``In 2010, Ms. Plumb contacted Citimortgage to request a loan modification and was led to believe she was being put into a government sponsored HAMP loan modification program and began making modification payments. After several months, Citimortgage refused her payments. While Citimortgage assured Ms. Plumb they were not pursuing foreclosure of the property, attorneys for Citimortgage, Orlans Associates began foreclosure proceedings. Citimortgage told Ms. Plumb to ignore the letters from Orlans.''

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