Lissette Napoleoni v. Deutsche Bank National Trust Company, as Trustee, on behalf of the Holders of the Impac Secured Assets Corp. Mortgage Pass-Through Certificates Series 2007-1.

CourtDistrict Court, D. Nevada
DecidedSeptember 30, 2025
Docket2:25-cv-00127
StatusUnknown

This text of Lissette Napoleoni v. Deutsche Bank National Trust Company, as Trustee, on behalf of the Holders of the Impac Secured Assets Corp. Mortgage Pass-Through Certificates Series 2007-1. (Lissette Napoleoni v. Deutsche Bank National Trust Company, as Trustee, on behalf of the Holders of the Impac Secured Assets Corp. Mortgage Pass-Through Certificates Series 2007-1.) is published on Counsel Stack Legal Research, covering District Court, D. Nevada primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Lissette Napoleoni v. Deutsche Bank National Trust Company, as Trustee, on behalf of the Holders of the Impac Secured Assets Corp. Mortgage Pass-Through Certificates Series 2007-1., (D. Nev. 2025).

Opinion

1 2 3 4 UNITED STATES DISTRICT COURT 5 DISTRICT OF NEVADA 6 * * *

7 LISSETTE NAPOLEONI, Case No. 2:25-cv-00125-RFB-DJA

8 Plaintiff, ORDER

9 v.

10 DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE, ON BEHALF 11 OF THE HOLDERS OF THE IMPAC SECURED ASSETS CORP. MORTGAGE 12 PASS-THROUGH CERTIFICATES SERIES 2007-1., 13 Defendant. 14

15 16 Before the Court for consideration is Defendant’s (ECF No. 7) Motion to Dismiss and 17 (ECF No. 10) Motion to Expunge Lis Pendens. For the foregoing reasons, the Court grants both 18 Motions and denies all other pending Motions as moot. 19 20 I. FACTUAL AND PROCEDURAL BACKGROUND 21 The following factual and procedural background includes factual allegations asserted in 22 Plaintiff’s complaints in the three actions now consolidated in the instant matter, as well as 23 judicially noticed matters of public record. 24 A. The Underlying Note and Deed of Trust 25 Plaintiff purchased real property located at 1465 Pawnee Drive, Las Vegas, Nevada (the 26 “Property”) on April 22, 2005.1 Plaintiff financed the purchase as evidenced by two deeds of trust, 27 28 1 The Court takes judicial notice of the property records of the subject Property authenticated by the Clark County Recorder as matters of public record. Lee v. City of Los 1 recorded on April 22, 2005. In December 2006, Plaintiff refinanced her loans and signed an 2 adjustable-rate promissory note (“Note”) and Deed of Trust (“DOT”) with IMPAC Funding 3 Corporation dba IMPAC Lending Group (“IMPAC”) designated as the lender, securing a loan of 4 $265,500.00 (the “Loan”). The Note was not endorsed.2 5 According to an “Affidavit of Lost Note” executed by a representative of Bank of America, 6 National Association (“BANA”), attached to Deutsche Bank’s Motion for Relief from Automatic 7 Stay in Plaintiff’s Chapter 13 Bankruptcy proceeding, BANA acquired possession of the Note on 8 or before December 27, 2006, as the servicer of the Note.3 9 On August 31, 2009, a Notice of Default and Election to Sell under the DOT was recorded 10 by Mortgage Electronic Registration Systems, Inc. (“MERS”), as the successor beneficiary of the 11 DOT. The Notice listed BAC Home Loans Servicing, LP (“BAC”), a subsidiary of BANA, as the 12 point of contact for curing default, loan modification, and mediation. On February 24, 2010, a 13 Nevada Notice of Trustee’s Sale was recorded, with a nonjudicial foreclosure sale scheduled for 14 March 15, 2010. 15 On August 11, 2010, an “Assignment of Deed of Trust” was recorded. The Assignment 16 indicated that on July 30, 2010, MERS as successor beneficiary under the DOT, and nominee for 17 IMPAC, endorsed the Note and assigned all rights and interest under the DOT and Note to 18 Defendant Deutsche Bank National Trust Company, as Trustee, on Behalf of The Holders of The 19 IMPAC Secured Assets Corp. Mortgage Pass-Through Certificates Series 2007-1 (“Deutsche 20 Bank” or Defendant). 21 On August 16, 2011, a “Corporation Assignment of Deed of Trust” was recorded. That 22 document stated the DOT, together with the Note, was assigned by MERS to Deutsche Bank on 23 August 10, 2011. 24 ///

