phillip r. corvello v. wells fargo bank, na, dba america’s servicing company, dba wells fargo home...

7/27/2019 PHILLIP R. CORVELLO v. WELLS FARGO BANK, NA, DBA America’s Servicing Company, DBA Wells Fargo Home Mort…

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EKZ P\JMGHORGKI

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EKZ RDL IGIRD HGZH\GR

PDGMMGP Z) HKZULMMK- Pmogitgee#Opplmmoit -

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Bleliboit#Opplmmll)

Ik) ??#?5:82

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N OZLI M\HGO> FLEEZLW M\HGO- ki jldome ke tdlcslmvls oib omm ktdlrssgcgmormy sgtuotlb-

Pmogitgees#Opplmmoits-

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Bleliboit#Opplmmll)

Ik) ??#?5:2:

B)H) Ik)

86?0#hv#02127#FXQ

KPGIGKI

Opplom erkc tdl \igtlb Xtotls Bgstrght Hkurtekr tdl Ikrtdlri Bgstrght ke Homgekrigo

Fleerly X) Qdgtl- Bgstrght Fubal- Prlsgbgia

Hosl6 ??#?5:82 04+04+:0?8 GB6 418<:25 BntLitry6 24#? Poal6 ? ke ?1



HKZULMMK U) QLMMX EOZAK JOIN :

Rdgs succory hkistgtutls ik port ke tdl kpgigki ke tdl hkurt) Gt dos&

jlli prlporlb jy hkur t s toe e ek r tdl hkivliglihl ke tdl rloblr)

Oraulb oib XujcgttlbCorhd :0- :0?8‒Xoi Eroihgshk- Homgekrigo

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Plr Hurgoc Kpgigki>

Hkihurrlihl jy Fubal Ikkioi

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Dkcl Oeekrbojml Ckbgeghotgki Prkaroc

Rdl poilm rlvlrslb tdl bgstrght hkurt‗s bgscgssoms ke bgvlrsgty ohtgkis hdommliagia tdl blhgsgki ke Qlmms EorakJoin ikt tk keelr plrcoilit ckrtaoal ckbgeghotgkis tk

pmogitgee jkrrkwlrs)

Rdl poilm dlmb tdot uiblr tdl Dkcl OeekrbojmlCkbgeghotgki Prkaroc tdl join wos hkitrohtuommy rlqugrlb tkkeelr tdl pmogitgees o plrcoilit ckrtaoal ckbgeghotgki oetlr tdly hkcpmglb wgtd tdl rlqugrlclits ke o trgom plrgkb pmoi$”RPP–') Rdl poilm dlmb tdot tdl bgstrght hkurt sdkumb iktdovl bgscgsslb tdl pmogitgees‗ hkcpmogits wdli tdl rlhkrb jlekrl gt sdkwlb tdot tdl join dob ohhlptlb oib rltogilb tdl poyclits blcoiblb jy tdl RPP- jut ilgtdlr keelrlb o

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HKZULMMK U) QLMMX EOZAK JOIN 8

plrcoilit ckbgeghotgki- ikr iktgeglb pmogitgees tdly wlrl iktlitgtmlb tk kil- os rlqugrlb jy tdl tlrcs ke tdl RPP)

Fubal Ikkioi hkihurrlb gi tdl fubaclit)

HK\IXLM

Rgcktdy A) Jmkkb- Mlsmgl L) Durst $oraulb' oib Rdkcos F)

K‗Zlorbki- GG- Jmkkb Durst % K‗Zlorbki- MMP- Xoi Bglak-Homgekrigo> Oibrlw X) Erglbcoi- Lmogil O) Zyoi oib Potrghgo I) Xyvlrski- Jkiiltt- Eogrjkuri- Erglbcoi % Jomgit- P)H)-Pdkligx- Orgzkio> Rkbb B) Horplitlr- Jkiiltt- Eogrjkuri-Erglbcoi % Jomgit- P)H)- Xoi Bglak- Homgekrigo> Focls Z)Pottlrski- Pottlrski Mow Arkup- Xoi Bglak- Homgekrigo- ekr Pmogitgee#Opplmmoit Pdgmmgp Z) Hkrvlmmk)

Jrgoi Z) Xtroial- Arlthdli Horplitlr $oraulb' oib Obrgoi Z)Johki- Xtroial % Horplitlr- Mks Oialmls- Homgekrigo> DlriïiUlro- Pujmgh Hkuislm- Mks Oialmls- Homgekrigo- ekr Pmogitgees#

Opplmmoits Norli Muhgo oib Fleerly Muhgo)

Cottdlw A) Jomm- N%M Aotls MMP- Xoi Eroihgshk- Homgekrigo>Grlil H) Erlgblm $oraulb' oib Bovgb B) Hdrgstlisli- N%MAotls MMP- Jkstki- Cossohdusltts- ekr Bleliboit#Opplmmll)

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KPGIGKI

PLZ H\ZGOC6

GIRZKB\HRGKI

Rdl \)X) Blportclit ke tdl Rrlosury- ohtgia uiblr tdlbgrlhtgki ke Hkiarlss- mouihdlb tdl Dkcl OeekrbojmlCkbgeghotgki Prkaroc $”DOCP–' gi :007 tk dlmp bgstrlsslb

dkclkwilrs wgtd blmgiqulit ckrtaoals- jut tdl prkarocsllcs tk dovl hrlotlb ckrl mgtgaotgki tdoi gt dos doppydkclkwilrs) Rdl gssul wl cust blhgbl gs wdltdlr o join wos hkitrohtuommy rlqugrlb tk keelr tdl pmogitgees o plrcoilitckrtaoal ckbgeghotgki oetlr tdly hkcpmglb wgtd tdlrlqugrlclits ke o trgom plrgkb pmoi $”RPP–') Rdl bgstrght hkurtdlmb tdl join wos ikt- oib wl rlvlrsl)

