Freedom Mortgage Corporation v. Benson, P.

CourtSuperior Court of Pennsylvania
DecidedJuly 9, 2026
Docket1510 EDA 2025
StatusUnpublished
AuthorKunselman

This text of Freedom Mortgage Corporation v. Benson, P. (Freedom Mortgage Corporation v. Benson, P.) is published on Counsel Stack Legal Research, covering Superior Court of Pennsylvania primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Freedom Mortgage Corporation v. Benson, P., (Pa. Ct. App. 2026).

Opinion

J-S08028-26

NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT O.P. 65.37

FREEDOM MORTGAGE CORP. : IN THE SUPERIOR COURT OF : PENNSYLVANIA v. : : PAUL BENSON AND KRISTY BENSON : : APPEAL OF: PAUL BENSON : No. 1510 EDA 2025

Appeal from the Judgment Entered August 15, 2025 In the Court of Common Pleas of Philadelphia County Civil Division at No(s): 230402912

BEFORE: PANELLA, P.J.E., KUNSELMAN, J., and NICHOLS, J.

MEMORANDUM BY KUNSELMAN, J.: FILED JULY 9, 2026

Paul Benson appeals, pro se, from the judgment of foreclosure entered

against a residential property at 1221 Titan Street in Philadelphia. We affirm.

In December 2017, Mr. Benson and Kristy Benson (his wife) mortgaged

the property to Allied Mortgage Group based on a $330,000 promissory note.

The mortgage and note passed through various entities 1 to Freedom Mortgage

Corp. (“FMC”). Thereafter, the Bensons stopped making mortgage payments.

On April 27, 2023, FMC filed this action to foreclose. There were no

preliminary objections. Mr. Benson filed an answer and new matter, wherein

he claimed FMC lacked standing to sue. See Answer and New Matter at 1.

Mr. Benson purported to file the Answer and New Matter for himself and on

behalf of Mrs. Benson. Importantly though, Mr. Benson is not an attorney.

____________________________________________

1 The other entities included Mortgage Electronic Registration Systems, Inc.

(“MERS”); PennyMac Loan Services LLC; Plaza Mortgages, Inc; and Arc Home LLC. J-S08028-26

See N.T., 2/18/25, at 5. Thus, Mrs. Benson did not file any documents of

record in this case.2

The matter proceeded to a non-jury trial on February 18, 2025. Allison

Bielby, an employee of FMC, testified to the above facts. At the close of FMC’s

case-in-chief, Mr. Benson handed the court a “Motion to Dismiss” that included

exhibits. See N.T., 2/18/25, at 26.

Counsel for FMC responded:

Mr. and Mrs. Benson filed an answer without preliminary objections. The court rules are very clear that, if a Motion to Dismiss is filed, it needs to be raised by preliminary objections prior to the pleading in the action. So, in this case, by filing an answer without filing preliminary objections, the Bensons have waived that.

Id. at 26-27.

The trial court denied the motion to dismiss. See id. It then asked Mr.

Benson “a very frank question: have you paid any mortgage [payments] since

December of 2022?” Id. at 28.

He said, “No.” Id. In his view, he “paused” the mortgage payments,

“because [FMC] wouldn’t give [him] the information that [he] was requesting.”

2 Because Mr. Benson is not an attorney, all of his filings were legal nullities

regarding his purported representation of Mrs. Benson. “[N]on-attorneys may not represent other parties before Pennsylvania courts. Further, the unauthorized practice of law is prohibited and criminalized in Pennsylvania.” Delaware Valley Landscape Stone, Inc. v. RRQ, LLC, 284 A.3d 459, 462 (Pa. Super. 2022) (citing 42 Pa.C.S.A. § 2524(a)) (some citations omitted). Hence, Mr. Benson’s repeated representation of his wife and his filings on her behalf were legally nullities. See id.

-2- J-S08028-26

Id. at 30. Mr. Benson argued, “Under the UCC[, the Uniform Commercial

Code,3] it’s okay to pause your payments if you -- if you’re not getting the

information that you need to verify the loan.” Id.

