Fee petition mechanics · Updated July 2026
California foreclosure consultant fraud attorney fee petition mechanics: date of Notice of Default recording as primary Welch anchor, Civ. Code § 2945.4(a) mandatory attorney fees
California foreclosure consultant fraud enforcement (Civ. Code § 2945 et seq. — California Foreclosure Consultant Law; § 2945.4(a): 'The court shall award to the prevailing party reasonable attorney's fees and costs in any action on a contract for services described in Section 2945.1 or for the enforcement of rights created by this chapter' — mandatory 'shall award' to the prevailing party in any action on a foreclosure consulting contract or for enforcement of rights created by the Foreclosure Consultant Law; § 2945.2(c): prohibits a foreclosure consultant from collecting any compensation until after all services have been fully performed — advance fee prohibition; § 2945.1: defines 'foreclosure consultant' as a person who, for compensation, solicits a homeowner in default and makes any representation or offer to perform any service for the purpose of preventing or postponing foreclosure; Civ. Code § 2924: requires lender's trustee to record a Notice of Default before initiating California non-judicial foreclosure) solos billing hourly on mandatory attorney fees — in actions where the primary Welch temporal anchor is the DATE OF NOTICE OF DEFAULT RECORDING (the ONLY primary anchor in the fee-petition-mechanics series in a COUNTY RECORDER'S OFFICIAL RECORDING CALENDAR DATE; the lender's trustee records the Notice of Default on the county recorder's official public records calendar entirely outside the homeowner-plaintiff attorney's scheduling control; the county recorder's institutional calendar stamps the NOD with a recording date and document number at the moment of filing — before any homeowner attorney is retained, before any consulting contract is executed, before any fee is charged; simultaneously starts: (a) the § 2945 consulting contract prohibition clock — foreclosure consultants target homeowners on county recorder's publicly available NOD lists; (b) the § 2945.4(a) Hensley lodestar for mandatory attorney fees; (c) the 3-month minimum redemption period before Notice of Trustee Sale can be recorded under § 2924(a)(2); DISTINCT from § 1695 home equity purchase contract [§ 1695 covers BUYERS who purchase the distressed homeowner's property at or near foreclosure and lease it back; § 1695 Welch anchor is the date of the home equity purchase contract — a date in the buyer's private contract calendar; § 2945 covers CONSULTANTS who promise to prevent, postpone, or stop foreclosure for a fee without purchasing; § 2945 Welch anchor is the NOD recording date on the public county recorder's institutional calendar — categorically distinct because one anchor is in the county recorder's official public recording calendar and the other is in a private buyer's contract calendar]; no direct federal parallel for California § 2945.4 state court claim; no Ketchum/Dague split; pure Ketchum multiplier eligible; Ketchum v. Moses 24 Cal.4th 1122 (2001); PLCM Group Inc. v. Drexler 22 Cal.4th 1084 (2000); Hensley v. Eckerhart 461 U.S. 424 (1983) lodestar from DATE OF NOTICE OF DEFAULT RECORDING; Missouri v. Jenkins 491 U.S. 274 (1989) fees-on-fees; Civ. Code § 2924 (NOD recording requirement); Civ. Code § 2924f (NOTS publication requirements); Civ. Code § 2945.2(c) (advance fee prohibition)) — generate three billing gaps driven by foreclosure consultant contract review and NOD recording date analysis and § 2945.2(c) advance fee prohibition advisory calls, the concurrent county recorder's NOD and NOTS recording calendar and trustee sale scheduling calendar and DFPI licensing and enforcement calendar, and the § 2945.4(a) mandatory attorney fee petition and Ketchum multiplier analysis and § 2945.6 criminal referral advisory calls: foreclosure consultant contract review and NOD recording date analysis and § 2945.2(c) advance fee prohibition advisory calls (7 clients × 2 calls × 42 min × 55% untracked ≈ 5.39 hrs = $1,617–$2,695/year at $300–$500/hr), county recorder's NOD and NOTS recording calendar and trustee sale scheduling calendar and DFPI licensing and enforcement calendar advisory calls (6 clients × 3 calls × 44 min × 55% ≈ 7.26 hrs = $2,178–$3,630/year), and § 2945.4(a) mandatory attorney fee petition and Ketchum multiplier analysis and § 2945.6 criminal referral advisory calls (5 clients × 2 calls × 44 min × 55% ≈ 4.03 hrs = $1,210–$2,017/year). For a solo California foreclosure consultant fraud practice, the annual billing gap from advisory call underlogging is $5,005–$8,342.
