Colonial Mortgage v. Washington

Case Date: 08/02/1999
Court: United States Court of Appeals
Docket No: 98-2273

United States Court of Appeals
For the First Circuit



No. 98-2273

IN RE: COLONIAL MORTGAGE BANKERS CORPORATION,

Debtor.
__________

CREFISA INCORPORATED,

Plaintiff, Appellee,

v.

WASHINGTON MUTUAL BANK, F.A.,

Defendant, Appellant.
__________

HANS LOPEZ-STUBBE, TRUSTEE,

Appellant.



APPEAL FROM THE UNITED STATES DISTRICT COURT

FOR THE DISTRICT OF PUERTO RICO

[Hon. Carmen Consuelo Cerezo, U.S. District Judge]



Before

Selya, Boudin and Lipez,

Circuit Judges.



Ivan R. Fernandez-Vallejo with whom Rodriguez & Fernandez,
Jorge Souss and Goldman Antonetti & Cordova, P.S.C. were on brief
for appellants.
Luis R. Montanez-Aviles with whom Montanez & Alicea Law
Offices was on brief for appellee.




August 2, 1999



BOUDIN, Circuit Judge. This appeal is taken from a
decision of the United States District Court for the District of
Puerto Rico reversing a decision of the federal bankruptcy court.
In substance, the district court sustained a claim by Crefisa,
Inc., requiring the bankruptcy trustee of Colonial Mortgage Bankers
Corporation ("Colonial") to pay over approximately $557,000
comprising security for a note held by Crefisa. The background
events are somewhat complicated.
In the 1980s, Colonial was engaged in the business of
servicing mortgages. One of its clients was the Bowery Savings
Bank ("Bowery") (Washington Mutual Bank has now been substituted
for Bowery but it simplifies matters to refer only to Bowery). By
agreement, Colonial collected mortgage payments due to Bowery and
deposited them into Colonial accounts--in trust for Bowery--in two
different Puerto Rico banks: Financiero and Banco Santander. The
president of Colonial was Milton J. R