Court Opinion

ID: 5124933
Source: CourtListenerOpinion
Date Created: 2021-11-10 16:04:21.834411+00
Date Added: 2024-06-11T08:22:46.057288
License: Public Domain

DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA
                             FOURTH DISTRICT

                             DALIA ISRAEL,
                               Appellant,

                                    v.

U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE UNDER POOLING
   AND SERVICING AGREEMENT DATED AS OF MARCH 1, 2006
     MASTER ASSET-BACKED SECURITIES TRUST 2006-WMCI
 MORTGAGE PASS-THROUGH CERTIFICATES SERIES 2006-WMCI,
 and MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS
        NOMINEE FOR WMC MORTGAGE CORPORATION,
                         Appellees.

                             No. 4D20-2331

                          [November 10, 2021]

  Appeal from the Circuit Court for the Fifteenth Judicial Circuit, Palm
Beach County; Roger B. Colton, Judge; L.T. Case No. 50-2018-CA-005314-
XXXX-MB.

   Michael Jay Wrubel of Michael Jay Wrubel, P.A., Davie, for appellant.

    Kimberly S. Mello and Arda Goker of Greenberg Traurig, P.A., Orlando,
for appellee U.S. Bank National Association, as Trustee, etc.

PER CURIAM.

   Affirmed.

LEVINE and KLINGENSMITH, JJ., concur.
WARNER, J., dissents with opinion.

WARNER, J., dissenting.

   I dissent from the affirmance of this foreclosure judgment. I would hold
that the servicer failed to prove that it provided any notice of default
pursuant to paragraph 22 of the mortgage. The facts of this case appear
to be identical to those in Blum v. Deutsche Bank Trust Co., 159 So. 3d 920
(Fla. 4th DCA 2015), as the case was explained in Federal National
Mortgage Association v. Hawthorne, 197 So. 3d 1237, 1240 (Fla. 4th DCA
2016):

      In Blum, we reversed and remanded for entry of dismissal
      where “[t]he ‘breach letter’ admitted into evidence did not meet
      the requirement in the mortgage to deliver the default notice
      to appellant at the ‘notice address,’ defined in the mortgage as
      ‘the property address.’ ” Id. at 920–21. However, the record
      in Blum reflected that the plaintiff sent the default notice to a
      post office box not listed in the mortgage, and no evidence
      existed to indicate that the defendant had provided the post
      office box information to the plaintiff.

Like Blum, the notice of default in this case was sent to a post office box
address for which there was no evidence that the defendant provided that
address to the servicer. The notice was returned unclaimed.

   Failure to comply with paragraph 22, a condition precedent to filing
suit, should have resulted in dismissal. See Blum, 159 So. 3d 920; Holt v.
Calchas, LLC, 155 So. 3d 499, 507 n.4 (Fla. 4th DCA 2015). I would
reverse.

                            *        *         *

   Not final until disposition of timely filed motion for rehearing.

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