The most important thing is to open a dialog with the individual who is tasked with working out payment plans. Some advanced collection agencies even have debtor facing portals where they give you the options to choose the length of your payment plan so that you do not have to talk to a customer representative. The main thing is to get up and sort this matter out as soon as possible before the association gets desperate and begins a foreclosure on your property. Don't be shy -- protect your home by getting this done right away.