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1 Lenore L. Albert, Esq. SBN 210876


2 LAW OFFICES OF LENORE ALBERT
7755 Center Avenue, Suite #1100
3 Huntington Beach, CA 92647
4 Telephone (714) 372-2264
5 Facsimile (419) 831-3376
Email: lenorealbert@msn.com
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7 Joseph Arthur Roberts, State Bar No. 156180
LAW OFFICE OF J. ARTHUR ROBERTS
8 3345 Newport Blvd., Suite 213
9 Newport Beach, CA 92663
1 0 Telephone: (949) 675-9900
Facsimile: (888) 989-9309
11 Email: Joe@JarLegal.com
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Attorney for Plaintiff, KENNETH HUEZO, individually,
13 And all others similarly situated
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UNITED STATES DISTRICT COURT
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16 CENTRAL DISTRICT OF CALIFORNIA
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KENNETH HUEZO, on behalf of himse
and all others similarly situated,
CVll-07818 CBM (VBKx)
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20 vs.
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Plaintiffs,
US BANK NATIONAL ASSOCIATION,
22 AS TRUSTEE FOR STRUCTURED
23 ASSET SECURITIES CORPORATION
MORTGAGE PASS-THROUGH
24 CERTIFICATES, SERIES 2006-BC3; and
25 DOES 1 through 10, inclusive,
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Defendants.
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CLASS ACTION COMPLAINT
signed to the Honorable:
LASS ACTION COMPLAINT
1. 15 USC 164lg Violation
2. Unlawfu1!Unfair Acts 17200
[DEMAND FOR JURy TRIAL]
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Huezo v US Bank National Association, as trustee for Structured Asset Securities Corporation
Mortgage Pass- Through Certificates, Series 2006-BC3
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1 Plaintiff KENNETH HUEZO (referred to as "plaintiff' or "Mr. Huezo"), by and
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through his attorneys of record, bring tbis action against defendants US Bank National
Association, as trustee for Structured Asset Securities Corporation Mortgage Pass-
Through Certificates, Series 2006-BC3 ("US Bank") and DOES 1 through 10,
inclusive, ("Defendants") and alleges the following on information and belief, except
as to those allegations which pertain to the Plaintiffs:
I. . VENUE
1.
The Court has subject matter jurisdiction over this action under 28 USC
1331 wherein the action arises under the Constitution, laws or treaties of the United
States and/or under 28 USC 1332 wherein this is a class action over $5,000,000.00
where at least one plaintiff is diverse from one defendant.
2. The Court has personal jurisdiction over the defendants in this action by the
18 fact that the Defendants are conducting business in the state of California.
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3.
Venue is proper in this Court pursuant to 28 USC 1392 because the action
involves real property located in the Central District of California; and pursuant to 28
USC 1391(b) and a substantial part of the events or omissions on which the claims are
based occurred in tbis District.
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CLASS ACTION COMPLAINT
f1uezo v US Bank National Association, as trustee for Structured Asset Securities Corporation
Mortgage Pass-Tlrrouglr Certificates, Series 1006-BC3
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II. PARTIES
4. Plaintiff, KENNETH HUEZO, at all times mentioned herein relevant to
the complaint was the owner of real property commonly known as 26840 Claudette
Street #229, Canyon Country, CA.
5.
Defendant, US Bank National Association, as trustee for Structured Asset
Securities Corporation Mortgage Pass-Through Certificates, Series 2006-BC3 ("US
Bank"), has its principal place of business in Minneapolis, Minnesota and regularly
conducts business in the State ofCalifomia.
6. Plaintiffs do not know the true names and capacities of the defendants
DOES I through 10, inclusive, and, as such, names said defendants by such fictitious
names. Plaintiffs will amend the complaint to state the true name and capacity ofthe
DOE defendant(s) when such information is ascertained.
7.
Plaintiffs are informed and believe, and allege thereon, that each
defendant is responsible in some manner for the occurrences alleged in the complaint,
and that plaintiffs' damages were proximately caused by the defendants at all times
mentioned in the complaint.
8.
Plaintiffs are further informed and believe, and allege thereon, that each
defendant was the agent, servant, representative, and/or employee oftheir co-
defendants, and in doing the things hereinafter alleged were acting in the scope of
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CLASS ACITON COMPLAINT
Huezo v US Bank National Association, as trustee for Structured Asset Securities Corporatioll
Mortgage Pass-Through Certificates, Series 2006-BC3
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and with the permission and consent of their co-defendants.
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Additionally, plaintiffs are informed and believe, and allege thereon, that
each defendant assisted, aided and abetted, adopted, ratified, approved, or condoned
the actions of every other defendant and that each corporate defendant, if any, was
acting as the alter ego ofthe other in the acts alleged herein.
III. General Factual Allegations
11 10. Tmth in Lending Act 131 ("TILA") codified at 15 USC 1641g requires a
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new creditor to notify the borrower in writing of a transfer in their Note and Deed of
14 Tmst (mortgage).
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11. The notification must include:
a. The identity, address, telephone number of the new creditor;
b. The date of transfer;
c. How to reach an agent or party having authority to act on behalf of the
new creditor;
d. The location of the place where transfer of ownership of the debt is
recorded; and
e. Any other relevant information regarding the new creditor within 30 days
of the transfer.
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CLASS ACTION COMPLAINT
Huezo v US Bank National Association, as trustee for Structured Asset Securities Corporation
Pass- Through Certificates, Series 2006-Bl..,]
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12. 15 USC IMIg was enacted to "ensure [citizens] can actually renegotiate
their mortgages if they are in trouble" and to provide "transparency and give[J
borrowers an additional tool to fight illegitimate foreclosure or to negotiate loan
modifications that would keep them in their homes." Sen. Barbara Boxer comments
7 made in the Congressional Record - Senate S5098-99 (May 5, 2009) Exhibit A.
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13. These combined legislative purposes are referred to in this complaint as
"due process" rights.
11 14. Plaintiff is informed and believes and alleges thereon that defendant US
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Bank is a creditor violating 15 USC 1641g causing illegitimate foreclosures and the
unnecessary loss of homes because homeowners are not being given this additional
tool to renegotiate their loans.
15. Defendant has a pattern and practice of playing "hide-and-seek" with
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16. The defendant hides its identity as the "creditor" as defined for purposes
of 15 USC 1641g until it must reveal its identity to nonjudicially foreclose, more
often than not only revealing itself when the debtor has halted the nonjudicial
foreclosure process by seeking safe harbor protection in the United States Bankruptcy
Courts.
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CLASS ACTION COMPLAINT
Huezo v US Bank National Association, as trustee for Structured Asset Securities Corporatiotl
Mortgage Pass-Through Certijiclltes, Series 2006-BC3
1 17. Homeowners need to know who the owner is to serve notices or
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complaints or confirm the authority of the party initiating a foreclosure action or
offering a loan modification and US Bank's conduct is preventing those needs from
being met to the injury of consumers like the pJaintifIMr. Huezo.
IV. Mr. Huezo's Facts
18. On or about July 12, 2006 KENNETH HUEZO, a single man, became
indebted to BNC MORTGAGE, INC.
11 19. Mr. Huezo promised to pay BNC Mortgage, Inc. $276,000.00 plus interest
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for a loan he received from BNC Mortgage, Inc. This promise was placed in a Note
dated July 12, 2006 and secured by his property located at 26840 Claudette Street
#229, Canyon Country, CA in a Deed of Trust.
20. Mr. Huezo never received any notice that US Bank became his new
18 creditor until he received a Motion for Relief from Bankruptcy Stay in the US mail.
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21. Mr. Huezo filed for bankruptcy protection earlier that year.
22. On May 4,2011 US Bank moved the US Bankruptcy court for relief from
the automatic stay declaring under penalty of peIjury that the movant held a deed of
trust on Mr. Huezo's property and a beneficial interest in the Note had transferred to
the Movant, "US Bank."
