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Full Deposition of Beth Cottrell Part 2 | Deposition (Law) | Notary Public
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IN THE CIRCUIT COURT OF THE FIFTEENTH JUDICIAL CIRCUIT PALM BEACH COUNTY, FLORIDA - - Chase Home Finance, LLC, : : Plaintiff, : : vs. : Case No. : 50-2009-CA-026599 Thomas W. Fleming, : et al., : : Defendants. :
DEPOSITION OF BETH ANN COTTRELL - - -
Tuesday, May 18, 2010 8:56 o'clock a.m. Anderson Reporting Services, Inc. 3242 West Henderson Road Columbus, Ohio 43220
APPEARANCES: JOSEPH MANCILLA, Attorney at Law Florida Default Law Group, P.L. 9830 Southwest 77th Avenue Suite 210 Miami, Florida 33156 (305) 662-4110 Ext. 4215 jmancilla@defaultlawfl.com On behalf of the Plaintiff. DUSTIN ZACKS, Attorney at Law Ice Legal 1975 Sansburys Way Suite 104 West Palm Beach, Florida (561) 793-5658 dustinzacks@icelegal.com On behalf of the Defendants.
Page 3 I N D E X - - PAGE 4
Defendant's Exhibit A (Amount Due Affidavit) Defendant's Exhibit B (Notice of Deposition Duces Tecum) Defendant's Exhibit C (Incumbency Certificate) Defendant's Exhibit D (3270 Explorer Document) Defendant's Exhibit E (3270 Explorer Document) Defendant's Exhibit F (Screen Shot)
MARKED 5 34
Q. A. Q. Q. A. Q. A.
Page 4 P R O C E E D I N G S - - BETH ANN COTTRELL,
being by me first duly sworn, as hereinafter certified, deposes and says as follows: CROSS-EXAMINATION
BY MR. ZACKS:
Mr. Mancilla have agreed, we have stipulated that the answers taken in the deposition yesterday in the case of Chase Home Finance versus Koren, the answers given yesterday that were not specific to the Koren case may be used for today's deposition. MR. MANCILLA:
If you would state your name,
Beth Cottrell. And Dustin Zacks here for the defendant. MR. MANCILLA: Joseph Mancilla for the
Operation supervisor. And your employer. Chase Manhattan.
Chase Home Finance. If we could, myself and That's correct.
Page 5 MR. ZACKS: I'll introduce the first
exhibit, Exhibit A. - - And thereupon, Defendant's Exhibit A was
marked for purposes of identification. - - -
paragraph that you appeared upon oath, deposed on personal knowledge.
oath before you signed this document? Yes.
knowledge; is that accurate?
everything in this affidavit that you testified to? Ph. 561.682.0905 - Fax. 561.682.1771 1655 Palm Beach Lakes Blvd., Suite 500 - West Palm Beach, FL 33401
And can you tell me what it is, please. It's an amount due affidavit. And on the second to last page, is that
And it states in the introductory
And it states that it's on personal
It is based on what the staff --
So do you have personal knowledge of
First of all, did you take an
Page 6 No. Paragraph 1 states that "The affidavit was
submitted for the purpose of showing that there was no genuine issue as to any material fact." Did you
have personal knowledge of that statement when you signed this document? No. Did you do anything to verify that
enforce the note and mortgage."
knowledge of that statement or did you when you signed this document? No.
statement prior to signing this document? No.
that plaintiff is entitled to a judgment as a matter of law." statement? No. Did you have personal knowledge of that
statement before signing this document?
Next, "That plaintiff is entitled to Do you have personal
Did you do anything to verify that
And finally, "For the purpose of showing
And did you do anything to verify that
Page 7 No. Paragraph 2 states that you're assistant Your actual title
secretary of Chase Home Finance. you said is operation supervisor. Yes.
And do your duties change as you sign as
assistant secretary or do your -- does your day-to-day job description change? Only that I'm authorized to sign these
extra meetings to attend or extra supervisors to report to based on the fact that you also have this alternate title of assistant secretary. No.
familiar with the books of account and have examined all books, records, and documents kept by Chase concerning the transactions alleged in the complaint."
records, and documents prior to signing this affidavit? No.
documents concerning the transactions alleged in the Ph. 561.682.0905 - Fax. 561.682.1771 1655 Palm Beach Lakes Blvd., Suite 500 - West Palm Beach, FL 33401
So you don't have any extra duties or
Also in paragraph 2 states "That you are
Were you familiar with all the books,
Did you look at any books, records, and
A. Q. loan? A. Q. A. Q. A. Q. A. Q. A. Q.
complaint prior to signing this document? No. It goes on to say "The books, records, and
documents are kept by Chase Home Finance in the regular course of its business as servicer of the loan transaction." Is Chase the servicer of this
see if plaintiff owned the loan? No.
state that Chase would keep these documents in the regular course of its business as servicer of the
loan transaction rather than just saying Chase has these records because they own the loan?
basically the Chase Home Finance listed as the servicer gives us the right to sign.
was owned by someone else?
And does Chase also own the loan?
And how do you know? They're listed as the plaintiff. And did you look at any other document to
Any reason to know why the affidavit would
If the loan were owned by somebody else --
And do you know in this case if the loan
A. Q. A. Q. A. Q. there. A. Q. A. Q. A. Q. A. Q. A. Q.
Page 9 Previously, no. Do you know who would have more knowledge
of that? The folks that have the file in Monroe. And that's in Monroe, Louisiana. Yes. And that's where -- well, tell me what's
a custodial vault that would hold the original note, if any, and the original mortgage, if any? Yes.
Monroe, Louisiana?
would be, the title policy, the assignments, if any. Those documents, the originals would be
kept in Monroe and you would have access to see those documents through iVault if you so chose, correct? Yes.
guess, pertinent to the foreclosure action. Yes.
The original files. And by original files, are you speaking of
Do you know what else would be stored in
In addition to the note, the mortgage
And that would include all documents, I
When you look at a document on iVault, are
A. Q. A. Q. A. Q. A. Q. A. Q. A. Q. A. no. Q. A. Q. that?
they color copies? No. Are any documents color copies on iVault? Not that I'm aware of. Do you know if in this case any documents
in the iVault were color copies? No. No, you don't know -I don't --- or -None of them are color copies. And how do you know? When did you look at
the iVault records pertinent to this case? I looked at some yesterday. And what did you look at? Just the amount due affidavit. Actually,
that that was imaged. remember.
It was the Koren file.
scanned into iVault? Yes.
