Archive | November, 2011

What is the Independent Foreclosure Review?

10 Nov

Q1. What is the Independent Foreclosure Review?

As part of a consent order with federal bank regulators, the Office of the Comptroller of the Currency (OCC), the Office of Thrift Supervision (OTS) (independent bureaus of the U.S. Department of the Treasury), or the Board of Governors of the Federal Reserve System, fourteen mortgage servicers and their affiliates are identifying customers who were part of a foreclosure action on their primary residence during the period of January 1, 2009 to December 31, 2010.

The Independent Foreclosure Review is providing homeowners the opportunity to request an independent review of their foreclosure process. If the review finds that financial injury occurred as a result of errors, misrepresentations or other deficiencies in the servicer’s foreclosure process, the customer may receive compensation or other remedy.
Q2. What is a foreclosure action? What foreclosure actions are part of the Independent Foreclosure Review?

Foreclosure actions include any of the following occurrences on a primary residence between the dates of January 1, 2009 and December 31, 2010:

* The property was sold due to a foreclosure judgment.
* The mortgage loan was referred into the foreclosure process but was removed from the process because payments were brought up-to-date or the borrower entered a payment plan or modification program.
* The mortgage loan was referred into the foreclosure process, but the home was sold or the borrower participated in a short sale or chose a deed-in-lieu or other program to avoid foreclosure.
* The mortgage loan was referred into the foreclosure process and remains delinquent but the foreclosure sale has not yet taken place.

Q3. How do I know if I am eligible for the Independent Foreclosure Review?

Your loan must first meet the following initial eligibility criteria:

* Your mortgage loan was serviced by one of the participating mortgage servicers in Question 4.
* Your mortgage loan was active in the foreclosure process between January 1, 2009 and December 31, 2010.
* The property was your primary residence.

If your mortgage loan does not meet the initial eligibility criteria outlined above, you can still have your mortgage concerns considered by calling or writing your servicer directly.
Q4. Who are the participating servicers? What mortgage servicers and their affiliates are part of the Independent Foreclosure Review process?

The list of participating servicers includes:

* America’s Servicing Co.
* Aurora Loan Services
* Bank of America
* Beneficial
* Chase
* Citibank
* CitiFinancial
* CitiMortgage
* Countrywide
* EMC
* EverBank/EverHome Mortgage Company
* GMAC Mortgage
* HFC
* HSBC
* IndyMac Mortgage Services
* MetLife Bank
* National City Mortgage
* PNC Mortgage
* Sovereign Bank
* SunTrust Mortgage
* U.S. Bank
* Wachovia Mortgage
* Washington Mutual (WaMu)
* Wells Fargo Bank, N.A.

Q5. What are some examples of financial injury due to errors, misrepresentations or other deficiencies in the foreclosure process?

Listed below are examples of situations that may have led to financial injury. This list does not include all situations.

* The mortgage balance amount at the time of the foreclosure action was more than you actually owed.
* You were doing everything the modification agreement required, but the foreclosure sale still happened.
* The foreclosure action occurred while you were protected by bankruptcy.
* You requested assistance/modification, submitted complete documents on time, and were waiting for a decision when the foreclosure sale occurred.
* Fees charged or mortgage payments were inaccurately calculated, processed, or applied.
* The foreclosure action occurred on a mortgage that was obtained before active duty military service began and while on active duty, or within 9 months after the active duty ended and the servicemember did not waive his/her rights under the Servicemembers Civil Relief Act.

Q6. How does my mortgage loan get reviewed as part of the Independent Foreclosure Review?

Homeowners meeting the initial eligibility criteria will be mailed notification letters with an enclosed Request for Review Form before the end of 2011.

If you believe that you may have been financially injured, you must submit a Request for Review Form postmarked no later than April 30, 2012. Forms postmarked after this date will not be eligible for the Independent Foreclosure Review.

If you have more than one mortgage account that meets the initial eligibility criteria for an independent review, you will receive a separate letter for each. You will need to submit a separate Request for Review Form for each account. It is important that you complete the form to the best of your ability. All information you provide may be useful.
Q7. How can I submit the Request for Review Form?

Homeowners meeting the initial eligibility criteria will be mailed notification letters with an enclosed Request for Review Form before the end of 2011. If you received the notification letter, you can send in your Request for Review Form in the prepaid envelope provided, postmarked no later than April 30, 2012.

