7/22/2019 Miller v Homecomings Financial, LLC

1/14

SH@WCG TW WCT G@TW_@DW DJS_ WTJSWAC_H G@TW_@DW J WCQ T

AJSTWJH G@\@T@JH

NJMHI@BBC_hg GM\ @GI@BBC_,Ubm`ht`lls,

AJICDJI@HKT@HMHD@MB,BD,KIMD IJ_WKMKC,BD, OMHFJLHC[PJ_FICBBJH _STWDJ., GJHBCGOCWWC_,MW_@D@MJTWJH,KMO_@CB CB, hg U@WCGSHDMH,BBU, Gclchgmhts.

ICIJ_ HGSI HG J_GC_Wa`s `s m su`t tj prcvcht ljrcdbjsurc jl rcmb prjpcrty. Gclchgmhts Ajicdji`hks

L`hmhd`mb, BBD ( A jicdji`hks ), KI MD Ijrtkmkc, BB D ( KIMD ), mhg Omhf jl HcwPjrf Icbbjh Wrust Dji pmhy ( Icbbjh ) amvc ijvcg tj g`si`ss ljr lm`burc tj stmtc m dbm`i(Gft.

7/22/2019 Miller v Homecomings Financial, LLC

2/14

b`ch guby l`bcg `h tac djuhty dbcrf's jll`dc jl Ijhtkji cry Djuhty, Wcxm s. (Gft. = =, Cx. O).Jh Nuby =0 ,?55 ;, Njmh I`bbcr djhvcycg acr `htcrcst `h tac prjpcrty tj pbm`ht`ll Gmv`g ~ ` b b c r boy spcd`mb wmrrmhty gccg, mbsj guby rcdjrgcg. (Gft. = =,Cx. D). Tuoscquchtby, pbm`ht`lls rmh`h tj l`hmhd`mb amrg t`ics, mhg jh Nuhc = 5, ?5 = = gclchgmht Icbbjh jotm`hcg mh jrgcr uhgcrWcxms _ubc j l D`v`b Urjdcgurc ;4< tj prjdccg w`ta m ljrcdbjsurc smbc uhgcr Wcxms UrjpcrtyDjgc 3 =.55?. (Gft. = =, Cx . C . Cmrb`cr tamt ycmr Icbbjh amg rcdc`vcg mh mss`khicht jl mgccg jl trust jh tac prjpcrty lrji NUIjrkmh Damsc Omhf ms Wrustcc, d/j _cs`gcht`mbLuhg`hk Djrpjrmt`jh, mbsj l`bcg w`ta tac djuhty dbcrf (Gft. = =, Cx. K). Ajw cvcr, tacrc `shj `hg`dmt`jh tamt tac jr`k`hmb bchgcr, Ajicdji `hks L`hmhd`mb Hctwjrf, @hd., cvcr mss`khcgtac hjtc jr scdur`ty `htcrcst tj Damsc, Icbbjh, jr mh yjhc cbsc.

Ubm`ht`lls orjukat ta`s su`t `h stmtc djurt ljr gcdbmrmtjry nugkicht mhg mh `hnuhdt`jhprcvcht`hk ljrcdbjsurc j h J dtjocr ?1 ,? 5 ==. Wacy mrkuc tamt gclchgmhts bmdf tac mutajr`tytj ljrcdbjsc ocdmusc tacy dmhhjt sajw prjpcr dam`h jl t`tbc jl tac hjtc mhg scdur`ty`hstruicht. (Gft. =-=). Wa c stmtc djurt `ssucg m tcipjrmry rcstrm`h`hk jrgcr jh Gcdciocr= , ? 5= =. Gclchgmhts rcijvcg tac dmsc tj lcgcrmb djurt jh Gcdciocr =3 ,? 5== (Gft. @), mhgtac pmrt`cs amvc djhschtcg tj imk`strmtc nugkc nur`sg`dt`jh. (Gft. =4).

