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l7 St es t ed s ti f alcour t s e iq rghà t cerai w at asagai tappr m at y 1 at il ui n eder t o ecur t i o t n er ns oxi el 000

l i di dua us r . O ne o t de e da si t f de a a i n t n fl d a pa a l s ti s a e 8 n vi l e s f he f n nt n he e r l cto he ie r lel ui n t t
19 court and s alot def , ever her endant fl d a m oton t di m i t f alacton f l of s ie i o s ss he eder i or ack

20 j rs ci n editi co t a tdtemoto Th Su e Cour h l ta f ea u iditon. srct ur grnc h in. e prme t ed h t ed rl
2l j iditonwa n Ic nga t tnodocrnerq rdt fd r diti co toa ti b urs ci s ota ki nd ha ti e uie he e eal srct ur t bsan, ut
22 i r e t at s i s wa a o i e ba e o t ne d t a d du i a i ltga i a t ul d h dim s al s ppr prat s d n he e o voi plc tve ii ton nd

23 çt iej di a a nitaton, vi rgadt c e v tonof u cilrs c sa d swls u cil dmi sr i gi ng e r o onsr ai j di a eoure n
24 com pr ehensve di i sposii ofltgaton.'Col ado Ri 424 U . at817. Col ado Ri di ton ii i ' or ver, S. or vep d 25 noti ve r ovalofa case,butr herpar l pr edi nvol em at alel oce ngs. Even i t ehad been pa alcl f her r l .

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l pr e di s h r Col r Ri e i tghty f c oc e ng e e, o ado v r s i l a tboun t t wa errght c e , eArz a v d o he t - i s ont xt se i on .

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2 sancaro Apa herrzco i 463U. 5 5 (983 , nda omal e e wihi te ls c î fArr, s. 45: 71 1 ) a n ous v n t n h t s r c tn a t d 3 abs cntonc e be au eipemie afdeal o todimisacaeove whihii fc ha t i ass c s t r t d e r c ur t s s 4 j idi i a wihr pe tt whiha tnto wa no a o it, e Colr Rie , 4 urs cton nd t es c o c bse in s t pprprae s e o ado v r 42
5 U. a 821 ( e r,J, sen i . Col adoRie i nowa s S. t -26 Stwa t .dis tng) or vrn y upporsa tnton hee. t bse i r
6 Thi Courtw oul lke not ng m or t t r and en m as t m ount n ofr oved s d i hi e han o em se he ai em

7 f ecl ur actons curenty cl ng isdocket butt Courthasa dut t hearal casesover or os e i r l oggi t , he yo I

8 whihiha uiditon,a af ldoc eti notavai goun f a tnton,patc al Fh r c t sj rs ci nd ul k s ld r d or bse i riulry ee
9 rma dwilno c ns r ej di a rs c sovealb smpl s r et d ah vyl dof e n l t o e v u cil eoure rl ut i y e v o ump ea oa
10 cas ont t st e cours es o he at t. 11
12

B.
1.

Sum m ary Judgm ent
Decl at Relef ar ory i ,

1 3 1 4

a.

Im proper Forecl osure U nder N RS Sec i 107. t on 080

Pl ntf s ai if eeksa decl aton t t N OD i $nu1 and voi .' The m ostcom m on st t y ar i hat he s1 1 ' d' am or

I

1 de e ti f ec os e i N e da o c sw h n a f ec osng e tt f l t a r t N RS s cton 5 f c n or l ur n va c ur e or l i n iy ais o dhe e o e i
16 107. 080,r di a N OD bef e i hasbcen nam ed ast t t and w ihoutany evi ecor ng or t he rus ee, t dence of 1 agency on behal oft t ust orbenetci y oft underyi debtatt tm e ofr daton. 7 f he r ee i ar he l ng he i ecor i

