Johnson v. Federal Home Loan Mortgage Corp. et al, No. 7:2012cv00507 - Document 25 (W.D. Va. 2013)
Court Description: MEMORANDUM OPINION. Signed by Judge Samuel G. Wilson on 07/11/2013. (rkc)
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cŠ- sOFFI U.e. ST rn lRT V DS . 1 AT* 0< : VA FL P IE I TH E UNI N TED STATES DISTRI COURT CT FO R T H E W ESTER N DISTR IC T O F V IR G INIA ROANO KE DI I ON V SI M O N I A W .JO H N SO N , C J 12 2 1 UL 23 J AC. ULI DUQL CLERK EM BK Ci lA c i N o.7: v00507 vi t on 12c Pl nt f , ai i f M EM O M N DU M O PI NION FE DE R A L H O M E LO A N M O R T G A G E C O R PO M TI N e . O tal, De e f ndant . s By:Sam ue G .W is n l lo Unied St e D i t i tJudge t at s s r c Thi i a a ton by pl ntf M oni aW .J hns ag ns Fe r lHome Loa M orgage s s n ci ai if c o on ai t de a n t Copo ai (ç e eMac', e nta s c s i i ers t J on' morgage ,W els r r ton t ddi Fr ' defnda nd uc esor n nt et o ohns s t e l ) Fa g BnnkN. (ç e1sFa go' ;r te,Sa l1W hie,PC C$ hie';Fi ncilAsocaes ro A.1W 1 r ' tuse mue . t ) W t') na a s it M ak tng Ic (Tia ca Aso its', Vign ac r o aint a pef r f rco u ers u r ei ,n . 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ECF 8 3 e h ss d e ) e to 2 f o n o ' e d f r s r ltng t a eer ton pr des ea i o cc l a i ovi : Le r s l gi notc t Bor ow e pror t a e e a i f l i Bor ow e ' nde ha l ve i e o r r i o cc l r ton olow ng r rs br ac of a c na o a ee e i t s Se trt I t m e .... The notc e h ny ove nt r gr m nt n hi c liy nsnz nt ie s l s cf ( t de a t ( t a tonr uie t clet deful;( adae, hal pe iy: a) he f ul; b) he ci eq rd o tr he a t c) t notl t 30 days f om t da e t notce i gi t Bor ow er by w hi t ess han r he t he i s ven o r , ch he dea tmus beczed;a ( t tf l et clet dea tonorbeor t dae ful t lr nd d) ha aiur o tr he ful f e he t s c fe i t no i m a r ul i a e e a i of t s s s c ed by t s pe ii d n he tce y es t n cc l r ton he um e ur hi Se t i I t me ta d s l o te P o ry T e n tc s a l u t e if r clt nsnz n n ae f h r pet. h o ie h l f rh r n o m ry 5 Bo r we o herg tt r isaeatrac ee a ina dt erg tt b ig ac u t ro r ft ih o en t t f e c lr to n h ih o rn o r a t n t a s r t n n e itn eo df lo a y oh rdf n eo r o rt ci o s et he o -xse c fa eaut r n te ee s fBo r we o o acc e ato ands e elr in al . De do Tnlt1 ECF No. - (mp a i a d d .Ac o dn t J h o at o g t n tc s e f s 6, 16 e h ss d e ) c r ig o o ns n, l u h he oie he h r c i d bef ea e e a i i o m e he ofhe de a t t a ton s wasr uie t t ket e eve or cc l r ton nf r d r r f ul, he c i he eq r d o a o c ehe def ul,a a opra eda eby whih s mus c ehe de aul,a t c ç nc of ur r a t n ppr it t c he t ur r f t nd he ons que es notczi by t tdae, henotc wasne rhees dek intbe us i f ie t ta k Se ton lrng ha t t ie ve t l s t e ca e t a ld o r c c i 225 l ngua r quii t lnde t notf t bor o rofherG i t brng aco ta ton t sa ge e rng he e r o iy he r we t ght o i r ur c i o as e t henon- xit nc ofa de a tora ot rdef ns ofborowe t ac elr to a s l ' sr t e se e f ul ny he e e r r o c e ai n nd ae. ' He cam i id sig iha l fo t ecam ma eb a t e b ro ra drj ce b t e r li s n itn u s be r m h li d y noh r o r we n ee td y h cour i M anni v. el Fa go Ba N . The c tfndst tc s i tuci a f l i. tn t c W ls r nk. A. our i ha a e nsr tve nd olows t Thedee oftus i M aani co ane a e e a i pr so i ntc lt t e d r t n t c nt i d cc l r ton ovii ns de ia o hos co a ne i J nt i d n ohns sde oftus,a whe t m o t gor , heM a a c ,lt rde a td o on' ed r t nd n he rga s t t ni s a e f ule n t i l n, he r ce ved a notc fom t rl r W elsFa go,c a ni l ng ge i ntc lt he r oa t y e i i e r hei ende , l r ont i ng a ua de i a o t l nguag i t notc J he a e n he i e ohns r ce ve he e. I di m i sng t