. c/o KCC Class Action Services LLC dba Shellpoint Mortgage Servicing." Br. The lawsuit alleges that Shellpointforced borrowers to purchase unnecessary expensive hazard, flood, or wind-only insurance. The case involves an argument that the bank did not follow proper procedures when approving the loan. that reports on class action lawsuits, class action settlements, 08-12-2021 . IN RE: CLAIRE DEES, Debtor. Estimated Amount: 8.875 percent refund of premiums charged by . Shellpoint Mortgage Servicing. The cases are dismissed, with prejudice. LPI, or lender-placed insurance, is hazard, flood, or wind insurance placed on a borrowers property to protect the value of the property when the borrowers own policy lapses or when the borrower does not maintain adequate insurance. the following is a press release from the Massachusetts Attorney General's office submitted to SOURCE media. According to the lawsuit, the defendants conducted on February 24, 2020 a void foreclosure sale on the plaintiffs property, with the deed ending up with defendant Freddie Mac. 5:2019cv01486 - Document 18 (W.D. If Plaintiffs wish to file an amended complaint, they must do so no later than August 26, 2019. THE MOSKOWITZ LAW FIRM PLLC, Nerds, Runts, Spree Class Action Says Candy Contains Artificial Flavors, Causes of Cerebellar Atrophy Linked to Long-Term Use of Dilantin, Allianz Class Action Says Travel Insurance Policies Are Bogus. document.getElementById( "ak_js_5" ).setAttribute( "value", ( new Date() ).getTime() ); @2023 Top Class Actions. Shellpoint Mortgage Servicing Equifax Information Services, LLC NewRez, LLC, New to ClassAction.org? February 7, 2023 @osullivanc. Class Action Database. Terms and Conditions. Instead, the company will settle the claims to avoid the costs and risks of continuing litigation through a trial. The complaint alleged that Shellpoint placed LPI policies in a manner that allowed it to receive kickbacks, or unauthorized benefits, from Overby-Seawell Company, causing the rates for the policies to be excessive. The final approval hearing for the settlement is scheduled for Sept. 13, 2019. Shellpoint Mortgage Servicing, LLC (5:19-cv-00292), California Central District Court, Filed: 02/15/2019 - PacerMonitor Mobile Federal and Bankruptcy Court PACER Dockets . Since there is no applicable law that specifies the termination of the right to reinstate, and there is no entry of judgment enforcing the mortgage, the plaintiffs right to reinstate and avoid foreclosure expired five days before the foreclosure sale, the suit says. 866-579-5212. They can often cut through the red tape and give you the best chance for approval. Much of the 2019 complaint was the same as the second amended . Tex. The lawsuit, filed on October 19, 2020 in Massachusetts Superior Court, was removed to the states federal court on January 25, 2021. You can sort the listing three waysactions or settlements that are (1) open to claims, (2) pending or (3) closedor use the calendar to search for upcoming claims deadlines. Yes, you can still make your Shellpoint Mortgage payment the old-fashioned way - regular mail. Please contact the claims administrator if you have any questions. According to the suit, the defendants contract breaches have also voided foreclosure auctions, sales and deeds pursuant to proposed class members mortgages. shellpoint-mortgage-servicing-facing-fdcpa-class-action i-am-in-the-middle-of-a-lawsuit-i-filed-against-shellpoint-mortgage-20150809679700.html classaction-lawsuit-201709161101727.html A 2 star rating on Yelp with horrible reviews! . of Resp't (Peak) at 8 n.1. Cant get insured doctors recent fire in my area . Later, Ditech Financial, LLC was given servicing rights for the mortgage. 2:21-cv-2062. Posted on Aug 6, 2015. Wells Fargo had the second most complaints in May at 82, followed by Freedom Mortgage Company (66), Ocwen Financial Corporation (66) and Nationstar Mortgage (64). Last Updated on January 27, 2021 4:57 PM. Shellpoint has not admitted any wrongdoing by settling the insurance kickback class action lawsuit against them. Shellpoint, upon receiving the plaintiffs dispute, failed to conduct a reasonable investigation into the matter and continued to report false and inaccurate account information on the mans credit report, the lawsuit alleges. Ditech did not object to that plan and the court confirmed Abats plan on August 27. Here are some addresses you should have handy: Correspondence Address. drug injury lawsuits and product liability lawsuits. On August 3 of that year, Abat filed a Modified Chapter 13 Plan. New Rez owns my loan not Shellpoint. This rating has decreased by -12% over the last 12 months. New cases and investigations, settlement