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Huezo v US Bank National Association, as trustee for Structured Asset Securities Corporation
MOrlgage Certificates, Series 2006-BC3
1 23. Mr. Huezo was sent notice ofthis motion and it was the very frrst time he
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learned " US Bank" was asserting ownership as his new creditor.
4 24. Just prior to Mr. Huezo frling for bankruptcy, US Bank caused a
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Corporate Assignment of Deed of Trnst to be recorded in Los Angeles County
Recorder' s Office purporting MERS assigned the Deed ofTTUst over to US Bank on
or about December 1, 2010 for a trust created in 2006.
25. A true and correct copy of the Motion and Declaration with Exhibits is
11 attached as Exhibit B.
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26. What is even more curious, the note attached to the motion Had an
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undated Allonge in blank attached as page 17 of 20 page note that had riders attached
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and numbered thereafter.
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27. There is no indorsement or allonge to MERS and nothing from MERS to
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28. The Note did not give MERS any interest or rights.
29. The indorsement from BNC Mortgage, Inc. was Blank and is not dated
and BNe Mortgage, Inc. surrendered before 2010.
30. There is no evidence that the creditors made any approval to transfer this
Note or the Deed of Trust from the bankruptcy estate to US Bank.
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CLASS ACTION COMPLAINT
Huezn v US Bank National Association, as trustee jor Structured A . ~ s e t Securities Corporation
Mortgage Pass-Through Certificates, Series 1006-BC3
1 31. There is no assignment of the deed of trust and the Note to US Bank
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before BNe Mortgage, Inc. became defunct. The assignor of the Deed of Trust was
clearly defunct when the purported assignment took place.
32. lfthe Deed of Trust split from the Note, US Bank had no legitimate right
to use the Deed of Trust to enforce the debt and the Note holder cannot use the
property secured by the Deed of Trust in order to satisfy that debt.
33. lfMr. Huezo was given proper notification ofthe transfer to the new
11 creditor he could have tried to save his home prior to default.
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34. But the disclosure of US Bank asserting it was the beneficiary of the
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1 4 indebtedness on Mr. Huezo' s Note came too late.
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35. Mr. Huezo had already been thrown into default and no longer had the
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opportunity to use this information to try to stop an illegitimate foreclosure sale or to
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try to attempt to renegotiate his loan with the current creditor because his home prior
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to default.
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21 36. Through the lise of these documents, US Bank received an order of relief
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from the automatic stay and US Bank has set to sell Mr. Huezo's home on October 11 ,
201 1 although it has no right to non judicially foreclose on Mr. Huezo's home.
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Buezo v US Bank National Association, as trustee for Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, &ries 1006-BC3
1 37. Mr. Huezo is further informed and believes and alleges thereon that US
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Bank has already iliegitmately auctioned off other homes of those similarly situated
through a foreclosure.
V. Class Action Allegations
7 38. Plaintiffs bring this action under Rule 23 of the Federal Rules of Ci viI
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Procedure, on behalf of the themselves and on the following Classes:
All (1) borrowers who did not receive a Notification from defendant as
required under 15 USC 1641 g and (2) so long as the original Lender
named on the Note is not the defendant
39. Excluded from the Class are defendants, and their affiliates, subsidiaries,
current or former employees, officers, directors, agents, representatives, and their
family members.
17 40. Plaintiffs do not know the exact size or identities of the members of the
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proposed class, since such information is in the exclusive control ofthe Defendants.
Plaintiff is informed and believes and alleges thereon the class size consists of
anywhere from 250 to 2,000 borrowers. Therefore, the proposed Class is so numerous
that joinder of all members is impracticable.
24 41 . A class action is superior to other methods for the fast and efficient
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adjudication of this controversy and to avoid the risk of disparate and inconsistent
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CLASS ACTION COMPLAINT
Hueto v US Bank National Association, as t r u ~ 1 e e for Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2006-BC3
1 rulings in different courts. A class action regarding the issues in this case does not
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create any problems of manageability.
4 42. A pattern and practice of conduct by defendants exist in this case wherein
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common questions of fact and law predominate over any questions affecting only
individual members including, but not limited to the following:
a. Whether defendant's actions or failure to act constituted a violation of 15
USC 1641g;
b. Whether defendant's actions or failure to act constituted a violation of
California Business & Professions Code 17200;
c. The amount of damages appropriate for violation ofl5 1641g and Cal
B&P 17200 in this context; and
d. Whether injunctive relief is appropriate.
18 43. This is a matter of important public policy because the fair treatment of
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clistressed borrowers is state and national policy priorities.
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21 44. The claims of the indi vidual named Plaintiffs are typical of the claims of
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the Class and do not conflict ''lith the interests of any other members of the Class.
45. The individually named Plaintiffs will fairly and adequately protect the
interests ofthe Class. They are committed to the vigorous prosecution of the Class'
claims and have retained attorneys who are qualified to pursue this litigation.
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Huez{) v US Bank National Association, as trIlstee for StrIlctured Asset Securities Corporation
Mortgage Pa5s- Through Certificates, Series 2006-BC3
1 46. The putative class action meets the requirements of Federal Rules of Civil
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Procedure 23(a), 23(b) and/or 23(c).
4 47. The nature of notice to the proposed class required andlor contemplated is
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the best practicable method possible and contemplated the defendant's list when
disclosed would most likely be media outlets, mailing to the property addresses
affected by the filed foreclosures and internet and other general notices are
contemplated to ensure notice.
11 48. Defendants have acted or refused to act on grounds that apply generally to
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the Class so that fmal injunctive relief or corresponding declaratory relief is
appropriate respecting the Class as a whole.
VI. CLAIMS
FIRST CLAIM
15 USC 1641g Violation
(Against US Bank)
49. Plaintiff incorporates the allegations above in this claim as though fully
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50. Plaintiffs bring this claim on their own behalf and on behalf of each
member of the Class described above.
25 51. These defendants are "creditors" under TILA.
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CLASS ACTION COMPLAINT
Hue'Zo v US Bank National Association, as trustee for Structured Asset Securities Corporation
Mortgage Pass-Througlt Certificates, Series 2006-BCJ
1 52. US Bank was required to notifY the plaintiff in writing of the transfer of
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the loan from the original lender, such as BNC Mortgage, Inc. , to US Bank.
4 53. The notification needed to include:
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a. The identity, address, telephone number of the new creditor;
b. The date of transfer;
c. How to reach an agent or party having authority to act on behalf of the
new creditor;
d. The location of the place where transfer of ownership of the debt is
recorded; and
e. Any other relevant information regarding the new creditor within 30 days
of the transfer which occurred on or about September 15,2010.
54. US Bank failed to notifY :Mr. Huezo and those similarly situated within 30
18 days of the purported assignment or transfer it presented to the US Bankruptcy court to
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show it had standing to move for relief from automatic stay.
55. US Bank violated 15 USC 1641g by failing to notifY the plaintiff in writing of
said transfer within 30 days including:
a. The identity, address, telephone number of the new creditor;
b. The date of transfer;
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CLASS ACTION COMPLAINT
Huezo v US Bank National Association, as trustee jor Structured Assel Securities COrpOrtltion
Mortgage Pass-Through ("'ertijicates, Series ZOO6-BC3
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c. How to reach an agent or party having authority to act on behalf of the
new creditor;
d. The location of the place where transfer of ownership of the debt is
recorded; and
e. Any other relevant information regarding the new creditor.
56. As a result of defendants' violation of 15 USC 1641g, Mr. Huezo' s due
process rights for notice and opportunity to be heard were violated; he has incurred
attorney' s fees and expenses and is losing and/or lost his home through a California
non-judicial process that plaintiff would have been able to try to stop if he had the
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57. Plaintiff is informed and believes and alleges thereon that US Bank' s
conduct was part of a pattern and practice resulting in the same injury to a multitude of
similarly situated (former) homeowners.
