T hi s di s pos i t i on i s notappr opr i a t e f orpubl i c a t i on and i s notpr e c e de nt * e xc e pta s pr ovi de d by9th C i r . R . 36- 3. NOT F OR P UB L I CAT I ON UN I TE D STATE S C OU RT OF APPE ALS FOR T HE NI NTH CI RC UI T J O A N A . D E M A R E S T , a n I n d iv idu a l, P la in tif

f - A p p e lla n t, v. O C W E N L O A N S E R V I C I N G , L L C , a D el aw ar e L i m i t ed L i abi l i ty C om pany; et a l., D efen d an t s - A p p el l ees, a nd Q U I C K L O A N F U N D I N G , I N C ., a C a lif o rn iaC o rp o r a tio n ; e t a l., D efen d an t s. N o. 10- 56062 D . C . N o . 2 : 0 9 - c v - 0 1 6 8 7 - MMMSS ME MOR AN DU M *

A pp ea l fr om the U ni t ed S t at es D i stri ctC ou rt f o rth e C e n tr a l D is tr ic t o f C a lif o rn ia M a r ga r e tM . M orr ow , D i s tr i c tJudge , P r e s i di ng 

# FI LED SEP 21 2012 M OLLY C. DW Y ER, CLERK U . S. C O U R T OF APPE ALST he pa ne l una ni m ous l yc onc l ude s thi s c a s e i s s ui t abl e f orde c i s i on ** w ith o u t o r a l a r g u m e n t. See F ed. R . A pp . P . 34 (a )( 2). 10- 56062 2 S ubm i tt e d S e pt e m be r10, 2012 ** B efo re: W A R D L A W , C L IF T O N , an dN . R . S M IT H , C i rcu i tJu d g es. J oa n A . D e m a r e s tappe a l s pr o s e f r om the di s tr i c tc ourt ’ s s um m a ryj udgm e nt i n he ra c t i on a r i s i ng outof f or e c l os ur e pr oc e e di ngs . W e ha ve j ur i s di c t i on unde r28 U .S .C . § 1 2 9 1 . W e r e v ie w d e n o v o as u m m a ryju d g m e n t o r d e r . D o e v . A b b o tt L a b s. , 571 F . 3d 930, 933 ( 9th C i r . 2009) . W e r e vi e w f ora n abus e of

di s c r e t i on the ap p lic a tio n o f

ju d ic ia l e s to p p e l. H

am i l ton v . State Farm Fi r e & Cas . C o. , 270 F . 3d 7 7 8 , 7 8 2 ( 9 th Ci r . 2 0 0 1 ) . W e a f f i rm. T h e d is tr ic t c o u rt p r o p e r lyg r a n te ds u m m a ryju d g m e n t o n D e m a r e s t’s T ru th i n L en d i n g A ct(“ T IL A ”) cl ai m seek i n g resci ssi o n b ecau se D em arestfai l edt o rai se ag e n u in e d is p u te o f

m a te r ia l f

a c t th a t s h e c o u ldte n d e rth e p r o c e e d s o f th e lo a n in th e e v e n t th a t th e c o u rt g r a n te dh e rth is r e m e d y . Se e Ya m a m o to v . Ba n k o f N. Y. , 329 F . 3d 1167, 1171 ( 9th C i r . 2003) ( di s tr i c tc ourtha s the di s c r e t i on t o c ondi t i on re sc i ss i on un der T IL A on t ender by the bo rr ow er ) T h e d is tr ic t c o u rt d idn o t ab u s e its d is c r e tio n b yap p ly in g ju d ic ia l e s to p p e l to D e m a r e s t’s T I L A d a m a g e s c la im b e c au s e s h e a tte m p te dto p u r s u e th e c la im w ith o u t h a v in g d is c lo s e dit du r in g h e rb a n krup tc yp r o c e e d in g s . Se e H am i l ton , 27010- 56062 3 F . 3d a t784 ( “ Judi c i a l e s t oppe l w i l l be i m pos e d w he n the de bt orha s know l e dge of e nough f a c t s t o know tha tapot e nt i a l c aus e of a c t i on e xi s t s dur i ng the pe nde nc yof th e b a n k rup tc y , b u t f

a ils to a m e n dh is s c h e du le s o rd is c lo s u r e s ta te m e n ts to i dent i fythe cause of a ct i on as a c on t i ng entas se t . ” ( ci t at i on om i tt ed)) . T he di stri ctcourtdi d n oterr by f ai l i ng t o con si der D em ar es t ’ s c l ai m un der th e R e a l E s ta te S e ttle m e n t P r o c e du r e A c t b e c au s e D e m a r e s t d idn o t r a is e th is c la im u n til h e ro p p o s itio n to s u m m a ryju d g m e n t. Se e 3 8 9 O r a n g e S t. P a r tn e rs v . A rn o ld , 17 9 F . 3d 65 6, 66 5 (9th C i r. 19 99 ) ( no error f or re fusi ng t o con si der c l ai m s r ai se d for the fi rs tt i m e i n o pp osi t i on t o sum m ary j ud gm ent ). C on traryt o D em ar es t ’ s c on t ent i on s, she i s r es po nsi bl e f or the consequences o f h e ra tto rn e y s ’ a lle g e dn e g lig e n c e . Se e L i nk v . W abas h R . C o. , 370 U . S . 626, 6 3 3 - 3 4 ( 1 9 6 2 ) ( “P e titio n e rv o lu n ta r ilyc h o s e th is a tto rn e ya s h is r e p r e s e n ta tiv e in the a c t i on, a nd he c a nnotnow a voi d the c ons e que nc e s of the a c t s orom i s s i ons of thi s f re el y s el ec t ed agent . ”) . W e do notc ons i de rm a tt e r s nots pe c i f i c a l l yr a i s e d and a r gue d i n the ope ni ng b r ie f , o ra lle g a tio n s r a is e df

o rth e f ir s t tim e o n ap p e a l. Se e P adge t t v . W r i ght , 587 F . 3d 98 3, 98 5 n . 2 (9th C i r. 20 09 ) ( per c uri am ). AF F I RME D.