My first mortage was recently sold from BoA to Greentree. With BoA I incurred lates charges and other fees because of one missed payment. It appears that Greentree is also trying to recoup these late charges as well. Greentree has sent papers saying they have our loan etc. But they never sent out anything showing the exact amount for the lates fees and other charges we incurred with BoA. Also if we decide to go through the whole foreclosure process how will that affect our second mortage that is with someone else?