Tag Archive 'HOA foreclosure':

Huntington Continental VOICE













This website is a work in progress;





Special thanks to Sam Walker, a quality attorney, who has been instrumental in winning this battle. If you have real estate or HOA issues, or if you have litigation or appellate needs, Sam may be able to help you too: sam@samwalkerlaw.com (Sam Walker is in northern California). Sam Walker is a great appeal lawyer. That is his speciality.


If you are in Southern California contact Joseph Rosenblit: rosenblitlawyer@gmail.com – Mr. Rosenblit practices in Orange County and all Southern California areas. Mr. Rosenbilt stood firmly behind me in the litigation against the 14 defendants including the lawyers I sued: Stanley Feldsott, Jacqueline Pagano, and James Harkins. If you have problems with any of the people mentioned in this website, or others who do not play by the rules, I suggest you sue them too! Remember, document every issue, every email, every letter. Take photos, keep each and every items they send to you, and make copies of every item you send to them. The more people who sue their association, including the lawyers, and the management companies the better it will be for everyone.


DO NOT SIGN AGREEMENTS WITH ANYONE – this will take away your rights! This is what the agreements are all about – you agree to pay them all they want and YOU give up your rights at the same time. Before you sign any agreement contact Sam or Joe.


My opion is that it is better not to talk on phone (unless they allow you to record the conversation). People have a habit of forgetting EXACTLY what was said and that won’t be good for you. Make certain your emails ‘repeat’ every detail you wish to get across. In court you will not believe how things are twisted. If you repeat each and every issue in your response emails that will be less likely.


EXAMPLE: Mr. Smith if you pay $100 today we will drop the lawsuit. Instead of just saying ‘okay’ you say “Okay Mr. Jones, you state that if I pay $100 today you will drop the lawsuit. I agree to pay $100 today and will send it to you.” Be very ‘clear’ and leave no ambiguity in any correspondence with whomeever you correspond with. If you have a meeting RECORD THE MEETING – People tend to tell the truth when the truth is recored or in writing.


This whole thing gets somewhat complex but here it is in a nutshell.


War #1) Owner got behind in his payments. He then sent the Association full payment for all assessments. Association’s attorney sent the full payment back to owner. The owner sent the money back. The Association sent the money back to owner and tried to foreclose in his home in a lawsuit. The owner fought the lawsuit. The lawsuit was a bloody battle that went all the way to the court of appeal just below Supreme Court of California. The Court ruled the owner was the winner. Wars are costly. Association must pay for everything associated with the losing the war. You lose the war when you don’t play by the law. I won, they lost.




War #2) Association, while going through the other battle, started a new battle and tried to sue owner in Small Claims Court AFTER Erica Griffith added about $15,000 in bogus attorney fees to owner’s ledger. Owner would not allow this and stood for battle once again battling James Harkins (lawyer), the Association’s attorney, and Keystone. The events are listed below. Basically, the Association’s agents were pulling another ‘fast one’ doing things that were again illegal (my opinion). Again we went to battle, and again the Association lost, as the new Judge finally reversed their short victory and now has forced them to put their battle on in a upper level court where again we have attorneys and evidence, and witnesses. You have none of this in Small Claims.




War #3) Now that I have proven what had been done to me was illegal. I now sue everyone involved. Normally everyone would need to defend themselves, but in this case Rustan Laine has signed contracts forcing Association to pay and defend the Attorney, the management company etc! So why is my HOA defending these subcontractors for their mistakes? Ask Rustan Laine and Myra Kuck. Call your HOA President and tell her you want your money back from these wasteful service providers!


WINNER! (SETTLEMENT) While I can not give details of my personal settlement – I will have a very nice Christmas 2015 and all of 2016 for that matter!




Bottom line this member’s opinion is that Myra Kuck and Rustan Laine have made some very very very bad decisions, allowing all this to happen, costing this association and it members hundreds of thousands of dollars… and we are not done yet! All my personal opinion of course. “The quickest way to lose all your money is to put someone in charge who faces no consequence when losing it.” The Directors are supposed to be the ‘watchful eye’ over the agents (lawyers, managers) who wish to waste (spend) all our money; and suffer no consequence when they accomplish their goal and our balance is zero. 


Below are the sideline issues where the association chose to sue in Small Claims…. it lost again, the case now consolidated with the new case against Kuck and Laine. There is a huge history to all this: all you really need to know is that these particular directors have made some very bad decisions that have cost each and every homeowner about $500! A total of $250,000 and we are not done yet… it could be another $800,000 that could bankrupt this entire HOA! Then it would be time for a huge SPECIAL ASSESSMENT from each owner! When the dust settles we will know what this has cost in total. Right now the estimate is $250,000 but the next war could cost this Association another $800,000!


<<<<<<<<<< PAST UPDATES >>>>>>>>>>


UPDATE 5/2014! Owner who won major victory for all California HOA homeowers now under savage financial attack by Keystone Pacific Community Manager hired by the Huntington Continental Board of Directors. Coincidentally this Keystone Pacific Community Manager is a long term and “personal friend” of a specific director who authorized the previous attempted foreclosure. The Keystone Pacific Community Manager, approved by the same director, is now arbitrarily adding (added) 1000s and 1000s of dollars in attorney fees monthly to the owners account! it’s our opinion this is an obvious targeted attack of malicious retribution against anyone who stands up to these people when they don’t abide by the law!


This Community Manager has now added more than $25,000 in attorney “phone call” and “email” fees to the owners account. Beware this could happen to you!


UPDATE 6/2014! After publicly exposing the link between the board member and  the Keystone Pacific Community Manager, this community manager has been removed! However, they have not removed all of her daily phone calls and emails to the attorney and malicious additions to my ledger.


UPDATE 10/2014! Enough is enough. All owners at Huntington Continental are being victimized by this complete mis-management. Imagine $12,000 (old amount) in attorney fees (60 months of assessments) paid to an attorney when the entire situation was caused by the association itself! Association, directors, and management company named in legal action.


UPDATE 7/2015! A Superior Court lawsuit has been filed, and now is being amended.


HOA foreclosure victims – If you have been foreclosed on by ANY HOA attorney who refused payments that may have allowed you to keep your property I would advise you to contact an attorney and sue the HOA and HOA attorney who refused your money. Refusal of your payments was unlawful!!!


Additionally, we allege these “service providers” should pay back the monies to Huntington Continental (unjust enrichment). If you are an owner in Huntington Continental we believe these ‘service providers’ owe our association about $250,000!!!


If you also believe these ‘service providers’ should pay back the wasted fees they charged and were paid by your HOA directors, you should contact us via the contact links. The amount is about $500 for each and every owner at the Huntington Continental. (that is 2.5 months with no dues!!!!). Obviously one can not get paid for doing a bad job or pursuing an illegal collection and wasting literally many hundreds of thousands of dollars.


If you live in an Association you may know of these providers named below and you may want to check and see if they are doing the same things at your Association. Those things would be: 1) refusing partial payments (any payment you make MUST go to your assessments, 2) suing you in Small Claims court and charging Attorney fees (we believe this to be a new illegal scam happening with debt collection managers and ‘consulting’ attorneys.


