Crispin v. BAC Home Loans Servicing, LP, et al.
Filing
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ORDER denying 10 Motion to Dismiss and denying 19 Motion to Dismiss - The court herein provides notice that because the defendants attached matters outside the complaint to their motions, the court construes the same as motions for summary judg ment pursuant to Fed. R. Civ. P. 56. Where the Case Management Order currently in place provides for a deadline of July 13, 2012, for the filing of dispositive motions, the court sees no reason to alter such deadline. The parties may undertake discov ery to the extent necessary to obtain materials related to the motions for summary judgment. Unless objection to this deadline is raised by a party through a motion requesting specific relief, such date will be the deadline for the parties to file al l other dispositive motions. Plaintiff is ORDERED to show cause within fourteen (14) days as to why the docket should not reflect that his motion for preliminary injunction is no longer pending. If plaintiff does not respond, the Clerk is DIRECTED to conform the docket to reflect that plaintiff's motion for preliminary injunction is not currently pending for decision. Signed by District Judge Louise Wood Flanagan on 12/14/2011. (Baker, C.)
IN THE UNITED STATES DISTRICT COURT
FOR THE EASTERN DISTRICT OF NORTH CAROLINA
WESTERN DIVISION
NO.5:11-CV-375-FL
GRAHAM A. CRISPIN,
Plaintiff,
v.
BAC HOME LOANS SERVICING,
LP; BANK OF AMERICA,
NATIONAL ASSOCIATION; and,
SUBSTITUTE TRUSTEE SERVICES,
INC.,
Defendants.
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ORDER
This matter is before the court on the motion to dismiss pursuant to Rule 12(b)(6) of
defendant Bank of America, National Association, on its own behalf and as successor by merger to
BAC Home Loans Servicing, LP,I ("defendant BANA") (DE # 10) and the motion to dismiss of
defendant Substitute Trustee Services, Inc. ("defendant STS") (DE # 19). Plaintiff filed response
in opposition to both motions. Only defendant BANA filed reply. In this posture, the issues raised
are ripe for review. Based on the following, the court denies the motions to dismiss and provides
notice under Fed. R. Civ, P. 12(d) that it construes the instant motions as ones for summary judgment
pursuant to Fed. R. Civ. P. 56.
I As noticed by the parties, Bank of America, N.A., is the successor to BAC Home Loans Servicing, L.P, As
noted above, to avoid confusion from the use of too many acronyms, this defendant is referred to throughout this order
as "defendant BANA,"
STATEMENT OF THE CASE
Plaintifffiled complaint against all defendants in Wake County Superior Court in June, 2011.
After learning that Bank of America, N.A., was the successor in interest to BAC Home Loans
Servicing, plaintiff amended his complaint. On July 18, 2011, defendants filed notice of removal
to this court.
Plaintiff's amended complaint seeks to enjoin the foreclosure sale of real property located
at 107 Candy Apple Court, Cary, North Carolina ("the property"). Plaintiff alleges violations of
Section 6 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. § 2605, and N.C.
Gen. Stat.
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45-93 and 94. Plaintiff also alleges violation of the North Carolina Unfair and
Deceptive Trade Practices Act ("UDTPA"), N.C. Gen. Stat. § 75-1.1, and seeks a preliminary
injunction to stop the foreclosure of the property.
On July 25, 2011, defendant BANA filed its motion to dismiss, contending that plaintiff's
claims should be dismissed with prejudice for failure to state a claim under which relief could be
granted under Rule 12(b)(6) of the Federal Rules of Civil Procedure. Shortly thereafter, defendant
STS filed motion to dismiss on the same grounds. Plaintiff responded in opposition and defendant
BANA filed reply. On November 3, 2011, to promote the efficient resolution of the case, the court
entered a case management order ("CMO") that sets forth various deadlines for this matter.
STATEMENT OF THE FACTS
The facts as alleged in plaintiff's amended complaint are as follows. Plaintiff, a citizen of
Wake County, North Carolina, refinanced the property in 2002. On September 12,2006, plaintiff
again refinanced the property pursuant to a promissory noted payable to "America's Wholesale
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Lender.,,2 Simultaneously, plaintiffexecuted a deed oftrust on the property, which deed oftrust was
recorded at book 12170, page 525, in the Wake County Registry of Deeds. The beneficiary of the
deed of trust was America's Wholesale Lender, described as a corporation organized and existing
under the laws of the state of New York. An entity by the name of Trustee Services of Carolina,
LLC, was named as trustee on the deed of trust.