TL;DR
ClaimHour captures every foreclosure consultant contract review and NOD recording date analysis and § 2945.2(c) advance fee prohibition advisory call that starts the § 2945.4(a) fee documentation period from the DATE OF NOTICE OF DEFAULT RECORDING (on the county recorder's official public records calendar — lender's trustee controls recording timing on the county recorder's own institutional calendar entirely outside homeowner attorney's control), every concurrent county recorder's NOD and NOTS recording calendar and trustee sale scheduling calendar and DFPI licensing and enforcement calendar advisory call on external proceedings entirely outside the attorney's scheduling control, and every § 2945.4(a) mandatory attorney fee petition and Ketchum multiplier analysis and § 2945.6 criminal referral advisory call on the post-judgment fee petition calendar — passively, no timer, no audio, no call contents. $29–$59/mo. No PMS required.
Foreclosure consultant contract review and NOD recording date analysis and § 2945.2(c) advance fee prohibition: calls on the county recorder's official recording calendar
The DATE OF NOTICE OF DEFAULT RECORDING is the primary Welch temporal anchor for § 2945.4(a) attorney fee billing documentation in a Civ. Code § 2945 foreclosure consultant fraud action. This date is the ONLY primary anchor in the fee-petition-mechanics series in a COUNTY RECORDER'S OFFICIAL RECORDING CALENDAR DATE. The Hensley lodestar starts from this date for four reasons: (1) the county recorder's official recording calendar controls the operative date: county recorders across California — the Los Angeles County Registrar-Recorder/County Clerk, Orange County Clerk-Recorder, San Diego County Assessor/Recorder/Clerk, Alameda County Clerk-Recorder, Sacramento County Clerk/Recorder — stamp each Notice of Default with an official recording date and document number at the moment of filing on the recorder's own institutional calendar entirely outside the homeowner attorney's scheduling control; the homeowner's attorney has no access to or control over this calendar; (2) § 2924 makes NOD recording a statutory prerequisite for non-judicial foreclosure: Civil Code § 2924 requires the beneficiary, trustee, or authorized agent to first record a Notice of Default before any non-judicial foreclosure can proceed; there is no lawful non-judicial foreclosure in California without a recorded NOD, making the county recorder's NOD recording date the single most legally operative date in the California foreclosure timeline; (3) the NOD recording date starts the § 2945 statutory clock simultaneously on multiple external calendars: foreclosure consultants solicit distressed homeowners specifically after NOD recording by monitoring the county recorder's own publicly available list of recorded NODs; the consultant's contact with the homeowner post-NOD is the operative predicate for both the § 2945 consulting contract requirements and the § 2945.2(c) advance fee prohibition, both timed from the county recorder's institutional calendar; (4) the 3-month minimum before NOTS creates a defined external calendar window: Civ. Code § 2924(a)(2) prohibits the trustee from recording a Notice of Trustee Sale until 3 months after the NOD is recorded — this 3-month statutory window, timed from the county recorder's NOD recording date, is a calendar constraint on the county recorder's own institutional calendar entirely outside homeowner attorney's scheduling control.
