The opinion
STATE OF MAINE SUPERIOR COURT
LINCOLN, SS. CIVIL ACTION
DOCKET NO. WISSC-RE-13-43
JPMORGAN CHASE BANK, NATIONAL )
ASSOCIATION )
)
JUDGMENT OF FORECLOSURE
PLAINTIFF )
AND SALE; TITLE OF REAL
)
ESTATE IS INVOLVED
v. )
)
ANGELA PLUNK )
)
~ ~ -D
~ EF_E_ND
~ A_N_T~~ ~ ~ ~~ ~ ~ )
20 Fort Hill Street, Wiscasset, Maine
Lincoln C ounty Registry of Deeds in Book 4196, Page 92
After trial, the Court finds as follows:
1. That the parties have received notice of the proceedings in this action, and that the
notice was given in accordance with the applicable provisions of the Maine Rules of Civil
Procedure.
2. That venue is properly laid in this Court.
3. That the Plaintiff is entitled to judgment as a matter oflaw.
4. That Defendant is in breach of the tenns of a certain promissory note held by the
Plaintiff dated August 28, 2009, (the "Note"), with such breach constituting a default by the
Defendant, and upon such default, proper notice of default was sent to the Defendant.
5. That the default of the Note caused a breach of the Mortgage.
6. That Plaintiff is the mortgagee of record of a mortgage on real estate located at 20
Fort Hill Street, Wiscasset, Lincoln County, State of Maine to secure the Note, which mortgage
is recorded in the Lincoln County Registry of Deeds in Book 4196, Page 92 ("Mortgage"); the
legal description of which mortgaged property contained in the Mortgage ("Property") is
incorporated herein by reference and attached hereto as Exhibit A.
7. That as of April 5, 2016, the following amounts are owed to Plaintiff under the
terms of the Note and Mortgage:
a. Principal Balance $125,042.74
b. Accrued Interest $20,153.06
(plus interest at a per diem of $18.84)
c. Property Inspections/Preservation $2,256.40
d. Escrow Advances $10,433.69
Sub Total: $157,885.89
Pursuant to 14 M .R.S.A. § 1602-C, the interest after judgment accrues at a rate of 6.65%
per annum because the Note rate is less than 6.65%, the weekly average one-year United States
Treasury bill rate as published by the Board of Governors of the Federal Reserve System for the
last full week of 2015 plus 6%. Plaintiff is awarded Attorney's Fees in the amount of $5,375.00
and Attorney's Disbursements in the amount of $2,491 .92. Plaintiff is entitled to add any post
judgment attorney's fees and disbursements in connection with the foreclosure.
Plaintiff is entitled to add any additional amounts advanced by Plaintiff regarding its
mortgage security.
8. That the order of priorities and amount of the claims of the parties who have
appeared in this action for distribution from the proceeds of sale, after payment of expenses of
sale, in this case are as follows:
a. Plaintiff in the amount of$157,885.89, plus accrued interest from and
including April 6, 2016 at the rate of 5.5% interest per annum $18.84 per day
to the date ofjudgment plus interest after judgment at a rate of 6.65% interest
plus further legal fees and expenses incurred by Plaintiff as described in
Paragraph 7 above, plus any amounts advanced by Plaintiff related to its
mortgage security, including but not limited to insurance premiums and real
estate taxes;
b. Defendant: Angela Plunk any further surplus proceeds from sale.
9. That the names and addresses (if known) of all parties to this action and their
counsel of record are identified as follows:
JPMorgan Chase Bank, National Association
c/o Bendett & McHugh, P.C.
Paul D. Weinstein, Esq.
30 Danforth Street, Suite 104
Portland, ME 04101
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Angela Plunk
1500 NE 25th Ct
Pompano Beach, FL 33064-6957
10. That the Plaintiffs claim for attorney fees is not integral to the relief sought,
within the meaning of M.R.Civ.P. 54(b)(2); and
11. That Mediation has been completed as evidenced by the Final Mediator's Report
dated May 12, 2015.
12. That there is no just reason for delay in the entry of final judgment for Plaintiff on
all claims, except for the claim for Attorney's fees and disbursements and additional amounts
advanced by Plaintiff related to its mortgage security incurred by Plaintiff after the date of
Plaintiffs Affidavit, for the following reasons:
a. If judgment is granted but not entered as final, the time periods set forth in 14
M.R.S.A §§ 6322 and 6323 will commence even though the judgment is
subject to later revision;
b. The Plaintiff and any bidders at the foreclosure sale would be exposed to
some risk in proceeding to a sale if judgment is not final and remains subject
to revision; and
c. Any dispute regarding post-judgment Attorney's fees and disbursements or
additional amounts advanced by Plaintiff related to its mortgage security
may be resolved by the Defendant filing a motion contesting Plaintiffs
Report of Public Sale as provided in 14 M.R.S.A. § 6324.
