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Good afternoon. You can negotiate with the bank attorney, but you may need an attorney to handle the negotiations, they would give you better terms with an attorney.
Good evening. I have worked on cases similar to yours and a reduction in the $24,000 amount is possible, which saves interst you would pay to the bank over the 10, 15 or 20 years. It will be very hard to get the attorney to waive the legal fees though. A local attorney who has a real estate practice would be your best option. You should try and negotiate with him first, and then if he won't budge, consider the attorney.