Mejia

BACKGROUND

In 2013, petitioner Jose Mejia and his wife Cindy Mejia mortgaged real property on Meda Avenue in San Francisco, borrowing $326,700 from JPMorgan Chase Bank, NA (Chase). Two additional loans were later secured by the Meda Avenue property, including a $106,000 loan made by Bank of America, N.A., secured by a deed of trust recorded on May 19, 2016.

1 On January 22, 2019, a notice of default was recorded on the Meda Avenue property because the $106,000 loan was in default. On April 25, a notice of trustee sale was recorded, and on May 23, the property was sold at a trustee sale. On June 12, a trustee’s deed was recorded indicating that Paper Atlas had acquired the property and the unpaid debt on loans secured by the property. On September 12, Mejia submitted a “Change of Ownership Statement” on Form BOE-502 to the San Francisco Assessor Recorder’s Office requesting a transfer to “Jose Mejia sole owner, correction due to slander of title by Paper Atlas.” On April 17, 2020, a deed of reconveyance was recorded acknowledging the payment of the Chase mortgage and indicating Chase no longer held a security interest in the property. On January 19, 2021, Mejia attempted to…