tmhgmrg jl cv`cw_ubc =?(o)(

7/22/2019 Miller v Homecomings Financial, LLC

3/14

mrc prjpcr jhby `l tac pbm`ht`ll lm`bs tj pbcmg chjuka lmdts tj st mtc m dbm`i tj rcb`cl tamt `spbmus`obc jh ts lmdc. Msadrjltv. @qomb, =?0 T Dt. =04;,=0 tamt hjhc jl tacsc gc lchgmh ts amvc tac mutajr`tytj ljrcdbjsc jh pbm`ht`lls' prjpcrty. Wac `hst`tut`jhmb gclchgmhts ij vc ljr g`si`ssmb uhgcr_ubc =?(o)( (=) pbm`ht`lls' dbm`i tamt gclchgmhts bmdf tac

Dmsc 7>==-dv-577=< Gjduicht =< L`bcg `h WQTG jh 51/51/=? Umkc 4 jl =7

7/22/2019 Miller v Homecomings Financial, LLC

4/14

mutajr`ty tj ljrcdbjsc `s hjt omscg jh m djkh`zmobc bckmb tacjry6 (?) pbm`ht`lls amvc hjstmhg`hk tj djhtcst tac mss`khicht oy wa`da I cbbjh dbm`is tac r`kat tj ljrcdbjsc6 mhg (4)pbm`ht`lls' jtacr stmtc bmw dmusc s jl mdt`jh mrc mbsj `hsuppjrtmobc ms m i mttcr jl bmw.= Djkh`zmobc Bckmb Dbm`i

Wcxms rcdjkh`zcs m dbm`i ljr wrjhklob ljrcdbjsurc. Tcc c.k. Bcmkuc D `ty Ttmtc Omhfv. Imrcs 7?; T.[. ?g 44< (Wcx . D `v . Mpp .-Ajustjh V = 7 ~ ~ ~ ` s t . Y0

7/22/2019 Miller v Homecomings Financial, LLC

5/14

BCQ@T 7;53 mt *4.Shgcr tac W cxms Urjpcrty Djgc, tac jhby pmrty w`ta stmh g`hk tj `h`t`mtc m hjh-nug`d`mb

ljrcdbjsurc smbc `s tac i ~ r tk m k c c ,~r tac ijrtkmkc scrv`dcr mdt`hk jh ocambl jl tac durrchtijrtkmkcc.' Gctcri`h`hk i jrtkmkcc stmtus `s cmsy wach tac pmrty `s hmicg ms krmhtcc jrochcl`d`mry h tac jr`k`hmb gccg jl trust, ijrtkmkc, jr djhtrmdt b`ch. Out lmdtumb g`sputcs imymr`sc wach tac pmrty sccf `hk tj ljrcdbjsc `s hjt tac jr`k`hmb ijrtkmkcc, ms `s ijst jltch tacdmsc tacsc gmys. @h suda d mscs tac ljrcdbjs`hk pmrty i ust oc mo bc tj trmdc `ts r`kats uhgcr tacscdur`ty hstruicht omdf t j tac jr`k`hmb ijrtkmkcc. Bcmv`hks v. I`bbs =;3 T.[.4g 45 = ,4 =5(Wcx. Mpp . -A ju stj h V= G`st.Y ?557, hj pct.).

Jhc wmy tac ljrcdbjs`hk pmrty dmh gj ta`s `s oy sajw`hk tamt `t `s tac ajbgcr jl tachjtc scdurcg oy tac gccg j l trust. M pcrsjh dmh ocdjic tac ajbgcr j l mh `hstruicht wachtac `hstruicht `s `ssucg tj tamt pcrsjh6 jr ac dmh ocdjic m ajbgcr oy hckjt`mt`jh. Bcmv`hks=;3 T.[ .4g mt 450. Hckjt`mt`jh `s tac trmhslcr jl pjsscss`jh jl tac `hstruicht oy mpcrsjh jtacr tamh tac `ssucr tj m pcrsjh waj tacrcoy ocdjics m ajbgcr. Wcx. Ous. Djrh.

