Monday, October 13, 2014

IN FLORIDA, DO NOT USE STATUTE OF LIMITATIONS AS YOUR FORECLOSURE DEFENSE!! PICK A DEFENSE THAT THE FLORIDA APPELLATE COURT HAS REPEATEDLY UPHELD IN FAVOR OF THE HOMEOWNER. NEIL GARFIELD? WHAT DEFENSE WOULD THAT BE IN FLORIDA?

MORTGAGES: STATUTE OF LIMITATIONS, QUIET TITLE ACTIONS, ETC.

In the aftermath of the real estate mortgage foreclosure crisis in Florida since 2008, various issues have been presented to the court in Florida regarding the enforceability of mortgages, including statute of limitations arguments.

Statute of Limitations Cases

Foreclosure on Subsequent Default Not Barred

Diaz v. Deutsche Bank National Trust Co., et al., 2014 WL 4351411 (S.D. Fla., Sept. 2, 2014). In this case, the lender's foreclosure actions had previously been dismissed three times - even once with prejudice.  The homeowner sought a declaratory order that the note and mortgage were no longer enforceable based on the application the five year statute of limitations. The Court held that even if a foreclosure action is unsuccessful for "whatever reason", the mortgagee "still has the right to file later foreclosure actions-and to seek acceleration of the entire debt-so long as they are based on separate defaults." The Court noted that it consistently holds that complaints that raise this claim are without merit. See Espinoza v. Countrywide Home Loans Servicing, L.P., 2014 WL 3845798 (S.D. Fla. Aug. 5, 2014), Matos v. Bank of America, 2014 WL 3734578 (S.D. Fla. July 28, 2014), Romero v. SunTrust Mortg., Inc., 2014 WL 1623703 (S.D. Fla. Apr.22, 2014). 

Smathers v. Nationstar Mortgage, LLC, 2014 WL 4639136 (M.D.Fla. Sept. 16, 2014) is another case where a foreclosure action had previously been dismissed. Here also, did the homeowner contend that the lender was barred from enforcing the note and mortgage due to Florida's five-year statute of limitations . The homeowner alleged that the note and mortgage were null and void and a cloud on his title to the property.  In accordance with other decisions, the Court dismissed the homeowner's complaint, holding that while the lender may not be able to pursue a action on the default that formed the basis of the first foreclosure action, "an acceleration and foreclosure predicated upon subsequent and different defaults present a separate and distinct issue. See alsoTorres v. Countrywide Home Loans, Inc., 2014 WL 3742141 (S.D. Fla. July 28, 2014), Kaan v. Wells Fargo Bank, N.A., 981 F.Supp. 2d 1271 (S.D. Fla. 2013).

 Quiet Title Actions 

Missing "N.A." = Absurd Argument

In the case of Unrue v. Wells Fargo Bank, N.A. 2014 WL 4648628 (5th DCA September 19, 2014) (subject to revision or withdrawal), the homeowner argued that the mortgage was not enforceable due to the mortgage listing the lender as "Wells Fargo" instead of "Wells Fargo, N.A."  The Court used the word "absurd" twice. The Court of Appeals remanded the case to allow the homeowner one opportunity to file an amended pleadings pursuant to Rule 1.190(a), but warned that the last time this argument came before the Court in a similar circumstance, the trial court's dismissal was upheld, referring to the homeowner's complaint as an "absurd demand" and attorneys fees were assessed.
See,  Badgley v. SunTrust Mortg., 134 So.3d 559 (5th DCA 2014). The dissent, would not have even allowed an amended pleading, deeming the homeowner's case an "affront to the court" and "frivoulous." 

No comments:

Post a Comment

DO YOU NEED HELP TO AVOID FORECLOSURE?

If you would like to receive information on how you might avoid the foreclosure of your home, please e-mail me your name, address, and phone number. Someone from our office will be in touch right away to assist you. With Warm Regards, Kelly L. Hansen, HOMEOWNERS HELPING HOMEOWNERS, ctsmyhon@yahoo.com
Be happy, healthy and prosperous, but most of all, be blessed.
Kelly L. Hansen's photo.

Kelly L. Hansen


Jurisdictionary® just click on the link
Make Sure Your Attorney Is Working For You!
Kelly L. Hansen
HOMEOWNERS HELPING HOMEOWNERS FOUNDATION
33605 W. 88th Street
De Soto, KS 66018
913-269-0399 Phone
888-881-2349 Fax
MORTGAGE FRAUD VICTIMS
ARE YOU A VICTIM OF MORTGAGE FRAUD?


PLEASE DONATE TO HELP HOMEOWNERS!