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  • Depo Tawnya Schoolitz in Re BAC HAMP Contract USD MA

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    Q. BY Mr. BROWN: And is it your understanding that each of these trial plan payments were applied as partial payments because they were less than the total amount due? MR. MCGARRY: Objection. Lack of foundation. THE WITNESS: Yes. Q. BY MR. BROWN: And the difference between the partial payment and the total amount due, total amount due was added to the indebtedness, was it not? MR. MCGARRY: Objection to the form and foundation. THE WITNESS: Yes. Q. BY MR. BROWN: And adding it to the indebtedness would increase the forbearance amount ultimately in a modification? MR. MCGARRY: Objection to the form. THE WITNESS: Yes. . BY MR. BROWN: So a borrower--the longer a borrower stayed in the trial plan, the greater amount of the forbearance that Bank of America was considering itself to have to make with a permanent modification? MR. MCGARRY: Objection to the form and foundation. THE WITNESS: Yes. Q. BY MR. BROWN: And that could lead --ultimately, it could lead to a finding of excessive forbearance, if the amount got high enough -- MR. MCGARRY: Objection to the form. MR. BROWN: -- month after month? MR. MCGARRY: Excuse me. Objection to the form. Improper hypothetical. THE WITNESS: Yes.

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    120509 - Depo Tawnya Schoolitz in Re BAC HAMP Contract USD MA

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    Q. BY Mr. BROWN: And is it your understanding that each of these trial plan payments were applied as partial payments because they were less than the total amount due? MR. MCGARRY: Objection. Lack of foundation. THE WITNESS: Yes. Q. BY MR. BROWN: And the difference between the partial payment and the total amount due, total amount due was added to the indebtedness, was it not? MR. MCGARRY: Objection to the form and foundation. THE WITNESS: Yes. Q. BY MR. BROWN: And adding it to the indebtedness would increase the forbearance amount ultimately in a modification? MR. MCGARRY: Objection to the form. THE WITNESS: Yes. . BY MR. BROWN: So a borrower--the longer a borrower stayed in the trial plan, the greater amount of the forbearance that Bank of America was considering itself to have to make with a permanent modification? MR. MCGARRY: Objection to the form and foundation. THE WITNESS: Yes. Q. BY MR. BROWN: And that could lead --ultimately, it could lead to a finding of excessive forbearance, if the amount got high enough -- MR. MCGARRY: Objection to the form. MR. BROWN: -- month after month? MR. MCGARRY: Excuse me. Objection to the form. Improper hypothetical. THE WITNESS: Yes.

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    116 views10 pages

    Depo Tawnya Schoolitz in Re BAC HAMP Contract USD MA

    Uploaded by

    Mike_Dillon
    Q. BY Mr. BROWN: And is it your understanding that each of these trial plan payments were applied as partial payments because they were less than the total amount due? MR. MCGARRY: Objection. Lack of foundation. THE WITNESS: Yes. Q. BY MR. BROWN: And the difference between the partial payment and the total amount due, total amount due was added to the indebtedness, was it not? MR. MCGARRY: Objection to the form and foundation. THE WITNESS: Yes. Q. BY MR. BROWN: And adding it to the indebtedness would increase the forbearance amount ultimately in a modification? MR. MCGARRY: Objection to the form. THE WITNESS: Yes. . BY MR. BROWN: So a borrower--the longer a borrower stayed in the trial plan, the greater amount of the forbearance that Bank of America was considering itself to have to make with a permanent modification? MR. MCGARRY: Objection to the form and foundation. THE WITNESS: Yes. Q. BY MR. BROWN: And that could lead --ultimately, it could lead to a finding of excessive forbearance, if the amount got high enough -- MR. MCGARRY: Objection to the form. MR. BROWN: -- month after month? MR. MCGARRY: Excuse me. Objection to the form. Improper hypothetical. THE WITNESS: Yes.

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    of 10

    Case 1:10-md-02193-RWZ Document 210-8 Filed 06/07/13 Page 1 of 10

    Exhibit 8

    Case 1:10-md-02193-RWZ Document 210-8 Filed 06/07/13 Page 2 of 10

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