John O' Neil, Et Al, Respondents V. Frances Du Ju, Appellant (Majority)

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ED COURT OP APPEALS ISI;` IS10wI1 21, 15 43EP - 1 IN THE COURT OF APPEALS OF THE STATE OF W. k DIVISION II Oc MY JOHN O' NEILL, No. 46333 -4 -II Plaintiff, V. CHWEN- JYE JU and FRANCES DU JU, and UNNAMED RESIDENTS, Defendants. FRANCES DU JU, Cross -Claimant pro se, V. CHWEN-JYE JU, Cross -Defendant, and FRANCES DU JU, Appellant, UNPUBLISHED OPINION V. JPMORGAN CHASE BANK, N.A. and BISHOP, WHITE, MARSHALL & WEIBEL, P. S., Respondents. LEE, J. — Chase). Frances Du Ju defaulted on her home mortgage, held by, JPMorgan Chase Bank Bishop, foreclosure Marshall & proceedings on Weibel ( Bishop), as successor trustee, instituted nonjudicial the property, ultimately selling it to John O' Neill: Ju refused to vacate t 0 W4 No. 46333 -4 II the property and O' Neill brought an unlawful detainer action. Ju brought an amended third party complaint against Chase and Bishop, making various claims that the sale should be set aside. In response to Ju' s amended third party complaint, both Chase and Bishop moved for summary judgment. The superior court granted both motions for summary judgment, and granted Chase and Bishop' s motion for partial final judgment under CR 54(b). 1 Ju appeals the orders granting summary judgment and. the order granting partial final judgment. Because Ju failed to present evidence of a genuine issue of material fact, we affirm the superior court' s orders granting summary judgment to both Chase and Bishop and the superior court' s entry of partial final judgment in favor of Chase and Bishop. FACTS Ju and her ex- husband owned a home in Vancouver, Washington (" the property"). Chase held the mortgage note, secured by a deed of trust, against the property. In July 2012, Ju defaulted on her mortgage. In January 2013, Chase appointed Bishop as successor trustee ofthe deed oftrust. Bishop' s appointment as successor trustee was recorded at the Clark County Auditor' s Office on February 5, 2013. On February 14, Bishop, acting as successor trustee, sent Ju a Notice of Trustee' s Sale NOTS) and recorded the NOTS at the Clark County Recorder' s Office. The NOTS notified Ju of the default and stated that unless Ju cured her default, the property would be sold to satisfy the obligation due to Chase at a trustee' s sale on June 21, 2013. The NOTS stated that a purchaser of the property at the trustee' s sale would be entitled to possession of the property on the 20th day following the sale. The NOTS identified Bishop as the successor trustee and provided its contact information. 1 CR 54( b) controls entry ofjudgments on multiple claims. 2 No. 46333 -4 -II On June 21, bid in the Bishop amount of $ 95, the conducted 798. 49,? the nonjudicial amount of its foreclosure sale. Chase made an opening secured note, as a credit offset bid. O' Neill was the successful bidder and purchased the property for $172, 500. Bishop recorded and delivered title of the property to O' Neill. After satisfying Chase' s debt, a surplus of $ 819.46 remained. 75, On August 8, Bishop deposited the surplus funds with the Clark County Superior Court. Following filed a complaint the trustee' for cross- claim against unlawful her Ju s sale, detainer ex- husband, 3 refused against and a In September, JPMorgan Chase & not involved in the foreclosure. dismissed Ju' s claims against to vacate Ju and third party the property. her On July 22, 2013, O' Neill ex- husband. complaint against Ju filed an answer and a JPMorgan Chase & C0. 4 Co. moved for summary judgment, arguing that it was The superior court granted the summary judgment motion and JPMorgan Chase & Co. with prejudice. In February 2014, Ju filed an amended third party complaint against Chase and Bishop. Her amended third party complaint acknowledged that she was in default on her mortgage payments and trustee' that she s sale violated erroneous had received a of Trustee' s Sale ( HOTS). the Consumer Protection Act ( CPA), opening bid, ( 2) successful sale, ( Notice chapter She alleged that ( 1) the 19. 