As soon as my friend entered into loan modification, he received notice that the bank had started foreclosure proceedings. In California, as of January 1, taking a dual course of action is illegal. Logically, this would mean any clock that started "ticking" would be stopped (as in a time out) until the loan modification was completed, at which time, if unapproved, it would start ticking again. Is this how it works? If not, I think the legislators need to add this provision to the new law.