RONALD H. SARGIS, Bankruptcy Judge.
Plaintiff Elizabeth Luchini ("Plaintiff"), moves the court for entry of a Default Judgment against JPMorgan Chase Bank N.A. ("Defendant"). Jurisdiction for this Adversary Proceeding exists pursuant to 28 U.S.C. §§ 1334 and 157(a), and the referral of bankruptcy cases and all related matters to the bankruptcy judges in this District. ED Cal. Gen Order 182, 223. This Adversary Proceeding is a core matter arising under Title 11, including 11 U.S.C. §§ 523(a). 28 U.S.C. § 157(b)(2)(I).
Service and Notice of the Motion were made as required by Local Bankruptcy Rule 9014-1(f)(1). Plaintiff provided 45 days notice, with 28 days notice required.
Plaintiff owns real property commonly known as 1916 Devon Avenue, West Sacramento, California ("Residence"). Plaintiff filed her Chapter 13 bankruptcy case on April 21, 2010.
Plaintiff confirmed her Chapter 13 Plan which provided for the Defendant's Secured Claim in Class 2 of the Plan.
Plaintiff completed her Chapter 13 Plan and was granted a discharge on November 4, 2013. In completing her Chapter 13 Plan, Plaintiff has fulfilled all of her obligations under the Plan which binds Plaintiff and the creditors (including Defendant).
In the Complaint Plaintiff alleges that the Defendant refused to reconvey the Second Deed of Trust recorded against the Residence after she completed the Chapter 13 plan, received her bankruptcy discharge, and made demand for the Second Deed of Trust to be reconveyed. The failure of Defendant to act forced Plaintiff to commence this Adversary Proceeding to clear record title for the Residence of the Second Deed of Trust.
Plaintiff served on Defendant a Re-Issued Summons and the Complaint on December 18, 2013.
Plaintiff reports that in preparing the Motion for Entry of Default Judgment her counsel discovered that a reconveyance of the Second Deed of Trust occurred on December 17, 2013.
Federal Rule of Civil Procedure 55 and Federal Rule of Bankruptcy Procedure 7055 govern default judgments. In re McGee, 359 B.R. 764, 770 (9th Cir. BAP 2006). Obtaining a default judgment is a two-step process which requires: (1) entry of the defendant's default, and (2) entry of a default judgment. Id. at 770.
Even when a party has defaulted and all procedural requirements for a default judgment are satisfied, a claimant is not entitled to a default judgment as a matter of right. 10 Moore's Federal Practice-Civil SI 55.31 (Daniel R. Coquillette & Gregory P. Joseph eds. 3rd ed.). Entry of a default judgment is within the discretion of the court. Eitel v. McCool, 782 F.2d 1470, 1471 (9th Cir.1986). Default judgments are not favored, as the judicial process prefers determining cases on their merits whenever reasonably possible. Id. at 1472. Factors which the court may consider in exercising its discretion include:
Id. at 1471-72 (citing 6 Moore's Federal Practice — Civil ¶ 55-05[s], at 55-24 to 55-26 (Daniel R. Coquillette & Gregory P. Joseph eds. 3rd ed.)).; In re Kubick, 171 B.R. at 661-662.
In fact, before entering a default judgment the court has an independent duty to determine the sufficiency of Plaintiff's claim. Id. at 662. Entry of a default establishes well-pleaded allegations as admitted, but factual allegations that are unsupported by exhibits are not well pled and cannot support a claim. In re McGee, 359 B.R. at 774. Thus, a court may refuse to enter default judgment if plaintiff did not offer evidence in support of the allegations. See id. at 775.
The court considers each Claim for Relief stated in the Complaint, the evidence presented, and whether Plaintiff has established the right to such relief. In ruling on this Motion, the court has been presented with issues concerning whether claims for relief have been pleaded by the Plaintiff, and if so, whether sufficient, credible evidence has been presented to support granting the relief requested. The court begins with a brief discussion of the minimum pleading requirements in federal court, which are applicable to all of the Claims for Relief stated in the Complaint.
