Deutsche Bank National Trust Company, Res. V. Christopher E. Larson, Apps.

Court of Appeals of Washington·Decided January 13, 2025·No. 85454-2·Unpublished

Opinion

IN THE COURT OF APPEALS OF THE STATE OF WASHINGTON

DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE, No. 85454-2-I IN TRUST FOR THE REGISTERED HOLDERS OF MORGAN STANLEY DIVISION ONE ABS CAPITAL I INC. TRUST 2007- HE2, MORTGAGE PASS-THROUGH UNPUBLISHED OPINION CERTIFICATES, SERIES 2007-HE2

Respondent,

v.

CHRISTOPHER E. LARSON; JOHN/JANE DOE; UNKNOWN OCCUPANTS OF THE PREMISES,

Appellant.

PER CURIAM — Christopher and Angela Larson appeal from the trial court’s summary judgment determination declaring unlawful detainer and authorizing a writ of restitution in favor of Deutsche Bank. The Larsons assert that the trial court was biased against them and failed to consider their evidentiary and legal arguments, thereby effecting an unlawful taking of their home. The sole meritorious issue raised is that the trial court’s order granting summary judgment did not specifically list all materials called to the trial court’s attention before it was entered. But because these materials could not result in a material question of fact warranting trial, the error was harmless. We therefore affirm. 1

1 On September 5, 2024, the Larsons filed a motion on the merits to reverse. A commissioner of this court ruled that the motion “will be placed in the file without action, with the

I

The facts pertaining to this appeal are largely set forth in this court’s opinion affirming the dismissal of two separate lawsuits related to the nonjudicial foreclosure of the Larsons’ home. Larson v. Snohomish County, 20 Wn. App. 2d 243, 499 P.3d 957 (2021), review denied, 199 Wn.2d 1016 (2022), cert. denied, 143 S. Ct. 575, 214 L.Ed.2d 341 (2023). Additional pertinent facts are known to the parties and will be discussed herein only when necessary to explain our decision.

II

A

In October 2006, Christopher Larson borrowed $218,000 from New Century Mortgage Company to purchase a house in Snohomish County. Larson, 20 Wn. App. 2d at 253. Christopher and his wife Angela executed a deed of trust securing the loan. Larson, 20 Wn. App. 2d at 253. The Larsons made no mortgage payments after July 2007, with the sole exception of one partial payment made in 2017. Larson, 20 Wn. App. 2d at 253-54. On December 22, 2017, the successor trustee issued a notice of default on behalf of the note holder, Deutsche Bank. Larson, 20 Wn. App. 2d at 254. In February 2018, the successor trustee recorded a notice of trustee’s sale and set a sale date in June 2018. Larson, 20 Wn. App. 2d at 254. On June 5, 2018, the Larsons filed an

understanding that the panel may review the motion and/or treat it as a supplemental brief as a matter of discretion.” The motion is rendered moot by our decision to decide the case by a panel determination memorialized in an opinion.

“Application for ‘Torrens’ Registration of Title to Land” in Snohomish County Superior Court. Larson, 20 Wn. App. 2d at 254.

The Larsons did not move to enjoin the scheduled nonjudicial foreclosure sale. Larson, 20 Wn. App. 2d at 255. Their property was sold to Deutsche Bank on November 16, 2018. Larson, 20 Wn. App. 2d at 256. On November 21, 2018, the trustee recorded a notice of trustee’s sale. Larson, 20 Wn. App. 2d at 256. Deutsche Bank served the Larsons with a 20-day notice to vacate but the Larsons refused to comply.

