Discover Bank v. MiMauro

CourtNew Mexico Court of Appeals
DecidedJune 18, 2015
Docket34,589
StatusUnpublished

This text of Discover Bank v. MiMauro (Discover Bank v. MiMauro) is published on Counsel Stack Legal Research, covering New Mexico Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Discover Bank v. MiMauro, (N.M. Ct. App. 2015).

Opinion

This memorandum opinion was not selected for publication in the New Mexico Appellate Reports. Please see Rule 12-405 NMRA for restrictions on the citation of unpublished memorandum opinions. Please also note that this electronic memorandum opinion may contain computer-generated errors or other deviations from the official paper version filed by the Court of Appeals and does not include the filing date.

1 IN THE COURT OF APPEALS OF THE STATE OF NEW MEXICO

2 DISCOVER BANK,

3 Plaintiff-Appellee,

4 v. NO. 34,589

5 MAURIZIO DIMAURO,

6 Defendant-Appellant.

7 APPEAL FROM THE DISTRICT COURT OF BERNALILLO COUNTY 8 C. Shannon Bacon, District Judge

9 Guglielmo & Associates 10 Elizabeth V. Friedenstein 11 Albuquerque, NM

12 for Appellee

13 Maurizio DiMauro 14 Albuquerque, NM

15 Pro Se Appellant

16 MEMORANDUM OPINION

17 VIGIL, Chief Judge.

18 {1} Defendant appeals from the district court’s granting of summary judgment in

19 favor of Plaintiff. This Court issued a calendar notice proposing summary affirmance. 1 Defendant has filed a memorandum in opposition to this Court’s notice of proposed

2 disposition, which we have duly considered. Unpersuaded, we affirm.

3 {2} In our calendar notice, we proposed to hold that Plaintiff presented sufficient

4 evidence to make a prima facie showing that Defendant owed Plaintiff money and that

5 the burden then shifted to Defendant to demonstrate the existence of specific

6 evidentiary facts that would require trial on the merits. [CN 5] See Roth v. Thompson,

7 1992-NMSC-011, ¶ 17, 113 N.M. 331, 825 P.2d 1241. Specifically, we noted that

8 Plaintiff’s motion for summary judgment relied on an affidavit asserting that

9 Defendant has “not paid the amounts due and owing to [Plaintiff] on the account[,]”

10 as well as on printouts of Defendant’s credit card billing statements showing

11 Defendant’s name and address, and documentation that Defendant previously made

12 payments on the account, both electronically and by personal check, prior to

13 defaulting. [CN 4]

14 {3} Defendant continues to assert that Plaintiff’s evidence points to “an impossible

15 sequence of events . . . by virtue of the dates borne on those documents[.]” [MIO 1]

16 Defendant’s argument is that the 2011 Cardmember Agreement presented by Plaintiff

17 belies its contention that he was issued a card in 2008. [RP 222] We addressed this

18 argument in detail in our calendar notice [CN 5-6], and we are not convinced that we

19 erred. To the point, we noted that Plaintiff submitted the 2011 Cardmember

20 Agreement as evidence of the agreement in place at the time the account was charged

2 1 off, not at the time of account creation. [CN 6] Therefore, we remain unconvinced that

2 the documents contradict each other, despite Defendant’s continued argument in favor

3 of such a reading.

4 {4} In our calendar notice, we proposed to conclude that Defendant had not met his

5 burden in demonstrating the existence of a genuine issue of material fact. [CN 5-7]

6 See Schwartzman v. Schwartzman Packing Co., 1983-NMSC-010, ¶ 22, 99 N.M. 436,

7 659 P.2d 888 (“A party opposing a motion for summary judgment must make an

8 affirmative showing by affidavit or other admissible evidence that there is a genuine

9 issue of material fact once a prima facie showing is made by the movant.”). Defendant

10 did not file an affidavit or submit any evidence, aside from the argument that

11 Plaintiff’s evidence was self-contradictory, to otherwise demonstrate a genuine issue

12 of fact. [CN 5] Therefore, given our analysis of Defendant’s “impossibility” argument

13 as laid out above and in our calendar notice, we are not convinced that we erred in

14 determining that Defendant failed to meet his burden.

