CHAPTER
1 – Mortgages, notes and the Business of Mortgage Backed Securities
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Mortgages
Defined and Analyzed………………………………………………………..
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2
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Promissory
Notes Defined and Analyzed………………………………………………..
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3
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Relating
to Foreclosure Matters………………………………………………………….
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Location
of the Promissory Note Under Routine Servicing……………………………..
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When a
Default Foreclosure Takes Place………………………………………………..
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The
Promissory Note as Evidence……………………………………………………….
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Who
Owns the Promissory Note and Who Owns the Securities………………………...
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Where’s
the Note, Who’s the Holder…………………………………………………….
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UCC
Section 3-309………………………………………………………………………
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Who’s
the Holder………………………………………………………………………...
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Brief
Review of UCC Provisions ………………………………………………………..
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The Rules………………………………………………………………………………...
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Standing………………………………………………………………………………….
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A
Brief Aside: Who is
MERS?..........................................................................................
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Rules of
Evidence – A Practical Problem………………………………………………..
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Foreclosure
or Relief from Stay………………………………………………………….
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Some
Recent Case Law…………………………………………………………………..
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Ohio…………………………………………………………………………………….
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Illinois………………………………………………………………………………….
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New
York………………………………………………………………………………
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California………………………………………………………………………………
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Texas…………………………………………………………………………………..
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Summary…………………………………………………………………………………
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Essay
on Lost Notes……………………………………………………………………...
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Lost
note / Destroyed Note………………………………………………………………
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Nominal
Lender………………………………………………………………………….
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Early
Amortization Event (EAE)………………………………………………………...
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Toxic Waste……………………………………………………………………………...
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5
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Mortgage
Securitization…………………………………………………………………
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About
the Mortgage Pooling and Servicing Agreement…………………………………
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Procedure
in Foreclosure Cases………………………………………………………….
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Finding
Pooling and Servicing Agreements for Securitized Mortgage Loans…………..
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The
Mortgage Backed Security Pooling and Service Agreement……………………….
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Introduction………………………………………………………………………………
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Mortgage
Backed Securities……………………………………………………………..
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Pooling
and Servicing Agreement……………………………………………………….
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Parties
Involved in a PSA………………………………………………………………..
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Contents
of a PSA………………………………………………………………………..
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29
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Article I:
Definitions…………………………………………………………………...
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Article II Conveyance of Mortgage Loans;
Representations and Warranties…………
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Article III: Administration and Servicing
of Mortgage Loans………………………...
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34
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Article IV:
Distributions……………………………………………………………….
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36
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Article V:
Certificates………………………………………………………………….
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37
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Article VI:
Depositor…………………………………………………………………..
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Article VII:
Default…………………………………………………………………….
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38
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Article VIII: Concerning the
Trustee…………………………………………………..
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38
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Article IX: Administration of the Mortgage
Loans by the Master Servicer…………..
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40
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Article X: Concerning the Securities
Administrator…………………………………..
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44
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Article XI:
Termination………………………………………………………………..
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46
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Article XII: Miscellaneous
Provisions…………………………………………………
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46
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Chapter 2 – Foreclosure Requirements,
Practice and Procedure
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Judicial vs. Non Judicial
Foreclosures…………………………………………………..
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48
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1
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Non
Judicial Foreclosures………………………………………………………………..
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48
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Procedure
in Non Judicial States………………………………………………………...
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49
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Deed of Trust
Defined………………………………………………………………….
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49
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Example
of Timeline: California ………………………………………………………
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51
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Example of Timeline: California – Chart……………………………………………...
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52
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2
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Judicial
Foreclosures……………………………………………………………………..
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53
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Elements
of a Foreclosure Complaint……………………………………………………
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53
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Execution………………………………………………………………………………
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53
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Legal
Description………………………………………………………………………
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53
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Plaintiff’s
Status………………………………………………………………………..
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Joinder………………………………………………………………………………….
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54
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Description of
default…………………………………………………………………..
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54
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Acceleration
Clause……………………………………………………………………
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54
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Caveat: Right of
Redemption…………………………………………………………..
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55
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General
Foreclosure Practices and Procedures…………………………………………..
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55
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Discussion
of Terms, Definitions and Procedures……………………………………….
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55
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Standing………………………………………………………………………………..
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55
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Notice of Lis
Pendens………………………………………………………………….
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Service of
Process……………………………………………………………………...
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56
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Response……………………………………………………………………………….
