California's Homeowner Bill of Rights, in effect since Jan. 1, is already helping borrowers in the state fend off foreclosure. The package of laws offers consumers more legal recourse in a system that historically has sided with lenders. Under it, house painter Kevin Singh this month was granted a federal court order to halt a foreclosure action initiated by Bank of America, which had pursued a foreclosure against him even as he was negotiating for a mortgage workout. Singh's court order was the first to use the bill of rights as the basis to stop a home seizure, but several other similar cases now are moving through the California court system. Observers say the trend represents a sea change. "There's recognition in the courts and recognition in the bar that we're actually going to enforce and uphold [laws that protect homeowners]," said Michael Troncoso, chief counsel to state Attorney General Kamala Harris, who lobbied for the Homeowner Bill of Rights.