Residential Capital, LLC

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UNITED STATES BANKRUPTCY COURT
SOUTHERN DISTRICT OF NEW YORK
In re:
RESIDENTIAL CAPITAL, LLC, et al.
Debtors.
NOT FOR PUBLICATION
Case No. 12-12020 (MG)
Jointly Administered
MEMORANDUM OPINION AND ORDER SUSTAINING DEBTORS’ OBJECTIONS
TO PROOFS OF CLAIM AND AMENDED PROOFS OF CLAIM FILED BY
CERTAIN PLAINTIFFS IN CALIFORNIA LITIGATION
Before the Court are two claims objections filed by the Debtors in these chapter 11 cases:
(1) the Debtors’ Objection to Proofs of Claim filed by Certain Plaintiffs in California Litigation
(the “First Objection,” ECF Doc. # 4200), and (2) the Debtors’ Objection to Amended Proofs of
Claim Filed by Certain Plaintiffs in California Litigation (the “Second Objection,” ECF Doc.
# 6130, and together with the First Objection, the “Objections”). The Second Objection is
supported by the Declaration of Deanna Horst (the “Horst Decl.,” ECF Doc. # 6130-4). Through
the Objections, the Debtors seek to disallow and expunge the proofs of claim listed on “Schedule
A” to this Memorandum Opinion and Order (the “California Litigation Claims”), filed by sixty-
one individuals (the “California Litigation Claimants”), on the grounds that the California
Litigation Claims either fail to state a claim against the Debtors or were filed as improper post
bar date amendments.
BACKGROUND
On May 14, 2012 (the “Petition Date”), each of the Debtors filed a voluntary petition for
relief under chapter 11 of the Bankruptcy Code. These chapter 11 cases are being jointly
administered pursuant to Bankruptcy Rule 1015(b). On August 29, 2012, the Court entered an
Order (the “Bar Date Order,” ECF Doc. # 1309) establishing November 9, 2012 at 5:00 p.m.
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(Prevailing Eastern Time) as the deadline for filing proofs of claim by virtually all creditors
against the Debtors (the “General Bar Date”), and prescribing the form and manner for filing
proofs of claim. On November 7, 2012, the Court entered an Order extending the General Bar
Date to November 16, 2012 at 5:00 p.m. (Prevailing Eastern Time). (ECF Doc. # 2093.)
On November 9, 2012, the California Litigation Claimants filed claims (the “Original
Claims”) against a number of Debtor entities. Each of the Original Claims asserted an unsecured
claim in the amount of $1,300,000 for “Contingent Fraud Claim in litigation,” referring to
ongoing litigation (the “District Court Litigation”) in the United States District Court, Central
District of California – Western Division (the District Court). The Original Claims referenced an
amended complaint (the “Amended Complaint”) filed in the District Court, which asserted
causes of action against certain Debtor and non-debtor entities. Each of the Original Claims (and
the Amended Complaint) alleged the following causes of action: (1) fraudulent concealment
pursuant to California Civil Code (“Civil Code”) sections 1572, 1709, and 1710; (2) intentional
misrepresentations pursuant to Civil Code sections 1572, 1709, and 1710; (3) negligent
misrepresentations pursuant to Civil Code sections 1572, 1709, and 1710; (4) unfair competition
pursuant to California Business and Professions Code section 17200; (5) wrongful foreclosure
pursuant to Civil Code section 2924; and (6) improper influence over appraiser pursuant to Civil
Code section 1090.5.
The Debtors filed an objection to the Original Claims on July 10, 2013, asserting that the
Original Claims failed to state a claim against any of the Debtors. (See generally First
Objection.) The Debtors argued in the First Objection that the Amended Complaint—the basis
for the Original Claims—failed to: (1) satisfy basic federal pleading standards, (2) plead a basis
for derivative liability, (3) state any fraud-based claim, and (4) sufficiently allege claims for
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wrongful foreclosure and improper influence over an appraiser. The deadline to respond to the
First Objection was August 9, 2013 (the “Response Deadline”).