28' RCW, because of an O' Neill, Chase, and Bishop failed to send. written notice of the 3) Bishop did not timely deposit the surplus funds and Chase did not provide her information or help her file a motion for disbursement of the funds, and (4) Bishop was not clearly . identified as the successor trustee and she was unable to contact Charter Title Corporation, the 2 Chase bid $95, 798. 49. Ultimately, Chase received $95, 814. 82. The $ 16. 33 increase is attributed to the cost of conducting the sale and is of no consequence to the issues. 3 Ju' s ex-husband is not a parry to this appeal, and the issues raised in Ju' s cross- claim against her ex-husband are not at issue here. 4 JPMorgan Chase & Co is the parent company of Chase. 3 No. 46333 -4 -II original trustee. Ju requested that the sale be set aside and that she be entitled to sell the property without her ex-husband' s signature. Chase moved for summary judgment, arguing that Ju failed to present evidence to support her claims. Bishop also moved for summary judgment, arguing that Ju did not raise a triable issue of material fact as to whether Bishop met its statutory duty of good faith as trustee. The superior court granted both parties' motions for summary judgment. Chase and Bishop then moved for entry of partial final judgment under CR 54( b). In response, Ju requested declaratory judgment to remove foreclosure records from her credit report and argued that the motion for partial final judgment was actually,a summary judgment motion. The superior court granted the CR 54( b) motion, finding that partial final judgment was appropriate because the claims against Chase and Bishop had been resolved and there was no reason for delay. Ju appeals both orders granting summary judgment and the order for partial final judgment. ANALYSIS Ju appeals the superior court orders granting Chase' s and Bishop' s motions for summary judgment and the superior court' s order granting partial final judgment and dismissal in favor of Chase and Bishop. Ju argues that summary judgment was improper because Chase and Bishop did not address her allegations that the trustee' s sale was defective, the superior court should have allowed Ju to present an affidavit from her daughter, and the superior court judge was biased. Ju' s arguments fail.' 5 Ju argues that O' Neill violated RCW 61. 24. 060 and RCW 61. 24. 135. To the extent that Ju asserts claims in her against O' Neill, amended we do not address those claims. third party complaint and O' Neill is Ju did not assert a claim against O' Neill not 'a party to this appeal. Therefore, any claim against O' Neill is not properly before this court, and a claim that O' Neill failed to comply with applicable statutes is not properly asserted against Chase or Bishop. 4 No. 46333 -4 -II SUMMARY JUDGMENT A. ' Legal Standard 1. We review summary judgment rulings de novo. Lyons v. U.S. Bank Nat' l Ass' n, 181 Wn.2d 775, 783, 336 P. 3d 1142 ( 2014). same inquiry as the superior court. In reviewing an order for summary judgment, we perform the Lyons, 181 Wn.2d at 783. " Summary judgment is appropriate only if the record demonstrates there is no genuine issue of material fact and the moving parry is entitled to judgment as a matter of law." Lyons, 181 Wn.2d at 783. On summary judgment, the moving party bears the initial burden of showing the absence of an issue of material fact. Wash. Fed. Say. & 297, 325 P. 3d 383 ( 2014). Loan Ass' n v. McNaughton, 181 Wn. App. 281., If the moving party meets this burden, the burden then shifts to the party with the burden of proof at trial to demonstrate the existence of an element ,essential to that party' s case. Id. If the nonmoving party fails to demonstrate the existence of an essential element, then the court should grant summary judgment. Id. We interpret all of the facts, and inferences from those facts, in favor of the nonmoving party. Lyons, 181 Wn.2d at 783. We may affirm on any grounds established by.the pleadings supported by the record. Lane v. Skamania County, 164 Wn. App. 490, 497, 265 P. 3d 156 ( 2011). 2. Alleged Defects In Trustee' s Sale a. Appointment of successor trustee Ju argues that the trustee' s sale was defective because she was not provided notice of the prior trustee' s, Charter Title Corporation, resignation or of Bishop' s appointment as successor trustee. We disagree. RCW 61. 