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Best thing to do really is to simply pay the assessments and get it overwith. But, do consult an attorney with your specific case.
Below are a couple of links that help explain the laws. If you have questions, contact an attorney to give you proper representation and don't rely on advice from non-attorneys.
When a homeowner does not pay a bank, you're taking money from a corporation, probably one that has defrauded thousands of owners in the past 6 years. Most of the CEOs should be in jail for the crimes committed since the mortgage meltdown. When you stop making payments to your HOA, your neighbors have to make up the shortfall personally from their pocketbooks. It's a big difference.
If you're behind on HOA payments, you should try your best to come to terms on a workout solution to pay down your debt. Again, they can probably foreclose quickly and you really don't have a defense.