Richardson v. McCabe, Weisberg & Conway, LLC

CourtDistrict of Columbia Court of Appeals
DecidedSeptember 26, 2024
Docket23-CV-0024
StatusPublished

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Opinion

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DISTRICT OF COLUMBIA COURT OF APPEALS

No. 23-CV-0024

KAREN RICHARDSON, APPELLANT,

V.

MCCABE, WEISBERG & CONWAY, LLC, et al., APPELLEES.

Appeal from the Superior Court of the District of Columbia (2020-CA-000741-B)

(Hon. Yvonne Williams, Trial Judge)

(Submitted May 2, 2024 Decided Sept. 26, 2024)

Donald M. Temple for appellant.

Aaron D. Neal for appellees.

Before EASTERLY, HOWARD, and SHANKER, Associate Judges.

EASTERLY, Associate Judge: Karen Richardson appeals from a Superior Court

order dismissing on res judicata grounds her claims of fraudulent and/or intentional

misrepresentation against McCabe, Weisberg & Conway, LLC (“MWC”) and

Trustees Laura H.G. O’Sullivan and Chasity Brown (the “Trustees”), negligent

misrepresentation against MWC, and breach of fiduciary duty against the Trustees 2

for actions related to the judicial foreclosure of her home. For the following reasons,

we are constrained to reverse the Superior Court’s judgment on the limited issue of

privity. We remand for further proceedings consistent with this opinion.

I. Background

In 2008, Ms. Richardson obtained a loan from Taylor, Bean & Whitaker

Mortgage Corporation (“TBW”) that she secured through a promissory note and a

deed of trust to the home she owned at 808 I St., NE. The Federal Home Loan

Mortgage Corporation (“Freddie Mac”) later became the owner of the promissory

note and, after a series of transfers, successors to TBW assigned Nationstar

Mortgage, LLC (“Nationstar”) to be the holder and servicer of the note. Nationstar

then executed a deed of appointment to appoint several members of MWC, including

Laura H.G. O’Sullivan and Chasity Brown, as Substitute Trustees of the deed of

trust. Although the language in the deed of trust stated that the “Lender” had the

power to appoint successor trustees, the deed of appointment stated that, under the

deed of trust, the “holder” of the note could appoint substitute trustees who would

have “all the rights, powers and authority” as the trustees who were originally

named. 3

A. The Foreclosure Litigation

In September 2015, Nationstar filed a complaint for judicial foreclosure

against Ms. Richardson, alleging that she had defaulted on her mortgage.

Ms. Richardson responded by filing counterclaims against Nationstar, TBW, and

another mortgage servicer, claiming that they had violated various federal and local

fair lending and consumer protection laws. Ms. Richardson also contested whether

Nationstar had been properly assigned as a holder of the note and whether it could,

therefore, foreclose on her home. The Superior Court (Hon. Todd Edelman)

concluded that Nationstar was a holder of the note and entitled to enforce it, granted

summary judgment in favor of Nationstar, and ordered the judicial foreclosure of the

property to be carried out by the Trustees. Ms. Richardson appealed the Superior

Court’s decision, and we ultimately dismissed the appeal as moot (because, in the

absence of a stay, the property had already been sold, see infra).

On February 26, 2019, after a year and a half of delay during which

Ms. Richardson filed for bankruptcy, MWC, acting as counsel for Nationstar, sent

Ms. Richardson a Notice of Impending Foreclosure Sale. The sale was scheduled

for March 28, 2019.1 In an attempt to prevent the sale, Ms. Richardson arranged for

The notice erroneously listed the date of the sale as March 28, 2018, but the 1

accompanying advertisement clarified the correct year as 2019. 4

her cousin, Carolyn Jackson, to purchase her home and redeem the mortgage.

Ms. Jackson hired ATG Title, Inc., a real estate settlement agency, to help conduct

the purchase. ATG then contacted MWC to request the specific amount needed to

redeem Ms. Richardson’s mortgage. Sometime before March 1, 2019, MWC sent

Ms. Richardson a letter listing the payoff amount—good through March 5, 2019—

as $270,647.21. Closing for this sale of the property to Ms. Jackson was scheduled

to take place on March 26, 2019, and ATG requested an updated payoff amount from

MWC that would be accurate as to that date. MWC, however, did not respond to

ATG’s request until after 5:00 pm on March 26. The updated payoff figure MWC

sent erroneously included a tax lien Ms. Richardson had previously paid, making the

payoff figure roughly $74,000 higher than MWC’s earlier estimation. Ms. Jackson

did not go through with the purchase. On March 28, 2019, the Trustees conducted

the foreclosure sale and sold the property to Hantek Investments, LLC.

Following the foreclosure sale, Nationstar, represented by MWC, returned to

the Superior Court to ratify the sale of the property. Ms. Richardson opposed the

ratification motion and claimed that she was entitled to relief from wrongful

foreclosure. Specifically, she argued (1) Nationstar2 and MWC violated her right

2 Ms. Richardson referred to Nationstar by its alleged tradename “Mr. Cooper” throughout these filings. 5

under the deed of trust and D.C. Code § 42-815.01(b) to receive an accurate report

of the amount needed to cure the default on her mortgage prior to the foreclosure

sale; (2) Nationstar engaged in fraudulent misrepresentation when MWC sent the

incorrect payoff amount; and (3) the Trustees demonstrated “inequitable conduct

with no regard [for the] fiduciary duty” they owed to Ms. Richardson. The Superior

Court (Hon. Hiram Puig-Lugo) granted Nationstar’s motion to ratify and rejected

Ms. Richardson’s claims, explaining that Ms. Jackson had obtained sufficient

financing to purchase the property and cover the initial payoff amount; pursuant to

D.C. Code § 42-815.01(b), Ms. Richardson’s right to cure the default on her

mortgage expired on March 22, 2019, five days before the scheduled foreclosure

sale on March 28, 2019; and “all that Ms. Jackson had to do” to redeem

Ms. Richardson’s mortgage “was tender [the] payment no later than March 22nd,”

which did not occur. The court concluded that the incorrect payoff amount

Nationstar provided Ms. Richardson on March 26, 2019, accordingly, did not

prejudice her because her right to cure the default had already lapsed.

Ms. Richardson moved for reconsideration, which the Superior Court denied.

Ms. Richardson then appealed the Superior Court’s order denying reconsideration,

which this court dismissed as moot (again because the property had already been

sold).

After Nationstar moved to ratify the accounting and close the case in the 6

Superior Court, Ms. Richardson continued to object to the foreclosure sale, arguing,

among other things, that MWC and the Trustees had given her an inaccurate loan

payoff amount and had failed to explain the error. The Superior Court once again

rejected Ms. Richardson’s arguments, ratified the accounting, and ordered the

foreclosure sale as final.3 Ms. Richardson did not appeal.

B. Ms.

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