Proper pleading of a claim in federal court for bankruptcy proceedings is governed by Federal Rule of Civil Procedure 8(a) and Federal Rule of Bankruptcy Procedure 7008(a). The basic requirement is stated as,
Fed.R.Civ.P. 8(a)(2), (3); Fed. R. Bankr.P. 7008(a).
These general pleading requirements for a complaint in federal court were addressed by the United States Supreme Court in Bell Atlantic Corp. v. Twombly, 550 U.S. 544, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007), and restated by the Supreme Court in Ashcroft v. Iqbal, 556 U.S. 662, 129 S.Ct. 1937, 173 L.Ed.2d 868 (2009). In discussing the minimum pleading requirement for a complaint (which only requires a "short and plain statement of the claim showing that the pleader is entitled to relief" (Fed.R.Civ.P. 7(a)(2)), the Supreme Court reaffirmed that more than "an unadorned, the-defendant-unlawfully-harmed-me accusation" is required. Iqbal, 556 U.S. at 678-679, 129 S.Ct. 1937. Further, a pleading which offers mere "labels and conclusions" of a "formulaic recitations of the elements of a cause of action" are insufficient. Id. A complaint must contain sufficient factual matter, if accepted as true, "to state a claim to relief that is plausible on its face." Id. It need not be probable that the plaintiff will prevail, but that there are sufficient grounds a plausible claim has been pleaded by the party.
Plaintiff first seeks to have the Court "ratify" the value of the Residence
The court having already determined Defendant's Secured Claim to have a value of $0.00, no reason exists to issue a judgment stating that the court's prior findings of fact are "affirmed." That prior order and the findings of fact thereunder are not subject to attack or dispute. The findings and that final order stand, are enforceable, and binding on the parties. No "reaffirming" is required. No case or controversy with respect to the findings and order has been shown or exists, and no basis exists for granting such relief. U.S. Constitution, Article III, Section 2.
The requested relief on the First Claim for Relief is not warranted and the Motion requesting such relief is denied.
Plaintiff requests that pursuant to 11 U.S.C § 506(a) and Federal Rule of Bankruptcy Procedure § 3012 the Court "[r]atify the nature and extent of the Second Deed of Trust on the (Real) Property as determined ... by Order on July 2, 2010, of zero as stated in the order attached as Exhibit B."
The court first notes that the requested relief, that the nature and extent of the Second Deed of Trust is "zero," misstates the court's prior order. The court determined that the value of the "secured claim" is $0.00, not that the Second Deed of Trust is "zero." A deed of trust is an interest in real property to secure an obligation, and is not the debt.
The court has already issued a final order determining that Defendant's Secured Claim has a value of $0.00. There has been no ruling that "[t]he nature and extent of the SECOND TRUST DEED on the (Real) Property ... of zero as stated in the attached order ..."
The Motion requesting entry of a default judgment on the Second Claim for Relief is denied.
Plaintiff has completed her Chapter 13 Plan and requested that the Defendant reconvey the Second Deed of Trust. Evidence has been presented that Defendant called the Plaintiff's Counsel on October 21, 2013, and advised Counsel that Defendant would not discuss it with Plaintiff's bankruptcy attorney of record (the same person as Counsel for Plaintiff) without separate written authorization from the Plaintiff. Defendant did not provide
Plaintiff now requests judgment from the court to extinguish the second deed of trust legally described as:
As documented by the Trustee's Final Report and Account in the Plaintiff's bankruptcy case, Plaintiff's Chapter 13 Plan was confirmed on July 2, 2010, and completed on May 22, 2013. The Plaintiff received her discharge on November 4, 2013.
Plaintiff has properly stated a claim for, and presented evidence in support of the Motion for Entry of Default Judgment. Plaintiff is entitled to the full reconveyance of the Second Deed of Trust and to have title free and clear of such encumbrance. This court has previously addressed in detail the basis under California state law, standard note and deed of trust contractual law, and bankruptcy law for a deed of trust being void upon the completion of a Chapter 13 Plan which provides for payment of the 11 U.S.C. § 506(a) determinated secured claim value. Upon completion of such a plan, the creditor is required (contractually and statutorily) to reconvey the deed of trust to clear record title of the void deed of trust. In re Frazier, 448 B.R. 803 (Bankr.E.D.Cal.2011), affd., 469 B.R. 889 (E.D.Cal.2012); Martin v. CitiFinancial Services, Inc. (In re Martin), 491 B.R. 122 (Bankr.E.D.Ca.2013).
