Georgia · O.C.G.A. § 44-3-232
Georgia HOA Dispute Letter — Statute-Cited, $29.
Letter cites O.C.G.A. § 44-3-232 — Georgia members have a right to inspect HOA records. SB 406 (2026) raised the foreclosure threshold to $4,000 with 90-day notice. Drafted in 5 minutes, certified-mail-ready, $29 one-time.
- O.C.G.A. § 44-3-232
- PDF + Word
- One-time $29
Last updated: May 2026
Researched by the HOAOverreach Research Team
Magnolia Crest HOA
Attn: Board of Directors
Sandy Springs, GA
Re: Violation Notice — fine of $1,800
Dear Board of Directors,
I'm writing in response to the $1,800 fine assessed at my property. As context for this dispute, the Jacksons of Sandy Springs received a $1,800 lien notice for fines that compounded with $600 in 'collection fees' — the kind of stacking SB 406 now bars.
Under O.C.G.A. § 44-3-232, Georgia members have a right to inspect HOA records. SB 406 (2026) raised the foreclosure threshold to $4,000 with 90-day notice. The board did not meet that requirement here.
I demand the fine be rescinded within 14 days. Alternatively, please schedule the hearing the Georgia Property Owners Association Act requires.
Respectfully,
[Homeowner]
Magnolia Crest HOA
Attn: Board of Directors
Sandy Springs, GA
Re: Violation Notice — fine of $1,800
Dear Board of Directors,
I'm writing in response to the $1,800 fine assessed at my property. As context for this dispute, the Jacksons of Sandy Springs received a $1,800 lien notice for fines that compounded with $600 in 'collection fees' — the kind of stacking SB 406 now bars.
Under O.C.G.A. § 44-3-232, Georgia members have a right to inspect HOA records. SB 406 (2026) raised the foreclosure threshold to $4,000 with 90-day notice. The board did not meet that requirement here.
I demand the fine be rescinded within 14 days. Alternatively, please schedule the hearing the Georgia Property Owners Association Act requires.
Respectfully,
[Homeowner]
Statute Facts
What Georgia HOA law actually says
These are the Georgia-specific rules every dispute letter from this page cites. Each sentence is sourced directly from Georgia Property Owners Association Act (O.C.G.A. §§ 44-3-220 to 44-3-235).
- Georgia HOA members have the right to inspect and copy association records upon reasonable notice under O.C.G.A. § 44-3-232.
- Georgia SB 406 (2026) raises the HOA foreclosure threshold to $4,000 and requires 90 days pre-foreclosure notice.
- Under Georgia SB 406, payments to an HOA must be applied to assessments first, then to fines — protecting homeowners from fee-stacking on minor fines.
- Georgia HOAs must be registered with the Secretary of State under SB 406 (2026) to be eligible to file a foreclosure action.
- Georgia HOAs must follow the procedures set forth in the declaration before taking enforcement action under O.C.G.A. § 44-3-220 et seq.
The fine math
Georgia HOA fine and procedure rules at a glance
Pre-fine hearing
Not state-mandated — check CC&Rs
Notice period
7 days
Statutory fine cap
No state cap
Dispute resolution
Not required
Georgia escalations typically go to magistrate court (small claims up to $15,000) or superior court. SB 406 also creates a new SOS complaint pathway for unregistered HOAs attempting to foreclose.
What's in your letter
Every Georgia letter built on three pillars
O.C.G.A. §§ 44-3-220 to 44-3-235
Each letter cites the specific section of Georgia Property Owners Association Act the board allegedly skipped — by section number, not by general reference.
CC&R clause analysis
The article and section of the CC&Rs the board cited — pulled into the letter so the board cannot later claim a different clause governs.
Fine-cap or fee math
Georgia has no statutory fine cap, so the letter argues reasonableness and procedural defect under the CC&Rs and Georgia Property Owners Association Act.
Georgia-specific. Statute cited. Certified-mail-ready.
FAQ
Common Georgia HOA dispute questions
Can a Georgia HOA still foreclose on my home?
Only above the $4,000 threshold under SB 406 (2026), and only after 90 days pre-foreclosure notice. The HOA must also be registered with the Georgia Secretary of State. Below $4,000, foreclosure is barred — making the dispute letter the cheapest way to keep the total under the threshold.
What is Georgia SB 406 and how does it change HOA disputes?
SB 406 (2026) overhauled Georgia HOA enforcement: foreclosure threshold raised to $4,000, 90-day pre-foreclosure notice required, mandatory SOS registration, and payments must apply to assessments first (not fines). These protections together cap how badly a minor fine can compound.
Can I inspect my Georgia HOA's records?
Yes. O.C.G.A. § 44-3-232 gives Georgia HOA members the right to inspect and copy association records upon reasonable notice. The HOA may not refuse the inspection without a specific statutory ground.
Does Georgia require a hearing before an HOA fine?
Georgia statute does not impose a categorical pre-fine hearing requirement, but most CC&Rs in Georgia incorporate procedural requirements. A fine assessed in violation of the CC&Rs' own procedures is voidable on demand — the dispute letter cites both the CC&R clause and the procedural defect.
Push back on your Georgia HOA.
Statute cited. CC&R clause referenced. Delivered as a print-ready PDF in under 5 minutes.
Generate My Georgia Letter — $29$29 one-time · No subscription · Refund if not delivered