Carol Masterson Appeal Reply Brief

Appellate Case: 19-4146 Document: 010110298190 Date Filed: 01/31/2020 Page: 1
A N . 19-04146
IN HE NI ED S A ES CO R OF APPEALS
FOR HE EN H CIRC I
CAROL MASTERSON,
P -A ,
.
NATIONSTAR MORTGAGE LLC, e al.,
D -A .
APPELLEES' OPENING BRIEF

ORAL ARG MEN IS NO REQ ES ED
O A eal f he U i ed S a e Di ic C
f he Di ic f U ah, Ce al Di i i
H able R be J. Shelb , Ca e N .: 2:18-c -00196-RJS
R be H. Sc
AKERMAN LLP
170 S h Mai S ee , S i e 725
Sal Lake Ci , U ah 84101
(801) 907-6900
E ail: be . c @ake a .c
A A N
M LLC / / M . C ,
D B T C
T R A
L ,I .M A -B
P -T C ,S
2007-QH1, M E
R S ,I .
51816079;1
CER IFICA E OF IN ERES ED PAR IES
The f ll i g a ie i hi a eal ha e ei ee i a ela i hi
i h he li iga i he c e f he li iga i :
1. Na i a M gage LLC (N ) i a Dela a e Li i ed Liabili
C a .
2. Na i a i a i di ec , h ll - ed b idia fa blicl - aded
c a ,M .C e G I c. (f el k a WMIH C .) (M . C ),
a Dela a e c ai .
3. Na i a i di ec l ed b e i ie : (1) Na i a S b1 LLC
(S 1) (99%) a d (2) Na i a S b2 LLC (S 2) (1%). B h S b1 a d S b2 a e
Dela a e li i ed liabili c a ie . S b1 a d S b2 a e b h 100% ed b
Na i a M gage H ldi g I c. (NSM H ). NSM H ldi g i a h ll -
ed b idia fM .C e.
4. M e ha 10% f he ck f M . C e i ed b KKR Wa d
I e C a i , a Ca a I la d c ai .
5. De che Ba k Na i al T C a i a h ll ed b idia
f De che Ba k H ldi g , I c., hich i a h ll ed b idia f De che
Ba k T C ai , hich i a h ll ed b idia f DB USA
C ai , hich i a h ll ed b idia f De che Ba k AG, a blicl
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held ba ki g c ai ga i ed de he la f he Fede al Re blic f
Ge a .
6. N blicl held c a 10% e f De che Ba k AG
ck.
7. M gage Elec ic Regi ai S e , I c. (MERS) i a h ll -
ed b idia f MERSCORP H ldi g , I c.
8. MERSCORP H ldi g , I c. i ed b ICE M gage Se ice , LLC.
9. ICE M gage Se ice , LLC i ed b I e c i e al E cha ge,
I c., a blicl -held c ai .
ii
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ABLE OF CON EN S
Page
CERTIFICATE OF INTERESTED PARTIES ......................................................... i
STATEMENT OF RELATED CASES .....................................................................1
JURISDICTIONAL STATEMENT ..........................................................................1
STATEMENT OF THE ISSUES...............................................................................2
STATEMENT OF THE CASE ..................................................................................2
RELEVANT FACTS AND PROCEDURAL HISTORY .........................................3
STANDARD OF REVIEW .......................................................................................8
SUMMARY OF THE ARGUMENT ........................................................................8
ARGUMENT ...........................................................................................................10
I. THE DISTRICT COURT PROPERLY GRANTED APPELLEES

SUMMARY JUDGMENT. ...........................................................................10
A. The di ic c el f d a ellee i hd e a
e ial ad i i . ...........................................................................10
B. The di ic c el f d he deed f i alid a d

M .C e i e i led e f ce i igh . ........................................13
C. Thi c h ld c ide M . Ma e ' i e e e ed

hich he failed e e e f e ie b ief a eal. ................16
CONCLUSION ........................................................................................................17
CERTIFICATE OF SERVICE ................................................................................19
CERTIFICATE OF COMPLIANCE .......................................................................20
CERTIFICATE OF DIGITAL SUBMISSION .......................................................21
ATTACHMENT 1 Magi a e' Re a d Rec e da i

