A homeowners association foreclosed upon and evicted a resident from his house in Jacksonville, Fla., because he had $532 in unpaid fees. Ken Baxley, who owned the home for four years, says he had refused to pay the HOA for two years. "I didn't think they were that threatening," Baxley says. "I basically blew them off. That was my mistake. I blew off the homeowners association."

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