Massachusetts Appeal Brief Timeline

Summary

Creating a detailed timeline for an appeal brief in Massachusetts is crucial. Key events include property purchases, financial advisor involvement, and significant legal actions. Highlight legal violations such as predatory lending, usury, and lack of required disclosures under various laws like the Dodd-Frank Act, TILA, and RESPA. Emphasize personal and financial impacts, and ensure all events are in chronological order for clarity.

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- *: Merritt and Cronan purchased Merritt’s childhood home at * Oak Street, Norton, MA, with owner financing from Merritt’s father. - *: Ralph Grieco began serving as Merritt and Cronan’s personal and business accountant, managing Classic Display, Inc. and Cronan Realty, LLC. - *: Merritt and Cronan custom-built a colonial home on almost * acres at * Brayton Woods Drive, Rehoboth, MA. - *: - Divorce finalized; Cronan quitclaimed the Rehoboth and Norton properties to Merritt individually. - The Judgment of Divorce Nisi under M.G.L. Ch. *, Sec. 1A required Cronan to pay the Rehoboth mortgage and child support for four years. - Merritt signed a document, advised by financial advisor Ralph Grieco, making her responsible for mortgage payments instead of the new partnership under the pretense of an emergency foreclosure threat.

Your timeline is looking well-detailed. Here are a few items to consider including for clarity and completeness:
- July *: Grieco, Tiernan, and Fagan induced Cronan to take two hard money loans to pay off the Rehoboth property bank debt.
- *: Superior Court case filed in Rhode Island against Grieco and Tiernan for breach of partnership and unjust enrichment.
- *: Federal case filed for illegal foreclosure, usury, consumer protection violations, and breach of contract against Mr. Tiernan. Ongoing Massachusetts Superior Court case for accounting malpractice and predatory lending against Mr. Grieco.
Do you need any specific legal information about the appeal process itself?

- July *: Grieco, Tiernan, and Fagan induced Cronan to take twohard money loans from Tiernan and Fagan to pay off the bank debt on the Rehoboth property. - Grieco and Tiernan told Cronan during these meetings to focus on partnership business and led Merritt to believe she need not worry about losing their family home or making payments on the loans. - *: Superior Court case filed in Rhode Island against Grieco and Tiernan for breach of partnership and unjust enrichment. - *: Federal case filed for illegal foreclosure, usury under Massachusetts Chapter * Section *, consumer protection violations under Massachusetts 93A, and breach of contract against Mr. Tiernan. Additionally, there is an ongoing Superior Court case in Massachusetts involving accounting malpractice and predatory lending practices against Mr. Grieco. -

It sounds like you've been through a lot. Here are some important points for your appeal brief in Massachusetts:
- Ensure you clearly outline the timeline of events.
- Highlight key legal violations: usury, consumer protection violations, breach of contract, accounting malpractice, and predatory lending.
- Emphasize how these actions have personally impacted you.
Do you need any help understanding the appeal process or any specific legal terms?

-Key Points: - Grieco did not disclose or review any accounting documents with Merritt before advising her to subordinate her loan, emphasizing it was in her best interest. - Merritt was not involved in meetings discussing significant financial decisions and was misled into signing documents under duress. - Grieco's self-dealing and conflict of interest created significant financial harm and misrepresentation. - Grieco recommended and brokered two predatory and hard money loans from Tiernan and Fagan to pay off-

It seems like you have a strong case based on the details you've provided. For your appeal, make sure to:
- Clearly outline the timeline of events.
- Highlight key legal violations: usury, consumer protection violations, breach of contract, accounting malpractice, and predatory lending.
- Emphasize the personal and financial impact on you.
Is there a specific part of the appeal process you need more information about?

Here is my introduction . If I have this is this enough or do I still need the time line? In *, Ralph Grieco, our financial advisor and CPA since *, assured me of his support during my divorce, promising to handle the property division. However, his actions, along with those of his brother-in-law Mr. Fagan and colleague Mr. Tiernan, led to them acquiring titles to our family businesses, a high-end commercial building, my primary residence at * Brayton Woods, Rehoboth, MA, and my childhood home at * Oak Street, Norton, MA, totaling over $* million in value. .

Your introduction is strong, but you should include the timeline to provide context and detail essential events. The timeline helps illustrate the sequence of actions and legal violations, which is crucial for your appeal brief. Do you need any tips on structuring the timeline for clarity?

