In cases of default and/or foreclosure home owners need to pay special attention to any pay off or reinstatement figures that the bank provides. A close look at the figures will usually reveal overcharges and bogus fees. One needs to remember that services are paid much more when a loan is in default than when the borrower is making timely payments. Scrutinize every charge when viewing these statements. In many cases the servicer will be unable to explain what the questionable charge is when pressed for an answer.