1 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLUMBIA

_________________________________________ : In re: : MARTHA A. AKERS, : Adversar y Proceeding No. 10

- 1 0006 Debtor. : : MARTHA A. AKERS, : : Appellant , : v. : Civil Action No. 11

- 674 ( JEB ) : WINDWARD CAPITAL COR PORATION , et al. , : : Appellees

. :

_________________________________________ :

MEMORANDUM OPINION In the la test of her many pro se actions, Appellant Martha Akers has filed a Notice of Appeal from adversary proceeding no. 10

- 10006 in the U.S. Bankruptcy Court for the District of Columbia . She specifically appeals the Bankruptc y Court’s decision s 1) granting summary judgment to Appellees Windward Capital Corporation and Mooring Financi al Corporation ; 2) dismissing her motion to reconsider rulings related to her motion to void the foreclosure sale; and 3) dismissing her motion to reconsider rulings relating to her motion for preliminary injunction. See Notice of Appeal at 1. Because none of her chal lenges passes muster, the Court will affir m the Bankruptcy Court and dismiss the case.
I. B ackground Appellant filed several complaints in th e adversary proceeding in the Bankruptcy Court , each of which is entitled “Amended Complaint .” See Adversary Proceeding No. 10

- 10006, ECF Nos. 1, 21, 22. Like all of her pleadings, none of these is easy to follow ; fortunately, they are all2 quite brief, none exceeding three pages

. The first one alleges that , apparently in connection with property she owned, Appellant “executed a Deed of Trust and Promissory Note in the amount of $63,750.00 with the Lender, Windward Capital Corporation, a subsidiary of Mooring Financial Corporation, who is the server [ sic ] of the loan. ” See ECF No. 1 at 1. She further alleges that on January 10, 2009, an electrical fire at an adjoining property damaged her property located on H St., N.E. See id. at 2. Appellees

– who are never alleged to be i nsurers

– were allegedly negligent in handling her damage claim and thereby breached their contract with her

. Id. Plaintiff’s subsequent “Amended Complaints ” recite the same allegations with even greater brevity. See ECF Nos. 21 & 22. The only claim in this adversary proceeding, therefore, is th at Appellees somehow breached a contract with Appellant by failing to pay for fire damages to her property. Although Appellees subsequently foreclosed on the property, s ee In re Akers , 2012 WL 5419318 (D.D.C. Nov. 7, 2012), such foreclosure is not the subject of her suit in this case. Appellees moved for summary judgment on this contract claim , but the Bankruptcy Court did not believe they had adequately addressed the points at issue

. See In re Akers , 445 B.R. 1, 3 (Bankr. D.D.C. 2011). The court thus permitted them to file a supplemental motion for summary judgment, which was ultimately successful. See id

. In a fairly lengthy opinion

– particularly when juxtaposed with the cursory Complaint

– Judge S. Martin Teel , Jr. g ranted summary judgment. He summarized his holding thus: Akers contends that the force

- placed insurance obtained by Mooring in accordance with the deed of trust was obtained for her benefit, and that Windward and Mooring had an obligation to mitigate Aker s' losses by more zealously pursuing the true value of the insurance claim for her benefit. Windward and Mooring, in turn, argue that the insurance was obtained for their benefit and their benefit alone, and that they owed no duties to Akers with respect t o the force

- placed insurance under which Akers was not a3 named insured. Although the court concludes that the policy was obtained for the mutual benefit of the lender and Akers, and that the Windward and Mooring did take on certain duties when they exercis ed their option to insure the property, the court also concludes that they did not breach those limited duties, and that the fact that the insurance was taken out for the mutual benefit of the parties does not entitle Akers to pursue policy

- related damages from Windward and Mooring. The court further concludes that Windward and Mooring had no affirmative duty to pursue and maximize recovery of the claim under the force

- placed insurance policy on Akers' behalf. Rather, if Akers was not satisfied with their h andling of the claim, her remedy, to the extent one exists, was limited to an independent right to seek recovery, as a possible third

- party beneficiary of the policy, against Proctor [the insurer]

