Distinguishing In re Pecan Groves of America (9th Cir. 1991) 951 F.2d 242, this decision holds that a creditor with a security interest in the debtor’s real property has standing to quiet title to the property based on the fact that the homeowners association foreclosed on the property while the automatic stay was in effect on the debtor’s bankruptcy. Under Nevada law, a foreclosure held during the automatic stay is void, not merely voidable, and so can be set aside by a competing creditor even though under federal bankruptcy law, the automatic stay protects only the debtor not its creditors.