Beruflich Dokumente
Kultur Dokumente
Plaintiff,
v.
Defendants.
_____________________________/
Comes now the Defendant, James A. Motil, Jr., pursuant to this Court's order, to
AMEND his Answer to Plaintiff’s unverified “Complaint” as follows:
AS TO COUNT ONE:
1. Defendant denies Paragraph 1 of Count One. This is not an "equity" action. Plaintiff
seeks a money judgment and that fact indicates a "legal" action. See Pernell, 416 U.S. at 370, 94
S.Ct. at 1727 (" 'where an action is simply for the recovery ... of a money judgment, the action is
one at law' ") (quoting Whitehead v. Shattuck, 138 U.S. 146, 151, 11 S.Ct. 276, 277, 34 L.Ed.
873 (1891)); Dairy Queen, Inc. v. Wood, 369 U.S. 469, 476, 82 S.Ct. 894, 899, 8 L.Ed.2d 44
(1962) (Insofar as complaint requests a money judgment "it presents a claim which is
unquestionably legal").
2. Defendant denies Paragraph 2 of Count One. Paragraph 2 fails to identify the person to
whom the note and mortgage were allegedly "delivered." The alleged "Plaintiff's Assignor" is not
identified. Plaintiff fails to allege a "chain of title" sufficient enough to establish its ownership
interest in the note and mortgage. Thus, this Court has no subject matter jurisdiction of this case.
3. Defendant denies Paragraph 3 of Count One. Plaintiff alleges an “Assignment,” but no
copy is attached to the Complaint. Defendant received no notice, prior to this action, that the
alleged note and mortgage were “assigned” to Plaintiff.1
4. Defendant denies Paragraph 4 of Count One, except that he admits only that he is the
owner of the property commonly known as 113 South Delaney Avenue, Avon Park, Florida.
1
See F.S. § 559.715 (2009).
5. Defendant denies Paragraph 5 of Count One for lack of knowledge, and points out that
exhibits attached to the Complaint contradict the allegations of Paragraph 5. Plaintiff fails to
show an unbroken chain of title to support its claims of interest in the alleged note and mortgage.
6. Defendant denies Paragraph 6 of Count One. The alleged date of “October 6, 2008” is
not the “maturity date” stated in the exhibits attached to the Complaint. The "loan" was NOT
"due" on October 6, 2008.
7. Defendant denies Paragraph 7 of Count One. Defendant owes nothing to Plaintiff.
8. Defendant denies Paragraph 8 of Count One. Plaintiff failed to give notice of
acceleration to Defendant prior to filing its Complaint. Plaintiff’s exhibits only allow
“acceleration” in the case of a “transfer” of ownership rights by the mortgagor.
9. Defendant admits Paragraph 9 of Count One, except that he denies that he has “incurred
an obligation” to pay any fees to Plaintiff’s attorneys. This Paragraph alleges that the "Note and
Mortgage" have been delivered to "Plaintiff's attorney." Thus, the unidentified "attorney" appears
to be the "Note Holder" which contradicts the Complaint's allegation that Plaintiff holds the note.
10. Defendant denies Paragraph 10 of Count One. The Complaint is inconsistent and
contradictory as to what “security” Plaintiff has, if any. If Plaintiff is “required” to pay out
money, that is Plaintiff's obligation, not Defendant’s. Defendant pays property taxes on his
home. Who determines what costs are “necessary”? Paragraph 10 is vague: it does not,
explicitly, allege who will be “owing” Plaintiff.
11. As to Paragraph 11of Count One, Defendant admits only that Plaintiff is obligated to
pay all those costs which it incurred by its own decision. Defendant denies that said obligations
were “necessary” and he denies that he is obligated to reimburse Plaintiff.