It wasn't the affidavit because I don't believe I don't -- I'm trying to
I don't believe I did look on this case.
Do you ever print documents that have been
And when would you have occasion to do
A. Q. asked? A. Q. A. Q. A. Q. A. Q. A. Q. A. team. Q.
Page 11 When they're being asked to provide the
deed of trust or assignment or the note. And when you say when they are being
asked, who would be doing the asking and who would be
Usually it's the trustee and when we're
doing a verification to verify that the loan is in Chase's name.
were requested to be printed out from iVault? I do not know. Do you know who would have more knowledge
or is he a supervisor?
me what their duties are to the extent you know?
And do you know if in this case any copies
He's above me, but I do not report to him.
Do you know Tom Reardon?
He is assistant vice president.
What is his relation to you in term of
He is over a group of litigation support
The litigation support team, can you tell
Is he on the same level as yourself
A. Q. A. Q. A. Q. A. Q. owing? A. Q. A. Q. that. A. Q. A. Q.
Page 12 No. Besides the deposition yesterday taken
again in the Chase Home Finance versus Koren case, when were you deposed prior to that? Last week. And what -- was it a foreclosure case? Yes. And can I ask about what matters you For example, was it in regards to another
affidavit you had signed or some other document you had signed?
deposition you had; is that correct? Yes. Okay. Chase related.
First American, J.P. Morgan, that was the only
An affidavit I had signed. It was an affidavit as to amounts due and
You said yesterday that was the only prior
So that was the only -- whether Chase,
You had taken depositions prior to
A. Q. A. Q. A. Q. A. Q. A. Q. A. Q. A.
deposition prior to yesterday that you had given in a foreclosure case. Yes. I asked a similar question in regards to
your assistant secretary title, but you also sign documents as vice president, correct? Yes. Do your duties change in any fashion based
upon the fact that you also have the title of vice president on some documents? No.
duties. No.
stated that "The records were made at or near the
time by and from information transmitted by persons with personal knowledge of the facts such as your affiant."
made the records, do you know who they are? On the system do you mean?
So you don't attend any extra meetings.
And you don't have any extra supervisory
Back to paragraph 2 on the affidavit.
The persons with personal knowledge who
Well, just what you said here.
Basically those are the records that we go
by. Q. A. Q. A. Q. A. Q. A. Q. A.
Records in the system.
In what system are
you referring to? MSP. So when this says that "Those records
which are referred to in this affidavit were made by persons with personal knowledge of the facts," who were the persons with personal knowledge of the facts that made those records if you know? I don't know. Can you name anyone who made some of the
records referred to in that sentence? No.
and documents which affiant has examined are managed by employees or agents whose duty it is to keep the books accurately and completely." the employees or agents were?
of these books, records, and documents, you can't state which employees or agents managed those records. No.
It goes on to state "The books, records,
I can only state who provided the numbers
So in terms of the day-to-day management
Can you state who
Page 15 And, again, when it says the books,
records, and documents which affiant has examined, you're affiant, correct? Yes. And when it says you have examined them,
you stated you didn't examine any records, right? Yes. It states "That the employees or agents
whose duties it is to keep the records of the books accurately and completely." Can you state what
policies are in place to keep the books accurately and completely?
that are being applied -- that are applied to the loan based on what is given to us, and they go in and make sure that those are correct. They are trained
to look at that closely and look for any discrepancy because it should balance.
was used on this particular affidavit.
knowledge of whether the quality control process was used as to this affidavit? No.
Our folks are trained to look at the fees
There is, but I don't know that it
First, do you know who would have more
Q. same? A. Q. A. Q. A. Q. group. A. Q. A. Q. A.
Page 16 And is that quality control process
managed by a different group than yours or is it the
It is -- it was at one time.
supervisors, team leads work together to provide a quality control check. Can you describe that process for me. Samples are pulled based on what they do
in one day and those are checked by -- at that time they were checked by another group. You stated samples are taken. Do you know
how many out of a certain day's might be taken, such as a percentage of how many are tested? Three percent.
another team within our group to check the records.
affidavit went through the quality control process? Yes.
numbers that were entered.
Can you describe for me -- take me through
And you say they're checked by another
They would actually be pulled and given to
Is there a way to tell if this particular
There would be a spreadsheet of loan
Q. A. Q. A. Q. A. Q. A. Q. A. Q. A. Q. A. Q.
Page 17 And where would that be entered? I'm sorry. I didn't hear you.
And where would that be entered? That would be entered on a shared drive on
a spreadsheet. Not a data base or not iVault. No. Just be in your internal files. Yes.
something doesn't add up based on a quality control review, what happens then?
staff, and they are shown the mistake.
indication that these figures were incorrect or there was any discrepancy? No.
"Furthermore, affiant has personal knowledge of the matters contained in the books, records, and documents kept by Chase Home Finance."
stated you didn't look at any books, records, and
Is there a name for that? Just quality control. If there's something wrong or incorrect or
It's brought to the attention of the
With this affidavit, were you brought any
Final sentence of paragraph 2,
A. Q. A. Q. A. Q. A. Q. A. Q. A. Q. A. Q.
documents prior to signing this affidavit. Yes. So you don't have or at the time you
signed this you did not have personal knowledge of the -- of any books, records, and documents kept by Chase Home Finance; is that correct? That's correct. In paragraph 4 can you state who put these
numbers in?
someone you supervise? Yes.
control over her. No. Yes.
in paragraph 4? Yes.
I believe it was Sharon Gerhart. And what's her title? She was a senior -- a senior lead. A senior lead. Okay. Is that -- that's
So at this time she was just a member of You didn't exercise any supervisory
Does that say August of -- 7th day of She did report to me.
And what about the one figure that is not
She's now -- yes.
And did she input all the figures
A. Q. A. Q. A. Q. A. Q. A. Q. A. way. Q. A. Q.
handwritten? That was there from the attorney. The
attorney inputs that. So she did not input that number. No. And this number is computer generated
through automatic computation based on what you call through date, which is this July 29 date, correct? Yes.
the purpose of producing this affidavit?
data base or computation system, entered that through date, and it produced this number; is that correct? I don't know. We would verify it either
system we use and which I brought a screen shot.
date; is that correct?
date, that will produce a figure; is that correct?
And do you know who input that date for
They have -- they are able to look at the
The attorney. And how do you know that? They prepare this document. So the attorney actually went in to your
And the attorneys are able to enter that
They can enter the date.
