To be honest, I have never seen a bank forgive these fees because they feel it is whet your owe, they are debt collectors and that is past due debt. Please keep in mind that often they are collecting for an investor and they would face serious lawsuits if they just wiped clean these fess for many homeowners.
I addition, this is where the bank profits come in and have you ever heard of a bank turning away a method to make money? Not so much