Currently, I am the plaintiff in a federal case for illegal foreclosure, usury under Massachusetts Chapter * Section *, consumer protection violations under Massachusetts 93A, and breach of contract against Mr. Tiernan. Additionally, there is an ongoing Superior Court case in Massachusetts involving accounting malpractice and predatory lending practices against Mr. Grieco. Furthermore, there is an ongoing court case in Rhode Island against Mr. Grieco and Mr. Tiernan for breach of partnership and unjust enrichment, among other claims

Your introduction is indeed strong, but the timeline is essential for providing a clear and detailed context for the events and legal violations. Here are some tips for structuring your timeline:
- Chronological Order: Ensure each event is in the correct order.
- Key Dates and Events: Highlight significant dates and actions.
- Legal Violations: Note specific legal violations and their impact.
Do you need any help with specific legal terms or formatting the timeline for clarity?

Ok. Can you give me what you have so far in the time Line?

Certainly! Here is the timeline you have so far:
- *: Merritt and Cronan purchased Merritt’s childhood home at * Oak Street, Norton, MA, with owner financing from Merritt’s father.
- *: Ralph Grieco began serving as Merritt and Cronan’s personal and business accountant, managing Classic Display, Inc. and Cronan Realty, LLC.
- *: Merritt and Cronan custom-built a colonial home on almost * acres at * Brayton Woods Drive, Rehoboth, MA.
- *:
- Divorce finalized; Cronan quitclaimed the Rehoboth and Norton properties to Merritt individually.
- The Judgment of Divorce Nisi under M.G.L. Ch. *, Sec. 1A required Cronan to pay the Rehoboth mortgage and child support for four years.
- Merritt signed a document, advised by financial advisor Ralph Grieco, making her responsible for mortgage payments instead of the new partnership under the pretense of an emergency foreclosure threat.
- July *: Grieco, Tiernan, and Fagan induced Cronan to take two hard money loans fromTiernan and Fagan to pay off the bank debt on the Rehoboth property. Grieco and Tiernan told Cronan during these meetings to focus on partnership business and led Merritt to believe she need not worry about losing their family home or making payments on the loans.
- *: Superior Court case filed in Rhode Island against Grieco and Tiernan for breach of partnership and unjust enrichment.
- *:
- Federal case filed for illegal foreclosure, usury under Massachusetts Chapter * Section *, consumer protection violations under Massachusetts 93A, and breach of contract against Mr. Tiernan.
- Ongoing Superior Court case in Massachusetts involving accounting malpractice and predatory lending practices against Mr. Grieco.
Would you need any tips on structuring this timeline for clarity or additional details on any specific event?

Now i am going to give you more details abouit the loan. Ok?

Sure, please provide the additional details about the loan.

Do you want me to provide you with what laws the termso of the note violated?

Yes, please provide the details about the terms of the note and the specific laws you believe were violated. This information will help in understanding the issue better and provide more accurate guidance.

*. On September *, *, Cronan and Merritt were coereced in to signing two purported promissory notes to two self-directed IRA’s of which Tiernan and Richard J. Fagan (“Fagan”) are each the sole holder and beneficiary, in exchange for two mortgage loans, for $*,* total ($*,* and $*,*, respectively), with a face at *% annual interest. Merritt and Cronan were victims of title fraud, mortgae fraud, embezzlement and violations in the Dodd Frank Act, Truth and Lending Laws , RESPA *. The promissory notes at issue provide that they were “entered into and made pursuant to the laws of the Commonwealth of Massachusetts and shall in all respects be governed, construed, applied and enforced in accordance with the laws of said Commonwealth of Massachusetts.”

It looks like you have a strong case with multiple legal violations. Here are some specific points regarding the violated laws:
- Dodd-Frank Act: Prohibits predatory lending practices and protects consumers from financial abuses.
- Truth in Lending Act (TILA): Requires clear disclosure of loan terms and protects against unfair credit practices.
- Real Estate Settlement Procedures Act (RESPA): Ensures transparency in the real estate transaction process and prohibits kickbacks.
Would you like more details on any of these laws or assistance in structuring your appeal brief?