Ijrtkmkcc `s gcl`hcg ms (M) tac k rmhtcc, ochcl`d`mry, jwhcr, jr ajbgcr jl m scdur`ty`hstruicht6 (O) m ojjf chtry systci6 jr ( D) `l tac s cdur`ty htcrcst ams occh mss`kh cg jl rcdjrg,tac bmst pcrsjh tj waji tac scdur`ty `htcrcst ams occh mss`khcg jl rcdjrg. 3 =.555=(7). @h jtacrwjrg s, tacrc mrc scvcrmb wmys oy wa`da mh cht`ty dmh mdqu`rc ijrtkmkcc stmtus w`ta tac pjwcr tjljrcdbjsc. @h ta`s dmsc, Icbbjh msscrts tamt `t ams tac r`kat tj ljrcdbjsc ms tac jwhcr jl gccg jltrust oy v`rtuc jl mh mss`khi cht lrji m ta`rg pmrty.M ij rtkmkc scrv`dcr `s tac bmst pcrsjh tj waji tac ijrtkmkjr ams occh `hstrudtcg oytac durrcht ijrtkmkc c tj schg pmyicht ljr tac gcot scdurcg oy tac scdur`ty hstruicht. Wcx.Urjp. Djgc 3 =.555=(4). M ijrtkmk cc imy oc tac ijrtkmk c scrv`dcr. @g M ijrtkmkc scrv`dcrimy mgi `h`stcr tac ljrcdbjsurc jh ocambl jl tac durrcht ijrtkmkcc prjv`gcg tacrc `s m scrv`d`hkmkrccic ht g`sdbjscg tj tac gcotjr mbjhk w`ta tac jtacr rcqu`rcg hjt`dcs. 3 =.55?3.

Dmsc 7>==-dv-577=< Gjduicht =< L`bcg `h WQTG jh 51/51/=? Umkc 3 jl =7

7/22/2019 Miller v Homecomings Financial, LLC

6/14

Djgc Mhh. 4.?5 =. @l tac `hstruicht s pmymobc tj mh `gcht`l`cg pcrsjh, hckjt`mt`jh rcqu`rcsojta trmhslcr jl pjsscss`jh mhg wr`ttch hgjrscic ht oy tac ajbgcr. @g. mt 4.?5 b(o). @h jrgcrtj chljrdc tac hjtc ms m ajbgcr, m pmrty waj `s hjt tac jr`k`hmb bchgcr iust prjvc suddcss`vctrmhslcrs jlpjsscss`jh mhg `hgjrscicht cstmob`sa`hk mh uhorjfch dam`h jl t`tbc. Bcmv`hks=;3 T.[.4g mt 4=5. Waus, w`ta dcrtm`h c x d c ~ t` j h s, ~jsscss`jh jl tac hjtc `s typ`dmbbyrcqu`rcg `h jrgcr ljr m ajbgcr tj chljrdc `t. I`bbct v. NU Ijrkmh Damsc H.M. ?5 =? [ B=5?070; mt *4 ([.G. W cx. ?5=?).

Ttmhg`hk tj ljrcdbjsc imy m bsj oc sajwh oy prjjl tamt tac ljrcdbjs`hk pmrty `s tacjwhcr jl tac hjtc uhgcr djii jh bmw pr`hd`pbcs jl mss`khicht. Imrt`h ?5=? Wcx . Mpp.

BCQ@T 7;53 mt ==. Wa c jwhcr jl m hjtc hccg hjt oc m ajbgcr, ocdmusc tac twj `ssucs mrcscpmrmtc mhg g`st`hdt. TI T L`hmhd`mb BBD v. MODJ Ajics @hd. =

7/22/2019 Miller v Homecomings Financial, LLC

7/14

Tcc Imrt`h mt ?6 L`rst K`ormbtmr Omhf LTO v. Lmrbcy 103 T.[.?g 7?3, 7?1-?0(Wcx.Mpp.- Tmh Mhtjh`j =003, wr`t gch`cg)6 Ncrh`kmh v. Omhf Jhc Wcx. H.M. 154 T.[.?g;;7,;;; (Wcx.Mpp.-Ajustjh V=7ta G`st.Y =00=, hj wr`t).

