Civil procedure -- Relief from judgment -- Void judgment -- Money judgment entered against judgment debtor was void where debtor was not afforded due process prior to entry of judgment -- Debtor did not “ratify” or otherwise concede the propriety…

Mortgage foreclosure -- Conditions precedent -- Federal HUD regulation requiring that mortgagee have face-to-face interview with mortgagor, or make a reasonable effort to arrange such a meeting -- Based on discrepancies in testimony of representative of process server for mortgagee…