deadlines, and news straight to your inbox. Borrowers who paid for residential LPI between March 1, 2014 and April 4, 2019 may be eligible to receive back 8.875% of the Claim deadline is Tuesday, 12 . SUMMERSVILLE - A Birch River woman claims that her payments on a mortgage loan were rejected illegally and she was threatened with legal action despite being on-time with her . This website is not intended for viewing or usage by European Union citizens. Fill out this form for a FREE and prompt case evaluation. c/o KCC Class Action Services LLC. Remember: you are submitting your claimunder penalty of perjury. Lender placed insurance policies are supplementary policies secured by a lender when a homeowners insurance lapses or fails to provide sufficient coverage. 2.0. The Bank and Shellpoint now move to dismiss the Bondyopadhyays's lawsuit under Rule 12(c), arguing that their complaint is frivolous and that . Shellpoint Mortgage Lender Placed Insurance Class Action Settlement, Social Security Disability application & appeal claim review, Abbott baby formula recall lawsuit investigation, Essential: Remember your cookie permission setting, Essential: Gather information you input into a contact forms, newsletter and other forms across all pages, Essential: Keep track of what you input in a shopping cart, Essential: Authenticate that you are logged into your user account, Essential: Remember language version you selected, Functionality: Remember social media settings, Functionality: Remember selected region and country, Analytics: Keep track of your visited pages and interaction taken, Analytics: Keep track about your location and region based on your IP number, Analytics: Keep track of the time spent on each page, Analytics: Increase the data quality of the statistics functions, Advertising: Tailor information and advertising to your interests based on e.g. The deadline for exclusion and objection is Aug. 14, 2019. Decide which cookies you want to allow. status of any class action settlement claim. Shellpoint is a third party collection company. document.getElementById( "ak_js_2" ).setAttribute( "value", ( new Date() ).getTime() ); document.getElementById( "ak_js_3" ).setAttribute( "value", ( new Date() ).getTime() ); document.getElementById( "ak_js_4" ).setAttribute( "value", ( new Date() ).getTime() ); Please note: Top Class Actions is not a settlement Claim deadline: Tuesday, 12 . It keeps getting sent back to it and yet I never get anything back. Mar 30, 2019. Privacy Policy | According to the 16-page lawsuit out of New Jersey district court, Equifax prepared and issued for the plaintiff at least one credit report that included inaccurate information with regard to a debt owed to Shellpoint Mortgage. Plaintiff Eileen M. Abat took out a mortgage on February 21, 2013 with Quicken Loans in order to buy an apartment in Chicago, Illinois. The lawsuit claims the plaintiff disputed the accuracy of the Shellpoint information in his Equifax credit report in early November 2019, informing the latter that the debt was too old to be included and therefore was either listed in error or was illegally re-aged in order to look current. On 11/13/2019 NEWREZ LLC FKA NEW PENN FINANCIAL LLC DBA SHELLPOINT MORTGAGE SERVICING, ET VIR filed a Property - Foreclosure lawsuit against BRITTNEY N BALL.This case was filed in Volusia County Circuit Courts, Volusia County Courthouse Deland located in Volusia, Florida. Shellpoint can not collect on my mortgage loan. Paragraph 22 of the mortgage contract states that the mortgagee, prior to acceleration and foreclosure, is required to be sent by the defendants a default notice . This website relates to a proposed Settlement of a lawsuit (the "Lawsuit") filed against NewRez LLC d/b/a Shellpoint Mortgage Servicing ("Shellpoint"). Read the complaint here. c/o KCC Class Action Services LLC This browser does not support PDFs. Shellpoint Mortgage Servicing Federal Home Loan Mortgage Corporation NewRez, LLC, New to ClassAction.org? It sent her a second letter just three days later, again trying to collect the debt. The complaint for this class action claims that Shellpoint Mortgage Servicing ignored a bankruptcy plan that included a property it believed it was servicing. My employment at Shellpoint was the worst experience I have had in my 20 years. The plaintiff has a pre-settlement hearing where he or she must prove the . Click Change Settings if you want to tailor the use of your cookies. your claim status, claim form or questions about when payments are You can change these settings at any time. v. CLAIRE DEES and MARK H. DEES, Respondents. Foreclosure professionals working at Shellpoint Mortgage Servicing have rated their employer with 3.3 out of 5 stars in 19 Glassdoor reviews. When it comes to mortgage servicers, Shellpoint Mortgage Servicing, which was acquired by New Residential Investment Corp (NewRez) in 2019, has a terrible reputation among homeowners. Many lender placed insurance policies provide hazard, flood, or wind insurance coverage. Newrez LLC D/B/A Shellpoint Mortgage Servicing Filing 18 Newrez LLC D/B/A Shellpoint Mortgage Servicing, No. 69%. 