In re: Jose Hernandez Amador; Elsa Coca Mir Correa v. Banco Santander Puerto Rico

CourtUnited States Bankruptcy Court, D. Puerto Rico
DecidedMarch 10, 2009
Docket07-00334
StatusUnknown

This text of In re: Jose Hernandez Amador; Elsa Coca Mir Correa v. Banco Santander Puerto Rico (In re: Jose Hernandez Amador; Elsa Coca Mir Correa v. Banco Santander Puerto Rico) is published on Counsel Stack Legal Research, covering United States Bankruptcy Court, D. Puerto Rico primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
In re: Jose Hernandez Amador; Elsa Coca Mir Correa v. Banco Santander Puerto Rico, (prb 2009).

Opinion

IN THE UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF PUERTO RICO 2 3 IN RE: : CASE NO. 01-06388 4 : JOSE HERNANDEZ AMADOR; 5 [ELSA COCA MIR CORREA, : CHAPTER 13 6 Debtors : 7 HERNANDEZ AMADOR; g ||ELSA COCA MIR CORREA, : ADVERSARY NO, 07-00334 9 Plaintiffs 10 BANCO SANTANDER PUERTO RICO ALS, : 12 Defendant OTT 14 15 OPINION AND ORDER 16 This adversary proceeding is before the court upon the motion to dismiss filed by Banco Santander Puerto Rico (the “Defendant”) on September 3, 2008 (Docket No. 13) alleging that this 18 action is barred by the doctrine of res judicata (claim preclusion) and, alternatively, by the lack 19 joinder of an indispensable party. José Hernandez Amador and his wife Elsa Coca Mir Correa (the 30 “Plaintiffs”) filed an opposition to the motion to dismiss on October 10, 2008 (Docket No. 38). For the reasons set forth below the motion to dismiss is denied. Facts and Procedural Background 33 . Plaintiffs Jose Francisco Hernandez Amador and Elsa Coca Mir Correa filed a bankruptcy petition under Chapter 13 of the Bankruptcy Code on June 1, 2001. Banco Santander was scheduled 35 as an unsecured creditor and included in the master address list. Banco Santander was duly notified 36 of the filing of the bankruptcy case. The 341 meeting of the creditors was held on June 13, 2001. 4 On July 17, 2001, Banco Santander filed a proof of claim.' Debtors’ chapter 13 plan was 28 ' The claims register shows that Banco Santander de Puerto Rico filed an unsecured claim || in the amount of $20, 238.79, claim number 17-1.

"1 Hlconfirmed on January 24, 2002, and completed on August 15, 2006.7 The discharge order was 2 jlentered on March 26, 2007, and the case was closed on the same date. 3 On December 7, 2007, Plaintiffs filed an adversary proceeding against NCO Financial 4 ||Systems of Puerto Rico, et ais (Adversary Number 07-00335). Inthe complaint Plaintiffs allege that 5 violated the automatic stay under the provisions of the Bankruptcy Code, 11 U.S.C. § 362 (a), 6 jland the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692c (a)(2) and 1692(f)(1), (“FDCPA”). 7 |The Plaintiffs contend that NCO willfully violated the automatic stay on two separate occasions. The 8 instance occurred on or about October 23, 2006 when a representative of NCO tried to collect 9 jjon the pre-petition debi via telephone with the Plaintiffs’ attorney. The second occasion was 10 sometime in February 2007 when Plaintiffs received a written demand for payment of such debt from 11 NCO. Plaintiffs also allege that Banco Santander continued to collect on the pre-petition debt after 12 bankruptcy filing, and that Banco Santander, sometime during the pendency of the case, sold, 13 |/transferred or assigned Plaintiffs’ pre-petition debt to NCO. On June 26, 2008, the Plaintiffs and NCO 14 a Joint Stipulation of Voluntary Withdrawal of Complaint (Docket No. 21) pursuant to Rule 15 of Bankruptcy Procedure, dismissing the case against NCO with prejudice. No further details 16 |jof the settlement were provided by the parties. 17 On December 7, 2007, Plaintiffs filed the present adversary proceeding alleging that 18 Defendant willfully violated the automatic stay provisions of the Bankruptcy Code, 11 U.S.C. □□□□ 19 |i(a), by continuing collection efforts of pre-petition debts against them, notwithstanding that Banco 20 ||Santander knew of their bankruptcy filing. Plaintiffs allege that following the debtors filing of the 21 bankruptcy petition, the pre-petition defaulted debt to Banco Santander was sold, transferred or 22 jlassigned to NCO. The complaint against Defendant also includes severai allegations which state that 23 |INCO Financial Systems of Puerto Rico (“NCO”) also violated the automatic stay provisions of the 24 Bankruptcy Code. However, other than as seller and buyer of this debt, the complaint does not 25 suggest any other nexus between the Defendant and NCO. 7 * The bankruptcy case docket shows that the chapter 13 trustee filed a final report on February 2, 2007 informing that the Debtors had completed their chapter 13 plan. The trustee’s 28 || report discloses payments to Banco Santander de Puerto Rico.