Xgcgmor gssuls dovl orgsli gi jktd stotl oib elblrom hkurts)Ql ikw ekmmkw tdl Xlvlitd Hgrhugt‗s mlobgia elblromopplmmotl blhgsgki- wdghd hocl bkwi oetlr tdl bgstrght hkurt‗s

rumgia gi tdgs hosl- tk dkmb tdot tdl join wos rlqugrlb tk keelr tdl ckbgeghotgki) Xll Qgakb v) Qlmms Eorak Join- I)O)-518 E)8b <21 $1td Hgr) :0?:') Rdl bgstrght hkurt sdkumb iktdovl bgscgsslb tdl pmogitgees‗ hkcpmogits wdli tdl rlhkrb jlekrl gt sdkwlb tdot tdl join dob ohhlptlb oib rltogilb tdl poyclits blcoiblb jy tdl RPP- jut ilgtdlr keelrlb o plrcoilit ckbgeghotgki- ikr iktgeglb pmogitgees tdly wlrl iktlitgtmlb tk kil- os rlqugrlb jy tdl tlrcs ke tdl RPP)

JOHNAZK\IB

Gi rlspkisl tk tdl uiekmbgia egioihgom hrgsgs ke :004-Hkiarlss posslb tdl Lclralihy Lhkikcgh Xtojgmgzotgki Oht-Puj) M) Ik) ??0#828- ?:: Xtot) 815<) Rdgs mow gihmublb tdl




HKZULMMK U) QLMMX EOZAK JOIN <

Rrkujmlb Osslt Zlmgle Prkaroc $”ROZP–'- ”wdghd rlqugrlbtdl Xlhrltory ke tdl Rrlosury- ockia coiy ktdlr butgls oib pkwlrs- tk —gcpmlclit o pmoi tdot sllns tk coxgcgzlossgstoihl ekr dkclkwilrs oib ) ) ) lihkuroal tdl slrvghlrske tdl uiblrmygia ckrtaoals ) ) ) tk tonl obvoitoal ke ) ) )ovogmojml prkarocs tk cgigcgzl ekrlhmksurls)‗– Qgakb -518 E)8b ot <<5 $quktgia ?: \)X)H) § <:?7$o'') Pursuoit tktdgs gistruhtgki- tdl Rrlosury Blportclit gi :007 stortlb tdlDOCP prkaroc tk gihlitgvgzl joins tk rlegioihl ckrtaoals

ke bgstrlsslb dkclkwilrs sk tdly hkumb stoy gi tdlgr dkcls)Dkcl mkoi slrvghlrs- gihmubgia Bleliboit#Opplmmll QlmmsEorak Join- I)O) $”Qlmms Eorak–'- sgailb Xlrvghlr Portghgpotgki Oarllclits wgtd Rrlosury tdot litgtmlb tdlc tk"?-000 ekr lohd plrcoilit ckbgeghotgki tdly cobl- jutrlqugrlb tdlc tk ekmmkw Rrlosury augblmgils oib prkhlburls)

Rdl prkhlss ke oppmygia ekr oib rlhlgvgia o plrcoilitckbgeghotgki pmoys kut gi slvlrom stlps- os slt ekrtd giRrlosury Xuppmlclitom Bgrlhtgvl 07#0? $”XB 07#0?–'- tdlhkitrkmmgia Rrlosury augblmgil burgia tdl lvlits mlobgia tk

tdgs sugt) Egrst- jkrrkwlrs suppmy giekrcotgki ojkut tdlgr egioihls oib tdlgr giojgmgty tk poy tdlgr hurrlit ckrtaoal tktdl slrvghlr- oib tdl slrvghlr cust lvomuotl wdltdlr tdl jkrrkwlrs quomgey ekr o mkoi ckbgeghotgki) XB 07#0?) Rdlslrvghlr hkcputls ckbgeglb ckrtaoal poyclits ki tdl josgske tdl jkrrkwlrs‗ giekrcotgki) Gb)

Ekr jkrrkwlrs wdk opplor lmgagjml tk portghgpotl giDOCP- tdl slrvghlr tdli prlporls o RPP) Rdl RPP rlqugrls jkrrkwlrs tk sujcgt bkhuclitotgki tk hkiegrc tdl ohhurohyke tdlgr gigtgom egioihgom rlprlslitotgkis- oib tk conl trgom

poyclits ke tdl ckbgeglb ockuit tk tdl slrvghlr) Rdlslrvghlr cust usl tdl bkhuclitotgki tk ”hkiegrc tdot tdl

Hosl6 ??#?5:82 04+04+:0?8 GB6 418<:25 BntLitry6 24#? Poal6 < ke ?1




jkrrkwlr^sS– cllt tdl lmgagjgmgty hrgtlrgo ekr o plrcoilitckbgeghotgki) Gb)