866-579-5212, Adam Moskowitz Most Recent. The complaint states, "A number of plaintiffs have received letters from their banks notifying them that they are liable for violations of the provisions of the Loan Insurance Guarantee Act of 1994.". Chong v. New Penn Financial LLC d/b/a Shellpoint Mortgage Servicing, Case No. A Shellpoint mortgage lawsuit is a lawsuit that was filed against an individual for violating the FHA's Loan Insurance Guarantee Act. The plaintiff behind the 28-page complaint alleges the default and right-to-cure notices he and proposed class members received from New Rez/Shellpoint are invalid and resulted in void foreclosures. After it was informed of the supposedly inaccurate information by the plaintiff, Equifax notified Shellpoint of the mans dispute, the lawsuit says. Therefore, the default/right to cure letters assertion that the [plaintiff] could pay the total past due amount before a foreclosure sale takes place to avoid foreclosure is potentially misleading and deceptive because the letter omits the conditions of paragraph 19 of the mortgage, the lawsuit summarizes. Later that year, on December 17, New Penn Financial, LLC, doing business as Shellpoint Mortgage Servicing, acquired the rights to service her mortgage. Shellpoint Mortgage Servicing, No. According to LinkedIn their primary address is: 75 Beattie Place Suite 300 Greenville, SC 29601, US. July 2019 Complaints Against Shellpoint Mortgage - extended August 2019 Complaints Against Shellpoint Mortgage September 2019 Complaints Against Shellpoint Mortgage Contact Information. NOTE:If you do not qualify for this settlement do NOT file a claim. P.O. This lawsuit attaches as exhibits letters from Shellpoint Mortgage (NewRez) expressly refusing to comply with California Military and Veterans Code 800. Attorney C. Charles Townsend for Shellpoint Mortgage Servicing and U.S. Bank, NA . . For information on deleting the cookies, please consult your browsers help function. Who's Eligible: Consumers who were charged for a lender placed insurance policy by Shellpoint on or after March 1, 2014 and who paid all or a portion of the premium for that policy between March 1, 2014 and April 4, 2019. The settlement benefits consumers who were charged for a lender placed insurance policy by Shellpoint on or after March 1, 2014 and who paid all or a portion of the premium for that policy between March 1, 2014 and April 4, 2019. Boston A national mortgage servicing company will pay $2 million and undertake affordable loan modifications for affected Massachusetts homeowners, Attorney General Maura Healey announced today. Failure to file an amended complaint by that date will result in dismissal . A class action claims New Rez/Shellpoint and Freddie Mac sent to Mass. 183 reviews. Class Period: March 1, 2014 to April 4, 2019, Final Approval Hearing: September 13, 2019. In 2018, Shellpoint Mortgage Servicing was accused of violating Massachusetts state law by failing to take necessary measures to help their customers avoid . Before commenting, please review our comment policy. Shellpoint then did in fact start attempting to collect from the deployed servicemember the full amounts each month of principal plus interest, which resulted in Shellpoint falsely claiming . Around July 26, 2019, the plaintiff received from New Rez/Shellpoint a form default/right-to-cure letter that stated, in part, that the homeowner could still avoid foreclosure by paying the total past due amount before a foreclosure sale takes place . Shellpoint Mortgage's main phone number is 1-800-365-7107. You are not eligible if your LPI policy was cancelled in its entirety and any premiums charged or collected were fully refunded to you or your escrow account or if you have a final foreclosure judgment foreclosing on the Shellpoint loan. Read complaints against Shellpoint Mortgage submitted to the Consumer Financial Protection Bureau, 2022 FairShake. Read more here: Camp Lejeune Lawsuit Claims. Check the Department of Housing and Urban Development's website for non-profit organizations in your area which will assist you with your modification. Terrible service. Shellpoint Mortgage Servicing (Forced-Placed Insurance) . The case looks to represent all homeowners or former homeowners who were sent