  • An updated list of defendants that have been sued on the amended complaint are:
  • 1 – Huntington Continental Town Home Association, Inc.
  • 2- Rustan Laine (former President)
  • 3 – Myra Kuck (former Treasurer)
  • 4 – Feldsott and Lee (a law firm)
  • 5 – Stanley Feldsott
  • 6 – Jacqueline Pagano
  • 7 – Tyler Jones
  • 8 – Keystone Pacific
  • 9 – Cary Treff
  • 10 – Erica Griffith
  • 11 – Renee Barger
  • 12 – Brittany Bennett
  • 13 – Cane Walker Harkins (a law firm)
  • 14 – James Harkins
  • 15 – Arturo Chayra (dismissed as to some counts)
  • 16 – Richard Sheldon Bar (dismissed as to some counts)
  • 17 – Diann Robertson (dismissed as to some counts)


YOUR NEW SECRET WEAPON! – As a mandated member of your association you are effectively a ‘stock holder.’ When the directors are idiots and let the attorneys or management company fleece your operating account for every dollar you take in every month… or the directors are self-dealing in some way. If your lawsuit would benefit the Corporation as a whole and not just you – file a Shareholder Derivative Action against your management company or your HOA attorneys…. the law is that your attorney can get attorney fees!


Shareholder Derivative Actions – Your Secret Weapon!


association, manager, management company ‘now have’ added $25,000+ in attorney fees over a $120 debt the association created. Attorney fees 200 times the amount of dispute! We believe these are: $25,000 in bogus (unlawful) attorney fees and charges over a $120 small claims dispute!



  • Association continued it’s bad acts after trial. Long story.
  • Owner sued in Small Claims for specific performance. Could not be granted.
  • Association had filed new lien and attempted to sue in Small Claims.
  • Association (improperly) dismissed first Small Claims suit, and filed a second.
  • Association sued again in Small Claims and convinced Judge to give Association $5,000 judgment!
  • Owner filed motion to vacate based on correct law. Stubborn Judge refused.
  • Owner filed a writ petition. Writ Judge denied, said remedy in Small Claims Appeal.
  • Owner appealed to Small Claims Appellate Division.
  • Small Claims appeal trial got delayed and delayed…. (good luck)
  • Owner filed Unlimited Civil complaint against Association and it’s bad actors.
  • Owner notified new Judge he filed the Unlimited Case. Judge said to file motion for consolidation.
  • Association’s attorney ‘Pinocchio’ danced on the tables playing his flute, his nose grew like a garden hose!
  • Judge did not buy his twisted BS story and ordered a consolidation of case.
  • This may have been same attorney ‘advised’ to file a Small Claims Action ‘after’ filing a lien! Civil Code prohibits this!
  • (real estate lien is a limited civil issue – civil code gives two options, sue in Small Claims or file lien – not both – read history of law!)
  • 2/9/15 – Judge says ‘legal issues’ – Judge consolidates…. another $15,000 of Association’s legal fees out the window!!!
  • We believe Pinocchio has been paid. Another attorney who pocketed the Association’s dwindling money!
  • Now on to Unlimited Civil against this malicious group.
  • When a motion was filed to consolidate the Association’s lawsuit against me in small claims – the Association dismissed their lawsuit against me!! Another waste of $25,000 paid to an HOA attorney.





Note – this site is not authorized by the Huntington Continental Town Home Association.

Collections primer

If you have ever been owed money, and you were a reasonable businessperson, you know that you would never hire a $300-$600 per hour attorney to collect just $1800 in debt unless you wanted to completely harass and intimidate the debtor and by law you were entitled to recover attorney fees if you won [and you had a lot of cash in your pocket to waste on attorney fees]. This occurs only in the HOA world, not in the real world. It wastes time, it wastes money and it makes lots of enemies – not good for a close knit “community.”


But what if you don’t win? Who pays the attorney fee then? The HOA does. All the HOA members share in the loss TWICE. Why twice? You paid the HOA attorneys to sue, and now you have to pay the winning [prevailing] party’s attorney fees too! Some HOAs have been hit with $500,000 in attorney fees by listening to some attorney who eventually lost the case. Law is complex but in most cases the ONLY winning parties are the attorneys. Ask anyone who has been in litigation and they is what they will tell you. It’s no coincidence there are so many attorney jokes.


Think about this – what person would ever hire an attorney to sue for this itty bitty amount of money? Credit card companies don’t even sue for that much. We have all heard of ambulance chaser attorneys. Effectively we have the same thing going on here with these HOA collection attorneys; it’s the new ambulance chaser.


This is generally about an amount of money, $1800, less than costs to buy a good set of patio furniture today. Even a set of tires for your car could cost that much.


Ambulance chaser attorneys take personal injury cases on because they are practically 100% certain they will be paid, and paid well. When money is collected it goes into the attorney trust fund and they have complete control over the money. The take the cases on contingency, but not until they have met in the back room and done their due diligence to see if you will get paid.




This ad is from the front page of http://www.liencollections.com


“The procedure for turning over a delinquent account to S.B.S. is actually as simple as filling out a few forms, sending them into us and we will handle the rest and there is NO DEPOSIT REQUIRED TO START THE COLLECTION PROCESS. All fees and costs incurred by S.B.S. are based on our set fee schedule and are billed directly to the homeowner. Fees and costs will only be invoiced to the HOA if the result of the collection action is a senior lender foreclosure or the HOA completes their foreclosure action.” [or if they lose in a legal battle and the owner is prevailing party]


Guaranteed; if you were hit broadside, in a crosswalk, by a drunk 18 yo guy [or illegal] driving a car with no insurance, living in an apartment with roommates, working at McDonalds, you would not find an attorney on planet earth to take your case. It would not matter if you legs were severed, you lost an eye, and your face was smushed.  On the other-hand, if the 18 yo had $1,000,0000 insurance, lived at home with his folks, driving their Mercedes, and lived on the cliffs of Corona Del Mar… you have to beat the attorneys off your doorstep. The first thing my attorneys ask is every time: do they have insurance or own real estate. Remember this – attorneys do not takes cases where they will not get paid. This is why they love the HOA collection cases – they can be assured they will get paid from the sale of your home and they can spend $60,000 in fees taking you to court for $3,000 in debt and unpaid assessments. The new ambulance chaser.


I had an epiphany recently – I highly doubt if these collection attorneys are used much in “rich” HOAs like Big Canyon, or the Vintage, or Shady Canyon. Why? Because there are owners in those associations that have big bucks and bigger badder attorneys and when the dust settles, the HOA may have to pay both sides of a very expensive legal battle that could be more than $500,000 just in attorney fees. It’s just the opposite in an entry level HOA. At the Huntington Continental it’s more like theft. Most people in this association, if late on their HOA assessments, have NO money for an attorney.  It’s easy money for any attorney who is selected by a Board to work in these HOAs…. every month it’s like taking money from defenseless person. A guy points a gun in your face and says “give me your money” what do you do?


$1800 is the current threshold amount the legislature has set to “allow” foreclosure on a property to collect this unpaid debt. A HOA owners advocate group tried to raise the amount to $3600 but the HOA collection attorneys were able to stop it in the legislature.  The laws that govern this collection recommend simply using small claims court to obtain a judgment and for HOAs to collect their money that way. The best thing for the HOA is to get the debtor paying again and get their assessments, not to punish the debtor and put them in the poor house by allowing the un-fed attorney at the equity in their house.


Over the past few years attorney firms have been hard at work to weasel-in to the HOA Boards and “recommend” foreclosure. What they fail to tell you in their articles is this… every dollar collected FIRST goes to pay the attorney and if the home is sold and there is not enough money, the HOA pays the attorney out of HOA funds!!! While these are complex issues, the way the attorneys have set it up is that the attorneys get a lot of money, lots and lots of money, the association gets a little bit of money. That is the case at the Huntington Continental. No one in this Galaxy would spend $60,000 attorney fees to collect $3,000 debt. Not unless that $3,000 debt came with a nice condo at the Huntington Continental; your home!


