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In Illinois most HOAs hire private management companies that work in tandem with debt collection attorneys. If you have past due fees, the HOA can take you to court, take possession of your home, and turn it into an airbnb to pay off the debt. Not kidding.
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I'm gonna say no without reading the story
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no quarter
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I used to work for a single family home rental place and OH BOY are some SW HOA's badly run. Like if you don't want renters why let us buy the property? You do let use own a home there but send us letters across the country snail mail instead of emails so you can fine us more?
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It got so bad multiple rental management companies were filing join lawsuits.
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