default/right-to-cure letters by New Rez/Shellpoint that stated or implied that the homeowners could pay the total past due amount before a foreclosure sale takes place to avoid foreclosure and omitted the five-day-prior-to-sale reinstatement conditions outlined in their mortgage, as well as the date by which the default may be cured. Debt collectors may also not attempt to collect debts that have been settled via a bankruptcy. It goes against your prior ruling from greentree, ditech, conceco. This is attached to the complaint as Exhibit B. Under federal law, this invokes an automatic stay that forbids any act to collect, assess, or recover a claim against the debtor that arose before the commencement of a bankruptcy case. 9:18-cv-80948-RLR, in the U.S. District Court for the Southern District of Florida, Chong v. Shellpoint Settlement Administrator Ive no had insurance except that of nstionstar . They charged me $3,998 for $400,000 of Hazard Placed Insurance on a $120,000 house. mortgage borrowers default/right-to-cure notices containing misleading statements. Learn more about the cookies we use. Please provide any additional information about your inquiry. P.O. Consumers who were charged for a lender placed insurance policy by Shellpoint on or after March 1, 2014 and who paid all or a portion of the premium for that policy between March 1, 2014 and April 4, 2019. Box 10826 Greenville, SC 29603-0826 Main Office NMLS ID #1105391 Top Class 27) were mailed via regular US Mail on 11/5/19 to: Cortenaye Moten , 4927 Laramie Lane, Kansas City, MO 64129. . If you dont qualify for this settlement, check out our database of otheropen class action settlementsyou may be eligible for. Because the 2018 and 2019 mortgage assignments discussed above are void, Fannie Mae lacks the legal standing required by Maine law to complete the foreclosure action. You must contact the Read our Newswire Disclaimer. Can't seem to get their act together in getting online account set up. Shellpoint Mortgage Servicing P.O. Find more than 550 complaints| Ripoff Report. Louisville, KY 40233-4041. KCC Class Action Services, LLC. You are also harming other eligible Class Members by submitting a fraudulent claim. Read more here: Camp Lejeune Lawsuit Claims. Shellpoint Mortgage Servicing is one of America's "Top 5" non-bank servicers of residential mortgage loans, and over 2,500 employees work out of our offices in Greenville, SC; Houston, TX . Case No. Shellpoint Mortgage Servicing has agreed to a settlement that will resolve claims that they accepted illegal kickbacks for lender placed insurance policies. 8 calls in and still no resolution to the issue. On 04/10/2019 BOUAYAD filed an Other lawsuit against NEWREZ LLC. Box 404041 Your email address will not be published. All Rights Reserved. Top Class Actions is a legal news source The letter is attached to the complaint as Exhibit A. The micromanagement is unbelievable as well as the expectations set for the employees. add me please they did the same with the 2 dollar nuggets on the value menu..up charge of 50 cent if you dont notice.. done at the Springfield Massachutes McDonalds liberty st McDonalds and the state st McDonalds. Please see what other class action settlements you might qualify We use cookies to improve functionality and performance, enhance user experience, and provide tailored content. In some cases, this can result in borrowers paying more for a policy than they would have if the lender was not influenced by a kickback. 8.875 percent refund of premiums charged by Shellpoint under a lender placed insurance policy. The complaint quotes an earlier legal case as saying, A demand for immediate payment while a debtor is in bankruptcy is false in the sense that it asserts that money is due, although, because of the automatic stay or the discharge injunction it is not.. the content you have visited before, Advertising: Gather personally identifiable information such as name and location, Advertising: Use information for tailored advertising with third parties, Advertising: Allow you to connect to social sites, Advertising: Identify device you are using. ClassAction.org is a group of online professionals (designers, developers and writers) with years of experience in the legal industry. The complaint claims that Shellpoint violated the Fair Debt Collection Practices Act (FDCPA). The plaintiff was granted the deed to his Pepperell, Massachusetts property in August 1995 and was secured a mortgage loan of a little more than $96,000 in June 2003, the lawsuit says. Cash or account credit of 8.875% of the LPI net premium charged to you by Shellpoint during the class period. Box 10826 Greenville, SC 29603-0826 Main Office NMLS ID #1105391 . Repair Your Reputation The Right Way Corporate Advocacy Program Equifax, the case further claims, did not evaluate or consider any of the information, claims or evidence presented by the plaintiff, and allegedly made no attempt to substantially reasonably verify that the negatively reported information under dispute was inaccurate. Please provide any additional information about your inquiry. You can also . Fill out this form for a FREE and prompt case evaluation. . The Judge overseeing this case is Kathryn Weston. So only have lender place insurance to cover their investment and its below the value of my home. In May 2017, the plaintiffs mortgage was assigned to Nationstar Mortgage, and in October 2018 it was reassigned to New Rez/Shellpoint, the suit states. In July 2018, plaintiff Dorothy Kerr Checa Chong filed a class action lawsuit against Shellpoint Mortgage Servicing . Debt collectors may also not attempt to collect debts . (Case No. . As previously announced, New Residential will purchase Ditech's forward Fannie Mae, Ginnie Mae and non-agency mortgage servicing rights ("MSRs"), with an aggregate unpaid principal balance of approximately $62 billion as of August 31, 2019, the servicer advance receivables relating to such MSRs and other assets core to the forward . Last Updated on November 15, 2019 10:09 AM. Louisville, KY 40233-4041 General Payment Address. ClassAction.org is a group of online professionals (designers, developers and writers) with years of experience in the legal industry. My loan was bought from nationstar by Shellpoint. Attempt to Collect Debt Discharged in Bankruptcy. Louisville, KY 40233-4041 According to court documents, the claim submission deadline has passed. This settlement will provide $500,000 to pay individuals that are part of the Settlement Class. PO Box 10826. I demand my title sent to me immediately. A shellpoint mortgage lawsuit is a legal case in which the plaintiff's bank settles for a financial loss. No. Equifax and Shellpoint Mortgage Servicing face a class action that claims the companies have illegally reported a time-barred debt on a consumer's credit report. . Paragraph 22 of the mortgage contract states that the mortgagee, prior to acceleration and foreclosure, is required to be sent by the defendants a default notice that includes information on the plaintiffs right to reinstate after acceleration, according to the case. Shellpoint Mortgage Servicing will provide Massachusetts homeowners with $3.5 million in principal reductions as part of a settlement with the state for allegedly violating Massachusetts . The class for this action is all natural persons living in the US who (a) between January 31, 2018 and the pendency of this case, (b) received correspondence containing language identical to that in the collection letters sent to the plaintiff in this case (c) in order to collect a consumer debt (d) during a pending Chapter 7 or Chapter 13 bankruptcy (d) in which the consumers were surrendering the collateral for the debt. Lenders pay the premiums on these policies and then charge borrowers for the premium payments along with mortgage payments. By Mail. If youre unsure if you qualify, pleaseread the FAQ section of the Settlement Administrators website to ensure you meet all standards (Top Class Actions is nota Settlement Administrator). Open Settlements SHELLPOINT MORTGAGE SERVICING, Defendant MEMORANDUM AND OPINION . The settlement benefits consumers who were charged for a lender placed insurance policy by Shellpoint on or after March 1, 2014 and who paid all or a portion of the premium for that policy between March 1, 2014 and April 4, 2019. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Top Class Actions is a Proud Member of the American Bar Association, Various Trademarks held by their respective owners. . Claim Forms can be submitted online or through the mail. There are no fees for the services of these groups. Article Type: Lawsuit Topic: Consumer. Filed Washington State Court of Appeals Division Two April 13, 2021 . When individuals or companies are in bankruptcy, the law protects them from attempts to collect on debts that were undertaken before the bankruptcy case. The lawsuit alleges that Shellpointforced borrowers to purchase unnecessary expensive hazard, flood, or wind-only insurance. In 2022, Newrez, doing business as Shellpoint Mortgage Servicing . Tags: Forced Placed Insurance, Kickbacks, Mortgage-Related Unfair Practices. This amount will be paid in a cash award or credit to a consumers account, depending on whether or not the Class Member still owes premiums to Shellpoint. You may be eligible if you are a borrower in the US who, between March 1, 2014 and April 4, 