Foreclosure Changes In The California Homeowner Bill of Rights (“HBOR”)

On January 1, 2018, certain provisions of the HBOR expired. However, the expiration date did not apply to all of the HBOR’s provisions and many provisions have been replaced by new regulations. We’ve prepared the below summary of some of the substantial changes to the law and how they will affect HBOR litigation in the …

Explaining HBOR’s requirement of a Single Point of Contact

California Civil Code §2923.7, which is part of the set of laws commonly referred to as the Homeowner Bill of Rights (“HBOR”), requires that a loan servicer assign a Single Point of Contact (“SPOC”) to a borrower.  While this may seem clear in the abstract, actually applying this requirement in the real world is a …

© 2022 Katchko, Vitiello & Karikomi, PC all rights reserved.