Sieben et al v. Countrywide Home Loans, Inc. et al

Filing 38

ORDER. IT IS HEREBY ORDERED that the 7 Motion to Remand is DENIED. FURTHER ORDERED, the 8 Motion to Stay is DENIED as moot. FURTHER ORDERED, the 6 and 27 Motions to Dismiss are GRANTED as to the first cause of action, GRANTED as to the third , fourth, and tenth through twelfth causes of action with respect to the non-MERS Defendants, and DENIED as to the remaining causes of action for lack of jurisdiction, as these currently remain with Judge Teilborg in Case No. 2:09-md-02119-JAT in the District of Arizona. Signed by Judge Robert C. Jones on 10/28/2010. (Copies have been distributed pursuant to the NEF - KO)

!
.

;
k
.

j l !

FI l
.

ET)EI NEII I t ?

jr gy; . - -- jgl z r sgyl gj az
y;yyjj .j yy;y jyyj ys y; yjj jj . y yy
..

l
:

l
!

j
l

4
5
'

UNI ED STATESDI TRI T, '- RT- T S C CPI= J
DI T R I T O F NEV A D A S C

El l i rOF NE AM ls R c V CEFOT Y

6

J NATHON E. EBEN e a. O SI t l,
7 .8 9 vs .

i
1 0
1 1
1 2
!

COUNTR

) ) Pli tfs an if , ) ) ) ) E HOME LOANS,NC. tal, ) I e. ) oe e da t. rn ns ) )

3:9- v 006 2- CJV PC 0 c- 4 R -

ORDER

i ! . 1

n i c s a iesou t ef r co t eofPl itfs mo ta e ont o p ope te .Pe dig s a e rs t h o e lsl r a n if ' rg g s w r ris n n

1 b f r t e Cou ta e f urmoto s t o m oto s t dim i s a m oton t re and,an( a m oyon t 3 eee h rro in : w in o s s , i om j jo
1 s y. Pl i tf shave notr sponded t t e m otonst dim i sbuthavefl d notcest att ey 4m a n if e ob i oss ie i hh 15 i t nd nott r s ond untlt ei m oton t r m and i r s l ed. Fort e r asons gi en her i ,t e ne o ep ih r i oe s e ov ! he v en h

1 Cour g a t t em otonst di m i si pa t nd d ni st e î pa t de i s t c m o i n t r m a d, 6 t r ns h i o s s n r a e e h m n r, n e h to o e n
l7 and denis t e m oton t s ay asm oot eh i ot .
-VPC Sieben et al v. Countrywide Home Loans, Inc. et al Doc. 38

18 1. '

FACTS AN D PRO C ED U M L H I T O R Y S

'

1 9
20
21

Pl i tf sa e Ca re A.Si bc , ona ho E.Sibe ,a d Li da La t n. The ffy- ev n a n if r r i e nJ t n enn n wo z it s e

' hi c nsiutsc ns n t pa tn t emo i ns L. .Ci . a .7 2( ) T s o tt e o e t o n ig h to . R v Pr c - d .

22 zwnda Law t n' r l tons i ,i any,t Pl i tf s'ator ey Ri k Lawt n i unknown:but li o s e ai h p f o a n if t n c os 23 i t ey ar husband and wie M r Lawt n m ay have vi l t d hi et i aldut t avoi conf i r of fh e f. o o ae s h c yo d lc s

i tr s b o t i i ga e on m i it rs i t es b e tma trofltgai n i whihhea pe r n e e : y b a n n n c o c n ee t n h u j c te ii to n c p as 24 a a atr e . eNe .R. of Cond c l8()(' lwy rs aln ta quieaprpreay s n to n y Se v Pr . u t . i : a e h l o c r o itr A i tr s i t ec us ofa tonors bic mate ofI i ai nt e Iw ye i c ndu tng f ra n e e t n h a e ci u e l tr i g to h a r s o c i o t 25 clent i '. ' )
. .. .

4

Dockets.Justia.com

'
l

1 page f r Com pl i tconsit l r el ofgener lzed gr evances aboutt e m orgage and banki g om an ss a g y ai i b l n

2 id sre .n eeaesm erlva tfcspe teen,ho e e ( e inigonpa e26ofte n u tis r r o ee n a t ld b ri w v r b gn n g h

3 Complit, ndwh ti lc igi teCo pliti a aia l i terquet frj diil ie an) a a s a kn n h m an s v lbe n h e ss o u ca notc
4 Gl d by varousDef ndant . e i e s

5

On Ocobe l ,2 04, antfsJ naho a dCa reSib n,hus a da d wie(t e t r 2 0 Pli if o t n n ri e e b n n f th t
.

J '

6 Sibe s', veapr m is r n t a d de doftus (t O T' t lnde Count wieHo e e n ' ga ) o soy oe n e r t ç D 'oe r ) ld m y

7 Loa s lc.d ountpvie'f r$5 0,0 i ore t puc a era pr p rylc tda 1 30 n ,n 't r d ' o 4 0 0 n d r o rh s e l o et o ae t 9 tc )
8 Dra Sk CttG eDra SkyPrpet '.se Dra SkyDOT 1 4,Oc.1 , 4,ECFNo. e m y .'b e m t o r/ )L e e m t 2 200 9 5 Ex.A) Thetuse onteDra Sk DOT i CRU Re lEsaeSewie (: RC'.âc i.2 . , . r te h e m y s a tt l c s t ' ('e d ) C)
1 0 On Apr l 200 ,t e Si be sga e a pr m is r n t a d D O T t Cou lyw i e f r i 6, 5 h e n v o soy oe n o nr d o

l1 $949000i or e t pu c a er a p op ryl c td a 1 9 5RueduPa c(theRueduPa c , n d r o r h s e l r e t o ae t 6 6 r çt r

