motion f dismissal blank

7/27/2019 Motion f Dismissal Blank

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Your Name Here,Pro peradd spouse here12345 W. Freedom Road

Tolleson, Arizona (12345)

Pone ! (123) 45"#$%&'ouremail*aol.+om

IN THE SUPERIOR COURT OF THE STATE OF ARIZONA

IN AND FOR THE COUNTY OF MARICOPA

-/ Name all Plain0is an,

or0ae -o, e0+.

Plain0i,6s.

You and our s7ouse ere,

8eendan0s

Case No. CV1929288338

ANSWER TO COMPLAINT

MOTION FOR DISMISSAL

(Assined 0o 0e Hon. 99999999999999

MOTION FOR DISMISSAL OF COMPLAINT TO MORTAEFORECLOSURE

COMES NOW! Your Name ere,s7ouse name,8eendan0s, mo6e or dismissal o

0e -/ Name : all Plain0is an, or0ae -o, e0+., Plain0i;s Fore+losure

-om7lain0 iled Plain0i;s

ailure 0o s0a0e a +laim u7on =i+ relie +an ?e ran0ed. Fed. R. Civ. P. 12(b)(6).

8eendan0s mae 0e /T@/N T/ 8@@ -/PBA@NT, =i0 7reCudi+e,

?e+ause Plain0i as ailed 0o ?rin res=i0in 0e 0erri0orial Curisdi+0ion o 0e -our0, and

0ereore, alon =i0 0e o0er Curisdi+0ional +laims no0ed erein, Plain0i la+s s0andin 0o

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a77roa+ 0e -our0.

I. E"#$e%&e %o' (#)e$ as *e+,#*e$. P)a#%'#(( La&-s ,*#s$#&'#o% a%$

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Wen ilin an a+0ion or ore+losure o a mor0ae on residen0ial real 7ro7er0 0e

+om7lain0 sall ?e 6eriied. Wen 6erii+a0ion o a do+umen0 is reDuired, 0e do+umen0 iled sall

in+lude an oa0, airma0ion, or 0e ollo=in s0a0emen0>

Ender 7enal0 o 7erCur, @ de+lare 0a0 @ a6e read 0e oreoin, and 0e a+0s alleed 0erein are

0rue and +orre+0 0o 0e ?es0 o m no=lede and ?elie.E


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8eendan0s demand 0a0 Plain0i;s +ounsel 7ro6ide 0e reDuisi0e 7roo, under seal, 0a0 i0s oi+e is

in a 6alid aen+ rela0ionsi7 =i0 Plain0i, i.e., 6ia a 6alid, +er0iied +on0ra+0, 7o=er o a00orne,

e0+., in0o 0e e6iden+e ile and 0o deendan0s. Failure 0o 7resen0 su+ 7roo sall ?e deemed 0a0

alleed +ounsel or Plain0i is no0 a ?ona ide aen0 or Plain0i and 0a0 said oi+e is +ommi00in

raud, mail raud, amon o0er elon +rimes.

8eendan0s ur0er demand 0a0 Plain0i and Plain0i;s +ounsel 7ro6ide +er0iied +o7ies o

Plain0i and Plain0i;s +ounsel;s 7u?li+ azard ?onds in 0e e6iden+e ile and 0o 8eendan0s so

0a0 8eendan0s ma enor+e 0eir +laims u7on Plain0i;s ailure 0o 7ro6e i0s +laim and 7rodu+e

0e oriinal, unal0ered 7romissor no0e as reDuired under 0e la=.

8eendan0s ur0er demand, 0o a6oid 6iola0ions under Ti0le 15 - e0 seD, 0a0 Plain0i

7ro6ide in0o 0e e6iden+e ile and deendan0s i0s ondGPoli+ Num?er, 0e under=ri0er o said

ondGPoli+, and 0e aen+ in =i+ i0 is reis0ered =i0 in order 0o a+ili0a0e a +laim aains0 i0, i

ne+essar.

8eendan0s ur0er demand 0a0 Plain0i 7ro6ide a +er0iied +o7 o 0e ?ond(s) 0a0

Plain0i 7ur+ased 0o insure 0e alleed loanI and +o7ies o all 7amen0s made 0o da0e 0o ?e

en0ered in 0e e6iden+e ile and 0o deendan0s.

8eendan0s ur0er demand, 7ursuan0 0o 0e a77ro7ria0e rules o e6iden+e or

au0en0i+a0ion, 0a0 ea+ and e6er i0em o e6iden+e 7resen0ed in 0is ma00er ?e au0en0i+a0ed and

in0rodu+ed ? a +om7e0en0 a+0 =i0ness a6aila?le or +ross eJamina0ion.

-ounsel +anno0 0es0i or Plain0i (1) nor +an +ounsel au0en0i+a0e an do+umen0 in 0is

+ase reardin 0e alleed mor0ae loan 0ransa+0ion sin+e +ounsel as no 7ersonal no=lede o

an alleed 0ransa+0ion in 0is ma00er. ee Fla R.-i6.P. &'."'4.

@0 is =ell es0a?lised 0a0 s0a0emen0s o +ounsel o alleed a+0s are no0 sui+ien0 0o

es0a?lis a+0s or e6iden+e in 0e +ase or i0s +lien0. ee Trinsey v. Pagliaro, 22& F. u77.,

"4& (8.-. Pa. 1&"4) (Te deendan0sK mo0ion 0o dismiss or ailure 0o s0a0e a +laim


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unsu77or0ed ? aida6i0s or de7osi0ions is in+om7le0e ?e+ause i0 reDues0s 0is -our0 0o

+onsider a+0s ou0side 0e re+ord =i+ a6e no0 ?een 7resen0ed in 0e orm reDuired ?

Rules 12(?) (") and 5"(+). 0a0emen0s o +ounsel in 0eir ?ries or arumen0 =ile

enli0enin 0o 0e -our0 are no0 sui+ien0 or 7ur7oses o ran0in a mo0ion 0o dismiss

or summar Cudmen0.I Lem7asis addedM see alsoLoomis, @n re, 5%$ N.W.2d 42$, 43%

(.8., 1&&%). A00ornes +anno0 0es0i on ?eal o 0eir +lien0sIEses v. !illea, 4"4

N.W.2d "1", "1& (.8. 1&&') (LAMn a00orne +anno0 0es0i on ?eal o is +lien0

L+i0a0ions omi00edM.


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Fur0er, 0e +ommuni+a0ion =i0 0e +ir+ui0 +our0 =as no0 in 0e orm o an aida6i0 nor

under oa0. @0 =as merel arumen0 in a 0rial ?rie. Tis is +learl no0 e6iden+e and 0us, Williams;

in0erroa0or ans=er s0ands un+on0radi+0ed. OILem7asis addedM).

Te -our0 mus0 s0rie an alleed a+0 rom +ounsel 0a0 is no0 su77or0ed ? an aida6i0

rom Plain0i or ? Plain0i;s +or7ora0e re7resen0a0i6e 0a0 is a +om7e0en0 a+0 =i0ness =i0

7ersonal no=lede o 0e +laims, a+0s and do+umen0s (0o au0en0i+a0e) em7loed ? Plain0i in

0is ma00er.

8eendan0s do no0 =ai6e an ri0s. All Ri0s Are Re6ersed Wi0ou0 PreCudi+e, no=n

and unno=n.

All ri0s alleedl =ai6ed ? 8eendan0s ere0oore =i0ou0 7ro7er no0i+e o 0e 0erms o

a +on0ra+0 or oer is no0 =ai6ed.

