Warren v. Specialized Loan Servicing, L.L.C. (C.D. Cal. Mar. 1, 2024)

“Unfairness” prong under state UDAP law satisfied with allegations that owner of HELOC loan proceeded to foreclose without complying with California statute that mandated consideration of loss mitigation before foreclosure, referencing 2023 CFPB guidance on zombie mortgage and the FDCPA.