Carter v. America Note Servicing et al, No. 5:2014cv00003 - Document 22 (W.D. Va. 2014)

Court Description: MEMORANDUM OPINION. Signed by District Judge Michael F. Urbanski on 5/14/2014. (jat)

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I T H E U N I ED STAT ES D IST RICT C O U RT N T FO R T H E W E ST ERN D ISTR IG O F V IRG I IA N H ARR I N BU RG D I SI N SO W O CLERKS OFFI O.s.DI EO URT CE S' AT ROANOKE. VA FIED L MAt 15 2 1 21 aUL BY: . D D , CLERK CLERK I EN E CARTE R , R Pl ntf, ai if Ci lA ct on N o. 5: vi i : 14cv00003 AM E RI N O T E SERVICI G , tAk, CA N g By:H on. i M chaelF. banski Ur . Unied St esDititJ t at src udge D ef endant s. M E M O R AN D U M O PI I N N O Tli m ateri bef t cout on t m odonst dim isofdef ls t s ore he t he o s s endant ALG Tm see,LLC s t (ALG' a At n cLa Gt u LLC rAt n cLa '.Dk . s 3& 4 rs c v l.Th s < < ' nd l d w o p, ) a f l d w' a ) tNo . ,epe d ey e e m odons a wihoutm ertand wlla re t i ' ccordi y be de ed. l ngl ni 1. I t sa t n pant fle eCatr(Catt'se sad caao yjd me i h rfvo a n hi ci , li i rn re ç te' e k e lrtr u g ntn e a t nd o f < ) as alge avoldon oft FarDe Cole donPrc esAc,1 U. C. j1 2, t...l he lo le s i a he i bt lc a dc t 5 S. j 69 q ùq n r e com pl nts alegestae f l ng f steevantt t pendi m otons on Febtz y 6,2003, ai he l l olowi act l o he ng i : aar Cattt outace tl De dofTr s wihBankofAmeia( non- ty.The20 De dof re ook r di i ne e ut t . rc a pat) 03 e Tr tgaveBank ofA m erca a se iy i et ti Caret' hom e. Cat e ref anced t 2003 D eed us i curt nt es n t s tr m he ofTr tw ih a second D eed ofTm s bet us t t ween hetand Ba ofAm ercaon Sept ber 14,2004. nk i em Cat e hasatached copi ofbot D eedsofTrustas e bis t hetcom pl nt asw elas t tt t es h xhi t o ai , l he s tem ents a em entm em otalzi t t m ancng agr e . etl tt i i ng he ef i eem nt A fett 2004 ref ancng,Bank ofAm e i f l t cl t accountas oci ed wih t t he m i rca aied o ose he s at t he 2 D e d ofTrzt de pie t f c i ha be n pa d of a t s cuiyi e e ti c e t d 003 e t , s t he a t t d e i f nd he e t t nt r s t t a e s e xdnglihed. O n D ecem ber23,2005,Bank ofAm e i assgned t 2003 D eed ofTr tt Ulied zs tca i he us o lt Gu tnt Reie t l ns nc Co n o No t CaoiarUGRI' (nohe no pat) UGRI aa y sd n i I ma e mpa y f rh r l < a n ' a t t n- ty. ) s equenty as i d t D eed ofTr tt def ubs l sgne he us o endantA m erca N ot Se ci i e rvi ng. O n M ay 1,2013,A m erca N ot Se cng exec ed a Subs aton ofTrus ee f t 2003 i e rvii ut dtzi t or he D eed ofTrustwhi appoi ed def ch nt endantALG ,as Subs m eTtzt Put ua t t aut iy dt as ee. s nt o he hort s upposedl conf re by t Subsdt i ofTrus ee,def y er d he uton t endant ALG and A tandc La sc dul a s l w he ed f el t sl ofCatrshomef Tueda yune1 ,2 3.Catrc a tdAta La ot cosue ae te' or s yl 1 01 re ontce lndc w t r u hhe c u sl n fl dfee t c so si lt Ma a de t J n o 2 1 t ifr t m h o g r o n e o oz iftn oc ain n ae y n al u e f 0 3 o n o m he r y t s iy i e ti Catershom e had been extnguihed vi t 2004 r m a i butr ved hat ecutt nt res n t ' i s a he ef ncng, ecei no i lca t t