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In Georgia, homeowners like Karen Gibbons face stark realities of an HOA system that can foreclose on a property, even if the homeowner is up-to-date on their mortgage payments. Gibbons' experience began when she mailed her HOA dues as instructed. However, payoff confusion ensued when dues were cashed erratically, ultimately culminating in a foreclosure notice. She was shocked to discover that she owed over $30,000, an amount that skyrocketed because of looming late fees and attorney expenses.