Three initial advisory call types generate untracked billing from the NOD recording date: (1) foreclosure consultant contract review and NOD recording date analysis advisory — arrives when homeowner retains § 2945 counsel (contract review analysis: [a] identify the consulting contract's written form compliance under § 2945.1: the contract must be in writing, dated and signed by the homeowner, in the same language as the oral negotiations, and contain specified content including the foreclosure consultant's name and address, the foreclosure consultant's license number if required, the exact nature of all services to be performed, the total amount and terms of compensation, the date by which services will be completed, and a notice of the homeowner's right of rescission; [b] identify the NOD recording date: obtain a certified copy of the recorded Notice of Default from the county recorder; the county recorder's document number and recording date stamp constitute the operative Welch anchor date on the county recorder's institutional calendar; county recorder records are publicly available and indexed by assessor's parcel number (APN); [c] confirm the consultant's statutory coverage under § 2945.1: § 2945.1 defines 'foreclosure consultant' broadly to include any person who, for compensation, makes any representation or offer to: stop or postpone a foreclosure sale, obtain any forbearance from a beneficiary or mortgagee, assist the homeowner to exercise the right of reinstatement, obtain an extension of time to redeem the property, obtain a waiver of acceleration clause, assist the homeowner in negotiating a loan modification, arrange or assist the homeowner in arranging for any person to bid at the foreclosure sale, save the homeowner's residence from foreclosure by any other means; [d] § 2945.2(c) advance fee prohibition: confirm whether any fees were collected before the consultant's services were fully performed; if any payment was accepted before services were complete, § 2945.2(c) was violated regardless of characterization; 42–48 min per call); (2) § 2945.2(c) advance fee prohibition and characterization defense advisory — arrives when consultant disputes whether fees collected were 'compensation' (advance fee prohibition analysis: [a] § 2945.2(c): 'A foreclosure consultant shall not receive any compensation until after the foreclosure consultant has fully performed each and every service the foreclosure consultant contracted to perform or represented he or she would perform'; [b] consultant common defense: characterizing collected payments as 'administrative fees,' 'document preparation fees,' 'processing fees,' or 'expense advances' rather than 'compensation' — this characterization dispute arises from the consultant's own billing calendar and payment receipt records entirely outside homeowner attorney's scheduling control; [c] banking records: the consulting fees and when they were paid are documented in the consultant's own banking and accounting records — subpoena of bank records runs on the bank's own document production calendar entirely outside homeowner attorney's scheduling control; [d] credit card and wire transfer records of homeowner: the homeowner's own payment records (credit card statements, bank wire records, check records) establish when fees were paid relative to when services were performed; payment dates on the homeowner's own bank calendar must be matched against the NOD recording date and any claimed service completion dates; 42–48 min per call); (3) § 2945.1 consulting contract content defect identification and rescission right advisory — arrives when contract form is defective (contract defect analysis: [a] § 2945.1(c) required contract content: the contract must include a Notice of Cancellation form in the same language as the contract stating the homeowner's right to cancel the contract within five business days of signing; if the Notice of Cancellation is not included, the homeowner's right to cancel does not expire and the homeowner may cancel at any time; [b] right of rescission period: homeowner has five business days from signing to rescind the consulting contract by giving written notice; rescission must be in writing; the five-business-day rescission clock runs from the contract signing date on the homeowner's own calendar; [c] if the consultant is a licensed attorney: Civ. Code § 2945.1 exempts certain licensed attorneys from the Foreclosure Consultant Law if acting in their professional capacity — attorney-consultant distinction must be confirmed against State Bar records on the State Bar's own licensing calendar; [d] if the contract contains a prohibited fee advance: the contract may be void or voidable in its entirety if § 2945.2(c) was violated — the homeowner may seek full restitution of all fees paid; 42–48 min per call). At 55% untracked: 7 clients × 2 calls × 42 min × 55% = 323.4 min / 60 = 5.39 hours = $1,617–$2,695/year at $300–$500/hr.
County recorder's NOD and NOTS recording calendar and trustee sale scheduling calendar and DFPI licensing and enforcement calendar: calls on external proceedings entirely outside attorney control
A California Civ. Code § 2945 foreclosure consultant fraud case typically involves three concurrent external proceedings calendars that run entirely outside the homeowner attorney's scheduling control: the county recorder's NOD and NOTS recording calendar [the lender's trustee controls both the NOD recording date and the subsequent NOTS recording date; the 3-month minimum between NOD and NOTS under § 2924(a)(2) and the requirement that the NOTS be recorded at least 20 days before the trustee sale under § 2924f are both calendar dates on the county recorder's official recording calendar entirely outside homeowner attorney's scheduling control; the county recorder's own scheduling of recording document review and processing runs on the county recorder's own institutional calendar], the trustee sale scheduling calendar [the trustee sale date is set by the lender's foreclosing trustee on the trustee's own scheduling calendar; the sale must be scheduled at least 20 days after NOTS recording and published in a newspaper of general circulation on the newspaper's own publication calendar entirely outside homeowner attorney's scheduling control; postponements of the trustee sale by the lender or by court order create additional calendar events on the trustee's rescheduling calendar that are similarly outside homeowner attorney's control], and the DFPI licensing and enforcement calendar [the California Department of Financial Protection and Innovation registers and enforces the California Foreclosure Consultant Act; DFPI's own examination and enforcement action calendar runs entirely outside homeowner attorney's scheduling control; criminal referrals to county DA offices for willful § 2945.6 felony violations proceed on the DA's own prosecution calendar]. Ketchum v. Moses 24 Cal.4th 1122 (2001). PLCM Group Inc. v. Drexler 22 Cal.4th 1084 (2000). Hensley v. Eckerhart 461 U.S. 424 (1983) lodestar from DATE OF NOTICE OF DEFAULT RECORDING. Missouri v. Jenkins 491 U.S. 274 (1989) fees-on-fees.
