SHANNON HAGER

UNITED STATES B ANKRUPTCY COURT

EASTERN DISTRICT OF CALIFORNIA

FRESNO DIVISION

In re ) Case No. 22-12056-B-13 ) SHANNON HAGER, ) DCN PK-2 ) Debtor. ) ) ) )

AMENDED MEMORANDUM RULING ON MOTION TO ANNUL STAY

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Patrick Kavanagh, LAW OFFICES OF PATRICK KAVANAGH, Bakersfield, CA, for Ian McGilvray, Movant.

Andrew J. Christensen, LAW OFFICES OF ANDREW J. CHRISTENSEN, P.C., Oakland, CA, & Robert S. Williams, WILLIAMS & WILLIAMS, INC., Bakersfield CA, for Shannon Hager, Debtor.

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RENÉ LASTRETO II, Bankruptcy Judge:

18 California’s nonjudicial foreclosure system is designed to provide the lender-beneficiary with an inexpensive and efficient remedy against a defaulting borrower, while protecting the borrower from wrongful loss of the property and ensuring that a properly conducted sale is final between the parties and 24 conclusive…