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Pro Se, Hereby File This Motion For Reconsideration As To An Order Entered On July 18, 2017 Denying
Pro Se, Hereby File This Motion For Reconsideration As To An Order Entered On July 18, 2017 Denying
DIVISION AW
:
FIRST AMERICAN BANK, as :
:
successor by merger to Bank of Coral
Gables, LLC, :
:
Plaintiff :
:
:
vs. :
:
:
LAURENCE SCHNEIDER, STEPHANIE L. :
SCHNEIDER, et. Al. :
:
Defendants :
:
:
pro se, hereby file this Motion for Reconsideration as to an Order entered on July 18, 2017 denying
([KLELW
Defendants, in light of this Order, hereby submit this instant Motion for Reconsideration,
inclusive of an Amended Motion for Rehearing and to Vacate the judgment of foreclosure
Defendants have additionally filed a Notice of Appeal with the Fourth District Court of
Appeals, and shall be filing a stay pending appeal with this Court. Defendants are additionally
requesting sanctions against counsel for Plaintiff for misleading the Court and Defendants by
deliberately and egregiously altering the judgment of foreclosure for the sole benefit of Plaintiff,
Defendants bring this motion, pursuant to Fla. R. Civ. P. Rules 25-22.060, Rule 1.530(a)
and 1.540(b), and in support would state the following unto the Court:
1. Rather than constituting a motion for rehearing under Fla. R. Civ. Pro. 1.530, a motion directed
to a nonfinal order is termed a “Motion for Reconsideration” based upon the trial court’s
inherent authority to reconsider and alter or retract orders prior to the entry of final judgment.
See Bettez v. City of Miami, 510 So. 2d 1242, 1242-43 (So. 3d DCA 1987).
2. An order merely granting summary judgment is not a final judgment; rather, it is a non-final
order. See e.g. White Palms of Palm Beach, Inc. v. Fox, 525 So. 2d 518, 519 (Fla. 4th DCA
1988).
1. As the Florida Supreme Court articulated in Hall v. Talcott, 191 So. 2d 40, 46-47 (Fla. 1966):
“The granting or denial of rehearing is a matter within the sound discretion of the trial
court, but it is never an arbitrary decision. As indicated above, when the motion is filed
by one against whom a summary judgment has been entered, the discretion not to grant
is narrowed and every disposition should be indulged in favor of granting the motion.
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Only after it has been conclusively shown that the party moved against cannot offer proof
to support his position on the genuine and material issues in the case should his right to
2. The proper standard of review for a Court when considering a motion to reconsider is set forth
3. The court in Prudential held that “[a] Court will not alter a prior decision absent a showing of
clear and obvious error where ‘the interests of justice’ demand correction.” Id. at 417 (quoting
American Home Assurance Co. v. Glenn Estess & Associates, Inc., 763 F.2d 1237, 1239 (11th
Cir.1985)).
4. Moreover, the refusal to grant relief in a motion for reconsideration is reviewed by the appellate
court under an abuse of discretion standard. See Hancock v. City of Okla. City, 857 F.2d 1394,
5. Defendants allege that this Court incorrectly granted Summary Judgment in favor of the
Plaintiff where genuine issues of material fact exist which were timely raised and objected to
by the Defendants.
6. A Motion for Summary Judgment is properly plead under Florida Rules of Civil Procedure
1.510(b).
7. Under Florida law, summary judgment is proper if, and only if, based on an examination of
evidence, no genuine issue of material fact exists and the movant is entitled to judgment as a
matter of law. See The Florida Bar v. Green, 926 So. 2d 1195, 1200 (Fla. 2006); Volusia
County: v. Aberdeen at Ormond Beach, L.P., 760 So. 2d 126, 130 (Fla. 2000).
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8. Furthermore, pursuant to Rule 1.510 of the Florida Rules of Civil Procedure, a Court may grant
summary judgment if, and only if, "the pleadings, depositions, answers to interrogatories, and
admissions on file together with the affidavits, if any, show that there is no genuine issue as to
any material fact and that the moving party is entitled to a judgment as a matter of law." Fla.
R. Civ. P. 1.510(c).
9. In summary judgment proceedings, the Court must take all the facts that the non-movant states
as true and must draw all reasonable inferences in favor of the non-moving party. See Bradford
v. Bernstein, 510 So.2d 1204 (Fla. 2d DCA 1987); Petruska v. Smartparks-Silver Springs, Inc.,
914 So.2d 502 (Fla. 5th DCA 2005); Maynard v. Household Finance Corp. III, 861 So.2d 1204
10. The burden of proving that such issues exist does not shift to the non-moving party until the
movant has successfully met his burden. Nard, Inc. v. DeVito Contracting & Supply, Inc., 769
11. In this matter, Defendants have raised an abundance of triable issues, therefore, summary
12. The Third District Court of Appeals of Florida held that “the party moving for summary
judgment must factually refute or disprove the affirmative defenses raised, or establish that the
defenses are insufficient as a matter of law.” Leal v. Deutsche Bank National Trust Company,
21 So.3d 907, 909 (Fla. 3d DCA 2009). The Plaintiff must either factually refute the alleged
affirmative defenses to foreclosure or establish that they are legally insufficient to defeat
summary judgment. Knight Energy Services, Inc. v. Amoco Oil Co., 660 So.2d 786 (Fla. 4th
DCA 1995).
