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Rabino v. Asset Foreclosure Services, Inc.

United States District Court, District of Nevada

March 16, 2015

MAFE RABINO, Plaintiff,
v.
ASSET FORECLOSURE SERVICES, INC., et al., Defendants.

ORDER GRANTING IN PART AND DENYING IN PART MOTION TO DISMISS, AND GRANTING MOTION TO CANCEL LIS PENDENS (DKT. #4, #6)

ANDREW P. GORDON UNITED STATES DISTRICT JUDGE

Plaintiff Mafe Rabino brought this lawsuit following foreclosure on her property. Defendants move to dismiss Rabino’s complaint and to cancel the notice of lis pendens recorded against the subject property. Defendants argue that the recorded documents, which are subject to judicial notice, establish that the foreclosure was proper and therefore Rabino’s first cause of action for statutorily defective foreclosure should be dismissed. Defendants also argue Rabino’s claims under the Truth in Lending Act (“TILA”), Real Estate Settlement Procedures Act (“RESPA”), Fair Debt Collection Practices Act (“FDCPA”), and Nevada deceptive or unfair business practices law also should be dismissed on various grounds. Finally, defendants contend Rabino’s civil conspiracy claim was not pleaded with particularity and should be dismissed because there is no underlying tort on which the claim is based.

I. BACKGROUND

In June 2007, Rabino borrowed $650, 000 from Linear Financial, LP to purchase the subject property. (Dkt. #4-1 at 2-3.)[1] The loan was secured by a note and deed of trust which named United Title of Nevada as the trustee. (Dkt. #4-1 at 2-3.) Linear transferred the loan to Wells Fargo Bank, N.A. shortly thereafter. (Dkt. #4-1 at 26.)

Rabino alleges that she stopped making payments on her loan after Wells Fargo told her she could obtain a loan modification only if she was in default. (Dkt. #1 at 6.) According to Rabino, Wells Fargo thereafter sold her loan and told her she would have to negotiate with the new owner. (Id. at 6-7.) Wells Fargo transferred the deed of trust to Kondaur Capital Corporation in September 2010. (Dkt. #4-1 at 30.) Kondaur transferred the deed of trust to defendant Marchai B.T. in April 2011. (Dkt. #4-1 at 32.) According to Rabino, she was not informed that her loan had been transferred to Marchai. (Dkt. #1 at 7.)

In April 2012, Marchai substituted David B. Sanders of The Hopp Law Firm, LLC as the trustee. (Dkt. #4-1 at 35.) According to Rabino, she was not informed about this substitution. (Dkt. #1 at 7.) Sanders recorded a notice of default and election to sell the subject property on June 20, 2012. (Dkt. #4-1 at 38.) The notice of default included an affidavit of authority to exercise the power of sale identifying the names and addresses of the trustee, the current holder of the note, the current beneficiary of the deed of trust, and the debt servicer (defendant Bridgelock Capital). (Dkt. #4-1 at 40-41.) Rabino alleges she was not informed that Bridgelock Capital was her servicer. (Dkt. #1 at 7.) On September 13, 2012, Marchai substituted defendant The Hopp Law Firm, LLC as trustee. (Dkt. #4-1 at 45.)

Rabino elected to participate in Nevada’s Foreclosure Mediation Program. (Dkt. #1 at 8.) The mediation conference was scheduled for December 20, 2012. (Id.; Dkt. #4-1 at 49.) Rabino alleges that a week before the scheduled mediation someone claiming to be Sanders’ secretary told her the mediation was canceled because Sanders had been replaced as trustee and the process would have to start over. (Dkt. #1 at 8.) However, the mediation apparently went forward, Rabino did not attend or failed to produce necessary forms, and the program issued a certificate allowing the foreclosure to proceed. (Dkt. #1 at 48.) According to the complaint, Marchai was a defunct entity at the time of the mediation. (Dkt. #1 at 11, 55.)

A little over a year later, Marchai substituted defendant Asset Foreclosure Services, Inc. as trustee. (Dkt. #4-1 at 47.) According to the complaint, defendant Georgina Rodriguez contacted the Nevada Foreclosure Mediation Program in November 2013 on behalf of Asset Foreclosure Services and obtained a replacement certificate from the program allowing the foreclosure to proceed. (Dkt. #1 at 8-9, 46; Dkt. #4-1 at 49.) Rabino alleges that the employee at the Foreclosure Mediation Program did not know that Asset Foreclosure Services was not the trustee that attended the December 2012 mediation. (Dkt. #1 at 9.)

Defendant Peak Foreclosure Services, Inc. recorded the replacement certificate on behalf of Asset Foreclosure Services on April 23, 2014. (Dkt. #4-1 at 49.) Rabino alleges Peak’s recording was deceptive because Peak was not the trustee of record at the time. (Dkt. #1 at 10.) The certificate identifies Asset Foreclosure Services as the trustee. (Dkt. #4-1 at 49.) Peak also recorded a notice of trustee’s sale on April 23, 2014. (Dkt. #4-1 at 51.) The notice of trustee’s sale identified Asset Foreclosure Services as the trustee. (Id.) Marchai purchased the property for $439, 000 at the trustee’s sale on May 15, 2014. (Dkt. #4-1 at 55.)

Rabino filed her lawsuit in this court asserting claims for statutorily defective foreclosure and violations of TILA, RESPA, the FDCPA, and unfair business practices. Rabino also alleges the defendants engaged in a civil conspiracy. Defendants move to dismiss the complaint.

II. DISCUSSION

Pleadings prepared by pro se litigants are held to less stringent standards and are liberally construed. Haines v. Kerner, 404 U.S. 519, 520 (1972). However, “[p]ro se litigants must [still] follow the same rules of procedure as other litigants.” King v. Atiyeh, 814 F.2d 565, 567 (9th Cir. 1986). In considering a motion to dismiss, “all well-pleaded allegations of material fact are taken as true and construed in a light most favorable to the non-moving party.” Wyler Summit P’ship v. Turner Broad. Sys., Inc., 135 F.3d 658, 661 (9th Cir. 1998). I do not necessarily assume the truth of legal conclusions merely because they are cast in the form of factual allegations in the complaint. See Clegg v. Cult Awareness Network, 18 F.3d 752, 754-55 (9th Cir. 1994). A plaintiff must make sufficient factual allegations to establish a plausible entitlement to relief. Bell Atl. Corp. v. Twombly, 550 U.S. 544, 556 (2007). Such allegations must amount to “more than labels and conclusions, [or] a formulaic recitation of the elements of a cause of action.” Id. at 555.

A. TILA

Count two of the complaint alleges that Rabino was not informed that her loan was sold to Marchai or that her servicer had been changed to Bridgelock Capital, and that this conduct violates TILA. Defendants argue Rabino’s TILA claim has no application to alleged failures to disclose information after the ...


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