What if my mortgage company overcharges me? Mortgage companies are notorious for adding additional charges for all kinds of things, e.g., the mortgagee will bill for sheriff's charges and not give you credit for money they receive back from the sheriff when you file bankruptcy. Further, by filing a bankruptcy, your creditors, and even and especially, your mortgagee and car finance companies do not have the right to double charge, overcharge or charge without a reasonable explanation as to the amount in their proof of claim. A "proof of claim" is the document filed by a creditor stating what they believe you owe. As a matter of fact, it is very often wrong. There is a way to handle any objection to any amount claimed from the debtor in bankruptcy. It is called an Objection or an Objection to Proof of Claim and it can be filed for any claim.