Académique Documents
Professionnel Documents
Culture Documents
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2 IN THE CIRCUIT COURT
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OF THE SEVENTEENTH JUDICIAL CIRCUIT
3 IN AND FOR BROWARD COUNTY, FLORIDA
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CASE NO.: CACE10032662(11/SJ)
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5 U.S. BANK, NATIONAL ASSOCIATION,
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6 AS TRUSTEE FOR THE GSAMP TRUST
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7 2006-HE2, MORTGAGE PASS-THROUGH
8 CERTIFICATES, SERIES 2006-HE2,
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9 Plaintiff,
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10 vs.
11 MARIE MICHAUD and KUDER MICHAUD, Wife
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12 And Husband; et al.
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13 Defendant.
14 _______________________________________/
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15
16 * * * * * * * *
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20
21 DATE: March 9, 2011
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23 Suite 1500
24 Ft. Lauderdale, Florida
25 TIME: 10:49 - 11:41 o'clock a.m.
1 APPEARANCES:
2 GREENBERG, TRAURIG, PA
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401 East Los Olas Boulevard
3 Suite 2000
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Fort Lauderdale, Florida 33301-4223
4 954-768-8263; fax 954-765-1477
Attorneys for the Plaintiff
5 BY: CORY W. EICHHORN, ESQUIRE
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Eichhornc@gtlaw.com
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SHAPIRO & FISHMAN, LLP
7 2424 North Federal Highway
Suite 360
8 Boca Raton, FL 33431-7780
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Attorneys for the Plaintiff
9 BY: CHAD MUNEY, ESQUIRE
Cmuney@logs.com
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KORTE & WORTMAN, PA
11 2041 Vista Parkway su
Suite 102
12 West Palm Beach, FL 33411
561-228-6200; fax 561-245-9075
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13 Attorney for the Defendant
BY: BRIAN K. KORTE, ESQUIRE
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1 INDEX
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CHRISTOPHER SPRADLING 4
3 DIRECT EXAMINATION BY MR. KORTE
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4
Defendant's Exhibit No. 1 marked for 9
5 identification
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Defendant's Exhibit No. 2 marked for 11
6 identification
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Defendant's Exhibit No. 3 marked for 29
7 identification
Plaintiff's Exhibit No. 1 marked for
8 Identification 36
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3 Florida at large, at 101 Northeast 3rd Avenue, in the
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4 City of Fort Lauderdale, County of Broward, State of
5 Florida, pursuant to notice in said cause for the
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6 purpose of taking said deposition at the instance of the
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7 DEFENDANT in the above-styled action pending in the
8 above-named Court.
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9 THEREUPON,
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10 CHRISTOPHER SPRADLING,
11 being by me first duly sworn to testify the whole truth
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12 as is hereinafter certified, testifies as follows:
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13 MR. EICHHORN: Before we start the depo, I'm
14 going to object to the deposition on the basis that it's
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18 should be taken.
19 MR. KORTE: Anything else?
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22 BY MR. KORTE:
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3 you left college going forward.
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4 A. After under-grad, I started with American
5 Surveying Company -- no, excuse me -- Dresser Westech
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6 (phonetic). It was in 1984 in Shawnee, Oklahoma. I was
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7 with them until, I believe, '86. I went to American
8 Surveying Company. I was with them for, I believe, a
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9 year. Then I was with the Oklahoma Youth Center. And I
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10 was there until 1990, at which time I went to Citgo
11 Petroleum. I was with them until, I believe, '97.
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12 had my own law practice from '97 to '98. I went to work
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13 for The Money Store. Was with the Money Store until
14 2001. Went with The Dublin Realty Group after that. I
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15 was with them until '02. Since that time, I've been
16 with Litton Loan Servicing, L-i-t-t-o-n.
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3 Q. As litigation manager, do you do much servicing?
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4 MR. EICHHORN: Object to the form of the
5 question.
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6 THE WITNESS: Can you clarify the question?
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7 MR. KORTE: Sure.
