Newsletter: Recent Updates on California Foreclosure Laws
Dear Homeowners, As we enter 2024, several important changes have been made to California’s foreclosure laws that could impact you. Whether you’re currently facing foreclosure or looking to stay informed, it’s crucial to understand these recent developments. New Foreclosure Rules Focus on Protecting Homeowners California continues to be at the forefront of real estate law […]
Brentwood Real Estate Lawyer: Protecting Your Interests
When it comes to real estate, having a real estate lawyer can make a world of difference. From navigating complex legal issues to protecting your interests, a Brentwood real estate lawyer can provide invaluable guidance and support. In this blog, we will explore the services offered by Allison Cecchini Erggelet, Esq. of Ace California Law, […]
What Happens When Mortgage Servicers Fail to Assign a Single Point of Contact.
Section 2923.7 of California’s Homeowner Bill of Rights (HBOR) requires mortgage servicers to assign a single point of contact to borrowers in the foreclosure process. The stakes are particularly high when the property in question is one’s childhood home, a repository of memories and emotional significance. What occurs when mortgage servicers fail to adhere to […]
How to Access HOA Records: A Guide to California Civil Code § 5200
Homeowners who are part of a Homeowners Association (HOA) often find themselves seeking transparency and accountability from their board. Fortunately, California law has specific provisions empowering homeowners in this regard. In this article, we will focus on your right to access association records under California Civil Code § 5200, § 5205, and § 5210 of […]
Legal Considerations for Off-Market Real Estate Sales Without an Agent in California
Introduction The practice of buying or selling property directly between parties, without the involvement of a real estate agent, is not uncommon in California. While this approach can offer both the buyer and the seller potential savings on commission fees, it brings with it a set of legal considerations that both parties should be aware […]
A Deep Dive into California Civil Code Section 5660: Understanding Pre-Lien Notice Requirements
California Civil Code Section 5660 plays a pivotal role in regulating how homeowner associations (HOAs) handle delinquent assessments. Instituted in 2013, this legislation requires HOAs to follow strict guidelines before recording a lien on an owner’s separate interest to recover past due assessments. Failure to comply can expose HOAs to legal ramifications. This article aims […]
Dispute Resolution with Homeowners Associations: The Davis-Stirling Act Civil Code § 5930-5935
Disputes with Homeowners Associations (HOAs) can be complex. Understanding your rights under the Davis-Stirling Act Cal Civil Code § 5930-5935 can empower you to take the proper legal steps, including drafting a letter to your HOA to initiate dispute resolution or hiring an attorney. Key Provisions The Davis-Stirling Act lays out specific requirements for dispute […]
HOA Decision Making Behind Closed Doors: A Violation of Civil Code § 4910
Homeowners’ Associations (HOAs) are created to manage and govern common interest developments. They establish rules and guidelines to ensure the community functions harmoniously. However, it is vital that HOAs operate transparently and in accordance with the law. A hypothetical scenario below highlights the significance of abiding by California Civil Code Section 4910, which prohibits the […]
Failing to Hold Proper HOA Elections: A Violation of Civil Code § 5105
Homeowners’ Associations (HOAs) serve as vital components in community governance for condominiums, planned unit developments, and other common interest communities. The democratic process of electing board members is integral to HOA operations. California Civil Code § 5105, part of the Davis-Stirling Act, prescribes the rules for conducting proper HOA elections. Non-compliance can have serious legal […]
Stopping a Trustee’s Sale: The Importance of Proper Notification in a CA Non-Judicial Foreclosure
Imagine the following scenario: You are a homeowner in the Bay Area, California, and you’ve just received a notice of a Trustee’s Sale. The lender is pursuing a non-judicial foreclosure against your property. Panic sets in as you realize that your family’s home is at risk. However, as you delve into the situation, you discover […]
