Notice of Default? Notice of Sale? California law gives you powerful defenses. Challenge servicer violations, force loan modification review, and stop the trustee sale.
California's Homeowner Bill of Rights (HBOR) and federal RESPA rules give homeowners powerful weapons against mortgage servicers. Dual tracking, lost documents, single point of contact violations, wrongful fees—these aren't just annoyances. They're lawsuit-worthy violations that can stop foreclosure and win you damages.
Most homeowners don't know their rights. They accept the servicer's word that nothing can be done. That's wrong. If your servicer violated the rules, I can help you fight back.
CA Homeowner Bill of Rights RESPA Loss MitigationKnow your deadlines. Missing one can cost you your home.
To cure (reinstate) before Notice of Sale can be recorded
Minimum time between NOS recording and trustee sale
Servicer must evaluate complete application
To appeal loan modification denial
Calculate deadlines, check violations, and build your defense.
Enter NOD date, get all critical deadlines.
Quiz: Did your servicer break the law?
Estimate total to cure your default.
Every document you need to apply.
You have rights. Use them before it's too late:
Compliance matters. HBOR violations are expensive:
I handle emergency TROs, loan modification negotiations, HBOR violation claims, and wrongful foreclosure litigation throughout California. Time-sensitive work done right.