Roseline Pierre Blanc v. LVNV Funding LLC, A Foreign Limited Liability Company, and Messerli & Kramer, P.A.

CourtDistrict Court, D. Minnesota
DecidedJanuary 5, 2026
Docket0:25-cv-02171
StatusUnknown

This text of Roseline Pierre Blanc v. LVNV Funding LLC, A Foreign Limited Liability Company, and Messerli & Kramer, P.A. (Roseline Pierre Blanc v. LVNV Funding LLC, A Foreign Limited Liability Company, and Messerli & Kramer, P.A.) is published on Counsel Stack Legal Research, covering District Court, D. Minnesota primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

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Roseline Pierre Blanc v. LVNV Funding LLC, A Foreign Limited Liability Company, and Messerli & Kramer, P.A., (mnd 2026).

Opinion

UNITED STATES DISTRICT COURT DISTRICT OF MINNESOTA

Roseline Pierre Blanc, File No. 25-cv-2171 (ECT/SGE)

Plaintiff,

v. OPINION AND ORDER LVNV Funding LLC, A Foreign Limited Liability Company, and Messerli & Kramer, P.A.,

Defendants.

Roseline Pierre Blanc, pro se.

Derrick N. Weber, Messerli & Kramer, P.A., Plymouth, MN, for Defendants LVNV Funding LLC and Messerli & Kramer, P.A.

This case arises from a prior debt-collection case in Hennepin County Conciliation Court. In that case, LVNV Funding LLC, represented by its counsel, Messerli & Kramer, P.A., obtained a judgment in the amount of $1,194.16 against Roseline Pierre Blanc. Ms. Blanc responded by filing this action. Representing herself, Ms. Blanc claims that LVNV and Messerli’s filing of, and conduct in, the prior conciliation-court case was unlawful. She asserts claims under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Federal Constitution, the Uniform Commercial Code, and the Gramm-Leach- Bliley Act, and she asserts common law abuse-of-process and negligence claims. Defendants seek the case’s dismissal under Federal Rule of Civil Procedure 12(b)(6). They argue that Ms. Blanc’s claims are barred by the Rooker-Feldman doctrine or, alternatively, claim preclusion principles. Failing those contentions, Defendants argue that this case’s “sovereign citizen” character justifies dismissal. Defendants’ motion will

be denied for the most part. The Rooker-Feldman doctrine requires dismissal of Ms. Blanc’s request to “vacate” the conciliation court’s judgment, but nothing else. Though claim preclusion principles may bar Ms. Blanc’s claims to some extent, that is not apparent on the face of the Complaint. And this case is not grounded in sovereign-citizen orthodoxy to the degree warranting dismissal on just that basis. The Familiar Rule 12(b)(6) Standards

In reviewing a motion to dismiss for failure to state a claim under Rule 12(b)(6), a court must accept as true all factual allegations in the complaint and draw all reasonable inferences in the plaintiff’s favor. Gorog v. Best Buy Co., 760 F.3d 787, 792 (8th Cir. 2014) (citation omitted). Although the factual allegations need not be detailed, they must be sufficient to “raise a right to relief above the speculative level.” Bell Atl. Corp. v.

Twombly, 550 U.S. 544, 555 (2007). The complaint must “state a claim to relief that is plausible on its face.” Id. at 570. “A claim has facial plausibility when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged.” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009). “Courts must not presume the truth of legal conclusions couched as factual allegations.” Hager v.

Ark. Dep’t of Health, 735 F.3d 1009, 1013 (8th Cir. 2013) (citing Papasan v. Allain, 478 U.S. 265, 286 (1986)). Considering “matters outside the pleadings” generally transforms a Rule 12(b)(6) motion into one for summary judgment, Fed. R. Civ. P. 12(d), but not when the relevant materials are “necessarily embraced” by the pleadings. Zean v. Fairview Health Servs., 858 F.3d 520, 526 (8th Cir. 2017) (quoting Enervations, Inc. v. Minn. Min. & Mfg. Co.,

