UNITED STATES BANKRUPTCY COURT
DISTRICT OF MARYLAND
BALTIMORE DIVISION
IN RE:
Bruce Howe Vail
Carol E. Taylor
Debtor(s).
CHAPTER 13
CASE NO.: 19-12392
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_
Wilmington Savings Fund Society, FSB,
d/b/a Christiana Trust, not individually
but as trustee for Pretium Mortgage
Acquisition Trust,
Movant,
v.
Bruce Howe Vail
Debtor(s),
Carol E. Taylor
Co-Debtor(s),
Robert S. Thomas, II
Trustee,
Respondents.
FILED PURSUANT TO 11 U.S.C
SECTIONS 362 and 1301
MOTION SEEKING RELIEF FROM STAY AND CO-DEBTOR STAY
Comes now , Wilmington Savings Fund Society, FSB, d/b/a Christiana Trust, not
individually but as trustee for Pretium Mortgage Acquisition Trust (“Movant”), by Counsel, and
moves this Honorable United States Bankruptcy Court for relief from the stay imposed by 11
U.S.C. Section 362(a) and 1301, and in support thereof, states as follows:
1. That this Motion is filed pursuant to 11 U.S.C. Section 362(d) 1301, and Rules 4001
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and 9014 of the Bankruptcy Rules, as hereinafter shall more fully appear.
2. On March 29, 2013, Bruce Howe Vail and Carol E. Taylor executed and delivered a
Promissory Note (“Note”) and Deed of Trust (“Mortgage”) securing payment of the Note
in the amount of $114,000.00 to Chase Bank, N.A. The Mortgage was recorded on May
6, 2013, in Book 15195 at Page 389 in the Public Records of Baltimore City County,
Maryland with Melinda Clayton as trustee. The loan was transferred to Movant. True and
accurate copies of documents establishing a perfected security interest and ability to
enforce the terms of the Note are attached hereto as Composite Exhibit “A.” The
documents include copies of the Note with indorsements (if any), recorded Mortgage,
Assignment(s) of Mortgage, and any other applicable documentation supporting the right
to seek the lifting of the automatic stay and to foreclose, if necessary.
3. Co-Debtor(s), Carol E. Taylor, are liable on and/or has secured the aforementioned
debt with the Co-Debtor(s)’ interest in the real property.
4. The Mortgage provides Secured Creditor a lien on the real property located in
Baltimore County, Maryland and legally described as:
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This property is located at the street address of: 2412 Everton Rd Baltimore,
Maryland 21209 (the “Property”).
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5. The terms of the aforementioned Note and Mortgage have been in default, and remain
in default, since July 1, 2019, with arrears in the amount of $3,817.62 as of September 9,
2019. A copy of the breakdown of post-petition arrears is attached hereto as Exhibit
“B”.
6. Based upon the Debtor(s)’ Chapter 13 Initial Plan (Docket No.10), the property is
treated outside the plan and Secured Creditor will receive payments directly. Secured
Creditor’s security interest in the subject property is being significantly jeopardized by
Debtor(s)’ and Co-Debtor(s)’ failure to comply with the terms of the subject loan
documents while Secured Creditor is prohibited from pursuing lawful remedies to protect
such interest. Secured Creditor has no protection against the erosion of its collateral
position and no other form of adequate protection is provided.
7. If Secured Creditor is not permitted to enforce its security interest in the collateral or
be provided with adequate protection, it will suffer irreparable injury, loss, and damage.
8. Secured Creditor respectfully requests the Court grant it relief from the Automatic
Stay in this cause pursuant to §362(d)(1) and 11 U.S.C. § 1301 of the Bankruptcy Code,
for cause, namely the lack of adequate protection to Secured Creditor for its interest in the
above stated collateral.
9. Once the stay is terminated, the Debtor will have minimal motivation to insure,
preserve, or protect the collateral; therefore, Secured Creditor requests that the Court
waive the 14-day stay period imposed by Fed.R.Bankr.P. 4001(a)(3).
10. Secured Creditor has incurred court costs and attorney’s fees in this proceeding and
will incur additional fees, costs and expenses in foreclosing the Mortgage and in
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preserving and protecting the property, all of which additional sums are secured by the
lien of the mortgage. Secured Creditor seeks an award of its reasonable attorneys’ fees
and costs, or alternatively, leave to seek recovery of its reasonable attorneys’ fees and
costs in any pending or subsequent foreclosure proceeding.
WHEREFORE, Secured Creditor, prays this Honorable Court enter an order modifying
the automatic stay under 11 U.S.C. § 362(d) and 11 U.S.C. § 1301 so that the undersigned may
proceed to enforce its security interest in the subject property by: (i) instituting or continuing
foreclosure proceedings against the subject property in state court, (ii) allowing it to take such
other actions with respect to the subject property as are set forth under applicable non-bankruptcy
law, and (iii) relieving it, its successors and/or assigns from any further filing requirements
pursuant to Fed. R. Bankr. P. 3002.1(b)-(c) if the stay is ultimately and unconditionally lifted or
terminated, (iv) allowing the successful purchaser at the foreclosure sale to obtain possession of
the subject property, (v) that the Order be binding and effective upon the Debtor despite any
conversion of this bankruptcy case to a case under any other chapter of Title 11 of the United
States Code; and (vi) the fourteen (14) day appeal period shall be waived.
NOTICE OF INTENT TO SUBMIT BUSINESS RECORDS
The Movant will submit business records as evidence at any scheduled hearing, as
allowed under Fed. R. Bankr. P. 9017 and FRE 902(11). These business records and the
Case 19-12392 Doc 48 Filed 11/21/19 Page 5 of 43
declaration of their maintenance as business records are available for inspection by the adverse
party upon demand.