1 Pr per '.Se Fis Rued PacDOT 1., . 200 ,ECFNo. Ex. .Thetuteo 2 o r/ )( e rt ur - Apr 6, 5 4 5, D) r se n

1 teFis Rued PacDOT i Re ontu tCo.N. .t e onrs'.(e i.2) OnMay6, 05 3 h rt ur s c r s , A (t c tu t) S e d . R ' 20 ,
1 t eSibe sg vea ot e pr m is r not a dDOT t Countywi ef ra $80,00 h m ee uiy 4 h e n a n h r o so y e n o rdon 0o qt

1 lneo ce i(t ELOC',sc rda ais teRueduPacPrpet.('cSe on Ru d Pac 5 i f rdt t H ' e u e g n th ) r o ry sc c d e u r 1 DOT 1 3, a 6, 6 - M y 2005, No. Ex.) Thetu teonteSe on RueduPacDOT i ECF 5, J. r se h c d r s
l Re ontu t( e i.2 .OnNove be 9,2 06,heSibe sga eye a oh rprm is r n t a d 7 c r s.S e d ) m r 0 t e n v t n te o so . oe n y
l DOT t Cou tywi ef ra$308000HELOC,s curd a ans t eRucd PacPr pe t . 8 o nr d o , e e g i th u r o ry

1 ( e Thid Ru duPac DOT 1 3, 9 Se r e r - Nov.9 200 ,ECF No.5, L) ,6 Ex. .
20 Afe be o i g de i q e ton t e$308, 00 HELOC, ai tfs sgne a l a t r c m n ln u n h 0 Pl n if i d o n

21 modiia i na r e e t(t M A' .Se LM A , c. 2008, No. Ex. .Thec pyo t e fc to g e m n t L '( e ) De 3, ECF 5, N) o fh 22 LM A a duc d b De e da t i note e utdby Countywi e howe e .( e i .4) Pli tfs d e y fn n s s xc e r d, v r S e d . an if
23 alege t have as i ned t e rght t t e caus sofacton ast t e Rue du Par Pr peny t Li da lo sg h i soh e i oh co on

24 La tn.(e Compll33) Th sa eofa dsauor prprer of frcos r i noîclar No wo Se .j . e tg ; n ttr y o i y l o e l ue s e.
25 notce ofdef ul appe r i t e r cor so t e Coun cannotdet rm i e whet era pr perpary i at asn h e d h en h o t Page 2 of 1l

1 r c r ed i,i one hasbeen r cor ed atal. eod t f ed l

2

Pl i tf s s e D e e da t Coun r i e; untyw i e Fi a c a Co p. M e s or , nc. a n if u d f n n s tm d Co r d n n i l r ; r c p l , .

3 Morga eElcrni Re itainSyse s lc.: ERS',Ba kofAmeiaCop.N. . t g e to c gsrto tm ,n (t M 'n ) rc r , A ;
4 Re on r s Co. N . . Bl nc Sc t;Pa rci F.Ki d;a d Li a Klm e ko i sat c u t a s r i g c t u t , A ; a a o - ti a t d n s i n n t e o r , s e tn
5 f urten caus s ofacton. Def ndant r m oved. n e c s wastans er ed t M D L CaseN o. oe e i e se ae r fr o 6 2l19 i t eD it i tofA rzona,and t i Cour sayed t e cas pe di g r m and. l accor ance n h s rc i hs lt h e nn e n d

7 w ih t eJ di i lPa e on M uli iti tLii a i n' p r i lr m a d or er J d e Te l or ha t h u ca n l td s rc tg to s a ta e n d , u g ib g s 8 de e m i e t a t e fr tc us o a ton a d pa 'oft e t id, ourh, nd t nt t r ugh r e th t r n d h t h ls a e f c i n l h h r f t a e h h o t w lt

9 c us sofa to (ns fra te don tc nc r MERS)ha ebe nrma de t ti Cour.(e a e cin i oa s h y o o en v e e n d o hs t Se 1 Am. de 8:6-1 J ne4, 0l ECFNo. 4) n eCo r ma t eeor r l onteflo ig 0 Or r 1 7, u 2 0, 2. u t y h rf e ue h olw n ll ca s sofa tonwihou ars ofic nsse trlng b teMDL c u :()Unfi Le dig u e ci t t ik n o itn ui s y h o n 1 ar n n 1 Prcie Unde Ne a aRe ie Sttl s($ RS' Se ton5#9D.00;()Ij n tveReif ( ) 2 a tc s r v d vs d att ç ' ci eN ) 1 3 nu ci le; 4 1 De lrtr Rele;( 0 CiiCo s ia y;( 1 Ra kee rngUnd rNRS Se to 207.7 ,a d 3 caao y if 1 ) vl n prc 1 ) c tei e cin 4 0. n l ( 2 Unus En ih e t 4 1 ) j t rc m n .
15 II. LEG A L STAN D A R D S

1 6
1 7

A.