Filed A g 14, 2019 22
iii
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ATTACHMENT 2 Di ic C ' O de O e li g Objec i

a d Di i i g Ca e Wi h P ej dice
Filed Se e be 30, 2019 32
ATTACHMENT 3 J dg e Filed Se e be 30, 2019 41
i
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ABLE OF A HORI IES
P ()
A L &L C . .U P . R. C .,
820 F.2d 338 (10 h Ci . 1987) ............................................................................15
B .U S
820 F.2d 1117 (10 h Ci . 1987) ..............................................................10, 11, 12
B .M E .R S ., I .,
706 F.3d 1231 (10 h Ci . 2013) ..........................................................................14
C P A , LLC . M .E .R S ,
I .,
263 P.3d 397 (U ah C . A . J l 14, 2011), . , 268 P.3d 192
(U ah 2011) ......................................................................................................... 14
U S .M C ,
235 F.3d 1211 (10 h Ci . 2000) ..........................................................................15
M .R T C . NA,
373 P.3d 189 (U ah 2016) ...................................................................................14
P .W &A ., I .,
N . 16-CV-02695-RBJ-KMT, 2017 WL 5593287 (D. C l . N . 21,
2017) ...................................................................................................................11
R-G D ,L . .F C H C , I .,
789 F.2d 1469 (10 h Ci . 1986) ............................................................................ 7
R .U C .,
409 F.3d 1243 (10 h Ci . 2005) ..........................................................................10
S .B ,
N . 15-CV-00564-RBJ, 2016 WL 614473 (D. C l . Feb. 16, 2016) ................11
S .I .C . H .C I . C ., I ., N . CIV.04 1246
2006 WL 4109678, a *8 (D.N.M. J l 27, 2006) .............................................11
51816079;1
T -C ' ,I . .C ' ,
104 F.3d 1229 (10 h Ci . 1997) ..........................................................................15
T .M ,
909 F.2d 408 (10 h Ci . 1990) .............................................................................. 7
28 U.S.C. 1291 .........................................................................................................i
28 U.S.C. 1332 .........................................................................................................i
U ah C de 57 1 35 .............................................................................................. 14
U ah C de 57 4a 4(1) ..........................................................................................14
Fed. R. A . P. 32(a)(5) ...........................................................................................19
Fed. R. A . P. 32(a)(6) ...........................................................................................19
Fed. R. A . P. 32(a)(7) ...........................................................................................19
Fed. R. Ci . P. 60 ....................................................................................................... 6
R le 16(e) ................................................................................................................. 10
R le 36(b).............................................................................................................8, 10
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S A EMEN OF RELA ED CASES
N e.
J RISDIC IONAL S A EMEN
The di ic c had j i dic i de 28 U.S.C. 1332 beca e he e i
c le e di e i be ee he a ie , a d he a i c e e ceed
$75,000. A ella Ca l Ma e i a U ah ci i e , Na i a M gage LLC
d/b/a M . C e (M . C ) i a Dela a e ci i e , De che Ba k T
C a a T ee f he Re ide ial Acc edi L a , I c. M gage A e -
Backed Pa -Th gh Ce ifica e , Se ie 2007-QH1 (D B ) i a Ne
Y k ci i e , a d M gage Elec ic Regi ai S e , I c. (MERS) i a
Vi gi ia ci i e .
Thi c ha j i dic i de 28 U.S.C. 1291. The di ic c e e ed
a fi al j dg e i a ellee ' fa Se e be 30, 2019. (R. V l. II, 178.) M .
Ma e iced he a eal Oc be 17, 2019. (I . a 179-82.)
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S A EMEN OF HE ISS ES
1. Whe he he di ic c e l g a ed a j dg e M .
Ma e ' clai , fi di g he deed f i alid a d M . C e i e i led
e f ce i a he h lde f he e i ec e .
2. Whe he he di ic c el c ed a ellee ' i f
a j dg e a a i i hd a a ible ad i i , he e
