Thelma Roper v. Oliphant Financial, LLC

• Court: Court of Appeals for the Fourth Circuit
• Decided: July 23, 2025
• Docket: 24-1933
• Status: Unpublished

Opinion

USCA4 Appeal: 24-1933 Doc: 22 Filed: 07/23/2025 Pg: 1 of 4

UNPUBLISHED

UNITED STATES COURT OF APPEALS FOR THE FOURTH CIRCUIT

No. 24-1933

THELMA ROPER, individually and on behalf of all others similarly situated,

Plaintiff - Appellee,

v.

OLIPHANT FINANCIAL, LLC; STILLMAN P.C., d/b/a Stillman Law Office,

Defendants - Appellants.

Appeal from the United States District Court for the District of Maryland, at Greenbelt. Brendan A. Hurson, District Judge. (8:23-cv-02112-BAH)

Submitted: June 24, 2025 Decided: July 23, 2025

Before WILKINSON and BENJAMIN, Circuit Judges, and TRAXLER, Senior Circuit Judge.

Affirmed by unpublished per curiam opinion.

ON BRIEF: Eugene Xerxes Martin, IV, MARTIN GOLDEN LYONS WATTS MORGAN PLLC, Dallas, Texas, for Appellants. Peter A. Holland, Emanwel J. Turnbull, THE HOLLAND LAW FIRM, P.C., Annapolis, Maryland, for Appellee.

Unpublished opinions are not binding precedent in this circuit. USCA4 Appeal: 24-1933 Doc: 22 Filed: 07/23/2025 Pg: 2 of 4

PER CURIAM:

Oliphant Financial, LLC, and Stillman P.C. d/b/a The Stillman Law Office, appeal

the district court’s order denying their motion to compel arbitration of the underlying suit.

Thelma Roper sued Appellants in a purported class action complaint in the district court

for violation of federal and Maryland consumer protection laws for filing collection suits

in state court beyond the expiration of the statute of limitations. Roper had taken out a

personal loan from Oliphant’s predecessor-in-interest and defaulted on the loan; Oliphant

sued Roper in state court to collect on the debt, but the state court dismissed the action as

barred by the statute of limitations. Appellants sought to compel arbitration of the action

based on the arbitration provision in the loan agreement and the district court denied the

motion, finding that Appellants had waived their right to compel arbitration by filing the

collection action. We affirm.

This court “review[s] de novo a district court’s denial of a motion to compel

arbitration.” Muriithi v. Shuttle Exp., Inc., 712 F.3d 173, 178 (4th Cir. 2013). “[W]hether

a dispute is arbitrable presents primarily a question of contract interpretation, requiring that

[we] give effect to the parties’ intentions as expressed in their agreement.” Chorley Enters.,

Inc. v. Dickey’s Barbecue Rests., Inc., 807 F.3d 553, 563 (4th Cir. 2015) (internal quotation

marks omitted). “In determining the parties’ intent, [we] appl[y] ordinary state law

principles governing the formation of contracts.” Id.

To determine whether a party has waived the right to compel arbitration, a court

must determine whether the party seeking to compel (1) knew the right to compel existed,

and (2) acted inconsistently with the intention of enforcing the right to compel arbitration.

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See Morgan v. Sundance, Inc., 596 U.S. 411, 417-19 (2022). Under Maryland law, a party

acts inconsistently with the intent to compel arbitration when it litigates a case concerning

the same claims as those it wishes to arbitrate. See Cain v. Midland Funding, LLC, 156

A.2d 807, 816-17 (Md., 2017). A case concerns the same claims if all parts of the dispute

are “interrelated” and “actually part of one basic issue.” Id. at 817.

Appellants assert that the district court erred in denying their motion to compel

arbitration because some of Roper’s claims concern Oliphant’s actions prior to institution

of the collection suit and therefore would exist regardless of that litigation. We disagree.

Oliphant waived its right to compel arbitration of claims challenging its debt collection

practices by filing collection actions in state court. See Cain, 156 A.3d at 816-18. While

claims based on actions that predate a collection suit—claims that would exist regardless

of whether that suit was filed—might not be sufficiently related to the claims in a collection

suit to be exempted from an arbitration agreement based on waiver, see In Ford v. UGH I,

LLC, No. 22-cv-00840-LKG, 2023 WL 2185751, at *6-7 (D. Md. Feb. 23, 2023), Roper

asserted no such claims here. The complaint alleges that Oliphant sent letters to debtors

within the statute of limitations demanding payment of the loans in full, but then waited

more than three years―beyond the expiration of the statute of limitations―to sue. The

illegal actions complained of, therefore, do not constitute actions taken prior to the suit, but

the filing of the suit beyond the statute of limitations. And while the complaint alleged in

a general background section that Oliphant convinced some debtors to pay debts that were

outside of the statute of limitations, the class action claims are not based on those actions,

but rather include only debtors who Appellants sued outside of the statute of limitations.

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Therefore, the district court properly denied Appellants’ motion to compel arbitration

because they waived the right to do so.

Accordingly, we affirm the district court’s order. We dispense with oral argument

because the facts and legal contentions are adequately presented in the materials before this

court and argument would not aid the decisional process.

AFFIRMED