8 BY MR. KORTE:
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9 Q. Do you post payments as a litigation manager?
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10 A. No. It's not required as my -- in my job.
11 Q. Do you do escrow disbursements?
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12 A. No, I do not.
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13 Q. Would it be fair to say that your entire job
14 entails support of litigation of Litton files, not of
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17 question.
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23 servicing of loans?
24 A. Yes. That is our function.
25 Q. Part of servicing of loans is posting payments,
1 correct?
2 A. Yes, it is.
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3 Q. And to collect payments?
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4 A. Yes.
5 Q. And to make disbursements?
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6 A. Yes.
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7 Q. And to keep the client reasonably informed about
8 the condition of the loans?
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9 A. Yes.
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10 Q. And also to prosecute litigation in cases where
11 they've been asked to do so? su
12 A. Yes.
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13 Q. Your job doesn't involve posting of payments or
14 keeping the client involved about the condition of a
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18 BY MR. KORTE:
19 Q. As far as this case is concerned, have you posted
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23 particular case?
24 A. August of 2010.
25 Q. How did you become involved in this case?
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3 Q. Have you been involved other than that?
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4 A. In preparation of this deposition.
5 Q. Well, then let me ask you, have you ever had an
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6 opportunity to speak with U.S. Bank, National
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7 Association, as trustee for the GSAMP Trust 2006-HE2,
8 Mortgage Pass-Through Certificates, Series 2006-HE2?
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9 A. No.
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10 Q. Have you ever had any communication in your
11 lifetime either through e-mail or otherwise with that
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12 entity?
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13 A. No.
14 Q. Have you had any opportunity through any
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20 BY MR. KORTE:
21 Q. Who designated you to be the Plaintiff today?
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3 BY MR. KORTE:
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4 Q. I believe my question to you, sir, was: Without
5 speaking to the Plaintiff in this case, how do you know
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6 that he designated you to be the Plaintiff?
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7 A. Through the pooling and servicing agreement that
8 we have and also the Power-of-Attorney.
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9 Q. Have you had an opportunity to review the pooling
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10 and servicing agreement at any particular time?
11 A. Yes, I have. su
12 Q. Can you tell me the section that says that Litton
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13 Loan Servicing is permitted to be the Plaintiff in a
14 litigation on behalf of the Plaintiff in this case?
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20 BY MR. KORTE:
21 Q. I'm going to hand you what's been marked as
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23 that document?
24 A. From the quick review I just did, it appears to
25 be the same document I reviewed.
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3 MR. EICHHORN: Object to the form. I'm
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4 going to object to any questions relating to the pooling
5 and servicing agreement. It's an
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6 over-three-hundred-page document. The document speaks
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7 for itself.
8 THE WITNESS: The document that I reviewed
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9 has on the cover page that Litton Loan Servicing is
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10 listed as the servicer. That's not included on this
11 document you've handed to me. su
12 Q. It's your understanding there's another document
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13 that is a pooling and servicing agreement that lists
14 Litton Loan Servicing as the servicer?
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18 A. (Handing).
19 Q. Are there any other documents besides the
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23 BY MR. KORTE:
24 Q. Who executed the Power-of-Attorney?
25 A. I don't have it in front of me. I don't recall
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3 A. Yes, I have seen that.
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4 Q. Do you know when it was executed?
5 A. Not without looking at the document.
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6 Q. Sir, in this particular case, are you aware that
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7 a complaint was filed on behalf of U.S. Bank versus
8 Marie Michaud?
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9 A. Yes.
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10 MR. KORTE: I'm going to mark this
11 Defendant's 2. su
12 (Defendant's Exhibit No. 2 marked for identification.)
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13 BY MR. KORTE:
14 Q. Have you looked at the complaint which has been
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15 marked as Defendant's 2?
16 MR. EICHHORN: This document looks like it
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3 Q. Sir, in count two of the mortgage foreclosure
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4 complaint is the reformation of the mortgage, correct?
5 A. Yes.
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6 Q. Part of that was done for what reason, if you
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7 know?
