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'We have a broken process,' says Katherine Porter, a University of California-Irvine law professor who is monitoring the settlement for the state of California.

Foreclosing on Loan Mod Seekers: Mortgage Monitor Looks for Fix

Ambiguous language in the 2012 national mortgage settlement has caused widespread confusion about the legality of foreclosing on delinquent borrowers who have filed paperwork on mortgage modifications.

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