Newton et al v. Beneficial Financial I, Inc. et al, No. 3:2016cv00058 - Document 45 (W.D. Va. 2017)

Court Description: MEMORANDUM OPINION. Signed by District Judge Glen E. Conrad on 4/6/17. (hnw)
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I THE UNI N TED STATES DI STRI COURT CT FO R TH E W ESTERN DI STRI OF V I N I CT RGI A CHARLOTTESVI LLE DI SI VI ON CL S OFFI U.S. SX COUJF ERK' CE DI ATRM NOKE, VA FI LD AFR pC 2 1 27 JUL BY; TON I W OO D SON N EW TON , e a . A t 1, Du L ct aax z CL ERK Pl i if , antf s Ci lAci n No. 1 vi to 3: 6CV00058 M EM O RANDUM OPI ON NI BENEFI AL FI CI NANCI 1 I ,e a . AL , NC. t 1, By:Hon.Gl n E.Co a e m'd Chi Unie St t sDititJ ef t d a e src udge De e f ndant. s Toni W oods Ne on,M i ha lEa l W oods n,a Do l Le sW oods n,J .fld a on wt c e ry o nd nad wi o r ie t i a to a ans Be eiil Fia il 1 Ic (ç neiil' a Di c Fi n il LLC hs cin g i t n fca n nca , n . C fca' nd t h na ca, Be ) e (Di c '. Th c s i p e e ty b fr te c ur o t d fnd n s moin t ds s . Th ç t h' $ e ) e a e s r s nl e o e h o t n he ee a t' to s o imis e c thed a hea i o t m o i on M a c 31 201 Fort r as s tf t beow,t our l zng n he tons r h , 7. he e ons e orh l he m otonswilbede e i l ni d. 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Beneficial Financial I, Inc. et al Doc. 45 morgagel n (he( rtLoa ' fom Benei a M o t ge Compan ofVigi a f pr pe t t oa t ç s n' r Fi ) fcil rga y r ni or o ry lc td a 1 6 Re HilRo d i Go d ns il, r ii (heG o e t' Th Fis Lo n wa o ae t 9 7 d l a n r o v l Vign a t t p ry). e rt a s e pr e de e by a l n r pa e a s urt Ag ee e a s ur d by a de d of t s on t vi nc d oa e ym nt nd ec iy r m nt nd ec e e nlt he Pr p ly ( C rtDe do Tr s'. o e' t ç s e f u t) t he Fi ' Dockets.Justia.com On M a c 30,2006,M s W oods o ane ahom eeq t lneofc e tfom Be fc a rh . on bt i d uiy i r di r ne ii l Dic u t mpa yo Vigna(h ç n o Crdf) Th Li o Crdtwa s c rdb sc nd s o n Co n f r ii t e ç e f e i . e ne f e i s e u e y e o Li d e o tu to t ePr p ry(h G e o dDe do Tr s'. e d f r s n h o et t e s c n e f u t) s ' De e nt Be sca s e ded t t i e e t of Be fc a M orga Com pa of f nda ne il ucc e o he nt r ss ne i i l t ge ny Vigi a a Be fc a Di c unt Co ny. Se r l yea s lt r a or ng t t pli if , r ni nd ne i l s o mpa ve a r ae , cc di o he antfs Be nefc a ca e ld ordi c r d t Li ofCr di de . i l nc le s ha ge he ne e t bt Fo tx y a 201 Be eiilfld wi te I tr a Re e e S r ie (ç ' a F nn r a e r 2, n fca ie t h ne n l v nu e vc 6RS' o h I ) 1 9 - ( $ 0 - F r '.The1 9 - Fo t ld Q n elto o De t'lse Be fca 0 9 C t 1 99C o m' he 1 ) 0 9 C nn,i e s c lain f b ' itd neiil t ca ast c edt a M s W oods a t de t .2d Am . he r ior nd . on s he b or Compl Ex. Doc tN o.35- a 20.I . D, ke 1 t t alo r f r nce t a ot num be f t Li of Cr ta i ntfe t I ot ofDe s e e e d he cc mt r or he ne edi nd de iid he l Am mt bt Dic r ed'as$30,49. is Be iils n M s W oods aco oft 1 C Fo' The s ha g ' 7 87.l nefca e