8 A. The assignment that was done listed plat book 16,
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9 and the plat book should be 18.
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10 Q. Then, at paragraph twenty, you said that --
11 apparently said the error was mutual and undiscoverable
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12 by the parties?
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13 A. That is what I stated, yes.
14 Q. Did you ever reach out to either of the parties
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17 Which parties?
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20 BY MR. KORTE:
21 Q. Would you agree with me that there were two
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3 A. Yes.
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4 Q. That mistake is a mistake in the plat book?
5 A. And the number, yes.
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6 Q. How did you know that it was a mistake and not an
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7 intentional change?
8 MR. EICHHORN: Object to the form.
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9 THE WITNESS: When I was verifying this
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10 complaint, I reviewed our notes in the system which is
11 part of our business records; and nothing in those notes
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12 indicated that the plat book 16 that was a scrivener's
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13 error on the assignment was the correct. So that's how
14 I knew that it should be 18 as listed in the mortgage.
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3 made an error?
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4 A. I verified the information through our business
5 records in our system.
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6 Q. That's not my question, sir.
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7 Did you reach out to anybody at Mortgage
8 Electronic Registration Systems to verify that it was
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9 truly an error?
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10 MR. EICHHORN: Object to the form.
11 THE WITNESS: No.
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12 BY MR. KORTE:
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13 Q. Did you reach out to anybody from U.S. Bank to
14 verify that it was an error?
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15 A. No.
16 Q. Did you reach out to Martia Noriega, who signed
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23 this form?
24 A. No. I reviewed our business records.
25 Q. Sir, as the Plaintiff in this case, can you tell
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3 MR. EICHHORN: Object to the form.
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4 THE WITNESS: The note was endorsed in blank
5 and negotiated to the Plaintiff.
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6 BY MR. KORTE:
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7 Q. Can you tell me the chain of title?
8 A. Can you clarify, please?
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9 Q. Can you tell me from whom at U.S. Bank, the
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10 Plaintiff in this case, received the note?
11 A. I believe it was -- su
12 MR. EICHHORN: Object to the form.
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13 THE WITNESS: I believe it was from
14 Accredited.
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15 BY MR. KORTE:
16 Q. You're here today as the Plaintiff, right?
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22 A. Yes.
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3 behalf of the Plaintiff.
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4 BY MR. KORTE:
5 Q. Who caused this complaint to be filed? Was it
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6 U.S. Bank, the Plaintiff, listed in the complaint; or
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7 was it Litton?
8 MR. EICHHORN: Object to the form.
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9 THE WITNESS: It was Litton on behalf of
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10 U.S. Bank. We're servicing for them.
11 BY MR. KORTE: su
12 Q. Let me ask this so I don't -- maybe I don't
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13 understand here. Did Litton file this complaint and put
14 you as named Bank -- U.S. Bank's name on it? Or did
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1 BY MR. KORTE:
2 Q. Let me go back to my initial set of questions.
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3 How did U.S. Bank come into possession of the note
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4 that's the subject of this litigation?
5 A. The note was part of an acquisition under the
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6 pooling and servicing agreement that's dated March 1 of
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7 '06. It was endorsed in blank. And U.S. Bank is
8 holding that note.
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9 Q. What was the date that U.S. Bank took physical
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10 possession of the note?
11 MR. EICHHORN: Object to the form of the
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12 question. And I will note that the original mortgage
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13 and note have been filed in this case with the court.
14 THE WITNESS: It would be around the time of
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20 A. No.
21 Q. Do you know if U.S. Bank ever physically took
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23 custodian?
24 MR. EICHHORN: Object to the form.
25 THE WITNESS: I don't know on that.
1 BY MR. KORTE:
2 Q. Do you know if there were any parties between the
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3 originator of the note and U.S. Bank, as Trustee?
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4 MR. EICHHORN: Object to the form.