*. The loans constitute “high cost home mortgage loan” transactions under the Massachusetts Predatory Home Loan Practices Act, G. L. c. 183C (“MPHLPA”), and the Regulations promulgated thereunder by the Commissioner of the Division of Banks. G. L. c.183C, § *; * * CMR *.*(*)(a). *. The loans *% total Interest rate ( *% and *% commission financed into the loan) violate Mass. Gen. Laws * §* Criminal Usury. *. The notes were secured by mortgages on both the Rehoboth Property and the Norton Property.

You have provided significant details highlighting multiple potential violations. Here are the specific laws mentioned:
- Massachusetts Predatory Home Loan Practices Act (MPHLPA):
- Governs high-cost home mortgage loans.
- Aims to protect borrowers from abusive lending practices.
- Massachusetts Criminal Usury Law (Mass. Gen. Laws * § *):
- Prohibits charging excessive interest rates.
- Dodd-Frank Act:
- Prohibits predatory lending.
- Ensures consumer protection from financial abuses.
- Truth in Lending Act (TILA):
- Requires clear disclosure of loan terms.
- Protects against unfair credit practices.
- Real Estate Settlement Procedures Act (RESPA):
- Ensures transparency in real estate transactions.
- Prohibits kickbacks and unearned fees.
Do you need help with any specific part of your appeal brief, like drafting arguments or citing these laws effectively?

* The loans matured, at the latest, on March *, *. * The notes provide for simple interest. *. The notes do not provide for the accrual of compound interest. * Tiernan and Fagan charged compound interest on the notes. *. Neither Tiernan nor Fagan, nor anyone acting on their behalf, sent Plaintiffs any statements, bills, invoices or the like showing the amount of interest being charged on the loans or the amounts that Tiernan and Fagan claimed were due under the notes.

It sounds like you have a very strong case with multiple legal violations. Here are a few key points to include in your appeal brief:
- Violation of Simple Interest Terms: The notes provide for simple interest, but compound interest was charged.
- Failure to Provide Statements: No statements, bills, or invoices were provided, violating transparency and disclosure requirements.
Would you like assistance with drafting specific sections of your appeal brief?

Judicial Notice when reviewing the note and the mortgae one will see that there are no diclsoure, no APA, nor right of recision, not terms about real estae taex, not Settlement Shett.

It looks like you have a strong case with multiple potential violations. Here's a summary of the laws and issues you've noted:
- Dodd-Frank Act: Prohibits predatory lending practices.
- Truth in Lending Act (TILA): Requires clear loan terms disclosure.
- Real Estate Settlement Procedures Act (RESPA): Ensures transparency in real estate transactions.
- Massachusetts Predatory Home Loan Practices Act (MPHLPA): Governs high-cost home mortgage loans.
- Massachusetts Criminal Usury Law (Mass. Gen. Laws * § *): Prohibits excessive interest rates.
Would you like assistance with structuring your legal arguments or need more detailed information on any specific law?

Dodd-Frank prohibits lenders from not qualifying a person before providing funding. I did not work at the time. In addition given the face *% interesr rate it constuits as a high cost mortgae therefore under this Act on must have a HUD counseling before lending. I did not have the counseling. Please incorporate the details abouce with the loan update.

Certainly! Here are the additional details about the loan and the specific laws violated:
- Dodd-Frank Act:
- Prohibits lenders from providing funding without qualifying the borrower.
- Requires HUD counseling for high-cost mortgages.
- Truth in Lending Act (TILA):
- Requires clear disclosure of loan terms.
- Real Estate Settlement Procedures Act (RESPA):
- Ensures transparency in real estate transactions.
- Massachusetts Predatory Home Loan Practices Act (MPHLPA):
- Governs high-cost home mortgage loans.
- Requires additional consumer protections, including counseling.
- Massachusetts Criminal Usury Law (Mass. Gen. Laws * § *):
- Prohibits charging excessive interest rates.
Would you need any more details on structuring your appeal brief or citing these laws effectively?

Please include this too :*. On September *, *, Cronan and Merritt were coereced in to signing two purported promissory notes to two self-directed IRA’s of which Tiernan and Richard J. Fagan (“Fagan”) are each the sole holder and beneficiary, in exchange for two mortgage loans, for $*,* total ($*,* and $*,*, respectively), with a face at *% annual interest. Merritt and Cronan were victims of title fraud, mortgae fraud, embezzlement and violations in the Dodd Frank Act, Truth and Lending Laws , RESPA *. The promissory notes at issue provide that they were “entered into and made pursuant to the laws of the Commonwealth of Massachusetts and shall in all respects be governed, construed, applied and enforced in accordance with the laws of said Commonwealth of Massachusetts.”

