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YOUNG v. WELLS FARGO BANK, N.A.

No. 12-1405.

717 F.3d 224 (2013)

Susan K. YOUNG, Plaintiff, Appellant, v. WELLS FARGO BANK, N.A. as Trustee for Option One Mortgage Loan Trust 2007-CP1, Asset Backed Certificates, Series 2007-CP1; American Home Mortgage Servicing, Inc., Defendants, Appellees.

United States Court of Appeals, First Circuit.

May 21, 2013.

Attorney(s) appearing for the Case

Anthony Alva , for appellant.

Marissa I. Delinks , with whom Maura K. McKelvey , and Hinshaw & Culbertson LLP were on brief, for appellees.

Before HOWARD, STAHL, and LIPEZ, Circuit Judges.

LIPEZ, Circuit Judge.

In an attempt to avert the foreclosure of her home, plaintiff Susan Young sought to modify the terms of her mortgage pursuant to the Home Affordable Modification Program ("HAMP"), a federal initiative that incentivizes lenders and loan servicers to offer loan modifications to eligible homeowners. When Young's efforts did not result in a permanent loan modification, she sued defendants Wells Fargo Bank, N.A. ("Wells Fargo") and American Home Mortgage...

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