Yes I agree the Homeowners Bill of Rights is the biggest crock of sh** ever. What a joke. There was no need to change existing foreclosure rules that were in place for 100 yrs in CA:
1. You miss 2 payments you get a notice of default
2. You miss another 3 you get a notice of trustee sale
3. Another 21 days pass and your houses gets auctioned.

WTF that ever had to change is beyond me. You don’t make your payments should get booted out of the freaking house!!! Very simple concept that did not need to change!