ and mention the HOA HELL discount. DISCLAIMER: This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast. This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter. ABOUT: Michael Kushner created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Managing partner of MBK Chapman, and author of the best-selling book, HOA HELL, Kushner teaches homeowners how to fight their bad HOAs and win. 💥 Amazon [https://tinyurl.com/tx47hmvn] | Barnes & Noble [https://www.barnesandnoble.com/s/hoa%20hell] #DavisStirlingAct #CaliforniaHOA #badHOA #HOAHell #HOAlawyer #HOAattorney #SpecialAssessment #SellerDisclosures #HOAredflags #reservestudy 🔥 HOA Hell Attorney Michael Kushner, California’s #1 homeowner-side HOA lawyer, shares real legal tools to help homeowners fight back and win against Bad HOAs.👉 Got an HOA nightmare? Submit your question at HOAHELLpodcast@mbkchapman.com. Or learn more about your rights as a homeowner by visiting: https://www.mbkchapman.com/fact-sheets. 📲 Follow us on:Instagram: @mbkchapmanpc YouTube: HOA HellLinkedIn: https://www.linkedin.com/company/mbk-chapmanFacebook: https://www.facebook.com/MBKChapmanX: https://x.com/MBKchapman Reddit: https://www.reddit.com/r/hoa_hell/
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    37 分
  • Fannie Mae’s New Condo Loan Rules: Can My California HOA Make My Unit Unsellable?

    Fannie Mae’s New Condo Loan Rules: Can My California HOA Make My Unit Unsellable?
    2026/09/14
    Fannie Mae and Freddie Mac spent 2026 quietly rewriting the rules that decide whether anyone can get a loan to buy a condo in your community, and one more change hits in January 2027. In this episode, attorney Michael Kushner, California’s most experienced homeowner-side HOA attorney, breaks down what already changed, what’s coming, and why your HOA’s finances now decide whether you can sell your unit or refinance it. If you own a California condo, the financial health of your HOA is more relevant than ever to your bank account. What You’ll Learn in today’s Episode: ✅ The financing shortcut that vanished on August 3, 2026, and why it could affect your ability to sell.✅ Why the reserve minimum jumping from 10% to 15% on January 4, 2027 can push your monthly dues up.✅ How some HOAs will wrongly call this an “emergency” under Civil Code § 5610(c) to skip your vote.✅ The exact questions to ask your HOA board before you buy or sell a condo in California. Whether you’re selling soon or just want to protect what your unit is worth, this episode shows you where you stand and what steps you can take with your HOA. Helpful Links: “New Fannie Mae Condo Loan Rules: Can My California HOA Make My Unit Unsellable?”https://mbkchapman.com/new-fannie-mae-condo-loan-rules-california-hoa-fact-sheet/ “Why Can’t Anyone Get a Loan to Buy in My California HOA?”https://www.youtube.com/watch?v=S_-m8pfmdIwFreddie Mac March 18, 2026 Selling and Servicing Updates Bulletin (2026-C)https://guide.freddiemac.com/app/guide/bulletin/2026-CFannie Mae Lender Letter (LL-2026-03)https://singlefamily.fanniemae.com/media/44986/display “Can My California HOA Charge a Special Assessment for Rising Insurance Costs?”https://mbkchapman.com/california-hoa-special-assessment-insurance-fact-sheet/ 🎧 📞 If you enjoyed this episode, please like and subscribe to HOA HELL. Listen on YouTube at @hoahellpodcastofficial or wherever you get your podcasts. To schedule a consultation, visit https://mbkchapman.com/ and mention the HOA HELL discount. DISCLAIMER: This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast. This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter. ABOUT: Michael Kushner created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Managing partner of MBK Chapman, and author of the best-selling book, HOA HELL, Kushner teaches homeowners how to fight their bad HOAs and win. 💥 Amazon [https://tinyurl.com/tx47hmvn] | Barnes & Noble [https://www.barnesandnoble.com/s/hoa%20hell] #FannieMae #FreddieMac #CondoFinancing #HOAreserves #DavisStirlingAct #HOAlawyer #HOAattorney #CaliforniaHOA #badHOA #HOAHell 🔥 HOA Hell Attorney Michael Kushner, California’s #1 homeowner-side HOA lawyer, shares real legal tools to help homeowners fight back and win against Bad HOAs.👉 Got an HOA nightmare? Submit your question at HOAHELLpodcast@mbkchapman.com. Or learn more about your rights as a homeowner by visiting: https://www.mbkchapman.com/fact-sheets. 📲 Follow us on:Instagram: @mbkchapmanpc YouTube: HOA HellLinkedIn: https://www.linkedin.com/company/mbk-chapmanFacebook: https://www.facebook.com/MBKChapmanX: https://x.com/MBKchapman Reddit: https://www.reddit.com/r/hoa_hell/
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    28 分
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