The company will have no obligation to pay its New York port fees.

FORBES: Collateral Damage

Unless otherwise noted, the listed fees are just for a plan, with no further obligation upon you.

FORBES: A Plan To Get A Planner

Lawyers say this makes it possible for the government to seize their fees if the client has a tax lien or other obligation.

WSJ: Federal Asset Seizures and Forfeitures Rise; 'Equitable Sharing' Grows

Probably not under current laws, which, while they to some degree limit fees and prepayment penalties to prevent gouging, don't impose any fiduciary obligation of the lender to the borrower.

FORBES: The Mortgage Nanny