I know that your situation has been very difficult. Unfortunately, the lender has rights. Of those rights they need to be paid on time. If they are not paid on time they have the right to inspect the property to make certain it is in good condition and determine the value. If they are not paid on time they have the right to pursue a foreclosure and/or, perhaps, a law suit. From your description that is what they are currently doing.
I highly recommend that you meet with a very good foreclosure/real estate attorney in order to determine your rights.
My best to you.
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I agree with Ms. Drain. Your late payments more than likely triggered late charges and additional interest, which is why the December and January payments were sent back to you. The lender is not required to accept a payment that is short. You should probably reach out to an attorney ASAP. Do not wait until the day before the foreclosure to seek help. Best of luck to you!
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