Proving standing can sometimes be difficult for a bank because in most foreclosure cases the bank seeking foreclosure is not the bank that originated the mortgage loan. 713, has a lien on the improved real property for any money that is owed to . What Are Statutory Damages Under the FCCPA and the FDCPA? After you answer each numbered allegation you will have the option to use case law, previous court rulings, and local statues to point out flaws in their foreclosure summons. Get in touch withAttorney Romy B. Juradotoday by calling(305) 921-0440or by sending us an email atRomy@jflawfirm.com. This means that a lender must file a foreclosure complaint with the court, and the borrower will be given an opportunity to file defenses to stop the foreclosure. 1 ago. Kumar Corp. v Nopal Lines, Ltd was a court case that was ruled in back in 1985. allegations are expressly, directly and explicitly denied and strict proof is, paragraph, therefore the allegations are exp. For more, readOcwen Filing Bad Foreclosure Lawsuits: Is Ocwen Servicing Your Mortgage? Box 23028, Tampa, FL 33623, and faxed [239-261-3659], and mailed Ashley D. Lupo, Esq., Roetzel & Andress, LPA, 850 Park Shore Dr., Fl 3, Naples, FL 34103. %PDF-1.3 is without knowledge of the material allegations of, any other defendant and therefore the allegations are expressly, directly and, explicitly denied and strict proof is demanded, paragraph regarding Tenant #1, Tenant #2, Tenant #3 and Tenant #4 and, WHEREFORE, defendant prays that this Honorable Court dismiss this action in, toto ordering that plaintiff take nothing by this action; award Defendant costs and, reasonable attorney fees as provided by 15 U.S.C. Under Florida law, equitable estoppel is an affirmative defense. Neither the exhibits attached to Plaintiffs Complaint nor the allegations of the Complaint are sufficient to demonstrate standing. Contain affirmative allegations expressly made by the claimant at the time the proceeding is commenced that the claimant is the holder of the original note secured by the mortgage; or allege with specificity the factual basis by which the claimant is a person entitled to enforce the note under section 673.3011, Florida Statutes; and. The defendant can successfully defend against a foreclosure action with an unclean hands defense. Deny that plaintiff is entitled to recover its attorney fees. If the homeowner affirmatively denies the existence of such notice, the court may rule in favor of the homeowner in the foreclosure case. Florida Bar No 021997. Jimerson Birr welcomes inquiries from the media and do our best to respond to deadlines. The lenders' and mortgage servicers' sloppy record keeping and abusive practices can be of benefit to homeowners trying to defend against foreclosure. 2d 1316 (Fla. Dist. Stated differently, each monthly payment that the borrower fails to pay restarts the 5-year clock. This is an affirmative duty imposed on mortgage lenders, the homeowner does not have to request this information in order for it to be a requirement imposed on lenders. Standing. . This is a sample document related to a specific set of facts and circumstances and should not be used or relied upon if any foreclosure, deficiency judgment, short sale or any other real estate matter. Defendants, De.O and Do.O admits the jurisdictional allegations in the complaint. - We Help Stop Home Foreclosure and Remove Debt Liability-. Foreclosure defense forms must be drafted to comply with the laws of your State. at 61 ([A] plaintiff need only substantially comply with conditions precedent.). Then please feel free to send Larry an. In the context of foreclosure lawsuits, the plaintiff will have unclean hands if it uses unscrupulous practices, overreaching, concealment, trickery, or other unconscientious conduct. Shahar v. Green Tree Servicing LLC, 125 So. 3 Types of Foreclosure DefensesIn Florida, 10 Reasons To Survey Your Property In Florida. Notably, financial institutions have also been proactive and creative in crafting legal arguments to overcome such affirmative defenses. Hallandale Beach, FL 33009 We are applying the same concept to this affirmative defense. 