If you were never properly served with lawsuit papers than you need to file a motion to vacate the default judgment [new trial] and then file an answer. Next, you will need to go forward with a defense to this case or try to settle it. Of course, if you do not have a substantive defense, then you may want to try to settle this now. In other words, getting the default judgment vacated may buy you some time; but it may not help you avoid the inevitable. Plus, the more time this matter is tied up in court, there is a good chance that it will cause you to be on the hook for more legal fees accrued by the HOA.
Writing your state representative will not likely have any outcome here; but you can try.
This motion for new trial form and instructions may be of help to you.
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