1 2 On September 3, 2008 Defendant filed a “Motion to Dismiss and Memorandum of Law in 3 |Support Thereof’ (Docket No. 13) alleging that Plaintiffs’ action is barred by the doctrine of res 4 |judicata, which guards against claim-splitting. Defendant alleges that both of Plaintiffs’ complaints 5 based upon the same set of facts, that Plaintiffs’ right of action is in its nature entire and 6 jjindivisible and, thus, may not be split up into several causes of action and sued piecemeal (Motion 7 Dismiss, p. 5). Defendant also argues that the dismissal with prejudice in the adversary proceeding § jlagainst NCO bars the complaint against Defendant because it stems from the same transaction and 9 set of facts (Motion to Dismiss, p. 5). Defendant argues that the elements for a claim to be preluded, 10 jas established in Porn v. National Grange Mutual Ins. Co., 93 F. 3d 31, 34 (1" Cir . 1996), were met; 11 is, a final judgment on the merits in an earlier action, sufficient identity between the causes of 12 |action asserted in both suits, and sufficient identity between the parties in the two suits. In the 13 |lalternative, Defendant argues that this adversary proceeding should be dismissed under Fed. R. Civ. 14 19(b) for failure to join an indispensable party (NCO) in this proceeding. 15 In their opposition Plaintiffs’ argue that the doctrine of res judicata is not applicable as one 16 its three components was not satisfied, namely, a final judgment on the merits was not entered in 17 |ithe adversary proceeding against NCO. Plaintiffs do not discuss in their opposition whether the other 18 components of the three prong test necessary to establish claim preclusion were met by the 19 Defendant. Plaintiffs’ position is that a voluntary dismissal achieved by means of a joint stipulation 20 prejudice does not constitute a final judgment on the merits. 21 Subsequently, Defendant filed a Motion Requesting Leave to File Reply to Opposition to 22 Motion to Dismiss and Submitting Tendered Reply Subject to the Court’s Leave to File the Same 23 {(Docket No. 22). In this motion Defendant reasserts its position that a voluntary dismissal by means 24 a joint stipulation is an adjudication on the merits for claim preclusion purposes. 25 Applicable Law and Analysis 26 |\Standard for Granting a Motion to Dismiss 27 Motions to dismiss are governed by Federal Rule of Civil Procedure 12(b)(6), which provides 28 a defense of “failure to state a claim upon which relief can be granted” to a claim for relief may

Ibe presented by motion before the filing of a responsive pleading. 2 For purposes of a motion to dismiss, “(1) the complaint is construed in the light most 3 Ifavorable to the plaintiff, (2) its factual allegations are taken as true, and (3) all reasonable inferences 4 can be drawn from the pleading are drawn in favor of the pleader.” Wright & Miller Federal 5 |(Practice and Procedure: Civil 3d § 1357 at 417, citing Viera Marcano v. Ramirez Sanchez, 224 F. 6 2d 397 (D.P.R. 2002). See also, Correa Martinez v. Arrillaga-Belendez, 903 F.2d 49, 51 (1* 7 1990). The plaintiff must set forth “factual allegations, either direct or inferential, regarding each 8 {material element necessary to sustain recovery under some actionable theory.” Id., citing Gooley v. 9 Oil Corp., 851 F.2d 513, 514 (1" Cir. 1988), See also, LaChapelle v. Berkshire Life Insurance 10 (Company, 142 F.3d 507

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Bluebook (online)
In re: Jose Hernandez Amador; Elsa Coca Mir Correa v. Banco Santander Puerto Rico, Counsel Stack Legal Research, https://law.counselstack.com/opinion/in-re-jose-hernandez-amador-elsa-coca-mir-correa-v-banco-santander-prb-2009.