t . on py he 099- l m. f m ' pr - i e ç nsr to f De or'pr vi d,n pe tne tpa t a f l ' or s e prnt d ç tuci ns or bt , o de i ri n r, s olows l ' . Yo rc ie t i f r b c u e ...a a p ia l sn n ile t y ( ln e)ha u e ev d hs o m e a s n p lc be a ca ni a e d r s t d sh r e (a ee o f r i n a d b y u o d o b c us a i e tfa l ic a g d ç nc ld r o gve ) e t o we , r e a e n d niib e e ntha occ r e t tet ri ori de m e t be a dic r ofa de of$600 ve s u r d ha ihe s s e d o s ha ge bt orm o e I ac e t ha dic r ade you owe you a er uie t i ude r . f r dior s s ha ged bt d, r eq r d o ncl t dicha ge n he s r d mounti youri om e e n i i i l st n $600,on t Sot r n nc , ve f t s es ha he s he I m e' i ofyourFor 1 nco 'lne m 040. ' I Th plitfsalg ta t fln o t 1 99C Fo m s b e tdM s W o d o t a dto l d. e an if le e h t he iig f he 0 - r u j ce . o s n o d iina i om e t x la lt nc a i biiy. M s W oods di it t t o M a c 20,201 Prort he de t a r pr s nt tve of . on ed n esae n r h 5. i o r a h, e e e ai Be i i la s M s W oods n t ts di notne t ma a a tona pa nt on t nefc a dvied . o ha he d ed o ke ny ddii l yme s he Li ofCr di.Li wie f l ng M s W oods sde t a lnde r pr s nt tvead s d Toni ne e t ke s , olowi . on' a h, e r e e e ai vie a N e t t tno pa e sw e e r quie o t Li o Cr di. A r m d t s m e tm e, e fc a w on ha ym nt r e r d n he ne f e t ol he a i B ne i l de ed t pl i if 'r que tf ra o lofa s ts l oft Pr ry,ba e on t a s ri ni he antfs e s o ppr va hor a e he ope t s d he s e ton t tt r wa s fc e e t i t Pr ry t pa of t ba a e oft Fis Loa i f l ha he e s ufi i nt quiy n he ope t o y f he l nc he rt n n ul. The pl i if ma n a n t tBe tcalsposton on t r quese s r s l wasc it ntwih antf s i t i ha nei i ' ii he e t d ho t a e onsse t t i unde sa ngt tt Li ofCr di de ha be dic r by Be fc a . Ac di t her r tndi ha he ne e t bt d en s ha ged nei i l cor ng o t p an if,h Pr p ry wo dha eoh m ieb e çmd r tr'i i silC a be n s b e t he litfs te o et ul v t e s e n i e wae , f t tl G d e u j c t ' h t te le o b t t e Fis De d o Tr s a d t S c nd De d o Tr s ' 2 Am.Co .! o h in f oh h rt e f u t n he e o e f u t' d mpl 1( . 4 E) D e pie n e ous r que t f om t pl i if ,Be f c a ne rt k a ac i n t r l as s t um r e s s r he a ntf s ne i i l ve oo ny to o e e e t Sec De ofTr tle I t a Be fc a as i d is i e e ti t Li ofCr tt he ond ed us i n. nse d, ne i l sgne t ntr s n he ne edi o . Die h, The pl ntfs a lge t t i Be fc a ha c tc ai if le ha f ne ii l d ompled wih t r r que t, Dona d i t hei e ss l W oods woul ha be n a e t obt i a l n t ptr has t Pr pe t f r a a ot t t on d ve e bl o an oa o lc e he o ry o n m mt ha woul ha f l s tsi d t baa e of t Fis M o t e Loa Be a e t Pr pe d ve uly ai fe he lnc he rt rgag n. c us he o o r i d e umbe e by t Sec De d ofTr s le hew a una et do s emane nc r d he ond e u t in, s bl o o. The pl i if e n ualy f l i o a r a s on t Fis M o t ge Loa Be t il antfs ve t l e l nt re r he rt