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Case 5:20-cv-00299-JKP-RBF Document 1-4 Filed 03/11/20 Page 12 of 28
	

State of Tex* 

County of l:5e'>4;:,t( 

GENERAL AFFIDAVIT 

BEFORE ME, the undersigned Notary, /fu..;ir1 /!xerw,IIA on this ~/, day of 

fel:xuc,ry , 2020 LARRY G YARBRO personally appeared, known to me to be a credible 

person and of lawful age, who being by me first duly sworn. on his oath, deposes and says: 

1. I, LARRY G YARBRO, am of sound mind and capable of making this affidavit. I have 

personal knowledge of the facts stated below. I understand that I can be held criminally 

responsible if I lie in this statement. This statement is true. 

2. The March 3, 2020, scheduled substitute trustee sale of the Property (the "Substitu te Trustee 

Sale") is unlawful because I sent the Defendant a Qualified Written Request ("QWR"), 

pursuant to RESP A, 12 USC §2605( e); however , the Defendant did not cancel the 

Substitute Trustee Sale until the loan servicer fully responds to the QWR as required under 

12 C.F.R 1024.35(b)(9) and (10) and 1024.35(e)(3)(i)(B). Furthermore, the Defendant 

violated the Dual Tracking Provisions of Regulation X (RESPA) 12 CFR 1024.41(g); 

additionally, the Defendant did not comply with HUD regulations as required by law. 

3. I am the owner of the property located at 8606 Gavel Road, Converse, Texas 78109 

("Homestead" or "Property" or "real property"). I reside at this address, which is my 

homestead. 

4. February 23, 2016, I closed on a purchase money loan for $171,444, secured by a Deed of 

Trust (DOT). 

5. The DOT secures a lien on an FHA loan, FHA Case No. 5 l 4-0905850-703-203B. 

6. CIS Financial Services, Inc. dba Home Loans is the original lender. 

7. Chicago Title Company is the original trustee. 

8. THE MONEY SOURCE INC. is the current lender/mortgagee. 

9. THE MONEY SOURCE INC. is the current loan servicer . 

10. Attorneys ofCodilis & Moody, P.C. are designated as the purported current trustee. 

1 1. According to the BEXAR County Appraisal District the value of the property is $221,030. 

12. The monthly mortgage is $1,448.48. 

Page I of 3 

Case 5:20-cv-00299-JKP-RBF Document 1-4 Filed 03/11/20 Page 13 of 28
	

GENERAL AFFJDA VIT continued 

13. Reinstatement Amount is approximately $25,992. 

14. The estimated payoff approximately $183,5 l 9. 

15. The Plaintiff has over $35,000 in equity. 

16. I have never applied for a temporary restraining order to stop a foreclosure. 

17. I have a buyer ready willing and able to close and pay off the Defendant in full within 30 

days. 

18. Recently, the purported current trustee posted a Substitute Trustee Sale Notice in the 

BEXAR County Clerk 's Office. 

19. February 24, 2020, I sent the Defendant a QWR pursuant to RESPA, 12 USC §2605(e). 

See Exhibit A . 

20. The QWR included a notice of error that 12 C.F.R 1024.411 (g) prohibited the loan servicer 

from foreclosing . 

21. Regulation X, 12 C.F.R 1024.35(b)(9) and (10) and 1024.35(e )(3)(i)(B) prohibit a loan 

servicer from foreclosing on a borrower before fully responding to a QWR or correcting the 

errors pointed out in the QWR relating tol 2 C.F.R 1024.41(g) . 

22. Neither the Defendant nor the Servicer have responded to my QWR. Therefore, the March 

3, 2020 scheduled Substitute Trustee Sale of the property is unlawful. 

23. If the foreclo sure is not postponed until the loan servicer responds to the QWR, I will suffer 

irreparable harm by losing title to my homestead and my equity. 

24. In December 2019, I submitted a completed loan modification application to the loan 

servicer. On that date l subm itted aJI required completed loan modificat ion forms, signed 

and dated, and submitted all required supporting documents , as specified on the loan 

servicer's Website. 