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56
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Default………………………………………………………………………………….
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Proof
Necessary………………………………………………………………………..
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Judgment……………………………………………………………………………….
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Sale
of Property………………………………………………………………………...
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Objection to Sale……………………………………………………………………….
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Redemption…………………………………………………………………………….
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Certificate of
Title……………………………………………………………………...
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Possession……………………………………………………………………………...
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Deficiency
Judgment…………………………………………………………………...
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57
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Setting Aside Completed Sale………………………………………………………….
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57
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3
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Alternatives
to Foreclosure………………………………………………………………
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58
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Reinstatement
of Loan…………………………………………………………………...
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58
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Refinance…………………………………………………………………………………
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Repayment
Plan………………………………………………………………………….
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Forebearance……………………………………………………………………………..
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Deed
in Lieu of Foreclosure……………………………………………………………...
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Cash
for Keys…………………………………………………………………………….
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59
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Short
Sale………………………………………………………………………………...
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Short Sale
Guidelines…………………………………………………………………..
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Credit
Repair……………………………………………………………………………..
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Mortgage
Modification…………………………………………………………………..
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Loss
Mitigation Defined…………………………………………………………………
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If No Complaint
Has Been Filed…………………………………………………………
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Morality
Issue……………………………………………………………………………
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64
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Contact
Your Lender…………………………………………………………………….
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Pitfalls……………………………………………………………………………………
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Default
Servicing………………………………………………………………………...
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67
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Modification
Rates……………………………………………………………………….
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67
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Bankruptcy……………………………………………………………………………….
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68
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Avoiding
Foreclosure Scams…………………………………………………………….
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69
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4
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Taxes and
IRS Form 1099……………………………………………………………….
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70
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Legal
Arguments…………………………………………………………………………
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70
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Mortgage
Forgiveness of Debt Relief Act of 2007………………………………………
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71
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5
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Borrower’s
Procedure in Foreclosure Matter……………………………………………
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72
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If You
Have Been Served with a Complaint……………………………………………..
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72
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Modifications…………………………………………………………………………..
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72
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Qualified Written
Requests…………………………………………………………….
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72
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Audit……………………………………………………………………………………
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72
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Proof of
Ownership…………………………………………………………………….
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73
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Loan history……………………………………………………………………………
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73
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Legal
Response………………………………………………………………………...
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73
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QWR…………………………………………………………………………………...
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73
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Notice of Appearance and
Unavailability……………………………………………...
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73
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Borrower’s Demand for Disclosure Required
by RESPA……………………………..
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73
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Demand for Written Verification of
Reinstatement and Payoff Figures……………...
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73
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Motion to Dissolve Lis
Pendens………………………………………………………..
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74
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Motion to
Abate………………………………………………………………………..
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74
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Motion to dismiss for Lack of
Standing……………………………………………….
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74
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Motion for More Definite
Statement…………………………………………………..
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74
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Discovery………………………………………………………………………………
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74
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Additional Motions to
Dismiss………………………………………………………...
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74
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Negotiate……………………………………………………………………………….
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75
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Settlement and or
Mediation…………………………………………………………...
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75
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Answer Affirmative Defense and
Counterclaims……………………………………...
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76
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Plaintiff’s Motion for Summary
Judgment…………………………………………….
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76
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Pitfalls………………………………………………………………………………….
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77
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Foreclosure
Requirements……………………………………………………………...
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77
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Summary Judgment
Hearing…………………………………………………………...
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78
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6
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How to
Avoid Foreclosure………………………………………………………….........
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80
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What
Happens When I Miss My Mortgage Payments? …………………………………
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80
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What Should
I Do? ………………………………………………………………………
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80
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What
Are My Alternatives? ……………………………………………………………..
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80
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Special
Forbearance……………………………………………………………………
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80
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Mortgage
Modification………………………………………………………………...
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80
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Partial
Claim…………………………………………………………………………...
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81
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Deed in Lieu of
Foreclosure……………………………………………………………
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81
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How Do
I Know if I Qualify for Any of Those Alternatives? …………………………..
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81
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Should
I be Aware of Anything Else? …………………………………………………..
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81
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Are
There Any Precautions I Can Take? ………………………………………………..
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82
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What
Are the Main Points I Should Remember? ………………………………………..
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82
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Chart Outlining
Foreclosure Procedure in Each State…………………………………...
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83
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Foreclosure
Law in Each State…………………………………………………………...
