Since when is the freedom to enter into a contract of your own choice unAmerican?
The problem is not with HOAs, but with city governments that REQUIRE new developments to have an HOA in place that will perform the responsibilities normally held by the city: landscaping along public streets...
Okay, read throught the whole dang thread. Plantings that screen are one option, and your home looks new enough that I would imagine that you still have landscaping in mind. Start doing some of it now. Smaller (so that they are less expensive), fast growing, attractive trees and shrubs along...
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Unless you have an attorney in the association willing to donate his/her time, you have to hire an attorney. There are plenty of htem out there, just make sure you find one who commonly works with real estate (a family or criminal law attorney is unlikely to be up on the laws dealing...