25. However, to date none of the representatives of the cunent or prior loan servicer have sent 

me a rejection letter denying the loss mitigation application and explaining that I am 

ineligible for any loss mitigation relief, and the appeal process has been exhausted or is 

inapp licable , as required by 12 C.F.R I 024.41 (g). 

26. The DOT states the Trustee cannot foreclose on the DOT without comp lying with any 

applicable Department of Housing and Urban Development (HUD) regulations restrict ing 

foreclosure of FHA loans. 

27. Section 9d. page 7, of the DOT states the Trustee cannot foreclose on the DOT without 

Page 2 of 3 

Case 5:20-cv-00299-JKP-RBF Document 1-4 Filed 03/11/20 Page 14 of 28
	

GENERAL AFFIDAVIT CONT INUED 

complying with any applicable Department of Housing and Urban Development (HUD) 

regulations restricting foreclosure ofFllA loans 

28. 24 CFR 203.604(b) requires the mortgagee to hav e a face-to-face intervi ew with the 

mortgagor, or make a reasonable effort to arrange such a meeting , before three full monthly 

installments due on the mortgage are unpaid, provided the mortgagor resides in the house, 

the loan servicer has an office within 200 miles of the mortgagor's residence, and the 

mortgagor has not clearly indicated that he or she will not cooperate (24 CFR 203.60 4(c)). 

29. I reside at the Property, which is my homestead. 

30. The loan servicer assigned a Single Point of Contact (SPOC). 

31. 1 spoke with the single point of contact (the "SPOC") on numerous occasions in applying 

for a loan modification and the SPOC or any other staff of the loan servicer did not reach 

out to me to arrange such a Face-to-Face meeting. 

32. The Defendant bas at least one office in BEXAR County or surrounding counties within 200 

miles of the Property . 

33. If the foreclosure is not postponed until the loan servicer complies with the FHA rules as 

required by law, I will suffer irreparabl e harm by losing title to my homestead and my 

equity. 

34. Because the Defendant refuses to postpone the Substitute Trustee Sale, even though it is not 

in compliance with the law, 1 am incurring lega l fees. 

8606 oad 

Converse , Texas 78109 

State of Texas 

County of ii_p qr 

' 

§ 

§ 

Sworn to and subscribed before me on the 

YARBRO. 

---~-

mmission Expires: _______ _ 

Page 3 of 3 

Case 5:20-cv-00299-JKP-RBF Document 1-4 Filed 03/11/20 Page 15 of 28
  	

    
 

 





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Case 5:20-cv-00299-JKP-RBF Document 1-4 Filed 03/11/20 Page 20 of 28
,.,,., 

Larry G Yarbro, 

P laintiff(s), 

V. 

The Money Source Inc., 

Defendant(s), 

CAUSE N0.2.0 2-0v'.. 0 3°t 61 

§ IN THE DISTRICT COURT OF 

§ 

§ 

§ BEXAR COUNTY, TEXAS 

§ 

§ 

§ t/~ JUDICIAL DISTRICT 

§ 

TEMPORARY EXP ARTE RESTRAINING ORDER, ORDER TO POST BOND, AND ORDER 

SETTING HEARING FOR TEMPORARY INJUNCTION AND TEMPORARY ORDERS 

·""\ 7 I. 

On thisci.l day of February 2020, Larry G Yarbro, Plaintiff in the above-entitled and -numbered cause, 

has filed and on this day presented an Original Petition containing Motions For Temporary Injunction and For 

Ex Partee Temporary Restraining Orders, with relevant and pertinent portions thereof supported with affidavits, 

pursuant to Section 5 of Part VI of the Texas Rules of Civil Procedure . 

THE COURT, having examined the pleadings, FINDS that it clearly appears from the facts set forth in 

the affidavits and pertinent portions of Plaintiff Larry G Yarbro's Original Petition containing Motions For 

Temporary Injunction and For Ex Partee Temporary Restraining Orders that unless the Defendant THE 

MONEY SOURCE INC. is immediately restrained as Ordered, Adjudged , and Decreed below in this section 'I', 

that such Defendant will irreparably cause harm to Larry G Yarbro before notice can be given and a hearing is 

had on Plaintiffs motion for a temporary injunction; because, the Defendant will foreclose on certain property 

specified in section I. 

