I skimmed the article & came away very flummoxed by the entire process.  I understand that this man might have had an illness that caused him to become confused & not know enough to respond immediately to Wells Fargo when this first started.  What I don't understand is the notion that the Judge was going to find in their favor, when it was their mistake - not his - with what appears to be gross incompetence on their part in continuing on with a foreclosure due to their own ineptitude. 

I have a friend who's either getting a loan mod or being foreclosed on by Wells Fargo & it is a complete nightmare.  Her parents are on the note, but not the mortgage or the deed & the originator at WF keeps insisting that they record a deed from them to her & her husband.  They can't tell her why they want this done - just that they  do want it done.  When she, quite correctly, refused they closed her loan mod & started a foreclosure.

Local banks/Credit Unions are the BEST!!