24. 010( 2) provides that a trustee is not required to resign from its trustee position; rather, a beneficiary can choose to replace a trustee 5 with a successor trustee. However, the No. 46333 -4 -II appointment of a successor trustee must be recorded with the county clerk before the successor trustee is vested with powers of an original trustee. RCW 61. 24. 010( 2). Furthermore, if a trustee chooses to resign, RCW 61. 24. 010( 2) requires the trustee to give written notice only to the beneficiary. Thus, even if the prior trustee was required to resign before a successor trustee is appointed, which it was not, Ju, as a borrower, would not have been entitled to notice under RCW 61. 24. 010. Here, Chase, as beneficiary, appointed Bishop as the successor trustee, and Ju was notified that Bishop the successor trustee was when Bishop sent Ju the NOTS on February 14, 2013. The NOTS identified Bishop as the successor trustee and provided contact information for Bishop. Moreover, the appointment was recorded at the Clark County Auditor' s Office on February 5, 2013. Upon recording the appointment of successor trustee, Bishop became vested with the powers of an original trustee, which included the power to initiate the nonjudicial foreclosure process. ,Bain v. Metro. Mortg. Grp., Inc., 175 Wn.2d 83, 93, 285 P. 3d 34 (2012); RCW 61. 24. 010. Ju fails to cite any authority that requires Bishop to do more than record its appointment as successor trustee with the county clerk. Because Ju failed to present authority supporting her argument that she was entitled to notice that the original trustee had resigned or that a successor trustee had been appointed, her claim fails. b. Defect in notice of trustee' s sale Ju claims that Bishop violated the CPA by deceptively listing Charter Title Corporation as the trustee on the NOTS. We disagree. RCW 61. 24. 040( 1)( f) provides a form for a NOTS, which requires identifying the trustee in the property description. In conformance with the notice form provided in RCW 61. 24. 040( 1)( f), the NOTS listed Charter Title Corporation as the trustee at the time of the sale in the original recorded deed of trust. The NOTS also listed Bishop as successor trustee. Ju has not C No. 46333 -4 -II offered any authority or argument to support the claim that the NOTS was erroneous or violated the CPA. Accordingly, her claim fails. 6 Irregularities at the trustee' s sale C. Ju. argues that the trustee' s sale is void under RCW 61. 24. 050( 2)( a)( i) because she challenged the sale. We disagree. RCW 61. 24. 050( 2) provides: a) Up to the eleventh day following the trustee' s sale, the trustee, beneficiary, or authorized agent for the beneficiary may declarethe trustee' s sale and trustee' s deed void for the following reasons: i) The trustee, beneficiary, or authorized agentfor the beneficiary assert that there was an error with the trustee foreclosure sale process including, but not limited to, an erroneous opening bid amount made by or on behalf of the foreclosing beneficiary at the trustee' s sale. Emphasis the trustee' added). Thus, to the extent Ju argues that her challenge to the trustee' s sale should void s sale pursuant RCW 61. 24. 050( 2)( a)( i), Ju' s claim fails. RCW 61. 24. 050( 2)( a)( i) does not provide for Ju, as a borrower, to declare the trustee' s sale and deed void, or assert an error with the foreclosure sale process. d. Collusion at the trustee' s sale Ju also argues that the trustee' s sale violated the CPA and that a " mistakenly low opening bid price; and the erroneous, unfair or deceptive sale process resulted in or contributed to a grossly inadequate sale price." Br. of Appellant at 42. Ju' s claim has no merit. 6 To the extent that Ju claims that the superior court judge erred by not asking Bishop what evidence Bishop had in complying with RCW 61. 24. 040, her argument fails for lack of a legal or factual basis. Ju did not allege that Bishop' s service of the NOTS was insufficient or that Bishop RCW 61. 24. 040 in her third party Accordingly, Bishop did not address RCW 61. 24. 040 in its motion for summary judgment. Thus, the superior court judge had no obligation to ask Bishop what evidence it submitted on) an issue not raised on summary otherwise violated judgment. 