The HOA collections is similar to this. Now, with the JM Trust case, using an attorney does not make sense; as far as the attorney is concerned. Here is why…. if the foreclosure can be stopped by the owner paying the assessments owed, and not the attorney fees, what happens? If the attorney can not foreclose and SELL your home to collect the fees the HOA will need to pay the attorney fees, and the HOA is never going to start doing that… right? So that just puts those collection attorneys right out of business. It no mystery why they are now fighting this decision.


When attorneys were assured of payment though the foreclosure of your home, they were lining up to take these cases hoping you would fight and they would make big paychecks. You can read Feldsott’s comment about making $60,000 on a $3,000 collection. That did not benefit the HOA one bit. It put some family out on the street and bought Feldsott a new Mercedes and that is criminal in my opinion. Like the old saying goes, you can steal more with a pen, than you can with a gun. The new saying should be you can steal more with a law degree than you can with a pen or a gun.


Here is a collection attorney’s overview of her thoughts on the JM Trust case. You can read between the lines.


In the world that benefits both parties, and where most cases could be worked out, you might just sue in small claims.


Small claims lawsuit filing fee: $50
Process server fee: $75
Total cost to obtain judgment on person: $125
Obtain abstract of judgment: $35
Record abstract with County: $35


Total cost: $320


Then if debtor did not pay within 6 months or 12 months, you “could” hire a collection attorney to force sale of property. Most likely most debtors would pay the debt by then. This is nothing like regular collections. You know where the debtor lives, you know they own real estate, they can not sell the real estate without paying you. No need for a collection attorney.


More to come.

Partial payment law



Civil Code §1367. Association’s Lien Rights.
[New: Civ. Code §5740]


(a) A regular or special assessment and any late charges, reasonable costs of collection, and interest, as assessed in accordance with Section 1366, shall be a debt of the owner of the separate interest at the time the assessment or other sums are levied. Before an association may place a lien upon the separate interest of an owner to collect a debt which is past due under this subdivision, the association shall notify the owner in writing by certified mail of the fee and penalty procedures of the association, provide an itemized statement of the charges owed by the owner, including items on the statement which indicate the assessments owed, any late charges and the method of calculation, any attorney’s fees, and the collection practices used by the association, including the right of the association to the reasonable costs of collection. In addition, any payments toward that debt shall first be applied to the assessments owed, and only after the principal owed is paid in full shall the payments be applied to interest or collection expenses.


Civil Code §1367.1. Notice of Lien; Priority of Payments; Payment Under Protest; Monetary Penalties; Applies to Liens Recorded After January 1, 2003.


(a) A regular or special assessment and any late charges, reasonable fees and costs of collection, reasonable attorney’s fees, if any, and interest, if any, as determined in accordance with Section 1366, shall be a debt of the owner of the separate interest at the time the assessment or other sums are levied. [New: Civ. Code §5650(a)] At least 30 days prior to recording a lien upon the separate interest of the owner of record to collect a debt that is past due under this subdivision, the association shall notify the owner of record in writing by certified mail of the following:[New:Civ. Code §5660 (intro)]

(1) A general description of the collection and lien enforcement procedures of the association and the method of calculation of the amount, a statement that the owner of the separate interest has the right to inspect the association records, pursuant to Section 8333 of the Corporations Code, and the following statement in 14-point boldface type, if printed, or in capital letters, if typed: “IMPORTANT NOTICE: IF YOUR SEPARATE INTEREST IS PLACED IN FORECLOSURE BECAUSE YOU ARE BEHIND IN YOUR ASSESSMENTS, IT MAY BE SOLD WITHOUT COURT ACTION.”(2) An itemized statement of the charges owed by the owner, including items on the statement which indicate the amount of any delinquent assessments, the fees and reasonable costs of collection, reasonable attorney’s fees, any late charges, and interest, if any.

(3) A statement that the owner shall not be liable to pay the charges, interest, and costs of collection, if it is determined the assessment was paid on time to the association.(4) The right to request a meeting with the board as provided by paragraph (3) of subdivision (c).

(5) The right to dispute the assessment debt by submitting a written request for dispute resolution to the association pursuant to the association’s “meet and confer” program required in Article 5 (commencing with Section 1363.810) of Chapter 4.(6) The right to request alternative dispute resolution with a neutral third party pursuant to Article 2 (commencing with Section 1369.510) of Chapter 7 before the association may initiate foreclosure against the owner’s separate interest, except that binding arbitration shall not be available if the association intends to initiate a judicial foreclosure. [New: Civ. Code §5660(a)-(f)]


(b) Any payments made by the owner of a separate interest toward the debt set forth, as required in subdivision (a), shall first be applied to the assessments owed, and, only after the assessments owed are paid in full shall the payments be applied to the fees and costs of collection, attorney’s fees, late charges, or interest. When an owner makes a payment, the owner may request a receipt and the association shall provide it. The receipt shall indicate the date of payment and the person who received it. The association shall provide a mailing address for overnight payment of assessments. [New: Civ. Code §5655]


ALSO SEE Civil Code §5730 [Old: Civ. Code §1365.1]



When an owner makes a payment, he or she may request a receipt, and the association is required to provide it. On the receipt, the association must indicate the date of payment and the person who received it. The association must inform owners of a mailing address for overnight payments. (Section 1367.1 of the Civil Code)

An owner may, but is not obligated to, pay under protest any disputed charge or sum levied by the association, including, but not limited to, an assessment, fine, penalty, late fee, collection cost, or monetary penalty imposed as a disciplinary measure, and by so doing, specifically reserve the right to contest the disputed charge or sum in court or otherwise.



So… how is one supposed to contest a charge in court, after making a payment under protest, with the association then rejecting the payment? To me is sure looks like you can make any payment at any time whether under protest or not. When you go to court you can protest the payment or not. This last section under the old code 1365.1 underlines the fact you can make payments before court.


Note – nowhere does it say they can refuse payments. In fact it states just the opposite – Any payments made SHALL first be applied to assessments. I am not an attorney but three Superior Court Judges agreed with our argument and wrote a certified opinion in our favor.


The problem is this. How does a homeowner fight the big bad association by themselves? In the Huntington Continental 450 families are paying the Association per month – $90,000 monthly. The Association has a million dollars on reserve. The laws can be written in stone but if the Board of Directors and the HOA Attorneys don’t follow the laws what is a poor homeowner to do? This is a very dire situation for each and every homeowner in an Association.


You can show them the law, your can read them the law, you can explain the law but if they refuse to follow the law you lose and they they take your house. The attorney firms have made a racket out of stonewalling HOA members. They know its a Goliath v. David fight and they know they are Goliath. At every corner they threaten you with Attorney fees. The law states the prevailing party is rewarded attorney fees. It’s a scary battle to fight Goliath.

My HOA partial payment victory

Appellate Court Fourth District Division three ruled in our favor for a second time 10/14/2014


A true victory for 9,000,000 who live in California HOAs. Many homes will be saved by this ruling!


For homeowners in California it all started with a clever attorney crafting a contract requiring the attorney fees be paid first from the payments paid by the homeowner during collection, rather, than as the law states, that the assessments be paid first. Attorney’s are really good at changing the meaning of a sentence, the meaning of a word, and completely twisting black to white, or white to black. However, the law is so clear that, that assessments are paid first, that a 6th grader would understand.


I have a copy of Feldsott and Lee’s contract to collect assessments given to me in court by Action Property Management. The contract between Huntington and Feldsott (signed by Rustan Laine),clearly states that rather than paying down the assessments with the money that comes in from collections, that the fund will go to pay the attorney first, it says that the “client” is free to get a second opinion. It also states the association does not have to pay the attorney (for the time being) for collections. So, what does this do? I think its easy to see if an association had to actually pay the attorney fees while foreclosing on someone’s home for just $1800 they would NEVER go through with it. In short order the attorneys fees are 10 times the amount they are trying to collect. This is what makes the whole thing a “racket” because the attorneys refuse your partial payments and you, as homeowner, are forced to pay the attorneys or have your home foreclosed. Like holding an axe over your neck with the attorney’s hand out for lots and lots of money.