846, 848 (Fla. 1928) (quoting Indian River Mfg. See, Edelstein v. Peninsular Lumber Supply Co., 247 So. Workers Compensation Law & Construction Injuries, FAQs for Florida Ancillary Administration, Problems with Florida Summary Administrations, Amended Answer and Affirmative Defenses Foreclosure. Affirmative Defenses Under Florida Law "An affirmative defense is a defense which admits the cause of action [asserted in the plaintiff's complaint], but avoids liability, in whole or in part, by alleging an excuse, justification, or other matter negating or limiting liability." Although the specific requirements vary in each loan agreement, lenders are usually required to provide borrowers with notice that they are behind in their loan payments, an opportunity to cure the default by making a payment or performing some sort of action within a stated period of time (usually not less than 30 days), and notice that if they do not cure the default in the stated period of time, the lender has the right to accelerate the loan. Email: legal@raygarcialaw.com. an HOA charged too much money or charged unreasonable fees. al., 462 So.2d 1178, (FLa. 3d DCA 1985). This person has legal duties underRule 1.070and the Florida Statutes, including Florida Statutes48.20,48.031(5). Notably, the "show me the note" and "lack of standing" defenses, while still effective, have been watered down some state court decisions. They used a transport company (Nopal) to transport the TV sets and parts to Venezuela. The lender should not have the ability to foreclose. M If the statute of limitations is a viable defense be sure to plead it in the answer, as it may be waived if not so pled. Anyproperty liensor attempts to foreclosure resulting from an unauthorized charge are not valid and cannot be enforced by an HOA against the propertys owner. Experienced Fort Lauderdale Lawyers representing clients throughout South Florida including the cities of Sunrise, Wilton Manors, Hallandale Beach (Main Office), Oakland Park, Lauderdale Lakes, Lauderhill, Plantation, Pompano Beach, Tamarac, Coconut Creek. Stop Your Foreclosure (before you have been served). Although this blog does not contain all of the possible defenses a borrower may raise in a foreclosure lawsuit, it contains some of the most common defenses. If the note does not name the plaintiff as the payee, the note must bear a special endorsement in favor of the plaintiff or a blank endorsement. There was no Assignment of Mortgage attached to the Complaint which alleges to confer any legal rights in the Note and Mortgage. Even though receiving a notice that an HOA began a foreclosure against you is not a positive thing, the ideal approach is to stay calm and not waste time with uncertainty. 00-6872-CIV-FERGUSON/SNOW [PLAINTIFF], . Here, the court will deny acceleration of the debt based upon equitable reasons. Assn v. J.P. Morgan Mortg. denied and strict proof is demanded thereon. Bartram v. U.S. Bank Nat. 2d 1316 (Fla. Dist. Under Florida law, statutes have been passed that contain very specific provisions on how the bank must give formal notice of default on the home loan. Based on this, a lender, or the holder of the note and mortgage, must bring its foreclosure lawsuit within five years from the date of default. Each new default, based on a different act or date of default, creates a new cause of action. 1. Standing requires that the party prosecuting the action have a sufficient stake in the outcome and that the party bringing the claim be recognized in the law as being a real party in interest entitled to bring the claim. All rights reserved. We recommend and urge you to consult with an experienced lawyer for professional advice as each case is unique. Kumar fights back that even though this is true, they have two affidavits signed by Nava that ratified and endorsed Kumars lawsuit. Four Common Foreclosure Defenses That Lenders Should Be Aware Of If you are the site owner (or you manage this site), please whitelist your IP or if you think this block is an error please open a support ticket and make sure to include the block details (displayed in the box below), so we can assist you in troubleshooting the issue. IT IS HEREBY CERTIFIED that on October 14, 2011, a true and correct copy of the foregoing was faxed [813-221-9171], and mailed to Ryan Weeks, Esq., Albertelli Law, P.O. All Rights Reserved. PDF Meghan Serrano - Shumaker, Loop & Kendrick, LLP 2d 721 (Fla. Dist. In the context of foreclosure, standing is used to argue the bank is not the proper plaintiff in the foreclosure case. All forms are available in Word format. Affirmative Defenses Under Florida Law Gulisano Law, PLLC Here, longstanding principles of fairness (equity) are applied to the situation. An individual whopurchases a propertyin development needs to agree with several terms and conditions contained in the developments governing documents. Fla. Stat. All Rights Reserved. Rashid v. Newberry Fed. By__________________________________________ Plaintiff intentionally failed to act in good faith or to deal fairly with Defendants by failing to follow the applicable standards of residential single family mortgage lending and servicing as described in these Affirmative Defenses thereby denying Defendants access to the residential mortgage lending and servicing