II. P*o se )ea$#%/s %o' e)$ 'o s'a%$a*$0

8eendan0s are uns+ooled in la= and no0i+es 0e -our0 o enun+ia0ion o 7rin+i7les as

s0a0ed in"aines v. #erner, 4'4 .. 51& (1&$2) =erein 0e +our0 as dire+0ed 0a0 0ose =o are

uns+ooled in la= main 7leadins andGor +om7lain0s sall a6e 0o loo 0o 0e su?s0an+e o 0e

7leadins ra0er 0an in 0e orm, and ere? maes 0e ollo=in 7leadinsGno0i+e in 0e a?o6e#

reeren+ed ma00er =i0ou0 =a6ier o an deenses. @ 0ere are an dee+0s in 0is do+umen0,

8eendan0s reDues0s 0a0 0is Honora?le -our0 in0er7re0 said dee+0s a++ordinl and render a

7ro7er and Cus0 de+ision ra0er 0a0 7enalizin 8eendan0s or 7ro+edural or o0er errors due 0o

8eendan0;s la+ o ormal 0rainin. Ba= and 7re+eden0 and in a++ordan+e =i0 0e u7reme

-our0 o 0e ni0ed 0a0espro se Pleadins AY N/T ?e eld 0o 0e same s0andard as a la=er;s

andGor a00orne;s and =ose mo0ions, 7leadins and all 7a7ers ma /NBY ?e Cuded ? 0eir

un+0ion and ne6er 0eir orm. ee"aines v. #erner$ Plas%y v. C&'$ 'nasaso v. nied *aes


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Bi0ian0s are 0o ?e eld 0o less s0rinen0 7leadin s0andards ee "aines v. #erner, 4'4 .. 51

421 @n re Haines> 7ro se li0ian0s are eld 0o less s0rinen0 7leadin s0andards 0an admi00ed or

li+ensed ?ar a00ornes. Reardless o 0e dei+ien+ies in 0eir 7leadins, 7ro se li0ian0s are

en0i0led 0o 0e o77or0uni0 0o su?mi0 e6iden+e in su77or0 o 0eir +laims.

ee alsoPlas%y v. C.&.'., &53 F.2d. 25 @n rePlas%y, +our0 errs i +our0 dismisses 0e 7ro

se li0ian0 =i0ou0 ins0ru+0ion o o= 7leadins are dei+ien0 and o= 0o re7air 7leadins.


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ee also'nasaso v. nied *aes, 223 F.3d %&% (%0 -ir. 2''') @n re'nasaso,

li0ian0sK +ons0i0u0ional (uaran0eed) ri0s are 6iola0ed =en +our0s de7ar0 rom 7re+eden0 =ere

7ar0ies are similarl si0ua0ed.

III. P)a#%'#((s C)a#4 %o' s,o*'e$0

Plain0is +laim 0o ?e andGor re7resen0 a older o a se+uri0 ins0rumen0 and +laim 0e se+uri0

ins0rumen0 is e6iden+e o a de?0. 8e?0s are ?e0=een a -R8@T/R and 8T/R. Plain0is a6e

no0 +laimed 0o ?e or re7resen0 a TR -R8@T/RI. (ee +la,%-s La /i,ionary 6h Ed.

TRI.)

Plain0is a6e reused 0o s0a0e 0a0 Plain0i;s are or re7resen0 0e TRI -R8@T/R o

8eendan0;s 7ur7or0ed or0ae. Plain0i;s a6e reused 0o 7rodu+e (ee+la,%-s La /i,ionary

6h Ed. N@NI and /R@@NABI) N@N /R@@NABI /RTA, ABB/N(s),

and N/T 0o Aian0 and 6alida0e a +laim.

@ 0e Plain0i does no0 s0i7ula0e or 0e re+ord 0a0 0e are 0e TR -R8@T/R 0en

0e 8eendan0(s) T ?e 0e TRI -R8@T/R in 0is ma00er, an and all 7re6ious +laims

? Plain0i 0a0 8eendan0 is 0e 7ur7or0ed 8T/R are 0us +onsidered null and 6oid a? ini0io

? Plain0i and all o0er 7ar0ies.

Plain0i +anno0 ?e 0e -R8@T/R in 0is ma00er ?e+ause Plain0i andGor an en0i0

Plain0i ma re7resen0 NQR rised an asse0s, nor are an o TH oldin an asse0s.

A -R8@T/R +anno0 ?e a TRI -R8@T/R i THY don;0 old 0e asse0 in Dues0ion,

i.e. 0e N/T andGor 0e 7ro7er0 and or0ae Pass#0rou Trus0s, i.e. [email protected]., as deined

in Ti0le 2", u?0i0le A, -a70er 1 u?+a70er , Par0 @@, %5'#%"2, and +anno0 no0 old asse0s

or i 0e do, 0eir 0aJ eJem70 s0a0us is 6iola0ed and 0e Trus0 i0sel is 6oid a? ini0io.

Plain0is a6e no0 inormed 8eendan0s o Plain0is; or re7resen0a0i6es; +ane in TaJ

eJem70 s0a0us o no= ?ein a -R8@T/R andGor 0a0 Plain0i re7resen0 0e TR -R8@T/R.

Tereore, 8eendan0 does no0 ?elie6e Plain0i a6e inormed 0e @NTRNAB RQN

RQ@- (@R) and 0e -R@T@ AN8 S-HAN -/@@/N (-) o an +ane

in Plain0i s0a0us 0o 0a0 o a -R8@T/R.

IV NOTICE AND PRONOUNCEMENT OF REVOCATION OF SINATURES

8ue 0o 0e dis+o6er o 6arious elemen0s o raud, raudulen0 indu+emen0, raudulen0


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misre7resen0a0ion, en0ra7men0, and nondis+losure ? Plain0is, andGor ? an o i0s aen0s andGor

assinees, deendan0s do ere? reuse 0o no=inl a++e70, or o0er=ise 7ar0i+i7a0e in ANY 7ar0

o raud and o0er =ronul a+0ions in6ol6in 0e 7ur7or0ed Promissor no0e and or0ae, and

ur0er 8eendan0s do ere? re6oe, res+ind, and 0ermina0e all areemen0s nun, pro un, rom

0eir in+e70ion, 0ere? renderin said do+umen0s and areemen0s void ab iniio.

@n i0em Num?er /ne o 0e alleed oriinal Promissor no0e 7resen0ed ? Plain0i in i0s


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-om7lain0 Filin da0ed @n re0urn or a loan 0a0 @ a6e re+ei6edI

8eendan0s; sinin o 0e Promissor No0e =i0 0a0 +lause, 0a0 =as re+en0l ?rou0 0o

8eendan0s; a00en0ion, =as an o6ersi0 and a mis0ae (no= +orre+0ed erein 6ia

re6o+a0ionGres+ission o sina0ure) sin+e 8eendan0s did no0 re+ei6e a loan rom Plain0is, 7rior 0o

(nor su?seDuen0 0o) 8eendan0sK sinin 0e Promissor No0e.

@n *a0on !orgage *ervi,es v. "illery 23 .*. /is. LE4&* 15Ho=e6er, or 0ere 0o

?e a 6alid assinmen0, 0ere mus0 ?e more 0an Cus0 assinmen0 o 0e deed alone 0e no0e mus0

also ?e assined. *eeCarpener v. Longan 3 .*. 271 21 L. Ed. (s0a0in 0a0 EL0Me no0e and

mor0ae are inse7ara?le 0e ormer as essen0ial, 0e la00er as an in+iden0E addin 0a0 ELaMn

assinmen0 o 0e no0e +arries 0e mor0ae =i0 i0, =ile an assinmen0 o 0e la00er alone is a

nulli0E) @n reLeisure Time *pors &n,. 189 +.R. 358 (8h

Cir).(s0a0in 0a0 ELaM se+uri0 in0eres0

+anno0 eJis0, mu+ less ?e 0ranserred, inde7enden0 rom 0e o?lia0ion =i+ i0 se+uresE and 0a0,

ELiM 0e de?0 is no0 0ranserred, nei0er is 0e se+uri0 in0eres0E) #elly v. psha 8 Cal. 2d 178

296 P.2d 2.(s0a0in 0a0 assinin onl 0e deed =i0ou0 a 0ranser o 0e 7romissor no0e is

+om7le0el inee+0i6e)see also Resaemen (d) o Propery (!orgages : 5.9 (s0a0in 0a0 ELaM

mor0ae ma ?e enor+ed onl ?, or in ?eal o, a 7erson =o is en0i0led 0o enor+e 0e

obligaion 0a0 0e mor0ae se+uresE) (em7asis added). As#elley es0a?lises, 0is is 0rue under

Your 0a0e Here la= =i+ 7resuma?l a77lies ere. Aain, 0e rule =i+ maes 0e assinmen0

o a mor0ae su?Ce+0 0o 0e eDui0ies eJis0in ?e0=een 0e mor0aor and mor0aee is eJ7ressl

+onined 0o su+ eDui0ies onl, and +anno0 ?e eJ0ended 0o eDui0ies eJis0in ?e0=een 0e L21&M

mor0aee and 0ird 7ar0ies.;ames v. !orey 2 Coen 287.

Te Promissor No0e uneDui6o+all asser0s 0a0 8eendan0s ad alread re+ei6ed an

alleed loanI as o 0e da0e 0e no0e =as sined, 0a0 0e reeren+ed loanI ad o++urred ?eore


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0e 7romissor no0e =as sined.

