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rgmggkgm thg prapgrty hnm thg sncg pradgmurgs lgg` prapgr# n`y orrgfucnrotogso` thg sncg mom `at rgsuct o` mnknfgs ta thg pcno`toees. (Dotntoa`s akottgm./

N` ndtoa` ta sgt nsomg n eargdcasurg sncg# u`nddakpn`ogm ly n` aeegr ta rgmggk# mags `atstntg n dnusg ae ndtoa` whodh n daurt ae gquoty rgdaf`ozgs.Inrcsg` v. Nkgrodn` Tnv. % Can`Nss`.# >7 Dnc.Npp.4m >>>6# ?< Dnc.\ptr. 87> (>?6>/. Y">4[ ]hg lnsod rucg os thnt n`aeegr ae pgrearkn`dg os ae `a geegdt oe thg pgrsa` knio`f ot os `at nlcg ta pgreark.Inrcsg`#>7 Dnc.Npp.4m nt>>8# ?< Dnc.\ptr. 87>(doto`fDnc. Dov. Damg# >=?7/. Tokpcy put# oe thgaeegrar ,os wothaut thg ka`gy `gdgssnry ta knig thg aeegr faam n`m i`aws ot, thg tg`mgr oswothaut cgfnc eardg ar geegdt.Inrcsg`# >7 Dnc.Npp.4m nt>>8# ?< Dnc.\ptr. 87>(doto`f sgvgrncdnsgs/. ,Ot waucm lg eutocg ta sgt nsomg n eargdcasurg sncg a` thg tgdh`odnc frau`m thnt `atodgwns okprapgr# oe thg pnrty knio`f thg dhnccg`fg mom `at eorst knig eucc tg`mgr n`m thgrglygstnlcosh hos nlocoty ta purdhnsg thg prapgrty.,W`otgm Ttntgs Dacm Ttarnfg v. Frgnt Vgstgr`

Tnvo`fs % Can` Nss`.# >57 Dnc.Npp.4m >=# >?8>/(,n Y">=[ kartfnfar o` passgssoa` kny `at kno`tno` n` ndtoa` ta quogt totcg# gvg` thaufh thgmglt os u`g`eardgnlcg,/9Nfuocnr v. Laddo# 4? Dnc.Npp.4m =67# =66# >>= Dnc.\ptr. ?> (>?6=/(trustar os u`nlcg ta quogt totcg ,wothaut mosdhnrfo`f hos mglt,/.

Kargavgr# ta altno` ,rgsdossoa` ar dn`dgccntoa`# thg rucg os thnt thg dakpcno`n`t os rgquorgm tama gquoty# ns n da`motoa` ta hos altno`o`f rgcoge# ly rgstaro`f ta thg mgeg`mn`t gvgrytho`f aevncug whodh thg pcno`toee hns rgdgovgm o` thg trn`sndtoa`. . . . ]hg rucg nppcogs ncthaufh thgpcno`toee wns o`mudgm ta g`tgr o`ta thg da`trndt ly thg ernumucg`t rgprgsg`tntoa`s ae thgmgeg`mn`t.,Ecgko`f v. Infn`# >8? Dnc.Npp.# 6?5# >> Dnc.\ptr. 646 (>?5>/. ,N vncomn`m vonlcg tg`mgr ae pnykg`t ae thg o`mgltgm`gss awo`f os gssg`tonc ta n` ndtoa` ta dn`dgc nvaomnlcg sncg u`mgr n mggm ae trust.,Inrcsg`# >7 Dnc.Npp.4m nt >>6# ?< Dnc.\ptr. 87>.N`ncyzo`f ,trust mggm `a`bumodonc eargdcasurg sncgs ossugs o` thg da`tgxt ae dakka` cnwda`trndt pro`dopcgs, os ,u`hgcpeuc, fovg` ,thg dakprghg`sovg stntutary sdhgkg rgfucnto`f`a`bumodonc eargdcasurg sncgs.,\gsomg`tonc Dnpotnc v. Dnc+Vgstgr` \gda`vgyn`dg Darp.# >:8Dnc.Npp.=th 8:6# 84= Dnc.\ptr.5< (

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

8/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

sueegr thg da`sgqug`dg thnt thg tg`mgr os ae `a geegdt.,Fnee`gy# >57#7# 8 (=th Dor. 7 W.T.D. >547(l/favgr`s thg rgtur` ae ka`gy ar prapgrty whg` n larrawgr hns rgsdo`mgmgeegdtovgcy2

. . . Votho` 6[ thg tgrko`ntoa` ae thg sgduroty o`tgrgst.

(4/ Oe thg drgmotar hns mgcovgrgm n`y ka`gy ar prapgrty# thg da`sukgr knyrgtno` passgssoa` u`toc thg drgmotar hns kgt ots alcofntoa` u`mgr pnrnfrnph(m/(

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

9/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

passgssoa` ae thg ka`gy ar prapgrty wotho` < D.E.\.

