Chidinma Grace Salako v. Rushmore Loan Management Services LLC, et al.

CourtDistrict Court, D. Arizona
DecidedJanuary 6, 2026
Docket2:25-cv-01063
StatusUnknown

This text of Chidinma Grace Salako v. Rushmore Loan Management Services LLC, et al. (Chidinma Grace Salako v. Rushmore Loan Management Services LLC, et al.) is published on Counsel Stack Legal Research, covering District Court, D. Arizona primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Chidinma Grace Salako v. Rushmore Loan Management Services LLC, et al., (D. Ariz. 2026).

Opinion

1 WO 2 3 4 5 6 IN THE UNITED STATES DISTRICT COURT 7 FOR THE DISTRICT OF ARIZONA

9 Chidinma Grace Salako, No. CV-25-01063-PHX-JJT

10 Plaintiff, ORDER

11 v.

12 Rushmore Loan Management Services LLC, et al., 13 Defendants. 14 15 Now pending before the Court is yet another slew of discovery-related disputes. 16 Those filings include pro se Plaintiff Chidinma Grace Salako’s four motions requesting, 17 inter alia, various protective orders (Docs. 138, 139, 143, 145), to which Defendants filed 18 a consolidated, omnibus response (Doc. 148), and Plaintiff replied (Doc. 150). The parties 19 also filed a Joint Discovery Dispute Statement No. 2 (Doc. 151) regarding other discovery 20 issues that Plaintiff supplemented with two “notices” (Docs. 155, 156), revealing that this 21 matter has, once more, digressed into morass. 22 I. CONFERRAL 23 First, the Court is aware the parties now disagree even about how they may conduct 24 meet-and-confers, which are required before filing notices of discovery disputes and 25 certain motions. The Court has not been encyclopedic in its listing of the fora or media that 26 may facilitate the meet-and confer. The purpose of the meet-and-confer is as follows: when 27 a party believes another party is proceeding in a way that is contrary to the applicable rules 28 or the law interpreting those rules, the meet-and-confer is required to give the objecting 1 party the opportunity to raise with the other party that disagreement and for the other party, 2 upon hearing the concern, to in good faith evaluate the concern to determine whether it has 3 merit. If the other party agrees the first party’s concern has merit, the other party can correct 4 course or the parties can reach some compromised resolution short of involving the Court 5 and requiring it to devote its concededly scarce time refereeing another dispute whose 6 solution is evident in the rules. If the other party does not agree, then the motion or notice 7 is filed and the Court must engage. That is all. The meet-and-confer is not a forum for 8 arguing the merits of the case, nor is it the place to raise things that have happened in other 9 facets of the litigation. It is simply a way to isolate a perceived misstep in the pleadings or 10 the conduct of discovery and discuss that limited question—and nothing else—to 11 determine if the parties can resolve the limited issue by mutual assent without coming back 12 to the Court over and over. 13 Having observed the above first principle, the Court next observes there can be 14 multiple modes to effectively meet and confer. It expressly recognized in its prior 15 scheduling order the possibility of conducting the meet-and-confer face to face or by 16 telephone because those are the most obvious ways to conduct a contemporaneous 17 discussion that allows for real-time reaction and civil give-and-take among the parties. The 18 Court most favors telephonic meet-and-confers because they have the added advantage of 19 saving the parties time and money. But it does not impose or limit modes of conducting 20 the meet-and-confer to these two options. The Court understands that one party here would 21 prefer to confer via email. As long as that party—whichever one seeks to communicate via 22 email—does not delay the conferral process and, therefore, defeat its spirit by unreasonably 23 long delays in responding, email serves the purpose of the meet-and-confer as set forth 24 above. Now that the conferral requirement is clarified, the Court turns to the growing and 25 unresolved discovery disputes and Plaintiff’s various motions. 26 II. JOINT DISCOVERY DISPUTE 27 The parties have brought forth their second formal discovery dispute. This time, 28 Defendants allege that Plaintiff: (1) either fails to respond to discovery requests or did 1 respond but rewrote the original request prior to providing her response; (2) refuses to 2 provide her availability for a deposition; (3) fails to produce documents she received from 3 third party subpoenas; and (4) refuses to cooperate in signing a protective order following 4 this Court’s standard form despite requesting that protection. (Doc. 151 at 2.) Plaintiff 5 denies that she rewrote Defendants’ discovery requests, claiming that she “responded in 6 good faith to each request as received, using the wording provided, and supplied narrative 7 responses describing events as they occurred.” (Id. at 3.) The record clearly demonstrates 8 the opposite. Plaintiff did rewrite several discovery requests. This she would have had to 9 do manually and with intention. While in some instances she merely summarized a request, 10 in others she altered a request so significantly that it no longer resembled the original 11 premise or purpose of Defendant’s request, to favor Plaintiff’s own position. For example, 12 Defendant Nationstar’s third request for admission asked Plaintiff to “[a]dmit the Note 13 requires monthly payments of principal and interest in the amount of $1,888.52.” (Doc. 14 151-2 at 18.) Plaintiff rewrote the statement to say, “[a]dmit that Nationstar did not send 15 you any bills or statements in June 2022,” which Plaintiff subsequently admitted. (Id. at 16 29.) Several such alterations are significant, intentional, self-serving, and resemble 17 anything but a “good faith” attempt to respond to Defendants’ discovery requests. 18 For Plaintiff’s portion of the joint discovery dispute, she advances that Defendants 19 sent her “an unsolicited ZIP folder” that contained malware or a virus. (Doc. 151 at 3.) She 20 cancelled access to the ZIP file and emailed Defendants’ counsel regarding the incident, 21 who promptly explained that the ZIP file was necessary because the documents Plaintiff 22 requested were too large to send as an email attachment, and the ZIP file would have merely 23 opened a separate folder to those documents.1 (Doc. 152-1 at 3.) Plaintiff also accuses 24 Defendants’ counsel of contributing to an “escalating and disorienting discovery 25 environment” and sending “multiple emails containing inconsistent accusations.” (Doc. 26 151 at 3.) 27 . . .

