can a mortgage not accept your payments when you are sending the late charges with the payment if it is a few days past the due date

UPDATED: May 25, 2009

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can a mortgage not accept your payments when you are sending the late charges with the payment if it is a few days past the due date

i am in a chapter 13 were i send my mortgage payments seperate. i have making these payments some were a few days past the due date, but each payment i make sure and send the late fee amount. can the mortgage company stop refusing my payment even though i am sending my late fee and foreclose on my home

Asked on May 25, 2009 under Bankruptcy Law, South Carolina


MD, Member, California Bar / FreeAdvice Contributing Attorney

Answered 13 years ago | Contributor

Yup, the mortgage company can refuse to accept your payments.  This isn't a friend, wherein things may slide.   A company has serious business and you made a contractual agreement with this company.  In fact, the mortgage company can now simply refuse your payments, force you to pay with money orders or cashiers checks or other limits.

Think about a possible modification -- maybe that will help you lower your payments. 

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