Core Viewpoint - A new bill, AB 1847, aims to provide extended mortgage relief for wildfire victims in Los Angeles County, tripling the relief period from 12 to 36 months compared to the previous legislation, AB 238 [1][5]. Group 1: Legislative Changes - AB 1847, introduced by Assemblymember John Harabedian, extends mortgage relief to 36 months and allows borrowers to repay through a deferral that extends their mortgage [1]. - The previous legislation, AB 238, prohibited lenders from requiring lump-sum repayments and banned late fees, foreclosures, and negative credit reports [2]. - The deadline for applying for the new relief under AB 1847 is extended to January 7, 2029 [5]. Group 2: Borrower Challenges - Borrowers have reported difficulties in obtaining relief under AB 238, often facing conditions that did not comply with the law, such as being forced into loan modifications that could increase interest rates [2][4]. - Issues primarily stem from mortgage servicing companies, while larger institutions like Bank of America have been more accommodating in providing relief [4]. Group 3: Impact of Wildfires - The wildfires in areas like Altadena and Pacific Palisades resulted in at least 31 fatalities and damaged or destroyed over 18,000 homes, highlighting the need for extended relief for affected homeowners [7].