None of the California Litigation Claimants filed a timely response to the First Objection,
but on August 9, 2013—the day of the Response Deadline—fifty-eight of the California
Litigation Claimants filed proofs of claim (the “Amended Claims”) solely against Residential
Capital, LLC (“ResCap”), each in the amount of $1,300,000. The stated basis for each of the
Amended Claims is “Claims, including fraud related to mortgage origination.” In support of the
Amended Claims, the California Litigation Claimants attached a 250-page Amended Complaint
in Support of Amended Proof of Claim (the “Second Amended Complaint”). The Second
Amended Complaint asserts five causes of action, divided into twenty-four “counts,” including:
(1) fraudulent concealment, (2) intentional misrepresentation, (3) negligent misrepresentation,
(4) negligence, (5) unfair, unlawful, and fraudulent business practices, (6) price fixing in
violation of the Sherman Act, (7) improper collection of debt after electing to foreclose, (8)
rescission of contract and/or restitution based on grounds of fraud and/or unconscionability, (9)
breach of contract, (10) breach of the Crier Rule under California law, (11) unfair debt collection
practices, and (12) wrongful foreclosure. Although the Second Amended Complaint appears to
raise new legal theories for recovery, the alleged facts on which these claims are based are
identical to those on which the Original Claims were based, and counsel for the California
Litigation Claimants represented to the Court that the nature of the two sets of claims are the
same. (See Hr’g Tr. Aug. 28, 2013 at 25:10–15.)
On August 20, 2013—eleven days after the Response Deadline—counsel for the
California Litigation Claimants filed the Hairston, et al. Creditors’ Opposition to Debtors’
Objection to Proofs of Claim Filed by Certain Plaintiffs in California Litigation (the
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“Response,” ECF Doc. # 4758). In the Response, the California Litigation Claimants’ counsel
asserts that the Debtors’ First Objection was rendered moot upon the filing of the Amended
Claims and the Second Amended Complaint in support.
On August 26, 2013, the Debtors sent a letter to the Court asserting that the Amended
Claims were improper post-bar date amendments and that they should therefore be disallowed
and expunged. On August 28, 2013, the Court held a hearing on the First Objection and directed
that the parties agree to a scheduling order with respect to briefing whether the Amended Claims
were proper amendments and addressing the underlying merits of the Amended Claims. On
November 27, 2013, the Court entered the Scheduling Order For Objection to California
Litigation Claims (ECF Doc. # 5965) requiring: (1) the Debtors to file any objection to the
Amended Claims on or before December 17, 2013, (2) the California Litigation Claimants to
respond on or before January 23, 2014, and (3) the Debtors to file a reply on or before February
6, 2014, with a hearing to be held on February 20, 2014.
The Debtors filed the Second Objection on December 16, 2013, arguing that (1) the
Amended Claims should be disallowed as improper post-bar date amendments to the Original
Claims, and (2) even if the Amended Claims are not expunged as untimely amendments, the
Amended Claims fail to state a basis for liability on the part of ResCap, largely for the same
reasons set forth in the First Objection, and also because ResCap neither originated nor serviced
any of the California Litigation Claimants’ loans. 	As of the date of this Order, the California
Litigation Claimants did not file a response to the Second Objection, and their time to do so has
expired.
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DISCUSSION
Section 501(a) of the Bankruptcy Code provides that “[a] creditor . . . may file a proof of
claim” to claim an interest in a debtor’s bankruptcy estate. 11 U.S.C. § 501(a). “The proof of
claim, if filed in accordance with section 501 and the pertinent Bankruptcy Rules, constitutes
prima facie evidence of the validity and amount of the claim under Federal Rule of Bankruptcy
Procedure 3001(f) and Bankruptcy Code section 502(a).” 4 C OLLIER ON B ANKRUPTCY ¶
502.02[3][f] (Alan N. Resnick & Henry J. Sommer eds., 16th ed. rev. 2013). Section 502(a)
provides that a claim or interest, properly filed, “is deemed allowed, unless a party in interest . . .
objects.” 11 U.S.C. § 502(a). If an objection refuting at least one of the claim’s essential
allegations is asserted, the claimant has the burden to demonstrate the validity of the claim. See
In re Oneida Ltd., 400 B.R. 384, 389 (Bankr. S.D.N.Y. 2009); In re Adelphia Commc’ns Corp.,
Case No. 02-41729 (REG), 2007 Bankr. LEXIS 660, at *15 (Bankr. S.D.N.Y. Feb. 20, 2007); In
re Rockefeller Ctr. Props., 272 B.R. 524, 539 (Bankr. S.D.N.Y. 2000). Bankruptcy Code section
502(b)(1) provides that a claim may not be allowed to the extent that “such a claim is
unenforceable against the debtor and property of the debtor, under any agreement or applicable
law.” 11 U.S.C. § 502(b)(1).
