By concurring with Saxon about the extent of her mortgage obligations, Plaintiff invited the preclusion bar. See 11 U.S.C. § 1327(a) (confirmed plan is binding on the debtor and her creditors); In re Szostek, 886 F.2d at 1408. 4 Plaintiff was required to object to avoid the automatic allowance of Saxon’s claim.

¶¶ 100–119. Plaintiff specifically alleges that Experian’s reporting of his Optimum account is inaccurate because it is reporting as past due with a balance of $433, even after the confirmation of his Chapter 13 bankruptcy plan modified terms of payment pursuant to 11 U.S.C. § 1327. Id.

....................................................................................... 13 Gaffney v. Downey Savings & Loan Assn., 200 Cal.App.3d 1154 (1988) ..................................................................................... 18 Haynes v. EMC Mortg. Corp., 205 Cal.App.4th 329 (2012) ..................................................................................... 15 Lona v. Citibank, N.A., 202 Cal.App.4th 89 (2011) ....................................................................................... 17 Porter v. Superior Court, 73 Cal.App.3d 793 (Ct. App. 1977) .......................................................................... 16 Salazar v. Thomas, 236 Cal.App.4th 467 (2015) ..................................................................................... 12 Wilson & Wilson v. City Council of Redwood City, 191 Cal.App.4th 1559 (2011) ................................................................................... 19 Federal Statutes  11 U.S.C. § 1327(a) ...................................................................................................... 12 11 U.S.C. § 1332(b)(2) ................................................................................................. 12 11 U.S.C. §1332(b)(5) .................................................................................................. 12

THE DOCTRINE OF RES JUDICATA BARS THE ROSSES' CLAIMS. Under 11 U.S.C. § 1327(a): The provisions of a confirmed plan bind the debtor and each creditor, whether or not the claim of such creditor is provided for by the plan, and whether or not such creditor has objected to, has accepted, or has rejected the plan. Section 1327(a) bars the re-litigation of any issue which was decided or which could have been decided at confirmation.