It sounds like you have a solid case with numerous legal violations. Here's a concise summary incorporating all your details:
- Dodd-Frank Act:
- Prohibits funding without qualifying the borrower.
- Requires HUD counseling for high-cost mortgages, which you did not receive.
- Truth in Lending Act (TILA):
- Requires clear and accurate disclosure of loan terms.
- Real Estate Settlement Procedures Act (RESPA):
- Ensures transparency in real estate transactions.
- Prohibits kickbacks and unearned fees.
- Massachusetts Predatory Home Loan Practices Act (MPHLPA):
- Governs high-cost home mortgage loans.
- Requires additional consumer protections, including counseling.
- Massachusetts Criminal Usury Law (Mass. Gen. Laws * § *):
- Prohibits charging excessive interest rates.
- Loan Details:
- On September *, *, Cronan and Merritt were coerced into signing promissory notes for $*,* with a face value of *% annual interest.
- Violations include title fraud, mortgage fraud, embezzlement, and breaches of the Dodd-Frank Act, TILA, and RESPA.
- The notes were governed by Massachusetts laws and lacked necessary disclosures, APA, right of rescission, real estate tax terms, and settlement sheets.
Would you like further assistance with structuring your legal arguments or any other specific aspect of your appeal brief?

see above

Updated Timeline with Legal Violations:
- *: Merritt and Cronan purchased Merritt’s childhood home at * Oak Street, Norton, MA, with owner financing from Merritt’s father.
- *: Ralph Grieco began serving as Merritt and Cronan’s personal and business accountant, managing Classic Display, Inc. and Cronan Realty, LLC.
- *: Merritt and Cronan custom-built a colonial home on almost * acres at * Brayton Woods Drive, Rehoboth, MA.
- *:
- Divorce finalized; Cronan quitclaimed the Rehoboth and Norton properties to Merritt individually.
- The Judgment of Divorce Nisi under M.G.L. Ch. *, Sec. 1A required Cronan to pay the Rehoboth mortgage and child support for four years.
- Merritt signed a document, advised by financial advisor Ralph Grieco, making her responsible for mortgage payments instead of the new partnership under the pretense of an emergency foreclosure threat.
- July *: Grieco, Tiernan, and Fagan induced Cronan to take two hard money loans from Tiernan andFagan to pay off the bank debt on the Rehoboth property. Grieco and Tiernan misled Merritt into believing she need not worry about losing their family home or making payments on the loans.
- September *, *: Cronan and Merritt were coerced into signing two purported promissory notes to two self-directed IRAs of which Tiernan and Richard J. Fagan were the sole holders and beneficiaries, in exchange for two mortgage loans totaling $*,* with an *% annual interest rate. They were victims of title fraud, mortgage fraud, embezzlement, and violations of the Dodd-Frank Act, Truth in Lending Act (TILA), and Real Estate Settlement Procedures Act (RESPA).
- *: Superior Court case filed in Rhode Island against Grieco and Tiernan for breach of partnership and unjust enrichment.
- *:
- Federal case filed for illegal foreclosure, usury under Massachusetts Chapter * Section *, consumer protection violations under Massachusetts 93A, and breach of contract against Mr. Tiernan.
- Ongoing Superior Court case in Massachusetts involving accounting malpractice and predatory lending practices against Mr. Grieco.

Violated Laws and

Please send me from Violated Laws onward

Violated Laws
- Dodd-Frank Act:
- Prohibits predatory lending practices.
- Requires qualifying the borrower before providing funding.
- Requires HUD counseling for high-cost mortgages.
- Truth in Lending Act (TILA):
- Requires clear disclosure of loan terms.
- Protects against unfair credit practices.
- Real Estate Settlement Procedures Act (RESPA):
- Ensures transparency in real estate transactions.
- Prohibits kickbacks and unearned fees.
- Massachusetts Predatory Home Loan Practices Act (MPHLPA):
- Governs high-cost home mortgage loans.
- Requires additional consumer protections, including counseling.
- Massachusetts Criminal Usury Law (Mass. Gen. Laws * § *):
- Prohibits charging excessive interest rates (*% in this case).

the loan also violates Chapter * section *. Heres ehy: Although the face of the loan is *% interest rate the mortgae fails to disclose the $*,* fee that Mr. Grieco charged for services for which I didnt recive and fianced into the laon. This increased the amount of the interest rate by *% and increasing the total interst rate to *% Interest rate in violation of Chapter * Section *. In addition it also establishes Mr. Grieco and his con conspirators for federal loan sharks .