It’s just my opinion, but if the funds collected by the attorney went to pay down the assessments, as the law states, most of these collection cases would have never ended in foreclosure and the attorney’s “racket” would have failed. Feldsott is not the only one doing this, most have jumped on this bandwagon, and many have grown to huge rich law-firms with lots of power and influence. The association signed what I believe is an illegal contract and not applying the assessments per law was illegal – at least that is what the court has ruled.


I just won, with the help of my excellent attorney, an appellate decision in Superior Court of Orange County a very important victory for each and every homeowner in the entire State of California. However, this victory may be short term unless homeowners like yourself band together to force HOAs like the Huntington Continental and it’s collection attorneys to follow the law and not make their own rules. While the laws have been clear since they were written it takes a court action to make a party follow those laws. This victory just came for all Home Owners in an Association, HOA, and Common Area Development members located in the State of California. This affects all Common Area Developments, Homeowner Associations, HOA, etc. – the law is clear, this ruling just supports what that law states (and the HOA attorneys hate it!). It is my understanding that all California Courts may refer to this decision.


In my case, had the HOA simply given me the accounting, and the attorney applied my payments, I would have owed nothing and this case would have never went to trial. As they say “pigs get fat and hogs get slaughtered” had the attorney just accepted the money this would have never gone to court and they wold still be enjoying their partial payment lawyer fee windfall.


Please email this website if you have a similar issue and your HOA in California is not accepting partial payments. The law is clear.


For years these HOA collection attorneys have been making a killing from the poor owners in associations convincing a Board of Directors to foreclose on people when they owe as little as a few hundred dollars in back assessment dues. The attorneys would write SECRET contracts with the HOA that was not conforming with the law. Legislation in California named the Davis-Stirling Act was passed to protect owners in associations. Unfortunately for owners, association attorneys gravitate to the entity who has the biggest pot of gold because that is who can pay their $200-$600 per hour paychecks. What does this do? It makes it almost impossible for someone to find a competent attorney to fight against the blatant disregard of the law and its clear common language.


You may find and read this exciting decision with the link below:




In a sentence this decision forces the HOA to accept partial payments so that an owner can stop foreclosure. Accepting partial payments is in conformity with the law. However HOA attorneys, who no one can fight these people because it costs a lot of money to fight an attorney who is paid by the HOA, have completely ignored this law for many years and have taken the homes of people who had the funds to pay partial payments to keep their home from foreclosure.


Why do they do this to owners who owe just a few hundred dollars? Here is their simple formula as stated by Feldsott on their own website….


“Of course, the prevailing party may recover attorney fees. Not too long ago, our office litigated a case where the attorney fees awarded and paid (trial and appeal) were more than $60,000 in a suit over $3,000 in assessments.”




Where do they get their goldmine payment?




You owe $3,000, they spend $60,000 to collect your milk money of just $3,000, then the HOA allows them to sell you home and collect their unconscionable winnings of $60,000 on your itty bitty $3,000 debt. The sell your home, they take the equity in the home to pay their unconscionable fees which is nothing less than a Mafia-style racket. Mickey Cohen would have been proud. So who benefits most, the HOA? or the attorney?


How do they make the scheme work? By not accepting partial payments. We are not singling out any specific attorney or firm because most of them have decided play this game and it has worked for several years until now. And, believe me, the attorneys who have made so much money from this scam, are not happy with this ruling.


My side of the story – What the lawyers say is not accurate


In a nutshell


  • I got behind on my HOA dues due to unavoidable circumstances;
  • I wrote a letter to the management that I would pay my dues in full and enclose a check;
  • I asked repeatedly for “itemized” accounting from HOA, BOD, managers and attorneys;
  • No one on HOA side would send the accounting – they simply ignored me;
  • I send additional payments and continued to ask for accounting;
  • I paid off the complete balance of my HOA account before I was ever served with a lawsuit;
  • The lawyer rejected my cashier check payment in full sent to her office;
  • The lawyer then sued me;
  • I was not served with a lawsuit UNTIL after I attempted to make my payments in full!;
  • In the trial court, the sleepy 85 yo retired judge ruled against me;
  • In appeals court where they strictly follow the law, 3 judge panel, in concert, reversed the trial court and ruled in my favor;
  • It was clear that partial payments had to be accepted per the law, and the attorney had not followed the law;
  • The appeals court Certified the Decision which means other homeowners may force payments;
  • That is the basics, there is a lot more to the story, but that is the basics;
  • The collection attorneys HATE the ruling and now they are fighting to have it changed;
  • They are attempting to fight the ruling, protecting you, using YOUR HOA money!


There is always more to the story. The trial was rather short and the judge was dis-interested, sleepy – he could not have cared less and I found out later his grand-daughter is friends with the collection attorney daughter! This is more about the attorney firm doing everything in their power to get their attorney fees than me paying my assessments. I asked for my line item accounting many times in every conceivable manner I could. Even writing the BOD several letters. The collection attorney kept adding their fees to the assessments I owed and taking their “pay” off the top… right from my assessment payments. It was an evil game but the only entity that can stop the attorney from playing the game is the court.


My attorney had flown in. The story was much much longer than the evidence selected for the case. This case concerns a rental condo I had not lived in for 8 years. I never asked for or agreed to a “attorney generated payment plan” they simply sent one in the email. I never even saw the payment plan from the attorney until I was searching email for the case. I kept asking for my accounting, as it changes every month with the fees they add. No one would send my accounting, not the HOA, the management or the attorney.


I sent a simple letter with a $2,000 check stating I would pay of the account. I then sent two more payments of $1,000 and $500. I then thought I was close to full payment of the account and I demanded my accounting in several letters. No accounting came. I then sent a letter stating that if you are not going to give me my accounting I must only owe my regular assessments. I then sent in checks for my regular assessments of $188 each. After that, out of nowhere I get a “default letter” from the attorney that I had been defaulted on my case! Not funny, I had never been served with any lawsuit. According to the attorney I had been served at my condo. I informed the attorney that I had not lived at the condo for 8 years and that my married tenants state they had never received anything – she insisted I had been served (I have an email from the HOA President stating they knew I was not served). I have been called by three people the process server did the same thing to. It’s called gutter service where the server throws the service in the gutter and swears to the court he served you.


I continually asked for my line item accounting from all sources; the attorney’s assistant just played with me, never sending what I asked for (note that in court he lied on the stand and stated he sent my accounting). At that point I was pretty frustrated so I calculated what I could have owed and sent a long letter to the HOA President with a certified funds check to his home. He send me an email stating he accepted the payment.  I had plenty of money to pay all the assessments for many months previously but the Collection Attorney prevented that by not sending the line item accounting and played Hocus Pocus with the numbers on his summary accounting. What I did not know, and what is against the law, is the collection attorney PAY THEMSELVES FIRST out of the assessments you pay in a situation such as this – so they have no incentive whatsoever to close your case because every payment you make is diverted to pay the collecting expenses, which is not in conformity with the law.


The bottom line is that there are many details and events that are left out of the ruling, and even though the ruling is in the favor of the homeowner, the actions of this group of collection attorneys is reprehensible. I did everything possible to pay the assessment dues and the Attorney just kept throwing them back in my face. Why, because at the end either you pay all their fees, or they sell your property and collect their fees from the sale of your property. In my case there was more than $100k equity – they had every reason to keep the case going, keep the billing going, take the house, and get they paycheck on sale. Just my opinion of course but if you read the collection attorney’s own website on how he collected $60,000 in fees on a $3,000 it’s rather pathetic – grotesque. It pure theft when some hard working soul gets into a situation where they can not pay their assessments, and some attorney forces their way into the situation demanding their fees on top of the assessments that can not be paid… “well sir, you owe just $3,000 in HOA assessments, but you now owe $60,000 in attorney fees, we will need to sell your house to pay our attorney!” It’s reprehensible that society allows this segment of law as a profession.


