Defendant initially violated HBOR by refusing to consider plaintiff’s loan modification application because only his deceased wife was the borrower on the loan, but defendant cured its violation after suit was filed by canceling the pending foreclosure, accepting and review plaintiff’s loan modification application, and offering him a trial payment plan intended to lead to a loan modification. Thinking he could wangle a better deal, plaintiff didn’t make the first TPP payment by its due date. Although the parties continued talking about a revised loan modification, non-payment of the TPP released defendant from Civ. Code 2423.6’s stay on foreclosure proceedings while a loan modification application is under consideration. So defendant did not violate HBOR by thereafter foreclosing on plaintiff.