The HOA in my neighborhood makes it clear that they are not an "enforcement agency," If you have a problem with a neighbor, you either take it to the neighbor, of if it's bad enough, to the police, civil courts, whatever. The HOA pays for the street lights, and the landscaping at the entrance, and that's about it. And I like it that way.

After reading this, I checked, and here in KY we don't have "non-judicial foreclosure." I don't know if it means we're immune from this kind of swindling, but I was glad to find that out.