Chandler et al v. Multi-State Home Lending, Inc. et al, No. 4:2012cv00017 - Document 43 (W.D. Va. 2013)

Court Description: MEMORANDUM OPINION. Signed by Judge Samuel G. Wilson on 2/20/2013. (mlh)

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el :* I U'. sT Couir FM =K S Dl . ' Ã§ ATROANQKE. VA J,E)zjc, tt, g , c t FEB 20 2 1 23 I TH E U N I N TED ST A TES DI STR I T C O U R T C FO R T H E W E STE RN D I STR I O F V I G I I CT R N A DA N V ILLE D IV ISIO N K EV IN L.C H A N D LE R & G A M J.CH AN D LER , JuuA c. l ou BY: . DE p ' CL ' ERK X J/ . . / Ã«L E C i lA cti N o.4: vi on 12cv00017 Pl nt f ai i fs, M EM ORANDUM O PI ON NI M U LTI STA TE H O M E LE N DI G , N I C .etaI, N . By:Sam uelG .W is lon U ni ed St es D i ri Judge t at st ct D ef endant s. Thi i a aci b pli tfsKe n L.Cha e a Ga aJ Cha e , oce di s s n ton y a n if vi ndlr nd r . ndlr pr e ngpr o s a i tdefnda sM ulistt Ho Le ng,l .td t- ae''Pr mir Ase Se vies e, gans e nt t- ae me ndi nc c istt ', e ee st r c Mul l (d e ee';Cii ou M o t geLoa Tr t l (i tgr p' BW W Law Gr LLC;C t mir' tgr p rga pr l n us, nc.Ã»cii ou l; oup, I US Bal Nain l s cai n AsTr se i Alio Met n Be j mi Rosn; n t e 1 0'f r r to a Aso ito , k ute' ls n lo ; na n e a d Ã§ s -1 , o ' Do ' va i c us ofaci n r lt d t af r l ur on t Cha e s ho e.Al nn rous a es to ea e o o ecos e he ndlr ' m l meddef nda s e nt ha ej ie i fln amo int d s s f rfi r t saeacam.Be a et ec u t n n t v on d n i g i to o imis o al e o tt li u c us h o r c n o di c nza pl us bl c ai st r i i t Cha e s co pl i ,t cour gr nt t s e ny a i e l m o elef n he ndl r ' m a nt he t a s he def nda s m oto t di m i s e nt ' i n o s s . 1. Ta n astue a vi w e i t lghtm os f vo a e t t Cha e s t f ct a e as ke r nd e d n he i t a r bl o he ndl r , he a s r f l s The Cha er a M uli st t e e e a m o t ge ag ee e on t Cha e s hom e olow . ndl s nd t - a e nt r d r ga r m nt he ndl r ' i H alf x, i gi a. M uli st t t a s g t pr i s r not on t Cha e s hom et n ia V r ni t - a e hen s i ned he om s o y e he ndl r ' o Cii oup. W hen t Chandl s f lbehi on t rm orgage paym ent Cii oup i tat a tgr he er el nd hei t s, tgr nii ed f ecl or osure on t propery. he t O n M a 23,201 t Cha e s c m e e t sa i i Half x Cot y Cicui Cour , y 2, he ndl r om nc d hi cton n ia mt r t t a l ng br ac ofi ple c t c ,t awf m one l nt' vi a i n oft-r h i Le ng l m ' legi e h m i d on a t s unl ul y e , ol t o ' s ut n ndi a ' r a Ã§ o ulf e osze' Thede e nt r m ove t aci n t t sc ton J 22,201 nd d ngf or cl lr . wr ' f nda s e d he to o hi our une 2, a Pr m ir fl d am o i t dim is TheChandlr t n fld a ame d c nd e e e ie ton o s s . e s he ie n nde ompl i ,whi h ant c Pr m ir move t srke. On Se e r1 201 t c the d ahe rng on t moton t e ee d o ti pt mbe 0, 2,he our l ai he i o dim is Att c uson oft hea i t c tnf med M r Cha e t thi t s s . he oncl i he rng, he our i or . ndlr ha s wo co pl nt a m ai s ppea e w holy defc e a t the w oul ne d t fl a n e d com pl nt rd l i i nt nd ha d e o ie n m nde ai pl a ng pl us bl c a m s e di a i e li . O n J nua y 4, 3,t Cha e sfl d a t r com pl nt na i a tonalde e n s a r 201 he ndl r ie hi d ai , m ng ddii f nda t a cai ngEBr a h ofOa h Conta t'fa us y,r c t e i hum a rg svi a i ,a nd l mi i e c t r c ' r ud, ur a ke e rng, n-i ht oltons nd f ecoszeer s l t tco antt Cha esi or l lr ror. n ha mpli ,he ndlr nvokej iditonunde C tcl 1 Se ton urs ci r l i e , ci Ar 1 oft U . Cons iuto w hi h pr biss a e f om m a ng a Thi butg d a s l r 0 he S. tt i n c ohi t t t s r ki ny ng ol nd ive c i atn e i pa me to d bs' Am . mp . , No 3 ) TheCh n lr alg , mo g on e d r n y n f e to '( Co l2 ECF . 