What legal actions can an association take against an owner way behind on their dues?
The recorded "covenants, conditions and restrictions" recorded on your property set forth the rules and regulations governing your property and what powers the homeowner's association has as well.
Read these recorded documents in that they will set forth that legal actions the homeowner's association can take as to a property owner behind on his or her monthly dues.
In all likelihood the association can place a lien on a property owner's unit for unpaid due as well as to file a legal action for payment from recorded "covenants, conditions and restrictions" that I have seen in the past. Most likely a late fee for each monthly payment that is late is imposed as well as a finance charge.