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What are our rights as to what can be requested in proving up the amounts that the lender states are still owed?
I would like to assist with your question, but I have to know what specific information you are seeking now. You have two problems: 1) the, huge attorney fees; and 2) the application of your payments to P&I. I would need a great deal more information from you, as well as personal contact in order to evaluate your situation.
We are not a law firm. This is a legal information service only. You offered a certain sum for an acceptable answer and that is what I will try to deliver. I can also offer additional services in the form of a telephone consultation. None of out charges are close to regular legal hourly rates. I can tell you initially that the size of the attorney fees charged in what appears to be a mortgage foreclosure seem excessive to me as an attorney with more than 35 years of foreclosure experience. The balance due question is usually pure accounting. mistakes can be made, where payments are not properly credited. Someone must audit the lender's account statement. I hope that this is helpful. I can tell you much more if you wish to accept additional services.