5 THE WITNESS: No.
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6 BY MR. KORTE:
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7 Q. Can you tell me, as you sit here today -- and I
8 believe you've -- we've asked the question. I don't
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9 know if we've gotten a good answer. Can you tell me, as
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10 you sit here today, whom U.S. Bank received the note
11 from? su
12 MR. EICHHORN: Object to the form.
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13 THE WITNESS: I believe it was from
14 Accredited, directly from Accredited.
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15 BY MR. KORTE:
16 Q. Given the way you answered the question, let me
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3 MR. EICHHORN: Object to the form.
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4 THE WITNESS: From the review I've done, I
5 believe it's from Accredited.
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6 BY MR. KORTE:
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7 Q. Are you aware of any intervening parties between
8 Accredited and U.S. Bank?
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9 A. No, I'm not.
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10 Q. Is it your testimony today that the Plaintiff
11 received this note directly from Accredited into the
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12 U.S. Bank, National Association, as Trustee for the
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13 GSAMP Trust 2006-HE2, Mortgage Pass-Through
14 Certificates, Series 2006-HE2?
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17 BY MR. KORTE:
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20 original note?
21 MR. EICHHORN: Object to the form.
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3 BY MR. KORTE:
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4 Q. What documents in this case were transferred?
5 A. That would include the mortgage, the note, any
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6 assignments that would be in place, the origination
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7 paperwork from the original lender. Those are the
8 standard documents.
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9 Q. Does your system reflect receipt of those
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10 documents?
11 A. Our business records have imaged copies of all of
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12 the documents that were part of that file, yes.
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13 Q. When you say, "our system," do you mean, Litton
14 Loan Servicing system?
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17 systems?
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18 A. No.
19 MR. EICHHORN: Object to the form of the
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20 question.
21 The Plaintiff in this case is a trust. It
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3 MR. KORTE: Please cease speaking objections
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4 during my deposition, sir.
5 MR. EICHHORN: It's not a speaking
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6 objection. It's not argumentative. It's a concise
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7 objection according to the Florida Rules of Civil
8 Procedure. You can take it up with Judge Gates, if you
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9 want to.
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10 THE WITNESS: I'd like to take a break and
11 get some water, if I possibly could.
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12 (Recess.)
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13 (Requested portion read back by court reporter.)
14 BY MR. KORTE:
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22 BY MR. KORTE:
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3 received?
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4 MR. EICHHORN: Object to the form.
5 THE WITNESS: No. I was not present when
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6 the documents came into the building.
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7 BY MR. KORTE:
8 Q. Are you aware of the scanning procedures of
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9 Litton Loan Servicing?
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10 A. I have a general knowledge.
11 Q. I think you just testified a moment ago that the
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12 documents would have been scanned and sent to Litton
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13 upon receipt by the Plaintiff in this case?
14 MR. EICHHORN: Object to the form.
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3 Q. Would you please review the Composite Exhibit A
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4 of Defendant's 2 and tell me if it substantially looks
5 like the document you reviewed before coming here today.
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6 A. Yes, it does.
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7 Q. Are there any differences between the note that's
8 attached to Composite Exhibit 2 in this deposition from
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9 the one that you reviewed at scanning?
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10 MR. EICHHORN: Object to the form.
11 THE WITNESS: No.
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12 same document.
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13 BY MR. KORTE:
14 Q. I'd like for you to turn to the last page of the
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3 Servicing?
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4 MR. EICHHORN: Object to the form of the
5 question.
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6 THE WITNESS: I believe there's one system.
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7 BY MR. KORTE:
8 Q. In that system, is it a bulk scan of all the
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9 documents; or is it a scan where you have got different
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10 files for each different document?
11 A. There's a different file for each document.
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12 Q. There would be a mortgage document contained in
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13 your scan file?
14 A. Yes.
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17 A. Yes.
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23 contain a note?
24 A. Yes.
25 Q. Is there an Allonge document in your scan system?
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3 next document behind the Allonge, the addendum to the
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4 adjustable rate note, are they all contained in the same
5 file?
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6 MR. EICHHORN: Object to the form of the
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7 question.
