COURT OF CHANCERY

OF THE

STATE OF DELAWARE

TAMIKA R. MONTGOMERY-REEVES

VICE CHANCELLOR

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: Denilia 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 

frivolous. 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 Chancellor Bouchard.
Francis v. Ocwen

C.A. No. 12661-VCMR

October 19, 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 

ruling, asked thirteen questions,

1

requested that Master Zurn “reconsider [her]

position,” stated “[t]he FDCPA has rules concerning debt collectors and creditors. 

Ocwen is a debt collector acting 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 Plaintiff. 

The purpose of Plaintiff’s September 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 

unnecessary. I have conducted a de novo review 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 collect 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 19, 2016

Page 3 of 3

agree with the analysis conducted in the 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