f os e s ew oul be canceled. The s l wascanceled when Carerfl nci don hat he orecl ur al d l ae l t led t pr e acdon i sat cout . he es nt n te t A st pt e z a hit y Ca t tsc pl i w a r m ove by t de e nt t f de a c ur o oc dlr l sor , t e ' om a nt s e d he f nda s o e t l o t on Fc u r 11 201 D kt N o.1.Thepe ng m otonst dim i sw e e fl d on Fe u r 1 , br a y , 4. . ndi i o s s r le br a y 7 2014. D kt N os.3 & 4. Pl ndf r ponded t t m odons on M ar h 10,2014. D kt N o.13. . ai f es o he c . D e e nt di notfl r pl bre sw ihi t Hm e a l t d a t pa de ha wave or l f nda s d te e y i f t n he lote nd he t s ve i d a agume .Ass h,hematri now rpef a udia n. r nt uc t te s i ot dj cdo I I. F d êl l ofC vl z c d r 1 @ 4) r t apat t mo efrds sa b s du o a e e a Rue iiP o e u e 2 6 pemi s zy o v o i sl a e p n mi fal et saeaclm uponwhihrle cnbegtntd. Fe R. v. 1 $() Thesa r on f i o tt li f ur c eif a a e ' d. Ci P. 29 6. 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()Re urd Pat. p ro who i s be tt srieofp oc s a who ejid r 1 q ie ry A es n s u jc o evc r es nd s on e wi no d p iet c u t fs be tmatrjts ito mu t ji da ap ryi: l t e rv he o r o u jc- te u idcin s be one s at f l ( i t a p ro s a e c ,t e c l t c n o a c t c mpee rl f a n A) n h t es n' bsn e h oz a n t c o d o lt ei mo g r e e si g pa de ; xitn r s or ( ta pes n camsa i ee trld g t t e s be to t e a d n a d i s B) h t ro li n ntrs ea n o h u jc f h c o n s o stmt t di posng oft acton i t pe on' a ence m a ia ed hat s i he i n he ts s bs y: ( a a p a dclmatti aro i d t p ro s a it t p o e tt e i s rc a te mp i r mpe e he es n' bl y o r tc h ) i i e t or nt res ; @ la a e it g pat s be tt a s bsa da rs o ic tig d u l, eve n xsi ry u jc o u tn l ik f n u rn o be n m uli e,otot wie i tpl her s nconss entoblgadonsbeca e oft i er t it i us he nt es . Fe R. v. 1 a() Kf epum os ofRul 1 i t pr vi f t fxla c ee d. Ci P. 9()1. f' -h e e 9 s o o de or he 1l nd omplt a udiai ofacs ewihami mmn ofldga ef ts t tt i eet oft pli f t dj c ton l put t i ni i don for, o ha he ntt ss he andf,he def endant and t publc wilbes be s s, he i l t erved.' 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Na' n. e v . nc, l F.d1 , 3 (t Ci. 9 6) Tota e d teAc sae t a <a d b c l co ma n u eu fi 3 31 1 5 4h t 1 9 ). h t n ,h t tts h t< 1 e t ol t r y ot s n at ( e oruncons onabl m ea t colectotatem ptt colectany debt' Lem bach v.Bi r an,528 F. ci e ns o l t o l .' em Ap ' 2 7 3 1(t Ci. 0 3 (n u l h dpe c r m o ii n (uoig1 U.. j1 9 9. px 9 , 0 4h r 2 1 ) u p bi e r ui pn o ) q t 5 SC. 6 2 s a n Tosaeacqm u d tt eF tt li n e h DCPA, p n f mu ts f ce t alg t a t()t p nif a bid f s u h in l l e h t<1 he bitf y e < ha ben t objctofc lc a dviyaii fom c lme de ,()t dee nti ade s e he e ole don c t rsng r onsl t bt 2 he fnda s bt c l t a deme byt FDCPA, nd ()t dee ntha e g di a a to omison ol or s f d he ec a 3 he fnda s nga e n n c r si p o ii db teFDCP A Se r v Bir n 8 9F. u p. d7 4 7 9(3 M d 2 1 )( en l r hbt y h e A.' twat . ema , 5 S p 2 5 , 5 1. . 0 2 i r a ' nt atrd no te )(iigDiu v. tec , 6 F. u p 2 7 1 7 4 8 ( D. . 