Now, I certainly believe HOA's have their place and time in some fashion or another. My HOA happens to suck but I have been a part of others where they were good and we have a new build in a gated community where the HOA lacks organization as it is young. However, in the event I was harrassed by a lien being placed on my property as the result of a few days late payment of said dues I would file suit in every dadgum jurisidiction applicable citing any law, rule, code, etc in order to support my position. I might go so far as to seek a judgment nullyfying the authority of the HOA had they not maintained appropriate records or had evidence of adhering to their own rules or by laws. ( Hint: THis has happened before) Seriously, I have placed liens on properties post judgment for large amounts of monies. I am certainly aware of the foreclosure process and believe it should be used for only the most egregious of actions or degradation of debts. By the way, most Judges feel this same way. 