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86
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Arkansas………………………………………………………………………………..
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86
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Connecticut…………………………………………………………………………….
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88
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Delaware……………………………………………………………………………….
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89
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Florida………………………………………………………………………………….
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90
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Iowa…………………………………………………………………………………….
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91
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Illinois………………………………………………………………………………….
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92
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Indiana………………………………………………………………………………….
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93
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Kansas………………………………………………………………………………….
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94
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Kentucky……………………………………………………………………………….
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95
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Louisiana……………………………………………………………………………….
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96
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Montana………………………………………………………………………………..
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97
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North
Dakota…………………………………………………………………………...
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99
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Nebraska………………………………………………………………………………..
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100
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New
Jersey……………………………………………………………………………..
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101
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New
Mexico……………………………………………………………………………
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102
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New
York………………………………………………………………………………
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103
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Ohio…………………………………………………………………………………….
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104
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Oklahoma………………………………………………………………………………
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105
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Pennsylvania…………………………………………………………………………...
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107
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South
Carolina…………………………………………………………………………
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108
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Utah…………………………………………………………………………………….
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109
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Vermont………………………………………………………………………………..
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110
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Wisconsin
……………………………………………………………………………..
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113
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Non-Judicial
Foreclosure States………………………………………………………….
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115
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Alabama………………………………………………………………………………..
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113
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Alaska…………………………………………………………………………………..
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117
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Arizona…………………………………………………………………………………
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119
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California………………………………………………………………………………
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121
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Colorado……………………………………………………………………………….
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123
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Washington
DC………………………………………………………………………..
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125
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Georgia…………………………………………………………………………………
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126
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Hawaii………………………………………………………………………………….
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127
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Idaho……………………………………………………………………………………
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129
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Massachusetts………………………………………………………………………….
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130
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Maryland……………………………………………………………………………….
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132
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Maine…………………………………………………………………………………..
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134
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Michigan……………………………………………………………………………….
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135
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Missouri………………………………………………………………………………..
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136
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Minnesota………………………………………………………………………………
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137
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Mississippi…………………………………………………………………………......
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138
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North
Carolina…………………………………………………………………………
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138
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New
Hampshire………………………………………………………………………..
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141
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Nevada………………………………………………………………………………….
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143
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Oregon………………………………………………………………………………….
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145
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Rhode
Island…………………………………………………………………………...
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147
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South
Dakota…………………………………………………………………………...
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149
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Tennessee………………………………………………………………………………
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151
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Texas…………………………………………………………………………………...
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153
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Virginia………………………………………………………………………………...
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154
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Washington…………………………………………………………………………….
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156
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West
Virginia…………………………………………………………………………..
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158
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Wyoming……………………………………………………………………………….
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160
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The
Mortgage Forgiveness Debt Relief Act and Debt Cancellation ……………………
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162
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Chapter 3 – Form Letters
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Introduction………………………………………………………………………………
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167
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Qualified
Written Request……………………………………………………………….
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167
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12
U.S.C. Section 2605…………………………………………………………………...
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168
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Debt
Dispute Letter………………………………………………………………………
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169
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Truth
in Lending Act……………………………………………………………………..
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169
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Form 1
– Request for Exclusive RESPA Address for a Qualified Written Request…….
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171
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Form 2
– Qualified Written Request……………………………………………………..
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172
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Form 3
– Qualified Written Request……………………………………………………..
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174
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Form 4
– Qualified Written Request (Bankruptcy) ……………………………………..
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176
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Form 5
– Qualified Written Request (Bankruptcy) ……………………………………..
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178
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Form 6
– Qualified Written Request (Bankruptcy) ……………………………………..
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182
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Form 7
– Debt Dispute Letter……………………………………………………………
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184
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Form 8
– Debt Dispute Letter 2. ……………………….……………………………......
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185
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Form 9
– When Answer to QWR is Insufficient…………………………………………
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186
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Chapter 4 – Affidavits, Assignments and How
to Spot Fraud
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Affidavits………………………………………………………………………………...
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188
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Reasons Why Tour Affidavit is False of
Fraudulent…………………………………..