Remandf rLa kofSubjctM ate Jurs iten oc e tr idci

Fed r l oursaec ursoflmiedj rs iton, ssigo l tos powc.grntdby ea c t r o t i t u idci pose sn ny h e ! ae s

1 t eConsiutona dsamt. eeL 7f#Sttsv Mars, F.d799, 1 ( t Ci. ) 8h tt i n t e S &ic ae . k 530 3 8 0 9b r2008

1 (iigKok one v Gu r inLieu7.Co.f Am.51 U..3 5,3 7(99 ).Thepat 9 ctn k n . a da f f. ?s ? , l S 7 7 1 4 ) f ry 2 as rigfdealu idit nbc r tebude ofov romigteprs mptona ais i. 0 se t e r jrs ci as h r n n o ec n h e u i g n tt
21 Kok o e ,5l U.. t377.Fed rl eofCiiPrce ue1 ()1 pr vie a afr atve knn 1 S a e a Rul vl o d r 2b () o d s n fim i

22 dee s f rlc ofs be tmatrurs iton. d. Ci. 1 b)1.Addiinal , c ur fn e o a k u j c te j idci Fe R. v P. 2( () to ly a o t
23 ma rietequ sinofs b e tmatrirs itons as ont a a ytm ed rnga a ton. y as h e to u j c tc u id ci u p e t n i u i n ci
24 Ulie Sl ls! M om t- oil , 4 F.d 81 ,830( t Ci. ) Reg r ls ofwho r ie ltd a e ' l o M llo 33 3 9 . 9 h r 2003 . a d e s ass

25 teis e.- h nafderl our c n ld sta ilc ss hic- atr u iditon,hec ur mus h su ' e e a c t o cu e h tla k u e tm te j rs ci t o t t w
Page 3 of ll

p , 4 S 500 4 2 6 ctn 1 dim i s t e com pl s ti is entz t t' b u h v J1./Cor . 5 6 U. . ,51 ( 00 )( ii g ssh a n n t ie -y'Ar a g . ' /

2 1 J Moor e a.Mo r ' Fed rlPrcieâ 1 6.6()pp.1 6- 8t 1 689(de . ). 6 . e t 1, o es ea a tc 0 6 1, 0 8 o 0 - 3 d 2005) 3 A dikit ur'j rs itone tnd t c ssrmove fom sat c ur un e pm iulr s c co ts u idci xe s o ae e d r t e o t d r c a

4 cr umsa c s 28U.. .j1 41 )(l nycvia to ofwhihtedititc u t ha eorgia ic tn e . SC 4 1 t A i l cin c h src o rs v i n l

5 j rs ito fu d do acam o rg t rsn u d rteCo si t n te t so lwso te u idcin o n e n li r ih aiig n e h n t i ,rai r a f l mo e l
6 U nied St t ss al be r m ovabl w ihoutr gar t tl cii ens i orr si ence oft e pari s. t ae h l e et e d o le tz h p e d h tc

? Anyote s c a tons al rmova l onyi n neo ttpate i itrs prpel j ie h r u h ci h lbe e b e l f o f h ris n neet o ry on d
8 a ds reda dee da t i aciie ofteStt i whihs c a toni brught'.l cae n ev s fn n s s tz n h ae n c u b ci s o .) . ss 'n 9 rmo e fom saec u tafdea c u tae tn igalc ofs be tmatrjrs ito doe e v d r tt o r, e rl o r ltri dn a k u jc te u idcin s 1 notdimis b tmus rma dt saec u t28U.. .j1 4 () A de iint rma dac s 0 s s, u t e n o tt o r. S C 4 7 c. cso o e n a e

1 rmo e ona yote bai ta ciirg t rmova j rs itonunde 28U. . . 1 çi not 1 e v d n h r ss h n vl ihs e lu idci r SC j 443 ss
1 rviwa l ona pe lorote ie. 28U. . .jl 4 () 2 e e be p a hm s ' ' SC 4 7 d .
1 3 A de e ti r m ova e it whe ej rs iton i p edcae pur l on di e st a doneor fc n e l x ss r u id ci s r i td ey v riy n

l mor de e d nt i actz noft ef r m sac. e j 1 41b) Thi i t ek o ut de e d nt 4 e f n a s s iie à o u t t S e 4 ( . s s h l r rl f n a ' f ' 1 r l .Howe e ,leciie s i ofade e da twhoha be n ga dulntyj i e i dico ntd. 5 ue v r tl tz n hp fn n s e u e l on d s s u e

l Ric i v Up oh Dr g Co. 1 9F.d1 3 1 1 (t Ci.1 98 .' heefa due t oide i 6 the . j n u , 3 3 31 , 3 8 9h r 9 ) W r ru ln j n r s
1 a l ge , c ul d esnott ke t e a l ga i ns ofc tz ns i i t e c m pl i ta t u b tpe m is 7 le d a o ' o t a h le to ii e h p n h o an s r e u r t

l tedee da tse igr mova t prsntfcss o igfa d lntoide.Se i.t oid ri 8 h fn n e kn e lo ee a t h w n ru ue j n r e d t n e s l i fa d lnt(j teplitf fist saeac u eofa ro a ais arsde t e da ta dte 9 ru ue if h anif al o tt a s cin g n t e i n defn n, n h
20 f iur i obvi usa c r i g t t es tl d r l soft e sat . H un e v Phii M o -9 U SA ,582 al e s o c o d n o h e te u e h t e' ' tr . l p ?/

21 F.d 1 l43( t Ci. 09)(iato sa ditra quoainmarsomitd (leaini 3 039, 0 9h r20 ct in n nen l tto k te ) atrto n 22 orgia) i n l.
23 B. Rul 1 ( )6 e 2 b ()

24

Fe ea RueofCiiPr c due8()2)rqursc l 1 s onan pli sae e to tc d rl l vl o e r a( e ie m y ' h a d an ttm n î h

25 cl i s ow i g t a t e pl a e i e tte t r le 'i or e t S i e t e de end ntf i no i e of a m h n h t h e d r s n il d o e i f n d r o ' v h f a a r tc g
Page 4 of ll