I don’t know know how these people can sleep at night. Some attorneys twist every word…. but this statement in the law could not be more clear… of course they don’t want to abide by this! Do you think an attorney wants the HOA to place a lien on your house for the attorney fees? That would never happen. So, unless they (the law firm) can force foreclosure and sell your house, their “racket” is over… and we expect they will fight hard just like Mickey Cohen. When there is a big pile of money the suits fight really hard to get their hands on it.


The law could not be more clear: “In addition, any payments toward that debt shall first be applied to the assessments owed, and only after the principal owed is paid in full shall the payments be applied to interest or collection expenses”


What is not clear? Any payments made SHALL be applied to the assessments owed…. and after the assessments are paid the future payments go to the other unpaid items. Ah ha! So what do the clever collection attorneys do? They write a “payment plan” (contract) for you to sign that forces you to give up your rights under the law. In my case the attorney kept arguing that I had a payment plan… which was never the case. I never asked for, accepted, signed, or agreed to a payment plan of any kind. I simply send the management company a letter that I would make the payments owed. Don’t sign a payment plan! Just make your payments and the law protects you. If you sign one of their evil payment plans then you are signing a contract and you are bound to what it states in the contract. Be careful!


The alarming part about all this – attorneys and law firms don’t want to play by the law! It’s been Goliath v. David for many years. The poor owner does not have the money for assessments let alone attorney fees. This is why the law was written – every dime goes to assessments first!


The ruling is starting to show up on the web. We have noticed that the major collection attorneys have not shown the ruling. We believe they are going to try and fight it with Feldsott and Lee. We believe they will band together to try and take away your rights.


Read this disturbing Attorney’s post about the new ruling


Attorney’s overview of how she reads the ruling

Basically she is stating paraphrased: “you are not going to take away my cash cow mister! Your Southern California law means nothing up here in Northern California and I am just going to advise my clients to continue to foreclose so I get my big paydays!”


A lien services comments on Facebook

Note that they want to keep reviewing this decision (which in code means they want to change it). This is why YOU MUST fight to keep this ruling for you! Sign the petition!


A more rational overview of the ruling

This is by a website that comments on “attorney fees” and rulings that affect them.


The Condo Guru’s perspective


Feldsott’s perspective

This might be Jacqueline Pagano the young attorney who lost the case. She wanted to keep beating it into the appellate judges that I had a “payment plan.” Having a payment plan, drawn up by the attorney, gives the attorneys some rights. Effectively it’s a contract. I NEVER HAD, NEVER ASKED FOR, NEVER READ, NEVER SIGNED and never wanted a payment plan. I wrote a simple letter to the management company NOT EVEN THE ATTORNEY. They are still trying to change history. Sorry, never had a payment plan of any kind.








A sad HOA foreclosure story

June 29, 2010 – MICHELE NORRIS, host:


From NPR News, this is ALL THINGS CONSIDERED. I’m Michele Norris.




And I’m Melissa Block.


Now a story that will make you think twice about ever skipping a payment to your homeowners association. In many states, those groups have the power to foreclose on people who don’t pay their dues and they’re doing it more and more. In Texas, the number of foreclosure filings for delinquent association dues has increased tenfold in just the last few years.


NPR’s Wade Goodwyn reports.


WADE GOODWYN: Captain Mike Clauer was serving in Iraq last year, company commander of an Army National Guard unit assigned to escort convoys. It was exceedingly dangerous work – explosive devices buried in the road were a constant threat to the lives of Captain Clauer and his men.


Captain MIKE CLAUER (Commander, Texas Army National Guard Unit): We’ve had lacerated livers, broken femurs. Of course, backs blown out and things like from the EFPs and stuff that they’ve hit.


GOODWYN: Clauer was halfway through his deployment when he got a frantic phone call from his wife, May, back in Texas. It was a bolt from the blue.


Capt. CLAUER: That’s when she was bawling on the phone and everything and was telling me that the HOA had foreclosed on our house and it was sold. And I couldn’t believe, you know, that could even happen.


GOODWYN: The Army captain had a hard time understanding what his wife was saying. His $300,000 house was already completely paid for. Could it be possible that their home was going to be foreclosed on and sold because his wife had missed two payments of their homeowners association dues?


Capt. CLAUER: So I was really in a hurry trying to get home before my family was living on the streets.


GOODWYN: But by the time Mike Clauer got back to Texas, it was too late. Their four-bedroom, 3,500-square-foot home had been sold on the courthouse steps for outstanding homeowners association dues and legal costs. Total: $3,500. The new owner quickly sold it for $135,000, netting a tidy profit.


Capt. CLAUER: Basically, it’s everything to us. I mean – you know, I mean, having a house like this paid for was huge for our retirement plans.


GOODWYN: Lawyers for the homeowners association say that while Captain Clauer’s case is regrettable, it was his and his wife’s fault for not paying their dues in a timely manner.


Patrick Whitaker represents the HOA.


Mr. PATRICK WHITAKER (Attorney, HOA): But the fact of the matter is, the laws of the state of Texas allow homeowners association to file assessment liens on properties who haven’t paid their assessments, and they also allow foreclosure on those liens. And the homeowners association followed the letter of the law.


GOODWYN: In many states, it is not difficult for a homeowners association to foreclose on a member’s home for past dues, even if the amount owed is just a few hundred dollars. And in 33 states, a homeowners association does not need to go before a judge to do it. It’s called non-judicial foreclosure, and in practice, it means a house can be sold on the courthouse steps with no judge or arbitrator involved. In Texas, the process period is a mere 27 days, the shortest of any state.


David Kahne is a Houston lawyer who advises homeowners. Kahne says that in Texas, the law is so weighted in favor of homeowners associations that he advises people that instead of hiring him, they should call their HOA and beg for mercy.


Mr. DAVID KAHNE (Attorney): I suggest you call the association and cry.


GOODWYN: Kahne says if a homeowner misses a couple of homeowner association dues payments, the 250 or $500 they owe often becomes $3,000 after the homeowners association’s lawyers add their legal fees. It is not the homeowners association who has to pay the lawyer’s bill, but the delinquent homeowner. If the homeowner wishes to contest and loses, they’re on the hook for legal fees that could run deep into the double digits of thousands of dollars.


Kahne says that as the economy has gone under, homeowner association management companies and HOA lawyers have been making millions off of homeowners through this foreclosure process.


Mr. KAHNE: We’re having literally thousands of lawsuits filed over very small amounts of money. And those very small amounts of money rapidly become large amounts of money when the association attorneys add their bills.

GOODWYN: Suddenly faced with a demand that they pay $3,000 immediately or lose their home, many disbelieving homeowners don’t know where to turn. Some call their local TV news who they believe will share their outrage, and they’re right.


(Soundbite of news clip)


Unidentified Man: Guys, our investigation found that the number of HOA foreclosures by subdivisions, like the Lookout Canyon Creek here behind me, are skyrocketing.


Tony Goodman’s(ph) house is being taken from him.


GOODWYN: With the recession, the percent of foreclosure filings for delinquent HOA assessments in Texas has increased from between one to 2 percent of all home foreclosures to more than 10 percent, according to the industry. Over the last 20 years, homeowners associations have exploded across Texas. While there are 1,100 municipalities, there are now 30,000 HOAs. And HOAs have far more power than Texas cities or counties to take a citizen’s home away from them.