protocols applicable to the subject note and mortgage. The only evidence which purports to transfer any rights to the Mortgage and Note, is the endorsement listed on the copy of the note produced by Plaintiff. Mortgages are frequently sold and transferred to other financial institutions. by Larry Tolchinsky | Florida Foreclosures, Foreclosure Defense | 0 comments. Affirmative Defenses to Foreclosure Based on Noncompliance with Notice Requirements: 57.105 and the. 3 Types of Foreclosure Defenses In Florida Notice of default has to be given long before the lawsuit is filed. Defendant, JOHN DOE, hereby respond to the allegations of the Compliant and state affirmatively: 1. Start here to find foreclosure lawyers near you. Most mortgages include a condition that the bank notify the homeowner that the loan is in default prior to initiating a foreclosure lawsuit. 10-81612-CV-HURLEY/HOPKINS JONATHAN E. PERLMAN, Plaintiff, v. WELLS FARGO BANK, N.A., Defendant. This is where your affirmative defense comes in. 2 * We limit our focus here to defenses specific only to the action. SEVENTH AFFIRMATIVE DEFENSE Violation of Florida Consumer Collection Practices Act F.S. Law Office of Ray Garcia, P.A. Copyright 2008-2023 Jimerson Birr, P.A. Case No. However, theres nothing which evidences any transfer to the Plaintiff. We provide attorneys and you with the state-specific forms that are correct and valid. Foreclosure cases in Florida are heard in courts of equity. Moreover, banks will often lose the original promissory note or mortgage, which can make it even more difficult to prove standing. Above is only one part of the first affirmative defense but I will break down what it is saying piece by piece. fraudstoppers.org/22-affirmative-defenses/, Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/103.0.5060.114 Safari/537.36 Edg/103.0.1264.49. Access from your Country was disabled by the administrator. If the foreclosing plaintiff came to the court with unclean hands, it will be prevented from foreclosing, regardless of the merits of the claim. Standing requires that the party prosecuting the action have a sufficient stake in the outcome and that the party bringing the claim be recognized in the law as being a real party in interest entitled to bring the claim. Ct. App. This is a sample document related to a specific set of facts and circumstances and should not be used or relied upon if any foreclosure, deficiency judgment, short sale or any other real estate matter. Defendant. Another common defense in foreclosure lawsuits in Florida is the lender failed to provide the required notice of default. 349070 To have standing to bring a foreclosure lawsuit, the plaintiff must demonstrate that it holds the note and mortgage at the time the foreclosure lawsuit was filed. Defendant is without knowledge as to the recording information, proof is demanded thereon. 4th DCA 1975), Do not sell or share my personal information. PDF Elements of Florida Causes of Actions We Routinely Litigate - Jimerson Birr Real Estate Settlement Procedures Act (RESPA): This federal law requires specific documents to be delivered to a borrower as part of the closing and after closing. % The Forth District elaborated on this rule in Phillips v. Choate, 456 So. Standardized forms for all States are generally not acceptable. This includes meeting the procedural requirements for service of process upon the borrower as a party defendant. The Plaintiff does not prove that it owns, holds, or has the right to enforce the mortgage. Defendants hereby claim and reserve any right or interest it may have in or to any surplus proceeds that may result from the Plaintiffs foreclosure of the subject property. Charles B. Jimerson Defenses based on missing mortgage documents and/or assignments are far from the only defense tactics available to foreclosure defendants. IN THE CIRCUIT COURT OF THE 3d 1176, 1179 (Fla. 2d DCA 2010) (Because J.P. Morgan did not own or possess the note and mortgage when it filed its lawsuit, it lacked standing to maintain the foreclosure action.). During the transport everything was stolen. We recommend and urge you to consult with an experienced lawyer for professional advice as each case is unique. Ch. 3d 294, 295 (Fla. 5th DCA 2017) (Unclean hands may be asserted as an affirmative defense to a mortgage foreclosure action.). A good piece of advice if you are dealing with a foreclosure in Florida, is to speak with an experienced Florida real estate lawyer to learn about your rights, including learning if any of the above foreclosure defenses apply to your loan. Here we reference a previously ruled case to enforce our claim: Kumar Corp. v Nopal Lines, Ltd, et. 5. If a homeowner raises this issue in the