Robin E. Schmidt, a.k.a. Robin E. Tripaldi - Page 4




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          Ventura County.  After a few days at the hotel, they moved back             
          to the condominium.  When petitioner returned to the condominium,           
          she found the place in disarray.  Visible cracks in the walls               
          allowed sunlight to shine into the interior of the condominium              
          and the front door could not be closed.  In May 1994, petitioner,           
          her children, and Mr. Tripaldi moved into a single-family home in           
          Woodland Hills (the home) about 1 mile away.  After May 1994,               
          petitioner did not make any payments on the mortgage obligation             
          underlying the condominium.  Petitioner received a letter from              
          CenFen Bank (CenFen), dated August 18, 1995, informing her that             
          her account “is seriously delinquent, and subject to immediate              
          foreclosure.”  In a letter dated October 2, 1995, petitioner                
          filed a “hardship request” to postpone the foreclosure proceeding           
          on her condominium.  On March 26, 1996, a Notice of Default and             
          Election to Sell Under Deed of Trust was filed against the                  
          condominium, and foreclosure was completed on December 6, 1996.             
               After petitioner, her children, and Mr. Tripaldi moved to              
          their new home, petitioner attempted to rent the condominium but            
          was not able to find a tenant until November of 1994.                       
               Before the Northridge earthquake, on June 30, 1993,                    
          petitioner quitclaimed 50-percent ownership of the condominium to           
          Mr. Tripaldi.  On August 29, 1994, Mr. Tripaldi quitclaimed his             
          ownership interest in the condominium back to petitioner.                   
          According to testimony at trial, petitioner and Mr. Tripaldi                






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