The perception that the balance of power has swung too far toward homeowners associations has begun to permeate the Texas legislature. Reform legislation has passed the Texas House of Representatives, but still no bill has been able to make it through the Texas Senate.


Republican State Senator John Carona represents Dallas.


State Senator JOHN CARONA (Republican, Dallas): Remember, associations are a collection of neighbors. The goal has to be to work well together to have a harmonious community and to create a lifestyle that people enjoy and want to be a part of.


GOODWYN: In Texas, serving in the state legislature is a part-time job. In addition to representing Dallas, Carona owns the largest homeowner association management company in the country. Associa is in 30 U.S. states and Mexico, with more than 100 offices, 6,000 employees and 7,000 HOA clients.


Carona defends HOAs’ right to foreclose for delinquent dues, even for small amounts.


State Sen. CARONA: If an association did not have a means, a forceful means to collect that money from any homeowner who, for whatever reason, couldn’t pay, well then it really places an unfair burden on every other owner in that association.


GOODWYN: There have been complaints that some members of homeowners association boards have bought for a pittance properties they forced into foreclosure, then sold them for a hefty profit. In Texas, there are no laws to prevent this.


Carona says the best way to address this apparent conflict of interest is not by passing new state laws, but by letting the HOAs handle it internally through modifications to the homeowners association constitution.

State Sen. CORONA: I think that an association can avoid that type of thing by simply adopting conflict of interest rules.


GOODWYN: Republican State Representative Burt Solomons from North Texas has been trying in vain to pass HOA reform legislation. Solomons says during state legislative hearings, there was no shortage of outraged homeowners, but he acknowledges the HOAs, their property management companies and their lawyers fought back effectively.


State Representative BURT SOLOMONS (Republican, North Texas): We have people who would come and testify that would say, well, we need the power to access and fine and foreclose, and we need the money. And we look for people in violation of the rules and restrictions that we put in place. And they drive around in golf carts looking for them.


GOODWYN: In theory, HOAs are only supposed to foreclose for nonpayment of dues. But Solomons says that through a loophole in Texas law, in practice, HOAs can foreclose for nonpayment of homeowners association fines, too. The North Texas representative watched with frustration last year as his reform bill died in the Senate.


As for Army Captain Mike Clauer, he’s gone from fighting in Iraq to fighting his homeowners association in Texas. If he weren’t in the military, Clauer would have no legal recourse at this point. But in a spasm of gratitude in 2003, Congress passed the Servicemembers Civil Relief Act, which was supposed to prevent non-judicial foreclosures against military personnel fighting overseas.


Capt. CLAUER: Hopefully, we’re going to get the house back. That’s what we’re fighting for, that the judge will understand what had happened, that this was illegal, that the HOA can’t do what they had done.


GOODWYN: If a federal court decides in favor of the Clauers, the foreclosure and subsequent sales of their home would have to be unwound and the deed returned to them. If they lose, the good captain’s nice, paid-for, suburban home would be lost to his family forever. The case goes to court early next year.


Wade Goodwyn, NPR News, Dallas.

Foreclosure by your HOA

Article on HOA foreclosure by Fox Business 10/13/2010


Homeowners associations (HOAs) have a history of foreclosing on owners to collect relatively small sums of money. For example, in one California study, the median amount owed in HOA was just over $2,000; in all other cases it was over $190,000. One family even lost their home because of a $120 HOA arrearage! Learn how to avoid an HOA foreclosure and how to sidestep the ways some HOAs use to try to take your home.


There are many laws in place to protect homeowners from foreclosure by their lenders or other claimants. Borrowers are protected from mortgage lenders foreclosing with bankruptcy proceedings, through homesteading, and through forced mediation in many states. But HOAs don’t face these same restrictions.


In California, for example, associations may begin the foreclosure process only 75 days after a missed payment was first due, while a tax collector must wait five years before beginning the foreclosure process for a tax lien. Associations are not required to go through a court to foreclose, as a property owner would to evict a tenant. Also, homeowners do not receive the benefit of the homestead exemption when their house is foreclosed upon by an association, as they would in the case of any other money judgment.


Why foreclosure is the preferred collection method


Why should HOAs use foreclosure to collect relatively small amounts when there are other effective ways to get their money, such as small claims court? There are a couple of reasons. In many cases, there are attorneys on the HOA board or working for or with property management companies who make a lot of money providing foreclosure services. HOAs have the power to run up several thousand dollars in late fees, interest, fines and attorney charges for a delinquency that may total only a few hundred dollars. They then use the threat of foreclosure to collect that amount. This has led critics to call the procedure a “shakedown racket.” There have also been allegations of board members who push for foreclosure, buy the properties themselves and flip them for big profits.


The Dallas Morning News report that HOAs are foreclosing with little warning to folks who miss their monthly dues. In one case, a soldier in Texas had his house sold at a foreclosure sale while he was in Iraq. His wife was suffering from depression and missed two monthly payments (total arrearage= less than $1,000). The $300,000 home fetched $3,500 at auction (the buyer reportedly flipped it for a 3,700 percent profit). And that’s the real crime — the devastating loss of home equity due to the massive discount of the home’s price at a foreclosure sale. So the family would have received almost nothing after the HOA took its late payments and piled on the collection fees.


In 33 states, an HOA does not need to go before a judge to collect on the liens. This is called non-judicial foreclosure and it’s a big hammer in the hands of an abusive HOA. Since the start of the recession, Texas foreclosure filings for delinquent HOA assessments have increased from about 1 percent of all home foreclosures to more than 10 percent, according to an NPR report. And in Texas, it only takes 27 days for a homeowner to go from missing an HOA dues payment to being homeless.


Some methods include

There are attorneys who advertise that they help HOAs earn extra money by foreclosing on owners who miss payments. One practice is refusing to accept partial payments. The homeowner comes in with a partial payment, which is refused, and he or she is told that the balance is even higher due to late fees and collection charges. In some states, there is a minimum amount that must be past due in order for the HOA to foreclose. If that’s the case, the HOA and their lawyers work at getting homeowners past that threshold by piling on fees and refusing to accept anything but payment in full. Once the amount owed gets big enough, they pull the trigger and take the house.


Other involve hitting you with minor infractions, such as the state of your shrubbery, then adding big fines and finally foreclosing.


If you tangle with your HOA, your best bet is to pay what they say you owe, then take them to small claims court to get it back.


If you can’t get caught up, and the HOA racks up huge fees and you are in danger of foreclosure, a bankruptcy filing can discharge all of the past-due HOA dues and the attorney fees, and save your home. But if the HOA hits you with additional charges after you file, you’re on the hook for them as well.


The HOA’s side


With the mortgage foreclosure epidemic, many HOAs find themselves in trouble. Homeowners let payments slide and associations with more than a 15 percent delinquency rate find that members can’t sell their properties because mortgage lenders don’t finance anything in an HOA with a high delinquency rate. So the answer for them is to swoop in and foreclose before the mortgage lenders do (once that happens the HOA claim is often extinguished), take possession of the property, and rent it to get the dues current so that members can sell their homes.


Ironically, at a time when most mortgage lenders are bending over backwards (using HAMP and other modification programs) to work with borrowers, HOAs are breaking records for fast foreclosures. So while you could be negotiating with your lender to save your home, your HOA could be positioning itself to sell your home on the courthouse steps at the same time.  


This article was originally published on HSH.com.
Read more: http://www.foxbusiness.com/personal-finance/2010/10/13/homeowners-association-really-foreclose-home/#ixzz26aXdwGCm


Doesn’t it all make sense? If HOA payments are so important to the HOA why would they be refused at any time? Just how many people have lost their homes over this practice? CAI did not support Feldsott & Lee, or file a brief in appellate court. See Attorney Steven Roseman’s important CAI post: Accepting partial payments. Note – This site is filled with information. Note that it does not offer legal advice.