I

l Se Ne Re Sttj l 7. 0( ( .Pl ntf doe n ale eavi ai oft ssaue butrt r 8 e v. v. a. 0 08 2)c) ai if s ot lg olton hi ttt, ahe 1 al est tt NOD fie t i l ceti n ie a r uie u rt DOT. 9 leg ha he ald o ncude ran otc s s eq rd nde he
20 QLSwa a r ntyneihe tetu t en t be fca ywhe i r c de t NOD. s ppa e l t r h r se or he ne iir n t e or d he

I

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:

21 Ho ve,icai ont NOD t ha b nS GENT F BENEFI ARY,'s eNOD 3) we r t l med he o ve ee W OR CI '(e ,
22 a di ieniidt b netcir a UAMC,s ei 1.Th o yevi n ei t rcoda t t n t d tfe he e i ay s (e d. ) e nl de c n he e r s o he
23 i n iyoft be fca ya t tmet NOD wa r c de i t DOT is t whihna s de tt he ne iir t he i he s e or d s he tel c me
24 UAM C ast l he ender m aki i t benefci y asa m aterofl ,r dl s oft D OT' , ng t he i ar t aw egar es he s

1

25 l anguage aboutM ERS bei a Sbenetci y ' Alhough M ERS i nota benefci y,is agency f ng s i al ' t s i ar t or Page 8 of 14

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1 t benet ar undert DOT ext he ici y he endst adm i s erng t DO T f pum ose off ecl ur o nit i he or s or os e.

2 W hehe UAM C die ty c tr r c l omma e QLS t fl teNOD orM ERS c nd d o ie h omma d QLS t d s , nde ooo

3 t r i n dee ti f e os eh eun scton 1 08 2)c,a ter i i c s wheea hee s o fc n orcl ur er der e i 07. 0( () s h e s n aes r
pum ore t se w ho i na e nowhe e on t D OT,a f w h e de e ofs s iu i n a t d nlt e s m d r he nd or om vi nc ub tt to s
5 t ust appcar now her f l a NOD . Pl ntf adduces no contar evi r ee s c, ics ai i f r y dence. Ther i no es

que tonoff c t tQLS Gld t NOD a t ea ntofM ERS,whowa t eag ntoft si a t ha e he s h ge sh e he

be fcayUAMC,a tef e l ur wa t rf eno i ope u rsci 1 08 2() neiir nd h orcos e s heeor t mpr r nde e ton 07. 0()c.

8

b IpoeFrcsrUdrhD T . m rproelue nete O o
i . Par agraph 22 oft Deed ofTrust he

j
l

The queston r ai whet f ecl ew asi pr i em ns her or osur m operundert t be ennsoft DOT. he

1 Prgah2 rqisia blpittapirocecao otelnflwn df l 1 aarp 2eur ( I od r )htr tacl tn fh o ol ig ea t e nl n o ri a o u,
t l he cnderm us notf t bor ow erofdef ul,acton r r t cur a dat atl t ry days t iy he r a t i cquicd o e, e east hit

1 t e e t rbywhibt c e, ndt a f lr t tmel c ema r s l i a c lr ton.( eDOT 3 h r afe c o ur a h t aiu e o i y ur y e u t n c ee ai Se ! 2 .QLS a gu st ts h no ie n e notb i t NOD is l b ma begie vi ot r 2) r e ha uc tc s e d e n he tef ut y v n a he
l

l meh .QLSt nague t be au ePl nifdoe notal et ts chnotce weenot 5 tods he r s hat c s aitf s leg ha u is r

gi n,b onl tatt yweenoti l di teNOD,ii e ildt s mmayj gme .The ve ut y h he r ncude n h ts ntte o u r ud nt
t xtoft DOT s po t QLS'r a ngofi;howe r QLS'c r ce ia i ofPl i ifs e he up rs e di t ve , ha a trz ton antf '
ale tonsa e notc vi ng. Alho h Pl ntf i de d a l cst tt NO D is l di not l ga i r on nci t ug ai if n e leg ha he tef d
cont n t ai hese notces,i i a r i t s easonabl i er e nf ence fom t Com pl ntt Pl ntf m eans t r he ai hat ai if o

.

