Crlalnal eLlLlon for Wronaful loreclosure

1
CA5L NC ___________________


nCLL nLLM5 1nL DI51kIC1 CCUk1 CI
LAIN1III

V

MCk1GAGL LLLC1kCNIC MCN1GCMLk CCUN1 1LkA5
kLGI51kA1ICN 551LM5 INC
A5 NCMINLL ICk LLNDLk AND
LLNDLk'5 5UCCL55Ck5 AND
A55IGN5 AND 8ANk CI AMLkICA NA _________ IUDICIAL DI51kIC1
51LnLN C Ck1Lk AND AN1nCN
WADDLLL AND CN1nIA DUkAN1ICCk
AND ICnN DCL 1100 DLILNDLN15 IUk 1kIAL kLCUL51LD


LAIN1III'5 CkIGINAL L1I1ICN ICk WkCNGIUL ICkLCLC5UkL AND
ALICA1ICN ICk 1LMCkAk kL51kAINING CkDLk AND INIUNC1IVL
kLLILI

1C 1nL nCNCkA8LL IUDGL CI 5AID CCUk1
CCML NCW lalnLlff Pollv Pelms who flles Lhls Crlalnal eLlLlon for Wronaful
loreclosure And AppllcaLlon lor 1emporarv 8esLralnlna Crder And ln[uncLlve 8ellef ln Lhe
lnLeresL of [usLlce and falrness and ask Lhls Ponorable CourL Lo flnd ln favor of Lhe lalnLlff and
aaalnsL uefendanLs MorLaaae LlecLronlc 8ealsLraLlon SvsLems lnc as nomlnee for Lender and
Lender's Successors and Asslans and 8ank of Amerlca nA and SLephen C orLer an lndlvldual
and AnLhonv Waddell an lndlvldual and CvnLhla uuranLloor an lndlvldual and !ohn uoe 1100
reaardlna lalnLlff's clalms of Wronaful loreclosure as sLaLed hereln and ln supporL Lhereof
show unLo Lhe CourL Lhe followlna
Crlalnal eLlLlon for Wronaful loreclosure
2
CA5L NC ___________________


nCLL nLLM5 1nL DI51kIC1 CCUk1 CI
LAIN1III

V

MCk1GAGL LLLC1kCNIC MCN1GCMLk CCUN1 1LkA5
kLGI51kA1ICN 551LM5 INC
A5 NCMINLL ICk LLNDLk AND
LLNDLk'5 5UCCL55Ck5 AND
A55IGN5 AND 8ANk CI AMLkICA NA _________ IUDICIAL DI51kIC1
51LnLN C Ck1Lk AND AN1nCN
WADDLLL AND CN1nIA DUkAN1ICCk
AND ICnN DCL 1100 DLILNDLN15 IUk 1kIAL kLCUL51LD