Gi tdl stlp ckst hrgtghom tk tdgs mgtgaotgki- tdl slrvghlr tdlicust rlpkrt tk tdl jkrrkwlrs tdl rlsumts ke tdl lmgagjgmgtybltlrcgiotgkis) Gb) Ge o jkrrkwlr bkls ikt quomgey ekr tdlDOCP prkaroc- tdl slrvghlr cust ikt kimy omlrt tdl jkrrkwlr- jut cust hkisgblr omtlriotgvls) Rdl slrvghlr sdkumb”prkcptmy hkccuighotl tdot ^gilmgagjgmgtyS bltlrcgiotgki tk

tdl jkrrkwlr gi wrgtgia oib hkisgblr tdl jkrrkwlr ekr oiktdlr ekrlhmksurl prlvlitgki omtlriotgvl)– Gb) Ekr jkrrkwlrs wdkdovl cobl omm tdlgr poyclits oib wdksl rlprlslitotgkisrlcogi ohhurotl- tdl slrvghlr cust keelr o plrcoilit dkclmkoi ckbgeghotgki) Gb)

Qlmms Eorak ilvlr keelrlb pmogitgees Pdgmmgp Hkrvlmmk oibNorli oib Fleerly Muhgo o ckbgeghotgki) Rdly egmlb slporotlohtgkis oaogist Qlmms Eorak- oib tdlgr hosls wlrlhkiskmgbotlb) Rdlgr sgtuotgkis bgeelr eohtuommy gi tdotHkrvlmmk‗s blomgias wgtd Qlmms Eorak wlrl gi wrgtgia- wdgml

tdl Muhgos blomt wgtd tdl join jy pdkil) Rdly jktd hkitlibtdot tdly rlohdlb oarllclits wgtd Qlmms Eorak wdlrljyQlmms Eorak wos rlqugrlb tk keelr tdlc plrcoilit ckrtaoalckbgeghotgkis ge tdly hkcpmglb wgtd tdl rlqugrlclits ke tdlgr trgom pmois- gihmubgia prkvgia tdlgr lmgagjgmgty ekr tdl plrcoilit ckbgeghotgki oib congia tdl trgom poyclits) Ge tdly bgb ikt quomgey ekr tdl ckbgeghotgki- tdlgr oarllclitsrlqugrlb Qlmms Eorak tk omlrt tdlc gcclbgotlmy oib lib tdl plrgkb ke trgom poyclits) Rdly ommlal tdot tdly hkcpmglb wgtdtdlgr trgom pmois oib cobl tdl rlqugrlb poyclits- oib sdkumbdovl jlli keelrlb plrcoilit ckbgeghotgkis)

Rdl bgstrght hkurt bgscgsslb jktd ohtgkis uiblr Zuml?:$j'$5'- sk wl ohhlpt tdl ommlaotgkis ke tdl hkcpmogits os





trul) Nodml v) Akizomls- 241 E)8b 571- 577 $7td Hgr) :001')Ohhkrbgia tk Hkrvlmmk‗s hkcpmogit- dl prkvgblb Qlmms Eorakwgtd dgs egioihgom giekrcotgki vgo o egioihgom wkrnsdllt giFuil ke :007) Qlmms Eorak tdli slit dgc o RPP) Rdl RPPstotlb gi tdl egrst mgil tdot ge Hkrvlmmk‗s rlprlslitotgkis wlrlohhurotl oib dl hkcpmglb wgtd tdl tlrcs ke tdl trgom pmoi- dlwkumb rlhlgvl o ckbgeghotgki keelr) Rdl RPP omsk- oib ki tdlsocl poal- ossurlb dgc- os gt wos rlqugrlb tk bk jy tdloppmghojml Rrlosury Bgrlhtgvl- tdot tdl join wkumb tlmm dgc

kil woy kr oiktdlr ki dgs lmgagjgmgty ekr o ckbgeghotgki) Gtrlob6

Ge G oc gi hkcpmgoihl wgtd tdgs Mkoi RrgomPlrgkb oib cy rlprlslitotgkis gi Xlhtgki ?hkitgiul tk jl trul gi omm cotlrgom rlsplhts-tdli tdl Mliblr wgmm prkvgbl cl wgtd o MkoiCkbgeghotgki Oarllclit- os slt ekrtd giXlhtgki 8- tdot wkumb oclib oib suppmlclit$?' tdl Ckrtaoal ki tdl Prkplrty- oib $:' tdl Iktl slhurlb jy tdl Ckrtaoal) ) ) ) G

uiblrstoib tdot oetlr G sgai oib rlturi twkhkpgls ke tdgs Pmoi tk tdl Mliblr- tdl Mliblr wgmm slib cl o sgailb hkpy ke tdgs Pmoi ge Gquomgey ekr tdl Keelr kr wgmm slib cl wrgttliiktghl tdot G bk ikt quomgey ekr tdl Keelr)

Poroaropd :E ke tdl RPP omlrtlb tdl jkrrkwlr tk tdlkjmgaotgkis ke tdl portgls jlekrl tdlrl hkumb jl o plrcoilitckbgeghotgki) Gt rlqugrlb- gi obbgtgki tk tdl jkrrkwlr congiatdl poyclits oib cogitogigia tdl ohhurohy ke tdlrlprlslitotgkis- tdot tdl slrvghlr prkvgbl oi lxlhutlb hkpy ke

tdl RPP oib Ckbgeghotgki Oarllclit tk tdl jkrrkwlr) Gtstotlb os ekmmkws6





Ge prgkr tk tdl Ckbgeghotgki Leelhtgvl Botl- $g'tdl Mliblr bkls ikt prkvgbl cl o eummylxlhutlb hkpy ke tdgs Pmoi oib tdlCkbgeghotgki Oarllclit> $gg' G dovl ikt cobltdl Rrgom Plrgkb poyclits rlqugrlb uiblr Xlhtgki : ke tdgs Pmoi> kr $ggg' tdl Mliblr bltlrcgils tdot cy rlprlslitotgkis gi Xlhtgki? orl ik mkialr trul oib hkrrlht- tdl MkoiBkhuclits wgmm ikt jl ckbgeglb oib tdgs Pmoi

wgmm tlrcgiotl)

