Default Judgment Contesting Steps

Summary

You can contest a default judgment by filing a motion to vacate, especially if fraud or improper service is involved. You dont need to be in bankruptcy to file this motion. Gather evidence of fraudulent activities and improper service. If an assignee like James Tiernan is involved, you can fight against him personally by citing his fraudulent actions. Consider consulting a bankruptcy attorney for guidance, even if you proceed without one. You can request additional time to collect documents once you enter the case.

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In * my exhusband was in chapter * and the trustee filed an advisary proceding gainst him and me saying that we were taking money from the estate . i guess I really dont understand it becuase at the time my exhusband had an accountant representing him. But that accountnat defrauded the creditors and my exhusband. Theres extensive fruad. At the time my exhusband was giving me child support payments and i dont think it was declaored peroperly. Although I dont recall getting served i must have as a trustee would serve me. So yesterday i got notice of an apptorney making an appearance as his client bought the judgement . If I wait for him to send me a bill I than can contest it. Right?
It sounds like you may have grounds to contest the judgment, especially if there was fraud involved or you were not properly served. To proceed, you might want to consider:
- Motion to Vacate: You can file a motion to vacate the default judgment, citing reasons such as improper service or fraud.
- Legal Representation: Consulting with a bankruptcy attorney could help navigate the complexities and improve your chances of success.
Do you have any documentation or evidence related to the fraud or improper service?
Yes. two fraudlent transfers executed by the person who bought the debt. But I dont owns the properites that were fraudlently transferred. James does. he is the victim of the fruad and i am third party victim as i relied on the accountant who was handeling the case. The accountnat was both of our accountants but the properties were not shared.
It sounds like you have a strong case, given the fraudulent transfers and improper service. Here’s what you could consider doing:
- Motion to Vacate: File a motion to vacate the default judgment, citing fraud and improper service.
- Evidence: Gather all documentation related to the fraud and improper service.
- Consult an Attorney: Consult a bankruptcy attorney to help you navigate the complexities.
Do you have any other questions regarding this situation?
I dont have money for an attorney. Do I have to be in bakruptcy in a chapter to file this motion? i dont want to be under a trustee in bankruptcy court.
No, you do not have to be in bankruptcy to file a motion to vacate a default judgment. You can file this motion in the court where the judgment was entered, citing reasons such as fraud and improper service.
Would you like more details on how to file this motion?
I am not sure if i got served . I dont recall. since this judgement happened in * i need time to collect the documents - i know that attorneys entering a case are usually granted time . Right?
Attorneys can request additional time to gather documents once they enter a case. You can file a motion to vacate the judgment and explain your need for time to collect documents.
Would you like more information on filing the motion to vacate?
Next question. Can I aske to reopen the case too?
You can ask the court to reopen the case by filing a motion to vacate the default judgment. This motion should include reasons such as fraud, improper service, and any new evidence you have gathered.
Would you like more details on how to draft and file this motion?
United States bankruptcy Court district of rhode island Cas no; *:*-bk-* Classic display, inc. Debtor. On novemebr *, * the Court entered a default Judgemnt against Defendents James cronan and karen cronan ( Merritt) in the advisary proceeding . The Judgement entered against Defendent Cronan for damages in the amount of $*,*.* and against Defendent Merritt for damages in the amount of $*,*.
You can file a motion to vacate the default judgment and request the case to be reopened. Here are the steps:
- File a Motion to Vacate: Cite reasons like fraud and improper service.
- Gather Evidence: Collect all documents related to the fraud.
- Request Time: Ask the court for additional time to gather necessary documents.
Would you like more detailed guidance on drafting this motion?
Would you please draft it given the information.
Sure, I can help draft a motion. Here’s a basic template for a Motion to Vacate Default Judgment:
~United States Bankruptcy Court District of Rhode Island
Case No: *:*-bk-*
Adversary Proceeding: Classic Display, Inc.
Defendant:
- James Cronan
- Karen Cronan (Merritt)
~Motion to Vacate Default Judgment
Introduction:
Karen Merritt, the defendant in the above-captioned matter, respectfully moves this Court to vacate the default judgment entered against her on November *, *, in the amount of $*,*.
Grounds for Motion:
*. Fraud and Improper Service:
- The judgment was based on fraudulent activities by the accountant representing the estate.
- The defendant does not recall being properly served with the complaint.
