Watson v. Federal National Mortgage Association

CourtDistrict Court, D. Arizona
DecidedApril 17, 2020
Docket3:20-cv-08026
StatusUnknown

This text of Watson v. Federal National Mortgage Association (Watson v. Federal National Mortgage Association) is published on Counsel Stack Legal Research, covering District Court, D. Arizona primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Watson v. Federal National Mortgage Association, (D. Ariz. 2020).

Opinion

1 WO 2 3 4 5 6 IN THE UNITED STATES DISTRICT COURT 7 FOR THE DISTRICT OF ARIZONA

9 Doreene Watson, et al., No. CV-20-08026-PCT-JAT

10 Plaintiffs, ORDER

11 v.

12 Federal National Mortgage Association, et al., 13 Defendants. 14 15 Pending before the Court is Defendants Federal National Mortgage Association, 16 Bank of America, N.A., BAC Home Loans Servicing, LP (together, “BofA”), and 17 Recontrust Company’s (“Defendants”) Motion to Dismiss. (Doc. 9). Plaintiffs have 18 responded, (Doc. 12), and Defendants have replied, (Doc. 15). The Court now rules on the 19 motion. 20 I. BACKGROUND 21 This case arises out of a dispute over a mortgage on certain real property in Apache 22 County, Arizona (the “Property”). In December 2005, Plaintiffs1 obtained a $40,000 loan 23 using the Property as collateral (Doc. 1-3 at 2–3). The original lender later transferred the 24 loan to BofA. (Id. at 3). 25 Thereafter, Plaintiffs failed to make two monthly payments. (Id. at 3–4). When they 26 attempted to get current on their loan obligations, BofA apparently returned the payment 27 1 Plaintiffs in this case are Doreene Watson and the estate of her late husband, Roger 28 Watson. For ease of reference, and unless otherwise stated, the Court will use “Plaintiffs” to refer to the couple collectively, including for Roger Watson while he was still alive. 1 because “the amount had not been . . . full or correct.” (Id. at 4). In the ensuing months, 2 Plaintiffs tried to learn what the correct amount was, as well as pay what they thought they 3 owed, but their efforts met no success. (Id. at 4–5). Soon after Plaintiffs’ second 4 unsuccessful attempt to pay, Defendant Recontrust Company recorded a Notice of 5 Trustee’s Sale on the Property in the Apache County Recorder’s office, with a return 6 address for BofA. (Id. at 5). Plaintiffs maintain that, several months later, BofA finally 7 provided them with a reinstatement calculation that was only “good through” three days 8 from when Plaintiffs received it. (Id.). 9 Plaintiffs attempted to pay that amount at a local BofA branch, but BofA refused to 10 accept. (Id.). A BofA representative allegedly told Plaintiff Doreene Watson that she had 11 around one more month to pay without explaining that the “amount would . . . increase[] 12 significantly.” (Id. at 6). Plaintiffs waited until the date the representative gave them and 13 tendered the original reinstatement amount to BofA, but BofA declined it because the 14 reinstatement amount had risen since Plaintiffs’ last attempt to pay. (Id.). 15 A trustee’s sale took place soon after. (Id.). Plaintiffs and BofA, however, began 16 discussing a possible resolution of Plaintiffs’ default and the sale was rescinded. (Id. at 7– 17 8). Plaintiffs sought to modify their loan obligations but were never able to ascertain how 18 to do so. (Id. at 7–10). Despite ongoing negotiations, Defendants foreclosed on the 19 Property, allegedly without notice to Plaintiffs. (Id. at 10–11). 20 II. RES JUDICATA 21 Defendants argue that Plaintiffs’ claims must be precluded because Plaintiffs have 22 filed this identical complaint against the same defendants thrice before and, each time, the 23 case was either voluntarily or involuntarily dismissed. (Doc. 9 at 7). Plaintiffs argue in 24 response that, given the absence of discovery and a trial in prior proceedings, their claims 25 are not precluded. (Doc. 13 at 4). 