motion to vacate rev2

8/20/2019 Motion to Vacate Rev2

1/57

IN THE COURT OF APPEALS OF OHIO

SECOND APPELLATE DIVISION

Wells Fargo Bank NA. as Trustee for Securitized C.A. Case No. 023136

Asset Backed ecei!a"les ##C 2006$%&1

'ortgage &ass$T(roug( Certi)cates*

Series 2006 %&1Plaintif,

v.

John A. Reed, et al.

Deendant

DEFENDANTS MOTION TO VACATE

Now comes Deendant John A. Reed (Deendant),

or this motion to vacate this Court’s Novemer !"th

#$$% &ud'ment entr 'rantin' Plaintif ells *ar'o

+an NA. as -rustee or ecuriti/ed Asset +aced

Receivales 00C #$$123P! 4ort'a'e Pass2-hrou'h

Certi5cates, eries #$$1 3P! (6Plaintif7) motion o

&ud'ment on the asis o the tate o 3hio’s u8remeCourt’s 3ctoer "!, #$!# holdin' in *ederal 9ome

0oan 4ort'a'e Cor8oration v. chwart/wald, #$!#2

3hio2:$!;.

Respectfully submitted,

!"#$ A% Reed

40 Maple Ave..

Center!ille* %(io+,+,-

-3$/-0$2,6 [email protected]


2/57

SERVICE

A t&ue '$d e('ct c"py "f t#e f"&e)"i$) #'s bee$ se&*ed t#is + t# d'y "f

Au)ust, -.+. *i' em'il 's f"ll"/s0

Atty1s f"& Pl'i$tiff

Amelia A. Bower (0013474)

and

David Van Slyke (0077721)300 Ea! Broad S!." S#i!e $%0&ol#m'#" io 4323$Via email * 'b"/e&2plu$3ettc""$ey%c"mAnd d*'$sly3e2plu$3ettc""$ey%c"m

and

Sara M. +e!ermann 00$$402,erner" Sampon - o!/#+.. Bo $40&ininna!i" io 4$201$40Via email * 'ttyem'il2ls&l'/%c"m

A!!y /or De/endan! on ,. eed5oma 6. endo7%2$ +ara8on d.Day!on" io 4$4$%Via email * t3e$d"2mid'm4title%c"m

C


3/57

I$t&"duct"&y St'teme$t

A an ini!ial ma!!er" De/endan! /reely aknowled8e !a! +lain!i//

/iled !i law#i! in 200" and m# li!i8a!ion a ine en#ed"

inl#din8 an appeal and mo!ion /or relie/ /rom 9#d8men! p#r#an! !o&iv. . :0(B). 5i doe no!" owever" an8e !e /a! !a! !e &o#r!

did no! ave 9#ridi!ion !o ear !i ma!!er on ;e'r#ary 27!" 200" !e

da!e +lain!i// /iled !e /orelo#re omplain!" or a! any poin!

!erea/!er" wi!o#! +lain!i// avin8 fi&st 'een ai8ned !e mor!8a8e in


4/57

II% L'/ '$d A&)ume$t

n Federal Home Loan Mortgage Corporation v.

Schwarzwald, et al." a ae reen!ly deided 'y !e io

S#preme &o#r!" plain!i// 'ank 'ro#8! a /orelo#re law#i!

'e/ore i! o'!ained an ai8nmen! o/ mor!8a8e e#rin8

de/endan! omeowner loan. De/endan! main!ained !a!

plain!i// laked !andin8 !o #e (m# a De/endan!

previo#ly on!ended in !i ae) 'ea#e !e ai8nmen! o/

mor!8a8e ad no! 'een reorded prior !o !e /ilin8 o/ !e

law#i!. +lain!i// wa ai8ned !e mor!8a8e via /ormal

ai8nmen!" a ere" only 'fte& !e /ilin8 o/ !e law#i!. 5e

!rial o#r! en!ered a 9#d8men! in /avor o/ plain!i//" and !e

Seond Di!ri! &o#r! o/ Appeal a//irmed.