1 whatt e ...cl i i and t e gr undsupon whi h i r ss.'Conly v.Gi s n,355U . .4l,47 h am s ho c t et ' e bo S

2 ( 95 ) Fe ealkul ofCiiPr c d r 1 *)6 ma dae ta ac ur dimisac us ofa to 1 7. d r e vl o e u e 2 () n ts h t o t s s a e cin
3 t atf ist st t a cl i upon w hi h r lefca be p ant d. A m oton t di m is underRul h al o ae am c ei n e i oss e

4 l ( )6)tsst ec mpl i tss fiinc . eN St r1 t v Arz Cop.Comm ',7 0 2 b ( e t h o an ' u fce y Se a n 1 . i. r n2

5 F.d578, (t Ci.1 8 ) ' he c nsdeigamotont dimisun e Rul l ( )6)fr 2 581 9h r 9 3 .W n o i rn i o s s d r e 2b( o
6 f iur t sat a cl i ,dim i s li appr prat onl when t e compl i tdoes notgi e t e al e o t e am s s a s o ie y h an vh 7 def ndantf i notce ofa l galy cogni abl cl i and t e gr unds on whi h i r ss.See Bel e ar i el z e am ho c tet l

8 At. r .v Twombl,5 0U. . 44,55 ( 0 7) l c nsd rngwhehe teco pliti lCop . y 5 S5 5 2 0 . n o ie i t r h m an s
9 s fici ntt sat a cl i ,t e cour w ilt ke a1 m at ri lalegatonsas tue and consr e t em i u l e o t e am h t la 1 ea l i r tu h n

1 t elghtmos fvor bl t t epli tf. eNL I du .I c v Ka l n,79 F.d 89 ,8 8 ( t 0 hi t a a e o h an if Se n s' n . . p a 2 2 6 9 9 h

11 Ci.1 86 .Tbec ur, ve,sno rq ie t ac e ta tuealg tonsta aemeey r9) o thowe ri t e urd o c p s r le ai h t r rl
12 concl sor ,unwar ant d deductonsoff ct orurr as nabl i f r nces.See S r w el v.Gol en uy re i a, te o e nee pe l #

1 St t Wa ro s, F.d 979 988( t Ci. 01 . A f r ul i r ctto ofac us ofa ton 3 a e r i r 266 3 , 9 h r 20 ) o m ac e ia in a e ci
1 wih c nc us r a l g to s i no s fi i nt a pl i tf m us pl a f c s s ow i g t a a vi l ton 4 t o l o y le a i n s t u tc e ; a n if t e d a t b n h t o a i k

1 i plusbl, tj s posil. hco v l ba,1 9S.Ct 1 37 1 49( 00 )(iigTwo bl v 5 s a i e no u t sbe As rh .q l 2 . 9 , 9 2 9 ctn m y. 1 BelAt.Com.550U..5 4,5 5( 007) 6 ll , S 5 5 2 ).
17 tG ener ly,a di ti tcour m ay notconsi e any m at ralbeyond t e pl adi gsi r lng t al s rc t dr ei h e n n ui

1 o aRue1 ( )6)moin. .. we e,maeil c iprpel s b itda pa t te 8 n l 2 b ( to . Ho v r tra whih s o ry u m te s r of h 1 co pl i tm a b c ns de ed on am oton t dim i s' HaIRoac St di s f c ! Ri h r FcWc9 m an y e o i r i o s s. ' h u o , n .' c a d l ? .

'

20 d: , F.d 1 42,1 55n.9(t Ci.1 90 (iaton o itd) Si ial,Coc me t Co.896 2 5 5 1 9h r 9 ) ct i s m te . m lry t u n s d
21 wbos cont nt ar aleged i a com pl i tand w hose aut entciy no pary ques i ns,butwhi h e es e l n an h it t to c

2 a en tphy ialya tc e t t epla i g ma bec n i e e i r lng onaRul 1 ( )6) 2 r o sc l ta h d o h e d n , y o sd r d n u i e 2b(
23 m oton t di m i s'w ihoutconveri g t e m oton t di m is i t a m oton f rs m m ar i o s s' t tn h i o s s no i ou y

24 idgme tBl nc ! Tunll,l F.d449, ( t Ci.l 4) Moro e,un erFe ea Rul u n. . h ' lel 4 3 a . 454 9h r 99 . e v r d d rl e
25 ofEvi e c 20l ac ur ma t k idi iln tc oft at r o publcr c r . M a k3 S. : d n e , o t y a e u c a o ie z te s f i c o d' c ) Baj m ' .
Page 5 of 1l

:

7

1 Be rDitis I c,7 8F.d1 79 1 8 (t Ci.1 86 .Ote ie i tedsrc co r e srb o n . 9 2 2 , 2 2 9h r 9 ) h - s ,f h itit u t
2 co s d r m a e i l ou s de o t e p e di g , he m oto t di m i si co ve t d i t a m oto f r n i e s t ra s t i f h l a n s t i n o s s s n re n o in o

3 s mm ayj dgme tSe ar f v Sana Clr Vale Fm? . nc ,261F.d91 9 5(t Ci. u r u n. edp n . t a a ly 7 Age y & 3 2, 2 9h r 4 20 1. 0)
5 tI . 1
6

ANA LY SIS
A. M otonst Rem and and to St y i o a

7

The Co r de i st e m oton t r m a d. Pl i tf sha e s e t r e non- i e s , or m u t ne h i oe n a n if v u d h e dv re f u

