``... this Thursday a Superior Court Judge will determine and interpret how [SB-94] law should be applied. If the judge agrees with the California Bar's highly questionable take on SB-94 and how it applies to the civil code, homeowners in California will be left to fend for themselves when it comes to mortgages and fraud. Not to mention, they will be at the mercy of scam artists and scumbags bilking them for more money in return for more heartbreak.''

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