Matos et al v. The Bank of New York et al

Filing 15

ORDER granting 7 Motion to Dismiss. Closing Case. Motions Terminated: 7 Defendant's MOTION to Dismiss the State Court Complaint contained within the Notice of Removal 1 Notice of Removal (State Court Complaint), filed b y The Bank of New York. Signed by Judge Federico A. Moreno on 7/24/2014. (bnt) NOTICE: If there are sealed documents in this case, they may be unsealed after 1 year or as directed by Court Order, unless they have been designated to be permanently sealed. See Local Rule 5.4 and Administrative Order 2014-69.

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es
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rl 3 201 , fn n ie
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o lit t rj dc , c h u t r sn l d r se .
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e 2 b ( ) f h e e a Ruls f v l r c d r r v d s h t o lit y e
dimisdf fiur t saeacam uponwhi rle ma begrnt Fed. Ci P.1 b)6)
s se or al e o tt li
ch eif y
a ed. R. v. 2( ( .
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u v ve
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te , c ptd

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t le d. d.

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11
1.

Le A nal i
gal
ys s
A.

The St ue ofLi i a i D oesN o Bar A c i
at
m t t ons
t
ton

The a i a e s a ut oflm ia i i t s m or g f e os e a i n i fve ye r ,
pplc bl t t e i t tons n hi
t age or cl ur cto s i
as

purua t Fl i Stt esjj95.12)c , 28l()b) Tha saut oflmiai doesnot
s nto orda aut
1 ( () 95. 1( . t tt e i ttons
be n t nz untlt ls pa e oft morg i due, e st m orga c ai an
gi o n i he a t ym nt he
tage s
unls he
t ge ont ns

a ee ai ca e. oc v St eFar FiedrCas t Co. 5 So. 1 1 ( a 1t
cc lrton lus f ke . at m r
ual
y , 09 2d 375, 377 F1. s
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98 ;
r
ggi ,
2d
Fl s
977)
r he t ge
c r c c ai a a ce er ton c a e, he s a ut oflm iatonsm a c m e e r ng e r i r
onta t ont ns n c l a i l us t t t e i t i
y om nc unni a le

on pa m e snotye duei t hol e r s shi o he rghtt a e e a et t a de
y nt
t
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a e
f ul. e ne . sy,
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999) Put
a he w a t en ie de doesnotbe om e due on m er def ul ofpa m e ;r t r i be om e
not r y, he tr bt
c
e a t
y nt a he , t c

duewhe t c e t tkesafi ma i a ton a a s st de ort ta elr ton opton ha
n he r dior a
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i
s

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n xecied.d; ed . nc n
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iai ma
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n he
t ge a s omecla a on i c tng i e t
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nd wi
ntal
ut

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A vol a y ore i unt r dimis lofalnderse rirf e os eaci n doesnot
untr
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e ' a le or cl ur to

i lda et not a m o t gea doesnotpr c udea s e ntf e os e a ton f
nva i t he e nd rga nd
el
ubs que or cl ur c i or
s e ntde a t ofpa nt . Rome o v Sunt s M orgage I . 201 W L 1
ubs que
f uls
yme s See
r . ru t t , nc , 4
623703

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S. Fl
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BankNatlAs oc v Barr 201 W L 1 1 ( a. hDCA
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4) The orda r me
t e ogni d he i
uni
t e he t ge i ton

a dt ec n iun o lg to so t ep risi t t eain hp'a v sng ç du c to d n ig
n h o tn ig b iain f h a t n ha r lto s i' d ii ,i j diain e yn
e
,
a
a e e a i a f ec os e ac i n..doe no ba a s e nta ton a yea l t ri t
cc l r ton nd or l ur to .. s t r ubs que c i
r a e f he

m orga i e he oblgai on t morga a ava i de a tca bepr n.' Si et
t gor gnor s r i tons he
t ge nd
ld f ul n
ove ' ngl on
v GrymarAs ocat s 882 So. 1 , 1 ( a 2004) l ra ngisde iin i Si eon,
. e
s i e,
2d 004 008 Fl.
. n e chi t cso n nglt

t Cour sae t tt hol ot r s woul i ' nyi tnc 'r ul i ' j te i ntor
he
t ttd ha o d hewie
dn'
ma nsa es'es t n ' us nrchme
un
o he i quia er s t . I ; e alo Kaan v Wel Far Bank N A.20l W L 5944074( D.
t r ne tbl e uls' d s e s
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.
ls go
, , 3
S.