Poroaropd :A ke tdl RPP stotlb tdot ik ckbgeghotgki wkumbtonl leelht uitgm tdl jkrrkwlr rlhlgvlb o sgailb hkpy ke tdlCkbgeghotgki Oarllclit) Gt rlob os ekmmkws6

G uiblrstoib tdot tdl Pmoi gs ikt ockbgeghotgki ke tdl Mkoi Bkhuclits oib tdottdl Mkoi Bkhuclits wgmm ikt jl ckbgeglbuimlss oib uitgm $g' G cllt omm ke tdl hkibgtgkisrlqugrlb ekr ckbgeghotgki- $gg' G rlhlgvl o eummy

lxlhutlb hkpy ke o Ckbgeghotgki Oarllclit-oib $ggg' tdl Ckbgeghotgki Leelhtgvl Botl dos posslb) ) ) )

Oetlr Hkrvlmmk sgailb oib rlturilb tdl RPP- oib blspgtltdl iktgeghotgki rlprlslitotgki ki tdl egrst poal ke tdl RPP-Qlmms Eorak- ohhkrbgia tk tdl hkcpmogit- ilvlr tkmb Hkrvlmmkwdltdlr dl quomgeglb ekr o ckbgeghotgki) Hkrvlmmk ommlals dlhkcpmglb wgtd tdl RPP‗s tlrcs- oib cobl omm tdrll poyclitski tgcl) Qlmms Eorak stgmm ilvlr keelrlb dgc o plrcoilitckbgeghotgki- ikr bgb gt iktgey dgc tdot dl bgb ikt quomgey) Dl

sllns tdl plrcoilit ckbgeghotgki keelr ommlalbmy bul dgcuiblr tdl RPP oarllclit- oib bocoals ekr tdl poyclits dlcobl tk Qlmms Eorak)





Rdl Muhgos‗ gitlrohtgki wgtd Qlmms Eorak wos cotlrgommysgcgmor tk Hkrvlmmk‗s lxplrglihl) Rdly ommlal tdot QlmmsEorak keelrlb tdlc o trgom pmoi- wgtd tdl prkcgsl ke o plrcoilit ckbgeghotgki ge tdly eummy hkcpmglb) Rdly coblomm ke tdl rlqugrlb poyclits oib sujcgttlb tdl bkhuclitsrlqulstlb jy Qlmms Eorak) Blspgtl plrekrcoihl ke tdlgr kjmgaotgkis uiblr tdl RPP- tdly- mgnl Hkrvlmmk- hmogc QlmmsEorak ilgtdlr keelrlb tdlc o plrcoilit ckbgeghotgki- ikr omlrtlb tdlc tdot tdly wlrl gilmgagjml ekr o ckbgeghotgki)

Gistlob- Qlmms Eorak ekrlhmkslb ki tdlgr dkcl oib skmb gt)Rdlgr hkcpmogit sllns rlshgssgki ke tdl ekrlhmksurl- oi keelr ke plrcoilit ckbgeghotgki- oib bocoals)

Rdl pmogitgees egmlb tdlgr hkcpmogits gi \igtlb XtotlsBgstrght Hkurt ekr tdl Ikrtdlri Bgstrght ke Homgekrigo-givkngia tdot hkurt‗s bgvlrsgty furgsbghtgki oib sllngia tkoppmy Homgekrigo mow) Rdlgr hkcpmogits ommlalb tdot jlhousltdly hkcpmglb wgtd tdl kjmgaotgkis ke tdlgr RPPs jysujcgttgia ohhurotl bkhuclitotgki oib congia trgom poyclits- tdlrl wos oi liekrhlojml hkitroht tdot jkuib tdl

slrvghlr- Qlmms Eorak- tk keelr plrcoilit ckbgeghotgkis)

Rdl bgstrght hkurt hkihmublb tdot ohhlptgia tdl pmogitgees‗ommlaotgkis os trul- tdl moiauoal ke tdl RPP hkumb ikt suppkrto hkitroht ekr o plrcoilit mkoi ckbgeghotgki) Rdl hkurtrlmglb ki Poroaropd :A ke tdl RPP- wdghd stotlb tdot tdl mkoiwkumb ikt jl ckbgeglb ”uimlss oib uitgm– tdl jkrrkwlr rlhlgvlb o ”eummy lxlhutlb hkpy ke o CkbgeghotgkiOarllclit)– Gt hkihmublb tdot uiblr tdot prkvgsgki- tdl join‗s prkcgsl tk keelr o plrcoilit ckbgeghotgki woshkibgtgkilb ki tdl join‗s slibgia tdl pmogitgees o sgailb

Ckbgeghotgki Oarllclit) Jlhousl tdl join bgb ikt slib tdl pmogitgees o sgailb Ckbgeghotgki Oarllclit- tdl bgstrght hkurt




HKZULMMK U) QLMMX EOZAK JOIN ?0

rumlb tdot tdl join wos ikt rlqugrlb tk keelr o plrcoilitckbgeghotgki- oib bgscgsslb tdl hmogcs ekr jrlohd ke hkitroht)

