Giourgas et al v. Wells Fargo Bank, N.A. et al

Filing 33

FINAL ORDER OF DISMISSAL. Signed by Senior Judge James Lawrence King on 9/11/2015. (jw) 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.

U NI
TED STA TES D I
STRI T CO U RT
C
SO UTH ERN DISTRICT O F FLO RI A
D
M I M ID I
A
VISI N
O

CA SE N O.1 23569- V - N G
4C1 KI

GEORGE G I
OURGA S,J a J
R. nd ADE
GI RGA S,
OU
Pl ntf s
ai if s
VS.

M?
ELLS FARG O BA N K ,N . . W ELLS
A,
FARGO H OM E M ORTGA GE,I C. and
N ,
FEDERAL HOM E LOA N M ORTGA GE
CORPORATI ,
ON
D ef nda s.
e nt
/
FI
NAL O R DER O F DI I
SM SSAL

TH I M A TTER com esbe or t Cour upon D ef nt M oton t D im is
S
f e he
t
enda s' i o s s

Plitfs Ame e Co anta d t S rk Pli if 'J r Tra De nd (he
an if' nd d mpli n o tie antfs u y il ma t

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k ton' DE 9) fld c mb r 5, 01 1
M
)
BA CK G R O UND 2
I J of2002,G eor 1nd J de G i gasobt ne a m or gage l n and boughta
n une
ge : a
our
ai d
t
oa

sn ef miy ho ,l a e a 1
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uar
ge our
ad f
s es t ai if cam
delnque on t i hom e m orgage l
i
nt he r
t
oan. I M ar of201 W elsFa go Ba N . .
n
ch
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nk, A

lThe Cour hasa tonaly cons der Pl ntfs'Res
t
ddii l
i ed ai if
pons i Oppos ton t t M oton
en
ii o he
i

( 27 , swe la De e a t'Re y i S ppo to t M oto ( 32 .
DE ) a l s f nd n s pl n u r f he in DE )
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a t e ie r i r le d n he r t nd d
ant t ç
co anf'
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f nda s ton.

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û ls r o n ' le u t gans an if o o e l s is rga e in n h
W
)
t Pr ry.l M a of201 Geor G i gasha a he ta t ck.On Ja r 22,2013,
he ope t n y
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ge our
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ar ta
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na J gme
r cos r t t l udg n ' n he mou
Fi
)
25 98 2
wase e e i f vorofW elsFar Ba i t For cl ur A c i
nt r d n a
l
go nk n he e os e ton.

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r atr ls r o 3a nd ls r
me t ge I . t eh r
l el Fa go' no i dPli if oft ea a lbiiy ofal a mo sc to pr c d r
l ls r ' tse antfs h v ia lt
W
)
o n di a i n o e u e
t ough whi Pl ntf sm i be abl t bec e cur enton t rm orgage and avoi t
hr
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f ecl ur s l oft rhom e.( D e be 1 201 W elsFar advied Pl ntfs
or os e a e hei
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go
s
ai if

t ,alhough t y di notm ee t e i biiy crt r aunde t gover entsH om e
hat t
he d
t he lgi lt ie i
r he
nm '
A for bl M odii i Pr am ,t y coul be elgi e f a m odii aton of er by
f da e
fcaton ogr
he
d
i bl or
fc i
f ed

t Fe e a Ho Lo nM org g Co po ai (s e di M a ' , two dfrtha t
he d r l me a
t a e r r ton i d e c' bu ul is ve o
Fr
)
e tri o aTra Pe i d Pln ($ '.
n e nt
il ro a $
TPP'
)
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l
go
l
ai if
gr
nt
ai ng he er
he
whi h s a es i e ala'
c t t , nt r i .
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l r
t ge nt o
i
o
k t
o
f
your m or gage a hel m ake your pa ent m or af or e . . .Thi
t
nd p
ym s
e f dabl
s
m odii ton i desgned f bor ow e s lke you,w ho f s e r as di
fca i s i
or r r , i
or om e on d
notm ee al t elgi lt c iera f a pe m anent m odii aton unde t
t 1 he i biiy rt i or
r
fc i
r he

go r n ' Ho e Afo d bl M o fc to Pr gr m (
venme ts m
f r a e dii ai n o a HAM PI o we e
,r r
una e t s ces uly m a pa e s under a HA M P m odii ton or
bl o uc sf l
ke ym nt
fca i
a herm odii ton.
not
fca i

To ac pt t s of e pl as cal m e at t phone num be ls ed bel no
ce hi f r e e l
he
r it
ow
lt t 1 c e r da fom t da e lsed att t of t s l t or
a er han 4 al nda ys r
he t it
he op
hi eter
s nd i your tr t m onty ti perod paym e i t
e n
is
l r al i
nt ns ead of your nor al
m
m ont y m orgage pa ent
hl
t
ym .