8eendan0s are no0 0e re+i7ien0 o an loan 7ro+eeds or loan dis?ursemen0 in an orm

rom Plain0is, 7rior 0o 0e sinin o 0e Promissor No0e, and in s7i0e o a sear+ o all 7er0inen0

re+ords in 0is ma00er, 8eendan0s are una?le 0o ind loan dis?ursemen0 ins0ru+0ions, loan

dis?ursemen0 +onirma0ion or a re+ei70 o said loan in an orm. Plain0i in i0s ans=er 0o 0is

mo0ion is in6i0ed 0o 7ro6ide 0e loan dis?ursemen0 ins0ru+0ions, loan dis?ursemen0 +onirma0ion or


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re+ei70 o said loan 7rior 0o 8eendan0s sinin 0e 7romissor no0e. Failure 0o 7ro6ide said

do+umen0a0ion sall ?e deemed 0a0 0ere is no 6alid, leal de?0 in 0is ma00er.

A loanI ad no0 ?een 7ro6ided 0o 8eendan0s and 0a0 8eendan0s ad no0 re+ei6ed a

loan as o 0e da0e 0e Promissor No0e =as sined.

Te au0or o 0e Promissor No0e 0a0 =as 7resen0ed 0o 8eendan0s alsel, raudulen0l

and de+e70i6el s0a0ed 0a0 8eendan0s ad re+ei6ed a loan 7rior 0o 0em sinin said no0e =en,

in a+0, no loan ad ?een i6en 0o 8eendan0s ? Plain0is

A++ordinl, =en Plain0is; aen0s 7resen0ed 0e Promissor No0e 0o 8eendan0s,

Plain0isne= or sould a6e no=n 0e s0a0emen0 @n re0urn or a loan 0a0 @ a6e re+ei6edOI

=as alse.

8eendan0s a6e re+en0l learned 0e 0rue na0ure o loansI made ? ?ans. ans are

reDuired 0o adere 0o enerall A++e70ed A++oun0in Prin+i7les (AAPI) and 0a0 AAP

ollo=s an a++oun0in rule 0a0 lies a0 0e ear0 o 0e dou?le#en0r ?ooee7in ss0em +alled 0e

a0+in Prin+i7le. ee 12 - 1%31n(a)(2(A) and 12 -FR "21.

nder AAP, =en a ?an a++e70s ?ullion, +oin, +urren+, +e+s, dra0s, 7romissor

no0es, +redi0 +ard a77li+a0ions or an o0er similar ins0rumen0s rom +us0omers, and 0en de7osi0s

or re+ords 0e ins0rumen0s as asse0s, i0 mus0 re+ord ose00in lia?ili0ies 0a0 ma0+ 0e ne=l

de7osi0ed asse0s.

nder AAP, 0e lia?ili0ies (8emand 8e7osi0s A++oun0) re7resen0 0e amoun0s 0a0 0e

?an o=es 0e de7osi0ors or +us0omers (i.e., 0e unds a++e70ed rom +us0omers).

nder AAP, unds ad6an+ed 0o 7ur7or0ed ?orro=ersI are +rea0ed ? ?ans ?ased u7on

0e mone0izin o neo0ia?le ins0rumen0s (i.e., 7romissor no0es, mor0ae no0es, +redi0 +ard

a77li+a0ions, ?onds or an 07e o neo0ia?le ins0rumen0), and 0is is done ? de?i0in 0e amoun0

in0o 0e ?ans; asse0 a++oun0 and +redi0in a lia?ili0 (a 8emand 8e7osi0 A++oun0) merel or 0e


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a+e 6alue o 0e eJe+u0ed neo0ia?le ins0rumen0, and 0a0 0e ?an ne6er 0ranserred an mone

rom i0s o=n a++oun0 or o de7osi0ors; a++oun0 0o und 0e 0ransa+0ion.

Plain0is are ere? demanded, =i0 i0s ans=er, 0o 7rodu+e 0e APP +om7lian0

a++oun0in leder Ti0le Pae and FR 2'4$ so=in 0a0 Plain0is NQR a6e 8eendan0s a loan

rom i0s ne= =or0 a++oun0 ?eore 0e sinin o 0e Promissor No0e or a0er 0e sinin o 0e

Promissor No0e.


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8eendan0s sined and eJe+u0ed a neo0ia?le ins0rumen0 and unno=inl a6e i0 0o

Plain0is =i0ou0 +onsidera0ion =o sim7l mone0ized 0e Promissor No0e ? +redi0in ?an

lia?ili0 (8emand 8e7osi0 A++oun0) in 8eendan0s; name and Plain0is did no0 dis+lose 0is a+0 0o

8eendan0s 0a0 0e ?an =as onl usin 0e 6alue o 0e 8eendan0s; o=n de7osi0 (8emand

8e7osi0 A++oun0) 0o i6e 0eir a++oun0 liDuidi0.

oreo6er, 12 - 1%13 (l)(1) announ+es 0a0 =en a 7romissor no0e is de7osi0ed, i0

?e+omes a +as i0em 0o 0e ?an en+e, 0e de7osi0or is su77osed 0o e0 a re+ei70 or de7osi0in

0e same, =i+ Plain0is did no0 7ro6ide 0o 8eendan0s.

8eendan0s; undis+losed 8emand 8e7osi0 A++oun0 is no0in more 0an a +e+in

a++oun0 andGor de?i0 +ard 0ransa+0ion =ere 8eendan0s are a+0uall 0e de7osi0or and are en0i0led

0o a6e a++ess 0o =i0dra=al or usae Cus0 lie an de7osi0or =ould i de7osi0in mone in0o 0eir

o=n +e+in a++oun0.

nder AAP, Plain0is de7osi0ed 8eendan0s; Promissor No0e as a +as i0em and

re+orded said no0e as a lia?ili0 (8emand 8e7osi0 A++oun0) in 0e ?an;s 7aa?les a++oun0 and

iden0iied 8eendan0s as 0e -redi0ors o 0e a++oun0 as a se0 o.

Hen+e, 8eendan0;s Promissor No0e under 0e ?anru70+ o 0e N@T8 TAT is

=or0, a0 0e 6er leas0, i0s a+e 6alue ?eore ra+0ionaliza0ion. Plain0isdid no0 mae 0is a+0

no=n 0o 8eendan0s, and 8eendan0s =ere =i0ou0 no=lede o 0e same a0 0e 0ime o 0e

+losin. a+ and e6er an, or0ae -om7an, and Boan er6i+er no=s 0is and 0ereore is

0e Holder in 8ue -ourse o FRA8.

A++ordin 0o 0e Ri+mond, QA F8RAB RRQ ANU; ?oo en0i0led Y/R

/NY,I 7ae se6en, Odemand de7osi0 a++oun0s are no0 leal 0enderOI @ a 7romissor no0e

is leal 0ender, Plain0is sould a6e a++e70ed i0 0o dis+are 0e or0ae and 0e deal =as done

a0 +losin. Plain0is +aned 0e +urren+ rom 0e mone de7osi0ed, (7romissor no0e) 0o +e+


15/47

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"$

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1'

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12

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1%

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21

22

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24

25

?oo mone (lia?ili0 0e ?an o=es or 0e 7romissor no0e de7osi0ed) or+in 8eendan0s 0o

la?or 0o 7a in0eres0 on 0e eDui0, in real 7ro7er0 (real es0a0e) 0a0 Plain0is re+ei6ed or ree.

Tis +os0 =as no0 dis+losed 0o 8eendan0s in N/T@- T/ -T/R RV@R8 Y 0a0e

Ba=, Federal Reula0ion , Fair 8e?0 Pra+0i+es A+0 and Real s0a0e e00lemen0 Pro+edures A+0.

Tis is raud.

Te loan areemen0 0a0 Plain0is ad 8eendan0s 0o sin indi+a0ed a B/AN.I Plain0is


16/47

?roe 0a0 areemen0. Plain0is 0oo +on0rol o 0e Promissor No0e =i0ou0 loanin la=ul

mone or leal 0ender.

Plain0is 0en de7osi0ed 0e Promissor No0e in an a++oun0 i0 o7ened under 8eendan0;s

name =i0ou0 8eendan0;s no=lede or +onsen0. Plain0is =i0dre= 0e mone =i0ou0

8eendan0;s au0oriza0ion or no=lede. Plain0is 0en +laimed 0a0 +e+s issued 0o 0e seller o

0e su?Ce+0 7ro7er0 =ere 0eir 7ro7er0, =i+ is a raudulen0 +on6ersion.