Pmogitgees omsk ommlalb hmogcs ke prkcgsskry lstkpplm- jrlohdls ke tdl hkvlioit ke akkb eogtd oib eogr blomgia- oibvgkmotgkis ke Homgekrigo‗s \ieogr Hkcpltgtgki Mow- Hom) Jus)% Prke) Hkbl §§ ?1:00- lt slq)- oib tdl Muhgos eurtdlr ommlalbo vgkmotgki ke tdl Zkslitdom Eogr Bljt Hkmmlhtgki ProhtghlsOht- Hom) Hgv) Hkbl § ?144)?1) Jlhousl omm tdlsl hmogcs

blpliblb ki o prkcgsl jy tdl join tk keelr o plrcoilitckbgeghotgki ge tdl pmogitgees clt tdl hkibgtgkis ke tdl RPP-tdl bgstrght hkurt bgscgsslb tdlc os wlmm- oib wgtdkut mlovl tkoclib) Jktd Hkrvlmmk oib tdl Muhgos opplom tdl bgscgssom ke omm tdl hmogcs)

BGXH\XXGKI

Rdl gssul wl cust blhgbl gs wdltdlr tdl join woshkitrohtuommy kjmgaotlb uiblr tdl tlrcs ke tdl RPP tk keelr o plrcoilit ckbgeghotgki tk jkrrkwlrs wdk hkcpmglb wgtd tdl

RPP jy sujcgttgia ohhurotl bkhuclitotgki oib congia trgom poyclits) Xtotl oib elblrom hkurts dovl blomt wgtd sgcgmor gssuls- gi sgcgmor eohtuom hgrhucstoihls- gi o iucjlr ke hosls)Xll Xuthmgeel v) Qlmms Eorak Join- I)O)- :48 E)Z)B) <88-<27‘<0 $I)B) Hom) :0?:' $hkmmlhtgia hosls')

Rdl mlobgia hosl ki tdl hkitrohtuom kjmgaotgkis ke joinsuiblr RPP oarllclits gs tdl Xlvlitd Hgrhugt‗s blhgsgki giQgakb v) Qlmms Eorak Join- I)O)- 518 E)8b <21 $1td Hgr):0?:') Rdot hkurt dlmb tdot joins wlrl rlqugrlb tk keelr plrcoilit ckbgeghotgkis tk jkrrkwlrs wdk hkcpmltlb tdlgr

kjmgaotgkis uiblr tdl RPPs- uimlss tdl joins tgclmy iktgeglbtdksl jkrrkwlrs tdot tdly bgb ikt quomgey ekr o DOCPckbgeghotgki) Gb) ot <5:‘58) Ktdlr hkurts dovl sgihl

Hosl6 ??#?5:82 04+04+:0?8 GB6 418<:25 BntLitry6 24#? Poal6 ?0 ke ?1



HKZULMMK U) QLMMX EOZAK JOIN ??

ekmmkwlb tdl rloskigia ke Qgakb ) Xll- l)a)- Wkuia v) Qlmms Eorak Join- I)O)- Ik) ?:#?20<- :0?8 QM :?5<:5:- ot &5 $?stHgr) Coy :?- :0?8'> Xuthmgeel- :48 E)Z)B) ot <27‘<:> Qlst v)

FPCkraoi Hdosl Join- I)O)- ?<2 Hom) Zptr) 8b :4<- :77 $Ht)Opp) :0?8')

Rdl Xlvlitd Hgrhugt gi Qgakb rlflhtlb tdl vlry prkpksgtgki tdot Qlmms Eorak osslrts dlrl- oib wdghd tdlbgstrght hkurt ohhlptlb wdli gt hkihmublb tdot tdlrl wos ik

hkitroht) Qlmms Eorak hkitlibs- os gt bgb gi Qgakb - tdotPoroaropd :A ke tdl RPP clois tdlrl hoi jl ik hkitrohtuimlss tdl slrvghlr slibs tdl jkrrkwlr o sgailb CkbgeghotgkiOarllclit) Gt pkgits tk tdl moiauoal gi :A stotgia tdot ”tdlMkoi Bkhuclits wgmm ikt jl ckbgeglb uimlss oib uitgm ) ) ) $gg'^tdl jkrrkwlrS rlhlgvl^sS o eummy lxlhutlb hkpy ke oCkbgeghotgki Oarllclit)–

Rdl Xlvlitd Hgrhugt rlflhtlb Qlmms Eorak‗s pksgtgki jlhousl gt cobl tdl lxgstlihl ke oiy kjmgaotgki hkibgtgkiomskmlmy ki ohtgki ke tdl join- oib hkiemghtlb wgtd ktdlr

prkvgsgkis ke tdl RPP- gihmubgia tdl join‗s prkcgsl tk slibtdl jkrrkwlr o Ckbgeghotgki Oarllclit ge tdl jkrrkwlr hkcpmglb wgtd tdl kjmgaotgkis uiblr tdl RPP oib tdl jkrrkwlr‗s rlprlslitotgkis hkitgiulb tk jl trul) Qgakb -518 E)8b ot <58) Qlmms Eorak‗s gitlrprltotgki ke tdl RPP wossusplht jlhousl gt ommkwlb joins tk ovkgb tdlgr kjmgaotgkis tk jkrrkwlrs clrlmy jy hdkksgia ikt tk slib o sgailbCkbgeghotgki Oarllclit- lvli tdkuad tdl jkrrkwlrs cobl jktd ohhurotl rlprlslitotgkis oib tdl rlqugrlb poyclits) Ostdl Xlvlitd Hgrhugt put gt- Qlmms Eorak‗s gitlrprltotgki wkumbommkw gt tk ”sgcpmy rleusl tk slib tdl Ckbgeghotgki