And then by virtue of entering the through
Page 20 I actually don't know if they can enter They
the date because they can't -- they can view.
also have Vendorscape that should have given this same amount at the time of referral, and that's just looking at the screen, the loan. I believe they're
very limited on what they can do on the system. But attorneys can alter some information
on some of your systems; is that correct? No. I don't believe they have any -- they
can alter anything. Even if they've been trained to do so. They have been -- if they've been trained,
your system could put some limited information on your system; is that correct? Yes.
data in the sense that they can update or --
system put in a through date such as this one, that
would not alter any records on your internal system. It wouldn't alter -- change anything. It
would just give them a figure.
So attorneys that have been trained to use
Only to produce numbers but not to change
So if an attorney who is trained on your
Page 21 So then attorneys -They could change the through date and it
would give them another figure but it's not going to change the numbers on the system based on permanent record. So attorneys cannot go in and make any
permanent changes to the system.
an attorney went on your system, entered a through date to produce a number like this?
produce this number, you've stated that does not stay on your system at all. I'm sorry. Sure.
was trained to use your systems goes on, enters the
through date for the purpose of getting the computer to automate this number, when the attorney enters
that through date, does that -- that does not stay on the system in any fashion. No.
time I would go into the system and change the
through date myself, it's going to go back to another Ph. 561.682.0905 - Fax. 561.682.1771 1655 Palm Beach Lakes Blvd., Suite 500 - West Palm Beach, FL 33401
Right. So would there be a record of when or if
And when they enter a through date to
It would go -- it would default.
An attorney, say an attorney who
date. Q. A. MSP. Q. A. know. Q. A. Q. A. Q. A. Q. A. Q.
Page 22 I would have to enter that through date every
time if I wanted to see it. Okay. So --
The through date is just built in for the But as I stated, that's if they are using
Right. They could be using Vendorscape. I don't
system, no information entered by attorneys trained to use your systems would remain there even if they entered it; is that correct? I don't believe they can enter data -Can they --
view records --
number, such as, computing a late charge through a certain date.
But on either Vendorscape or the other
-- that would alter numbers.
Can they enter anything on the system
So the only thing attorneys can do then is
-- or use your systems to produce a
A. Q. A. Q. A. Q. vault. A.
Page 23 Yes. But that would also be a late charge
that's on Vendorscape. Tell me the difference between the two You said it could be on Vendorscape, it
could be on MSP. Vendorscape is a way for us -- for the
attorneys and the staff to communicate with one another in the sense that they can actually view the same thing we're viewing as far as a late charge, the principal balance, that type of thing. But in DRI,
when we send a message, and that's where we update the system, they would actually be able to see that on Vendorscape. I know of. They do not have access to DRI that
loan, they go in and update the system. shows when the referral was.
information on the loan and foreclosure.
information if a loan went in or out of the custodial
attorney uploaded something, if it was incorrect, we would send a message to Vendorscape, they would
And DRI, what records does that contain? Basically any time somebody touches the It also
So, for example, they would have
I believe DRI is more or less if the
Q. A. Q. A. Q. DRI? A. Q. A.
Page 24 That's what it's used for, Somebody touches
receive it, correct it.
any kind of default related issue.
the loan, they talk to the attorney, they update it, we can view those notes. When you say when someone touches the
loan, tell me about circumstances that you mean. Documents that are uploaded within our
group, they have to update DRI each time they process one of these documents, and there is part of a foreclosure team that would do the same. Vendorscape on the other hand you said
would be primarily for the attorneys to view. We view it as well, the staff. So what's the difference between that and
that allows us to communicate with the attorneys.
They can upload the documents where we actually print them and process them, notes are actually posted there by the attorney also.
you alter something, you need to let the attorneys
know there's a new document in the file or something has changed, correct?
DRI is internal.
So DRI, that would be an instance where
Something that needs corrected.
Vendorscape is a system
Page 25 And do you know of anything that needed
correcting in this case? Not right offhand. No.
Did you review DRI to look for any such
messages prior to signing this affidavit? No. And in contrast Vendorscape would be the
attorneys when they send you stuff, correct? Yes.
record of when Chase obtained the loan if there was a previous owner, correct? We would get MSP for that. What about if a note was lost, would that
be notated in DRI when you eventually located where the note was?
uploaded and asked us to process, execute.
or is it just the messaging system? It doesn't store.
data on the loan, correct? Yes.
DRI then would have a -- or would have a
Only if a lost note affidavit was asked or
Does DRI actually store all the documents
Now, tell me about MSP, that also stores
It just stores the data
Q. DRI? A. Q. A. Q. A. Q.
Page 26 What's the difference between that and
Does DRI pull the numbers from MSP somehow? No. MSP, sometimes you will see people As I stated
actually post data from MSP into DRI.
earlier, you can actually send the note to Vendorscape from DRI where the message would be sent to the attorney; they can view it on Vendorscape at that point.
generally see on MSP, for example, payment histories, et cetera.
see the escrow, the principal balance, the late
when -- if the loan was acquired and what date. Would MSP also have information on if a
note were lost and then it were found, would that be inputted somewhere on MSP?
we could go to and look for that. something we would do there.
to see if the lost note -- there was a lost note. So it's possible then that on the note
section of MSP someone might have said, we looked for it at this facility, we couldn't find it.
If you could list in detail what would you
You can see the payment history.
You can see -- you can go in and see
It's possible there would be a note screen That's not
We would look elsewhere
A. Q. A. Q. A. Q. A. works. Q. A.
Page 27 It's possible. And similarly, it's possible in a case
where you stated although you can't locate the note at that time, that when it later comes into your possession that would be notated on MSP. On DRI. That would be on DRI. Do you know much
about the practice of attorneys in foreclosure suits on behalf of your company filing lost note accounts? I don't think I understand what you're
practice of Chase to instruct its attorneys to state that a note is lost?
the original file to look at the note.
no note or if they find that it's just a copy, that's when they would upload a lost note affidavit to
Vendorscape stating that they need to execute it.
if the note was in the file before it went to their office.
In your knowledge is it the
Do we instruct them?
Basically they usually will get the file, If there is
We, in turn, would do our research to see
And if that were the case, that the note was
Q. file? A. Q. A. Q. A. Q. A. Q. A. Q.
in the file, we would not process the lost note affidavit; and that's where we would update DRI stating that Chase is in possession of the note. When you say the attorneys get the
original file, are you speaking of -- well, which There's a custodial file. Custodial file. And that would be obtained from where? Monroe, Louisiana. And would that always be submitted to the
attorneys prior to a foreclosure suit being filed?
within ten days of the referral. Is it the practice of Chase to go through
that original file and see if there is merely a copy of the note or an original note prior to sending it on to the attorney?
they will still send it on to the attorney.
was in the file before it went to the attorney.
are iVault, which is simply a device you use, what, to view scanned documents?
