No, there is no law that an attorney be present for a refinancing or mortgage generally. The bank does not have to provide an attorney for their side (they are free to do this withouta lawyer); and while you certainly had the right to hire your own lawyer to be present, if you chose not to, that is not the bank's responsibilty and does not affect its right to foreclose for non-payment. Based on what you write, if you could not make the payments, foreclosure was proper.