Federal National Mortgage Association v. Rego , 474 Mass. 329 ( 2016 )


Menu:
  • NOTICE: All slip opinions and orders are subject to formal
    revision and are superseded by the advance sheets and bound
    volumes of the Official Reports. If you find a typographical
    error or other formal error, please notify the Reporter of
    Decisions, Supreme Judicial Court, John Adams Courthouse, 1
    Pemberton Square, Suite 2500, Boston, MA, 02108-1750; (617) 557-
    1030; SJCReporter@sjc.state.ma.us
    SJC-11927
    FEDERAL NATIONAL MORTGAGE ASSOCIATION    vs.   EDWARD M. REGO &
    another.1
    Essex.    November 3, 2015. - May 24, 2016.
    Present:    Gants, C.J., Spina, Cordy, Botsford, Duffly, Lenk, &
    Hines, JJ.
    Summary Process, Appeal. Mortgage, Foreclosure. Real Property,
    Mortgage. Practice, Civil, Summary process, Counterclaim
    and cross-claim. Consumer Protection Act, Unfair act or
    practice. Housing Court, Jurisdiction. Jurisdiction,
    Housing Court.
    Summary Process. Complaint filed in the Northeast Division
    of the Housing Court Department on August 31, 2012.
    Motions for partial summary judgment were heard by Timothy
    F. Sullivan, J., and a motion to dismiss counterclaims was also
    heard by him.
    The Supreme Judicial Court on its own initiative
    transferred the case from the Appeals Court.
    Michael Weinhold for the defendants.
    Richard E. Briansky for the plaintiff.
    Thomas J. Santolucito & Danielle C. Gaudreau, for Real
    Estate Bar Association for Massachusetts, Inc., & another, amici
    curiae, submitted a brief.
    1
    Emanuela R. Rego.
    2
    Daniel Bahls & Amanda Winalski, for Community Legal Aid,
    amicus curiae, submitted a brief.
    DUFFLY, J.   The plaintiff, Federal National Mortgage
    Association (Fannie Mae), filed a complaint for summary process
    in the Housing Court to establish its right to possession of a
    house that had been owned by Edward M. Rego and Emanuela R. Rego
    (Regos) that Fannie Mae purchased at a foreclosure sale.    In
    response, the Regos argued that the foreclosure sale conducted
    by the bank that held the mortgage on the property, GMAC
    Mortgage, LLC (GMAC), was void because GMAC's attorneys had not
    been authorized by a prior writing to undertake the actions set
    forth in G. L. c. 244, § 14 (§ 14).   The Regos also asserted an
    equitable defense and counterclaims pursuant to G. L. c. 93A.       A
    Housing Court judge allowed Fannie Mae's motion for summary
    judgment "as to possession only," and scheduled a bench trial on
    the Regos' counterclaims under G. L. c. 93A.    Thereafter, Fannie
    Mae moved to dismiss the counterclaims for lack of subject
    matter jurisdiction; that motion was allowed.   Final judgment
    for possession entered in favor of Fannie Mae, and the Regos
    appealed.   We transferred the case to this court on our own
    motion.
    We are confronted with two issues in this appeal.2     First,
    2
    We reject as without merit the Regos' claim that the
    affidavit of sale submitted by Fannie Mae to establish its prima
    3
    we consider the meaning of the language in § 14, authorizing
    "the attorney duly authorized by a writing under seal" to
    perform acts required by the statutory power of sale.     We
    conclude that the expression is a term of art that refers to a
    person authorized by a power of attorney to act in the place of
    the person granting that power.     At the time the provision was
    enacted by amendment in 1906, the phrase "power of attorney" had
    the same meaning as a "power under seal."     Here, because no
    person purported to act under a power of attorney, but only as
    legal counsel acting on behalf of a client, the statutory
    language on which the Regos rely to challenge the validity of
    the foreclosure is inapplicable.     We conclude also that legal
    counsel may perform the acts at issue in this case without
    written authorization, as the "person acting in the name of such
    mortgagee."   G. L. c. 244, § 14.    The foreclosure therefore
    suffers no defect on the asserted ground that GMAC failed to
    provide such authorization to its attorneys.
