Bailey Seminar Transcript

8/3/2019 Bailey Seminar Transcript

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ORIGINALEXCERPTS OF:

FORECLOSURE SEMINAR

June 27, 2011

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Page 2(Thereupon, the requested por t ion of Excerpt

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JUDGE BAILEY: And Judge Sigle r i s going to5 help you on tha t road by addressing complaints and6 motions successfu l ly .7 JUDGE SIGLER: I f you ' l l give me j u s t a8 moment, I need to see i f I can make the PowerPoint9 presenta t ion work so you ' l l have something to s t a r e a t

10 while you ' re pretending to l i s t en .11 Good morning, s i r .12 Is there a quest ion?13141516

Hello . I see a hand. Hi.UNIDENTIFIED SPEAKER: Hi.JUDGE SIGLER: Hi.UNIDENTIFIED SPEAKER: Can you tu rn the

17 volume up j u s t a little bi t?18 JUDGE SIGLER: Can we tu rn the volume up j u s t19 a l i t t l e bi t? Can we turn the volume up j u s t a little2021

bi t?UNIDENTIFIED SPEAKER: It's a l l coming out of

22 tha t speaker .23 JUDGE SIGLER: Thank you. This gentleman24 ind ica tes tha t he would be glad to tu rn the volume up.25 But a f t e r you've l i s tened to me fo r a little

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Page 31 while , you may regre t tha t reques t .2 Well, good morning.3 As Judge Bailey mentioned, my name i s4 Victor ia Sig ler , and I 'm here to ta lk about complaints .5 We wil l not be taking any th i s morning. So6 i f you have complaints , please during the coffee breaks7 see Judge Bailey.8 Oh, she ' s l e f t . Nevermind.9 I 've been a judge s ince 1995, working in

10 County Court fo r a number of years , u n t i l 2000, when I11 became elevated - - j u s t f loa t r igh t up to the top - - to12 the Circui t Court bench by Governor Bush, worked a13 couple of years in cr iminal , and in 2008 I came to14 c iv i l j u s t in time fo r forec losures . Yeah.15 Complaints . All r igh t .16 Motions to subs t i tu te fo r Judge Sigle r .17 How many are in favor of tha t?18 All r igh t .19 Complaints .20 A complaint should al lege the fol lowing:21 Jur i sd ic t ion .22 Jur i sd ic t ion usual ly l i e s with the in ram.23 On the other hand, ju r i sd ic t ion can also l i e in - - it24 i s a foreclosure seeking to enforce a note where the25 note was signed.



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Page 41 But usual ly typical ly we ' l l see a2 ju r i sd ic t ion al lege , "The proper ty ' s in Miami-Dade3 County. We want to s e l l it to Miami-Dade County. We4 want to own ye t another house . We can ' t s e l l to5 anybody in Miami-Dade County."6 So ju r i sd ic t ions are usual ly a l leged where7 the property i s held, or some ju r i sd ic t iona l bas i s .8 I t shouldn ' t al lege the fac t of defaul t .9 Usually nonpayment of the mortgage.

10 What other fac ts can you th ink of tha t would11 t r igger a defaul t?12 Well, i f it's not a PIP, nonpayment of taxes ,13 or not paying insurance or a couple other small facts14 tha t could t r igger a defaul t - - i f they weren ' t par t of15 the pr inc ipa l , in te res t , taxes and insurance, a PITI16 payment.17 Accelerat ion.18 Some - - most notes have a clause in it for an19 accelera t ion . This should be al leged in the complaint .20 I 've seen maybe 10 percent of the notes tha t21 corne across my desk don ' t have an accelerct t ion clause .22 And i f yours doesn ' t have an accelera t ion23 clause, then tha t would be one of the few ones in which24 you would not need to al lege the acce le ra t ion .25 What else?



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Page 51 An accurate lega l desc r ip t ion of the2 proper ty .3 Show of hands.4 How many p la in t i f f ' s lawyers have had to f i l e5 a motion to cor rec t the l ega l desc r ip t ion of proper ty?6 You know who you are .7 A ll r ighty . How many judges have seen8 motions to cor rec t the accurate desc r ip t ion of a l ega l9 proper ty a f t e r it's been sold?