0 5 ;o n o v. lea o mi d ct t n k n Srih 3 9 S p . d 8 , 8 -5 E. Va 2 0 )J h s n BAC HomeLoa Sevcng,8 F.S 2d76 ,776( D. C.S pt29 2011) apds nom. ns rii 67 upp. 6 E. N. e . , ), f ub Le c v. ema 5 F. x29 ( hCi.2 39seas Yane , F.S 2da 57 75 mba h Bit n, 28 App' 7 4t r 01 ) e lo r 929 upp. t 4- (iigWih r v Ev ln , 8 F S p . 4 , 4 ( D. . 9 7)(Toe tbihavoabnofte ct n tes . ea d 9 8 . u p 9 2 9 5 E. Va 1 9 ) < sa l f s ilt h FDCPA,h e tq ie n smu t sdsid:1 tepan f wh h s e t tre o c l cin t re e urme t s be a f () h lid f o a be n he ag t f ol to e e a dvt mus bea<ons t,a def di j1 92 3;()t dee ntcolci t de mus be c iy t c ume' s me t 6 a() 2 he fnda le tng he bt t z ate c l co 'a d f di j1 9 a6; nd()t ed fn a t s h v e g g di a ya t r d bt ol tr, s eme n 6 2 () a 3 h ee d n mu t a e n a e n n c o e omisoni vi ai oft FDCPA.) Cattalg t tt defnda svi ae Se don si n olton he '. re le es ha he e nt oltd c ' 1 2f6( oft FDCPA, lc ma siunlwflf ade c lcort tkeort e e t tke 69 ()A) he wlih ke t a u ot bt ole t o a htatn o a d nynonj ca a don t efc diposeson o dia e ntofprpet'wheefheei no f a udiil c o fe t s ssi t sblme o ty' r f r s t p ee tr tt po ssinof h p o et c me a c l trl h o g a e fr ebescuiy r sn kh o se so t e t p ry bi d s ol ea t t u h n n oc a l e t t a i er t' nt es .' Bot A tandcLa a AI, ar t Ca erhas f l t ale s fci f st t h l w nd G gue hat tt aied o lge uf ent act hat hey e ngaged ilan actotom i i pr bied by t FD CPA . Specii ly,t ass tt Carerhasnot r sson ohi t he fcal hey er hat t pl s fci f st s t m i ed t c tlne accountass i ed wih t 2003 D eed of ed ufi ent act hat he er nat he tedi i oc at t he Tr t A sdef us . endant puti,ft m er alega t tt Pl ndf bot owed m one f Bank of s t the e l don ha he ai f r y rom Ameiata alg dywa ce i d(rs p o et bece ie )a an ta o ttn igce il e tc h t l e l s r dt o u p s o rdtd g is n u sa dn r dti e e n accountwih Bank ofA m etca wihoutm ot doesnotesabls as a f ualm at et,t t t i t e t ih, act t hat he umee s d2 ( e ofTrzt i a une orea ele onhe pt ry. .. Me ofLa i la e 003 De d t )s n nf c bl in s r opet . ' m. w n ' Supp.ofD ef ALG Ttz t LLC' M ot t D im i ,D kt N o.3- at6;M em .ofLaw ilSupp.of . a s ee, S . o s ss . 1, t De. ln cGr u LLC' Mo .oDimisDk . . - , t7(mp ai a d d.Ofc u s, fAt d o p, S tt s s, tNo 41 a e h ss d e ) a o re Cat erhasnotm er y ale t s pai of ta cr tlne as oci ed wih t 2003 D eed of t el lged hat he d f le edi i s at t he Tr t l t s hasprovi sgni us . ns ead, he ded i hcanty m or f t m at i . She ale t m eansby whi l e actml etal lges he ch s epadi o f(ema igwi asc n De dof u t a dt e a td t s edds (e tmbe h i t f rf ncn t e o d e Tr s) n he x c ae h i o S pe r h 1 2 ) Shehasfthe pt de a e hi t t he c antc e oft s e ue De dof 4, 004. at t ovi d, s x bis o r ompli , opis he ubsq nt e Trus us t t m ance t 2003 D eed ofTm s a t setl e s at entm em otai ng t t ed o ef he t nd he tem nt t em i lzi he r m ancng. Thos docxm ent go s f r ast ptovi t l num berass at wih t r e ef i e x s o a o de he oan oci ed t he elvant D eeds ofTrztz ts . 