4. a d es l e n n e ot rt ngs t tt de e n sha vi aedt Ã» i Ofi r a Em pl es's cto of he hi ,ha he f nda t ve ol t he i c fce s nd publ oye ' e i n t s c edii ofA m e i n Jli pr de he e ond ton rca tr s u nce; ai d a d a f de a ne ' a ns t obt ne n l w ul t i r' gai t he unl Cha es vi ae t rowntoahglofsr c 'a t Cha lr'h nrg sbyo ani ndlr; oltd hei t t s e vie' nd he ndes uma iht bti ng a w rtofpos es i a i e a S r c ofoa h ofs nic ' and a e t ( n vi a i of i s s on; nd gnor d d ue opy t t e e' r hus t ol ton i Til 1 USC a pos i y i ur ncefa ' Thede e nt ha onc a i fld amotont te 5 nd sbl ns a r ud. ' f nda s ve e gan ie i o di m i s 1 s s. 1TheCha e shavefl ar s et t defnda s'm oton t dim is m a ngt sm a trrpef ndlr ied e pons o he e nt i o s s , ki hi te i or diposto Theco tdipe e wih f rhe or lar e bec us i woul no adt decsona pr e s Se s iin. ur s ns s t u t r a gum nt a e t d t i he ii l oc s . e Lo a Rul 1 ( (l a c r a c wihFe ea Rueo CiiP o e u e7 ()teCo r ma d tr n amoin c l e 1b) (n c o d n e t dr l l f vl r c d r 8b ,h u t y eemie t Ã§ o wi ou a oa hern .) t t n r l aig'. h ' II . Thedee nt movet dimist Cha e s c antpurua t Rul 1 b)6)on fnda s o s s he ndlr ' ompli s nt o e 2( ( t goundst t a he r hathe mende c antt s ma quetonsa sae avait ofdij ntd d ompli Ã§ ks ny si nd tts rey a soi e l lconc usons' hie f ii t alege a c pr he i e f t . The c t i t tt ega l i ' w l a lng o l ny om e ns bl ac s our f nds ha he Chandl r 'c pl i doe no c a n s fc en f c st s e s om a nt s t ont i ufi i t a t o uppor a f c a l pl us bl c a m t t a i ly a i e l i o r i .Acc di y,hec tdimis st i c antwihou prj ce elef or ngl t our s s e her ompli t t eudi . Unde Rul 8()2)oft Fed a RulsofCi lPr e e, pladi mus co an a r e a( he erl e vi oc dur a e ng t nti Ã§s t pl n s a e e oft c a m s i t tt pl a ri e il d t r le .' To s v ve Ã§hor and ai t t m nt he l i how ng ha he e de s ntte o e i f' ur i aRul 1 ( )6 mo int ds s ,hecama tst ta ta alg to smu t ee u ht riea e 2 b ( ) to o imis t li n ' sq cu l le ain s b no g o as l rg t r i a i ht o elef bovet s c a i l ve , a t pla ngm us c ai Ã» ug f c st sa ea he pe ultve e l' nd he e di ' t ont n Ã§ eno h a t o tt cl i t r le t ti pl us bl o is f c ' Be lAt . p. Tw o bl 550 U . 5 555,57 a m o e i f ha s a i e n t a e. ' l l Cor v. m y, S. 44, 0 ( 2007)(iai omitd) Ã§ ea r r iasoft elme sofac us ofacin,s ctton te . Thr dbae ectl he e nt a e to uppore by td mer c us ysae nt, nots fce' As r tv.l ,556U. 662, ( e oncl or ttme s do ufi .' hcof qbal S. 678 2009) . Pli if mus ofe e antfs t fr noughfcsdonudgeg t rcai a r st lnefom c ei bl t at i t l hei l ms cos he i r onc va e o pl i e, Twombl 5 U. a 570,a fom whiht c qcalnguponÃ§t j cil ausbl ' ' y, 50 S. t nd r c he our li Ã»s udi a i e re a co m on s ns ,' n c ude t tt pl a rhasCs n' t the i e il d t xpe i nce nd m e e ' ca oncl ha he e de lhow ' ha s ntte o rle , d. Ci . 