Thompson, et al v JPMorgan Chase Bank, N.A.

Filing 12

Judge Rya W. Zobel: ORDER entered granting 8 Motion to Dismiss for Failure to State a Claim. Judgment may be entered dismissing the complaint with prejudice. (Urso, Lisa)

Case 1:18-cv-10131-RWZ Document 12 Filed 05/11/18 Page 1 of 2

UNITED STATES DISTRICT COURT
DISTRICT OF MASSACHUSETTS

CIVIL ACTION NO. 18-10131-RWZ

MARK R. THOMPSON and BETH A. THOMPSON
v.
J.P. MORGAN CHASE BANK, N.A.

ORDER
MAY 11, 2018

ZOBEL, S.D.J.
Plaintiffs seek to void the foreclosure sale of their Massachusetts home, alleging
that defendant failed strictly to comply with the notice requirements for default and
acceleration set forth in paragraphs 22 and 19 of the mortgage agreement. Specifically,
they claim that paragraph 19 required defendant to notify them that their postacceleration reinstatement rights would expire five days prior to foreclosure, and that
the notice merely informing plaintiffs that they could avoid foreclosure by making
payment “before a foreclosure sale takes place” was thus defective.
Defendant moves to dismiss. In support, it has produced a Default and
Acceleration Notice strictly complies with paragraph 22 and advises plaintiffs of their
post-acceleration reinstatement rights, together with plaintiff’s receipt thereof. Because
no more is required, the motion to dismiss (Docket # 8) is allowed. See Pinti v.
Emigrant Mortg. Co., Inc., 33 N.E.3d 1213, 1221, 1226 (Mass. 2015) (holding that strict
compliance with paragraph 22 notice of default language is condition of valid
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Case 1:18-cv-10131-RWZ Document 12 Filed 05/11/18 Page 2 of 2

foreclosure sale, and voiding foreclosure in which plaintiffs given notice of right to
defend, rather than to initiate, legal action; but without discussion of paragraph 19,
noting that valid foreclosure does not require a mortgagee to demonstrate “punctilious
performance of every single mortgage term,” and explicitly distinguishing between
notice requirements for foreclosure versus acceleration); see also U.S. Bank, N.A. v.
Schumacher, 5 N.E.3d 882, 890 (Mass. 2014) (statutory right to cure default before
acceleration not part of foreclosure process itself and thus does not require strict
compliance).
Judgment may be entered dismissing the complaint with prejudice.

May 11, 2018
DATE

__________/s/Rya W. Zobel

_

RYA W. ZOBEL
SENIOR UNITED STATES DISTRICT JUDGE

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