payment amount, if the borrower qualifies. (E) Treatment of junior liens With respect to a borrower, if a primary mortgage loan is modified pursuant to this paragraph, the servicer of any junior mortgage loan shall offer to modify or extinguish the second lien according to requirements established by the Bureau. (F) Rule of construction Nothing in this subsection shall be construed as prohibiting a servicer from providing a loan modification that does not produce a positive net present value (as defined under subparagraph (D)(ii)(IV)(bb)). (7) Bar to foreclosure In any judicial or nonjudicial foreclosure proceeding, it shall be a bar to foreclosure that the servicer of the federally related mortgage loan on the property to be foreclosed violated any provision of this subsection. (o) Mortgage Servicer Ombudsman (1) In general The Director of the Bureau shall appoint a Mortgage Servicer Ombudsman (the Ombudsman ) within the Bureau. (2) Duties The Ombudsman shall provide assistance to servicers and borrowers in complying with Federal law with respect to the servicing of mortgage loans and offer resolution to borrowers who are facing noncompliance. (3) Focus on low-Income borrowers In carrying out this subsection, the Ombudsman shall focus on providing assistance to low-income borrowers. (4) Consultation The Ombudsman shall consult with— (A) attorneys general of States in carrying out this section