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Is it illegal to foreclosure on a home during a loan modification?

YES! It is illegal to foreclosure on a home during a loan modification in California. Under the California Homeowner Bill of Rights, a lender is required to stop the foreclosure process when the borrower is under review for a loan modification. This violation is called “dual tracking”. It is best to talk to an experienced attorney if your lender is moving forward with a foreclosure or sending you notices threatening to move forward with foreclosure while you are in the process of applying for a loan modification.

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