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I received a notice of default/intent to foreclose for 2 missed payments. I was 45 days late. I can pay the late payments but I have $5000 in late fees that I can’t afford right now. What options do I have? Do I try to negotiate with them to reinstate the mortgage by just paying the past due...

I live in Maine. The statue of limitations in Maine is 6 years so I’ve passed this. Citi is no longer sending statements and they are still the services as far as I know. I want to keep the house and live here for another 10 years or so but I don’t have the money to negotiate or pay. Thanks.

My last payment was in 2013. The mortgage was charged off but I haven't heard from Citi at all or no debt collectors. My house is still underwater so this could be the reasoning. But what happens next? Can they still collect or foreclose on it once it has equity? Or will the lien just stay...