Which brings up a question: can they even do that? That is, refuse to accept regular payments and then try to foreclose?My husband is has been a bankruptcy attorney for 14 years. I asked him the same question about whether the mortgage company can refuse to take payments and then try to foreclose. He said that if you fall behind in your mortgage payments, the mortgage company can, unfortunately, screw with you in all sorts of ways, which is why you should never fall behind in your mortgage payments.