10 All r igh ty , then.11 I 'm j u s t wondering for proper ty lawyers of12 the fu ture , the generat ion now t ha t i s contemplat ing1314

going to law school and incurr ing a hundred thousanddo l l a rs worth of debt , what problems they are going to

15 have in the fu ture t ry ing to c l e a r up proper ty i ssues16 fo r accura te and inaccurate descr ip t ions of l ega l17 proper ty .18 Anyway, it would be he lp fu l i f the l ega l19 descr ip t ion of the proper ty was given cor rec t ly th e20 f i r s t t ime around.21 Jus t th ink - - l e t ' s see.22 And a good f ac to id to have in your complaint23 would be tha t the p la in t i f f i s the holder , owner, and24 ho l der of the note .25 So case law for tha t propos i t ion w i l l be th e

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Page 6Eddison case out of the Florida Supreme Court in 1930.

Complaint.Page 2.Now, these days we have a requirement for

ver i f i ca t ion of the factoids in the complaint .This i s appl icable to a l l complaints tha t are

f i l ed a f te r February 11th of 2010. It's - - th i s i ssupported by Rule 1.10(b) , and it's also referenced inFlor ida Rule of Civi l Procedure 2010.

One of the primary purposes of th i s amendmentwas to ensure tha t p la in t i f f s and counsels do the i r duedil igence and appropria te ly inves t iga te and ver i fyownership of the note before the complaint i s f i l ed .

I t was also to conserve jud ic ia l resourcestha t were being wasted on inappropria te ly p led of lossnote counts and inconsis ten t a l lega t ions , as well as toprevent the wasting of jud ic ia l resources and harm todefendants resul t ing from su i t s brought by p l a i n t i f f snot ent i t l ed to enforce a note .

I imagine I 'm not the only judge in t h i s roomwho has had the d i s t inc t disp leasure of having twolawsuits regarding one piece of proper ty .

I 've actua l ly had two di f fe ren t banks, twodi f fe ren t se t s of p l a i n t i f f s ' lawyers t rying toforeclosure on the same note in the same piece of



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Page 71 property.2 In our case, we resolved it with a dual by3 savers on the courthouse s teps , but in the fu ture the4 ver i f i ca t ion clause i s supposed to make p l a i n t i f f s5 ver i fy tha t they ac tua l ly have the note and tha t they6 are the ones who have the ab i l i t y to go forward and sue7 on the lawsui t .8 And, f ina l ly , the ver i f ica t ion clause gives9 t r i a l cour ts grea ter author i ty to sanct ion p l a i n t i f f s

10 who make fa l se a l l ega t ions . Yeah.11 Well, you got to have a little fun a t work on12 a da i ly bas i s .13 Now, complaints .14 Assignments.15 A complaint should a l lege the assignment, i f16 appl icable - - a couple cases , Johns out of the Supreme17 Court in 1938 and WM Specia l ty , o f t quoted by p la in t i f f18 lawyers fo r v i r tua l ly anything they want to quote it19 for .20 "Judge, we should - - oh, no, no, your Honor.21 Look a t WM Special ty . I 'm sure tha t covers i t . I t22 covers everything. After a l l , it i s four pages long."23 Anyway, i f you look in - - you could have24 got ten a gr ownup to teach th i s , Judge Bailey. You had25 your chance. I know, nobody e l se would do i t . So you

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Page 81 get what you get .2 Anyway.3 Complaints should al lege an assignment , i f4 appl icable , according to Johns and WM Specia l ty .5 Touch the but ton.6 Assignment.7 More on assignment In blue .8 I f the note and the mortgage was ass igned,9 the complaint should al lege the assignment.

10 Question?11 I th ink t ha t ' s what query means. Question.12 They both s t a r t with Q.13 Must the assignment be at tached to the14 complaint?15 Show of hands. How many say yes? Be bold .16 Be proud.

How many say no?718 Same people vot ing . All r igh t . You guys got19 your basis covered.20 Well, l e t ' s ta lk about tha t , because the21 i ssue of the assignment often comes up in motions to22 dismiss and answers.23 I 'm ce r ta in tha t wi l l be covered by one of my24 erud i t e and sober col leagues over here .25 Oh. Only erudi te . Nevermind. Okay.



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Page 91 I t ' s so ear ly in the morning fo r you guys.2 Anyway, we often hear, "Judge, the complaint3 should be dismissed because the assignment was not4 at tached. "5 Well, the attachment of the assignment i s not6 required s ince the cause of act ion i s based on the7 mortgage i t s e l f , not the assignment.8 And what case should we see fo r tha t9 proposit ion?

