Kammerer v. PennyMac Loan Services LLC

CourtDistrict Court, D. Arizona
DecidedMarch 25, 2025
Docket4:24-cv-00437
StatusUnknown

This text of Kammerer v. PennyMac Loan Services LLC (Kammerer v. PennyMac Loan Services LLC) 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
Kammerer v. PennyMac Loan Services LLC, (D. Ariz. 2025).

Opinion

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

9 Scott Richard Kammerer, No. CV-24-00437-TUC-RM

10 Plaintiff, ORDER

11 v.

12 PennyMac Loan Services LLC, et al.,

13 Defendants. 14 15 On August 2, 2024, Plaintiff, proceeding pro se, initiated this action by filing a 16 Complaint in Pima County Superior Court. (Doc. 1-3 at 9-19.)1 Plaintiff’s allegations 17 involve real property purchased by his deceased mother, financed with a loan secured by 18 a deed of trust recorded against the property. (Id.; Doc. 6 at 3.) Pennymac Loan 19 Services, LLC (“Defendant” or “Pennymac”) was the servicer of the loan at all times 20 relevant to this dispute. (Doc. 1-3 at 9-19; Doc. 6 at 3.) 21 In his Complaint, Plaintiff alleges that his rights were violated leading up to and 22 following the nonjudicial foreclosure sale of the property to third-party purchaser BDB 23 Capital, LLC, on May 7, 2024. (Doc. 1-3 at 12 ¶ ¶ 23-24.)2 Plaintiff brings nine causes 24 of action against Pennymac, the law firm Tiffany & Bosco, P.A., Mark S. Bosco, 25 Leonard McDonald, and BDB Capital, LLC for (1) failing to provide proper notice and 26 process; (2) unfair trade practices; (3) breach of contract; (4) mortgage fraud; (5)

27 1 All record citations refer to the page numbers generated by the Court’s electronic filing system. 28 2 On July 2, 2024, the Pima County Superior Court granted Defendant DBD Capital, LLC’s Motion for Forcible Entry and Detainer. (Doc. 1-3 at 87.) 1 infliction of emotional distress; (6) “Claims Against Tiffany & Bosco” and Mark S. 2 Bosco; (7) violations of the Real Estate Settlement Procedures Act; (8) violations of the 3 Fair Debt Collection Practices Act; and (9) “Accountability of the State.” (Id. at 14 ¶ 38- 4 18 ¶ 82). On August 30, 2024, Defendant Pennymac, the only Defendant to have 5 appeared in this case and to respond to Plaintiff’s Complaint, removed the action to this 6 Court based on federal-question jurisdiction. (Doc. 1.)3 7 On September 6, 2024, Pennymac filed a Motion to Dismiss Pursuant to Rule 8 12(b)(6). (Doc. 6.) On September 19, 2024, this Court issued an Order informing 9 Plaintiff that Defendant had filed the Motion to Dismiss and instructing Plaintiff to 10 respond to the Motion by October 18, 2024. (Doc. 9.) The Order further warned Plaintiff 11 that:

12 The failure of Plaintiff to respond to Defendant’s Motion to Dismiss (Doc. 6) may, at the discretion of the Court, be deemed a consent to the granting 13 of that Motion without further notice, and judgment may be entered dismissing the complaint and action with prejudice pursuant to LRCiv 14 7.2(i).

15 (Id. at 2 (citing Brydges v. Lewis, 18 F.3d 651 (9th Cir. 1994) (per curiam)).) 16 On October 3, 2024, Plaintiff filed a Motion for Temporary Restraining Order and 17 to Stay Eviction Proceedings. (Doc. 10.) On October 15, 2024, the Court denied 18 Plaintiff’s request for a temporary restraining order and construed the Motion as seeking 19 a preliminary injunction. (Doc. 14.) The Court found that Plaintiff had not described any 20 future actions Defendants are expected to take that would cause immediate and 21 irreparable harm, as the eviction Plaintiff sought to prevent had already occurred, and the 22 property had already been sold to a third party. (Id. at 2.) In the same Order, the Court 23 noted that Defendant’s Motion to Dismiss was also pending and that it had “issued an 24 Order informing Plaintiff of his rights and obligations to respond.” (Id. at 1, n.1.)

