North Carolina homeowners are facing a growing constitutional crisis — one that threatens property rights from the mountains to the coast. Through a series of judicial decisions, sparked by a legal argument advanced by Charlotte attorney Ashley B. Oldfield of Rayburn Cooper & Durham, P.A., private homeowners associations (HOAs) have gained the practical power to act as courts. The result is a dangerous precedent: HOAs can now hold private “hearings,” declare homeowners negligent, impose liability, file liens, foreclose on homes, and pursue attorney-fee awards — all without any judge ever determining wrongdoing.

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