“Judge ignores all contract law, including statute of frauds, to find a way to keep the market from operating. Must be a rat.”
I am not sure about contract law in this situation. It seems that both parties were looking for advantage. The gullible home owner was duped by the bank. The bank’s tactics were clearly underhanded although I am not sure if the practices were illegal. She was trying to gain leverage by filing Chapter 13. It is easy to take her side because she is an individual against a large corporation. I see this case as a battle between the note holder and home occupier.
None of us can be really sure without reviewing the documents and facts , but I am pretty sure of one thing. If the home buyer had made his payments as agreed there would not have been a foreclosure.