"We're not aware of a single case so far of a substantive error"

ProPublica's Marian Wang puts together a tidy summary of reasons why people might be in foreclosure that undermine the infamous WSJ assertion that the foreclosure scandal is all a big misunderstanding.

I'm sure we've all heard about people with paid off homes getting foreclosed on, but Ms. Wang nicely summarizes a few other scenarios that grab less ink, but are just as ridiculous:

1) Homeowners were not in default but faced foreclosure.
2) Homeowners who were told that to be eligible for a loan modification, they needed to fall behind on their mortgage—and subsequently found themselves on the path to foreclosure.
3) Homeowners were behind on their mortgage but could have caught up if not for additional fees.
4) Mistaken foreclosures due to dual track of foreclosure and loan modification processing.
5) Foreclosures in which the bank can’t prove it has standing to foreclose.

Here's the full post.