Do not stop making your mortgage payments. This will ruin your credit. The HOA does not go on your credit. A judgement will though. I am not an attny but, advise you to answer the documents that you get from them/court and get an attny to help and advise you. The worse thing you can do is not make your mortgage payments and not answer those documents (in my opinion). I have a couple of Real Estate Attny's that can help you out. Also, it depends on what stage the HOA is at with coming against you. Sometimes, the homwowner prevails from what I have heard.
Suarez Home & Finance Corp.