You indicate that you're in California, which is the Ninth Circuit.
Lorraine McNeal v. GMAC Mortgage is a case in the Eleventh Circuit.
It's not binding here in California, and to my knowledge, there is no similar case to it in our circuit.
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It is on appeal to the circuit courts. It will likely be taken up by the Supreme Court. Likely it is going to be reversed by the Supreme Court but who knows.
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GMAC filed a petition for rehearing to have the matter to be heard en banc, which means an opinion from the entire court and not just a three-judge panel. No word on resolution of that to date.