Ms m i mttcr jl Wcxms bmw, tach, ajicjw hcrs suda ms tac I `bbcrs g j amvc m djkh`zmobcdmusc jl mdt`jh; tj dam bbchkc m pmrty's r`kat tj ljrcdbjsc jh tac`r prjpcrty. @h tac`r ijt`jh,gclchgmhts khjrc ta`s wcbb-cstmob`sacg W cxms prcdcgcht, mhg lj dus hstcmg jh rcdcht lcgcrmbdjurt gcd`s`jhs gcmb`hk w`ta m bckmb tacjry g`si`ss`vcby guoocg ms sajw ic tac hjtc. Tccc.k. [cbbs v. OMD Ajic Bjmhs Tcrv`d`hk B.U. ?5 == [B ? =

7/22/2019 Miller v Homecomings Financial, LLC

8/14

wa`da jotm`hcg tac jrg cr tj prjdccg w`ta tac ljrcdbjsurc, wm s hc`tacr tac jr`k`hmb bchgcr jrijrtkmkcc. @hstcmg, Icbbjh dbm`is tj oc tac durrcht ijrtkmkcc oy v`rtuc jl mh mss`khichtlrji m ta`rg pmrty gmtcg Nmhumry ?3, ?5 ==. (Gft. = =, Cx. K). Ubm`ht`ll dbm`is ; =0) tamttacrc `s hj puob`d rcdjrg jl mhy mss`khi cht jr trmhslcr tj tamt ta`rg pmrty (jr mhyjhc cbsc)lrji tac jr`k`hmb ijrtkmk cc.

Wac trmg`t`jhmb wmy tj prjvc dam`h jl t`tbc s v`m l`b`hks jl rcdjrg h tac djuhty dbcrf'sjll`dc. Wac Wcx ms Urjpcrty Djg c prjv`gcs tamt `l tac scdur`ty `htcrcst ams occh mss`khcg jlrcdjrg, tac bmst pcrsjh tj waji tac scdur`ty `htcrcst ams occh mss`khcg j l rcdjrg `s tacijrtkmkcc. 3 =.55=(7)(D ). M Wcxm s stmtutc gcdbmrcs tamt mhy trmhslcr jr mss`khicht jl mrcdjrgcg ijrtkmkc i ust mbsj oc rcdjrgcg `h tac jll`dc jl tac dju hty dbcrf>

Wj rcbcmsc, trmhslcr, mss`kh, jr tmfc mhjtacr mdt`jh rcbmt`hk tj mh `hstruichttamt `s l`bcg, rck`stcrcg, jr rcdjrgcg `h tac jll`dc jl tac dju hty dbcrf, m pcrsjhiust l`bc, rck`stcr, jr rcdjrg mhj tacr `hstruicht rcbmt`hk tj tac mdt`jh `h tacsmic imhhcr ms tac jr`k`hmb `hstruicht wms rcqu`rcg tj oc l`bcg, rck`stcrcg,jr rcdjrgcg.Wcxms Bjdmb Kjvcrhi cht Djg c =0?.55;(m) (cipams`s mggcg.) Hj rcpjrtcg dmsc ams`htcrprctcg ta`s 010 bmw. Wa c bckmb djhscquchdcs jl lm`b`hk tj dji pby w`ta ta`s stmtutjrydjii mhg mrc uhdbcmr, mhg ta c suoncdt jl du rrcht b`t`kmt`jh. Tcc Gmbbms Djuhty v. Icrsdjrp,@hd., ==-D\-?;44 H.G. Wcx.). @h mhy cvcht, tac moschdc jl suda rcqu`rcg l`b`hks `s mrkumobysjic cv`gchdc tamt hj suda mss`khicht jr trmhslcr ams jddurrcg, ms tac pbm`ht`lls acrcdjhtchg.

