Again I have not read the entire opinion of Bank of America vs. Kuchta. My first blush gut reaction was to be somewhat discouraged, but this decision does not in any way signal the end of Home Owners Facing Foreclosure's ability to defend the action. It should signal thosecin litigation to seek professional assistance early. In many of the recent appellate decisions, the Courts are paying closercattntion to the finer points. Was the affidavit proper? Did the lender comply with the conditions precedent? In addition, I have noticed more Homeowners receiving better loan modifications regardless of the stage of the litigation. In addition, new guidelines regarding the prevention of a sale or proceeding to judgment while a loan modification is pending are being given more weight, at least by the Lenders. TrialmCourts were less almost hostile to a stay as a result of HAMP. The Magistrates would comment that HAMP only had guidelines bug no Federal Regulations. Being able to point to new fede regulations appears to have cauht the attention of the trial courts. do not be discouraged by the Kuchta decision. Yes, the financial industry will not be toppled by the gridlock causedby void foreclosures. Therecwill be no rrevolution. However, courts are beginning tk treat foreclosures as something more than a nuisance clogging the docket. In addition, banks are apparently growing weary of the fight. Banks are more apt to modify a loan than to draw an unreasonable line in the sand.