5e S#preme &o#r! revered" oldin8 !a! !andin8 i a 9#ridi!ional re?u&isdicti"$'l

&e@ui&eme$t1 i$ State ex rel. Dallman v. Franklin Cty.

Court of Common Pleas 8+6B;, B O#i" St% -d +6, '$d

/e st'ted0 9It is '$ eleme$t'&y c"$cept "f l'/ t#'t '

p'&ty l'c3s st'$di$) to invoke the jurisdiction "f t#e c"u&t

u$less #e #'s, i$ '$ i$di*idu'l "& &ep&ese$t'ti*e c'p'city,


5/57

s"me &e'l i$te&est i$ t#e sub?ect m'tte& "f t#e 'cti"$%:

8Emp#'sis 'dded by t#e C"u&t;%

(Schwarzwald, 'tt'c#ed #e&et" 's E(#% 9D: 't p'&'% --;%

;#r!er" !e &o#r! !a!ed" ?Bea#e !andin8 !o #e i re


6/57

Aordin8ly" 'aed #pon !e /ore8oin8" De/endan! repe!/#lly

reovem'er 13! 200 en!ry 'e vaa!ed and !i ma!!er

o!erwie dimied.

Respectfully submitted,

!"#$ A% Reed

+0 'ale A!e.Center!ille* %(io

+,+,- -3$/-0$2,[email protected]

mailto:[email protected]:[email protected]


7/57

FGn!il !i opinion appear in !e io //iial epor! advane ee!" i! may 'ei!ed a Fed Home Loan Mtge. Corp. v. Schwartzwald, Slip pinion >o. 2012

0io$017.H

NOTICE

5i lip opinion i #'9e! !o /ormal reviion 'e/ore i! i p#'lied in an advane

ee! o/ !e io //iial epor!. eader are re


8/57

SUPREE COURT OF OHIO

Ei8! Di!ri! on !e /ollowin8 i#eC Nn a mor!8a8e /orelo#re a!ion" !e

lak o/ !andin8 or a real par!y in in!ere! de/e! an 'e #red 'y !e ai8nmen! o/

!e mor!8a8e prior !o 9#d8men!.N

JK2L ;ederal ome ,oan ommened !i /orelo#re a!ion 'e/ore i!

o'!ained an ai8nmen! o/ !e promiory no!e and mor!8a8e e#rin8 !e

Swar!wald loan. 5e Swar!wald main!ained !a! ;ederal ome ,oanlaked !andin8 !o #e. 5e !rial o#r! 8ran!ed #mmary 9#d8men! in /avor o/

;ederal ome ,oan and en!ered a deree o/ /orelo#re. 5e appella!e o#r!

a//irmed" oldin8 !a! ;ederal ome ,oan ad remedied i! lak o/ !andin8 wen

i! o'!ained an ai8nmen! /rom !e real par!y in in!ere!.

JK3L owever" !andin8 i reovem'er 200:" D#ane and #lie Swar!wald p#raed a

ome in Oenia" io" and reeived a mor!8a8e loan /rom ,e8ay Mor!8a8e in !e

amo#n! o/ P2$1"2$0. 5ey ee#!ed a promiory no!e and a mor!8a8e 8ran!in8

,e8ay Mor!8a8e a e#ri!y in!ere! in !e proper!y. ,e8ay Mor!8a8e !en

endored !e promiory no!e a paya'le !o 6ell ;ar8o Bank" >.A." and ai8ned

i! !e mor!8a8e.

JK :L n Sep!em'er 200" D#ane Swar!wald lo! i 9o' a! Baro"


9/57

n." and !e Swar!wald moved !o ndiana o e o#ld aep! a new poi!ion.

5ey on!in#ed makin8 mor!8a8e paymen! a !ey !ried !o ell !e o#e in

Oenia" '#! !ey wen! in!o de/a#l! on an#ary 1" 200%. n Mar 200%" 6ell

2

an#ary 5erm" 2012

;ar8o a8reed !o li! !e proper!y /or a or! ale" and on April " 200%" !e

Swar!wald en!ered in!o a on!ra! !o ell i! /or P2$%"%00" wi! loin8 e! /or

#ne " 200%.

