“What was she saying at the front door?” I asked Rojas.
“She was asking about you.”
“What do you mean?”
“She said you looked like you shouldn’t need a translator, you know?”
I nodded. I got that a lot. My mother’s genes made me look more south of the border than north.
“She also wanted to know if you were married, Boss. I told her you were. But if you want to circle back and tap that, it’ll be there. She’d probably want a discount on the fees, though.”
“Thanks, Rojas,” I said dryly. “She already got a discount but I’ll keep it in mind.”
Before opening the file I scrolled through the contacts list on my phone. I was looking for the name of someone in the Van Nuys detective squad who might share some information with me. But there was nobody. I was going in blind on a murder case. Not a good starting point either.
I closed the phone and put it into its charger, then opened the file. Lisa Trammel had become my client after responding to the generic letter I sent to the owners of all homes in foreclosure. I assumed I wasn’t the only lawyer in Los Angeles who did this. But for some reason Lisa answered my letter and not theirs.
As an attorney in private practice you get to choose your own clients most of the time. Sometimes you choose wrong. Lisa was one of those times with me. I was eager to start the new line of work. I was looking for clients who were in jams or who had been taken advantage of. People who were too naive to know their rights or options. I was looking for underdogs and thought I had found one in Lisa. No doubt she fit the bill. She was losing her house because of a set of circumstances that had fallen like dominoes out of her control. And her lender had turned her case over to a foreclosure mill that had cut corners and even violated the rules. I signed Lisa up, put her on a payment plan and started to fight her fight. It was a good case and I was excited. It was only after this that Lisa became a nuisance client.
Lisa Trammel was thirty-five years old. She was the married mother of a nine-year-old boy named Tyler and their house was on Melba in Woodland Hills. At the time she and her husband, Jeffrey, bought the house in 2005, Lisa taught social studies at Grant High while Jeffrey sold BMWs at the dealership in Calabasas.
Their three-bedroom house carried a $750,000 mortgage against an appraised value of $900,000. The market was strong then and mortgages were plentiful and easy to get. They used an independent mortgage broker who shopped their file around and got them into a low-interest loan that carried a balloon payment at the five-year mark. The loan was then folded into an investment block of mortgages and reassigned twice before finding its permanent home at WestLand Financial, a subsidiary of WestLand National, the Los Angeles-based bank headquartered in Sherman Oaks.
All was well and good for the family of three until Jeff Trammel decided he didn’t want to be a husband and father anymore. A few months before the $750,000 note on the house was due, Jeff took off, leaving his BMW M3 demo in the parking lot at Union Station and Lisa holding the balloon.
Down to a single income and a child to care for, Lisa looked at the reality of her situation and made choices. By now the economy had stalled out like a plane lumbering into the sky without enough airspeed. Given her teacher’s income, no institution was going to refinance the balloon. She stopped making payments on the loan and ignored all communications from the bank. When the note came due, the property went into foreclosure and that was when I came onto the scene. I sent Jeff and Lisa a letter, not realizing Jeff was no longer in the picture.
Lisa answered it.
I define a nuisance client as one who does not understand the bounds of our relationship, even after I clearly and sometimes repeatedly delineate them. Lisa came to me with her first notice of foreclosure. I took the case and told her to sit back and wait while I went to work. But Lisa couldn’t sit back. She couldn’t wait. She called me every day. After I filed a lawsuit putting the foreclosure before a judge, she showed up at court for routine filings and continuances. She had to be there and she had to know every move I made, see every letter I sent and be summarized on every call I received. She often called me and yelled when she perceived that I was not giving her case my fullest attention. I began to understand why her husband had hightailed it. He had to get away from her.
I began to wonder about Lisa’s mental health and suspected a bipolar affliction. The incessant calls and activities were cyclical. There were weeks when I heard nothing, alternating with weeks where she would call daily and repeatedly until she got me on the line.
Three months into the case she told me she had lost her job with the L.A. County School District because of unexcused absences. It was then that she talked about seeking damages from the bank that was foreclosing on her home. A sense of entitlement moved into the discourse. The bank was responsible for everything: the abandonment by her husband, the loss of her job, the taking of her home.
I made a mistake in revealing to her some of my case intelligence and strategy. I did it to appease her, to get her off the line. Our examination of the loan record had turned up inconsistencies and issues in the mortgage’s repeated reassignment to various holding companies. There were indications of fraud that I thought I could use to swing leverage to Lisa’s side when it came time to negotiate an out.
But the information only galvanized Lisa’s belief in her victimization at the hands of the bank. Never did she acknowledge the fact that she had signed for a loan and was obliged to repay it. She saw the bank only as the source of her woes.
The first thing she did was register a website. She used www.californiaforeclosurefighters.com to launch an organization called Foreclosure Litigants Against Greed. It worked better as an acronym-FLAG-and she effectively made use of the American flag on her protest signs. The message being that fighting foreclosure was as American as apple pie.
She then took to marching in front of WestLand’s corporate headquarters on Ventura Boulevard. Sometimes by herself, sometimes with her young son, and sometimes with people she had attracted to the cause. She carried signs that decried the bank’s involvement in illegal foreclosures and in putting families out of their homes and onto the streets.
Lisa was quick to alert local media outlets to her activities. She got on TV repeatedly and was always ready with a sound bite that gave voice to people in her situation, casting them as victims of the foreclosure epidemic, not garden-variety deadbeats. I had noticed that on Channel 5 she had even become part of the stock footage thrown up on the screen whenever there was an update on nationwide foreclosure issues or statistics. California was the third leading state in the country for foreclosures and Los Angeles was the hotbed. As these facts were reported, there would be Lisa and her group on the screen carrying their signs-DON’T TAKE MY HOME! STOP ILLEGAL FORECLOSURE NOW!
Alleging that her protests were illegal gatherings that impeded traffic and endangered pedestrians, WestLand sought and received a restraining order that kept Lisa one hundred yards from any bank facility and its employees. Undaunted, she took her signs and her fellow protestors to the county courthouse, where foreclosures were fought every day.
Mitchell Bondurant was a senior vice president at WestLand. He headed up the mortgage loan division. His name was on the loan documents relating to Lisa Trammel’s house. As such his name was on all of my filings. I had also written him a letter, outlining what I described as indications of fraudulent practices by the foreclosure mill WestLand had contracted with to carry out the dirty work of taking the homes and other properties of their default customers.