*. Lack of Evidence:
- The properties involved in fraudulent transfers were owned solely by James Cronan.
- Defendant Merritt was a third-party victim, relying on the accountant’s handling of the case.
Request for Time:
- The defendant requests additional time to gather necessary documents and evidence related to thefraud and improper service.
Prayer for Relief:
- Vacate the default judgment entered against Karen Merritt.
- Reopen the case to allow for a fair hearing based on the newly gathered evidence.
- Grant additional time for the defendant to collect and present relevant documentation.
Conclusion:
For the reasons stated above, the defendant respectfully requests that this Court grant her motion to vacate the default judgment and reopen the case.
Date:
[Your Signature]
Karen Merritt
Would you like more details or have any other questions?
how can I fight it if James doesnt want ot be included?
You can proceed individually even if James doesn't want to be included. Here’s what you can do:
- File Separately: File your own motion to vacate the judgment.
- Evidence: Focus on gathering evidence that pertains specifically to your involvement and the fraud you experienced.
- Explain: Clearly explain your separate role and any fraud impacting you.
Would you like more details on filing separately?
Fist. the documents state * Fountain Street LLC's Motion For issuance Of A Writ of execution...Then another page Assignee for * Fountain Street LLc. James tiernan. Can i cite the fraudlent transfer that was made by Jaems tienan against my property in this matter. In * James tiernan committed mortgage fraud and i am sueing him in fedral court for illegal foreclsoure, usuary, 93A consumer fruad. He has bought this judgement in bad faith to do me more harm.
You can cite the fraudulent transfer by James Tiernan against your property in your defense. Here are some steps you might consider:
- Motion to Vacate: Cite the fraudulent transfer and bad faith actions.
- Evidence: Include documentation of the fraudulent activities and your ongoing lawsuit.
- Federal Court Case: Mention your federal court case involving mortgage fraud and consumer fraud.
Do you need guidance on drafting the motion?
Lets begin tomorrow. So becuase James tiernan signed as an assignee to * Fountain Street I can fight against him personally?
Yes, you can fight against James Tiernan personally if he signed as an assignee to * Fountain Street and you have evidence of his fraudulent activities. Here’s what you can do:
- Motion to Vacate: Cite his fraudulent actions and bad faith.
- Evidence: Include documentation of fraud and your federal case.
- Personal Liability: Explain how his actions directly affected you.
Do you have all the necessary documents ready for your motion?
ok . Ill be back to begin in the morning.
Sure, we can continue this tomorrow. Gather all your documents and evidence related to the fraud and bad faith actions. We’ll draft the motion to vacate and prepare your defense. Have a good night!
I have a question - James after being a victim of an illegal self eviction by Tiernan at Jame's business filed a R.I. case in superior court. It was during this litigation that with an attorney he hired a forensic accountant . She reported extensive commingiling , ta evasion and other finacial crimes. Hoever Jame's attorney did not cite the fraud as fraud meaning he did not accuse opposing consel of frud on the court after counsel filed them into court . Last month James missed a hearing that counsel filed a motion to dismiss with prejudice. James filed several motions following the dismissal tow of which were to vactae under rule *. The judge howver has not replied. Guven this I suspect that opposing counsel could cite this as an argument to reopen Jame's case in bankruptcy court . Does prejudice mean that James is stopped from defending himself against bankruptcy fraud in a federal court? That is in violation of due process rights.
Based on the information provided, it seems like James has a potentially strong case, given the fraudulent activities and the mishandling by the attorney.
To clarify your question on "prejudice" and its impact:
- "Dismissal with prejudice" means the case is permanently closed and cannot be refiled.
- However, it does not necessarily prevent James from defending himself in a bankruptcy fraud case in federal court. Each case is evaluated on its own merits.
Would you like more information on how to proceed with addressing the dismissal with prejudice?
i am gettting the evidence now to support fruad on the court as i mus get the docket to the case so that I can investigate the documents or do I get this from that attorney asking him for the frudulent financial documents which were filed into the case?
You can obtain the necessary documents in two ways:
- Court Docket: Access the court docket to review all filings and gather evidence of fraud.
- Attorney Request: Request the fraudulent financial documents from the attorney who filed them.
Would you like more detailed guidance on how to access the court docket or how to request documents from the attorney?