1 , .

ale s ne errc v ds hnotc ses r, t r QLSpr de noe d ceo ha n lge he v e eie uc ie lewhee eihe. ovi s vien f vig
21 pr ded s notcesby se at com muni i and t do notappeari t N OD . Rat , ovi uch i par c caton, hey n he her

i a tont t fc ofa a n ddii o he a t nd mount dea t(e NOD l,t NOD i tu t Pli if of ful,s e ) he nsr cs antf:
' OTI C N CE. You m a ha t rghtt c e t de a t... To de e m i e i r n ut m e ti y ve he i o ur he f ul . t r n f ei s e n s

p sbl a t a ti a t c et d a tc a t ( Sa e sa tlph os i e nd he moun,f ny,o ur he eful, ontc: ASC' ddrs nd ee one
n umbel'( .2) Thi i n s fi entt stsyt rqur ti paa p 22oft DOT rz 1 . s s ot utci o aif he e iemen n rpa h 'W he
Page 9 of 1 4

l t such i or aton be diecty pr ded t t borower. Undert pl n l hat nf m i r l ovi o he r he ai anguage oft he D OT,t l he enderbear t bur ofpr di cert n notcesconcer ng def ul and cur t t s he den ovi ng ai i ni a t e o he

r be ur n e ki he nf to borower. The bor owerdoesnotbea t b de ofs e ng outt i onna i n. r r
.

QLSaloagu t tas ema onl bestai f fiues tntalyt c ywih s r es ha al y y e sde or alr ubsa i l o ompl t
t sat or r r ent nott DOT is f Butneiherpary alegesa sal and t e i no he t ut y equiem s, he tel. t t l e, her s cvi dence ofa s e. Pl ntf hassued t s op f ecl ur bef e s e and seeksa decl aton t al ai if o t or os c or al ar i hat t N OD i i i becaus i f l t com pl w ih t t ms oft DOT. Ther r ai a he s nvald e t ais o y t he er he e em ns gcnui isueofm at alf as t whet t NO D was def i undert t m soft DOT, ne s eri act o her he ectve hc er he

an t Co tde e s d he ur nis ummayj men ont sba i. r udg t hi ss
Paragr aph 19 oft Deed ofTrust he Pl ntf ar ai if gues t t NO D w asalo def i beca e i vi at herrghtunder hat he s ectve us t ol ed i

paa aph1 o t DOT t h vee ore ntoft DOT dic tn d( e c ran rgr 9 f he o a nf c me he s oniue und r e ti
co tons prort t eea le tofGveda sbe or t s l a e si pr s l saut ype i ndii ) i o h ris y f e he ae, ny xitng e-ae tt or rod

ofrde i ,ore r of u e mpton nty j dgme c ocngt DOT.Se Compl! 1 C) Thepr e wih nt nfri he (e . 3. . oblm t
Pli ifsale tonsi t tt et e ti c dii s' r una guo :( )t borowermus antf' lgai s ha hos t ran on ton 'a e mbi us l he r c t

pa als du asi a c lrtonha n ve oc urd;( borowe mus c r dea t( y l ums e f c eeai d e r c re 2) r r t u e ful;3) borowe mu tpa e nssofenor n t DOT;a d( mus tkeot rras abl a i t r r s y xpe e f cig he n 4) ta he e on e ctons o

sc et lnde' i ce t( eDOT ! 1 ) Alhoug t r a peast b n q sint t e ur he c rs ntrs.Se 9. t h hee p r o e o ueto ha
Pl ntf hasnotcom pled w ih t e condii ,t e r ai a ques i off ast whet ai if i t hes tons her em ns ton act o her accel aton was pr er i operi t t s i anceunderpa ag aph 22. l i was not Pl ntf need not n he ir t nst r ft , ai i f
even ar underpa gr 1 gue ra aph 9.

