MTG PRE-FORECLOSRE COUNSELING

Amends the Code of Civil Procedure. Provides that, prior to commencing a mortgage foreclosure action, the plaintiff must contact the mortgagor advising the mortgagor of foreclosure in the near future and notifying the mortgagor that an in-person meeting to review refinancing the mortgage loan is available. Provides the notice must also contain a list of HUD-certified credit counselors. Provides that the plaintiff must wait at least 30 days after the date of the in-person meeting, or 30 days after the notice was served if no meeting was requested by the mortgagor, before the action to foreclose may be commenced. Provides that the plaintiff in any foreclosure action must attach to the complaint a sworn affidavit stating that these requirements have been complied with.