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In re: James Manuel Rodriguez, SC-17-1245-FLB (2021)

Court: United States Bankruptcy Appellate Panel for the Ninth Circuit Number: SC-17-1245-FLB Visitors: 25
Filed: Feb. 01, 2021
Latest Update: Feb. 02, 2021
                                                                          FILED
                                                                              FEB 1 2021

                                                                   SUSAN M. SPRAUL, CLERK
                                                                        U.S. BKCY. APP. PANEL
                                                                        OF THE NINTH CIRCUIT



                            NOT FOR PUBLICATION

          UNITED STATES BANKRUPTCY APPELLATE PANEL
                    OF THE NINTH CIRCUIT

In re:                                              BAP No. SC-17-1245-FLB
JAMES MANUEL RODRIGUEZ,
            Debtor.                                 Bk. No. 15-02444-CL7

JAMES MANUEL RODRIGUEZ,                             Adv. No. 15-90095-CL
            Appellant,
v.                                                  MEMORANDUM *
STATE FARM MUTUAL AUTOMOBILE
INSURANCE COMPANY,
            Appellee.

              Appeal from the United States Bankruptcy Court
                    for the Southern District of California
             Christopher B. Latham, Bankruptcy Judge, Presiding

Before: FARIS, LAFFERTY, and BRAND, Bankruptcy Judges.




      * This disposition is not appropriate for publication. Although it may be cited for
whatever persuasive value it may have, see Fed. R. App. P. 32.1, it has no precedential
value, see 9th Cir. BAP Rule 8024-1.
                                 INTRODUCTION

      Appellant James Manuel Rodriguez transferred a Ferrari, his prized

possession, to his ex-girlfriend. When the relationship soured, he took the

Ferrari and refused to return it. Appellee State Farm Mutual Insurance

Company (“State Farm”) paid his ex-girlfriend for the loss of her car. When

Dr. Rodriguez filed for chapter 7 1 bankruptcy protection, State Farm sought

to have its subrogation claim against Dr. Rodriguez declared

nondischargeable under § 523(a)(6). After a trial, the bankruptcy court

determined that Dr. Rodriguez had caused willful and malicious injury by

converting the Ferrari.

      Dr. Rodriguez appeals, arguing that he did not intend to injure his

ex-girlfriend and relied on the advice of counsel in withholding the car. He

also argues that his ex-girlfriend had unclean hands and that the court

should not have awarded State Farm its full damages.

      The bankruptcy court properly identified the applicable law and

made appropriate findings of fact, including credibility determinations.

Accordingly, we AFFIRM.




      1Unless specified otherwise, all chapter and section references are to the
Bankruptcy Code, 11 U.S.C. §§ 101-1532.

                                            2
                                         FACTS 2

A.     Prepetition events

       In 2005, Dr. Rodriguez began a two-year romantic relationship with

Shirley Sun. They jointly purchased a house in San Diego, California (the

“Porter Creek Property”). Ms. Sun helped Dr. Rodriguez open his dental

practice, where she served as the office manager, business developer, and

the referral source of the bulk of its clientele.

       Their romantic relationship ended in 2007, but they continued to live

together. In 2010, Ms. Sun began dating William Curtis, who also moved

into the Porter Creek Property and began working at Dr. Rodriguez’s

dental practice. Dr. Rodriguez, Ms. Sun, and Mr. Curtis agree that, at first,

they lived together happily.

       Beginning in 2011, Dr. Rodriguez began experiencing financial

difficulties. He could not pay his bills and transferred certain real and

personal property to Ms. Sun. In 2013, Dr. Rodriguez put his dental

practice into chapter 11 bankruptcy, and the practice later dissolved.

       Dr. Rodriguez was an exotic automobile enthusiast who owned

several cars, including the 1995 Ferrari 348 Spider around which this

appeal revolves. He obtained two title loans using the Ferrari as collateral.

Under the second loan, he paid a $5,000 fee to get a $10,000 loan. When the

       2 We exercise our discretion to review the bankruptcy court’s docket, as
appropriate. See Woods & Erickson, LLP v. Leonard (In re AVI, Inc.), 
389 B.R. 721
, 725 n.2
(9th Cir. BAP 2008). We rely partially on the bankruptcy court’s recitation of the basic
facts in its memorandum decision.