58. Plaintiffs have been danlaged in an amount to be proven at trial, including
but not limited to actual danlages resulting from said violation, statutory damages of
$4,000.00 per homeowner, attorney fees and costs.
Wherefore plaintiff demands judgment against defendants as set forth below.
SECOND CLAIM
Unfair and Unlawful Practices
(Against All defendants and Does 1 through 10)
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CLASS ACTION COMPLAINT
Huezo v US Bank National Association, as trustee fur Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series ZOO6-BC3
1 59. Plaintiffs incorporate in this claim all of the allegations above as though
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set forth in full herein.
4 60. Plaintiffs bring this claim on their own behalf and on behalf of each
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member of the Class described above.
61. California' s Unfair Competition Law (UCL) defmes lmfair competition to
include any "unlawful, unfair, or fraudulent" business act or practice. Cal Bus & Prof
Code 17200 et seq.
11 62. Defendants engaged in "unlawful" business practices under the UCL
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based on the violation ofl5 USC l64Ig (TILA BIg) as alleged above.
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14 63. The defendants failed to follow TILA and worm Mr. Huezo that his Note
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and mortgage had a new creditor as required by statute.
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64. US Bank through its authorized representative caused a declaration and
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motion made under penalty ofpeIjury to be filed with the Uni ted States Bankruptcy
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making representations that it either knew to be false or had no reason to believe that
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21 the statements were true that were material to Mr. Huezo losing his due process rights.
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65. On or about May 4, 2011 said movant declared in paragraph 7 of page 7 of
13 of the motion that "Movant holds a deed of trust that encumbers the Property" and
25 that a copy of the assignment evidenced that the movant was the rightful creditor.
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(Exhibit B)
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CLASS ACTION COMPLAINT
Hilezo v US Bank National Association, as trustee for Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 1006-BC3
1 66. The true facts are that the Borrower named on the Note was not US Bank;
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it was BNC Mortgage, Inc. that was now defunct.
4 67. Furthermore there was no indorsement or allonge attached to the Note
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assigning anything to US Bank.
68. The further true facts are that the Borrower named on the Deed of T mst
was not US Bank; it was BNC Mortgage, Inc.
69. Furthermore, the purported assignment occurred 4 years fl.ikr. the Note
11 was allegedly placed in the US Bank designated 2006 trust.
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70. But the true facts are MERS wasn' t given any interest or authority in the
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Note and BNC was defunct in 20 10 and US Bank could not legally resurrect BNC from
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the dead in order to assign the Deed of Tmst in 2010.
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71.
There were material representations as to the authority of US Bank to
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court.
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21 72. There were also material representations as to the identity of Mr. Huezo' s
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true creditors and interests and whether these transfers (as it appears) resulted in
splitting the Note from the Deed of Tmst making his debt unsecured under California
law where no creditor under the Deed of Tmst had a right to take his home for
nonpayment on the Note.
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CLASS ACTION COMPLAJNT
Huezo v US Bank National Association, as trustee for Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2006-BC3
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73. Because US Bank failed to comply with 15 USC 1641g and notifY Mr.
Huezo that it believed it became Mr. Huezo' s new creditor under the Deed of Trust and
Promissory Note within 30 days, Mr. Huezo' s due process rights were violated. He
was not given any meaningful notice or opportunity to seek judicial declaratory relief
and demand a judicial forecloslrre in order to identifY his creditor and that creditor' s
claims to any interest in his property, if any.
74. Plaintiff is informed and believes and alleges thereon that US Bank has a
pattern and practice of violating 15 USC 1641 g by failing and refusing to disclose it is
the new creditor until it is in the midst of foreclosure proceedings and/or moving for
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75. As a result, US Bank engaged in "fraudulent" or "unfair" business
practices under the UCL by failing to follow federal and state laws or correct their
errors when it became obvious when they filed their claim with the US Bankruptcy
court that they had no proof of standing to non judicially foreclose.
21 76. Instead of following the California laws and procedures put in place when
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records are not ill order in order to claim an interest in real property, the defendants
used the US Bankruptcy court system to cut off the homeowner's rights.
77 . Defendant US Bank also engaged in "fraudulent," "unfair" or "unlawful"
acts by violating various state laws and federal regulations, standards and/or policies in
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CLASS ACTION COMPLA1NT
Huezo v US Bank National Assoeiation, as trustee for Structured Asset Securities Corporaiion
iWortgage Pass-Through Certijicaies, Series 2006-BC3
1 falsely stating that the notes were being assigned into trust and such when there was no
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such assignment from one entity to the other. The Note wasn' t even properly endorsed
yet they relentlessly pursued Mr. Huezo on these false premises.
78. Plaintiffs are further informed and believe and allege thereon that each of
these defendants' unlawful, unfair and fraudulent business practices are likely to
deceive the public and are likely to continue to induce members of the public into
relying to their detriment on statements and agreements made or not made as the case
may be which will result in more members of the public losing their due process rights.
79. Defendants' acts, and each ofthem, violate the unfair competition laws of
the state of California and specifically California Business and Professions Code
17200, et seq. as indicated above.
80. As a proximate result of defendants' conduct, plaintiff was injmed
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statutory, general and special damages.
21 81. Plaintiffs are further entitled to injunctive relief and any other equitable
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relief that the court deems appropriate.
Wherefore plaintiff demands judgment against defendants as set forth below.
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CLASS ACTION COMPLAINT
Huezo v US Bank National Association, as trustee for Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2006-BC3
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VII. PRAYER FOR RELIEF
WHEREFORE, Plaintiffs pray for judgment against defendants, and each of
them, as follows:
a. An order certifying the plaintiff class, appointing named plaintiffs as the
representatives of the class and appointing the law fmn(s) representing the nan1ed
plaintiffs as counsel for the class;
b. Pursuant to Business and Professions Code 17203, that all Defendants, their
successors, agents, representatives, employees, and all persons who act in concert
with them be permanently enjoined from committing any acts of unfair competition'
violation of 17200, including, but not limited to, the violations alleged herein.
c. Actual, Special and General Damages as proven at trial;
d. Statutory damages and civil penalties;
e. Costs;
f. Attorneys' fees;
g. Prejudgment interest at the statutory rate;
h. Post-judgment interest;
i. Such other and further relief as the Court finds necessary and proper.
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CLASS ACTION COMPLAINT
Huezo v US Bank National Association, as trustee for Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2006-BC3
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VIII. DEMAND FOR JURy TRIAL
4 Plaintiffs hereby demand a jury trial.
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Dated: September 20,2011
CLASS ACTION COMPLAINT
LA W OFFICES OF LENORE ALBERT
Is! Lenore A l b e ~ ~ ~
LENORE L. AL T, ESQ.
Attorney for Plaintiff, KENNETH HUEZO and
All others similarly situated
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Huezo v US Bank National Association, as trustee for Structured Asset Securities Corporation
Mortgage Pass-Through Certifzcates, Series 2006-BC3
S509l:!
CONGRESSIONAL RECORD-SEl';fifE May 5, 2009
ACTING PRESIDENT pro tem-
pore, The Senator from Connecticut.
Mr. DODD. Mr. President. we are
waiting for someon e to come with an
amendment. In the meantime. I s ug-
gest the absence of a quorum.
The ACTING PRESIDENT pro tem-
pore. TIle clerk will call the roll.
The legislative clerk proceeded to
call the roll.
Mr. BOND. Mr. Pre3ident. I ask unan-
imous consent that the order for the
quorum call be rescinded.
The ACTING PRESIDENT pro tem-
pore. Without objection. it is so or-
dered.