rga n. nek a a ntd Sur t Tr se ,LLC as s tt e tuse f t pu pos of i ta i f e l lr ppoi e e y u tes ubsiut r t e or he r e niitng or c osze pr e ngs On M a 11 201 t 1w 511 ofM c oce di . y , 6, he a .1 1 cabe, es r & Conwa LLC no ii d t W ibe g y, tfe he pl i if ,o be l ofBe fcil t tt orgi lde ti tum e c d no be pr antfs n haf ne i a , ha he i na b nsl nt oul t oduce t t d, ha Sur t Tr t e ,LLC had be a nt d t c e y use s en ppoi e o onduc a f r c os e s e a t t i f t n t o e l ur al, nd ha, n ouree da ,Be fc a woul >s t tuse t pr e wih t s l oft Pr ry. ys ne ii l d k he r t e o oce d t he ae he ope t The f e os e s l wa s he ed t be c or cl ur ae s c dul o onduc e o J y 1 201 a 2: 5 p. . On t d n ul 2, 6 t 1 m J y 1 201 t pl ntfs fl d s ta i tBe fcala Diec i t Cic tCour f t ul , 6, he ai if ie ui gans ne i i nd t h n he r ui t or he Co y o Lo s Folo i a c e t d e e ge y he rng, t Cic t Cour i s d an unt f ui a. l w ng ont s e m r nc ai he r ui t s ue ijmci a i tt f ecos es l nt ton gans he or l ur ae. Thec ewa r m ove t t sc ton Augus 5,2016.On J nua y 6,201 t pl n if as s e d o hi our t a r 7, he aitf s f l a s co n e d co pl i c a ni sx c m t . The fr t f l c ied e nd m nde m a nt ont i ng i ot s i s otr ount a e pr m i e o s r e sd n t as e to t t Be f c alc nc le t Li of Cr di de ,a t t tt pl i i f w e e he s ri n ha ne i i a e l d he ne e t bt nd hus ha he a ntf s r a a e e il d t a r las oft Se ond De d ofTr tlen. I Co tOne t pli if s e nd r ntte o ee e he c e us i n un , he antfs e k t ç e tte'a i tt Se ond De ofTnzt d.a 5, l Cot Tw o, he pli if s ek S n o l t il' gans he c qui ed s.I t n mt t a ntfs e ç a or f r m o loft le oft Sec Dee ofTr t a f a t ne s f e ,'pur ua t der or e va he in he ond d us, nd or tor y' e s' s nt o Vigni Co e j 5 - 6. l Co n Tl e ,t e plitfs a s r a cam f r d ma e a an t ri a d 5 6 5. n u t l e h anif se t li o a g s g i s r Be fcilf r f sng t r m o t Se ond De ofTr s le fom t publc lnd r or . I ne i a or e u i o e ve he c ed u t in r he i a ec ds n ComtFo r tepanif s e ad caao yj d me tta Be fca i no e t ldt f rco e t u ,h litfs e k e lrtr u g n h t nei il s t ni e o o e ls t on t Pr pe t unl sa untlt Se ond De d ofTr tle i r moved. he o ry es nd i he c e us in s e The s ond a e d co pl nt alo c t ns t count t t a e no ba e on t ec m nde m ai s on ai wo s ha r t s d he as e ton t tt Li ofCr di de wa c ncel d by Be fc a . I CountFi t pli if s ri ha he ne e t bt s a le ne ii l n ve, he antfs s e ad caao yj d me tt a Be fca i n te tte t f rco eo teP o ryt e sa e k e lrtr u g n h t neiil s o n ild o o e l s n h r pe t mls nd untli co i wihVigi aCodej 55- 1 whih st f rh t pr e alrquie nt fr i t mples t r ni 59., c es o t he oc dur e rme s o f ecos ewhe e t not orohe e de e ofi bt dnes cn or l ur r he e t r vi nc nde e s nnotbepr oduce I Cot Si d. n mt x, t ep an if s e ad caao yj g n rg r i gtea t a sa o teF rtM o ta eLo n h litfs e k e lrt r ud me t e ad n h cu l tms