                                             3
final payment became due in June 2011, at Dr. Rodriguez’s request,

Ms. Sun paid off the note’s balance to save his prized Ferrari. 3 He then

transferred title to the Ferrari to Ms. Sun. They valued the Ferrari at $37,000

on the transfer paperwork. 4

       Ms. Sun then insured the Ferrari with State Farm. The policy named

Dr. Rodriguez as an additional driver and included coverage for loss due

to theft. Ms. Sun and Dr. Rodriguez agreed that he would drive the Ferrari

only if he obtained Ms. Sun’s permission.

       The household relationship deteriorated thereafter. In April 2013,

Ms. Sun and Mr. Curtis left Dr. Rodriguez’s dental practice and opened

their own spa business. While Ms. Sun and Mr. Curtis were abroad,

Dr. Rodriguez abruptly moved out of the Porter Creek Property on May 4,

2013. He took the Ferrari, left a note stating that the Ferrari was safe, and

placed it at the shop of automobile mechanic Steve Maxwell.

       Upon their return, Ms. Sun and Mr. Curtis immediately demanded

that Dr. Rodriguez return the Ferrari. Dr. Rodriguez refused.

       After he removed the Ferrari from the Porter Creek Property,

Dr. Rodriguez sought legal advice from the law firm that was representing


       3 Dr. Rodriguez maintains that the final payment was $1,000 and that he was
current on the payments. Ms. Sun and Mr. Curtis testified that Ms. Sun paid $12,000 at
Dr. Rodriguez’s request. The bankruptcy court credited the latter testimony but found
that the exact amount was irrelevant to the ultimate issues at trial.
       4   The parties dispute the amount of money Ms. Sun paid Dr. Rodriguez for the
Ferrari.

                                             4
his dental practice in its bankruptcy case. 5 On May 6, 2013, he met with

attorney Nuni Reznik to discuss the Ferrari. Over the next few weeks,

Mr. Reznik advised him to move the car to a neutral location.

(Dr. Rodriguez later moved the Ferrari to the personal garage of another of

Mr. Maxwell’s clients.)

      Shortly thereafter, Dr. Rodriguez sued Ms. Sun and Mr. Curtis in

state court for fraud and conversion. The parties engaged in an

unsuccessful mediation. Dr. Rodriguez and Mr. Reznik discussed the

possibility of seeking a temporary restraining order against Ms. Sun and

Mr. Curtis, but they ultimately did not do so. The record does not reveal

the final disposition of the state court action.

      In July 2013, Ms. Sun filed a stolen vehicle report with the police. She

also made a claim under the State Farm policy. State Farm investigated her

claim and paid her $56,855.51. It later recovered the Ferrari and sold it at

auction, but the net unrecovered balance was $42,003.51.

B.    The chapter 7 bankruptcy case and adversary proceeding

      Later, Dr. Rodriguez filed a chapter 7 petition and scheduled State

Farm’s $57,000 unsecured claim. Dr. Rodriguez received his discharge and

the court closed the case.

      State Farm timely filed an adversary proceeding against


      5  Dr. Rodriguez testified that he consulted with his attorneys about the Ferrari
before he took it, but the bankruptcy court did not credit that testimony, instead finding
that he first talked to counsel about the car a few days after he took it.

                                            5
Dr. Rodriguez. It alleged that Dr. Rodriguez wrongfully took the Ferrari

from Ms. Sun; that it paid Ms. Sun for the loss of the vehicle pursuant to

her insurance policy and was subrogated to her claims against

Dr. Rodriguez; and that the claim was nondischargeable under § 523(a)(6).

C.    Trial and decision

      Prior to trial, the parties submitted a joint stipulation of facts. They

agreed that the sole issue for trial was “whether Rodriguez’[s] taking

and/or refusing to return the Ferrari constituted a ‘willful and malicious

injury’ under Section 523(a)(6) thereby rendering State Farm’s claim against

Rodriguez nondischargeable.” The stipulation was incorporated into the

court’s pretrial order.

      The bankruptcy court held a three-day trial. Dr. Rodriguez’s defense

centered on his “benign” motives and lack of intent to injure Ms. Sun. He

testified that he, Ms. Sun, and Mr. Curtis were living as “one big happy

family.” He said that in 2013, he “came out of a fog” and realized that

Ms. Sun had been taking advantage of him. He testified that he believed

that ownership of the Ferrari was disputed, so he did not think that he was

wrongfully taking the car. He stated that he relied on Mr. Reznik’s advice

to hold the Ferrari in a neutral location and that Mr. Reznik did not advise

him to return the car.