26 A final judgment’s preclusive effect is governed by the doctrines of “claim 27 preclusion and issue preclusion, which are collectively referred to as ‘res judicata.’” Taylor 28 v. Sturgell, 553 U.S. 880, 892 (2008). When an earlier suit involving the same parties (or 1 their privies) reached a final judgment on the merits, claim preclusion forecloses successive 2 litigation of the same claim. Mpoyo v. Litton Electro-Optical Sys., 430 F.3d 985, 987 (9th 3 Cir. 2005). Preclusion doctrine, and claim preclusion in particular, serves to further private 4 litigants’ important interest in repose. Clements v. Airport Auth., 69 F.3d 321, 330 (9th Cir. 5 1995); 18 Charles Alan Wright & Edward H. Cooper, Federal Practice and Procedure § 6 4403 (Apr. 2020 Update) (“The deepest interests underlying the conclusive effect of prior 7 adjudication draw from the purpose to provide a means of finally ending private disputes. 8 The central role of adversary litigation in our society is to provide binding answers.”). 9 This is the fourth time that Plaintiffs have filed this identical complaint. Defendants 10 removed each prior case to this district and, each time, the case was dismissed. In the first 11 action, the Court dismissed the case without prejudice after Plaintiffs failed to serve 12 Defendants with summons under Federal Rule of Civil Procedure (“Rule”) 4(m). Order, 13 Watson v. Fed. Nat’l Mortg. Ass’n, No. 18-08095, (D. Ariz. July 10, 2018), ECF No. 9. In 14 the second case, Plaintiffs voluntarily dismissed their complaint. Order, Watson v. Fed. 15 Nat’l Mortg. Ass’n, No. 18-08237, (D. Ariz. Feb. 12, 2019), ECF No. 16. In the third action, 16 Plaintiffs failed to respond to Defendants’ Motion to Dismiss, which the Court deemed as 17 consent to the granting of the motion under this district’s local rules. Order, Watson v. Fed. 18 Nat’l Mortg, Ass’n, No. 19-08190, (D. Ariz. Aug. 6, 2019), ECF No. 11 (citing LRCiv. 19 7.2(i)). It is beyond dispute that these cases concerned the same parties litigating the same 20 claim, the question is whether there has been a “final judgment on the merits” that precludes 21 successive litigation of this claim. 22 The United States Supreme Court’s opinion in Semtek International Inc. v. 23 Lockheed Martin Corp., teaches that federal common law answers such questions. 531 U.S. 24 497, 508 (2001). When the judgment-entering federal court sits in diversity, federal 25 common law may incorporate the law of the state where that court sits. Id. But federal 26 common law does not incorporate state law where, as here, the judgment-entering court 27 rested its decision exclusively on federal procedural grounds. See Tuitama v. Bank of Am., 28 NA, 552 F. App’x 881, 883 (11th Cir. 2014) (dismissal based on failure to prosecute); see 1 also Vasquez v. Bridgestone/Firestone, Inc., 325 F.3d 665, 679 (5th Cir. 2003) (dismissal 2 based on forum non conveniens). Thus, the Court relies exclusively on federal preclusion 3 law to answer this question. 4 Defendants point to the third dismissal of this complaint, noting that because the 5 order did not “state[] otherwise” it is deemed to be an “adjudication on the merits” under 6 Rule 41(b). (Doc. 9 at 7). Semtek also teaches that Rule 41(b) is not always dispositive for 7 claim preclusion purposes. 531 U.S. at 503. “Without reliance on the text of Rule 41(b),” 8 federal law nevertheless “clearly dictates” that dismissals based on the kind of failure to 9 prosecute that Plaintiffs have repeatedly exhibited whenever this complaint has been 10 removed to federal court are entitled to claim-preclusive effect. See Tuitama, 552 F. App’x 11 at 884 (collecting cases); Owens v. Kaiser Found. Health Plan, Inc., 244 F.3d 708, 714 12 (9th Cir. 2001); TD Optical Design, Ltd. V. DAC Int’l, Inc., No. CV 17-8616-MWF 13 (PLAx), 2018 WL 6307897, at *5 (C.D. Cal. Mar. 30, 2018); Tuitama v. Nationstar Mortg. 14 LLC, No. CV 14-9956 MMM (AGRx), 2015 WL 12744269, at *8 (C.D. Cal. Apr. 13, 15 2015); Lee v. Arizona, No. CV 10-8135-PCT-JAT, 2011 WL 2580400, at *8 (D.

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Watson v. Federal National Mortgage Association, Counsel Stack Legal Research, https://law.counselstack.com/opinion/watson-v-federal-national-mortgage-association-azd-2020.