Blake v. Seterus, Inc.
Filing
20
ORDER Granting 11 Motion to Dismiss for Failure to State a Claim;. Signed by Senior Judge James Lawrence King on 9/13/2016. (jw)
U NI
TED STATES D I
STRICT CO U RT
SO UTH ERN D I
STRICT O F FLO RI A
D
CA SE NO .1 212256C1V- I G
K N
G EO FFREY BLAK E,on be fof
hal
hi s fand al ot r sm ia l st t d,
m el
l he s i l ry iua e
Pl ntf,
ai if
SETERU S,I C.
N ,
D ef nt
enda .
O R DER G M NTI
NG DEFEN DA NT' M O TI N T O DI I
S
O
SM SS
TH I M A TTER com es bef e t Cour upon D ef
S
or he
t
endant SETERU S, l C.s
N '
M o i n t DimisPli tf sCompli t( 1 ) fld M a 2 2 6. Upon r viw, h
to o s s an if
an DE 1 , ie
y 7, 01 1
e e te
matri r s l e purua t Rul 1 b) 1 o t Fe e a Ruls o Ci lPr e u e f r
te s e o v d s nt o e 2( ( ) f he d r l e f vi oc d r o
f l et pl d s a ng.
aiur o ea t ndi
BA CK G RO UN DZ
D ef ndant Se er i a m orgage s r ce f Fanni M ae. I s vi l ns
e
t us s
t
e vi r or
e
t er ces oa
t oughout t Unied St t , i udi M i iD a Count Fl i
hr
he
t
a es ncl ng
am - de
y, orda. W hen a
hom eow ner def t on t r m ont y m orga pa ent Set us i pos a tonal
auls
hei
hl
t ge ym s, er m
es ddii
f s t tm us be pa d i or rt sop a f e os e.D es t a conta ualoblga i t
ee ha
t
i n de o t
or cl ur
pie
r ct
i ton o
'Th Co r ha as c ie e Pli ips Co an ( 1 (he t
e u t s lo onsd r d: antf
mpl it DE ) t k
compl i ' fld
ant' ie
)
Aprl6,2 6;Pl itf' Re po ei Oppo iin t De e n ' M o i n t Dimis (
i 01 an ifs s ns n
sto o f nda ts to o s s DE
1 ) tldJ ne27 201 De e n ' Re y i S po tofisM o i n t Dimis( 1 )
5 ,le u
, 6; fnda ts pl n up r t to o s s DE 8 ,
fl J y 1 201
ied ul 5, 6.
2'he Com pl ntalege t f l ng f t , whi h t Cour a pt as tue a t s s a
r
ai l s he olowi ac s
c he
t cce s r t hi t ge
oft pr edi
he oce ngs.
onl cha ge bor ower f t t Se e us has ac ua l i r Set r de ands pa ent
y
r
r
s ees ha t r
t ly ncur ed, e us m
ym
o e tmae fe t taeprj ce t bei ure i t ft e.
f si td e s ha r oe td o nc rd n he uur
Pl ntf G eof r Bl pur has a hom e i Orando, Fl i t ough a l n
ai i f
fey ake c ed
n l
orda hr
oa
fom Am tus Ba w hi w as s cur by a m orgage on t pr t Pl ntf m ade
r
r t nk, ch
e ed
t
he opery. ai if
contnuous paym ent but f lbehi on hi l s e i e on or bef e Oc ober 201
i
s
el
nd
s oan om tm
or
t
0.
Am tus Ba as i
r t nk s gned Pl i if s m ort
a ntf
gage t Fa e M a a Se er bec e t
o nni
e nd t us
am he
s vi oft l w hie i w as i def ul. J 28,201 Popki & R os er P. . on
er cer he oan
l t
n a t On une
2,
n
al , A ,
be f ofFa e M ae,t ed a compl i i t N i h J ci lCi c t f Or nge Count
hal
nni
ql
a nt n he nt udi a r ui or a
y
t i ta e af e os e on Pl ntf spr t
o nii t or cl ur
ai if opery.