VICTORY! – The Fourth District Third Division agreed with the Appellate Division of the Superior Court! See decision below. This will save a lot of homes. If your HOA or management company is refusing payments waive the law in front of them. SEE BELOW. Even if they file a foreclosure action you can now save your home.


There are 31 files, weighing 20.5 MiB with 16,534 hits in total.

Displaying 1 to 20 of 31 files.

  2015 - Another victory for the little guy. $30,000 in attorney fees - poof!
» 444.5 KiB - 218 hits - September 29, 2015
Keystone Pacific assessed me about $120 in fines and interest. Again, the association's providers caused this issue, and they would not take the blame. I refused to pay. I sued, in small claims and they counter sued - then they dropped that case. They sued me again and tried to get attorney fees. Erica Griffith of Keystone Pacific became BFF with James Harkins Esq. and was calling and emailing him almost daily about my case! What then did sweet Erica Griffth do? Then sweet little Erica thought she would simply place those charges for her 'legal consultations' on MY ledger so I could pay for her legal advice! Gee who's getting rich here off the backs of HOA owners? So anyway they sue me AGAIN in small claims. Judge rules against me. I know the law, I appealed. During the appeal, I get tired of all this and sue everybody for their bad deeds (that is the 17 defendant lawsuit). Judge allows the small claims appeal to be consolidated with my new unlimited lawsuit. He gives association chance to prove their case now in unlimited civil division. Just on small claims case James Harkins legal fees are about $30,000! Over a $120 issue! Keystone has written checks paying their friend James Harkins. As they say one hand shakes the other in this HOA business and Keystone and Harkins 'coincidentally' work together on the same HOAs. When the going get's tough.. the tough run like hell. When the Judge rules and found consolidation to be appropriate the association (most likely urged by Keystone and Harkins) decided it no longer wished to fight! (I guess someone was more comfortable ambushing me with attorney briefs in small claims court, then fighting a real fight) so they told the Judge they would dismiss. Well well well... like Wily Coyote Harkins sneaks into court and dismisses without prejudice! By law he has to dismiss forever... with prejudice. So, I was then forced to go through many months forcing them to dismiss with prejudice. Judge ruled today! I win, they lose. $30,000 in Harkins attorney fees POOF! Out the window! So, will James Harkins and Keystone pay this money back to my association? Can you believe Keystone authorized $30,000 to be spent in attorney fees over a $120 debt caused by the association? How does it 'really' work in this business? The poor owners in every HOA fund the lavish lifestyles of people like Stanly Feldsott, James Harkins and the owner of Keystone Pacific - Sharon L. Todd. That is my opinion. There are 9,000,000 HOA owners in California alone paying for the lavish lifestyles of these CAI associates who go to their 'awards ceremonies' about who took the most money this year from HOA owners. Unfortunately the HOA business has turned into a racket. The service providers make 'fortunes' off of HOA owners. They know its a racket, and they all participate in the racket on the backs of HOA owners.

  2015 - Complaint (Our Second Amended Complaint - 17 Defendants)
» 8.7 MiB - 820 hits - August 31, 2015
They sue us, they lose. They break the law. Now we sue them. Sue your Association, sue your directors, sue their lawyers, sue their collectors for all the misery they put you through. Here is our {proposed} second amended complaint against the following people: Huntington Continental, Rustan Laine, Myra Kuck, Stanly Feldsott, Tyler Jones, Jacqueline Pagano, Cary Treff, Erica Griffith, Rene Barger, Brittany Bennett, Arturo Chayra, Richard Barr, Diann Robertson, Keystone Pacific, James Harkins, the law firms etc.... If we all sue these people it may put these parasites out of business. Read the lawsuit - it will give you a good idea of how the servicers take lots of money from your HOA.

  2015 - February Election Flyer! READ this flyer!
» 69.4 KiB - 332 hits - February 17, 2015
This is the annual general meeting election flyer. READ this flyer. It will educate you about this important election!

  2015 - Owners attorney fees defending law War #1
» 281.8 KiB - 583 hits - February 21, 2015
As you can see these battles are no joke and you play with real money. Sam Walker is a hero. He saved the law for the 9,000,000 people (25% of California's population) that the HOA managers and attorneys were taking homes from illegally. People who could have kept them by making their assessment payments. The owners should go through association's records with fine tooth comb and see what this Association has paid Feldsott and Lee, and James Harkins in attorney fees. Apparently even when attorneys give bad advice, and don't follow the law, they get paid. Why? How much have the Directors paid these attorneys? This is just my opinion of course. Generally it's only the attorney who 'really' profits. And when you look at their payments they make HUGE paychecks from every association who will pay them!

  2015 March 10 - Miner prevailing party with attorney fees
» 137.9 KiB - 526 hits - March 10, 2015
While this ruling is somewhat unclear to us what is clear is the Miner is prevailing party in entire action! Four years of life wasted over this! Attorney Sam Walker is a hero. So many homes will be saved by this ruling. Sam Walker beat Jacqueline Pagano and Feldsot Lee at their own game. My HOA lost a boat load of money because of bad advice from their own attorneys. This had NOTHING to do with my case. Feldsott's interest was to win this case so it could continue it's illegal acts of refusing payment. My opinion of course. It's appears they used my HOA's money to fight their battle: then lost. Who loses in the end? My HOA!

  2015 NEW - owner sues Huntington Continental Town Home Association and it's directors
» 1.5 MiB - 545 hits - January 4, 2015
After years of alleged continued harassment, violations of the law, and negligence owner has been forced to sue his association. Read lawsuit filed against Huntington Continental and directors Rustan Laine and Myra Kuck. If you have experienced any of these same issues please contact the attorney. Named: HUNTINGTON CONTINENTAL TOWN HOUSE ASSOCIATION, RUSTAN LAINE, MYRA KUCK, KEYSTONE PACIFIC PROPERTY MANAGEMENT, CAREY TREFF, ARTURO CHAYRA, DIANN ROBERTSON, RICHARD BARR.

  2015 Superior court Judgment AGAINST Huntington Continental
» 49.7 KiB - 613 hits - July 18, 2015
Judgment AGAINST Huntington Continental. With that said Feldsott and Lee, Stanley Feldsott, Jacqueline Pagano, and Tyler Jones were still paid even though it was found by Court the collection tactics were 100% unlawful.

  Amicus Curiae by AARP HERA NHLP - supporting JM Trust - NEW!
» 511.3 KiB - 364 hits - June 14, 2014
This is the Amicus Curiae brief for appellate court by AARP, HERA and NHLP supporting and in favor of the law where associations are compelled to accept partial payments. However, bigger news is that CAI the association's, attorney's and manager's own association did not support this case and file a brief. Matter-of-fact an attorney writing for CAI wrote an article paraphrased "what's so bad about not accepting partial payments". My personal opinion that CAI did not even support Feldsott speaks volumes. We are in a debt of gratitude for those who have supported us through this nightmare.

  Amicus Curiae CAHOA with overview - Huntington Continental vs. JM Trust - NEW!
» 337.8 KiB - 590 hits - May 2, 2014
This contains two documents from this organization. One is the Amicus Curiae asking for publication of the Huntington Continental decision and then a simple overview of how Collection attorneys "really work". We are humbled so many people have contacted over this issue. Please submit your brief to the court per their directions. Any application to file an amicus brief shall be filed no later than June 9, 2014.