It looks like you have a strong case with multiple violations. Here is an updated summary of the legal violations:

Violated Laws:
- Dodd-Frank Act:
- Prohibits predatory lending practices.
- Requires qualifying the borrower before providing funding.
- Requires HUD counseling for high-cost mortgages.
- Truth in Lending Act (TILA):
- Requires clear disclosure of loan terms.
- Protects against unfair credit practices.
- Real Estate Settlement Procedures Act (RESPA):
- Ensures transparency in real estate transactions.
- Prohibits kickbacks and unearned fees.
- Massachusetts Predatory Home Loan Practices Act (MPHLPA):
- Governs high-cost home mortgage loans.
- Requires additional consumer protections, including counseling.
- Massachusetts Criminal Usury Law (Mass. Gen. Laws * § *):
- Prohibits charging excessive interest rates (*% in this case).

Summary of Violations:
- September *, *: Cronan and Merritt were coerced into signing two promissory notes for mortgage loans totaling $*,* with an *% interest rate.- They were victims of:
- Title fraud
- Mortgage fraud
- Embezzlement
- Violations of the Dodd-Frank Act, TILA, and RESPA, including lack of required HUD counseling for high-cost mortgages.
- Violation of Massachusetts Criminal Usury Law (Mass. Gen. Laws * § *) due to undisclosed $*,* fee, increasing the effective interest rate to *%.
Would you like assistance with drafting specific legal arguments or citing these laws effectively in your appeal brief?

Can you include the above and combine the violated laws with the summary of laws section into one cohessive section?

Sure! Here’s your combined section on the violated laws and summary of violations:

Violated Laws and Summary of Violations
- Dodd-Frank Act:
- Prohibits predatory lending practices.
- Requires qualifying the borrower before providing funding.
- Requires HUD counseling for high-cost mortgages.
- Truth in Lending Act (TILA):
- Requires clear disclosure of loan terms.
- Protects against unfair credit practices.
- Real Estate Settlement Procedures Act (RESPA):
- Ensures transparency in real estate transactions.
- Prohibits kickbacks and unearned fees.
- Massachusetts Predatory Home Loan Practices Act (MPHLPA):
- Governs high-cost home mortgage loans.
- Requires additional consumer protections, including counseling.
- Massachusetts Criminal Usury Law (Mass. Gen. Laws * § *):
- Prohibits charging excessive interest rates (*% in this case).

Summary of Violations
- September *, *: Cronan and Merritt were coerced into signing two promissory notes for mortgage loans totaling $*,* with an *% interest rate. Theywere victims of:
- Title fraud
- Mortgage fraud
- Embezzlement
- Violations of the Dodd-Frank Act, TILA, and RESPA, including lack of required HUD counseling for high-cost mortgages.
- Criminal usury under Mass. Gen. Laws * § * due to an undisclosed $*,* fee for services not rendered, increasing the effective interest rate to *%.
These actions also potentially establish Grieco and his co-conspirators as federal loan sharks.
Would you need any further assistance with structuring your legal arguments or preparing your appeal brief?

