Consumer Bankruptcy Journal Winter 2018 - Page 18

$119,000 Sanctions for Discharge Injunction Violations C ontinuous confusing contact with the discharged debtors by the mortgage servicer was appropriately sanctioned at $1,000 per violation notwithstanding the servicer’s formulaic and contradictory disclaimers in some of the correspondence. Ocwen Loan Servicing v. Marino, Nos. 16- 1229, 16-1238 (B.A.P. 9th Cir. Dec. 22, 2017). Debtors, Christopher and Valerie Marino, surrendered their real property in their chapter 7 bankruptcy. After they received their discharge in June, 2013, the court granted the mortgagee relief from the automatic stay and closed the case. From June, 2013, through April, 2015, Ocwen, as servicer for the mortgagee, sent nineteen letters stating the amount owed on the debt as the “amount you must pay,” and providing payment due dates. Some of the letters contained the disclaimer that, “if you have received a discharge in bankruptcy, this notification is for informational purposes only and is not intended to collect a pre-petition or discharged debt.” Ocwen also made approximately one hundred calls to the Marinos seeking payment on the discharged debt. The Marinos moved to reo ѡ)э䁅ͽ՝Ёɑȁ)ѕЁЁ=ݕȁ٥ѥ)ѡ͍ɝչѥЁɥѡ)ѕѥѡЁ=ݕéՍЁ͕)ѡѼɝՔѼѡЁͥɥ)ٽɍ5ȸ5ɥͼѕѥѼ)ᥕ䁅х̰յѥɕ̸)5̸5ɥѕѥѼѽ)̸ͅ%͔́=ݕ)ɝՕѡЁѡѕ́ݕɔѕȴ)ɅѕЁѕ́Ѽ)ЁЁɕ䁥ɵѥ() =9MU5H 9-IUAQ d)=UI90)ɑݥѠхєɅܸ)Qэ䁍Ё݅ɑѡ)5ɥ̀ͅѽ)̰ɕɕ͕ѥİ)٥ѥЁչѡЁ9Ѡ ɍե)܁ɕՑЁɽ݅ɑչѥٔ)̸%Ё=ݕéѥ)ɕͥɅѥ)=ݕѡͅѥ́݅ɐ)ѡэ䁍ӊé)ɕͥɅѥQ5ɥ́)ѡɔѼ݅ɐչѥ̸ٔ)=ѡ @ݥѠѡ)ͅѥ́݅ɐQ9Ѡ ɍեЁ)ݼЁѕЁȁɕͥ)͍ɝչѥ٥ѥ+qѡمЁЁɽٔm䁍ȁ)٥٥tѡЁѡɕѽ(Ĥ܁ѡ͍ɝչѥ)݅́Ȥѕѡ)ѥ́ݡ٥ѕѡչѥt)Yѥ́ѡ͍ɝչѥ)䁉ɕչȁѡӊe)ѕЁݕ́չȁ͕ѥԡ)́ѡɔ݅́єѡЁ=ݕ)܁ѡ͍ɝѡ)ɕ͕ݡѡȁѡѕ́)́٥ѕѡչѥɥ)ѡЁѡ͔ѡ)͍ɝչѥ́Ѽٔѡ)ѽ́ɕɽѡݕ)ѡȁݽ̸Q)ѕѡЁ͍ɝɕٕ́ѽ)ɽ ͽ 䁱٥ )ɕ 䁥хиI饹ѡЁ)ͽɍյх́Ё́ͅ䁙)ȁѼхЁ͍ɝ)ѽȰѡѡЁՍ)չѥЁͽѼ)ɽѕЁȁɍѡ䁹)ɍٔȁɅͥݥѠɕ)Ѽѡչɱ她Ё嵕̸)Q @ɕݥѠѡэ)]ѕȀ$$$)ЁѡЁ=ݕéѕ́Ѽѡ)5ɥ́ݕЁ役ѡЁݡ݅)ͅѼɽѕЁ́Qѕ)՝ѕѡЁѡ5ɥ́ݕɔ)ɕͥȁ嵕́ѡ)ȁՍѡ́́ɍ)Ʌх̸Qѽ)ѼͥɅѥѡٽյѕ)ѡЁٕͽѡ)Ё͕嵕̰ѡյձѥٔ)Ё݅́Ѽɕєѡɕͥѡ)ѡ5ɥ́ݕɔѥɕͥ)ѡи)Q͍́Ёѡ)ͥMѡѕ́)х͍́Ёѡ)ѡЁɽɱɕѕэ)͍ɝ́ѡɕѥͥ) ЁЁ=ݕՅݱ)ѡ5ɥϊdэ䁑͍ɝ)5ɕٕȰ=ݕé͍́ݕɔ)х͕Ёхѕ́ѡ)嵕́Ё)չ́ѕ̸Q)չѡЁɕͽѽȁݽձ)͕ѡ́Ʌѥ)9ȁ݅́ѡՅ)=ݕéѕЁѼх͕ɽ)ѡѕ́䁍ѡqɥt)QչѡЁ=ݕéɔ)Ѽхȁ́ɕɑ)ѼͥՅѥ̰́)嵕Ё́Ёѡ)ѡѕ́ѡ͍ȁЁѡ)͵Ʌєѕ)Ѽ͔ɕ́Ս)嵕̸)QѡѕЁ䁽ѡѕ́х)ɵѥ=ݕ݅́ɕեɕ䁱)Ѽ͕Ս́ѥɍ)ɅՍѥєѥѥ)Ёєѡͥɽ)嵕Ё̸)9ѥͽѥ յȁ эѽɹ