2.

De Cole tonVi atonsUnde Ne bt lci ol i r vadaRe sd St uts(t ' Chapt vie at e tNRS' ) er
649

Pl i ifale esvi a i ofN RS s c i 6 3 whi h c e t s a i de nde sa e a ntf l g ol tons e ton 49. 70, c r a e n n pe nt t t

lw c us ofa to f vi ai oft FarDe Cole tonPrcie Ac (t a a e cin or oltons he i bt lci a tc s t C FDCPA'. ' ) Spe iialy, antfsalget tQLSvi ae FDCPA byf lngt i l c ranlngu ei cfc l Pli if le ha oltd aii o ncude eti a ag n
Page 10 of 1 4

1 t NOD ma dat by 1 U. C. 1 2e( 1 a d 1 2g()l-5) b ma ngaflea he n ed 5 S. jj 69 1 ) n 69 a( )( , y ki as nd
2 m i eadi atem ptt colecta debtby f lng t i ude t notcesr r undert DOT,and sl ng t o l aii o ncl he i equied he 3 by m i r es i t accel aton had occur ed w hen i cannotyethave occ r undert s epr entng hat er i r t ur ed he t enns oft D OT. hc

5

QLS i c r c,h s ore t oweve ,ha d t g e a d t rbe fca i ,i l ngmorga r t t l ga e s n hei ne iires ncudi mor t ge

s r cngc nis aenotde c lcor s j c t teFDCPA. Se Man ou v CalWet n evii ompa e , r bt ole t s ub e to h ' e s r . - ser '
Re nvyanc Cop.61 F.Supp. 11 l 82( Arz 2009 (iigPe r v Stwa tTil co e e r , 8 2d 78, l D. i. ) ctn r. . e r te v Co.7 F. 11 1 ( hCi.1 )(t- lgsai hit yofscin 1 a6)i c ts , 56 2d 97, 208 5t r 985 ùlhe e iltve sor e to 692 4 ndiae concl vel t a debtcolect doesnoti ude t consum erscr t s,a m ort usi y hat l or ncl he ' edior gage s ci ervi ng com pany,oran as gnee ofadebt as I ast debtwas noti def tatt tm e i was si , ong he n aul he i t

'

11 asined.l;ac o dhf go t v Huntn onBank 346F.d693 698( hCi. ) Hee sg 'l c r ont mey . igt ' , 3 , 6t r2003 . r,

Q Swscn o bhloUA w e itc te O adU want psdfut L aatg n ea f MC bntl h N D,n AMC soa oteal i f id asg .TheCo tt rf epa ss sinee ur heeor nt ummayj dgme ont sc us o a ton. r u nt hi a e f ci
3. Unf r and D eceptve Trade PractcesU nderN RS Chapt 598 ai i i er

' )

l 5

Pli ifale esvi ai ofNRSs ci 5 0 1 a ()bae onQLS' antf lg oltons e ton 98.9234) nd 3 sd

1 conductng a busi 6 i nesswihouta r r d lcens and vi atng a st e orf r sat eor t equie i e ol i at ede al t ut l7 r aton r atng t t sal orl e ofgoodsorser ces. Pli ift orz stat egul i el i o he e eas vi antf he ie h QLSvi ae oltd

1 t s s c i oft N RS by s ndi g Pl i ift d i i nt OD . 8 he e e tons he e n a ntf he efc e N

1 9

QLSc rctynotst tbe a eiwa no a tnga ade c lco,idi not e t be ore l e ha c us t s t ci s bt ole tr t d ne d o

20 lce s da on Ias not t tEse urngo c lci de sore ocngmo ta sa i n c s e. t lo es ha ' lc i r ole tng bt nfri l rg ge nd
21 s iy i er t i pr ecurt nt ess n opert s i t debt 'doesnotcons i t tdoi busi ' i Nevada. y ecurng he s' tm e t ng ness' n

22 Se Ne Re Stt98 01 h) TheCou thecor grnt s mmar j me ont sc us of e v. v. a. 0. 5( . r t rf e a s u y udg nt hi a e
23 acton. i

2 4 25

4.

