Misapplied Mortgage Payments & Suspense Accounts

You paid. They misapplied it. Misapplied mortgage payments can raise balances, add late fees, and lead to wrongful foreclosure. Hire a mortgage lawyer to fix your mortgage company’s records and stop foreclosure.

A Maryland and DC foreclosure attorney can help you protect your home.
Contact us for a free consultation.

Common payment problems

  • Payments are split, shorted, or held in suspense instead of being applied
  • Extra principal payments are misapplied or ignored
  • Bi-weekly or off-schedule payments are not applied to the total monthly amount due
  • Payments are posted late, then you get hit with bogus fees or false delinquency
  • Monthly payments are misallocated between interest, principal, and escrow

Possible solutions

  • Challenge fees and penalties tied to misapplied funds
  • Dispute false credit reporting caused by servicer mistakes
  • Sue for damages under TILA, RESPA, and state laws
  • Stop the wrongful foreclosure that started because the servicer’s errors
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It’s your payment.

It’s their mistake.

Smiling family sitting together on their sofa, relieved after successfully resolving mortgage errors like misapplied payments.

You paid. They messed it up.

You made the payment. Maybe you even paid ahead. But when you checked your account, something didn’t add up. Now they’re saying you’re behind. Mortgage companies should apply your payments correctly. When they don’t, it can trigger late fees, default notices, and even foreclosure threats. The worst part? They often act like it’s your fault. You don’t have to accept that. If your mortgage payments were misapplied or your servicer can’t explain the numbers, we can help.

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How misapplied payments happen


It doesn’t take much. One payment split the wrong way. One extra check posted to the wrong line. One autopay hiccup, and suddenly your account is marked delinquent.

Sometimes, the mortgage company keeps your full payment in a suspense account. They don’t apply it to the loan right away. Other times, they credit it late, then slap on fees you don’t deserve. They might misapply a payoff. Or they might just get it wrong, month after month.

Charging fees based on their own mistakes is unfair and may violate the law.

What we do about it


We demand answers. We use federal laws like RESPA and TILA to get your full payment history—and hold the mortgage companies accountable for every error, delay, or shady fee.

We can help homeowners fix records, stop foreclosure, recover damages, and get their accounts back on track.

If you’re being told you’re behind, and you know you’re not, let’s talk. Because the longer you wait, the harder they push.