Lisa Romero Gonzalez v. Fred Loya Insurance Company

District Court, W.D. Texas·Decided February 27, 2026·No. 5:25-cv-01367·Unknown

Opinion

UNITED STATES DISTRICT COURT WESTERN DISTRICT OF TEXAS SAN ANTONIO DIVISION

LISA ROMERO GONZALEZ, § Plaintiff § § v. § Case No. SA-25-CA-01367-XR § FRED LOYA INSURANCE COMPANY, § Defendant §

ORDER ON MOTION TO DISMISS AND COMPEL ARBITRATION On this date, the Court considered Defendant’s Motion to Dismiss and Compel Arbitration (ECF No. 5). After careful consideration, the Court issues the following order. BACKGROUND This is an employment dispute. Plaintiff alleges that she worked for Defendant for approximately five years when she was diagnosed with thyroid cancer. ECF No. 5–6. She claims that when she sought time off and work-from-home adjustments from her supervisor, the supervisor “aggressively screamed at [her],” threatened to fire her, and denied her request. Id. She alleges that the supervisor was “verbally abusive,” causing “severe anxiety and stress,” despite Plaintiff’s cancer diagnosis “substantially limit[ing] one or more major activities.” Id. She further claims that she was “wrongfully terminated from employment” in April 2025. ECF No. 1. Plaintiff brought this action alleging discrimination, retaliation, harassment, and wrongful termination under Title VII of the Civil Rights Act and the Americans with Disabilities Act. Id. at 6. Defendant moved to dismiss Plaintiff’s complaint and compel arbitration.1 It contends that Plaintiff agreed to arbitrate any claims relating to her employment on three separate occasions: in

1 ECF No. 5. Defendant moves to do so under Federal Rule of Civil Procedure 12(b)( 1), or in the alternative, (b)(4) or (b)(6). Id. at 1. her employment application, in signing Defendant’s “Handbook and Employee Manual”, and in a stand alone “Mutual Agreement to Arbitrate Claims” (the “Arbitration Agreement”). Id. at 3. LEGAL STANDARD I. Pro Se Construction The Court notes that Plaintiff is proceeding pro se. When reviewing a pro se complaint,

the Court must construe the allegations liberally, holding the pro se plaintiff to less stringent pleading standards than those applicable to lawyers. Erickson v. Pardus, 551 U.S. 89, 94 (2007) (citing Estelle v. Gamble, 429 U.S. 97, 106 (1976)); see Haines v. Kerner, 404 U.S. 519, 520–21 (1972). Likewise, while courts “liberally construe briefs of pro se litigants and apply less stringent standards to parties proceeding pro se than to parties represented by counsel, pro se parties must still brief the issues and reasonably comply with [federal procedural rules].” U.S. Bank Nat’l Ass’n v. Johnson, No. 1:15-CV-788-RP, 2017 WL 598499, at *2 (W.D. Tex. Feb. 14, 2017) (quoting Grant v. Cuellar, 59 F.3d 524, 524 (5th Cir. 1995)). II. Agreements to Arbitrate The Fifth Circuit has established a two-step inquiry in determining whether the parties have

agreed to arbitrate a claim. “The first is contract formation—whether the parties entered into any arbitration agreement at all. The second involves contract interpretation to determine whether this claim is covered by the arbitration agreement.” Kubala v. Supreme Prod. Servs., Inc., 830 F.3d 199, 201 (5th Cir. 2016) (emphasis in original). In the absence of a valid clause delegating the threshold issue of arbitrability to the arbitrator, both steps are questions for the Court. Id. Although there is a strong presumption favoring arbitration, the presumption arises only after the party seeking to compel arbitration proves that a valid arbitration agreement exists. TRC Envt’l Corp. v. LVI Facility Servs., Inc., 612 F. App’x 759, 762 (5th Cir. 2015). Hence, the party moving to compel arbitration bears the initial burden of proving the existence of a valid agreement to arbitrate. See Huckaba v. Ref-Chem, L.P., 892 F.3d 686, 688 (5th Cir. 2018). Once the moving party has met its initial burden, the burden shifts to the party resisting arbitration to assert a reason that the arbitration agreement is unenforceable. Carter v. Countrywide Credit Indus., Inc., 362 F.3d 294, 297 (5th Cir. 2004) (citing Gilmer v. Interstate/Johnson Lane Corp., 500 U.S. 20, 24

(1991)). “Section 2 of the FAA provides that written arbitration agreements ‘shall be valid, irrevocable, and enforceable, save upon such grounds as exist at law or in equity for the revocation of any contract.’” Doctor’s Assocs., Inc. v. Casarotto, 517 U.S. 681, 686–87 (1996) (quoting 9 U.S.C. § 2). “[A]s a matter of federal law, arbitration agreements and clauses are to be enforced unless they are invalid under principles of state law that govern all contracts.” Iberia Credit Bureau, Inc. v. Cingular Wireless LLC, 379 F.3d 159, 166 (5th Cir. 2004) (emphasis in original) (interpreting Section 2). Thus, “generally applicable contract defenses, such as fraud, duress, or unconscionability, may be applied to invalidate arbitration agreements without contravening § 2.”

