Real Estate Law
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I can't tell you what to do... I can just tell you what would be the least expensive option if you wanted to go that route.. The thing is, if you didn't pay the dues, and don't have a legal defense to not doing so, then the HOA will win eventually. The longer you drag it out, the more it will cost you in legal fees.
So cutting your losses is the financially prudent thing here and then working out a payment plan that you both agree on to get caught back up.