In the summer of2009, plaintiff received a "Homesaver Payment Forbearance Agreement"
showing defendant BANA as the servicer of his loan. This documentation, though not attached to
the complaint, allegedly contained two different loan numbers, one of which was not on any
documentation plaintiff had received. Plaintiff wished to enter into a forbearance agreement, so he
returned the proposed agreement to defendant BANA with various proposed changes. Plaintiffs
proposed changes included amendments to the documentation that he alleges were made to avoid
duplicate remedies to the servicer that were in the loan documents as remedies to the lender. (Am.
Compl.
~
24.) Plaintiff claims that he also asked for assurances that defendant BANA was the
servicer of his loan, information about the identity of the holder of the note, and documentation of
defendant BANA's authority from the holder to enter into the forbearance agreement. Plaintiff
contends that defendant BANA did not respond to plaintiff s proposed changes and did not provide
any of the information and documentation plaintiff requested or address his concerns about the
identity of the lender.
In July 20 I 0, plaintiffreceived a notice ofintention to collect attorney fees from the law firm
of Hutchens, Senter & Britton ("Hutchens law firm"), purporting to act on behalf on defendant
BANA or defendant STS, or both. Plaintiff claims he responded to Hutchens law firm's letter by
Plaintiff did not attach a copy of the promissory note to the amended complaint.
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requesting information required to be provided under the RESPA. Plaintiff also sent, pro se, a
motion to compel to Hutchens law firm to request more information. Plaintiff claims that his
requests for information were ignored.
In September 2010, Hutchens law firm responded to plainti ff s inquiries with an affidavit of
default, dated August 23, 2010, stating that defendant BANA was both the holder of plaintiffs note
and the servicer. The letter also included a copy of an assignment of the deed of trust from
"Countrywide Home Loans, Inc.," to "Countrywide Home Loans Servicing, L.P." Plaintiff claims
that neither the letter nor assignment included any information about or pertaining to America's
Wholesale Lender.
On July 30, 2010, an "Appointment of Substitute Trustee" was filed in the Wake County
Registry, at Book 14019, Page 1555. This document revealed that "BANA Home Loans Servicing,
LP FKA Countrywide Home Loans Servicing, LP" was the holder, and that defendant BANA had
appointed defendant STS as the substitute trustee on plaintiffs deed oftrust. After this, a notice of
foreclosure hearing was filed on September 8, 2010, with defendant BANA as the holder and
defendant STS as the trustee.
Plaintiff claims that foreclosure hearing was continued multiple times and that defendants
failed to provide notices of continuance. Plaintiff claims that during this time he repeatedly tried to
get more information about the holder of his loan and information about a person who could assist
him. On October 13,2010, plaintiff claims he sent a formal, qualified written request to defendant
BANA asking for the identity of the holder of the note and a person with authority to do a
modification. Plaintiff claims he received response on November 22, 2010, from "Bank of America
Home Loans" stating that the owner of the note was not BANA, but the Federal National Mortgage
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Association ("FNMA"), known colloquially as "Fannie Mae." The response also stated that "Natalie
Mendez, Foreclosure Specialist," in Jacksonville, FL, was a "servicer representative with the
information and authority to answer questions and resolve issues." Plaintiffclaims that he called Ms.
Mendez, who denied having information or authority to answer questions. Defendant BANA
directed plaintiff to Ms. Mendez on another occasion in April, 2011, on which date plaintiff claims
Ms. Mendez again denied having information or authority to help plaintiff.
Plaintiff requested the same information from Hutchens law firm and again from defendant
BANA, but alleges that the responses were not forthcoming or helpful. Plaintiff claims that in
response to his requests, defendant BANA sent plaintiff copies of documents provided to him at the
closing of his loan, and Hutchens law firm sent him copies of the note and deed of trust with no
identity about the holder of the loan, and with the loan number blacked out.