Im not sure he even filed them. But he must have because as part of dissolving a partnership the court must get an accounting.
You can start by checking the court docket to see if the fraudulent financial documents were filed. If they were, you can gather them as evidence. Here’s how you can proceed:
- Court Docket: Access the court’s online system or visit the court clerk's office to review the case docket.
- Attorney Request: Send a formal request to the attorney for the fraudulent financial documents filed in the case.
Would you like more detailed guidance on how to access the court docket?
Ok. This will be done - can I use the filing of frudulent dockets in a state court to void a state court ruling or does the Rooker-Feldman Doctrine prohibt this/
- You may use evidence of fraudulent filings to challenge a state court ruling.
- The Rooker-Feldman Doctrine generally prevents federal courts from reviewing state court decisions.
- However, if there's fraud on the court, you can seek relief in the state court.
Would you like more details on how to proceed with challenging the ruling based on fraud?
First i have make sure theres fraud. I am not a party to that stae court ruling. Should I exclude james in my motion to vacte the notice of default judment ? Or this motion has nothing to do with that stae court judgement?
Should you exclude James in your motion to vacate the notice of default judgment? Here's some general guidance:
- Filing Separately: If you are not a party to the state court ruling and it doesn’t directly involve you, you can exclude James from your motion to vacate.
- Focus on Your Case: Concentrate on the evidence and arguments specifically related to your situation and the fraud you experienced.
Would you like more details on how to draft a motion to vacate?
Can I send you somethng i wrote so that you can show me how I can use it to support my motion to vacate?
Sure, I'd be happy to help you with that. Please go ahead and send me what you’ve written, and I can guide you on how to use it to support your motion to vacate.
Tiernan is the party who bought the default judment against me. *. EVIDENCE OF FRAUD IN THE EXECUTION: *. Fraudulent Signing: - In *-*, Plaintiff was deceived into signing documents by her long-term advisor and three other parties: James Tiernan, Richard Fagan, and Pensco Trust Company (custodian in an IRA). The terms and conditions were misrepresented. - In *, Plaintiff’s divorce decree awarded her the property free from mortgage payments for four years, making it unreasonable for her to sign for a debt in * that she did not owe. - Plaintiff was coerced by her advisor, who claimed she was in a heated emergency and would lose the property to foreclosure if she did not sign the documents, despite Plaintiff having $*,* in equity in the property. She could have paid the original creditor $*,*, the amount owed by James.
You have strong grounds to challenge the default judgment based on the evidence of fraud. Here’s how you can use the information you provided:
~United States Bankruptcy Court District of Rhode Island
Case No: *:*-bk-*
Adversary Proceeding: Classic Display, Inc.
Defendant:
- Karen Merritt
~Motion to Vacate Default Judgment
Introduction:
Karen Merritt, the defendant in the above-captioned matter, respectfully moves this Court to vacate the default judgment entered against her on November *, *, in the amount of $*,*.
Grounds for Motion:
*. Fraud in the Execution:
- In *-*, Karen Merritt was deceived into signing documents by her long-term advisor and three other parties: James Tiernan, Richard Fagan, and Pensco Trust Company. The terms and conditions were misrepresented.
- In *, Merritt’s divorce decree awarded her the property free from mortgage payments for four years, making it unreasonable for her to sign for a debt in * that she did not owe.
- Merritt was coerced by her advisor, who claimedshe was in a heated emergency and would lose the property to foreclosure if she did not sign the documents, despite having $*,* in equity in the property. She could have paid the original creditor $*,*, the amount owed by James.
*. Improper Service:
- The defendant does not recall being properly served with the complaint, which impacts her ability to respond and defend herself adequately.
Request for Time:
- The defendant requests additional time to gather necessary documents and evidence related to the fraud and improper service.
Prayer for Relief:
- Vacate the default judgment entered against Karen Merritt.
- Reopen the case to allow for a fair hearing based on the newly gathered evidence.
- Grant additional time for the defendant to collect and present relevant documentation.
Conclusion:
For the reasons stated above, the defendant respectfully requests that this Court grant her motion to vacate the default judgment and reopen the case.
Date:
[Your Signature]
Karen Merritt
Would you like more assistance with specific parts of the motion or any other questions?