LAIN1III'5 CkIGINAL L1I1ICN ICk WkCNGIUL ICkLCLC5UkL AND
ALICA1ICN ICk 1LMCkAk kL51kAINING CkDLk AND INIUNC1IVL
kLLILI

1C 1nL nCNCkA8LL IUDGL CI 5AID CCUk1
CCML NCW lalnLlff Pollv Pelms who flles Lhls Crlalnal eLlLlon for Wronaful
loreclosure And AppllcaLlon lor 1emporarv 8esLralnlna Crder And ln[uncLlve 8ellef ln Lhe
lnLeresL of [usLlce and falrness and ask Lhls Ponorable CourL Lo flnd ln favor of Lhe lalnLlff and
aaalnsL uefendanLs MorLaaae LlecLronlc 8ealsLraLlon SvsLems lnc as nomlnee for Lender and
Lender's Successors and Asslans and 8ank of Amerlca nA and SLephen C orLer an lndlvldual
and AnLhonv Waddell an lndlvldual and CvnLhla uuranLloor an lndlvldual and !ohn uoe 1
100 reaardlna lalnLlff's clalms of Wronaful loreclosure as sLaLed hereln and ln supporL
Lhereof show unLo Lhe CourL Lhe followlna
Crlalnal eLlLlon for Wronaful loreclosure
3
DI5CCVLk CCN1kCL ANLL LLVLL
1 ursuanL Lo 8ule 1901 of Lhe 1exas 8ules of Clvll rocedure lalnLlff lnLends Lo conducL
dlscoverv ln Lhls case under Level 3
Ak1IL5 AND 5LkVICL
2 lalnLlff Pollv Pelms ls an lndlvldual whose malllna address ls 3610 Carrlson 8un urlve
Sprlna 1exas 77386 1he lasL Lhree dlalLs of Pollv Pelm's drlver's llcense number ls 227
and Lhe lasL Lhree of her soclal securlLv number are 141
3 uefendanL MorLaaae LlecLronlc 8ealsLraLlon SvsLems lnc as nomlnee for Lender and
Lender's Successors and Asslans ls a lorelan lorroflL CorporaLlon and mav be served
aL 1818 Llbrarv SLreeL SulLe 300 8esLon vA 20190 Servlce on Lhls defendanL mav be
affecLed bv personal servlce or CerLlfled Mall 8eLurn 8ecelpL 8equesLed
4 uefendanL 8AC Pome Loans Servlclna L lormerlv known As CounLrvwlde Pome Loans
Servlclna L ls a naLlonal 8anklna companv who mav be served bv and Lhrouah lLs
realsLered aaenL 7103 CorporaLe urlve 1x833 lano 1x 73024 Servlce on Lhls
defendanL mav be affecLed bv personal servlce or CerLlfled Mall 8eLurn 8ecelpL
8equesLed
3 uefendanL SLephen C orLer ls an lndlvldual who mav be served aL 13000 Survevor 8lvd
SulLe 100 Addlson 1exas 73001 Servlce on Lhls defendanL mav be effecLed bv personal
or CerLlfled Mall 8eLurn 8ecelpL 8equesLed
6 uefendanL AnLhonv Waddell ls an lndlvldual who mav be served aL 13000 Survevor 8lvd
SulLe 100 Addlson 1exas 73001 Servlce on Lhls defendanL mav be affecLed bv personal
or CerLlfled Mall 8eLurn 8ecelpL 8equesLed
Crlalnal eLlLlon for Wronaful loreclosure
4
7 uefendanL CvnLhla uuranLloor ls an lndlvldual who mav be served aL 13000 Survevor
8lvd SulLe 100 Addlson 1exas 73001 Servlce on Lhls defendanL mav be affecLed bv
personal or CerLlfled Mall 8eLurn 8ecelpL 8equesLed
IUkI5DIC1ICN AND VLNUL
8 1he sub[ecL maLLer ln conLroversv ls wlLhln Lhe [urlsdlcLlonal llmlLs of Lhls CourL
9 1hls CourL has personal [urlsdlcLlon because Lhe properLv whlch ls Lhe sub[ecL of Lhls
llLlaaLlon ls locaLed ln 1exas and uefendanLs are dolna buslness wlLhln Lhls sLaLe
10venue ln Lhls cause ls proper ln MonLaomerv CounLv 1exas pursuanL Lo SecLlon 1736 of
Lhe 1exas 8uslness and Commerce Code and under SecLlon 13001 of Lhe 1exas Clvll
racLlce and 8emedles Code because Lhls acLlon lnvolves real properLv and Lhe
properLv ls locaLed ln MonLaomerv CounLv 1exas
IAC15
11lalnLlff was Lhe record owner of Lhe properLv LhaL ls locaLed aL 3610 Carrlson 8un
urlve Sprlna 1exas 77386 more speclflcallv descrlbed as MCn1CCML8? LC1 LlCP1 (8)
ln 8LCCk 1P8LL (3) Cl LLCLnuS 8un SLC1lCn Slx (6) A Su8ulvlSlCn ln
MCn1CCML8? CCun1? 1LxAS ACCC8ulnC 1C 1PL MA C8 LA1 1PL8LCl
8LCC8uLu ln CA8lnL1 Z SPLL1 224 Cl 1PL MA 8LCC8uS Cl MCn1CCML8?
CCun1? 1LxAS
12lalnLlff alleaedlv slaned a romlssorv noLe ln order Lo purchase Lhe properLv locaLed aL
3610 Carrlson 8un urlve Sprlna 1exas on !ulv 27 2007 wlLh CounLrv k8 Pome Loans A
CounLrvwlde MorLaaae venLures LLC Serles wlLh Lhe loan number 163367243 ALLached
as LxhlblL A"
Crlalnal eLlLlon for Wronaful loreclosure
3
13lalnLlff alleaedlv slaned a ueed of 1rusL as securlLv for Lhe noLe on !ulv 27 2007 wlLh
CounLrv k8 Pome Loans A CounLrvwlde MorLaaae venLures LLC Serles whlch was
alleaedlv recorded ln Lhe offlce of Lhe CounLv Clerk of Lhe ueed of 1rusL 8ecords of
MonLaomerv CounLv 1exas ALLached as LxhlblL 8"
14AL some polnL durlna mv loan mv loan servlclna chanaed over Lo 8AC Pome Loans
Servlclna L lormerlv known As CounLrvwlde Pome Loans Servlclna L no noLlflcaLlon
was recelved [usL one dav l recelved a sLaLemenL from 8AC Pome Loans Servlclna L
lormerlv known As CounLrvwlde Pome Loans Servlclna L sLaLlna LhaL l was Lo pav Lhem
now 8AC Pome Loans Servlclna L lormerlv known As CounLrvwlde Pome Loans
Servlclna L was noL an orlalnal parLv" Lo Lhe orlalnal neaoLlable lnsLrumenL" whlch
borrower" neaoLlaLed 8AC Pome Loans Servlclna L lormerlv known As CounLrvwlde
Pome Loans Servlclna L was a Lhlrd parLv debL collecLor preLendlna Lo be Lhe Lender
8AC Pome Loans Servlclna L lormerlv known As CounLrvwlde Pome Loans Servlclna
L falled Lo adhere Lo Lhe lalr uebL CollecLlon racLlce AcL as all Lhlrd parLv debL
collecLors are requlred Lo do
138arreLL uaffln lrappler 1urner Lnael LL (8u1lL") aaenLs for uefendanLs whose
address ls 13000 Survevor 8lvd SulLe 100 Addlson 1exas 73001 senL lalnLlff a noLlce
of SubsLlLuLe 1rusLee's Sale (Lhe noLlce") daLed AuausL 16 2010 aLLached as LxhlblL
C" hereLo and lncorporaLed as lf sLaLed fullv hereln sLaLlna LhaL a foreclosure sale was
scheduled for SepLember 7 2010 ln MonLaomerv CounLv 1exas 1haL sale occurred as
scheduled kellv !lmenez whose address ls 1300 Survevor 8lvd SulLe 100 Addlson
Crlalnal eLlLlon for Wronaful loreclosure
6
1exas 73001 and whereupon lederal naLlonal MorLaaae AssoclaLlon A/k/A lannle Mae
purchased Lhe sub[ecL properLv aL sald SubsLlLuLe 1rusLee's non!udlclal Sale
16Cn Mav 31 2011 lalnLlff senL vla CerLlfled mall requesLlna ln wrlLlna LhaL Lhe
uefendanLs produce lawful documenLs showlna a valld perfecLed lnsLrumenL exlsLed
