Carmel Credit Union v. Bondeson

**Carmel Credit Union v. Bondeson: Court Rules on Notice Requirements** This case involved a dispute between Carmel Credit Union and a borrower named Bondeson over mortgage deficiency notices. When someone defaults on a mortgage and the property is sold for less than what's owed, the lender can sometimes pursue the borrower for the remaining debt. However, Massachusetts law requires lenders to send proper notice to borrowers about this potential liability. The key issue was whether the credit union had to prove the borrower actually received the required notice, or just that they sent it properly according to state law. Bondeson argued the credit union failed to meet its notification requirements. The court sided with the credit union, ruling that lenders only need to prove they sent the statutory notice in compliance with Massachusetts General Laws Chapter 244, Section 17B. They don't have to prove the borrower actually received it. **What this means for workers:** If you're facing mortgage deficiency claims, understand that lenders may not need to prove you received their notices - only that they sent them properly. Keep careful records of your address changes and mail delivery issues, as these could be important if you dispute whether proper notice was given.