When The Trial Mod Causes The Default

I am encountering a relatively new issue with loan mods. Banks are putting people into trial mods. Some homeowners were current at the time but facing an imminent default. Many months pass. Then the bank sues to foreclose based on a default alleging that the payment by the homeowner of reduced payments under the trial mod are a default because the loan is now delinquent. Client calls me for help. I am not making this up.