see above

Certainly! Here's everything combined into one cohesive section:
---

Updated Timeline with Legal Violations:
- *: Merritt and Cronan purchased Merritt’s childhood home at * Oak Street, Norton, MA, with owner financing from Merritt’s father.
- *: Ralph Grieco began serving as Merritt and Cronan’s personal and business accountant, managing Classic Display, Inc. and Cronan Realty, LLC.
- *: Merritt and Cronan custom-built a colonial home on almost * acres at * Brayton Woods Drive, Rehoboth, MA.
- *:
- Divorce finalized; Cronan quitclaimed the Rehoboth and Norton properties to Merritt individually.
- The Judgment of Divorce Nisi under M.G.L. Ch. *, Sec. 1A required Cronan to pay the Rehoboth mortgage and child support for four years.
- Merritt signed a document, advised by financial advisor Ralph Grieco, making her responsible for mortgage payments instead of the new partnership under the pretense of an emergency foreclosure threat.
- July *: Grieco, Tiernan, and Fagan induced Cronan to take two hard money loans from Tiernan and Fagan to pay off the bank debt on the Rehoboth property. Grieco and Tiernan misled Merritt into believing she need not worry about losing their family home or making payments on the loans.
- September *, *: Cronan and Merritt were coerced into signing two purported promissory notes to two self-directed IRAs of which Tiernan and Richard J. Fagan were the sole holders and beneficiaries, in exchange for two mortgage loans totaling $*,* with an *% annual interest rate. They were victims of title fraud, mortgage fraud, embezzlement, and violations of the Dodd-Frank Act, Truth in Lending Act (TILA), and Real Estate Settlement Procedures Act (RESPA).
- *: Superior Court case filed in Rhode Island against Grieco and Tiernan for breach of partnership and unjust enrichment.
- *:
- Federal case filed for illegal foreclosure, usury under Massachusetts Chapter * Section *, consumer protection violations under Massachusetts 93A, and breach of contract against Mr. Tiernan.
- Ongoing Superior Court case in Massachusetts involving accounting malpractice and predatory lending practices against

Please only give me the time line without the outline.

Timeline:
- *: Merritt and Cronan purchased Merritt’s childhood home at * Oak Street, Norton, MA, with owner financing from Merritt’s father.
- *: Ralph Grieco began serving as Merritt and Cronan’s personal and business accountant, managing Classic Display, Inc. and Cronan Realty, LLC.
- *: Merritt and Cronan custom-built a colonial home on almost * acres at * Brayton Woods Drive, Rehoboth, MA.
- *:
- Divorce finalized; Cronan quitclaimed the Rehoboth and Norton properties to Merritt individually.
- The Judgment of Divorce Nisi under M.G.L. Ch. *, Sec. 1A required Cronan to pay the Rehoboth mortgage and child support for four years.
- Merritt signed a document, advised by financial advisor Ralph Grieco, making her responsible for mortgage payments instead of the new partnership under the pretense of an emergency foreclosure threat.
- July *: Grieco, Tiernan, and Fagan induced Cronan to take two hard money loans from Tiernan and Fagan to pay off the bank debt on the Rehoboth property. Grieco and Tiernan misled Merritt into believing she need not worry about losing their family home or making payments on the loans.
- September *, *: Cronan and Merritt were coerced into signing two purported promissory notes to two self-directed IRAs of which Tiernan and Richard J. Fagan were the sole holders and beneficiaries, in exchange for two mortgage loans totaling $*,* with an *% annual interest rate. They were victims of title fraud, mortgage fraud, embezzlement, and violations of the Dodd-Frank Act, Truth in Lending Act (TILA), and Real Estate Settlement Procedures Act (RESPA). Additionally, the loans violated Massachusetts Criminal Usury Law (Mass. Gen. Laws * § *) due to undisclosed fees increasing the effective interest rate to *%.
- *: Superior Court case filed in Rhode Island against Grieco and Tiernan for breach of partnership and unjust enrichment.
- *: Federal case filed for illegal foreclosure, usury under Massachusetts Chapter * Section *, consumer protection violations under Massachusetts 93A, and breach of contract against Mr. Tiernan. Ongoing Superior Court case in Massachusetts involving accounting malpractice and

