United States Bankruptcy Court, M.D. Florida May 8, 2015, Case No. 8:11-bk-13090-MGW; Adv. No. 8:13-ap-00344-MGW (Welch v. Green Tree Servicing LLC (In re Runyan))

FINDINGS OF FACT AND CONCLUSIONS OF LAW

Michael G. Williamson, United States Bankruptcy Judge

After the Debtors defaulted on their mortgage, Green Tree Servicing LLC— the loan servicer on the Debtors’ mortgage — attempted to collect the outstanding balance by making collection calls and sending collection notices.