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InTheSuperiorCourtofCarrollCountyOtisWaynePhillipsStateofGeorgiaVsu.S.Bank,NAOrderDenyingDefendant'sMotiontoDismissSometimes,onlythecourtsoflawstandtoprotectthetaxpayer.Somewhere,someonehastostandup.Well,sometimesisnow,andtheplaceistheGreatStateofGeorgia.Thedefendant'smotiontodismissisherebydenied.Thecourtfindsthefollowingtobethefactsandlawapplicabletothis
motion:
1.-OtisPhillipsisbehindonhishousepaymentsandisingravedangerofforeclosure.-TheUnitedStatesGovernmentpaidtaxpayerdollarstothelargestofourfinancialinstitutions,andtotheEuropeanUnionBanks,inordertoprop
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-TwentyBillionofthosedollarswerehandedovertothedefendant,D.S.Bank.-D.S.BankagreedtoparticipateintheD.S.Government'sHAl\1Pprogramtohelpstrugglinghomeowners.-D.S.BanksignedaServiceParticipationAgreement(SPA),inwhichthebailedoutbankagreedtocomplywiththeHAMPGuidelinesforloanmodification.-TheHAl\1PguidelinesrequireU.S.Banktoperformmodificationservicesforallmortgageloansitservices.-OtisPhillipsappliedtomodifyhismortgagewithD.S.Bank.-D.S.Bankdeniedtherequest,withoutnumbers,figures,orexplanation,reasoning,comparisontotheguidelines,oranything.U.S.BankwouldnotrevealtoMr.Phillipshowhisincome,orhishouse,orhisexpenseswouldmakehimineligibleaccordingtoRAMPguidelines.(ThiscourtcannotimaginewhyU.S.BankwillnotmakeknowntoMr.Phillips,ataxpayer,howhisnumbersputhimoutsidethefederalguidelinestoreceivealoanmodification.Taking$20BillionoftaxpayermoneywasnoproblemforU.S.Bank.Acynicaljudgemightbelievethatthisentiremotiontodismissisadesperateattempttoavoidthediscoveryperiod,
2
 
whereU.S.BankwouldhavetotellMr.Phillipshowhisfinancialsituationdidnotqualifyhimforamodification.Or,perhapshe
was
qualified,yetdidn'treceivethemodification,inviolationofU.S.Bank'sServiceParticipationAgreement(SPA).Acynicaljudgemightthinkthat,ifthe
guidelines
clearlypreventedMr.Phillipsfromgettinghismodification,thenU.S.Bankwouldhavetrottedoutthatfactinmathematicequations,piecharts,andbargraphs,allon8by10glossyphotopaper,withcirclesandarrowsandparagraphsonthebackexplainingeachwinningnumber.
1
U.S.Bank'ssilenceonthisissuemightheightenthesuspicionsofsuchacynicaljurist.I,ontheotherhand,amsurethatnothingofthesortcouldbetrue.MaybeU.S.Banknolongerhasanyofthe$20billiondollarsleft,andsotheirlackofwrittenexplanationmightbeattributedtosomekindofinkreductionprogramtosavemoney.I'msurethereisaperfectlyreasonableexplanationforwhytheU.S.BankwillnotprintouttheONEpageoffiguresthatshowMr.Phillip'sfinancialscomparedtotheRAMPguidelinestoclearallthisup.)
)ApologiestoArloGuthrie,Alice'sRestaurant3
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