Tidwell

BACKGROUND

The relevant facts as alleged in the operative second amended complaint (complaint) are as follows. In 2005, Tidwell obtained a residential loan from Argent Mortgage Company, LLC (Argent), secured by a deed of trust (deed) encumbering certain real property. The trustee was identified as Town and Country Title Services, Inc. On October 16, 2006, a notice of default was recorded by Cal-Western Reconveyance Corporation (Cal-Western), stating Tidwell owed over $11,000 on the loan (notice of default). The notice of default identified Cal-Western as “either the original trustee, the duly appointed substituted trustee, or acting as agent for the trustee or beneficiary.” The notice of default directed questions about the amount due or

1 arrangements for payment to stop foreclosure to WM Specialty Mortgage LLC (WM Specialty), an entity subsequently known as JPMC.1 In December 2006, two additional documents were recorded. The first, dated October 27, 2006, memorialized an assignment of the deed from Argent to WM Specialty, effective October 15, 2006 (assignment). The second, also dated October 27, substituted Cal-Western for Town and Country Title Services, Inc. as the trustee…