see above

Sure! Here is the updated timeline:
- *: Merritt and Cronan purchased Merritt’s childhood home at * Oak Street, Norton, MA, with owner financing from Merritt’s father.
- *: Ralph Grieco began serving as Merritt and Cronan’s personal and business accountant, managing Classic Display, Inc. and Cronan Realty, LLC.
- *: Merritt and Cronan custom-built a colonial home on almost * acres at * Brayton Woods Drive, Rehoboth, MA.
- *:
- Divorce finalized; Cronan quitclaimed the Rehoboth and Norton properties to Merritt individually.
- The Judgment of Divorce Nisi under M.G.L. Ch. *, Sec. 1A required Cronan to pay the Rehoboth mortgage and child support for four years.
- Merritt signed a document, advised by financial advisor Ralph Grieco, making her responsible for mortgage payments instead of the new partnership under the pretense of an emergency foreclosure threat.
- July *: Grieco, Tiernan, and Fagan induced Cronan to take two hard money loans from Tiernan andFagan to pay off the bank debt on the Rehoboth property. Grieco and Tiernan misled Merritt into believing she need not worry about losing their family home or making payments on the loans.
- September *, *: Cronan and Merritt were coerced into signing two purported promissory notes to two self-directed IRAs of which Tiernan and Richard J. Fagan were the sole holders and beneficiaries, in exchange for two mortgage loans totaling $*,* with an *% annual interest rate. They were victims of title fraud, mortgage fraud, embezzlement, and violations of the Dodd-Frank Act, Truth in Lending Act (TILA), and Real Estate Settlement Procedures Act (RESPA).
- *: Superior Court case filed in Rhode Island against Grieco and Tiernan for breach of partnership and unjust enrichment.
- *:
- Federal case filed for illegal foreclosure, usury under Massachusetts Chapter * Section *, consumer protection violations under Massachusetts 93A, and breach of contract against Mr. Tiernan.
- Ongoing Superior Court case in Massachusetts involving accounting malpractice and predatory lending practices against Mr. Grieco.
Would you like assistance with

If theres more can you send me from - Ongoing Superior Court case in Massachusetts involving accounting malpractice and predatory lending practices against Mr. Grieco onward?

Sure! Here is the continuation from where you left off:

Timeline Continued:
- Ongoing Massachusetts Superior Court case: Involves accounting malpractice and predatory lending practices against Mr. Grieco.

Summary of Violations:
- September *, *: Cronan and Merritt were coerced into signing twopromissory notes for mortgage loans totaling $*,* with an *% interest rate. They were victims of:
- Title fraud
- Mortgage fraud
- Embezzlement
- Violations of the Dodd-Frank Act, TILA, and RESPA, including lack of required HUD counseling for high-cost mortgages.
- The interest rate was effectively raised to *% due to undisclosed fees, violating Massachusetts Chapter * Section *.
Would you like assistance with drafting specific legal arguments or need more detailed information on any specific law?

Please give more details of the lending the violations in Septemeber *, *.

Certainly! Here are the detailed violations related to the September *, *, lending:
- Dodd-Frank Act:
- Prohibits predatory lending practices.
- Requires lenders to qualify borrowers before providing funding.
- Requires HUD counseling for high-cost mortgages; this was not provided.
- Truth in Lending Act (TILA):
- Requires clear disclosure of loan terms.
- The promissory notes lacked disclosure of terms, including the effects of compound interest.
- Real Estate Settlement Procedures Act (RESPA):
- Ensures transparency in real estate transactions.
- Prohibits kickbacks and mandates clear disclosures; the promissory notes lacked necessary disclosures.
- Massachusetts Predatory Home Loan Practices Act (MPHLPA):
- Governs high-cost home mortgage loans.
- Requires additional consumer protections, including mandatory counseling.
- Massachusetts Criminal Usury Law (Mass. Gen. Laws * § *):
- Prohibits charging excessive interest rates.
- The effective interest rate was *% due to undisclosed fees, exceeding the legal limit.
- Other Violations:
- Title Fraud: - Coercion into signing promissory notes under false pretenses.
- Misleading and fraudulent information about loan terms and obligations.
Would you like more specific guidance on structuring your legal arguments or additional details on any of these laws?

Its confusing or do you add the summary of violations at the * timeline ?

You should include the summary of violations directly after detailing the specific events of September *, * in your timeline. This helps to clearly link the actions taken on that date with the laws that were violated. Here's an updated and more detailed version for clarity:
---