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189
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Foreclosure
Tips………………………….…………………………………………….
|
189
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MERS…………………………………………………………………………………..
|
190
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JPMorgan Chase Bank…………………………………………………………………
|
191
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David Stern Law
Offices……………………………………………………………….
|
191
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Discovery……………………………………………………………………………….
|
192
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Requirements
for a Valid Affidavit……………………………………………………...
|
193
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Affidavit’s
Competency………………………………………………………………..
|
193
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Affidavit Properly
Notarized…………………………………………………………...
|
193
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Affidavit’s Personal
Knowledge……………………………………………………….
|
194
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Must Be Based on Ultimate
Facts……………………………………………………...
|
194
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Documents Must be Attached and
Verified……………………………………………
|
195
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Discretion………………………………………………………………………………
|
195
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Freddy Mac
Handbook…………………………………………………………………
|
195
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Assignments………………………………………………………………………………
|
197
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Assignment Defined……………………………………………………………………
|
197
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Assignments are
Offered……………………………………………………………….
|
197
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Relating to Foreclosure
Cases………………………………………………………….
|
198
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Ten Quick Foreclosure
Tips Regarding Assignments…………………………………
|
198
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Twelve Legal Reasons Why
the Assignment is Either Invalid or Fraudulent…………
|
199
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Endorsement……………………………………………………………………………
|
204
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Yes……………………………………………………………………………………
|
204
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Negotiable
Instrument………………………………………………………………..
|
204
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Negotiability…………………………………………………………………………
|
205
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Indorsement…………………………………………………………………………..
|
205
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Conclusion……………………………………………………………………………
|
206
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Endorsement II: Timing of
Assignment………………………………………………..
|
206
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Pooling and Servicing
Agreements…………………………………………………..
|
206
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Sample PSA Language …………………………………………………………...
|
207
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Assignment Dated After Commencement of Foreclosure
Action…………………..
|
208
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Remedies……………………………………………………………………………..
|
210
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Fraud
on the Court and a Decision of the Remedies Available………………………….
|
211
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Citations
and Notes……………………………………………………………………….
|
218
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Appendix
A……………………………………………………………………………….
|
222
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200 Signs the You Have A False
Document…………………………………………...
|
223
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Chapter 5 - Motions – Tested Motions,
Responses and Directions
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Motions
Defined………………………………………………………………………….
|
231
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Tested
Motions and Pleadings……………………………………………………………
|
231
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Chapter 660 Trust Business.
…………………………………………………………...
|
234
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CD
Version……………………………………………………………………………….
|
243
|
|
|
Notice
of Appearance and Unavailability. ………………………….…………………...
|
245
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|
|
Motion
to Dissolve/Discharge Lis Pendens and For Attorney Fees……………………..
|
246
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|
|
Motion
for Order Quashing Service of Process………………………………………….
|
248
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|
|
Borrower
Demand for Disclosure Required by RESPA…………………………………
|
250
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|
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Defendants
Demand for Written Verification of Reinstatement and Payoff
|
|
|
|
Figures for Consumer
Debt…………………………………………………………….
|
251
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|
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Motion
to Abate…………………………………………………………………………..
|
252
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|
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Defendants Motion To Set Aside Plaintiff’s Order For
Substitution
|
|
|
|
And
Motion To Dismiss Plaintiff’s Complaint, Or In The Alternative,
|
|
|
|
Motion For More Definite Statement………………………………………………….
|
255
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|
|
Defendant’s
Motion to Dismiss/Abate Action for Failure to Substitute Plaintiff………
|
265
|
|
|
Defendant’s
Motion to Dismiss/Abate Action for Failure to Substitute Plaintiff………
|
267
|
|
|
Defendant’s
Motion to Dismiss/Abate Action for Failure to Substitute Plaintiff………
|
269
|
|
|
Defendant’s
Motion to Dismiss Complaint, Alternatively to Make More
|
|
|
|
Definite and
Certain……………………………………………………………………
|
271
|
|
|
Defendant’s
motion to Dismiss…………………………………………………………..
|
274
|
|
|
Motion
to dismiss Amended Complaint for Fraud on the Court………………………...
|
279
|
|
|
Defendant’s
Memorandum in Support of Defendant’s Motion to Dismiss Action……..
|
284
|
|
|
Motion
to Compel………………………………………………………………………...
|
291
|
|
|
Defendant’s Motion To Cancel Summary Judgment
Hearing, Dismiss Plaintiff’s
|
|
|
|
Complaint, Or In The Alternative, Motion For More Definite Statement
…………….
|
296
|
|
|
Defendant ‘S Verified Affidavit And Motion To Set
Aside Default, Cancel
|
|
|
|
Summary
Judgment Hearing, For More Definite Statement And For Leave To File
|
|
|
|
Belated Answer, Affirmative Defenses, Counterclaims And
Cross-Claims…………..
