In this task, you will be shown a prompt from a judicial decision and multiple holding statements derived from citations following text in a legal decision. Holdings represent the governing legal rule when the law is applied to a particular set of facts. There are five answer choices for each citing text. The correct answer is the holding statement that corresponds to the citing text. You should write an incorrect option. Even though there exist multiple wrong answers, we only need a single wrong answer. There is a <HOLDING> token in the position of the citing text prompt where the holding statement was extracted.

Q: to foreclosure for mortgagors who are in default before initiating foreclosure proceedings pursuant to the National Housing Act, specifically 12 U.S.C. 1701-x(c)(5) (effective July 30, 2008), and pursuant to regulations promulgated by the Department of Housing and Urban Development. The Walkers contend that they were never offered counseling services or any other loss-mitigation services before the foreclosure sale. Although the record does not contain evidence indicating that the Walkers were provided counseling or other loss-mitigation services before foreclosure, this court has determined that any alleged failure to comply with loss-mitigation procedures does not constitute a valid defense to an ejectment action following a nonjudicial foreclosure. See Coleman, 104 So.3d at 206 (<HOLDING>). Thus, the alleged failure to exhaust all
Holding statements: (A) holding that a department of defense report was inadmissible (B) holding that because the department of revenue is subordinate to the board of tax review in the decision making process the department is not an adversely affected or aggrieved party having standing to petition for judicial review of the boards order reversing a decision of the department (C) holding that a failure to comply with the foreclosure statutes invalidates a foreclosure sale (D) holding that in the absence of a statute or controlling authority from our supreme court to the contrary we conclude that the failure of a foreclosing entity to comply with department of housing and urban development or department of veterans affairs lossmitigation requirements may not be raised as a defense to an ejectment action following a nonjudicial foreclosure (E) holding nonparty department of mental health had standing to appeal commitment order regarding person found not guilty by reason of insanity because department had direct interest that was affected by commitment order and because employees of the department conceivably could be held in contempt of court for failing to comply with the order

A: holding that a department of defense report was inadmissible
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Q: 188 (Bkrtcy.S.D.Ohio E.D.1981); In re Davis, 16 B.R. 473 (D.Kan.1981). Or after a judgment has been entered: In re Young, 22 B.R. 620 (Bkrtcy.N.D.Ill.E.D.1982); In re Breuer, 4 B.R. 499, 6 B.C.D. 136 (Bkrtcy.S.D.N.Y.1980). (5)Courts that hold that a debtor may cure a default where a foreclosure sale has been held provided that the debtor's right of redemption under state law has not expired: In re Johnson, 29 B.R. 104 (Bkrtcy.S.D.Fla.1983); In re Chambers, 27 B.R. 687 (Bkrtcy.S.D.Fla.1983); In re Taylor, 21 B.R. 179 (Bkrtcy.W.D.Mo.1982); In re Thompson, 17 B.R. 748 (Bkrtcy.W.D.Mich.1982). 32 B.R. at 790. To the fourth group we add the following recent opinions by the Fifth and Seventh Circuits: Grubbs v. Houston First American Savings Association, 730 F.2d 236 (5th Cir.1984) (en banc) (<HOLDING>); Matter of Clark, 738 F.2d 869 (7th Cir.1984)
Holding statements: (A) holding debtor could cure default partly because the bank held a recourse loan and therefore could recover against the original borrower personally (B) holding that the debtor had the right to cure the default because the foreclosure sale was not complete under state law until it was confirmed by a court (C) holding debtor could cure after the debtor had previously made payments to the bank (D) holding that a debtor may cure a default after acceleration but expressing no limit on the right (E) holding debtor could include property because the bank accepted payments directly from the debtor and had previously allowed the debtor to cure default

A: holding debtor could cure default partly because the bank held a recourse loan and therefore could recover against the original borrower personally
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Q: whether Lamb unreasonably failed to avail herself of her employer's remedies against sexual harassment. The City argues that Lamb was unreasonable in tailing to report what she perceived to be Peterson's harassing remarks until months after they were actually made. The City also contends that Lamb failed to cooperate fully during the City's investigation following her July 11 grievance. However, Lamb indicated that she did not report Peterson's behavior immediately because she did not wish to cause trouble when she was relatively new to her job. Lamb Aff., 6. The Fifth Circuit has clarified that delay in reporting alone is not per se an "unreasonable failure" to take care. Watts, 170 F.3d at 510-11. But see Scrivner v. Socorro Independent School District, 169 F.3d 969 (5th Cir.1999) (<HOLDING>). In addition, while Lamb was perhaps not as
Holding statements: (A) holding that plaintiffs legal malpractice claim was not ripe until the appeal had been exhausted because plaintiffs harm remained speculative until then (B) holding unreasonable plaintiffs failure to complain from the summer of 1995 until march 1996 (C) holding that definition in iowa code chapter 321 1995 was expressly confined to that chapter and did not apply to iowa code section 36412 1995 (D) holding similar allegations supported that the plaintiffs negligence claim did not accrue until plaintiffs loan payments exceeded his ability to pay (E) holding the 1995 amendment to section 5601c removed all rights to appeal from a section 5402 ruling

A:
holding that plaintiffs legal malpractice claim was not ripe until the appeal had been exhausted because plaintiffs harm remained speculative until then
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