Three concurrent external proceedings calendar advisory call types generate untracked billing: (1) county recorder's NOD and NOTS recording calendar advisory — arrives when trustee sale date approaches (county recorder recording calendar analysis: [a] NOD recording date authentication: the homeowner's attorney must obtain certified copies of the recorded Notice of Default from the county recorder to establish the operative Welch anchor date; the county recorder's own copy-request processing and certification calendar — including any backlog at high-volume recorders such as Los Angeles, San Bernardino, or Riverside — runs entirely outside homeowner attorney's scheduling control; [b] 3-month minimum between NOD and NOTS: Civ. Code § 2924(a)(2) prohibits NOTS recording until at least 3 months after NOD recording; if the NOTS is recorded prematurely, the trustee sale is void; the homeowner's attorney must monitor county recorder publications for premature NOTS recording on the recorder's own recording calendar; [c] NOTS 20-day minimum before trustee sale: Civ. Code § 2924f requires the NOTS to be recorded at least 20 days before the trustee sale date; this date is simultaneously on the county recorder's own recording calendar and the trustee's own sale scheduling calendar; [d] § 2924f publication requirements: the NOTS must be published in a newspaper of general circulation adjudicated to publish legal notices in the county where the property is located once per week for three consecutive weeks; the newspaper's own publication calendar runs entirely outside homeowner attorney's scheduling control; the first publication date must be at least 20 days before the trustee sale date; [e] mailing requirements: the NOTS must also be mailed to the homeowner and to other specified parties by first-class and certified mail — the trustee's own mailing calendar and postal delivery calendar run entirely outside homeowner attorney's scheduling control; 44–50 min per call); (2) trustee sale scheduling calendar advisory — arrives when homeowner seeks postponement of trustee sale (trustee sale scheduling analysis: [a] trustee sale postponement by lender: lender may unilaterally postpone the trustee sale by oral proclamation at the time and place of the sale — each postponement creates a new sale date on the trustee's own rescheduling calendar entirely outside homeowner attorney's scheduling control; lender postponements do not require new publication under § 2924f if postponement is made at the time of sale; [b] court-ordered postponement: homeowner's attorney may seek a TRO or preliminary injunction to postpone the trustee sale in superior court; the court's own hearing calendar for TRO and preliminary injunction motions runs entirely outside homeowner attorney's scheduling control; [c] bankruptcy automatic stay: if the homeowner files Chapter 13 or Chapter 7 bankruptcy, the automatic stay under 11 U.S.C. § 362 immediately stops the trustee sale; the bankruptcy court's own calendar then controls all future trustee sale dates entirely outside homeowner attorney's control in the foreclosure action; [d] post-sale void or voidable challenge: if the trustee sale proceeds without compliance with § 2924f publication requirements, the sale may be void or voidable; post-sale challenge proceeds on the superior court's own calendar for unlawful detainer and quiet title actions; [e] § 2945 consulting contract injunctive relief: homeowner may seek injunctive relief under Civ. Code § 2945.4(b) in addition to mandatory attorney fees; superior court's own TRO calendar is entirely outside homeowner attorney's scheduling control; 44–50 min per call); (3) DFPI licensing and enforcement calendar advisory — arrives when consultant is unregistered or when DFPI takes independent enforcement action (DFPI enforcement calendar analysis: [a] DFPI foreclosure consultant registration: California requires foreclosure consultants operating as businesses to register with DFPI under the California Residential Mortgage Lending Act and applicable DFPI regulations; DFPI's own registration processing and examination calendar runs entirely outside homeowner attorney's scheduling control; if the consultant was unregistered, DFPI's own enforcement response calendar creates an additional external proceedings calendar; [b] DFPI enforcement action: DFPI may independently investigate and issue a desist-and-refrain order, order for restitution, or civil money penalty against the foreclosure consultant; DFPI's own enforcement action calendar — including investigation timeline, informal conference date, and formal hearing date — runs entirely outside homeowner attorney's scheduling control and may directly affect the value and timing of settlement in the homeowner's concurrent civil action; [c] § 2945.6 criminal referral: § 2945.6 makes willful violations of the California Foreclosure Consultant Law a felony punishable by imprisonment; if DFPI or the homeowner's attorney refers the consultant for criminal prosecution, the county DA's own charging calendar, arraignment calendar, and plea calendar run entirely outside homeowner attorney's scheduling control and significantly affect settlement leverage; [d] concurrent UCL § 17200 action: the homeowner may also bring a Business and Professions Code § 17200 unfair competition claim based on the § 2945 violation; the § 17200 claim adds the AG's own enforcement calendar as an additional external proceedings calendar; 44–50 min per call). At 55% untracked: 6 clients × 3 calls × 44 min × 55% = 435.6 min / 60 = 7.26 hours = $2,178–$3,630/year at $300–$500/hr.
