Lysyy v. Deutsche Bank National Trust Company

CourtDistrict Court, W.D. Washington
DecidedApril 3, 2024
Docket2:24-cv-00062
StatusUnknown

This text of Lysyy v. Deutsche Bank National Trust Company (Lysyy v. Deutsche Bank National Trust Company) is published on Counsel Stack Legal Research, covering District Court, W.D. Washington primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Lysyy v. Deutsche Bank National Trust Company, (W.D. Wash. 2024).

Opinion

1 2

3 4 5 6 7 UNITED STATES DISTRICT COURT WESTERN DISTRICT OF WASHINGTON 8 AT SEATTLE

9 10 TATYANA LYSYY, et al., CASE NO. C24-0062JLR 11 Plaintiff, ORDER v. 12 DEUTSCHE BANK NATIONAL 13 TRUST COMPANY, et al., 14 Defendant. 15 I. INTRODUCTION 16 Before the court are two motions: (1) Plaintiffs Tatyana Lysyy and Vasiliy 17 Lysyy’s (together, “Plaintiffs”) motion to remand (MTR (Dkt. # 31); MTR Reply (Dkt. 18 # 51)); and (2) Defendants Deutsche Bank National Trust Company, as Trustee on Behalf 19 of the Holders of the Impac Secured Assets Corp. Mortgage Pass-Through Certificates 20 Series 2007-1 (the “Trust”), Select Portfolio Servicing, Inc. (“SPS”), Mortgage Electronic 21 Registration Systems, Inc. (“MERS”), Safeguard Properties Management, LLC 22 1 (“Safeguard”) and Residential RealEstate Review, Inc.’s (“RRR”) (together, “MSJ 2 Defendants”) motion for summary judgment (MSJ (Dkt. # 14); MSJ Reply (Dkt. # 49)1).

3 MSJ Defendants oppose Plaintiffs’ motion to remand (MTR Resp. (Dkt. # 40)), and 4 Plaintiffs oppose MSJ Defendants’ motion for summary judgment (MSJ Resp. (Dkt. 5 # 45)). Plaintiffs have also filed a surreply in which they ask the court to strike certain 6 evidence and arguments that, they assert, MSJ Defendants raised for the first time in their 7 reply in support of their motion for summary judgment. (MSJ Surreply (Dkt. # 53).2) 8 The court has considered the parties’ submissions, the relevant portions of the record, and

9 the governing law. Being fully advised,3 the court (1) DENIES Plaintiffs’ motion to 10 remand; (2) GRANTS in part and DENIES in part MSJ Defendants’ motion for summary 11 judgment; and (3) ORDERS Plaintiffs to show cause why the court should not grant 12 summary judgment in MSJ Defendants’ favor on their claims for violations of due 13 process under the United States and Washington Constitutions and violation of an

14 automatic bankruptcy stay. 15

1 Although the caption of MSJ Defendants’ reply indicates that it includes a motion to 16 strike, MSJ Defendants do not move to strike in that filing. (See generally id.)

17 2 MSJ Defendants also filed a surreply in opposition to Plaintiffs’ motion to remand in which they purport to “submit additional briefing” opposing the motion. (MTR Surreply (Dkt. 18 # 52).) This District’s local rules, however, authorize surreplies only for the purpose of asking the court to “strike material contained in or attached to a reply brief” and “strictly limit[]” 19 surreplies “to addressing the request to strike.” Local Rules W.D. Wash. LCR 7(g). Therefore, the court STRIKES MSJ Defendants’ improper surreply and has not considered it in deciding the 20 motion.

3 Both parties requested oral argument on MSJ Defendants’ motion for summary 21 judgment. (MSJ at 1; MSJ Resp. at 1.) No party requested oral argument on Plaintiffs’ motion to remand. (See MTR at 1; MTR Resp. at 1.) The court finds that oral argument would not be 22 helpful to its resolution of the motions. See Local Rules W.D. Wash. LCR 7(b)(4). 1 II. BACKGROUND 2 This lawsuit arises from Plaintiffs’ attempts to avoid a trustee’s sale and regain

3 access to a home in Auburn, Washington (the “Property”). (See generally Am. Compl. 4 (Dkt. # 1-3).) Below, the court sets forth the factual and procedural background relevant 5 to this motion. 6 A. Factual Background 7 On November 9, 2006, Ms. Lysyy executed a promissory note in the amount of 8 $249,500 in favor of PMC Bancorp (the “Note”). (Pittman Decl. (Dkt. # 18) ¶ 7, Ex. A

