Dual-tracking is the name given to a situation in which a lender offers a loan modification to a delinquent homeowner, while the lender's foreclosure department is continuing to foreclose on the homeowner's mortgage. Frequently, a homeowner is approved for, and signs, a loan modification agreement with the lender, only to find out days or weeks later that s/he lost the home in a foreclosure sale.

While states are attempting to put an end to this practice, more and more lawsuits are being filed against lenders guilty of dual tracking delinquent loans. We offer our expertise as consulting and testifying experts to attorneys who practice in that arena.