JK7L owever" on April 1$" 200%" ;ederal ome ,oan Mor!8a8e

&orpora!ion ommened !i /orelo#re a!ion" alle8in8 !a! !e Swar!wald

ad de/a#l!ed on !eir loan and owed P24$"0$.1 pl# in!ere!" o!" and

advane. ! a!!aed a opy o/ !e mor!8a8e iden!i/yin8 !e Swar!wald a

'orrower and ,e8ay Mor!8a8e a lender" '#! did no! a!!a a opy o/ !e no!e"

laimin8 !a! Na opy o/ F!e no!eH i #rren!ly #navaila'le.N

JKL #lie Swar!wald !en on!a!ed 6ell ;ar8o a'o#! !e

/orelo#re omplain!. Se !e!i/ied" N wa !old !a! i! wa Q!andard proed#reQ

and QdonQ! worry a'o#! i!Q 'ea#e we were doin8 a or! ale.N 5e

Swar!wald did no! anwer !e omplain!.

JK%L n April 24" 200%" ;ederal ome ,oan /iled wi! !e o#r! a opy

o/ !e no!e i8ned 'y !e Swar!wald in /avor o/ ,e8ay Mor!8a8e. 5e /inal

pa8e arrie a 'lank endoremen! 'y 6ell ;ar8o plaed a'ove !e endoremen!

'y ,e8ay Mor!8a8e paya'le !o 6ell ;ar8o.

JK10L n May 1$" 200%" 6ell ;ar8o ai8ned !e no!e and mor!8a8e !o

;ederal ome ,oan" and ;ederal ome ,oan /iled wi! !e o#r! a opy o/ !e


10/57

ai8nmen! on #ne 17" 200%. ! !en moved /or a de/a#l! 9#d8men! and a

#mmary 9#d8men!" '#! !e !rial o#r! diovered !a! ;ederal ome ,oan ad

/ailed !o e!a'li a ain o/ !i!le 'ea#e no ai8nmen! o/ !e mor!8a8e /rom

,e8ay Mor!8a8e !o 6ell ;ar8o appeared in !e reord.

JK11 D#rin8 !i !ime" even !o#8 i! ad ai8ned i! in!ere! in !eno!e and mor!8a8e !o ;ederal ome ,oan" 6ell ;ar8o on!in#ed di#in8 a

or! ale o/ !e proper!y wi! !e Swar!wald" '#! delay in. !i proe

even!#ally a#ed !e Swar!waldQ '#yer !o reind !e o//er. n Deem'er

14" 200%" !e !rial o#r! 8ran!ed !e Swar!wald leave !o /ile an anwer. 5a!

3

SG+EME &G5 ;

ame day" ;ederal ome ,oan /iled wi! !e o#r! a opy o/ !e ai8nmen! o/ !e

mor!8a8e /rom ,e8ay Mor!8a8e !o 6ell ;ar8o da!ed >ovem'er 27"200:.

JK12L ;ederal ome ,oan a8ain moved /or #mmary 9#d8men!"

#ppor!in8 !e mo!ion wi! !e a//idavi! o/ erman on enner!y" vie preiden!

o/ loan do#men!a!ion /or 6ell ;ar8o a erviin8 a8en! /or ;ederal ome ,oan"

wo averred !a! !e Swar!wald were in de/a#l! and wo a#!en!ia!ed !e .

no!e and mor!8a8e a well a !e ai8nmen! o/ !e no!e and mor!8a8e /rom 6ell

;ar8o. S#'e


11/57

;ederal ome ,oan.

JK13L 5e Swar!wald alo moved /or #mmary 9#d8men!" aer!in8

!a! ;ederal ome ,oan laked !andin8 !o /oreloe on !eir proper!y.

JK14L 5e !rial o#r! en!ered #mmary 9#d8men! /or ;ederal ome ,oan"

/indin8 !a! !e Swar!wald ad de/a#l!ed on !e no!e" and i! ordered !ee


12/57

0%02$1" 20100io$42" K 34R and *ells Fargo +an, -.(. v. "ordan, ! Di!.

