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SACCAMENO v. U.S. BANK NAT. ASSOCIATION

No. 19-1569.

943 F.3d 1071 (2019)

Monette E. SACCAMENO, Plaintiff-Appellee, v. U.S. BANK NATIONAL ASSOCIATION, as trustee for C-BASS Mortgage Loan Asset-backed Certificates, Series 2007 RP1, and Ocwen Loan Servicing, LLC, Defendants-Appellants.

United States Court of Appeals, Seventh Circuit.

Decided November 27, 2019.

Attorney(s) appearing for the Case

Nick Wooten , Attorney, NICK WOOTEN, LLC, Conway, AR, Mohammed O. Badwan , Attorney, SULAIMAN LAW GROUP, LTD., Lombard, IL, for Plaintiff-Appellee.

Anton Metlitsky , Attorney, O'MELVENY & MYERS LLP, New York, NY, Ephraim A. McDowell , Attorney, O'MELVENY & MYERS LLP, Washington, DC, for Defendants-Appellants U.S. BANK NATIONAL ASSOCIATION, as trustee for C-BASS MORTGAGE LOAN ASSETBACKED CERTIFICATES, Series 2007 RP1, OCWEN LOAN SERVICING, LLC.

Evan M. Tager , Attorney, MAYER BROWN LLP, Washington, DC, for Amicus Curiae CHAMBER OF COMMERCE OF THE UNITED STATES OF AMERICA.

Jeffrey R. White , Attorney, AMERICAN ASSOCIATION FOR JUSTICE, for Amicus Curiae AMERICAN ASSOCIATION FOR JUSTICE.

Before Bauer, Brennan, and St. Eve, Circuit Judges.

Chapter 13 bankruptcy is a promise to a debtor: if you comply with the bankruptcy plan, then you can get a fresh start. That promise went unfulfilled for Monette Saccameno. She had done everything that was required of her: she cured the delinquencies in her mortgage and made 42 monthly mortgage payments under the court's...

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