I am concerned that the payments that I 'm making are n't being applied to my loan appropriately. I have just come out of a bankruptcy that was dismissed in XX/XX/2015 and I 'm no longer attached to the debt. However during the bankruptcy i 'm told I was charged late fees, I was billed for a corporate advance fee ( to have a sun trust rep come out and look at the home ) I ca n't confirm that any of this took place. There were no documents to sign, no appointments. While in the bankruptcy I was denied a plan ... when I sent notice to the my bankruptcy atty and copied documents from the office of attorney general for fraudulent acts by lenders.. I received an approval for assistance thru the loss mitigation stating they would allow me a XXXX repayment plan. I was denied forbearance because I was n't unemployed. The regular collections dept would not set up a payment arrangement with me on the XXXX balance set up by someone within SunTrust but there is no way I owe XXXX. It 's the fees they 've attached and the billed me for the months I had already paid .So why include that in a payment plan. No one has a consistent balance. I have correspondence showing that I only owe XXXX but actually less because I had made a payment after the balance was given. so it 's one month behind with XXXX late fee charge. The lender will not look at the suspense and calculate. Nor do I believe they are thoroughly appropriating the Preservation process. XXXX department does n't know what the other is doing. I believe the process should be done by a third party because it 's not seeming to balance out. I have never been XXXX behind on my mortgage and never 3 months behind. I have contacted HUD and the Attorney Generals Office again. Please help me 