foreclosure case, the burden of proving this condition was satisfied may be placed on the lender. stream Florida law is constantlychanging. If the homeowner can successfully raise doubts as to the bank's standing they may prevail in the foreclosure case. The Plaintiff does not prove that it owns, holds, or has the right to enforce the mortgage. Borrowers must get special disclosures for these kinds of mortgages. Under Florida Law, What is Equitable Estoppel? Ewusiak Law Once a lien is attached by an HOA on an individuals property, it will generally incur foreclosure (even in cases where the property owner has paid the mortgage as required). The attorney listings on this site are paid attorney advertising. Under Florida Statute 559.715, banks are required to provide written notice to the homeowner each time the mortgage is transferred. Thus, the Plaintiff was incorrect in stating that all parties to this action are properly before this Court. Here is the outline of the 12 other affirmative defenses that were raised: One affirmative defense we can use for when the lender lost the note (from our second foreclosure example) may look like this: Referencing Previously Ruled Court Cases: The Rest of the First Affirmative Defense: Consults are free, even if you are asking general foreclosure questions. Statute of limitations, statute of repose, and laches are affirmative defenses which (Rel.1-3/05 Pub.1366) Understanding the Statutes of Limitations and Repose3 . 462 So.2d 1178, (FLA. 3d DCA 1985). 2d 297, 299 (Fla. 3d DCA 1982)(An indispensable party [is] one without whom the rights of others cannot be determined.). For example, in a foreclosure complaint the plaintiff will charge that you haven't been paying your mortgage and they're entitled to foreclose because of that. 1:12-cv-01963 (Northern District of Illinois 2012) . al., 462 So.2d 1178, (FLA. 3d DCA 1985). Free Previews available. Given the ready availability of foreclosure answer forms on the internet, it should be relatively simple for any homeowner to download foreclosure defense forms and thereby preserve their legal rights. Failure to bring a foreclosure lawsuit within 5 years from the date of default will result in dismissal. 3d 1009, 1019 (Fla. 2016) ([W]ith each subsequent default, the statute of limitations runs from the date of each new default providing the mortgagee the right, but not the obligation, to accelerate all sums then due under the note and mortgage.). Under the terms of HOEPA, if its provisions are not followed to the letter by the lender, then the borrower has a defense and has a right to rescind the loan. All rights reserved. 3d 170, 173 (Fla. 4th DCA 2012). In Florida, foreclosure defenses (for residential foreclosures) can be categorized into three different arguments. Ct. App. Sackrin & Tolchinsky, P.A. An indispensable party is one whose interest in the controversy makes it impossible to completely adjudicate the matter without affecting either that partys interest or the interests of another party in the action. Typically you will reference previously ruled court cases to help your defense. Affirmative Defenses to plaintiffs Complaint, and in support thereof states the following: Defendants expressly, directly and explicitly deny any right to foreclose in its. COMPANY, AS TRUSTEE FOR MORGAN CASE NO: 07-xxxx-CA This field is for validation purposes and should be left unchanged. The plaintiff must also demonstrate that it holds the note and mortgage at the time of the trial. foreclosure answer and affirmative defenses, 100% found this document useful (11 votes), 100% found this document useful, Mark this document as useful, 0% found this document not useful, Mark this document as not useful, Save foreclosure answer and affirmative defenses For Later, IN THE CIRCUIT COURT OF THE FIFTH JUDICIAL CIRCUIT. Nor can Defendant, as it does in its twenty-second and thirty-first defenses, state that Plaintiff . Under the National Housing Act (12 U.S.C. Find out why the average homeowner generally does not have the resources available to defend against foreclosure without an attorney. mjk funeral home obituaries; san jose state university graduate programs deadlines Men umschalten. Citigroup Mortg. During the past several years, courts throughout the country have dismissed foreclosure cases where the foreclosing plaintiff has not been able to establish by submitting competent and admissible evidence that it actually owns the note that it is attempting to foreclose. x%9)&s`]_g=^,zjlguDQ$EOo{miog{?/ooO])k[P*%t{%kX?gd7q?~MmW?l{,?g9gAr-~G~?m-?U~i{mgoKWr:enX>Z3d.1,o/6(K[)+dn~c=tmYlO)n~\5+&96iY#go{,pXj9kYZo}{vy%C}ZD}txopv R2R2i3Fox{`Cg?}=#%L|=~_kmL~zkKYcou2trijln5Yi:&.