12. Defendant denies Paragraph 12 of Count One. Plaintiff violated 15 U.S.C. § 1692g(b)
when it failed to cease collection of the debt after receiving Defendant’s “REQUEST FOR
VALIDATION OF DEBT” on April 16, 2009. Further, Defendant received no notice, prior to
this action, that the alleged note and mortgage were “assigned” to Plaintiff.2
13. Defendant admits Paragraph 13 of Count One, but denies that this “Notice” is either
valid or sufficient to comply with 15 U.S.C. § 1692 et seq. Some of the things wrong with this
“Notice” include, but are not limited to: 1) neither the Defendant, nor any debtor are named on
it; 2) the first sentence says “you” have “30 days” to dispute the validity of the debt, but the
attorney filed Plaintiff’s lawsuit before the 30 days expired; 3) the “Notice” fails to mention that
2
See footnote 1, above.
2
Plaintiff mailed a dunning letter to Defendant dated March 18, 2009; 4) the “Notice” fails to
mention that Plaintiff received a “Request for Validation of Disputed Debt” from Defendant on
April 16, 2009. The Plaintiff and Plaintiff’s attorney have, both, violated 15 U.S.C. § 1692g(b).
14. Defendant denies Paragraph 14 of Count One for lack of knowledge.
WHEREFORE, Count One fails to state a cause of action. Defendant moves the Court
to dismiss Count One, for Defendant’s costs to defend this action, for findings of fact and
conclusions of law, and for such other and further relief as the Court deems appropriate.
AS TO COUNT TWO
15. Defendant denies Paragraph 1 of Count Two for lack of knowledge. Count Two does not
appear to be a valid or sufficient “action.”
16. Defendant denies Paragraph 2 of Count Two. Plaintiff does not identify to whom the
alleged note and mortgage were delivered, nor to whom payment was secured, nor the identity of
“Plaintiff’s Assignor.” Defendant did not deliver a "Mortgage/Security Agreement" to "Plaintiff's
Assignor" (CitiFinancial...?!?). There is NO Note or Mortgage "in favor of the Plaintiff"!!! These
are fraudulent statements made by the Plaintiff and its attorneys. The exhibits attached to the
Complaint contradict the allegations of the Complaint.
17. Defendant denies Paragraph 3 of Count Two for lack of knowledge. If the alleged Note
was "destroyed," it may have been destroyed by a Holder-of-the-Note.
18. Defendant denies Paragraph 4 of Count Two for lack of knowledge.
19. Defendant denies Paragraph 5 of Count Two for vagueness. Plaintiff alleges that one of
three (3) persons was "in possession of the Note and entitled to enforce the Note when loss of
possession occurred." Plaintiff, thereby, admits it does not know two necessary elements: 1) who
was in possession of the alleged Note at the time of loss; and 2) when it was lost. Plaintiff has
offered "no evidence as to who possessed the note when it was lost."3 Thus, the Complaint fails
to state a cause of action to re-establish a lost note and this Court has no jurisdiction to hear
Count Two.
20. Defendant denies Paragraph 6 for lack of knowledge and the Complaint’s exhibits show
it was possible that the “loss of possession” could have been the result of a “transfer.”
21. Defendant denies Paragraph 7 for lack of knowledge.
3
State Street Bank v. Hartley Lord, 851 So. 2d 790, 28 Fla. L. Weekly D 1694, 2003, 4th DCA
3
22. Defendant denies Paragraph 8. Plaintiff fails to allege that the "lost or destroyed" Note is
a “negotiable instrument.” The alleged Note does not appear to be a promise to pay a "fixed
amount of money."4 Said Note refers to a "Mortgage" dated "the same date as this Note."5 Said
Mortgage purports to make the mortgagor pay "Funds" into an escrow account for the payment
of "taxes and assessments and other items."6 This means the amount of money is NOT "fixed."
Said Note fails, further, to meet the requirements of a negotiable instrument in that it refers to
said Mortgage (another "undertaking or instruction") which requires the mortgagor to do certain
acts (such as "occupy" the property7) "in addition to the payment of money." Further, the alleged
Mortgage is a legal nullity.
