Past Due Homeowners Association Fees

by Natacha
(Hialeah, Florida)

I have been trying to work with my home owner association to bring my past due current. I sent their atty a letter with posted dated checks. At the end of the letter I stated that if this was not acceptable to please contact me via phone or e-mail. They did neither. They cashed 2 of the checks that I sent so I thought that they had accepted my offer. Then I got a notice in the mail that they were going to start foreclosure proceedings. In that document they had the wrong amount of what I owed. I made them the same offer and they don't want to accept. I can prove that is all I can pay. What can I do? Will filing chapter 13 or 7 bankruptcy assist in this?