Unless otherwise provided in writing by the property owner at the time payment is made, a payment received by a property owners' association from the owner shall be applied to the owner's debt in the following order of priority:
(1) any delinquent assessment;
(2) any current assessment;
(3) any attorney's fees incurred by the association associated solely with assessments or any other charge that could provide the basis for foreclosure;
(4) any fines assessed by the association;
(5) any attorney's fees incurred by the association that are not subject to Subdivision (3); and
(6) any other amount owed to the association.