8 rsde tDee da t: ot,Kid, ndKlme ko(ole tvey,th Idiiu lDefnda t'.n c e i n fn ns Sc t d a i n c lci l Ete n vd a c ns)
9 I diiua Dee da t ar fa d lntyj ie , we e,a dterj ide teeoedoe not n vd l fn ns e ru ue l on d bo v r n h i on r h rfr s
10 de eatdi er iy. f v st

1 1

An a e ti pe s na l la l t t id pa te f rhi own t rs r ga dl s o w h t e he i g n s r o ly i b e o h r ri s o s o t, e r e s f eb r s

1 a tn o be a fofa c m o a e prnc pa wihi t e s o e ofhi e pl y ne t butu l s t e a e t 2 c ig n h l o rt i i l t n h c p s m o r n, ne s h g n
13 and t e t id pa t agr e,t e agenti notlabl on contact ent r d i t by t e agenton bebal of h b r ry e h s ie r s ee no h f

1 teprncpa wheeteprn ia i dicosd. eRe ttme t( id ofAge c j7.1& c tb 4 h i i l r b icp ls s l e Se sae n n r) ny 0 m.
l ( 006) Ag nt i Ne a ac n bep r o a l la l i t r f rmir p es ntto st e ma et 5 2 . e sn v d a e s n ly ib e n o t o se r e a in h y k o

l tidpate . e#ezFc- Id: p Pr csonRole Pr d . 7 2P.d 1 11 1 1 ( e . 6 hr ris Se l a0i Gas ' e ii . ld o s, 8 2 3 , 3 1 N v 1 1 9)(iigCarelv Lu , P.d56 ,57 ( rz.l 6)Pe tc s v. 7 98 ctn r l . x 420 2 4 6 A i 96 . ne o t Hanv r , P.d , a d 699 2 l 696, 9( th 1 85) Alhou ht eNe a aSu rmeCo r ha notdie tyr ldonte 8 69 U a 9 ). t g h v d p e ul s rcl ue h
l que ton t e s a e a pe rt b i a r c e tt ata a e tc nno be la l o a c nta te t r d 9 si , h t ts p a o e n g e m n h n g n a t i b e n o r c n e e 20 i t on be al ofa prn i alwhc e t e a c t sdicl s d t eprnci al Se ,eg. Eppl r Gl r? no hf ic p r h g n ha s o e h i p . e . , e , / /? e

21 J Tul e ' ac 3 Ka mi, 5 S. .d 737 738( e .1 5) Rat bon v Bu l n ,l J h s 1 : m r f . t s r 68 W 2 , T x 98 . h , . do g 5 o n . ,

22 2-3( . .1 l )( oligta a e po e ofac mpa yc ul notb no la l i c nrc fr N Y 8 8 h dn h t n m ly e o n od e t ibe n o ta to
23 a tonstke o be afo c r or to ) ci a n n h l f o p a in .
24 Th l di i u lDcf n a t ca notb la l i c nta th r ,be a s t e a eale e onl' e n vd a c d ns n e ib e n o r c e e c u e h y r lg d l

25 t h ve a t d i t e rc pa iy a a c t f ri siu i n lDe e da t . Furhen or ,t c a e o a c e n h i a c r s g n s o n tt to a f n n s t n e hy r
Page 6 of l1 h

:

l a l ge o l t ha e t a tc pa e i t e p oc r m e t dr fi g, p e e t e to t e doc m e t le d n y o v t ri i t d n h r u e n , a tn or r s n m n f h p u ns
!

2 and tans ctonscr atng t e caus sofacton aleged her i .' Thi i notenougb t sat a t r r ai ei h e i l en ' ss o t e ot

3 cli a ais te eidiiuasunde l bala dTwombl be a s i i no atr t S atcpae! am g n th s n vd l rq n y c u e t s t o to t rii tg p 4 i tepr c rme tdrfig, prsnt en ofgoa a dmo ta e do ume t.'n eeaen n h o ue n , atn or e e m t l n n rg g ! c ns' r r o
5 f c al l g to s i di a i g h w t e e De e da t a e la l f ra y t r du t t i a tv t . l a m aie a i n n c tn o h s f n n s r i b e o n o t e o h s c i iy t 6 i c nss e twih t e Com pl i tt a t e I di i u lDe e da t m e el ba de pa e st s o itn t h an h t h n v d a fn n s r y n d p r o 7 Pl i tfs t sgn,wihoute e knowi g m uc a o twba wasi t e o ba i g a y i t ntt a n if o i t vn n h bu t n h m r vn n ne o 8 de r ud. l i a s c ns s e twib t e Com pl i tt a t c m e el prnt d co i so t e fa t s lo o it n t b an h t h y r y i e p e f b
9 docum ent orper onned s m e ot eri nocuoust s t uchi g upon t e docum ent t atw oul not s f o hn ak o n h sh d
.

.

