The plaintiff in this case is the owner of the property located in Montana where the plaintiff has lived with her family for many years. The defendant seeks to foreclose on the property allegedly without legitimate basis. It is alleged that the default that triggered the notice of the trustee’s sale and the sale date came as the result of defendant’s intentional misconduct or institutional incompetence. The plaintiff claims that she has paid her mortgage in full, and has submitted all the paperwork requested by defendant throughout the course of the loan repayment period. Plaintiff paid her mortgage in full every month until, for reasons that remain unexplained, the defendant refused to accept plaintiff’s payments. It is this refusal to accept plaintiff’s payments which placed plaintiff in the alleged default. The plaintiff and her family now face the prospect of losing their home to foreclosure.