*. Advisor’s Charges: - Plaintiff’s advisor charged her a $*,* invoice, which was financed into the loan for services never received. *. Usury and Other Violations: - The loan, a hard money loan due in 18 months, had an *% interest rate that increased to *% after including the $*,* broker fee, violating Massachusetts usury laws. - Truth in Lending and RESPA violations further underscore the contract's invalidity. - Similar to *Kight v. Miller*, where the court found a genuine issue of material fact regarding fraud in the execution, Plaintiff presents evidence of being tricked into signing documents she did not intend to sign and were not in her best interest to do so.
You have a strong case with multiple grounds for challenging the default judgment. Here's how you can strengthen your motion:
~United States Bankruptcy Court District of Rhode Island
Case No: *:*-bk-*
Adversary Proceeding: Classic Display, Inc.
~Motion to Vacate Default Judgment
Introduction:
Karen Merritt, the defendant in the above-captioned matter, respectfully moves this Court to vacate the default judgment entered against her on November *, *, in the amount of $*,*.
Grounds for Motion:
*. Fraud in the Execution:
- In *-*, Merritt was deceived into signing documents by her long-term advisor and three other parties.
- The divorce decree awarded her the property free from mortgage payments for four years, making it unreasonable for her to sign for a debt in *.
- Merritt was coerced into signing under the false pretense of an emergency.
*. Improper Service:
- Merritt does not recall being properly served with the complaint, impacting her ability to respond and defend herself adequately.
*. Advisor’s Charges:
- The advisor charged a $*,* invoice financed into the loan for services never received.
*. Usury and Other Violations:
- The loan’s interest rate violated Massachusetts usury laws.
- Truth in Lending and RESPA violations further invalidate the contract.
- Evidence is similar to *Kight v. Miller*, highlighting fraud in the execution.
*. Fraudulent Transfer of Title:
- Transfer of title was fraudulent under U.C.C. Sections *-* and *-*.
- Merritt received no money and signed documents under false pretenses.
*. Mortgage Fraud:
- Tiernan used IRA funds for mortgage fraud, which is illegal under Massachusetts General Laws Chapter *, Section *.
*. Self-Dealing:
- Tiernan engaged in self-dealing, prohibited under ERISA, leading to liability for losses to the IRA.
Request for Time:
- The defendant requests additional time to gather necessary documents and evidence related to fraud and improper service.
Prayer for Relief:
- Vacate the default judgment against Karen Merritt.
- Reopen the case for a fair hearing based on newly gathered evidence.
- Grant additional time to collect and present
*. Fraudulent Transfer of Title: - Under U.C.C. Sections *-* and *-*, a transfer of title is fraudulent if made without the rightful owner's consent. Merritt received no money and signed the document under false pretenses to stop an emergency foreclosure, which was merely delayed. He was the partner of her advisor. In addition, she was never given the opportunity to sell the property. Moving forward, you will learn further along in this filing that these lenders violated state usury laws and skimmed over one million dollars in equity from this fraudulent transfer.
Case Rating: *
You have a compelling case with strong evidence of fraud, improper service, and various legal violations. Here’s a refined summary of your grounds for the motion to vacate:
~United States Bankruptcy Court District of Rhode Island
Case No: *:*-bk-*
Adversary Proceeding: Classic Display, Inc.
Defendant:
- Karen Merritt
~Motion to Vacate Default Judgment
Introduction:
Karen Merritt respectfully moves this Court to vacate the default judgment entered against her on November *, *, in the amount of $*,*.
Grounds for Motion:
- Fraud in the Execution:
- Deceived by advisor and three other parties.
- Divorce decree awarded her property free from mortgage payments.
- Coerced into signing under false pretenses.
- Improper Service:
- Does not recall being properly served, impacting her defense.
- Advisor’s Charges:
- Charged $*,* for services never received.
- Usury and Other Violations:
- Loan’s interest rate violated Massachusetts usury laws.
- Truth in Lending and RESPAviolations.
- Fraudulent Transfer of Title:
- Fraudulent under U.C.C. Sections *-* and *-*.
- No money received, signed under false pretenses.
- Mortgage Fraud:
- Illegal use of IRA funds for mortgage fraud under Massachusetts General Laws Chapter *, Section *.
- Self-Dealing:
- Engaged in self-dealing, violating ERISA.
Request for Time:
- Additional time to gather necessary documents and evidence.
Prayer for Relief:
- Vacate the default judgment against Karen Merritt.