8 THE WITNESS: Yes.
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9 BY MR. KORTE:
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10 Q. Are they affixed in the same order which they're
11 presented here today? su
12 A. Yes.
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13 Q. Do you know when the Allonge was physically
14 attached to the note?
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18 BY MR. KORTE:
19 Q. Let me ask. Do you know when it was attached?
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22 of scan?
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23 A. Yes.
24 Q. Could you ascertain, within a reasonable amount
25 of time, the date that this Allonge was actually
1 scanned?
2 A. Yes. It would have been the same date that the
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3 note was scanned.
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4 Q. I'm going to ask you to turn to Composite Exhibit
5 C of that document, which is the assignment of mortgage
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6 contained in this Exhibit 2 for today's deposition.
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7 A. Okay.
8 Q. Is Litton Loan Servicing or the Plaintiff
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9 affiliated with Mortgage Electronic Registration
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10 Systems?
11 MR. EICHHORN: Object to the form.
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12 THE WITNESS: Can you clarify what you mean
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13 by, "affiliated"?
14 BY MR. KORTE:
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17 A. No.
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20 A. Not to my knowledge.
21 Q. Do you know if anybody either at Litton or at the
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1 BY MR. KORTE:
2 Q. Who caused Mortgage Electronic Registration
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3 Systems to execute this assignment from either the
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4 Plaintiff or Litton?
5 A. It would have been from -- Litton would have
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6 requested the assignment.
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7 Q. Litton would have requested the assignment from
8 whom, sir?
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9 A. The exact preparation, I don't know. I believe
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10 our foreclosing counsel may have created the actual
11 document. su
12 Q. Would Litton have reached out to -- I'm going to
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13 call it MERS in place of Mortgage Electronic
14 Registration Systems. Would Litton have reached out to
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3 BY MR. KORTE:
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4 Q. As of April of 2009, are you aware if Accredited
5 Home Lenders was in bankruptcy?
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6 A. I don't know what their status was.
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7 Q. Are there any other assignments of mortgage other
8 than this one as Composite Exhibit C that you're aware
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9 of?
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10 A. No.
11 Q. Are there any in the scan system that we haven't
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12 touched on today that may be involving the same parties?
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13 A. Not that I'm aware of.
14 Q. Do you know when Marti Noriega received authority
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3 Q. You're referring to, "the document." What
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4 document is that?
5 A. The document that's granting authority to them to
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6 sign on behalf of MERS.
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7 Q. Do you know when Ms. Bailey received her
8 authority to sign?
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9 A. No, I do not.
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10 (Defendant's Exhibit No. 3 marked for identification.)
11 BY MR. KORTE: su
12 Q. Let me hand you what's been marked as Defendant's
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13 3. Sir, have you ever seen the original note before
14 coming here today?
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3 A. No, I do not.
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4 Q. Do you know who placed the endorsement on this
5 document?
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6 A. Usually, where there's an endorsement, that's
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7 placed in after we receive the file. It's done through
8 our collateral documents group.
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9 Q. This document isn't contained in your scans, is
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10 it?
11 A. I'm not certain if it is or not.
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12 review the documents, again.
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13 Q. Well, when I asked you earlier if the one
14 attached to the complaint -- the note attached to the
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17 A. Yes.
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3 is this the original Allonge copied with the correct
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4 endorsement?
5 A. The only way I could verify that is to see the
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6 actual, original note which is on file with the court.
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7 Q. Do you know why the Allonges are different from
8 the one that was filed with the complaint and the one
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9 that was filed with the court several months later?
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10 A. No, I do not.
11 Q. Who had custody of the note from the time that
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12 the Plaintiff took possession of it until the time it
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13 was filed in the court?
14 A. Usually, those are maintained by the custodian.
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3 Florida is an original-document state.
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4 Q. You signed the verification in this complaint,
5 correct?
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6 A. Yes.
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7 Q. You didn't review the original documents when you
8 signed it, correct?
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9 A. No. I reviewed the copies that were attached as
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10 exhibits.