If your loan is part of the initial eligible population and you need a new form by mail, have questions, or need help completing the form you have received in the mail, call 1-888-952-9105, Monday through Friday, 8 a.m.–10 p.m. ET or Saturday, 8 a.m.–5 p.m. ET.
Q8. Who can submit or sign the Request for Review Form?

Either the borrower or a co-borrower of the mortgage loan can submit and sign the form. The borrower signing the Request for Review Form should be authorized by all borrowers to proceed with the request for review. In the event of a finding of financial injury, any possible compensation or remedy will take into consideration all borrowers listed on the loan, either directly or to their trusts or estates.
Q9. What if one of the borrowers has died or is injured or debilitated?

Any borrower, co-borrower or attorney-in-fact can sign the form. In the event of a finding of financial injury, any possible compensation or other remedy will take into account all borrowers listed on the mortgage loan either directly or to their trusts or estates.
Q10. Do I need an attorney to request or submit the Request for Review Form?

No. However, if your mortgage loan meets the initial eligibility criteria and you are currently represented by an attorney with respect to a foreclosure or bankruptcy case regarding your mortgage; please refer to your attorney.

The Independent Foreclosure Review is free. Beware of anyone who asks you to pay a fee in exchange for a service to complete the Request for Review Form.
Q11. If I have already submitted a complaint to my servicer, do I need to submit a separate Request for Review Form to participate in this process?

If your mortgage loan meets the initial eligibility criteria, you should submit a Request for Review Form to ensure your foreclosure action is included in the Independent Foreclosure Review process.
Q12. What happens during the review process?

You will be sent an acknowledgement letter within one week after your Request for Review Form is received by the independent review administrator. Your request will be reviewed for inclusion in the Independent Foreclosure Review. If your request meets the eligibility requirements, it will be reviewed by an independent consultant.

Your servicer will provide relevant documents along with any findings and recommendations related to your request for review to the independent consultant for review. Your servicer may be asked to clarify or confirm facts and disclose reasons for events that occurred related to the foreclosure process. You could be asked to provide additional information or documentation. Because the review process will be a thorough and complete examination of many details and documents, the review could take several months.

The Independent Foreclosure Review will determine whether financial injury has occurred as a result of errors, misrepresentations or other deficiencies in the foreclosure process. You will receive a letter with the findings of the review and information about possible compensation or other remedy.
Q13. How do I know who my servicer is? How do I find them?

The company you sent your monthly mortgage payments to is your mortgage servicer. It is not necessarily the company whose name is on the actual foreclosure documents (although in most cases, it is). If you don’t remember the name of the servicer for your foreclosed property, we suggest you review cancelled checks, bank statements, online statements or other records for this information.

If you are still unsure of who your mortgage servicer is or do not see their name listed in Q4, please call 1-888-952-9105, Monday through Friday, 8 a.m.–10 p.m. ET or Saturday, 8 a.m.–5 p.m. ET.
Q14. If I request an Independent Foreclosure Review, is there a cost or will there be a negative impact to my credit?

The Independent Foreclosure Review is a free program. Beware of anyone who asks you to pay a fee in exchange for a service to complete the Request for Review Form.

The review will not have an impact on your credit report or any other options you may pursue related to your foreclosure.
Q15. Where can I call if I need help completing the form or have any questions about the review process?

Call 1-888-952-9105 Monday through Friday, 8 a.m.–10 p.m. ET or Saturday, 8 a.m.–5 p.m. ET. If you have already submitted a Request for Review Form, please have your Reference Number available to expedite your call.
Q16. How are military servicemembers affected by the Independent Foreclosure Review?

In the review, servicers are required to include all loans covered by the Servicemembers Civil Relief Act that meet the qualifying criteria. However, servicemembers or co-borrowers may also request a review through this process. Financial injury may have occurred if the foreclosure action occurred on a mortgage that was obtained before active duty military service began and while on active duty, or within 9 months after the active duty ended.
Q17. How am I affected if I submit a Request for Review Form while in active bankruptcy?

If you submit a Request for Review Form and a review is conducted of your foreclosure process, this will have no impact on your bankruptcy. The letter being sent to you about the Independent Foreclosure Review is not an attempt to collect a debt. If you are in bankruptcy, please refer this letter to your attorney.
Q18. I’m still working with my servicer to prevent a foreclosure sale. Will I still be able to work with them?