      Mr. Reznik testified that, to the best of his recollection, Dr. Rodriguez

first talked to him about the Ferrari after he had taken possession of it. He

testified that he did not advise Dr. Rodriguez to take the Ferrari, only that

                                        6
it should be held by a neutral third-party.

      The bankruptcy court made detailed findings of fact and generally

did not credit Dr. Rodriguez’s testimony. It found that Ms. Sun bought the

Ferrari from Dr. Rodriguez and was the sole owner of the car; the court did

not believe Dr. Rodriguez’s inconsistent stories about how she became the

titleholder.

      The bankruptcy court found that Mr. Reznik did not and could not

have counseled Dr. Rodriguez about taking the Ferrari beforehand.

      The court concluded that Dr. Rodriguez had intentionally committed

the state law tort of conversion. Ms. Sun had sole title and possession of the

Ferrari, yet Dr. Rodriguez removed the Ferrari and never returned it. His

conduct was wrongful and violated Ms. Sun’s rights. The taking harmed

Ms. Sun by depriving her of her property.

      The court also separately held that State Farm had established the

“willful” and “malicious” prongs of § 523(a)(6). As to willfulness, it found

both that Dr. Rodriguez had a subjective motive to injure Ms. Sun and he

believed that injury was substantially certain to occur. As to malice, the

court determined that Dr. Rodriguez committed a wrongful act,

intentionally, and injured Ms. Sun. It further rejected Dr. Rodriguez’s

advice-of-counsel defense and held that he took the Ferrari without just

cause or excuse.

      Finally, the court awarded State Farm damages in the amount of

$42,003.51 – representing the undisputed balance of the amount it paid to

                                      7
Ms. Sun on her insurance claim minus its recovery after the Ferrari was

sold at auction – plus pre- and post-judgment interest.

       Dr. Rodriguez filed a motion for reconsideration. He argued that the

court: (1) erred in accepting $42,003.51 as the measure of damages;

(2) failed to adequately consider his subjective intent; (3) failed to properly

consider the “reliance on the advice of counsel” defense as negating a

finding of malice; and (4) failed to consider his anti-subrogation waiver

defense.

       The bankruptcy court rejected each of Dr. Rodriguez’s arguments. It

noted that none of the arguments were presented at trial or in a post-trial

brief, and it also rejected them on the merits.

       Dr. Rodriguez timely appealed.

                                   JURISDICTION

       The bankruptcy court had jurisdiction under 28 U.S.C. §§ 1334 and

157(b)(1) and (2)(I). We have jurisdiction under 28 U.S.C. § 158. 6



       6 Some of the issues that Dr. Rodriguez presents on appeal were not before the
bankruptcy court at trial and were raised for the first time in his motion for
reconsideration. Although Dr. Rodriguez’s notice of appeal refers only to the judgment
and not the order denying reconsideration, we will review those issues stemming from
the motion for reconsideration. Le v. Astrue, 
558 F.3d 1019
, 1022-23 (9th Cir. 2009) (Even
if an order “‘does not appear on the face of the notice of appeal,’ we are to consider: ‘(1)
whether the intent to appeal a specific judgment can be fairly inferred and (2) whether
the appellee was prejudiced by the mistake.’” (quoting Lolli v. Cty. of Orange, 
351 F.3d 410
, 414 (9th Cir. 2003)). It is fairly obvious that Dr. Rodriguez intended to appeal from
the reconsideration order, and State Farm had an opportunity to brief the issues and did
so. But we will not overlook Dr. Rodriguez’s failure to raise certain issues at trial.
                                             8
                                      ISSUE

      Whether the bankruptcy court erred in declaring State Farm’s

subrogation claim nondischargeable under § 523(a)(6).

                          STANDARDS OF REVIEW

      We review de novo the bankruptcy court’s legal conclusions,

including its construction of § 523(a)(6). Hamilton v. Elite of L.A., Inc. (In re

Hamilton), 
584 B.R. 310
, 318 (9th Cir. BAP 2018), aff’d, 785 F. App’x 438 (9th

Cir. 2019) (citing Carrillo v. Su (In re Su), 
290 F.3d 1140
, 1142 (9th Cir. 2002)).

“De novo review requires that we consider a matter anew, as if no decision

had been made previously.” Francis v. Wallace (In re Francis), 
505 B.R. 914
,

917 (9th Cir. BAP 2014).

      The clear error standard applies to the bankruptcy court’s factual

findings, including a party’s mental state. In re 
Hamilton, 584 B.R. at 318
.