IT IS, THEREFORE, ORDERED, ADruDGED, AND DECREED that the clerk of this Court issue a 

temporary restraining order, in this cause , immediately restraining Defendant , THE MONEY SOURCE INC. 

from the following acts from the date of signing of this order until and to the fourteenth day after the signing of 

this order or until further order of this Court: 

1. The sale scheduled to be held on March 3, 2020 by the trustee, attorneys of Codilis & Moody, 

P.C., in the area of the BEXAR COUNTY Courthouse in San Antonio , Texas, designated by the 

Commissioner's Court pursuant to Section 51.002 of the Texas Property Code as a place where the 

foreclosure sale is to take place of 8606 Gavel Road, Converse, Texas 78109 . 

2. Reposting said property for foreclosure sale or otherwise engaging in any foreclosure preparatory 

activities. 

Case 5:20-cv-00299-JKP-RBF Document 1-4 Filed 03/11/20 Page 21 of 28
,.. , IT IS ORDERED , ADJUDGED, AND DECREED that the foregoing orders shall be binding on 

Defendant; on Defendant's agents, servants, and employees; and on those persons in active concert or 

participation with them who receive actual notice of these Orders by personal service or otherwise . 

IT IS ORDERED, ADJUDGED, AND DECREED that Plaintiff post a bond of 

$>DO 

II. 

IT IS FURTHER ORDERED that the Clerk shall issue notice to Defendant THE MONEY SOURCE 

INC. to appear and such Defendant is hereby ordered to appear, before this Court in the Bexar County 

Courthouse at 100 Dolorosa, Room ~, Texas 78205 on /l11tt r ~ ~ 2020 , at _J_: 0 D 

~.m ., to show cause, if any, why the following temporary injunctive and other interim relief should not be 

granted as requested by Plaintiff during the pendency of this cause: 

1. That the preceding temporary restraining orders in sections 'I' be made a temporary injunction pending 

final hearing in this cause; 

2. That the additional orders and temporary injunctions requested by Plaintiff be granted ; 

3. That all other orders should be entered or further relief granted respecting the parties as pied for by 

Plaintiff in Plaintiffs Original Petition in this cause. 

UPON THE PLAINTIFF POSTING A BOND OF $ 5 oc) , THE CLERK OF THIS COURT IS 

DIRECTED TO ISSUE A TEMPORARY RESTRAINING ORDER IN CONFORMITY WITH THE LAW 

AND THE TERMS OF THIS ORDER. 

SIGNED on & I;. ~ 7 ' 2020, at / : Yr o'clock f .m. 

db r1) 

Approved as to Substance and Forrn 

Isl James Minerve 

James Minerve 

State Bar No. 24008692 

115 Saddle Blanket Trail 

Buda, Texas 78610 

(888) 819-1440 Office 

(210) 336-5867 Direct 

(888) 230-6397 Fax 

jgminerve@aol.com 

Attorney for Plaintiff 

Larry G Yarbro 

JUDGE PRESIDil'Ki 

Case 5:20-cv-00299-JKP-RBF Document 1-4 Filed 03/11/20 Page 22 of 28
Larry G Yarbro, 

Plaintiff(s), 

V. 

The Money Source Inc., 

Defendant(s), 

1111 ~~~ffll l Ill 

2020CI03989 - B00001 

n1c· _flU .D 

S::'. ~ I rdCT CLERK ,. X /: R CO - - " 

INTHEDISTR ICTCOURTOF - ' · IEXAS 

20 F[B 2 7 PN 2: 2 ! 

BEXAR COUNTY, TEXAS 

~.!\.' 

