Using the California Homeowner Bill of Rights to Fight Foreclosure - Mandelman Matters

``If the borrower and/or their attorneys stick to the rules outlined in the California Homeowner Bill of Rights, servicers will perhaps never be able to complete a foreclosure sale... simply by the borrower starting the process of a simple modification request.  The borrower may request a modification of their loan in any manner such as by phone, in person or by written request at any time during the foreclosure process. ''