25 3 Defendant Pennymac does not dispute that it was properly served. (Doc. 1-3 at 7-8; Doc. 1-5 at 2.) There is no evidence in the record that Tiffany & Bosco P.A., Mark S. 26 Bosco, or Leonard McDonald have been properly served. Plaintiff did not submit proof of service on any of these Defendants, and none of them have appeared in this case. 27 Pennymac’s Notice of Removal states that counsel for BDB Capital, LLC, Blythe Edmondson, confirmed that BDB Capital, LLC had been served as of August 27, 2024. 28 (Doc. 1 at 3.) However, BDB Capital, LLC, has not appeared in this case, and there is no other indication in the record that it has been served. 1 Defendant responded in opposition to Plaintiff’s Motion. (Doc. 15.) The Court permitted 2 Plaintiff to file a Reply (Doc. 14 at 3), but he did not do so. 3 On October 25, 2024, Plaintiff filed a Motion to Halt Estate Sale and Enforce 4 Preliminary Injunction Order (Doc. 16), to which Defendant responded in opposition 5 (Doc. 17). On November 14, 2024, Plaintiff filed a Motion to Enforce Federal 6 Jurisdiction, Void Post-Removal Actions, and for Emergency Injunctive Relief (Doc. 18), 7 to which Defendant responded in opposition (Doc. 19). 8 To date, Plaintiff has failed to respond to Defendant’s Motion to Dismiss, request 9 an extension of time to do so, or submit any responsive filing to Defendant’s arguments. 10 I. Failure to Respond to Motion to Dismiss 11 The Court may summarily grant Defendant’s Motion to Dismiss and dismiss 12 Plaintiff’s Complaint due to Plaintiff’s failure to file a response to the Motion to Dismiss. 13 Under Local Rule of Civil Procedure 7.2(i), if an “unrepresented party or counsel does 14 not serve and file the required answering memoranda…such non-compliance may be 15 deemed a consent to the denial or granting of the motion and the Court may dispose of 16 the motion summarily.” Before dismissing an action for failure to follow the court’s 17 local rules, “the district court is required to weigh several factors: (1) the public’s interest 18 in expeditious resolution of litigation; (2) the court’s need to manage its docket; (3) the 19 risk of prejudice to the defendants; (4) the public policy favoring disposition of cases of 20 their merits; and (5) the availability of less drastic sanctions.” Ghazali v. Moran, 46 F.3d 21 52, 53 (9th Cir. 1995). 22 Here, the Ghazali factors favor dismissal. “[T]he public’s interest in expeditious 23 resolution of litigation always favors dismissal.” Yourish v. California Amplifier, 191 24 F.3d 983, 990 (9th Cir. 1999). Furthermore, Plaintiff’s unexplained failure to respond to 25 Pennymac’s Motion to Dismiss has interfered with the Court’s ability to address the 26 Motion on the merits, has impeded the Court’s management of its docket, and has risked 27 delay and prejudice to Defendants. The Court finds that dismissal without prejudice is 28 appropriate as a less drastic alternative to dismissal with prejudice. 1 II. Motion to Dismiss 2 In the alternative, the Court finds that Defendant’s Motion to Dismiss should be 3 granted on the merits. 4 A. Standard of Review 5 Dismissal of a complaint, or any claim within it, for failure to state a claim under 6 Federal Rule of Civil Procedure 12(b)(6) may be based on either a “‘lack of a cognizable 7 legal theory’ or ‘the absence of sufficient facts alleged under a cognizable legal theory.’” 8 Johnson v. Riverside Healthcare Sys., LP, 534 F.3d 1116, 1121 (9th Cir. 2008) (quoting 9 Balistreri v. Pacifica Police Dep’t, 901 F.2d 696, 699 (9th Cir. 1990)). “To survive a 10 motion to dismiss, a complaint must contain sufficient factual matter, accepted as true, to 11 ‘state a claim to relief that is plausible on its face.’” Ashcroft v. Iqbal, 556 U.S. 662, 678 12 (2009) (quoting Bell Atlantic Corp. v. Twombly,

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Bluebook (online)
Kammerer v. PennyMac Loan Services LLC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/kammerer-v-pennymac-loan-services-llc-azd-2025.