Dmsc 7>==-dv-577=< Gjduicht =< L`bcg `h WQTG jh 51/51/=? Umkc 1 jl =7

7/22/2019 Miller v Homecomings Financial, LLC

9/14

@t `s truc, ms Icbbjh hjtcs, tamt tac bmst mss`khicht jl tac gccg jl trust, lrji NUIjrkmh D amsc tj Icbbjh, wm s l`bcg mhg rcdjrgcg h tac djuhty dbcrf's jll`dc. Out tamt s jhbyjhc b`hf `h m dam`h jl uhfhjw h bchkta, mhg gjcs hjta`hk tj or`gkc tac rci m`h`hk kmp tj tacjr`k`hmb bchgcr. @l Icbbjh's mss`khjr amg hj vmb`g r`kats `h tac hjtc jr gccg j l trust, tach hjsuda r`kats wcrc djhvcycg tj Icbbjh oy tac ms ~ `k h i ch t. ~ach m pmrty sccf`hk tj ljrcdbjsclm`bs tj sajw mh uhorjfch dam`h jl t`tbc, tach tac ajicjw hcr imy oc cht`tbcg tj mh hnuhdt`jhmkm`hst tac tarcmtchcg ljrcdbjsurc. Bcmv`hks v. I`bbs, =;3 T.[.4g 45=, 4=5 (Wcx. Mpp.Ajustjh V@ G`st.Y, ?557, hj pct.).

Ljr tacsc rcmsjhs, tac Dj urt l`hgs tamt pbm`ht`lls' pct`t`jh stmtcs m dbm`i ljr djkh`zmobcbckmb rcb`cl omscg j h tacjr`cs jl wrjhklub ljrcdbjsurc, trcspmss tj try t`tbc mhg q u`ct t`tbc.? Ttmhg`hk tj Dambbchkc ss`khicht jl Tcdur`ty @htcrcst

Gclchgmhts mrkuc mbtcrhmt`vcby tamt pbm`ht`lls amvc hj stmhg`hk tj dambbchkc mhmss`khicht jl tac scdur`ty `htcrcst ocdmusc tacy wcrc hjt pmrt`cs tj tac mss`khicht. @hsuppjrt jl tac`r mrkui cht gclchgmhts d`tc h`hc rcdcht gcd`s`jhs lrji lcgcrmb g`str`dt djurts`h ta`s stmtc (s`x jl wa`da w crc `ssucg oy tac smic i mk`strmtc nugkc), wa`da gj hgccg mll`ritamt p rjp j~` t `j h .~jwc vcr, hjhc j l tacsc gcd`s`jhs d`tc mhy Wcxms d msc bmw jr stmtutc, mhg

< Mi . Nur.?g Mss`khi chts =51 (mss`khcc mdqu`rcs hj krcmtcr r`kats tamh wcrcpjsscsscg oy mss`khjr). Wa c Bmt`h parmsc `s Hcij gmt qujg hjh amoct.Csfr`gkc v. Lcg. Ajic Bjmh Ijrtkmkc Djrp., ?5 == [B ? =

7/22/2019 Miller v Homecomings Financial, LLC

10/14

mbb out jhc cxpb`d`tby rcby upjh m s`hkbc lcgcrmb dmsc, Csfr`gkc v. Lcg. Aji c Bjmh I jrtkmkcDjrp, ?5= =[ ?=

M gcotjr imy, k chcrmbby, msscrt mkm`hst mh mss`khcc mbb cqu`t`cs jr g clchscscx`st`hk mkm`hst tac mss`khjr pr`jr tj hjt`dc jl tac mss`khicht, mh y imttcrsrchgc r`hk tac mss`khi cht mosjbutcby `hvmb`g jr `hcllcdt`vc, mhg tac bmdf jlpb m` ht `ll s t`tbc jr r`kat tj suc6 out `l tac mss`khicht `s cllcdt`vc tj pmssbckmb t`tbc, tac gcotjr dm hhjt `htcrpjsc gclcdts jr joncdt`jhs wa`da i crcbyrchgcr tac mss`khicht vj`gmobc mt tac cbcdt`jh jl tac mss`khjr jr tajscstmhg`hk `h a`s jr acr saj cs.

Tda`crjh` v. Gcutsdac Omhf Hmt @ Wrust Dj., ?5= = [B 4

7/22/2019 Miller v Homecomings Financial, LLC

11/14

Wac job`kjr jl mh mss`khcg dbm`i i my gclchg m su`t orjukat oy tac mss`khccjh mhy krjuhg tamt rchgc rs tac mss`khicht vj`g jr `hvmb`g, out imy hjt gclchgjh mhy krjuhg tamt rchgc rs tac mss`khicht vj`gmobc jhby, ocdmusc tac jhby`htcrcst jr r`kat tamt mh job`kjr jl m dbm`i ams `h tac mss`khicht `s tj chsurctamt ac jr sac w`bb hj t amvc tj pmy tac smi c dbm`i tw`dc.

