In re Bruce Caldwell Williams

I. BACKGROUND

22 Williams owned real property located at 13087 Wells Fargo Drive, Groveland, 23 California 95321 (“Groveland property”). See id. The Groveland property was one of 24 three parcels of real property that Williams owned, and was not his residence. Appellee’s

26 1 Through no fault of Williams, Appellant’s Opening Brief did not appear on this Court’s docket until February 2, 2023. See Order Directing Clarification (dkt. 9); Receipt of Bankruptcy Record on Appeal (dkt. 10); Appellee Brief in Response (dkt. 11); Appellant Appendix Ex. A (dkt. 6-1) at 13–14; id. at 2 (listing 660–62 S. 11th St. San Jose as where he lives); Appellee’s Appendix Ex. D (dkt. 6-1) at 30 (same); Appellant’s Opening Brief at 1 (same); Appellant’s Reply Brief (dkt. 8) at 1 (same). Appellee PKN Investments, LLC (“Appellee”) was the holder of the first trust deed secured against the Groveland property. Appellee’ Appendix Ex. M (dkt. 6-1) at 87, 97. Pursuant to the loan documents, Williams owed Appellee monthly payments of $832.50 per month. Id. at 81 ¶ 5. Around March 1, 2021, Williams defaulted on the loan by failing to make his monthly payment. Id.…