Still confused about the role of"America's Wholesale Lender" in the ownership of his loan,
in February, 2011, Hutchens law firm sent plaintiff copies of documents referencing a corporate
name change that included information that Countrywide Funding Corporation was doing business
as America's Wholesale Lender and would file a "doing business as" statement in every jurisdiction
where such filings are permitted. Plaintiff claims that a search of the assumed name records on the
website of the Wake County Register of Deeds showed no assumed name certificate for either
Countrywide Funding Corporation or America's Wholesale Lender.
Plaintiff also claims that searches he conducted on the FNMA website revealed multiple
times that FNMA was the holder ofhis loan, but that at least one search revealed that FNMA did not
own his loan.
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COURT'S DISCUSSION
A.
Standard of Review
A motion to dismiss under Rule 12(b)(6) determines only whether a claim is stated; "it does
not resolve contests surrounding the facts, the merits of a claim, or the applicability of defenses."
Republican Pm1y v. Martin, 980 F.2d 943. 952 (4th Cir. 1992). A claim is stated if the complaint
contains "sufficient factual matter, accepted as true, to 'state a claim to relief that is plausible on its
face.''' Ashcroft v.lqbal, 556 U.S. _,129 S. Ct. 1937, 1940 (2009) (quoting Bell Atlantic Corp.
v. Twombly, 550 U.S. 544, 570 (2007)).
In evaluating whether a claim is stated, "[the] court
accepts all well-pled facts as true and construes these facts in the light most favorable to the
plaintiff," but does not consider "legal conclusions, elements of a cause of action, ... bare assertions
devoid of further factual enhancement[,] ... unwarranted inferences, unreasonable conclusions, or
arguments." Nemet Chevrolet. Ltd. v. Consumeraffairs.com. Inc., 591 F.3d 250, 255 (4th Cir. 2009)
(citations omitted). In other words, this plausibility standard requires a plaintiff to articulate facts
that, when accepted as true, demonstrate that the plaintiff has stated a claim that makes it plausible
he is entitled to relief. Francis v. Giacomelli. 588 F.3d 186, 193 (4th Cir. 2009) (quoting Iqbal, 129
S. Ct. at 1949, and Twombly, 550 U.S. at 557).
Rule 12(d) provides that if, on a motion under Rule 12(b)(6), matters outside the pleadings
are presented to and not excluded by the court, the motion must be treated as one for summary
judgment under Rule 56. Fed. R. Civ. P. 12(d). All parties must be given a reasonable opportunity
to present all the material that is pertinent to the motion. It is well settled that there are limited
exceptions to this rule which allow a court to consider certain matters outside of the pleadings
without converting the motion to one for summary judgment. Courts may consider documents
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referenced in the complaint and documents "integral to and explicitly relied on in the complaint if
the plaintiffs do not challenge [the document's] authenticity." Am. Chiropractic Ass'n v. Trigon
Healthcare, Inc., 367 F.3d 212, 234 (4th Cir. 2004); see also Philips v. Pitt County Mem. Hosp., 572
F.3d 176, 180 (4th Cir. 2009) (in considering motion to dismiss, court can take judicial notice of
matters of public record as well as documents attached to a motion to dismiss as long as they are
integral to the complaint and authentic). Defendants have cited no authority, and the court is
unaware of any, that holds that documents attached to a motion to dismiss, whose authenticity is
disputed by plaintiff, may be considered by the court on a motion to dismiss without converting it
to summary judgment.
B.
Analysis
1. Motion to Dismiss 3
Plaintiff's first cause of action is to enjoin the foreclosure sale of the property on equitable
grounds. A mortgagee or trustee who is granted a power of sale under a mortgage or deed of trust
may exercise that power and proceed under that instrument, provided all statutory requirements are
observed. N.C. Gen. Stat. § 45-21. 16(a). All that is required by North Carolina statute to sell
property at foreclosure is that the trustee on the deed of trust, who has been granted a power of sale
under the deed of trust, file a notice of hearing with the clerk of court and serve the notice on each
party entitled to receive it. See N.C. Gen. Stat. § 45-21.16.