f h is rg g a . The pli if c e t tM s W oods n a Be fcilte e e i o a l n m odik ai i antfs ontnd ha . o nd ne i a dnt r d nt oa t ton n 201 'whih ha notbe c r id o by Be fcal a t tt lnde ha c am e t rghtt 4, ' c s en a re ut ne i i , nd ha he e r s l i d he i o S o usf r co u ec ss b g sitr s c a g s a dbo usa tr e ' f e . I a !5 l g o e ls r o t, o u ne et h r e , n g to n y s e s' d. t 7. b ' St andard ofR evi w e The de e n sha m ove t dim ist s c a e d c f nda t ve d o s s he e ond m nde ompl i purua t Rul ant s nt o e 1 b ()o teFe ea Rue o Ci i Pr c d r . Gl p r s o aRu e1 b ()moin i t 2()6 f h d r l ls f vl o e u e s- u po e f l 2()6 to s o -he ts t s fcincyofac ant' Edwadsv.CiyofGol bor 1 F. 231 243 ( h Ci. et he uf e ompli . ' r t ds o, 78 3d , 4t r 1999 . Ac r ngl t c ts ç val ton i tus ge r l lmie t a r viw o t ) codi y, he our' i uai s h e nealy i td o e e f he A l ga i ns of t c pl i t is l . Goi s v.V a l v Cm t Se vs B d. 822 F. 1 1 66 le to he om a n t e f' ' ne le y. r . , 3d 59, 65- (t Ci.2 1 ) ç h l ac mplitatc e b aRue 1 b ()mo in d e no ne d d tie 4 h r 0 6 . ç ie o an ta k d y W l 2()6 to o s t e eald f m al a l ga i , a pl i if s oblga i n t pr de t gr ac le tons a ntf i t o o ovi he ounds of hi e il m e t t r le s ntte n o e i f 4 r quie m or t n l be sa c usons a a f mul i r ct ton o t e e e sofa c us e rs e ha a l nd oncl i , nd or a c e ia i f he lm nt a e o a to wiln td ' BelAt.Co .v Two l,5 0 U. 5 4,5 5 (0 7 (iain a d f cin l o o. l l p . mby 5 S. 4 5 2 0 ) ctto n ' i enalquotto maksomitd) Tos vi dimis lfrfiur t saeacli $aco an ntr ain r te . ur ve s sa o al e o tt am,ç mplit m us c an s fc e tf t alma tr a ce e a t e t Gtt ac am f rr le t ti plusbl t ont i ufi i n ac u te , c ptd s nl, o sa e l i o ei f ha s a i e o is fc ,' me nig ta i mu tt la )fcu lc n e tt a alwste c u tt d a t n t a e' a n h t t s t e dl a t a o tn h t lo h o r o r w he ' p r a ona e i e e e t tt de e nti la ef rt m ic e s bl nf r nc ha he f nda s i bl o he s onduc al ge ' As r tv.I , t le d. ' hc of qbal 5 6U.. 6 , 7 ( 0 )( u tn Two y 5 0U. a 5 0 . 5 S 6 2 6 8 20 9 q oig mbl, 5 S. t 7 ) D i si scus on 1 . Count O ne t uah Four s hro Boh de e n sha m o d t dimist c st ta epr mi e on t as e ton t t t f nda t ve ve o s s he ount ha r e s d he s ri ha Be fca ca eled t Li ofCr tde . The de e ne i il nc l he ne edi bt f ndan s a gue t tt pl i if 'as e ton t r ha he antfs s ri i t sr ga d i ba e prma iy on t 1 C Fo m fl d by Be n hi e r s s d i rl he 099- r ie nesc a,a t tt I f r i i l nd ha he RS o m s no prm af c ee de e,i a ofis l,t tt Li ofCr di de wa ca e ld. t i a i vi nc n nd t ef ha he ne e t bt s nc le The def nda s r l he viy on t Unie Stt s Cour of Appe s f t Fourh e nt ey a l he td ae t al or he t Cic ts d cso i FDI v.Ca h o 7 0 F.d 1 9 (t Ci.201 ) i whc t e Co r rui' e iin n C s in, 2 3 6 4 h r 3, n ih h u t c i r d whehe t i r ton i o e de e o a 1 C Fonn c e t a ge ne i s of onsde e t r he