COURT OF CHANCERY
OF THE STATE OF DELAWARE

T AMIKA R. M ONTGOMERY

- R EEVES

V ICE C HANCELLOR Leonard L. Williams Justice Center 500 N. King Street, Suite 11400 Wilmington, Delaware 19801

- 3734

October 19 , 2016

Denilia Francis 9 Guenever Drive New Castle, DE 19720 Ocwen Financial Services, Inc. 1661 Worthington Road, Suite 100 West Palm Beach, FL 33409

RE: D enilia Francis v. Ocwen Financial Services, Inc., et al., Civil Action No. 12661

- VCMR

Dear Litigants :

On August 9 , 2016
, the Register in Chancery received Plaintiff’s petition
(the “Petition”) for a temporary restraining order and injunction against Ocwen
Financial Services (“Ocwen”), which sought to prohibit Ocwen from foreclosing
upon Plaintiff’s property at 9 Guenever Drive, New Castle, Delaware, 19720. On
August 15, 2016, Master Zurn issued a Letter Decision and Order, which granted
the application for in forma pauperis, but dismissed the Petition as legally

fr ivolous

. Neither party took exception to the Letter Decision and Order within
eleven days of the date of the report, as required under Court of Chancery Rule

144 . On September 9, 2016 , the Letter Decision and Order was approved and
adopted on by Chancell or Bouchard.Francis v. Ocwen

C.A. No. 12661

- VCMR October 1 9
, 2016 Page 2 of 3
On September 13, 2016, the Register in Chancery received a letter from

Plaintiff to Master Zurn. Plaintiff stated that she did not understand Master Zurn’s

rul ing, asked thirteen questions
, 1 requested that Master Zurn “ reconsider [ her ]
posit ion ,” stated “[t]he FDCPA has rules concerning debt collectors and creditors.

Ocwen is a debt collector actin g outside of their capacity.[sic] (legally) by law,”
and pointed Master Zurn to “Exhibit A
, ” which is a June 15, 2016 letter from

Ocwen to Plainti ff

. The purpose of Plaintiff’ s Septemb er 13, 2016 letter is unclear. To the
extent that it purports to take exceptions to Master Zurn’s Letter Decision and

Order, I note that it is untimely under Rule 144. Regardless, a hearing is

un necessary. I have conducted a de novo rev iew of the rulings in the Letter

Decision and Order

. See DiGiacobbe v. Sestak
, 743 A.2d 180, 184 (Del. 1999). I

1 The September 13, 2016 asks the following questions. 1) “What is frivolous?” 2) “Are you complicit to the greed, corruption and fraud of so called debt collectors?” 3) “How can you provide proof that Ocwen Financial has received hardship?” 4) “Is not being threatened to be evicted not irreparable harm?” 5) “What is equity? Any must be shown by whom?” 6) “Is being served by Sherriff not a pending of a thing or type of action?” 7) “Is asserting my rights and staying in honor not good faith?” 8) “Are you perpetuating fraud that has plagued this society for centuries to continue?” 9) “Can you explain rule 144? I am not a legalese expert.” 10) “Are you not to exercise ordinary care?” 11) “Can a debt collector co llect on a debt that was discharged in Bankruptcy?” 12) “How can a debt collector have a lien on property?” 13) “What and how can a debt collector claim rights which were never theirs?”Francis v. Ocwen

C.A. No. 12661

- VCMR October 1 9
, 2016 Page 3 of 3
agree with the an alysis conducted in t he Letter Decision and Order and adopt it as

a decision of this court.

IT IS SO ORDERED.
Sincerely,

/s/ Tamika Montgomery

- Reeves

Vice Chancellor

TMR/jp