You m us m a new m onty ç ral pe i pa ent ' i pl ce of your
t ke
l ûi
t
rod ym s' n a
nor al m ont y m orgage pa e . Send your m onty ti perod
m
hl
t
ym nt
l r al
i
pa e s- i t ad ofyournor a m ont y paym e s- a f l s:
ym nt
ns e
m l
hl
nt
s olow
1 tpa ent 2, 57 by Fe ua y 1,201
s ym : 079.
br r
4
2nd pa e :2, 57 by M ar 1 201
ym nt 079.
ch , 4

3r paym e :$2, 57 by Aprl1 201
d
nt 079.
i , 4

The ti lpaym e am ount s t f t above i ude prnci ,i er t a
ra
nt
s e orh
ncl
i pal nt es , nd
es r am ount A fer a1 ti pe i paym ent ar tm e y m ade, your
c ow
s. t
1 ral rod
s e i l
morga w ilbeper a nty m odii
t ge l
m ne l
fed.

A fe cali W elsFa go t ac
tr lng
l r o ceptt a
he bove olkrt e e i o a TPP,Pl ntf s
l o nt r nt
ai if

madeequalpa
yment of$2, 57 on t trtoft mont f t mont ofFe ua y,
s
079.
he ss he
h or he
hs
br r
M a ch,and Aprlof201 i kee ng wih t t m s oft TPP.U li at y,W e l Far
r
i
4, n pi
t he er
he
tm el
ls go

de ed Pl ntfs'r
ni
ai if eques f l m odii i dbecaus t e wer tte i s w ih t
t or oan
fcaton s
e her
e il s ues t he

( r pe t wh c pr ve l d 1rlsFa go fom pema n l mo f i g t e1 a ' W el
Pqo ry ih e nte ) el r r
r ne ty diy n h o n.3 ls
'
Fa go' poston wast tPl ntf s'r ques f m odii ton ha t be de ed bec e
r s ii
ha ai i f e
t or
fca i
d o
ni
aus
anot rlenhol rr us t s
he i
de ef ed o ubor nat isle t any am ounti exc s oft orgi
di e t i n o
n es
he i nal

prnci amountof$218, Pl ntfswer advied t rr ques f l modi ton
i pal
000. ai if
e
s hei e t or oan
sca i
wasde ed on J y 1 201
ni
ul 0, 4.
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t
4, a ntf s
he nsant cton
ns
l
go

a Fr ddi M ac i t Cicui Cour oft El ve h J ci Cicui i and f M i i
nd e e
n he r t
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or am -

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gr m nt
ch s t hed o he
ai
bi
s t t , n tnent

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r: iW e y e o e eve u r i ton g e l nt r m l t r e de s o ha
wec nmanti o rle po iin; ri y h veaj gme tplc do yo rpr pet yo
a i an u in sto o f ou a
ud n a e n u o ry u
m a ber quie t pa of t len.I you f lt pr dea s
y
e r d o y f he i f
ai o ovi
ubor naton a eem entf om
di i gr
r

a ohe ln rorf it pa of aj dg ntle a rq r d yourmodiiato ma be
n t r e de alo y f u me in s e uie ,
fc in y
de e e n i yo pa t t i lpe i pa e s'( mph sss pple ) Pl itfs
nid ve f u y he r a rod ym nt . e a i u i d . an if
'
f ied t quot t spori oft agr e i t Com pl nt
al o
e hi
ton he eem nt n he
ai .

Dade Count Fl i W elsFar and Fr eM ac r oved t ac i t t s Cour on
y, or da. l
go
eddi
em
he ton o hi
t
Se em be 27,201
pt
r
3.
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ai s r s s t n
s
olows:a i ton f t m por y
pplca i or e
ar

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e
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r ud e t se r s ntto Co t ) n glg n se e e t to Co nt 1;
vi a in oft eFl rd Co u rCole to Pr c ie Ac ( ntVlI; olto oft e
olto
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LEG AL STAN DAR D ON M O TI N TO D I I
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notentte t t spr um pton ofver t 1 a 681
il d o hi es
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DI
SCU SSION
The va i count ale i t Com pl nts k s r f m sofr i ;Pl i i f
rous
s l ged n he
ai ee eve al or
elef a ntf s