On or about J 2014,Pl ntf ,t ough hi f ecl ur at ne s a w rten
une
ai if hr
s or os e tor y, ent
it
l te t D e enda Se er a r
et r o f
nt t us nd equesed t a ountneede t r i t t hi l . O n or
t he m
d o e nsa e s oan
a
bout J
une 30, 201 Set us r s
4, er e ponded i a l te and advi ed Pl ntf t i was
n
etr
s
ai if hat t
k e pondi t your r
is
r
ng o
eques f t am ount r r t r i t e t above r er ed
t or he
equied o e nsat he
- ef enc
l a t c re tsaus'a t t S th s c
o n o u r n tt ' nd ha s j i ommu c ton i fo a d b c le t r a we
g
ni ai s r m
e t o lc o s
s etm es ac as a de colec or W e a e a t m ptng t c l a debt' I t l te ,t
om i
t
bt l t .
r te i o oled
. ' n he e t r he
tt amountPl ntf wasr r d t pa t r nsae hi l n was$92, 74 by J
oal
ai if
equie o y o ei tt s oa
938.
une
30,201 or$94, 49 i pad bewe J y 1,201 a J y 18,201 The t a a
4
895. f i t en ul
4 nd ul
4.
otl mount
duei ude $28, 00 ofC tmaed Cha ges'c
ncl d
695.
i i t
Es
r ' omprs of$20, 00 f t tmaed
ied
750. or d i t
Es
Ator y Fees' $85. f an ûEsi t Br
t ne
,'
00 or
k tmaed oker Prc Opi onr' $7, 00 f
ie
ni '
800. or
' tm ae Ot e Coss' a $ 0 f r t tmae No Co t d l pe ti l' The e
û i td h r t, nd 60.0 o i i t d
Es
'
Es
n a ns c gons .
' s
l si t d' mo nt we eba e o p o e ons i t e n t tPli tf d d no a t ly
ç tmae 'a u s r s d n r j di , n he ve t ha an if i t cual
e
pay bef e a ce t n f ur da e and cerai e
or
rai ut e t
t n vent r a i t f ecl ur occur ed. On or
s el tng o or os e
r
2
aboutJ y 10,201 Def ndant Se er s a nea l i i I te t Pl ntf ,e pt
ul
4,
e
t us ent
ry dentcal e t r o ai if xce
t tt r nsaementamounthad c
ha he ei tt
hange t $86, 49,i pai bew e J y 10,201
d o
975. f d t en ul
4
a J y 1 201 Se e us f l t pr de a i or aton or expl ton c
nd ul 7, 4. t r aied o ovi ny nf m i
ana i oncer ng
ni
t k tm a ed O t Cos s' Set us none hel s dem a d t Pl i if pay t t al
he k i t
Es
her
t .' er
t es
nde he a ntf
he ot
a ountdue t r ns a e hi l n,i udi te tm a ed' a ount .
m
o ei t t s oa ncl ng ls i t ' m
s
Pl ntf cl m st ,by t ki es i at f ont t r ns a e e am ount and
ai if ai hat
ac ng tm ed ees o he ei t t m nt
,
f lng t pr de i or aton i a cl a cons cuous m a r Set us fusr t t
aii o ovi nf m i n
ear nd
pi
nne , er r ta ed he
Pl i if sabiiy t r nsat hi l and c ed hi t i
a ntf
lt o ei t e s oan
aus
m o ncur f t r a t ney' f a
urhe tor s ees nd
cos si conne i w ih def ndi t f e os e ac i
t n
cton t
e ng he or cl ur ton.
On Apr l1 201 Pl ntf tl t s Com pl nt whi h s a est ee count Count
i 6, 6, ai if s ed hi
ai , c t t hr
s:
I - Vi lto oft Fl rda De e tve a Unf i Tr d Pr ci e Ac j 5 . 34 )
o ai n he o i
c p i nd ar a e a tc s t j 0120 3 ,
5 .04)Co nt1 Vi ai n oft Re lEsa e Sete ntPr e u e Ac 1 U . C.j
012
u 1 olto
he a tt tlme oc d r s t 2 S.
26 ( ; Co t I1 Vi lto o t e Fl rda Co u r Cole o Pr c ie Ac j
05 k) un I o ai n f h o i
ns me
l di n a tc s t
5 9.2( .
