Miller et al v. Homecomings Financial LLC et al :: Justia ...

Miller et al v. Homecomings Financial LLC et al

Case 4:11-cv-04416 Document 16 Filed in TXSD on 08/08/12 Page 12 of 14

Analysis

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2. Standing to Challenge Assignment of Security Interest

Defendants' final (and weakest) argument is that homeowners like plaintiffs "will not be prejudiced" if the chain of assignments from original lender to foreclosing entity were immune to debtor challenge. After all, the argument apparently goes, the Millers owe the money to somebody. In truth, the potential prejudice is both plain and severe - foreclosure by the wrong entity does not discharge the homeowner's debt, and leaves them vulnerable to another action on the same note by the true creditor. Banks are neither private attorneys general nor bounty hunters, armed with a roving commission to seek out defaulting homeowners and take away their homes in satisfaction of some other bank's deed of trust. MasterCard has no right to sue for debts rung up on a Visa card, and that remains true even if MasterCard has been assigned the rights of another third party like American Express. Unless and until a complete chain of transactions back to the original lender is shown, MasterCard remains a stranger to the original transaction with no claim against the debtor. And that is a fair description of this case in its present posture. In sum, a standing issue is lurking here, but only as to the defendants, not the plaintiffs. The court concludes that under Texas law homeowners have legal standing to

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challenge the validity or effectiveness of any assignment or chain of assignments under which a party claims the right to foreclose on their property. Accordingly, plaintiffs have properly stated claims for declaratory and injunctive relief based on wrongful foreclosure, trespass to try title and quiet title.

Justia > Dockets & Filings > Texas > Texas Southern District Court > Real Property > Foreclosure > Miller et al v. Homecomings Financial LLC et al

Miller et al v. Homecomings Financial LLC et al

Plaintiffs: Defendants:

Joan Miller and David Miller

Homecomings Financial LLC , GMAC Mortgage LLC , Bank of New York Mellon Trust Company NA , Don Ledbetter, Patricia Poston, Gabriel Ozel and Pite Duncan, LLP

Case Number: Filed:

4:2011cv04416 December 15, 2011

Court: Office: County: Presiding Judge:

Texas Southern District Court Houston Office Montgomery David Hittner

Nature of Suit: Cause: Jurisdiction: Jury Demanded By:

Real Property - Foreclosure 28:1446 Notice of Removal Diversity

None

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U.S. District Court SOUTHERN DISTRICT OF TEXAS (Houston) CIVIL DOCKET FOR CASE #: 4:11-cv-04416

Miller et al v. Homecomings Financial LLC et al

Assigned to: Magistrate Judge Stephen Smith

Case in other court Montgomery County, TX, 9th Judicial

:

District, 11-00010-11705-CV

Cause: 28:1446 Notice of Removal

Date Filed: 12/15/2011 Jury Demand: None Nature of Suit: 220 Real Property: Foreclosure Jurisdiction: Diversity

Plaintiff

Joan Miller

represented by Jeffrey Scott Kelly The Kelly Legal Group PLLC PO Box 2125 Austin, TX 78768 512-505-0053 Email: jkelly@ LEAD ATTORNEY ATTORNEY TO BE NOTICED

Plaintiff David Miller

represented by Jeffrey Scott Kelly (See above for address) LEAD ATTORNEY ATTORNEY TO BE NOTICED

V. Defendant Homecomings Financial LLC

represented by Graham W. Gerhardt Bradley Arant et al 1819 5th Ave N. Birmingham, AL 35203 205-521-8000 Email: ggerhardt@ LEAD ATTORNEY ATTORNEY TO BE NOTICED

Keith Steven Anderson Brandley Arant Boult Cummings LLP 1819 Fifth Avenue North Birmingham, AL 35203 205-521-8714

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