Homeowners fall behind on HOA dues, get little help from board

http://www.latimes.com/business/realestate/la-fi-associations-20130317,0,3432151.story

A couple who are behind on their payments have received warnings about fees and penalties. How to resolve and avoid foreclosure?

Question: My husband and I lost our jobs and have enough challenges staying current with our monthly mortgage payments, but we're three months behind in our homeowner association dues. We've already received one notice from the board stating we must stay current or be subject to fees and a lien being placed on our house.

I want to know if there is anything we can do to ensure we're not unreasonably fined or penalized, or are subject to other things that the HOA board may impose against us, like a lien or foreclosure. The board seems unwilling to meet with us. It is as if they're just biding their time before taking our home. What do we do?
Answer: There are two types of foreclosure typically used in common interest developments with homeowner associations, judicial and nonjudicial.

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