OK, you want some explanation. You need to know before you even mention foreclosure. If the lender waited until just before the actual event, I would say a judge would say the lender was attempting to foreclose without court approval and would have communicated this to the borrower with notices. It would be a violation of SCRA, UDAP or both. And if this was a 3rd party, the FDCPA would apply as threats were made which could not be carried out.
If your borrower joined the Army the day before foreclosure, they would have been protected and the foreclosure could not proceed. Check the status as close to the sale time as you can. It was a repo, but look at California Auto Finance and the DOJ from 2018.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell