Acceleration

Residential Mortgage Consultant and Expert Witness Christopher Wyatt Faces His Own PHH Foreclosure

Apparently, Chris Wyatt was fired by Goldman Sachs while employed as VP for Litton Loan Servicing in Houston. Ocwen would acquire Litton.

Wyatt v. PHH Mortgage Corporation

(4:22-cv-02069)

District Court, S.D. Texas

JUN 27, 2022 | REPUBLISHED BY LIT: JUL 5, 2022

ORDER

A suggestion of bankruptcy has been filed in this cause by plaintiff Christopher Wyatt

(Dkt. No. 4).

The plaintiff/debtor filed a petition under Chapter 13 of the Bankruptcy Code in the United States Bankruptcy Court for the Southern District of Texas, Case No. 22-31597.

A petition filed under 11 U.S.C. §§301, et seq., operates as a stay of a judicial proceeding that was commenced against the debtor before the bankruptcy proceeding.

11 U.S.C. §362(a)(1).

Accordingly, this case is STAYED as to plaintiff Christopher Wyatt.

It is so ORDERED.

 

 

 

 

KENNETH M HOYT
UNITED STATES DISTRICT JUDGE

SIGNED on July 29, 2022, at Houston, Texas.

Hess files CIP for PHH – late on Jul 19, 2022

U.S. District Court
SOUTHERN DISTRICT OF TEXAS (Houston)
CIVIL DOCKET FOR CASE #: 4:22-cv-02069

Create an Alert for This Case on RECAP

Wyatt v. PHH Mortgage Corporation et al
Assigned to: Judge Kenneth M Hoyt
Demand: $250,000,000

Case in other court:  151st Judicial District Court Harris County Texas, 22-33829

Cause: 28:1332 Diversity-Notice of Removal

Date Filed: 06/27/2022
Jury Demand: None
Nature of Suit: 220 Real Property: Foreclosure
Jurisdiction: Diversity

 

Date Filed # Docket Text
07/18/2022 4 SUGGESTION OF BANKRUPTCY by PHH Mortgage Corporation, filed.(Hess, Vincent) (Entered: 07/18/2022)
07/19/2022 5 NOTICE of Designation as Lead Counsel for Defendant AVT Title Services, LLC., by AVT Title Services, LLC, filed. (Cronenwett, Mark) (Entered: 07/19/2022)
07/19/2022 6 CERTIFICATE OF INTERESTED PARTIES by PHH Mortgage Corporation, filed.(Hess, Vincent) (Entered: 07/19/2022)

 


 

PACER Service Center
Transaction Receipt
07/20/2022 12:18:51

Combined State Court Documents for Case;

202233829 – WYATT, CHRISTOPHER vs. PHH MORTGAGE CORPORATION (Court 151)

ORDER for Initial Pretrial and Scheduling Conference by Telephone and Order to Disclose Interested Persons.

Counsel who filed or removed the action is responsible for placing the conference call and insuring that all parties are on the line.

The call shall be placed to (713)250-5613. Telephone Conference set for 10/20/2022 at 08:45 AM before Judge Kenneth M Hoyt.

(Signed by Judge Kenneth M Hoyt) Parties notified.(chorace) (Entered: 06/30/2022)

Welcome to Wyatt Consulting Services, an expert advisory service related to the residential mortgage industry. With headquarters in Spring, Texas, we have provided strategic advisory services to law firms and their clients.

MISSION STATEMENT

In a sophisticated and complex industry, our mission is simple – to enhance every client’s capabilities with expert advice yielding optimal results. Our charge is to add value to our clients’ decisions, with custom solutions guided by integrity, analytical proficiency and confidentiality.

AREAS OF EXPERTISE

Comprehensive understanding of all the obligations and duties of the mortgage loan servicers for properly servicing a residential mortgage loan. Extensive experience in the day-to-day mortgage loan servicing operations, compliance, loan modifications, including the federal Home Affordable Modification Program, policy and procedures, litigation management and strategy, media issues, and elevated customer issues, including:

• Comprehensive mortgage loan litigation strategy for managing litigation matters, including class action lawsuits
• Provided detailed loan level analysis to outside counsel and their clients
• Assisted in the implementation of Home Affordable Modification Program
• Identifying operational risk related to the Home Affordable Modification Program
• Identifying servicing operational risk and provided analysis and recommendations
• Provided deposition and trial testimony
• Reviewed policy and procedures for mortgage servicing operations
• Substantial experience with inquires and responses to Federal Reserve, Attorney General Offices, bank regulatory offices, and news media
• Management of an elevated customer call center.
• Attended mortgage industry conferences and webinars

EXPERT OPINIONS AND ANALYSIS

Expert opinions is perhaps the most comprehensive service we provide. In the course of due diligence research, interviews and surveys, information of primary importance is revealed. Our due diligence reports are valued for their depth, insight and accuracy.

Expert opinions and compliance reviews/reports
Extensive experience in loan level analysis
Extensive experience in documenting operational servicing risks
Servicing policy and procedure
Analysis and review

ADVISORY

Our advisory services are well known in the mortgage industry. Whether acting in a consulting capacity or as an advocate for consumer rights. Our objective is to provide excellent service and results.

Expert witness services
Specialized skills in property analysis in complex mortgage loan servicing issues
Specialize skills in documenting complex mortgage servicing issues
Development of litigation strategy
Extensive experience in day to day mortgage loan servicing operation industry risk analysis
Extensive experience in loan modification policy and procedures, including Home Affordable Modification Program “HAMP”
Fair Credit and Fair Lending issues

History

Wyatt Consulting Services was founded by Chris Wyatt, a former mortgage banker and Vice President of a mortgage loan servicer, for the purpose of advising on all facets of the mortgage loan services industry.

Philosophy

Our sole purpose is to help solve problems and maximize results. We help evaluate and analyze complex mortgage loan issues. We provide expert reports and expert witness testimony to our clients to achieve their goals.

Chris Wyatt
Vice President at Litton Loan Servicing LP

Who took over Litton Loan Servicing?

Ocwen Financial

Ocwen Financial (OCN) acquired Houston-based mortgage servicer Litton Loan Servicing from Goldman Sachs (GS)  for $263.7 million, according to an Ocwen filing with the Securities and Exchange Commission. – Jun 6, 2011

+++++++++++++++

MSFraud

Gary Wait 03/04/11

In the continuing and ever changing world of Litton Loan, and Goldman, the big question now is Green Tree going to buy Litton Loan?

Reports of several meetings, including this past weekend at Larry Littion’s Sr. home, are leading to speculation that it maybe so.

However a very large sticking point remains the ever growing, and continuing litigation Litton Loan finds its self in. Exactly who is going to be responsible for all the liability?

Information, that former Vice President Chris Wyatt, has been quietly talking to several investigators about individuals at Litton Loan, both former and current continues to be heard. Even though Mr. Wyatt was let go with a severance and a non disclosure agreement.

Chris Wyatt has reported to have named several former and current employee’s at Litton Loan that were responsible for signing altered and forged documents.

Wyatt smarting from his dismissal from Litton Loan after Goldman took over continues to work as a “Consultant” from his home in Spring Texas.

Several years ago I wrote about piercing the corporate veil through its Corporation Counsel.

Well the time has now come for that.

Under the POOLING AND SERVICING Agreements, LITTON LOANS, corporation counsel is and was responsible for the removal and disposition of all mortgages from the agreement that were either paid off, sold or foreclosed up.

Well it appears that she did not perform these duties as required under the terms of the pooling and servicing agreements, in fact, they were left in the pooling agreements, and interest continued to be paid by Litton Loan leading investors to believe they were in fact “performing” loans.

What ever happened to the “Original Mortgage”?

Well according to the Pooling and Servicing Agreements only Litton Loans Corporate Counsel knows!!!

Welcome to the Fraud! Now what happened to the money?

When the investors were getting there small interest payments, what happened to all those fraudulent fee’s like forced place insurance?

BPO fees, late interest charges, charges for loan modifications?

And all the other bogus charges Like the $9,9090.00 LEGAL RE FERAL FEES you charge and hide in your maulti accounting systems.

How much longer do you think Janice will be able to hide behind being the corporations counsel, when she is asked what she did specifically with several mortgages that were contained with the pooling and servicing agreements?

FRAUD BY INTELLIGENT DESIGN! Now its not just the home owner, but the Investors and now looking at you!

Green Tree I hope you feel comfortable if you buy Litton Loan! But then you guys have your own sorted past in Minnesota, don’t you?

How many was it that went to jail from Green Tree?

Remember that obstinate computer from Stanley Kubrick’s 2001: A Space Odyssey — HAL 9000 — a machine with a will of its own? No matter how hard astronaut Dave tried to get those pod bay doors opened HAL refused to comply.

Well, Houston resident Chris Wyatt thinks he’s discovered HAL’s mortgage doppelganger in an Ocwen computer platform known as REALServicing and like HAL it seems to just as obstinate when asked by homeowners for information regarding critical stuff like amounts due, escrow, payment histories, et al.

Mortgage servicing is big, very big business impacting tens of millions of Americans who pay their monthly vigs to a variety of servicing companies; some owned by the Mega-banks themselves and others, like Ocwen, unaffiliated and known as non-bank servicers.

Collectively, they’ve also been at the heart of a number of investigations following 2008’s sub-prime meltdown — notably, revelations of fraudulent “robo-signing” — taking regulatory heat for stoking a foreclosure crisis that’s ravaged communities from coast to coast (some have yet to recover).

Wyatt, a soft-spoken Texan, knows the world of mortgage servicing intimately; he also knows where the bodies are buried.

For close to a decade he was a senior executive at Litton Loan Servicing — part of his job involved approving loan modifications — that is, until thousand pound investment elephant, a/k/a Goldman Sachs, acquired the company late 2007.

Goldman’s imprimatur suddenly became part and parcel of a new strategy: short term profits trumped loan modifications (too costly).

In other words: bring on the foreclosures.

After bumping heads over foreclosure-first policies with bosses at Litton and Goldman — and possessing a conscience; a quality rarely found in the financial services industry — Wyatt packed it in, leaving the firm in 2010.

He found his true passion: advocating for homeowners and, with that, started to blow the whistle.

A disclosure: I know Wyatt since his days as an executive at Litton Loan. In that capacity he approved a loan modification for my wife and myself shortly before the firm was taken over by Goldman Sachs: our modification was then voided.

Since 2011, Ocwen Loan Servicing — as successor to Litton Loan Servicing — has been trying to foreclose — so far, unsuccessfully — on the writer’s home in Westchester County, New York.

Wyatt’s current target of disaffection is Ocwen Financial.

With upwards of a million homeowners in their mortgage portfolio Ocwen has engendered some extreme regulatory vetting.

Last April the firm became a target for some 31 state regulatory agencies (including the District of Columbia) which began issuing cease and desist orders.

The Consumer Financial Protection Bureau — never a friend of Ocwen — also weighed in suing the company for grave indiscretions that ran the gamut from failing to respond to complaints; failing to credit borrower’s payments, and, worse still: illegally foreclosing on homeowners.

These regulatory efforts were designed to prevent Ocwen from acquiring new mortgage servicing rights (”MSR’s” in the lingo); the equivalent of keeping Dracula away from needed sources of human blood.

Homeowners had, in effect, become stand-ins for astronaut Dave in 2001: A Space Odyssey. Ocwen’s level of communications with the folks they serviced was reduced, according to regulators, to the level of “I’m sorry Dave, I’m afraid I can’t do that…”

Connecticut put it this way in their cease and desist order:

The Commissioner finds that the public welfare requires immediate action in order to prevent irreparable and immediate harm to Connecticut borrowers… Since December 2013, State Mortgage regulators, including this Department, have been concerned about Ocwen’s mortgage servicing practices including, but not limited to, the misapplication of borrower payments and inaccurate escrow accounting and statements, and that the recent Multi-State Examination and CT Examination indicate that these issues have not been resolved, but rather may be exacerbated.

Now, Wyatt is not just a critic of Ocwen, he’s also an Ocwen victim with his own tale to tell.

After a fire damaged his Houston area home in 2016 he filed an insurance claim and received a check; which, following standard procedure, had to be co-signed by the servicer of record: Ocwen.

This should have been done in a timely manner because insurance company policies include depreciation clauses. The longer you wait after the initial repair estimate — contractors factor in price increases that go beyond the claim amounts — costs of repairs increase proportionally.

Claim amounts, including depreciation, are usually good for a year so if you ain’t got that check co-signed and returned then the repairs ain’t gonna happen unless you want to crack open the piggy bank; which Wyatt wasn’t willing to do. Compounding the problem were health concerns caused by mold that had formed in the damaged areas.

What he did do, though, was record his calls with Ocwen representatives who offered nothing short of obfuscation: documents had disappeared, they told him, or couldn’t be found. Wyatt re-submitted. Again, these documents seemed to disappear into the REALServicing ether.

One operator put him on hold; allegedly to search the system further. After a silence of more than ten minutes she returned — on a speaker phone (a privacy no/no in a roomful of other operators, who can clearly be heard in the background) — and claimed she was now out to lunch.

So what, Wyatt muses, are the chance that homeowners serviced by Ocwen in hurricane ravaged communities stand to get their insurance proceeds in a timely manner?

Not great. (Wyatt is recording complaints from fellow frustrated Harvey-Hit Texas homeowners which he intends to post on-line).

Ocwen’s response to regulatory strangulation has been a full-court press; assuring the folks that applied the garrote that all was being dealt with and that includes taming the Hal-like sensibilities of the REALServicing software program.

To date 22 states have bought into the promises. All mention the REALServicing problem.

The state of Idaho, for instance, memorializes this in fine print:

Ocwen shall develop a detailed Plan of Action and Milestones (POAM) for the transfer and servicing of all residential mortgages currently administered on the REALServicing platform to other servicing platform(s) that will enable Ocwen to comply with applicable mortgage servicing standards for its residential mortgage portfolios.

On November 1st, Ocwen announced that it had plumbed the mortgage cosmos and found some new and very amazing software that goes by the cosmic moniker: Black Knight LoanSphere MSP.

With much fanfare Ocwen spokesperson, John Lovallo, announced in Housing Wire, that this wasn’t an overnight scramble but the result of a “multi-year” search and that Black Knight would, in essence, turn RealServicing’s HAL into a very reasonable C.H.O.M.P.S (the friendly robot dog).

Wyatt, who knows the intricacies of mortgage servicing platforms (he was trained in the use of Litton programs, Lsams and Radar) finds real problems and potential legal liabilities in this changeover.

Citing the December, 2014, consent agreement with New York’s muscular Department of Financial Services, Wyatt feels Ocwen was less than enthusiastic about making meaningful changes:

It’s clear that Ocwen did nothing, after the 2014 consent order, to remedy the deficiencies and reliability of information maintained for homeowner loans it was servicing.

Ocwen will, in my opinion, be exposed to significant exposure and liability from homeowners concerned about the accuracy of the loan information maintained in their old system, now destined for new life in Black Knight’s LoanSphere.

Now, changing over to a new system ain’t as easy pulling the plug on HAL and exporting the data elsewhere.

There are significant concerns, according to Wyatt:

First, is the Ocwen data being transferred accurate and reliable?

Given Ocwen’s track record — highlighted by the NY Department of Financial Service and subsequent regulatory orders — it’s clear to me that mortgage loan data transferred to a new system will remain suspect and unreliable.

Second, while a conversion could be made in a short period of time, say within a 90 day period, Ocwen will be saddled with a huge burden of attempting to retrain its personnel to effectively use the new system.

Such a retraining process could take six months or longer which will cast further doubt on the reliability of the mortgage loan data that Ocwen will continue to service.

I offered some of Wyatt’s concerns to aforementioned Ocwen spokesperson, John Lovallo, for comment.

I received no response.

There are some keeping the faith that Ocwen can pull through; one, in particular — John Devaney — with a significant equity investment is all bullish; painting a rosy future for the firm.

In a phone call with me he repeatedly asserted that Ocwen — with a policy of principal write-downs and loan mods — is the best thing for homeowners since sliced bread.

He also tried to make the case that the homeowner-unfriendly Mega-Banks shouldn’t escape regulatory wrath:

It’s pitiful.. from an ethical standpoint the regulators have it twisted. Banks like Wells Fargo and Bank of America had been only interested in liquidating the most at risk “subprime borrowers” whose loans live in the private label RMBS deals; kicking people out of their homes, adding, that Ocwen remains the best mortgage servicer of subprime loans in the world and I’ve been trading subprime RMBS bonds for over twenty years.

His reaction to the carpet beating administered to Ocwen by regulators?

The company deserves better.

I’d venture the strong opinion that the tens of millions of Americans who are serviced by both big bank and non-bank servicers do deserve better.

What’s needed, according to Wyatt, is a new paradigm; a sort of 2001 “space baby” resurrection and rebirth for an industry that should be putting the needs of homeowners at least on par with those of investors.

Perhaps a peek at the small entrepreneurial efforts initiated by companies like American Homeowner Preservation (which I wrote about for American Banker) may be worth a look-see.

While only dealing with a fraction of the number of mortgages held by the Big Boys there may be a workable seed that once planted may someday put the bloom back on the homeowner’s rose.

By
Joel Sucher, Contributor
New York filmmaker/author/blogger
Nov 7, 2017, 06:49 PM EST | Updated Dec 17, 2017

Robin Sowell is the managing partner for Sowell, Alvares & Walls, PLLC.  Robin  practices in the areas of family law, health law, corporate transactional law and complex business and general litigation in both State and Federal Courts.

Robin’s corporate transactional practice includes entity structure and formation, mergers and acquisitions, and commerical real estate transactions.

Robin’s litigation practice includes representation of businesses and individuals in various commercial disputes including breach of contract, fraud, securities fraud, business torts, family law and employment matters.

Robin’s health law practice includes representing physicans, medical groups, and other healthcare entities with practice establishment and structure, practice management, development and contracting issues, merger and acquisition, litigation matters, and employment related issues.

Robin also advises clients regarding regulatory compliance issues including fraud and abuse, STARK, HIPAA, peer review and quality assurance matters, and licensing issues.

Robin has been practicing law since 1994 and is licensed to practice in all state courts in Texas as well as before the U.S. District Court for the Southern District of Texas.

Robin graduated Phi Kappa Phi from the Wichita State University with a Bachelor of Arts, magna cum laude in 1990, and received her law degree from South Texas College of Law in 1994.

Robin is a member of the State Bar of Texas, American Health Lawyers Association and Fort Bend Bar Association where she is a former president

It may be 2011, but Sowell violated Section 392.101 of the Texas Finance Code as soon as she filed for a writ of garnishment, which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.

 

200622612B- 7
Disposed (Final)
SMITH, STEVEN S vs. HOUSTON COMMUNITY BANK, NATIONAL ASSOCIATION 5/3/2011 165 Civil GARNISHMENT (AFTER JUDGMENT)
200622612A- 7
Disposed (Final)
WILLIAMS, L BERT D C P C (D/B/A CHAMPION vs.
JP MORGAN CHASE BANK (NATIONAL ASSOCIATI

U.S. District Court
SOUTHERN DISTRICT OF TEXAS (Houston)
CIVIL DOCKET FOR CASE #: 4:22-cv-02069

Create an Alert for This Case on RECAP

Wyatt v. PHH Mortgage Corporation et al
Assigned to: Judge Kenneth M Hoyt
Demand: $250,000,000

Case in other court:  151st Judicial District Court Harris County Texas, 22-33829

Cause: 28:1332 Diversity-Notice of Removal

Date Filed: 06/27/2022
Jury Demand: None
Nature of Suit: 220 Real Property: Foreclosure
Jurisdiction: Diversity
Plaintiff
Christopher Wyatt represented by Ali Hakeem
Sowell, Alvarez, & Walls, P.C.
21320 Provincial Blvd
Ste 100
Katy, TX 77450
832-968-7333
Email: ahakeem@sawpllc.com
LEAD ATTORNEY
ATTORNEY TO BE NOTICEDRobin Lee Sowell
Sowell, Alvares, & Walls, PLLC
21320 Provincial Blvd
Ste 100
Katy, TX 77450
832-437-0973
Fax: 832-437-0980
Email: rsowell@sawpllc.com
LEAD ATTORNEY
ATTORNEY TO BE NOTICED
V.
Defendant
PHH Mortgage Corporation represented by Matthew Hogan Davis
Locke Lord LLP
2200 Ross Ave
Ste 2800
Dallas, TX 75201
214-740-8315
Email: mdavis@lockelord.com
LEAD ATTORNEY
ATTORNEY TO BE NOTICEDRobert T Mowrey
Locke Lord LLP
2200 Ross Ave
Ste 2800
Dallas, TX 75201-6776
214-740-8000
Fax: 214-740-8800
Email: rmowrey@lockelord.com
LEAD ATTORNEY
ATTORNEY TO BE NOTICEDVincent J Hess
Locke Lord LLP
2200 Ross Ave
Ste 2800
Dallas, TX 75201
214-740-8732
Email: vhess@lockelord.com
ATTORNEY TO BE NOTICED
Defendant
Power Default Services, Inc.
Defendant
AVT Title Services, LLC represented by Nicholas Michael Frame
Mackie Wolf Zientz Mann, P.C.
5177 Richmond Avenue
Suite 1230
Houston, TX 77056
713-730-3219
Email: nframe@mwzmlaw.com
ATTORNEY TO BE NOTICED

