If payment is required before you can renew the answer is obvious and one you likely already know. Find the money somehow.

HOw to sue?

File pleadings against the hoa and serve its authorized representative. An attorney is always a good idea.

What happens with real estate when you file for bankruptcy?

You may reaffirm the home loan and keep that relationship.

How do I know if my father-in-law left a will when he died?

Someone must file the will with the court where he resided.

How to find attorney experienced with litigating against homeowner's insurance company

I think this is a duplicate question and responses already occurred.

How to find attorney experienced with litigating against homeowner's insurance company (pt 2)

Perhaps a rental property is in your best interests. Repair can be made by your landlord. Otherwise interview attorneys in your area and pick one...

Can i get custody of my siblings? I will be 17 next month

You must first be an adult yourself.

Can we sue them in small claims court here in Las Vegas, where we live, or must we sue them in Wisconsin, where they are?

Small claims are futile and difficult to turn into cash. Hire counsel contingent upon success of the case and share the judgment amount.

Can I sue for emotional distress?

Unlikely. You must show actual damages and treatment.

If you want to risk the tenancy of the party in the premises that prevents commercial activity go right ahead.