UNITED GUARANTY RESIDENTIAL INSURANCE COMPANY OF NORTH CAROLINA, Plaintiff-Appellee, v. William Halemano FREDERICK, Defendant-Appellant, and Green Tree Servicing LLC, Defendant-Appellee, and John Does 1-50; Jane Does 1-50; Doe Partnerships 1-50; Doe Corporations 1-50; Doe Entities 1-50; and Doe Governmental Units 1-50, Defendants