>o. %1:7$" 200%0io0%2" K 21" ae !a! eld !a! a lak o/ !andin8 anno!

'e #red 'y #'!i!#!in8 !e real par!y in in!ere! /or an ori8inal par!y p#r#an! !o

&iv.. 17(A). 6e aep!ed !e on/li! and !e Swar!waldQ dire!ionaryappeal on !e ame i#e.

A&)ume$ts "$ Appe'l

JK17L 5e Swar!wald eplain !a! !e een!ial ape! o/ !andin8 i

in9#ry !o a le8ally pro!e!ed ri8! and laim !a! ;ederal ome ,oan ad no! 'een

in9#red 'y !eir de/a#l! a! !e !ime i! ommened !i /orelo#re a!ion" 'ea#e

i! ad no! o'!ained !e no!e and mor!8a8e #n!il a/!er i! /iled !e omplain!.

elyin8 on /ederal aelaw" !ey main!ain !a! !andin8 i de!ermined a o/ !e

!ime !e a!ion i 'ro#8!" o !a! #'e


13/57

$

SG+EME &G5 ;

9#ridi!ion on ommon plea o#r!" ommon plea o#r! ave Q9#ridi!ionQ !o

ear dip#!e" even i/ !e named plain!i// wa no! !e orre! peron !o invoke i!.N

5#" i! onede !a! !e reord in !i ae doe no! e!a'li !a! i! wa a

peron en!i!led !o en/ore !e no!e a o/ !e da!e !e omplain! wa /iled" '#! i!

main!ain !a! i! Nproved !a! i! wa # a peron prior !o 9#d8men!.N

JK1%L Aordin8ly" !e


14/57

c"$t&"*e&sy is /#'t #'s t&'diti"$'lly bee$ &efe&&ed t" 's t#e

@uesti"$ "f st'$di$) t" sue% M

:

an#ary 5erm" 2012

Id, .E.2d 30

(1%:)"


15/57

proeedin8N)R S!ein8la - Sarelli" 5he 8hio State Constittion9 ( $e#erence

/ide 10 (2004) (no!in8 !a! !e 9#ridi!ion o/ !e ommon plea o#r! i

limi!ed !o 9#!iia'le ma!!er).

JK23L And reen!ly" in :incaid v. 1rie Ins. Co., 12 io S!.3d 322"

20100io:03:" %44 >.E.2d 207" we a//irmed !e dimial o/ a omplain! /or lak o/ !andin8 wen i! ad 'een /iled 'e/ore !e laiman! ad #//ered any

in9#ry. 5ere" inaid aer!ed laim !a! i in#rer ad 'reaed !e in#rane

on!ra! 'y /ailin8 !o pay epene overed 'y !e poliyR owever" e ad never

preen!ed a laim /or reim'#remen! !o !e in#rer. 6e onl#ded !a! inaid

laked !andin8 !o aer! !e a#e o/ a!ion" eplainin8" NGn!il Erie re/#e !o pay

a laim /or a lo" inaid a #//ered no a!#al dama8e /or 'rea o/ on!ra!"

!e par!ie do no! ave advere le8al in!ere!" and !ere i no 9#!iia'le

on!rovery.N Id. a! K 13.

7

SG+EME &G5 ;

JK24L Bea#e !andin8 !o #e i re


16/57

(2000); -ova Health Ss. v. /and, 41: ;.3d 114%" 11$411$$ (10! &ir.200$)R

Focs on the Famil v. 4inellas Sncoast 5ransit (th., 344 ;.3d 12:3" 127$

(11! &ir.2003)R 4err v. (rlington Hts., 1: ;.3d 2:" 30 (7! &ir.1%%%)R Carr

v. (lta >?); see /rpo 3ata#l2 v. (tlas /lo0al /rop, L.4., $41 G.S. $:7" $7$" 124

S.&!. 1%20" 1$ ,.Ed.2d :: (2004)"


17/57

JK27L 5i priniple aord wi! deiion /rom o!er !a!e oldin8 !a!