WHEREFORE, Count Two fails to state a cause of action. Defendant moves the Court
to dismiss Count Two, for Defendant’s costs to defend this action, for findings of fact and
conclusions of law, and for such other and further relief as the Court deems appropriate.
AFFIRMATIVE DEFENSES
23. Defense 1 (a) - No capacity-to-sue is alleged in the Complaint. The Florida Department
of State, Division of Corporations' web site lists two (2) foreign profit corporations named
"Citimortgage, Inc." Each corporation has a different FEI/EIN Number: one is "active" and the
other is "inactive." Which one is the Plaintiff? Or, perhaps the Plaintiff is not registered with the
State of Florida. Florida Rules of Civil Procedure, Rule 1.120 (a) says, in pertinent part:
It is ... necessary to aver the capacity of a party to sue or be sued, ... to the extent
required to show the jurisdiction of the court....
24. Defense 1 (b) - Florida Rules of Civil Procedure, Rule 1.110 (b) requires that a
complaint include a “short and plain statement of the grounds upon which the court’s jurisdiction
depends....” By failing to plead in what capacity the Plaintiff brings suit and by failing to define
or identify in any way the nature of its legal entity, the Plaintiff has not plead that it has the
capacity to maintain suit before this Court. Thus, the Court has no subject matter jurisdiction to
hear Plaintiff's case.
4
See F.S. 673.1041 (1)
5
Complaint's Exhibit A, page 2, paragraph number 10.
6
Complaint's Exhibit B, page 3, paragraph number 3.
7
A person can "maintain" and "protect" his property (the collateral) without occupying it.
4
25. Defense 2 - The Exhibits of the Complaint show that the alleged Note and the alleged
Mortgage were separated on the very date they were executed. The "Lender" on the alleged Note
is "Household Finance Corporation III" (hereafter "HFC III").8 The alleged Mortgage explicitly
states that someone, other than HFC III, is the "mortgagee": "MERS is the mortgagee under
this Security Instrument."9 This bifurcation of the alleged documents renders the alleged Note
unsecured. As a matter of law, the alleged Mortgage is a nullity, and the Court can not legally
order a foreclosure on Defendant's property based upon the alleged Mortgage.10
26. Defense 3 - Plaintiff has not shown that it (or anyone else in the chain-of-title) has paid
for and obtained the necessary certificate from the Florida Department of State pertaining to the
sale of notes, bonds and mortgages. A violation of the Florida Statute regarding said certificate is
a felony. See F.S. §§ 609.02 and 609.06 (2009).
27. Defense 4 - The alleged "Original Note" filed in this case appears to be a high-
resolution, computer-generated, color copy. Defendant has examined said Note and it appears to
be a counterfeit copy. A copy of a promissory note is just as worthless as a copy of a dollar bill.
See F.S. §§ 90.952 and 90.953. According to "Comments of the Florida Bankers Association"11
filed with the Supreme Court of Florida, it is common practice to destroy notes after they have
been scanned and their images have been stored, electronically, in a computer's memory banks.
28. Defense 5 - Violation of Federal Law. The alleged "Original Note" and "Original
Mortgage" filed in this case appear to be a counterfeit securities which, if so, violate United
States Code Title 18 USC §§ 472 - 474.
29. Defense 6 - By filing this Complaint with its alleged Note and Mortgage, the Plaintiff
and its attorneys have committed a fraud upon the court. The Plaintiff and its attorneys knew,
should have known, or recklessly did not know, that Plaintiff is NOT, legally, entitled to enforce
the alleged Note and Mortgage.
///
///
8
Emphasis added. See the Complaint's Exhibit A, on page 1 at Paragraph Number 1.
9
See the Complaint's Exhibit B, on page 1 at Paragraph (C).
10
See 83 US 271, Carpenter v. Longan.
11
Case No. 09-1460, In Re: Amendments to Rules of Civil Procedure and Forms..., pp. 3-4.