5 7 9)
LEGA L STAND AR D
Su j c mat rj iditon ma b c le ed fc al a f cua l und rRul
b e t te urs c i
y e ha lng a i ly nd a t l
y e
e
1 ( ) 1 oft Fe r lRuls o Ci lPr c d r .M c a tr v
2 b ( ) he de a
e f vi o e u e M se .Unie St e ,1 7 F.
td ats 7 3d
93 94 ( 1h Ci. 1 9) Fa il c le e c ie onl t e s fce y of t
6, 0 1 t r 99 . ca halng s onsd r y h ufi inc
he
eompl i ,t ng isalegatons a tue.Od s y M arneEx or i I v Uni nt d
a nt aki t l i
sr
ys e
i
pl aton, nc . de 6e
.
Shpwr c e V s e ,65 F.d 11 9 1 6 ( 1h Ci. 1 ;M c a tr 1 F. a 940.
i e k d e s l 7 3 5 , 1 9 1 t r 201 ) M se , 77 3d t
D ef ndanthas l
e
odged a f alatac dl a l ng t s fci
aci t k. ûn na yzi he uf i ency oft com pl nt (h
he
ai , t e
Co q lmigj (tl c nsd r ton t t welpla e f cua al g ton ,do ume s
ur i ts is o i e a i o he l- e d d a t l le a i s c nt
c n r lt o r f r nc d i t c mpl it a mat r j i ily no i e ' La Gr sa v
e ta o r e e e e n he o an , nd te s ud ca l tc d.
'
at .
Fis Unin Se .I .358F.d 8 8 ( 1hCi. 04 .
r t o c, nc,
3 40, 45 1 t r 20 )
Thepa t i ki f d r l urs ito b a st bu d n ofe t bls ng sa di
ry nvo ng e e a j id ci n e r he r e
sa ihi t n ng.
Lua v Dej o Wldl ,5 4 U. 55 61 ( 99 .To e t bls sa i a pl i if
j n . f . f ' # 0 S. 5,5 1 2)
l
sa ih t ndng, antf
mus s w ( 1 a n uy i fc,me ni a ij r t ti c c eea pa tc aie
t ho 6 ) nij r n a t a ng n n u y ha s on rt nd riulrz d,
4
a d a t l o i n n,( a c u a c ne ton bewe n te ij r a d t c u a
n cua r mmie t 2) a s l on ci
t e h nu y n he a s l
c nd t a ()a lk i d t tt ij r wilber de s d b afvo a ede iin.
o uc, nd 3 iel
hoo ha he nuy l e rse y a rbl cso '
'
Gr ieSt eOudoo Adv r,I .v Ci o e r tr 351F.d 1 l 1 1 ( 1hCi.
ant at t r e nc . t fcla wae ,
y
3 1 2, l 6 1 t r
2 3) Ea h ee n i ç n i ipe s bl pa t o t pli ifs c s ' a t t b
00 . c l me t s û nd s n a e r f he antf a e' nd k
a
mus e
s
uppore i t s e w a asany ot m ater on whi h t pl i ifbea s t bur n of
t d n he am
y
her t
c he a ntf
r he de
pr ,ie. w ih t m anne and degr e ofe denc r r a t s
oof . , t he
r
e
vi e equied t he ucces i s a of
sve t ges
t ltgai 'Lu an,5 U. a 5 1 i he e a h r ,a c s i a t pl a i sa e
he ii ton. j
'
04 S. t 6 . f r , s e e a e s t he e dng t g ,
W
t pl ntf m us S ea l ...alege f t de onsr tng'eac el e .'Spokeo,I v.
he ai if
t cl ry
l
ac s m t a i
h em nt'
nc.
Rob n , 1 6 S.Ct 1 40 1 47 ( 6 ,a r vie ( a 2 2 6 ( uo i Warh v
is 3
. 5 , 5 201 ) s e s d M y 4, 01 ) q tng
t .