Dated: November 21, 2019
/s/ Brittany M. Taylor
Brittany M. Taylor
MD Federal Bar No. 20862
RAS Crane, LLC
11900 Parklawn Drive, Suite 310
Rockville, MD 20852
Phone: (844) 442-2150, ext. 275
Fax (240) 238-3767
Email: btaylor@rascrane.com
Counsel for Movant
CERTIFICATE OF SERVICE
I HEREBY CERTIFY that on November 21, 2019, a copy of the Motion Seeking Relief
from Stay and Co-Debtor Stay has been served upon the following necessary parties in
interest, via first class mail postage prepaid to:
Bruce Howe Vail
2412 Everton Road
Baltimore, MD 21209
Carol E. Taylor
2412 Everton Road
Baltimore, MD 21209
And via electronic mail to:
Case 19-12392 Doc 48 Filed 11/21/19 Page 6 of 43
Robert S. Thomas, II
300 E Joppa Road, Suite 409
Towson, MD 21286
Kim D. Parker
Law Offices of Kim Parker, P.A.
2123 Maryland Avenue
Baltimore, MD 21218
DATE: November 21, 2019
By: /s/ Brittany M. Taylor
Brittany M. Taylor
Email: btaylor@rascrane.com
Case 19-12392 Doc 48 Filed 11/21/19 Page 7 of 43
EXHIBIT “A”
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EXHIBIT “B”
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EXHIBIT “C”
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UNITED STATES BANKRUPTCY COURT
DISTRICT OF MARYLAND
IN RE:
Bruce Howe Vail
Carol E. Taylor
Debtor(s).
CHAPTER 13
CASE NO.: 19-12392
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
_
Wilmington Savings Fund Society, FSB,
d/b/a Christiana Trust, not individually
but as trustee for Pretium Mortgage
Acquisition Trust,
Movant,
v.
Bruce Howe Vail
Debtor(s),
Carol E. Taylor
Co-Debtor(s),
Robert S. Thomas, II
Trustee,
Respondents.
Case 19-12392 Doc 48 Filed 11/21/19 Page 40 of 43
NOTICE OF MOTION SEEKING RELIEF FROM STAYAND CO-DEBTOR STAY
DECEMBER 13, 2019 AT 9:15 A.M. HEARING THEREON
Wilmington Savings Fund Society, FSB, d/b/a Christiana Trust, not individually but as
trustee for Pretium Mortgage Acquisition Trust has filed papers with the court seeking relief
from the automatic stay of 11 U.S.C. § 362(a) and 1301 to enable it to proceed to enforce its
available legal and equitable remedies with regard to the real property located at Your rights may
be affected. You should read these papers carefully and discuss them with your lawyer if you
have one on this case. (If you do not have a lawyer, you may wish to consult one.)
If you do not want the court to grant the motion for relief from stay, or if you want the
court to consider your views on the motion, then by December 5, 2019 you or your lawyer must
file a written response with the Clerk of the Bankruptcy Court explaining your position and mail
a copy to:
Brittany M. Taylor
RAS Crane, LLC
11900ParklawnDrive,Suite310
Rockville,MD20852
And to:
Robert S. Thomas, II
300 E Joppa Road, Suite 409
Towson, MD 21286
You will have three (3) additional days to respond if you received the motion via
first-class mail.
If you mail rather than deliver, your response to the Clerk of the Bankruptcy Court for
filing, you must mail it early enough so that the court will receive it by the date stated above.
The hearing is scheduled for December 13, 2019, at 9:15 AM in Courtroom 1-B, United
States Bankruptcy Court, 101 West Lombard Street, Suite 8530, Baltimore MD 21201.
IF YOU OR YOUR LAWYER DO NOT TAKE THESE STEPS BY THE DEADLINE,
THE COURT MAY DECIDE THAT YOU DO NOT OPPOSE THE RELIEF SOUGHT IN
THE MOTION AND MAY GRANT OR OTHERWISE DISPOSE OF THE MOTION
BEFORE THE SCHEDULED HEARING DATE.
DATE: November 21, 2019
By: /s/ Brittany M. Taylor
Case 19-12392 Doc 48 Filed 11/21/19 Page 41 of 43
Brittany M. Taylor
MD Federal Bar No. 20862
RAS Crane, LLC
11900 Parklawn Drive, Suite 310
Rockville, MD 20852
Phone: (844) 442-2150, ext. 275
Fax (240) 238-3767
Email: btaylor@rascrane.com
Counsel for Movant
Case 19-12392 Doc 48 Filed 11/21/19 Page 42 of 43
CERTIFICATE OF SERVICE
I HEREBY CERTIFY that on November 21, 2019, a copy of the Notice of Motion for
Relief from Stay and Hearing Thereon has been served upon the following necessary parties in
interest, via first class mail postage prepaid to:
Bruce Howe Vail
2412 Everton Road
Baltimore, MD 21209
Carol E. Taylor
2412 Everton Road
Baltimore, MD 21209
Kim D. Parker
Law Offices of Kim Parker, P.A.
2123 Maryland Avenue
Baltimore, MD 21218
Robert S. Thomas, II
300 E Joppa Road, Suite 409
Towson, MD 21286
DATE: November 21, 2019
By: /s/ Brittany M. Taylor
Brittany M. Taylor
btaylor@rascrane.com
Case 19-12392 Doc 48 Filed 11/21/19 Page 43 of 43