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

10/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

Tudh n mgdosoa` cogs wotho` thg daurt&s gquotnlcg mosdrgtoa`# tnio`f o`tada`somgrntoa` ncc thg dordukstn`dgs o`dcumo`f thg `nturg ae thg voacntoa`s n`mthg larrawgr&s Y"

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

11/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

8/ (,]a thg gxtg`t Zcno`toee dhnccg`fgs thg

sgdurotozntoa` Y"?# 4st Dor. LNZ >/(whgrg mgltars nsigm daurt ta mgdcnrg kartfnfgnssof`kg`t o`vncom lnsgm upa` lrgndh ae ZTN# n da`trndt ta whodh mgltars wgrg `gothgr npnrty `ar thorm+pnrty lg`geodonrogs# thg daurt eau`m thnt mgltars cndigm stn`mo`f ta albgdt tan`y lrgndhgs ae thg ZTN/.

Mgeg`mn`ts nrg darrgdt thnt Kr. Knmcno`f cndis stn`mo`f ta nssgrt ZTN+lnsgm dcnoks n`m thgdakpcno`t&s dcnoks enoc ta thg gxtg`t lnsgm a` wra`fs o` da``gdtoa` woth thg ZTN n`mo`dcumo`f sudh dcnoks nccgfgm u`mgr thg dakpcno`t&s eorst n`m sgda`m dcnoks. Dcnoks thnt thg

mgenuct `atodg ,os encsg, lnsgm a` wra`fs o` da``gdtoa` woth thg ZTN nrg u`nvnoco`f. ]hosDaurt da`strugs Kr. Knmcno`f&s enocurg ta suppart ZTN+lnsgm dcnoks ns hos da`dgssoa` thnthg cndis stn`mo`f ta pursug sudh dcnoks.

\alasof`o`f

Mgeg`mn`ts eurthgr dhnccg`fg ns vnfug n`m da`dcusary nccgfntoa`s thnt sgvgrnc rgdarmgmmadukg`ts wgrg ralasof`gm. Tgg Dgrgdgmgs v. W.T. Ln`idarp# > VC >555?48# nt "=(D.M. Dnc. >/ Y" VC 44

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

12/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

]hg dakpcno`t&s (eorst/ lrgndh ae gxprgss nfrggkg`ts dcnok nddusgs mgeg`mn`ts ae lrgndho`fthg MA].

Gcgkg`ts

,]hg stn`mnrm gcgkg`ts ae n dcnok ear lrgndh ae da`trndt nrg2 &(>/ thg da`trndt# (5= Dnc.Npp.=th>>6># >>68# 8: Dnc.\ptr.4m 5 (:= Dnc.Npp.=th >

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

13/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

cg`mgr kny `a`+bumodonccy eargdcasg. TggKdMa`ncm v. Tkaig Drggi Covg Ttadi Da.#

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

14/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

]hg Lg`geodonry ar ots mgsof`ntgm nfg`t mgdcnrgs thnt ot hns da`tndtgm thglarrawgr# trogm woth mug mocofg`dg ta da`tndt thg larrawgr ns rgquorgm lyDncoear`on Dovoc Damg

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

15/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

Dncoear`on nmaptgm thg ,cog`, thgary ae kartfnfgs n`m thg ,totcg, thgary o` rgegrg`dg ta mggmsae trust.Ln`i ae Otncy @nt. ]rust % Tnv. Nss&` v. Lg`tcgy# 6 Dnc. 5==# 577#

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

16/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

lg`geodonc o`tgrgst o` Kr. Knmcno`f&s can` hnm lgg` trn`segrrgm ta Vgccs Enrfa proar tagxgdutoa` ae thg trustgg sulstotutoa` o` thnt thg trustgg sulstotutoa` wns gxgdutgm a` VgccsEnrfa&s lghnce. O` athgr warms# whg` Vgccs Enrfa gxgdutgm thg trustgg sulstotutoa`# ot hgcmthg lg`geodonc o`tgrgst o` Kr. Knmcno`f&s can`. Mgcny ta rgdarm thg trustgg sulstotutoa` mags`at gstnlcosh thnt Vgccs Enrfa mom `at hacm thg can`&s lg`geodonc o`tgrgst whg` thg trustgg wnssulstotutgm. W`mgrDncoear`on Dovoc Damg sgdtoa`

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

17/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

,Tcn`mgr ae totcg addurs whg` thgrg os n` u`provocgfgm pulcodntoa` ae n encsg stntgkg`t whodhmospnrnfgs totcg ta prapgrty n`m dnusgs pgdu`onry cass.,

...

YKgssnfg dcoppgm[ Uogw g`torg kgssnfg

MAWFCNT N@M BWCOG NCTAL\AAI# Zcno`toees# vs. NKG\ODN@ HAKG KA\]FNFGgt nc.# Mgeg`mn`ts.

DNTG @A. >+FZD+VKD

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DAW@TGC2 Y">[ Maufcns Ncsalraai# Zcno`toee# Zra sg# Cn Kgsn# DN.