Yes, continue to work with your servicer. Participating in the review will not impact any effort to prevent a foreclosure sale. The review is not intended to replace current active efforts with your servicer.
Q19. How long will the review process take and when can I expect a response?

You will be sent an acknowledgement letter within one week after your Request for Review Form is received by the independent review administrator. Because the review process will examine many details and documents, the review could take several months. The Independent Foreclosure Review will determine if financial injury occurred as a result of the servicer’s errors, misrepresentations or other deficiencies in the foreclosure process. You will receive a letter with the findings of the review and information about possible compensation or other remedy. Not every finding will result in compensation or other remedy.
Q20. What happens if the review finds that I was financially injured as a result of errors, misrepresentations or other deficiencies in the foreclosure process?

You will receive a letter with the findings of the review and information about possible compensation or other remedy. The compensation or other remedy you may receive will be determined by your specific situation. Not every finding will result in compensation or other remedy.
Q21. What happens if the review finds that I was not financially injured as a result of errors, misrepresentations or other deficiencies in the foreclosure process?

You will receive a letter with the findings of the review. Not every finding will result in compensation or other remedy.
Q22. What if I disagree with the eligibility requirements or the result of the Independent Foreclosure Review?

The decision of the review is considered final and there is no further recourse within the Independent Foreclosure Review process. The Independent Foreclosure Review will not have an impact on any other options you may pursue related to the foreclosure process of your mortgage loan.
Q23. Does filing a Request for Review Form prevent me from filing other litigation or action against the servicer?

No. Submitting a request for an Independent Foreclosure Review will not preclude you from any other options you may pursue related to your foreclosure

banksters defense

10 Nov

From: Charles Cox [mailto:charles@bayliving.com]
Sent: Thursday, November 10, 2011 6:18 AM
To: Charles Cox
Subject: banksters defense

One of the older play books was sent to me this morning so I thought I’d send this stuff out in case some of you don’t have this info and might find it useful.

Thanks,

Charles
Charles Wayne Cox – Oregon State Director for the National Homeowners Cooperative
Email: mailto:Charles
Websites: http://www.NHCwest.com; www.BayLiving.com; and www.ForensicLoanAnalyst.com
P.O. Box 3065
Central Point, OR 97502
(541) 727-2240 direct
(541) 610-1931 eFax

MERScurseProtect America’s Dream

The LEGAL GroupPRO-NETWORK

JOIN NHC, IT’S FREE

Paralegal; CA Licensed Real Estate Broker; Certified Forensic Loan Analyst. Litigation Support; Mortgage and Real Estate Expert Witness Services.

arguments-you-can-expect-to-be-used-against-us.pdf
Argument.docx
Removing-Cases-to-Federal-Court.pdf
servicing-guidelines-svc1108.pdf
MY GIFTS TO ALL OF YOU.doc
against-pro-se1.pdf

From LivingLies iterogatories for any securitized loan

10 Nov

From: Charles Cox [mailto:charles@bayliving.com]
Sent: Thursday, November 10, 2011 6:02 AM
To: Charles Cox
Subject: From LivingLies

