Bullock v. Phh Mortgage Services

CourtDistrict Court, District of Columbia
DecidedJuly 14, 2026
DocketCivil Action No. 2025-3820
StatusPublished

This text of Bullock v. Phh Mortgage Services (Bullock v. Phh Mortgage Services) is published on Counsel Stack Legal Research, covering District Court, District of Columbia primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Bullock v. Phh Mortgage Services, (D.D.C. 2026).

Opinion

UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLUMBIA

CAROLYN BULLOCK, ) ) Plaintiff, ) ) v. ) Civil Action No. 1:25-cv-03820 (TSC) ) ) PHH MORTGAGE SERVICES, ) ) Defendant. )

MEMORANDUM OPINION

Plaintiff Carloyn Bullock, proceeding pro se and in forma pauperis (“IFP”), “brings this

action solely in her authorized representative capacity as Trustee of the Bullock-Browner El

Family Living Trust[,]” and “not in her individual capacity.” Amended Complaint (“Am.

Compl.”), ECF No. 6, at 1. She sues PHH Mortgage Corporation (“PHH”) and Deutsche Bank

National Trust Company (“Deutsche Bank”), id, raising claims related to the estate of Jerone M.

Browner-El, see generally id.––the subject of active probate proceedings in Superior Court of the

District of Columbia, see In re Jerone Browner-El, No. 2024-ADM-001102 (D.C. Super. Ct.

filed 9/4/2024), 1 in which PHH and Deutsche Bank are listed as applicants, trustees, and

creditors.

Here, Plaintiff alleges that Defendants have breached their fiduciary duties and engaged

in “deceptive practices” and “unauthorized servicing” related to “real property and related

instruments” owned by the trust. See Am. Compl. at 2–3. More specifically, PHH has allegedly

“asserted servicing authority, issued billing statements, payoff demands, and determinations, and

1 A court may take judicial notice of the docket and facts on the public record in other court proceedings. See Covad Commc'ns Co. v. Bell Atl. Corp., 407 F.3d 1220, 1222 (D.C. Cir. 2005). exercised control over” a servicing account that encumbers the property “without producing

competent evidence of lawful servicing authority and despite notice that the property and related

interests are trust owned.” See id. at 2. And Deutsche Bank allegedly “claims status as a trustee

and/or beneficiary entitled to enforce” the note and deed of trust associated with the property

“yet has failed to establish a valid chain of title, transfer, or trust res sufficient to confer

enforcement authority.” See id. Plaintiff demands that this court (1) “declare the rights and

obligations of the parties;” (2) “declare that the Defendants lack authority to service or enforce

absent proof of lawful standing;” (3) “order Defendants to produce settlement, wire transfer, and

chain of title documentation;” and (4) “enjoin enforcement and collection activity pending full

proof of authority[.]” See id. at 4.

First, Plaintiff is not entitled to bring this suit on behalf of a trust without counsel. See 28

U.S.C. § 1654 (“In all courts of the United States the parties may plead and conduct their own

cases personally or by counsel[.]”) (emphasis added); Georgiades v. Martin-Trigona, 729 F.2d

831, 834 (D.C. Cir. 1984) (same); U.S. ex rel. Rockefeller v. Westinghouse Elec. Co., 274 F.

Supp. 2d 10, 16 (D.D.C. 2003) (same), aff’d, No. 03-7120, 2004 WL 180264 (D.C. Cir. Jan. 21,

2004) (per curiam), cert. denied, 543 U.S. 820 (2004). Indeed, this principle holds true even if

Plaintiff is formally authorized as a trustee. See Fromm v. Duffy as Tr. of Gary Fromm Family

Tr., No. 19-cv-1121, 2020 WL 109056, at *4 (D.D.C. Jan. 9, 2020) (“[c]ourts have interpreted [§

1654] to preclude a non-attorney from appearing on behalf of another person or an entity such as

a corporation, partnership, or trust”); Casares v. Wells Fargo Bank, N.A., No. 13-cv-1633, 2015

WL 13679889, at *2 (D.D.C. May 4, 2015) (a “plaintiff, who is proceeding pro se, cannot

represent the trust in federal court, even as the trustee, as he is not a licensed attorney.”) (citing

Hale Joy Trust v. Comm'r of IRS, 57 Fed. App’x. 323, 324 (9th Cir. 2003); Knoefler v. United Bank of Bismark, 20 F.3d 347, 348 (8th Cir. 1994)); see also Estate of Keatinge v. Biddle, 316

F.3d 7, 14 (1st Cir. 2002) (“[T]he holder of a power of attorney is not authorized to appear pro se

on behalf of the grantor.”).

Second, a federal district court generally may not review judicial decisions made by

District of Columbia local courts, nor may it interfere in their ongoing proceedings. See

Richardson v. Dist. of Columbia Ct. of Apps., 83 F.3d 1513, 1514 (D.C. Cir. 1996); Melton v.

Dist. of Columbia, 46 F. Supp. 3d 22, 25–26 (D.D.C. 2014) (relying on Younger v. Harris, 401

U.S. 37, 41 (1971)); United States v. Choi, 818 F. Supp. 2d 79, 85 (D.D.C. 2011) (citing Lewis v.

Green, 629 F. Supp. 546, 553 (D.D.C. 1986)); Fleming v. United States, 847 F. Supp. 170, 172

(D.D.C. 1994) (citing Dist. of Columbia Ct. of Apps. v. Feldman, 460 U.S. 462, 482 (1983);

Rooker v. Fidelity Trust Co., 263 U.S. 413, 415, 416 (1923)), aff’d, No. 94–5079, 1994 WL

474995 (D.C. Cir. Jul. 27, 1994) (per curiam), cert. denied, 513 U.S. 1150 (1995).

Indeed, pursuant to the “probate exception” to diversity jurisdiction, federal courts cannot

exercise subject matter jurisdiction over trust, estate, and probate actions, as such matters

normally subsist in the purview of state and local courts, see Marshall v. Marshall, 547 U.S. 293,

494 (2006), with very limited deviations from that prohibition, see Lewis v. Parker, 67 F. Supp.

3d 189, 194 n.2 (D.D.C. 2014) (quoting Marshall, 547 U.S. at 311). Put differently, the probate

exception applies when, inter alia, “one court is exercising in rem jurisdiction over a res, [and] a

second court will not assume in rem jurisdiction over the same res.” Marshall, 547 U.S. at 311;

see Mercer v. Bank of N.Y. Mellon, N.A., 609 F. App’x 677, 678–79 (2d Cir. 2015) (“This

general principle applies equally when, as in this case, the res in question is not property of an

estate but property of a trust.”); see also Princess Lida of Thurn & Taxis v. Thompson, 305 U.S.

456, 466–67 (1939) (holding that the probate exception also applies to jurisdiction that is quasi in rem because it “is not restricted to cases where property has been actually seized under judicial

process before a second suit is instituted, but applies as well where suits are brought to marshal

assets, administer trusts, or liquidate estates, and in suits of a similar nature where, to give effect

to its jurisdiction, the court must control the property.”).

When analyzing the applicability of the probate exception, the court “must examine the

substance of the relief that Plaintiffs are seeking, and not the labels that they have used.” Mercer,

609 F. App’x at 679–80. Here, Plaintiff’s claims are barred by the probate exception because,

despite raising “tort claims,” she does not actually seek, for example, in personam damages

against the named Defendants; instead she asks this court to exercise in rem jurisdiction over the

same res, i.e., to review and manage assets owned by the Browner-El trust. See, e.g., Lefkowitz

v. Bank of New York, 528 F.3d 102, 107–08 (2nd Cir. 2007). But this court lacks jurisdiction to,

as requested, enjoin disposition of trust assets or to divest defendants of control over a trust’s

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Related

Rooker v. Fidelity Trust Co.
263 U.S. 413 (Supreme Court, 1924)
Princess Lida of Thurn and Taxis v. Thompson
305 U.S. 456 (Supreme Court, 1939)
Markham v. Allen
326 U.S. 490 (Supreme Court, 1946)
Younger v. Harris
401 U.S. 37 (Supreme Court, 1971)
Hagans v. Lavine
415 U.S. 528 (Supreme Court, 1974)
District of Columbia Court of Appeals v. Feldman
460 U.S. 462 (Supreme Court, 1983)
Marshall v. Marshall
547 U.S. 293 (Supreme Court, 2006)
McWilliams v. State of Colorado
121 F.3d 573 (Tenth Circuit, 1997)
Estate of Keatinge v. Biddle
316 F.3d 7 (First Circuit, 2002)
Wesley Lynn Pittman v. K. Moore
980 F.2d 994 (Fifth Circuit, 1993)
Lois Jones v. Thomas Brennan
465 F.3d 304 (Seventh Circuit, 2006)
Lefkowitz v. Bank of New York
528 F.3d 102 (Second Circuit, 2007)
Fleming v. United States
847 F. Supp. 170 (District of Columbia, 1994)
Risley v. Hawk
918 F. Supp. 18 (District of Columbia, 1996)
Lewis v. Green
629 F. Supp. 546 (District of Columbia, 1986)
United States v. Choi
818 F. Supp. 2d 79 (District of Columbia, 2011)

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