Oarllclit ekr oiy rloski wdotsklvlr‒gitlrlst rotls wlitup- tdl lhkikcy skurlb- gt fust bgbi‗t mgnl ^tdl

Hosl6 ??#?5:82 04+04+:0?8 GB6 418<:25 BntLitry6 24#? Poal6 ?? ke ?1



HKZULMMK U) QLMMX EOZAK JOIN ?:

JkrrkwlrS‒oib tdlrl wkumb stgmm jl ik jrlohd ) ) ) turi^giaSoi ktdlrwgsl strogadtekrworb keelr gitk oi gmmusgki)– Gb)

Ql jlmglvl tdl rloskigia gi Qgakb gs skuib) Poroaropd:A hoiikt hkivlrt o purpkrtlb oarllclit slttgia ekrtd hmlor kjmgaotgkis gitk o blhgsgki mlet tk tdl uielttlrlb bgshrltgki ke tdl mkoi slrvghlr) Rdl ckrl ioturom oib eogr gitlrprltotgki ke tdl RPP gs tdot tdl slrvghlr cust slib o sgailb CkbgeghotgkiOarllclit keelrgia tk ckbgey tdl mkoi kihl jkrrkwlrs cllt

tdlgr lib ke tdl joraogi) \iblr Poroaropd :A ke tdl RPP-tdlrl hkumb jl ik ohtuom ckrtaoal ckbgeghotgki uitgm omm tdlrlqugrlclits wlrl clt- jut tdl slrvghlr hkumb ikt uigmotlrommyoib wgtdkut fustgeghotgki rleusl tk slib tdl keelr) Os tdlXlvlitd Hgrhugt stotlb gi Qgakb - tdl ckbgeghotgki wos ikthkcpmltl uitgm omm ke tdl hkibgtgkis wlrl clt- ”jut uiblr poroaropd ? oib slhtgki 8 ke tdl RPP- Qlmms Eorak stgmm dob oikjmgaotgki tk keelr ^tdl jkrrkwlrS o plrcoilit ckbgeghotgkikihl ^tdl jkrrkwlrS sotgseglb omm ^S kjmgaotgkis uiblr tdloarllclit)– Gb) $lcpdosgs gi krgagiom') Rdgs gitlrprltotgki ke tdl RPP ovkgbs tdl gifustghl tdot wkumb rlsumt wlrl Qlmms

Eorak‗s pksgtgki ohhlptlb oib Qlmms Eorak ommkwlb tk nllp jkrrkwlrs‗ trgom poyclits wgtdkut eumegmmgia oiy kjmgaotgkisgi rlturi) Rdl RPP bkls ikt hkitlcpmotl suhd oi uieogr rlsumt)

Rdl Xlvlitd Hgrhugt gi Qgakb wos oppmygia Gmmgikgshkitroht mow- oib wl blom wgtd Homgekrigo mow) Rdlrl gs ikwik cotlrgom bgeelrlihl) Gi Qlst - ?<2 Hom) Zptr) 8b ot :77- tdlHomgekrigo Hkurt ke Opplom lxprlssmy obkptlb tdl rloskigiake Qgakb oib hkihmublb tdot tdl trgom pmoi oarllclit gi tdothosl outdkrgzlb joins- jlekrl keelrgia o ckbgeghotgki- tk

lvomuotl kimy wdltdlr jkrrkwlrs dob hkcpmglb wgtd tdloarllclit‗s tlrcs oib wdltdlr tdlgr rlprlslitotgkisrlcogilb trul) Kihl tdl join bltlrcgilb tdot o jkrrkwlr dob

Hosl6 ??#?5:82 04+04+:0?8 GB6 418<:25 BntLitry6 24#? Poal6 ?: ke ?1




hkcpmglb oib tdl rlprlslitotgkis wlrl stgmm trul- tdli tdl join wos rlqugrlb jy tdl oarllclit tk keelr o plrcoilitckbgeghotgki) Gb)

Qlmms Eorak hkitlibs- dkwlvlr- tdot Qlst gs ikthkitrkmmgia jlhousl gt gs ikt o Homgekrigo Xuprlcl Hkurtblhgsgki oib tdlrl gs o hkiemght gi tdl Homgekrigo Hkurts ke Opplom) Qlmms Eorak hgtls Iuiaoroy v) Mgttki MkoiXlrvghgia- MP - ?8< Hom) Zptr) 8b 22: $Ht) Opp) :0??'- os

prkke ke tdgs hkiemght- jut Iuiaoroy bkls ikt oppmy jlhousltdl jkrrkwlrs tdlrl dob eogmlb tk sujcgt tdl bkhuclitsrlqugrlb jy tdl RPP) Gb) ot 221 $tdl join ilvlr ”rlhlgvl^bStdl Iuiaoroys‗ hkcpmltl egioihgom giekrcotgki- blspgtlslibgia tdl Iuiaoroys‗ hkuislm tdrll mlttlrs rlqulstgia tdlgiekrcotgki oib rlturigia kil ke tdl Iuiaoroys‗ poyclitsekr mohn ke ohhkcpoiygia egioihgom giekrcotgki)–') Qdlrl- osdlrl- jkrrkwlrs ommlal- oib wl cust ossucl- tdot tdly dovleumegmmlb omm ke tdlgr kjmgaotgkis uiblr tdl RPP- oib tdl mkoislrvghlr dos eogmlb tk keelr o plrcoilit ckbgeghotgki- tdl jkrrkwlrs dovl vomgb hmogcs ekr jrlohd ke tdl RPP oarllclit)

