Ms. Mishel Matters

Another book written by a ghost writer was in the works. 🤣 #kouririchins #kouririchinstrial #truecrime #truecrimecommunity

3 days ago | [YT] | 0

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Ms. Mishel Matters

She strikes again. Run victims, run! #hiddentruecrime #laurenmatthias #hiddengems #truecrime #truecrimecommunity #abuseofcourts #kouririchins #kouririchinstrial

1 week ago | [YT] | 0

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Ms. Mishel Matters

This guy is hilarious! 🤣
#lauraowens #lauramichelleowens #fraud #truecrime #truecrimecommunity

2 weeks ago | [YT] | 0

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Ms. Mishel Matters

#lauraowens #lauramichelleowens #justiceforclayton #truecrime #truecrimecommunity

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Ms. Mishel Matters

MAJOR UPDATE: The $1.6M Owens Scottsdale Home is in Foreclosure - Auction Date Set for May 2026

**Documents:**

* [Owens Notice of Trustee Sale](victimsoflauraowens.com/wp-content/uploads/2026/02…) (February 19, 2026)
* [Owens Substitution of Trustee](victimsoflauraowens.com/wp-content/uploads/2026/02…) (February 13, 2026)

If you thought the $51k JP Morgan Chase lawsuit against Ronn was bad, this is the final boss.

The bank (U.S. Bank Trust/COLT 2024-3) has officially moved to **foreclose** on the Scottsdale property. Here's a breakdown of the key details from the Notice of Trustee's Sale:

# 📍 The Basics:

* **The Property:** The family home/investment (casita included) in Scottsdale, AZ (85254).
* **The Auction:** Scheduled for **May 26, 2026, at 10:00 AM** on the steps of the Superior Court building in Phoenix.
* **The Debt:** The original principal balance was **$1,600,000.00**.

# 👥 Who is on the Hook?

The "Trustors" (the people who signed the deed) are listed as:

1. **Ronald Owens & Elizabeth Naylor** (Jan Black Owens)
2. **Christian Navarro & Sarah Owens Navarro**

This confirms that Sarah and her husband are legally tied to this $1.6M debt alongside Ronn and Jan.

# 🔍 Key Takeaways:

* **The Timeline:** This Trust Deed was only recorded on **April 26, 2024**. They haven't even had this specific loan for two years and it’s already headed for the auction block.
* **The "Point of No Return":** In Arizona, a Trustee Sale is **non-judicial**. This means the bank doesn't have to sue them to take the house. Per the notice, they have until **5:00 PM on May 25, 2026**, to get a court order to stop the sale. If they don't, the house is gone.
* **"As-Is" Condition:** The bank is selling this without any warranties. They just want their money back.

# 🧐 Important Tidbits

* **The "Rule 65" Ticking Clock:** The notice mentions **Arizona Rule of Civil Procedure 65**, which is the "break glass in case of emergency" rule. To stop this sale, they have to sue the bank and get a **Temporary Restraining Order (TRO)** before 5:00 PM on May 25.
* **The Catch:** Getting a TRO to stop a foreclosure is notoriously difficult. A judge won't grant one just because it’s "sad"—the family would have to prove a "strong likelihood of success" on a legal claim, like proving the bank made a **massive accounting error** or that the foreclosure is literally illegal. In Arizona, if you don't get this order, you waive your right to challenge the sale later.
* **The "COLT 2024-3" Connection (The High-Risk Loan):** The "Beneficiary" is listed as **COLT 2024-3 Mortgage Loan Trust**. For those not in the mortgage world, "COLT" is a specific type of securitization for **Non-QM (Non-Qualified Mortgage)** loans**.**
* **What that means:** These aren't your typical 30-year fixed loans from a local credit union. They are often "Investor" or "Debt Service" loans used by people who don't have traditional W-2 income (like self-employed individuals or high-net-worth investors).
* **The Price tag:** These loans generally come with **much higher interest rates** and stricter terms because the bank sees them as higher risk. Having a $1.6M loan from a Non-QM trust go into default within two years of signing tells a very specific story about the family's cash-flow situation.

Thank you to the individuals who obtained these documents.

#ronaldowens #janblack #janowens
#lauraowens #lauramichelleowens #truecrime #truecrimecommunity #ronowens