.
Id. at 5.
II. Standard of Review On appeal from a Bankruptcy Court decision, see 28 U.S.C. § 158(a)(1) (conferring jurisdiction on federal district courts “to hear appeals . . . from final judgments, orders, and decrees” of bankruptcy judge s ), the district court “may affirm, modify, or reverse a b ankruptcy judge’s judgment, order, or decree or remand with instructions for further proceedings

. ” Fed. R. Bankr. P. 8013

. “ Findings of fact

. . . shall not be set aside unless clearly erroneous

. ” I d. Q uestions of law are reviewed de novo , see Advantage Healthplan, Inc. v. Potter , 391 B.R. 521, 537 (D.D.C. 2008) , as are decisions on summary judgment

. S ee In re Capitol Hill Group , 447 B.R. 387, 393 (D.D.C. 2011). The party seeking to reverse the Bankruptcy Court ’s findings bears the burden of proof, and she “must show that the court’s holding was clearly erroneous as to the assessment of the facts . . . and not simply that another conclusion could have been reac hed.” Advantage Healthplan , 391 B.R. at 537 (quoting In re Johnson , 236 B.R. 510, 518 (D.D.C. 1999) ) (internal quotation marks omitted) . “ [ A ] finding of fact is clearly erroneous when, although there is evidence to support it, the reviewing court on the entire evidence is left with the definite and firm4 conviction that a mistake has been committed.” Foskey v. Plus Properties, LLC , 437 B.R. 1, 9 (D.D.C. 2010) (citations and quotations marks omitted). In other words, the “ decision
must

. . . strike [the court] as wrong with the force of a five

- week

- old, unrefrigerated dead fish.” Parts & Elec. Motors, Inc. v. Sterling Elec., Inc. , 866 F.2d 22 8, 233 (7 th Cir. 1988).
III. Analysis In appealing the Bankruptcy Court ’s grant of summary judgment, Appellant raises several issues. S he initially characterizes her opening brief as a “Complaint for the Judicial Council of the District of Columbia Circuit ” regarding Judge Teel ’s “personal bias or prejudice

. ” Appellant Br. at ECF p. 4 . She also raised therein a number of odd claims about, e.g. , violations of the Sixth and Fifth Amendment s. Id. She then filed an “Amended Answer of Appellant. ”
See ECF No. 8. In this pleading, she set forth a “Statement of Issues Presented for Review.” Id.
at ECF p. 3. These , as best the Court can discern, are: 1) not permitting a jury trial ; 2) permitting supplemental briefing by Appellees; 3) foreclosing Appellant’s ability to seek damages from the insurer; 4) considering unsworn and unauthenticated documents; and 5) permitting foreclosure

. Id. at ECF pp. 3

- 5. The Court will address the m sequentially.

A. Jury Trial A ppellant contends that she “submitted a proper Complaint for a jury trial,” id. at ECF p. 5, yet the Bankruptcy Court “abused its discretion by not transferring the Jury trial demand

case . ” I d. at ECF p. 3. She claims that, notwithstanding its knowledge of the appellant’s “mental, financial and physical damages as well as being forced to rep resent herself with

e dification disadvantages,” the Bankruptcy C ourt “calculatedly denied [her] of the 7th

. . . and 5th Constitutional Rights and due process . . . without even one hearing for rebuttal on the accurateness of the competing inferences.” Id

. at ECF p. 5.5 Insofar as A ppellant argues that the resolution of her case on summary judgment deprives her of her Seventh Amendment right to a jury trial, see U.S. Const. am en d. VII (“In Suits at common law . . . the right of trial by jury shall be preserved . . . .”), she is mistaken. “The Seventh Amendment is not violated by proper entry of summary judgment , because such a ruling means that no triable issue exists to be submitted to a jury.” Shannon v. Graves , 257 F.3d 11 64, 1167 (10th Cir. 2001) (citing Fidelity & Deposit Co. v. United States, 187 U.S. 315, 319

- 20 (1902)); see Harris v. Interstate Brands Corp ., 348 F.3d 761, 762 (8th Cir. 2003) (“A grant of summary judgment does in itself not violate the Seventh Amendmen t.”); see also Manaia v. Potomac Elec. Power Co. , 268 F.2d 793, 799 (4th Cir. 1959) (rejecting Seventh Amendment argument with respect to grant of judgment notwithstanding the jury verdict, noting that parties “seem to recognize that no constitutional question arises when the court withdraws from the jury a case in which there is no issue of fact requiring the jury's determination”).

