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Brown v. Countrywide Home Loans

March 24, 2010

LONNIE BROWN AND LISA BROWN, PLAINTIFFS,
v.
COUNTRYWIDE HOME LOANS, INC., MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, AND AMERICA'S WHOLESALE LENDER, DEFENDANTS.



The opinion of the court was delivered by: Avern Cohn United States District Judge

HONORABLE AVERN COHN

ORDER

GRANTING DEFENDANTS' MOTION FOR JUDGMENT ON THE PLEADINGS AND FOR SUMMARY JUDGMENT (Doc. No. 11)*fn1 AND DISMISSING CASE

I. Introduction

This is a mortgage case. Plaintiffs Lonnie and Lisa Brown are suing defendants Countywide Home Loans, Inc., Mortgage Electronic Registration Systems, and America's Wholesale Lender. Plaintiffs raise a host of claims, phrased as follows:

Count I - wrongful foreclosure and declaratory action Count III*fn2 - breach of contract Count IV - terminate foreclosure sheriff's deed & permanent restraining order Count V - quiet title Count VI - negligence and gross negligence Count VII - intentional infliction of emotional distress Count VIII - unreasonable debt collection practices under Michigan law Count IX - violation of the Michigan debt collection practices act Count X - deception trade practices act Count XI - breach of fiduciary duty Count XII - punitive damages Count XIII - wrongful foreclosure by advertisement Count XIV - attorney fees Before the Court is defendants' motion for judgment on the pleadings and for summary judgment. For the reasons that follow, the motion will be granted and the case will be dismissed.

II.

Plaintiffs owed real property in Springfield Township which was subject to a mortgage held by defendant Mortgage Electronic Registration Systems, Inc. (MERS), as nominee for defendant America's Wholesale Lender (AWL). Defendant Countrywide Home Loans (Countrywide) serviced the mortgage. Plaintiffs defaulted on the mortgage. Countrywide, on behalf of MERS, began foreclosure proceedings and retained a law firm to handle the proceedings. Eventually, the property was sold at a Sheriff's sale to MERS who obtained a Sheriff's deed.

On April 20, 2009, just prior to the expiration of the statutory redemption period, plaintiffs filed a multi-count complaint in state court, claiming several errors in the foreclosure proceedings. Defendants removed the case to federal court on the grounds of federal question jurisdiction. The Court held a status conference with the parties on May 26, 2009 after which it entered an order directing plaintiffs to file an amended complaint within thirty (30) days and directing that defendants take no action for 30 days or until the amended complaint was filed. Plaintiffs failed to timely file an amended complaint. Accordingly, on July 13, 2009, the Court entered an order requiring plaintiffs to file an amended complaint within ten (10) days or face dismissal of the case. Plaintiffs filed an amended complaint on July 24, 2009. A scheduling order was issued on August 11, 2009.

On January 15, 2010, defendants filed the instant motion for judgment on the pleadings and summary judgment. Plaintiffs did not file a response within the time period required by the local rules. On February 25, 2010, the Court issued a Notice of Hearing for March 30, 2010. The Notice specifically states that "a response shall be filed on or before March 12, 2010. No extensions will be granted." To date, plaintiffs have not filed a response to defendants' motion.

In the motion, defendants address each count of plaintiffs' complaint and explain why plaintiffs have not stated a viable claim against any of the defendants. Defendants' papers also describe the foreclosure proceedings in detail, with attached exhibits.

III.

Fed. R. Civ. P. 56(e)(2) provides:

(2) Opposing Party's Obligation ...


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