Fl Nov.5,201 ( rFl i lw,vol aydimis lofmorga a sgne se le
a.
3) unde orda a
untr s sa
t ge si e' arir
f e l ur a ton di noti ldae t not a m orga , asw oul ba s e ntf e l ur
or c os e ci
d
nva i t he e nd
t ge
d r ubs que or c os e
a tonsf def ulson s e ntpa m e s r t rt not a m orga r ma ne avald and
c i or a t
ubs que
y nt ; a he he e nd
t ge e i d
i

e ore bl le a i tmorg rspr ry)
nf c a e in gans
tago ' ope t .
l t i t ntca e af e oslea ton wa dimi s d a t pa te wer r t nedt
n he nsa
s , or cl tr c i
s s s e nd he ri s e eur
o
t rorgi posto , do i t s mecon i ng oblg i n a c r c ua r a i hi .
hei i nal ii ns a ptng he a
tnui
i ato nd onta t l eltons p
Ac e e ai n be a ede lr t whe t c tdimis d t prorf ecos eca e Si e on,
c l r to c m
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n he our s s e he i or l ur s . ngl t

8 2 S 2 a 1 0 - 8( ird s sa o t etrtf rco u ea to wi p eu ied dn tb ra
8 o. d t 0 7 0 pro imisl f h is o e l s r cin t rj d c i o a
h
s e ntf e l ur aci ba e onas paaea s e
ubsque or cos e ton s d
e rt nd ubsquentdeful) I Ol aMorga ,
a t.n ympi
t ge
i t c e ofr sj c a,orexa e t FlrdaFourhDititCour ofAppe saedt t
n he ontxt e udiat f
mpl,he o i
t src
t
al tt ha
apro vol t rl dim is lofaf r c os e a ton mea tt tt m o t ge ha 'n e f t
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i
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t he t nd
t
t ha i ' d. mia l he e he
prora cee ai oft morga wa d elr t d s t saut oflmiai ha no e r d. l
i c lr ton he
t ge s ec e a e o he tt e i t tons s t xpie t
i t s e t tt borowe hasf l t makea pa nt i t l tfveye r . Ther f r ,
s mdiput d ha he r r
aied o
ny yme s n he as i
as
eo e
BONY i e il t s f t edef t a ac elr t t not a morga agan.
s ntted o ue or hos auls nd c e a e he e nd
t ge i

B.

The lns antLi Exi sR egardl s oft St ut ofLi iatons
t
en
st
es
he at e
m t i

BONY i e t ldt j g n a an t h Plitfsb c us isle c n iu st e s
s ni e o ud me t g is t e anif e a e t in o tn e o xit
t
untlbardbyt saut ofrpos c anedi Fl i Stt e j95. ( ) Thelmiains
i re
he tt e e e onti n orda auts
281 1 . i tto
pei pr dedi Fl i Stt e j95. 12)Q,t sdi r le onbyPli if,doesnot
rod ovi n orda auts
1 ( ( he e on eid
antfs
a f c t lf oft i t ntlenore i uiht deb . H ouc Cor v. e Ri er Lt , So.
fe t he ie he nsa i
xtng s he t
k p. N w v , d. 900

2 6 , 0 ( a 2 DCA 2 0 ) A Sttt o lmiain 'i ap o e u a sauet a p e e t
d 01 6 3 Fl. d
0 5 . é au e f i tto s's r c d r l tt t h t r v ns
s
t e or eme ofac us ofaci t tha ac r . I Conve s l a ç t t t ofr pos ' -lke
he nf c nt
a e
ton ha s c ued d
r ey, l a u e e e'- i
s

t tofj95. 1 1 - etbls sa uli edaewhe t le ormorga tnni tsandi no
ha
28 4 ) - sa ihe n tmat t
n he in
t ge e nae
s
l re or a ewhe he a cai hasac r d by t tda eornot
onge nf ce bl
t r lm
c ue
ha t
.

