Opinion ID: 216178
Heading Depth: 1
Heading Rank: 1

Heading: facts

Text: This action arises from a home mortgage issued by defendant Countrywide Financial Corp. and maintained by its affiliates, co-defendants Countrywide Home Loans, Inc., Countrywide Home Loans, Inc., LP, and Countrywide Home Loans Servicing LP (collectively, “Countrywide” or “defendants”). Through prior litigation, the parties reached a settlement agreement whereby the loan was to be paid off at a fixed rate. Gorham-DiMaggio then defaulted on the loan in the spring of 2007 as part of a series of events giving rise to this litigation. After making several attempts to contact defendants directly to resolve the default, in January 2008, plaintiff—who is legally blind—commenced the instant action raising claims pursuant to the Fair Housing Act (“FHA”), 42 U.S.C. §§ 3601-19, Equal Credit Opportunity Act (“ECOA”), 15 U.S.C. § 1691f, and Real Estate Settlement Procedures Act (“RESPA”), 12 U.S.C. §§ 2601-17, as well as New York State law. 2 On December 17, 2008, the district court (Lawrence E. Kahn, J.), granted defendants’ motion to dismiss the complaint with respect to all but one of Gorham-DiMaggio’s claims. GorhamDiMaggio then sought leave to file a second amended complaint which was denied. Discovery ensued and the parties cross-moved for summary judgment on the sole remaining claim—a RESPA claim alleging that defendants had failed to adequately acknowledge and reply to a “qualified written request” for relief or information (“QWR”) in accordance with statutory requirements—and, on March 8, 2010, the district court granted summary judgment for defendants and entered judgment in their favor. This appeal ensued.