1here never was such a producLlon and per publlc records no such documenL could have
been produced 1he facL ls no such lawful documenL (valld perfecLed securlLv
lnsLrumenL) ln Lhls lnsLance could have been offered up Lo prove rlahLs of enforcemenL
bv a foreclosure acLlon bv Lhe uefendanLs ALLached as LxhlblL u"
17Cn !une 3 2011 uefendanLs aaenLs AnLhonv Waddel of 8arreLL uaffln lrappler 1urner
Lnael LL responded Lo lalnLlffs requesL for valldaLlon wlLh a packeL faxed Lo Lhe
aLLornev asslaned Lo me for an evlcLlon case pendlna conslsLlna of coples of an
asslanmenL of deed of LrusL a noLe deed of LrusL appolnLmenL of subsLlLuLe LrusLee
and a leLLer from AnLhonv Waddell ALLached as LxhlblL L"
vALlul1? Cl l8AuuuLLn1L? C8LA1Lu uCCuMLn1S
18As noLed ln Lhe LranscrlpL of Lhe MeeLlna of Lhe 1ask lorce on !udlclal loreclosure 8ules
november 7 2007 (noLe paaes 27 28 and 33) as found on Lhe Supreme CourL of 1exas
webslLe (hLLp//wwwsupremecourLssLaLeLxus/[frLf/pdf/110707LranscrlpLpdf) makes
lssue wlLh addresses and dlscloses Lhe same fraudulenL pracLlces uefendanLs produced
as such fraudulenL documenLs Lo accompllsh Lhelr acLlons Lo wronafullv foreclose on
lalnLlff's properLv 1hls was an unlawful foreclosure ALLached as LxhlblL l"
Crlalnal eLlLlon for Wronaful loreclosure
7
19Cn paae 27 Llnes 622 Mr Mlke 8arreLL of 8arreLL uaffln lrappler 1urner Lnael
sLaLed 1bete teollv lsot socb o Jocomeot" durlna Lhe dlscusslon abouL verlflcaLlon of
appllcaLlon documenLs
20Cn paae 27 Llnes 1020 Mr 8arreLL conLlnue Lo sLaLe ecoose tbe setvlcet osoollv
ocoolteJ tbelt posltloo lo tbe flle tbtooob tbe potcbose of M5ks 1bete ls oo otooolzeJ
motket lo M5ks tbot teollv mokes op move os mocb os 40 to 50 petceot of oov
mottoooe compoovs ossets ooJ tbev ocoolte tbls tbelt stotos of eloo o setvlcet
tbtooob tbe potcbose of oo M5k most of tbe tlme ot tbev JlJ lt tbemselves tbev cteoteJ
tbelt owo looo 5o floJloo o Jocomeot tbot sovs l om tbe owoet ooJ bolJet ooJ l
betev otoot to tbe setvlcet tbe tlobt to foteclose lo mv oome ls lmposslllltv lo 90
petceot of tbe coses
21Cn aae 28 Llnes 820 Ponorable !udae 8ruce rlddv sLaLed AoJ wbot tbe boppeos
lf tbev jost execote o Jocomeot llke Mt 8ottett sovs Joesot exlst? 1bev jost cteote ooe
fot tbe most pott sometlmes ooJ tbe setvlcet sloos lt tbemselves sovloo lts eeo
ttoosfetteJ to wbotevet eotltv tbev oome os oppllcoot
22Cn aae 23 llnes 1623 paae 26 llnes 113 Mr 1ommv 8asLlan of 8arreLL uaffln
lrappler 1urner Lnael LL explalns ML8S Mk5 ls ooloo to e tbe mottoooee of
tecotJ lo ooot 60 petceot of oll looos Mk5 ls ooloo to e tbe mottoooee of tecotJ ot
oll Mk5 ls o teolsttotloo svstem 1bots oll lt ls lt teollv ls o ploovock oo wbot
boppeoeJ lo tbe secotltles motket ock lo tbe eotlv 5eveotles wbeo woll 5tteet wos
exploJloo ooJ ock lo tbose Jovs wbeoevet voo ooobt ooJ solJ stocks ot ooJs voo
boJ to bove o popet cettlflcote well tbe ock tooms coolJot keep op wltb lt ooJ woll
Crlalnal eLlLlon for Wronaful loreclosure
8
5tteet olmost ctoteteJ ooJ tbev come op wltb o ook eottv svstem tbot evetvoJv ls
fomlllot wltb toJov wbete looos ote ooobt ooJ solJ ooJ tbots oslcollv wbot Mk5 ls
lts jost o llstloo of wbo bos oll eoeflclol owoetsblp lotetest lo o mottoooe ooJ tbot
ooloo to e tbe lovestot lts ooloo to e tbe mottoooe setvlcet lts ooloo to e tbe so
setvlcet lt olves voo foot ot flve slx pleces of cottoototloo lofotmotloo ooot tbe
ottowet ooJ tbot pottlcolot looo l meoo lt bos tbe Jetoll oo tbelt stotos sbeet tbot
sovs 1bls ls wbeo tbe looo wos moJe bete ls tbe ottowet ooJ betes tbe omooot of
tbe looo l meoo oll tbot lofotmotloo ls tlobt tbete so lo tbe ttoosoctloo ooJ tbots tbe
wov tbe wotlJs ooloo so move tbots kloJ of tbe ploce we oeeJ to e ooloo
23lalnLlff has Lherefore been requlred Lo expend Llme and efforL Lo defend an acLlon LhaL
had no leaal basls ln reaards Lo Lhe orlalnal lenders unsecured uebL
24A 8roken Chaln of AsslanmenLs rendered Lhe ueed of 1rusL" vold and unenforceable
under uCC 3201 3204 3302 Lherefore no acLlvaLlon of Lhe ower of Sale" clause
ln Lhe ueed of 1rusL" was allowed or was lawful accordlna Lo 1exas laws
8llu8CA1lCn Cl C8lClnAL LLnuL8S SLCu8Lu uL81LCSS Cl
L8lLC1lCn Cl 1PL SLCu8l1? lnS18uMLn1
23lalnLlff as aranLor orlalnallv recorded alleaed ueed of 1rusL lnsLrumenL # 207093421 ln
MonLaomerv CounLv publlc records Lo Lhe aranLee CounLrv k8 Pome Loans A
CounLrvwlde MorLaaae venLures LLC Serles per Lhe 1exas Local CovernmenL Code
chapLer 192 secLlon 001 whlch sLaLes Sec 192001 CLnL8AL l1LMS 1he counLv clerk
shall record each deed morLaaae or oLher lnsLrumenL LhaL ls requlred or permlLLed bv
law Lo be recorded ALLached as LxhlblL 8"
Crlalnal eLlLlon for Wronaful loreclosure
9
26uefendanLs aLLempLed Lo aaln conLrol of Lhe securlLv lnsLrumenL wlLhouL Lhe proper
neaoLlaLlon of Lhe noLe Lo Lhe uefendanL and Lhelr clalm of ownershlp of Lhe securlLv
lnsLrumenL ls wlLhouL merlL 1he Lrue facL ls LhaL aL Lhe Llme ML8S clalmed ownershlp Lo
Lhe securlLv lnsLrumenL perfecLlon of Lhe llen had been losL due Lo blfurcaLlon
27uefendanLs aLLempL of an asslanmenL of Lhe morLaaae LhaL was alreadv blfurcaLed bv
Lhe orlalnal lender back Lo Lhe noLe was noL ln compllance wlLh llen perfecLlon
accordlna Lo 1exas Local CovernmenL Code chapLer 192 secLlon 007 whlch sLaLes Sec
192007 8LCC8uS Cl 8LLLASLS Anu C1PL8 AC1lCnS (a) 1o release Lransfer asslan
or Lake anoLher acLlon relaLlna Lo an lnsLrumenL LhaL ls flled realsLered or recorded ln
Lhe offlce of Lhe counLv clerk a person musL flle realsLer or record anoLher lnsLrumenL
relaLlna Lo Lhe acLlon ln Lhe same manner as Lhe orlalnal lnsLrumenL was requlred Lo be
flled realsLered or recorded 1he facL ls Lhere has been no leaal flllna Lransferrlna llen
rlahLs
28uefendanLs ALLornevlnlacL SLephan C orLer who ls also counsel for 8arreLL uaffln
lrappler 1urner Lnael LL slaned Lhe AppolnLmenL of SubsLlLuLe 1rusLee Lo kellv