Mr. BOND. I ask to be permitted to
speak as in morning business for up to
6 minutes.
Mrs. BOXER. Reserving the right to
object , and I will not object, if the Sen-
ator could amend that to say Senator
BoXER win 1;6 called on to talk about a
couple of amendments following his re-
ma.rks. I would really appreciate it.
Mr. BOND. Mr. P r esiden t. it wll1 be
an honor to ask that Senator BOXER,
the chair of the EPW Committee on
which I a m proud t o aerve, be recog-
nized after my remarks are completed.
The ACTING PRESIDENT pro tem-
pore. W1thout objection, it is so or-
dered.
Mrs. BOXER. I thank the Senator.
GUA.NTANA).'IO BAY
Mr. BOND. Mr. President, keeping
the Amerfcan people safe is the Gov-
elnment's highest priority. Keeping
OW' Nati on safe should not be a polit-
ical issue: it is an American one. That
is why I was disappointed when the
White House made an early national
security decision based on politics and
not what is in the best interests of
keeping Amerlca.:ns safe . I am talking
abou t the President's plan to close the
terror ist detention center at Guanta-
n a.mo Bay without a backup plan.
I have been sounding the alarm over
this rash deoision since the Pres ident
announced i t in January. But it is not
just my side of the aisle. the Repub-
li cans, who are Questioning the Presi-
dent' s decision to cl ose Gnantanamo
with DO plan on how to handle the de-
tainees, the terrorists housed there.
Yesterday, Democratic House Appro-
priations Committee chairman DAVID
OBEY "So far as we can tell there
is no concr ete program." That is my
point exactly.
This is a classic example of "ready,
fire. aim." That is a strategy we can-
not a.fford. I prefer aiming before
shooting, whicb is why I keep calling
on the Presi den t to tell the American
peopl e how his plan to close Guanta-
namo without any plans right DOW to
deal With the detainees will make our
Nation safer.
The President needs to honor his
pledge of transyarency prQ:vide the
American people with answers to these
questions. How the President answers
these questions is even more important
now that some of the terrorists could
be coming soon to a neighborhood near
you. Tha.t 15 right. Some of the ter-
rorist-trained detainees could be com-
ing to American communities.
Last the Obama administration
admitted as much. Defense Secretary
Gates t estified before our Senate Ap-
propriations Defense Subcommittee
that as many as 100 Guantanamo de-
tainees could be coming to the United
States. Wbether t hese terrorists are
coming to a prison in n earby Kansas or
a halfway house in a city in Missouri
or any other State. I can tell you this:
Americans do not want terrorists in
their neighborhoods.
That is why , when we put it to a
vote, the Senate voted 94 to 3 against
importing detainees t o American soil.
even if that meant deporting them to a
maximum secW'ity prison.
Americans a.l so do not want these
terroriSts sent back to the battlefield
to ldll our troops. We know the terror-
ists detained. at Guantanamo have gone
back to fight even the ones who were
supposed to be l ess dangerous. l ess
likel y t o do AO. The Pentagon has con-
firmed that a.t l east 18 detainees who
were released have gone back to the
figh t, and 43 more are suspected of
doing t he same.
There are no easy solutions. So in-
stead of meeting an arbitrary deadline
to close Guantanamo Bay. I sincerely
h ope the \Vbite House will reconsider. I
hope the President will realize that
closing Guantanamo Bay without hav-
ing a plan to deal with the terrorists
clU'rently there and future terrorists
captured on the battlefield is not in
Oill' Na ti on ' s best interest. Closing
Guantanamo with no plan, no plan. is
one campaign promise that cannot hold
up to nat10nal secw'ity priorities.
I yield the fl oor .
I suggest the absence of a Quorum.
The PRESIDING OFFICER (Mr.
UUALL of Co]orado.) The clerk will call
the r oll .
The legislative c lerk proceeded to
call t he r oll .
l'1rs. BOXER. Mr. President. I ask
unanimous consent that the order for
the quo 111m call be rescinded.
The PRESIDING OFFICER. Without
objection, it is so order ed.
__ AMENDMENT NO. 1035
Mrs . BOXER. Mr. President, I will be
offer ing t wo amendments, one of which
is gOing t o be second-degreed by Sen-
ator ENSIGN, a friendly amendment we
have worked with him on. So we will
have a vote on that amendment.
Then t he final vote on the other
Boxer amendment can be a voice vote
without problem. But t hese are two
a mendments that are very important
to t he financial security of the coun-
try. One deals wit h the toxic asset pur-
chase program, the oth er one deals
with lllaking s ure our people caD actu-
ally renegotiate their mortgages i f
they are in trouble. I will start with
that one first.
It seems like common sense if you
have a mortgage on your home, yon
ought to know who holds the mort-
gage. But in t oday's real estate mar-
ket , where the or iginal lender often
sells the l oan to another entity. you
can l ose t r ack and not h"D.oW who
ally owns your mortgage. So we are
doing a very simple a mendment-and I
thank Senator DODD and staif. because
they have worked so closely with us to
draw this up in a good way. It is very
easy: When YOll r mortgage is sold or
transferred, the homeowner must be in-
formed who owns that mortgage. Thi::r-
is the way i t used to be years ago. I r e-
member many times receiving those
notices bnt suddenly it stopped hap-
pening.
I want t o give you the example of
James and Mary Meyers, who took out
a high -rate home loan with Argent
Mortgage in 2004. Because the loan vio-
l ated the t r uth-in-l ending laws, they
later attempted to exercise their
era1 rights to cancel the loan. But the
serviceI'. who bappen ed to be Country-
wide at the time, refused to identify
who owned the loan. So by the time the
MeyerS discovered that "the cWT6nt
noteholder was Deutsche Bank, the
deadline for canceling the loan had
passed. The COUl't dismissed the Mey-
ers' cl aim, even though it found that
there were grounds, legitimately. for
the Meyer s t o cancel the l oan.
So this kind of hide-and-seek
tion has real-life lamifications. It cer-
tainly does with the Pr esident 's plan
now that says, if someone has a mort-
gage tha.t is under water, they can re-
negotiate. they have a chance. But if
they do not know who holds the mort-
gage, it is a hollow kind of plan. We
know that cw-rent law does require
homeowners be informed when the
servicer of their loan has changed.
That i s in the la.w. And Federal law
does r equire that the serviceI' tell the
homeowner the identify of the person
holding their mortgage.
But servicers routinely i gnore re-
Quests from homeowners for i nforIll8.-
tion on the noteholder. So this is pret-
ty simple. Simply put. i t is worth say-
ing. if someODe new is holding your
mortgage. the s ervicer 30 days t o
inform you as t o who that person is.
While serv1cers are required to dis-
close this information, there are no
pena ltiee in the law for noncompliance
and no remedies for a homeowner faced
with a recalcitrant serviceI'.
The l aw has a.lso failed to protect
homeowner s because there is no spe-
cific r equirement that servicers iden-
tify the agent or party with the au-
thority to act on behalf of the note
holder.
The Boxer amendment provides bor-
rowers with the basic r ight to know
who owns their l oan by .leqru.ting t.hat.
any time a mortgage l oan is sold or
transferred. the new note owner shall
notify the borrower within 30 days of
the following: t h e iden ti ty. address.
and telephone number of t he Dew cred-
itor: the date of transfer: h ow to reach
an agent 01' party with t he authority to
act on behalf of the new creditor; the
location of the place where the transfer
is r ecorded; and any other relevant in-
ormation regarding the new creditor.
