Rinegard-Guirma v. Phh Mortgage Corporation

• Court: Court of Appeals for the Ninth Circuit
• Decided: March 19, 2026
• Docket: 24-4838
• Status: Unpublished

Opinion

NOT FOR PUBLICATION FILED UNITED STATES COURT OF APPEALS MAR 19 2026 MOLLY C. DWYER, CLERK U.S. COURT OF APPEALS FOR THE NINTH CIRCUIT

NATACHE D. RINEGARD-GUIRMA, No. 24-4838 D.C. Nos. 3:23-cv-01343-AN Plaintiff - Appellant, 3:23-cv-01344-AN v. MEMORANDUM* PHH MORTGAGE CORPORATION; U.S. BANK NATIONAL ASSOCIATION, as Trustee Under the Pooling and Servicing Agreement Dated as of August 1, 2006, GSAMP Trust 2006-HE5,

Defendants - Appellees.

Appeal from the United States District Court for the District of Oregon Adrienne C. Nelson, District Judge, Presiding

Submitted March 16, 2026**

Before: SILVERMAN, NGUYEN, and HURWITZ, Circuit Judges.

Natache D. Rinegard-Guirma appeals pro se from the district court’s

judgment affirming the bankruptcy court’s order denying her motion for an order

* This disposition is not appropriate for publication and is not precedent except as provided by Ninth Circuit Rule 36-3. ** The panel unanimously concludes this case is suitable for decision without oral argument. See Fed. R. App. P. 34(a)(2). to show cause. We have jurisdiction under 28 U.S.C. § 158(d)(1). We review de

novo the district court’s decision on appeal from the bankruptcy court without

deference to the district court. In re Thorpe Insulation Co., 677 F.3d 869, 879 (9th

Cir. 2012). We affirm.

The bankruptcy court properly denied Rinegard-Guirma’s motion for an

order to show cause because appellees did not violate 11 U.S.C. § 524(a) by

pursuing a foreclosure action against the disputed property. See In re Blendheim,

803 F.3d 477, 493 (9th Cir. 2015) (explaining that under 11 U.S.C. § 524(a), “a

discharge is neither effective nor necessary to void a lien or otherwise impair a

creditor’s state-law right of foreclosure”); see also In re Taggart, 980 F.3d 1340,

1347 (9th Cir. 2020) (stating that this court reviews for an abuse of discretion a

bankruptcy court’s civil contempt rulings).

All pending motions and requests are denied.

AFFIRMED.

2 24-4838