Mi .Nur. ?g Mss`khichts ==0 (gmtmomsc upgm tcg Imy ?5 =?). Cxmi pbcs jl vj`gmobcgclchscs `hdbugc tac stmtutc jl lrmugs, Amrg`hk Dj. v. Tchgcrj _cs. @hd. ?5=? Wcx.Mpp.BCQ @T =;37, *44 4.?1 (Wcx. Mpp.- Wcxmrfmhm ?5 =?)6 lrmug `h tac `hgudcicht, Fmhsms B`lc@hs Dj. v. L`rst Omhf jl Wrusdjtt ;1 T.[ . ?g 317, 31; (Wcx. =043)6 bmdf jl dmpmd`ty ms mi`hjr, Gm`rybmhg Djuhty Iut. @hs. Dj. v. _jimh 701 T.[ . ?g =37, =31 (Wcx. =0;4)6 mhgiutumb i `stmfc, Damsc @hd. v. Ojst`df 33 = T.[. ?g ==

7/22/2019 Miller v Homecomings Financial, LLC

12/14

Lcgcrmb g`str`dt djurts `h ta`s stmtc amvc mbsj chtcrtm`hcg dam`h j l t`tbc dbm`is oy i jrtkmkcgcotjrs dambbchk`hk ljrcdbjsurc prjdccg`hks. Tcc I`bbct v. NU Ijrkmh Damsc, H.M., ?5 =?[ B =5?070;, *7 ([.G. Wcx. ?5=?)6 Hjhvjjg v. Damsc Ajic L`hmhdc BBD, ?5 == [B=0;1;7 ([.G. W cx. ?5= =). Hjr `s Wcxms mbjhc mi jhk hjh-nug`d`mb ljrcdbjsurc stmtcs `hpcri`tt`hk suda su`ts. ST Omhf Hmt @ Mss h v. @omhcz, 07= H.C. ?g 75, 34 (Imss. ?5= =).

Gclchgmhts' l`hmb (mhg wcmfcst) mrkuicht `s tamt ajicjw hcrs b`fc pbm`ht`lls w`bb hjtoc prcnug`dcg `l tac dam`h jl mss`khichts lrji jr`k`hmb bchgcr tj ljrcdbjs`hk cht`ty wcrc`ii uhc tj gcotjr dambbchk c. Mltcr mbb, tac mrkuicht mppmrchtby kjcs, tac I`bbcrs jwc tacijhcy tj sjicojgy. @h truta, tac pjtcht`mb prcnug`dc `s ojta pbm`h mhg scvcrc jrcdbjsurcoy tac wrjhk cht`ty gjcs hjt g`sdamrkc tac aji cjw hcr's gc ot, mhg bcmvcs taci vubhcrmobctj mhjtacr mdt`jh jh tac smi c hjtc oy tac truc drcg`tjr. Omhfs mrc hc`tacr pr`vmtc mttjrhcyskchcrmb hjr ojuhty auhtcrs, mricg w`ta m rjv`hk djii`ss`jh tj sccf jut gclmubt`hkajicj whcrs mhg tmfc mwmy tac`r ajics `h smt`slmdt`jh jl sjic jtacr omhf's gccg jl trust.ImstcrDmrg ams hj r`kat tj suc ljr gcots ruhk up jh m \`sm d mrg, mhg tamt rcim`hs truc cvch`l ImstcrDmrg ams occh mss`khcg tac r`kats jl mhjtacr ta`rg pmrty b`fc Micr`dmh Cxprcss.Shbcss mhg uht`b m djipbctc dam`h jl trmhsmdt`jhs omdf tj tac jr`k`hmb bchgcr `s sajwh,ImstcrDmrg rcim`hs m strmhkcr tj tac jr`k`hmb trmhsmdt`jh w`ta h j d bm`i mkm`hst tac gcotjr.Mhg tamt `s m lm`r gcsdr`pt`jh jl ta`s dmsc `h `ts prcscht pjsturc.