Te 7romise o a loan rom Plain0is 0o 8eendan0s =as an illusor 7romise.

8eendan0s as no0 re+ei6ed a loan 0o da0e rom Plain0is and Plain0is +anno0 7rodu+e

an do+umen0s 0a0 =ould so= 0a0 i0 a6e 8eendan0s a loan o la=ul mone or leal 0ender

7rior 0o 8eendan0s; sinin 0e Promissor No0e.

@ 0e 7romise o ei0er 7ar0 in +on0ra+0 is illusor, 0e +on0ra+0 is unenor+ea?le. ee


17/47

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2

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12

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1%

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2'

21

22

23

24

25

nder 0e .. e+uri0ies Ba=s, s7e+ii+all Te e+uri0ies A+0 o 1&33, 0e mere oer 0o

sell a se+uri0 X unless 0ere is an ee+0i6e reis0ra0ion s0a0emen0 on ile =i0 0e - or 0e oer

X +an ?e a elon su?Ce+0in 0e oeror 0o a i6e#ear ederal 7rison 0erm. ee 0e e+uri0ies A+0

o 1&33, e+0ion 5(+) ales and deli6eries a0er sale o unreis0ered se+uri0ies is unla=ul (e+0ion

5(a)) as is ailure 0o deli6er a 7ros7e+0us (e+0ion 5(?)). Te sellin o un#reis0ered se+uri0ies is

an au0oma0i+ Ri0 o Res+ission o 0e oriinal +on0ra+0.


18/47

Plain0is as also 6iola0ed 1% - 4$2>

Woe6er, =i0 in0en0 0o deraud, 7asses, u00ers, 7u?lises, or sells,or a00em70s 0o 7ass, u00er, 7u?lis, or sell, or =i0 lie in0en0 ?rins

in0o 0e ni0ed 0a0es or ee7s in 7ossession or +on+eals an alselmade, ored, +oun0erei0ed, or al0ered o?lia0ion or o0er se+uri0o 0e ni0ed 0a0es, sall ?e ined under 0is 0i0le or im7risoned no0more 0an 2' ears, or ?o0I.

Plain0is are also in 6iola0ion se+0ion -- 3#3'2 (+), or nei0er =ere a older in due

+ourse> O a 7erson does no0 a+Duire ri0s o a older in due +ourse o an ins0rumen0 0aen ?

leal 7ro+ess or ? 7ur+ase in an eJe+u0ion.I

Fur0er, under 0e 0ene0s o -- %#1'2, 3#1'3($), 3#1'5 and 3#1'"(d), 8eendan0s are 0e

a+0ual older in due +ourse o 0e oriinal Promissor No0e, no0 Plain0is or an ser6i+in aen0.

Te undin sour+e 6er im7li+i0l ?elons 0o 0e sinerGmaer o 0e Promissor No0e (no=

se+uri0), =i+ are 0e 8eendan0s.

Plain0is ad no ri0 0o sell 0e Promissor No0e or 0=o reasons. Te Promissor No0e

=as de7osi0ed (12 - 1%13 (l)(1)) and 0e mone =as =i0dra=n =i0ou0 8eendan0;s

no=lede or au0oriza0ion and 0=o, 0e +on0ra+0 =as ne6er ulilled. Plain0is a+0ed =i0ou0

7ro7er no0i+e 0o 8eendan0s and =i0ou0 8eendan0;s +onsen0 and is in6ol6ed in a raud 0ere?

damain 8eendan0s.

8ue 0o Plain0is +riminal +ondu+0 in 0e irs0 ins0an+e, 0e oriinal Promissor No0e and

or0ae -on0ra+0 are 6oid a? ini0io en+e, Plain0i ne6er ad a 6alid +laim aains0 8eendan0s

in 0e irs0 ins0an+e.

Plain0is are no0 =i0ou0 aul0 in 0is ma00er. Plain0is a++e70ed 0e Promissor No0e and

or0ae =i0ou0 re+ourse en+e, i0 a++e70ed 0e lia?ili0ies 0a0 are a00a+ed 0o 0e ins0rumen0s.

Fur0er, Plain0i is =ell a=are o o= loansI are oriina0ed. Plain0i ne= or sould

a6e no=n 0a0 0e Promissor No0e and or0ae i0 alleedl 7ur+ased are in6alid on 0e a+e


19/47

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12

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22

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25

sin+e ?ans and o0er inan+ial ins0i0u0ions 0a0 in0era+0 =i0 0e Federal Reser6e s0em do no0

lend la=ul mone or leal 0ender in residen0ial 0ransa+0ions, =i+ is 7ro6en ? 0e Tru0#@n#

Bendin 0a0emen0 i6en a0 +losin (see anneJed Ji?i0 AI),(3), e0 Plain0i 7ro+eeded =i0

0e 0ransa+0ion o raud 0ere? rendin Plain0i an a++essor 0o 0e +rimes +ommi00ed ?

Plain0is. Plain0is are in 0e ?usiness o 7ur+asin and ser6i+in, amon o0er ins0rumen0s,

in6alid residen0ial mor0aes and no0esGse+uri0ies. Tis unla=ul 7ra+0i+e is rou0ine in 0e


20/47

mor0ae ?usiness 0a0 Plain0i no=inl and =illinl enaed in 0e ?usiness o a+Duirin

and ser6i+in in6alid residen0ial mor0aes and no0esGse+uri0ies.

@n 0e Tru0#in#Bendin 0a0emen0, Plain0is admi0 0a0 +redi0I =as alleedl i6en 0o

8eendan0s, no0 la=ul mone or leal 0ender. nder 0e eadins Annual Per+en0ae Ra0e> Te

+os0 o our +redi0 as a earl ra0eI Finan+e -are> Te dollar amoun0 0e +redi0 =ill +os0 ouI

and Amoun0 Finan+ed> Te amoun0 o +redi0 7ro6ided 0o ou or on our ?ealI so=s 0a0 +redi0

=as issued, no0 leal 0ender or la=ul mone (em7asis added).

@n 0e Tru0#in#Bendin 0a0emen0, Plain0is admi0s 0a0 +redi0I =as alleedl i6en 0o

8eendan0s, no0 la=ul mone or leal 0ender.

nder 0e eadins Annual Per+en0ae Ra0e> Te +os0 o our +redi0 as a earl ra0eI

Finan+e -are> Te dollar amoun0 0e +redi0 =ill +os0 ouI and Amoun0 Finan+ed> Te

amoun0 o +redi0 7ro6ided 0o ou or on our ?ealI so=s 0a0 +redi0 =as issued, no0 leal 0ender

or la=ul mone (em7asis added).

@n 0e Tru0#in#Bendin 0a0emen0, Plain0is admi0 0a0 +redi0I =as alleedl i6en 0o

8eendan0s, no0 la=ul mone or leal 0ender nder 0e eadins Annual Per+en0ae Ra0e> Te

+os0 o our +redi0 as a earl ra0eI Finan+e -are> Te dollar amoun0 0e +redi0 =ill +os0 ouI

and Amoun0 Finan+ed> Te amoun0 o +redi0 7ro6ided 0o ou or on our ?ealI so=s 0a0

+redi0 =as issued, no0 leal 0ender or la=ul mone (em7asis added).

A++ordinl, =en Plain0is said 0rou 0e Tru0#in#Bendin 0a0emen0 0a0 0e a6e

8eendan0s +redi0 (see anneJed Ji?i0 AI), Plain0is mean0 i0 +redi0ed 8eendan0;s 0ransa+0ion

a++oun0, lea6in one =i0 0e 7resum70ion 0a0 Plain0isde7osi0ed o0er de7osi0ors; mone in 0e

a++oun0. Te a+0 is 0e de7osi0ed 8eendan0;s mone (0e 7romissor no0e) =i0ou0 7ro6idin

8eendan0s a re+ei70. Failin 0o 7ro6ide 0e re+ei70 is FRA8. Plain0is or an assin +anno0

+laim i0 o=ns 0e Promissor No0e un0il i0 a+0uall lends 8eendan0s 0eirI mone 0o da0e, 0is


21/47

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1%

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21

22

23

24

25

=as no0 done.

Plain0i a++e70ed Plain0is lia?ili0 =en i0 alleedl 7ur+ased 0e Promissor No0e and

or0ae.

Pursuan0 0o 0e oreoin a+0s and +riminal a+0s o raud and o0er elon +rimes no0ed

erein, FF-T@Q @8@ATBY 8eendan0s HRY PB@-BY RQ/U AN8

R-@N8 AN8 AU Q/@8 ABB @NATR @N-B8@N ABB @N@T@AB, ARU


22/47

T-., all mor0ae do+umen0s deendan0s sined, in+ludin 0e Promissor No0e, or0ae

-on0ra+0 and 0e Po=er o A00orne.

