Mejia

I. Background.

Mejia was the owner of residential real property located at 9951 Wheatland Avenue, Shadow Hills, California (the property). In September 2003, Mejia obtained a mortgage loan from HSBC Mortgage Corporation (HSBC) and executed a promissory note secured by a deed of trust on the property. Mejia obtained an additional loan from LaSalle Bank Midwest, N.A. (LaSalle), which also was secured by a deed of trust. LaSalle subsequently assigned its right in this loan to Bank of America. Mejia became delinquent on the mortgage loans in March 2010, and ReconTrust recorded a notice of default on or about June 11, 2010.

2 Mejia began the process of seeking a loan modification from Bank of America in August 2010. In December 2010, a Notice of Trustee’s Sale was recorded on the property, and on or about December 20, 2010, a Substitution of Trustee and Assignment of Deed of Trust was recorded, reflecting an assignment of the deed of trust from HSBC to BAC Home Loans Servicing, LP. Bank of America purchased the property at a foreclosure sale in March 2011, and Mejia vacated the property sometime in April 2011.

II. Mejia’s bankruptcy action.

Mejia filed a chapter 7 bankruptcy…