No. 11-1423.

673 F.3d 547 (2012)

Lori WIGOD, Plaintiff-Appellant, v. WELLS FARGO BANK, N.A., Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided March 7, 2012.

Attorney(s) appearing for the Case

Steven Lezell Woodrow (argued), Attorney, Edelson McGuire, LLC, Chicago, IL, for Plaintiff-Appellant.

Irene C. Freidel (argued), Attorney K & L Gates LLP, Boston, MA, for Defendant-Appellee.

Before RIPPLE and HAMILTON, Circuit Judges, and MYERSCOUGH, District Judge.

HAMILTON, Circuit Judge.

We are asked in this appeal to determine whether Lori Wigod has stated claims under Illinois law against her home mortgage servicer for refusing to modify her loan pursuant to the federal Home Affordable Mortgage Program (HAMP). The U.S. Department of the Treasury implemented HAMP to help homeowners avoid foreclosure amidst the sharp decline in the nation's housing market in 2008. In 2009, Wells Fargo issued Wigod a four-month "trial" loan...

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