THAT 8FN8ANT; RQ/-AT@/N /F @NATR -/NT@TT

R-@@/N /F @NATR.

A--/R8@NBY, A A RBT /F TH RQ/-AT@/NGR-@@/N /F TH

@NATR, TH PR/@/RY N/T AN8 /RTA, RBAT8 8/-NT

AN8 TH RBAT8 P/WR /F ATT/RNY N/ B/NR S@T AN8 A@8

8/-NT HAQ N/ BAB F/R- /R FF-T 8 T/ FRA8.

Plain0is andGor an o0er unno=n 7ar0 0a0 as an in0eres0 in 0e or0ae -on0ra+0 or

Promissor No0e do no0 a6e a la=ulGleal lien aains0 8eendan0;s 7ro7er0.

8eendan0;s a6e ormall and 7u?li+l remo6ed 0e aoremen0ioned sina0ures or all

0ime and remo6in an neJus 0a0 Plain0i andGor an assin, su++essor, aen0 or re7resen0a0i6e

ma assume or 7resume 0o a6e o6er 8eendan0s ? 6ir0ue o ran0ors; sina0ures and 0e o+ial

e+uri0 Num?er assined 0o 8eendan0s.

Ta0 8eendan0s =ai6e and reCe+0 an and all ?enei0s andGor 7ri6ilees eJ7ressed, im7lied

or o0er=ise arisin rom an su+ sina0ures, all su?seDuen0 +on0ra+0s, areemen0s or 0rus0(s),

no=n and unno=n, resul0in rom or+e, under 0rea0 o ?ein denied a++ess 0o 8eendan0;s

o=n +redi0 amon o0ers, in6olun0ar ser6i0ude and 7eonae ? adesion +on0ra+0, +ommi00ed

aains0 8eendan0s.

Wi0 0e res+ission o 8eendan0;s sina0ures rom all do+umen0s reardin 0e alleed

mor0ae loan 0ransa+0ion due 0o raud, 0e +ase is o6er. Ho=e6er, 8eendan0s 7resen0s 0e

ollo=in a+0s, nea0i6e a6ermen0s and arumen0s 0o o6er=elminl 7ro6e 0o 0e -our0 0a0 i

8eendan0s ad no0 res+inded 0eir sina0ures due 0o raud, 0a0 0e 7residin


23/47

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21

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24

25

-/PBA@NT W@TH PR PBA@NT@FF @N WR/N -/RT.

Plain0i is di6erse 0o 8eendan0;s 7ursuan0 0o 2% - 1332(a) sin+e 8eendan0;s are

rom 0e 0a0e o Floridaand Plain0i;s eadDuar0ers is A- H/ B/AN RQ@-@N, B.P.

FGUGA -/NTRYW@8 H/ B/AN RQ@-@NP./. oJ "5''$' 8allas TS $52"5.

Fur0er, 7ursuan0 0o 2% - 1332(a), L0Me dis0ri+0 +our0s sall a6e oriinal Curisdi+0ion


24/47

o all +i6il a+0ions =ere 0e ma00er in +on0ro6ers eJ+eeds 0e sum or 6alue o $5,''', eJ+lusi6e

o in0eres0 and +os0s OI /n 0is round alone, 0is +ase sould ?e dismissed in 0is -our0. Te

+ase is in 0e =ron +our0. ee, Fla R.-i6.P. 1.'"1.

8eendan0s a6e no no=lede, re+ord or ?elie 0a0 0is -@R-@T -/RT /F TH

1%TH


25/47

1

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%

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1'

11

12

13

14

15

1"

1$

1%

1&

2'

21

22

23

24

25

and or0ae rom Plain0i 0o da0e.

8eendan0s a6e no0 ?een 7resen0ed =i0 a++ess 0o 6alida0e Allone(s), Ti0le Pae(s) o 0e

admissi?le 7roo o o= Plain0i a+Duired 0e Promissor No0e and or0ae.

Te mo6an0 mus0 0ender e6iden+e, ? 7roo in admissi?le orm, 0o es0a?lis 0e +ause o

a+0ion sui+ien0l 0o =arran0 0e +our0 as a ma00er o la= in dire+0in Cudmen0.

Failure 0o mae su+ so=in reDuires 0e denial o 0e mo0ion, reardless o 0e


26/47

sui+ien+ o 0e o77osin 7a7ers.

A +on+lusor aida6i0, or an aida6i0 ? a 7erson =o as no 7ersonal no=lede o 0e

a+0s, +anno0 es0a?lis aprima a,ie+ase.

A mere +on+lusor asser0ion o a a+0, =i0ou0 an e6iden0iar ?asis, is insui+ien0.

Wen 0e aian0 relies on do+umen0s, 0e do+umen0s relied u7on mus0 ?e anneJed, and 0e

aian0 mus0 es0a?lis an adeDua0e e6iden0iar ?asis or 0em. ee Florida /ep. o Fin. *ervs. v.

'sso,. &ndus. &ns. Co., %"% o.2d "'' (Fla. 1s0 8-A 2''4).

ere su?mission o do+umen0s =i0ou0 an iden0ii+a0ion or au0en0i+a0ion is inadeDua0e.

Wen 0e mo6an0 sees 0o a6e 0e -our0 +onsider a ?usiness re+ord, 0e 7ro7onen0 mus0

es0a?lis 0a0 i0 mee0s 0e e6iden0iar reDuiremen0s or a ?usiness re+ord, ?, or eJam7le, a6in

a +or7ora0e oi+er s=ear 0o 0e au0en0i+i0 and enuineness o 0e do+umen0.

TH PR/@/RY N/T F@B8 Y PBA@NT@FF; -/NB @ N/T

8FN8ANT; PR/@/RY N/T.

8FN8ANT; PR/@/RY N/T HA N T/BN.

Te 7ro+eeds o 0e Promissor No0e sould a6e ?een +redi0ed 0o 8eendan0;s a++oun0

and 0e alleed loan =ould ?e 7aid in ull 7lus mone le0 o6er.

A++ordin 0o 0e or0ae areemen0 iled ? Plain0is; +ounsel in 0is +ase, 0e

Promissor No0e +ould ?e sold 0o a ser6i+er, ?u0 0ere is no 7ro6ision in 0e areemen0 0o allo=

Plain0is 0o al0er 0e Promissor No0e 0o sell i0, nor is 0ere a 7ro6ision 0o allo= 0e ?uers o 0e

Promissor No0e 0o mae mone o o 8eendan0s; +redi0 =i0ou0 no0i+e and +onsen0.

Tis is no0 a si0ua0ion =ere 0e rela0ionsi7 ?e0=een 0e 7ro7onen0 o 0e re+ord and 0e

maer o 0e re+ord uaran0ees 0e relia?ili0 o 0e re+ords, su+ as =ere 0e maer o 0e re+ord

=as a+0in on ?eal o 0e 7ro7onen0 and in a++ordan+e =i0 i0s reDuiremen0s =en main 0e

re+ords, or =ere 0e 7ro7onen0 o 0e re+ords relies +on0em7oraneousl on 0e a++ura+ o 0e


27/47

1

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3

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5

"$

%

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1'

11

12

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1"

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1%

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21

22

23

24

25

o0er en0i0;s re+ords or 0e +ondu+0 o i0s o=n ?usiness. Here, 0ere is no e6iden+e 0a0 0ere =as

an rela0ionsi7 ?e0=een Plain0is and 8eendan0s a0 0e 0ime 0a0 0e re+ords =ere +rea0ed.

Plain0i;s use o 0e Promissor No0e and or0ae =i0ou0 a su77or0in aida6i0 runs

+oun0er 0o a lon line o Florida and ederal Curis7ruden+e oldin 0a0 uns=orn and

unau0en0i+a0ed do+umen0s +anno0 ?e used ei0er 0o ran0 or den summar Cudmen0. eeFirs

nion =a.-l +an% o Fla., $%5 o.2d a0 5&1, s0a0in 0a0 (merel a00a+in an uns=orn


28/47

do+umen0, 0o a mo0ion or summar Cudmen0 does no0, =i0ou0 more, sa0is 0e 7ro+edural

s0ri+0ures ineren0 in FloridaRule o -i6il Pro+edure 1.51'(e).I)+iul,o v. *ae Farm !u. 'uo.