Claims objections have a shifting burden of proof. Correctly filed proofs of claim
“constitute prima facie evidence of the validity and amount of the claim . . . . To overcome this
prima facie evidence, an objecting party must come forth with evidence which, if believed,
would refute at least one of the allegations essential to the claim.” In re Reilly, 245 B.R. 768,
773 (2d Cir. B.A.P. 2000). The objecting party is required to produce evidence equal in force to
that provided by the claimant to rebut the presumption of the claimant’s prima facie case. In re
Allegheny Intern., Inc., 954 F.2d 167, 173–74 (3d Cir. 1992) (“In practice, the objector must
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produce evidence which, if believed, would refute at least one of the allegations that is essential
to the claim’s legal sufficiency.”). Once this is done, the burden then shifts back to the claimant
to produce additional evidence to prove the validity of the claim by a preponderance of the
evidence. Id. at 174.
The Original Claims, when filed, were entitled to prima facie validity of the asserted
claims. The Debtors, through the First Objection, refuted the essential elements of each one of
the causes of action asserted in the Amended Complaint and the Original Claims. The burden
then shifted back to the California Litigation Claimants to produce additional evidence to prove
the validity of their claims by a preponderance of the evidence. Rather than properly respond to
the First Objection, however, the California Litigation Claimants filed the Amended Claims, well
after the General Bar Date had passed. In their late-filed Response, the California Litigation
Claimants asserted that the First Objection was rendered moot by the fling of the Amended
Claims.
In the Second Circuit,
amendment to a claim is freely allowed where the purpose is to cure a defect in
the claim as originally filed, to describe the claim with greater particularity, or to
plead a new theory of recovery on the facts set forth in the original claim.
However, the court must subject post bar date amendments to careful scrutiny to
assure that there was no attempt to file a new claim under the guise of
amendment.
Integrated Res., Inc. v. Ameritrust Co., N.A. (In re Integrated Res., Inc.), 157 B.R. 66, 70
(S.D.N.Y. 1993) (citations omitted).
Courts apply a two-step inquiry when considering whether to allow post bar date
amendments to proofs of claim. See Midland Cogeneration Venture Ltd. P’ship v. Enron Corp.
(In re Enron Corp.), 419 F.3d 115, 133 (2d Cir. 2005); In re Barquet Grp.Inc., 477 B.R. 454,
464 (Bankr. S.D.N.Y. 2012), aff’d, 477 B.R. 454 (S.D.N.Y. 2012). First, the court must
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determine “whether there was a timely assertion of a similar claim or demand evidencing an
intention to hold the estate liable.” Enron, 419 F.3d at 133 (quotation omitted). A claim satisfies
this first prong if it: “1) corrects a defect of form in the original claim; 2) describes the original
claim with greater particularity; or 3) pleads a new theory of recovery on the facts set forth in the
original claim.” Id. (quoting In re McLean Indus., Inc., 121 B.R. 704, 708 (Bankr. S.D.N.Y.
1990)).
If this “relation back” inquiry is satisfied, courts then examine whether it would be
equitable to allow the amendment. Id.; Integrated Res., 157 B.R. at 70. Courts consider the
following five equitable factors in determining whether to allow an amendment:
(1) undue prejudice to opposing party; (2) bad faith or dilatory behavior on the
part of the claimant; (3) whether other creditors would receive a windfall were the
amendment not allowed; (4) whether other claimants might be harmed or
prejudiced; and (5) the justification for the inability to file the amended claim at
the time the original claim was filed.
Integrated Res., 157 B.R. at 70 (citation omitted); Enron, 419 F.3d at 133. “The critical
consideration is whether the opposing party will be unduly prejudiced by the amendment.”
Integrated Res., 157 B.R. at 70 (citation omitted).
The Court need not decide, however, whether it would be proper to allow the Amended
Claims. Even if the Court were to allow the California Litigation Claimants to submit their
Amended Claims, the Court finds that the Debtors, through the Second Objection, raised
sufficient legal arguments to rebut the presumptive validity of the Amended Claims. Once again,
the burden shifted to the California Litigation Claimants to produce additional evidence to prove
the validity of their claims by a preponderance of the evidence. The California Litigation
Claimants failed to respond and therefore failed to carry this burden. For this reason, the Court
sustains the Second Objection on the grounds that the Amended Claims fail to state a basis for
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liability against the Debtors. For the avoidance of doubt, the Court also sustains the First
Objection, to the extent that the California Litigation Claimants might seek to prosecute the
Original Claims.