Casarotto, 517 U.S. at 687. DISCUSSION I. The Arbitration Provision Is Valid and Enforceable Whether there is a valid arbitration agreement turns on state contract law. Kubala, 830 F.3d at 202; see Wash. Mut. Fin. Grp., LLC v. Bailey, 364 F.3d 260, 264 (5th Cir. 2004) (“[I]n determining whether the parties agreed to arbitrate a certain matter, courts apply the contract law of the particular state that governs the agreement.”). Texas law provides that the party attempting to enforce an arbitration agreement must show the agreement meets all requisite contract elements. Specialty Select Care Ctr. of San Antonio, L.L.C. v. Owen, 499 S.W.3d 37, 43 (Tex. App.—San Antonio 2016). Under Texas law, “[t]he elements needed to form a valid and binding contract are (1) an offer; (2) acceptance in strict compliance with the offer’s terms; (3) a meeting of the minds; (4) consent by both parties; (5) execution and delivery; and (6) consideration.” Id. When an arbitration agreement is part of an underlying contract, the rest of the agreement provides the necessary consideration. In re AdvancePCS Health L.P., 172 S.W.3d 603, 607 (Tex. 2005).

Here, neither party suggests that the Arbitration Agreement is unenforceable. Plaintiff signed the agreement at the beginning of her employment. ECF No. 5 at 3; see also Rojas v. TK Communs., 87 F.3d 745, 751 (5th Cir. 1996) (holding that an arbitration clause in an employment agreement required the parties to arbitrate the plaintiff’s Title VII claim). In doing so, Plaintiff affirmed that Defendant’s “provision of employment . . . and the promises by [Defendant] and by [Plaintiff] to arbitrate differences . . . provide consideration” for her pledge to arbitrate any claims. ECF No. 5-1 at 6. The Court finds that the agreement is valid and enforceable. See Educ. Mgmt. Servs., LLC v. Tracey, No.

Free access — add to your briefcase to read the full text and ask questions with AI

Lisa Romero Gonzalez v. Fred Loya Insurance Company, (W.D. Tex. 2026).

Lisa Romero Gonzalez v. Fred Loya Insurance Company (Lisa Romero Gonzalez v. Fred Loya Insurance Company) — published by Counsel Stack Legal Research, free access to 12M+ legal documents.

Related

Washington Mutual Finance Group, LLC v. Bailey
364 F.3d 260 (Fifth Circuit, 2004)
Carter v. Countrywide Credit Industries, Inc.
362 F.3d 294 (Fifth Circuit, 2004)
Iberia Credit Bureau, Inc. v. Cingular Wireless LLC
379 F.3d 159 (Fifth Circuit, 2004)
Mire v. Full Spectrum Lending Inc.
389 F.3d 163 (Fifth Circuit, 2004)
Haines v. Kerner
404 U.S. 519 (Supreme Court, 1972)
Estelle v. Gamble
429 U.S. 97 (Supreme Court, 1976)
Gilmer v. Interstate/Johnson Lane Corp.
500 U.S. 20 (Supreme Court, 1991)
Doctor's Associates, Inc. v. Casarotto
517 U.S. 681 (Supreme Court, 1996)
Erickson v. Pardus
551 U.S. 89 (Supreme Court, 2007)
In Re AdvancePCS Health L.P.
172 S.W.3d 603 (Texas Supreme Court, 2005)
TRC Environmental Corp. v. LVI Facility Services, Inc.
612 F. App'x 759 (Fifth Circuit, 2015)
Ted Kubala, Jr. v. Supreme Production Svc, Inc.
830 F.3d 199 (Fifth Circuit, 2016)
Kimberly Huckaba v. Ref-Chem, L.P.
892 F.3d 686 (Fifth Circuit, 2018)
Specialty Select Care Center of San Antonio, L.L.C. v. Owen
499 S.W.3d 37 (Court of Appeals of Texas, 2016)
Smith v. Spizzirri
601 U.S. 472 (Supreme Court, 2024)