Open Question: What should i do?

I made a mortgage loan payment after the due date which the bank charged me a $50.00 late fee. That is cool. I expected it. They claimed I skipped a payment because I went past 30 days between payments. They wanted a double payment at which I couldn't swing. The late fee rose up to $150.00 a month and now is up to $254.00 a month. My payment is $500.00 a month. I paid them $1000.00 in July to bring my payment up to date and to meet my monthly mortgage payment requirement for July. However, I did not pay the late fee in full. Many banks will tack on the fees to the end of the balance. My bank is not and is charging me $254.00 late fee on top of a late fee. Is this legal? Are there limits to what they can charge? One late fee has grown to $550.00 for the month which is more than my regular mortgage loan payment. This makes it impossible to catch up. I tried to work with my bank, but the right hand does not know what the left is doing. Any suggestions? This is maddening! Help!

Open Question: What should i do?

me and my wife are not getting along very well these days because she spends too much money for spa and for other fancy things to make her look beautiful which i dont like at all.And before our marriage i used to get involved in many charities to help poor children from africa and asia .before our marriage i somehow forced her to sign a prenup after a big drama in which it states whatever she makes its hers and whatever i make its mine even after marriage in case if we get seperated .now we have a 2 year old daughter.for the past six months she dint share any of her salary for our mortgages and she is spending all her money and she asks for more from me ,well i make 5 to 6 times more than her annually .the real problem is i cant donate much money for the past 6 months which i used to donate.and i have to save for my daughter as well and i dont believe in divorce coz my daughter needs her mom and now she dont want me to donate at all what should i do andif i dont give her moneyshe cries

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