·'' 

t..~UDICIAL DISTRICT --- -

TEMPORARY RESTRAINING ORDER BOND 

STATE OF TEXAS 

COUNTY OF BEXAR 

§ 

§ 

i~ 

On February;:[__, 2020 Larry G Yarbro, Pla intiff in the above -entitled and -numbered cause, 

has filed and on this day presented an Original Petition containing Motions For .Temporary Injunction and 

For Ex Partee Temporary Restraining Orders, with relevant and pertinent portions thereof supported with 

affidavits, pursuant to Section 5 of Part VI of the Texas Rules of Civil Procedure; and the clerk of this 

Court issued a temporary restraining order, in this cause , immediate ly restraining Defendant, The 

Money Source Inc.; · 

from conducting a substitute trustee sale of 8606 Gavel Road, Converse, Texas 7·8109, schedu led 

for March 3, 2020 by the reputed substitute trustee Attorneys of Codilis & Moody In the area of the 

BEXAR County Courthou se in BEXAR , Texas, designated by the Commissioner's Court pursuant to 

Section 51.002; for 14 days from the date of signing of this order or until further order of this Court; 

now, therefore, the said Larry G Yarbro, and her surety, covenant that Plaintiff will prosecute 

his petition with effect and pay The Money Source Inc. all costs and damages which may be adjudged 

against the Plaintiff, provided the surety shall not be liable in an amount greater than$,@O .q:; said 

amount being amount of the bond herein. _ /. · 

pl 

Given under our hands on~ 2020 

State of Te~¥ § 

County of~( § ,/. 

#I 

Sworn to and subscribed before me on theL day of,,_· -""";;t-¥""""-ff----:rr 

otary Public, State of Texas 

My Commission Expires: _______ _ 

Case 5:20-cv-00299-JKP-RBF Document 1-4 Filed 03/11/20 Page 23 of 28
CAUSE NO. _,_Jt)_t-0 __ __ _ 

State of Texas § 

County of !JJid1civi6Pil § , 

Ji 

Sworn to and subscribed before me on the .,2/ 

/ i 

TRO Bond 

rety 

ames Minerve 

115 Saddle Blanket Trail 

Buda, Texas 78610 

210-336 -5867 

tary Pubiic, State of Texas 

y Commission Expires: __ __ ___ _ 

Pag e 2 of2 

Case 5:20-cv-00299-JKP-RBF Document 1-4 Filed 03/11/20 Page 24 of 28
Larry G Yarbro, 

Plaintiff(s) , 

V. 

The Money Source Inc., 

Defendant(s), 

THE ST A TE OF TEX.,f.S . , 

THE COUNTY OF~ 

§ 

§ 

§ IN THE DISTRICT COURT OF 

§ 

§ 

§ BEXAR COUNTY, TEXAS 

§ 

: ~ JUDICIAL DISTRICT 

§ 

OATH OF SURETY 

BEFORE ME, the undersigned authority, on this day personally appeared James Miner v e, a surety on the 

annexed TRO Corporate Surety Bond, thereon, and after being by me duly sworn, depose and say that he/she 

is the General Counsel and Shareholder of CCS Asset Manageme nt Inc. a Texas Corporation, that the company 

is worth the sum of $250,000.00 dollars, over and above all just debts and liabilities, said property subject to 

execution and sale (property cannot be part of a homestead), and that his/her property consists of (Description 

of PERSONAL or REAL PROPERTY) : 

__ Net Worth of$250 ,000.00 _ _ _ __ _ ____ _ _ ___ ____ _ 

Where is property located: Company Balance Sheet in general ledger at Chase, 1415 Main St Ste I 00, Dallas, TX 

75202 

PRINT Name of Surety: Shares in CCS Asset Management Inc 

Surety's Tax ID: 46-400 1040 

Surety's Office Address: 111 Congress Ave, 4th Floor, Austin, Texas 78701 

Surety's Office Phone: 888-819-1440 

State of Tex<\,S § 

County of )Y:,K(rr § J 

Subscr ibed and Sworn to before me this,,2L day of February 2020. 

No 

xpires: ___ __ _ 

Case 5:20-cv-00299-JKP-RBF Document 1-4 Filed 03/11/20 Page 25 of 28
Defendant's Answer with Affirmative Defense

H748-101 / 44-19-1626 Yarbro

CAUSE NO. 2020CI03989

LARRY G. YARBRO, §

§

IN THE DISTRICT COURT

Plaintiff, §

§

v. §

§

438TH JUDICIAL DISTRICT

THE MONEY SOURCE, INC., §

§

Defendant. § BEXAR COUNTY, TEXAS

DEFENDANT'S ANSWER WITH AFFIRMATIVE DEFENSES 

TO THE HONORABLE JUDGE OF SAID COURT:

COMES NOW, The Money Source, Inc. ("Defendant"), Defendant in the above-styled 

and numbered cause, and files this Answer with Affirmative Defenses in response to Plaintiff 

Larry G. Yarbro's ("Plaintiff") Original Petition for Declaratory Judgment and Application for 

Temporary Restraining Order and Injunctive Relief ("Petition"). In support of the foregoing, 

Defendant would respectfully show the Court the following:

I.

