Legal Question in Real Estate Law in Illinois

If you bought in a subdivision that was subject to governance by a homeowners' association, then you were generally on notice that you could be impacted by future decisions made for the homeowners collectively. Provided the decision was made at a proper meeting at which a quorum was present and the decision falls within the scope of the law and recorded documents, you are likely bound. To be more certain, an attorney in your area would need to review documents such as the Declaration, By-laws, minutes from board meetings, etc. If you do owe, then it would serve you well to try to work out a way to pay the default. The association may prefer a resolution to everything that goes with taking temporary possession, which is what I assume they are seeking.