10 WM Special ty . Of course.11 But from a judge 's perspect ive , p la in t i f f12 counsel al leges and at taches the assignment in the13 f i r s t place, and then there are no motions to dismiss14 for fa i lu re to at tach the assignment.15 I 'm thinking t ha t ' s a win-win, from my po in t16 of view. I don ' t know about you.17 So from - - i f you have the assignment, it18 would be real ly swel l i f you at tach i t . I t el iminates19 the motions to dismiss tha t are f i led and usual ly held20 about seven and a ha l f months l a t e r on the f i r s t21 ea r l i e s t docket we can get you in .22 So tha t builds a blend In the case.23 Not to mention a l l the b i l l ab le hours for24 discovery disputes over, "Judge, we f i led a reques t fo r25 product ion of the assignment, and they d idn ' t mail it



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Page 101 to us."2 So tha t might be a reason to el iminate3 in te r roga tor ie s about, "Tell us what color the4 assignment i s . Produce the assignment," f i l ing motions5 to dismiss the assignment. I f you j u s t have the6 assignment, I 'm saying it would be nice i f you f i l ed7 i t .8 On the other hand, i f you look a t Ahem, they9 indica te tha t some of the things tha t absolu te ly ,

10 posi t ively have to be at tached to the complaint are thei l note and the mortgage.12 We can look a t Flor ida Rule of Civi l13 Procedure 1.130(a) , and Ivan versus the FDIC out of the14 Second Dis t r ic t to support tha t proposi t ion of law.15 Defendants.16 What was I was thinking here?17 Oh. A complaint should as se r t tha t the18 defendant i s a proper par ty to the case, and the19 complaint should also asse r t and ra i se the in te re s t of20 jun ior l ienholders whose l i en accrued subsequent to the21 mortgage. For example, second mortgages, tax l i ens ,22 Miami-Dade County court cost l i ens fo r cr iminal23 defendants who are in j a i l and have costs assessed24 aga i ns t t hem, condomin ium li ens are , for the most par t ,25 with very rare except ions, jun ior l ienholders , who



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page 111 should be asser ted in the complaint, or t he i r r i gh t s2 may not be as ext inguished by the ac t ion .3 And In te rna t iona l Cowland, a recent case,4 I - - a very - - very recent case from 1908, suppor ts5 tha t propos i t ion .6 Now, the complaint should also inc lude what7 caused the defau l t .8 Was it the fa i lu re to pay the mortgage, or9 was it fa i lu re to pay taxes or insurance?

10 A complaint should also conta in the l ega l11 descr ip t ion of the proper ty , as I suggested.12 I t would be r ea l l y swel l i f it was done r i gh t13 the f i r s t time, and a t torney ' s f l ees - - j u s t wash my141516

tongue. Can ' t do a th ing with itmust be pled or they are waived.

Now, motions to subs t i t u t e .

a t to rney ' s fees

17 A p la in t i f f should have had s tanding to f i l e18 the complaint a t the time the lawsui t was f i l ed .19202122

And so a motion to subs t i t u t e must bemeasured by the fac ts t ha t ex i s t a t the t ime thelawsui t was f i l ed .

Progressive speaks to t h i s . So does Vogus, a23 little b i t of an older case.24 And a mot i on to subs t i tu te may be proper ly25 f i l ed i f one of these ac t s had occurred:



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I f a par ty d ies .Well , we r a r e l y have a bank dying.Well , wai t . We do. I fo rgo t . This i s

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5 So we of ten see motions to s u b s t i t u t e p a r t i e s6 when a p l a i n t i f f goes ou t of business or i s taken over7 by the FDIC, but sometimes w e ' l l see complain ts where8 it's f i l ed aga ins t an or ig ina l person who took th e9 mortgage out .