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13. In a recent decision from the Fourth District Court of Appeals (DCA) of Florida, the Fourth
DCA held that “when a party raises affirmative defenses, a summary judgment should not be
granted where there are issues of fact raised by affirmative defenses which have not been
effectively challenged and refuted factually.” Alejandre v. Deutsche Bank Trust Co., 44 So. 3d
14. According to Knight Energy Services, Inc. v. Amoco Oil Co., 660 So.2d 786 (Fla. 4th DCA
1995), the plaintiff failed to prove the absence of genuine issues of material fact as to the
defendant’s affirmative defenses of tortious interference and unclean hands, so that summary
15. Defendants, much like in the Knight Energy Services, Inc holding supra, argue that summary
and the Court should not have made a dispositive Order while several items are left hanging at
16. Florida case law is exceedingly clear that where a motion to dismiss which raises viable
defenses is pending in a foreclosure action, summary judgment is not proper, such as this case.
See Douglas v. Deutsche Bank Trust Co., 995 So.2d 1144 (Fla. 5th 2008).
17. Here, a multitude of conflicts in material facts exist that should have precluded a ruling of
18. Courts have considerable discretion to reconsider an order. Johnston v. Tampa Sports Authority,
442 F.Supp.2d 1257, 1261 (M.D.Fla.2006) (citing O’Neal v. Kennamer, 958 F.2d 1044, 1047
(11th Cir.1992)).
19. The … court abuses its discretion if it overlooks a relevant factor that deserves significant
weight. Sussman v. Salem, Saxon & Nielsen, P.A., 153 F.R.D. 689, 694 (M.D.Fla.1994). The
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… court also abuses its discretion if it considers all relevant factors, but, nonetheless, commits
a “palpable error of judgment in calibrating the decisional scales.” Id. (citing U.S. v. Hastings,
847 F.2d 920, 924 (1st Cir.1988), cert. denied, 488 U.S. 925, 109 S.Ct. 308, 102 L.Ed.2d 327
(1988)).
20. As such, Defendants pray this Court reconsider its prior decision of July 18, 2017, as well as
the June 26, 2017 Order granting summary judgment, and allow for a rehearing on the matter,
as substantial new facts and relevant information described herein, provides a compelling case
21. Florida Rule of Civil Procedure 1.530(a) provides: “A new trial may be granted to all or any
of the parties and on all or a part of the issues. On a motion for rehearing of matters heard
without a jury, including summary judgments, the court may open the judgment if one has been
22. Florida Rule of Civil Procedure 1.540(b) provides in pertinent part: “On motion and upon such
terms as are just, the court may relieve a party or a party’s legal representative from a final
judgment, decree, order, or proceeding for the following reasons… (3) Fraud (whether
adverse party; (4) that the judgment or decree is void; This rule does not limit the power of a
court to entertain an independent action to relieve a party from a judgment, decree, order, or
proceeding or to set aside a judgment or decree for fraud upon the court.”
3. Defendants allege that the judgment is void, due to the conduct and deceit described herein,
which rises to an undisputable level of fraud and misrepresentation, pursuant to Florida Rule
of Civil Procedure 1.540(b), and thus, the Order of judgment must be vacated.
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4. However, even if the Court were not to find the judgment is void or voidable, pursuant to
Florida Rule of Civil Procedure 1.530(a), the Court may open the judgment to take additional
testimony.
5. Despite the recent July 18, 2017 ruling denying Defendants’ initial Motion for Rehearing, this
Amended version, inclusive of the Motion for Reconsideration, warrants further argument. The
issues presented in this Amended Motion articulate the basis for reconsidering both the
summary judgment Order, and the July 18, 2017 Order, as described infra.
6. “If a judgment is ‘void’ then under rule 1.540(b) it can be attacked at any time, but if it is only
‘voidable’ then it must be attacked within a year of entry of the judgment.” Condo. Ass’n of La
Mer Estates, Inc. v. Bank of New York Mellon Corp., 137 So. 3d 396, 398 (Fla. 4th DCA 2014).
7. In the instant case, Defendants are bringing this Motion within the statutory guidelines
8. Florida courts have long drawn a distinction between a “void” judgment and a “voidable”
judgment. A void judgment is one entered in the absence of the court’s jurisdiction over the
subject matter or the person. See, e.g., Sterling Factors Corp. v. U.S. Bank Nat’l Ass’n, 968 So.
2d 658, 665 (Fla. 2d DCA 2007); Palmer v. Palmer, 479 So. 2d 221, 221 (Fla. 5th DCA 1985);
9. “In contrast, a voidable judgment is a judgment that has been entered based upon some error
in procedure that allows a party to have the judgment vacated, but the judgment has legal force
and effect unless and until it is vacated.” Zitani v. Reed, 992 So. 2d 403, 409 (Fla. 2d DCA
10. While a borrower is allowed to object to a foreclosure sale under section 45.031, Florida
Statutes (2013), “the substance of an objection to a foreclosure sale under section 45.031(5)
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must be directed toward conduct that occurred at, or which related to, the foreclosure sale
itself.” IndyMac Fed. Bank FSB v. Hagan, 104 So. 3d 1232, 1236 (Fla. 3d DCA 2012); see
also Indian River Farms v. YBF Partners, 777 So. 2d 1096, 1098 (Fla. 4th DCA 2001).
11. On or about June 8, 2017, Mr. Schneider communicated with Plaintiff’s Counsel’s Henry Bolz
(hereinafter referred to as “Bolz”), and his staff member, Sheyla Mesa by electronic mail
regarding a deposition of Mr. Schneider and Mrs. Schneider, as well as a special set trial
12. In said email, Mr. Schneider requested that Plaintiff’s Motion for Specially Set Trial Date be
postponed to a mutually agreeable time, given Mr. Schneider’s conflict of schedule, which
included a trip to Washington D.C. at the time of the hearing, in which judgment was entered.
The communications between Mr. Bolz and Mr. Schneider regarding this scheduling conflict
13. Bolz was abundantly aware of this material fact, yet did not afford Defendants the opportunity
to even defend themselves at the Special Set Trial, resulting in judgment being entered against
14. A true and correct copy of the email conversations is attached hereto and incorporated fully
15. A true and correct copy of the judgment entered against Defendants, and on appeal, is attached
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The ‘Amended’ Judgment
16. Defendants further allege that Bolz perpetrated a fraud upon the Court, by amending the
judgment for a minor reason, then surreptitiously slipping an “uncertified copy” of the
Summary Judgment and attaching it to the Amended Judgment submitted for the Court’s
signature.
17. Defendants allege that the difference in the proffered Amended Judgment is that Bolz changed
the sale date from August 19, 2017 to August 10, 2017.
18. A true and correct copy of the Amended Judgment sent to Defendants is attached hereto and
19. Defendants have the original executed judgment order which was mailed, as required by the
Clerk, and the Amended Judgment, which is handwritten in with a new, and accelerated sale
date.
20. Furthermore, on or about July 10, 2017, Bolz mailed the amended paperwork to the Palm
21. Bolz additionally emailed Defendants just the cover letter, in order to continue the alleged
fraud.
22. Defendants allege that this fraudulent activity continues a pattern of such activity by Bolz in
this action, including his prior filing of a knowingly false affidavit to obtain the appointment
of a receiver, and, as such, monetary sanctions against Bolz are both needed and warranted.
23. Furthermore, Defendants’ counsel withdrew from the case on May 1, 2017. Despite repeated
requests, former counsel has not provided the file or any document production by Plaintiff to
Defendants.
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24. As a direct and proximate result, this has made Defendants’ ability to hire new counsel
impossible. Additionally, Defendants’ former counsel has illegally held funds from the
Defendants after the representation had concluded, also hampering the ability to hire new
counsel, thereby resulting in Defendants failing to have counsel during the most crucial and
critical portion of the case, as the Court Contemplated Plaintiff’s summary judgment motion.
25. On or about June 5, 2015, FAB sent confirmation that it had erroneously printed an incorrect
billing address and due to FAB's clerical error, Mr. Schneider’s payments were “not
26. Mr. Schneider alleges that the FAB clerical error occurred during the merger with the Bank of
Coral Gables and that FAB assured Mr. Schneider that the delinquencies reported in April
2015 with all three credit bureaus would be immediately corrected. Attached as “Exhibit E.”
27. This was not done, despite reassurances from FAB, which was in breach of the implied
covenant of good faith and fair dealing, along with the express terms of the Home Equity Line
28. FAB, however, continued to calculate accrued interest on the outstanding balance, which
included the late fees, even though the late fees were reversed and representations to of this
29. On or about June 8, 2015, Mr. Schneider reaffirmed to FAB that payment for the periodic
billing due June 1, 2015, was immediately made on June 5, 2015, as instructed.
30. On or about June 20, 2015, Mr. Schneider wrote to FAB’s James Kielbasa, affirming receipt
of the statement for the July 1, 2015 payment due date and confirmed FAB’s use of Mr.
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31. On or about June 20, 2015, Mr. Schneider sent a written request for the year to date
charge/payment history and a copy of the promissory note to reconcile the interest with the
32. On or about June 26, 2015, Mr. Schneider informed Milton Espinoza, Vice President, and
Commercial Loan Relationship Manager at FAB, that he was continuing to be billed for late
charges prior to the payment due date and that this advanced billing was part of the continuing
33. Mr. Schneider advised FAB that the loan was boarded by FAB with numerous errors, including
a wrong billing address which delayed Mr. Schneider’s receipt of monthly statements, and
made yet another written demand for copies of the note, mortgage, and the year to date payment
34. Milton Espinoza of FAB, provided Mr. Schneider with a partial loan history, which was dated
June 26, 2015, but which neither offered nor provided an explanation of the partial loan history
35. On June 26, 2015, Milton Espinoza emailed Mr. Schneider pdf versions of the promissory note
36. On June 27, 2015, Mr. Schneider emailed a written request for explanation to Milton Espinoza
regarding FAB’s s July 1, 2015 statement and attached the July statement referenced in the
letter to request clarification about whether the due date was the 1st or 15th of every month,
because FAB’s system continued to record payments as late and assessed a late charge on each
37. On July 15, 2015, FAB received $4,055.91 through a wire payment from Mr. Schneider for
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38. On October 30, 2015, Mr. Schneider also asked for an explanation for the failure of the
application of the September 2015 payment, as the promised verification did not occur and the
39. On October 30, 2015, Brian Hagan wrote to thank Mr. Schneider for the email and to advise
him that the October 1, 2015 payment in the amount of $4,646.05 was due, along with the
40. Brian Hagan also requested that Mr. Schneider provide his personal tax returns and personal
41. On October 30, 2015, Mr. Schneider wired FAB the sum of $4,646.05.
42. On November 4, 2015, Mr. Schneider again wrote to FAB's authorized representative, Brian
Hagan, requesting information and documentation regarding the steps FAB had taken to ensure
that the erroneous reporting made by FAB to the credit bureaus had been remedied, as Mr.
Schneider’s credit was continuing to suffer as a direct and proximate result of FAB’s failure to
apply payments to the HELOC account and continued reporting of negative and inaccurate
43. Mr. Schneider specifically cited the need for documentation to that effect, and included a copy
of the correspondence which FAB sent to the credit agencies, acknowledging that Mr.
44. Mr. Schneider alleges that a letter of explanation, although helpful, was inadequate since
reported mortgage delinquencies have the most profound negative impact on his credit score
and that Mr. Schneider was seeking financing for several items.
45. On November 4, 2015, Brian Hagan responded that he was in possession of the payment
history, which would be sent to Mr. Schneider, and that although he had been advised that the
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credit reporting was accurate, he would “double check” and provide Mr. Schneider with
correspondence between FAB and the credit reporting agencies regarding the issue.
46. Mr. Schneider alleges that no such correspondence was ever received from Brian Hagan or
FAB.
47. On November 5, 2015, Mr. Schneider again wrote to Brian Hagan expressing extreme concern
over assurances by FAB employees regarding the accuracy of the credit reporting since Mr.
48. When Mr. Schneider requested an explanation from Brian Hagan as to why his account was
being marked delinquent, when Hagan had confirmed it to be current, Mr. Schneider was then
49. Mr. Schneider was making multiple payments as directed by Brian Hagan himself.
50. Mr. Schneider again requested detailed explanations for interest rate calculations, specific
billing cycle information for the months of September 1, 2015, October 1, 2015, and November
1, 2015, and the reason "the information which you have provided to me below and represented
to be accurate differs from the information contained in the [bank’s] servicing system of
records for these two periods.” Exhibit F is an attachment of relevant statements indicating
51. On or about January 18, 2016, Mr. Schneider wrote to Bolz and carbon copied Brian Hagan,
Gary Smith, and James Berton of FAB, to reiterate the ongoing erroneous servicing caused by
the lack of quality control and openly questioned why no one at the bank would investigate,
provide an account history, or review the loan documents which had caused substantial
financial problems, and requested the correction of the false reporting and a retraction of the
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erroneous information which was causing financial difficulties as a result of the balloon
52. Mr. Schneider informed Bolz, exactly as Bolz had instructed, concerning the continued
fraudulent and erroneous reporting and misapplication of his payments. Mr. Schneider
“You have caused me some substantial financial problems over the past year, now
you’ve put me in a terrible financial predicament driven by a February 12, 2016,
line in the sand deadline, as I have a balloon mortgage due on my primary
residence and this false reporting is the reason for my inability to obtain
conventional refinancing. As you are aware, there is not a blemish on my credit,
with the exception of First American’s continued reporting. Prior to First
American acquiring the Bank of Coral Gables, I had a stellar banking relationship
with them from the time it opened its doors in 2006, over eight years. Once again…
I demand that you immediately retract the false reporting of my account from all
credit repositories.am speaking with Brian, in an attempt workout some sort of
deal structure, to rectify several issues including the mortgage referenced above,
the problem with the balloon mortgage on my property, which cannot not be
rectified in time to appease the private lender who owns the balloon mortgage on
my home (due to the torturous timelines and verifications pursuant to the new
Dodd䇲 䇲㻲㼞㼍㼚㼗㻌㼜㼞㼛㼢㼕㼟㼕㼛㼚㼟㻕㻌㼍㼚㼐㻌㼠㼔㼑㻌㼏㼛㼘㼘㼍㼠㼑㼞㼍㼘㼕㼦㼑㼐㻌㼘㼛㼍㼚㻌㼒㼞㼛㼙㻌㻮㼍㼚㼗㻌㼛㼒㻌㻯㼛㼞㼍㼘㻌㻳㼍㼎㼘㼑㼟㻌
to S & A Capital Partners, an entity of mine which also had a great banking
relationship with the Bank of Coral Gables including a collateralized business
loan. As you are aware, the collateralized business loan with S & A Capital had
been long since paid off but the Bank of Coral Gables never released the collateral
assignment on the Johnnie Washington mortgage. A title company called First
American Bank, and since the First American representative did not recognize
the borrowers name in your system of records, and didn’t bother to further
research the situation by even looking at the “collateral Assignment” which
provided our company contact info, the First American employee executed a
satisfaction of the mortgage and underlying promissory note. The owner walked
away from the property without having to pay the mortgage, which was owned by
S & A Capital. Hopefully, Brian and I can work something out regarding a
collateralized business loan, so that we can clean the slate and start a fresh
banking relationship. I’d rather not contemplate the alternative!”
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53. Defendants allege that both Mr. Hagan and Bolz acted in bad faith as to their intent to resolve
the fraudulent and erroneous applications of Mr. Schneider’s payment and the subsequent
54. Furthermore, Defendants allege that Mr. Hagan not only lied on numerous occasions about the
proper application of Mr. Schneider’s payments but also lied about his intent to work out a
collateral commercial loan, as Mr. Schneider had every intent to pay off the FAB loan.
55. Despite the January 18, 2016 email to Bolz concerning the continued Fair Credit Reporting
Act (“FCRA”) violations, which Bolz fraudulently misrepresented that he was resolving and
handling for FAB going forward, Bolz neither responded to this email or the additional emails
56. Mr. Hagan pulled a copy of Mr. Schneider’s credit report for both Equifax and Experian credit
reporting repositories.
57. It is paramount to note that Mr. Hagan had direct knowledge again on November 19, 2015,
that FAB had again made fraudulent and erroneous reports of Mr. Schneider’s payment history
58. Mr. Schneider was made aware of these inquiries due to his Experian Credit Monitoring due
to FAB’s ongoing fraudulent and erroneous reporting of his payment history for the past seven
months.
59. On November 20, 2015, Brian Hagan wrote to Mr. Schneider regarding possible settlement
strategies and confirmed that FAB had run a credit report to ensure that Plaintiff’s account was
not showing past due payments. In relevant part, the communication stated:
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60. On November 19, 2015, Brian Hagan and Mr. Schneider met, but FAB did not provide Mr.
Schneider with an explanation for or the requested details regarding the loan, payment histories
or the accounting for the HELOC loan. Thus, Mr. Schneider sent Mr. Hagan a Qualified
61. On or about January 25, 2016, FAB received $4,500.00 via a wire payment from Mr.
Schneider.
62. On or about January 27, 2016 Mr. Schneider again wrote to Brian Hagan to confirm his
63. On June 13, 2016, Brian Hagan requested that Mr. Schneider provide FAB with a completed
64. On or about June 30, 2016, Mr. Schneider again wrote to Brian Hagan regarding the sensitive
65. Specifically, Mr. Schneider wanted to see accurate periodic billing statements reflecting the
amount which FAB claimed to be owed by Mr. Schneider, as well as an accurate payment
history, acknowledging and correcting the erroneous application of Mr. Schneider’s payments.
66. On or about July 7, 2016, Mr. Schneider received a delinquency letter from FAB for the months
of May, June, and July 2016, which advised that the amount owed was $59,481.27, of which
67. Mr. Schneider alleges that no rational explanation, calculation, or information was included
68. On or about August 9, 2016, Mr. Schneider contacted Brian Hagan to provide the financial
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69. Mr. Schneider subsequently advised Bolz that FAB has severely compromised the ability of
entities in which he is a guarantor to obtain personal and business credit on multiple occasions
70. FAB had not, and to date has not, remedied the past due status of the subject HELOC, and
71. A credit report obtained by Mr. Schneider indicated that FAB had reported delinquencies for
payments due on October 2015 and September 2015 with all three credit bureaus, along with
a balance of $1,495,469.00.
72. On or about January 1, 2016, FAB reported that the Mr. Schneider was 30 days late in making
his payment.
73. In May 2016, FAB reported to the Equifax credit agency that Mr. Schneider was 30 days late
in making payment, 60 days late in June and July of 2016, and 120 days late every month since.
74. Since April 3, 2017, the TransUnion credit agency has reported that the outstanding balance
75. Credit agencies Equifax, and Experian, continue to report an unpaid balance of $1,708,894.00
and falsely state that the Mr. Schneider is using 114% of the HELOC limit.
76. On or about February 20, 2017, an Experian report revealed data that contradicted the verbal
and written statements of FAB and reported no data for the months of January and February
2016, despite FAB receiving $9,300.00 on January 25, 2016 from Mr. Schneider.
77. Mr. Schneider alleges that FAB has added fees for which no explanation or information has
been provided; and upon information and belief, Mr. Schneider alleges that FAB has added,
and will continue to add fees and costs not contemplated or agreed to by the HELOC contract
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78. On or about April 3, 2017, the high balance reported by FAB to Experian was the sum of
$1,708,894, and $161,729 more than the highest balance reported by FAB to Equifax of
$1,539,165.
79. On or about May 18, 2017, Equifax provided the following information concerning Mr.
80. As of the date of the FCRA inquiry, FAB reported that the balance was $756,754.72. Mr.
Schneider alleges that this amount was an arbitrary amount, and provides prima facie evidence
of wrongdoing on the part of FAB, insomuch as the affidavit as to the amount due by Garry
81. Mr. Schneider alleges that the amount past due indicates $1,738,596.
82. Again, Mr. Schneider alleges that this amount reflects prima facie fraud in the amount utilized
84. This conspiracy between Bolz and Mr. Schneider’s former counsel is most noticeably
evidenced in Bolz’ May 4, 2017 email to Mr. Schneider concerning the Notice of Non-Jury
86. On May 10, 2017, Bolz again misrepresented to the Court by filing a Notice for a hearing, then
subsequently filed a Notice of Unavailability with the Court, in Bolz and FAB’s continued
efforts to fast track the foreclosure, and not provide any reasonable meet and confer, or
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87. Prior to the May 10, 2017 misrepresentation upon the Court and Mr. Schneider’s rights, Bolz
used the same unscrupulous tactics to set a trial, then immediately file a Notice of
88. On May 23, 2017, Bolz filed a Notice of Unavailability with the court, stating, among other
things:
“COMES NOW, Henry H. Bolz, III, counsel of record for the Plaintiff, FIRST
AMERICAN BANK, in the captioned litigation and hereby files this his Notice
to the Court, all parties, and all counsel of record of the fact that counsel for
FIRST AMERICAN BANK has long-standing out-of-state vacation plans
beginning on Friday, July 14, 2017, to Wednesday, July 26, 2017, inclusive.
Although other attorneys at Keller & Bolz, LLP will be able to cover
ministerial matters, the undersigned would respectfully request the
forbearance of all counsel and the Court from scheduling any significant
hearings, trials, or deadlines during my absence.”
89. Defendants allege that Bolz evidently forgot about the “Notice of Unavailability” he filed on
May 23, 2017, in which he falsely filed a notice with the Court in this matter, of his “long-
standing out-of-state vacation plans beginning on Friday, July 14, 2017, to Wednesday, July
26, 2017, inclusive.” Ironically enough, Mr. Bolz was not in fact out of state on vacation, but
rather was working in the office as revealed in an email conversation that Mr. Schneider had
90. In that Notice for Trial Date, Bolz certified to the Court,
“The undersigned certifies that a bona fide effort to agree to or narrow the
issues has been made or will be made prior to the hearing in this cause.”
91. Defendants allege that Bolz lied to the Court, as Bolz did not discuss the matter with Mr.
Schneider, prior to filing the Motion of Unavailability and Motion for Special Hearing.
92. In addition to lying to the Court and defrauding Schneider about the hearing, Bolz had not, and
has not to date, produced any discovery requested by Mr. Schneider in the matter, nor any
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communications regarding the outstanding FCRA fraudulent billing statements and reporting,
93. At that time, he was acting on behalf of FAB to assist Mr. Schneider with FAB’s fraudulent
and erroneous billing errors, which he specifically acknowledges in the November 30, 2015
letter.
94. However, Bolz filed this notice to the court to expedite the foreclosure action, despite knowing
that Mr. Schneider’s upcoming schedule made it impossible to be present at the trial, where
95. Furthermore, Defendants allege that Bolz purposely filed the Notice of Unavailability in an
attempt to foreclose on the property. The documents representing Mr. Bolz’ attempts to
96. Furthermore, Bolz has attempted to tarnish Mr. Schneider’s reputation, as he was well aware
that Mr. Schneider had an upcoming deposition in a case of great public interest, which
happens to involve the similar types of tactics used by FAB and its counsel, but on a far
greater scale.
97. The case is S&A Capital Partners, Inc. et al. v. JPMorgan Chase Bank, N.A. et al., No. 15-
cv-00293-LTS-JCF, pending in the United States District Court for the Southern District of
New York.
98. The District Court Judge in that matter has already denied the Defendants’ Motion to Dismiss
the Breach of Contract, Fraud, and Negligent Misrepresentation Counts. There is a fully
briefed Motion for Leave to File a Fourth Amended Complaint including Civil RICO claims
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Mr. Schneider’s District Court Complaint Against FAB
99. After discovering all of the above and below noted transgressions, Mr. Schneider filed a case
in Federal District Court for the District of South Florida on June 9, 2017.
100. The complaint addresses operative facts relevant to the instant foreclosure litigation.
101. In addition to the violations of Federal laws impacting Mr. Schneider’s rights, the pending
federal litigation will also require FAB to provide the various discovery materials which FAB,
102. Despite Bolz’ misrepresentations and schemes to deny Mr. Schneider access to justice in
this foreclosure matter, Mr. Schneider acquiesced to Bolz’ request for a thirty-day extension
103. On November 20, 2015, Mr. Schneider wrote to express his gratitude to Brian Hagan for
making corrections to the credit reports and request documentation regarding the payment
history of the loan since origination and all executed loan documents.
104. On November 20, 2015, after speaking with Mr. Hagan, Mr. Schneider called the customer
service number for FAB and once again, the customer service agent told Mr. Schneider that
105. Once again, Mr. Schneider alleges that Mr. Hagan knowingly made a false and/or
fraudulent statement to Mr. Schneider concerning the status of his HELOC account.
106. To date, no documentation or correspondence has been sent to Mr. Schneider to satisfy the
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107. Mr. Schneider alleges that both Mr. Hagan and Bolz acted in bad faith as to their intent to
resolve the fraudulent and erroneous applications of Mr. Schneider’s payment and the
108. Furthermore, Mr. Hagan not only misrepresented material facts on numerous occasions
about the proper application of Mr. Schneider’s payments but also lied about his intent to work
out a collateral commercial loan, as Mr. Schneider had every intent to pay off the FAB loan.
109. Despite the January 18, 2016 email to Bolz concerning the continued FCRA violations,
which he misrepresented that he was resolving, and handling for FAB going forward, Bolz
neither responded to this email or the additional emails and voicemails Mr. Schneider initiated
110. Mr. Schneider has made numerous requests to FAB and Bolz for the numerous billing
statements which FAB never sent to Mr. Schneider, so that Mr. Schneider could confirm that
FAB had corrected the erroneous information reported to the credit bureaus, resulting in a
domino effect on his ability to refinance the FAB debt, obtain collateral loans on other assets
to pay FAB, obtain credit for his entities and obtain credit for his investigation into the False
Claims Act allegations made against JPMorgan Chase on behalf of the United States and States
Treasuries.
111. As part of a plan to expedite the foreclosure process, and conceal his participation in the
fraud upon Schneider, Bolz made numerous misrepresentations to the Court and Mr.
Schneider.