11 Q. You don't know whether the Allonge produced as
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12 the true original is a copy?
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13 A. Not without seeing the document, I don't.
14 Q. At no time has anybody ever provided you the
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23 notes.
24 BY MR. KORTE:
25 Q. Do you know when this loan was boarded to your
1 system?
2 MR. EICHHORN: Object to the form.
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3 THE WITNESS: I know the acquisition date
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4 was 3/1 of '06. So the boarding date would be shortly
5 thereafter if not on the same date. But I'd have to
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6 verify it with our system.
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7 BY MR. KORTE:
8 Q. Do you know from whom the documents were boarded,
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9 who you got the prior servicing records from?
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10 A. I'm not certain who -- if there was a servicer
11 that was handling this or if it came directly from
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12 Accredited.
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13 Q. Is there any indication from your review of your
14 business records that it was handled or serviced by
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15 anybody else?
16 A. I didn't specifically look for that in my review,
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20 A. I do not know.
21 Q. Do you know where the Plaintiff is incorporated?
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22 A. No.
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3 question.
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4 THE WITNESS: No, I do not.
5 BY MR. KORTE:
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6 Q. Do you have a phone number for the Plaintiff?
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7 A. No. I'm sure we have that information. But I
8 don't have a reason to be in contact with them.
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9 Q. Do you have an address?
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10 A. I'm sure we do. But I don't have that
11 information with me. su
12 Q. Do you know if the Plaintiff maintains any
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13 employees whatsoever?
14 A. No, I do not. But, as a trust, I don't believe
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17 particular note?
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20 declared to be in default?
21 A. Yes.
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3 Q. Specifically what staff, if you know?
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4 A. I don't know the specific name of the department
5 that would actually create it.
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6 Q. If I sent a request to your lawyer, would you be
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7 able to tell your lawyer within a few minutes of
8 searching?
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9 A. I'm sure we could obtain that information.
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10 Q. Are you aware of any obligation on behalf of
11 Accredited to repurchase this loan?
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12 MR. EICHHORN: Object to the form of the
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13 question. Irrelevant.
14 THE WITNESS: I'd have to review the
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17 BY MR. KORTE:
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23 question.
24 THE WITNESS: I don't have any knowledge on
25 that.
1 BY MR. KORTE:
2 Q. Are you aware if the Plaintiff in this case
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3 recovered any money in Accredited Home Mortgage's
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4 bankruptcy filing?
5 MR. EICHHORN: Object to the form.
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6 THE WITNESS: I'm not aware of anything with
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7 the bankruptcy.
8 MR. KORTE: Sir, I've got nothing further
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9 for you.
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10 THE WITNESS: Okay.
11 MR. EICHHORN: I don't have any questions.
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12 I'm going to attach a letter I sent to Mr. Korte's
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13 office yesterday as Plaintiff's Exhibit No. 1.
14 (Plaintiff's Exhibit No. 1 marked for identification.)
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1 CERTIFICATE OF OATH
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3 STATE OF FLORIDA
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4 COUNTY OF PALM BEACH
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6 I, Rachele L. Cibula, the undersigned authority,
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7 certify that CHRISTOPHER SPRADLING personally appeared
8 before me and was duly sworn.
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9
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10 Witness my hand and official seal this 10th day of
11 March, 2011. su
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19 _____________________________
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20 RACHELE CIBULA
Notary Public, State of Florida
21 My Commission #DD
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1 C E R T I F I C A T E
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3
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4 THE STATE OF FLORIDA)
5 COUNTY OF PALM BEACH)
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7 I, Rachele Lynn Cibula, Notary Public, State of
8 Florida at Large,
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9 DO HEREBY CERTIFY that I was authorized to and did
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10 stenographically report the foregoing deposition; and
11 that the transcript is a true and correct transcription
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12 of the testimony given by the witness.
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13 I FURTHER CERTIFY that I am not a relative, employee,
14 attorney or counsel connected with the action, nor am I
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23 ____________________________________
24 RACHELE LYNN CIBULA, NOTARY PUBLIC
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