CONCLUSION
Therefore, for the reasons explained above, the First Objection and the Second Objection
are SUSTAINED. All of the claims listed on Schedule A, attached to this Memorandum
Opinion and Order, are hereby DISALLOWED AND EXPUNGED with prejudice.
IT IS SO ORDERED.
Dated: 	February 6, 2014
New York, New York
_____/s/Martin Glenn_______
MARTIN GLENN
United States Bankruptcy Judge
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SCHEDULE A
Claims Asserted Against Executive Trustee Services, LLC
Claim No. 	Claimant Name 	Claim No. 	Claimant Name
3432 	Alex Ibarra 	3179 	Mary Serrano
3473 	Brenda Mella 	3167 	Mesbel Mohamoud
3422 	Brian Foote 	3153 	Michael Brown
3524 	Carolyn Hairston 	3143 	Michael Man
3122 	Cecilia Chaube 	3125 	Michael Moultrie
2982 	Christina Palbicke 	3113 	Olan Ross
3416 	Christine Petersen 	3100 	Patrick Gaston
3402 	Claudinette Brown 	3092 	Phyllis McCrea
3255 	David Cruz 	3081 	Regina Faison
3062 	Deborah Albritton 	3075 	Rick Albritton
3002 	Evelyn Ross 	3061 	Rick Ewald
3015 	Florastene Holden 	3046 	Robin Gaston
2911 	Franco Soro 	3039 	Rodelina Santos
3395 	Gary Johnson 	3028 	Rosa Rodriguez
3201 	Genevie Cabang 	3007 	Salvador Barajas
3386 	Gloria Portillo 	2981 	Sarah Sebagh
3378 	Gregory Buck 	2994 	Shirley Kaplan
3369 	Gricelda Ruano 	2969 	Terrell Sullivan
3360 	Henry Completo 	2955 	Veronica Grey
3353 	Ignacio Rodriguez 	2946 	Victor Pazos
3343 	Irma Laredo 	2939 	William Mimiaga
3159 	Joellyn Johnson 	2930 	Willie Gilmore
3330 	Joselito Mella 	2922 	Yesenia Cruz
3321 	Judy Lim
3315 	Julio Del Cid
2899 	Julio Gonzalez
3304 	Jun O. Santos
3294 	Khalil Subat
3247 	Lisa Simonyi
3286 	Lois Elisa Jordan
3276 	Magdalena Avila
3269 	Manija Subat
3241 	Manuela Badilla
3223 	Marcia Willoughby
3216 	Marco Badilla
3206 	Maria Barajas
3194 	Maria Elena Del Cid
3188 	Martin Kassowitz
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Claims Asserted Against GMAC Mortgage, LLC
Claim No. 	Claimant Name 	Claim No. 	Claimant Name
3435 	Alex Ibarra 	3185 	Martin Kassowitz
3470 	Brenda Mella 	3174 	Mary Serrano
3425 	Brian Foote 	3163 	Mesbel Mohamoud
3118 	Cecilia Chaube 	3157 	Michael Brown
2991 	Christina Palbicke 	3141 	Michael Man
3413 	Christine Petersen 	3130 	Michael Moultrie
3403 	Claudinette Brown 	3116 	Olan Ross
3257 	David Cruz 	3107 	Patrick Gaston
3078 	Deborah Albritton 	3090 	Phyllis McCrea
3006 	Evelyn Ross 	3080 	Regina Faison
3020 	Florastene Holden 	3069 	Rick Albritton
2907 	Franco Soro 	3058 	Rick Ewald
3397 	Gary Johnson 	3048 	Robin Gaston
3230 	Genevie Cabang 	3037 	Rodelina Santos
3388 	Gloria Portillo 	3030 	Rosa Rodriguez
3376 	Gregory Buck 	3010 	Salvador Barajas
3371 	Gricelda Ruano 	2979 	Sarah Sebagh
3362 	Henry Completo 	3000 	Shirley Kaplan
3351 	Ignacio Rodriguez 	2968 	Terrell Sullivan
3341 	Irma Laredo 	2957 	Veronica Grey
3169 	Joellyn Johnson 	2948 	Victor Pazos
3327 	Joselito Mella 	2941 	William Mimiaga
3325 	Judy Lim 	2932 	Willie Gilmore
3313 	Julio Del Cid 	2921 	Yesenia Cruz
