When $100 Turns Dangerous: The HOA Fine That Nearly Took a Home
/
A $100 HOA fine over an alleged “commercial vehicle” parking violation escalated into a yearslong legal battle for Charlotte homeowner Jeffrey Baldwin, including an attempted foreclosure on his home. The case ended when the HOA withdrew its foreclosure petition, prompting Baldwin to call for greater accountability and reform, noting that many homeowners lack the resources to fight similar actions. The situation has drawn attention from state lawmakers, who previously proposed legislation to cap HOA fines and require due process before foreclosure, though the bill stalled in the House. Baldwin’s case highlights growing concerns over HOA enforcement power and the need for clearer protections for homeowners in North Carolina.
Read More: WBTV
Editor’s Note from Association Management Group (AMG):
This case is a timely reminder for community leaders: courts and legislatures are increasingly scrutinizing how associations enforce collections and compliance. While every association has a duty to uphold its governing documents, the methods used—especially in pursuing fines or assessments—matter greatly.
At AMG, we advocate for common-sense restraint and thoughtful decision-making. Before taking legal action, boards should consider a formal review process that weighs not only the amount owed but also the proportionality and potential community impact of the enforcement action.
Associations are strongly encouraged to consult with legal counsel experienced in HOA and condominium law. Legal advisors can help ensure that any action taken is appropriate under current statutes, consistent with the association’s governing documents, and reasonably aligned with the scale of the issue.
When boards act without this kind of deliberate evaluation, they may inadvertently invite legislative reforms that impose inflexible, one-size-fits-all mandates—limiting future discretion in nuanced cases.
AMG remains committed to helping communities navigate these complexities with integrity, fairness, and a long-term view of effective governance.