1 pos i l gi e rs t t r la iiy. Fi a l ,t e c us s ofa to c re ty be or t e Co r f i on 0 s b y v ie o o t i b lt n ly b a e c in u rn l f e h u t al
,

11 temeisu de Rue1 ()6)e e asa ans teisi tona Dee da t. h rt n r l 2 b( v n g i th n tm i l fn n s 1 2 TheCo r fndsta teldiiu l fn ansaefa d lntyj ie a dde iste u ti h tb n vd a Dee d t r ru u e l on d n n e b
, '
1

1 m oton t r m and.Even i r m and w e e ot envie a pr pri t ,partoft ecas i s ilpendi g 3 i oe fe rh s p o ae h e s tl n

1 be or t e M D L i t e D it i to Arz na a d a r m a d o de a pl i g onl t c rai ca s sof 4 f eh n h s rc f io , n e n r r p y n y o et n u e 1 a ton i t e ca e woul b apr c d r lc t s r phe. Fi aly t e m o i n t s a i de i d a 5 ci n h s d e o e u a a a to n l, h to o t y s n e s 1 m oo be a s i s m pl r que t as a t tl r lng on ' e pr s ntm oton t r m an . 6 t c u e t i y e ss t y m i a u i t h ee i oe d
l7 B. l8 M otonst D i m i s i o ss 1. Unfai Lendi g Practces Under NRS Secton 589D. 00 r n i i 1

'

'

1 9

Pl i tf spur ha e ove am ilon dola s worh ofhom e a d t ok out ra t id ofa a n if c s d r li lr t sn o ove h r

20 m ilo dola si c e i a a ns t os hom e wih t e l gii at g a ofpr ftn f o rs ng li n l r n r d t g i t h e s t h e tm e o l o ii g r m i i 2 1 home prc s Th y n w ale e afe t e h us ng bub l bur t t a t e we e pr ye u on ie . e o lg tr h o i bt s h th y r e d p ? 22 be au e t e l nde di n' s r tni e t e ri c m e c os l e ou h. Pl i tfs o t i e t e l a s i c s h e r d t cui z h i n o l ey n g a n if b a n d h o n n 2 t epr s ntc s be w e n 2 04 a d Nov m be 9,2 06. Th sa t e oflm ia i nsund rs c i n 3 h e e ae t e 0 n er0 e t tl t i t to e e to

2 5 81.0 i treye r,s eNe . v.Stt jl11 3() a dteprsntc s wa bough on 4 9 71 0 s he as e v Re a. .90()a, n h e e a e s r t
25 Se t m be 1 ,200 . The sa u e o Im ia i nst e e or ba s t i c us ofa to a t a loft e pe r 8 9 t t t f i t to h r f e r h s a e c i n s o I h Pa e 7 of 1l g

I

t '
'

1 l an e c ptt e $ 08, 00 HELOC e e ut d on N ove be 9,2 06. o s xe b 3 0 xc e mr 0 2 Se to 598 . 00 wa a e de i 2007 w ih a e f c i e da e ofJ ne 1 , c in D 1 sm n dn , t n f e tv t u 3 2007. e Se

3 200 N e . a . 7 v St t 2844 46.The e or , he pr - 007 ve s o oft es a t a ple t t epr s nt rf e t e2 r in h tm e p is o h e e 4 ca e. Tbeprorsa t , hi h a ple he e m a e i a tona l i a l nde m a e t hom e l a t a s i tm e w c p is r , d t ci b e f e r d t a ono 5 bor o e bas d s l l u on t e e uiy oft ebo r w e i t e hom e p ope t a d wihout r w r e o ey p h q t h ro r n h r ry n t
6 det nni i g t att e bor ow crhas t e abiiy t r pay t e home 1 an f(m ot cras et ....' ev. e nn h h r h lt o e h o r) h ss 'N

7 Rev. atj598 .00(006 .Plitfsha enotalg dfcsidiaigavilto ofte St . D 1 2 ) anif v le e a t n c tn oain h 8 samt b tha esmpl alg di c ncus r fs inta Dee da t viltdi.Se Compl t e u v i y le e n o l o y a ho h t fn ns oae t( e . 9 !45 .n i i is fiintPlitfsmus Salgg)s e ii fcss owighow Dee da t fie ) s s n u fce ; anif tsle e p cfc a t b n fn ns ald
' bn ei nn 1 t adher t t i s am t r r quiem ent. . . .' Ur i a v.H ont v ew Lendig,I c ,68lF.Supp. 0o e o hs t oy e r'

11 1 54,1 5 -60( . v. 9)( un, J)( im isngacam unde tepos-007vesonof 2 2 9 D Ne 200 ' tC.. d s si H li r h t2 ri 1 tesatt) M u hofti c us ofa tc i ba e onacam ta telnde ddnotprpel 2 h t ue. c hs a e cim s sd li b th e r i o ry
1 e pl i M ER S'r l . Pl i tf sa s cl i t a t e l a swe e ba e on çsa e i c m e ' ih no 3 x an o e a n if l o a m h t b o n r s d st t d n o ' w t 1 v rfc ton o t a i c m e Pl i tf sf i t a l ge whe he t ey i f c i co r c l s a e t c r 4 e ii a i f h t n o . a n if al o le t r h n a t n r e ty t t d h i
l i com eon t e l an docum ent . M or over,t e sat t doesnotr quie any partcul rvertcaton 5n ho s e h t ue er ia ii i
I

1 m e hod, o l a de e ni a i n oft e a iiy oft e borow e t r pa fom a s t ot e t a a 6 t but n y t n n to h b lt h r r o e y r ses h r h n n
l7 estm at d fut r i cr as ' equiy. Pl i tf sappea t adm i t att e I nde gave t em t e I a ie ue n e ei n t a n if ro th h e r h h on 18 bas d c t e i com e t ey r pored t t e Inder Thi i sufi i ntundert e s at t . t-'el nder emhn b e t oh e . s s fce h t ue t h e f f

l s o l ha eknown 1w a l i g a ou m y i c m e' i notapa tc l ry c nvi c ng a gu e t at 9 h ud v s yn b t n o 's riu a l o n i r m n , 20 l a tn tun e t e pr -2 07 ve son oft e sa u e A l n erha t e rg tt pr s m et e e s o d rh e 0 ri h tt t . e d s h ih o e u h 21 bo r w e i notl i g on hi a plc ton.The l nde be r t e rs i t i r ga d, c us t e ro r s yn s p ia i e r a s h ik n h s e r be a e h 22 l nde wil e lz t e l s u on f r c os r . Suc apr c i e m a i de d ber c l s , i i e r l r a ie h o s p o e l u e h a tc yn e e k e s but t s
23 r ckl s on t e par ofbot t e l nderand t e bor ow er and t e I nderm ay beart i r s i i e es h t bh e h r , he h s ik f t

