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Homeowners Rights to Procedural Due Process Before Foreclosure Proceedings

Living in a Homeowners Association the homeowners right to a violation notice, and hearing with the board before forwarding case incident to attorney is essential.

No one shall be "deprived of life, liberty or property without due process of law according to the Due Process Clause of the Fifth and Fourteenth Amendment of the Constitution. Moreover, the American Heritage Dictionary defines "Due process" as "[a]n established course for judicial proceedings or other governmental activities designed to safeguard the legal rights of the individual."

Homeowner Association and the board should provide the owner an opportunity to correct the issues or dispute the issues before sending the case to the attorney to incure significant expenses.

The essence of procedural due process is notice and the right to be heard. The notice must be reasonably calculated to apprise a party of the pendency of proceedings affecting him or his property, and must afford an opportunity to be heard before submitting or forwarding the violation to their attorney.

Therefore, at a minimum, the Association must provide the accused owner with the following standards of fair due process:
• Adequate Notice of Violation
• An opportunity to be heard
• Reasonable opportunity to defend or cure any violation against the allegation prior to any submissions to any attorney
• Appeal process within the governing association board, prior to violation being sent to the attorney.
• Failure to comply, the case incidents will be sent to the attorney.