 

Date Filed # Docket Text
06/27/2022 1 NOTICE OF REMOVAL from 151st Judicial District Court of Harris Co TX, case number 2022-33829 (Filing fee $ 402 receipt number ATXSDC-28372489) filed by PHH Mortgage Corporation. (Attachments: # 1 Exhibit index of matters being filed, # 2 Exhibit civil cover sheet, # 3 Exhibit plaintiff’s verified app for TRO, TI and original petition, # 4 Exhibit order granting plaintiff’s verified app for TRO, TI and petition for declaratory judgment, # 5 Exhibit clerk’s certificate of cash deposit in lieu of injunction bond per order of court, # 6 Exhibit requests for issuance of service, # 7 Exhibit motion to extend TRO, # 8 Exhibit order on motion to extend TRO, # 9 Exhibit defendant PHH’s original answer, # 10 Exhibit copy of state court docket sheet, # 11 Exhibit list of all counsel of record including addresses, telephone numbers and parties represented, # 12 Exhibit harris county appraisal district valuation for property)(Hess, Vincent) (Entered: 06/27/2022)
06/30/2022 2 ORDER for Initial Pretrial and Scheduling Conference by Telephone and Order to Disclose Interested Persons. Counsel who filed or removed the action is responsible for placing the conference call and insuring that all parties are on the line. The call shall be placed to (713)250-5613. Telephone Conference set for 10/20/2022 at 08:45 AM before Judge Kenneth M Hoyt.(Signed by Judge Kenneth M Hoyt) Parties notified.(chorace) (Entered: 06/30/2022)
07/01/2022 3 ANSWER to 1 State Court Petition/Notice of Removal by AVT Title Services, LLC, filed.(Frame, Nicholas) (Entered: 07/01/2022)

 


 

PACER Service Center
Transaction Receipt
07/05/2022 09:53:07

Removal of Foreclosures from State Court on a Min. Sum of $75k is a Disgrace. Shamefully, Congress Do Nothing

LIT avers this sum as being absurd in 2022. The min. sum should be $750k. You’re dragging the average Texas Citizens into Federal Court.

Who is Judge Kyle Carter, 125th District Court, Harris County, Texas?

Judge Kyle Carter worked himself into the Real Scumbags Series on LIT and his recent actions raised red flags, so we went diggin’.

Criminal Foreclosure Mills in Texas: The Loan Was Accelerated. No, Take that Back, It Wasn’t.

Invisible foreclosure mill lawyer Mark Hopkins is joined by Shelley Hopkins and more recently Bradley Attorney Lembke in PNC Bank v Howard.

Residential Mortgage Consultant and Expert Witness Christopher Wyatt Faces His Own PHH Foreclosure
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Laws In Texas first started as an independent investigative blog about the Financial Crisis and how the Banks and Government are colluding against the citizens and homeowners of the State of Texas, relying upon a system of #FakeDocs and post-crisis legal precedents, specially created by the Court of Appeals for the Fifth Circuit to foreclose on homeowners around this great State. We are not lawyers. We do not offer legal advice. That stated, LIT's Blog has grown tremendously during the three or so years it has been operating and our reach is now nationwide as we expand via our micro-blogs in various states. Join us as we strive to bring back justice and honor to our Judiciary and Government employees, paid for by Citizens.

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