ntoduc i nt vi nc f 099r aed nui s ue m a e i f cta t whehe a unde l ng not had bee ca eled ora sgne 720 F.d a 1 t ral a s o t r n ryi e n nc l s i d. 3 t 77. The Fourh Cic ts ve d de ii ns fo a va it of sa e a l werf de a co t on t t r ui ur ye c so r m re y t t nd o e r l urs he is ,a obs r e t tt r w a ( t f r iy i how t s c t haver s ve t c nta s ue nd e v d ha he e s ç mio m t n no he e ours e ol d he e r l i r ' L- Alhough s me l rc t ha hel t tSii a Fol 1 C wih t I nquiy. d t ' a o owe ours d d ha t lng f ' 099- t he RS m c tt e prm a f c e e de e of an i e t di c r a 1 ,'t Fourh Cic t f m d ç ons iut s i a i vi nc nt nt o s ha ge 0m1' he t r ui ot $ a dfee ta p oa h tk n b a mao iy o t c u t t c n ie t matrutmaey mo e ifrn p r c a e y j rt f he o rs o o sd r he te li tl r pe s sve. 1 a 1 Ap yi t ta oa h,whih % e i prncpaly o t l ngua o t r ua i ' d. t 78. pl ng ha ppr c ' c ç les i i l n he a ge f he r l r gultons a t pur e ofa For 1099- ' t Fourh Cic tc ude t tGii a RS e a i nd he pos m C, he ' t r ui oncl d ha l lng f 5 Fonn 1 C i a c e t ' r uie m e ns ofs ts yi a r pori oblgai t t I i i 099- s r diors eq r d a a if ng e tng i ton o he RS; t s nota me nsofa ompls ng a a t ld s ha ge ofde ,nori i r quied onl whe ea a t l a cc ihi n cua i c r bt st e r y r n cua dic r ha ar ady oc ur e ' l a 1 79. Ac or ng y, G a e a c edior ca be s ha ge s le c r d. d. t 78' c di l l us bec r t n r quied t fl a Fo m 1 C e n whe e a de ha no be n c e l t m e e f c t ta e r o ie r 099- ve r bt s t e anc led, he r a t ha Fonn 1 C i fld doe notco tmt s fcinte de e sa ng aone, ha a de ha be n 099- s ie s nsi e ufi e vi nc , t ndi l t t bt s e c ncel d.' 1 a 1 Si e Cas on' c am ofc e lton wasQ s d s ey on t 1 a le ' d. t 80. nc hi s l i anc la i l e oll ba he 099C F r 't eFo rh Cic i h l,a amatro lw,h taj r c ud n th ver n ee av r it o m, h u t r ut ed s te f a ta u y o l o a e d r d ed c ' i Ca h o sfv r J Ac o dn l t Fo rhCic iafn dt eg a to s mmayj d me t n s in' a o . Z c r igy,he u t r ut fi ue h r n f u r u g n t t FD I I o he C. d. l r c ng is dec son,howe r t Fourh Cic t was Gc r f t not t s cfc n ea hi t ii ve , he t r ui ça e' o e he pe ii ul cr umsa s'oft ca ebe or i a t ç rowne s'ofishol ng. l a 1 . The Cour ic t nce ' he s f e t nd he t r na s ' t di d. t 81 t o s r e t tt ec s wa ti l a o dt , eet e 1 9 - Fo m ( s teo l e ie c o b e v d ha h a e s ikey n d iy wh r h 0 9 C r wa ) h ny vd n e f l d b ds h r e b f r te Co r. J. Th Co r e h sz d t ttin a o h rc s ,wh r a e t ic ag eo e h u t' .. e u t mp a ie ha ç j n t e a e ee ' ;s l pr ry a he i a e For 1099 C i i toduc i o e de e a o wih ot rcr tmsa i l ope l ut ntc t d m - s n r ed nt vi nc l ng t he ic l t nta e de e ofc ncel ton oft debt t Fo m 1 - co d be pr ry c i r d by t tir vi nc a lai he , he r 099 C ul ope l onsde e he re of f c unde t t alt of t cr um sa s on t uli t is of whehe t de i at r he ot iy he ic t nce he tma e s ue t r he bt