For Florida Homeowners
When your HOA crosses the line, you have more recourse than they want you to know.
Upload the letter, the fine, the assessment, or the denial — whatever the Board sent you — and we’ll build you a personalized Fight Plan and a response letter drafted to Florida statute. Right now, in your browser.
Dear Members of the Board:
I write in response to the Notice of Continuing Violation dated May 12, 2026, asserting that I owe $4,500 in accumulated fines…
1. Your Situation
On February 11, 2026, you received a Notice of Violation stating that your front lawn exceeded the height limit set in Article VII, Section 3 of the Declaration…
2. Your Rights
Florida law gives you three concrete protections that the HOA does not appear to have followed…
The Three Doors
Right now, you have three ways to handle this. Two of them are bad.
When a Florida HOA sends a notice that doesn’t sit right, most homeowners pick the worst option by default. Here’s the honest comparison.
- ✓Real legal review
- ✓Authority to file suit
- ×2–3 week wait for intake
- ×$3K+ before you see results
- ✓Costs nothing
- ×Generic, not your case
- ×No Florida statute citations
- ×Boards count on you doing this
- ✓Personalized to your case
- ✓Florida statute, cited correctly
- ✓Ready to send today
- ✓Track your case as it evolves
How it works
Three steps. Minutes, not weeks.
You tell us what the Board sent you and what happened. We do the legal homework and render your Fight Plan + Response Letter in real time, right in your browser.
Tell us what happened
Paste the HOA’s letter and describe the situation in plain language. The system asks 3–5 quick follow-up questions to pin down your jurisdiction and case type.
Watch your Fight Plan build
Your Fight Plan and Response Letter render live in the canvas next to the chat. Every statutory citation is checked against our Florida HOA knowledge base. Nothing hallucinated.
Download, send, and keep fighting
Download both documents as polished PDFs. Send the letter today. Your case stays open in your dashboard — when the Board responds, come back and we’ll help you draft the reply.
What you walk away with
Two documents. Drafted to be sent today.
Your Fight Plan
An editorial-style advisory explaining exactly what's happening and what to do next. Plain English, not legalese.
- →Your situation, summarized
- →Your specific rights under Florida Ch. 720
- →What the HOA appears to have done wrong
- →The recommended response and timeline
- →The escalation path if they don’t back down
- →The Board’s likely playbook — and how to counter it
Your Response Letter
A formal letter drafted to the Board, ready for your signature. Statutory citations integrated, demands articulated, deadlines set.
- →Letterhead-style formatting
- →Florida statute cited correctly
- →Specific procedural violations identified
- →Concrete demands with a 30-day clock
- →Records inspection request enclosed
- →Reservation of rights for what comes next
Start your case
Open your free account. Build your first Fight Plan in minutes.
Sign in with your email. No credit card required to start. Your first Fight Plan is free — see the documents we produce before you decide whether to subscribe.
Get started — free →Questions
Things people ask before they sign up.
Is this legal advice?
No. Owner’s Counsel produces information, document drafting, and case organization. We are not your attorney and we do not represent you. For active litigation, a foreclosure threat, or anything where you need someone to appear in court, you should retain a Florida-licensed attorney. We’ll tell you in your Fight Plan when we think you’ve reached that point.
How is this different from asking ChatGPT?
ChatGPT will give you generic guidance that sometimes cites statutes that don’t exist. We pull from a Florida-specific knowledge base of statutes, common governing-document provisions, and the actual procedural playbooks Boards use — and every citation in your documents is verified against our knowledge base before it goes to you. The difference is the difference between a draft you can send to your HOA and one that gets you laughed at.
What if my case is in Texas, California, or somewhere not Florida?
Right now we’re Florida only. The law and procedure are different enough between states that doing one state well matters more than doing every state badly. Tell us where you are anyway — we’ll add you to a waiting list for when we expand.
My HOA is being run by a management company, not a board directly. Does this still apply?
Yes — in fact, that’s the most common case. Management companies operate under the Board’s authority and follow the same Florida statutes. The procedural requirements that protect you don’t change just because a third party is doing the paperwork.
Why is this a subscription instead of one-time?
HOA disputes don’t resolve in one letter. The Board responds, you reply, they escalate, you escalate. We charge $29/month so we can keep your case open and help you with every step until it’s done. Most cases resolve within 2–4 months. Cancel anytime — no contracts.
Will the Board take this seriously?
Most of the time, yes. A formal letter that cites the actual Florida statute and identifies specific procedural violations puts a Board on notice that you know what you’re doing. Many disputes that looked impossible end with a quiet rescission once the Board realizes their procedure was defective. We can’t promise that outcome — but we can put you in the strongest position to ask for it.
You don’t have to pay what they say you owe just because they say you owe it.
Open your free account. Build your first Fight Plan in minutes.
Start my Fight Plan→