!lmenez c/o 8arreLL uaffln lrappler 1urner Lnael LL on CcLober 1 2009 and
recorded as lnsLrumenL # 2009107917 on november 23 2009 ln MonLaomerv CounLv
publlc records buL lacked Lhe leaal auLhorlLv Lo execuLe such acLlon as CounLrv k8 Pome
Loans A CounLrvwlde MorLaaae venLures LLC Serles per publlc records would sLlll be
Lhe correcL parLv Lo Lhe recorded lnsLrumenL ALLached as LxhlblL C"
29uefendanLs AsslsLanL SecreLarv SLephan C orLer who ls also llsLed as counsel for
8arreLL ueffln lrappler 1urner Lnael LL recorded lnsLrumenL # 2009091862
Crlalnal eLlLlon for Wronaful loreclosure
10
AsslanmenL of noLe and ueed of 1rusL" from ML8S Lo 8AC Pome Loans Servlclna L
lormerlv known As CounLrvwlde Pome Loans Servlclna L on SepLember 28 2009 wlLh
and effecLlve daLe of asslanmenL" ln AuausL 21 2009 wlLhouL leaal auLhorlLv Lo do so
ALLached as LxhlblL P"
301hrouah Lhe acLlons of SLephan C orLer AsslsLanL SecreLarv of ML8S Lhe asslanmenL of
morLaaae recorded as lnsLrumenL # 2009091862 ln MonLaomerv CounLv publlc records
ls Lhe proof needed Lo show separaLlon of Lhe securlLv lnsLrumenL from Lhe neaoLlable
lnsLrumenL had occurred Lherefore Lhe orlalnal lenders secured debL was rendered
unsecured Lhe securlLv lnsLrumenL belna a nulllLv and ls ouL of reach of Lhe neaoLlable
lnsLrumenL
311he blfurcaLlon of Lhe noLe and securlLv lnsLrumenL resulLed ln Lhe orlalnal lenders
securlLv lnsLrumenL belna unenforceable and Lhe power of sale clause conLalned Lhe
nulllfled securlLv lnsLrumenL unenforceable 1herefore Lhe LrusLee sale of Lhe lalnLlff's
properLv was noL lawful
321he asslanmenL of morLaaae execuLed bv ML8S from ML8S Lo 8AC Pome Loans
Servlclna L lormerlv known as CounLrvwlde Pome Loans Servlclna L was noL proper
Lo Lhe chaln of LlLle ML8S could noL acknowledae an asslanmenL of Lhe morLaaae
CounLrv k8 Pome Loans A CounLrvwlde MorLaaae venLures LLC Serles as Lhe holder of
Lhe noLe was Lhe onlv proper parLv wlLh auLhorlLv Lo asslan Lhe noLe and lf a valld
perfecLed llen had exlsLed such asslanmenL of morLaaae and upon flllna ln publlc records
such asslanmenL of morLaaae would have been perfecLed ln a subsequenL parLled name
aL whlch Lhe securlLv lnsLrumenL Lhen would have followed Lhe noLe
Crlalnal eLlLlon for Wronaful loreclosure
11
33AlLhouah CounLrvwlde k8 Pome Loans A CounLrvwlde MorLaaae venLures LLC Serles
mav clalm recordaLlon of Lhe asslanmenL of Lhe morLaaae" whlch reflecLs Lhe
neaoLlable lnsLrumenL are noL a requlred acLlon ln reaards Lo Lhe 1exas 8uslness and
Commerce Code and Lhe 1exas roperLv Code CounLrvwlde k8 Pome Loans A
CounLrvwlde MorLaaae venLures LLC Serles ML8S and 8AC Pome Loans Servlclna L
lormerlv known As CounLrvwlde Pome Loans Servlclna L have falled Lo revlew Lhe
securlLv lnsLrumenL"(ueed of 1rusL) SecLlon 14 (Covernlna Laws SeverablllLv)" 1hls
SecurlLv lnsLrumenL shall be aoverned bv lederal law and Lhe law of Lhe [urlsdlcLlon ln
whlch Lhe properLv ln locaLed" ML8S and/or 8AC Pome Loans Servlclna L lormerlv
known as CounLrvwlde Pome Loans Servlclna L clalms LhaL compllance ls noL requlred
ls also mlsplaced
34Accordlna Lo 1exas Local CovernmenL Code 192007 CounLrvwlde k8 Pome Loans A
CounLrvwlde MorLaaae venLures LLC Serles dld have a duLv Lo record an asslanmenL of
Lhe morLaaae ln publlc records lf such asslanmenL had occurred Lhe ML8S and 8AC
Pome Loans Servlclna L lormerlv known as CounLrvwlde Pome Loans Servlclna L
would have had a duLv Lo record anv subsequenL asslanmenL of Lhe morLaaae
33ML8S nor 8AC Pome Loans Servlclna L lormerlv known as CounLrvwlde Pome Loans
Servlclna L had anv leaal auLhorlLv Lo foreclose on 8orrower's" real properLv due Lo
Lhe separaLlon or blfurcaLlon of Lhe neaoLlable lnsLrumenL and Lhe securlLv lnsLrumenL
361he asslanmenL of Lhe morLaaae bv ML8S was an unlawful aLLempL Lo asslan Lhe
morLaaae Lo lndebLedness ln an aLLempL Lo unlawfullv obLaln real properLv 1hls acLlon
Crlalnal eLlLlon for Wronaful loreclosure
12
was an llleaal acLlon Lo Lrv Lo reconnecL Lhe securlLv lnsLrumenL Lo Lhe noLe Lo alve
appearance of a secured lndebLedness buL ln reallLv Lhe lndebLedness ls unsecured
37uefendanLs' have veL Lo produce such documenLs LhaL show a valld lnsLrumenL exlsLs
much less Lhe rlahL Lo enforce Lhelr alleaed lndebLedness lL ls lalnLlff's bellef LhaL Lhe
uefendanLs dld noL have Lhe auLhorlLv Lo foreclose on Lhe properLv and are ln facL noL
Lhe acLual holders of Lhe orlalnal noLe or a properlv perfecLed securlLv lnsLrumenL and
Lherefore uefendanLs are noL enLlLled Lo collecL on a debL Cnlv Lhe orlalnal credlLor
could achleve Lhls
38Cn lnformaLlon and bellef lalnLlff alleaes LhaL uefendanLs were never Lhe acLual
Polder of Lhe Crlalnal noLe or Lhe owner of a valld perfecLed securlLv lnsLrumenL have
never provlded anv proof Lhev were Lhe dulv appolnLed represenLaLlve(s) for Lhe acLual
Polder of Lhe Crlalnal noLe were noL Lhe acLual Polder of Lhe Crlalnal noLe beLween
Lhe Llme Lhe noLlce was lssued and Lhe Llme LhaL Lhe SubsLlLuLe 1rusLee's Sale occurred
and were noL Lhe dulv appolnLed represenLaLlve(s) for Lhe acLual Polder of Lhe Crlalnal
noLe beLween Lhe Llme Lhe noLlce was lssued and Lhe Llme LhaL Lhe SubsLlLuLe 1rusLee's
Sale occurred ln facL CounLrvwlde k8 Pome Loans A CounLrvwlde MorLaaae venLures
LLC Serles has been Lhe acLual Polder of Lhe noLe slnce aL !ulv 27 2007 as lndlcaLed bv
LxhlblL A" aLLached hereLo and lncorporaLed as lf sLaLed fullv hereln 1here ls noLhlna ln
uefendanLs' documenLaLlon or ln Lhe publlc record lndlcaLlna LhaL uefendanLs' are or
have been acLlna wlLh Lhe auLhorlzaLlon of CounLrvwlde k8 Pome Loans A CounLrvwlde
MorLaaae venLures LLC Serles ln Lhls maLLer Accordlnalv uefendanLs dld noL have
Crlalnal eLlLlon for Wronaful loreclosure
13
auLhorlLv Lo foreclose on Lhe properLv and were noL enLlLled Lo collecL on Lhe alleaed
debL

