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"The median monthly payment reduction for borrowers enrolled in
the (HAMP) program is $522" - DSnews.com

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Scire Facias

Usually in a judicial foreclosure proceeding the lender is required to prove that the borrower is in default.  In Scire Facias it is the opposite, the borrower has to prove to the court that they are not delinquent but are in fact current.  After the lender files the case for foreclosure with the court, a writ to provide evidence is served to the borrower and they must explain their side in court within 20 days.  If the borrower is unable to prove that they are current the court will authorize the foreclosure sale.