n que to was i f t ca ele ' I si n , n ac, nc ld. d. ' Att s sa oft pr e ngs t c ti una e t co l t tCa hi f e os s hi t ge he oc edi , he our s bl o ncude ha s on or cl e t pli if 'cai t ta epr mied on t a s ri t tt Li ofCr di de wasca e ld he antfs l ms ha r e s he s e ton ha he ne e t bt nc le by Be fc a . Unlke Ca hi t pr e c e i notbe or t cour o a m o i n f sl m a y ne i i l i s on, he es nt as s f e he tn t o or lm r j g n .No d t ep an if r l d oeyo te 1 9 - Fo m't s p o th i a srinta a ud me t r o h litfs ey û ll n h 0 9 C r 'o u p r t er se t h t s o c nc la i oc ure I a 1 a e lton c r d. d. t 80. I t a t pli if 's cond n nse d, he antfs e mende c d ompli i l ant ncudesa numbe of ot r f c ua al ga i r lva t t s is i l ng t f c t t bo h M s r he a t l le tons ee nt o hi s ue, nc udi he a t ha t . W oods a he da e we e t d,a tr t 1 C Fonu was i s d, t t no ad to on nd r ught r r ol fe he 099s ue ha dii nal 6 pa e swe er quied on t Li ofCr di.Theaddii na al ga i i t s co n nde ym nt r e r he ne e t to l le tons n he e nd me d c mpan, whe c n i rd i c nu cin wi t e 1 9 - Fo m,s p r te plu il o li t n o sdee n o j n to t h 0 9 C r u po t h a sb e h i e e t tt Li ofCr di de wa c nc le by Be fc a . Acc di l t de e n s' nf r nce ha he ne e t bt s a e ld ne i i l or ng y, he f nda t m o i nst dimi sCount Onetzo h Fourwilbede ed. to o s s s lr ug l ni I. I C ount Fi and Si s ve x Xl ug Be eiilmo e t ds s te sc n n n e c mpan i ise trt ,is t h n fca v d o imis h e o d me d d o lit n t n iey t ho bre i s if n uppor oft moton di no s cfc l add e s Co s Fi a Si Thos c s t he i d t pe i aly r s unt ve nd x. e ount we e a e s d,f t frttm e i Be fcalsr pl bre ,a trt de e y w a poi ed ou r ddr s e or he is i , n ne i i ' e y i f fe he scinc s nt t by t pl i if . ç -he o d na y r l i f er lc t i t ta a gu e r ied f t fr ttm e he antfs çl r i r ue n ed a ours s ha n r m nt a s or he is i çi a r pl bre orm e of ndum wilno be c i r d,' M oodi v.Ki wah I l nd I Co. n e y if m a l t onsde e '' e a sa M , LLC,1 4 F. u p. d711 7 5n.1( SC. 01 )( u tn Clws n v Fe Ex Gr t Pa ka e 2 Sp l , 2 1 D.. 2 5 q o ig a o . d omd c g S s.I c,4 F.S p 2 7 ,7 4 ( M d. 0 6 ) s eas Ep es n v. m e No 4 1 -v v . n . 51 u p. d 31 3 D. 2 0 ); e lo p ro Pa , . :6 c 0 0 0 201 U. Dit LEXI 4 7 5 a * 5 ( . Va M a . 0 201 )( sr J)(a ) F r 0 5 , 7 S. s. S 7 3 , t 2 W D. . r 3 , 7 Kie , . sme . o t sr as n, heco twilno c i rBe fcilsa g e si f vorofdimisng Count Fi hi e o t ur l t onsde ne i a ' r um nt n a s si s ve a Si a wilde ism otonwih r s c t t ec s nd x, nd l ny t i t e pe t o hos ount . C oncl i us on Fort r as sa e t de e rt 'm otons t dim is wilbe de e The Clr i he e ons t t d, he f ndais i o s s l ni d. ek s diece t s nd c pi oft sm e o a r t d o e o es hi m r ndum opi on a t ac ompa ng or rt a lc ms l ni nd he c nyi de o 1 ot e ofr cor e d. DATED: i tN d yo Api 2 7 Ths g a f rl 01 . , Chi U nie St t s Di t i tJ e t d a e s rc udge 7