- Reopen the case for a fair hearing based on newly gathered evidence.
- Grant additional time to collect and present relevant documentation.
Date:
[Your Signature]
Karen Merritt
Would you like more assistance with specific parts of the motion or have any other questions?
*. Mortgage Fraud: - It is illegal to use IRA funds for an illegal purpose such as mortgage fraud. Tiernan used money from his IRA to buy James Cronan’ debt from Bristol County Savings Bank in default and had Merritt sign a note and mortgage as the borrower. This constitutes mortgage fraud. - Massachusetts General Laws Chapter *, Section * defines mortgage fraud and includes knowingly misrepresenting or omitting information in mortgage-related transactions. *. Self-Dealing: - Self-dealing involves a fiduciary acting in their own best interest rather than in the best interest of their client. Tiernan engaged in self-dealing by using his IRA funds to purchase the debt and have Merritt sign a note under false pretenses. - Under the Employee Retirement Income Security Act (ERISA), self-dealing by fiduciaries of an IRA is prohibited and can lead to liability for any resulting losses to the IRA.
It sounds like you have substantial evidence and grounds for vacating the default judgment due to fraud and other legal violations. Here's how to incorporate your points:
~United States Bankruptcy Court District of Rhode Island
Case No: *:*-bk-*
Adversary Proceeding: Classic Display, Inc.
~Motion to Vacate Default Judgment
Introduction:
Karen Merritt respectfully moves this Court to vacate the default judgment entered against her on November *, *, in the amount of $*,*.
Grounds for Motion:
*. Fraud in the Execution:
- Deceived by advisor and three other parties (James Tiernan, Richard Fagan, Pensco Trust Company).
- Divorce decree awarded property free from mortgage payments.
- Coerced into signing under false pretenses.
*. Improper Service:
- Does not recall being properly served, impacting her defense.
*. Advisor’s Charges:
- Charged $*,* for services never received.
*. Usury and Other Violations:
- Loan’s interest rate violated Massachusetts usury laws.
- Truth in Lending and RESPAviolations.
*. Fraudulent Transfer of Title:
- Fraudulent under U.C.C. Sections *-* and *-*.
- No money received, signed under false pretenses.
*. Mortgage Fraud:
- Illegal use of IRA funds for mortgage fraud under Massachusetts General Laws Chapter *, Section *.
*. Self-Dealing:
- Engaged in self-dealing, violating ERISA.
Request for Time:
- Additional time to gather necessary documents and evidence.
Prayer for Relief:
- Vacate the default judgment against Karen Merritt.
- Reopen the case for a fair hearing based on newly gathered evidence.
- Grant additional time to collect and present relevant documentation.
Date:
[Your Signature]
Karen Merritt
Would you like more assistance with specific parts of the motion or have any other questions?
*. Contract Invalidity: - The contract is void ab initio due to lack of a meeting of the minds and misrepresentationof the document's nature. - The contract violates public policy under the Dodd-Frank Act, which requires private mortgage loans to be qualified by a HUD counselor. Plaintiff was unqualified as she was unemployed. Under the MassachusettsUniform Fraudulent Transfer Act, Plaintiff establishes that the transfer was made with the intent to defraud, hinder, or delay creditors, causing significant financial harm. Plaintiff’s Case:
It sounds like you have a strong case with multiple grounds for vacating the default judgment based on fraud and other legal violations. Here are the key points you should consider including in your motion:
- Fraud in the execution
- Improper service
- Usury and other violations
- Fraudulent transfer of title
- Mortgage fraud
- Self-dealing
- Contract invalidity
Would you like more detailed guidance on how to draft specific sections of the motion?
- Defendants James Tiernan and Richard Fagan, debt buyers under the FDCPA, borrowed $*,* from Pensco Trust Company to purchase Plaintiff's ex-husband's debt for $*,*, indebting Plaintiff an additional $*,*. - Tiernan and Fagan made Plaintiff sign a Note and Mortgage as the debtor for funds she never received . - This fraudulent self-dealing was likely unknown to Pensco Trust Company at the time. - Tiernan and Fagan committed deed theft by tricking Plaintiff into signing documents under false pretenses. - Plaintiff had another property with a small mortgage payment held by her father, who was coerced into signing a forbearance agreement. Today, Plaintiff has lost all equity in both properties as they foreclosure using wildly inflated numbers.