24 uz he : . Unde t e p(s= 007 v r i n oft e s a ut ,w hi h r quie a i om m e c al i so s r h ) !2 e so h tt e c e rs ' c rj l y
25 r as nabl m eans- ofdet nni i g t eabiiy t r pay,an ar um enteoul be m ade t ata l nder eo e ' e nn h lt o e g d h e Pa e 8 of 1l g

1 who does notverf st t d i com e beyond t e sgnat r oft ebor ow erhasnotf lil d is iy a e n h i ue h r u tle t 2 dutcsundert e sam t ,butt e pr - 007 ver i n oft e s am t apples i t i cas . n e Cour i bte h e2 so hte i n hs e t 3 dim isest i cause ofacton. s s hs i'

4
5

2.

l j ncieandDecar t r Reif n u tv l ao y le

Be a s t eunde l i g c us s o a ton w il di m i s d,t e e c us sofa ton w ila s cu e h ry n a e f c i l be s s e h s a e ci l lo

6 b dim is d (st t enOn- ERS De e d nt) e s se a o h M fn a s.
7 8 3. Ci i Cons i ac vl pr y

C . a to a l c vi co s ia y i a c m bi a i n oft o o m o e pe s nswho, s m e K I c i n b e i l n p r c s o n to AZ w r r ro by o

9 c nc re a to ,i tndt a c m pls s m eu lwf lob e tvef rt epur o eo ha m i g o e td c in n e o c o ih o n a u j c i o h p s f r n
1 a ot e whi h r s lsi d m ag . Co lnsv Uni n Fe . .t foan As ',66 P. d 61 ,62 0 n h r c e u t n a e ' li . o d Sav t ' sn 2 2 0 2

1l ( e .1 4)(iig Wiev S.Pac Co.35CalRpt.65 ( tApp.1 63) Bls v S. .Co. N v 99 ctn s . ., . r 2 C. 9 * is . Pac , ,
1 3 lP.d32 ( r 1 58) A c rortonc n otc ns iewibise ply e i t erom ca 2 2 2 4 O . 9 ). op ai a n o pr t t m o e s n h i il
13 capacii s 1 . te . d

1 4

Pl i tfs a lge a c n pia y be w e n t e i s iutona D e e da t,butt e al g no a n if le o s r c t e h n tt i l f n n s hy l e e

l s e i i a r e e t Pl i tfs a l ge o l t a o e orm o e D e e da t f ie t i f r t e a a 5 p c fc g e m n . a n if le n y h t n r f n n s ald o n o m t v d N

1 mo ga or'oft errg t.se Co pl! 1 1 .Thi alge noa re e tmuc ls a 6 n g s' h i ihs L e m . 0 ) s le s g em n , h e s n
1 a r e e tt e ga e i unl w f la tviy, nd i do s n te e i e tf Pl i tf sa t epa tc l r 7 g e m n o n g n a u c i t a t e o v n d n iy a n i f s h ri u a I v c i soft eale e c ns ia y. N e t Pl i tf sa l ge t a s ve al e c d n s t ontnue t 8 i tm h lg d o p rc x , a n if le h t e r D f n a t C i o c

1 ee t va a sfom teiho e n t ihsa dngk owld eofterownilga co duc a d 9 j c Ne d n r h r m s o w t tn i n e g b i le l n t n 20 unce nha ds...'(#..Thi do snotc r tedeiin is Noa re e ti pld.Th Cou t la n ..) s e 'J ue h fce ce . g e m n s e er
21 dim is st i c us ofa ton (st t enO - ERS Defnda t) s se hs a e ci a o h n M i ns.
22 // /
23

3 c end nt a s a s n t a Pl i tf swai e a lc a m s u de t e $ 08, 00 H ELO C i D f a s lo s e h t a n if v d 1 li n r h 3 0 n
24 p rg a h 5 oft eLM A bu t ea r e e t f n a t qu t ( i o t tt n t ter c r )i h aa rp t h g e m n De e d n s o e w t u cia i o h e o d s h o :

25 D ef ndant have appar nty quol d t ew r ng agr em ent e s el eh o c . Page 9 or l1

n tteLMA a duc d,whihd e nota pert waiecli s (e LMA 3.ECF No.5, N) oh de c o s p a o v am .S e Ex. .

1 2

4.

