California Passes the Foreclosure Protection Law

Sacramento, CA — After all the horror stories of people ending up being homeless and thrown into the streets because of wrongful foreclosures, California legislators have finally approved a bill that would stop abusive creditors, mortgage companies and banks from practicing their unlawful ways on unknowing homeowners.

As been previously reported nationwide, big banks such as Bank of America, JP Morgan Chase and Capitol One were all involved in a federal class lawsuit that ended with these banks forking up $25 billion in settlement for wrongful foreclosures after revelations about how these companies implemented “robo-signing” on their foreclosure documents. In “robo-signing” the documents of a property that is up for foreclosure is automatically signed by the creditor without review and without the homeowner’s knowledge. The unsuspecting homeowner ends up being evicted without due process and there were situations that the property should not have been foreclosed at all. Unfortunately, when the foreclosure process ends and the home is wrongfully foreclosed and sold to someone else; the homeowner still ends up homeless and cannot get back the property that was illegally taken.

Under the California Foreclosure Protection Law, the mortgage companies and/or banks will not be allowed to move forward with the foreclosure process while they are still in the negotiating process with the homeowners about modification of loans, this is known as “dual-tracking.”

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