I've never been part of an HOA, what is their ultimate leverage in the contract... Like I assume they can't evict people from homes that they own... Can they send people into debt collection or something if they refuse to pay?
Discussion
They can take away any communal privileges like pools, clubhouses, etc. If you don't pay your monthly assessments, they can take you to court and get a judgment to garnish wages, etc. In some states, if the arears are large enough, they can actually put a lien on your home. In extreme cases, that can force a foreclosure sale.
Wow, brutal.