Hello, thanks for reading!

I am on disability for chronic migraines which are no longer responding to medications. This past year has been very difficult because of them, I have been out of work since 7/2/25 and missed work frequently prior to that. Despite PFMLA (which ran out at the beginning of October) I had fallen behind on several payments, as I hadn't received a full paycheck in about a year due to missed time. I have been able to catch up on most things due to family, friends, and one very helpful grant from the RAFT program here in Massachusetts, but I am having trouble with HOA fees (I own and live in a condo).

Living in Massachusetts I was able to receive a grant from the states RAFT program to get my mortgage back up to date. Unfortunately the RAFT program will only help with my HOA fees if a lien is put on the condo by the HOA first. The HOA board has refused and is sending me to collections instead. While I could wait it out to see if they will ever get it to the point of lien with whatever collection company they use, I would very much prefer it to be paid up instead, so there are no more worries.

I have an email with an invoice attached that I can show anyone who has questions of proof. I would say you could just pay them directly, but they only take checks, no electronic payments.

I am trying to get this all sorted as I apply for social security disability, as my income will be even less then.

Thank you for reading, and any suggestions as to grants or programs to apply to would be very welcome.