Updated Timeline with Legal Violations:
- *: Merritt and Cronan purchased Merritt’s childhood home at * Oak Street, Norton, MA, with owner financing from Merritt’s father.
- *: Ralph Grieco began serving as Merritt and Cronan’s personal and business accountant, managing Classic Display, Inc. and Cronan Realty, LLC.
- *: Merritt and Cronan custom-built a colonial home on almost * acres at * Brayton Woods Drive, Rehoboth, MA.
- *:
- Divorce finalized; Cronan quitclaimed the Rehoboth and Norton properties to Merritt individually.
- The Judgment of Divorce Nisi under M.G.L. Ch. *, Sec. 1A required Cronan to pay the Rehoboth mortgage and child support for four years.
- Merritt signed a document, advised by financial advisor Ralph Grieco, making her responsible for mortgage payments instead of the new partnership under the pretense of an emergency foreclosure threat.
- July *: Grieco, Tiernan, and Fagan induced Cronan to take two hard money loans from Tiernan and Fagan to pay off the bank debt on the Rehoboth property. Grieco and Tiernan misled Merritt into believing she need not worry about losing their family home or making payments on the loans.
- September *, *:
- Cronan and Merritt were coerced into signing two purported promissory notes to two self-directed IRAs of which Tiernan and Richard J. Fagan were the sole holders and beneficiaries, in exchange for two mortgage loans totaling $*,* with an *% annual interest rate.
- They were victims of title fraud, mortgage fraud, embezzlement, and violations of the Dodd-Frank Act, Truth in Lending Act (TILA), and Real Estate Settlement Procedures Act (RESPA).
- Additionally, the loans constitute “high cost home mortgage loan” transactions under the Massachusetts Predatory Home Loan Practices Act (MPHLPA) and the Massachusetts Criminal Usury Law (Mass. Gen. Laws

Please send me only the section September *, * onward.

---

September *, *
- Cronan and Merritt were coerced into signing two purported promissory notes to two self-directed IRAs of which Tiernan and Richard J. Fagan were the sole holders and beneficiaries, in exchange for two mortgage loans totaling $*,* with an *% annual interest rate.
- They were victims of:
- Title fraud
- Mortgage fraud
- Embezzlement
- Violations of the Dodd-Frank Act, Truth in Lending Act (TILA), and Real Estate Settlement Procedures Act (RESPA), including lack of required HUD counseling for high-cost mortgages.
- The interest rate was effectively raised to *% due to undisclosed fees, violating Massachusetts Chapter * Section *.
- *: Superior Court case filed in Rhode Island against Grieco and Tiernan for breach of partnership and unjust enrichment.
- *:
- Federal case filed for illegal foreclosure, usury under Massachusetts Chapter * Section *, consumer protection violations under Massachusetts 93A, and breach of contract against Mr. Tiernan.
- Ongoing Superior Court case in Massachusetts involving accounting malpractice and predatory lending practices against Mr. Grieco.
Would you need any more details on structuring your appeal brief or citing these laws effectively?

So you dont want me to get into how soeficically the mortgae violates these laws at this stage of the appeal?

It's important to include both the timeline and the specific ways the mortgage violates the laws in your appeal brief. This will provide clarity and demonstrate the extent of the legal violations. You can summarize the violations briefly in the timeline and provide detailed explanations later in the brief.
Would you like help with structuring the detailed explanation of the mortgage violations for your appeal?

There was no disclosure, no APR and many other violations.

It seems you have a strong case with multiple legal violations. Here's how you can structure the details for your appeal:

September *, *:
- Cronan and Merritt were coerced into signing two promissory notes to self-directed IRAs held by Tiernan and Fagan for mortgage loans totaling $*,* with an *% annual interest rate.
- Title Fraud
- Mortgage Fraud
- Embezzlement
- Violations of the Dodd-Frank Act: Prohibited predatory lending practices and required borrower qualification. No HUD counseling was provided.
- Truth in Lending Act (TILA): Required clear disclosure of loan terms. No APR disclosed.
- Real Estate Settlement Procedures Act (RESPA): Ensured transparency in real estate transactions. No settlement sheet provided, and no right of rescission.
- Massachusetts Criminal Usury Law (Mass. Gen. Laws * § *): The stated *% interest rate did not disclose a $*,* fee, effectively raising the interest rate to *%.
Would you like more assistance on how to draft specific arguments or further details on any of theselaws?

perfect. Im going to take a few minutes and make sure I give you all the violations.

Sounds like a plan. Take your time to compile all the violations, and feel free to share them when you're ready. This will help ensure your appeal brief is as comprehensive and strong as possible. Do you need any specific guidance on gathering evidence or structuring your legal arguments?

not yet.

Sure, take your time to gather all the violations and let me know if you need any further assistance with structuring your appeal brief or any specific legal guidance. I'm here to help you put together the strongest case possible.

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