Analysis of the problem$($s$)-$ The answer should demonstrate your ability to answer the question and correctly identify the issues of law presented. The answer should demonstrate your ability to articulate, classify, and answer the problem presented. A broad general statement of law indicates an inability to single out an issue and apply the law to its solution.

Knowledge $-$ The answer should demonstrate your knowledge of the rules and principles and your ability to state them accurately as they relate to the issue presented by the question. The principles and rules governing the issues presented by the question should be stated concisely and succinctly without undue elaboration.

Application and Reasoning $-$ The answer should demonstrate your capacity to reason logically by applying the appropriate rule or principle of law to the facts of the question as a step in reaching a conclusion. This involves making a correct preliminary determination as to which of the facts given in the question are important and which, if any, are irrelevant insofar as the applicable rule or principle is concerned. The line of reasoning adopted by you should be clear and consistent, without gaps or digressions.

Style $-$ The answer should be written in a clear, concise expository style with attention to organization and conformity with grammatical rules.

Conclusion $-$ If the question calls for a specific conclusion or result, the conclusion should clearly appear at the end of the answer, stated concisely without undue elaboration or equivocation. An answer which consists entirely of conclusions, unsupported by statements or discussion of the rules or reasoning on which they are based, is entitled to little credit.

Suggestions:

Do not anticipate trick questions or attempt to read in hidden meanings or facts not clearly expressed by the questions.

Read and analyze the question carefully before commencing your answer.

Think through to your conclusion before writing your opinion.

When the question is sufficiently answered, stop.

Ms Lucy Johnson obtained a mortgage from Scotiabank $($Bahamas$)$ Ltd$.("$Scotiabank$")$ on July $8,2017,$ the principal amount of $$240,000$ at $6\mathrm{.}5\%$ interest for a twenty$-$five year term, for the purchase of a $3$ bedroom, $3$ bathroom house in Colony Village Subdivision. At the time, Ms Johnson had been a Croupier at Atlantis Bahamas for more than twelve years. Ms Johnson had made her mortgage payments faithfully and consistently until March $30,2020,$ the month she was placed on furlough by her employer. It is now February $2022,$ and Scotiabank has not been able to establish contact with Ms Johnson in over $18$ months, and the last payment of record was March $30,2020.$

$(1)$ What legal remedies $($upon what bases$)$ are available to Scotiabank; and how can these legal remedies be exercised?

$(2)$ Are there any provisions of the Homeowner Protection Bill that Scotiabank should be aware of before exercising any remedies?