Hey Railman,
I'm in the similar situation (late on fees). Put my post in mortgages and foreclosers, having to answer in writing quickly. No one would give me a good response. Can't afford a lawyer, so I'll end up giving them a "hardship" letter, with a check in "good faith", make payments...
We've just been served 'lis pendens, complaint, threaten to foreclose for past hoa fees, plus legal fees less than $2k. Have to respond with 20 days either to the clerk of court or lawyers suing. It's been financial hardship for three years, in and out of foreclosure with mortgages, finally...