Rac e e r ng U nde N R S 207. 7 k te i r 40

U n e Ne a a' RI O s a u e a prv t p ry ca b i g aci i a ton f rte l da a e , d r v d s C t t t , i a e a t n rn v l c i o rb e m g s

3 atre ' fe , ndc ssfrij rss sane byavilto ofscin207.00. eNe . to n y s e s a o t o nue u ti d oain e to 4 Se v Rev.
4 Stt j2 7.7 .Plitfsalg Dee da t e ga e i rc ee rng.Plitfs h we e, a. 0 4 0 anif le e fn n s n g d n a k tei anif, o v r
5 no her i e tf whi h unl w f la tunde s c i n 2 7. 0 t e be i ve Def nda t t ha e w e d n iy c auc r e to 0 4 0 h y le e ns o v 6 c r m i e . Pl i tf s sm pl quo e t edetnii n oftr c e ee i g' u d rs cto 207. 90 a d o n t d a n if i y t h l i to ça k t r n ' n e c i n 3n 7 a l g t a De e da t e ga e i r c e e rng t r ugh pr da or l ndi g pr c i e .Pl i tfs le e b t f n n s n g d n a k t e i b o e t y e n a tc s a n i f

8 h venoti e tte t o p e iaeo f ns sr quie t c nsiuet a kee rng.' e j20 .90. a d n ii d w r d c t fe e e r d o o tt t ç c te i 'S e 7 3 r
9 Such crm es i cl de m ur er m ansaught r maybem sce t i bateres,ki nappi g,sexual i nu d, l e, ran t i d n

1 a s ul,a s n, obb r , xt ri n,s duc i n,f r e y, g a y, a d l r e y, i e y, s a l 0 s a t r o r e y e o to e to o g r bur l r gr n a c n brb r a s u t

l1 wih ade dl we pon, rai fa ds ec. ej207.60.l t epr dia eacsa ei tnde t be t a y a ce t n r u , t Se 3 f h e c t t r ne d o

1 fa ds te aenotplds fi intyunde Rul 1 1)6 , hls u de Rul 9() n eCour 2 ru ,h y r e u tce l r e 2 () muc e s n r e b . t 1 dimissti c us ofa ton(sa ans tenOnM ERSDee d nt) 3 s se b s a e ci a g i th fn a s.
1 4 5. Unj s Enrc m e t u t ih n

1 5

l Ne a a,heee e t ofa u j s e rc m e tcam ort ua i ta t' r :()a n v d t lm ns n b u t n ih n li ' s conrc'ae 1 q

l be eic nfre ontedee da tb teplitf;()a prcainoft ebe eibyte 6 n ft o erd h fn n y h an if 2 p e ito h n ft h 1 dee da ta d( )a c punc a drtnto o tebe ei bytedee da t()i crumsa c s 7 fn n; n 3 c e e n ee in f h n tt h f n n 4 n ic tn e
l whe e i woul be i e uia l t r t i t e bt e i wihoutpa m e t Se Le s par n r Cor . 8 rt d n q t b e o e a n h n ft t y n. e a e tes p ,

1 I c v RobetL. oo çZ â,9 2P.d 1 2z1 ( ev.1 97 (uotngUnolame ia1 9 n . . r Br k ' - 4 2 8 87 N 9 ) q i i t rc 7 m/ .
20 M c o al ,6 6P.d 1 72,1 7 ( e .1 )( uotngDas v Eppln, 4 P. d 7 9,7 0( o1 . D n d 2 2 2 2 3 N v 981 q i s . e 42 2 7 8 C o

21 1 67).Unus e rc me ti a e uia l s bsiuef rac nta ta da a to f runus 9 )) j t n ih n s n q tbe u ttt o o rc, n n cin o j t
22 emichm entt er f r cannotIew her t er i a expr s wrten agr em ent See.f ?g7 839 h eo e i eh e s n e s it e . # c -/, .

23 P.da 61 ( iigLls i v Tl c,l! Co, P.d81 , 4( ev.1 ) 66Am. ur2d 2 t 3 ctn h he . ' ï,7z .566 2 9 82 N a tl . 977; J. 24 Re tnlilj . 1 (973). si êol ' 6, 1 l ) j
25

Page l0 of ll

1

H e e Pl i tfss e ii aly a l ge c nta t . Thos c nta t , he not s a d de dsof r , a n if p c fc l le o r c s e o r cs t en e

2 t u t s e iy t e rt r s Co ta t e i tg ve n ng t e r l to s i be w e n Pl i tfs a d r s , p c f h i e m . n r c s x s o r i h e a i n h p t e a n if n

3 Dee d nt.Pls tfsdonot lgea ybe eibe twe u o a yDee da tta i nots bec fn a s anif ale n n ft so d p n n fn n b ts u j t
4 t ac ntac.TheCou t s is st i cus ofa ton( sa ans teno - El. Dee da t) o ort r dim se b s a e ci a g i th n M l fn ns. s
5 C O N C L U SI N O

6

I I HEREBY ORDERED t a t eM ot n t Re a d ( CF No.7 i DENT D . 'S F h th i o mn ' o E )s E

7 8

I I FURTIER ORDERED ta teMoto t Sty( CFNo.8 i DENI D a moot TS ' I h th in o a E )s Es . I I FURTHER ORDERED ta teMoto st Dimis( CFNos 6a d27 ae TS h th in o s s E . n )r

9 G R AN TED a t t e tr tca s ofa ton,GRAN TE D a t t id,f urh, d t nt t r u h s o h is u e c i s o h r o t an e h h o g 1 t elt c us sofa ton w ib r s e tt t e no - ER. D e e da t,a d DENI D a t t e 0 w f. a e h ci t e p c o h n M s fn n s n E soh

rmanigc us sofa tonf rlckof u idito ,a te ec re tyrmanwihJ d eTelor e i n a e ci o a j rs cin s h s urnl e i t u g ib g
1 i Cas No.2: 9- d- 21l - A T i t eD i ti tofAri ona. 2n e 0 m 0 9J n h s rc z 13 I IS SO ORDERED . T

1 4
l5

D a e :Decem ber28, td 2010

1 6
l7

RO B E C. O N ES J U nied St t Di ti tJudge t s rc

18 19 20
21

22 23
24 25 Page 1loî