Factual findings are clearly erroneous if they are illogical, implausible, or

without support in the record. Retz v. Samson (In re Retz), 
606 F.3d 1189
,

1196 (9th Cir. 2010). “To be clearly erroneous, a decision must strike us as

more than just maybe or probably wrong; it must . . . strike us as wrong

with the force of a five-week-old, unrefrigerated dead fish.” Papio Keno

Club, Inc. v. City of Papillion (In re Papio Keno Club, Inc.), 
262 F.3d 725
, 729

(8th Cir. 2001). If two views of the evidence are possible, the court’s choice

between them cannot be clearly erroneous. Anderson v. City of Bessemer City,

470 U.S. 564
, 573-74 (1985).



                                         9
                                DISCUSSION

A.    Section 523(a)(6) excludes from discharge debts arising from
      “willful and malicious injury.”
      The bankruptcy court correctly recited the standard for determining

whether the claim was dischargeable under § 523(a)(6). That section

excepts from discharge any debt arising from “willful and malicious injury

by the debtor to another entity or to the property of another entity[.]”

§ 523(a)(6). The creditor must prove both willfulness and malice. Ormsby v.

First Am. Title Co. of Nev. (In re Ormsby), 
591 F.3d 1199
, 1206 (9th Cir. 2010).

“Under Ninth Circuit law, willfulness and malice are two distinct elements

that must not be conflated.” Comcast of L.A., Inc. v. Sandoval (In re Sandoval),

341 B.R. 282
, 296 (Bankr. C.D. Cal. 2006).

      The “willful injury requirement is met only when the debtor has a

subjective motive to inflict injury or when the debtor believes that injury is

substantially certain to result from his own conduct.” In re 
Su, 290 F.3d at 1142
; see Barboza v. New Form, Inc. (In re Barboza), 
545 F.3d 702
, 706 (9th Cir.

2008) (“A ‘willful’ injury is a ‘deliberate or intentional injury, not merely a

deliberate or intentional act that leads to injury.’” (citation omitted)). This

analysis requires an inquiry into the debtor’s subjective state of mind. See

In re 
Su, 290 F.3d at 1145-46
. In other words, it is not enough to prove that

the debtor acted intentionally and caused an injury. Kawaauhau v. Geiger,

523 U.S. 57
, 61 (1998).

      “A ‘malicious’ injury involves ‘(1) a wrongful act, (2) done


                                       10
intentionally, (3) which necessarily causes injury, and (4) is done without

just cause or excuse.’” Petralia v. Jercich (In re Jercich), 
238 F.3d 1202
, 1209

(9th Cir. 2001) (quoting Murray v. Bammer (In re Bammer), 
131 F.3d 788
, 791

(9th Cir. 1997)).

      The tort of conversion under California law does not necessarily

satisfy the “willful and malicious” standard. Zeeb v. Farah (In re Zeeb), BAP

No. CC-15-1012-FKiKu, 
2015 WL 6720934
, at *5 (9th Cir. BAP Nov. 3, 2015)

(“Conversion under California law does not require a showing that the

defendant subjectively intended to injure the plaintiff or subjectively knew

that the defendant’s conduct was substantially certain to injure the

plaintiff.”). Nevertheless, conversion may satisfy the willful and malicious

prongs of § 523(a)(6) if the trier of fact makes the appropriate findings

about the debtor’s mental state. See In re 
Sandoval, 341 B.R. at 295
(“Consequently, to prevail on its claim of nondischargeability [under

§ 523(a)(6)], [the creditor] must first establish that a conversion has

occurred under California law, and second that the conversion is willful

and malicious.”).

B.    The bankruptcy court did not err in determining that Dr. Rodriguez
      had caused willful and malicious injury.
      The bankruptcy court carefully sorted through the evidence and

determined that State Farm had satisfied each element of § 523(a)(6). It

found that Dr. Rodriguez intended to cause willful and malicious injury to

Ms. Sun and that his testimony to the contrary was not credible. These


                                         11
findings easily pass muster under the “clearly erroneous” standard of

review.

      1.     Dr. Rodriguez’s “willful” intent at the time of taking

      Dr. Rodriguez argues that the bankruptcy court erred in finding that

the point of inquiry for his “willful intent” was the moment he took the car.

He argues that, before Ms. Sun demanded the return of the car, the taking

“was an inchoate tort, an incipient act, not yet wrongful.”

