You need to know your rights and duties. Your best defense is to read and understand your association documents (the Declaration of Restrictive Covenants, the Articles of Incorporation, and the Bylaws) and to understand the Florida Statutes governing homeowners associations (Chapter 720 and Chapter 617 or Chapter 607)

FORECLOSURE — Your association can foreclose on your home for unpaid assessments – there is no defense to not paying assessments. You cannot claim they are not maintaining the community as a reason to withhold assessments.
FINES — Your association can …