## United States Court of App eals
F O R T H E E I G H T H C I R C U I T

__ __ __ __ __ _ No. 0 9- 36 25

__ __ __ __ __ _ Max D. Sieg el ; An ge la M. Si eg el , *
* App el la nt s, *
*
v. *
* App eal fro m

th e Uni te d S ta te s Deu ts ch e Ban k Nat io na l Tru st * Dis tri ctCo ur t fo r th e Co m pa ny; Mo rg an Sta nl ey

Dean * Dis tri ctof Ne br as ka

. W it te r Cap it al I, Inc ., Trus t 2 00 2- NC4 ; * Lit to n Lo an Serv ic in g LP; New Cen tu ry * [UNPUBLISHED] Mo rtg ag e Co rp .; S2 1- T9N-R 16 Pt. S 1 /2 * SE 1/ 4 P arce l 6 & 7 , Buf

fal o C ou nt y , * Neb ras ka (co m

m on ly kno wn as 34 25 W

. * 56 th Str eet , Kearn ey , Nebr as ka ), *
* App el le es

. *

__ __ __ __ __ _ Su bm it te d: Decem

be r 15 , 20 10 Fi le d: Feb ru ary 14 , 20 11

__ __ __ __ __ _ Befo re WOL LMAN, MURPHY, an d C OLLOTO N, Circ ui t J ud ge s.

__ __ __ __ __ _ PER CURI AM.

Max an d Ang el a Si eg el ap pe al fro m th e di st r i c t co ur t’s di sm is sa l of th ei r 1

co m pl ai nt al le gi ng vi ol at io ns of th e Neb ras ka Co ns um er Pro te ct io n Act, th e Trut h in

The Hon or ab le Jo se ph F. Bat ai ll on , Ch ie f Ju dg e, Uni te d St at es Dis tri ct Co ur t 1 fo r th e Dis tri ct of Ne br as ka

.Len di ng Act (TILA), 15 U.S.C. § 16 01 , th e Fai r Deb t Co ll ect io n Prac ti ces Act

(FDCP A), 15 U.S.C. § 16 92 , th e Fai r Cred it Rep or ti ng Act (FCR A), 15 U.S.C. § 16 81 , as wel l as an ci ll ary st at e co m m on -la w frau d a nd civ il co ns pi racy clai m s.

In 20 02 , th e Si eg el s si gn ed a 30 -y ear ad jus ta bl e rat e m or tg ag e no te wit h de fen da nt New Cen tu ry Mo rtg ag e Co rp or at io n an d si m ul ta ne ou sl y ex ecu te d a de ed of tru st to New Cen tu ry

as s ecu rit y

on th e n ot e. New Cen tu ry as si gn ed th e or ig in al de ed of tru st to de fen da nt Deu ts ch e Ban k as Trus te e fo r Mo rg an St an le y
. The Si eg el s st ru gg le d t o m eetth ei r m or tg ag e p ay m en ts an d i n l at e 2 00 5, d efen da nt Lit to n Lo an Serv ic in g be ga n fo recl os ur e pr oc eed in g s i n N eb ras ka st at e co ur t on be ha lf of Deu ts ch e Ban k. The S i e g e l s ch al le ng ed th e fo recl os ur e in st at e co ur t. The se pr oc eed in gs cu lm in at ed wit h a de ci si on fro m th e Neb ras ka Su pr em e Co ur t, Deu ts ch e Ban k Nati on al Trus t Co m pa ny v. Si eg el , 27 9 Neb

. 17 4, 77 7 N.W .2 d 2 5 9 (2 01 0) , co nf irming th e fo recl os ur e de cree an d s u b s e q u e nt jud ic ia l sa le

. The Si eg el s
co m m en ced th is fed eral act io n ag ai ns t th e ab ov e-n am ed de fen da nt s on Decem be r 1, 20 08

.
The di st ric t co ur t di sm is se d th e co m pl ai nt in it s en ti ret y
. It co nc lu de d th at th e Neb ras ka Co ns um er Pro te ct io n Act cla im an d th e TILA c la im ha d accrue d on Ju ne 11 , 20 02 , an d were th us ti m e-b ar r e d u n de r th e res pe ct iv e st at ut es of li m it at io n. It di sm is se d th e FDCPA c l ai m aft er de te rm in in g th at th e de fen da nt s co ul d no t be cl as si fie d as de bt co ll ect or s un de r th e st at ut or y sc he m e. It di sm is se d th e FCRA cl ai m
on th e gr ou nd th at th e un de rlyin g as se rti on s of fact di d no t su gg es t wro ng do i n g on th e pa rt of th e de fen da nt s and , in an y ev en t, were to o v ag ue to st at e a v ia bl e cl ai m

. Fi na ll y , it co nc lu de d th at th e Si eg el s ha d no t es tabl is he d th ei r st at e co mm o n - l a w frau d an d ci vi l co ns pi racy cl ai m s wit h su ffi ci en t pa rti cu la rit y , as req ui red un de r Ru le 9( b) of t he Fed eral Ru le s o f Ci vi l Pr oc ed ur e, an d d is m is se d t he m as we ll

.

Hav in g rev ie wed th e reco rd an d co ns id ered th e Si eg el s’ arg um en ts , we affi rm
on th e ba si s of th e an al y si s se t fo rth in th e di st ric t co ur t’s th or ou gh m em or an du m an d

or de r. See 8 th Cir . Rul e 4 7B

.

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