Court Opinion

ID: 3173658
Source: CourtListenerOpinion
Date Created: 2016-01-29 22:01:04.816246+00
Date Added: 2024-06-11T12:03:15.688595
License: Public Domain

FILED
                             NOT FOR PUBLICATION                             JAN 29 2016

                                                                         MOLLY C. DWYER, CLERK
                      UNITED STATES COURT OF APPEALS                      U.S. COURT OF APPEALS

                              FOR THE NINTH CIRCUIT

JOSE ANTONIO JARA,                                No. 12-16060

                Plaintiff - Appellant,            D.C. No. 3:11-cv-00419-LB

 v.
                                                  MEMORANDUM*
AURORA LOAN SERVICES, LLC;
MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS, INC., a
Delaware corporation,

                Defendants - Appellees.

                     Appeal from the United States District Court
                        for the Northern District of California
                    Laurel D. Beeler, Magistrate Judge, Presiding**

                             Submitted January 20, 2016***

Before:         CANBY, TASHIMA, and NGUYEN, Circuit Judges.

          *
             This disposition is not appropriate for publication and is not precedent
except as provided by 9th Cir. R. 36-3.
          **
            The parties consented to proceed before a magistrate judge. See 28
U.S.C. § 636(c).
          ***
             The panel unanimously concludes this case is suitable for decision
without oral argument. See Fed. R. App. P. 34(a)(2).
      Jose Antonio Jara appeals pro se from the district court’s judgment

dismissing his action alleging foreclosure-related federal and state law claims. We

have jurisdiction under 28 U.S.C. § 1291. We review de novo a dismissal under

Federal Rule of Civil Procedure 12(b)(6). In re Mortg. Elec. Registration Sys.,

Inc., 754 F.3d 772, 780 (9th Cir. 2014). We affirm.

      The district court properly dismissed Jara’s Truth in Lending Act claim

because Jara failed to allege facts sufficient to show that Aurora Loan Services,

LLC (“Aurora”) was a “new owner or assignee of the debt.” 15 U.S.C.

§ 1641(g)(1).

      The district court properly dismissed Jara’s Fair Debt Collection Practices

Act claims because Aurora was not a debt collector under 15 U.S.C.

§ 1692a(6)(F)(iii) where it assumed servicing responsibilities to Jara’s loan prior to

any default. See De Dios v. Int’l Realty & Invs., 641 F.3d 1071, 1074-75 (9th Cir.

2011) (explaining that a defendant is exempt from the definition of “debt collector”

under § 1692a(6)(F)(iii) because it acquired the right to collect a debt before the

debt was in default).

      The district court properly dismissed Jara’s quiet title and cancellation of

instrument claims because Jara failed to allege facts sufficient to show tender in the

amount of his indebtedness or that the foreclosure sale was void. See Lueras v.

                                           2                                    12-16060
BAC Home Loans Servicing, LP, 163 Cal. Rptr. 3d 804, 835 (Ct. App. 2013) (“A

borrower may not . . . quiet title against a secured lender without first paying the

outstanding debt on which the mortgage or deed of trust is based.”); Karlsen v. Am.

Sav. & Loan Ass’n, 92 Cal. Rptr. 851, 854 (Ct. App. 1971) (“A valid and viable

tender of payment of the indebtedness owing is essential to an action to cancel a

voidable sale under a deed of trust.”).

       The district court properly dismissed Jara’s California’s Unfair Competition

Law and declaratory judgment claims because Jara’s conclusory allegations failed

to state a plausible claim. See Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (to

avoid dismissal, “a complaint must contain sufficient factual matter, accepted as

true, to state a claim to relief that is plausible on its face” (citation and internal

quotation marks omitted)).

       We do not address Jara’s claim that Aurora utilized fabricated mortgage

documents because this claim was not presented to the district court. See O’Guinn

v. Lovelock Corr. Ctr., 502 F.3d 1056, 1063 n.3 (9th Cir. 2007) (“Because these

arguments were not raised before the district court, they are waived.”).

       We treat Jara’s September 11, 2015 filing as a second request for a

temporary restraining order, and deny the request.

                                             3                                      12-16060
      Jara’s motion for an extension of time to file a motion for reconsideration,

filed on September 28, 2015, is denied.

      AFFIRMED.

                                          4                                   12-16060