Upon completion of the Chapter 13 Plan and its terms becoming the final, modified contract between the Plaintiff, Defendant, and other creditors, there remains no obligation which is secured by the Second Deed of Trust. As a matter of California law, the Second Deed of Trust is void. The lien is also rendered void by operation of 11 U.S.C. § 506(d) upon completion of the Chapter 13 Plan.
In addition, California Civil Code § 2941(b)(1) imposes a statutory obligation on Defendant, as the beneficiary under the Second Deed of Trust, to reconvey that deed of trust when the secured obligation has been satisfied. The Chapter 13 Plan having been completed and Defendant having been paid the full amount of the secured claim as determined pursuant to 11 U.S.C. § 506(a), the Defendant's Secured Claim has been satisfied and there remains no obligation secured by the Second Deed of Trust.
Plaintiff directs the court to the Second Deed of Trust, and not any specific portion thereof, as grounds for the relief requested. The court, reading through the Second Deed of Trust, has identified Paragraph 23 which is titled "Reconveyance." It provides that upon payment of all sums secured by the Second Deed of Trust, Defendant shall have the interests under the
The Plaintiff is entitled to a determination that the Second Deed of Trust is void and of no force and effect. The court shall issue a judgment that the Second Deed of Trust is null and void, and of no force and effect, with respect to the following property:
Plaintiff alleges that Defendant has violated the California Rosenthal Fair Debt Collection Practices Act ("RFDCPA"). The collection of debts incurred primarily for personal, family, or household use, are subject to both federal and state statutes regulating collection practices — principally the Federal Fair Debt Collection Practices Act (15 U.S.C. §§ 1692-1692o) and the California Fair Debt Collection Practices Act (Rosenthal Fair Debt Collection Practices Act, California Civil Code §§ 1788-1788.32).
The FDCPA and the state Rosenthal Act differ in one key respect: the Rosenthal Act provides broader protection for consumers than the federal law. The FDCPA applies to any person or employee collecting consumer debt — not merely third-party debt collectors.
Plaintiff contends that Defendant is a debt collector under the Rosenthal Act who is attempting to collect a consumer debt. Plaintiff asserts Defendant's Secured Claim is a "debt" under the Rosenthal Act, constituting a "consumer credit transaction" as defined in California Civil Code §§ 1788.2(d), (e) and (f).
However, Plaintiff also alleges that the debt at issue is "attempting to be collected by Specialized Loan Servicing [`Specialized']," which is not named as a defendant in the Complaint or served with the Summons, Reissued Summons, or Complaint.
Plaintiff offers no evidence that JPMorgan Chase Bank, N.A., has been collecting or attempting to collect a debt. Moreover,
The lack of evidence supporting Plaintiff's contentions is particularly conspicuous. Plaintiff offers no declarations or documents of any conduct by Defendant in violation of the Rosenthal Act. The limited evidence presented is that Defendant has failed to take action with respect to reconveying the Second Deed of Trust and then communicating the December 2013 reconveyance to Plaintiff and Plaintiff's Counsel.
Plaintiff has not sufficiently pleaded a claim against Defendant for a violation of the Rosenthal Act. Further, to the extent that Plaintiff argues a claim has been properly pleaded (Fed.R.Civ.P. 8(a)(2), Fed. R. Bank. P. 7008), Plaintiff has failed to provide sufficient, credible evidence of any violation by Defendant.
The Motion requesting entry of a default judgment on the Fourth Claim for Relief is denied.