Unf rLe ng Pr tc s UnderN RS Chapt 598D ai ndi ac i e er

Pl ntf ale svi a i efNRS s c im 59 7. 00 be au e De e da sal c y ma ai if l ge ol tons e tc 81 1 c s f n nt l dl de eg
Page l1 of 1 4

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l t l t Pl ntf wihoutdet ni s had t abiiy t r he oan o ai if t enni ng he he lt o epay i. l addii t notng t t n ton o i hat 2 t pr 2007 ver i oft st ut a i i t i cas , QLSagu t thesaueofI t i s he es on he at e pples n h' e s r es ha t ttt i aton mi

I

3 h s r n a t att r i no s c s la lt u e t s a ut Pl i ifi ee d snota l e a u nd h he e s uc es or i bii nd r he t t e. a ntf nd d oe y leg

4 t tmov ntQLSwa t lnde.Thec us ofa toni i a i ea a n tQLS f t s ha a s he e r a e ci s mplusbl s gais or hi
5 r on al eas one. Furher or t sst ut y caus ofacton i tme- r becaus t pr ent t m e, hi at or e i s i bared, e he es 6 acton was fl on M ay 24,20l m or t n t ee year afert I was m ade on Novem ber3, i ied 0, e ha hr s t he oan

7 2 SeeNev. v.St .jlll 3() Thealg i si teCompli aeas i ufiint 006. Re at .90()a. le aton n h ant r lo ns fce .
8 Pl ntf r ved t pr entm orgageon oraboutNovember3,2006. Secton 598D. 00 was ai if ecei he es t i 1 9 am ended i 2007,wih an ef ectve dat ofJune 13,2007.See 2007 N ev.St .2844 n t f i e at -46. 10 The ef e,t pr 2007 ver i oft st ut apples t t pr r or he eson he at e i o he esentcase. n e prorsat e, i t ut 1l whi applesher m ade i actonabl i a l ch i e t i e f enderm a $a hom e l t a bor ow erbas s el de ç oan o r ed ol y 12 upon t equiy oft bor oweri t hom e pr t and w ihoutdet ni t t bor ower he t he r n he opery t enni ng hat he r

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1 hshaittrpyhhmelnfmohrse .. Ne.e.t. 58710(06. 3 ateblyoeateo o r teast .. vRvSaj91. 20) i ao s ' t 0
1 Thecur entst ut br 4 r at e oadens t pr ecton gi t cons er by m aki i actonabl w he a he ot i ven o um s ng t i e n

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l I 5 enderknowi y ori entonaly m akes ta hom e l ...w ihoutdet m i ng,usi any ngl nt i l t oan t er ni ng

1 cmmecalraoalmen omehns tate orwehsh aittrpyte 6 o ril esnbe as r caim,hth bro r ate blyo ea h y i
1 h l 'Ne Re Stt â598 1 ( 0.Pl nifha n ale dfcsi c tn a 7 ome oan. v. v. a. ' D,00 201 ) aitf s ot lge a t ndiaig
1 vi aton ofeiherver on oft s am t buthassi pl aleged i concl or f hi t 8 ol i t si he t e m y l n us y as on hat

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1 Dfdtiadt Courtgrant summaryjudgmentont scauseofacti 9 enasotiThe e nvl e , s hi on.
.

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21

5 .