8 a; q l 5 6U. a 6 9 W hl c u t s o l c nsr eapr s eif Fe R. v P. () lba, 5 S. t 7 . ie o rs h ud o tu oe c pl i lbe a l a hol i S o l s sr nge s a r t n f m a pl a ngs' t om a nt i r ly nd d t ' es t i nt t nda ds ha or l e di , he t ' c pl i nttm us pl d f c ua m a t rt tper ist c tt i e m o e t n t m e e om a na t t ea a t l te ha m t he our o nf r r ha he r posi lt ofmico t' At ronv.D. Ofieo M a ,567F. 672,681 ( C. r sbiiy s nduc . he t ' C. tc f yor 3d -82 D. Ci. 2 0 )(nen l u tt nmak a dctto so t d .Co rsa en t e uie t i o j r u ' 0 9 itr a q o ai o r s n iai n mit ) u t r o r q rd o t nu e p' e c cl m sf om t vagari ofapro s com pl nt Beaudet v.Ciy ofH am pt 775 F. 1274, ai ' r he es e ai . t t on, 2d 1 (t Ci.1 ) 278 4h r 985 . 3 W ih t e pr e si m i t co tc l t hos ec pt n nd, he ur onc udest tt Cha e s t r c pl i i ha he ndl r ' hid om a nt s wholy defc e ,e n t de t lbe a pr s pl a ng s a r . The Cha e s c pl i t l i i nt ve m r he i r l o e e di t nda ds ndl r ' om a n f ist pl d a c pr he i e c a m , uc l s a pl usbl one The cour ca onl di c r t t a l o ea om e nsbl l i m h es a i e . t n y s e n ha t Chandl r c pl n a he e s om ai boutt ve y f c oft f e os e o t i ho e a t r s tng he r a t he or cl ur n he r m nd he e uli ha ds ps I i notc e f om t co pl nthow a oft de e n s vi a ed a oft r hi . t s l ar r he m ai ny he f nda t ol t ny he Cha e s l ga rght ,norc n t co tgl a a co r ntl ga t ores A lhoughpr s ndl r ' e l i s a he ur e n ny he e e l he i . t / e c pl i s a e he d t i e s srng ts a r r' t r o 56 F. a 68Ã® pr s ltga sdo om a nt r l o d s ti en t nda ds' A he t n, 7 3d t , o e ii nt l notha t uni prvieg ofs i tng c a m s ba ed on uni t li i e f t a unf ve he que i l e ubm ti l i s n e lg bl ac s nd ounde d l ga c us ons The c pl i m us c nt i eno h f t lc t ntt alow t sc t o dr w e l oncl i . om a nt t o a n ug ac ua on e o l hi our t a t r s bl i e e e t tt de e nt a e la e f ac i na e m i conduc . Bec us t he ea ona e nf r nc ha he f nda s r i bl or t o bl s t a e he c pl i doe nots ts y t tbasc r quie e , t c tdi m i s t Cha e s c a m s2 om a nt s a i f ha i e r m nt he our s s es he ndl r ' 1 i . 1 11. Fort ras sae t c ur dimis st Cha es compl ntwihoutprj c he e ons ttd,he o t s se he ndlr' ai t eudie. ENTE R :Fe u r 20, 3. br a y 201 UN I TED STA TES D I STRI J D GE CT U 2The Cha e shaveno atm ptdt i ntf ors r t El 1 1 *ha t havei ude a ndlr t te e o nde iy eve he < oes - 0't t hey l ncl d s d fnd nsi alhe ofh ic mpans Fe ea Rueo CiiP o e u e4( rq ie ta ee a t n ltr e ter o lit. d r l l f vl r cd r m) e urs h t (fad fn n i n tsre wihn 1 0dysa rt c mpliti fld tec u t o moino i ee dat s o ev d ti 2 a he he o an s i ,h o r- n to r l e o i o atrn tc t teplitf- mu tdimist ato wi o tpeu c a an tta n t wn fe oie o h anif s s s he cin t u rjdie g is h t s h de e ntoro de t ts r cebe madewihi a s ciid tm e. Bu i t pl ntf s f nda r r ha evi t n pe fe i t f he ai if howsgood c e f t f iu e, he cou tmus e e t tm ef r s vi e f an a opra e pe i aus or he a l r t r t xt nd he i o er c or ppr i t r od. Be a s teRul 4m)1 0d ywi o frsr ieha ln sn eco e , n b cus teCh n lr h v cu e h e ( 2 -a nd w o evc s o g ic ls d a d e a e h a des a e nots veda oft D oe ,nors er ny he s howngood c us f rf ii t do s t c tdim is t cai s a e o alng o o, he our s ses he l m a antte S e eg, a tsv N. Ciy 8 F. u p 2 5 3 5 7 8( . N. 2 2 (imisn g is h m. e . ..S no . Y. t, 47 S p . d 7 , 7 -7 SD. Y. 01 ) ds sig camsa an t h n me dee d n sp ls a tt Rul l ( )6 a dt ecam sa an tto n Do 'p rua t li g is t e a d f n a t t u n o e 2 b ( ) n h li g i s d h e' u s n r l t Rue4( ) o l m).

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