112. Specifically, on May 9, 2017, Bolz misrepresented the Court by setting the Case for Trial.
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and STEPHANIE L. SCHNEIDER, via email, requesting each Defendant
provide the number of witnesses he/she intends to call and the amount of time
needed for trial. Defendants have not responded to undersigned’s May 4, 2017
email.”
“On April 17, 2017, undersigned contacted Defendants’ former counsel, via
email, requesting the same information. Former counsel for the Defendants
did not respond to undersigned’s email.”
114. FAB had not, and to date has not, remedied the past due status of the subject HELOC, and
thus, the instant motion to vacate the foreclosure judgment entered in this matter has been filed
115. In paragraph 15 of the Complaint, FAB claimed “The Defendant, Laurence Schneider
defaulted under the Credit Agreement and Mortgage by failing to pay the Florida Ad
Valorem/real property taxes on the property for 2014 and 2015, despite a demand letter made
on him by First American Bank to pay those real property taxes by no later than April 1, 2016.”
117. Mr. Schneider alleges that FAB did not provide a notice until July 7, 2016 with a right to
118. Furthermore, the July 7, 2016 FAB demand letter stated that the full payoff of the
119. When subtracting the $59,481.27, which includes the May 1, 2015 payment purported to
be $4,698.54, from the payoff amount provided in the July 17, 2016 demand letter, the total
payoff, including principal from April 1, 2016 would be, and is, the sum of $1,493,365.73.
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120. Based on the above and foregoing, Mr. Schneider alleges paragraph 19 of the complaint is
likewise incorrect, as FAB erroneously claimed that Mr. Schneider owed FAB the sum of
$1,552.842.00.
121. Mr. Schneider additionally alleges that the information provided to this Court in requesting
122. Bolz claimed that Mr. Schneider owed interest from March 15, 2016 to the date of the
judgment totaling $69,646.52, Florida Ad- Valorem/real property taxes of for 2014, 2015 and
123. However, as stated and proven on Mr. Schneider’s February 3, 2017 credit report, five
months before the request for Final judgment, FAB had reported to both Experian and Equifax
that the balance due was the sum of $1,708,894, notably $80,000.00 more.
124. Based on the above and foregoing, Mr. Schneider alleges that not only were the figures
used to obtain the Final Judgment fraudulent, but additionally, FAB has continued to provide
fraudulent information to the credit repositories pertaining to Mr. Schneider’s credit report.
125. On the February 20, 2017 credit report, the balance FAB reported did not match the
126. FAB claimed that interest in the unpaid principal amount of $1,488,748.05 from May 1,
127. However, in FAB’s Final Judgment request, Bolz claimed that interest was due from March
15, 2016.
128. Based upon this pattern of providing “alternative facts” to the Court, and misleading the
Court and Mr. Schneider, Defendants allege that both FAB and Bolz misrepresented the
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amount owed by Mr. Schneider, under penalty of perjury, and, as such, this material
Mr. Schneider’s Former Counsel Has Been Disciplined for His Role
129. On March 22, 2017, Mr. Schneider’s attorney, Kenneth Eric Trent, filed a Motion to
130. This motion was filed without Mr. Schneider’s knowledge or consent.
131. Mr. Schneider did not become aware of Mr. Trent’s intention to withdraw until late April
2017.
132. Furthermore, Mr. Trent did not inform Mr. Schneider that a hearing was to be held
133. Mr. Trent instead left a message with Mr. Schneider’s office that the judge granted Mr.
134. As part of the message, Mr. Trent claimed that Mr. Schneider had twenty days to find new
counsel and that the Judge ordered no hearing to be set during that period.
135. Mr. Schneider alleges that FAB, Bolz, and Mr. Trent collaborated a devious plan in which
Mr. Schneider provided certain scripted testimony immediately upon entering the courtroom.
136. Mr. Schneider alleges that this was only possible by Bolz convincing Mr. Trent to conspire
in the inducement in convincing Mr. Schneider to take time away from his busy schedule to
137. Mr. Schneider alleges that the FAB, Bolz, and Mr. Trent utilized the Court as their tool to
extract specific testimony, which did not accurately reflect the entirety of the evidence used in
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138. As noted herein, Mr. Trent filed a Motion to Withdraw, without Mr. Schneider’s
knowledge or consent on March 22, 2017, one week prior to the second Receivership hearing,
in an attempt to skirt his involvement in the alleged conspiracy to defraud Mr. Schneider and
the Court.
139. His timely and coordinated Motion to Withdraw further provides this Court with their true
140. After the Motion for Receivership hearing, Mr. Trent requested Mr. Schneider send him
his fee of $700.00 for his representation of the case in the month of April.
141. Mr. Trent requested Mr. Schneider pay him as soon as possible, as he had bills to pay.
142. On March 31, 2017, without any knowledge that Mr. Trent filed a Motion to Withdraw or
played a role in the conspiracy, Mr. Schneider wired $700.00 for his continued representation.
144. Mr. Schneider alleges that Bolz then further utilized Mr. Trent’s Motion to Withdraw, in
which it was claimed that “[Mr. Trent] has not been in touch with his client.”
145. Using this Motion, Bolz was able to expedite the foreclosure process, along with providing
fraudulent Notices to the Court, to deny Mr. Schneider the right to justice, and a fair trial.
146. The court should be also be aware that on May 23, 2017, after Mr. Trent ceased
representation in this matter, he was erroneously sent a wire for almost $10,000.00 which he
refuses to return.