Meanwhile, on October 18, 2018, the Larsons filed a lawsuit in Skagit County Superior Court alleging several causes of action against numerous public and private defendants, including the State of Washington, Snohomish County, its superior court judges, the successor lender, the foreclosure trustee, and the loan servicer. Larson, 20 Wn. App. 2d at 251-52, 255. The Larsons sought declaratory and injunctive relief compelling the public defendants to comply with the Torrens Act or, alternatively, to quiet title. Larson, 20 Wn. App. 2d at 255. The Larsons also sought damages and injunctive relief against the private defendants for alleged violations of the Consumer Protection Act (CPA) 2 and the “Deeds of Trust Act” (DTA), 3 as well as equitable claims against Deutsche Bank to preclude foreclosure. Larson, 20 Wn. App. 2d at 255-56.

Following a hearing in December 2018, the trial court denied the Larsons’

motion for recusal and dismissed all claims against the public defendants without prejudice. Larson, 20 Wn. App. 2d at 256. The court separately granted the

2 Ch. 19.85 RCW.

3 Ch. 61.24 RCW.

private defendants’ motion to dismiss with prejudice the Larsons’ quiet title claim and transferred their remaining claims to Snohomish County Superior Court. Larson, 20 Wn. App. 2d at 256-57. On November 11, 2019, the trial court granted the private defendants’ motions for summary judgment dismissal of all remaining claims against them. Larson, 20 Wn. App. 2d at 258. On August 19, 2020, the trial court denied the Larsons’ motion for recusal and granted Deutsche Bank’s motion to dismiss their Torrens Act application on the ground that the Larsons no longer owned the property. Larson, 20 Wn. App. 2d at 258.

B

Our decision in Larson resolved the following issues adversely to the Larsons: 1. The trial court did not lack subject matter jurisdiction over the adequacy of the Larsons’ Torrens Act application under the “prior exclusive jurisdiction doctrine” or the “priority of action rule.” The Larsons invoked the Skagit County Superior Court’s jurisdiction by filing a lawsuit in that court and seeking relief for Snohomish County’s alleged inaction as to their Torrens Act application. Larson, 20 Wn. App. 2d at 263-65. 2. The trial court did not err in dismissing without prejudice the Larsons’ claim that Snohomish County failed to follow mandatory procedures regarding their Torrens Act application. This is so because the Larsons did not file their application with an abstract of title, as mandated by statute. Larson, 20 Wn.

App. 2d at 265-67. Moreover, the Larsons had the opportunity to amend their Torrens Act application by filing an abstract of title prior to the nonjudicial

foreclosure sale or by moving to enjoin the sale in order to give them more time to remedy the defect, but chose not to do so. Larson, 20 Wn. App. 2d at 267. 3. The trial court correctly ruled that the public defendants did not have the duty or the authority to force the county or its superior court judges to compel Snohomish County to develop a Torrens Act system. Larson, 20 Wn. App. 2d at 267. Such an order is not authorized by the Torrens Act and would therefore violate the doctrine of separation of powers. Larson, 20 Wn. App.

2d at 268. 4. The trial court did not err in dismissing the Larsons’ quiet title claim against the private defendants. This is so because the Larsons’ Torrens Act application did not preclude the nonjudicial foreclosure sale, and their failure to move to enjoin the sale waived their quiet title claim. Larson, 20 Wn. App.

2d at 269-71. 5. RCW 61.24.127, the DTA waiver statute, did not unconstitutionally deny the Larsons the right to pursue a common law cause of action against lenders and foreclosure trustees. The statute does not bar such actions; rather, it reasonably requires parties to bring their claims prior to the nonjudicial foreclosure sale. Larson, 20 Wn. App. 2d at 271-73. 6. The Larsons claimed that the trial court erred in dismissing their CPA claim against the private defendants because the October 2006 promissory note was not authentic, the assignment of the deed of trust to Deutsche Bank was invalid, their loan was never funded, and their lender breached its contractual

obligation by refusing to accept the Larsons’ August 2007 mortgage payment.

But these arguments were either frivolous or unsupported by the record.

Larson, 20 Wn. App. 2d at 273-80. 7. The trial court properly granted summary judgment dismissal of the Larsons’

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Deutsche Bank National Trust Company, Res. V. Christopher E. Larson, Apps., (Wash. Ct. App. 2025).

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