Once the case is referred, it's usually
It is their practice.
If there is no original note in the file,
They will notate that there was -- what
The other systems that you have you said
Page 29 Yes. That doesn't contain data, that doesn't do
computations of amounts due, correct? No. That is correct. It's just a storage
for data, image copies. And what other systems would you use?
We've gone over DRI, MSP, and iVault.
actually order the file ourself, but no other system.
original file yourself? If there is -- I've ordered files that
they've said that there isn't the note and I'll order the file or the assignment, they needed the assignment, and I'll order the file myself.
order a file? Yes.
master spreadsheet of all files ordered.
no original note present, what do you do then?
Vendorscape. Vendorscape. Yeah. And what else?
There have been times when we would
When would you have occasion to order the
Is there a record of that if and when you
And what system would that be? It's also on the share drive.
If you order an original file and there's
A. Q. A. Q. A. Q. that? A. Q.
Page 30 I would let the attorney know there was no
original, and at that point in most cases it would go to the attorney, but I would actually let them know that we could at that point process the lost note affidavit. And do you have a policy for continuing
the search for a lost note if you enter a file without the original note? They would in Monroe. They would continue
to search for the note. And those continuing searches, or really
any searches, is there a way for you to tell when those occur on any of your systems or internal files?
file that says, well, you know, Monroe told us it's not present and they're looking for it, and they've run a couple searches through the file, that has never occurred where you've seen a notation like
than not that in a case where you have an original file without an original note, that that note is
Would that be something -- okay. So you have never seen a notation in a
That would probably be in an e-mail.
Would you say it's common or more common
A. Q. A. Q. A. Q. A. Q. A. Q. A. time.
eventually found? I would say that's uncommon, more
uncommon. When you're signing documents such as
affidavits, assignments, and things like that, you said you have a signing time. Yes. And you said you have a whole stack of
documents ready to be signed, and you're next to a notary; is that correct? Yes.
approximate if you could.
the math, over 100 documents a day, would that be correct on average?
signing time, do you actually stop and take an oath each time on each document with her -- him or her sitting there?
of taking an oath?
There are four signings throughout the day.
And for each document -- well, first, You're signing, based on
When you're sitting next to that notary at
On each document, no.
So how do you do it then for the purposes
At the time of the signing, I affirm each
Page 32 When you say you affirm, can you explain. That's exactly what I tell her or him --
right now it's a her -- that I affirm. That you affirm that it's your signature
or you affirm everything is correct or -Both. At the signing time, I can only assume
that that name -- you are actually there signing documents and then handing it to a notary, would that be a correct assumption? Yes.
for each notary at the signing time sessions?
ratio at a signing time, how many signers to how many notaries?
that you'll sign one document, hand it over, and she'll immediately notarize it?
the person who verified all the information that sent it to the signing table. Once I affirm, I will --
and sign the documents in that folder -- I would give Ph. 561.682.0905 - Fax. 561.682.1771 1655 Palm Beach Lakes Blvd., Suite 500 - West Palm Beach, FL 33401
Is there more than one signer of documents
How many if you could give me a typical
And are you doing these one at a time in
It basically comes in a folder based on
it to her at that point. So you'll sign all the documents and then
hand that pile of documents to the notary. Yes. And when you say you affirm, again, would
you do that over the whole file or as you sign each document you would say I affirm this one as well?
you do anything to verify that these numbers were correct prior to signing the affidavit?
this loan prior to signing this affidavit that would contain any of these charges that are on this affidavit? No.
services of Florida Default Law Group and explains the fee. Have you ever seen a fee agreement with
Florida Default Law Group? No.
that fee arrangement; is that correct? That's correct.
It would be all the documents.
Back to the affidavit in paragraph 4, did
Did you look at any records pertaining to
Paragraph 5 is about Chase employing the
So you don't have personal knowledge of
Q. A. Q. A. Q. A. Q. No. 1. A. Q. A.
Page 34 And this Wenona Church, you know her. Yes. And you know her personally. Yes. And who drafted the affidavit, other than
the handwritten figures, who drafted this affidavit? The attorney. - - -
Exhibit B, which is the duces tecum, and I'll ask you what you have brought today in response to Request
response to No. 2.
And thereupon, Defendant's Exhibit B was
Nothing. MR. ZACKS:
I'll ask you to flip to Exhibit A of this
And I'll ask you what you brought in
I brought the incumbency certificate. We'll enter that, please. - - -
And thereupon, Defendant's Exhibit C was
Q. A. Q. A. Q. A. Q. A. Q. is? A. Q. A.
BY MR. ZACKS: Now, this incumbency certificate allows
you to sign as assistant secretary, correct? Correct. But it does not require you to take on any
additional duties, correct? Yes. Nor any additional supervisory duties. Correct. Just to sign, which I believe is
the additional duty. And is this appointment or incumbency
certificate perpetual or is this a time-limited ability that you have to sign as assistant secretary? I don't believe it's limited. And Denise DesRosiers, do you know who she
response to No. 3.
I'll ask you anything you brought in
I brought records from our MSP center. And we'll enter those. - - -
And thereupon, Defendant's Exhibit D was
Q. top. A. Q. A. Q. A. Q. A. Q. A. Q.
BY MR. ZACKS: And you've provided a document in response
to No. 3, the title of which is 3270 Explorer at the We asked for documents upon which you were
familiar and upon which you relied on in executing the affidavit. Did you view these documents you just
handed me prior to making the affidavit?
idea of what we're looking at here, please. You'll see the principal balance and the
interest, escrow, and the escrow is based on today's date, the late charges, and the fees. And this is the MSP system; is that
manner of a final computation, correct? Yes.
to create this final -- or these final balances as of today, do you know who put in those individual transactions? No.
And if you would just give me a general
And you don't -- this is a -- in the
So the individual numbers that were used
And these documents you handed me today,
A. Q. A. Q. A. Q. A. Q. A. Q. No. 4? A. Q. No. 5? A. Q.
have you done anything to verify that these numbers are correct? I did my own amount due, but not prior --
I did my own amount due at the -But you didn't -Prior to. Right. You didn't double check this --
these pay-out figures prior to the affidavit being signed.
