Tom and Patrice Sherhag's foreclosure began with a missed quarterly HOA payment of $75 in October. The assessment due to the Palmetto Pines Homeowners Association in unincorporated Boca Raton grew to $318 by the end of November, a charge that by then included a $25 late fee, a $35 "processing fee," 18 percent interest and $175 in attorneys' fees. In January, the association filed a lien for the original $75 on the Sherhags' home and despite subsequent checks written for hundreds of dollars, snowballing court and attorneys costs have since upped the final bill to an estimated $4,605. The actual debt owed the association: $80.25.