You should be able to find out if your account is with collections. Once you have that information, you should send a formal request to meet with the board to ask for a payment plan (which you are entitled under state law) and ask for them to waive the late fees, which is up to the board’s discretion.
from https://www.reviewjournal.com/homes/homes-columns/barbara-holland/law-says-homeowner-can-receive-hoa-payment-plan-2472691/
from
https://calliduselctric.tumblr.com/post/667058956194201600
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