What is wrongful foreclosure?

“A wrongful foreclosure is a common law tort claim. It is an equitable action to set aside a foreclosure sale, or an action for damages resulting from the sale, on the basis that the foreclosure was improper.” (Sciarratta v. U.S. Bank Nat’l Assn. (2016) 247 Cal.App.4th 552, 561.)

Legal Standard

“The basic elements of a tort cause of action for wrongful foreclosure track the elements of an equitable cause of action to set aside a foreclosure sale.” (Miles v. Deutsche Bank Nat’l Trust Co. (2015) 236 Cal.App.4th 394, 408.) “To maintain a wrongful foreclosure claim, a plaintiff must allege that

  1. the defendants caused an illegal, fraudulent, or willfully oppressive sale of the property pursuant to a power of sale in a mortgage or deed of trust;
  2. the plaintiff suffered prejudice or harm; and
  3. the plaintiff tendered the amount of the secured indebtedness or was excused from tendering.”

(Chavez v. Indymac Mortgage Services (2013) 219 Cal.App.4th 1052, 1062; Lona v. Citibank, N.A. (2011) 202 Cal.App.4th 89, 104.)

“[M]ere technical violations of the foreclosure process will not give rise to a tort claim; the foreclosure must have been entirely unauthorized on the facts of the case.” (Miles, supra, 236 Cal.App.4th at p. 409.)

Wrongful foreclosure claims are premature if there has been no foreclosure sale. (Vega v. JPMorgan Chase Bank, N.A. (E.D.Cal. 2009) 654 F. Supp.2d 1104, 1113.) In situations where a foreclosure has already occurred, the California Supreme Court held that a borrower has standing to sue for wrongful foreclosure based on an allegedly void assignment of his or her mortgage. (Yvanova v. New Century Mortg. Corp. (2016) 62 Cal.4th 919.)

However, in cases where a foreclosure sale has not taken place, the court deliberately left open the question of whether a borrower may preemptively challenge a foreclosing party’s right to proceed with the foreclosure. (Yvanova, supra, 62 Cal.4th at p. 924.) The court thus left intact an appellate court decision in Gomes v. Countrywide Home Loans, Inc. (2011) 192 Cal.App.4th 1149 (Gomes), which held that courts may not interject themselves into California’s comprehensive nonjudicial foreclosure scheme by entertaining “speculative suit[s]” regarding the lack of authority by the foreclosing entity to foreclose. (Gomes, supra, 192 Cal.App.4th at p. 1156.)

Statute of Limitations

Generally, the statute of limitations for wrongful foreclosure is three years. (Code of Civ. Proc., Code § 338(a), (d).)

Useful Resources for Wrongful Foreclosure

Recent Documents on Wrongful Foreclosure

1-25 of 3215 results

Statement -

11/10/2020 1 Robert W. Norman, Jr. (SBN 232470) Neil J. Cooper (SBN 277997) 2 HOUSER LLP 9970 Research Drive 3 Irvine, California 92618 Telephone: (949) 679-1111 4 Facsimile: (949) 679-1112 Email: bno...

Motion Summary Judgment -

11/10/2020 1 Robert W. Norman, Jr. (SBN 232470) Neil J. Cooper (SBN 277997) 2 HOUSER LLP 9970 Research Drive 3 Irvine, California 92618 Telephone: (949) 679-1111 4 Facsimile: (949) 679-1112 Email: bnor...

Memorandum Points & Authorities -

1 FRED T. WINTERS (SBN 091545) 11/04/2020 CASPER J. RANKIN (SBN 249196) 2 ALDRIDGE PITE, LLP 4375 Jutland Drive, Suite 200 3 P.O. Box 17935 San Diego, CA 92177-0935 4 Telephone: (858) 750-7600 Facsimile: (619) 590-1385 ...

