Vivian Choi, a vulnerable and unsophisticated adult with learning difficulties, sought to set aside an order in foreclosure proceedings regarding her condominium. Her brother, Jackson Choi, had been acting on her behalf but may have had conflicting interests. The court considered the timing of the application and the need for investigation. There were concerns about the Mortgage transaction, including irregular transfers to Jackson Choi and no evidence that Vivian had received the loan proceeds. Mr. Liu, the petitioner, did not respond adequately. The court concluded that the order should be set aside and the matter was referred to trial.