jill schweitzer. well, she got burned and harassed by her hoa. didn't take it laying down. >> about five years ago, i bought into a bad hoa. i discovered that they weren't spending the money properly. and then, also, i was surprised at how they handled insurance claims, not treating everybody the same. >> she created hoa savers and is working to educate homeowners and help them navigate the often tricky world of homeowners associations. >> as a realtor, i was surprised to learn that we're not taught anything about hoas. so everything i've learned was through my own experience. >> as a realtor, jill says she wants her clients to know exactly what they're getting into when they buy in hoa communities so there are no surprises later on. what do people give up when they decide to buy a home that has an association? what type of things are they actually giving up when they do that? >> they're giving up their constitutional rights. they're living under a totally private government, really. the hoa can have the power to, more than the police do, to issu