Case Management Conference Statement -

CM-110 ATTORNEY OR PARTY WITHOUT ATTORNEY (Name, State Bar number, and address): FOR COURT USE ONLY Jillian A. Benbow (SBN 246822) Aldridge Pite, LLP 4375 Jutland Dr., Ste. 200 San Diego, CA 92117 (858) TELEPHONE NO.: ...

Case Management Conference Statement -

CM-110 ATTORNEY OR PARTY WITHOUT ATTORNEY (Name, State Bar number, and address): FOR COURT USE ONLY Shannon C. Williams (SBN 196787), Cuong M. Nguyen (SBN 248586) Ghidotti | Berger, LLP 1920 Old Tustin Avenue, Santa Ana, CA 92705 TELEPHONE NO.: (949) 427-2010 FAX NO...

Declaration -

ELEANOR M. ROMAN (State Bar No. 178736) 11/02/2020 [email protected] SEVERSON & WERSON A Professional Corporation One Embarcadero Center, Suite 2600 San Francisco, California 94111 Telephone: (415) 398-3344 Facsimile: (415) 956-0439 ...

Case Management Conference Statement -

CM-110 ATTORNEY OR PARTY WITHOUT ATTORNEY (Name, State Bar number, and address): FOR COURT USE ONLY ALDRIDGE PITE, LLP / FRED T. WINTERS (SBN 091545) 4375 JUTLAND DRIVE, STE. 200 SAN DIEGO, CA 92117 TELEPHONE NO.: (858) 750-7600 FAX NO. (Optional): E-M...

Minutes - Civil -

*/ NO COO A CL_ SUPERIOR COURT OF CALIFORNIA, COUNTY OF PLACER aa ...

Complaint 1st Amended -

YEVGENIY ZHILOVSKIY 6764 Olive Point Way Roseville, CA 95678 FILED Phone 916-626-0813 Superior County Courtof ...

Memorandum Points & Authorities -

10/02/2020 1 FRED T. WINTERS (SBN 091545) CASPER J. RANKIN (SBN 249196) 2 ALDRIDGE PITE, LLP 4375 Jutland Drive, Suite 200 3 P.O. Box 17935 San Diego, CA 92177-0935 4 Telephone: (858) 750-7600 ...

*Summary Judgment - NOTICE OF MOTION AND MSJ, OR IN THE ALTERNATIVE, SUM...

SUPERIOR COURT OF THE STATE OF CALIFORNIA COUNTY OF YOLO CIVIL LAW AND MOTION MINUTE ORDER HON: DANIEL M WOLK CASE NO: CV-2013-1769 TITLE: PONCE ET AL VS. WELLS FARGO ET AL PROCEEDINGS: *SUMMARY JUDGMENT CLERK: Piper Noto APPEARANCES 1OPlaintiff Present Osit 2pwi By Attys: r 30Defendant Present DATE: 10/01/2020 TIME: 9:00 AM REPORTER: 190 Tentative ruling adopted; see attached WARRANT ORDERS 1 O Debtor failed to appear; Warrant of Body Attachment ordered; Bail set $. 2 O Stay issu...

Declaration -

09/24/2020 1 Raymond P. Boucher, State Bar No. 115364 ray[email protected] 2 Maria L. Weitz, State Bar No. 268100 [email protected] 3 Neal Butala, State Bar No. 289197 [email protected] 4 BOUCHER LLP ...

Brief Trial -

LUANNE RUTHERFORD (State Bar No. 153336) [email protected] 9-21-20 AMARA EATTY LATTERY ORGES MBACHER LLP 3480 Buskirk Avenue, Suite 250 Pleasant Hill, CA 94523 Telephone: (925) 939-5330 Fa...

Reply -

David T. Biderman, Bar No. 101577 09/18/2020 [email protected] Thomas N. Abbott, Bar No. 245568 [email protected] PERKINS COIE LLP 505 Howard Street, Suite 1000 San Francisco, CA94105 Telephone:415.344.7000 ...

