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California Foreclosure Questions & Answers
1 Answer | Asked in Foreclosure, Probate and Real Estate Law for California on
Q: Can a court ordered receiver take a loan on a paid off house where the homeowners are both dead? And probate case opend

Our house is taken in Norwalk California under health and safety code violations to a receivership where the receiver pulled out equity loans cuz house was paid off for over 50 years myself my mom lived in the property as successors and errors we opened a probate case to protect them from taking us... View More

James L. Arrasmith
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answered on Nov 6, 2023

In California, a court-appointed receiver has the authority to take various actions concerning property under their control, which can include taking out loans against the property to pay for repairs or to maintain the property.

However, this power must be granted by the court order that...
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1 Answer | Asked in Foreclosure and Real Estate Law for California on
Q: When I purchased my home there was a fictitious trust deed wit a statue of limitations of 60 years it also gained intere

The realtor elementary the fictitious after two years and rewrote my note a trustee got paid $16000 there is a satisfaction deed and a reconveyance I was 25 years I was clueless as to what happened

James L. Arrasmith
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answered on Oct 23, 2023

Under California law, a fictitious deed of trust is typically used for the purpose of securing future advances or obligations under a line of credit. If the fictitious deed of trust was eliminated and the note was rewritten, it's essential to understand the terms and conditions of the new... View More

2 Answers | Asked in Estate Planning, Family Law, Foreclosure and Identity Theft for California on
Q: Why is this my name and I haven't did anything like this are been to court are even own a fire arm is this a joke

I never had a fire arm are been arrested for a fire arm

James L. Arrasmith
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answered on Oct 17, 2023

If you believe there's been an error or misidentification involving your name, it's essential to address it promptly. Errors in legal or official records can occur for various reasons, including clerical mistakes or mistaken identity. In California, you have the right to review and... View More

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3 Answers | Asked in Bankruptcy, Foreclosure and Real Estate Law for California on
Q: 2nd mortgage is included in bankruptcy and now the 2nd mortgage is apparently in foreclosure.

My family did a bankruptcy (chpt 7) in 2016 and our 2nd mortgage was included in that. We got a notice that the 2nd mortgage/lien was in foreclourse and was being auction off. Apparently, it was sold. We have NOT recieved anything from the new owners of the 2nd mortage/lien. We are getting a lot of... View More

James L. Arrasmith
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answered on Sep 14, 2023

Under California law, if your 2nd mortgage was included in the bankruptcy and there is no record of it on your credit report, it's possible that the debt was discharged in the bankruptcy process. If you haven't received any communication from the new owners of the 2nd mortgage/lien and... View More

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2 Answers | Asked in Estate Planning, Real Estate Law, Foreclosure and Probate for California on
Q: Can I sale a property in California as the executive of the estate?

Or do I have to go in the deed? It’s my grandfathers property it’s not contested

Julie King
Julie King
answered on Aug 15, 2023

The answer to your question depends on the type of powers you were given by the Probate Court. If you haven't yet been through the probate process and the deceased person had a Will (not a trust), you won't be able to do anything with the property until you are issued Letters by the... View More

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2 Answers | Asked in Foreclosure for California on
Q: Does a Notice of Default & Election To Sell Under Deed of Trust ever expire or become invalid in California?
T. Augustus Claus
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answered on Aug 14, 2023

A Notice of Default (NOD) and Election to Sell Under Deed of Trust can become invalid or expire in California under various situations. If the borrower pays the overdue amount before the NOD's expiration, the foreclosure process is stopped. Loan modifications, bankruptcy filings, lender... View More

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2 Answers | Asked in Foreclosure for California on
Q: Can I start judicial foreclosure in California for judgement lien if property was sold as a foreclosure quick claim deed

I received a judgement lien against a person (the loan I gave that person was not secured by property). That person owned a house at that moment when I received a judgement lien. Few months later that person passed away, and the house was foreclosed for $3,600,000 (non judicial foreclosure). Later... View More

James L. Arrasmith
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answered on Aug 5, 2023