WHEREFORE, it is hereby Ordered and Decreed:
A. That if Defendant, her heirs and assigns, do not pay the Plaintiff the amounts adjudged to
be due to Plaintiff as set forth in Paragraph 7 above within ninety (90) days from the date
of entry of this Order, Plaintiff (through its agents or attorneys) shall proceed with a sale
of the Property described in the Mortgage, pursuant to 14 M.R.S.A. §§ 6321 -6324, free
and clear of all liens, except liens senior to Plaintiffs Mortgage, and shall pay the
proceeds of sale, after satisfying expenses of sale, in the amounts, manner, and priority
set forth in Paragraph 8 above;
B. That the Clerk is hereby directed to enter this Order and Judgment of Foreclosure and
Sale as a final judgment pursuant to Rule 54(b)(l), except as to any additional post
judgment Attorney's fees and disbursements or additional amounts advanced by Plaintiff
related to its mo11gage security;
C. That if Defendant fail to redeem by paying the above amounts adjudged to be due on or
before ninety (90) days from the date of entry of this Order, or within such additional
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time as Plaintiff may in its sole discretion allow, or if Defendant abandon the Property,
Plaintiff shall then be entitled, at its option, to take exclusive possession of the Property
described in Plaintiffs Mortgage, and Clerk shall issue a Writ of Possession at the
request of Plaintiff;
D. That Plaintiff is entitled, at its option, to have a receiver appointed to collect the rents of
the Property pursuant to the Mortgage;
E. That an execution shall issue against Defendant for any deficiency, provided the
requirements are met, but that no deficiency shall issue against any Defendant who has
received a discharge in bankruptcy for this debt , nor shall a deficiency issue against
anyone who did not actually execute a promissory note or other document creating an
obligation to pay;
F. That Plaintiff shall specify Attorney's fees and disbursements incurred after the date of
Attorney's Fees and Disbursements Affidavit in its Report of Public Sale, which shall
then constitute a timely application for an award of additional attorneys' disbursements,
notwithstanding the requirements of M.R.Civ.P. 54(b)(3) to file such application within
sixty (60) days after judgment; Defendant may contest the Report and application for
additional Attorney's fees and disbursements by filing a motion pursuant to 14 M.R.S.A.
§6324;
G. That once the applicable appeal period has expired, Plaintiff shall prepare and the Clerk
shall execute an appropriate certification either that no action was taken or that an appeal
was filed, and Plaintiff shall then record the said certification and a copy of this Judgment
in the Lincoln County Registry of Deeds and pay the recording fees therefore, in
compliance with 14 M.R.S.A. § 2401(3), such fees and costs so incurred by Plaintiff to be
added to and become part of the mortgage indebtedness secured by the Mortgage; and
H. That the Clerk shall enter the following in the docket:
"Order and Judgment of Foreclosure and Sale dated Ap< i \ '.'.L:1.. , 20k_
for the Plaintiff as a final judgment except for additional Attorney's fees and disbursements and
any additional amounts advanced by Plaintiff related to its mortgage security, and said Order is
incorporated in the docket by reference. This entry is made in accordance with M.R.Civ.P. 79( a)
at the specific direction of the Court." ! :::> ~ ~
Dated: I\PR 1 1 2016 ~ _...--- ----c_
Justice, Lincoln County Superior Co
b ~ ·E,il\tt'\.Crj"
Date entered in the docket: 4 (1 I I(\o
~~~~~~~~~
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CERTIFICATION OF CLERK PURSUANT TO 14 M.R.S.A. § 2401(3)(F)
Pursuant to 14 M .R.S.A. § 2401 (3)(F), it is hereby certified that no notice of appeal of the
Judgment of Foreclosure and Sale in this matter was filed with the Clerk of Court in this action
within the appeal period following the entry of judgment.
Clerk of Court
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EmIBIT'A TO MORTGAGE
A certain lot or parcel ofL~nd with the pui!dfug theWJ·l \ situated in the Town of
Wisc~set. County of Lin.com a.Pd Stat~ ofbiiaine, botmd.ed and descdbed as follows, to
wit:
BEGINNING at.Forth Elli S~t s·t ~ £Qmledy o ~or·occupied by Jon.Nute;
THENCE by Stlifd.Nute's land elght(S)"l'Ods to land formerly ofBeJijaicin F. Bailey,
deceMed;
THENCB mutbmy by aaid land.ibmtetly of sa.id Baileyand land formetly of Lodng
Dow five(S) rods to a stake;
THENCE eamdy eight (8) rods to F<trl Hill S~t:parallel wlth the first line;
THENCE by .said atreet no.rthwes:tedy to point fi~t ~tioned.
Being the same premises conveyed to Angela P.hmk ofeven or recent date to be ttcorded
in the Lincoln~ of D~.
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