9 (“Note”).4) To secure repayment of the Note, Plaintiffs executed a deed of trust (together 10 with the Note, the “Loan”) that granted a security interest in favor of MERS on the 11 Property. (Id. ¶ 8, Ex. B.) MERS assigned the deed of trust to the Trust on September 12 14, 2011. (Id. ¶ 9, Ex. C.) 13 Plaintiffs have made no payments on the Loan since April 1, 2010 and, as a result,

14 the Loan is in default. (Id. ¶ 10; see T. Lysyy Decl. (Dkt. # 43) ¶¶ 5-6 (acknowledging 15 that Plaintiffs have made no payments on the Loan since 2010).) Bank of America, then 16 the servicer of the loan, issued a notice of default on August 7, 2015, and the foreclosure 17 trustee, Quality Loan Service of Washington (“QLS”), filed the first Notice of Trustee’s 18

20 4 Plaintiffs argue that the “purported reserve side of Page 5 [of the Note] does not appear to match up to the front” and ask for an order compelling MSJ Defendants to produce the original promissory note. (MSJ Resp. at 3 (citing Note; 3/4/24 Pope Decl. (Dkt. # 42) ¶¶ 3-4, 21 Ex. 2).) Plaintiffs acknowledge, however, that this issue is “not actually relevant to the issues raised in [MSJ] Defendants’ motion” for summary judgment. (3/4/24 Pope Decl. ¶ 3.) 22 Therefore, the court does not discuss this issue further in this order. 1 Sale on the Property on September 25, 2015. (T. Lysyy Decl. ¶ 5, Ex. 2.5) Servicing of 2 the loan was transferred from Bank of America to SPS on November 16, 2016. (Id. ¶ 6,

3 Ex. 3.) 4 In 2019, Plaintiffs had two inspections conducted at the Property.6 On March 22, 5 2019, Rezcom Contractors inspected the Property and provided an estimate for repairs, 6 including the replacement of a leaky roof, rotten siding, garage doors, warped flooring, 7 and water damage. (Kanonik Decl. (Dkt. # 16) ¶ 7, Ex. E (“Rezcom Estimate”).) On 8 July 10, 2019, Michael Marquardt of Mike’s Home Inspection inspected the Property on

9 the request of Plaintiffs’ agent, Peter Kuzmenko, and produced an inspection report. 10 (Marquardt Decl. (Dkt. # 17) ¶¶ 2-3.) In his report, he noted numerous “critical” 11 concerns about the Property, including a leaky roof, leaking gutters, failing siding, 12 overgrown vegetation, rotted deck and steps, outdoor electrical hazards, rotted garage 13 doors, damaged basement, an expired HVAC unit, an unsafe water heater, and damaged

14 walls, ceilings and floors. (Id. ¶ 5, Ex. A (“Marquardt Report”) at 2-3.) Noting that none 15 of the utilities were turned on, Mr. Marquardt concluded that the Property was vacant and 16 in poor condition. (Marquardt Decl. ¶¶ 6-7.) 17 On Friday, October 11, 2019, a trustee’s sale “was called” and the Trust purchased 18 the Property. (Pittman Decl. ¶ 12.) Approximately one hour before the trustee’s sale

20 5 There is no evidence before the court that this trustee’s sale went forward.

6 There is no evidence before the court regarding events that transpired between 21 November 2016 and March 2019 or the facts leading up to Plaintiffs’ decision to conduct these inspections. Plaintiffs allege, however, that QLS issued “at least nine successive notices of its 22 trustee sale” between September 2015 and July 2022. (See Am. Compl. ¶ 4.13.) 1 took place, however, Ms. Lysyy filed for Chapter 13 bankruptcy in the United States 2 Bankruptcy Court for the Western District of Washington, thus triggering an automatic

3 stay of the foreclosure proceedings. (Id.); see In re Tatyana Lysyy, No. 19-13736-TWD 4 (Bankr. W.D. Wash.); 11 U.S.C. § 362(a). According to MSJ Defendants, neither QLS 5 nor SPS received notice of the bankruptcy filing before the trustee’s sale. (Pittman Decl. 6 ¶ 12.) As a result, SPS referred the Property to its Real Estate Owned (“REO”) 7 Department for handling. (Id.) 8 On Saturday, October 12, 2019, the Bankruptcy Noticing Center sent notice of Ms.

9 Lysyy’s filing to SPS “by electronic transmission” to the email address 10 jennifer.chacon@spservicing.com. (12/29/23 Pope Decl. (Dkt. # 2-2) ¶ 11, Ex. 7.) SPS 11 asserts, however, that its Bankruptcy Department did not receive “adequate notification” 12 of Ms. Lysyy’s bankruptcy on October 12 because Ms. Chacon was “solely employed by 13 SPS’s HR Training Department” at the time and “had no responsibilities for handling

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