§ 2945.4(a) mandatory attorney fee petition and Ketchum multiplier analysis and § 2945.6 criminal referral advisory: calls on the post-judgment fee petition calendar
Civ. Code § 2945.4(a) provides mandatory attorney fees to the prevailing party: 'The court shall award to the prevailing party reasonable attorney's fees and costs in any action on a contract for services described in Section 2945.1 or for the enforcement of rights created by this chapter.' The mandatory 'shall award' language of § 2945.4(a) creates the fee-shifting entitlement for every § 2945 foreclosure consultant fraud claim without judicial discretion. The § 2945.4(a) fee petition requires a Hensley lodestar from the DATE OF NOTICE OF DEFAULT RECORDING through foreclosure consultant contract review, § 2945.2(c) advance fee prohibition analysis, county recorder's NOD and NOTS recording calendar monitoring, trustee sale scheduling calendar monitoring, DFPI enforcement calendar monitoring, litigation, and fee petition. No direct federal parallel provides mandatory private attorney fees for state law foreclosure consultant fraud claims — the Ketchum multiplier applies without any Dague constraint for the California § 2945.4(a) claim. Ketchum v. Moses 24 Cal.4th 1122 (2001). PLCM Group Inc. v. Drexler 22 Cal.4th 1084 (2000). Hensley v. Eckerhart 461 U.S. 424 (1983). Missouri v. Jenkins 491 U.S. 274 (1989) fees-on-fees.
Two § 2945.4(a) post-judgment advisory call types generate untracked billing: (1) § 2945.4(a) mandatory fee petition component assembly advisory — arrives at judgment (fee petition assembly: [a] NOD recording date as Hensley lodestar start: the Hensley contemporaneous-record requirement (Hensley v. Eckerhart 461 U.S. 424 (1983)) demands that lodestar hours be documented from the DATE OF NOTICE OF DEFAULT RECORDING; this means the attorney's fee records must capture every advisory call about the § 2945 consulting contract, the § 2945.2(c) advance fee prohibition, the county recorder's NOD recording authentication, the NOTS recording calendar, and the trustee sale scheduling calendar from the moment the homeowner first sought counsel after the NOD was recorded; [b] fee petition component breakdown: the § 2945.4(a) fee petition must document hours for: initial § 2945.1 contract review and NOD recording date authentication; § 2945.2(c) advance fee prohibition analysis and payment records subpoena; county recorder's NOD and NOTS recording calendar monitoring and certified copy retrieval; trustee sale scheduling calendar monitoring and postponement advisory; DFPI registration status research and enforcement monitoring; § 2945.6 criminal referral advisory; litigation hours; fee petition preparation hours; [c] Missouri v. Jenkins fees-on-fees: attorney time spent preparing the § 2945.4(a) fee petition is itself compensable under Missouri v. Jenkins 491 U.S. 274 (1989); fees-on-fees documentation requires contemporaneous records of all time spent on fee petition preparation — including this advisory call; [d] PLCM Group prevailing market rate: PLCM Group Inc. v. Drexler 22 Cal.4th 1084 (2000) governs prevailing market rate for § 2945.4(a) fee petitions; the prevailing hourly rate for California foreclosure plaintiff attorneys in the relevant geographic market must be documented by declarations from attorneys of comparable skill and experience; [e] § 2945.4(b) injunctive relief fee component: if the homeowner also obtained injunctive relief under § 2945.4(b) — including any TRO or preliminary injunction postponing the trustee sale — attorney time spent on the injunctive relief motion is separately compensable in the § 2945.4(a) fee petition; 44–50 min per call); (2) Ketchum multiplier analysis and five contingency factors advisory — arrives at fee petition (Ketchum five-factor multiplier analysis for California § 2945.4(a) foreclosure consultant fraud fee petition [Ketchum v. Moses 24 Cal.4th 1122 (2001)]; no Dague constraint for California state court § 2945.4(a) claim; five contingency factors present at DATE OF NOTICE OF DEFAULT RECORDING: [a] § 2945 consulting contract validity uncertainty: whether the consultant's contract complied with § 2945.1's required content — written form, language of negotiation, right of rescission notice, specified services, total compensation, completion date — was uncertain at inception; consultant commonly contended that minor form defects did not void the contract or bar