2019, were charged by Shellpoint for a hazard, flood, or wind LPI procured by Overby-Seawell Company, and who (a) paid Shellpoint the net premium for the policy, (b) did not pay Shellpoint the net premium and still owe it. Shellpoint Mortgage Servicing (Forced-Placed Insurance) . This field is for validation purposes and should be left unchanged. In order to receive compensation from the settlement, Class Members are required to submit a valid claim form by Nov. 12, 2019. Read our Newswire Disclaimer. Moreover, the default/right-to-cure letter received by the plaintiff violates Massachusetts law in that it failed to inform the homeowner that the right to reinstate expires five days before a foreclosure sale, the complaint claims. A Settlement has been reached subject to Court approval in a class action lawsuit against NewRez LLC d/b/a Shellpoint Mortgage Servicing ("Shellpoint"), pending in the U.S. District Court for the Eastern District of Pennsylvania as Dutcher v. NewRez LLC d/b/a Shellpoint Mortgage Servicing, No. Box 404041. 2020) Court Description: ORDER GRANTING 6 Motion to Dismiss Signed by Judge Jason K. Pulliam. New Penn to become NewRez in 2019. They have violmy cease and dissect order 7 times now. Claim Form: Shellpoint Mortgage Servicing LPI Settlement Claim Form, Case Name: Shellpoint Mortgage Servicing Wrongful Foreclosure Lawsuit to Stop Eviction BERNARDSTON As the auctioneers announced the sale of 73-year-old Bob McCollum's home, his cat, Fluffy, came out for the action. If you have a mortgage loan being serviced by Shellpoint Mortgage Servicing and you have a pending foreclosure . Visit Website. The Bondyopadhyays sued foreclosure counsel in January 2019, again alleging mortgage fraud. 2020) Court Description: MEMORANDUM AND OPINION - Granting 18 MOTION to Dismiss. Box 404041 Gordon tried without success to correct the account, repeatedly explaining that he and Stella had been through bankruptcy and had been paying the mortgage on time ever since. The lawsuit alleges violations of the Fair Credit Reporting Act (FCRA), which, among other provisions, governs the responsibilities of credit reporters and furnishers of credit reports with regard to reasonably investigating disputed consumer information. Please download the PDF to view it: Download PDF. *** BOSTON - Massachusetts Attorney General Maura Healey has joined a $86.3 million multistate settlement with national mortgage servicer Nationstar Mortgage LLC and 50 attorneys general and other federal and state agencies that will provide nearly $2 million of dollars in relief to . Consumer Action maintains this listing of notable class actions so that interested consumers can learn more, join a pending action or make a claim. The settlement will provide 8.875 percent of the premium charged to consumers. Shellpoint Partners could not be reached for comment. Claims Administrator Contact Information: Chong v. Shellpoint Settlement Administrator. By submitting your comment and contact information, you agree to receive marketing emails from Top Class Actions regarding this and/or similar lawsuits or settlements, and/or to be contacted by an attorney or law firm to discuss the details of your potential case at no charge to you if you qualify. About five years after the purchase, on May 21, 2018, Abat filed for Chapter 13 bankruptcy. Borrowers who paid for residential LPI between March 1, 2014 and April 4, 2019 may be eligible to receive back 8.875% of the premium. directory! The plaintiff claims the erroneous information on his credit report has hurt his creditworthiness and credit score. Before commenting, please review our comment policy. . Attorneys at Bradley Arant Boult Cummings on Tuesday removed a mortgage foreclosure lawsuit against Newrez d//b/a Shellpoint Mortgage Servicing to Georgia Northern . They made my payments increase from $981/mo. This field is for validation purposes and should be left unchanged. 866-579-5212. In July 2018, plaintiff Dorothy Kerr Checa Chong filed a class action lawsuit against Shellpoint Mortgage Servicing claiming that the lender accepted illegal kickbacks from insurance companies. Overall, the defendants failure to properly describe the plaintiffs right to reinstate after acceleration and the date by which the default may be cured amounts to a breach of contract, the suit says. (800) 365-7107. Camp Lejeune residents now have the opportunity to claim compensation for harm suffered from contaminated water. The settlement resolves allegations that Caliber Homes Loans Inc. (Caliber) failed to help borrowers avoid foreclosure and instead gave homeowners unaffordable loan modifications with ballooning .

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