2901 	Julio Gonzalez
2902 	Julio Gonzalez
3302 	Jun O. Santos
3296 	Khalil Subat
3245 	Lisa Simonyi
3284 	Lois Elisa Jordan
3274 	Magdalena Avila
3267 	Manija Subat
3252 	Manuela Badilla
3225 	Marcia Willoughby
3214 	Marco Badilla
3205 	Maria Barajas
3196 	Maria Elena Del Cid
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Claims Asserted Against GMAC-RFC Holding Company, LLC
Claim No. 	Claimant Name 	Claim No. 	Claimant Name
3430 	Alex Ibarra 	3190 	Martin Kassowitz
3476 	Brenda Mella 	3181 	Mary Serrano
3420 	Brian Foote 	3170 	Mesbel Mohamoud
3533 	Carolyn Hairston 	3154 	Michael Brown
3108 	Cecilia Chaube 	3147 	Michael Man
2989 	Christina Palbicke 	3123 	Michael Moultrie
3418 	Christine Petersen 	3110 	Olan Ross
3409 	Claudinette Brown 	3097 	Patrick Gaston
3262 	David Cruz 	3094 	Phyllis McCrea
3053 	Deborah Albritton 	3085 	Regina Faison
2997 	Evelyn Ross 	3066 	Rick Albritton
3011 	Florastene Holden 	3064 	Rick Ewald
2908 	Franco Soro 	3044 	Robin Gaston
3393 	Gary Johnson 	3042 	Rodelina Santos
3234 	Genevie Cabang 	3022 	Rosa Rodriguez
3383 	Gloria Portillo 	3003 	Salvador Barajas
3381 	Gregory Buck 	2980 	Sarah Sebagh
3366 	Gricelda Ruano 	2986 	Shirley Kaplan
3357 	Henry Completo 	2965 	Terrell Sullivan
3347 	Ignacio Rodriguez 	2953 	Veronica Grey
3345 	Irma Laredo 	2952 	Victor Pazos
3135 	Joellyn Johnson 	2936 	William Mimiaga
3335 	Joselito Mella 	2928 	Willie Gilmore
3319 	Judy Lim 	2919 	Yesenia Cruz
3317 	Julio Del Cid
2897 	Julio Gonzalez
3307 	Jun O. Santos
3291 	Khalil Subat
3249 	Lisa Simonyi
3289 	Lois Elisa Jordan
3278 	Magdalena Avila
3272 	Manija Subat
3238 	Manuela Badilla
3229 	Marcia Willoughby
3219 	Marco Badilla
3204 	Maria Barajas
3198 	Maria Elena Del Cid
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Claims Asserted Against Home Connects Lending Services, LLC
Claim No. 	Claimant Name 	Claim No. 	Claimant Name
3437 	Alex Ibarra 	3184 	Martin Kassowitz
3467 	Brenda Mella 	3177 	Mary Serrano
3427 	Brian Foote 	3160 	Mesbel Mohamoud
3521 	Carolyn Hairston 	3150 	Michael Brown
3112 	Cecilia Chaube 	3139 	Michael Man
2987 	Christina Palbicke 	3131 	Michael Moultrie
3411 	Christine Petersen 	3119 	Olan Ross
3406 	Claudinette Brown 	3105 	Patrick Gaston
3263 	David Cruz 	3088 	Phyllis McCrea
3086 	Deborah Albritton 	3079 	Regina Faison
3009 	Evelyn Ross 	3071 	Rick Albritton
3023 	Florastene Holden 	3055 	Rick Ewald
2913 	Franco Soro 	3051 	Robin Gaston
3399 	Gary Johnson 	3035 	Rodelina Santos
3231 	Genevie Cabang 	3032 	Rosa Rodriguez
3390 	Gloria Portillo 	3016 	Salvador Barajas
3374 	Gregory Buck 	2977 	Sarah Sebagh
3373 	Gricelda Ruano 	2993 	Shirley Kaplan
3364 	Henry Completo 	2963 	Terrell Sullivan
3349 	Ignacio Rodriguez 	2959 	Veronica Grey
3338 	Irma Laredo 	2950 	Victor Pazos
3172 	Joellyn Johnson 	2943 	William Mimiaga
3333 	Joselito Mella 	2934 	Willie Gilmore
3324 	Judy Lim 	2915 	Yesenia Cruz
3312 	Julio Del Cid
2904 	Julio Gonzalez
3300 	Jun O. Santos
3298 	Khalil Subat