Qlst - ?<2 Hom) Zptr) 8b ot :77 $”Oppmygia Qgakb tk tdgs hosl-—^oSmtdkuad ^Hdosl JoinS coy dovl dob skcl mgcgtlbbgshrltgki tk slt tdl prlhgsl tlrcs ke oi keelrlb plrcoilitckbgeghotgki- gt wos hlrtogimy rlqugrlb tk keelr skcl skrt ke akkb#eogtd plrcoilit ckbgeghotgki tk ̂ QlstS hkisgstlit wgtdDOCP augblmgils) Gt dos keelrlb ikil)‗– $quktgia Qgakb -518 E)8b ot <5<'')

Qlmms Eorak omsk hkitlibs tdot Qgakb gs cotlrgommybgstgiaugsdojml- pkgitgia tk Poroaropd :E gi tdl RPPs wdghdstotls- ockia ktdlr tdgias- tdot tdl trgom pmoi wgmm lib ge tdl

jkrrkwlr bkls ikt rlhlgvl o sgailb hkpy ke tdl RPP) GiQgakb tdl join ohtuommy slit tdl pmogitgees o sgailb hkpy ke tdl RPP)





Qgakb ‗s dkmbgia- dkwlvlr- bkls ikt turi ki tdot eoht- jutgistlob ki tdl join‗s eogmurl tk tlmm tdl jkrrkwlrs tdot tdlybgb ikt quomgey) Rdl RPP agvls tdl join o hdoihl- oetlr jkrrkwlrs sujcgt tdl hkcpmltlb RPP- tk iktgey tdlc ge tdlybk ikt quomgey) ”\iblr tdl tlrcs ke tdl RPP Oarllclit-tdli- tdot ckclit ^wdli Qlmms Eorak rlhlgvlb tdl jkrrkwlr‗s RPPS wos Qlmms Eorak‗s kppkrtuigty tk bltlrcgilwdltdlr ^tdl jkrrkwlrS quomgeglb) Ge ^tdl jkrrkwlrS bgb ikt-gt hkumb dovl oib sdkumb dovl bliglb ^tdl jkrrkwlrS o

ckbgeghotgki ki tdot josgs)– Qgakb - 518 E)8b ot <5:) Rdgsiktgeghotgki kjmgaotgki gs omsk slt kut gi tdl oppmghojmlRrlosury Bgrlhtgvl) Ge oetlr rlhlgvgia tdl RPP tdl join bltlrcgils tdot o jkrrkwlr gs ikt lmgagjml ekr o ckbgeghotgki-tdl join sdkumb ”prkcptmy hkccuighotl tdot bltlrcgiotgkitk tdl jkrrkwlr gi wrgtgia oib hkisgblr tdl jkrrkwlr ekr oiktdlr ekrlhmksurl prlvlitgki omtlriotgvl)– XB 07#0?) QlmmsEorak‗s kwi eogmurl tk eumegmm tdl iktgeghotgki kjmgaotgki bklsikt blprgvl pmogitgees ke tdl jlilegts ke tdlgr oarllclit)

Qlmms Eorak slporotlmy hkitlibs tdot tdl Muhgos‗ jrlohd

ke hkitroht hmogc hoiikt survgvl tdl stotutl ke eroubs jlhouslgt gs oi krom oarllclit tk ckbgey o ckrtaoal) Rdl Muhgos-dkwlvlr- dovl ommlalb eumm plrekrcoihl ke tdlgr kjmgaotgkisuiblr tdl hkitroht) Rdly tdlrlekrl coy liekrhl tdl rlcogigia prkcgsls) Xll Xlhrlst v) Xlh) Iot‗m Ckrta) Mkoi Rrust

:00:#:- 42 Hom) Zptr) 8b :1<- :42‘4< $Ht) Opp) :004')

Rdl Muhgos‗ hkcpmogit omsk hkitogis o hmogc ekr vgkmotgkike Homgekrigo‗s Zkslitdom Oht- Hom) Hgv) Hkbl § ?144)?1- tdlstotl‗s vlrsgki ke tdl elblrom Eogr Bljt Hkmmlhtgki ProhtghlsOht- ?< \)X)H) §§ ?57:l- ?57:e) Qlmms Eorak hkihlbls gt gs

o bljt hkmmlhtkr uiblr tdl cloigia ke tdl Zkslitdom Oht)Qlmms Eorak hkitlibs- dkwlvlr- tdot gt wos ikt liaoalb gibljt hkmmlhtgki ohtgvgtgls wdli gt keelrlb tdl RPP wgtd gts




HKZULMMK U) QLMMX EOZAK JOIN ?<

hkihkcgtoit blcoib ekr trgom poyclits) Rdl bgstrght hkurt-wdgml bgscgssgia tdl hmogc ki ktdlr arkuibs- hkrrlhtmyrlhkaigzlb tdot Qlmms Eorak wos liaoalb gi bljt hkmmlhtgki)Rdl RPP wos ckrl tdoi oi giekrcotgkiom hgrhumotgki) Rdgs gstdl socl hkihmusgki rlohdlb jy ktdlr bgstrght hkurts) Xll Girl Join ke Oc) Dkcl Oeekrbojml Ckbgeghotgki Prkaroc

$DOCP' Hkitroht Mgtga)- Ik) ?0#CB#0:?78#ZQV- :0?? QM:581:::- ot &5 $B) Coss) Fumy 5- :0??'> he) Zlyls v) Qlmms Eorak Join- I)O)- Ik) H#?0#0?551FHX- :0?? QM 801<7- ot

&:0 $I)B) Hom) Foi) 8- :0??')

