Make Homeowners Bill of Rights retroactive

More than one million California homes were lost to foreclosure between 2008 and 2011—with an additional 700,000 currently in the foreclosure pipeline. Seven of the nation’s ten hardest-hit cities by foreclosure rate in 2011 were in California. Most of these homes were lost due to loan modification fraud committed by the banks. The law that allows the Homeowners to seek redress against the banks for loan modification fraud does not go into effect until January 1, 2013.  Governor Brown and Attorney General Harris must make the laws retroactive to 2008 in order to help the homeowners who had their house unjustly foreclosed on by the bank.  This will allow homeowners that have been defrauded between 2008-2011 have a chance at having the banks make them whole again.



  • Jose R. Carnero My wife and I are Pro Se Ligitants that have sue the National Default System Corporation ("NDSC") for illegal foreclosure based on California Homeowners Bill of Rights ("CAHOBOR"). However, today we have gotten the order from the Superior court of Santa Clara County of California dismissing NDSC based on that CAHOBOR is not retroactive although in the link bullet 10 clear mentions that this bill is not limited for vintage 2003-2007 residential mortgage loans. Is this article wrong? and Glaski case was not considered since it is the minority of cases.

    Awaiting your response

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