When Caitlyn Corso’s salary as a veterinary technician was cut last year, she couldn’t keep up with her mortgage payment. She fell into a pattern of making her $1,200 payment 30 days late. She asked for a loan modification from her mortgage servicer, Chase Home Finance. After a four-month cycle of 30-day-late payments, Corso said a Chase employee advised her to stop paying the mortgage on her Hilliard house as a condition to seal the loan-modification deal. Corso, 26, followed the directive in May. Chase filed for foreclosure in September.

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