QuitTil e te

Pl ntf seekst qui tte t t Pr ai if o et il o he opert underNRS secton 40. y i 010. Shealegest no l hat

22 Def endantow nst debtorhasst ng t s heron t not orf ecl e on t Pr t he andi o ue he e or os he opery.

2 QL not t dpl ntf i notentil t a free hom e,'w hi i essentaly the concl on 3 S es hat ç ai if s ted o ' ch s il usi
24 Pl ntf as t e Cou t o r a h. Alh ai if ks h rt ec t ough Pl i if st or t tt us o t M ERS s t m a ntf he y ha he e f he ysc
25 i i es a1 l nvaldat 1 oansand s iy i cr sagai t Pr ecur t nt est nst he opert i i y s ndeed basel ,t sf does ess hi act

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l notnecess iy m ake any qui tte acton what arl et il i soeveri pos bl Pl ntf coul obt n a much m si e. ai if d ai 2 nar owerdecl aton,how ever,t hertte t t Pr t i superort t ofone orm or r ar i hat il o he opefy s i o hat e

.

3 Dce nt'Se Ne Re Stt j40. 0.t a to ma bebr htbya pes a i t fnda s. e v. v. a. 01 (t cin y An oug ny ron gans
4 anot who cl m s an esat ori er i r pr t adver t t per brngi t her ai t e nt est n eal opery, se o he son i ng he

5 a i f t pum os ofdetr ni s h a erecam .) cton, or he e e mi ng uc dv s li ' . '

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Morove, quitttea to i mer yas e e ofd clrt yj gme a tona i e ra e il cin s el p cis e aaor ud nt ci nd s

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7 t ef e i enty r m dantw ih t fr caus ofacton i t scas Jce Kre v.Cor y,1 her or nher l edt t he ist e i n hi e, ss e 89

.

8 P.d352, ( v.1 )(i' ma yy asprort teado inof( caatr ud nt 2 364 Ne 948 ds n e r i o h pto de lr oyj gme ) lor
9 saue c rsha n t esbe nrn rngdecaatr ud nt,t ti,hede aainof ttts ou t ve onehels e e dei lr oyj gme s ha s t clrto
10 t pr exi i ri soft ltgant wihoutany coer ve decr i such cas asqui tte he e- stng ght he ii s t ci ee, n es et il

1 si '.ReudnontDeednintnie tsmmayug no ticam. l ut ' dnatro, fnats oetldo u rjdmetnhs li s ) t
. .. .

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12 Pl ntf alegest hertte t t Pr t i s i t t ofDef ai i f l hat il o he opery s uperor o hat endant based on varous s' i

1 de e t i f e os r a a Ia ton s c de e tt tPli ifha i ntte 3 f cs n or cl u e, nd t e s e u h f c ha antf s de i d -oLs'f lr t i aiu e o

1 c ywihnotc rquiemc si t NoD- s vve s 4 ompl t ie e r nt n he ur i s ummar ud n.S esont s yj gme t ucc s hi
15 cause ofacton w oul neiherdichar t debtnori i e t se iy i er butw oul i d t s ge he nvaldat he curt nt est d

1 s m pl r ul i a de l r ton t tunl s a d untlf ec os e i pr pe l c r i d o ,Pl i if 6 i y es t n c a a i ha e s n i or l ur s o ry a r e ut a ntf

.

1 h lssp ro tt t tePo et a a an t n o mor Dee d ns Wiht su drtn ig 7 od u eiril o h rp ry s gis o e r e fn a t. t hi n esa dn , e
1 t Cou t ni s 8 he r de es ummayj r udgme to t sc eofacin. n n hi aus to
1 9 CO N CLUSI N O

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I I HEREBY OIDERED t tt M otont Re nd( No.9 i DENI TS I ha he i o ma ECF )s ED.
I I FURTHER ORDERED t tt Moto frSu r J TS ha he in o mmay udgme t( No. i n ECF 8) s

22 G RAN TED i pa ta d D ENI i i pa t The m oton i G RAN TED a t a lc s sofa ton n r n ED t n r. i s s o l au e ci

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23 e e de lr or udgme a quittte. xc pt caat yj nt nd e il
24 25 I I SO ORDERED . T S Dat t s 29t day ofDecem ber 201 ed hi h , 0.
Page 13 of 1 4

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