compensation; [b] § 2945.2(c) advance fee prohibition uncertainty: whether any fees were collected before the consultant actually performed their promised services was uncertain at inception — disputed by consultant who characterized collected amounts as 'administrative fees' or 'expense reimbursements' that allegedly fell outside the 'compensation' prohibition of § 2945.2(c); resolution of this characterization dispute required analysis of the consultant's own billing records, banking records, and service completion logs, all on external institutional calendars outside homeowner attorney's scheduling control; [c] NOD recording date authentication uncertainty: although the NOD is a public record, establishing that the consultant first contacted the homeowner AFTER or in connection with the NOD recording — and that the consultant's solicitation was triggered by the homeowner's appearance on the county recorder's publicly published NOD list — required county recorder records authentication and may have required deposition of the consultant's own lead-generation personnel; [d] homeowner reliance and harm causation uncertainty: the homeowner's reliance on the consultant's false representations about foreclosure prevention, and whether that reliance caused quantifiable harm beyond the fees paid (e.g., lost modification opportunity, lost litigation window), was uncertain at inception; causation disputes regarding what outcome the homeowner would have achieved absent the consultant's fraudulent promises required expert testimony on foreclosure timelines and modification rates on the lender's own servicing calendar; [e] § 2945.6 criminal prosecution parallel: if the county DA's office separately prosecuted the consultant for willful § 2945.6 felony violations, the criminal prosecution calendar and plea calendar in the DA's office ran entirely outside homeowner attorney's scheduling control and affected settlement leverage, discovery coordination, and fee petition timing; PLCM Group 22 Cal.4th 1084 (2000) prevailing market rate; Missouri v. Jenkins 491 U.S. 274 (1989) fees-on-fees; 44–50 min per call). At 55% untracked: 5 clients × 2 calls × 44 min × 55% = 242 min / 60 = 4.03 hours = $1,210–$2,017/year at $300–$500/hr.
How ClaimHour fits California Civ. Code § 2945 foreclosure consultant fraud practice
California foreclosure consultant fraud Civ. Code § 2945 solos billing hourly on mandatory attorney fees — with foreclosure consultant contract review and NOD recording date analysis and § 2945.2(c) advance fee prohibition advisory calls arriving when the homeowner retains § 2945 counsel (DATE OF NOTICE OF DEFAULT RECORDING = primary Welch anchor; lender's trustee records the NOD on the county recorder's own institutional calendar entirely outside homeowner attorney's control; county recorder's official recording calendar stamps every NOD with a recording date and document number the moment of filing; § 2945.4(a) mandatory 'shall award' attorney fees to the prevailing party in any action on a § 2945.1 foreclosure consulting contract; no direct federal parallel for California § 2945.4 state court claim; no Ketchum/Dague split; pure Ketchum multiplier eligible; Civ. Code § 2924 NOD recording requirement; Civ. Code § 2924f NOTS publication requirements; Civ. Code § 2945.2(c) advance fee prohibition), county recorder's NOD and NOTS recording calendar advisory calls on the county recorder's institutional recording calendar entirely outside homeowner attorney's scheduling control, trustee sale scheduling calendar advisory calls on the lender's foreclosing trustee's own scheduling calendar entirely outside homeowner attorney's scheduling control, DFPI licensing and enforcement calendar advisory calls on DFPI's own examination and enforcement action calendar entirely outside homeowner attorney's scheduling control, and § 2945.4(a) mandatory attorney fee petition and Ketchum multiplier analysis and § 2945.6 criminal referral advisory calls arriving at judgment — and if your § 2945.4(a) lodestar documentation must satisfy the Hensley contemporaneous-record standard from the DATE OF NOTICE OF DEFAULT RECORDING through foreclosure consultant contract review, § 2945.2(c) advance fee prohibition analysis, county recorder's NOD and NOTS recording calendar monitoring, trustee sale scheduling calendar monitoring, DFPI enforcement monitoring, litigation, and fee petition, ClaimHour was built for that gap.