|
300
|
|
|
Chapter
1 Defendant ’S Response To
Plaintiff’s Motion For Summary Final
|
|
|
|
Judgment, And For Attorney’s Fees And
Costs………………………………………..
|
304
|
|
|
Defendants
Memorandum In Opposition to Summary Judgment……………………….
|
310
|
|
|
Affidavit
of Your Name in Support of Defendant’s Response to
|
|
|
|
Plaintiff Motion for Summary Judgment…………..…………………………………..
|
315
|
|
|
Affidavit
of Your Name in Support of Defendant’s Response to
|
|
|
|
Plaintiff Motion for
Summary Judgment………………………………………………
|
317
|
|
|
Defendant’s
Response to Plaintiff’s Motion for Summary Judgment of
|
|
|
|
Foreclosure and to Re-Establish
a Lost Instrument……………………………………
|
319
|
|
|
Defendant’s
Motion for Final Summary Judgment……………………………………..
|
324
|
|
|
Amended
Motions for Summary Judgment……………………………………………...
|
335
|
|
|
Defendant’s
Motion for Protective Order………………………………………………..
|
337
|
|
Chapter 6 – Discovery
|
|
|
Definitions,
Types, Objections & Forms………………………………………………..
|
339
|
|
|
Discovery……………………………………………………………………………….
|
339
|
|
|
Parties…………………………………………………………………………………..
|
339
|
|
|
Witnesses……………………………………………………………………………….
|
340
|
|
|
Deponent……………………………………………………………………………….
|
340
|
|
|
Evidence………………………………………………………………………………..
|
340
|
|
|
Types
of Discovery……………………………………………………………………….
|
340
|
|
|
Written
Interrogations………………………………………………………………….
|
340
|
|
|
Request for Production of
Documents…………………………………………………
|
341
|
|
|
Request for
Admissions………………………………………………………………...
|
341
|
|
|
Depositions……………………………………………………………………………..
|
341
|
|
|
Objections
to Discovery………………………………………………………………….
|
342
|
|
|
Motion for Protective
Order……………………………………………………………
|
342
|
|
|
Overcoming
Objections to Discovery & Failure to Respond……………………………
|
342
|
|
|
Motion to compel.
……………………………………………………………………..
|
342
|
|
|
Specifically Relating to Foreclosure
Cases……………………………………………
|
342
|
|
|
Foreclosure
Defense……………………………………………………………………...
|
343
|
|
|
Request
for Admissions Checklist……………………………………………………….
|
343
|
|
|
Standing………………………………………………………………………………...
|
343
|
|
|
Assignments…………………………………………………………………………….
|
344
|
|
|
Endorsements…………………………………………………………………………..
|
344
|
|
|
Witnesses……………………………………………………………………………….
|
344
|
|
|
Loan Servicing………………………………………………………………………….
|
345
|
|
|
Servicing
Requirements-HAMP………………………………………………………..
|
345
|
|
|
Servicing
Requirements-HUD………………………………………………………….
|
346
|
|
|
Loan
Origination………………………………………………………………………..
|
346
|
|
|
Fees / Charges…………………………………………………………………………..
|
346
|
|
|
Payment
History………………………………………………………………………..
|
347
|
|
|
Lost Note………………………………………………………………………………..
|
347
|
|
|
Truth In
Lending………………………………………………………………………..
|
347
|
|
|
Securitized Trusts………………………………………………………………………
|
347
|
|
|
MERS…………………………………………………………………………………..
|
350
|
|
|
Certificate of Authority………………………………………………………………...
|
353
|
|
|
General /
Misc………………………………………………………………………….
|
353
|
|
|
Service of Process………………………………………………………………………
|
353
|
|
|
Negotiable
Instrument………………………………………………………………….
|
354
|
|
|
Federal / Florida Debt Collection
Practices Act
|
|
|
|
Mortgage Revenue Bond
Program…………………………………………………...
|
355
|
|
|
Interrogatory
Checklist…………………………………………………………………...
|
356
|
|
|
Standing………………………………………………………………………………...
|
356
|
|
|
Evidence………………………………………………………………………………..
|
357
|
|
|
Assignments…………………………………………………………………………….
|
357
|
|
|
Servicing Requirements………………………………………………………………..
|
359
|
|
|
Witnesses……………………………………………………………………………….