CCUN1 I WkCNGIUL ICkLCLC5UkL
39lalnLlff realleaes and lncorporaLes bv reference Lhe foreaolna alleaaLlons
401he uefendanLs foreclosure acLlon was wronaful 1he ueed of 1rusL ls noL enforceable
due Lo Lhe lack of ownershlp ln Lhe noLe bv Lhe uefendanLs and lf such lawful owner of
Lhe lndebLedness was Lo prove up a proper noLe blfurcaLlon of Lhe noLe and Lhe
securlLv lnsLrumenL has been proved bv an asslanmenL of Lhe morLaaae bv an lnLruslve
nonparLv LhaL was noL Polder ln uue Course"
41A foreclosure acLlon ls merelv a collecLlon acLlon on a neaoLlable lnsLrumenL namelv Lhe
Crlalnal romlssorv noLe A ueed of 1rusL acLs as a securlLv lnsLrumenL for Lhe Crlalnal
romlssorv noLe A foreclosure acLlon ls a collecLlon on Lhe Crlalnal romlssorv noLe
noL on Lhe ueed of 1rusL 1he 1exas 8uslness and Commerce Code sLaLes LhaL onlv a
Polder" of a neaoLlable lnsLrumenL ls enLlLled Lo enforce Lhe neaoLlable lnsLrumenL
8uL lf such securlLv lnsLrumenL ls lnvalld Lhen holder" can onlv pursue Lhe lndebLedness
of Lhe noLe"
42All Lhe documenL relaLlna Lo Lhe foreclosure sale whlch occurred on SepLember 72010
refer Lo Lhe Polder" of Lhe noLe buL uefendanLs have noL shown Lhemselves Lo be sald
Polder and/or Lhe dulv auLhorlzed represenLaLlve of Lhe Polder and even less so have
noL proved LhaL Lhere was a lawful rlahL Lo enforce Lerms wlLhln Lhe securlLv
lnsLrumenL
Crlalnal eLlLlon for Wronaful loreclosure
14
431he noLlce was defecLlve and lnvalld because lL descrlbes Lhe orlalnal morLaaaee as
ML8S and Lhe currenL morLaaaee as 8AC Pome Loans Servlclna L lormerlv known as
CounLrvwlde Pome Loans Servlclna L" Cn lnformaLlon and bellef CounLrvwlde k8
Pome Loans A CounLrvwlde MorLaaae venLures LLC Serles as lender should have been
Lhe beneflclarv and morLaaaee wlLhln Lhe securlLv lnsLrumenL and flled of record whlch
Lhen such securlLv lnsLrumenL would have been properlv perfecLed ln publlc records
1herefore anv noLlce acceleraLlon defaulL or anv oLher noLlce bv defendanLs ls wlLhouL
merlL and lneffecLlve
441o daLe uefendanLs have falled Lo demonsLraLe and cannoL demonsLraLe Lhe proper
allonaes Lransfers and asslanmenLs afflxed Lo Lhe noLe permanenLlv and lrremovablv
as requlred bv Lhe 1exas 8uslness and Commerce Code LhaL are requlred Lo show a
proper chaln endorsemenLs on Lhe face of Lhe noLe whlch should be supporLed bv Lhe
chaln of LlLle flled wlLh publlc records ln facL Lhe alleaed asslanmenL of Lhe morLaaae
flled ln Lhe MonLaomerv CounLv 1exas properLv records and daLed effecLlve AuausL 21
2009 aLLached as LxhlblL P" purporLs Lo asslan Lhe ueed of 1rusL from Lhe asslanor
MorLaaae LlecLronlc 8ealsLraLlon SvsLems lnc as nomlnee for Lender and Lenders
Successors and Asslans Lo Lhe asslanee 8AC Pome Loans Servlclna L lormerlv known
As CounLrvwlde Pome Loans Servlclna L Cn lnformaLlon and bellef CounLrvwlde k8
Pome Loans A CounLrvwlde MorLaaae venLures LLC Serles held Lhe noLe aL LhaL Llme
maklna lL lmposslble for sald asslanmenL Lo represenL Lhe acLual sLaLe of ownershlp and
lmposslble for sald asslanmenL Lo represenL a Lrue and correcL flllna ln Lhe publlc
records
Crlalnal eLlLlon for Wronaful loreclosure
13
43uefendanLs have noL demonsLraLed and cannoL demonsLraLe elLher Lhelr sLaLus as Lhe
Lrue and leaal Polder" of Lhe Crlalnal noLe or Lhelr auLhorlLv Lo conducL Lhe
foreclosure uefendanLs never had a secured debL where Lerms wlLhln Lhe securlLv
lnsLrumenL were enforceable as Lhe lnvalld ueed of 1rusL Lhev used was noL
enforceable
46All uefendanLs have purposefullv lnLenLlonallv and wronafullv lnsLrucLed and carrled
ouL a collecLlon acLlon bv wav of Lhe foreclosure and SubsLlLuLe 1rusLee's non!udlclal
loreclosure Sale ln vlolaLlon of Lhe 1exas llnance Code secLlons 392301(8) and 392304
and oLher varlous SLaLe laws
47upon revlew of lnsLrumenL # 2010081396 SubsLlLuLe 1rusLee's ueed recorded ln
MonLaomerv CounLv ubllc 8ecords on SepLember 13 2009 Lhe affldavlL conLalned
wlLhln sald 1rusLee's ueed ls wrlLLen bv CvnLhla uuranLloor of naLlonal uefaulL
Lxchanae whose address ls 13000 Survevor 8lvd SulLe 100 Addlson 1exas 73001 ls
quesLlonable CvnLhla uuranLloor dld noL have acLual knowledae of Lhe lnformaLlon he
swore Lo ln hls affldavlL ALLached as LxhlblL l"
48Ms uuranLloor clearlv sLaLed 1bls offlJovlt ls moJe wltb tespect to tbe foteclosote of
tbot cettolo ueeJ of 1tost Jote Iolv 27 2007 tecotJeJ lo cletks llle No 2007095421
keol ltopettv kecotJs MON1COMk) coootv 1\A5 execoteJ v ctolo nelms nollv
nelms to C 1ommv 8ostloo 1tostee(s) to secote povmeot of o Note to MOk1CAC
lc1kONlc kCl51kA1lON 5)51M5 lNc (Mk5) A5 NOMlN Crala Pelms and
Pollv Pelms (8orrower) were never obllaaLed Lo make pavmenLs Lo ML8S 1he noLe
Crlalnal eLlLlon for Wronaful loreclosure
16
clearlv sLaLes Lhe 8orrower" Pollv Pelms and Lhe Lender" CounLrvwlde k8 Pome
Loans A CounLrvwlde MorLaaae venLures LLC Serles
49Ms uuranLloor's affldavlL clearlv sLaLes LhaL 8AC Pome Loans Servlclna L as Lhe
morLaaae servlcer ln reference Lo an lnvalld asslanmenL of morLaaae 1hls ls lnaccuraLe
1he servlcer for Lhe borrower" was 8AC Pome Loan Servlclna L unLll Lhe aLLempLed
asslanmenL of morLaaae wlLh Lhe orlalnal lenders unsecured debL ln SepLember 2009
whlch was an aLLempL Lo reconnecL Lhe unsecured debL AL no polnL ln Llme was a
MorLaaae Servlclna AareemenL as requlred bv 8LSA and oLher varlous SLaLe Laws
Powever Lhls was noL an opLlon slnce Lhe orlalnal lenders secured debL was desLroved
ln SepLember 2009
30lL ls lalnLlff's bellef LhaL CvnLhla uuranLloor dld noL have acLual knowledae of noLlce of
defaulL belna served prlor Lo acceleraLlon of Lhe alleaed lndebLedness CvnLhla uuranL
loor dld noL have acLual knowledae of Lhe alleaed morLaaae servlcers obllaaLlon or
duLles belna performed and requlred bv law per hls acknowledaemenL ln sald affldavlL
31lL ls lalnLlff's bellef LhaL Ms uuranLloor mav have had acLual knowledae of Lhe
lnsLrucLlons" from Lhe alleaed morLaaae servlcer he swore Lo ln hls affldavlL buL noL
knowledae of lnformaLlon based on LhaL of Lhe 1rue Polder
32upon revlew of lnsLrumenL # 2010081396 SubsLlLuLe 1rusLee's ueed recorded ln
MonLaomerv CounLv ubllc 8ecords on CcLober 6 2009 Lhe affldavlL conLalned wlLhln
sald 1rusLee's ueed sworn Lo bv CvnLhla uuranLloor of naLlonal uefaulL Lxchanae LL
whose address ls 13000 Survevor 8lvd SulLe 100 Addlson 1exas 73001 lalnLlff
Crlalnal eLlLlon for Wronaful loreclosure
17
belleves elLher a confllcL of lnLeresL or a consplracv has Laken place due Lo all alleaed
parLles resldlna wlLhln Lhe same address and all uslna Lhe same mlslnformaLlon
MLk5 nAD NC AU1nCkI1
3302 PCLuL8 ln uuL CCu8SL
(a) Subiect to subsection (c) and Section 3-106(d), "holder in due course" means the
holder oI an instrument iI:
(1) the instrument when issued or negotiated to the holder does not bear such
apparent evidence oI Iorgery or alteration or is not otherwise so irregular or
incomplete as to call into question its authenticity;