147. Former Counsel for Mr. Schneider, Kenneth Eric Trent, has had a history of problematic
148. On October 25, 2016, The Florida Bar filed a case against Mr. Trent.
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149. On October 28, 2016, Mr. Trent entered into a Conditional Guilty Plea with the Florida
150. On November 11, 2016, Mr. Trent entered into a Conditional Guilty Plea for his past
151. On November 11, 2016, Mr. Trent filed a Notice of Unavailability due to his Bar
Suspension. A copy of the documents related to Mr. Trent is attached herewith as “Exhibit
I”.
152. In a March 9, 2017 email from Mr. Bolz to prior Counsel for Mr. Schneider, Bolz stated
the following:
153. Furthermore, Mr. Schneider alleges that Bolz made additional knowingly fraudulent
At this point in time, we are intending to call Mr. Molestina as a witness at the
March 28, 2017 hearing. In order for Mr. Molestina’s testimony to be
meaningful, it will be necessary for him to revisit the property. Again, can you
provide us with a time and date between Monday, March 20, 2017, and
Thursday, March 23, 2017 when Mr. Molestina can revisit the residence?
154. On or about March 28, 2017, the Court heard Bolz’s frivolous request for a receivership
155. Mr. Schneider alleges that the intent of the hearing was twofold.
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156. Despite Bolz’ intent to have Mr. Molestina testify as to the alleged misrepresentations made
to this Court, Mr. Bolz had no intention of having Mr. Molestina commit perjury on the witness
stand.
157. Mr. Schneider provided Bolz, through prior counsel, copies of paid utility bills, pool
158. Furthermore, both the owners of the landscaping company and the pool maintenance
company provided written sworn statements as to the eight years in which they meticulously
159. Notably, Mr. Lemus took time away from his small business to prepare and execute his
affidavit, on behalf of Mr. Schneider, due to the alleged fraudulent conduct being perpetrated
160. Mr. Lemus also took time off from his small business to appear in person as a material
161. Defendants allege that Bolz never intended to have Mr. Molestina testify, despite outlining
162. Instead, Bolz enticed the court to set aside time for a seemingly unnecessary hearing, but
also induced the Court’s gracious accommodation, in allowing a second motion for
163. Defendants allege that the purpose of this hearing was to entice Mr. Schneider to appear at
the hearing, for the sole purpose of refuting Mr. Molestina’s fraudulent claims.
164. However, Defendants allege that Bolz’ sole intention was to ambush Mr. Schneider.
165. Mr. Schneider’s prior counsel reiterated the urgency that he appears in person for the
hearing.
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166. Not only was Mr. Molestina notably not at the hearing, but Bolz had brought a court
167. Since numerous employees working for FAB, as well as Bolz, have all painfully
acknowledged, they possess no documents reflecting the accuracy or integrity of the account
history or the amount owed by Defendants, Defendants are entitled to a re-hearing on the
matter, and a judicial determination to vacate the judgment erroneously entered in this matter.
168. It is undisputed that Bolz represents FAB, both as an arm of the Plaintiff, and in their
169. Defendants allege that FAB knowingly and repeatedly misrepresented to Defendants,
both in its continued misapplication of payments and erroneous and harmful negative
170. Defendants further allege that Bolz specifically instructed Mr. Schneider to only
171. However, Mr. Schneider alleges that Bolz refused to respond to emails or return
172. By committing the above and foregoing acts, including but not limited to, altering the
judgment to the benefit of Plaintiff, Bolz should be subject to sanctions, pursuant to Section
173. "In determining whether sanctions are appropriate, a court must ask, first, whether the
claims are objectively frivolous, and, second, whether the person who signed the …[judgment]
should have been aware that they were frivolous.” Rogers v. Nacchio, 241 F. App’x 602, 610
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174. In this matter, it is abundantly clear that the documents altered were frivolous and Bolz
175. In 1999, the standard for granting fees pursuant to Section 57.105 was lowered. Instead of
having to show a "complete absence of a justiciable issue of either law or fact raised by the
losing party" as required by the previous version of Section 57.105, now a "movant need only
show that the party and counsel `knew or should have known' that any claim … was (a) not
supported by the facts or (b) not supported by an application of 'then-existing' law." Boca
Burger, Inc. v. Forum, 912 So. 2d 561, 571 (Fla. 2005) (quoting Section 57.105, Fla. Stat.
(2000)).
176. "The amendments therefore greatly expand the statute's potential use." Id.; see also
Albritton v. Ferrera, 913 So. 2d 5, 8 (Fla. 1st DCA 2005) (holding the 1999 amendment
"lowered the bar" by permitting the imposition of attorney's fees for any stage of the
proceeding, if it is determined the claim or defense lacks a sufficient factual or legal basis).
177. The Court may award fees at any time during an action or proceeding, and need not wait
until the conclusion of the action. In Bridgestone/Firestone, Inc. v. Herron, the First District
Court of Appeal affirmed an award of appellate attorney's fees pursuant to Section 57.105 to
an appellee where the appellant's position on appeal was "plainly without merit and could not
be sustained under any interpretation of the law." 828 So. 2d 414, 416 (Fla. 1st DCA 2002).
178. Similarly, there is no logical nor rational defense Bolz can make, to altering a judgment of
foreclosure for the sole and singular benefit of the Plaintiff at the expense of the Defendants.
179. Defendants seek only to determine entitlement to sanctions, reserving the determination of
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