I had a deferment on my home loan in 2003 and now my fin. company is increasing my min. monthly payment by 50.00 to cover attorney fees and legal cost due to the deferment. Can they do this 5 yrs later, and cant they add that to the end of my loan instead of increasing my monthly payment. I am on a 30 fixed int. loan. I can not afford the extra 50.00 a month and have tried to make my usual min. monthly payment for the month of Fe. and the fin. company has refused it. What directions should I turn to now? Thanks for any feedback!