    Second, we consider whether, in a postforeclosure summary
    facie case of possession did not comply with the requirement of
    G. L. c. 244, § 15, that "the attorney" must be "duly authorized
    by a writing" to sign and record the affidavit. Assuming
    without deciding that § 15 requires such written authorization,
    the record on appeal reflects that on November 28, 2011, GMAC
    provided written authorization to its attorney, who then was
    properly authorized to sign the affidavit of sale on April 24,
    2012, and record it on May 9, 2012. See Federal Nat'l Mtge.
    Ass'n v. Hendricks, 
    463 Mass. 635
    , 642 (2012) ("where the
    affidavit of sale . . . meets the particular requirements of
    § 15, a plaintiff has made a prima facie case").
    4
    process action, the Housing Court may consider defenses and
    counterclaims seeking relief pursuant to G. L. c. 93A, and
    conclude that the Housing Court has limited authorization to
    entertain such claims.     To the extent that the Regos appear to
    assert an equitable defense to the foreclosure sale and seek, in
    addition to damages, the relief of voiding the sale, the judge
    properly could have addressed those claims in the summary
    process action.   It is not apparent from the judge's decision
    that he considered these claims when deciding the parties' cross
    motions for summary judgment.     We therefore vacate the judgment
    and remand for further proceedings consistent with this opinion.
    Background.      The Regos purchased a house on Green Street in
    Billerica in 1976.    In 1995, they refinanced the home mortgage
    loan by borrowing $122,000 from Empire of America Realty Credit
    Corporation, and executed a promissory note and mortgage in its
    favor.   Empire of America Realty Credit Corporation assigned the
    mortgage to Wells Fargo Bank, and the following year, Wells
    Fargo Bank assigned the mortgage to GMAC Mortgage Corporation.
    Eventually, GMAC Mortgage Corporation assigned the mortgage to a
    related entity, GMAC, which ultimately foreclosed on the
    property.
    In 2008, GMAC notified the Regos by mail that they were in
    default under the terms of the mortgage loan because they had
    missed one monthly payment in the amount of $1,723.12, and that,
    5
    in addition, they owed $77.52 in late charges and $11.25 in
    fees.    In April, 2010, GMAC notified the Regos that they were
    eligible for the Federal Home Affordable Modification Program,
    12 U.S.C. § 5219 (HAMP), and offered modified terms of payment.3
    The Regos rejected the offer, explaining that they could not
    afford the modified terms and requesting a more affordable
    modification.    The next month, GMAC sent a second HAMP
    modification offer, proposing terms similar to the first offer,
    which the Regos also apparently rejected.    On March 15, 2011,
    GMAC notified the Regos that GMAC was now due a total of
    $35,803, including mortgage loan payments, late charges, and
    fees, and informed them that they had thirty days in which to
    cure the default.
    On May 4, 2011, the law firm of Orlans Moran, on behalf of
    its client, GMAC, sent the Regos a "Notice of Intention to
    Foreclose."    The notice was in letter form, on Orlans Moran
    letterhead, and was signed, "GMAC Mortgage, LLC, By its
    Attorneys, Orlans Moran PLLC."    Orlans Moran attached to the
    letter a copy of the mortgagee's notice of sale of real estate,
    which it published in the Billerica Minuteman on May 5, 12, and
    19, 2011.    The notice identified the property and contained
    information concerning a public auction to be held on May 27,
    3
    The proposed monthly payment amount in the modification
    offer was $1,240.84.
    6
    2011.    The following information was set forth at the end of the
    notice of sale:    "GMAC Mortgage, LLC, Present Holder of said
    Mortgage, By its Attorneys, Orlans Moran PLLC."
