Homeowners associations (HOAs) are notorious punching bags, shamed for bullying widows to mow the lawn or telling residents what color they can paint their front door. But long before you came to loggerheads with your HOA, a cascading sequence of poor planning decisions put you both in this predicament. And that much-maligned HOA is just the visible part of the iceberg of a systemic problem.   Read the article…………………………….