Avila v. PHH Mortgage Corp. CA5
-ooOoo- The California Homeowner Bill of Rights (HBOR) (Civ. Code, § 2923.4 et seq.)1 is “a complex set of enactments focused specifically on residential mortgages and passed as a legislative response to the ongoing mortgage foreclosure crisis in 2012.” (Morris v. JPMorgan Chase Bank, N.A. (2022) 78 Cal.App.5th 279, 295; see Stats. 2012, ch. 87, § 1, subd. (a).) The statutory scheme is “designed to promote good faith negotiation of
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