    On May 23, 2011, the Regos sent GMAC a facsimile
    transmission requesting a "negotiated pay-off" to avoid the
    pending foreclosure, scheduled for May 27, 2011.    The Regos
    explained that they were attempting to obtain a reverse mortgage
    loan, but that the new loan amount would still leave them
    $10,000 short of the pay-off amount.    They asked GMAC for
    "compassion" in negotiating a pay-off agreement to help them
    stay in their home.    On May 25, 2011, GMAC acknowledged the
    Regos' request, informed them that the request was being
    processed, and stated that GMAC would not "conduct a foreclosure
    sale" while the request was under review.    The next day, GMAC
    denied the loan modification request.    GMAC proceeded with the
    foreclosure auction the following day, where it was the highest
    bidder.   GMAC eventually assigned its bid to Fannie Mae, and
    executed a foreclosure deed.4
    Fannie Mae served the Regos with a notice to quit and
    subsequently filed a summary process complaint for possession.
    This litigation followed.
    Discussion.   We review a decision on a motion for summary
    4
    The foreclosure deed, assignment of bid, and affidavit of
    sale were recorded in the Middlesex North registry of deeds on
    May 9, 2012.
    7
    judgment de novo.     Pinti v. Emigrant Mtge. Co., 
    472 Mass. 226
    ,
    231 (2015).   Summary judgment is appropriate where there are no
    material facts in dispute and the moving party is entitled to
    judgment as a matter of law.    
    Id. 1. Whether
    GMAC's attorneys had authority to act under
    G. L. c. 244, § 14.    General Laws c. 244, § 14, is one of the
    principal statutory provisions regulating foreclosures conducted
    under the statutory power of sale.5    See U.S Bank Nat'l Ass'n v.
    Ibanez, 
    458 Mass. 637
    , 647-648 (2011).    That section provides in
    part:
    "The mortgagee or person having estate in the land
    mortgaged, or a person authorized by the power of sale, or
    the attorney duly authorized by a writing under seal or the
    legal guardian or conservator of such mortgagee or person
    acting in the name of such mortgagee or person, may, upon
    breach of condition and without action, perform all acts
    authorized or required by the power of sale . . ."
    (emphasis added).
    G. L. c. 244, § 14.    The statute further provides "that no sale
    under such power shall be effectual to foreclose a mortgage,
    unless, previous to such sale, notice of the sale has been
    published once in each of [three] successive weeks . . . and
    5
    The requirements for a "statutory power of sale," set
    forth in G. L. c. 183, § 21, provide that "if a mortgage
    provides for a power of sale, the mortgagee, in exercising the
    power, may foreclose without obtaining prior judicial
    authorization 'upon any default in the performance or
    observance' of the mortgage, . . . including, of course,
    nonpayment of the underlying mortgage note." See Eaton v.
    Federal Nat'l Mtge. Ass'n, 
    462 Mass. 569
    , 579-580 (2012),
    quoting G. L. c. 183, § 21.
    8
    notice of the sale has been sent by registered mail."    
    Id. These requirements,
    establishing those who are entitled to
    foreclose and the notices that must be given, "must be strictly
    adhered to."   U.S Bank Nat'l Ass'n v. Ibanez, supra at 647.
    The Regos argue that the provision requires prior written
    authorization from a mortgagee before its attorney may perform
    the statutory acts necessary to conduct a foreclosure sale.     In
    their view, the foreclosure conducted by GMAC was defective
    because GMAC had not provided the requisite written
    authorization before its attorneys published and mailed the
    notices required by § 14.6
    Whether § 14 requires a mortgagee to provide written
    authorization to its attorney to perform the acts required by
    the statute is a question of statutory interpretation.   When the
    meaning of a statute is not clear from its plain language, well-
    established principles of statutory construction guide our
    interpretation.   See DiFiore v. American Airlines, Inc., 
    454 Mass. 486
    , 490 (2009).   We seek to "ascertain the intent of a
    statute from all its parts and from the subject matter to which
    6
    Neither party claims that written authorization must be
    "under seal" as required by the statute, G. L. c. 244, § 14.
    This is likely a consequence of the Legislature's nullification
    of the seal requirement for all instruments relating to an
    interest in land. See G. L. c. 183, § 1A, inserted by St. 1977,
    c. 152. As we explain, infra, the statutory language requiring
    a "writing under seal," G. L. c. 244, § 14, remains relevant to
    our interpretation of the statutory language used by the
    Legislature at the time the provision was enacted.