B. Permitting Supplemental Briefing A ppellant next argues that the Bankruptcy Court “advocated” for A ppellees, presumably by allowing them to supplement their motion for summary judgment. In A ppellant’s view, the grant of leave to supplement the motion amounted to the “creation” of an issue that neither she

nor A ppellees had raised. This is incorrect

. A fair reading of A ppellant’s complaint indicates that she believed herself entitled to damages for harm allegedly sustained as a result of the fire in the adjacent building and to the proce eds of any insurance claim. In other words, the complaint raised two issues: what duty, if any, did A ppellees owe her with regard to the force

- placed insurance policy, and, if any duty were owed , did A ppellees breach it? It was reasonable for the Bankruptcy Court to require the moving parties to brief these issues, and it was within its discretion to permit A ppellees to supplement the record. Cf. Lujan v. National Wildlife Fed’n ,6 497 U.S. 871, 894

- 98 (1990) ( discussing with approval district court’s rejection of supplemental affidavits as untimely and in violation of its briefing order) ; Hynes v. Squillace , 143 F.3d 653, 656 (2d Cir. 1998) (concluding that district court did not abuse its discretion in considering defendants’ supplemental evidence which had not been submitted to magistrate judge to whom matter had been referred for a report and recommendation). As part of this argument, A ppellant contends that the Bankruptcy Judge “ ha [d] a personal bias or prejudice , ” that his rulings were in some way intended for “coercion , ” or otherwise demonstrated a bias against her. Appellant’s Br . at ECF p. 4. Ordinarily, a judge shall disqualify himself “in any proceeding in which his impartiality might reasonably be questioned , ”
28 U.S.C. § 455(a) , or “[ w]here he has a personal bias or prejudice conce rning a party.” Id. § 455(b)(1). The standard for disqualification under Section 455 is an objective one: “ whether a reasonable and informed observer would question the judge’s impartiality. ” See In re Brooks , 383 F.3d 1036, 1043 (D.C. Cir. 2004) (citin g United States v. Microsoft Corp., 253 F.3d 34, 114 (D.C. Cir. 2001) ) (internal quotation marks omitted)

. There is a presumption against disqualification , and the moving party must demonstrate by clear and convincing evidence that disqualification is required by Section 455(a). Cobell v. Norton , 237 F. Supp. 2d 71, 78 (D.D.C. 2003). Plaintiff offers no evidence

– clear, convincing , or otherwise

– of judi cial bias or evidence showing that Judge Teel should have recused himself. Her objections pertain to the substance of his rulings, and a judge’s legal decisions generally are not sufficient grounds to

s ubstantiate a claim of bias

. See Liteky v. United States , 510 U.S. 540, 555 (1994); Cotton v. Washington Metro. Area Transit Auth ., 264 F. Supp. 2d 39, 42 (D.D.C. 2003) (denying motion for recusal where “ claim of bias is predicated entirely upon the [magistrate judge’s] rulings wi th7 respect to the conduct of discovery in the instant action, and rulings regarding discovery and other issues in three other actions filed by Plaintiffs’ counsel”).

C. Damages From Insurer

A ppellant also a sserts that “the [order on summary judgment] does not create a[n] option for the Appellant to pursue damages independently.” Am ended Br

. at ECF p. 3. The Court trusts this means that Appellant believes her ability to proceed ag ainst Proctor, the insurer, is foreclosed by the Bankruptcy Court ’s ruling. This is not so. Judge Teel clearly stated: “ [I]f Akers was not satisfied with [Appellees’] handling of the claim, her remedy, to the extent one exists, was limited to an independent right to seek recovery, as a possible third

- party beneficiary of the policy, against Proctor. ” 445 B.R. at 5. His ruling in no way precluded her right to enforce the force

- placed insurance policy , even though she had not been a named insured. See also id. at 9.