2ALG and A tandcLaw alo at Cat e s Kacknowl l s gue t r' f edgm entofaptom isory not i t s e n he pos e son' oft de e nt c r d c she c m s M e . La i S s s i ' he f nda s ont a i t r bi , m of w n upp. D ef A LG Tm s e , of . te LLC' M ot t D i m is,D kt N o.3- at69M em .ofLaw i Supp.ofD ef A tandc G roup,I S S .o s s , 1, n . l JwC' l lghtoft e s i f ualal ni hes pecfc act legadonsby Carer i i cl t hetcom pl nti not ng t , t s ear hat ai s hi lke t ft ador i he dm ned,i e- e def ndantunlw M y- r ed- e accus - a ha m m adon' t pr pt t Supr e ' hat om ed he em Co tsd cso i As co t . ba, 5 U.. 6 , 7 (0 9 .W h tv tt elg l tt of e ut' e iin n h r f v l l 5 6 S 6 2 6 8 2 0 ) ae e h e a meis h r FD CPA c ' , Ca t tsa lga b1 3 r e ' le donsa e ce ry notl c ng i f c u ls cfc t S ha a s t e t t m r la l a ki n a t a pe i iy. he s s e t d ha 2 D e d ofTr s t tde e nt a t m pt d t f e l e on w a pa d of a t s c iy i e e t 003 e u t ha f nda s te e o or c os s i f nd he e urt nt r s i herhom e e i s n xtnguihed,and hasgi s i f ualal ven pec hc act legadonsas t how and whe i w aspai o nt d of . A ss f uch,s hasadequat y s at a cli t t def he el t ed am hat he endant vi at t FD CPA by s ki s ol ed he ee ng t f ecos z on he ' ope t wihouta f i htt pos e son oft pr r y c am e a c l t r l o oz l u e zpz t y t f g o s si z he ope t li d s ola e a t u ha e o c a l s c rt i eet' 1 U.. j1 9 f6 ( . l g n nfte be eu iy ntrs. 5 SC. 6 2 ()A) uo ' TheSupt m e Cot ' de ii i I la Tw o bl una bi ousy r quiepl i f t e uts c sons n qba nd m m gu l e t andfs o pl a s hc e f c u lm a t r a ce e a tn e t s a e a c m t t le t ti plusbl on isf c . e d uf i nt a t a te , c pt d s tl , o t t bi o e i f ha s a i e t a e H e e Ca t tha pl i y m e t tbut n.A c o di l de e nt 'm odonswi be de e tlsda r , r e s a nl t ha de c r ng y, f nda s l l ni d li y by a a opra e O t r n ppr i t de . The Cl r i d r c e t s nd a c oft sM e ot nd O pi on t alc e k s ie t d o e opy hi m a um ni o l ouns loft c d. e e or Ent ed:M ay 14,2014 er # *r' T r* . Mi chaelF.U t l bansd UriedSttsDitit udge lt ae s c l M ot t D im i s D kt N o.4- at7,butCar ersr . o s s, . 1, t ' ecogni t t prom is not exit does don hat he s ory e s s noti cat any concesson on herpar t t not i sect ed by herhom e. ndi e i t hat he e s tr 3I i cl f t s eat rom def endant 'm odonst t y chal s hat he lenge onl t s fci y he ufi ency ofCa t ' f ual r ers act alegatonsi hercom pl nt See M em .ofLaw i Supp.ofD ef ALG Trus ee,1,, ' M ot t l i n ai . n . t TC s .o Dimis DktNo. - ,a 4(< rt pt eoft sM odon,Dee ntALG ...r stmt s s, . 3 1 t çFo he upos hi fnda ague l , c i rng t doc e sat c d a onsde i he um nt ta he nd/ott f r nc di t Se ond Am e d Com pli a t e e e e n he c nde ant nd he f iur t ot t i e alege s hci f s ...t woul estbls t t r el enti a FD CPA al e o hew s l uf ent act hat d a ih he hid em n a t Count1 ...houl be(s sedV tIpr j c ' M e ofLa i S ofDe. lntc cbn, 1 s d I mis . eudie. m. w n upp. i I ); fAta i Gr up, T,' Mott DimisDk. 31 a 56(a ) o T,C s .o s s, tNo. -, t - sme.

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