We have a HOA, too. We pay $100 every quarter, but most of the times it's a big inconvenience on us. Usually, when it's due, I cannot afford to pay it when it's due, so we end up payig it a month late. I know $100, equals to be around $33/month. Last October, when it was due, I didn't pay it for almost 2 months, and we ended up getting a pre-demmand lette, saying if we didn't pay it, they were going to take us to court
So, I called and left a message saying it would be in the mail the next day. We were late because we had had our hours slashed at work, a few weeks prior to that. They can be rude on the phone, too.
I think it is nuts that they can foreclose on your house....... I mean, you have a mortgage for a house...... The guy at work says it's legal extortion, lol. Hasn't anyone ever looked at what the money goes towards? Stupid stuff, imo.