};j{nO\h5:tg23d>IP%*vBx. Other states have similar notice requirements. Commonly, any CC&R governing an HOA must contain certain provisions to provide how and when the association may foreclosure an individuals property. All Rights Reserved. Do you have questions or comments? Failure to prove standing at the time of filing the foreclosure lawsuit will result in the foreclosure lawsuit being dismissed. Answer 3 quick questions to see if you have a foreclosure defense case. 1957). 15 U.S.C. Over time, Florida courts have built legal principles consisting of equity defenses which apply both in standard contract cases as well as in foreclosure actions. mortgage and note, and other such relief that this court deems proper. 462 So.2d 1178, (FLa. 3d DCA 1985). Kiefert v. Nationstar Mortg., LLC, 153 So. That was just one case ruling example. Homeowners answering a foreclosure summons should consider substantial and powerful affirmative defenses to foreclosure that have evolved during course of America's prolonged foreclosure crisis. An affirmative defense in a civil lawsuit is a fact that defeats or mitigates the consequences of a charge. SACKRIN & TOLCHINSKY To succeed on this defense, the borrower must show that it relied on the plaintiffs misconduct, and suffered an injury. If the lender proceeds to file a foreclosure lawsuit, the borrower can raise this fact as an equitable estoppel defense if 1) he or she raises the defense in its answer and 2) can prove to the court that the bank has accepted the late payments. Besides, the HOA also can record the lien with the county recorder to provide public notice that the claim exists (although there is no specific requirement for it). Answer & Affirmative Defenses - TO PLAINTIFF'S COMPLAINT/MARLON WALTERS If either of these documents is not attached to the document, or if they are incomplete in any way, then the procedural rules have not been met. Plaintiff does not have standing to bring this action. Unclean hands is an equitable defense that may be used to prevent a bank from foreclosure. Referencing case law and previously ruled cases is another important part when creating your affirmative defenses. fraudstoppers.org/22-affirmative-foreclosure-defenses/, Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/15.5 Safari/605.1.15. Adding Affirmative Defenses When Responding to a Foreclosure Summons. 20TH JUDICIAL CIRCUIT IN AND 21st Mortg. Fraudulent Construction Liens: Willful Exaggeration - The Florida Bar How can it help me stop foreclosure? The Mortgage clearly states that, MERS is the mortgagee. With mortgagee being synonymous with lender, this statement acts to establish MERS as the original lender, rendering them a necessary and indispensable party to this action. All foreclosures in Florida must be brought within five years from the date of default. Call us today at 954-807-1361 or contact our . The disclosures must be given at least 72 hours before closing on the loan. Adding Affirmative Defenses When Responding to a Foreclosure Summons 0 0 Less than a minute. A contractor who complies with the provisions of the Florida Mechanics Lien Law, F.S. Shahar v. Green Tree | Fla. 4th DCA - Unclean Hands Doctrine 702.01. However, proving fraud is not easy to do because the elements of fraud must be proven with particularity. If you write that 50% of all homes in Florida are in foreclosure, readers would want to know where you got that number from. The server must initial the copies given (served) to the borrower. The notice required under this statute must be sent to the homeowner within 30 days of the assignment. Where did this person get a standing claim for the $20.00 you owe your friend? See, e.g., our past success using this foreclosure defense against Bank of America in Florida Foreclosure Appeal on The Issue of Standing; Victory Against Bank of America.. Some of the law firms that handled the largest volume of foreclosures several years ago have been forced out of business. The notice to the homeowner must indicate the action required to cure the default and provide at least 30 days to cure the default before the bank can initiate foreclosure. 2100 East Hallandale Beach Blvd./Suite 200 The amount due can vary depending on if the bank has filed foreclosure (thus, incurring attorney fees, costs, and additional interest expenses) or if it has accelerated the loan. Was There A Legal Right To Accelerate The Debt? Discussion: 3.03 3.03[2] Necessity of Pleading the Defense. Nava basically says yes he can sue on my behalf. Some of the common defenses to foreclosure include: lack of standing; failure to provide required notice of default; statute of limitations; and unclean hands. In such situations, the banks may not be able to establish that they have standing to foreclose. Millions of such transfers were marred by sloppy record keeping and inattention to legal requirements on the part of banks and corporate lawyers. 