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please the court Leslie Im conklin for the homeowners Stephen and Esperanza Dadas this case come to you on a final judgment from a second motion for summary judgment followed by achieve a credit union this case was initiated December 14 2011 on a complaint to foreclose mortgage and in the complaint of course they alleged all conditions preceding were complied with and they were actually by the time the second motion for summary judgment traveling on an amended complaint comenda complaint had for exhibits attached to it the note a forbearance agreement the mortgage which was a standard Fannie Mae Freddie Mac which included a paragraph 22 and correspondents from achieva to the had Addisons dated October 19 2011 I think its evident to the court that that letter did not comport with paragraph 22 know where it did provide for Kieran I always called that notes under paragraph 22 the notice of default and 30-day opportunity to cure because thats the two parts tell the people so they can