Plaintiff alleges that her California constitutionally protected right of privacy was invaded when Defendant continued to "contact and harass" Plaintiff. The California Supreme Court in Hill v. National Collegiate Athletic Assn., 7 Cal.4th 1, 26 Cal.Rptr.2d 834, 865 P.2d 633 (1994) articulated a private cause of action against a business for violating a Californian's right of privacy. Plaintiff argues that Defendant is still contacting Plaintiff and demanding payment on a discharged loan, despite the Plaintiff having obtained a stay under 11 U.S.C. § 362 and a discharge injunction under 11 U.S.C. § 524.
The California Supreme Court in Hill held that the elements of a private cause of action for invasion of the state constitutional right of privacy are:
With respect to this Claim for Relief, a number of reported cases have dismissed a claim for invasion of the California constitutional right of privacy on the ground that the behavior was not highly offensive and/or that the alleged injury was not serious. 1 Rights of Publicity and Privacy § 6:19 (2d ed). See e.g. Ruiz v. Gap, Inc., 540 F.Supp.2d 1121, 1128 (N.D.Cal.2008), aff'd, 380 Fed. Appx. 689 (9th Cir.2010) (Theft of a retail store's laptop containing social security numbers of job applicants did not constitute an egregious breach of privacy in violation of the California constitutional right to privacy. "The only harm Ruiz alleges in his Complaint is that, as a result of the laptop thefts, he is now at an increased risk of identity theft."); Folgelstrom
Plaintiff's conclusory statements in the Complaint do not constitute a "short and plain statement of the claim showing that [Plaintiff] is entitled to relief" against Defendant on the Fourth Claim for Relief. Plaintiff does not allege, and has not provided credible evidence, that she has an informational or autonomy privacy right which has been violated in the alleged interactions with the Defendant. Plaintiff merely alleges in the Complaint that Defendant's failure to reconvey the Second Deed of Trust has violated her California constitutional right of privacy. Though there is the vague, non-specific allegation that Defendant is "repeatedly calling" and "sending notices" to Plaintiff after discharge, no evidence of such calls or notices has been provided. At best, the Complaint is merely "stock language" of conclusions, upon which Plaintiff demands "pay me."
Plaintiff's allegations are lacking the basic elements of the "Five Ws" — a formula inculcated in grade school students and apprentice news reporters to identify "who, what, where, when, and why" in providing a complete picture of a situation. Plaintiff fails to allege any specific facts or provide evidence of conduct by Defendant asserted to violation the California constitutional right of privacy. Plaintiff provides no evidence with respect to the general allegation that "numerous calls were made" as to who made these calls, when they were made, the number of calls, the subject matter of the calls, and the effect of the calls.
Plaintiff concludes that "calling by telephone is no different than the Defendants coming to their door and banging on it." Plaintiff does not provide any legal authority for the proposition that a phone call is the same as someone banging on the door. Nothing is presented (or even alleged) regarding (1) how often Plaintiff was called, (2) who called, (3) time the calls were made, (4) dates the calls were made, (5) subject matters of the calls, (6) responses to the calls, (7) impact of the calls on the Plaintiff, (8) requests to cease such communications, and (9) where the calls were received (home, place of employment, neighbors' residence).
Not having offered sufficient factual allegations and not providing the court with credible evidence that Plaintiff's California constitutional right to privacy has been violated by the Defendant, the Motion for entry of default judgment on the Fifth Claim for Relief is denied.
Plaintiff states that she executed and delivered to Washington Mutual, as beneficiary, a certain trust deed recorded in Yolo County, California, on August 27, 2007 as Doc # 2007-003027823, and covering the property. Defendant is the successor in interest to the Note and Second Deed of Trust, and is the creditor asserting the secured and unsecured claim thereunder in this case.
Plaintiff having completed the Chapter 13 Plan, the Second Deed of Trust is void (the 11 U.S.C. § 506(a) secured claim value having been paid in full) and Plaintiff is entitled to have the Second Deed of Trust reconveyed by Defendant. Plaintiff provides evidence that Defendant did not return the original note marked paid, reconveyed or instructed the reconveyance by the trustee thereunder of the Second Deed of Trust, and any other necessary documents required under California Civil Code § 2941 within 30 days of the notice that the Chapter 13 Plan was completed.