  Amicus Curiae letter supporting partial payment decision
» 306.2 KiB - 1,279 hits - February 8, 2014
An amicus curiae (literally "friend of the court") is someone who is not a party to a case who offers information that bears on the case. VERY IMPORTANT document that explains what HOA Boards and collections attorneys do. Read the truth of what has been taking place at the Huntington Continental and other HOAs in California.

  Appeal Decision final 10/2014 - VICTORY! - NEW
» 158.6 KiB - 333 hits - October 14, 2014
Fourth District Division Three - final appellate decision. Partial payments must be accepted! Victory to 9,000,000 homeowners!

  Argument to Appellate Court by Huntington Continental - NEW!
» 2.2 MiB - 734 hits - May 13, 2014
This is the brief filed by the Laguna Hills, California collection attorneys, Jacqueline Pagano and Stanley Feldsott. The brief sure looks pretty.. but the words, the facts and the laws are twisted and slanted far in their direction. Anyone wishing to support the cause should read this "respondent's brief" filed by Ms. Pagano. Unfortunately she (in our opinion) mis-characterizes the facts severely in her direction. For example, there was no payment plan. A simple letter was sent to the HOA, not even the attorney. No "attorney payment plan" existed and these are some of the key issues. For 17 years these attorneys have been refusing partial payments even though the law was clear.

  Argument to Appellate Court by JM Trust (reply brief) - NEW!
» 532.4 KiB - 608 hits - June 8, 2014
This is our reply brief to the appellate court. It's just amazing that this would all have to be done because some attorney would not take your payment. Look at all the money that has been spent... first a trial, then appellate division of Superior Court, now full blown appellate court. It is so sad our legal system has become this way - we are fighting for the little guy. All the little guys who have had their homes taken when they could afford to make payments and some lawyer took their home over a few pennies. This is a good brief. 1365.1 of civil code is also crystal clear - after all you can't pay a disputed charge and go to court to dispute it if the attorney won't take your payment!

  Argument to Appellate Court by JM Trust - NEW!
» 408.1 KiB - 622 hits - June 4, 2014
This is JM Trust opening brief in appellate court over 9,000,000 homeowners being able to make partial payments to keep assessment levels below $1800 so that anxious HOA collection attorneys can not foreclose.

  Attorney fees in Small Claims Court for HOA
» 18.1 KiB - 610 hits - July 18, 2014
This associations newest weapon. Now this lovely group is attempting to claim attorney fees in small claims court. "attorney fees" is a generic term. Are they fees for representation, or consultation, or legal fees. There are distinct differences. See the Judges Bench Guide for Small Claims, Department of Consumer Affairs Small Claims Guide. Don't let some plaintiff bamboozle the court - small claims is about money damages. Anyone should question an award of attorney fees in Small Claims Court. Read The Small Claims Act beginning to end. [not legal advice]

  Check images paid to the collection attorneys for this case
» 298.6 KiB - 642 hits - March 21, 2014
These are checks paid by the HOA - not the homeowner! Why are your dues high? This is just a hand-full of checks written to the collection attorneys Feldsott and Lee for the JM Trust case so far - the total at this point may be more than $40,000! This is AFTER I sent a check a paid the debt in full! It just goes to show you how stupid this really is. The amounts in total are probably triple this amount just for the HOA at this point. After an illness two years ago I hobbled into a HOA meeting. I gave a speech offering to settle the lawsuit and handed each of Directors a settlement letter. They did not even read the letter. The spectators clapped and met me outside. Don't ever underestimate the foolishness of your Board of Directors and how much money they will waste in your behalf. Note this is NOT even close to all the checks and payments they have made. Do you think they had a better place to spend this money? Now they want to take 9,000,000 HOA owners rights away. Just wait until you get your special assessment for legal fees!!!

  Court refusing to de-certify decision
» 6.4 KiB - 556 hits - February 8, 2014
A collection attorney asked appeal court to de-certify decision. The Court promptly rejected their request.

» 96.1 KiB - 496 hits - February 23, 2014
Please! Help to protect your own rights! This 17 year battle has finally been won protecting YOUR rights to pay partial payments in times of crisis, unemployment, disaster, accident etc. - the petition will help to secure your rights to make partial payments. Please sign and deliver or mail.

  Feldsott's request to move case to higher appellate court
» 400.1 KiB - 639 hits - February 17, 2014
After a panel of 3 Judges decided that you could make partial payments. Feldsott is trying to change the ruling. Of course the attorneys are not happy. The Board of Directors is supporting this by not stopping it!!! The goal is to take away your rights to make partial payments in times of personal catastrophe. Feldsott is being paid with your money, using you as standing, being supported by the Board of Directors, to take away your legal rights to make partial payments. Stand up and protect yourself! Tell your board of directors NO!

  Gena Hanson against Pro Solutions moves forward - NEW
» 92.6 KiB - 923 hits - July 15, 2014
7/11/2014 Federal Judge denies motion to dismiss Gena Hanson case against Pro Solutions in HUGE class action that should make HOA collectors rattle in their boots. JM Trust case mentioned in the Federal Judge's decision about partial payments aspect.


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About HCV

This is the owner and tenant advocate website. Until now owners and residents at the Huntington Continental Town Home Association in Huntington Beach, California have not had their own voice. Their complaints, their issues, their problems with the complex, the management, the association, the board of directors, the attorneys have all been silent unheard. Now its time to unleash the power of the web and get these issues heard.  The web is a great tool for exhibiting your complaints, frustrations and kudos with the association and its chosen agents such as Feldsott and Lee, and Keystone Property Management.


This site and the comments herein contain information that will verify owning in a home owner association may live up to everything you have ever heard about the HOA nightmare experience. Start at the front page, read a few of the documents, download the trial files. and thank God you did not buy a property here.


DISCLAIMER: This website is not a product of The Huntington Continental Town Home Association, Inc. nor it is affiliated with the corporation, or the board of directors. This is a private site provided for the residents of the community to allow and foster free speech regarding issues, positive or negative, that concern the owners and residents. We give you a platform to VOICE your concerns, under the premise of free speech, similar to Rip Off Report, Yelp, Wiki leaks, and others.


If you have had bad experiences or good experiences with the Law Firm of Feldsott and Lee, Keystone Property Management or the Board of Directors of our association we would like to hear about them. There is much to know about what has been going on behind the scenes with our board of directors, Feldsott and Lee, and Keystone Property Management. We will give you the tools and show you how to quickly obtain, contracts, minutes, your documents, your accounting, the minutes of any meetings about you or your unit, and attempt to stop all the needless allegations, fines and other menacing issues that are the daily routine of the operations at the Huntington Continental Town Homes.


Have you had:

  • Allegations and fines about oil in your carport?
  • Threats about your TV antenna?
  • Proposed fines about your window screens?
  • Countless letters, threats, and unfounded accusations by management?
  • Stonewalling by management and attorneys regarding your requests and complaints?
  • Refusing partial payments?


Regardless if your comments are  good or bad / pro or con, your your comments and opinions should be posted here to let the Board of Directors and management know how they are doing. The website put up by Keystone Property Management is hopelessly out of date.


Stay tuned as we open our forum and allow comments and discussions about complaints, lawsuits, contracts, the bios of our board, and everything you ever wanted to know about the Huntington Continental Town Home Association.


Have you even seen the attorney’s contract and how they make money off of us? How about the Keystone Property Management contracts? These are very interesting reads and something you should be aware of. You might attend more board meetings if you REALLY knew how this all worked.


Planned areas of this website include:


  • Bios on each of our directors (when they don’t tell you about them when they run for office)
  • A forum where you can post your issues and discuss the Board of Directors, Keystone Management Company and Feldsott and Lee, the attorney firm the board has received so many complaints about.
  • A classified site for things for sale in the complex.
  • All documents for the association for easy download.
  • And much much more!