We owe 3 months worth of HOA on our home that was foreclosed. Our past due account has been forwarded to collection agency, who is asking for 3 times the amount of what we owe, which includes collection fees. I told them I was willing to pay for the actual amount of what we owe plus late fees, but they won't allow it. Now they are threatening to take my case to court and collect for legal fees, and garnish our wages. What is the best thing to do?