    9
    it relates, and must interpret the statute so as to render the
    legislation effective, consonant with sound reason and common
    sense."   Seideman v. Newton, 
    452 Mass. 472
    , 477 (2008).
    "Statutes are to be interpreted, not alone according to their
    simple, literal or strict verbal meaning, but in connection with
    their development, their progression through the legislative
    body, the history of the times, [and] prior legislation . . . .
    General expressions may be restrained by relevant circumstances
    showing a legislative intent that they be narrowed and used in a
    particular sense" (citation omitted).   Sullivan v. Chief Justice
    for Admin. & Mgt. of the Trial Court, 
    448 Mass. 15
    , 24 (2006).
    We bear in mind that "[w]ords that are not defined in a statute
    should be given their usual and accepted meanings," Seideman,
    supra at 477-478, which we derive "from sources presumably known
    to the statute's enactors, such as their use in other legal
    contexts and dictionary definitions."   Seideman, supra at 478,
    quoting Commonwealth v. Zone Book, Inc., 
    372 Mass. 366
    , 369
    (1977).
    The statutory language providing that "the attorney duly
    authorized by a writing under seal" may perform the acts
    authorized by the power of sale was added by amendment in 1906.
    See St. 1906, c. 219, § 1.   Thus, we first must determine the
    usual and accepted meaning of the statutory language from
    sources that likely were known to the Legislature at that time.
    10
    See Seideman v. Newton, supra at 477-478.
    The word "attorney" is not defined anywhere in G. L.
    c. 244, the chapter of the General Laws governing the
    foreclosure and redemption of mortgages.    The first edition of
    Black's Law Dictionary defines an attorney as follows:    "In the
    most general sense this term denotes an agent or substitute, or
    one who is appointed and authorized to act in the place of
    another. . . .   Attorneys in the modern use, are of two sorts,
    attorneys at law and attorneys in fact . . . ."    Black's Law
    Dictionary 104 (1891).   Describing the "two sorts" of attorneys,
    the first and second editions of Black's Law Dictionary state
    that an "attorney at law" is an "advocate, counsel, official
    agent employed in preparing, managing, and trying cases in the
    courts," and an "officer in a court of justice, who is employed
    by a party in a cause to manage the same for him." See id.;
    Black's Law Dictionary 104 (2d ed. 1910).    By contrast, an
    "attorney in fact" is defined as a "private attorney authorized
    by another to act in his place and stead, either for some
    particular purpose, as to do a particular act, or for the
    transaction of business in general, not of a legal character.
    This authority is conferred by an instrument in writing, called
    a 'letter of attorney,' or more commonly a 'power of attorney.'"
    Black's Law Dictionary 105 (1891).   Black's Law Dictionary 103
    (2d ed. 1910).   Cases from this era also draw a distinction
    11
    between the two types of attorneys.   See, e.g., Smith v. Abbott,
    
    221 Mass. 326
    , 329-330 (1915) (discussing differing roles of
    individual retained as "counsel" to bring ejectment action, and
    another individual authorized by "power of attorney under seal"
    to "manage and convey property").7
    Whether § 14 refers to an attorney in fact or to an
    attorney at law requires that we consider the remaining words in
    the statutory provision.    The provision makes specific reference
    not merely to an attorney, but to "the attorney duly authorized
    by a writing under seal."   Legal treatises from the period
    support the view that, at the turn of the Twentieth Century, the
    phrase "duly authorized by a writing under seal" referred to a
    person authorized to act by a power of attorney.   As one
    commentator stated, "[t]he expression 'power of attorney,' in a
    strict sense, implies a power under seal."   Crocker's Notes on
    Common Forms 417 (5th ed. 1913), citing Cutler v. Haven, 
    8 Pick. 490
    (1829).   See J. Story, Commentaries on the Law of Agency 77
    (8th ed. 1874) ("In regard to both a general and to a special
    express authority [conferred on an agent], it may be conferred
    by a formal instrument, as by a letter under seal . . .").     In
    light of the above, we conclude that to the legislators enacting
    7
    A commentator from this era also stated that the class of
    attorneys "is divisible into two kinds, differing very widely in
    their rights, duties, obligations, and responsibilities: (1.)