&ns. Co., "&3 o.2d $'$, $'& (Fla. 40 8-A 1&&$) (erel a00a+in do+umen0s =i+ are no0

Zs=orn 0o or +er0iied; 0o a mo0ion or summar Cudmen0 does no0, =i0ou0 more, sa0is 0e

7ro+edural s0ri+0ures ineren0 in rule 1.51'(e), FloridaRules o -i6il Pro+edure. oreo6er, rule

1.51'(e) ? i0s 6er lanuae eJ+ludes rom +onsidera0ion on a mo0ion or summar Cudmen0,

an do+umen0 0a0 is no0 one o 0e enumera0ed do+umen0s or is no0 a +er0iied a00a+men0 0o a

7ro7er aida6i0.I)(oo0no0e omi00ed) "arris v. >ilson, "5" o.2d 512, 51"#1$ (Fla. 1s0 8-A

1&&5)(Te lanuae o rule 1.51', Florida Rules o -i6il Pro+edure, rele+0s a +lear in0en0 0o

allo= +our0s 0o +onsider onl 0a0 inorma0ion =i+ as ?een ei0er admi00ed ? 0e 7ar0ies (i.e.,

admissions, in0erroa0ories, or ans=ers) or =i+ es0a?lises 0e eJis0en+e or noneJis0en+e o

ma0erial a+0s in dis7u0e 0rou aida6i0s and inorma0ion =i+ as ?een 0imel 7resen0ed. Te

do+umen0s su?mi00ed ? 0e Plain0is; +ounsel do no0 +om7or0 =i0 0is in0en0 o 0e rule as 0e

=ere no0 0imel iled nor =ere 0e a++om7anied ? an aida6i0. No a++om7anin aida6i0 =as

7ro6ided =i0 0ose do+umen0s, and 0e onl dis+ussion +on+ernin =a0 0e alleedl

re7resen0ed =as ? 0e a00orne in 0eir o=n memorandum. As su+, su?mission o 0e

do+umen0s =as no0 in +om7lian+e =i0 rule 1.51', Florida Rules o -i6il Pro+edure.I) Tunnell v.

"i,%s, 5$4 o.2d 2"4, 2"" (Fla. 1s0 8-A 1&&1)(Te 8e+lara0ion o Forei0ure =as

unau0en0i+a0ed and =as no0 iled 7rior 0o 0e earin, 7ursuan0 0o rule 1.51'(+). Te +o7 o 0e

le00er rom =as an unau0en0i+a0ed eJi?i0 a00a+ed 0o 0e mo0ion 0o dismiss, =ereas 0e

7ro6isions o rule 1.51'(+) reDuire 0e +our0, in de0erminin 0e 7ro7rie0 o a mo0ion or

summar Cudmen0, 0o +onsider onl Z7leadins, de7osi0ions, ans=ers 0o in0erroa0ories and

admissions on ile 0oe0er =i0 aida6i0s.; Tunnell ailed 0o a00a+ ei0er do+umen0 0o aida6i0s

0a0 7resuma?l =ould a6e ensured 0eir admissi?ili0.I) (+i0a0ions omi00ed) -. WR@HT, A.


29/47

1

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%

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1'

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12

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21

22

23

24

25

@BBR : . UAN, F8RAB PRA-T@- : PR/-8R 2$22 (1&%3) (under 0e

+om7ara?le ederal rule, eJi?i0s ma ?e +onsidered onl i au0en0i+a0ed ? and made 7ar0 o an

aida6i0) Edard +. !ar%s !usi, Corp. v. *asny !usi, Corp., 1 F.R.8. $2' (.8.N.Y.1&41)

(-our0 +orre+0l did no0 +onsider le00er 0a0 =as nei0er au0en0i+a0ed nor a00a+ed 0o aida6i0).

N/ TAN8@N> PBA@NT@FF N/T /WNR /F /RTA N/T

Plain0i as no0 7resen0ed 7roo o assinmen0 0o 0e or0ae No0e andGor or0ae


30/47

rom Fannie ae. Wi0ou0 7roo o assinmen0, Plain0i does no0 a6e s0andin in 0is ma00er.

ee, Fla.R.-i6.P. $'1.'2.

A0 0e ilin o 0e +om7lain0, 0e onl alleed 7roo o Plain0i;s o=nersi7 o 0e

or0ae No0e and or0ae +omes rom Plain0i;s alleed +ounsel, no0 rom Plain0i or rom

an au0en0i+a0ed su77or0in do+umen0.

-our0s a6e eld 0a0 a 7ar0;s la+ o s0andin is a dee+0 0a0 +anno0 ?e +ured ?

a+Duirin 0e ri0 o s0andin a0er a+0ion as alread ?een iled. ee ?alney o *mihield Ld

v. Chesapea%e +ay Foundaion &n,., 4%4 .. 4&, "& (1&%$) (+alia,


31/47

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e+uri0 J+ane -ommission sould no= a?ou0 i0 sin+e 0e or0ae No0e as

?een 0ransormed in0o a se+uri0.

e. Plain0is ailed 0o 7resen0 0e @R 1'&&/@8 and 1'&&A re7or0s 0a0 =ill iden0i =o

0e 7rin+i7al is rom, =i+ +a7i0al and in0eres0 =as 0aen, and =o 0e re+i7ien0 or

7aer o 0e unds are, and =o is oldin 0e a++oun0 in es+ro=, unadCus0ed.

. Te 3#A Reis0ra0ion 0a0emen0 under 0e e+uri0ies A+0 o 1&33> Tis re7or0 =ill


32/47

so= =en and =ere 0e or0ae No0e (se+uri0) =as sold.

. All o 0e aoremen0ioned i0ems a6e / o6ernmen0 Reeren+e num?ers and as

su+ are reDuired 7rodu+0ion under 0e Pri6a+ A+0.

. FA (Finan+ial A++oun0in 0andards oard) 7ar0 o AAP (enerall A++e70ed

A++oun0in 0andards)> FA 133, 14', 5, &5. Tese =ill dire+0 0e audi0or 0o 0e

lia?ili0 side o 0e +redi0or;sI ?oos and also +rea0es 0e 0rail o eJa+0l =ere 0e

mone +ame rom, =ere i0 =en0, and =o as a ?enei+ial in0eres0 in 0e se+uri0.

Tese su77or0in re+ords 0a0 =ould so= o=nersi7 o 0e se+uri0, 7ar0i+ulari0

FA 14' (A++oun0in or Transers and er6i+in o Finan+ial Asse0s and

J0inuismen0s o Bia?ili0ies)

i. A +er0iied +o7 o 0e ?ond 0a0 Plain0i 7ur+ased 0o insure 0is loan,I and

+o7ies o an 7amen0s made 0o da0e.

Plain0is are seein ore+losure =i0ou0 an assinmen0 in 0e re+ord, =i0ou0 0e

e6iden+e o a +ain o assinmen0 a0 0ime o ilin sui0 +ons0i0u0es a alse, de+e70i6e, or

misleadin re7resen0a0ion or meansI in +onne+0ion =i0 0e +olle+0ion o de?0, in 6iola0ion o 0e

Federal Fair 8e?0 -olle+0ion Pra+0i+es A+0, 15 ..-. 1"&2(e) and 0a0 as o++urred in 0is +ase.

Plain0is did no0 o=n or old 0e su?Ce+0 or0ae No0e (oriinal) a0 0e 0ime Plain0i

iled 0is ore+losure a+0ion, and Plain0is =ere ull a=are o 0is la+ o o=nersi7, and i0s la+

o s0andin a0 0e 0ime o 0e +ommen+emen0 o 0is a+0ion.

Plain0is ur0er ailed 0o es0a?lis in an o i0s 7a7ers or ilins 0a0 i0 o=ned or eld 0e

or0ae No0e or 0e or0ae a0 0e +ommen+emen0 o 0is a+0ion.

@n addi0ion, Plain0is 6e no0 as o 0is da0e re7lied 0o 0e reDues0s o 8eendan0s in reard

0o 7a7er=or iled reDues0s or 7rodu+0ion as o No6em?er ", 2''&. Tese reDues0s a6e one

unno0i+ed.


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@n 0is +ase, 0e -our0 is =i0ou0 Curisdi+0ion Plain0i as 7er7e0ra0ed a raud u7on 0is

-our0 in 0is a+0ion as se0 ou0 erein.

Te in0eri0 o 0e +i6il li0ia0ion 7ro+ess de7ends on 0e 0ru0ul dis+losure o a+0s.