|
361
|
|
|
Fees /
Charges…………………………………………………………………………..
|
362
|
|
|
Payment
History………………………………………………………………………..
|
364
|
|
|
General………………………………………………………………………………….
|
365
|
|
|
Lost Note……………………………………………………………………………….
|
366
|
|
|
MERS…………………………………………………………………………………..
|
366
|
|
|
Securitized
Trusts………………………………………………………………………
|
367
|
|
|
FDCPA/FCCPA
|
|
|
|
Truth In
Lending……………………………………………………………………..
|
368
|
|
|
Force-Placed
Insurance…………………………………………………………………
|
369
|
|
|
Broker Price
Opinions………………………………………………………………….
|
371
|
|
|
Request
for Production Checklist………………………………………………………...
|
373
|
|
|
Standing………………………………………………………………………………...
|
373
|
|
|
Assignments…………………………………………………………………………….
|
373
|
|
|
Evidence………………………………………………………………………………..
|
373
|
|
|
Servicing
Requirements………………………………………………………………..
|
375
|
|
|
Property
Inspections…………………………………………………………………...
|
377
|
|
|
Loan
Origination………………………………………………………………………..
|
377
|
|
|
Fees /
Charges…………………………………………………………………………..
|
379
|
|
|
Payment
History………………………………………………………………………..
|
382
|
|
|
Lost Note……………………………………………………………………………….
|
383
|
|
|
MERS…………………………………………………………………………………..
|
383
|
|
|
General /
Misc………………………………………………………………………….
|
384
|
|
|
Reinstatement…………………………………………………………………………..
|
384
|
|
|
Securitized Trusts………………………………………………………………………
|
385
|
|
|
Truth in
Lending………………………………………………………………………..
|
387
|
|
|
Federal / Florida Debt Collection
Practices Act……………………………………….
|
387
|
|
|
Forced
Insurance……………………………………………………………………….
|
387
|
|
|
Broker Price
Options…………………………………………………………………...
|
388
|
|
|
Forms……………………………………………………………………………………..
|
389
|
|
|
Defendant Request for
Production of Documents……………………………………..
|
389
|
|
|
Defendant’s First Request for
Production……………………………………………...
|
391
|
|
|
Defendant Request for
Production of Documents……………………………………..
|
395
|
|
|
Defendant’s Request to
Produce……………………………………………………….
|
402
|
|
|
Defendant’s First Interrogatories to
Plaintiff………………………………………….
|
412
|
|
|
Defendant’s Interrogatories to Plaintiff
Regarding Standing and Fraud………………
|
414
|
|
|
Interrogatories on
Standing…………………………………………………………….
|
419
|
|
|
Defendant’s First Interrogatories to
Plaintiff………………………………………….
|
423
|
|
|
Defendant’s First Set of Interrogatories
to Plaintiff…………………………………..
|
430
|
|
|
Defendant’s First Set of Interrogatories
to Plaintiff Bank ……………………………
|
436
|
|
|
Defendant’s First Request for
Admissions…………………………………………….
|
443
|
|
|
Notice of Taking Deposition Duces
Tecum ………………………………………….
|
447
|
|
|
Definitions
……………………………………………………………………………..
|
449
|
|
|
Motion
to compel………………………………………………………………………...
|
458
|
|
Chapter 7 – Answers, Affirmative Defenses and
counterclaims
|
|
|
Answer……………………………………………………………………………………
|
459
|
|
|
Affirmative
Defenses…………………………………………………………………….
|
460
|
|
|
First
Affirmative Defense………………………………………………………………..
|
462
|
|
|
Sample Pleading – First
Affirmative Defense…………………………………………
|
462
|
|
|
Second
Affirmative Defense……………………………………………………………..
|
464
|
|
|
Sample Pleading – Second Affirmative
Defense………………………………………
|
464
|
|
|
Third
Affirmative Defense……………………………………………………………….
|
465
|
|
|
Sample Pleading – Third Affirmative Defense………………………………………...
|
465
|
|
|
Fourth
Affirmative Defense……………………………………………………………...
|
468
|
|
|
Sample Pleading – Fourth
Affirmative Defense……………………………………….
|
468
|
|
|
Fifth
Affirmative Defense………………………………………………………………..
|
469
|
|
|
Sample – Fifth Affirmative
Defense…………………………………………………...
|
469
|
|
|
Sixth
Affirmative Defense……………………………………………………………….