      The “inchoate tort” contention is absurd. One would never say that

arson is not committed until the homeowner returns to find her home in

ashes. As soon as Dr. Rodriguez took the vehicle, he committed the tort of

conversion. “Under California law, conversion is defined as ‘the wrongful

exercise of dominion over the personal property of another.’ . . . More

specifically, conversion includes: ‘any act of dominion wrongfully asserted

over another’s personal property in denial of or inconsistent with his rights

therein.’” In re 
Sandoval, 341 B.R. at 295
-96 (citations omitted). As the

bankruptcy court comprehensively explained, Dr. Rodriguez’s taking of

the Ferrari was a wrongful act that deprived Ms. Sun of her right to her car.

His conduct was tortious even though she did not yet know that he had

wronged her. 7

      The remaining question for purposes of § 523(a)(6) was whether the

injury was “willful and malicious.” The bankruptcy court did not clearly


      7 Even if the tort was contingent upon Ms. Sun realizing that Dr. Rodriguez had
taken the Ferrari, it is undisputed that she and Mr. Curtis demanded that he return the
                                           12
err when it rejected Dr. Rodriguez’s testimony that his intention was

“benign.” As the trier of fact, the court closely listened to his testimony,

found him not credible, and rejected his versions of events. See Wilczak v.

Select Portfolio Servicing, Inc. (In re Wilczak), 830 F. App’x 545, 546 (9th Cir.

2020) (“[W]e give singular deference to a trial court’s judgments about the

credibility of witnesses,’ including the bankruptcy court’s determinations

that [a witness’s] testimony was credible and the [debtors’] testimony was

implausible.” (quoting Cooper v. Harris, 
137 S. Ct. 1455
, 1474 (2017))). Based

on the evidence that the court found credible, the court found that

Dr. Rodriguez’s state of mind when he took the Ferrari was not “benign.”

      The bankruptcy court found that Dr. Rodriguez subjectively intended

to injure Ms. Sun because he was angry that she and Mr. Curtis had left the

dental practice and that he wanted to prevent her from selling the Ferrari.

It found that “[h]is willful intent suffused the entire scheme . . . .” It also

found that his plan was premeditated and that he admitted in his trial brief

that he was intending a “polygamous divorce” akin to dropping a “nuclear

bomb.” The finding that he had a subjective intent to harm Ms. Sun was

not clearly erroneous.

      The court found that Dr. Rodriguez believed that injury was

substantially certain to result. It stated that his plan was premeditated, and

he undoubtedly understood that the Ferrari was not his. He deprived

Ms. Sun of both the use of the Ferrari and the value of the car. The court’s

car immediately upon their return, and Dr. Rodriguez refused.
                                          13
finding that the injury was willful was not clearly erroneous.

      2.      Dr. Rodriguez’s alleged reliance on advice of counsel

      Second, Dr. Rodriguez argues that the bankruptcy court erred in not

finding that he relied on the advice of counsel as a “just cause or excuse” to

negate the malice prong of § 523(a)(6). He acknowledges that there may be

“considerable dispute” as to whether he relied on Mr. Reznik’s advice

before taking the car, but he maintains that he relied on Mr. Reznik’s

advice in not returning the car.

      In the context of bankruptcy and dischargeability, the Ninth Circuit

has stated:

      It is true that “[g]enerally, a debtor who acts in reliance on the
      advice of his attorney lacks the intent required to deny him a
      discharge of his debts.” That reliance, however, must be “in
      good faith.” This court has held that the advice of counsel claim
      is not a separate defense, but rather “a circumstance indicating
      good faith which the trier of fact is entitled to consider on the
      issue of fraudulent intent.”

Maring v. PG Alaska Crab Inv. Co. LLC (In re Maring), 338 F. App’x 655, 658

(9th Cir. 2009) (internal citations and emphasis omitted). The defendant has

the burden of proving the requisite elements of advice of counsel. See

Stephens v. Stinson, 
292 F.2d 838
, 838 (9th Cir. 1961) (“Of course, it is usually

a question of fact whether clients implicitly relied on advice of counsel. . . .

And, clearly, here the burden of proof shifted to the bankrupts.”).

      In other words, the advice of counsel can negate the mental state

required by § 523(a)(6) only if the debtor establishes that his counsel gave
                                       14
advice and that the debtor acted in good faith reliance on that advice. CWB

Holdings, LLC v. Anderson (In re Anderson), BAP No. AZ-17-1071-FSKu, 
2017 WL 5163443
, at *8 (9th Cir. BAP Nov. 7, 2017).