    Attorneys in law; (2.) Attorneys in fact." J. Story,
    Commentaries on Agency Law 20 (8th ed. 1874).
    12
    the 1906 amendment, the phrase "the attorney duly authorized by
    a writing under seal" meant the person authorized by a power of
    attorney, also known as an attorney in fact; it is not a
    reference to legal counsel (the attorney at law).
    The remaining language that was also added to § 14 as part
    of the 1906 amendment confirms this understanding.     Prior to the
    amendment, the statute authorized three categories of persons to
    perform the acts required by the power of sale, including the
    mortgagee.8    St. 1906, c. 219, § 1.   In 1906, the Legislature
    added four additional categories of potential actors:     an
    "attorney duly authorized by a writing under seal," the "legal
    guardian [of such mortgagee]," the "conservator of such
    mortgagee," and a "person acting in the name of such mortgagee
    or person."    
    Id. Like an
    attorney in fact, both a legal
    guardian and a conservator9 occupy a formal status conferred by
    law that permits each to act in the name of a principal, without
    8
    The other two categories were "the person who has his
    estate in the land mortgaged" and "a person authorized by the
    power of sale." See St. 1906, c. 219, § 1.
    9
    In 1891, Black's Law Dictionary defined a guardian as
    "a person lawfully invested with the power, and charged
    with the duty, of taking care of the person and managing
    the property and rights of another person, who, for some
    peculiarity of status, or defect in age, understanding, or
    self-control, is considered incapable of ministering his
    own affairs."
    Black's Law Dictionary 551 (1891). A conservator was defined as
    "a guardian, protector, or preserver." 
    Id. at 255.
                                                                       13
    seeking authorization from the principal.    See, e.g., Johnson v.
    Kindred Healthcare, Inc., 
    466 Mass. 779
    , 785-787 (2014)
    (analyzing current statutory scheme granting "broad[] decision-
    making authority" to "attorneys in fact, guardians, and
    conservators").
    The similar status afforded an attorney in fact, a legal
    guardian, and a conservator supports our determination that "the
    attorney duly authorized by a writing under seal" means an
    attorney in fact.   See Yates v. United States, 
    135 S. Ct. 1074
    ,
    1085 (2015) ("we rely on the principle of nosciutur a sociis --
    a word is known by the company it keeps").   We conclude that, by
    adding this statutory language, the Legislature intended to
    authorize an attorney in fact to perform the acts of providing
    notice of a foreclosure sale required by § 14, and did not
    intend to require the mortgagee to issue written authorization
    to its legal counsel before counsel may perform such acts on the
    mortgagee's behalf.
    Finally, we reject the Regos' argument that, by enacting
    the 1906 amendment, the Legislature sought to overrule Cranston
    v. Crane, 
    97 Mass. 459
    , 464 (1867) (Cranston), which held that a
    mortgagee may authorize another to perform acts required by the
    power of sale without granting "authority under seal," otherwise
    known as the power of attorney.   The Regos contend that the
    Legislature intended to require an attorney to obtain prior
    14
    written authorization in order to abrogate our holding in
    Cranston.   The Regos' interpretation of the statute simply
    cannot be squared with the meaning of the words employed by the
    Legislature when the amendment was enacted, and there is no
    other basis on which to conclude that the Legislature sought to
    overrule Cranston forty years later by requiring a mortgagee to
    provide written authorization to permit its legal counsel to act
    on its behalf.
    The argument advanced by the Regos also ignores the fourth
    category of persons authorized to act by the 1906 amendment, the
    "person acting in the name of such mortgagee."    See
    G. L. c. 244, § 14.    The inclusion of this provision in the 1906
    amendment likely reflects the Legislature's intent to preserve
    the long-standing practice that a mortgagee may delegate its
    authority to perform the acts required by the power of sale.