3243 	Lisa Simonyi
3282 	Lois Elisa Jordan
3280 	Magdalena Avila
3266 	Manija Subat
3261 	Manuela Badilla
3228 	Marcia Willoughby
3212 	Marco Badilla
3209 	Maria Barajas
3199 	Maria Elena Del Cid
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Claims Asserted Against Homecomings Financial, LLC
Claim No. 	Claimant Name 	Claim No. 	Claimant Name
3431 	Alex Ibarra 	3187 	Martin Kassowitz
4159 	Brenda Mella 	3180 	Mary Serrano
3421 	Brian Foote 	3168 	Mesbel Mohamoud
3517 	Carolyn Hairston 	3151 	Michael Brown
3124 	Cecilia Chaube 	3145 	Michael Man
2978 	Christina Palbicke 	3126 	Michael Moultrie
3417 	Christine Petersen 	3111 	Olan Ross
3404 	Claudinette Brown 	3098 	Patrick Gaston
3254 	David Cruz 	3093 	Phyllis McCrea
3059 	Deborah Albritton 	3083 	Regina Faison
3001 	Evelyn Ross 	3067 	Rick Albritton
3013 	Florastene Holden 	3063 	Rick Ewald
2906 	Franco Soro 	3045 	Robin Gaston
3394 	Gary Johnson 	3040 	Rodelina Santos
3236 	Genevie Cabang 	3026 	Rosa Rodriguez
3385 	Gloria Portillo 	3005 	Salvador Barajas
3379 	Gregory Buck 	2973 	Sarah Sebagh
3368 	Gricelda Ruano 	2992 	Shirley Kaplan
3359 	Henry Completo 	2967 	Terrell Sullivan
3354 	Ignacio Rodriguez 	2954 	Veronica Grey
3344 	Irma Laredo 	2945 	Victor Pazos
3161 	Joellyn Johnson 	2938 	William Mimiaga
3336 	Joselito Mella 	2929 	Willie Gilmore
3320 	Judy Lim 	2923 	Yesenia Cruz
3316 	Julio Del Cid
2898 	Julio Gonzalez
3305 	Jun O. Santos
3293 	Khalil Subat
3248 	Lisa Simonyi
3287 	Lois Elisa Jordan
3277 	Magdalena Avila
3270 	Manija Subat
3240 	Manuela Badilla
3222 	Marcia Willoughby
3217 	Marco Badilla
3207 	Maria Barajas
3193 	Maria Elena Del Cid
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Claims Asserted Against Residential Capital, LLC
Claim No. 	Claimant Name 	Claim No. 	Claimant Name
3434 	Alex Ibarra 	3152 	Michael Brown
3472 	Brenda Mella 	3142 	Michael Man
3423 	Brian Foote 	3129 	Michael Moultrie
3525 	Carolyn Hairston 	3115 	Olan Ross
3120 	Cecilia Chaube 	3101 	Patrick Gaston
2984 	Christina Palbicke 	3091 	Phyllis McCrea
3414 	Christine Petersen 	3076 	Regina Faison
3405 	Claudinette Brown 	3068 	Rick Albritton
3256 	David Cruz 	3060 	Rick Ewald
3073 	Deborah Albritton 	3047 	Robin Gaston
3004 	Evelyn Ross 	3038 	Rodelina Santos
3018 	Florastene Holden 	3029 	Rosa Rodriguez
2910 	Franco Soro 	3019 	Salvador Barajas
3396 	Gary Johnson 	2975 	Sarah Sebagh
3202 	Genevie Cabang 	2996 	Shirley Kaplan
3387 	Gloria Portillo 	2970 	Terrell Sullivan
3377 	Gregory Buck 	2956 	Veronica Grey
3370 	Gricelda Ruano 	2947 	Victor Pazos
3361 	Henry Completo 	2940 	William Mimiaga
3352 	Ignacio Rodriguez 	2931 	Willie Gilmore
3342 	Irma Laredo 	2924 	Yesenia Cruz
3166 	Joellyn Johnson 	6893 	Deborah Albritton
3328 	Joselito Mella 	6894 	Christine Petersen
3326 	Judy Lim 	6895 	Gloria Portillo
3314 	Julio Del Cid 	6896 	Brenda Mella
2900 	Julio Gonzalez 	6897 	Ignacio Rodriguez
3303 	Jun O. Santos 	6898 	Rosa Rodriguez
3295 	Khalil Subat 	6899 	Khalil Subat