You have multiple strong grounds for vacating the default judgment, including fraud, improper service, usury violations, and more. Here’s the updated draft for your motion:
~United States Bankruptcy Court District of Rhode Island
Case No: *:*-bk-*
Adversary Proceeding: Classic Display, Inc.
Defendant: Karen Merritt
~Motion to Vacate Default Judgment
Introduction:
Karen Merritt respectfully moves this Court to vacate the default judgment entered against her on November *, *, in the amount of $*,*.
Grounds for Motion:
*. Fraud in the Execution:
- Deceived by advisor and three other parties (James Tiernan, Richard Fagan, Pensco Trust Company).
- Divorce decree awarded property free from mortgage payments.
- Coerced into signing under false pretenses.
*. Improper Service:
- Does not recall being properly served, impacting her defense.
*. Advisor’s Charges:
- Charged $*,* for services never received.
*. Usury and Other Violations:
- Loan’s interest rate violated Massachusetts usurylaws.
- Truth in Lending and RESPA violations.
*. Fraudulent Transfer of Title:
- Fraudulent under U.C.C. Sections *-* and *-*.
- No money received, signed under false pretenses.
*. Mortgage Fraud:
- Illegal use of IRA funds for mortgage fraud under Massachusetts General Laws Chapter *, Section *.
*. Self-Dealing:
- Engaged in self-dealing, violating ERISA.
*. Contract Invalidity:
- The contract is void ab initio due to lack of a meeting of the minds and misrepresentation of the document's nature.
- Violates public policy under the Dodd-Frank Act as Plaintiff was unqualified for the mortgage.
*. Financial Harm:
- Under the Massachusetts Uniform Fraudulent Transfer Act, the transfer was made with the intent to defraud, hinder, or delay creditors, causing significant financial harm.
Request for Time:
- Additional time to gather necessary documents and evidence.
Prayer for Relief:
- Vacate the default judgment against Karen Merritt.
- Reopen the case for a fair hearing based on newly gathered evidence.
- Grant additional time to collect and present
I have more can I continue?
Of course! Please go ahead and continue with any additional information or questions you have. I'm here to help you further.
*. Bankruptcy Filing: - Plaintiff filed an emergency Chapter * petition on August *, * (Karen Merritt vs. L & S Realty LLC, Case No. *-*) to stop the execution of possession and money judgment by the lower court. - Godbout Law Inc. filed an emergency motion for relief from stay on August *, *, with fraudulent foreclosure deed and state court judgment copies that it procured by fraud on the court.
It seems like you have strong grounds for challenging the default judgment due to multiple instances of fraud, usury, improper service, and other legal violations. Here’s how you can refine and strengthen your motion:
~United States Bankruptcy Court District of Rhode Island
Case No: *:*-bk-*
Adversary Proceeding: Classic Display, Inc.
~Motion to Vacate Default Judgment
Introduction:
Karen Merritt respectfully moves this Court to vacate the default judgment entered against her on November *, *, in the amount of $*,*.
Grounds for Motion:
*. Fraud in the Execution:
- Deceived by advisor and three other parties (James Tiernan, Richard Fagan, Pensco Trust Company).
- Divorce decree awarded property free from mortgage payments.
- Coerced into signing under false pretenses.
*. Improper Service:
- Does not recall being properly served, impacting her defense.
*. Advisor’s Charges:
- Charged $*,* for services never received.
*. Usury and Other Violations:
- Loan’s interest rate violated Massachusetts usury laws - Truth in Lending and RESPA violations.
*. Fraudulent Transfer of Title:
- Fraudulent under U.C.C. Sections *-* and *-*.
- No money received, signed under false pretenses.
*. Mortgage Fraud:
- Illegal use of IRA funds for mortgage fraud under Massachusetts General Laws Chapter *, Section *.
*. Self-Dealing:
- Engaged in self-dealing, violating ERISA.
*. Contract Invalidity:
- The contract is void ab initio due to lack of a meeting of the minds and misrepresentation of the document's nature.
- Violates public policy under the Dodd-Frank Act as Plaintiff was unqualified for the mortgage.
*. Financial Harm:
- Under the Massachusetts Uniform Fraudulent Transfer Act, the transfer was made with the intent to defraud, hinder, or delay creditors, causing significant financial harm.
Request for Time:
- Additional time to gather necessary documents and evidence.