D. Unsworn/Unauthenticated Documents

A ppellant also contends that , in rendering its decision on summary judgment , the Bankruptcy Court relied on evidence presented by A ppellees “that [was] in large part inadmissible.” Amended Br. at ECF p. 4. She mentions “conflicting, unsworn and unauthenticated documents,” id. at ECF p. 3, but the Court is at a loss to determine which materials she deems o bjectionable

. The only one she mentions is “defendants version of insurance policy provisions [ sic ]

. ” I d. S he also refers to “Def.’s Mot. Exs .D1

- 10 [ sic ],” id. , but neither Appellees’ initial motion for summary judgment nor their supplemental one contained numbered exhibits , see No. 10

- 10006, ECF Nos. 74, 102

– they used letter designations

– so the Court does not know to which exhibits she refers.8 As to the “insurance policy provisions” she complains about, the Court can only conclude that this refers to insurance

- related provisions in the deed of trust, since no insurance policy was attached to Appellees’ Motions. The deed of trust, which appears as Exhibit B to their initial motion for summary judgment and to their supplemental motion , was indeed authenticated b y Liz Schalow in two sworn affidavit s . See ECF No. 74 (Motion for Summary Judgment), Exh. G (Affidavit of Liz Schalow), ¶ 2 (“A t rue and correct copy of said Deed of Trust is attached to the Motion as Exhibit B . . . .”) (underlining deleted) ; ECF No. 10 2 (S upplemental Motion), Attach. 7. Appellant is just plain wrong. Even if the Court were able to identify the challenged materials beyond the insurance policy , A ppellant would still not prevail. To the extent documents “conflict,” it is the Bankruptcy Court’s role to determine if a material dispute of fact exists. Judge Teel found none, and that determination is never challenged. As for “unsworn and unauthenticated documents,” Rule 56 of the Federal Rules of Civil Procedure, which are incorporated in the Bankruptcy Rules, s ee Fed. R. Bankr. P. 7056 , does not require such authentication. R ecent amendments to Rule 56 “eliminate[ ] the unequivocal requirement that documents submitted in support of a summary judgment motion must be authenticated.” Akers v. Beal Bank , 845 F. Supp. 2d 238, 243 (D.D.C. 2012) (cit ation omitted), aff’d , No. 12

- 7045, 2012 WL 4774676 (D.C. Cir. Oct. 2, 2012) ( per curiam ). As the advisory notes make clear, “The requirement that a sworn or certified copy of a paper referred to in an affidavit or declaration be attac h ed to the affidavit or declaration is omitted as unnecessary . . . .” Fed. R. Civ. P. 56(c) advisory committee’s note on 2010 Amendments. A ppellant’s authentication argument about unknown docume nts , therefore, is groundless

.9 To the extent Appellant is challenging any substantive component of Judge Teel’s decision regarding insurance and claims

– which she at no point actually does in any comprehensible way

– the Court ’s review has yielded no reason to believe that the Bankruptcy
Court ’s detailed and thorough opinion erred on the se i ssues .
E. Foreclosure
Appellant also appeals the Ban kruptcy Court’s decision not to address her foreclosure claim in conn ection with Appellees’ motion for summary judgment. As Judge Teel correctly explained, “ T he complaint and the amended complaint did not raise this claim. Indeed, this claim is based on events arising after the filing of the amended complaint, and, accord ingly, could only be asserted via a supplemental complaint.” 445 B.R. at 9. In any event, he added that she “remains free to pursue, outside of this adversary proceeding, the issue of whether the foreclosure sale was void for lack of proper notice.” Id. As the claim was not a part of her suit, it surely was not error for the Bankruptcy Court not to address it.

F. Preliminary Injunction
Plaintiff’s Notice of Appeal also mentions that she is appealing the dismissal of her motion to reconsider rulings relating to her motion for preliminary injunction

. See Notice of Appeal at 1. T his Court in a previous decision several weeks ago has already affirmed the Bankruptcy Court on th is issue. See In re Akers , 2012 WL 5419318 (D.D.C. Nov. 7, 2012).10 I V . Conclusion The Court , therefore, will affirm the decisions of the Bankruptcy Court, and this case will be dismissed. An Order accompanies this Memorandum Opinion. **/s/ James E. Boasberg** JAMES E. BOASBERG
Date: November 30, 2012