Hello how may I help you? I have a late fee that i will not be able to pay May I have your name? Jennifer times Mrs Times, what is the reason that you cannot pay your late fees> It is $800 ,i just dont have that kind of money We could refinance so that your monthly payment is affordable to you, but we cannot simply erase your fees. I can't afford to pay anything at all, is there a way it can be erased? I'm afraid not. Can it be reduced then? I'm afraid I can't help you here. The only option is to refinance.