!andin8 i de!ermined a o/ !e /ilin8 !e omplain!. See, e.g., 3etsche +an

-atl. 5rst v. +rm0agh, 2012 3" 270 +.3d 1$1" K 11 (N/ De#!e Bank 'eame a peron en!i!led !o en/ore !e no!e a ei!er a older or nonolder in

poeion wo a !e ri8! o/ a older a#ter the #oreclosre action was #iled,

!en !e ae may 'e dimied wi!o#! pre9#die T T TN Fempai addedH)R =.S.

+an -atl. (ssn. v. :im0all, 1%0 V!. 210" 2011 V5 1" 27 A.3d 107" K14 (NG.S.

Bank wa re>& (dministration o#

(ppropriations o# *ater o# the -io0rara, 27 >e'. 137" 14$" 7: >.6.2d 420

(200%) (Nonly a par!y !a! a !andin8 may invoke !e 9#ridi!ion o/ a o#r! or

!ri'#nal. And !e 9#nior appropria!or did no! loe !andin8 i/ !ey poeed i!

#nder !e /a! ei!in8 wen !ey ommened !e li!i8a!ionN F/oo!no!e omi!!edH).


18/57

%

SG+EME &G5 ;

JK2L ere" ;ederal ome ,oan onede !a! !ere i no evidene !a! i!

ad #//ered any in9#ry a! !e !ime i! ommened !i /orelo#re a!ion. 5#"

'ea#e i! /ailed !o e!a'li an in!ere! in !e no!e or mor!8a8e a! !e !ime i! /iled

#i!" i! ad no !andin8 !o invoke !e 9#ridi!ion o/ !e ommon plea o#r!.

5he $eal!4art!in!Interest $le

JK 2%L 5e o#r! o/ appeal and ;ederal ome ,oan relied on !e

pl#rali!y opinion in State e2 rel. "ones v. Sster, 4 io S!.d 70" 77" 701 >.E.2d

1002 (1%%)" wi #88e!ed !a! NF!He lak o/ !andin8 may 'e #red 'y

#'!i!#!in8 !e proper par!y o !a! a o#r! o!erwie avin8 #'9e! ma!!er

9#ridi!ion may proeed !o ad9#dia!e !e ma!!er. &iv.. 17.N owever" /o#r

9#!ie delined !o 9oin !a! por!ion o/ !e opinion" and !ere/ore i! i no! a

oldin8 o/ !i o#r!. See io &on!i!#!ion" Ar!ile >" Se!ion 2(A) (NA

ma9ori!y o/ !e #preme o#r! all 'e neeary !o on!i!#!e a


19/57

a'ro8a!ed !e ommonlaw r#le and adop!ed Nr#le !a! permi!!ed any Qreal par!y

in in!ere!Q !o 'rin8 #i!.N Sprint Commnications Co., L.4. v.A+&& Servs., Inc.,

$$4 G.S. 2:%" 27%" 12 S.&!. 2$31" 171 ,.Ed 2d 424 (200).

JK31L n io" &iv.. 17(A) 8overn !e proed#ral reo a!ion all 'e dimied on !e 8ro#nd !a! i! i

no! proe#!ed in !e name o/ !e real par!y in in!ere! #n!il a reaona'le

!ime a 'een allowed a/!er o'9e!ion /or ra!i/ia!ion o/ ommenemen! o/

!e a!ion 'y" or 9oinder or #'!i!#!ion o/" !e real par!y in in!ere!. S#

ra!i/ia!ion" 9oinder" or #'!i!#!ion all ave !e ame e//e! a i/ !e

a!ion ad 'een ommened in !e name o/ !e real par!y .in in!ere!.

JK32L &oniderin8 &iv.. 17(A) in Sheal v. Camp0ell, 20 io S!.3d 23"

242$"4$ >.E.2d 701 (1%$)" we o'ervedC


20/57

5e p#rpoe 'eind !e real par!y in in!ere! r#le i ? QT T T !o

ena'le !e de/endan! !o avail imel/ o/ evidene and de/ene !a! !e

de/endan! a a8ain! !e real par!y in in!ere!" and !o a#re im /inali!y

o/ !e 9#d8men!" and !a! e will 'e pro!e!ed a8ain! ano!er #i! 'ro#8!

