Odimbur

STATEMENT OF FACTS AND PROCEDURAL BACKGROUND

We take our facts from the operative third amended complaint (TAC) and the attached exhibits.1 Appellant purchased a single family residence in Carson, California, in July 1991.2 She refinanced the loan on her home in August 2004 and this refinanced loan was sold to respondent Wells Fargo Bank, N.A., doing business as respondent America’s Servicing Company (ASC). The refinanced loan was secured by a deed of trust encumbering the property in the amount of $300,000. The loan required monthly payments of $1,896.20, which appellant stated she made from October 2004 until May 2009, when her employer, The World Evangelist Church of the Holy Trinity, was forced to reduce her salary from $3,500 a month to $1,500 a month. Appellant called ASC several times asking for a loan modification but was told that she was not under a “hardship” and nothing could be done until she missed three monthly payments. Appellant rented out the rooms in her home to help cover the deficit but it was not enough to cover her mortgage payment and other expenses, which included paying for her deceased sister’s children’s education. On August 17, 2009, ASC caused to be…