I didn't pay my annual HOA dues, '09 and '10, $268 per year; negligence on my part. I do not live in the property, have a tenant. I just got a letter from a collection attorney saying a lien has been put on the house and it will go into foreclosure if I don't pay $2,200, within 30 days (or submit a payment plan for said amount - and maybe more - within 30 days). This sounds outrageously high. Do I have any recourse with them? What would you suggest? I have no experience with this. Am I bound to pay whatever amount they demand? How would I go about negotiating? I don't have the cash on hand, either, but could make payments. Thank you very much for your input.