May 5, 2009 CONGRESSIONAL RECORD-SEl\ .. CE 85099
Tu L":! clear, t he amendment doe5 not That is cleru.'ly a no-no. You cannot do
require borrowers to l'eceive a notifica that.
tion every time a mortgage backed se- Under the Boxer-Ensign language.
curity wtth a slice of their mortgage t hat would not be allowed. The Treas-
changes hands. Those are transactions ury would put forward regulations to
between investors and do not involve a make Slue it is not allowed. We would
ohange in owner3hlp of the physioa.l give the TARP lnspector general $15
note. million to perform audits of selected
[
This amendment only Vfovides recipients 50 we can make sure we are
parency anll gives borrowern an addl - following UD with audits and making
t ional tool to fight illegitimate fore sure there is no collusion.
cl osures or to negotiate l oan modifica- We would guarantee there is access
tions that would keep them in their to financial data from the P ublic-Pri-
homes. vate InvUlstment fund that m necel:it:laIY
I do not understand why we have to to perform these audits, and we would
have a vote on t his. I know Senator require regulations that are very clear,
DODD bas signed off on this. It is a very so thatr--listen to thi&-the private sec-
important amendment. I Will read into tor cannot use money they have bor-
the RECORD a list of those supporting rowed from other Federal programs to
this. It is a whole list of consumer pump into the system.
groups. I want to list who has endorsed They might be able to use some
this amendment: the National Con- loans, but we do not want 100 percent
sumer Law Center, the National Asso- of that money being recycled again. In
eiation of Consumer Advocates, Con- other words. they could t ake a loan
surnel' Action, the Consumer Federa- from the Government. then they go
tion of America. Consumers Union, the buy an asset, and all of the money
National Association of Neighborhoods, being used in the program is Govern-
the National Council of La Raza. and roent money,
the National Fair Housing Alliance. The Boxer-Ensign amendment. which
This Is a very narrowly targeted is endorsed by Senator DODD. and I be-
amendment with little cost to the in- lieve Senator SHELBY, I believe has
dustry. But the benefit to homeowners been signed off by both. If I misspeak.
and communities would be absolutely I am sure I will be told that. It is a
enormous. So it is a. Simple amend- very "good government" amendment.
ment. common sense. I hope we wiD It essentially says as we begin to buy
have an overwhelming vote for it. these toxic assets from the banks, we
I want to make my statement at this are going t o make sure there is no col-
time. and however the chairman wants lusion, no fraud. no conflict of interest.
to dispose of t he amendment, if it is ac- We are going to give the inspector gen-
cepted by voice. that i s fine with me. emi the ability to get the information
But if we have to do to a rollcall be- he or she needs to go in, perform an
cause we cannot clear it. I ask that we audit. and keep this program clean.
have a rollcall vote. The last thing taxpayers want is an-
AMENDMENT NO. lll38 other scandal that r evolves around
The second amendment t will be of- these hanks and all of the things they
fering is one that Senator ENSIGN will did before. So this is an important
be offering a second-degr ee amendment amendment .
to. It is a. ver y friendly aecond-degree At this time, I think I have explained
amendment. Again, I thank the Bank- both of my amendment s. I await hear-
ing staff on both sides of the aisle for ing from the chairman as to a time to
working with us-Senator DODD, in come back and speak for perhaps a
particul ar--to make this a very good minute to generally summarize both of
amendment. them.
What we a re baaica.lly saying i s , as Again, my deepest thanks to Senator
we go into a n ew program which is the DoDD. He has worked so hard. Without
Public-Private Investment Program. his help, we could not be at this point
which basically says that when we take on both these important amendments.
toXic assets off the books of the banks, The PRESIDING OFFICER. The Sen-
we want the private sector to come in ator from Connecticut.
and give a value to those assets, we do Mr. DODD. Let me first thank our
not want the Government doing it. colleague from California for her l ead-
The priVat e sector plays a. ver y im- ership on t his issue. They are very
portant rol e. What Senator ENSIGN and commonsense. straightforward pro-
I believe is very important, a nd Chair- posals tha.t we think can improve the
man DODD has agreed. is to make sut'e legislation.
it is a very clean process, and there 1s And it is almost, in a way-I was
not a process for collU8ion between the thinking. as my colleague and fri end
parties. and no chance to defraUd. was talking, it is a lmost sad that we
frankly, t he taxpayer s. have to h ave an amendment such as
How could that happen? Hypo- this. You would almost t hink that
thetically, you can have a bank that is there has got to be some law someplace
trying to unload a toxic asset. They that would say what she 1s suggeRting
want the most they can get foI' it. They by her amendment would be covered.
can go to a private party and aay: Hey, In a way it is a tragi c commentary
between us, bid a little bit more for on the times we are in, t he idea where
t his toxic asset. we will give you a we have to say that. by the way. coll u-
kickback Jater. They could not call it s ian is not permissible. I did not think
that. We will take care of you later, it was anyway. But her amendment
makes it certain in this legislation
that that is the case.
I am not s W'e the of order, but the
first comments my colleague gave re-
garding information about t heir mort-
gages, again this is pI'etty .straight-
forward.
I see Senator ENSIGN is on the floor.
and I will be brief, because I want him
to be able to offer his amendment so we
can move forward.
But the idea that you can Hnrl out
who owns the mortgage is pretty
::ltl'aightfol'Wal'u, Those of us with a lit-
tle gray hair on our head-and my col-
l eague from California has none, I want
the RECORD to show.
Mr s. BOXER. It t W'Il ed blond.
Mr. DODD. I do remember when I
bought my first home. an old 1710 cen-
ter chimney cape house in Connecticut.
I went down to the Old Stone Bank and
got a mortgage. I could go down every
day for as long as that mortgage was
around and look at it. see it, and pick
It up if I wanted to and hold it and do
wba tever r wanted to do with that
mortgage.
Today. of course. because the world
has changed. peoIlle buy a home--and.
of course, put aside the issne of preda-
tory lending and subprime mortgages
and the rest-and that mortgage, with-
in 8 to 10 weeks, on average , i s sold off.
It i s securitized, as they call it. This is
true of a lot of debt. It is student loans,
it 15 credit cards, it is all kind of debt
that gets seCW'itized.
By the way, that is not a bad thing,
because that provides liquidity, that
provides assets for people so more peo-
ple can afford to buy homes.
But the Senator from California has
pOinted out that you ought to know
who that is. That seems t o me a logical
request. If that mortgage has been sold
off, who OWDB it? So if a borrower
wants to be able to do something with
it. you ought n ot to have to go t hrough
and hire a private inve:3tigatory agency
to find out who holds your mortgage.
So whil e we respect the idea that
securitization can actually be bene-
fichu to t he community at l arge. if it
deprives tha.t owner of the mortgage
the opportunity to determine who i s
the holder of that mortgage, obviously
then we have lost something :in the
process. The Senator from California
has proposed a very worthwhile amend-
ment.
The New York Times stor y of April
24, 2009. notes:
Advocates wanting to engage lendel'5 " face
a challenge e ven finding someone with whom
to begl.n the conversation," according to a
report by NeighborWorks America.
That is exactly what the Senator
from California addresses with her
amendment. Wjth whom do you begin
the conversation? The conversation
ought to be with the person who is
holding that
I endorse ber amendment and urge
my colleagues to do so as welL
Regarding the second ameudment,
the other amendment offered by Sen-
ator BOXER deals with the collusion
Case 2: 11-bk-25627- _.L Doc 11 Filed 05f04f11 Entered 05f04f11 09:33:34 Desc
M"in P"" .. 1 nf 1?
,.Ittton"leyor P....-p,<Naml!, MdresS", Telephone 8: F /iX Numbers , and California State BaI'Number
fOR COURT USE ONLY
A PAINO (SBN 25 1243)
GI LBERT R YABES (SBN 267388)
PITE DUNCAN, LLP
4375 Drive, Suite 200
PO. Box 17933
San Diego, CA 8? 17 1-0933
Telephone: (8bO)7S0- 7DOO Far::,;imi l,,: (5 19) 590-1385
Attomcyfor US BANK NATIONAL ASSOCIATION, AS TRUSTEE
FOR STRUCTURED ASSET SECURITIES CORPOPATION MORTGAGE
PASS-THROUGH CERTIFIO'.TES, SERIES 2006-BC3, Movant
UNITED STATES BANKRUPTCY COURT
CENTRAL DISTRICT Of CALIfORNIA
In re: CHAPTER: 7
KENNETH ISAI HUEZO
CASE NO.: 2:11 -bk-25G27-VI
DII.TE: June7,LIlII
TIME: 10:00 a.m.
