I live in Arizona. I have a $23k HELOC loan that I defaulted on, and they have set a date of trustee sale auction on 7/31, for my house, which 1st mortgage is based on. The bank is willing to reinstate the loan if I pay about $1400 in past payments, but is also asking for another $1300 in trustee service fees. I asked the bank which law firm they are dealing with, was advised it wasn't a law firm, but another bank "Fidelity". Can the trustee service fees be that high compared to a small size of the loan? Is there certain limit on fees they can charge? Seemed like an excessive charge. I appreciate your reply!