    See Fairhaven Sav. Bank v. Callahan, 
    391 Mass. 1011
    , 1012
    (1984); Brown v. Wentworth, 
    181 Mass. 49
    , 52 (1902) (relying on
    Cranston, supra at 464, for proposition that mortgagee "put the
    foreclosure into professional hands, and relied upon those whom
    he employed to see that all the proper steps were taken").
    Therefore, just as the mortgagee may direct its agent to perform
    the acts required by the power of sale, the mortgagee may
    instruct its legal counsel to undertake such acts "in the name
    of [the] mortgagee."    See G. L. c. 244, § 14.   Because the
    15
    attorneys at Orlans Moran, acting on behalf of GMAC, published
    and mailed the notices at the direction of GMAC, the foreclosure
    suffers no defect on this ground.
    2.   Housing Court's jurisdiction to resolve G. L. c. 93A
    counterclaims.   The Regos asserted an equitable defense in
    answer to Fannie Mae's complaint, and filed counterclaims for
    violations of G. L. c. 93A.   In addition to claims based on
    asserted violations related to the statutory power of sale, the
    Regos claimed that GMAC engaged in unfair or deceptive practices
    when it charged them excessive late fees on multiple occasions
    during a single month, in violation of the terms of the mortgage
    note, and when it sent them deceptive notices concerning their
    eligibility for loan modification in the days leading up to the
    foreclosure.10
    As stated, after granting summary judgment in favor of
    Fannie Mae "as to possession only," the judge scheduled trial on
    the Regos' counterclaims.   Fannie Mae then moved to dismiss the
    counterclaims for lack of "subject matter jurisdiction."11     At
    the first of two hearings on this motion, Fannie Mae contended
    10
    The Regos also asserted in their answer that GMAC
    committed a breach of the implied covenant of good faith and
    fair dealing in the mortgage note.
    11
    Fannie Mae's motion to dismiss for lack of jurisdiction
    was also, in the alternative, a request for clarification
    regarding "which components of the Defendants' [G. L.] c. 93A
    Claim remain at issue in this action."
    16
    that, because the counterclaims sought only damages under G. L.
    c. 93A related to loss of possession, and GMAC had prevailed on
    the question of possession, the Housing Court "no longer had
    jurisdiction" to hear the G. L. c. 93A claim.   The Regos argued
    that, based on Bank of Am., N.A. v. Rosa, 
    466 Mass. 613
    , 615
    (2013) (Rosa), their claims of wrongful or deceptive conduct
    established an equitable challenge to the foreclosure sale that
    would entitle them to postforeclosure relief of setting aside
    the foreclosure sale if they prevailed.   The judge dismissed the
    counterclaims without setting forth the basis of his ruling.    He
    then scheduled a second hearing on the question whether he could
    proceed to trial on the counterclaims under G. L. c. 93A,
    inviting the parties to further discuss the impact of our
    decision in Rosa.   Fannie Mae argued that, under Rosa, the
    Housing Court had "limited jurisdiction" and could not entertain
    the claim under G. L. c. 93A where the judge had ruled that it
    was entitled to possession.   The judge allowed Fannie Mae's
    motion to dismiss, and final judgment entered in favor of Fannie
    Mae on its claim for possession.
    We observe first that, as a jurisdictional matter, the
    Housing Court has broad authority to resolve civil claims and
    counterclaims that relate "directly or indirectly" to "the
    health, safety, or welfare, of any occupant of any place
    used . . . as a place of human habitation," as well as the
    17
    authority to resolve all "housing problems, including all
    contract and tort actions which affect the health, safety and
    welfare of the occupants or owners" of such housing.
    G. L. c. 185C, § 3.   See LeBlanc v. Sherwin Williams Co., 
    406 Mass. 888
    , 894 (1990).   See also Rosa, supra at 621-625
    (discussing historical development resulting in expanded
    jurisdiction of Housing Court).   Therefore, under G. L. c. 185C,
    § 3, the Housing Court has jurisdiction to adjudicate a claim
    brought under G. L. c. 93A alleging, for instance, an unfair or
    deceptive act or practice related to the sale or rental of
    housing, and may award equitable or monetary relief.
