You should repost in Missouri as you want to have a lawyer in that state review your question.
In most cases, you can make payments, but until you get the lien paid off the HOA may move forward with enforcing the lien against the property and will usually add costs and attorneys fees to the amount you owe.
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Make a deal. They will compromise.
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So sorry to read of this predicament. You need an attorney in Mizzou to review the terms of your HOA rules and bylasws to make sure they are in compliance with their own rules. if they are, you have some challenges and ought to try to strike a deal soon. If you don't, the price of doing business is only going to go up.
Best of luck!
In no way am I offering you legal advice, and in no way has my comment created an attorney-client relationship. You are not to rely upon my note above in any way, but insted need to sit down with counsel and share all relevant facts before receiving fully-informed legal advice. If you want to be completely sure of your rights, you must sit down with an experienced criminal defense attorney to be fully aware of your rights.