In 2004, I fell behind in my mortgage 3 month. At the time, I had 4.5 years until pay off. Foreclosure was started. To avoid foreclosure, I had to get caught up and pay legal fees to the bank. This was $2800 covering 4 payments and $2000 dollars in fees. I did that and avoided foreclosure. As a result, $100 a month was added to my payments and an additional 16 payments were added. By rough calculations, that's about$15,000. Does that seem reasonable or legal? If not, how should I proceed?