|
470
|
|
|
Sample – Sixth
Affirmative Defense…………………………………………………..
|
470
|
|
|
Seventh
Affirmative Defense…………………………………………………………….
|
471
|
|
|
Sample – Seventh Affirmative
Defense………………………………………………..
|
471
|
|
|
Eighth
Affirmative Defense……………………………………………………………...
|
475
|
|
|
Sample – Eighth
Affirmative Defense…………………………………………………
|
475
|
|
|
Ninth Affirmative
Defense……………………………………………………………….
|
477
|
|
|
Sample – ninth
Affirmative Defense…………………………………………………..
|
477
|
|
|
Tenth
Affirmative Defense……………………………………………………………….
|
478
|
|
|
Sample – Tenth
Affirmative Defense………………………………………………….
|
479
|
|
|
Counterclaim……………………………………………………………………………..
|
480
|
|
|
Counterclaims
in Mortgage Foreclosure…………………………………………………
|
481
|
|
|
Sample
Pleading For Counterclaim Declaratory and Injunctive Relief…………………
|
482
|
|
|
Consumer
Collections Act Violations……………………………………………………
|
484
|
|
|
Sample Pleading for
Counterclaim Consumer Collections Act Violation…………….
|
484
|
|
|
Breach
of Fiduciary Duty………………………………………………………………...
|
486
|
|
|
Sample Pleading for counterclaim
Brach of fiduciary Duty…………………………..
|
486
|
|
|
Breach
of Obligation of Good Faith and Fair Dealings………………………………….
|
487
|
|
|
Sample Pleading Breach
of Obligation of Good Faith and Fair Dealings……………..
|
487
|
|
|
Breach
of Contract………………………………………………………………………..
|
488
|
|
|
Sample Pleading for Counterclaim Breach of
Contract…………………………..…...
|
488
|
|
|
Florida Deceptive and Unfair trade
Practices Act……………………………………..
|
489
|
|
|
Forms –
Sample Pleadings in Full……………………………………………………….
|
491
|
|
|
Defendant’s Answer, Affirmative Defenses,
Counterclaim and Demand for Jury trial
|
492
|
|
|
First Affirmative Defense – Failure to Cause a State of Action………………………...
|
495
|
|
|
Second
Affirmative Defense – Failure of Contractual Condition Precedent……………
|
496
|
|
|
Third
Affirmative Defense – Plaintiff Failed to Comply With Applicable Pooling
|
|
|
|
And Servicing
Agreement Loan………………………………………………………..
|
496
|
|
|
Fourth
Affirmative Defense – Failure of Good Faith Dealing and Unfair
|
|
|
|
And Unacceptable Loan
Servicing……………………………………………………..
|
498
|
|
|
Fifth
Affirmative Defense – Illegal Charges Added to Balance…………………………
|
498
|
|
|
Sixth Affirmative
Defense – Unclean Hands…………………………………………….
|
498
|
|
|
Seventh
Affirmative Defense – Tila
Violations…………………………………………
|
499
|
|
|
Eighth
Affirmative Defense – Improper Collection and/or Credit of Payments………..
|
502
|
|
|
Ninth Affirmative
Defense – Failure to Join Indispensible Party……………………….
|
503
|
|
|
Tenth
Affirmative Defense – Failure to Comply with Florida Statute 559.715………...
|
503
|
|
|
Counterclaim
Count I Declaratory and Injunctive Relief………………………………..
|
505
|
|
|
Count II Consumer Collections Act Violations………………………………………..
|
506
|
|
|
Count III Breach of
Fiduciary Duty……………………………………………………
|
507
|
|
|
Count IV Breach of
Obligation of Good Faith and Fair Dealings……………………..
|
508
|
|
|
Count V Breach of
Contract……………………………………………………………
|
508
|
|
|
Count VI TILA. ………………………………………………………………………..
|
508
|
|
|
Demand
for Jury Trial. …………………………………………………………………..
|
512
|
|
|
Defendant’s
Answer to First Amended Complaint………………………………………
|
513
|
|
|
Defendant’s
Answer Affirmative Defenses and Counterclaims…………………………
|
531
|
|
|
Defendant
Answer, Affirmative Defenses and Counterclaim…………………………
|
542
|
|
|
Sample
Alabama Answer Affirmative Defenses and Counterclaim…………………….
|
570
|
|
|
Sample
Pleading State of Oregon………………………………………………………...
|
595
|