After falling behind on his mortgage, Hill has many phone calls with Chase, but is not offered a modification.
Chase files to pursue foreclosure on Hill’s house.
Chase refers Hill to a housing counselor. With her help, he applies again for a modification.
Chase sells Hill’s home at a foreclosure auction for $86,000.
The sheriff issues Hill a notice saying he’ll be evicted in one week.
Chase calls to tell Hill that he’s been approved for a trial modification.
Chase purchases the home back for $19,521 above the auction price.
Hill begins the trial modification.