Did you call the HOA / their lawyer and tell them this? The probably would not have wanted to sue you had they known it was that sort of mixup.
This is AVVO, a place for users to obtain general legal information to general legal questions. I am glad to help you in any way I can, within those limits. I wish to make clear I am only communicating with you for the sole purpose of exchanging such general information, and nothing more. It is not legal advice, which I can not provide because among other reasons I know few of the necessary details of your situation. I do not purport to represent you in any way, shape or form. Of course, if you would like to seek out my services, and if you are a NY resident, I will probably not put up very much resistance but representation would still necessitate a signed retainer agreement between yourself and I. Thank you.
First you should contact your HOA. You have documented proof that you were attempting to pay the dues. It is strange that they did not try to get in touch with you after the first "missed" payment; however, if you speak with them it is likely that they will allow you to make the past six payments and then set up your account to go to the correct address. I doubt they want to be involved in litigation when the solution is very simple and you are willing to pay.
The information provided herein is general information only and not legal advice. The information provided herein does not create an attorney client relationship and is not a substitute for having a consultation with an attorney. It is important to have a consultation with an attorney as the information provided in this forum is limited and cannot possibly cover all potential issues in a given situation