NEW ORLEANS - A federal judge in Texas' ruling awarding summary judgment to Wells Fargo Bank N.A. in a woman's wrongful foreclosure lawsuit was affirmed Aug. 7 by a Fifth Circuit U.S. Court of Appeals panel, which found that the lender was not precluded from foreclosing on the plaintiff's property because a loan modification offer it provided her had expired (Pamela Richardson v. Wells Fargo Bank N.A., et al., No. 12-10920, 5th Cir.; 2013 U.S. App. LEXIS 16445).