5
30. Defense 7- The Plaintiff has not shown that it is the real party in interest, nor has it
shown that it represents a real party in interest. Thus, the court has no jurisdiction to hear the
Complaint. See Florida Rules of Civil Procedure, Rule 1.210 (a).
32. Defense 9 - Although the alleged "Assignment of Mortgage" is not attached to the
Complaint, an un-authenticated copy is on file with the Highlands County Clerk of Courts. The
gist of said Assignment is that "MERS" (the alleged assignor), for "Valuable Consideration,"
assigned a certain "mortgage, together with certain note(s)" to "CITIMORTGAGE, INC." (the
alleged assignee) on "July 15, 2009." From a review of the Complaint's exhibits and the face of
the Assignment, it appears the Assignment is bogus for several reasons, including, but not
limited to: 1) it has no corporate seal; 2) the "Vice President" signing the Assignment is an
employee or officer of "Orion Financial Group, Inc.," not MERS; 3) there is no allegation that
MERS ever owned or possessed the alleged Note; 4) there is no allegation that MERS was
authorized by HFC III to make the Assignment; 5) the Assignment fails to mention Decision
One or CitiFinancial; 6) the recorded Assignment bears contrary witness to the allegations of the
Complaint in that neither Decision One nor CitiFinancial ever possessed the alleged Mortgage.
(If either of them had possessed the Mortgage, then MERS could not have had it to assign to
anyone.); and the address listed as "G4318 Miller Road, Flint, MI 48507" is MERS' address, not
HFC III's. This appears to be a major fraud upon the Court.
33. Defense 10 - The alleged Note has been paid in full and then some. Every time a
promissory note changes hands, there must be "valuable consideration" or there is no legal
transfer. Although the alleged Note is not a "negotiable instrument," it appears to have been
treated like one. Evidently, the alleged Note was sold to Decision One (without the alleged
Mortgage) on the day it was created without disclosing this fact to Defendant, and without
recording the transfer with the Highlands County Clerk of Courts. Further, it was sold (at an
unknown date) to CitiFinancial (without the alleged Mortgage), again, without notice to either
Defendant or the Clerk of Courts. Then, it was sold to Plaintiff (allegedly on July 21, 2008)12,
again, without notice to either Defendant or the Clerk of Courts until over a year later on August
12
See Answer No. 11 to Defendant's First Set of Interrogatories.
6
5, 2009 when the purported "Assignment of Mortgage" was filed--AFTER Plaintiff filed its
Complaint. If, as Defendant believes, the alleged Note and/or Mortgage were "securitized," then
the alleged Note was broken, because Defendant's payments were applied to paying on a new
security and not to paying off the alleged Note.
34. Defense 11 - The alleged Mortgage is a legal nullity and it is unenforceable under
applicable federal laws and regulations. Among other things, Plaintiff failed to provide
necessary notices and disclosures to Defendant as required by the Truth in Lending Act, 15
U.S.C. §1601 et seq. (“TILA”), as amended by the Home Ownership & Equity Protection Act of
1994, 15 U.S.C. §§1602 and 1639 (“HOEPA”), and Federal Reserve Board Regulation Z, 12
C.F.R. part 226.
35. Defense 12 - The Plaintiff appears to be merely a "servicing agent" for the real party in
interest, but fails to disclose this fact in its Complaint. (See Exhibit A attached hereto, paragraph
one, last sentence.) On the bottom lines of both pages of said Exhibit A, it gives written notice
that: "CitiMortgage is a debt collector...." Only persons who are attempting to collect a debt for
someone else are considered to be debt collectors. The real-party-in-interest would be a
"creditor" and would not be required to give such a written notice pursuant to federal law, Fair
Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”).
________________________________
7
IN THE CIRCUIT COURT OF THE TENTH JUDICIAL CIRCUIT,
IN AND FOR HIGHLANDS COUNTY, FLORIDA
Plaintiff,
vs.
Defendants.