The court gave Mr. Benson until February 21, 2025 to file a post-trial

brief regarding his UCC defense. See id. at 31. The court also admitted Mr.

Benson’s exhibits into evidence and directed him to brief “how [his exhibits]

pertain to the documents that you sent me and the actions that you claim that

[FMC] has made that you believe are fraudulent.” Id. at 32. The court also

gave FMC a week to provide a responsive, post-trial brief, following the filing

of Mr. Benson’s post-trial brief. The court adjourned.

Instead of filing a post-trial brief as ordered, on February 24, 2025, Mr.

Benson filed a document titled “Motion to Dismiss with Prejudice,” in which he

renewed his claim that FMC lacked standing. He relied on Pennsylvania Rule

of Civil Procedure 1028 and seemingly attempted to file preliminary objections

to FMC’s standing. Mr. Benson asserted that FMC lacked standing to sue and

that FMC failed to join an indispensable party. His preliminary objections did

not identify the allegedly indispensable party.

Four days later, FMC filed a post-trial brief, proposed findings of fact,

and proposed conclusions of law.

On March 4, 2025, Mr. Benson filed a document titled “Defendant’s

Joinder Counterclaim.” In this new filing, he raised post-trial counterclaims

3 See 13 Pa.C.S.A. §§ 1101—91136.

-3- J-S08028-26

against Allied Mortgage, PennyMac, and MERS (collectively “the Non-Parties”).

Mr. Benson neglected to have the Sheriff of Philadelphia County serve the

“Defendant’s Joinder Counterclaim” on the Non-Parties. 4 Hence, they were

never summoned into court or joined to this action. Nevertheless, Mr. Benson

also directed his post-trial counterclaims against FMC.

The following day, FMC filed preliminary objections to Mr. Benson’s

counterclaims. FMC argued that the “Joinder Counterclaims” were facially

untimely, because Mr. Benson filed them after the trial. FMC argued that Mr.

Benson had waived his right to bring counterclaims by not including them in

his answer and new matter, during the pleadings stage of the case. It also

contended that the Rules of Civil Procedure limit counterclaims in foreclosure

actions to those that arise from the transaction, specifically, counterclaims

relating to the creation of the mortgage.

On March 31, 2025, the trial court denied Mr. Benson’s “Motion to

Dismiss with Prejudice.” On April 2, 2025, Mr. Benson filed a “Motion for

Clarification.” The trial court denied his motion the next day.

On April 10, 2025, the trial court sustained FMC’s preliminary objections

to Mr. Bensons’ “Joinder Counterclaim.” He moved for reconsideration, which

the trial court denied.

On May 1, 2025, Mr. Benson moved for leave of court to join additional

defendants. He also moved for certification of the April 10, 2025 Order, ____________________________________________

4 In Pennsylvania, “original process shall be served . . . only by the sheriff.”

Pa.R.Civ.P. 400(a).

-4- J-S08028-26

sustaining FMC’s preliminary objections to his counterclaims, as a final order.

The trial court denied that motion, as well.

On May 19, 2025, the court entered its non-jury decision from the

February 18, 2025 trial. It found in favor of FMC for $331,623.70. The trial

court also ordered the judicial sale of the property to satisfy the unpaid

balance on the Bensons’ loan.

On May 23, 2025, Mr. Benson filed a Motion to Strike Final Order of May

19, 2025. He contended that the trial court violated Pennsylvania Rule of Civil

Procedure 1038(b), because it did not issue findings of fact and conclusions

of law with its non-jury decision. See Motion to Strike at 3. In addition, Mr.

Benson argued that the trial court’s entry of the non-jury decision violated his

due process rights, because the court had not ruled on his motion for leave to

join Selene Financial as an additional defendant.

Next, on May 28, 2025, Mr. Benson filed a two-page motion to

reconsider the May 19, 2025 Order. Therein, he claimed that (1) there was a

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Bluebook (online)
Freedom Mortgage Corporation v. Benson, P., Counsel Stack Legal Research, https://law.counselstack.com/opinion/freedom-mortgage-corporation-v-benson-p-pasuperct-2026.