Debt or( s)
CTRM: 1368
FLOOR 13th
NOTICE OF MOTION AND MOTION FOR RELIEF FROM THE AUTOMATIC STAY
UNDER 11 U.S,C, 362 (with supporting declarations)
(MOVANT: US BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR STRUCTURED ASSET SECURITIES
CORPORATION MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-BC3)'
(Real Property)
I
,
,
,
,
I
I
I
I
I
I
I
I
i
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1. NOTlCE IS HEREBY GIVEN to the Debtor(s) and Trustee (if any)("Responding Palties") , their attorneys (if any), and other interested
parties that on the above date and time and in the indicated cOUitroom, Movant in the above-captioned matter move thi s Court for an
Order granting relief from the automatic stay asto Oebtor(s) and Debtor' s(s') bankruptcy estate on the grounds set forth in the attached
Motion.
2. Hearing Location: lSI 255 East Temple Street, Los Angeles
B
21041 Burbank Boulevard, Woodland Hills
3420 Twelfth Street, Riverside
o 411 West fourth Street, Santa Ana
o 1415 state Street, Santa Barbar
3. a. This Motion is being h ean! on REGULAR I'J OTI CE pursua nt to Local Bankruptcy Rule 9013-1. If you wish to OPPO,B !hi,
Motion, you must file a written response to this Moti on with the Bankruptcy Court and serve a copy of it upon the
attorney (or upon Movant, if the rrotion vvas filed by an umepresented individual) at the address set forth abO\fE' no less than "14
days before the above hearing and appear at the hearing of this Motion.
b 0 Thi s Motion is being heard on SHORTENED NOTICE. If -you wish to oppose this Motion, ,'00 mJst appear at the hearing. Any
w itten response or evidence may be fi led and served:
o at the hearing Cl at I east ___ court days before the hearing.
(1) 0 ./J, Motion for Order Silortening Time "",s not '''quired (according to the calendaring procedures of the assigned Judgej
(2) 0 A Motion for Order Shortening Time was fi led per Local Bankruptcy Rule 9075-1 (b) and was granted by the Court and
slJch motion and order have been Qr are being served upon the ejebtor and trustee , if any.
(3) 0 A Motion for Qder Shortening Time has been fi led and remains pending. Once the Court has rul ed on tnat M Db on, you
will be served \fIAth another notice or an order that l/lijll specify the date, time and place of the healing on the attad1ed
Motion and the deadline for filing and serving a written opposition to the Motion.
4. You may contact the Bankruptcy' Oerk' s office to obtain a co py of an approved court form for use in preparing your response (Or;'tionai
Court Form F 4001-1MRES) , or you rnay prepare your response using the format requi red by Local BankruptDJ Rule 1002-1
(Continc",d on next page)
Thi s form is mandatory by Or der of the United Slates Bankruptcy Coun fo r the Central Distria of California.
DecemtB, 2009 F 4001-1 M.RP
Case 2:11-bk-25627 Doc 11 Filed 05/04/11 Enter",,,, 05/04111 09:33:34 Desc
Main Document Page 2 of 12
Motion for Relief Imm Stay (Real Pmperty) - Page 2 0f 12 F 4001-1 M.RP
In re
KErmcrH ISAI HUEl D
(SHORr TITLE) CHAPTER: 7
I
Oebtor(s) CASE NO : 2 11-bk_25627-VZ
6. If you fail to file a: If\'ritten response tathe Moti on or f ai l to appear at the hearing, the Court may treat such failure as a''''laiverof yourright
to oppose the Motion and rnaygrantthe requested reli ef.
Dated: May4,201 1
PITE DJNCAN LLP
Print Law Firm Narre (if applicable)
GILB;::RT R YABES lsi GI LBERT R YABES SBN 267388
Print to,Jam'3 of Ir>dwiduai Movant or Attomey For Movant Signature of Individual Movant ar AI/arney for Movant
This form is mandator; by Order of the United States 8ankluptcy Court for the Central Oistrict of California.
D.cember 2000 F 4001-1M.RP
Case 2: 11-bk-25627 I Doc 11 Filed 05/04/11 Entereo 05104/11 09:33:34 Desc
Main Document Page 3 of 12
Motion for Relief from Stay (Real Pruperty) - Page 3 of 12 F 4001-1M.RP
In re (SHORT TITLE) CH.W TER: 7
V"ENNETH ISAI HUEZO
Oebtor(s) . CilSE NO.: 2: "-bk- 25627-VZ
MOTION FOR RELIEF FROM THE AUTOMATIC STAY
(MOVANT: US BANK NATlONAL ASSOCIATION, AS TRUSTEE FOR STRUCTURED ASSET
SECURITIES CORPORATION MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-
SC3)
1. The Propertv at Issue: Movant moves for rel ief from the automatic staywth respect to follo'Mng real property (the 'Property"'):
Street Address: 26840 Claudette St
AparirrenVSuile no.: #22 9
Ci.'), Stale, Zi,o Code: Santa Clarita , California 9 1351
Legal description or document recording number (including county' of reDJrding): Lo'S Angeles County: lnst _ No 061564482
D See attached conti nuation page .
2 Case History:
a IZJ A voluntary 0 Aninvoluntarfpetition under Chapter IZJ 7 0 11 0 12 0 13
was filed on: 4/1 112011
b. 0 An Order of Conversion to Chapter 0 7 0 11 0 12 0 13
was entered on:
c O Plan was confirmed on (specif)' dale}
d. 0 Other bankruptcy cases affecting this Pmpemj ha'le been pending 'JI.ri thin the past tvvo years. See Attached Ded araton.
3. Grounds for Relief from Stay:
a. IZJ Pursuant to 11 U S.C 362(d)( 1), cause exists to grant Movant tI1e requested relief fnJrn stay as follows:
( 1) IZJ Movant's interest in the Property is not adequate"} prot ected.
(2) 0
(a) [3J Movant's interest i n the collateral i s not protected by an adequate equit,' cushion
(b) 0 The fai r market value of tI1e Property is dedining and payments are not being made to Movant suffi dent tel
prot ect Movant's inte rEst against that dedine.
(c) 0 No proof of insurance re Movant' s collateral has been provi ded to Movant, despite borrower(s)'s obligati on
to insure the coUateral under the. terms of Movant's contract "With Debtor(s}.
(d) 0 Payrrents have not been made as required by an A.dequate Protection Order previously granted in this
case.
The bankruptcy case ",.as filed in bad faith to delay, hinder or defraud Movant.
(a) 0 Movant is the only creditor or one of very few creditors li sted on the master rnailing matrix
(b) 0 Non-i ndrv'idual entity was created just pnor to bankruptcy fili ng for the sol e purpose of fili ng bankruptcy.
(c) 0 The Oebtor(s) filed ,,;hat is cornmon'i referred to as a 'face sheet' fi li ng of only a few pages consisti ng of the
Petition and a few other docurnents. No other Schedules or Statement of Affairs (or Chapter 13 Plan, if
appropriate) have been filed.
(d) 0 Other (See attached continuation page) .
(Conl!rwed on ne xl page)
This form is mandatory by Order of thB United States Bankruptcy Court (0 r the Central Dis1rid of California.