_______________________________/
Cross-Claimant,
vs.
CITIMORTGAGE, INC.;
DECISION ONE MORTGAGE COMPANY, LLC;
LAW OFFICES OF DANIEL C. CONSUEGRA, LLC;
DANIEL C. CONSUEGRA, FL BAR # 371300;
KLARIKA J. CAPLANO, FL BAR # 43496; and
JOHN DOES 1 – 10,
Cross-Defendants.
_______________________________/
Comes now Defendant, James A. Motil, Jr., pursuant to this Court's order and alleges:
37. This action arises out of Cross-Defendants’ violations of the Fair Debt Collection
Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”) and the invasions of Defendant’s personal
38. Venue is proper in Highlands County because the acts and transactions occurred here,
8
PARTIES
39. Defendant is a natural person who resides in the City of Avon Park, Highlands County,
registered with the Florida Division of Corporations whose principal address is 1000 Technology
Drive, O’Fallon, MO 63368, and is a “debt collector” as that term is defined by 15 U.S.C. §
1692a(6).
foreign limited liability company that stopped transacting business in Florida on March 11, 2009,
but may have acquired an interest in the subject property prior to that time and may still have an
Florida limited liability company attempting to collect a debt for Plaintiff and is a “debt
natural person who is a Florida attorney attempting to collect a debt for Plaintiff and is a “debt
person who is a Florida attorney attempting to collect a debt for Plaintiff and is a “debt collector”
45. Cross-Defendants (Law Offices, Consuegra and Caplano) will be collectively referred
13
See the Complaint's Exhibit X.
14
See footnote 13, above.
15
See the the signature page of the Complaint.
9
46. Cross-Defendants, John Does 1 – 10, are unknown to Defendant at this time, but their
roles in this matter and their identities may be discovered through discovery, or otherwise, after
FACTUAL ALLEGATIONS
47. On or around 6 September 2006, Defendant incurred a financial obligation that was
primarily for personal, family or household purposes and is therefore a “debt” as that term is
defined by 15 U.S.C. § 1692a(5), namely, a promissory note (that is, probably, not a “negotiable
said Note is subject to an alleged Mortgage of the same date and said Mortgage purports to
obligate the mortgagor to pay "Funds" into an escrow account for the payment of "taxes and
48. The "Lender," HFC III, on the alleged Note, led Defendant to believe that HFC III was
loaning him money from HFC III's account. It now appears that HFC III and Defendant merely
49. On or around September 6, 2006, the alleged Note was purportedly consigned, placed
(hereafter, "MERS") became the "mortgagee" of the alleged Note pursuant to the terms of the
alleged Mortgage. It appears from public records, that MERS remained the mortgagee-of-record
51. The alleged debt was consigned, placed or otherwise transferred an unknown number of
times until it was allegedly, consigned, placed or otherwise transferred to CitiMortgage for
16
Complaint's Exhibit B, page 3, paragraph number 3.
10
52. On or around March 18, 2009, CitiMortgage mailed a dunning letter (copy attached
hereto as “Exhibit A”) to Defendant in an attempt to collect this debt from Defendant, which
1692a(2).
53. On or about April 12, 2009, Defendant mailed a “Request for Validation of Disputed
Debt” to CitiMortgage regarding this debt (copy attached hereto as “Exhibit B”), which was a
54. On or about 16 April 2009, CitiMortgage received Defendant’s “Request for Validation
55. Defendant did not receive any communication from CitiMortgage in response to his
“Request .....” Plaintiff should have ceased collection of the debt until it had obtained validation
of the debt and mailed it to Defendant pursuant to 15 U.S.C. § 1692g(b). To date, Plaintiff has
56. On or about 6 May 2009, Plaintiff’s attorney filed the instant Complaint, prior to
Plaintiff providing any “validation” or “verification” of the alleged debt. This was a violation of
15 U.S.C. § 1692g(b).17
57. The conduct of Plaintiff and Plaintiff’s attorneys in harassing Defendant in an effort to
collect this un-validated debt is a violation of multiple provisions of the FDCPA as stated above.