!eropolian /ade Couny v. !arinson, $3" o.2d $&4 (Fla. 3Kd 8-A 1&&&), 'ndres v. Palmas

/e !a@or,a Condo, %&% o.2d 1'"" (Fla. 50 8-A 2''5). Plain0i;s a+0ions undermine 0e

in0eri0 o 0is +i6il li0ia0ion 7ro+ess.


34/47

A 0rial +our0 as 0e ineren0 au0ori0, =i0in 0e eJer+ise o sound Cudi+ial dis+re0ion, 0o

dismiss an a+0ion and s0rie an order =en a 7lain0i as 7er7e0ra0ed a raud or made

misre7resen0a0ions 0o 0e -our0.'rAuman v. *uad, %43 o.2d &5' (Fla. 40 8-A 2''3), Piunno v.

R.F. Con,ree Consr., @n+., &'4 o.2d "5% (Fla. 40 8-A 2''5).

A 7ar0 uil0 o raud or mis+ondu+0 in 0e 7rose+u0ion o a +i6il 7ro+eedin sould no0

?e 7ermi00ed 0o +on0inue 0o em7lo 0e Cudi+iar 0o a+ie6e i0s ends =ere deendan0 ass 0is

+our0 or immedia0e relie and 7ro0e+0ion.'ndres v. Palmas /e !a@or,a Condo, %&% o.2d 1'""

(Fla. 50 8-A 2''5).

Plain0i;s la+ o o=nersi7 o 0e or0ae No0e and 0e or0ae in 0is +ase oes 0o

0e ear0 o i0s +laim o s0andin, 7ermea0es 0e en0ire 7ro+eedin and su?6er0s 0e in0eri0 o 0e

a+0ion.!eropolian /ade Couny v. !arnsen, $3" o.2d $&4 (Fla. 3rd

8-A 1&&&).

@0 is a77ro7ria0e or 0e 0rial +our0 0o dismiss an a+0ion ?ased on raud, =ere 0ere is a

?la0an0 so=in o raud, 7re0ense, +ollusion, or o0er similar =rondoin. /iseano v. *ae

Farm !uual 'uomobile &ns. Co., %4" o.2d 5$2, 5$4 (Fla. 1s0 8-A 2''3).

Rule 1.21'(a) o 0e FloridaRules o -i6il Pro+edure 7ro6ides in 7er0inen0 7ar0> 6er

a+0ion ma ?e 7rose+u0ed in 0e name o 0e real 7ar0 in in0eres0, ?u0 a 7ersonal re7resen0a0i6e,

adminis0ra0or, uardian, 0rus0ee o an eJ7ress 0rus0, a 7ar0 =i0 =om or in =ose name a

+on0ra+0 as ?een made or 0e ?enei0 o ano0er, or a 7ar0 eJ7ressl au0orized ? s0a0u0e ma

sue in 0a0 7erson;s o=n name =i0ou0 Coinin 0e 7ar0 or =ose ?enei0 0e a+0ion is ?rou0.

Plain0is mee0 none o 0e s0andin +ri0eria se0 or0 in 0e s0a0u0e.

0andin reDuires 0a0 0e 7ar0 7rose+u0in 0e a+0ion a6e a sui+ien0 s0ae in 0e

ou0+ome and 0a0 0e 7ar0 ?rinin 0e +laim ?e re+onized in 0e la= as ?ein a real 7ar0 in

in0eres0 en0i0led 0o ?rin 0e +laim. Tis en0i0lemen0 0o 7rose+u0e a +laim in Florida+our0s res0


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eJ+lusi6el in 0ose 7ersons ran0ed ? su?s0an0i6e la=, 0e 7o=er 0o enor+e 0e +laim. #umar

Corp. v. =opal Lines Ld, 0 al, 4"2 o.2d 11$% (Fla. 3d 8-A 1&%5).

No Florida+ase olds 0a0 a se7ara0e en0i0 +an main0ain sui0 on a no0e 7aa?le 0o ano0er

en0i0 unless 0e reDuiremen0s o Rule 1.21'(a) o 0e FloridaRules o -i6il Pro+edure and

a77li+a?le Floridala= are me0. Cor,oran v. +rody34$ o.2d "%& (Fla. 40 8-A 1&$$).

Te de0ermina0ion o s0andin 0o sue +on+erns a +our0Ks eJer+ise o Curisdi+0ion 0o ear


36/47

and de+ide 0e +ause 7led ? a 7ar0i+ular 7ar0.IRogers B Ford Consr. Corp. v. Carlandia Corp.,

"2" o.2d 135', (Fla. 1&&3).

-our0s a6e eld 0a0 a 7ar0;s la+ o s0andin is a dee+0 0a0 +anno0 ?e +ured ?

a+Duirin 0e ri0 o s0andin a0er a+0ion as alread ?een iled. ee ?alney o *mihield Ld

v. Chesapea%e +ay Founda0ion, @n+., 4%4 .. 4&, "& (1&%$) (+alia,


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To es0a?lis s0andin i0 mus0 ?e so=n 0a0 0e 7ar0 suered inCur in a+0 (e+onomi+ or

o0er=ise) or =i+ relie is liel 0o ?e redressed and, in non#+ons0i0u0ional si0ua0ions, 0a0 0e

in0eres0 sou0 0o ?e 7ro0e+0ed alls =i0in a s0a0u0or or +ons0i0u0ional uaran0ee. alley Forge

Chrisian College v. 'meri,ans nied or *eparaion o Chur,h and *ae 454 .. 4"4, 4$1

(1&%2)'sso,iaion o /aa Pro,essing *ervi,e hiehurs, $3 Fla. 152, 15$, $4 o. 2'5, 2'$ (1&1$) ?odheim v. Ciy o Tampa, 42"


38/47

o. 2d 1'%4, 1'%"#%% (Fla. 2d 8-A 1&%3).

Te inCur mus0 ?e dis0in+0 and 7al7a?le. >arh v. *eldin, 422 .. 4&', 5'1 (1&$5). @0 ma

no0 ?e a?s0ra+0, +onCe+0ural or 7o0e0i+al.'llen v. >righ, 4"% .. $3$, $41 (1&%4).

@n 0e ordinar +ourse, a li0ian0 mus0 asser0 is or er o=n leal ri0s and in0eres0s, and

+anno0 res0 a +laim 0o relie on 0e leal ri0s or in0eres0s o 0ird 7ar0ies. Poers v. rig0, 4"% .. $3$, $51

(1&%4) em7asis added).

-onseDuen0l, s0andin +onsis0s o 0=o a?solu0el essen0ial elemen0s (THAT AR

@@N FR/ TH @NTANT -A)> (A) 6iola0ion o a leal ri0, and () 7ersonal inCur

+aused ? 8eendan0s. Plain0i as no0 +laimed ei0er in 0is ma00er[

Tere is no la=, s0a0u0e, +ode or rule 0a0 =ill i6e Plain0i a ri0 0o ore+losure =i0ou0

7ro7er and la=ul s0andin ?eore a -our0.

Wen s0andin is raised as an issue, 0e 0rial +our0 mus0 de0ermine =e0er 0e 7lain0i as

a sui+ien0 in0eres0 a0 s0ae in 0e +on0ro6ers 0a0 =ill ?e ae+0ed ? 0e ou0+ome o 0e


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li0ia0ion.Fo0 v. ProDl >re,%er


40/47

dismissed, =i0 7reCudi+e.

VI. NEATIVE AVERMENTS

8eendan0s are no0 in re+ei70 o, nor in 7ossession o, nor as irs0#and no=lede o an

+er0iied do+umen0(s) or o0er relia?le inorma0ion, areemen0, la= or s0a0u0e 0a0 6eriies 0a0

8eendan0s +anno0 re6oe, res+ind, and 0ermina0e all o 0eir sina0ures rela0in 0o anGall said

or0ae No0e and or0ae do+umen0s, o0er +on+urren0 areemen0s and 7o=er o a00ornes

nun+ 7ro 0un+ rom 0eir in+e70ion, 0ere? renderin said do+umen0s, +on0ra+0s and 0rus0

areemen0s void ab iniioin 0is ma00er.



Plain0i is 0e +redi0or 0a0 loanI 8eendan0s la=ul mone or leal 0ender, and 8eendan0s

?elie6e 0a0 no e6iden+e 0o 0e +on0rar eJis0s.