December 2009 F 4001-1M.RP
Case 2:1 1-bk-25S2i Doc 11 Filed 05/04111 Enterb ... 05/04/1 1 09:33:34 Desc
Main Document Page 4 of 12
Motion for Relief from Stay (Real Property) - Page 4 of 12 F 4001-1 M.RP
In (SHORT TITLE) CHAPTER 7
I
ISAI HUElO
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Oebtor(s) CASE NO.: 2:11-bk- 2.5627-VZ
(3) 0 (Chapter 12 or 13 cases only)
(a) 0 Postconfirmation plan payrrents have not been made to the Standing Trustee.
(b) 0 Postconfirmatlon payments requ'ed by the connrmed plan have not been made to Movant.
(4) 0 For other cause for relief frorn stay. see attached continuation page.
b. [2] Pursuant to 11 U.S. C 362(dj(2)(A). Debtor(s) has/r,ave no equity in the Property, and pursuant to 362(d)(2)( 8) , the
Property is not necessary f or an effective reorganization.
c. 0 Pursuantto 11 U.S.c. 362(d)(3) , Debtor(s) haslhave fail ed within the later of 90 days after the petition or 30 days after the
court determined that the Property qualifies as Si ngle asset real estate to file a reasonable pl an of reorganization or to
DJmmence monthly payments.
d 0 Pursuantto 11 U .S.C 362(d)(41, Debtor's(s) tiling ol the petition was part of a scheme to delay, hinder and defraud creditors
that i nvolved:
(1) 0 The transfer 01 all or patt ownershtp of, or other interest in, the Pmpetty the consent 01 Movant or court
approval; or
(2) 0 Multiple bankruptcylilings affecting the Property.
4. 0 Movant also seeks annulrrent ofthe stay so that the fili ng of the bankruptcy petition does not affect postpetition acts, as specified in
the attached Declaration(s) .
5. Evidence in Support of Motion: (Important Note.' Declaration(s) in .upportofthe IVlotion MUST be attached herotoJ
a. I25J Movant su bmits the attached Declaration(s) on the Court's approved forms (If applicable) to provide evidence in sUPI}orr ofths
Motion pursuant to Local Bankruptcy Rules.
b. 0 Other Declaration(s) are also attached in support of thi s Motion
c, Movant requests that the Court consider as admissions the statements made by Debtor{s) under penalty of perjury conceming
Movant's cJaims and the Property setforth In Oebtor(s)'s Schedules Authenticated copies of the rel evant portions of the
Schedul es are attached as Exhibit 4.
d. 0 Other evidence (specify) :
6. 0 An optional Memorandum of Poi nts and Authorities is attached to this Motion.
WHEREFORE, Movant prays that this Court issue an Order t erminating or modifYing the stay and granting the following ("puffy
form. of relief requesreq) :
1. Reli ef from the Stay ailovving MO\'ant (and any successors or assigns) to proceed under applicable non-bankruptcy l awto entofce its
remedies to foreclose upon and obtain possession of the Propelt)'.
2. 0 Annulment of the so that the fi ling of the bankruptcy petition does not affect postpetition acts, :as specified in the attached
Declaration(s) .
3. I25J Addi tional provisions requested:
a. 0 Thatthe Order be binding and effective despite any conyers;on 01 thi s bankruptcy case to a case under any other chapter
of Title 11 of th e United States Code .
b. lSI That the 'l4-day stay described by Bankruptcy Rule 4001 (a)(3) be waryed.
c. 0 That Extraorclina,y Relief be granted as set forth in the Atrachment (Use cptiona/Cour! Form F 4001-1M.ER).
This form is mandatory Order of the United States Bankruptcy Court for the Central Oi!:trict of Calrornia.
2009 F 4001-1 M.RP
Case 2:11 -bk-25621- _ L Doc 11 Filed 05/04/11 Entered 05104111 09:33:34 Desc
In re
KENNETH ISAIHUEZO
M ai n Docum ent Page 5 of 12
Motion f or Relief fmm Stay (Real Pmp erty) - Page 5 of 12
(SHORT llTLE)
Debtor(s).
F 4001-1M.R.P
CHA.PTER: 7
CASE NO.: 21 1-bl,-25627-VZ
d. 0 For other relief requested, see attached continuation page.
4. If relief l rom stay is not granted, Movant respectfully requests the Court to order adequate protection.
Dated: May4 , 2011 Respectfulf, submitted,
USBANKNAllQNALASSOCIATION ASTRUSTEEFORSTRUCTURED
ASSET SECURIll ES CORPORATION MORTGAGE PASS-THRQ(J GH
CERTI FICATES SERIES 2006-BC3
iVlovanl Name
By I s/GILBERT R YABES
Signature
~ I a m e : GILBERT R YAS::S (SEN 267388)
Typed Name of Individual Movant or Allorney for i';!ovanl
1111is Motion lor Rel ief from Automati c Stay shall not consti tute a ''aiver of the vvithin pa rty's right to receive service pursuartto Fed. R
Crv. P 4, made applicable to this proceeding by Fed. R Banh . P. 7004 , nobMthstandlng Pi te Duncan, LLP's participation in tros proceeding
Moreover, the vithin part)' does not authon ze Pite Duncan, LLP, either expressly orirnpliedly thl'Ough Pite Duncan, LLP' s parti ci pation In this
proceeding, to act as its agent for purposes of selVice under Fed. R . Bankr. P. 7004
This form is mandatorj by Order of Ihe United Slates Bankfuplcy Court for the Centra! Distric! of California
Oeceml:er 2009
F 4001-1 M.RP
2:1 i-bk-25627
11
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Main Document Page 12 of 12
Motion for Relief from Stay (Real Property) - Page 12 of 12 F 4001-1 M.RP
In re
KENNETH I SAl HUEZO
(SHffiT TITLE) CHAPTER: 7
I oebtor(s) CASE NO.: 2:11- bk-25627-VZ
ROOF OF SERVICE OF DOCUMENT
I am over the age of 18 and not a party to this bankruptcy case or adversarf proceeding. My business address is
4375 Jutland Drive, Suite 200
P.O. Box 17933
San Diego, CA 92177-0933
A true and correct copy of the foregoing document described NOTICE OF MOTION AND MOTION FOR RELIEF FROM
THE AvrOMATIC STAY will be served orwas served (a) on the judge in chambers in the form and manner required tAj
LBR 5005-2{d): and (b) in t he manner indicated below
L TO BE SERVED BY THE COURT VIA NOTICE OF ELECTRONIC FILING C"NEF") - Pursuant to controlling General
Order{s) and Local Bankruptql Rule(s) CLBR") , the foregoing document wi ll be served by the court via NEF and hyperlinkto the
document. On May 4, 201 1 I checked the Ovl/ECF docket for this bankruptcy case or adversarl proceeding and determined
that the fol lowing person(s) are on trl B Electronic Mail Notice List to receive NEF transmission at the emai l address;s)
indeated below:
US Trustee served pursuant to Local Bankruptcy Rule 2002-2( a) (2)
o Service Informati on continued on attached page
II. SERVED BY U.S. MAIL OR OVERNIGHT MAIUindi cate method for each person or entity served):
On May 4, 20'11 I served th e foll owing person(s) andior entity(ies) at the last known address(es) in this bankruptcy case or
adversary proceeding by placi ng a true and correct copy thereof in a sealed envelope in the United Stat es t','lall, first class,
postage prepaid, andior with an overnight mail serlice addressed as f ollows . Listing the judge here constitutes a declarati on
that mail ing to the judge \,vill be completed no later tllan 24 hours after the document is f il ed.