28 1 Based on this Court’s own experience with ZIP files, Defendants’ counsel’s explanation to Plaintiff is accurate. 1 The Court has reviewed all written communications submitted by the parties—once 2 again at great cost to it in terms of the scarce time it has had to dedicate to the task. There 3 was not a single circumstance where Defendants’ counsel was inconsistent or otherwise 4 improper. Counsel clearly set forth the deficiencies in Plaintiff’s discovery responses 5 multiple times, twice extended the deadline for Plaintiff’s responses without being asked, 6 and electronically sent the original discovery documents upon Plaintiff’s request in an 7 appropriate manner. When they were accused of sending malware—an accusation the 8 Court finds ungrounded in any evidence and not credible—Defendants’ counsel 9 proactively sent paper copies to Plaintiff, only to be rebuffed once more on the ground that 10 she has “diabetic retinopathy and [is] unable to read printed materials effectively. . .” (Doc. 11 151 at 3)—another assertion unsupported in the record. Even assuming that Plaintiff is 12 unable to read paper documents and Defendants knew this, Plaintiff effectively obstructed 13 any delivery method of the documents she requested and proposed no alternatives to 14 Defendants. The discovery phase of litigation is not a game, but the course of events the 15 Court recounts here creates the strong impression that Plaintiff is engaged in a game of 16 “gotcha,” especially where the Court has patiently explained the process to her at the Rule 17 16 conference and in resolving the last formal discovery dispute in this matter.

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Chidinma Grace Salako v. Rushmore Loan Management Services LLC, et al., Counsel Stack Legal Research, https://law.counselstack.com/opinion/chidinma-grace-salako-v-rushmore-loan-management-services-llc-et-al-azd-2026.