58. Defendant has suffered actual damages as a result of these illegal collection
communications from harm to his credit, his ability to sell or encumber his Property, costs of
defending this action, and damages in the form of humiliation, anger, anxiety, emotional distress,
fear, frustration, embarrassment, amongst other negative emotions, as well as suffering from
11
CAUSES OF ACTION
COUNT ONE:
VIOLATIONS OF FAIR DEBT COLLECTION PRACTICES ACT
60. The foregoing acts and omissions of Cross-Defendants (CitiMortgage, Law Offices,
Consuegra and Caplano) constitute multiple violations of the FDCPA including, but not limited
to each and every one of the above-cited provisions of FDCPA, 15 U.S.C. § 1692 et seq.
61. As a result of each and every one of these violations of the FDCPA, Defendant is
COUNT TWO:
QUIET TITLE (SLANDER OF TITLE)
63. Defendant is the owner of record of his home,18 the real estate property described as:
THE SOUTH 25 FEET OF THE NORTH 198.7 FEET OF LOTS 1, 2, 19, AND
20, BLOCK B, CRESCENT VIEW, ACCORDING TO THE MAP OR PLAT
THEREOF AS RECORDED IN PLAT BOOK 2, PAGE 54, PUBLIC
RECORDS OF HIGHLANDS COUNTY, FLORIDA, and
12
64. Cross-Defendants (CitiMortgage, Law Offices, Consuegra and Caplano) intentionally
published false statements regarding Defendant and his Property, including but not limited to:
Plaintiff's Complaint and Plaintiff's Lis Pendens filed in this case. The purpose of these false
statements was to FORECLOSE "a mortgage held by Plaintiff against" the Property (hereafter,
65. Cross-Defendants (CitiMortgage, Law Offices, Consuegra and Caplano) knew, should
have known, or recklessly did not know that the Mortgage is a legal nullity and that Plaintiff,
therefore, did not have the legal right to foreclose on the Property.
66. Cross-Defendants (CitiMortgage, Law Offices, Consuegra and Caplano) published and
67. Cross-Defendants (CitiMortgage, Law Offices, Consuegra and Caplano) knew, should
have known, or recklessly did not know that the publication and communications of these
falsehoods would likely result in inducing others not to deal with Defendant. Defendant can not
sell his home (or use his home as collateral for a loan) as a direct result of Cross-Defendants'
actions.
68. The actions of Cross-Defendants (CitiMortgage, Law Offices, Consuegra and Caplano)
have played a material and substantial part in inducing others not to deal with Defendant.
69. Cross-Defendants (CitiMortgage, Law Offices, Consuegra and Caplano) had a duty not
70. Defendant has suffered (and continues to suffer) actual, general and special damages
WHEREFORE, Defendant prays that judgment be entered for him and against each and
13
COUNT ONE
• for an award of actual damages pursuant to 15 U.S.C. § 1692k(a)(1) for the Defendant,
• for an award of statutory damages of $1,000 per Cross-Defendant for the Defendant,
• for an award of costs of litigation and reasonable attorney’s fees pursuant to 15 U.S.C. §
• for such other and further relief as may be just and proper.
COUNT TWO
• for judgment striking the Lis Pendens and the Assignment of Mortgage filed in this case;
• for such other and further relief as may be just and proper.
________________________________
14
CERTIFICATE OF SERVICE
I, James A. Motil, Jr., certify that a copy of the foregoing document was (√ one only):
[ ] mailed [ ] faxed and mailed [ ] hand-delivered to the person(s) listed below on the
________ day of June 2010.
STEVEN ELLISON
BROAD AND CASSEL
1 NORTH CLEMATIS ST STE 500 Telephone: (561) 832-3300
WEST PALM BEACH FL 33401-5552 FAX: (561) 655-1109
___________________________________
15