Sandra you are a part of the Home Owners Assn. You should go to the meeting that is held and bring up extending the payments for everyone. You may find that extending the payments may cost more because they may have had to get a loan to cover repairs.
Get involved in your HOA and know what is going on. There can be a lot of things that get approved because just a few of the regulars show up at the meetings.
Remember you are one of the people that allowed a 4000.00 special assesment either through voting for it or not attending the meeting to offer a different solution.