Interest and penalties-home mortgage

I am inquiring on behalf of a friend of mine. He and his wife have a 15 year loan on their house. The monthly payment is $1140. His wife has been paying $500 on the 15th of the month and the rest was taken out of her husband's retirement at the end of the month (He retired from this bank). What she was not aware of was that the payments were supposed to be made in two equal halves per month, so she was underpaying the first payment. Suddenly they got a registered letter stating that they had been delinquent in their payments for some extended time period (I don't know the exact number) and that unless they paid over $6000 dollars in penalties and interest, the bank was going to foreclose on their house. They had one month to do this. Fortunately, I heard of their plight and was able to loan them a few hundred dollars that, along with their savings, they were able to pay the amount demanded.

They contacted a local attorney and she said that the one month's notice was consistent with the bank's regulations, but admitted that she was new to this kind of problem.

It seems to me that it should not be permitted for a bank to let penalties and interest to pile up like this without any notice. I urged them to try to find an attorney that specializes in this sort of situation.

I have three questions:
Do you think that they have any chance of getting their money back?
Where could I find any applicable regulations or statutes?
How could we locate an attorney who could help us?

TIA, Brady

I forgot to mention that this is in the state of WVa.

Brady

Any local real estate lawyer could review this for you.

It indeed does seem the bank should have notified them of any alleged default, and in fact their agreement may have required that.

Thanks for the response. I recommended to them to try to find a lawyer who specializes in these matters.

Brady