Hi, Toby. Each HOA has its own Rules and Regulations. Call your management company and ask them. In my community we have residents who aren't paying their HOA, but I don't make up the cost. However, the HOA has taken away some of their privileges that are covered by their dues, such as, easy entrance to the community (we are guard gated), mowing their back yard, etc..
Unfortunately, times are tough for a lot of people and they are struggling to make ends meet. However, that being said, it's not uncommon for me to know people who aren't paying their mortgages or HOA dues, but are buying big screen t.v.s or driving very expensive cars. This is a tough situation for everyone.
Nicole Marks Mason, Realtor