I received a notice of default/intent to foreclose for 2 missed payments. I was 45 days late. I can pay the late payments but I have $5000 in late fees that I can’t afford right now. What options do I have? Do I try to negotiate with them to reinstate the mortgage by just paying the past due? This happened to me with Wells Fargo and they didn’t require the late fees to satisfy the default letter. The mortgage is with Specialized Loan Services.