Ho norable \lincent P. Zurzolo
u.s. Ba nkrupl cy Court
255 East Temple Street, SUite 1360
Los Angeles, CA 90012-3332
JosephA. Robelts
3345 Newport Blyd SI. 213
Newport Beach, C,A.92663
Kenneth Isa; Huezo
26840 Claudette: St, #229
Canyon Courrtry, CA91351
Carolyn AOye
3435 \I'o{ilshire m,..d, Suite 990
Los Ang eles, CA 9001 0
o Service information continued on attached page
III. SERVED BY PERSONAL DELIVERY, FACSIMI LE TRANSM ISSIO NOR EMAIL Und.i cate met hod for each person or entity
selved) : Pursuant to F .RCivP 5 and.lor controlling LBR, on I served the follm,"ng persol! (s)
andlor enuty{i es) by person al deliver,;, or (for th osa wh 0 consented in writlllQ to SIJ ch servi ce method). by facsi mile tran smission
andlor email as foll ows. Listing the judge here constitutes a declaration that personal delivery on the judge l::Lil!..l&. complete'l
no later t rlan 24 hours after th e document is filed.
o Service information continued on attache(j page
I declare under p e n a ~ y of perjury under the laws of the. United States of America that the foregoing is true and correct
May 4,2011 Michael Leewright lsI Michael Leewright
Date Type Name Signature
This form is rnandatory by Order of the Unit ed States Bankruptcy Court for the Central District of California.
Deceml:er 2009 F 4001-1 M.RP
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i"::""iE cn"-'{ OF CLARITA, Ci)\..TNTY OF LOS At.;GEl-E3, :;T.\TE AS PER lVli\P
RECJR.DED IN" BOOK 1067 62 'TO 69 f'r-rC.CtJSL\IE OF L.'l Ol-u':E OF CGUNT':-
... DER OF C(;S-;"'<'TY; fi..:{1) DEFTI .. "'Eu AS Age,,;;' CUNI)(;IviIJ'lH"lI:"\:i
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RECORD8D D2CEttlBER 12, AS NO. 7!l t 3?255':.'. F...ECCF-.l)S.
ALL ":"HA- P-DRTtCM OF LGT50r S:\JD7..l-.CT ;"-,0. U129 DEITh""ED AS TJNITNO. 229
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RECORDEDlfH ... ED i!,J OFFiCiAL :tECORDS
RECC:R:i ER'S OFF!CE
LOS ANGEi.ES COUNTY

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Ci 7l17!20i6 . in Sock PE\Qe XR;;; , tr: c,f Count'!
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Exhibit 3
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Eppeai"ed CrJna Srown. "'..,',10 k ,,..e cr. ba-sis of !$=3tsfat.:tC1'''"j {widence to be
tIe wit:1if; instn.iiTnt and .-;t;Kncw!edged !e rre ;;ef;!'hB:t,1$)'
same :" 9t"ci thai oy sig;-.ahJre{s);:';!i
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Tn re Kennath Is ai
CO," No. ___________ __ _
Debtor
SCHEDULE A - REAL PROPERTY
!iii.C :.:-pL J in::cu.;u bd uw. aU (1;.!I' pmp;;l"l)' 111 "",-hid, l11 :.; d ;:.h lUI" UlI)' h;gHl. :-.AjlriLabl:;. or [tlltu"..; im;; r:.:!- l., including aU pmp:.:rty uw :It.:u U!o l:!
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lUll..! LUCUUOll ur Prupt!l"ly,r
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i fu ) U1111 p":..:Li llul1 i:- fib1. :- U.llt: til :.: UITlULlIIl uf ,lil y :,: x:': lll pliol1 dal ll1::u. III Llll: prup:...'tty ut ll}' itt Scil:':UUi:.: l' - Prup:.:ny ClujlTlt:U u!- Cs. l! lnp L
lk:-criplit}1l ann Lucatinn nf jJmp:.: rty
Debtor's Residence
Location:
26840 CI.ude"e St , #229
Canyon Country, CA
:-.l Ull'l"::: or
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Fee

Wire,
.IHil1L. HI'
CU1T1ll1unity
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Sub-Tuutl >
t.'LLW.:1ll v tllLL:'; I)-r
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PnJp:.;n .. . witlmul
1);;.Uucling' ml), S:,, 'C ur'-!u
L'hLiln UL' liXL.: InPliull
189,000.00
189,000.00
189,000.00
AITlL;LLlI l ur
S:':CUl1:u Claim
360,076.07
{R'.:ptm.td .. o IJIl 4
Page 49
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Case No. _____________ _
Dohlor
SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS
S.HU.::: til,: Ilam.:: , lTI.ailillg 7ip COd ':: , !Hid four digin ()f.;my -<iCcmJlll uumb.:r 01" l.lU .:ntiti.::x , !.:lim!' ;.::cur.: d prop.:J1y of th.:: d.:tnor a:.; of
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dl.ltrn di ;;put..::d , plac.:: al l x"" in th..:: colunm l:Jb..: i...::' d "UL'->pur..:::d". (You may !l.:'..::J tel P\.'K":: .11\ ill th.an WI": of t l\.: ;;.:: t lu ..:..:: ".nLumIE.)
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D Clk:ck thi s hox if d.::blOr 1\;15. 00 {' r"ditUG holding d;\iITl5 h") r..::port ()rllhi." Sdh:!duk n.
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Allege d Loan Servicer for 1 st Deed of
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AfJle ricas Se rvicing Co
Trust
PO Box 10 328
Debtor' s Residence
Oes Moi nes, IA 50306
Location:
- 26840 Claudette St, #229
Ca nyon Country, CA
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V.ulu:.: $ 189,000,00
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293,091.07 104,091.07 i
AI.:t.:DUlll:'\lu 1061100224052 Opene d 7114106 Last Acti ve 7101110
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Allege d Loan Servicer for 2nd Deed of
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Ame ricas Servicing Co
Trust
P O Box 10 3.28
Debtor' s Resi dence
l
Location:
l
Des Moi nes. IA 50306
,
- 26840 CIa udett e St, #229
,
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Canyon Country, CA
I VUl l L:! $ 189.000.00 66,987.00 66.987.00
A'..'CUlml :',ju-. 70400263101810001 Opened 10/15106 La.t Active 12126110 I
Security Agreement
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To,01;) Motor Cr edit Co
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44Q E Huntington 0 r SI.e
2007 To yota Prius
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Arca dia , CA 91006
Mile.ge: 122.000
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Loc;)i ion:
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Debtors' Residence
4 ,477.00 I $ 6,99 5.00 11,472.00
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Page 50
Ca:H
UNITED STATES DISTRICT COURT
CENTRAL DISTRICT OF CALIFORNIA
NOTICE OF ASSIGNMENT TO UNITED STATES MAGISTRATE JUDGE FOR DISCOVERY
This case has been assigned to District Judge Consuelo B. Marshall and the assigned
discovelY Magistrate Judge is Victor B. Kenton.
The case number on all documents filed with the Court should read as follows:
CV11- 7818 CBM (VBKx)
Pursuant to General Order 05-07 of the United States District Court for the Central
District of California, the Magistrate Judge has been designated to hear discovery related
motions.
All discovery related motions should be noticed on the calendar of the Magistrate Judge
= = = = = = = = = = = = - - - - - = = = = = = = = = = = ~ = = = = = = = = = =
NOTICE TO COUNSEL
A copy of this notice must be served with the summons and complaint on all defendants (if a removal action is
filed, a copy of this notice must be served on all plaintiffs).
Subsequent documents must be filed at the following location:
[X] Western Division
312 N. Spring St., Rm. G-8
Los Angeles, CA 90012
U Southern Division
411 West Fourth St., Rm.1-053
Santa Ana, CA 92701-4516
Failure to file at the proper location will result in your documents being returned to you.
U Eastern Division
3470 Twelfth St., Rm. 134
Riverside, CA 92501
CV18 (03/06)
NOTICE OF ASSIGNMENT TO UNITED STATES MAGISTRATE JUDGE FOR DISCOVERY

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