  1. What is the name of the pool
  2. What is the EIN of the pool
  3. Who actually acts in the capacity of Trustee in that they report and/or distribute funds
  4. What IRS Form is used to send an end of year tax statement to investors in the pool?
  5. How many parties are identified as trustees or fiduciaries in the formation of the pool.
  6. Same question but this time “in the operation of the pool.”
  7. Does the pool still exist
  8. Does the subject loan exist in the pool? How do you know that?
  9. Is the person answering these interrogatories personally familiar with the facts arising from the origination of the loan?
  10. Is the person answering these interrogatories personally familiar with the facts rising from the origination of the pool?
  11. Is the person answering these interrogatories personally familiar with the facts arising from the operation of the pool?
  12. When was the pool created? As what type of legal entity?
  13. when is the first time anything was filed with the IRS requesting or declaring REMIC status?
  14. What was the date cut-off date applicable under the REMIC statute?
  15. What was the cutoff date under the PSA?
  16. Was the subject loan transferred into the pool before or after the cut-off date?
  17. If after, please describe the circumstances?
  18. Under what laws was the pool created
  19. What kind of entity is the pool?
  20. Is the Pool filing as qualified for REMIC status?
  21. When did it file for REMIC status
  22. What form was used to report to the IRS for the tax years 2006-present
  23. Is FANNIE an active Trustee? What are the duties of FANNIE and did it perform any of those duties.
  24. Identify the person at Fannie that is in charge of performing trust duties with respect to this pool, including name, status, address, telephone and email address. If the person has not been the same since inception of the pool, identify each person that was employed by FANNIE acting in support of the duties of FANNIE as a Trustee or fiduciary.
  25. Who was the underwriter of the Bonds that were offered to investors?
  26. IS FANNIE an owner in the pool
  27. Is FANNIE an owner of the pool
  28. Is FANNIE the owner of the subject loan
  29. IS the pool the owner of the subject loan
  30. Was ownership of the pool ever changed?
  31. Was ownership of the loans in the pool ever changed
  32. Was the ownership of the subject loan ever changed
  33. Identify all documents of transfer by which any party other than the originator claims to have acquired an interest in the subject loans with sufficient specify such that it would satisfy the requirements for a request to produce.
  34. Where are those documents
  35. Who are the people who actually have custody or control.
  36. Through what kind of account are payments, proceeds, receipts and distributions processed? Who is the owner of said accounts? What persons are signatories on said accounts? By whom are those persons employed? Do such employees operate according to a contract or manual? Where is that manual. Do they operate according to their employment contract? Who are the parties to said contract? Where is a copy of the employment contract? To whom do they report in FANNIE? Do they report to anyone else?
  37. What statements of distributions and receipts does FANNIE prepare?
  38. What statements of receipts or distributions does FANNIE send?
  39. To whom are statements sent?
  40. what is the EIN of Fannie? Does it have more than one EIN? Does it maintain multiple EIN for trusts for which it is the trustee? Does it have subsidiaries or affiliates?
  41. Identify the person or persons having possession of facts and reports showing all receipts and disbursements relative to the pool as reported to investors.
  42. Did the pool receive any benefits or proceeds from insurance or bailout, TARP, credit enhancements? When? How much?
  43. Has any inquiry been made as to whether third parties received such benefits from TARP, bailout, insurance or credit enhancements where such receipts were related to eh status or claimed contents of the pool?
  44. If such proceeds were received by third parties relating to assets of the pool or the status of the pool, explain how those proceeds were reported to investors and how they are allocated as to each investor.
  45. If such an allocation as made to the pool, and to the investors, explain how those proceeds were allocated toward the obligations of borrowers in loans contained in the pool
  46. If no such allocations were made, explain the legal reason why those proceeds were not used as the basis for allocations to the pool, the investors and the borrowers.
  47. If no inquiry was made, explain why no such inquiry was made, who made the decision and whether there are any documents that can be identified with specificity that reflect the decision to refrain from such inquiry.
  48. Including all receipts and disbursements received by or on behalf of the pool, what is the balance due of the subject loan that is due to the investors and how did you compute it? Who did the computation? Where is this person and what is his/her address telephone number etc.
  49. Is the balance due to investors different than the balance claimed as due from the borrower? IF yes, explain why
  50. Has any settlement occurred between the pool, the trustees or servicers of the pool and the investors? When? What were the terms? What document reflects such settlement

pro se litigants and the banksters defense

9 Nov

Against Pro Sepro se litigants and the banksters defense

Foreclosure Starts Rise as Servicers Process Backlog of Delinquent Loans – Decline in Home Prices – 11 More Commercial Banks Pushed to Insolvency

8 Nov

From: Charles Cox [mailto:charles@bayliving.com]
Sent: Tuesday, November 08, 2011 7:00 AM
To: Charles Cox
Subject: Foreclosure Starts Rise as Servicers Process Backlog of Delinquent Loans – Decline in Home Prices – 11 More Commercial Banks Pushed to Insolvency

Foreclosure Starts Rise as Servicers Process Backlog of Delinquent Loans

By: Krista Franks 11/07/2011

Foreclosure starts among private-label residential mortgage-backed securities (RMBS) have been rising toward historic averages over the past six months, which will lead to an influx of distressed properties bringing downward pressure to the housing market, according to recent RMBS Performance Metrics from Fitch Ratings.

According to Fitch, foreclosure start rates for severely delinquent RMBS loans have stayed above 10 percent since September — a rate they have not reached since November 2009 — and have been working their way toward their 14 percent average between 2000 and 2010.

“Rising foreclosure start rates are likely a sign that servicers are playing catch-up on actions that have been delayed over the past year,” states Diane Pendley, managing director of Fitch Ratings.