$30 fax fee.
of that? No.
I reviewed after I signed. Okay.
we've gone through 1 through 5, take your time, and Ph. 561.682.0905 - Fax. 561.682.1771 1655 Palm Beach Lakes Blvd., Suite 500 - West Palm Beach, FL 33401
On the second page of Exhibit D I see a Do you have any idea what that is?
Do you know who would have more knowledge
Do you have any documents in response to
All the documents I brought are that
Any documents in response to
So I'll ask you blanketly then,
A. Q. A. Q. in. A. Q. A.
if you would review Requests 6 through 13 and I'll ask you if you have brought any documents responsive to those requests. No. And you've brought some documents. Can
you tell me what they are. They're screen shots of the history on the
loan that allows us to put the numbers given on the amount due.
I'll go ahead and enter those.
at here, please, just in terms of what system are we
entire loan transaction history or what --
any transactions that would have taken place for the amount due for the property preservation. You're
And thereupon, Defendant's Exhibit E was
Again, can you tell me what we're looking
This is still on MSP.
Based on the amount due, you're looking at
And is this an
Q. A. Q. A. Q. A. Q. A. BPO. Q. A. Q.
Page 39 I believe I've given a
also looking at the interest.
screen shot where all that information, this is what you would see given the through date. And this screen shot is also from MSP? Yes. - - And thereupon, Defendant's Exhibit F was
documents, you did not review any of these prior to signing the affidavit.
be a receipt for that somewhere?
possible there was an image. And on Page 2 --
third from the bottom, Foreclosure Service and below Ph. 561.682.0905 - Fax. 561.682.1771 1655 Palm Beach Lakes Blvd., Suite 500 - West Palm Beach, FL 33401
And for this Exhibit E, these MSP
I can tell the transaction code, but it's
BPO, is that a standard fee or would there
There should be an invoice.
I just know that on there it would show
It's probably in the file.
-- to the right side towards the bottom,
A. at. Q. A. Q. A. Q. A. Q. A. Q. A. Q. A. Q.
that Foreclosure Fee, can you tell me what those charges are, please, if you know. Those are not anything that I would look
This screen I'm looking for your inspections. So you don't know what -- when the code
says AT Florida on the payee column -Based on the reason, it's foreclosure fee. And do you know what that would be going
from the bottom there is a term Writedowns, do you know what that is? No.
something you had knowledge of?
That's one of the reason codes that I would be looking at.
Page 3 of Exhibit E I see second and third
Do you know who would have more knowledge?
Inspection on 7-17-09, would that be
That would be part of the inspection.
And would that be something used to
A. Q. A. Q. A. Q. A. Q. A. Q. A. Q. A. Q. A. sorry. Q.
produce the affidavit? Yes. So the person who input those figures
might conceivably have looked at this. Yes. And you yourself did not verify that this
amount was correct.
processing -Yes.
some highlighted figures. looking at, please.
That's correct. And you haven't seen an invoice for that.
Do you know if there were an invoice where
It would be in invoice processing would
And is that a department, invoice
-- or is that part of another group? It's a department.
And in Page 6 of Exhibit E I see we've got Can you tell me what we're
We're looking at a hazard insurance. Hazard insurance.
And first you've got highlighted 351.
It's another team. I'm
What does that mean? That's the transaction. That's a code? Yes. And the amount, again, you've got it
highlighted, were you just taking a look yesterday in preparation for the deposition?
the affidavit. No.
the deposition, did you verify that it was correct?
account and find that -- and found that it balanced. And these figures on the pages where
you've highlighted some of the escrows, again, those figures are produced based on the transactions that
are entered right along as you get an escrow payment
or you don't get an escrow payment or as you disburse one, correct? Correct.
So you didn't take a look at this before
When you took a look in preparation for
And how did you do that? I was able to look at the escrow on the
And you've indicated you don't know who
inputs those individual transactions. No. You don't know if those individuals have
personal knowledge of the transactions when they enter them. No. Did you speak to anyone before signing the
affidavit who had anything to do with entering those escrow figures? No.
same exhibit, and this page at the bottom was printed out on 5-17, 2010, at 8:31:07 a.m. On this page can
you tell me what the GEN STP ACR means, if you know. No, I don't.
knowledge of that? No.
general late charge? Yes.
case or is that based on something?
And I'm not sure what page we're on, but
And do you know who would have more
GENR LT CHRG, can I assume that's a
And is that a standardized fee in every
That is not -- it wouldn't be a standard. How would it vary from case to case?
A. Q. A. Q. rate? A. Q. A. No. Q. A. Q. A. Q. A.
Page 44 The late charges are based on -- I don't
see it here -- they're accrued daily. They're accrued daily. Are they accrued
at a consistent rate? Would be, yes. Who's responsible for determining that
that daily rate was correct? It had nothing to do with my amount due.
pardon me -- preacceleration late charges on your affidavit; is that correct? That's correct.
with preacceleration late charges; is that correct? Well, I believe that the preacceleration
late charges was given and that's with the through date and there is a screen shot showing that.
then if you needed to verify, not these individual transactions.
The one who gave the loan. And did you do anything to verify that
But there is a spot for prepaid late --
But this late charge doesn't have to do
So you would only look at the screen shot
I would verify it, make sure it matched
our system in DRI. So you wouldn't use these documents on MSP
to verify late payments -- late charges. Not those screen shots. A document that was printed 5-17, 2010,
8:34:43 a.m., can you tell me what FP Fee Payment is, please, if you know.
Curtailment REV, do you have any idea what that is?
there's a transaction entitled Curtail Cash, any idea what that is? No.
transaction, first one listed at the top, Fee 1 COLL Cash for 25, any idea what that is? No.
Document printed 5-17, 2010, 8:35:48 a.m.,
Document printed the same date 8:35:54,
A document printed 5-17 at 8:36:27 a.m.,
Page 46 And the next one is UNAP DR Cash for 500,
any idea what that is? Has nothing to do with my amount due. And for both of those transactions, any
idea who would have more knowledge about what those charges are? No. When you say a transaction like that has
nothing to do with the amount due, how can you be sure that that doesn't go into the total amount of outstanding amounts due?
ones that were highlighted, and you'll see in the middle of the page the GESD code, that's where I know how -- where it came from or what it was applied to. Those are the only figures that we would be putting on these documents.
the bottom here INT ACCR DR, any idea what that is? No.
what that is? No.
again, this is a guess, but if those had to do with Ph. 561.682.0905 - Fax. 561.682.1771 1655 Palm Beach Lakes Blvd., Suite 500 - West Palm Beach, FL 33401
The codes that I am looking at are the
A document printed 5-17, 8:36:51 a.m.
