In the Jackmon lawsuit, it's being argued by the plaintiffs that while they were in trouble with their mortgages, they didn't ignore the situation and
instead, entered into agreements with Wells Fargo, their lender, to lower their monthly mortgage payment for 3 months and if they successfully paid that amount on time each month, then according to Wells Fargo's own written correspondence they got a new deal: the bank wrote to each of them that if they were to ``... make those payments successfully and fulfill all the
trial period conditions, we will permanently modify your mortgage loan.»