10 I s t h a t th e mortgagor or th e mortgagee? One11 of those two. Probably th e mortgagor .12 Anyway - - and t h a t person passes away. So13 you probably would then need to14 Can you forec losure a mortgage ag a in s t a dead15 person?16 Some people say yes .17 Proper ty lawyers probably would say no on18 t h i s .19 So i f you f ind out t h a t your defendant has20 passed away dur ing the forec losure - - passed by the21 very a c t of you serv ing him, you k i l l ed him. Nice22 work. Go home and t e l l your mother what you d id today.23 Anyway, i f the defendant passes away during24 the pendency of the l i t i g a t i o n , you probably have an25 ob l iga t ion to come in to cour t and amend th e complain t



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Page 131 and designate t he i r heirs and designees, and a l l those2 other swel l l egal words for the people t ha t are3 s tanding in the shoes of the dead person.4 Or sometimes we see t ransfers - - motions to5 subs t i tu te where a par ty t ransfers h is or her in te re s t6 in the cause of act ion .7 I think I spoke enough about dead people .8 Let ' s move on, then.9 The motion to subs t i tu te I often - - sometimes

10 I see f i l ed where the bank has sued the wrong - - where11 the wrong person or ent i ty i s suing.12 For example, Bank A f i l e s a lawsui t when they13 rea l i ze they had t ransferred tha t par t i cu la r mortgage14 out of t he i r por t fo l io long before the f i l ing of the1516

complaint .And often lawyers wil l come in with t h e i r

17 fac ts and argue tha t they are en t i t l ed to subs t i tu te a18 party when they have learned tha t Bank A d idn ' t have19 the note a t the time they f i l ed the l awsui t .20 This i s wrong, because the ru le requi red the21 Bank A to have s tanding a t the t ime they f i l ed the22 lawsuit .23 So the more be t t e r - - or the more proper24 remedy would, of cou r se , be to dismiss the act ion25 without prejudice and r e - f i l e the act ion naming the

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Page 141 proper pa r t i e s in the f i r s t place .2 I f we look a t Rule 1.420 (a) (1), there i s some3 c i t a t i ons to t h i s . I

4 You wi l l f ind a couple probably wrongly5 decided cases out the re , where judges have al lowed a6 par ty p l a i n t i f f - - pa r t i c u l a r ly a p l a i n t i f f to be7 subs t i tu t ed when th e wrong bank was l i s t e d in th e f i r s t8 place .9 But I would urge fo r you to read both

10 Berman's and Ehrha rd t ' s ~ not Ehrhard t ' s -- who's the11 evidence fe l lah? - - Trawick 's commentary on t h i s i s sue12 fo r a good c i t a t i on and good di scuss ion about why t h i s13 i s an improper ac t ion to take on s ubs t i t u t i ng a par ty14 p l a i n t i f f because of the requirement fo r s t and ing a t15 the t ime the l awsu i t was f i l ed .16 Yeah. I know it's pre t ty boring s t u f f .17 How many people a re here because t he y ' r e18 i n t e r e s t e d in fo rec losures?19 Uh-huh. Lia rs .20 How many people a re here because they need21 the CLE cred i t s?22 A ll r i g h t , then.23 Motions to s ubs t i t u t e .24 It's the b e t t e r prac t i ce , when most - -25 most the t r igger ing even t fo r motions to ass ign


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Page 151 motions to subs t i tu te i s of ten the assignment , and it2 i s - - al though it i s not required to a t tach the3 assignment to the motion i t s e l f , it i s probably a4 be t t e r prac t i ce to a t t ach the assignment, which5 t r ans fe r s the i n t e re s t .6 Again, it puts the defendant on no t i ce of the7 ac t which t r igge rs the reques t . I t e l imina tes the8 second round of in te r roga tor ie s and the second round of9 reques ts fo r product ion by simply l e t t i ng the defendant

10 see the assignment in the f i r s t p lace . I t e l imina tes11 people coming in to cour t to argue aga ins t the12 assignment, assuming the defense lawyers are up to13 speed on the law and ( indiscern ib le) - - b i l l ab le hours .14 And it e l imina tes a l l reques ts fo r i n t e r roga to r i e s and15 reques ts for product ion, i f you j u s t a t tach the16 assignment.17 And by vi r tue of at taching the assignment ,18 you ' re assur ing yoursel f tha t the motion t ha t you f i l ed19 i s indeed a proper motion and t ha t you are represen t ing20 the r i gh t party th i s week.21 I bel ieve t h a t ' s the end of my presen ta t ion ,22 she sa id thankful ly .232425

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Page 161 (Thereupon, the requested port ion of Excerpt2 No. 2 begins . )3 * * * * * * * * * * *4 JUDGE BAILEY: Thank you, Judge Sigle r .5 She did a great job.6 Let me - - what I 'm going to do with these7 l i t t l e so r t of in t roduct ions i s I 'm j u s t going to chime8 in on a couple of th ings .9 One of the things tha t has caused us a lo t of

