Countrywide Home Loans Servicing, LP v. Clark

2015 IL App (1st) 133149, 40 N.E.3d 829
CourtAppellate Court of Illinois
DecidedSeptember 30, 2015
Docket1-13-3149, 1-14-1082, 1-14-2151 cons.
StatusUnpublished
Cited by1 cases

This text of 2015 IL App (1st) 133149 (Countrywide Home Loans Servicing, LP v. Clark) is published on Counsel Stack Legal Research, covering Appellate Court of Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Countrywide Home Loans Servicing, LP v. Clark, 2015 IL App (1st) 133149, 40 N.E.3d 829 (Ill. Ct. App. 2015).

Opinion

2015 IL App (1st) 133149

THIRD DIVISION September 30, 2015

Nos. 1-13-3149, 1-14-1082, 1-14-2151 (cons.)

COUNTRYWIDE HOME LOANS ) Appeal from the SERVICING, LP, ) Circuit Court of ) Cook County Plaintiff-Appellee, ) ) Nos. 08 CH 19406 v. ) 08 D 5204 ) DAVID CLARK; ROBIN CLARK, a/k/a ) The Honorable Robin D. Clark; CITICORP VENDOR FINANCE, ) John H. Ehrich INC.; McCANN INDUSTRIES, INC.; THE ) Judge Presiding. HANOVER INSURANCE GROUP, INC. s/i/i to The ) Hanover Insurance Company; COUNTRYWIDE ) HOME LOANS, INC.; STANLEY H. BOYD; ) UNKNOWN OWNERS; and NONRECORD ) CLAIMANTS, ) ) Defendants-Appellants. )

PRESIDING JUSTICE MASON delivered the judgment of the court, with opinion. Justices Fitzgerald Smith and Lavin concurred in the judgment and opinion.

OPINION

¶1 In this consolidated case, defendants Stanley Boyd and Robin Clark appeal separate

orders entered by the trial court relating to mortgage foreclosure proceedings initiated by the

mortgage lender Countrywide Home Loans, Inc. (Countrywide), which later assigned the

mortgage to plaintiff Countrywide Home Loans Servicing, LP (Countrywide Servicing). Boyd

challenges the trial court's jurisdiction when it entered a default order against him asserting he

was not properly served with the summons and complaint and seeks review of the trial court's

denial of his motion to quash service of process. Clark appeals the trial court's order disbursing Nos. 1-13-3149, 1-14-1082 and 1-14-2151 (cons.)

proceeds from the sale of her prior marital home to Bank of America, N.A. 1 because she claims

no evidence was offered supporting the bank's right to the proceeds to payoff the first mortgage

on the home. Both Boyd and Clark claim that the trial court erred when it: (1) ruled on their

motions without an evidentiary hearing and (2) refused to certify their proposed bystander's

report. Finding no merit in Boyd's and Clark's separate and combined claims, we affirm.

¶2 BACKGROUND

¶3 On April 26, 1999, husband and wife David and Robin Clark refinanced the mortgage on

their marital home located at 6721 South Bennett Avenue in Chicago, Illinois. The Clarks

executed a note with Countrywide in the principle amount of $322,150 secured by a mortgage on

their home. The Clarks also executed a line of credit with Countrywide in the amount of

$30,000, which was secured by a second mortgage on their home that was inferior to the first

mortgage. On July 15, 2006, Boyd loaned money to Clark, his daughter, and secured his

$71,500 loan with a mortgage recorded on the marital home. Boyd's mortgage was inferior to

both of Countrywide's mortgages.