a kt sCo t oe j n t e f r c o u es l oft i ho pu s a t t Fi l u me t
s hi ur t n oi h o e l s r ae her me r u nt o he na J dg n
ent r i t For l ur A c i Pl ntfss dam ages f br ch ofcontact br h
e ed n he ec os e ton; ai if eek
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ent
m i r e ent i neglge m i r pr e a i vi aton oft Fl i Cons e
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i nt s e es nt ton, ol i
he orda
um r
Colecton Pr ctce A c ,vi aton oft Fl i Dece i and Unf i Tr Pr ctc
l i
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ptve
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l tt
te
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deni oft l n m odis ton afe Pl ntf sm ade s alpa ent undert TPP,or
al he oa
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t r ai if
ever
ym s
he

i t aler i t t Cour or rs ii per or a and die D ef ndant t
n he t natve, hat he
t de pec fc f m nce
r ct e
so
modiy Pl i i f 'l
f a ntf s oan; i t s e vei Pl ntf ss k a decl aton t tPl ntfshave
n he am
n, ai i f ee
ar i ha ai if

arghtt a l n m odi aton undert t m s oft TPP;and,fnaly,Pl ntf s s k
i o oa
Gc i
he er
he
i l ai if ee

dam agesf aleged t tousconduc ,i udi i e imali lc i ofe otonal
or l
ori
t ncl ng nt ntt
nfi ton
m i

d sr s f rs r ii Pl i if l a stn ama rt tc us de ina l gijd sr s ,'
ite s o e vcng antfs o n i
i
nne ha a e moto ly sc ite s'
t tous i er e e wih a contac ualr a i hi by W elsFa go f denyi
ori nt f r nce t
r t el tons p
l r or
ng

Pl i i f 'per anentl m odii i neglgence f vi a i a dut ofca e i t
a ntf s m
oan
f
rcaton, i
or ol tng
y
r n he
ha i ofPl ntf s'l m odii ton a i ton,and neglge hii s r s on,
ndlng
ai if oan
fca i pplca i
i nt rng, upe vii

tani ,o r tnto byFr d e M a f S e i nty o wa t nl o r c l s l hilng)
r i ng r e e i n
e di c or s glge l r n o y r e k e sy ri ,
n

tangng ,s r i g ,o r ti i j.. W elsFa go.
r i i j upe v si
ngq r e anlng . l r '
'
l t M oton,Def ndant a s tt t Com pl i sm pl s ks t overunat
n he
i
e
s s er hat he
a nt i y ee o
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Fi Judgm enti t For l ur Acton,a t ef e m ovest di m ist Compl nt
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ai

i ise tr t b s du lc ofs b e tmatrj rs c in u de t Ro e - lma
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do ti a t Ant-n u tot tr sj diat a fiur t saeacam u whih
crne nd he ilj ncirAc, e u c as nd al e o tt li pon c
r lefca be gr ed.
ei n
ant

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Fhe
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oughtby l i pari t s a e cour
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c sst taetne tia l itlwie ' t tesaec urj dg ntSe Ca al v
a e ha r i xrc by ne- n d'wih h tt o tu me . e s e .
i
t
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a t rz dbyAc ofCo r s ,a as ba st sCou tfom e j ni t pa te fo
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e o cn t r s t ofac mpl d sa ec r pr c e i Se 28 U. C.j2 ; e
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s
The Com pl ntunque tonabl s kst i i e and overur t Fi
ai
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J d n i teForco ur Aci , c t sCou ti wiho j idito t
u gme tn h e ls e ton whih hi r s t uturs cin o
a
ccom pls A1 oft cl m sr s i t i t ntc e ar eiheri xti abl i e t i
ih. l he ai ai ed n he ns a as e t ne rc y nt rw ned
wih t Fi J
t he nal udgm enti t For os e A cton orar com m on 1 c esofac i
n he ecl ur
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e
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oughti t wr f um .
n he ong or
CO N CLU SI N
O
Accor ngl i i O RD ER ED ,AD JUD G ED a DECREED t W ELLS
di y, t s
nd
hat
FA RG O BAN K,N . .and FEDER AL HOM E LOA N M ORTGA GE CORPORA TI '
A
ON S

M o i n t Dimis( 1 be a d t es mea e he e GRANTED, nd t Fis
to o s s DE 9) , n h a r , r by
a he rt
Ame e Co a n ( 1 )be a t s mei, r b DI M I
nd d mpli t DE 4 , nd he a s he e y S SSED W I
TH
PREJUD I
CE.A 1 pe ng m otonsar D EN I A S M O O T a t Cl r s l
1 ndi
i
e
ED
nd he e k hal
C LO SE t scas
hi
e.

D ON E a O RD ER ED i Cham be satt J esLa r
nd
n
r
he am
w enceK i Feder J tce
ng
al us i

Buidi and U nied St esD it itCourhous M i i Fl i t s 11 h day of
l ng
t
at
s rc
t e, am , orda hi t
Se em be ,2015.
pt
r

AM ES L
NCE K I
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Cc:A I Couns ofRecord
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