There will always be a reasonableness standard with regard to attorney fees. A judge can, in his or her discretion, limit the amount of attorney fees if he/she feels the amount is unconscionable or not reasonable with regard to the work performed. That said, if the attorney can justify the amount charged by verifiable work performed it will go a long way to establishing that what was charged was reasonable. section K of the Note where it reads: "Costs and Expenses. To the fullest extent allowed by applicable law, Borrower shall pay: (a) all expenses and costs, including Attorneys' Fees and Costs incurred by Lender or any Loan Servicer as a result of any default under this Note or in connection with efforts to collect any amount due under this Note, or to enforce the provisions of any of the other Loan Documents (whether or not any lawsuit or other proceeding is instituted), including those incurred in post-judgment collection efforts and in any bankruptcy proceeding (including any action for relief from the automatic stay of any bankruptcy proceeding) or judicial or non-judicial foreclosure proceeding; and (b) all expenses and costs, including Attorneys' Fees and Costs, incurred by Lender or any Loan Servicer in connection with the servicing of the Loan, including without limitation responding to requests from Borrower, and expenses and costs incurred in connection with potential defaults or other legal questions regarding the Loan. You can see that our Note currently obligates the borrower to pay for all expenses and costs, including attorney fees, associated with collection efforts to collect any amounts due under the Note. I would direct her here and see if they language suffices for her needs. Section G.1 of the Note addressed late fees that can be assessed and they can modify that % to be what they want it to be: "If any installment of interest or principal and interest or other amount payable under this Note, the Loan Agreement, the Mortgage or any other Loan Document is not received in full by Lender within fifteen (15) days after the installment or other amount is due (unless applicable law requires a longer period of time before a late charge may be imposed, in which event such longer period shall be substituted), Borrower shall pay to Lender, immediately and without demand by Lender, a late charge equal to ten percent (10%) of such installment, or other amount due, or $10.00, whichever is greater (unless applicable law requires a lesser amount be charged, in which event such lesser amount shall be substituted)."