In fact, the rise in foreclosure starts has occurred most heavily among severely delinquent loans. Foreclosure starts among loans that have been delinquent for six months or more have almost doubled in the past five months.

In contrast, foreclosure starts among loans three months to six months delinquent have increased by 25 percent over the past five months.

The foreclosure process is averaging about eight months in non-judicial states and 15 months in judicial states, according to Fitch.

Despite foreclosure starts being on the rise, foreclosure completions in judicial states hover near their historic lows. Fitch attributes this to “servicers’ continued loss mitigation efforts, a backlog in court foreclosure filings, and weak demand in the housing market.”

About a year after deficiencies in the foreclosure process were brought to light, Pendley says, “Mortgage servicers now generally feel they have implemented the corrective actions that they determined were needed.”

“With corrective actions now in place, servicers now need to process a significant backlog of problem loans as well as implement other process changes in parallel,” she continues.

The effects of rising foreclosure starts as servicers work their way through the backlog of distressed loans may not be evident for more than a year, according to Fitch.

©2011 DS News. All Rights Reserved.

Wall Street Journal- Foreclosures Fall When Banks Forced to Tell The Truth – (IMAGINE THAT!)

8 Nov

From: Charles Cox [mailto:charles@bayliving.com]
Sent: Tuesday, November 08, 2011 7:11 AM
To: Charles Cox
Subject: Wall Street Journal- Foreclosures Fall When Banks Forced to Tell The Truth – (IMAGINE THAT!)

Wall Street Journal- Foreclosures Fall When Banks Forced to Tell The Truth

November 8th, 2011 | Author: Matthew D. Weidner, Esq.

Florida passed a rule that required banks to verify the accuracy and truthiness of the claims they were making in foreclosure cases. The banksters and fraudclosure mills largely ignored the rule, and continue to play games with it even today. But even if anyone had bothered to force compliance with the rule (GASP!) I’m not aware of a single case of any punishment for lying in pleadings filed with the court.

What might happen if someone tried to enforce truthiness in the midst of Florida Fraudclosure? Well, we should look to Nevada and see that foreclosures ground to a halt when that state started (GASP!) requiring the banks to tell the truth.

Now here in FLORIDA, THE MOST CORRUPT STATE IN THE NATION, we could never stand for such a bold initiative…..in fact, Florida is heading in exactly the opposite direction with Florida’s (un)Fair Foreclosure Act….well, the legislators and “leadership” can wallow in their beds made of lies and fraud….the reality is the whole market is a stinking mess, like driving a school bus full of children over a rickety bridge made of sticks. In the end, it’s all coming crashing down. Go ahead foreclosure mills, get all the foreclosure judgments you want….then you just try to sell all those stinking foreclosed properties…..I DARE YOU!…..

But back to the story….just what happens when the banksters are forced to tell the truth??????

Foreclosure filings in Nevada plunged in October during the first month of a new state law stiffening foreclosure-processing requirements.

Slightly more than 600 default notices were filed against homeowners through Oct. 25 in the state’s two most-populous counties, Las Vegas’s Clark County and Reno’s Washoe County. That was down from 5,360 in September, or an 88% drop, according to data tracked by ForeclosureRadar.com, a real-estate website that tracks such filings. Default notices represent the first step in processing foreclosures.

WALL STREET JOURNAL

Lasalle v. Glarum- Team Ice- The Insider’s Briefs Submitted to The Appellate Court! Tom Ice in Florida doing yeoman’s work!

4 Nov

From: Charles Cox [mailto:charles@bayliving.com]
Sent: Tuesday, September 20, 2011 9:59 AM
To: Charles Cox
Subject: Lasalle v. Glarum- Team Ice- The Insider’s Briefs Submitted to The Appellate Court! Tom Ice in Florida doing yeoman’s work!

Lasalle v. Glarum- Team Ice- The Insider’s Briefs Submitted to The Appellate Court!

September 19th, 2011 | Author: Matthew D. Weidner, Esq.

There is a very real and a very profound battle raging across this country. Actually there are many wars and they are not just limited to this country. All around the world in fact, real people are rising up against the overreaching and the abuses of the banks and the power systems that have destroyed our economy, enslaved people and laid waste to our naive notions of due process and justice.

