So... I got in a bind a few months back and fell 3 payments behind on my mortgage. I spoke with Wells Fargo and made payment arrangements to catch everything up within 6 months. I paid the arrangements on time for 3 months and, again, fell behind. To make a long story short, they started to foreclose. About 2 weeks ago I paid them the amount they demanded to stop the foreclosure, which also brought my mortgage payments almost current and 2 months ahead of schedule, had I stayed on the payment plan (as of this date I owe the September and October payments). At this time I was told that I will also have to pay around $1200 in fees, which I expected. I called today to make my September payment and their $1200 in fees over the phone and they refused to take my payment and will start foreclosing again unless I make BOTH Sep & Oct payments and FIVE THOUSAND DOLLARS in fees in FIVE days!!!! How is this legal? I have sold everything that can fetch a price just to catch up. There is no possible way I can come up with 5K in 5 days. If they start foreclosing again, will that be another 5K? Do they even want me to keep my home? I'm really trying to avoid retaining an attorney since I would be completely caught up if they would just take my payment, but I'm starting to feel like I don't have a choice! Any advice?