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    #16
    ValleYum,

    Today I finally got my HOA appeal hearing on my tree fine. It was a kangaroo court and I didn't stand a chance. After today I don't believe they can back down on the fine. I was thinking about trying to negotiate a settlement that would eliminate the fine and I would continue to pay the dues. Today proved this HOA cannot be trusted therefore there is little point in trying to settle.

    I really don't care if the HOA or bank forecloses first. With any luck one will cause the other to act quickly.

    I have selected the attorney I will hire for my bankruptcy. I stopped by and talked with his assistant who was receptive of my waiting for foreclosure to file.

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