Mandelman Responds to SF Chronicle Article: Fighting Banks and Winning -- How Homeowners Did it

``All that Brad and Joan Zetterlund wanted was to refinance the mortgage on the home they had owned for 16 years. Instead, they ended up having their Pleasanton four-bedroom Colonial sold in a foreclosure auction at the courthouse steps, even though they had plenty of equity and the means to make their monthly payments. After months of fighting and pleading with their bank, the couple were able to have the foreclosure rescinded earlier this year.''