15 {5} Defendant also continues to argue that Plaintiff’s alleged non-compliance with

16 the federal Truth in Lending Act (TILA), 15 U.S.C. §§ 1601-1693 (2006), bars

17 Plaintiff from recovering in this case. [MIO 4-5] However, we noted in our calendar

18 notice that Defendant had not provided this Court with authority to support a theory

19 that non-compliance with TILA by a creditor bars collection on credit card debt after

20 six years have passed since the alleged violation. [CN 8] In his memorandum of

3 1 opposition, Defendant relies on general citations to TILA and to cases that do not

2 address this specific point of law. [MIO 3-4] “[C]ases are not authority for

3 propositions not considered.” Fernandez v. Farmers Ins. Co. of Ariz., 1993-NMSC-

4 035, ¶ 15, 115 N.M. 622, 857 P.2d 22 (internal quotation marks and citation omitted).

5 Where a party cites no authority to support an argument, we may assume no such

6 authority exists. In re Adoption of Doe, 1984-NMSC-024, ¶ 2, 100 N.M. 764, 676

7 P.2d 1329. Thus, it does not appear that Defendant has satisfied his burden on appeal.

8 See Corona v. Corona, 2014-NMCA-071, ¶ 26, 329 P.3d 701 (“The appellate court

9 presumes that the district court is correct, and the burden is on the appellant to clearly

10 demonstrate that the district court erred.”). Consequently, we are not convinced that

11 we erred in determining that Defendant’s legally insufficient argument does not defeat

12 summary judgment. [CN 8 (citing Fidelity Nat’l Bank v. Tommy L.Goff, Inc., 1978-

13 NMSC-074, ¶ 8, 92 N.M. 106, 583 P.2d 470)]

14 {6} Finally, Defendant continues to argue that he did not have an opportunity to

15 respond to Plaintiff’s summary judgment motion because the district court decided the

16 motion without a hearing. [MIO 5] We stated in our calendar notice that a review of

17 the record proper suggests that Defendant had sufficient opportunity to respond, and

18 indeed, did respond by filing a response to Plaintiff’s summary judgment motion. [CN

19 9] Defendant now states that “[w]hile it is true that [he] was literally allowed to submit

4 1 written responses, there are three things which indicate that my written responses were

2 ignored[.]” [MIO 5]

3 {7} Defendant first alleges that his written response to Plaintiff’s summary

4 judgment motion was ignored because the district court made a decision that went

5 contrary to his position. [MIO 5] However, Defendant has not provided us with any

6 authority to support his argument that simply because the district court ruled against

7 him he did not have an adequate opportunity to respond or that his response was

8 ignored. Where a party cites no authority to support an argument, we may assume no

9 such authority exists. In re Adoption of Doe, 1984-NMSC-024, ¶ 2. Secondly,

10 Defendant claims that the fact that the district court cancelled a previously scheduled

11 hearing “suggests lack of professional behavior and . . . lack of proper judgment on

12 the issues of the case[.]” [MIO 5] As we noted in our calendar notice, “[d]isposition

13 of a motion for summary judgment, without oral argument, is appropriate when the

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Related

Fernandez v. Farmers Ins. Co. of Arizona
857 P.2d 22 (New Mexico Supreme Court, 1993)
Fidelity National Bank v. Tommy L. Goff, Inc.
583 P.2d 470 (New Mexico Supreme Court, 1978)
Matter of Adoption of Doe
676 P.2d 1329 (New Mexico Supreme Court, 1984)
National Excess Ins. Co. v. Bingham
742 P.2d 537 (New Mexico Court of Appeals, 1987)
Schwartzman v. Schwartzman Packing Co.
659 P.2d 888 (New Mexico Supreme Court, 1983)
State v. Rael
668 P.2d 309 (New Mexico Court of Appeals, 1983)
Roth v. Thompson
825 P.2d 1241 (New Mexico Supreme Court, 1992)
Corona v. Corona
2014 NMCA 071 (New Mexico Court of Appeals, 2014)
McQuigg v. Childs
3 P.2d 309 (California Supreme Court, 1931)
National Excess Insurance v. Bingham
742 P.2d 537 (New Mexico Court of Appeals, 1987)

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Bluebook (online)
Discover Bank v. MiMauro, Counsel Stack Legal Research, https://law.counselstack.com/opinion/discover-bank-v-mimauro-nmctapp-2015.