7 complaint. No. 46333 -4 -II RCW 61. 24. 135( 1) states in part: 1) It is an unfair or deceptive act or practice under the consumer protection act, chapter 19. 86 RCW, for any person, acting alone or in concert with others, to offer, or offer to accept or accept from another, any consideration of any type not to bid, or to reduce a bid, at a sale of property conducted pursuant to a power of sale in a deed of trust. The trustee may decline to complete a sale or deliver the trustee's deed and refund the purchase price, if it appears that the bidding has been collusive or defective, or that the sale might have been void. Ju argues that conduct of a, man yelling, " Wow! Wow! Wow! the Trustee' s sale. Br. of Appellant at Stop! Stop!" demonstrates irregularities in the 16. But Ju fails to support her argument with evidence or authority. She mentioned the yelling man for the very first time during oral argument the summary judgment at hearing and offered no evidence in support of the claim. There is no evidence in the record to support, or even raise a genuine issue of material fact, that there was any irregularity that occurred in the conduct of the trustee' s sale. Evidence regarding collusion at trustee' s sale Ju claims her daughter to irregularities the superior court violated write an occurred at ER 103', 6018, and 9019 by not allowing her " to ask Affidavit," which Ju alleges would have supported her argument that the trustee' s sale. Br. of Appellant at 36. Because Ju did not properly offer evidence, there was no evidence for the superior court to consider, and her claim that 7 ER 103( a), 2) Error may not be predicated upon a ruling which admits or excludes evidence unless a substantial right of the party is affected, and" when the ruling is excluding evidence, the " the substance of the evidence was made known to the court by offer or was apparent ( states: " from the context within which questions were asked." 8 ER 601 states: " or by court rule." Every person is competent to be a witness except as otherwise provided by statute J 9 ER 901( b)( 1) states: ` By way of illustration only, and not by way of limitation, the following are examples of authentication or identification conforming with the requirements of this Rule: 1) Testimony of Witness with Knowledge. Testimony that a matter is what it is claimed to be. 8 No. 46333 -4 -II p] ursuant to ER 103( a)( 2), ER 601, and ER 901( b)( 1), [ the superior court] should have allowed Ju] to tell her daughter to write an Affidavit" fails. Br. of Appellant at 37. We generally review evidentiary rulings for an abuse of discretion, but we review evidentiary rulings made in conjunction with summary judgment de novo. Davis v. Baugh Indus. Contractors, Inc., 159 Wn.2d 413, 416, 150 P. 3d 545 ( 2007) ( citing Wn.2d 658, 662- 63, 958 P. 2d 301 ( 1998) ( Folsom v. Burger King, 135 holding that an appellate court reviews all evidence presented to the trial court, conducts the same inquiry, and reaches its own conclusion about admissibility of evidence)). In opposition to Chase' s and Bishop' s summary judgment motions, Ju claimed that both Chase and Bishop violated RCW 61. 24. 135, the CPA, during the trustee' s sale. 10 Ju did not argue any specific facts or violations— her argument was simply that the sale was unfair. At the summary judgment hearing, the superior court asked Ju whether she had offered any evidence supporting her contention that misconduct occurred at the trustee' s sale. Ju responded that she had not offered any evidence to support her claim, but that she could ask her daughter, who Ju said was present at the sale, to write an affidavit. The superior court responded that the evidence was not before the court and that Ju had " ample opportunity" to offer sufficient evidence and that she made " no formal request for additional existence of a genuine time. issue And the factual record as presented, simply cannot substantiate [ the of material fact]." Verbatim Report of Proceedings ( April 4, 2014) at 30- 31. CR 56( c) provides that an adverse party may file documentation "not later than 11 calendar days before the hearing." Ju provides no basis upon which the superior court was required to allow Ju additional time to get an affidavit to support an argument she raised for the first time at the to RCW 61. 