Anderson et al v. Bank of America
Filing
5
MEMORANDUM OPINION. Signed by Judge Norman K. Moon on July 11, 2012. (sfc)
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K EVI SCOTT A NDERSON a
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SHANNON PAI ANDERSON,
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Appelant,
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M EM ORANDUM O PI ON
NI
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udge N or a K .M oon
m n
BANK OFA MERI
CA,
Appelee.
l
Thi m a t r i be or t Cour o a al of a fna de s on of t U nied St t
s te s f e he
t n ppe
i l ci i
he
t
a es
Ba upt y Cour f t W e t r D it i tof V igi a by whi h Appe l nt 'M oton f D ef ul
nkr c
t or he s e n s rc
r ni ,
c
la s
i or a t
J
udgm e w a de e Or ar enthas no be r que t d,a pur ua t t Ban up c
nt s ni d. al gum
t en e s e nd
s nt o he
kr t y
Brei Noi ( ke no.3) lwildecde t mat on t s si . Fort r a ons
ifng tce doc t
, l i he ter he ubmisons
he e s
e a ned bel ,1w ila fr t de i i oft ba upt y c t
xpl i
ow
l f im he c s on he nkr c our .
1.BACKGROUND
OnFe r ay 25 2 0 Ke i a S n o An e s n (l eAn e s ns' rç peln s'
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ie
unt r
pt 3 nkr pt y tton n he t d a es nkr c
t or he
W es e n D i ti t o Vi gi a. Thei ca e w as c ve t d t a Chapt r 7 ca e on J nua y 24, 2011.
t r s r c f r ni
r s
on r e o
e
s
a r
On or a
bout Fe ua y 1 2011 t Ande s tl a St t ment o I e i , i whi h t y
br r 4,
, he
r ons ied
ae
f nt nton n
c he
s r r d t r Gl dsone,Vigi a r i nc Att ttm e Ba ofAmerca (t le '
urende e hei a t
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ha i , nk
i t
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)
hel as c e de on t r sde i t a ountof$1 467.
d e ur d bt he e i nce n he m
39, 00
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On Apr l27,2011 pur ua t 11 U .S. j 5 t Ande s wer gr nt d adic ge
i
, s nt o
C. 24,he
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of al of t r di cha ge e de s i l ng t de ow e t Appe l e. A s l e a n i m or
1 hei s r abl bt , nc udi he bt
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le
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d ti b lw,ti d shag o rtd a a ij n to a an tc ran a t t r c v rd bsa
eal eo h s ic r e peae s n nu cin g is e ti cs o e o e e t s
pe s
ronallabiii oft Anderons Des t t r dic ge on or a
i ltes
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s .
pie hei s har ,
bout M a 1 2011 t
y ,
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An e s n rc ie a sae n fo BAC Ho Lo nsS r ii ,LP (h G
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W hi h w a s nton be l ofBa ofA m erc la whi h, a cor ng t t A nde s ,vi a e
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a e t e s ont nt e v s he ntr
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ant
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quot t BA C St t m en r t r c pl t y. Pa 1 of t BA C St t m e com pr s t ee
e he
a e t a he om e el
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tons t t m i e,a boto . The t por i pr vi :
he op, ddl nd t m
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FO R I FO R M A TI N PU R PO SE S
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l you do not wa us t s nd your m o hl sa e
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o nf nna i l pos
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ons r
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oblga i t BAC Home LoansSe vi ng,LP ma bedic r d by oper ton of
i ton o
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s ha ge
ai
l w ,BA C H o e Loa Se vi i LP has r t ned t abiiy t e or e is rght
a
m
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a i tt pr ry s trng t sl n s d t r beade a t
gans he ope t ecli hi oa houl he e
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l you ar pr e l i ve i a Cha e 1 pr e ng,pl as be ad s d t t
f
e es nty nvol d n
pt r 3 oce di
e e
vie ha
yo a e r uie t obey al or s oft Cour,i udi t e c imi or
u r eq r d o
1 der
he
t ncl ng hos onfr ng
modiyi t t nns of your r pa e pl You ma dir gar t pa nt
f ng he e
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i o m ai n/ upon bel t t e e i conti t wih a or rorr r nt
nf r to co
ow o he xtnt t l cs t ny de
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Thi i notasa e e oft a mtne es a y t pa of yo l n.
ss
t t m nt he mot
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Ande s ns Compl Ex. .Them i epori n, he pr de abaanc . Ada e t oaQ
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LOAN SUM M ARY' he ng i aEprncpa Ba a e a of04/ 2011'lse i t a o of
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' it d n he m unt
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mor ndum i Suppor of t i M oton f Def tJ
n
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bank upty c t BAC Ho eLoa Ser ci , LP s r c t de f Bn ofAme ia.
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2 The tI PORTANT NOTI 'pr so i s t of fom t pr di C
NO
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UNII STATES DI
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