CYPHER v. J.V. MANUFACTURING CO., INC.

This case involved a dispute between Cypher and mortgage servicing companies Select Portfolio Servicing, Inc. and Federal Home Loan Mortgage Corporation over a breach of contract related to mortgage terms and default notices. Cypher filed multiple claims against these companies, but the court dismissed most of them. The court threw out five of the six claims (Counts I, III, IV, V, and VI), finding they didn't have sufficient legal merit to proceed. However, the court allowed one claim to continue - Count II, which challenged whether the default notice the companies sent was adequate under the mortgage contract terms. The court's decision means the case will proceed, but only on the narrow issue of whether the mortgage companies properly notified Cypher of the default according to what the contract required. **What this means for workers:** While this case specifically deals with mortgage servicing rather than employment, it demonstrates an important principle that applies to all contracts, including employment agreements. When companies don't follow the specific procedures outlined in contracts - whether for default notices, termination procedures, or benefit claims - workers may have grounds to challenge those actions in court, even when other claims fail.