Plain0is did no0 enae in A+0ual Fraud, -ons0ru+0i6e Fraud, @n0en0ional Fraud, Fraud in 0e

Fa+0um, Fraud in 0e @ndu+emen0, Fraud in 0e Je+u0ion, rea+ o -on0ra+0, a0erial

isre7resen0a0ion, 8e+ei0, ail Fraud, -on0ra+0, Non#8is+losure, Ba+ o -on0ra+0 -onsidera0ion,

rand Bar+en, nCus0 nri+men0, rea+ o Fidu+iar 8u0, an m?ezzlemen0, an Fraud,

nla=ul -on6ersion, and Ra+e0eerin, and 8eendan0s ?elie6e 0a0 no e6iden+e 0o 0e +on0rar

eJis0s.


+er0iied do+umen0(s) or o0er relia?le inorma0ion 0a0 6eriies 0a0 Plain0is did no0 sell 0e

or0ae No0e sined ? 8eendan0s as an un#reis0ered se+uri0 in 6iola0ion o Te e+uri0ies

A+0 o 1&33 and o0er 0a0e and Federal au0ori0ies, and 8eendan0s ?elie6e 0a0 no e6iden+e 0o


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0e +on0rar eJis0s.



8eendan0s are no0 0e older in due +ourse in 0is ma00er reardin or0ae No0e, and

8eendan0s ?elie6es 0a0 no e6iden+e 0o 0e +on0rar eJis0s.

8eendan0s a6e no re+ord or admissi?le e6iden+e 0a0 Plain0i is 0e o=ner o 0e


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/riinal, nal0ered or0ae No0e and or0ae, and 8eendan0s ?elie6es 0a0 no e6iden+e 0o

0e +on0rar eJis0s.

8eendan0s a6e no0 ?een 7resen0ed =i0 an e6iden+e 0a0 so=s 0a0 8eendan0s are no0

0e 0rue Bender o 0e alleed ini0ial loan.


+er0iied do+umen0(s) or o0er relia?le inorma0ion es0a?lisin 0a0 8eendan0s are no0 0e 0rue

Bender and 0a0 Plain0is are no0 0e orro=er reardin 0e alleed loan,I and 8eendan0s

?elie6e 0a0 no e6iden+e 0o 0e +on0rar eJis0s.

8eendan0s a6e no re+ord or e6iden+e 0a0 Plain0i iled a --1 Finan+in 0a0emen0 0o

Cus0i a 6alid lien, and 8eendan0s ?elie6es 0a0 no e6iden+e 0o 0e +on0rar eJis0s.

8eendan0s a6e no0 ?een 7resen0ed =i0 an e6iden+e 0a0 so=s 0a0 0e su?Ce+0 7ro7er0

Plain0i is a00em70in 0o ore+lose on as no0 ?een 7aid or and 0a0 Plain0i is no0 a00em70in 0o

dou?le 0aJ 8eendan0s and 8eendan0s ?elie6e 0a0 no e6iden+e 0o 0e +on0rar eJis0s.

8eendan0s a6e no no=lede, re+ord or ?elie o an e6iden+e es0a?lisin 0a0 0e

su?Ce+0 7ro7er0 Plain0i are a00em70in 0o ore+lose on as no0 ?een 7aid or and 0a0 Plain0is

are no0 a00em70in 0o dou?le 0aJ 8eendan0s, and 8eendan0s ?elie6es 0a0 no e6iden+e 0o 0e

+on0rar eJis0s.

8eendan0s a6e no no=lede, re+ord or ?elie o an e6iden+e es0a?lisin 0a0 0e

su?Ce+0 7ro7er0 Plain0is are a00em70in 0o ore+lose on as no0 ?een 7aid or and 0a0 Plain0i is

no0 a00em70in 0o s0eal 8eendan0s; 7ro7er0, and 8eendan0s ?elie6e 0a0 no e6iden+e 0o 0e

+on0rar eJis0s.

8eendan0s a6e no0 ?een 7resen0ed =i0 an e6iden+e 0a0 so=s 0a0 ? 8eendan0s

sinin a or0ae No0e or 0e su?Ce+0 7ro7er0 Plain0is are a00em70in 0o ore+lose on 0a0 said

7ro7er0 is no0 7aid in ull, and 8eendan0s ?elie6e 0a0 no e6iden+e 0o 0e +on0rar eJis0s.


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8eendan0s a6e no0 ?een 7resen0ed =i0 an e6iden+e 0a0 so=s Plain0i is 0e older o

0e 0rue, unal0ered or0ae and No0e sined ? 8eendan0s, and 8eendan0s ?elie6es 0a0 no

e6iden+e 0o 0e +on0rar eJis0s.

8eendan0s a6e no no=lede, re+ord or ?elie o an e6iden+e es0a?lisin 0a0

Plain0is are 0e older o 0e 0rue, unal0ered or0ae and No0e sined ? 8eendan0s, and

8eendan0s ?elie6e 0a0 no e6iden+e 0o 0e +on0rar eJis0s.


44/47

8eendan0s a6e no0 ?een 7resen0ed =i0 an e6iden+e 0a0 so=s Plain0is a6e no0

?rou0 a raudulen0 +laim aains0 8eendan0s, and 8eendan0s ?elie6es 0a0 no e6iden+e 0o 0e

+on0rar eJis0s.

8eendan0s a6e no0 ?een 7resen0ed =i0 an e6iden+e 0a0 so=s 0a0 0is +ase sould no0

?e dismissed, =i0 7reCudi+e due 0o un+lean ands, and 0a0 +lear 0i0le sould no0 ?e a=arded 0o

8eendan0s and all unds 0ransmi00ed 0o raudulen0 7aees ?e re0urned 0o 8eendan0s .

8eendan0s do no0 see an e6iden+e in 0e re+ord es0a?lisin 0a0 +ounsel is an aen0 or

Plain0i 0a0 as 7ro7er s0andin ?eore 0is -our0. 8eendan0s a6e no no=lede, re+ord or

?elie o an e6iden+e in 0e re+ord es0a?lisin 0a0 +ounsel is an aen0 or Plain0is 0a0 a6e

7ro7er s0andin ?eore 0is -our0 and 8eendan0s ?elie6e 0a0 no e6iden+e 0o 0e +on0rar eJis0s.

8eendan0s do no0 see in 0e re+ord a 7o=er o a00orne or re0ainer areemen0 rom

Plain0i 0o +ounsel es0a?lisin +ounsel as a bona ideaen0 or Plain0i in 0ese 7ro+eedins.

8eendan0s a6e no no=lede, re+ord or ?elie o a 7o=er o a00orne, re0ainer areemen0 or an

o0er areemen0 ?e0=een Plain0is and +ounsel es0a?lisin +ounsel as a bona ide aen0 or

Plain0is in 0ese 7ro+eedins and 8eendan0s ?elie6e 0a0 no e6iden+e 0o 0e +on0rar eJis0s.(4)

To es0a?lis 7ro7er s0andin, Plain0is and +ounsel mus0 7ro6ide 7roo o aen+ in 0e

+our0 re+ordGe6iden+e ile in order or Plain0is 0o es0a?lis s0andin ?eore 0e +our0. @ +ounsel is

no0 7ro7er ?eore 0e +our0, Plain0is ur0er la+s s0andin ?eore 0is -our0.

For 0e oreoin reasons, 0is -our0 la+s su?Ce+0#ma00er Curisdi+0ion. 8eendan0s

0ermina0ed 0e mor0ae do+umen0s 6ia re6oin 0eir sina0ures due 0o raud and re6oed 7o=er

o a00ornes due 0o raud. Te


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WHEREFORE! des7i0e 0e a+0 0a0 Plain0is iled a +om7lain0I in 0is ma00er, 0ere

=as no +aseI or 6alid a+0ion 7resen0ed 0o 0e -our0 Plain0is did no0Gdoes no0 a6e s0andin

=i0ou0 7roo o o=nersi7 o /riinal No0e and or0ae a0 0e +ommen+emen0 o 0e a+0ion.

Plain0is are no0 older in due +ourse and are no0 en0i0led 0o an0in in 0is ma00er.

Fur0er, =i0ou0 an a+0ual 7ersonal inCur, Plain0is ad no s0andin a0 0e ou0se0 o 0is

+ase.


46/47

Wen Plain0i;s alleed aen0 iled 0e a+0ion, i0 ad no meri0 and 0e +om7lain0 =as iled

in ?ad ai0. Te +om7lain0 is a sam, a raud u7on 0e -our0, and 0e same mus0 ?e s0ri+en rom

0e re+ord, W@TH PR


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Pone> 4'$#$1%#"%2% Pone> 4'$#%34#4515 email> 7?s*+l.rr.+om

motion f dismissal blank

Documents