@h sui, m stmhg`hk `ssuc `s burf`hk acrc, out jhby ms tj tac gclchgmhts, hjt tacpbm`ht`lls. Wac djurt djhdbugcs tamt uhgcr Wcxms bmw ajicjwhcrs amvc bckmb stmhg`hk tj

Dmsc 7>==-dv-577=< Gjduicht =< L`bcg `h WQTG jh 51/51/=? Umkc =? jl =7

7/22/2019 Miller v Homecomings Financial, LLC

13/14

dambbchkc tac vmb`g`ty jr cllcdt`vchcss jl mhy mss`khicht jr dam`h jl mss`khichts uhgcrwa `da m pmrty dbm`is tac r`kat tj ljrcdbjsc jh tac`r prjpcrty. Mddjrg`hkby, pbm`ht`lls amvcprjpcrby stmtcg dbm`is ljr gcdbmrmtjry mhg `hnuhdt`vc rcb`cl omscg jh w rjhklub ljrcdbjsurc,trcspmss tj try t`tbc mhg qu`c t t`tbc.4 tacr db is

Ubm`ht`lls stmtc djurt pct`t`jh `hdbugcs m vmr`cty jl jtacr dmuscs jl mdt`jh, mbb ijrc jrbcss dchtcrcg upjh tac tarcmtchcg ljrcdbjsurc. Wac sc `hdbugc orcmda jl djhtrmdt, tjrt`jus`htcrlcrchdc w`ta cx`st`hk djhtrmdt, v`jbmt`jhs jl tac Wcxm s Gcdcp t`vc Wrmgc Urmdt`dcs Mdt,stmtutjry lrmugblrmug `h rcmb cstmtc, mhg v`jbmt`jh jl tac lcgcrmb Lm`r Gco t Djbbcdt`jh Urmdt`dcsMdt. Ubm`ht`lls amvc rcqucstcg tac jppjrtuh`ty tj rcpbcmg tacsc dbm`is h mddjrgmhdc w`ta taclcgcrmb rubcs. @h b`kat jl tac djurt s ljrckj`hk rub`hk, `t imy w cbb oc tamt sji c jr mbb jl tacscdbm`is mrc hjw supcrlbuju s mhg hccg hjt oc pursucg. _mtacr tamh chkmkc `h mh cxtchgcg mhgpjss`oby lut`bc mhmbys`s jl tacsc vmkucby pbcmgcg dbm`is, tac djurt w`bb s`ipby jrgcr tacpbm`ht`lls tj rcpbcmg mhy jl tacsc dbm`is tacy st`bb w`sa tj pursuc, pmy`hk dmrclub mttcht`jh tj_ubc == jl tac Lcgcrmb _ ubcs j l D`v`b Urjdcgurc ms wcbb ms tac suostmht`vc cbcichts jl tacscstmtc mhg lcgcrmb dmuscs j l mdt`jh.

jhdbus`jh

Ljr tac ljrckj`hk rcmsjhs, gclchgmhts ijt`jh tj g`si`ss `s gch`cg. Ajw cvcr, `lpbm`ht`lls `htchg tj s ccf rcb`cl omscg jh mhy dbm`is jtacr tamh wrjhklub ljrcdbjsurc, trcspmsstj try t`tbc mhg qu`ct t`tbc, tacy mrc g`rcdtcg tj l`bc mh mi chgcg dji pbm`ht msscrt`hk suda dbm`is

Dmsc 7>==-dv-577=< Gjduicht =< L`bcg `h WQTG jh 51/51/=? Umkc =4 jl =7

7/22/2019 Miller v Homecomings Financial, LLC

14/14

jh jr ocljrc Tcptciocr ; ,? 5 =?.T`khcg mt Ajustjh, Wcxms jh Mukust 1,? 5= ?.

tcpach [i. Ti `taSh`tcg Ttmtcs Imk`strmtc Nugkc

Dmsc 7>==-dv-577=< Gjduicht =< L`bcg `h WQTG jh 51/51/=? Umkc =7 jl =7