The Second Appellate District affirmed a judgment in part and reversed in part. The court held that a residential borrower stated a claim for promissory estoppel where she alleged that a bank enforceably promised to work with her in reinstating and modifying her loan, she relied on the promise by foregoing bankruptcy protection under chapter 13, and the bank subsequently breached its promise by foreclosing.

Claudia Aceves obtained a loan secured by a deed of trust on her home. The note and deed of trust were transferred to U.S. Bank, N.A.