3246 	Lisa Simonyi 	6900 	Manija Subat
3285 	Lois Elisa Jordan 	6901 	Maria Barajas
3275 	Magdalena Avila 	6902 	Brian Foote
3268 	Manija Subat 	6903 	Salvador Barajas
3251 	Manuela Badilla 	6904 	Julio Gonzalez
3224 	Marcia Willoughby 	6905 	Michael Man
3215 	Marco Badilla 	6906 	Phyllis McCrea
3208 	Maria Barajas 	6907 	Yesenia Cruz
3195 	Maria Elena Del Cid 	6908 	Julio Del Cid
3186 	Martin Kassowitz 	6909 	Veronica Grey
3176 	Mary Serrano 	6910 	David Cruz
3164 	Mesbel Mohamoud 	6911 	Manuela Badilla
12-12020-mg Doc 6439 Filed 02/06/14 Entered 02/06/14 15:55:16 Main Document
Pg 14 of 18

Claim No. 	Claimant Name 	Claim No. 	Claimant Name
6912 	Rick Albritton 	6938 	Carolyn Hairston
6913 	Marco Badilla 	6939 	Robin Gaston
6914 	Victor Pazos 	6940 	Claudinette Brown
6915 	Alex Ibarra 	6941 	Regina Faison
6916 	Christina Palbicke 	6942 	Rick Ewald
6917 	Martin Kassowitz 	6943 	Florastene Holden
6918 	Michael Moultrie 	6944 	Losi Elisa Jordan
6919 	Joselito Mella 	6945 	Jun O. Santos
6920 	Mesbel Mohamoud 	6946 	Rodelina Santos
6921 	Cecilia Chaube 	6947 	Sarah Sebagh
6922 	Irma Laredo 	6948 	Evelyn Ross
6923 	Joellyn Johnson 	6949 	Olan Ross
6924 	Shirley Kaplan 	6950 	Gricelda Ruano
6925 	Magdalena Avila
6926 	Michael Brown
6927 	Gary Johnson
6928 	Gregory Buck
6929 	Marcia Willoughby
6930 	Henry Completo
6931 	Judy Lim
6932 	Terrell Sullivan
6933 	Genevie Cabang
6934 	Maria Elena Del Cid
6935 	Mary Serrano
6936 	Willie Gilmore
6937 	Lisa Simonyi
12-12020-mg Doc 6439 Filed 02/06/14 Entered 02/06/14 15:55:16 Main Document
Pg 15 of 18

Claims Asserted Against Residential Funding Company, LLC
Claim No. 	Claimant Name 	Claim No. 	Claimant Name
3429 	Alex Ibarra 	3189 	Martin Kassowitz
3478 	Brenda Mella 	3182 	Mary Serrano
3424 	Brian Foote 	3171 	Mesbel Mohamoud
3523 	Carolyn Hairston 	3155 	Michael Brown
3128 	Cecilia Chaube 	3146 	Michael Man
2976 	Christina Palbicke 	3136 	Michael Moultrie
3419 	Christine Petersen 	3109 	Olan Ross
3401 	Claudinette Brown 	3102 	Patrick Gaston
3260 	David Cruz 	3096 	Phyllis McCrea
3056 	Deborah Albritton 	3084 	Regina Faison
2999 	Evelyn Ross 	3074 	Rick Albritton
3027 	Florastene Holden 	3065 	Rick Ewald
2909 	Franco Soro 	3043 	Robin Gaston
3392 	Gary Johnson 	3041 	Rodelina Santos
3233 	Genevie Cabang 	3024 	Rosa Rodriguez
3384 	Gloria Portillo 	3012 	Salvador Barajas
3380 	Gregory Buck 	2972 	Sarah Sebagh
3367 	Gricelda Ruano 	2990 	Shirley Kaplan
3358 	Henry Completo 	2966 	Terrell Sullivan
3355 	Ignacio Rodriguez 	2961 	Veronica Grey
3346 	Irma Laredo 	2944 	Victor Pazos
3137 	Joellyn Johnson 	2937 	William Mimiaga
3332 	Joselito Mella 	2925 	Willie Gilmore
3318 	Judy Lim 	2918 	Yesenia Cruz
3309 	Julio Del Cid
2896 	Julio Gonzalez
3306 	Jun O. Santos
3292 	Khalil Subat
3250 	Lisa Simonyi
3288 	Lois Elisa Jordan
3273 	Magdalena Avila
3271 	Manija Subat
3239 	Manuela Badilla
3221 	Marcia Willoughby
3218 	Marco Badilla
3203 	Maria Barajas
3192 	Maria Elena Del Cid
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Pg 16 of 18