In California, judgment liens typically survive a non-judicial foreclosure, and they attach to the debtor's property regardless of any subsequent foreclosure. However, their priority depends on when they were recorded in relation to other liens. To enforce your lien, you may need to initiate a... View More

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2 Answers | Asked in Civil Litigation, Foreclosure and Real Estate Law for California on
Q: Hi I am trying to sell home before it forecloses. I was informed by title company I has a judgement from 2007. Califor

I disputed it but it remains on title report. It’s been 30 days and nothing has happened and I’m told I still owe something I know nothing about

Gerald Barry Dorfman
Gerald Barry Dorfman
answered on Jul 22, 2023

If the title company won't give you a copy of the Abstract of Judgement, you will have to go to the County Recorder's office and get a copy. If you look at it and still don't know what it is about, then you will have to review the case file at the courthouse. If it truly is some... View More

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2 Answers | Asked in Foreclosure and Real Estate Law for California on
Q: I am in foreclosure but my bank will not accept the payoff.
Rod B. Tuazon
Rod B. Tuazon
answered on Jul 19, 2023

There are not enough facts in your question to provide you with a specific response. But assuming the property is in California and the foreclosure is non-judicial (trustee sale), which is common in the state, you have the right of redemption before a foreclosure sale. Your right to redeem ends... View More

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3 Answers | Asked in Foreclosure, Landlord - Tenant and Small Claims for California on
Q: Am I entitled to my portion of the money given to move out?

While living in a home that goes into foreclosure as a tenant with the home owner who also resides in the home we were given the “cash for keys” option. The owner had the parties residing here sign the agreement that when accepted gave the homes occupants (3in total) 15,000 dollars to aid in... View More

Maurice Mandel II
Maurice Mandel II
answered on Jul 12, 2023

It depends on the agreement that you signed, whether you are entitled to that money. I would think you are at least entitled to your statutory move out allowance of 30 day's rent if you were there more than 1 year. You should have contacted an attorney before signing any significant agreement,... View More

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1 Answer | Asked in Foreclosure, Real Estate Law and Probate for California on
Q: Can my brother legally sign a contract to sell (very cheap) our parents house before court approves executorship?

House is in preforclosure. For $5000. Called brother to ask for help paying(son was murdered 3/20/22, missed alot of workand trial starts in aug).instead he panicked and started probate. He says he signed a paper selling house app at 320,000 for $200.000. I've lost my son. My car,... View More

James L. Arrasmith
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answered on Jul 13, 2023

I am an attorney licensed in California, and I can provide some general information regarding your situation. It is important to consult with an attorney who specializes in probate law to address the specific details of your case. Generally, in the absence of court approval or a valid power of... View More

1 Answer | Asked in Foreclosure for California on
Q: can ccp 712.010 be used to get writ of sale in a judicial foreclosure action

can ccp 712.010 be used only in unlawful detainer actions

James L. Arrasmith
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answered on Jun 29, 2023

CCP Section 712.010 primarily pertains to obtaining writs of possession in unlawful detainer actions. It may not specifically apply to obtaining a writ of sale in a judicial foreclosure action. Consult with a real estate attorney or foreclosure specialist for guidance tailored to your situation, as... View More

1 Answer | Asked in Foreclosure for California on
Q: Can my condo association foreclose on my condo if I missed four assessment payments in 2022? I was just notified of this
James L. Arrasmith
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answered on Jun 27, 2023

Typically, a condo association has the right to initiate foreclosure proceedings if a homeowner fails to make assessment payments. However, the specific rules and procedures regarding foreclosure can vary based on your jurisdiction and the governing documents of your condo association. It's... View More

1 Answer | Asked in Real Estate Law, Foreclosure and Arbitration / Mediation Law for California on
Q: legally disabled and facing unjust assessment and now lien

This hoa started off saying we had needed dry rot repairs and it has morphed into a full-on remodel of various projects here. I'm disabled and on fixed income and cannot pay and now in danger of lien/ foreclosure. They are demanding 54 thousand dollars now. In addition to 765.00 hoa we pay per... View More

