Source: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-caed-1_09-cv-00250/USCOURTS-caed-1_09-cv-00250-5/pdf.json

Nature of Suit Code: 371
Nature of Suit: Truth in Lending
Cause of Action: 15:1601 Truth in Lending

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OFRA PLEBAN, California Bar No. 184770

MICHAEL J. KANZ, California Bar No. 81005

CENTRAL CALIFORNIA LEGAL SERVICES, INC.

1401 Fulton Street, Suite 700

Fresno, Calif. 93721

Telephone: (559) 570-1260 

Facsimile: (559) 570-1254

Email: michael@centralcallegal.org

opleban@centralcallegal.org

Attorneys for Plaintiff MAGDALENA RIOS 

UNITED STATES DISTRICT COURT

EASTERN DISTRICT OF CALIFORNIA

RIOS, MAGDALENA, ) Case No. 1:09-cv-00250-AWI-SMS

 )

Plaintiff, ) STIPULATION FOR ORDER

 ) AND ORDER REMANDING

v. ) CASE TO STATE COURT

 ) 

CITIBANK, N.A, AS TRUSTEE FOR THE ) [28 USC § 1447 (c)]

CERTIFICATEHOLDERS CWABS, INC., )

ASSET-BACKED CERTIFICATES, SERIES )

2006-QH2, RECONTRUST COMPANY; ALLIANCE )

TITLE COMPANY, INC.; COUNTRYWIDE HOME ) 

LOANS, INC.; AT HOME CAPITAL; HARVEST )

FINANCIAL AND REAL ESTATE, INC., DAVID )

CASTILLO, AND DOES 1-12, )

 )

Defendants. )

____________________________________________ )

Plaintiff, MAGDALENA RIOS, and Defendant DAVID CASTILLO, hereby stipulate as

follows: 

1. On or about January 5, 2009, Plaintiff filed civil action number 09CECG00009 in Superior

Court of the State of California for the County of Fresno entitled “Magdalena Rios v. Citibank,

N.A., as Trustee for the Certificate Holders CWABS, Inc., Asset-Backed Certificates, Series

2006-QH2, Reconstruct Company, Alliance Title Company, Inc., Countrywide Home Loans,

Inc., At Home Capital, Harvest Capital, Harvest Financial and Real Estate, Inc., David

Castillo, Harlinda Richards and Does 1-50” (the “Action”).

2. Plaintiff alleged causes of action for predatory lending, constructive fraud, intentional

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misrepresentation, negligence, breach of fiduciary duty, conversion, conspiracy, rescission,

common counts, negligent misrepresentation, negligence per se, injunctive relief, and violations

of TILA, Section 17200 and 17500 of the Business and Professions Code, and Civil Code

Section 1632.

3. On or about February 5, 2009, defendant David Castillo filed his answer. 

4. On or about February 9, 2009, defendants Citibank, N.A, as Trustee for the certificate holders

CWABS, Inc, Asset-Backed Certificates, Series 2006-QH2; Recontrust Company; Countrywide

Home Loans, Inc, and; Arlynda Richards, filed their Notice of Removal of Action Pursuant to

28 U.S.C. § 1441(b) (Federal Question), and on February 9, 2009, the case was removed to the

United States District Court for the Eastern District of California Case No. 1:09-cv-00250-AWISMS. 

5. On or about March 6, 2009, Plaintiff entered the default of Defendant Harvest Financial and

Real Estate, Inc.

6. Plaintiff was not able to serve the complaint on defendants At Home Capital, and Alliance

Title Company.

7. On or about August 27, 2009, pursuant to the terms of a Settlement Agreement and Release,

Defendants Citibank, N.A., as Trustee for the Certificate Holders CWABS, Inc., Asset-Backed

Certificates, Series 2006-QH2, Reconstruct Company, Countrywide Home Loans, Inc. (“CHL”),

and Arlynda Richards were dismissed from the action.

8. The Truth in Lending Act, 15 U.S.C. § 1601 et seq. and Federal Reserve Regulation Z, 12

C.F.R. § 226 et seq., can properly be alleged only as against the creditors. Cetto v. LaSalle

Bank Nat'l Ass'n, 518 F.3d 263, 2008 U.S. App. LEXIS 4406 (4th Cir., February 29, 2008,

Decided). See also, Robey-Harcourt v. Bencorp Fin. Co. 326 F.3d 1140 (2003) (holding that

brokers do not meet the definition of creditor under Regulation Z or TILA, and as such,

summary judgment in favor of defendant was appropriate as they were not the party that

extended the credit); Vallies v. Sky Bank 432 F.3d 493, 495 (3d Cir. 2005) (“the creditor, and

the creditor alone, is required to disclose . . . required information” [under TILA.])

9. At all times relevant to this action, defendant David Castillo was an agent of the loan broker,

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Harvest Financial and Real Estate, and was not a creditor. Thus, Mr. Castillo is not a proper

defendant under the first cause action for violations of TILA and Regulation Z, the only federal

cause of action in this action. 

10. Thus, with the dismissal of Defendants Citibank, N.A., as Trustee for the Certificate Holders

CWABS, Inc., Asset-Backed Certificates, Series 2006-QH2, Reconstruct Company,

Countrywide Home Loans, Inc. (“CHL”), and Arlynda Richards were dismissed from the action,

the Complaint no longer asserts a federal claim against the remaining defendants who appeared

in the action. 

11. Plaintiff, MAGDALENA RIOS, and Defendant, DAVID CASTILLO, stipulate and request

that this court order the matter remanded to the state court from which it was removed for

further proceedings. 

Respectfully submitted,

DATED: January 25, 2010. MAGDELENA RIOS /S/

_________________________________

MAGDELENA RIOS, Plaintiff 

DATED: January 25, 2010. OFRA PLEBAN /S/

__________________________________

OFRA PLEBAN Attorney for Plaintiff,

MAGDALENA RIOS

DATED: January 25, 2010. DAVID CASTILLO /S/

__________________________________

DAVID CASTILLO, In Pro Per. 

ORDER

IT IS SO ORDERED.

Dated: January 30, 2010 /s/ Anthony W. Ishii 

0m8i78 CHIEF UNITED STATES DISTRICT JUDGE

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