Sutter v. Global Equity Finance Inc

CourtDistrict Court, E.D. Washington
DecidedJune 7, 2023
Docket2:22-cv-00105
StatusUnknown

This text of Sutter v. Global Equity Finance Inc (Sutter v. Global Equity Finance Inc) is published on Counsel Stack Legal Research, covering District Court, E.D. Washington primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Sutter v. Global Equity Finance Inc, (E.D. Wash. 2023).

Opinion

1 U.S. F DIL ISE TD R I IN C TT H CE O URT EASTERN DISTRICT OF WASHINGTON Jun 07, 2023 2 SEAN F. MCAVOY, CLERK 3 4 5 UNITED STATES DISTRICT COURT 6 EASTERN DISTRICT OF WASHINGTON 7 JONATHAN A. SUTTER, an individual, No. 2:22-cv-00105-MKD 8 Plaintiff, ORDER DENYING PLAINTIFF’S 9 MOTION FOR PARTIAL v. SUMMARY JUDGMENT 10 GLOBAL EQUITY FINANCE, INC., ECF No. 25 11 a foreign corporation, and ROY KOLDARO, an individual. 12 Defendants. 13

14 Before the Court is Plaintiff Jonathan Sutter’s Motion for Partial Summary 15 Judgment. ECF No. 25. On June 6, 2023, the Court conducted a hearing on the 16 motion. ECF No. 42. Michael Brandenberg and Adam Chambers appeared on 17 behalf of Sutter. David Ebel appeared on behalf of Defendants Global Equity 18 Finance, Inc. (“Global”) and Roy Koldaro. 19 Sutter brings six claims against Defendants: Violation of the Consumer 20 Loan Act (“CLA”), Violation of the Mortgage Broker Practices Act, Unauthorized 1 Practice of Law, Violation of the Consumer Protection Act (“CPA”), Bad Faith, 2 and Negligence. ECF No. 1-1. Sutter seeks partial summary judgment on his CPA

3 claim. ECF No. 25. Koldaro and Global oppose the motion and request additional 4 discovery pursuant to Fed. R. Civ. P. 56(d)(1). 5 The Court, having reviewed the record and having heard from the parties, is

6 fully informed. For the reasons discussed below, Sutter’s Motion for Partial 7 Summary Judgement, ECF No. 25, is DENIED. 8 BACKGROUND 9 The following facts are undisputed unless otherwise noted.1 Sutter obtained

10 a loan to purchase his home located on North 5th Street, Cheney, Washington (“5th 11 Street Residence”). ECF No. 26 at 1 ¶ 1; ECF No. 27 at 2 ¶ 3. Sutter is a member 12 of the National Guard and obtained the loan through the Department of Veteran’s

13 14

1 Sutter filed a Statement of Undisputed Facts, ECF No. 26, Defendants filed a 15 Statement of Disputed Material Facts, ECF No. 34, and Sutter filed a Reply 16 Statement of Material Facts Not in Dispute. ECF No. 36. The parties did not file a 17 Joint Statement of Uncontroverted Facts as set forth in the Jury Trial Scheduling 18 Order, ECF No. 22 at 8. The Court considered facts undisputed if admitted or not 19 controverted by the procedures in LCivR 56(c) and Fed. R. Civ. P. 56(c). 20 1 Affairs (“VA”) Home Loan Guaranty Program. ECF No. 26 at 2 ¶ 1. Sutter 2 purchased the manufactured home on May 24, 2010. ECF No. 26 at 1 ¶ 1.

3 In January 2018, Sutter contacted Roy Koldaro, an employee of Global, for 4 assistance related to his mortgage. ECF No. 26 at 2 ¶ 2; ECF No. 27 at 2 ¶ 4. 5 Global is licensed through the Washington Department of Financial Institutions

6 (“DFI”) to conduct business as a consumer loan company, and Koldaro is licensed 7 as a mortgage loan originator. ECF No. 1-1 at 6 ¶ 8-9; ECF No. 20 at 3 ¶ 9-10. In 8 February 2018, Koldaro assisted Sutter to refinance Sutter’s mortgage, creating a 9 new loan also guaranteed through the VA Home Loan Guarantee Program. ECF

10 No. 20 at 3 ¶ 12; ECF No. 26 at 2 ¶ 3; ECF No. 27 at 2 ¶ 5. 11 In June 2019, Christine Ribble, Sutter’s neighbor, expressed interest in 12 purchasing the 5th Street Residence. ECF No. 26 at 2 ¶ 4; ECF No. 27 at 2 ¶ 5.