] To promote the most efficient resolution of the issues raised, the court addresses both defendants' motions
to dismiss herein. As a prel iminary matter, the court acknowledges that only the first and fourth claims in the amended
complaint pertain to defendant STS. Defendant STS's arguments that it is entitled to a dismissal of the claims against
it on the grounds that it is not mentioned frequently in the complaint fail as the court agrees with plaintiff that since
defendant STS identifies itself as the substitute trustee on plaintiff's deed of trust, it is a necessary party to any suit to
enjoin foreclosure. Additionally, as described in more detail, plaintiff alleges in the complaint that Hutchens law firm
acted on behalf of defendant STS (Am. Compl. ~ 27), and makes various allegations that Hutchens law firm refused to
provide information and unnecessarily continued foreclosure proceedings.
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An owner of real estate, or other person having a legal or equitable interest in the property,
may, prior to the time that the rights of the parties to the sale or resale become fixed, make
application to enjoin a mortgage sale on any legal or equitable ground which the court may deem
sufficient. See N.C. Gen. Stat. § 45-21.34. Plaintiffs primary argument is that defendant BANA
is not the holder of his loan, and that defendant STS is not the substitute trustee with authority to
foreclose on the property. Plaintiff alleges that the foreclosure sale would be inequitable because
the entity claiming to be the holder in the foreclosure proceeding is not the holder and that defendant
STS who purports to be the substitute trustee does not have the authority to act as such. Defendant
BANA responds that it is current holder of the deed of trust and defendant STS is the substitute
trustee entitled to bring an action to foreclose on the property. In support ofthis, it attaches various
documents to its motion to dismiss, described below.
The convoluted facts ofthe case, described above, reveal a factual dispute over the ownership
ofplaintiffs loan. Defendant BANA repeatedly asserts that there is no such factual dispute, and that
any factual question is clearly resolved by the documents it attached to its motion to dismiss, which
include, (l) what appears to be a promissory note from plaintiff to America's Wholesale Lender,
which includes an indorsement that denotes Countrywide Home Loans, Inc., a New York
Corporation doing business as America's Wholesale Lender; (2) a deed of trust registered in the
Wake County register between borrower plaintiff and lender America's Wholesale Lender; and (3)
a payment history affidavit also in the Wake County register that appears to stating that BANA
Home Loans Servicing, LP FKA Countrywide Home Loans Servicing, LP, is the servicer ofthe loan
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account evidenced by the attached deed of trust and promissory note. 4
Despite the fact that defendant SANA contends that these documents are matters of public
record and would resolve the instant dispute, plaintiff objects to the authenticity of the attached
documents and states in his response that with regard to the promissory note including the
indorsement. he "has never seen this document, and it was not included in any of the documents
provided by Defendants to him in the foreclosure process." (Resp. Opp'n 18.)5 Where plaintiff
clearly calls into question the authenticity of the documents repeatedly cited by defendant SANA
and defendant STS, especially the document purporting to illustrate the chain ofholders ofplaintiff s
loan through the indorsement, the court cannot consider the documents without converting the
motion to one for summary judgment. 6 The court herein provides the parties notice that it so
construes defendants' motions pursuant to Rule 56. Defendant SANA's and defendant STS's
motions to dismiss as to the first cause of action in the complaint are denied. 7
4 Defendant BANA itself raises several factual disputes within the briefs it has submitted in support of its
motion. Defendant BANA's brief in support of its motion to dismiss states that "this is a dispute between a borrower
and a loan servicer." (Def. BANA's Mem. Supp. Mot. Dismiss 15.) However, defendant BANA's reply in support of
its motion states that defendant BANA is the holder of the note. (Def. BANA's Reply 2.) Without deciding or
addressing the legal implications of being a loan holder or servicer, or both, the court notes the discrepancy in the briefs,
a discrepancy that no doubt can be explored further and perhaps resolved in discovery.
< Similarly, defendant STS attaches documents to its motion to dismiss, including a copy ofa promissory note
that appears similar to the one attached by defendant BANA, yet without the indorsement. Plaintiff disputes the court's
consideration of the attached documents, arguing that they are outside of the scope of the motion to dismiss and
referencing its assertion that as to at least one of the documents attached to defendant BANA 's complaint, plaintiff
disputes the authenticity of the same. As such, the court finds that to consider any of the referenced documents would
be improper under the rules of civil procedure at this stage.
