U.S. Bank Trust National Ass'n v. Bell

U.S. Bank Trust National Association (Bank) appeals the decision of the master-in-equity denying Bank’s request for foreclosure. Bank further appeals the order restructuring the loan given to Delores and Clifford E. Bell (the Bells). We reverse and remand.

FACTS

In 2001, Bank commenced a foreclosure action against the Bells’ property, resulting in a judgment of foreclosure dated July 17, 2002. On August 2, 2002, the day before the scheduled foreclosure sale, the Bells called Chase Home Finance, LLC (Chase), the servicing agent for Bank, and spoke with Anita Gaines (now known as Anita Stokes).…