1987), appeal after remand, 526 So.2d 772 (Fla. 3d DCA 1988). Adam Smith Enterprises, Inc. v. Barnes, 539 So.2d 549 (Fla. 2d DCA 1989). Neither the exhibits attached to Plaintiffs Complaint nor the allegations of the Complaint are sufficient to demonstrate standing. Hence, all associated homeowners need to pay monthly fees (dues) and assessments to the HOA, an acronym for homeowners association, as a way to cover all costs. on the note and mortgage, interest from June 1, 2010, late charges, all costs of, collection including title search expenses for ascertaining necessary parties to, this actions, unpaid taxes, insurance premiums, accumulated late charges and, foreclosure of the mortgage have been performed or have occurred and, therefore the allegations are expressly, directly and explicitly denied and, regarding plaintiffs obligations concerning its attorney fees and therefore the, demanded thereon. Sign up for our complimentary monthly newsletter and receive practical tips and information regarding developments in the fast-paced world of real estate law. A homeowner can tender payment to the bank as a way of defending against a Florida foreclosure lawsuit. A homeowner may also allege, as an affirmative defense to foreclosure, that any alleged assignment of the mortgage was cone without compliance with the mandatory notice provisions imposed upon lenders under federal law to effectuate an assignment of a residential mortgage. The clear language in the mortgage names MERS as a mortgagee; this would, at the very least, create and ambiguity pertaining to a material fact upon which Plaintiffs claim is based. PLANTIFF DOES NOT HAVE STANDING PLAINTIFF IS NOT REAL PARTY IN INTEREST: 2. DEFENDANTS ROBERT V. OAKLEYS ANSWER AND AFFIRMATIVE DEFENSES COMES NOW, Defendant, Robert V. Oakley, and for their Answer and Affirmative Defenses to plaintiffs Complaint, and in support thereof states the following: 1. Nopal argued that Kumar did not have standing to sue because there is a Florida statue that says the risk of loss or damage as passed to the buyer (Nava) after items are sold. Ct. App. Plaintiff, The Defendants, De.O and Do.O, assert the following affirmative defenses to Plaintiffs claim: 1. Unfortunately, these technical defaults become the basis for some foreclosure lawsuits on the theory that the banks interest is being impaired. During the past five years, state legislatures, courts, and government agencies have acted to protect homeowners from the consequences of abusive lending and mortgage practices. Accordingly, lenders should avoid unscrupulous practices, overreaching, concealment, trickery, or other unconscientious conduct.. InFlorida, residents who live in a planned development and who do not pay the required fees/assessments required by the HOA are exposed to the risk of home foreclosure. Florida; Broward County Circuit Courts; Banif Finance (USA) Corp Plaintiff vs. Temple Messianique, Inc, et al Defendant; reply-to-amended-affirmative-defenses-motion-to-strikeparty-plaintiff-banif-finance-usa-corp . If you found this information helpful, please share this article and bookmark it for your future reference. The common affirmative defenses are fraud, undue influence, lack of notice required under the mortgage, standing, payment, and duress. Florida is a judicial foreclosure state, which means that the bank must go to court and receive court approval before foreclosing on a home. Sample Affirmative Defenses and counterclaim - Free download as Word Doc (.doc), PDF File (.pdf), Text File (.txt) or read online for free. If the mortgage has changed hands between financial institutions (one bank sells the loan to another), then there needs to be proper corresponding assignments of the mortgage and endorsements to the note (or the Allonge). Neither the exhibits attached to Plaintiffs Complaint nor the allegations of the Complaint are sufficient to demonstrate standing. Defendants, De.O and Do.O denies the substantive allegations of the complaint including, but not limited to, paragraphs 2, 3, 4, 5, 7, 8, 9, 11, and 12. 2023 Empire State Legal Forms, Inc. - All Rights Reserved. 3d 317, 319 (Fla. 4th DCA 2018) (Giving a notice of default is a condition precedent to foreclosure in most residential mortgages.). Here, things like failure to give the requisite notice, or service of process, can result in the dismissal of the proceedings. al.. foreclosure cases decreased by 52 percent, from 94 percent in Fiscal Year 2005-2006 . Procedural And Due Process Failures As A Valid Foreclosure Defense, Meyerson v. Boyce, 97 So.