6 Because the court is considering defendants' motions as motions for summary judgment, it declines to address
the factual dispute of the role ofFNMA with regard to the ownership of plaintiffs loan. This dispute potentially adds
another layer to the ownership issue, and again, is more appropriate for resolution at the summary judgment stage when
the court can properly consider the facts with a more developed record.
7
In its responses to both defendants' motions to dismiss, plaintiff asks the court to take judicial notice of
various facts. Without benefit ofa more developed record at this stage, the court declines to do so.
9
The court next addresses defendant BANA's motion to dismiss plaintiffs second and third
causes of action, specifically the alleged violations ofRESPA and N.C. Gen. Stat. § 45-93. RESPA
requires loan servicers to respond to a borrower's inquiries upon receipt ofa qualified written request
("QWR"), and within sixty (60) days provide the borrower the name and telephone number of an
individual who can provide assistance to the borrower. 12 U.S.c. § 2605(e). DefendantBANA does
not dispute that plaintiff sent a QWR; rather, the dispute is over defendant BANA's response to
plaintiffs request. 8 Plaintiffs complaint alleges that the individual whose name he was given as
someone who could help him, "told Plaintiff she cannot provide such assistance." (Am. Compl.
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85.) Contrarily, defendant BANA contends that plaintiff was unsatisfied with the response given
to him by the representative. At this stage of the proceedings, the court is obligated to accept as true
all well plead allegations in the complaint. If plaintiffs allegation is true, and defendant BANA
responded to the QWR insufficiently, plaintiffhas stated a claim under RESPA that plausibly entitles
him to relief. To dispute the content of what the representative told plaintiff as defendant BANA
does here is clearly to dispute facts, which is appropriate for a motion for summary judgment but
inappropriate for a motion to dismiss. 9
Similarly, defendant BANA's motion to dismiss plaintiffs third claim for relief under N.C.
Gen. Stat.
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45-93 disputes the content of what defendant BANA's servicer representative
8 Defendant SANA's motion includes a confusing discussion about its uncertainty of whether the "back-andforth communication about the proposed forbearance agreement" is the basis of his RESPA and N.C. Gen. Stat. § 45-93
claims. To the extent defendant SANA raises this as an argument for dismissal of counts two and three, the argument
is rejected as the complaint clearly states that plaintiff contacted defendant SANA numerous times and made requests
pursuant to these statutes. (See Am. Comp1. ~~ 42,59,61.)
., Defendant SANA also argues that plaintifffailed to allege damages arising out ofdefendant SANA's failure
to respond to plaintiffs QWR requests. To the contrary, the complaint alleges damages in the form of higher interest
rates and fees, costs of making request, and attorney fees for hearings that did not take place. Defendant SANA offers
no persuasive authority to suggest that such allegations do not meet the pleading requirements of RESPA.
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communicated to plaintiff in response to his written request made under § 45-93(2). The court's
analysis here is the same as to plaintiffs RESPA claim. Defendant BANA's arguments that this
claim should be dismissed fall short, as they raise factual questions about the content of
communications between its representative and plaintiff. As such, defendant BANA's motion to
dismiss plaintiff s third cause of action is denied.
Defendants BANA and STS also ask the court to dismiss plaintiff s claim under the UDTPA.
A party claiming violation of the UDTPA must prove: (1) an unfair or deceptive act or practice, or
unfair method of competition, (2) in or affecting commerce, (3) which proximately caused actual
injury to the plaintiff or his business. Wysong & Miles Co. v. Employers of Wausau, 4 F.Supp.2d
421.433 (M.D.N.C. 1998). Accepting the facts as alleged by plaintiff, he has stated a claim under
the UDTP A. Additionally, because many of plaintiffs claims under his first cause of action are
incorporated by reference into his UDTPA claim, the court cannot resolve defendants' motions to
dismiss this claim in their favor at this time.