And below that Interim INT CR, any idea
If those are, in fact, some kind of,
A. Q. A. Q. A. Q. A. due. Q. A. Q. A.
the interest, which is what I can assume INT means, isn't interest a part of your affidavit that you signed? That's not where I get my interest. Those
are merely for what is in the escrow.
my code -- the codes that I'm inputting data on. So this -- those transactions do not get
checked -- well, first I'll ask you, you did not check those transactions prior to signing the affidavit.
there was a problem brought to your attention by someone else; is that correct? That's correct.
were, correct?
exactly we're looking at here, please.
That's correct. And you would only check those numbers if
And you don't know what those transactions
They have nothing to do with my amount
And if you can tell me, Exhibit F, what
This is the screen that you would get
But you don't know what they are;
after inputting the through date. And the screen in the MSP system. Yes. And how is that different from the first They look similar in
set of documents you gave me?
terms of they look like they are final numbers. There is history. This is just a broader The other
exhibit shows me the history. And, again, when did you look at these
these numbers when you looked at them yesterday?
affidavit was filled out correctly.
numbers. Yesterday? Right. Yes, I did.
This shows me history.
And you didn't look at this before signing
And did you have cause to review any of
I was just looking to make sure that the
So you didn't double check any of these
So you did some of your own calculations.
Page 49 Yes. Do you have a record of some of those
calculations? I just looked at here where I did my own
amount due. And -The only thing different is the escrow.
When the amount due was processed, there was hazard insurance, which is what this is, that came out after the amount due.
and owing, again, were you calculating numbers or were you just going off what the screen printout from
MSP here --
individual transaction that led to the final
production of these numbers on Exhibit F; is that correct?
these were correct, yes, for the escrow. And for the --
When you say you made your own amounts due
I calculate to make sure that it balances. So you didn't go back and check each
I did my own calculations to ensure that
The late fees, no.
And any other numbers on the affidavit. Just that they matched.
Page 50 Just that they matched. Okay. That would
That's not this screen though.
be the very first screen of the last exhibit, and that was called the DDCH screen. For the escrow when you stated you did
your own calculations, just take me through, if you would, what exactly did you do.
I have to go to a history screen, and that shows me -- I can see where the escrow changed and make sure that that escrow that came out, look at the transaction code to see where it went and make sure that it adds up to this amount. So you make sure that they balance as you
say, correct? Yes.
escrow transaction was correct. No.
the numbers on your affidavit did what you did or if they actually went back and made sure that each individual escrow transaction was correct?
I go to the Pay For screen, this gives me Because I don't know where it came from,
You don't make sure that each individual
And do you know if the person who entered
I would say that they did what I did.
Q. A. Q. A. Q. A. Q. A. this. Q. A. Q. A. Q. A. Q.
Page 51 Okay. But I don't know for sure. And on the affidavit who stamped your name
in if you know? I don't know. Would it typically be the person who wrote
in the figures or no?
comfortable -- you said you're not sure. explain why you're not sure?
stamped that you were signing as on the front page? Oh, the person that sent the amount due.
The person that filled out the figures.
that -- you said you have a sheet that tells you what title you need to sign as. Yes.
It would be. And in this case why don't you feel Can you
I can only guess who did it, who put the I'm not 100 percent sure.
I don't believe I looked to see who did
And who decided what title would be
And how -- and they would determine
Who produced that sheet?
When you say we, you mean?
Page 52 At the time the manager of the group. Is the manager an attorney? No. Did you double check in this case to make
sure that you were signing as the correct title? I know I can sign the amount due as
assuming you just go over that sheet that you said that tells you.
before you even begin your training so you become familiar with how to stamp the documents, and that's how we start out training to familiarize yourself with the stamping of the documents.
affidavit? Yes.
And what do you base that on? Based on the training provided. And tell me about the training. I'm
Everybody has that sheet.
It is disbursed
This affidavit, did you hand sign this
And how do you know? It's my handwriting.
Do you remember signing this particular
I can't say that I do, almost a year ago.
Q. A. Q. A. Q. true. A.
Page 53 You will agree that when you signed this
document, you were under oath. Yes. And you have already stated in several of
these paragraphs where you stated you have personal knowledge of books and records, personal knowledge of people responsible for making those books and records, personal knowledge of the accuracy of those records, that you, in fact, had no personal knowledge; is that correct? That's correct. And you do understand that it is perjury
to swear to things in a court of law that aren't
continue the depo should any documents be discovered that the deponent relied on in producing the
affidavit, that we requested as part of Exhibit A to our notice of deposition, I have no further questions.
would like to read and sign.
(Signature not waived.)
With the reservation to
I have no questions. We
Page 54 - - And, thereupon, the deposition was
concluded at approximately 10:15 a.m. - - -
Page 55 : SS:
County of Franklin: I, BETH ANN COTTRELL, do hereby certify
that I have read the foregoing transcript of my deposition given on May 18, 2010; that together with the correction page attached hereto noting changes in form or substance, if any, it is true and correct.
transcript of the deposition of BETH ANN COTTRELL was submitted to the witness for reading and signing; that after she had stated to the undersigned Notary Public that she had read and examined her deposition, she signed the same in my presence on the ______ day of _______________________, ___________.
My commission expires _____________________________ - - -
_____________________________ BETH ANN COTTRELL
Page 56 CERTIFICATE : SS: :
I, Ann Ford, Notary Public in and for the
State of Ohio, duly commissioned and qualified, certify that the within named BETH ANN COTTRELL was by me duly sworn to testify to the whole truth in the cause aforesaid; that the testimony was taken down by me in stenotypy in the presence of said witness, afterwards transcribed upon a computer; that the foregoing is a true and correct transcript of the testimony given by said witness taken at the time and place in the foregoing caption specified. I certify that I am not a relative,
employee, or attorney of any of the parties hereto, or of any attorney or counsel employed by the parties, or financially interested in the action. IN WITNESS WHEREOF, I have set my hand and affixed my seal of office at Columbus, Ohio, on this 26th day of May, 2010.