The Bankruptcy Court Notice documenting the Chapter 13 Plan had been completed was served by the Clerk of the Court on October 19, 2013. Adding three days for service by mail (Fed. R. Bank. P. 9007(f), if applicable), Defendant had notice as of October 22, 2013, that the Chapter 13 Plan was completed and all of the rights and obligations provided for in the Plan were permanently fixed.
California Civil Code § 2941(b)(1) requires that within 30 days of the obligation secured by a deed of trust having been satisfied, the beneficiary [Defendant] shall deliver to the trustee under the deed of trust an executed request for reconveyance and supporting documents. The trustee under the deed of trust then has 21 days from receipt of the request for reconveyance to reconvey the deed of trust. Cal. Civ. § 2941(b)(1)(A). The trustee under the deed of trust, not the beneficiary, is responsible for providing a copy of the reconveyance to the owner of the property — here the Plaintiff. Cal. Civ. § 2941(b)(1)(B)(ii).
From the facts presented to this court, the thirty day period from after October 22, 2013, for Defendant to provide a request for reconveyance to the trustee under the Second Deed of Trust expired on November 21, 2013. Then, the twenty-one day period 21 for the trustee under the Second Deed of Trust to record the reconveyance expired on December 12, 2013.
Defendant has elected not to appear in connection with the present Motion, and has not provided any evidence relating to its conduct and the relief requested. The reconveyance was recorded on December 17, 2013.
Plaintiff has not alleged, and did not provide any evidence of any damages sustained by the violation. Plaintiff has demanded, and provided evidence to support the award of the mandatory $500.00 in statutory damages.
In addition, Plaintiff requests that the court award her the attorneys' fees for litigating this Adversary Proceeding as part of her actual damages. Clearly, California Civil Code § 2941(d) does not grant a statutory right attorneys' fees for § 2941 litigation with the creditor. The California Legislature knows how to, and has created such statutory attorneys' fees provisions — including California Civil Code §§ 1785.31(a)(1) [Consumer Credit Reporting Agencies Act], 1788.30(c) [Rosenthal Act], 1780(e) [Consumers Legal Remedies Act], and 1811.1 [Unruh Act]. No basis has been shown for the award of the attorneys' fees for Plaintiff prosecuting this Complaint.
Based on the evidence presented supporting Plaintiff's claim, the court grants the motion, awards the $500.00 damages imposed by California Civil Code § 2924(d) to be paid by Defendant, and shall enter judgment thereon.
Plaintiff alleges that the Defendant is reporting (unspecified) "derogatory information" about Plaintiff to one or more consumer reporting agencies (credit bureaus) as defined by 15 U.S.C. § 1681a. Plaintiff alleges that she has a copy of their credit report and that she has determined that the credit report has "derogatory information" which has been reported by Defendant to the consumer reporting agencies.
Plaintiff further asserts that Defendant has not removed the "derogatory information" and has not provided notice of this disputed matter to the credit reporting agencies. Plaintiff asserts that this is a violation of 15 U.S.C. § 1681s-2, the Federal Fair Credit Reporting Act ("FCRA"). It is further alleged that Defendant did not complete an investigation of Plaintiff's written dispute and provide the results of an investigation to Plaintiff within the thirty day period as required by 15 U.S.C. § 1681S-2.
The FCRA imposes a duty on furnishers of information to a consumer reporting agency to provide accurate information, and bars such agencies from reporting information if they have actual knowledge, after receipt of notice and confirmation of such errors, or that have reasonable cause to believe that the information being reported is inaccurate. 15 U.S.C. § 1681(a). Consumer credit reporting agencies have an affirmative duty to correct and update information, and furnishers of information must notify agencies of any information that may not be complete or accurate, of closed accounts, delinquent accounts, and disputed information.
In the instant Adversary Complaint, Plaintiff has not alleged what "derogatory information" was provided by Defendant and is being reported by a consumer reporting agency. Other than citing statutory
Plaintiff has offered no credible evidence in support of the naked assertions that Defendant has violated the FCRA. No copies of or quotations from the offending reports are provided. Plaintiff does not present evidence of Defendant providing false or unverified information to consumer reporting agencies concerning the debt owed to Defendant. Plaintiff alleges that Defendant has "not provided notice of this disputed matter to the credit bureaus and is therefore in violation of 15 U.S.C. § 1681s-2," but does not provide any factual detail or evidence in support of a bald allegation that "Defendant broke the law."
