The FTC says Countrywide charged homeowners who were in default excessive fees for services like lawn mowing, property inspections and other services that were meant to protect the value of the property in default.
If you get in contact with your bank early enough, there's several things that the bank would try to do to prevent the property from going into default and eventually foreclosure.
Banks have owned their branches and operational facilities, and prevailed in litigation permitting them to rent out surplus space and receive property pledged as collateral after a default.