Ms. James applied for a loan modification after her work hours were reduced. She received a trial payment plan with payments that were higher than the mortgage she required assistance with. When she inquired why the payments were higher, the servicer claimed it included mortgage insurance, but Ms. James had always maintained her insurance separately and was current. The servicer directed her to re-apply but instead proceeded to foreclosure. The eviction case against Ms. James was dismissed and a nonprofit organization was able to purchase her home for her at market value. Ms. James now owns her home free and clear, without any mortgage lien.