I am 2 months behind on a commercial mortgage. I received a letter from the bank calling in the loan in 30 days. Is that legal

You need to have the loan documents reviewed immediately by a lawyer who is experienced in commercial lending. The promissory note or the commercial loan agreement probably contains the language will determine the answer. Make sure that the lawyer does not have a conflict of interest with the lender before beginning to discuss your personal business. The goal would be to develop a strategy for becoming current that your lender is willing to accept under the circumstances. This may not be possible unless you and your lawyer can devise a strategy to slow down the process. CLT