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What constitutes a violation of the automatic stay?

Question Details: I filed a Chapter 13 almost 3 1/2 years ago; I made my last payment to the trustee last month. Recently I refinanced my home mortgage. During the process of gathering information for the refinance I received a payoff letter from the lender, a bank, that did not mention any legal fees. It merely stated the amount due on the loan. Today the bank refused the pay off fee stating that I owe $2,611.07 in legal fees from being transferred to the their bankruptcy department. I have never been late with them, never in the rears and this mortgage was not included in the bankruptcy. Is this legal? Is it a violation of the stay?

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