24. 135, the " Consumer protection act— collusive and defective bidding at a trustee sale. 7 Unfair or deceptive acts or practices," prohibits No. 46333 -4 -II summary judgment hearing. Accordingly, her claim fails and the superior court did not err by not considering evidence that Ju did not offer. 11 Sale price f. Ju further argues that the sale price was inadequate. We disagree. Generally, a foreclosure sale price is inadequate when it is less than 20 percent of the fair market value. Albice v. Premier Mortg. Services of Wash, Inc., P. 3d 1148 ( 2010), aff'd, 174 Wn.2d 560, 276 P. 3d 1217 ( 2012). 239, 543 for value of the property value of the property at $ 258, 811 fair market value. at $ purposes of in 2013. 157 Wn. App. 912, 932- 33, 239 Here, Clark County assessed the 2013 taxes. A real estate broker assessed the Ju agrees that the property sold at 74. 1 percent of the Ju has presented no evidence or argument to support her claim that the sales price was inadequate. Therefore, her claim that the sale price was inadequate fails. Surplus funds g. Ju further claims that Bishop failed to comply with some duty to timely deposit the surplus Rinds. Ju presents no factual or legal support for her contention that Bishop did not properly deposit the funds or mail notice. 12 Instead, Ju relies on RCW 61.24. 080, which states in part: Disposition of proceeds of sale— Notices— Surplus funds. 3) The surplus, if any, less the clerk' s filing fee, shall be deposited, together with written notice of the amount of the surplus, a copy of the notice of trustee' s sale, and an affidavit of mailing as provided in this subsection, with the clerk of the superior court of the county in which the sale took place. The trustee shall mail copies of the notice of the surplus, the notice of trustee' s sale, and the affidavit of mailing to each party to whom the notice oftrustee' s sale was sent pursuant to RCW 61. 24. 040( 1). The clerk shall index such funds under the name of the grantor as set 11 To the extent that Ju' s argument could be construed as arguing that the trial court should have granted a continuance for her to collect evidence, she has not offered authority or argument to support her claim that the trial court erred by not granting a continuance that Ju did not request. 12 Ju states that she. lives far away from her P. O. Box and that she was not able to retrieve her notice of the deposit until September 2013. She makes no cognizable argument that this statement is relevant to Chase and Bishop' s legal duties. 10 No. 46333 -4 -II out in the recorded notice. Upon compliance with this subsection, the trustee shall be discharged from all further responsibilities for the surplus. The relevant portion of RCW 61. 24. 080 does not provide a time frame in which the trustee must deposit Here, the trustee' funds. surplus s sale occurred on June 21, 2013. CP at 36, 102. After settling expenses, the surplus funds were deposited with the Clark County Superior Court on August 8. Under the facts of this case, Ju' s claim that Bishop failed to timely deposit the surplus funds fail as a matter of law. CR 54( B) AND DECLARATORY JUDGMENT B. Ju contends that the trial court erred by granting Chase' s and Bishop' s motions for partial final judgment. Specifically, Ju argues that " Chase and Bishop' s motions for partial final judgment should have been raised as a Motion for Summary Judgment" and is a " dispositive [ m] otion in disguise." Br. of Appellant at 5, 47. Ju also contends that her request for declaratory judgment was ignored. We disagree. We review a superior court' s entry of final judgment under CR 54( b) for abuse of discretion. Hulbert v. Port of Everett, 159 Wn. App. 389, 404, 245 P. 3d 779, review denied, 171 Wn.2d 1024 ( 2011). the CR 54(b) controls entry of judgments on multiple claims and provides that superior court must meet party against whom relief is four elements: "`( sought; ( 1) more than one claim for relief or more than one 2) an express determination that there