Case Management Statement Filed - Case Management Statement

CM-110 ATTORNEY OR PARTY WITHOUT ATTORNEY (Name, State Bar number, and address): FOR COURT USE ONLY Brian J. Jacobs (State Bar 107788) 6464 Woodman Avenue Suite 103 Van Nuys, California 91401 ...

Opposition -

David T. Biderman, Bar No. 101577 09/18/2020 [email protected] Thomas N. Abbott, Bar No. 245568 [email protected] PERKINS COIE LLP 505 Howard Street, Suite 1000 San Francisco, CA94105 Telephone:415.344.7000 ...

Demurrer -

09/11/2020 ELEANOR M. ROMAN (State Bar No. 178736) [email protected] SEVERSON & WERSON A Professional Corporation One Embarcadero Center, Suite 2600 San Francisco, California 94111 Telephone: (415) 398-3344 ...

Memorandum Points & Authorities -

09/11/2020 ROBERT J. GANDY (State Bar No. 225405) SEVERSON & WERSON A Professional Corporation The Atrium 19100 Von Karman Avenue, Suite 700 Irvine, California 92612 Telephone: (949) 442-7110 ...

Declaration -

09/03/2020 1 Raymond P. Boucher, State Bar No. 115364 [email protected] 2 Maria L. Weitz, State Bar No. 268100 [email protected] 3 Neal Butala, State Bar No. 289197 [email protected]boucher.la 4 BOUCHER LLP ...

Statement -

David T. Biderman, Bar No. 101577 [email protected] 09/02/2020 Thomas N. Abbott, Bar No. 245568 [email protected] PERKINS COIE LLP 505 Howard Street, Suite 1000 San Francisco, CA Telephone: 415.344.7000 ...

Memorandum Points & Authorities -

David T. Biderman, Bar No. 101577 [email protected] 09/02/2020 Thomas N. Abbott, Bar No. 245568 [email protected] PERKINS COIE LLP 505 Howard Street, Suite 1000 San Francisco, CA Telephone: 415.344.7000 ...

Motion Summary Judgment -

David T. Biderman, Bar No. 101577 09/02/2020 [email protected] Thomas N. Abbott, Bar No. 245568 [email protected] PERKINS COIE LLP 505 Howard Street, Suite 1000 San Francisco, CA 94105-3204 Telephone: 415.344.7000 ...

Objection -

Clifford B. Scherer, SBN 27843 Law Offices of Clifford B. Scherer 800 Sunrise Ave. Suite C ELECTRONICALLY FILED Roseville, CA 95661 superior Court of California, Phone 916-298-7390 County ...

Memorandum: Points and Authorities - Amended Points & Authorities

1 | ROBERTS + ELLIOTT Law Corporation 2 || JAMES ROBERTS, SBN 98804 BRISH MILLER, SBN 318407 3 || 1798 Technology Drive, Suite 292 4 || San Jose, CA 95110 Telephone: (408) 275-9800 3] Fax: (408) 287-3782 Emails: [email protected] 6 [email protected] 7 || Attorneys for Defendants Home Loan Eagle, inc. 8 || James McClenahan 10 IN THE SUPERIOR COURT OF THE STATE OF CALIFORNIA 1 IN AND FOR THE COUNTY OF SANTA CLARA 12 GENERAL JURISDICTION 14 || JOSEPH VILLALOBOS, et al...

Memorandum: Points and Authorities - AMENDED.

1 | ROBERTS * ELLIOTT Law Corporation JAMES ROBERTS, SBN 98804 BRISH MILLER, SBN 318407 ta 3 | 1798 Technology Drive Suite 292 4 || San Jose, CA 95110 Telephone: (408) 275-9800 5 || Fax: (408) 287-3782 Emails: [email protected] 6 [email protected] 7 || Attorneys for Defendants Home Loan Eagle, Inc. § | James McClenahan 9 10 IN THE SUPERIOR COURT OF THE STATE OF CALIFORNIA It IN AND FOR THE COUNTY OF SANTA CLARA 12 GENERAL JURISDICTION 14 || JOSEPH VILLALOBOS, et al...

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