Plaintiff simply states that she seeks a judgment against Defendant for willful noncompliance of the Fair Credit Reporting Act and requests statutory remedies as defined by 15 U.S.C. § 1681. This is based on Plaintiff having determined that such violations occurred and that Plaintiff having determined that she is entitled to damages. To grant the relief requested, this court would be relegated to be nothing more than the Plaintiff's rubber stamp-signing a judgment merely because the Plaintiff instructed to court to do so.
No claim having been sufficiently pleaded (Fed.R.Civ.P. 8, Fed. R. Bankr.P. 7008) and there being no credible evidence to support a determination that a violation of the FDCPA occurred, the court denies the Motion for default judgment for the Seventh Claim for Relief.
Plaintiff requests an award of attorneys' fees. This claim for relief is not pleaded as a separate cause of action or claim in the Complaint. The requirements for stating a claim for attorneys' fees in Bankruptcy Court are set out by Federal Rule of Bankruptcy Procedure 7008(b), which provides that
As stated above, Federal Rule of Civil Procedure 8(a) and Federal Rule of Bankruptcy Procedure 7008(a) require there to be "a short and plain statement of the claim showing that the pleader is entitled to relief," which must be more than merely "an unadorned, the-defendant-unlawfully-harmed-me accusation" or "formulaic recitations of the elements of a cause of action," as stated by the Supreme Court in Bell Atlantic v. Twombly and Ashcroft v. Iqbal.
Courts have split on the issue of what constitutes a party having properly "pleaded as a claim in a complaint...., answer or reply" the right to attorneys' fees. This court identifies one line of cases from bankruptcy courts holding that a "claim" for attorney's fees does not need to be pleaded in the body of a complaint. See First Nat'l Bank v. Bernhardy (In re Bernhardy), 103 B.R. 198, 199 (Bankr. N.D.Ill.1989) (holding, without discussing Rule 7008(b), that "[t]here is no provision in the Code or the rules that requires [a debtor] to plead a request for attorney's fees" and that if there were such a provision requiring specific pleading, a prayer for "`such other relief as is just' is sufficient");
This court applies a plain language reading of the requirements of Federal Rule of Bankruptcy Procedure 7008(a) and (b), and Federal Rule of Civil Procedure 8(b).
The Bankruptcy Appellate Panel for the Ninth Circuit in Charlie Y., Inc. v. Carey (In re Carey), 446 B.R. 384 (9th Cir. BAP 2011), concluded that while the claim does not need to be pleaded as a formal separate cause of action, the claim must be sufficient to comply with Federal Rule of Civil Procedure 8(a)(2) and Federal Rule of Bankruptcy Procedure 7008(a). Id. at 392-393. In concluding that a claim for attorneys' fees was sufficiently pleaded in the complaint before that court, the Bankruptcy Appellate Panel found that (1) the preamble to that complaint stated that attorneys' fees were sought; (2) Paragraph 1 of the complaint identified a note as a contractual basis for the obligation; (3) Paragraph 7 of that complaint cited to a Replacement Guarantee contractual obligation; (4) Paragraph 10 of that complaint cited to the state court complaint on the same claim and that plaintiff sought attorneys' fees with respect to that claim; (5) the first claim for relief in that complaint realleged paragraphs 1-18 of the complaint; and (6) finally, the prayer for that complaint requested judgment for damages which expressly included attorneys' fees. The plaintiff in that case sought to enforce the contractual attorneys' fees provisions in the note and the restated guaranty.
While Plaintiff's Complaint does not state a separate cause of action for attorneys' fees, the court finds that within the body of the Complaint grounds are stated in support of such relief. These include the following:
Though the better practice is to plead a clear "claim" which states the basis for the requested attorneys' fees, the Complaint provides the court with the minimum pleading necessary. The elements of a "short and plain statement of the claim showing that the pleader is entitled to relief" can be cobbled together from the Complaint.