Defendant BANA argues that plaintiff has not shown how the actions complained of affect
the marketplace and has not shown egregious circumstances warranting UDTPA liability. As to the
marketplace argument, defendant BANA relies on the premise that the relationship between it and
plaintiff is one of contract between a borrower and loan servicer, and thus is not covered by the
UDTP A. See, e.g., Bartolomeo v. S.B. Thomas, Inc" 889 F.2d 530, 535 (4th Cir. 1989) (simple
breach of contract, even if intentional, does not amount to violation ofUDPTA without a showing
of substantial aggravating circumstances). However, as described in detail above, the precise
relationship between plaintiff and defendants is disputed between the parties, and without more, the
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court cannot accept defendant BANA's argument. 10 Cf. Barnes v. Cargill, Inc., 891 F.2d 286, *6 (4th
Cir. 1989) (finding relationship ofboITower and mortgage broker to be in and affecting commerce
under UDTPA). Additionally, whether a trade practice is unfair or deceptive usually depends upon
the facts of each case and impact the practice has in the marketplace. Marshall v. Miller, 302 N.C.
539, 548, 276 S.E.2d 397,403 (1981). The facts of this case and the exact relationship between
plaintiffs and defendants is in dispute. Expansion of the factual record is necessary before a finding
can be made of whether the conduct alleged in the complaint is in or affecting commerce.
As to the other elements of the UDTPA claim, plaintiff alleges that defendants engaged in
inequitable practices relating to plaintiff s home loan and the foreclosure of plaintiff s home,
including but not limited to initiating a foreclosure action without being the holder of the loan or
proper trustee and refusing to provide information regarding ownership of the loan when requested
by plaintiff. Plaintiff claims he has suffered damages in the form of higher interest rates and fees,
costs of making requests, attorney fees for non-existent hearings and foreclosure proceedings. II
Taking the plaintiffs allegations as true, as is appropriate at this stage, the court finds the plaintiff
has stated a claim for relief under the UDTPA and denies defendants' motions to dismiss the same. 12
10 Based on this conclusion it is not necessary for the court to consider defendant BANA's argument that the
complaint does not allege egregious or aggravating circumstances, because without more, at this stage in the proceedings,
the relationship between the parties is not clear.
11 As plaintiff notes in his response, the court is cognizant that plaintiff not required to prove damages at this
stage. However, failure to show actual injury will result in dismissal of the UDTPA claim. See Walker v. Branch
Banking & Trust Co., 133 N.C. App. 580, 515 S.E.2d 727 (1999) (affirming lower court's determination at summary
judgment stage that plaintiffs failure to forecast evidence was insufficient as a matter oflaw to show actual damage by
defendants' actions).
12 The court does not determine at this juncture whether the alleged conduct of defendant STS in continuing
the foreclosure proceedings amounts to a deceptive act or practice which affects competition under the UDTPA.
Defendant STS's motion to dismiss the UDTPA claim is denied because of the allegations against that defendant in
relation to plaintiffs motion to enjoin the foreclosure of the property.
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2.
Motion for Preliminary Injunction
Plaintiffs complaint also seeks preliminary injunction enjOInIng all defendants from
proceeding with the foreclosure sale and undertaking other actions related to foreclosure during the
pendency of the instant action. Attached to the amended complaint is a consent order from Wake
County Superior Court (DE # 2 p. 40) stating that defendants consent to plaintiffs motion and agree
to take no further action, including any foreclosure hearing and sale, with regard to the property.
None of the parties have briefed the issue of plaintiff s motion for preliminary injunction, and where
it appears to be moot, plaintiff is ordered to SHOW CAUSE within fourteen (14) days of entry of
this order as to why the docket should not reflect that plaintiffs motion is no longer pending. If
plaintiff does not respond, the Clerk is DIRECTED to conform the docket to reflect that plaintiffs
motion for preliminary injunction is not currently pending for decision.
CONCLUSION
For the foregoing reasons, the court DENIES defendants' motions to dismiss (DE # 10, 19)
and herein provides notice that because the defendants attached matters outside the complaint to their
motions, the court construes the same as motions for summary judgment pursuant to Fed. R. Civ.
P.56. Where the CMO currently in place provides for a deadline of July 13,2012, for the filing of
dispositive motions, the court sees no reason to alter such deadline. The parties may undertake
discovery to the extent necessary to obtain materials related to the motions for summary judgment.
Unless objection to this deadline is raised by a party through a motion requesting specific relief, such
date will be the deadline for the parties to file all other dispositive motions. Plaintiff is ORDERED
to show cause within fourteen (14) days as to why the docket should not reflect that his motion for
preliminary injunction is no longer pending.
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SO ORDERED, this the)'tl-day of December, 2011.
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