25 Angeles, 250 F.3d 668, 689 (9th Cir. 2001) (“[U]under Fed. R. Evid. 201, a court may take judicial notice of ‘matters of public record.’”) (citing Mack v. South Bay Beer Distrib., 798 F.2d 1279, 26 1282 (9th Cir. 1986)). 27 2 Deutsche Bank attached a copy of the original Note, which was unendorsed. See ECF No 8-2. Plaintiff’s Complaint also alleges the Note was not endorsed. 28 3 See In Re: Lissette Napoleoni, Case No. BKS-10-13688-BAM at ECF No. 112-2. 1 B. Plaintiff’s Chapter 13 Bankruptcy 2 On March 8, 2010, Plaintiff filed for Chapter 13 bankruptcy. See In Re: Lissette Napoleoni, 3 Case No. BKS-10-13688-BAM. On August 24, 2010, Deutsche Bank filed a Proof of Claim 4 (“POC”) for the Loan and arrearage, with BAC as the servicer. See id. at Claim No. 20-1. The 5 POC included a copy of the DOT, and the July 30, 2010 “Assignment of Deed of Trust.” Id. The 6 POC did not attach a copy of the Note. Id. 7 On December 27, 2010, Plaintiff filed a motion to value the Property and “strip off” a lien 8 held by a second position deed of trust holder. Id. at ECF No. 56. The Motion explicitly recognized 9 Deutsche Bank’s priority lien on the Property. Id. On February 24, 2011, the bankruptcy court 10 ordered that the second position DOT lien would be stripped and avoided upon completion of the 11 Chapter 13 plan and/or discharge. Id. at ECF No. 60. 12 On May 31, 2011, Plaintiff agreed to a loan modification with Deutsche Bank, through its 13 servicer BAC, recapitalizing $19,637.17 in arrears and lowering the interest rate to 2-3% on the 14 principal. Id. at ECF No. 66-2. The bankruptcy court approved the modification on June 30, 2011. 15 Id. at ECF No. 74. Deutsche Bank, by and through BAC, filed an Amended POC on February 9, 16 2012, which recognized the loan modification. Id., Claim No. 20-2. Plaintiff did not object to the 17 Amended POC. 18 On September 9, 2011, the bankruptcy court approved Plaintiff’s # 4 Chapter 13 Plan, 19 which confirmed the loan modification agreement and listed the creditor as Bank of America Home 20 Loans. Id. at ECF Nos. 85, 87. 21 On February 29, 2012, Reconstruct Company, N.A., listed as “Trustee for the Beneficiary,” 22 recorded a “Rescission of Election to Declare Default.” 23 After Plaintiff defaulted on payments under the modified loan, Plaintiff filed her Modified 24 # 5 Chapter 13 Plan on July 1, 2014. Id. at ECF No. 87. The # 5 Plan provided Plaintiff would 25 surrender the Property in full satisfaction of the claim of Bank of America Home Loans “not later 26 than 10 days after confirmation of this plan.” Id. The Number # 5 Plan was confirmed on December 27 29, 2014. Id. at ECF No. 109. 28 On June 23, 2015, Deutsche Bank, with BANA as loan servicer, filed a Motion for Relief 1 from Automatic Stay based on Plaintiff’s default on her loan payments due as of February 1, 2014, 2 and failure to surrender the property pursuant to the # 5 Plan. Id. at 112. The Motion sought relief 3 from the stay so Deutsche Bank could proceed with nonjudicial foreclosure. The Motion attached 4 a Lost Note Affidavit dated September 12, 2012, by the Assistant Vice President of BANA. It 5 stated that the original Note executed by Plaintiff on December 12, 2006 was acquired by BANA 6 on or before December 27, 2006, and that “BANA’s lost note procedures were followed in 7 determining that the Note had been lost.” Id. at 112-2. Plaintiff did not oppose the Motion. Based 8 on Plaintiff’s non-opposition, the bankruptcy court granted Deutsche Bank relief from the 9 automatic stay on August 7, 2015. Id. at ECF No. 116. On October 1, 2015, the bankruptcy court 10 granted Plaintiff a discharge based on her completion of the Chapter 13 Plan. Id. at ECF No. 120. 11 C. Post-Bankruptcy, Pre-State Court Action 12 In 2016, Plaintiff alleges Deutsche Bank sent her a letter claiming to be the Note holder. 13 She states that until that point, she believed IMPAC was still the lender and BANA was the 14 servicer, because the information on her billings did not change. Plaintiff alleges she demanded 15 evidence of Deutsche Bank’s interest in the Property and a copy of the original Note, but Deutsche 16 Bank failed to provide it. 17 On October 27, 2016, Deutsche Bank, as current beneficiary for the DOT, recorded a 18 substitution of the original trustee, Ron Morrison, with MTC Financial Inc. dba Trustee Corps 19 (“MTC”) as the new trustee for the DOT. 20 D.

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Lissette Napoleoni v. Deutsche Bank National Trust Company, as Trustee, on behalf of the Holders of the Impac Secured Assets Corp. Mortgage Pass-Through Certificates Series 2007-1., Counsel Stack Legal Research, https://law.counselstack.com/opinion/lissette-napoleoni-v-deutsche-bank-national-trust-company-as-trustee-on-nvd-2025.