Motion to Dismiss Foreclosure Action and Notice of Motion

State:
Multi-State
Control #:
US-02684BG
Format:
Word; 
Rich Text
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Description

The Federal Rules of Civil Procedure (which most states have adopted in one form or another), state in effect that it is not necessary to file an answer to a complaint until a motion to dismiss has been ruled upon by the court. One way to begin arguing against the plaintiffs foreclosure action without filing an answer addressing the entire complaint is to file a motion to dismiss based on the plaintiffs inability to bring the lawsuit in the first place. Defendants can state that the plaintiff has not shown it even owns the mortgage and therefore has no claim to any of the defendant borrower's property. If the plaintiff does not have a right to collect the mortgage payments and foreclose, it is not the party in interest and may not legally bring a foreclosure lawsuit against the owner.


If the mortgage or note with assignment proof is not attached to the complaint, the plaintiff may have trouble showing it is legally allowed to foreclose on the subject property. Simply filing a copy of the original mortgage or deed of trust may not suffice. Some courts have held that the plaintiff must produce evidence that it is the current owner and assignee of the original note and mortgage.


No matter what defenses are set forth in the motion to dismiss, defendants need to be aware that this tactic only puts the foreclosure on hold until the motion can be ruled upon. It does not stop foreclosure entirely, and the defendant will need to file an answer if the motion is denied.

Definition and meaning

A Motion to Dismiss Foreclosure Action is a legal document filed by a defendant in a foreclosure case, requesting the court to dismiss the plaintiff's case against them. This motion can be grounded on several legal arguments, indicating that the plaintiff has not successfully established their right to foreclose. The accompanying Notice of Motion serves to inform the parties involved, including the court and plaintiff, about when the motion will be heard.

How to complete a form

To complete the Motion to Dismiss Foreclosure Action and Notice of Motion, follow these steps:

  1. Begin by filling in the name of the court and the county where your case is filed.
  2. Include the names of the plaintiff and defendant along with their corresponding designations.
  3. State the cause number assigned to your case.
  4. Clearly outline the grounds for your motion to dismiss in detail, providing specific reasons and legal justifications.
  5. Sign the motion with your name, the date, and your attorney’s details if applicable.

Who should use this form

This form is intended for individuals or entities identified as the defendant in a foreclosure action. If you are facing foreclosure and believe the plaintiff lacks the legal standing to pursue the foreclosure, or if there are deficiencies in the plaintiff's claims, this form allows you to formally contest the action and seek dismissal.

Key components of the form

The Motion to Dismiss Foreclosure Action includes crucial sections that must be addressed:

  • Case details: Identification of the court and parties involved, including the cause number.
  • Grounds for dismissal: Articulation of the reasons why the motion is being requested.
  • Signature line: Space for the defendant’s signature or their attorney’s signature.
  • Notice of Motion: Information about when the motion will be heard in court.

Common mistakes to avoid when using this form

Filing a Motion to Dismiss can sometimes lead to significant errors that may jeopardize your claims. Here are common mistakes to avoid:

  • Failing to provide specific grounds for dismissal, which may lead to dismissal of your motion.
  • Not filing the motion in a timely manner or missing court deadlines.
  • Omitting necessary signatures or failing to properly serve the plaintiff with the motion.
  • Neglecting to prepare for the hearing and not having supporting evidence or documentation ready.

What to expect during notarization or witnessing

When completing a Motion to Dismiss Foreclosure Action, notarization may be required, particularly if you are submitting a sworn statement. During notarization, you should:

  • Present valid identification to the notary.
  • Sign the document in the presence of the notary to ensure the legality of the signature.
  • Receive the notarized document along with the notary’s seal, confirming its authenticity.
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FAQ

A foreclosure case dismissed with prejudice can't be brought again for the same default or reasons already alleged by a lender and then dismissed by a court.Mortgage borrowers winning dismissals with prejudice of their foreclosures might eventually end up with free and clear property titles.

Reinstatement. Ask the lender to reinstate the loan. Forbearance Agreement. Ask the lender to forgive the debt. Refinance. Sell your home. Short Sale. LLoan modification. Deed in Lieu of Foreclosure. Rescission of loan.

Negotiate With Your Lender. If you are having financial difficulties, the worst thing that you can do is bury your head in the sand. Request a Forbearance. Modify Your Loan. Make a Claim. Get a Housing Counselor. Declare Bankruptcy. Use A Foreclosure Defense Strategy. Make Them Produce The Not.

Dismissal. When a judge dismisses a foreclosure case, the matter closes and the foreclosure can't proceed. Judges may dismiss foreclosure cases if the lender can't prove it owns your mortgage or if the lender didn't follow the state's foreclosure procedure correctly.

Overview. If one party to a case has filed a motion with the court, the other side can file an opposition. An opposition is a written statement explaining to the judge why the other side is not entitled to whatever he is asking for in his motion. It is your opportunity to oppose the other side's request.

Proving Wrongful Foreclosure If you wish to sue the bank for wrongful foreclosure, you must prove the following: The lender owed you, the borrower, a legal duty. The lender breached that duty. The breach of duty caused your injury or loss (damages)

You simply need to request that the court deny the defendant's motion to dismiss. For example, you could write the following: For the foregoing reasons and all the others discussed in Plaintiff's Complaint, the present Motion to Dismiss should be denied.

You can stop the foreclosure process by informing your lender that you will pay off the default amount and extra fees. Your lender would prefer to have the money much more than they would have your home, so unless there are extenuating circumstances, this should work.

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Motion to Dismiss Foreclosure Action and Notice of Motion