In re: Israel Vazquez Rivera v. Banco Santander Puerto Rico

United States Bankruptcy Court, D. Puerto Rico·Decided March 12, 2009·No. 07-00340·Unknown

Opinion

IN THE UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF PUERTO RICO 3 IN RE: : CASE NO. 99-13317 : ISRAEL VAZQUEZ RIVERA : CHAPTER 13 : Debtor : : ISRAEL VAZQUEZ RIVERA : ADVERSARY NO. 07-00340 Plaintiff I Defendant DD i i i3 OPINION AND ORDER is This adversary proceeding is before the court upon the motion to dismiss filed by Banco Santander Puerto Rico (the “Defendant”) on June 9, 2008 (Docket No. 15) alleging that this action is barred by the doctrine of res judicata (claim preclusion) and alternatively by the lack of joinder of an indispensable party. Israel Vazquez Rivera (the “Plaintiff’) filed an opposition to the motion to □□

dismiss on August 4, 2008 (Docket No. 25). For the reasons set forth below the motion to dismiss is denied. > Facts and Procedural Background Plaintiff Israel Vazquez Rivera filed a bankruptcy petition under Chapter 13 of the Bankruptcy Code on September 28, 1999. Banco Santander was scheduled as an unsecured creditor and included in the master address list. Banco Santander was duly notified of the filing of the bankruptcy case. The 95 341 meeting of the creditors was held on November 12, 1999. On December 17, 1999, Banco Santander filed two proofs of claim. ' Debtor’s chapter 13 plan ' The claims register shows that Banco Santander de Puerto Rico filed two unsecured claims in the amounts of $8,624.13 and $2,959.22, claim numbers 7-1 and 8-1.

. | confirmed on December 13, 1999, and completed on February 11, 2004. ? The discharge order 2 entered on April 26, 2004, and the case was closed on the same date. On December 6, 2007, 3 Plaintiff filed a motion to reopen the chapter 13 bankruptcy case (Docket No. 18 in lead case). A court 4 granting the reopening of the case was issued on February 20, 2007 (Docket No. 21 in lead 5 6 On December 13, 2007, Plaintiff filed an adversary proceeding against United Collection 7 Bureau, Inc., et als (Adversary Number 07-00341). In the complaint Plaintiff alleges that United 8 Collection Bureau, Inc. violated the discharge injunction provisions of the Bankruptcy Code, 11 9 U.S.C. § 524 (a) and the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692c (a)(2) and 1692(f(1) J“FDCPA”). Plaintiff contends that United Collection Bureau, Inc. (“UCB”) willfully violated the [discharge injunction on various occasions by incurring in the following actions: (i) continuing its icollection efforts to collect on the discharged debt; (ii) sending a letter sometime in December 2006 irequesting payment of the discharged debt in the amount of $2,268.50; (111) sending letters to Plaintiff jon January 9, 2007 and February 23, 2007 requesting payment of the discharged debt; (iv) sending ‘15 jJlanother letter sometime in January of 2007 requesting payment in full of the discharged debt; and (v) isending a letter sometime in February of 2007 informing Plaintiff that Banco Santander had jauthorized UCB to make an offer to liquidate the debt. On April 17, 2008 the Plaintiff and UCB filed Joint Stipulation of Voluntary Withdrawal of Complaint (Docket No. 16) pursuant to Rule 7041 of Bankruptcy Procedure, dismissing the case against UCB with prejudice. No further details of the lsettlement were provided by the parties. On December 13, 2007, Plaintiff filed the present adversary proceeding alleging that {Defendant willfully violated the discharge injunction provisions of the Bankruptcy Code, 11 U.S.C. (a), by continuing its collection efforts against Plaintiff to collect on the discharged debt knowing that such debt had been discharged. Plaintiff alleges that sometime following its discharge, . * The bankruptcy case docket shows that the chapter 13 trustee filed a final report on March 2, 2004 informing that the Debtors had completed their chapter 13 pian. The lead case included Plaintiff's wife Maria Milagros Rodriguez Rosario. The trustee’s report discloses payments to Banco Santander de Puerto Rico.

. | Defendant sold, transferred or assigned its discharged debtto UCB. The complaint against Defendant includes several allegations which state that UCB violated the discharge injunction provisions the Bankruptcy Code on various occasions. On June 9, 2008 Defendant filed a Motion to Dismiss and Memorandum of Authorities in Support Thereof (Docket No. 15) alleging that Plaintiffs action is barred by the doctrine of res judicata, which guards against claim-splitting. Defendant alleges that both of Plaintiffs complaints jare based upon the same set of facts, that Plaintiffs right of action is in its nature entire and lindivisible and, thus, may not be split up into several causes of action and sued piecemeal (Motion Dismiss, p. 4-5). Defendant also argues that the dismissal with prejudice in the adversary lproceeding against UCB bars the complaint against Defendant because it stems from the same transaction and set of facts (Motion to Dismiss, p. 5). Defendant argues that the elements for a claim ito be precluded, as established in Porn v. National Grange Mutual Ins. Co., 93 F. 3d 31, 34 (1* Cir, 11996), were met; that is, a final judgment on the merits in an earlier action, sufficient identity between causes of action asserted in both suits, and sufficient identity between the parties in the two suits. the alternative, Defendant argues that this adversary proceeding should be dismissed under Fed. Civ. P. 19(b) for failure to join an indispensable party (UCB) in this proceeding. In its opposition Plaintiff argues that the doctrine of res judicata under the branch of collateral ljestoppel (issue preclusion) is not applicable because it fails to satisfy all three components necessary /for an issue (as opposed to a claim) to be barred by the doctrine of res judicata. Plaintiff's argues that Ithe three factors necessary for the res judicata doctrine to apply were not met, namely, because there jis no privity between Defendant and UCB mainly because the former did not acquire any property irights from UCB, the causes of action of the two different lawsuits are different because Banco Santander’s violation of the discharge injunction is independent and separate from UCR’s violation, land that the voluntary dismissal achieved by means of a joint stipulation with prejudice in the jadversary proceeding against UCB does not constitute a final judgment on the merits. Subsequently, Defendant filed a Reply to Opposition to Motion to Dismiss (Docket No. 31). motion Defendant explains the difference between collateral estoppel and claim preclusion and jjconcludes that claim preclusion is the branch of the res judicata doctrine which applies to this

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