380 F.3d 1066, 1069 (8th Cir. 2004)). “In general, materials embraced by the complaint include documents whose contents are alleged in a complaint and whose authenticity no party questions, but which are not physically attached to the pleadings.” Id. (citation modified). Courts “additionally consider matters incorporated by reference or integral to the claim, items subject to judicial notice, matters of public record, orders, items appearing in the record of the case, and exhibits attached to the complaint whose authenticity is

unquestioned.” Id. (citation modified); see Miller v. Redwood Toxicology Lab’y, Inc., 688 F.3d 928, 931 n.3 (8th Cir. 2012). When a complaint is based on, and refers to, a prior court case, records from that prior case may be considered in adjudicating a motion to dismiss. Fredin v. Miller, No. 19-cv-3051 (SRN/HB), 2020 WL 3077708, at *5 (D. Minn. June 10, 2020) (“Given that [the] Complaint refers directly to other cases, the Court finds

that the filings in those cases are matters embraced by the pleadings, as well as matters of public record.”), aff’d, 840 F. App’x 61 (8th Cir. 2021) (per curiam); see also Leonardo v. MSW Cap., LLC, No. 16-cv-3845 (PAM/FLN), 2017 WL 2062852, at *2 (D. Minn. May 12, 2017) (recognizing that the defendants’ exhibits were “a quintessential example of materials that are ‘necessarily embraced by the pleadings’” because the complaint

“repeatedly references the state-court action”). The Pro Se Plaintiff “Liberal Construction” Rule Because she is pro se, Ms. Blanc’s operative Complaint is entitled to liberal construction. Erickson v. Pardus, 551 U.S. 89, 94 (2007) (per curiam). “[H]owever inartfully pleaded,” pro se complaints are held “to less stringent standards than formal pleadings drafted by lawyers.” Jackson v. Nixon, 747 F.3d 537, 541 (8th Cir. 2014)

(quoting Erickson, 551 U.S. at 94). “[I]f the essence of an allegation is discernible . . . then the district court should construe the complaint in a way that permits the layperson’s claim to be considered within the proper legal framework.” Solomon v. Petray, 795 F.3d 777, 787 (8th Cir. 2015) (quoting Stone v. Harry, 364 F.3d 912, 915 (8th Cir. 2004)). “Although pro se pleadings are to be construed liberally, pro se litigants are not excused from failing to comply with substantive and procedural law.” Burgs v. Sissel, 745 F.2d 526, 528 (8th

Cir. 1984); see Sorenson v. Minn. Dep’t of Corr., No. 12-cv-1336 (ADM/AJB), 2012 WL 3143927, at *2 (D. Minn. Aug. 2, 2012). A pro se complaint must contain sufficient facts to support the claims it advances. Stone, 364 F.3d at 914. The Complaint’s Factual Allegations and Legal Theories The following facts are recounted in accordance with the just-described Rule

12(b)(6) standards and pro se plaintiff liberal-construction rule. “In or around late 2022,” LVNV and Messerli & Kramer began attempting to collect a $1,119 debt they alleged Ms. Blanc owed to LVNV. Compl. [ECF No. 1] at 3 ¶¶ 9, 10.1 The “alleged debt [was] originally issued by Credit One Bank, N.A.” Id. at 3 ¶ 9. Credit One “purportedly sold” the debt “to Sherman Originator III, LLC,” and “then transferred [it] to LVNV.” Id. at 3

1 Page cites are to pagination assigned by the court’s CM/ECF system appearing in a document’s upper right corner, not to a document’s original pagination. It is necessary to include citations to both the Complaint’s page and paragraph numbers because the document’s paragraphs are not sequential. See, e.g., Compl. at 4–5 (going from paragraph “19” to paragraph “14”). ¶ 10. Ms. Blanc disputed the debt. See id. at 3 ¶ 12. Her primary contention was that LVNV failed to prove it owned the debt. See id. at 3 ¶¶ 10, 11.2

On November 12, 2024, LVNV, represented by Messerli, filed suit against Ms.

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Roseline Pierre Blanc v. LVNV Funding LLC, A Foreign Limited Liability Company, and Messerli & Kramer, P.A., Counsel Stack Legal Research, https://law.counselstack.com/opinion/roseline-pierre-blanc-v-lvnv-funding-llc-a-foreign-limited-liability-mnd-2026.