Claims Asserted Against Residential Funding Real Estate Holdings, LLC
Claim No. 	Claimant Name 	Claim No. 	Claimant Name
3438 	Alex Ibarra 	3191 	Martin Kassowitz
3477 	Brenda Mella 	3173 	Mary Serrano
3428 	Brian Foote 	3158 	Mesbel Mohamoud
3520 	Carolyn Hairston 	3148 	Michael Brown
3104 	Cecilia Chaube 	3138 	Michael Man
2974 	Christina Palbicke 	3134 	Michael Moultrie
3410 	Christine Petersen 	3121 	Olan Ross
3408 	Claudinette Brown 	3103 	Patrick Gaston
3253 	David Cruz 	3095 	Phyllis McCrea
3050 	Deborah Albritton 	3087 	Regina Faison
2995 	Evelyn Ross 	3072 	Rick Albritton
3025 	Florastene Holden 	3054 	Rick Ewald
2905 	Franco Soro 	3052 	Robin Gaston
3400 	Gary Johnson 	3034 	Rodelina Santos
3235 	Genevie Cabang 	3033 	Rosa Rodriguez
3391 	Gloria Portillo 	3014 	Salvador Barajas
3382 	Gregory Buck 	2971 	Sarah Sebagh
3365 	Gricelda Ruano 	2988 	Shirley Kaplan
3356 	Henry Completo 	2962 	Terrell Sullivan
3348 	Ignacio Rodriguez 	2960 	Veronica Grey
3337 	Irma Laredo 	2951 	Victor Pazos
3132 	Joellyn Johnson 	2935 	William Mimiaga
3331 	Joselito Mella 	2926 	Willie Gilmore
3322 	Judy Lim 	2916 	Yesenia Cruz
3311 	Julio Del Cid
2895 	Julio Gonzalez
3308 	Jun O. Santos
3299 	Khalil Subat
3242 	Lisa Simonyi
3290 	Lois Elisa Jordan
3279 	Magdalena Avila
3264 	Manija Subat
3237 	Manuela Badilla
3226 	Marcia Willoughby
3220 	Marco Badilla
3211 	Maria Barajas
3200 	Maria Elena Del Cid
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Pg 17 of 18

Claims Asserted Against Residential Mortgage Real Estate Holdings, LLC
Claim No. 	Claimant Name 	Claim No. 	Claimant Name
3436 	Alex Ibarra 	3149 	Michael Brown
3469 	Brenda Mella 	3140 	Michael Man
3426 	Brian Foote 	3133 	Michael Moultrie
3529 	Carolyn Hairston 	3117 	Olan Ross
3114 	Cecilia Chaube 	3106 	Patrick Gaston
2985 	Christina Palbicke 	3089 	Phyllis McCrea
3412 	Christine Petersen 	3077 	Regina Faison
3407 	Claudinette Brown 	3070 	Rick Albritton
3258 	David Cruz 	3057 	Rick Ewald
3082 	Deborah Albritton 	3049 	Robin Gaston
3008 	Evelyn Ross 	3036 	Rodelina Santos
3021 	Florastene Holden 	3031 	Rosa Rodriguez
2912 	Franco Soro 	3017 	Salvador Barajas
3398 	Gary Johnson 	2983 	Sarah Sebagh
3232 	Genevie Cabang 	2998 	Shirley Kaplan
3389 	Gloria Portillo 	2964 	Terrell Sullivan
3375 	Gregory Buck 	2958 	Veronica Grey
3372 	Gricelda Ruano 	2949 	Victor Pazos
3363 	Henry Completo 	2942 	William Mimiaga
3350 	Ignacio Rodriguez 	2933 	Willie Gilmore
3339 	Irma Laredo 	2920 	Yesenia Cruz
3175 	Joellyn Johnson
3334 	Joselito Mella
3323 	Judy Lim
3310 	Julio Del Cid
2903 	Julio Gonzalez
3301 	Jun O. Santos
3297 	Khalil Subat
3244 	Lisa Simonyi
3283 	Lois Elisa Jordan
3281 	Magdalena Avila
3265 	Manija Subat
3259 	Manuela Badilla
3227 	Marcia Willoughby
3213 	Marco Badilla
3210 	Maria Barajas
3197 	Maria Elena Del Cid
3183 	Martin Kassowitz
3178 	Mary Serrano
3162 	Mesbel Mohamoud
12-12020-mg Doc 6439 Filed 02/06/14 Entered 02/06/14 15:55:16 Main Document
Pg 18 of 18