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JPMorgan Chase Bank, National Association v. Hopkins

Superior Court of Delaware, New Castle

September 12, 2013


Submitted: September 12, 2013

Opinion Issued: September 16, 2013

Revised: September 17, 2013

Robert T. Aulgur, Jr., Esquire, and Monica Loftin Townsend, Esquire, Whittington & Aulgur, Middletown, Delaware, Attorneys for Plaintiff JPMorgan Chase Bank.

Michelle Hopkins, Wilmington, Delaware, pro se.


Paul R. Wallace, Judge

I. Introduction

Plaintiff JPMorgan Chase Bank ("JPMorgan Chase") filed a scire facias sur mortgage complaint against Defendant Michelle Hopkins ("Defendant"), seeking foreclosure of JPMorgan Chase's interest in property located on St. Thomas Court in Wilmington, Delaware. The operative mortgage agreements between the parties provided inter alia that, upon Ms. Hopkins' failure to pay obligations when due, default would result and JPMorgan Chase could foreclose upon the property for collection of the obligation and certain related costs.

For the following reasons, Plaintiff's Motion for Summary Judgment is GRANTED.

II. Factual Background

Michelle Hopkins executed a mortgage with Chase Manhattan Mortgage Corp. on September 24, 2001.[1] On January 5, 2007, Ms. Hopkins executed a Loan Modification Agreement effective January 1, 2007, with Chase Home Finance, LLC, [2] successor in interest (by merger) to Chase Manhattan Mortgage Corp.[3] On April 18, 2008, Michelle Hopkins executed another Loan Modification Agreement with Chase Home Finance, LLC.[4] Ms. Hopkins defaulted in payments on or about April 1, 2009.[5] More specifically, Ms. Hopkins failed to make regular periodic payments required by 2008 Loan Modification Agreement[6] which references the Promissory Note signed in connection with the origination of the loan. To date the arrearages have neither been paid nor has the default otherwise been cured.

III. Procedural Background

Classifying its action as "Non-Arbitration Case/Scire Facias Sur Mortgage, " JPMorgan Chase filed its in rem mortgage foreclosure Complaint on September 30, 2011. Ms. Hopkins answered several months thereafter. In her Answer, Ms. Hopkins claimed that all prior loan modifications had been vacated by JPMorgan Chase, that her loan was currently under review for a new modification and that representatives of JPMorgan Chase had advised her to stop making payments during the loan modification process.[7]

On March 19, 2013, JPMorgan Chase filed its Affidavit of Loss Mitigation.[8]In its affidavit, JPMorgan Chase made clear that Ms. Hopkins is currently ineligible for any applicable loss mitigation program due to multiple prior failures on her part.[9]

On August 8, 2013, JPMorgan Chase filed a motion for summary judgment. Ms. Hopkins responded in writing, and the Court heard oral argument on the motion on September 12, 2013. At the hearing, the Court granted summary judgment. This is the Court's written opinion thereon.

IV. Parties' Contentions

JPMorgan Chase alleges that there is no genuine issue of material fact in this case, "because there is ample evidence to show that a debt secured by a Mortgage existed between [it] and Michelle Hopkins and, by not performing, Michelle Hopkins is in breach of the terms of the Mortgage and the 2008 Loan Modification Agreement."[10] Ms. Hopkins alleges, in effect, that her default should be excused because, according to her, "[JPMorgan] Chase's instructions to stop payment; [JPMorgan] Chase's prolonged modification process; the federal government's investigation into modification procedures[;] and [JPMorgan] Chase's halt on all loan modification applications" caused her to fall into arrears.[11]

V. Discussion

A scire facias sur mortgage action is an in rem proceeding used to foreclose a mortgage.[12] It is "in essence . . . a rule to show cause that requires the mortgagor to appear and establish why the mortgagee should not be allowed to foreclose."[13]Delaware law on scire facias actions is clear: only claims that arise under the mortgage agreement subject to foreclosure can be asserted in a scire facias sur mortgage action.[14] And Delaware courts recognize only the defenses of payment, satisfaction, or a plea in avoidance against a scire facias action.[15] A plea in avoidance must "relate to the mortgage sued upon, i.e., the plea must relate to the validity or illegality of the mortgage documents."[16] Traditionally recognized avoidance defenses include: "acts of God, assignment, conditional liability, duress, exception, forfeiture, fraud, illegality, justification, non-performance of condition precedents, ratification, unjust enrichment and waiver."[17] None of these have been plead by Ms. Hopkins.

Summary judgment is appropriate where the record indicates that there are no genuine issues of material fact and where, viewing the facts in the light most favorable to the non-moving party, the moving party is entitled to judgment as a matter of law.[18] Summary judgment will not be granted when, with the evidence produced, there is reasonable indication a material fact is in dispute.[19] The moving party has the burden of proof to show there are no genuine issues of material fact.[20]If the moving party meets that burden, summary judgment is warranted unless the non-moving party then proves the existence of a genuine issue of material fact.[21]"Summary judgment will not be granted when a more thorough inquiry into the facts is desirable to clarify the application of the law to the circumstances."[22]

Under Superior Court Civil Rule 56, summary judgment is appropriate in this case. JPMorgan Chase, as the moving party, is required to show that there are no genuine issues of material fact. In its scire facias sur mortgage Complaint, JPMorgan alleges Ms. Hopkins is in default of her mortgage (and the subsequent loan modification agreements) in the amount of $153, 842.87, with interest, late charges, advances to the date of confirmation and reasonable attorney's fees and costs. Ms. Hopkins, both in her papers and at the hearing, admitted she was in default of her mortgage and offered certain excuses for her default. But because Ms. Hopkins' proffered defenses "do not plead payment, or satisfaction or avoidance of the mortgage, " she "has failed to set forth specific facts that a genuine issue of material fact exists and she has raised no defenses that may be properly asserted in an action for scire facias sur mortgage."[23]

VI. Conclusion

For the forgoing reasons – i.e., the undisputed record demonstrates that JPMorgan Chase is a valid holder of the mortgage and note on the subject property, that Ms. Hopkins executed those documents and subsequent loan modification agreements, that Ms. Hopkins has defaulted on her obligation to JPMorgan Chase and that Ms. Hopkins owes the amount of the judgment sought[24] – the Motion for Summary Judgment is hereby GRANTED.


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