________________________________ ANN FORD, Notary Public
in and for the State of Ohio and Registered Professional
Page 57 A ability 35:13 able 19:19,21 23:12 42:16 access 9:19 23:13 account 7:17 42:17 accounts 27:9 ACCR 46:19 accrued 44:2,3,3 accuracy 53:8 accurate 5:22 accurately 14:17 15:10,11 acquired 26:15 ACR 43:14 action 9:23 56:16 actual 7:3 add 17:13 addition 9:16 additional 35:6 35:8,10 adds 50:14 affiant 13:21 14:15 15:2,3 17:22 affidavit 3:9 5:12,25 6:2 7:22 8:16 10:16,17 12:10 12:12,13 13:17 14:6 15:21,24 16:21 17:17 18:1 19:11 25:5,17 27:21 28:2 30:5 33:9 33:11,14,16 34:5,6 36:6,7 37:8 39:13 41:1 42:10 43:8 44:15 47:2,10 48:14 48:19 49:24 50:22 51:3 52:18,19,24 53:19 affidavits 31:5 affirm 31:24 32:1,3,4,5,24 33:5,7 affixed 56:18 aforesaid 56:7 agents 14:16,18 14:23 15:8 ago 52:25 agree 53:1 agreed 4:20 agreement 33:20 ahead 38:11 al 1:7 alleged 7:19,25 allows 24:17 35:2 38:8 alter 20:7,10,23 20:24 22:16 24:22 alternate 7:14 American 12:25 amount 3:9 5:12 10:16 20:4 37:3,4 38:9,23 38:25 41:7 42:5 44:11 46:3,9,10 47:18 49:5,8 49:10 50:14 51:17 52:6 amounts 12:13 29:3 46:11 49:11 Anderson 1:13 Ann 1:10,17 3:4 4:3 55:3,9,12 56:3,5,20 answers 4:21,22 APPEARAN... 2:1 appeared 5:17 applied 15:14,14 46:15 appointment 35:11 approximate 31:13 approximately 54:3 April 56:24 arrangement 33:24 asked 11:1,4,5 13:4 25:17,18 36:4 asking 11:4 27:11 assignment 11:2 29:16,17 assignments 9:17 31:5 assistant 7:2,7 7:14 11:18 13:5 35:3,13 52:7 assume 32:7 43:19 47:1 assuming 52:11 assumption 32:10 attached 55:6 attend 7:12 13:12 attention 17:15 47:13 attorney 2:2,7 19:2,3,12,15 20:21 21:10,17 21:17,20 23:24 24:3,20 26:7 28:17,20,22 30:1,3 34:7 52:2 56:14,15 attorneys 19:21 20:7,14 21:1,6 22:11,20 23:7 24:12,17,22 25:8 27:8,13 28:4,11 August 18:20,21 authorized 7:9 automate 21:20 automatic 19:7 Avenue 2:3 average 31:15 31:16 aware 10:4 a.m 1:13 43:13 45:6,12,22 46:18 54:3 B B 3:10 34:9,14 back 13:17 21:25 33:9 49:16 50:23 balance 15:18 23:10 26:13 36:11 50:15 balanced 42:17 balances 36:21 49:15 base 17:6 19:16 52:8 based 5:23 7:13 13:8 14:20 15:15 16:8 17:13 19:7 21:4 31:13 32:22 36:12 38:23 40:7 42:20 43:23 44:1 52:9 basically 8:22 13:25 23:16 27:18 32:22 Beach 1:2 2:9 behalf 2:6,11 27:9 believe 10:17,19 18:10 20:5,9 22:14 23:23 35:9,14 39:1 44:19 51:12 Beth 1:10 3:4 4:3,10 55:3,9 55:12 56:5 blanketly 37:24 books 7:17,18 7:20,24 8:3 14:14,17,22 15:1,9,11 17:23,25 18:5 53:6,7 bottom 39:24,25 40:15 43:12 46:19 BPO 39:15,20 breakdown 48:8 broader 48:7 brought 17:15 17:17 19:20 34:15,18,20 35:18,20 37:22 38:2,5 47:13 built 22:4 business 8:5,18 C C 3:11 4:1 34:23 calculate 49:15 calculating 49:12 calculations 48:25 49:3,20 50:6 call 19:7 called 50:4 capacity 12:22 caption 56:12 case 1:6 4:21,23 8:24 10:5,13 10:19 11:9 12:3,6 13:2
Page 58 20:18 25:2 27:2,25 28:12 30:24 43:23,25 43:25 51:9 52:4 cases 30:2 Cash 45:19,24 46:1 cause 48:16 56:7 center 35:20 certain 16:12 22:25 certificate 3:12 34:20 35:2,12 56:1 certified 4:5 certify 55:3,11 56:5,13 cetera 26:11 change 7:6,8 13:8 20:19,24 21:2,4,24 changed 24:24 50:11 changes 21:7 55:6 charge 22:24 23:1,9 43:20 44:17 charges 22:5 26:14 33:15 36:13 40:2 44:1,14,18,20 45:3 46:6 Chase 1:4 4:18 4:18,22 7:3,18 8:4,6,9,17,19 8:22 12:3,18 12:24 17:24 18:6 25:11 27:13 28:3,14 33:18 Chase's 11:8 check 16:6,19 37:7 47:9,12 48:20 49:16 52:4 checked 16:9,10 16:15 47:8 chose 9:20 CHRG 43:19 Church 34:1 CIRCUIT 1:1,1 circumstances 24:6 closely 15:17 code 39:20 40:5 42:3 46:14 47:6 50:13 codes 40:23 46:12 47:6 COLL 45:23 color 10:1,3,6,11 Columbus 1:14 56:18 column 40:6 comes 27:4 32:22 comfortable 51:10 commission 55:20 56:24 commissioned 56:4 common 30:23 30:23 communicate 23:7 24:17 company 27:9 complaint 7:20 8:1 completely 14:17 15:10,12 computation 19:7,16 36:18 computations 29:3 computer 19:6 21:19 56:9 computing 22:24 conceivably 41:4 concerning 7:19 7:25 concluded 54:3 consistent 44:4 contain 23:15 29:2 33:15 contained 17:23 continue 30:9 53:17 continuing 30:6 30:11 contrast 25:7 control 15:19,23 16:1,6,21 17:11,13 18:19 copies 10:1,3,6 10:11 11:9 29:5 copy 27:20 28:15 correct 4:25 9:20 12:17 13:6 15:3,16 18:6,7 19:8,17 19:22,25 20:8 20:16 22:13,22 24:1,24 25:8 25:12,24 29:3 29:4 31:10,15 32:5,10 33:11 33:24,25 35:3 35:4,6,9 36:15 36:16,18 37:2 39:14 41:7,8 42:13,23,24 44:10,15,16,18 47:11,14,15,17 47:21,22 49:19 49:21 50:16,19 50:24 52:5 53:10,11,15 55:7 56:10 corrected 24:25 correcting 25:2 correction 55:6 correctly 48:19 Cottrell 1:10 3:4 4:3,10 55:3,9 55:12 56:5 counsel 56:15 County 1:2 55:2 56:2 couple 30:19 course 8:5,18 court 1:1 53:13 CR 46:21 create 36:21 Cross-Examin... 