James L. Arrasmith
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answered on Jun 22, 2023

I'm sorry to hear about the difficult situation you're facing with your HOA. To address the unjust assessments and the potential for a lien or foreclosure, consider the following steps: Review your HOA documents to understand your rights. Communicate openly with your HOA, explaining your... View More

1 Answer | Asked in Banking and Foreclosure for California on
Q: Are there any laws pertaining to forclosures beginning in the state jurisdiction and closing in the federal jurisdiction

BOTW was purchased by BMO under the Department of Treasury. BOTW are stealing homes fraudulently over petty amounts and with little notice. I have evidence of criminal actions by BOTW. Neither bank is claiming liability for a potential RICO Case.

James L. Arrasmith
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answered on Jun 21, 2023

I'm sorry to hear about the difficulties you're facing with foreclosure proceedings and alleged criminal actions by BOTW in California. Laws regarding foreclosures can vary by state, including in California. It's important to consult with a real estate attorney who is knowledgeable... View More

2 Answers | Asked in Foreclosure, Civil Litigation and Collections for California on
Q: Can a third party collector foreclose on a home that was used for collateral on a loan, person is deceased that got loan

House was used for collateral when divorce agreement specifically said that person could not take out a loan using the house, he is also deceased now. Collectors threatening foreclosure

James L. Arrasmith
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answered on Jun 19, 2023

In California, if a person dies and they have a mortgage on their home, the mortgage company has the right to foreclose on the property if the mortgage is not paid. However, if the loan was taken out by someone other than the deceased person and the deceased person was not a co-signer on the loan,... View More

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1 Answer | Asked in Foreclosure and Real Estate Law for California on
Q: Our home is in foreclosure and we were finally able to get refi’d but the closing date is one week past the sale date

How can we postpone the sale date?

James L. Arrasmith
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answered on May 11, 2023

If your home is in foreclosure and you have successfully obtained a refinancing option, but the closing date falls one week after the scheduled sale date, there are a few steps you can consider taking to potentially postpone the sale:

1. Contact the lender: Reach out to your lender...
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1 Answer | Asked in Foreclosure, Real Estate Law and Estate Planning for California on
Q: Trustor of Deed of Trust has fraudulently deposited check noted “Last Note Payment” when they are delinquent 20 payments

I am the PR for my step dad’s long running Estate. The Estate holds a 20 year Note with Deed of Trust for small apartment and retail commercial property in CA. The previous PR (step dad’s older brother) allowed trustors to accumulate 20 delinquent payments over 19 years with only telephone... View More

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answered on Apr 5, 2023

In California, if the Trustor of a Deed of Trust has fraudulently deposited a check noted "Last Note Payment" when they are delinquent on 20 payments, this may constitute a violation of the terms of the Deed of Trust and the Trustor's obligations under California law.

As the...
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1 Answer | Asked in Foreclosure and Real Estate Law for California on
Q: My mortgage company will not work with me about bringing my mortgage current, and they never told me about the cares act

They already have a class auction lawsuit against them because they did not tell their customers about the cares act

James L. Arrasmith
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answered on Apr 5, 2023

If your mortgage company is refusing to work with you to bring your mortgage current and did not inform you about the CARES Act, you may have legal options to pursue.

Under the CARES Act, certain mortgage relief options were made available to homeowners affected by the COVID-19 pandemic,...
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1 Answer | Asked in Foreclosure, Real Estate Law and Landlord - Tenant for California on
Q: I have a rental agreement for the house I live in and found out that it is going up for auction what are my rights?

The home owner is telling me I have to leave and I need to know what my rights are as a tenant after the house sells at auction can I stay till my lease is up?

James L. Arrasmith
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answered on Apr 5, 2023

As a tenant in California, you have certain rights when the property you are renting is being sold at auction. If the property is sold at auction, the new owner will become your landlord and will be responsible for upholding your rental agreement. However, if the new owner intends to live in the... View More

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