M a ani sbr c ofc t ac on e i d r n s s i he f c' ea h on r t cai ,hec tc l d t tGde piet abs e oft wor to brng ac ta ton,'t l m t our onc ude ha t s t he enc he ds t i our c i ''he lngua co a ne i t a elr ton notc m a e i l co ple wih t dee oft s by a ge nt i d n he cc e a i ie t raly m id t he d nlt pr di t m o t gor wihr a ona eno i er r ng t i rg si t e ntof ovi ng he rga s t e s bl tc ega di her i ht n he ve f e l m e,i udi t i rgh t a s r a l ga de e e t y m i ha M a a c, 2 or c os ncl ng her i t o s e t ny e l f ns s he ght ve. t ni 201 W L 43 1 3 , t* (i to o te ) Ac o dn t t eM aa i c mt t u h la g a eu e i 2 6 4 a 5 ct in mitd . c r ig o h tnc o ho g ç n u g s d n a l t eAc eeainLe tr( g tb )sih l dfee tfo telng g u e i t eDe do h c lrto te mih e lg ty ifrn r m h a ua e s d n h e f Tr s 't a ln u g tn ef c (sc nsd rd t ef n to a e uv ln . 1 Thec t to md u t'h t a g a e l fe t i o iee ) h u cin l q iae t' d. i ' ot ft r t dif r nc i m a e i l he f e e es m t r a . The c t e w ih t r s ni oft M a a c c t J our agr es t he ea o ng he t ni our : ohns r c ve notc t t on e ei d i e ha s ha û herg t ar ' a ( opr s nta o he def ns s'n t e ntoff e os e he d ç i ht o gue' nd t e e ny t r e e 'i he ve t t or cl ur pr ee ngs a alhoug t l ngua I ssi l dif r y i wa t f unc i l oc di - nd t h he a ge i wa lghty fe ent' t s he ç tona ' f e vae 'oft l ngua c a ne i t de oftus andr as bl a s J on ofhe qui lnt' he a ge onti d n he ed r t e ona y dvied ohns r rght.JJ W el Fa gof fle t ese ilpum os oft dee oft s,andt noi of i s .. ls r ulild he s nta 1, e he d nlt he tce a ce e a i m at r a l c or e t is r quiem e s See Cot t y i Or ho edi s 261V a.a c l r ton e i ly onf m d o t e r nt . m r s de t pa c , t 2 4( ic sn t e s nil u p e o tec nr c) Ac o dn l J h o scam frb e c 5 d susig he s e ta p r os s f h o ta t. c r igy, o ns n' li o r a h oft de d oftus f ist sa eacli f r le , ndt co twildimi si. he e r t al o t t am or e if a he ur l s s t 11 1. J l s n c ai se il m e t eq t bl r i t s tas de he f ec os e. She a l ge o m o l m ntte nt o uia e elef o e i r or l m le s t tW elsFa go' r u a t a ce a a y pa ta , a e pa e st he m orgag l n ha l r s ef s l o c pt nd ppl ri l l t ym nt o r t e oa baa eort r s tt hermorga i m a er uledi he home goi i t f e os e The lnc o e or o t ge ns nc es t n r ng n o or cl m . c am i a bes s c o .Not ng i t no eordee oft s o i t d W el Fa g t a ce l i s t t pe i us hi n he t d nzt blga e ls r o o c pt a a y pa ta , lt pa e sa f r go a e e a i a f r cos e, a d t m orgage nd ppl ril a e ym nt nd o e cc l r ton nd o e l ur 5 n he t i m a polc s r e e si ur sW elsFa go, no J ns nce i y he ef r nce ns e l r ven f quiy r t ohns 6 Bute i e t we enot on. ' 5TheDe ofTnztr ds i pe tne pa t ed s ea # n ri nt r, Le r may rt m a pa nt or pa tal pa nt i t pa nt or paril pa nt a e nde e u ny yme ri yme f he yme ta yme s r i ufi e t brng t Loa c r nt Lende m a ac eptany pa e or pa talpalment ns fcint o i he n ure . r y c ym nt ri r s is t e tt b ig teLo n c re t wih u wav ro a yrg t h ru d ro p eu iet i nuf n o rn h a urn, to t ie f n ihs ee n e r rj dc o t ki s rght t r f e s h payme orparilpa nt i t f t e butfe r i notoblgatd t i s o e us uc nt ta yme s n he uur , nde s i e o a y s hpa nt att /'; s hpa nt ar accptd.l e h Pe i cPa nti a i ppl uc yme s he I?c uc yme s e e e f ac rodi yme s ppled ? a ofiss hed ed due dae,t n Le s t c ul t he nderne d no pa i e e ton u pple fl . Le rma e t y ntr s na id inds nde y hol s una id fmdsu i Bo r d uch pple l ntl rowerma spa nt t brngt l n c r t I Borowe ke yme s o i he oa uren . f r r doesno do s wihi ar as t o t n e onabl pe i oftme Lende s leihe a y s h f e rod i , r hal t r ppl uc undsorrt r e un t m t Borowe . I nota i ea le ,s fmdswilbe a id t t outtndi prnci he o r r f ppled rir uch t l pple o he sa ng i pal baa eunde t Not i lnc r he e mmeditl pro t f e os e aey ir o or cl ur . De d o Trzt5 ECF No.16 (mp a i a d d. Moe v r J l o d e n tsae ta h rofe o e f t , s - e h ss d e ) ro e, oms n o s o tt h t e fr f pa ntwoul ha br yme d ve oughthe l n c r nt Rahe , rofe woul ha sill he l n dei ntby r oa ure . t r he f r d ve tl eû r oa lnque a la t wo mo t .S eAm. mpl!2 ECF No. - . te s t n hs e Co . ( 3, 83 6Thedee oftu tdei t G orgag i lr e'J hns n r e e sa çnsza epr eci t d r s fnes he t t e nszanc ' o o efr nce s t l nc ot tng he m i r Le d ra an th n n a n oto d futo ,h la ' a dma sipli ta itembtssLe d r(ra y n e g is te o p yme t l r ea l n te o n' n ke t an h ttt i l e n e o n ; r r e tt ta pzc a e t Noe frc ranlse ima ic ri Bo rwe d e n t e yteLo na a re 'a d ni h t l h ss he t) o eti o ss t y n u f ro r o s o rpa h a s ge d' n y r t tt S r ri no apa t t t M orga I u anc ' De ofTr t1 ECF No.16. ha he ç owe s t ry o he Bor t ge ns r e. ed ' us 0, - 7 t t r t t l w ,J e he ed o he a ohns n ha no e n r m ot l s a e a pl usbl c a m f e t bl r le . o s t ve e e y t t d a i e l i or quia e e i f I e t eq te f vorFr ddi M a ,notJ nde d, he uii s a e e c ohns Cons que l t c tdimis st on. e nty, he our s s e he c am . li IV . Be or Fr e M acr m o d t sc s ,J f e eddi e ve hi a e ohns o ane a e r ofde a ti t on bt i d n nty f ul n he Cic tCo tf t Ciy ofRo r ui ur or he t anokeagans J nni a Fi ncalAs ocit sf f ii t fl i t e ngs nd na i s a e or alng o ie tm ey r ponsvepl di t r Apa tfo Fr ddi M a sr mova ,he ewoul havebe n no i l es i ea ngs he e. r r m e e c' e lt r d e id pe d n ba i t a s rj rs ito i t i c u t v rtos pat s a dte ei n ra o f r n e n e t ss o s e tu idcin n h s o r o e h e ri , n h r s o e s n o e t ca eag ns t m t r mai he e now. Co eque l t c tr m a t c s agans he s ai t he o e n r ns nty, he our e nds he a e i t J ngsa Fi ncalAs oc aest t Cic tCour f t Ciy ofRoa enni nd na i s i t o he r ui t or he t nokeptrua t 28 ls nt o U sc j 1 4)7 367( . V. Fo t r s sa e t co tdimi s sJ on' co pl ntagans Fr ddi M a a r he ea ons tt d,he ur s s e ohns s m ai i t e e c nd W hie, d r m andst c e a i tJ nni a Fi ci Se v ce t t Cicui Cour f rt t an e he as ga ns e ngs nd nan al r i s o he r t t o he Ciy ofR oanoke. t EN TER :J y 11 201 ul , 3. . . ' aep z. ' v U NI TED STA TES D I STRI J DG E CT U 1d i n t tt f de a camshavebe n dimis d,te(lu t s d tr newh te t c niuet r ve ha he e r l li e s s e h co r mut eemi eh r o o t o n e ecs s p lme tluidcino e tesaelw cams o rma dtec s t saec ut' JS e r lSmo o x r ie u pe na jrs ito v r h tt a li , r e n h ae o tt o l ' .. x e. i s n v Th re 7 6F. u p. d6 5 71 ( D. . 0 1.Thed crn o sp e naj s ito po ie ta . osn, 6 S p 2 9 , 2 E. Va 2 1 ) o tie f u plme tlmidcin r vd s h t fder c t ha dic ein t rt i ordim isnon-edealcli swhe t fder bassf a a ton i no e al ours ve s r to o e an s s f r am n he e al i or n ci s ln e a pia l.S e2 U. C. 1 6 l teitrs o a iigtn e desd cso o saelw, te o g r p lc be e 8 S. j 3 7. n h neet f vodn t le ls e iins f tt a ' h l ' Supr meCo thassae t t whenûf r cl m sae dimis dbeor til...saecli s dbedimis d e ur ttd ha, sedeal ai r s s e f e ra tt ams houl s se a wel'UntdM ieW ok r of rc v. b s 3 3U.. 5 7 6( 9 6 .S eas S a a h nv Ca i, s l. ie n r es Ameia Gib , 8 S 71 , 2 1 6 ) e lo h n z a . hl 58 ' l F.d 1 6 1 0(t Ci. 9 5 ( oigSra c u t ej ywieltu ei d tr nngwheh ro n torti 3 0 , 1 4h r 1 9 ) n t sil o rs no d ai d n eemii n t t te r o t ean j rs ito o e saecamswh na1fd rl li ha eb e e tn uih d'. uidcin v r tt li e 1 e ea cams v e n xig s e ' ) 8
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