I'm Lucy, and I'd be happy to answer your questions today. I'm sorry to hear you're having so much trouble.
If you believe members of the HOA are embezzling, call the police and file a report. That's entirely separate from all the other issues, but that's a crime.
Washington law provides that, when people who live in an HOA are required to sue for violation of their duties, the prevailing party may be awarded attorney's fees. RCW 64.38.050. You should be able to find a lawyer to accept the case with the agreement that you'll pay their fees after the case is over. It can sometimes help to talk to other homeowners in your area to see if they have the same issue with the HOA that you do - the more homeowners who can sign onto the case, the more people to help you share that expense if you don't win. Also note that you're not required to hire a lawyer at all - you could file lawsuit on your own. But if you don't have a legal background, a lawyer is easier. A lawyer can also subpoena your financial statements from the HOA, which means they'd be in contempt of court if they didn't provide them within 30 days of receiving the request.
Another option is to look into what your governing documents say about replacing members of the HOA. See if you can request a recall by a member vote, or when the next election is. Maybe you can get homeowners on the board who will be more responsive to requests for repairs and other homeowner needs.
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