33eIendants did produce a Iorgery or alteration oI an electronic note that was eIIectuated
by electronic means aIter scanning oI the paper tangible into an intangible Iorm that lack
supporting laws. There is a Iorgery or alteration. The electronic note that was produced
lacks any supporting law to exist. ThereIore holder in due course/holder was never
achieved by and subsequent purchaser.
34!laintiII never agreed to make payments to Mortgage Electronic Registration Systems,
Inc. ('MERS).
33!laintiII never made payments to MERS.
36!laintiII`s original mortgage note was with CounLrvwlde k8 Pome Loans A CounLrvwlde
MorLaaae venLures LLC Serles noL ML8S
37Mortgage Electronic Registration Systems, Inc. had no legal authority to assign
!laintiII`s mortgage.
Crlalnal eLlLlon for Wronaful loreclosure
18
38MERS simply tried to connect the biIurcation mortgage to an electronic mortgage note
that was purchased by subsequent purchasers.
Appellant Briefing MERS v. NEBRASKA DEPARTMENT OF BANKING
ttached as Exhibit 'J
39!age 8 MERS stated; 'The Department and MERS agree that MERS does not underwrite.
make. originate. service. negotiate. sell. arrange for or offer to make. originate. service.
negotiate. sell or arrange for mortgage loans.`
60!age 11 MERS stated; 'hen a MERS member sells or transfers a mortgage loan or the
servicing rights thereunder. MERS tracks such sale or transfer in the MERS Svstem
and there is no need for anvthing in the real estate records because the mortgage lien
remains with MERS.`
61!age 11, MERS stated; 'MERS remains the mortgagee of record of the mortgage even
when the beneficial ownership interest in the promissorv note secured bv the mortgage or
the servicing rights are sold or transferred from one MERS member to another.`
62!age 12, MERS stated; 'The beneficial interest in the mortgage (or the person or entitv
whose interest is secured be the mortgage) runs to the owner and holder of the
promissorv notes and servicing rights continue to occur.`
63!age 16, MERS stated; 'In effect. the mortgage lien becomes immobilized be MERS
continuing to hold the mortgage lien when the note is sold from one investor to another
via an endorsement and deliverv of the note.`
64!age 19, MERS stated; 'The beneficial note interests are transferred bv endorsement and
deliverv of the note which is also a non-recordable event. The mortgage lien remains
with MERS so no assignment of the mortgage lien is needed when these non-recordable
Crlalnal eLlLlon for Wronaful loreclosure
19
transfers occur and are tracked to the MERs Svstem.` This is a violation oI Texas
Local Government Code 192.007.
63In MERS v. Young (Texas ppellate Court) MERS stated; 'no rights whatsoever to anv
pavments made on account of such mortgage loans. to anv servicing rights related to
such mortgage loans. or to anv mortgaged properties securing such mortgage loans.`
ttached as Exhibit 'K
66In the Superior Court oI New Jersey Chancery ivision tlantic County, ocket No. F-
10209-08, deposition oI William Hultman, secretary oI treasurer oI MERS, Mr. Hultman
stated; hat I said is MERS remains the mortgagee even though the note has been
transferred from the original lender to subsequent purchaser. and each time that note
moves bv endorsement and deliverv we become the agent of the new purchaser. and
thats bv virtue of the mortgage and bv virtue of the membership agreements between
MERS and its members. ttached as Exhibit 'L (!age 141, lines 5-11) The Iailure to
record those transIers is in clear violation oI Texas Local Government Code, chapter 192,
section 007.
67In the circuit court Ior Montgomery County, labama, a video deposition oI R.K. rnold,
MERS president and CEO, during questioning, stated the Iollowing; ttached as Exhibit
'M
68!age 30, line #8; . e were setting up a svstem up a svstem to eliminate unnecessarv
assignments and track mortgage loans.
69!age 40, line #1; A lts ooe of tbe fooJomeotol ooJetplooloos of oeootlole losttomeots
ooJ tbe eotlte mottoooe loJosttv Notes bove eeo tecotJeJ ooJ ossloomeots ote oot
tecotJeJ lo coooectloo wltb ootes
Crlalnal eLlLlon for Wronaful loreclosure
20
70!age 72, Lines #20-23 73 #1 A l ooess tbe ptolem ls tbe wotJ oevet 8ot os o
mottet of cootse wbeo tbe oote moves tbetes lts oevet eeo tbe cose tbot tbete
wete oeoetollv ossloomeots tbot teflecteJ tbot
71!age 74; Llnes #17 C And are vou saLlsfled LhaL Lhere ls no sLaLe LhaL requlres or LhaL
Lhe purpose of Lhe morLaaae asslanmenL ls Lo provlde noLlce Lo Lhe world LhaL Lhe
ownershlp of Lhe debL ls Lransferred beLween Lwo dlfferenL parLles? A )es
72!age 86; Llnes #67 A we bove to complv v tbe lows of tbe tespectlve stote
73!age 91; Lines # 15-2- & 22; Q. Is it Iair to say that in every case oI 63 62 million loans
that are recorded where mortgages are recorded MERS as mortgagee, that the lender in
those loans has not recorded a lien solely in their name? . es
74!age 112. Llne #12 A well we ttock tbe oote
73!age 120, Lines #19-23 aae 121 llne 12 A well voo oskeJ ooot tbe Jefloltloo of tbe
bolJet ooJ lt JepeoJs oo tbe stote low speclflcollv tbe ucc Attlcle J lo tbot stote
coses AoJ tbeo voote tefettloo to o sltootloo tbots oot Jocomeots coottocts ooJ
tbose coottocts woolJ Jlctote wltb tbe coofloes of stote low
76!age 160, Lines #12-17 C 8lahL And Lhe polnL belna ls ls LhaL slmplv realsLerlna a
Lransfer of an lnLeresL on vour svsLem does noL mean LhaL leaallv Lhe Lransfer of LhaL
lnLeresL Look place 1haL ls dependenL on Lhe underlvlna documenLs correcL? A 1toe
77!age 179, Lines #20-23 paae 181 Llnes 3 6 C Whlle vour svsLem mav lndlcaLe Lhe
lnLenL Lo underLake a cerLaln acL lL ls noL proof LhaL LhaL acL acLuallv was underLaken ls
lL? A lts oot tbe ttoosoctloo
RGUMENTS N UTHORITIES
Crlalnal eLlLlon for Wronaful loreclosure
21
78We musL flrsL look aL exLremelv baslc law reaardlna neaoLlable lnsLrumenLs" and
SecurlLv lnsLrumenLs" Lvervone knows LhaL a neaoLlable lnsLrumenL" mav sLand
alone and does noL have Lo be secured lL can be bouahL sold or Lransferred as lona as
lL ls done so properlv 1he SecurlLv lnsLrumenL" (Lhe ueed of 1rusL") ls merelv an
lnsLrumenL whlch lf flled of record places evervone on noLlce LhaL Lhere ls a llen on
cerLaln properLv (real esLaLe) Lo enforce collecLlon of monles Lo pav Lhe lndebLedness
evldenced bv Lhe neaoLlable lnsLrumenL" 1he flllna ln ubllc 8ecord also ls requlred Lo
perpeLuaLe llen perfecLlon
79The 'Security Instrument (eed oI Trust) cannot be sold. It attaches to the property and
only Iollows the 'Negotiable Instrument. It is oI no matter oI the status oI the note in
regards to the Ioreclosure sale, the power oI sale was contained within a biIurcated
security instrument and by eIendants own actions the Security Instrument was rendered
a nullity. Even iI eIendants could prove up the Note to enIorceability, the power oI sale
is not available. ThereIore the eIendants have abused the non-iudicial process by
executing an unlawIul sale where in Iact they should have Iiled suit in a court oI equity
Ior monies under a proved up note.
80II the Original 'Negotiable Instrument does not exist, has not been sold or transIerred
properly, or is merely a copy, whether electronically or otherwise, the 'Security
Instrument eed oI Trust, is invalid and cannot be enIorced because it cannot exist
without the 'Negotiable Instrument.
81Texas Business and Commerce Code Section 3.301 states that a !erson entitled to
enIorce the Instrument (Negotiable Instrument) is either the Holder oI the Instrument or a
non-holder in possession oI the instrument who has the rights oI a holder. These
Crlalnal eLlLlon for Wronaful loreclosure
22
!romissory Notes are leveraged, bought, sold, and placed in public oIIerings as part oI a
pool oI thousands oI loans, and each one is sold in Iractionalized parts to hundreds oI
investors on Wall Street, sometimes all oI the above. So, the 'obligor has a right to see
the ink-signed Original Note in its current state so as to determine who the actual Holder
is (or is not).
82Texas case law supports the requirement to produce the ink-signed Original Note. It is
well established Texas Law that in order to recover on the Original Note, Iour
requirements must be established: (1) the existence oI the note in question; (2) that the
borrower signed the note; (3) that the person or entity who wants to enIorce the note is
the legal owner and holder oI the note; and (4) that a certain balance is due and owing
under the note. Scott v. Commercial Services oI !erry, Inc., 121 S.W.3d 26 (Tex. pp. -
Tyler, 2003).
83In Geiselman v. Cramer Financial Group, Inc., 965 S.W.2d 532 (Tex. pp. - Houston
|14
th
ist.| 1997), the court held that the plaintiII was not the 'Holder oI the note where
the !laintiII did not have possession oI the Original Note. lso in Western Nat. Bank v.
Rives, 927 S.W.2d 681 (Tex. pp. - marillo, 1996), rehg denied, 1996 Tex. pp.
LEXIS 3651 (1996), the court held that iI the plaintiII does not possess the note, then the
plaintiII is not the holder and cannot enIorce the obligation. In Gar-al, Inc. v. LiIe Ins.
Co. oI Virginia, 557 S.W.2d. 565 (Tex. Civ. pp. Beaumont 1977), the court said that
any number oI persons may possess photocopies oI a note complete with photocopied
signature; however, only the person (or entity, emphasis added) who is the present owner
and holder who is in possession oI the original can be entitled to enIorce it.
Crlalnal eLlLlon for Wronaful loreclosure
23
84Texas courts have thus explained the inseparability oI ownership oI a mortgage note and
the deed oI trust securing that note:

The executed contract oI mortgage . . . is an incident oI the instrument assured;
and iI that is negotiable and is transIerred according to the law merchant, the mortgage
passes with it, ipso facto, without assignment in words . . . .); !erkins v. Sterne, 23 Tex.
561, 563 (1859) ("Even in the case oI a note made payable to ., or bearer, and
transIerable by delivery, without endorsement, any holder oI such note could avail
himselI oI the security aIIorded by a mortgage executed to secure its payment, because
the mortgage, as an incident, would Iollow the note into the hands oI every holder.");
Lawson v. Gibbs, 591 S.W.2d 292, 294 (Tex. Civ. pp. 1979), writ reI'd n.r.e.) ("The
mortgage oI the property is an incident oI the debt; and as long as the debt exists, the
security will Iollow the debt.")
85.J.W.., Inc. v. Federal Ins. Co., 806 S.W.2d 327, 330 (Tex. pp.ustin 1991).
Consistent with those principles, the Eastland Court oI ppeals set out the standards very
plainly Ior making Iindings regarding a mortgage note:

The "holder" oI a negotiable instrument is deIined in TEX. BUS. & COM. COE
NN. 1.201(20) (Vernon Supp.2003) as:
|T|he person in possession iI the instrument is payable to bearer or, in the
case oI an instrument payable to an identiIied person, iI the identiIied
person is in possession.
86.TEX. BUS. & COM. COE NN. 3.201 (Vernon 2002) provides in part:
Crlalnal eLlLlon for Wronaful loreclosure
24
(a) "Negotiation" means a transIer oI possession, whether voluntary or
involuntary, oI an instrument by a person other than the issuer to a person
who thereby becomes its holder.
(b) Except Ior negotiation by a remitter, iI an instrument is payable to an
identiIied person, negotiation requires transIer oI possession oI the
instrument and its endorsement by the holder.
87.In Jernigan v. Bank One, Texas, N.., 803 S.W.2d 774, 777 (Tex.pp. -Houston
|14th ist.| 1991, no writ), the court recognized that, under certain circumstances, a
promissory note can be transIerred without a written assignment or proper
endorsement. The court held:
!romissory notes can be transIerred lawIully without a written assignment or an
endorsement by the legal owner or holder. Waters v. Waters, 498 S.W.2d 236,
241 (Tex.Civ.pp.-Tyler 1973, writ reI'd n.r.e.); see also Christian v. University
Federal Savings ssociation, 792 S.W.2d at 534. bsent an endorsement,
however, possession must be accounted Ior by proving the transaction through
which the note was acquired. Tex. Bus. & Com.Code nn. 3.201(c), Comment
8 (Vernon 1968); Lawson v. Finance merica !rivate Brands, Inc., 537 S.W.2d at
485. ppellee has presented no prooI oI any transIer that would vest in it
ownership rights suIIicient to enIorce payment oI the note. See Northwestern
National Insurance Company v. Crockett, 857 S.W.2d 757, 758 (Tex.pp.-
Beaumont 1993, no writ).
88.Shepard v. Boone, 99 S.W.3d 263, 265-266 (Tex.pp. - Eastland 2003).
Crlalnal eLlLlon for Wronaful loreclosure
23
!roducing Cause. !laintiII would show that the acts, practices, and/or omissions
complained oI were the producing causes oI !laintiII`s damages more Iully described
herein. Written Notice Not Given. !laintiII`s have not timely notiIied eIendants oI such
complaint pursuant to Section 17.505(a) oI the Texas Business and Commerce Code.
However, pursuant to Section 17.505(b) oI the Texas Business and Commerce Code, the
giving oI 60 days` written notice is impracticable by reason oI the necessity oI Iiling suit
in order to prevent irreparable damage to !laintiIIs`, and because a consumer`s claim is
asserted as a response to actions taken by eIendants.