GENERAL DENIAL

1. Pursuant to Rule 92 of the Texas Rules of Civil Procedure, Defendant generally 

denies each and every allegation contained within Plaintiff's Petition and any amendments thereto 

and demands strict proof thereof as required by the Constitution and the laws of the State of Texas. 

Defendant further reserves the right to plead further and in greater particularity as the case 

progresses.

II.

AFFIRMATIVE DEFENSES

2. Defendant asserts that all conditions precedent to Plaintiff's rights to recover, if 

any, have not been satisfied, have not occurred or have not been waived. 

Page 1 of 3

FILED

3/11/2020 11:51 AM

Mary Angie Garcia

Bexar County District Clerk

Accepted By: Krystal Thomas

Case 5:20-cv-00299-JKP-RBF Document 1-4 Filed 03/11/20 Page 26 of 28
Defendant's Answer with Affirmative Defense

H748-101 / 44-19-1626 Yarbro

3. In addition to and/or alternatively, without waiving the foregoing, Plaintiff's

claims are barred by the statute of frauds.

4. In addition to and/or alternatively, without waiving the foregoing, Plaintiff's

damages, if any, which Defendant does not admit, were caused in whole or in part by Plaintiffs'

own acts, negligent or otherwise, and Defendant is thus not liable.

5. In addition to and/or alternatively, without waiving the foregoing, Plaintiff's

claims are barred due to Defendant's compliance with the terms of the Deed of Trust and the

Texas Property Code.

6. In addition to and/or alternatively, without waiving the foregoing, Defendant

asserts that Plaintiff failed to mitigate his alleged damages, if any, which damages are strictly

denied by Defendant.

III.

PRAYER

WHEREFORE, PREMISES CONSIDERED, Defendant The Money Source, Inc. prays

that Plaintiff's Petition be dismissed and that Plaintiff take nothing by way of his claims.

Defendant further requests that judgment be granted in its favor with respect to all claims

asserted by Plaintiff, and for all further and other relief, whether at law or in equity, to which

Defendant may be justly entitled.

Page 2 of 3

Case 5:20-cv-00299-JKP-RBF Document 1-4 Filed 03/11/20 Page 27 of 28
Defendant's Answer with Affirmative Defense

H748-101 / 44-19-1626 Yarbro

Respectfully submitted,

By: /s/ Mark D. Hopkins

Mark D. Hopkins

Hopkins Law, PLLC

State Bar No. 00793975

3809 Juniper Trace, Suite 101

Austin, Texas 78738

(512) 600-4320

mark@hopkinslawtexas.com

OF COUNSEL TO:

CODILIS & MOODY, P.C.

Danya Gladney

State Bar No. 24059786

Codilis & Moody, P.C.

400 North Sam Houston Parkway East

Suite 900A

Houston, Texas 77060

(281) 925-5243

(281) 925-5343 Fax

Danya.Gladney@tx.cslegal.com

ATTORNEYS FOR DEFENDANT

THE MONEY SOURCE, INC.

CERTIFICATE OF SERVICE

Pursuant to Texas Rules of Civil Procedure, I certify that a true and correct copy of the

foregoing has been sent on this the 11th day of March 2020 to all parties of record the method

indicated below.

VIA E-SERVICE:

James Minerve

115 Saddle Blanket Trail

Buda, Texas 78610

jgminerve@aol.com

ATTORNEY FOR PLAINTIFF

/s/ Mark D. Hopkins

Mark D. Hopkins

Page 3 of 3

Case 5:20-cv-00299-JKP-RBF Document 1-4 Filed 03/11/20 Page 28 of 28