Legal Question in Real Estate Law in California

My question to you is how does a queit title action help you. I assume that the lender has not yet foreclosed, so it is clear they are not the owner and you are. So the suit would not be as to anything in dispute. If they have foreclosed and taken the property, you legally have no right to the property. The lender has a reasonable period of time up to 6 months to request a default be set aside based upon mistake, neglect, etc. If the demurrer was filed before the default judgment was entered, there is no valid default [and the Clerk should never have granted one]. Not knowing the exact situation, I can not suggest what you should do next.