Anabeht and Armando Velasco were among the many families in Los Angeles facing foreclosure because of their bank’s systematic disregard of federally-backed loan modification agreements and repeated attempts to foreclose on the homes of compliant borrowers. Their case underscored a widespread and pernicious practice whereby banks enter into loan modification agreements with eligible homeowners while continuing to move forward with foreclosures, even as homeowners make timely payments to save their homes.

NLSLA sued the Velasco’s bank, protecting the family’s home and shining a light on the unlawful and devastating dual tracking practice. The case eventually led to meaningful reforms.