'y !e real par!y a! in!ere! on !e ame ma!!er.Q Celanese Corp. o# (merica v. "ohn Clar Indstries ($ &ir.l%$4)" 214 ;.2d $$1" $$:.N In re

Highland Holida S0division (1%71)" 27 io App.2d 237H 240 F273

>.E.2d %03).

JK33L A !e S#preme &o#r! eplained in Lincoln 4ropert Co. v. $oche,

$4: G.S. 1"%0" 12: S.&!. :0:" 1:3 ,.Ed.2d 41$ (200$)" !e realpar!yinin!ere!

r#le onern only proper par!y 9oinder. &iv.. 17(A) doe no! addre !andin8R

ra!er" !e poin! o/ !e r#le i !a! N#i! 'y repreen!a!ive plain!i// on 'eal/ o/

!e real par!ie in in!ere! are !e eep!ion ra!er !an !e r#le and o#ld only 'e

allowed wen !e real par!ie in in!ere! are iden!i/ia'le and !e re 9#dia!a ope

o/ !e 9#d8men! an 'e e//e!ively de!ermined.N. Consmer Fedn. o# (m. v.

=pjohn Co., 34: A.2d 72$" 72% (D.&.1%7$) (on!r#in8 analo8o# Di!ri! o/

&ol#m'ia r#le).

JK34L 5#" !e 5ird and !e >in! &ir#i! ave re9e!ed !e no!ion !a!

;ed..&iv.+. 17(a)" on wi &iv.. 17(A) i 'aed" allow a par!y wi! no

peronal !ake in a on!rovery !o /ile a laim on 'eal/ o/ a !ird par!y" o'!ain !e

a#e o/ a!ion 'y ai8nmen!" and !en ave !e ai8nmen! rela!e 'ak !o

ommenemen! o/ !e a!ion" !a!in8C

N#le 17(a) doe no! apply !o a i!#a!ion were a par!y wi! no

a#e o/ a!ion /ile a law#i! !o !oll !e !a!#!e o/ limi!a!ion and la!er

o'!ain a a#e o/ a!ion !ro#8 ai8nmen!. #le 17(a) i !e

odi/ia!ion o/ !e al#!ary priniple !a! an a!ion o#ld no! 'e /or/ei!ed

'ea#e o/ an one! mi!akeR i! i no! a proviion !o 'e di!or!ed 'y

par!ie !o ir#mven! !e limi!a!ion period.N

/ardner v. State Farm Fire - Cas. Co., $44;.3d $$3" $:3 (3d &ir.200)"


21/57

=nited States e2 rel. *l## v. CM(, Inc., %0 ;.2d 1070" 107$ (%! &ir.l%%).

JK 3$L 5e Si! &ir#i! &o#r! o/ AppealQ deiion in Arich Ins. Co. v.

Logitrans, Inc., 2%7 ;.3d $2 (:! &ir.2002)" ill#!ra!e !i poin!. n !a! ae" a

/ire a! a wareo#e de!royed proper!y in#red 'y Amerian I#aran!ee" wi paid o#! a laim /or dama8e. owever" ano!er in#rane ompany" #ri

Swi!erland" /iled a omplain! laimin8 !o 'e !e in#redQ #'ro8ee"

no!wi!!andin8 !e /a! !a! #ri Swi!erland ad nei!er i#ed an in#rane

12

an#ary 5erm"2012

poliy nor paid o#! any money !o !e in#red. 5e de/endan! moved !o dimi

/or lak o/ !andin8" and. #ri Swi!erland o#8! !o #'!i!#!e Amerian

I#aran!ee a !e real par!y in in!ere! p#r#an! !o ;ed..&iv.+. 17(a). 5e di!ri!

o#r! dimied !e a!ion.