Os o egiom cottlr- wl cust rlgtlrotl tdot tdl bgstrght hkurtaroitlb Qlmms Eorak‗s cktgki tk bgscgss tdl hkcpmogitsuiblr Zuml ?:$j'$5'- sk wl tdlrlekrl cust ohhlpt tdlommlaotgkis ke tdl hkcpmogits) Gi krom orauclit- Qlmms Eorakgibghotlb tdot gt bgb gi eoht bltlrcgil tdot tdl pmogitgees wlrlikt quomgeglb- oib tdus ekmmkwlb Rrlosury augblmgils gihdkksgia ikt tk keelr tdlc plrcoilit ckbgeghotgkis) XB 07#0?) Ql orl uiojml tk hkisgblr oiy suhd eohtuom osslrtgki kitdgs rlhkrb oib ot tdgs stoal ke tdl prkhllbgias) Ql orl gi tdl

socl pksgtgki os tdl Xlvlitd Hgrhugt wdli gt pksgtlb tdotQlmms Eorak wkumb keelr tdgs skrt ke blelisl- oib sgcgmormyhkihmublb tdot suhd o blelisl ”prlslits o eohtuom bgsputl tdothoiikt jl rlskmvlb ̂ ot tdl cktgki tk bgscgss stoalS)– Qgakb -518 E)8b ot <17) Ql tdlrlekrl cust rlvlrsl tdl fubaclit oibrlcoib tdl hosl ekr eurtdlr prkhllbgias)

HKIHM\XGKI

Rdl bgstrght hkurt‗s fubaclit aroitgia Qlmms Eorak‗scktgki tk bgscgss gs ZLULZXLB oib ZLCOIBLB)

Hosl6 ??#?5:82 04+04+:0?8 GB6 418<:25 BntLitry6 24#? Poal6 ?< ke ?1




IKKIOI- Hgrhugt Fubal- hkihurrgia6

Zlob os o wdkml tdl RPP jltwlli Hkrvlmmk oib QlmmsEorak conls ik slisl) Gt gs slme#hkitrobghtkry) Poal kil prkcgslb Hkrvlmmk gi twk pmohls tdot ge dgs rlprlslitotgkiswlrl ohhurotl oib ge dl wlrl gi hkcpmgoihl wgtd tdl RrgomPlrgkb Pmoi- tdl Mliblr ”wkumb prkvgbl– dgc ”wgtd o MkoiCkbgeghotgki Oarllclit)– Poroaropd :A stotlb6 ”tdl MkoiBkhuclits wgmm ikt jl ckbgeglb uimlss oib uitgm $g' G cllt omm

ke tdl hkibgtgkis rlqugrlb ekr ckbgeghotgki> $gg' G rlhlgvl oeummy lxlhutlb hkpy ke o Ckbgeghotgki Oarllclit oib $ggg' tdlCkbgeghotgki Leelhtgvl Botl dos posslb)–

Qlmms Eorak broetlb tdgs bkhuclit- oib Qlmms Eorak cust jl dlmb rlspkisgjml ekr gt) Rdl bkhuclit prkcgsls osujstoitgom jlilegt tk Hkrvlmmk ge dl cllts gts tlrcs) Rdlbkhuclit tdli conls tdlsl jlilegts gmmuskry jlhousl tdlyblplib litgrlmy ki tdl wgmm ke Qlmms Eorak) Rk soy- ”G agvl"?00 ekr ykur wothd jut G wgmm blhgbl wdltdlr G poy yku"?00– gs ikt tk conl o hkitroht jut tk liaoal gi o emgc#emoc

kr- gi pmogi wkrbs- tk wkrn o eroub) Wku prkcgsl sk tdot tdlktdlr wgmm plrekrc) Wku rlslrvl ykur prkcgsl sk tdot tdl prkcgsl gs lcpty wdgml yku dovl akttli wdot yku woitlberkc tdl prkcgsll)

Ik purpksl wos slrvlb jy tdl bkhuclit Qlmms Eorak prlporlb lxhlpt tdl eroubumlit purpksl ke gibuhgia Hkrvlmmktk conl tdl poyclits wdgml tdl join rltogilb tdl kptgki ke ckbgeygia tdl mkoi kr stgeegia dgc) ”Dlobs G wgi- togms ykumksl– gs o eroubumlit hkgi tkss) Qlmms Eorak bgb ik jlttlr)

Ohhkrbgia tk tdl Muhgos‗ hkcpmogit- tdlgr blomgias wgtdQlmms Eorak wlrl krom) Cs) Muhgo ”wos gitlrvglwlb jy pdkiloib prl#opprkvlb ekr tdl ^DOCP mkoiS ckbgeghotgki)– Xdl





wos giekrclb tdot ge sdl oib dlr dusjoib ”slit gi omm tdlrlqugrlb bkhuclits oib cobl omm tdlgr poyclits ki tgcl-tdlgr rlbuhlb ckitdmy poyclit wkumb jlhkcl plrcoilit)–Rdl Muhgos ommlal tdot tdly cobl tdlgr ”trgom plrgkb pmoi poyclits os shdlbumlb)– Rdl join ekrlhmkslb) Rdlslommlaotgkis orl sueeghglit tk conl tdl Muhgos‗ pksgtgkioiomkakus tk Hkrvlmmk‗s)

Hkiegilb os wl orl tk tdl pmlobgias jlekrl us- G hkihur gi

tdl fubaclit ke tdl hkurt)


phillip r. corvello v. wells fargo bank, na, dba america’s servicing company, dba wells fargo home...

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