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HOMEOWNER HELEN GALOPE OVERJOYED AT DECISION BY NINTH CIRCUIT COURT OF APPEAL -MARCH 27 2014--THIS IS THE DEUTSCHE BANK APPELLEE ANSWERING BRIEF

HOMEOWNER HELEN GALOPE OVERJOYED AT DECISION BY NINTH CIRCUIT COURT OF APPEAL -MARCH 27 2014--THIS IS THE DEUTSCHE BANK APPELLEE ANSWERING BRIEF

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Published by 83jjmack
THE ANSWERING BRIEF BY APPELLE DEUTSCHE BANK

SEE OTHER POSTINGS HERE FOR THE HELEN GALOPE NINTH CIRCUIT COURT OF APPEALS
MEMORANDUM DECISION
THE ANSWERING BRIEF BY APPELLE DEUTSCHE BANK

SEE OTHER POSTINGS HERE FOR THE HELEN GALOPE NINTH CIRCUIT COURT OF APPEALS
MEMORANDUM DECISION

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Published by: 83jjmack on Apr 04, 2014
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 U.S.C.A. CASE NO. 12-56892
IN THE UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT _________________________
HELEN GALOPE, on behalf of herself and all others similarly situated Plaintiffs-Appellants vs. DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE UNDER POOLING AND SERVICING AGREEMENT DATED AS OF MAY 1, 2007 SECURITIZED ASSET BACKED RECEIVABLES LLC TRUST 2007-BR4; WESTERN PROGRESSIVE, LLC; BARCLAYS BANK PLC, BARCLAYS CAPITAL REAL ESTATE INC. d/b/a HOMEQ SERVICING; OCWEN LOAN SERVICING, LLC, and DOES 4 through 10, Inclusive Defendants-Appellees
________________________
Appeal from Judgment/Order of the U.S. District Court, Central District of California The Honorable Cormac J. Carney Case No. 8:12-cv-00323-CJC (RNBx)
BRIEF OF APPELLEES DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE, WESTERN PROGRESSIVE, LLC, AND OCWEN LOAN SERVICING, LLC
Robert W. Norman, Jr. (Cal. Bar. No. 232470) Brent A. Kramer, Esq. (Cal. Bar No. 256243) HOUSER & ALLISON 3780 Kilroy Airport Way, Suite 130 Long Beach, CA 90806 Telephone: (562) 256-1675 Facsimile: (562) 256-1685 Attorney for Defendants-Appellees
Case: 12-56892 07/05/2013 ID: 8692641 DktEntry: 28 Page: 1 of 57
 
 
CORPORATE DISCLOSURE STATEMENT
Pursuant to Federal Rule of Appellate Procedure 26.1 and 28(a)(1), the following entities have an interest, financial or otherwise, in the outcome of the litigation: Defendant-Appellee Ocwen Loan Servicing, LLC is a limited liability company, the sole member of which is Ocwen Financial Corporation, a publicly traded company. Defendant-Appellee Western Progressive, LLC, is a limited liability company, the sole member of which is Altisource Portfolio Solutions S.A., a publicly traded company. There are no other known publicly held companies for purposes of disclosure  pursuant to Federal Rule of Appellate Procedure 26.1. DATED: July 5, 2013
HOUSER & ALLISON
A Professional Corporation By: /s/ Brent A. Kramer Brent A. Kramer Attorneys for Defendants-Appellees Deutsche Bank National Trust Company, as Trustee under Pooling and Servicing Agreement Dated as of May 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR4, Western Progressive, LLC, and Ocwen Loan Servicing, LLC
Case: 12-56892 07/05/2013 ID: 8692641 DktEntry: 28 Page: 2 of 57
 
i
TABLE OF CONTENTS
I. JURISDICTIONAL STATEMENT .................................................................... 1 II. STATEMENT OF THE ISSUES ........................................................................ 2 III. STATEMENT OF THE CASE ........................................................................ 2 IV. STATEMENT OF FACTS ............................................................................... 3 A. HomEq Offered Galope A Loan Modification After She Defaulted On Her Mortgage Loan. ........................................................................ 3 B. After Galope Defaulted On Her Reduced Payments, She Filed For Bankruptcy And An Adversary Action When Non-Judicial Foreclosure Was Initiated. ...................................................................................... 4 C. Galope Again Filed For Bankruptcy After Foreclosure Was Reinitiated But Her Bankruptcy Case Was Dismissed. ........................................ 5 D. Galope Moved To Vacate The Dismissal Of Her Chapter 13 Bankruptcy Case Just Before The Trustee's Sale. ................................................. 5 E. Galope Filed Her Third Bankruptcy Petition In Two Years But This Case Was Likewise Dismissed And The September 1, 2011 Trustee's Sale Was Rescinded. .............................................................................. 6 V. SUMMARY OF THE ARGUMENT .................................................................. 6 VI. STANDARD OF REVIEW .............................................................................. 7 VII. ARGUMENT .................................................................................................... 9 A. The Trial Court Correctly Granted Summary Judgment on Galope’s First Claim For Violation of the Sherman Antitrust Act. ...................... 9 1. Galope Lacks Article III Standing to Bring An Antitrust Claim Because She Has Not Sustained Any Injury-in-Fact ............................. 10 a. Galope Lacks Standing under the
 Lujan
 Decision. .................................. 10  b. Galope Lacks Antitrust Standing. ............................................................. 12
Case: 12-56892 07/05/2013 ID: 8692641 DktEntry: 28 Page: 3 of 57

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