    The Housing Court also has jurisdiction to hear summary
    process complaints, in which the owner of a housing unit seeks
    to evict the occupant of that unit and recover possession.     See
    G. L. c. 185C, § 3; G. L. c. 239, § 1.   In summary process
    cases, the occupant facing eviction may bring a defense or
    counterclaim that the owner of the property has committed a
    breach of warranty, a breach of any material provision of the
    rental agreement, or a "violation of any other law."   G. L.
    c. 239, § 8A.   When the summary process action follows a
    foreclosure on the property, the foreclosed occupant facing
    eviction may assert that the power of sale was not strictly
    complied with and that the foreclosure is therefore void,
    entitling the occupant to possession.    See Bank of N.Y. v.
    18
    Bailey, 
    460 Mass. 327
    , 334 (2011).   The occupant also may assert
    other affirmative defenses or counterclaims, such as those based
    on violations of G. L. c. 93A or G. L. c. 151B, and may seek
    possession, monetary damages, or other equitable relief.    See
    Rosa, supra at 625 (counterclaim for unlawful discrimination may
    be decided in postforeclosure summary process action where it
    "could vitiate the title, or possession").   Where the
    affirmative defenses or counterclaims challenge the right to
    possession, the judge must resolve those claims as part of the
    summary process action.   
    Id. at 624-625.
    But it is also the case that where a judge determines that
    an occupant's defenses or counterclaims do not affect the right
    to possession, the judge may sever the counterclaims and proceed
    to determine possession in the summary process action.    See
    Commentary to Rule 5 of the Uniform Summary Process Rules, Mass.
    Ann. Laws Court Rules, at 801 (LexisNexis 2015-2016) ("the court
    retains discretion to sever a counterclaim which cannot
    appropriately be heard as part of the summary process action").
    Thereafter, pursuant to the Housing Court's general jurisdiction
    under G. L. c. 185C, § 3, the judge may in a separate proceeding
    determine whether the occupant is entitled to monetary damages,
    other forms of equitable relief, or attorney's fees.12    This
    12
    If, on the other hand, a judge determines that the
    Housing Court lacks jurisdiction over a counterclaim under G. L.
    19
    approach conserves judicial resources because the Housing Court
    judge already will be familiar with the issues presented; it
    also reduces further expenditure of resources by a summary
    process defendant, who otherwise would be required to file a
    separate action in another court, thereby "promot[ing] the
    legislative goal of 'just, speedy, and inexpensive' resolution
    of summary process cases."   See Bank of N.Y. v. Bailey, supra
    at 334, quoting Rule 1 of the Uniform Rules of Summary Process.
    Here, the Regos followed the correct procedure in asserting
    their equitable defense and G. L. c. 93A counterclaims in their
    answer to Fannie Mae's complaint.   Contrast U.S. Bank Nat'l
    Ass'n v. Schumacher, 
    467 Mass. 421
    , 422 n.4 (2014).   But we are
    unable to ascertain on this record whether, in the context of
    the summary process action, the judge determined that the Regos=
    G. L. c. 93A counterclaims and defenses did not entitle them to
    equitable relief affecting the right to possession, or whether
    he intended to consider that form of equitable relief, along
    with all other potential forms of equitable and monetary relief,
    in the separate proceeding but erroneously concluded that he
    lacked jurisdiction to do so.
    c. 185C, § 3, the judge may dismiss the counterclaim or,
    alternatively, ask the Chief Justice of the Trial Court Ato
    transfer the case, or the judge, or both, to the appropriate
    department of the Trial Court." Konstantopoulos v. Whately, 
    384 Mass. 123
    , 129 (1981). See Skawski v. Greenfield Investors
    Prop. Dev. LLC, 
    473 Mass. 580
    , 592 (2016).
    20
    Conclusion.   The order dismissing the defendants'
    counterclaims is reversed, and the decision allowing the
    plaintiff's motion for summary judgment is vacated.   The matter
    is remanded to the Housing Court for further proceedings
    consistent with this opinion.
    So ordered.