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I am a tenant of a condo. Just moved in May 2011. Shortly after moving in, I was approached by a service processor looking for the owner. Apparenlty, they have not been paying the HOA's. Then the President of the HOA approached me. I had no answers for them as I knew nothing about this! I am a single mother. I make hourly wages and live pay check to pay check. I can't hire an atty or afford to move again! The summons says a lawsuit has been filed against me and I am to respond. The HOA has filed a complaint for a lien forclosure on the condo. How to I respond?