How can I avoid fees regarding paying my mortgage? Posted on March 05, 2011

I am behind on my mortgage and am attempting to get caught up by making multiple payments a month. I want to make the current payment and 2 past due payments each month. I was informed that all payments must be applied to the past due balance before any can be applied to the current. Is this true? I am attemting to stop the late fees by making the current payment with 2 past due payments.

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