¶4 On May 28, 2008, Clark filed a petition for dissolution of marriage. A day later,

Countrywide filed a complaint to foreclose the first mortgage, which had been in default since

1 It is well settled that a court may take judicial notice of matters that are commonly known or facts that are not generally known but are readily verifiable from sources of indisputable accuracy. Murdy v. Edgar, 103 Ill. 2d 384, 394 (1984). More specifically, a reviewing court " 'may take judicial notice of a written decision that is part of the record of another court.' " Bank of America, N.A. v. Kulesza, 2014 IL App (1st) 132075, ¶ 21 (quoting Aurora Loan Services, LLC v. Kmiecik, 2013 IL App (1st) 121700, ¶ 37). We take judicial notice of our supreme court's decision in BAC Home Loans Servicing, LP v. Mitchell, 2014 IL 116311, ¶ 3, identifying BAC Home Loans Servicing, LP as the entity formerly known as Countrywide Home Loans Servicing, LP. Furthermore, this court in Kulesza, 2014 IL App (1st) 132075, ¶¶ 22-23, recognized that BAC Home Loans Servicing was a subsidiary of Bank of America by taking judicial notice of decisions from other jurisdictions finding BAC Home Loans Servicing had merged into Bank of America. Accordingly, Bank of America is successor by merger to BAC Home Loans Servicing f/k/a Countrywide Servicing. -2- Nos. 1-13-3149, 1-14-1082 and 1-14-2151 (cons.)

December 2007. The principle balance due on the mortgage was $179,469.69, plus interest,

costs, and fees. In addition to Clark and her husband, the complaint also named the following

parties as defendants (collectively referred to as "other defendants") because they had an interest

in or lien on the property: (1) Citicorp Vendor Finance, Inc.; (2) McCann Industries, Inc.; (3) The

Hanover Insurance Group, Inc.; (4) Countrywide Home Loans, Inc. (second mortgage); (5)

Boyd; and (6) unknown owners and nonrecord claimants. A summons was issued for each of the

other defendants.

¶5 At 2:46 p.m. on June 17, 2008, Edward Soltan, a licensed special process server working

for "Court Support," personally served Boyd with a copy of the summons and complaint at his

residence located at 2420 Hunter Ave., Apt. 22E, Bronx, New York. Soltan completed the

affidavit of service listing his license number as XX-XXXXXXX and describing Boyd as a black

male, "approximate[ly] 57" years old. A notary witnessed Soltan's signature. Although Boyd

filed nothing in the trial court to indicate his real age, he represents in his brief on appeal that he

was 65 years old at the time he was purportedly served.

¶6 On July 15, 2008, Clark filed an appearance, answer to the foreclosure complaint and a

motion to consolidate the divorce action with the foreclosure action because both proceedings

involved her and her husband's interest in the marital home. On January 27, 2009, the trial court

consolidated the foreclosure action into the pending divorce action in the domestic relations

division. While the divorce proceedings were pending, the trial court directed Clark's husband to

execute without prejudice a quit claim deed to Clark to facilitate her negotiations with

Countrywide in the pending foreclosure action.

¶7 On April 23, 2009, the trial court entered the following orders: (1) granted Countrywide's

motion to substitute Countrywide Servicing as plaintiff because the mortgage or servicing rights

were sold and assigned to Countrywide Servicing; (2) granted Countrywide Servicing's motion

-3- Nos. 1-13-3149, 1-14-1082 and 1-14-2151 (cons.)

for summary judgment against Clark; (3) granted Countrywide Servicing's motion for judgment

of foreclosure and sale in the amount of $209,932.21–inclusive of the principal balance, accrued

interest, costs and attorney fees; (4) scheduled a sheriff's sale for August 17, 2010, with the right

of redemption to expire on August 24, 2009; and (5) granted Countrywide Servicing's motion for

default against the other defendants based on their failure to appear or plead.

¶8 Throughout the foreclosure proceedings, Clark sought to sell the property to a third party

to avoid a sheriff's sale. The trial court stayed the sheriff's sale and lifted the stay numerous

times while the proceedings were pending. On August 14, 2010, Clark received an offer in the

amount of $225,000 to purchase the property. To facilitate the property's closing, Clark

communicated with Bank of America to request a loan modification and payoff letters. But the

buyer later cancelled the sale.

¶9 On February 1, 2011, the trial court entered an order directing that upon any sale of the

residence, the net proceeds after payment of the two Bank of America mortgages and closing

costs, would be held in escrow until further court order or agreement of the parties.

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2015 IL App (1st) 133149, 40 N.E.3d 829, Counsel Stack Legal Research, https://law.counselstack.com/opinion/countrywide-home-loans-servicing-lp-v-clark-illappct-2015.