      Dr. Rodriguez did not establish that Mr. Reznik advised him to take

the Ferrari before he did so. Although there was conflicting testimony, the

court found that Dr. Rodriguez first met with Mr. Reznik days after taking

the Ferrari. Dr. Rodriguez does not contest this finding on appeal.

Accordingly, the court did not err in holding that Mr. Reznik’s advice

could not have affected his mental state at the time he took the Ferrari.

      Moreover, it does not matter that Mr. Reznik did not later advise him

to return the car. As discussed above, the conversion that injured Ms. Sun

occurred when Dr. Rodriguez took the car, so Mr. Reznik’s advice after the

fact was not relevant.

      3.    Ms. Sun’s unclean hands affecting State Farm’s rights

      Dr. Rodriguez contends that Ms. Sun was disingenuous and lied to

State Farm about the Ferrari’s disappearance. He claims that she had

ulterior motives and that her “unclean hands” should be attributed to State

Farm.

      Dr. Rodriguez is raising this issue for the first time on appeal, and we

need not consider it. See Clark’s Crystal Springs Ranch, LLC v. Gugino (In re

Clark), 
548 B.R. 246
, 252 (9th Cir. BAP 2016), aff’d, 692 F. App’x 946 (9th Cir.

2017). Additionally, as the bankruptcy court pointed out multiple times at

trial, it was Dr. Rodriguez’s actions and intent, not Ms. Sun’s, that were at

                                       15
issue. In fact, the parties stipulated prior to trial that “[t]he appropriateness

of State Farm’s subrogation claim is undisputed . . . .” The stipulations

were incorporated into the court’s pretrial order. The bankruptcy court did

not err when it enforced the pretrial order. See Pierce Cty. Hotel Emps. &

Rest. Emps. Health Tr. v. Elks Lodge, B.P.O.E. No. 1450, 
827 F.2d 1324
, 1329

(9th Cir. 1987) (“Issues not preserved in the pretrial order are eliminated

from the action. . . . The trial court thus appropriately restricted its decision

to those issues raised in the pretrial order and disregarded issues raised

only in the trial brief.”).

      4.     The value of the Ferrari

      Dr. Rodriguez argues that “[d]amages were still at issue.” He

contends that the court should have credited Mr. Maxwell’s testimony that

the Ferrari was worth only $22,000 to $25,000, not $56,855, and that State

Farm did not properly investigate Ms. Sun’s claim.

      However, by agreement of the parties, the amount of damages was

not an issue at trial. The parties stipulated that the only issue for trial was

whether Dr. Rodriguez caused a “willful and malicious injury” under

§ 523(a)(6). They stipulated that State Farm’s damages totaled $42,003.51

and that there was no dispute that it had the right to seek to recover that

amount:

      The appropriateness of State Farm’s subrogation claim is
      undisputed in that there is no issue that Sun was insured by
      State Farm, she made a covered claim, the claim was paid, the
      payment was reasonable and State Farm, standing in her shoes

                                        16
       as subrogee, now has the right to pursue recovery of the
       balance of the claim which is $42,003.51 from the parties
       legally responsible for causing the loss.

(Emphases added). Dr. Rodriguez cannot belatedly attempt to challenge

the stipulated amount of damages, particularly when State Farm did not

have a fair opportunity to address the issue at trial. 8

                                    CONCLUSION

       The bankruptcy court did not err in declaring State Farm’s claim

nondischargeable in the total amount of $42,003.51 plus pre- and post-

judgment interest. We AFFIRM.




       8  Dr. Rodriguez raised another point in his statement of issues on appeal:
“Whether the Bankruptcy Court committed an error of law in finding that, despite
evidence that Appellant was an additional driver on Appellee’s insured’s policy at the
time of the alleged conversion, the anti-subrogation waiver did not apply to bar
Appellee’s recovery against Appellant.” We will not consider this issue because
Dr. Rodriguez did not address it in his opening brief. See Affordable Hous. Dev. Corp. v.
City of Fresno, 
433 F.3d 1182
, 1193 (9th Cir. 2006). Further, State Farm’s ability to recover
against Dr. Rodriguez under Ms. Sun’s automobile insurance policy was not an issue
for trial identified in the parties’ stipulation or the pretrial order. See Pierce Cty. Hotel
Emps. & Rest. Emps. Health 
Tr., 827 F.2d at 1329
.
                                             17

Source:  CourtListener

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