Hello,

I live in New York State and back in 2012-13 I had gone through the foreclosure process but was able to pay back up and currently reside at the same residence. After paying $11,540 and four years I assumed I was in the clear. When looking into a home improvement loan through the same bank, not three days later I received a hardship request from the bank to pay $6,342 in fees from the foreclosure, four years later.

Now, I must say, that I did receive the occasional late notice  (15 Day) after getting out of foreclosure which would say I owed $6k or $7k. I would call and ask and they wouldn't know how or what it was and it would be removed, and be gone for sometime. Some of the 15 day notices would have it and some would not, from 2013-now.

My main complaint is that I never received a bill from the bank about the lawyer fees? Also, since reviewing all of my records and the banks records I have found, what I consider, major discrepancies and keying errors on their part.

What are my rights and what do I do? They have never sent this sum to collections and has apparently just been sitting there not being pursued!?

Today they did send me a copy of the bill the lawyer sent the bank, but I'm still waiting on the copy the bank originally mailed me to be forwarded to me.

Any suggestions please!