Panif' te t oalg t th s b e Fis M o ta ei tmeb re .nd n s
litfs atmp t le e ha te u j d rt rg g s i a rd l oig o,
t yc us adttt oflmiai 'wih at tt eofr e'unde j95. ( ) Toclrf ,
he onf e t aue i ttons' t s aut epos ' r
s
s
281 1. aiy
t lmiai pei pr de i j95. 12)c)doe no a f tt lf ofale rt r i
he i ttons rod ovi d n
1( (
s t fec he ie
in; ahe, t
pr c ude a a ton t colec t de a rfveye r .Se ton 95.28 ( )b) co rey,
e l s n c i o l t he bt he i
as ci
1 1( , nves l

e t bls sanuli t da ewhe t le oft morga t naesa i no l r
sa ihe
tma e t
n he in he
t ge enni t nd s onge

e o c a e.Seci 95. s sf t t tme whent lmiai pe i unde j95. 1i
nfr e bl
ton 051 et orh he i s
he i ttons rod
r
l s

tle , n e p e sye cu e j9 .81 Th s j9 . 12 ()o e ae a asau eo lmiai n
old a d x rs l x l d s 52 . u , 5 1 ( )c p r ts s ttt f i tto
whiesdi 95. 1 1( ope aesasasaut ofrpos 1
l e on 28 ( )b) r t
tt e e e.d.
Thi i ke a ' t t e oflm ia i ' i a s el t tm a be us a a afi m a i
s s y: d a ut
s
i t tons' s hi d ha y
ed s n f r tve

de e e' 'saut ofr pos ' i a s d t tmayt r nae ale . The saut ofr e i a
f ns , ft t e e e' s wor ha
a
e mi t in
t t e epos n
m o t ge f e os r a ton i t e y yea s i not r i de i r bl fom t f eoft not ,
r ga or cl u e c i s w nt
r , f e m s c phe a e r he ac
he e

orfveye r fom t da eofma urt oft oblgai n. Se Houc 900 So.2d 601 603.l
i
a s r he t
t iy he i to
e
k
,
n

Ho c ,h S c ndDititCo r o Ap e lc n ld dta 'at h tmeHo kflds tt
u k te e o
src u t f p a o cu e h t ' l t e i
g
uc ie ui he
,
fve ye r sa ut oflm ia i unde s c i 95.1 ( ( hade r buthet nt ye rsaut
i
a t t e i t tons
r e ton
12)C)
xpied, t we y a tt e

o rpos unde s ci 95. 1( hadno. 1 a 605. co tsae t tt hol ro t
f e e r e ton 281()b)
t' d. t The ur ttd ha he de f he
'
not ha ' e our e''o e or t le i t e nt'heborowe at mpt d t s l t
e d ' c s ' ' nf ce he in n he ve 't
r
t
r r te e o el he

pr ry.'d.TheCo tf
opet '1
ur oundi Houc t tSg urua t s ci 95. 12)c ,hesaut of
n
k ha,tpl s nt o e ton 1 ( () t tt e
lm ia i t tl t f r c os e a ton e r d on Ocobe 3 , 1 ,how e ,
i ttons o ie he o e l ur ci xpie
t r 0 996*
ver unde s ton
r ec i

9 . 1 1( )t emo ta el nwa e f re beuniNo mb r1 2 0 'He e j ta i
528 ( )b ,h rg g i
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