Your HOA Is Overreaching. Fight Back.
Upload your CC&Rs. We'll find every statute they're violating and generate a professional dispute letter that cites the law. $29. No attorney needed.
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Americans Under HOA Rule
Trusted by homeowners in 15+ states
Sound Familiar?
Fined for your paint color
Your HOA says your exterior paint doesn't comply — but the CC&Rs are vague, and your color was never explicitly prohibited.
Learn your rightsParking violation on your own property
Got a notice for parking in your own driveway or having a guest's car out front. Many state laws limit what HOAs can enforce on private property.
Learn your rightsYour flag display restricted
Federal law (the Freedom to Display the American Flag Act) protects your right to fly the U.S. flag. Some HOAs ignore this.
Learn your rightsRules enforced on you, but not your neighbor
Selective enforcement is one of the most common — and most defensible — HOA disputes. If the rule isn't applied equally, it may be unenforceable.
Learn your rightsHow It Works
Upload Your CC&Rs
Paste your CC&R text or upload the PDF. HOAOverreach parses every section and identifies which rules apply to your situation.
Describe Your Dispute
Tell us what violation you received, when it happened, and your state. We cross-reference your CC&Rs with state HOA law.
Get Your Letter
Download a professional dispute letter that cites the specific CC&R clauses and state statutes that protect you.
HOAOverreach vs. Hiring an Attorney
| Feature | HOAOverreach | Attorney |
|---|---|---|
| Cost | $29 one-time | $300–500/hr |
| Speed | 5 minutes | Days to weeks |
| Output | Letter + citations | Consultation |
| State Law Citations | Yes, 15+ states | Varies |
| CC&R Analysis | Yes | Maybe |
| Available 24/7 | Yes | Office hours |
| Escalation Path | 3-letter sequence | Billable hours |
Cost
Speed
Output
State Law Citations
CC&R Analysis
Available 24/7
Escalation Path
Free Tools
Is My HOA Fine Legal?
Answer a few questions about your fine and we will check it against your state's HOA statutes. Free, instant results.
Check Your FineNo credit card required. No signup needed.
Check Your State's HOA Rights
Look up the specific statutes that protect homeowners in your state. Know your rights before you respond to the board.
Look Up Your StateNo credit card required. No signup needed.
Simple, One-Time Pricing
No subscriptions. Pay once per dispute and own your letter forever.
Dispute Letter
$29
- Dispute letter citing your CC&Rs
- State statute references
- Board meeting talking points
- PDF download
- Escalation timeline
Full Shield
$79
- Everything in Dispute Letter
- Follow-up sequence (3 letters)
- State agency complaint template
- Attorney referral matching
- Evidence documentation guide
No credit card required for free tools
100% Money-Back Guarantee
If your dispute letter doesn't cite applicable state law and CC&R provisions, we'll refund your purchase. No questions asked.
Frequently Asked Questions
No. HOAOverreach generates informational letters for your review. Nothing on this site constitutes legal advice, and no attorney-client relationship is formed. Consult a licensed attorney for legal guidance specific to your situation.
Your CC&Rs make the letter much stronger — we can cite specific clauses. But if you don't have them, HOAOverreach still generates a letter based on your state's HOA statutes alone.
We currently cover 15 states with the strongest HOA laws: CA, FL, TX, AZ, NV, CO, NC, VA, GA, IL, OH, PA, WA, OR, and MN. More states are being added.
Architectural modifications, landscaping, parking, pets, noise, rental restrictions, fines, and more. If your HOA sent you a letter, HOAOverreach can help you respond.
Yes. Both paid plans are one-time purchases per dispute — not subscriptions. You pay once and own that letter.
Full Shield includes a follow-up sequence of 3 letters that escalate in firmness, a state agency complaint template, and attorney referral matching if it comes to that.
Many states include anti-retaliation protections in their HOA statutes. For example, California and Florida have provisions that may restrict boards from taking adverse action against homeowners who exercise their statutory rights. HOAOverreach flags applicable protections in your letter. This is not legal advice — consult an attorney if you believe retaliation has occurred.
For many straightforward disputes, a well-written letter citing your CC&Rs and state law can be an effective first step. HOAOverreach generates that letter for you. However, every situation is different — if your dispute involves substantial fines, threats of foreclosure, or complex legal questions, we recommend consulting an attorney. Full Shield includes referral matching to HOA-specialized attorneys in your state.