3:5 4:6 Curtail 45:19 Curtailment 45:13 custodial 9:11 23:21 28:6,7 day-to-day 7:8 14:21 DDCH 50:4 decided 51:15 deed 11:2 default 2:2 21:23 24:2 33:19,21 defendant 4:11 Defendants 1:8 2:11 Defendant's 3:8 3:10,11,13,14 3:16 5:4 34:9 34:23 35:23 38:13 39:7 Denise 35:15 department 41:15,19 depo 53:17 deponent 53:18 deposed 5:17 12:4 D deposes 4:5 D 3:1,13 4:1 deposition 1:10 35:23 37:11 3:10 4:21,24 daily 44:2,3,10 12:2,17 13:1 data 17:6 19:16 42:7,13 53:20 20:20 22:14 54:2 55:5,12 25:21,24 26:4 55:15 29:2,5 47:6 depositions date 19:8,8,10 12:19 19:17,22,23,25 describe 16:7,16 20:2,22 21:2 description 7:8 21:11,13,19,21 DesRosiers 21:25 22:1,1,4 35:15 22:25 26:15 detail 26:9 36:13 39:3 determine 51:19 44:21 45:18 determining 48:1 44:6 day 16:9 18:20 device 28:24 31:14,25 55:17 difference 23:3 56:19 24:14 26:1 days 28:13 different 16:2 day's 16:12 48:4 49:7
Page 59 disburse 42:22 disbursed 52:13 discovered 53:17 discrepancy 15:17 17:19 document 3:13 3:15 5:9,19 6:6 6:14,17,25 8:1 8:13 9:25 12:10 19:14 24:23 31:12,19 31:21 32:20 33:7 36:2 45:5 45:12,18,22 46:18 53:2 documents 7:10 7:18,21,25 8:4 8:17 9:18,20 9:22 10:3,5,21 13:6,10 14:15 14:22 15:2 17:24 18:1,5 24:7,9,18 25:19 28:25 31:4,9,14 32:9 32:12,25 33:2 33:3,8 36:4,6 36:25 37:17,20 37:22 38:2,5 39:12 45:2 46:17 48:5 52:15,17 53:17 doing 11:4,7 32:19 double 37:7 48:20 52:4 DR 46:1,19 drafted 34:5,6 DRI 23:10,13,15 23:23 24:8,15 24:16,21 25:4 25:10,15,19 26:2,2,4,6 27:6 27:7 28:2 29:7 21:10 22:11,13 42:21 50:21 entering 19:24 43:8 enters 21:18,20 entire 38:22 entitled 6:11,20 45:19 escrow 26:13 36:12,12 42:16 42:21,22 43:9 47:5 49:7,21 50:5,9,11,12 50:19,24 escrows 42:19 et 1:7 26:11 eventually 25:15 31:1 Everybody 52:13 exactly 32:2 E 47:24 50:7 E 3:1,14 4:1,1 examine 15:6 38:13 39:11 examined 7:17 40:14 41:20 14:15 15:2,5 earlier 26:5 55:15 either 19:18 example 12:9 22:10 23:20 26:10 employed 56:15 execute 25:18 employee 56:14 27:22 employees 14:16 executing 36:5 14:18,23 15:8 exercise 18:18 employer 4:17 exhibit 3:8,10 employing 3:11,13,14,16 33:18 5:2,2,4 34:9,13 enforce 6:12 34:14,23 35:23 ensure 49:20 37:11 38:13 enter 19:21,23 39:7,11 40:14 20:1 21:13 41:20 43:12 22:1,14,17 47:23 48:9 30:7 34:21 49:18 50:3 35:21 38:11 53:19 43:5 EXHIBITS 3:7 entered 16:25 expires 55:20 17:1,3,4 19:16 56:24 45:1 drive 17:4 29:22 duces 3:10 34:14 due 3:9 5:12 10:16 12:13 29:3 37:3,4 38:9,23,25 44:11 46:3,9 46:11 47:19 49:5,8,10,11 51:17 52:6 duly 4:4 56:4,6 Dustin 2:7 4:11 dustinzacks@... 2:10 duties 7:6,11 11:25 13:8,15 15:9 35:6,8 duty 14:16 35:10 explain 27:17 32:1 51:11 explains 33:19 Explorer 3:13 3:15 36:3 Ext 2:4 extent 11:25 extra 7:11,12,12 13:12,14 e-mail 30:22 F F 3:16 39:7 47:23 49:18 facility 26:25 fact 6:4 7:13 13:9 46:24 53:9 facts 13:20 14:7 14:8 familiar 7:17,20 36:5 52:15 familiarize 52:16 far 23:9 fashion 13:8 21:22 fax 37:12 fee 33:20,20,24 37:12 39:15 40:1,7 43:22 45:6,23 feel 51:9 fees 15:13 36:13 49:23 FIFTEENTH 1:1 figure 18:25 19:25 20:25 21:3 figures 17:18 18:22 34:6 37:8 41:3,21 42:18,20 43:9 46:16 51:7,18 file 9:4 10:20 24:23 27:18,19 27:24 28:1,5,6 28:6,7,15,19 28:22 29:11,13 29:16,17,19,24 30:7,17,19,25 33:6 39:23 filed 28:11 files 9:9,10 17:8 29:14,23 30:13 filing 27:9 filled 48:19 51:18 final 17:21 36:18,21,21 48:6 49:17 finally 6:19 Finance 1:4 4:18 4:22 7:3 8:4,22 12:3 17:24 18:6 financially 56:16 find 26:25 27:20 42:17 first 4:4 5:1,18 12:25 15:22 31:12 41:25 45:23 47:8 48:4 50:3 Fleming 1:7 flip 34:13 Florida 1:2 2:2 2:4,9 33:19,21 40:6 folder 32:22,25 folks 9:4 15:13 follows 4:5 Ford 1:17 56:3 56:20 foreclosure 9:23 12:6 13:2 23:19 24:10 27:8 28:11
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