13 On July 23, 2019, Ribble contacted Koldaro seeking information regarding Sutter’s 14 loan. ECF No. 1-1 at 7 ¶ 13; ECF No. 20 ¶ 13. Ribble sent the following: 15 Mr. Koldaro, I am a neighbor of Mr. Sutter and we are trying to see if I can either assume his loan or take it over. 16 . . . I am trying to buy his lot so I can, in the future expand my lot. But getting a loan for a mobile home is next to 17 impossible so I was trying to do it another way. . . . .

18 ECF No. 28-2 at 2. Sutter was also communicating with Koldaro about his 19 mortgage at this time. ECF No. 26 at 2 ¶¶ 6-7; ECF No. 34 at 2-3 ¶¶ 2-3; ECF No. 20 36 at 2 ¶ 2. Sutter and Koldaro communicated about transferring title of Sutter’s 1 property. ECF No. 26 at 3 ¶ 8; ECF No. 32 at 3-4 ¶¶ 7-8, 13, 11; ECF No. 34 at 2- 2 3 ¶ 3.

3 On August 30, 2019, Sutter executed a warranty deed to transfer title of the 4 5th Street Residence to Ribble. ECF No. 26 at 3 ¶¶ 8-9. Koldaro provided the 5 template for the deed. ECF No. 26 at 3 ¶ 8-9.

6 On October 4, 2019, Ribble emailed Koldaro to explain that when the deed 7 was filed, she did not assume Sutter’s mortgage as she had expected. ECF No. 28- 8 3 at 3-4. Ribble accused Koldaro of advising her that the deed transfer would 9 result in the mortgage assumption, and instead, Ribble and Sutter are stuck in a

10 scenario where Ribble has the title of the house and Sutter still has a mortgage. 11 ECF No. 28-3 at 2-4. Sutter remained liable on his mortgage until December 13, 12 2021. ECF No. 32 at 6 ¶ 23; ECF No. 36 at 4 ¶ 7.

13 Sutter reports that he is unable to procure a mortgage to purchase a 14 home and has purchased a shed to store his belongings. ECF No. 26 at 4-5 15 ¶¶ 15, 18, 22; ECF No. 27 at 3-4 ¶¶ 15, 16, 19; ECF No. 34 at 5-9 ¶¶ 8, 12, 16 15.

17 On January 4, 2021, Sutter filed a complaint against Global and Koldaro 18 with the DFI. ECF No. 26 at 5 ¶ 19. On May 27, 2021, DFI issued a closure letter 19 with its findings. ECF No. 26 at 5 ¶ 20; ECF No. 27-2 at 2-6; ECF No. 34 at 8 ¶

20 13. The DFI letter stated “[b]ased upon the available evidence, the Department 1 determined that [Global and Koldaro] likely violated the [Consumer Loan Act] by 2 engaging in practices that were deceptive and unfair.” ECF No. 27-5 at 2.

3 On April 7, 2022, Sutter filed his Complaint in the Spokane County Superior 4 Court. See ECF No. 1-1. On May 10, 2022, Defendants removed the case to this 5 Court. ECF No. 1 at 1-2. Sutter sought remand, see ECF No. 4, which this Court

6 denied, see ECF No. 16. Now, Sutter seeks summary judgment on his CPA claim. 7 See ECF No. 25. 8 LEGAL STANDARD 9 A district court must grant summary judgment “if the movant shows that

10 there is no genuine dispute as to any material fact and the movant is entitled to 11 judgment as a matter of law.” Fed. R. Civ. P. 56(a); see Celotex Corp. v. Catrett, 12 477 U.S. 317, 322-23(1986); Barnes v. Chase Home Fin., LLC, 934 F.3d 901, 906

13 (9th Cir. 2019). “A fact is ‘material’ only if it might affect the outcome of the 14 case, and a dispute is ‘genuine’ only if a reasonable trier of fact could resolve the 15 issue in the non-movant's favor.” Fresno Motors, LLC v. Mercedes Benz USA, 16 LLC, 771 F.3d 1119, 1125 (9th Cir. 2014) (quoting Anderson v. Liberty Lobby,

17 Inc., 477 U.S. 242, 248 (1986)). A party may move for summary judgment on part 18 of a claim or defense. Fed. R. Civ. P. 56(a); Corp. of Gonzaga Univ. v. Pendleton 19 Enters., LLC, 55 F. Supp. 3d 1319, 1321 (E.D. Wa. 2014).

20 1 The moving party bears the initial burden of informing the district court of 2 the basis for his motion and identifying the portions of the record that demonstrate

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Sutter v. Global Equity Finance Inc, Counsel Stack Legal Research, https://law.counselstack.com/opinion/sutter-v-global-equity-finance-inc-waed-2023.