10 pain and hear tburn a t 35,000 fee t i s r ea l ly when you11 f i l e a complaint, look a t the note and make sure , you12 know, it's endorsed.13 I f it was made out to Acme Lending and we14 j u s t at tach it to the complaint, and you ' re Bank of15 America, it's going to draw a motion to dismiss almost16 immediately.17 And one of the things the ver i f i ca t ion - -18 because you a l l know I was on the t ask force . We're19 the ones tha t came up with the ver i f i ca t i on . I t was20 designed to t ry to force people to look a t the21 documents you ' re f i l ing .22 I f you have a note t ha t you ' re at taching23 t ha t ' s not endorsed to you, then wai t to f i l e the24 complaint un t i l you ge t one tha t l S .25 * * * * * * * * * * *



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JUDGE ARECES: But there ' s no requirement5 tha t an assignment be at tached, from anything t ha t I6 saw.7 And correc t me i f I 'm wrong on any of th i s .8 As a l l of you know, I don ' t ever claim to be9 completely r igh t a t a l l .

10 You fee l f ree to correc t me. I f you br ing11 case law, I'll be happy to look a t it.121314 held that :

Some of it I don ' t agree with anyway, but - Now, back in 1938, the Flor ida Supreme Court

15 "Any form of assignment of a mortgage,16 which t ransferred the r ea l and benef ic ia l17 i n t e r e s t in secu r i t i e s uncondit ional ly to the18 assignee, wil l en t i t l e assignee to maintain19 an act ion for foreclosure , o r , i f there had20 been no wri t ten assignment, proof of purchase21 to tha t would be su f f i c i en t to en t i t l e22 assignee to foreclosure in equi ty ."23 And th is was Johns v Gil l i an . I th ink it's24 up there by someone as well .25 So th i s dates back to 1938.

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Page 181 So t he re ' s no - - th ere 's no rea l requirement2 .for there even to be a document t ha t i s an assignment ,3 as long as the party who's br inging the cause of act ion4 l a t e r es tab l i shes su f f i c i en t proof to show t ha t they5 ac tua l ly bought th is dec, tha t they are en t i t l ed .6 So it's not r ea l l y something tha t would7 normally come up - - proper ly come up and be dea l t with8 in a motion to dismiss , for the most par t .9 It's something t ha t l a t e r would have to be

10 proved up.11 And i f they can ' t prove it up, they ' re no t12 ge t t ing t he i r judgment.13141516171819202122232425

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(Thereupon, the requested port ion of theexcerpt concludes.)

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Page 191 CERTIFICATE2 STATE OF FLORIDA3 SS.

4 COUNTY OF BROWARD56 I , JULIE MCGRATH, CERTIFY THAT I WAS7 AUTHORIZED TO AND DID TRANSCRIBE THE FOREGOING RECORDED8 EVENTS.9 I DO FURTHER CERTIFY THAT THE FOREGOING IS A

10 TRUE AND ACCURATE TRANSCRIPT OF THE EVENTS AS PROVIDED11 TO ME ON THE DVD TAKEN AT THE TIME, PLACE, AND THE DATE12 HEREINABOVE SET FORTH.13 I DO FURTHER CERTIFY THAT I AM NEITHER A14 RELATIVE NOR EMPLOYEE, NOR ATTORNEY NOR COUNSEL OF ANY15 OF THE PARTIES TO THIS ACTION, AND THAT I AM NEITHER A16 RELATIVE NOR EMPLOYEE OF SUCH ATTORNEY OR COUNSEL, OR17 LAW ENFORCEMENT OFFICIAL INVOLVED, AND THAT I AM NOT18 FINANCIALLY INTERESTED IN THE ACTION.1920 WITNESS MY HAND AND OFFICIAL SEAL IN THE CITY21 OF FORT LAUDERDALE, COUNTY OF22 FLORIDA, THIS 17TH DAY OF NOVEMB23 BY:24 JULIE MCGRATH, TYPIST25



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ability (1) 7:6about (7) 3:4 8:20 9:169:2010:313:714:12absolutely (1) 10:9acceleration (5) 4: 174:19,21,22,24according (1) 8:4accrued (1) 10:20

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