Foreclosure and late charges

[PATTYKAY]

What is the name of your state?What is the name of your state? NY

To prevent forclosure of being 4 payments behind I was to make a payment by 6/17/05. It included the 4 payments plus fees of $570.78. That included lawyers fees and reinstating. I also sent in the full payment plus May and June to bring me up to date. When I went to make the July payment they told me I owed for June. The June payment was $224.22 short. Now they tell me the fees were now $795.00. I told them I was not billed for the extra fee of $224.22 at the time of the initial bill.I feel they intentionally made my June payment late. I sent the July payment in on time. I called them today and they received my payment applied part of it for June and sent me another forclosure noticethreat. They want by 8/8/05 the 224.22 plus $95.00 late charge.
I was not late to begin with. They tell me my payments have to be 60 days late before a forclosure notice threat is sent.They will not send me a itemized satement of what the $795.00 was for. They said lawyers fees and reinstatement fee of $90. What is the percentage a mortgage co. can charge for late fees by law? I'm trying to get back on track after my husband was out of work for 2 years and a bankruptcy. He's working now and paying on time but CitiFinancial Mortgage Co. is killing us in intentionally making us late and adding outragous late charges so we will default. The August payment is also due on 8/8/05. Can they legally do this? Please advise. Were getting back on our feet but they are sure trying to knocking us right off them and take our house.