Bucog Ncsalraai# Zcno`toee# Zra sg# Tn` Mogfa# DN.

Ear Tnxa` Kartfnfg# Mgeg`mn`t2 Lrnmearm G. Icgo`# CGNM N]]A\@G_# Vrofht# Eo`cny %Rni# CCZ# @gwpart Lgndh# DN.

Ear Adwg` Can` Tgrvodo`f# Kartfnfg Gcgdtra`od \gfostrntoa` Tystgks# O`d.# (KG\T/#Mgeg`mn`ts2 \ndhgc Tuzn``g Apntoi# CGNM N]]A\@G_# Hausgr % Nccosa`# NZD#Dnrcslnm# DN.

BWMFGT2 HA@. FA@RNCA Z. DW\OGC# W`otgm Ttntgs Mostrodt Bumfg.

https://mail.google.com/mail/?ui=2&ik=8435d43831&view=lg&msg=13f07868e268e7bdhttps://mail.google.com/mail/?ui=2&ik=8435d43831&view=lg&msg=13f07868e268e7bdhttps://mail.google.com/mail/?ui=2&ik=8435d43831&view=lg&msg=13f07868e268e7bdhttp://www.scribd.com/MCInvestigatorshttp://www.mortgagecomplianceinvestigators.com/https://www.facebook.com/pages/Mortgage-Compliance-Investigators/302290663161168

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

18/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

AZO@OA@ L_2 FA@RNCA Z. DW\OGC

AZO@OA@A\MG\ F\N@]O@F MGEG@MN@]T& KA]OA@T ]A MOTKOTTYMI]. @A. +5. Tgg Mit. @a. #

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

19/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

ernum# sggio`f o`bu`dtoa` n`m mgdcnrntary rgcoge ta prgvg`t thg eargdcasurg ae thgor prapgrtyn`m sggio`f ta vaom thg Mggm ae ]rust n`m ta quogt totcg. (Mit. @a. >./ A` Eglrunry >

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

20/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

>?77# >56 C. Gm.

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

21/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

Mgeg`mn`ts nssgrt Zcno`toees cndi stn`mo`f ta dhnccg`fg sgdurotozntoa` ae thgor can`# n`mthgrgearg dn``at stntg n dcnok ear wra`feuc mosdcasurg. (Mit. @a. # +4?58+BEV BDX# > W.T. Most. CGXOT 85 VC 4>76:54 (D.M. Dnc. Bucy 4#

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

22/23

(888/ =?> 46=>o`eaJkartfnfgdakpcon`dgo`vgstofntars.dak

??=/. Dncoear`on nppgccntg daurts hnvg ,rgeusgm ta rgnm n`y nmmotoa`nc rgquorgkg`tso`ta thg `a`+bumodonc eargdcasurg stntutg.,Om. nt 84:. ]hg Dncoear`on Tupgroar daurt rgdg`tcyneeorkgm thos npprandh o` Fakgs v. Dau`trywomg Hakg Can`s# O`d.# stnto`f ,thg rgdaf`otoa`ae thg rofht ta lro`f n cnwsuot ta mgtgrko`g n `ako`gg&s nutharozntoa` ta pradggm wotheargdcasurg a` lghnce ae thg `atghacmgr waucm eu`mnkg`tnccy u`mgrko`g thg `a`bumodonc`nturg ae thg pradgss n`m o`tramudg thg passolocoty ae cnwsuots eocgm sacgcy ear thg purpasg aemgcnyo`f vncom eargdcasurgs.,Fakgs# >?< Dnc. Npp. =th >>=?# >>77# > Dnc. \ptr. 4m 8>?(>/# rgvogw mg`ogm (Kny >8# >/. ]a thg gxtg`t thnt Zcno`toees rgcy upa` thos thgary# thgwra`feuc eargdcasurg dcnok ncsa enocs.

D. Enocurg ta Dakpcy wothDncoear`on Dovoc Damg

7/23/2019 HOMEOWNER VICTORY IN CA VS CHASE

23/23

(888/ =?> 46=>

OU. DA@DCWTOA@

Ear thg eargfao`f rgnsa`s# Mgeg`mn`ts katoa` ta moskoss os F\N@]GM VO]HAW]Z\GBWMODG. Zcno`toees nrg frn`tgm CGNUG ]A NKG@M thg dakpcno`t thorty (4:/ mnyserak thg mntg ae thos armgr ta nmmrgss mgeodog`dogs `atgm hgrgo`. Mgeg`mn`ts nrg frn`tgmtwg`ty (# 4.

O] OT TA A\MG\GM.

MN]GM2 Kny 4:# 4

!s! Fa`znca Z. Durogc

HA@. FA@RNCA Y">=[ Z. DW\OGC

W`otgm Ttntgs Mostrodt Bumfg

Tgnrdh ]grks Y((,adwg`,/ n`m Mntg(fgq(7!