In Florida HOAs have a lot of power and they can actually foreclosure on your home and take ownership--even if you only owe them $1! It's ludicrous but unfortunately our State Statutes allow HOA attorneys to profit (they get about $2k for doing a foreclosure for an HOA) and offer questionable (self serving) legal advice to volunteer (incompetent) HOA Board of Directors.
So if the HOA has filed a foreclosure lawsuit against you, you cannot ignore it or the HOA may soon own your house!
You need to go to the next board meeting and plead your case so the Board of Directors doesn't continue to move forward with the foreclosure. If you have any money, plan on making an immediate payment and work out a plan to repay your back owed fees.
Of course, I'm not an attorney so you need to seek legal advice if you've been served with a lawsuit. If you cannot afford an attorney, you may be able to find free legal advice. Google Jacksonville Bar Association and contact the local Bar.
Here's an interesting website about HOAs and Condo Assns:
All the best,