Fight Coach · states
Universal SPEED PATH, then a state overlay, then a thin county layer. Texas is deep. Arizona, Florida, and Tennessee are live overlays. NC / GA / CO are stub pickers. County is venue / e-file / calendars / sale notices — not a different foreclosure statute. Educational / self-help only.
Tonight: Texas is the live deep module. Arizona, Florida, and Tennessee are live overlays (official A.R.S. / Fla. Stat. / TCA teaching points, summons calendars, dual-AI prompt kits). North Carolina, Georgia, and Colorado remain priority stubs — official-link overlays and a waitlist, not a full state-pack build. Educational / not legal advice.
Deepest module · founder fight + public Houston-area reporting
Live playbook tonightFounder’s fight. Chapter 209 and Rule 736. Fort Bend / Harris filing pattern. Public Wenonah Blevins history.
Deepest live playbook — statutes, 736 dates, § 209.008(d) invoice demand, records path.
Viral Mesa fee-balloon story
Live overlay tonightMesa / Superstition Springs reporting: a ~$475k home and unpaid fees reported around $977, then attorney-cost balloon and auction.
Live judicial overlay — A.R.S. § 33-1807 / § 33-1256 thresholds (18 months or $10,000 assessments, whichever first as of filing), payment-plan and 30-day certified-notice beats, Superior Court answer calendar (YOUR summons is the clock). Not Arizona legal advice.
Lien-sale / equity-loss reporting
Live overlay tonightPublic equity-wipeout and lien-sale themes (Megna-style reporting; Boca; Rivercrest $150-to-sale coverage).
Live judicial overlay — Fla. Stat. § 720.3085 HOA notice chain (late-assessment / 45-day lien / 45-day foreclose), § 718.116 condo claim-of-lien and 45-day intent, Rule 1.140 answer calendar, fee-spiral waterfall. Not Florida legal advice.
Condo statute vs HOA CC&R hunt
Live overlay tonightCondo-heavy metros (Nashville / Memphis / Knoxville). Tennessee publishes a condominium assessment-lien statute — not a statewide planned-community foreclosure book. Hunt condo vs HOA CC&Rs first.
Live overlay — TCA § 66-27-415 judicial default vs declaration-authorized Title 35 ch. 5 sale, § 66-27-202 applicability, no invented HOA threshold, Tenn. R. Civ. P. 12.01 30-day summons clock, thin Davidson/Shelby/Knox clerk links. Not Tennessee legal advice.
Small-debt foreclosure investigations
Priority stub — not a full pack tonightCharlotte Observer investigation themes: small debts, low auction prices.
Priority stub tonight — not a full NC pack. Verify N.C. Gen. Stat. 47F-3-116 / 47C-3-116. No invented numbers.
Investigative foreclosure-power coverage
Priority stub — not a full pack tonightAJC / WSB investigation themes: aggressive foreclosure-power concerns and legislative-reform interest.
Priority stub tonight — not a full GA pack. Verify O.C.G.A. 44-3-109 / 44-3-232. Flag SB 406 / 2027 effective-date questions.
Attorney-fee balloon investigations
Priority stub — not a full pack tonightProPublica Timbers-pattern reporting: small assessments, large attorney-fee balloons.
Priority stub tonight — not a full CO pack. Verify CCIOA 38-33.3-316 and later session bills (including HB25-1043). Re-verify text.
General / coming soon
Coming soonHOA collection and foreclosure pressure is nationwide. We do not invent your state’s statutes.
General tips only — documents, ledger split, no debt admission, calendar clocks. Coming-soon module.
This is happening now · across the country
Public reporting — not legal advice, not your file, not a predicted outcome.
Arizona
Public reporting described a Mesa home worth about $475,000 and unpaid HOA amounts around $977 — about $170 a quarter in assessments. Payment-plan offers were reportedly rejected. Fees ballooned with attorney and plaintiff costs. The home sold at auction. Later redemption demand was reported around $10,000-plus. That is not a Texas story. Small unpaid assessments can become a foreclosure file anywhere the machine is allowed to run. Arizona later passed SB 1494, which news coverage treated as raising foreclosure dollar and time thresholds — policy context, not Arizona legal advice from this site.
Educational / not legal advice. Facts summarized from published reporting only. We do not name the owner beyond what the articles already printed. We make no claim about the lawyer, the association, or what a court would do on different facts.
Texas
Public coverage of Wenonah Blevins is part of why Texas homeowners already know this machine exists. Fort Bend and Harris dockets show assessment-foreclosure filings as a pattern — we are not claiming any one of those files is yours. Texas is the deepest module here because it is the founder’s fight, not because other states are safe.
Read the reporting. Do not treat a news story as your file. Not legal advice.
Florida
Florida coverage (Megna-style equity loss; Boca; Rivercrest $150-to-sale themes) is about how assessments plus stacked costs and lien-sale practice can erase a house. Split HOA vs condo before you copy anyone’s letter.
Themes from reporting. No statute numbers invented here as if they decide your lot.
North Carolina
Investigative reporting described HOA debts often under about $2,000 and sales that did not look like market value. Awareness, not a prediction for your county.
Read the Observer work. Verify current North Carolina statutes yourself.
Georgia
Atlanta-area investigations have questioned how little it can take to start an HOA foreclosure and whether boards actually authorized the file. Legislative interest exists. Confirm what is in force, including any delayed effective dates.
Reporting themes. Not a reading of O.C.G.A. for your association.
Colorado
The Timbers-pattern reporting is the same machine in a different statute book: dues that started small, attorney fees that did not. Bankruptcy crossover is “ask a Colorado lawyer,” not a prompt outcome.
Read ProPublica. Verify CCIOA and later bills on official hosts.
Thin county layer is live for Texas (Fort Bend / Harris first). Filing-count maps stay later. County hosts.