APPLICATION FOR TEMPORARY RESTRAINING ORDER
89.!laintiIIs` requests this Honorable Court to restrain eIendants, or any oI them,
eIendants` oIIicers, agents, servants, employees, and assigns, constables, sheriIIs,
Justices oI the !eace, and attorneys Irom directly or indirectly taking, leasing,
encumbering, selling, taking possession oI, altering, or destroying the subiect property,
reporting the subiect property Ior any other sale, or otherwise disturbing or attempting to
disturb !laintiII`s peaceable possession and enioyment oI the subiect property during the
pendency oI this cause. Unless this Honorable Court immediately restrains eIendants,
or any oI them, eIendants` oIIicers, agents, servants, employees, and assigns,
constables, sheriIIs, Justices oI the !eace, and attorneys Irom directly or indirectly taking,
leasing, encumbering, selling, taking possession oI, altering, or destroying the subiect
property, reporting or listing the subiect property Ior any other sale, or otherwise
disturbing or attempting to disturb !laintiII`s peaceable possession and enioyment oI the
subiect property during the pendency oI this cause, !laintiII will suIIer immediate and
Crlalnal eLlLlon for Wronaful loreclosure
26
irreparable iniury, Ior which there is no adequate remedy at law to give !laintiII complete
and Iinal relieI. More speciIically, !laintiIIs` will show unto this Court the Iollowing:
(a) The harm to !laintiIIs` is imminent because !laintiIIs` property is at
immediate risk oI re-sale, alteration, or destruction whereupon !laintiIIs` would lose the
ability to recover her property should !laintiIIs` prevail in this action.
(b) There is no adequate remedy at law that will give !laintiIIs` complete and
Iinal relieI iI the Temporary Restraining Order is not granted, and any transIer,
alteration, or destruction oI the property is allowed to occur.
(c) !laintiIIs` are willing to post a reasonable temporary restraining order
bond and hereby request this Honorable Court to set such bond at a reasonable
amount.
(d) !laintiIIs` have met their burden by establishing each element that must be
present beIore iniunctive relieI can be granted by this Court, and !laintiII`s
thereIore are entitled to the requested temporary restraining order.
90.!laintiIIs` are likely to succeed on the merits oI this lawsuit.
CONCLUSION
When the Court takes into account the Statutes and Case Law and applies them to
the Iacts oI this case and the documents relied on by the !laintiIIs`, it is clear why it is
necessary Ior the 'Holder who is authorizing the collection oI the Note be required to prove
they are the Holder oI the ink-signed Original Note with a valid perIected security interest.
No such evidence exists.
eIendants through their actions oI attempting an assignment oI a non-valid
Crlalnal eLlLlon for Wronaful loreclosure
27
security instrument, and with reIerence to public records, there is prooI oI biIurcation or
separation oI the security instrument Irom the note. This action by 3rd parties or the lack oI
action thereoI has rendered the security instrument a nullity, leaving only an unsecured
indebtedness oI the negotiable instrument that could only be enIorced by the original Creditor
through legal avenues.
PRAYER FOR RELIEF
WHEREFORE PLAINTIFF RESPECTFULLY REQUESTS:
1. That this !etition be Iiled and that a day be appointed Ior a hearing on this matter;
2. That a temporary restraining order will be issued, restraining eIendants, or any oI them,
eIendants` oIIicers, agents, servants, employees, and assigns, constables, sheriIIs,
Justices oI the !eace, and attorneys Irom directly or indirectly taking, leasing,
encumbering, selling, taking possession oI, altering, or destroying the subiect property,
reporting or listing the subiect property Ior any other sale, or otherwise disturbing or
attempting to disturb !laintiIIs` peaceable possession and enioyment oI the subiect
property during the pendency oI this cause;
3. That the Court set aside the bond Ior the temporary restraining order due pauper`s
aIIidavit being Iiled;
4. That, aIter notice and hearing, the Court set aside the Substitute Trustee`s Sale oI the
above speciIied property and issue a temporary iniunction enioining and restraining
eIendants, or any oI them, eIendants` oIIicers, agents, servants, employees, successors
and assigns, constables, sheriIIs, Justices oI the !eace, and attorneys Irom directly or
indirectly taking, leasing, encumbering, selling, taking possession oI, altering, or
destroying the subiect property, reporting the subiect property Ior any other sale, or Irom
Crlalnal eLlLlon for Wronaful loreclosure
28
otherwise disturbing or attempting to disturb !laintiIIs` peaceable possession and
enioyment oI the subiect property during the pendency oI this cause;
5. That, aIter trial on the merits, the Court permanently enioin eIendants, or any oI them,
eIendants` oIIicers, agents, servants, employees, successors and assigns, constables,
sheriIIs, Justices oI the !eace, and attorneys Irom directly or indirectly taking, leasing,
encumbering, selling, taking possession oI, altering, or destroying the subiect property oI
the subiect property, reporting the subiect property Ior any other sale, or otherwise
disturbing or attempting to disturb !laintiIIs` peaceable possession and enioyment oI the
property;
6. amages in an amount not to exceed the iurisdictional limits oI this Court;
7. Economic amages;
8. !unitive amages;
9. dditional Treble amages Ior all intentional and knowing violations;
10. Exemplary amages;
11. Equitable RelieI;
12. Costs oI Court; and
13. ll other relieI to which !laintiIIs` are entitled;
14. !laintiIIs` pray Ior general relieI.

RespectIully submitted

By:
HOLLY Helms, !ro Se




CERTIFICATE OF SERVICE
Crlalnal eLlLlon for Wronaful loreclosure
29
I certiIy that on , 2011 a true and correct copy oI !laintiII's Original
!etition Ior WrongIul Foreclosure was served opposing counsel in accordance with the rules.




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