One of the battlefronts in this country are foreclosure courtrooms where dedicated advocates stand up for consumers and fight against the banks and all the power and influence they bring to bear. Every battle is an epic struggle not unlike David taking on several Goliaths all at once. These advocates fight the banks with their armies of lawyers (paid at $600/hour with taxpayer funded bailout money.) and they often fight an entire system predisposed to strike anyone who dares to challenge the awesome power bent on crushing any resistance that dares to stand in the way.

Without a doubt some of the true superheros in this battle are the warriors at Ice Legal in Palm Beach, Florida. The national news has repeated sung their praises, but I daresay not many have actually read the work that lies at the heart of the battle. But today, you can have an insider’s look.

Now, the Glarum case should not have been all that extraordinary. As a good local judge reminded me recently, “That’s always been the law in this state!” But the banks have responded as if the Glarum opinion will mean THE END OF THE WORLD AS WE KNOW IT! The banks have already begun an all out, full stops campaign to attack this decision…and I’m guessing they will bring every single power they can to bear in an effort to attack this plain and clear restatement of the existing law.

I encourage you to read each brief carefully, but before you get there, have a read of a few of my favorite highlights:

In short, appellants argue that it may look like a duck, and quack like a duck, but the court would need a zoologist to testify that it is in fact a duck before it could make that finding.

To adapt the BANK‟s own metaphor: the bare, unsworn statement of its attorney that something looks like a duck and quacks like
a duck is not evidence of a duck.

In Florida, all averments to fraud must be pled with particularity. Rule 1.120(b), Fla.R.Civ.P. (2009). In this case the Appellants amended their answer twice (R.VoI.Three pp.566-567) and never alleged fraud as an affirmative defense. See Supp.R.pp.553-555. They have, however, thrown it around the court room quite a bit.

Section 90.902(8), Florida Statutes (2009), provides that “[ c ]ommercial papers and signatures thereon and documents relating to them, to the extent provided in the Uniform Commercial Code” are self-authenticating. While the Assignment is not commercial paper it is related to the Note and is self authenticating pursuant to 90.902(8). HUH?

The BANK takes the sanctionably irresponsible position that the trial court‟s “factual determinations” in entering summary judgment are to be reviewed for “an abuse of discretion.”1 It is elementary that, if the trial court made factual determinations, it erred in entering summary judgment. Coquina Ridge Properties v. E. W. Co., 255 So. 2d 279, 280 (Fla. 4th DCA 1971) (Summary judgment
reversed because “[t]he trial court may not try or determine factual issues in [summary judgment] proceedings; … substitute itself for the trier of fact and determine controverted issues of fact.”) Not surprisingly, all the cases cited by the BANK for this standard of review
having nothing to do with summary judgment.

Worse than merely misstating the standard of review, the BANK actually employed this incorrect standard throughout its brief. One glaring instance is the BANK‟s contention that summary judgment should be affirmed because “there was not enough evidence to allow Judge Sasser to rule in [“the OWNERS] favor at the summary judgment hearing.” Another example is its statement that “[i]t cannot seriously be argued that what the Appellants have identified as evidence…was enough to allow Judge Sasser to make a finding in their favor.” While the BANK‟s stunningly frivolous assertion regarding the summary judgment standard of review would never have misled this Court, it is nevertheless emphasized here because it is indicative of the BANK‟s lack of concern for accuracy and candor when addressing both this Court and the court below.

Correction to the BANK’s Statement of Facts: The BANK tells this Court that the promissory note, mortgage and assignment were “all…duly recorded in the public records.” There is nothing in the record to suggest that the promissory note was ever recorded.

As often occurs when a proffered assignment of mortgage encounters evidentiary snags, the BANK now claims that it “does not need the Assignment to prevail in this case.”

Having failed to adduce evidence to support its allegations of standing, the BANK cannot now change to a different allegation of
standing during the appeal.

The BANK ridicules the OWNERS insistence that the original mortgage be authenticated as “bizarre” because “if it is not the document they executed, they should feel free to say so.” Quoting the trial court judge during an evidentiary hearing, the BANK suggests that the OWNERS should know if the BANK‟s documents are authentic, simply by looking to see if its terms match the copy they received at closing.

Brief, answer, reply and opinion attached.

glarumopinion.pdf
Glarum+Initial+Brief+FINAL.pdf
Glarum+Reply+Brief.pdf
Craig Bell PropertyDetailPrintable.pdf

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