is no just reason for delay; ( 3) written findings supporting the determination that there is no just reason for delay; and 4) an express direction for entry of the judgment."' Id. at 405- 06 ( quoting Fluor Enters, Inc. v. Walter Constr., Ltd., 141 Wn. App. 761, 766- 67, 172 P. 3d 368 ( 2007)). Ju cites no authority for and makes no argument to support her contention that any of her claims against Chase and Bishop survived summary judgment, or that the trial court otherwise improperly granted Chase and Bishop' s motion for partial judgment under CR 54( b). And w]here no authorities are cited in support of a proposition, the court -s not required to search out i 11 No. 46333 -4 -II authorities, but may assume that counsel, after diligent search, has found none." DeHeer v. Seattle v Post-Intelligencer, 60 Wn.2d 122, 126, 372 P. 2d 193 ( 1962); see RAP 10. 3( a)( 6). Accordingly, Ju' s argument that the superior court erred by granting Chase and Bishop' s CR 54( b) motion fails. JUDICIAL BIAS C. Ju claims that the superior court judge should have recused himself because he was biased against her. As support for her claim, she states that the superior court judge advised her to seek legal counsel and ruled against her, and that the superior court judge may have been prejudiced against her race and national origin. Ju7s claims fail for lack of factual or legal basis As a threshold matter, Ju the issue raises of judicial bias for the first time on appeal. Ju contends that her due process rights were affected by the superior courtjudge' s bias. Presumably, Ju is arguing that. this impairment of her constitutional rights triggers RAP 2. 5, allowing her to raise can her be claim of judicial by failing waived Lyons, 33 Wn. App. pro se litigants Avery, 114 Wn. bias for the first time to the machinery 123, 128, 652 P. 2d 18 ( 1982), are expected App. utilize on appeal. to comply However, " even available review constitutional rights for asserting them." Henriksen v. denied, 99 Wn.2d 1011 ( 1983). with procedural rules. And State Farm Mut. Auto Ins. Co. v. 299, 310, 57 P. 3d 300.( 2002). Because Ju failed to raise these issues below and did not utilize the available procedures by seeking the superior court judge' s recusal, she has waived the issue. See Henriksen, 33 Wn. App. at 128. A " trial judge is fully informed and is presumed to perform his or her functions regularly and properly 2012). without bias or prejudice." A party alleging judicial. bias Guardianship of Wells, 150 Wn. Tatham v. Rogers, 170 Wn. App. 76, 87, 283 P. 3d 583 must present evidence of actual or potential App. 491, bias. In re . 503, 208 P. 3d l l26 (2009). Without evidence of actual or potential bias, a claim of judicial bias is without merit. State v. Post, 118 Wn.2d 596, 619, 826 P. 2d 172, 837 P. 2d 599 ( 1992). 12 No. 46333 -4 -II Ju fails to point to any evidence that the superior court judge was biased against her. And, nothing in the record supports Ju' s .claims that the superior court judge had a " preference of dealing with attorneys, instead of [the] merit of the case," or that the superior court judge discriminated against Ju based on her race and national origin. Br. of Appellant at 16, 39. In her opening brief, Ju claims that while she was filing an ex parte motion, the superior courtjudge " unusually walked past her and looked this conduct at her amounted to at least twice." or reflected Br. of Appellant at 5, 31. judicial bias towards her. Ju fails to demonstrate how Ju also alludes to the superior court judge being biased in favor of Chase and Bishop. However, other than citing to the superior court judge' s rulings against her, Ju presents no evidence to support her inference of bias. Ju' s dissatisfaction with the outcome of the summary judgment hearing does not amount to judicial bias against her, and without evidence of actual or potential bias, her claim fails. We affirm. A majority of the panel having determined that this opinion will not be. printed in the Washington Appellate reports, but will be filed for public record in accordance with RCW 2. 06. 040, it is. so ordered. Lee, J. We concur: WorswiUP.J. i Maxa, J. 13

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