JK3:L 5e Si! &ir#i! &o#r! o/ Appeal aknowled8ed !a! !e !a!#!e o/

limi!a!ion wo#ld 'ar Amerian I#aran!eeQ laim #nle ;ed..&iv.+. 17(a)

allowed i! !o 'e #'!i!#!ed /or #ri Swi!erland. owever" !e o#r!

di!in8#ied 'e!ween !e re


22/57

Bretroactivel 0ecome !e realpar!yinin!ere!N in order !o #re a lak o/

!andin8 a! !e /ilin8 o/ !e omplain! Fempai iH)R accord State v. 4ropert at

7>%? $ain0ow 3rive, 740 So.2d 102$" 1027102 (Ala.1%%%) (re9e!in8 !e

ar8#men! !a! a lak o/ !andin8 an 'e #red a/!er /ilin8 o/ !e omplain!)R

Consmer Fedn. o# (m. v. =pjohn Co., 34: A.2d 72$" 72% (D.&.App.1%7$)(eplainin8 !a! dimial /or lak o/ !andin8 i oni!en! wi! D.&.

S#per.&!.&iv.. 17(a))R see also McLean v. "4Morgan Chase +an -atl. (ssn.,

7% So.3d 170" 173 (;la.App.2012) (Na par!y i no! permi!!ed !o e!a'li !e ri8!

13

SG+EME &G5 ;

!o main!ain an a!ion re!roa!ively 'y a


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no e//e! on !e #nderlyin8 d#!ie" ri8!" or o'li8a!ion o/ !e par!ie.

C"$clusi"$

JK+ ! i /#ndamen!al !a! a par!y ommenin8 li!i8a!ion m#! ave

!andin8 !o #e in order !o preen! a 9#!iia'le on!rovery and invoke !e

9#ridi!ion o/ !e ommon plea o#r!. &iv.. 17(A) doe no! an8e !i priniple" and a lak o/ !andin8 a! !e o#!e! o/ li!i8a!ion anno! 'e #red 'y

reeip! o/ an ai8nmen! o/ !e laim or 'y #'!i!#!ion o/ !e real par!y in

in!ere!.Q

JK 42L ere" i! i #ndip#!ed !a! ;ederal ome ,oan did no! ave

!andin8 a! !e !ime i! ommened !i /orelo#re a!ion" and !ere/ore i! /ailed

14

an#ary 5erm" 2012

!o invoke !e 9#ridi!ion o/ !e o#r! o/ ommon plea. Aordin8ly" !e

9#d8men! o/ !e o#r! o/ appeal i revered" and !e a#e i dimied.

#d8men! revered

and a#e dimied.

Q&>>" &.." and +;E;E" ,G>DBEI S5Al5>"

A>l>IE" &G++" and M&IEE B6>"." on#r.

WWWWWWWWWWWWWWWWWWWWWWWWWWWWW

5ompon ine" ,.,.+." So!! A. in8" and 5erry 6. +oey r." /or

appellee.

Andrew M. En8le" /or appellan!.

Br#e M. Broyle" #r8in8 reveral /or amii #riae omeowner o/ !e

S!a!e o/ io and io/ra#dlo#re.'lo8po!.om"

Advoa!e /or Bai ,e8al Ee#a#erR

,e8al Aid Soie!y o/ &leveland and #lie . o'ieR ,e8al Aid Soie!y o/


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So#!we! io" ,.,.&." and >oel M. Mor8anR &omm#ni!y ,e8al Aid Servie"

n." &ri!ina M. anie" and +a#l E. indleR and io +over!y ,aw &en!er and

,inda &ook" #r8in8 reveral /or amii #riae Advoa!e /or Bai ,e8al E


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EHI5ITS

Ei'i! ?A@

O&i)i$'l C"mpl'i$t


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E(#ibit 95:

Ai8nmen! o/ Mor!8a8e /rom p!ion ne Mor!. &orp.

!o 6ell ;ar8o Bank >a.


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E(#ibit 9C:

>o!ie o/ ;ilin8 o/ Ai8nmen!


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motion to vacate rev2

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