" The California Homeowner Bill of Rights became law on XXXX XXXX, 2013 to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process '' IS IT FAIR THAT IF YOU WANT TO HAVE ANY REPRESENTATION BY AN ATTORNEY, IT MAY COSTS A MINIMUM OF {$8000.00}? AND THERE IS NO GUARNTEE THAT YOU WILL SUCEED IN YOUR MORTGAGE MODIFICATION. 
IS THE PROCESS TRANSPARENT & FAIR WHEN YOU HAVE TO EDUCATE YOURSELF AND RESEARCH FOR HOURS AND HOURS JUST TO FIND ANY INFORMATION THAT MAY HELP YOU IN THE LOAN MODIFICATON PROCESS, IT APPEARS IT TAKES A LAW DEGREE TO FIGURE ANY OF THIS OUT?? 
IS IT TRANSPARENT & FAIR WHEN YOU DO N'T KNOW WHAT THE UNDERWRITER 'S CRITERIA IS, SO YOU MAY PROVIDE THE NECESSARY DOCUMENTATION TO MEET THEIR GUIDELINES FOR THE APPROVAL OF YOUR MORTGAGE MODIFICATION PROCESS?? 
IS IT TRANSPARENT & FAIR WHEN THE LENDER REQUIRES THAT I SEND A COUPLE OF REAMS OF PAPER ( DOCUMENTATION ), SPEND A {$1.00} A PAGE TO FAX IT AND/OR SPEND {$50.00} OR MORE FOR POSTAGE TO SEND IT TO THEM, IS THAT FAIR?? I DO N'T HAVE A FANCY COPIER, FAX, SCANNER OR COMPUTER IN MY HOME LIKE YOU HAVE IN YOUR UNDERWRITER 'S OFFICE. 
IT IS FAIR THAT I HAVE TO WAIT 6 MONTHS TO HEAR FOR AN UNDERWRITERS DECISION, FIND OUT THAT YOU NEED ANOTHER REAM OF PAPER FAXED TO YOU. THAT 'S FAIR??? 
I DARE YOU LENDER TO COME IN MY HOME - INSTEAD OF SENDING SOME FIELD REP FROM THE XXXX AREA TO TAKE PICTURES FROM THEIR CAR - YEP YOU CAN SEE THE XXXX FLAG I FLY FOR MY SON, WHO MADE THE DECISION TO SERVE HIS COUNTRY AND YOU SEND ME A LETTER ASKING IF I 'M IN THE MILITARY?? COME INTO MY HOME AND SEE HOW I LIVE, SEE HOW I STRUGGLE AND WORRY ABOUT LOSING MY HOME BECAUSE I 'M WAITING FOR AN UNDERWRITER 'S DECISION??? WHO ARE THESE UNDERWRITER 'S???? 
THIS CA HOMEOWNER 'S BILL OF RIGHTS DOES NOT HELP THE HOMEOWNER WHO IS TRYING TO SAVE THEIR HOME FROM FORCLOSURE. I 'M TRYING TO KEEP XXXX ELDERLY RETIRED FOLKS AND A FAIMLY OF XXXX FROM BEING HOMELESS!! 
I 'M SORRY LAWMAKERS, NON-PROFITS, ( AKA HUD CERTIFIED COUNSELORS ), ATTORNEYS & STATE AGENCIES YOU GET TO UTILIZE THE XXXX XXXX DOLLARS YOU RECEIVED FROM THESE LEDERS AND COVER YOUR SALARIES, OFFICES AND OVERHEAD - YOU ARE THE ONES PROFITING!! 
GET REAL - THERE IS NO TRANSPARCY AND WHAT IS YOUR DEFINITION OF BASIC FAIRNESS???? 