S di 4 U . 490, 1 ( 9 ).
el n, 22 S. 5 8 1 75 )
AN ALYSIS
The Co an fis t ce ry alg fcs de nsrtn a ij r i fc,
mplit al o lal le e a t mo taig n nu y n a t
me ni a ij y t ti c nceea patc aie a a t lori ne t a as
a ng n nur ha s o r t nd riulrz d, nd cua mmi n, nd lo
f i t ce ry alge f csde tai a c us lc nne to bewe n t ij y a t
al o la l le a t monsr tng a a o c i n t e he n ur nd he
s
c uslc nd tPli ifcli t tt f lwigs ne c i s fiin t s w a ij r
a a o uc. antf ams ha he olo n e tn e s u fce t o ho n n uy
i f ctc ed by Def ndantsi uson ofi tm a ed' f
n a aus
e
' ncl i
l i t ' ees:
es
4
By c r ng e tm a e f est cked on t t r nsa ementam ount and f lng
ha gi s i t d e a
o he ei t t
,
aii
t pr de i o m a i i a cl r a cons c
o ovi nf r ton n
ea nd
piuous m a r Se e us fusr t
nne , t r r ta ed
t Pl ntf ' abiiy t r ns a e hi l n a c us hi t i ur f t r
he ai if s lt o ei t t s oa nd a ed m o nc urhe
at ne sf esa cossi connec i wih de endi t f ecos e a i
tor y' e nd t n
ton t f ng he or l ur cton.
DE 1a !51 Co cuso ,s h a t ec am t a De e d n ' c nd tSr ta e t e
t . n l ins uc s h li h t f n a ts o uc d usr td h
f
Pl ntf abiiy t r i t e hi l n and c us d hi t i urf t ator y' f sa
ai ips lt o ensat s oa
a e m o nc urher t ne s ee nd
c t ,'mus be s
oss'
t uppored by f t la l tons To esabls ca a i Pl ntf m us alege
t
acua lega i .
t ih us ton, ai if
t l
f css o n t a b tf rDe e a tswr ng ul o d th wo dno h v be n fu tae
a t h wi g h t u o fnd n ' o f c n uc e ul t a e e r sr td
i hi a lt t r i t t t l n.
n s biiy o ens ae he oa The r ani a l tonsoft Compl ntct by
em i ng lega i
he
ai ied
Plitf a esmi ry e n l o y. e DE 1a ! 7 ,8 , 6.
an if r i l l o cus r S e
a
t! 4 08
Acc di y,i i O RDERED,ADJUD GED ,a DECREED :
or ngl t s
nd
1. endan ' M o i t DimisPl ntf' Compl nt( 11 be,a t s me
Def
ts ton o s s ai ifs
ai DE ) nd he a
i, r byGRANTED,a t Compl nt( 1)be andt s mei,he e
s he e
nd he
ai DE
, he a s r by
DI I
SM SSED W I O UT PREJUDI
TH
CE;
3.De e ntsM oton t St y D ic l Pe ng Diposton ofPe ng M oton
f nda '
i o a s ove' ndi
y
s ii
ndi
i
t Dimis( 1 be a t s mei,herby DENI AS M OOT;a
o s s DE 9) , nd he a s e
ED
nd
4.s d he el tt do s Pl ntf m a tl a a e d com pl i w ihi t
houl
ec o
o, ai if y 5e n m nde
ant t n went
y
( daysoft daeoft sOr .
20)
he t hi der
DONE a O RDERED i Cha be sa t J m esLa r nceKi Fe r J tce
nd
n
m r t he a
w e
ng de al usi
Buidi and Unie St t Courho ei M im i Fl rda t s 1 h day fSe embe , 2016
l ng
t d a es
t us n a , o i , hi 3t
pt
r
.,
(
/
f
V
.'
,e
-
'
'
cc:A I counselofrecord
I
J M ES LA
N CE KI
NG
I
TED STA TES D I
STR I J D G
CT U
SOU THERN DI
STRI OF FLOI 2 A
CT
U
:
.
Disclaimer: Justia Dockets & Filings provides public litigation records from the federal appellate and district courts. These filings and docket sheets should not be considered findings of fact or liability, nor do they necessarily reflect the view of Justia.
Why Is My Information Online?