Plaintiff seeks the recovery of $4,774.75 in attorneys' fees. The evidence in support of these fees and costs is provided by the Declaration of Peter Cianchetta, counsel for Plaintiff, and Exhibit F, a detailed billing statement documenting the fees and costs. Dckts. 24 and 26, respectively. The detailed billing statement documents the services provided, the hourly rates charged, and the time expended for each charge.
These services include the pre-adversary proceeding "due diligence" to check the county real property records to confirm that JPMorgan Chase Bank, N.A. had failed to reconvey the Second Deed of Trust. The $4,774.75 fees include the pre-filing due diligence, preparation and finalization of the Complaint, obtaining the original and a Re-Issued Summons, obtaining the entry of the default, preparing and filing the Motion for entry of default judgment, including the required supporting evidence. The requested fees do not include fees for the hearing on the Motion for Entry of Default Judgment or preparation of a proposed judgment.
The court considers whether an adjustment in the fees requested should be made in light of the court denying the relief requested under the Rosenthal Act claims, Fair Credit Reporting Act Claims, and California Constitutional Right of Privacy Claims. The detailed billing statement does not provide a breakdown of how much time and charges relate to these denied claims for relief. Plaintiff is not warranted in obtaining an award of attorneys' fees for such claims.
The court notes that counsel for Plaintiff has been very judicious in his billings and use of time in prosecuting this case. Clearly it is not a situation where a plaintiff's attorney saw an opportunity to excessively bill, hoping to have it slide by the court on a default judgment. Defendant has not opposed the award of attorneys' fee or asserted that the $4,774.75 is not reasonable or proper.
Attorneys' fees in the amount of $4,774.75 for obtaining a declaratory judgment that the Second Deed of Trust is void, an award of $500.00 statutory damages for the violation of California Civil Code § 2941, obtaining the entry of the default, and prosecuting a motion for entry of default judgment and presenting the necessary evidence are reasonable. The court awards $4,774.75 in attorneys' fees for the Plaintiff.
Plaintiff has requested an additional $113.00 costs and expenses in this Adversary Proceeding. These are not listed on the detailed billing statement. The Motion identifies these costs and expenses to be $33.00 in County Recorder Fees, $40.00 courier fee to obtained a certified copy of the court order, and $40.00 courier fee to record the court order. While these costs
The court allows $4,774.75 in attorneys' fees and $113.00 in costs for Plaintiff to be paid by JPMorgan Chase Bank, N.A.
The court denies the Motion and does not enter judgment on the First, Second, Fourth, Fifth, and Seventh Claims for Relief.
The court grants Judgment for Plaintiff and against Defendant for the Third Cause of Action, determining that the Second Deed of Trust is void and of no force and effect; for $500.00 in statutory damages pursuant to California Civil Code § 2941(d) pursuant to the Sixth Cause of Action; and for $4,774.75 in attorneys' fees and $113.00 in costs.
The court not having entered judgment on all of the Claims for Relief, the Plaintiff shall file a motion to file an amended complaint for the First, Second, Fourth, Fifth, and Seventh Claims for Relief on or before
If Plaintiff elects not to file such a motion or no such motion is filed on or before June 18, 2014, the court shall enter judgment granting relief on the Third and Sixth Claims for Relief and attorneys' fees, and dismiss without prejudice the First, Second, Fourth, Fifth, and Seventh Claims for Relief. If the Plaintiff elects to the dismissal of such claims, she may do so pursuant to Federal Rule of Civil Procedure 41(a)(1)(A)(i) and Federal Rule of Bankruptcy Procedure 7041 and not wait until after June 16, 2014 for the entry of the judgment. A copy of the Rule 41(a)(1)(A)(i) dismissal will be emailed to Janet Larson, courtroom deputy for Department E, by Plaintiff if it is filed with the court.
This Memorandum Opinion and Decision constitutes the court's findings of fact and conclusions of law pursuant to Federal Rule of Civil Procedure 52 and Federal Rule of Bankruptcy Procedure 7052.
The court shall enter a separate order consistent with this Ruling.