a ellee ' c el i cl ded a ae e a ellee e e ecei ed M .
Ma e ' di c e e e .
3. Whe he M . Ma e failed e e e he c i i al a d l a
i e ac a g e f a eal b faili g ai e he bel a df he faili g
b ief he i e bef e hi a ella e c .
S A EMEN OF HE CASE
M . Ma e ' a e ded c lai alleged M . C e i e i led
e f ce he $1.4 illi i e he e ec ed a d he deed f ec i g
i , ba ed a ed lack f ec ded deed f a ig e . (R. V l. I, 149-
61, 52-102.) Th e alleged i eg la i ie a e i ele a beca e M . C e h ld
he igi al e, i d ed i bla k, (I . a 291 a 3-4; 292-99) a d i e i led
e f ce he e de U ah la , a he di ic c c ec l f d. (S R. V l. II,
149-51; 170.)
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M . Ma e ' c lai al alleged clai f TILA i la i ,
acc i g, b each f c ac , RESPA i la i , eglige i e e e ai ,a d
i e i al i flic i fe i al di e . (R. V l. I, 161-64.) The di ic c
c ec l f d he e clai be ei he i e-ba ed lacked e i . (R. V l. II,
151-54; 170.)
M . Ma e ' a j dg e i a al ba ed a allega i
ha a ellee failed e d di c e e e he edl e ed, he
e e f ad i i e e dee ed ad i ed b eai f la . (R. V l. I, 421-
26.) A ellee e e ecei ed he di c e e e . (R. V l. II, 25-27.) The
di ic c c ed a ellee ' ii M . Ma e ' a j dg e
i , ed b a ellee ' c el' ae e ha he e e ecei ed
he e e ,a a i i hd a he ad i i ,e e a i g M . Ma e
had e ed he . (I . a 172-77.) The di ic c g a ed a j dg e
a ellee all f M . Ma e ' clai . (I . a 169-77; 178.) M . Ma e
i el a ealed. (I . a 179-82.)
RELE AN FAC S AND PROCED RAL HIS OR
M . Ma e b ed $1,402,000 fi a ce e hi f eal e
l ca ed a 2595 A e S i g D i e i Pa k Ci , U ah i Dece be 2006. (R.
V l. I, 168-93; 292-99.)
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The deed f ide ifie MERS a be eficia . "MERS i he be eficia
de hi Sec i I e ." (I . a 169, E.) M . C e h ld he igi al
e hich i i d ed i bla k. (I . a 291, 3-4; 292-99.)
M . Ma e defa l ed he l a a d a ice f defa l a ec ded i
he S i C Rec de ' ffice Ja a 20, 2010 a e . 00890598.
(I . a 300-02.) A ice f e ci i f he ice f defa l a ec ded Feb a
10, 2010 a e . 00891806. (I . a 303-04.)
L a e ici g a fe ed M .C e effec i e J l 1, 2012. M . C e
e a le e i f i g M . Ma e f he cha ge J l 15, 2012. (I . a 305-
07.) M . Ma e filed he igi al c lai ab Ma ch 2, 2018, allegi g
he deed f i i alid a d ai i g clai f TILA a d RESPA i la i ,
acc i g, eglige i e e e ai , a d i e i al i flic i f e i al
di e . (I . a 7-34.)
O A il 20, 2018, a ellee ed di i . (I . a 92-101.) O Ma 11,
2018, M . Ma e filed a a e ded c lai , agai challe gi g he deed f
' alidi , a d a e i g TILA a d RESPA i la i , al g ih a e la
clai . (R. 136-66.)
A ellee ed f a j dg e Se e be 28, 2019, a g i g M .
Ma e ' challe ge he lack f ec ded deed f a ig e d e
affec M . C e ' abili e f ce he e a d deed f de U ah la . (I .
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a 263-64.) A ellee al a g ed he e ai de f M . Ma e ' clai ee
ei he i e-ba ed failed a a a e f la . (I .)
M . Ma e filed a ii a ellee ' a j dg e i
Oc be 19, 2018. (I . a 325-85.) She challe ged he e' alidi a d ai ed
di c e a cie be ee c ie f he e b i ed b a ellee a
j dg e . (I .) A ellee e lied i f hei i Oc be 30, 2018.
(I . a 387-95.) A ellee e lai ed he ed di c e a cie a e f
i ad e e l a achi g a lde c f he e, ih he all ge, b ai ed b
c el i elec ic file a e ial f M. C e . (I . a 389.) A ellee '
c el la e b ai ed he igi al e, a h i he a ach e c el'
decla a i i g a j dg e . (I . a 292-99.) The c l c f he
igi al ec ai he all ge. (I .)
O Dece be 26, 2018, M . Ma e ed f a j dg e . (I .
a 415-35.) M . Ma e a g ed a ellee had failed e d he di c e
e e , a d he ef e he e e f ad i i e e dee ed ad i ed b
eai f la . (I . a 418-26.) She al ea e ed he challe ge he deed f
' alidi a d he ed d b ega di g he igi al c f he e. (I .
a 426-34.)
A ellee ed M . Ma e ' a j dg e i
Ja a 16, 2019. (R. V l. II, 7-20.) A ellee b i ed c el'
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decla a i i gi ii , ai gc el had " h ghl e a i ed he
fi ' h ical a d elec ic ec d c ce i g hi a e" a d c el had
" e e bee e ed a di c e la , i e ga ie , e e f d ci ,
e e f ad i i b lai iff a a i e." (I . a 27, 3.) M . Ma e
e lied i f he a j dg e i Feb a 6, 2019. (I . a 67-
103.)
O A g 14, 2019, he agi a e j dge i ed a e a d ec e da i
ec e di g he di ic c ga a ellee ' a j dg e i a d
de M . Ma e ' a j dg e i . (I . a 146-55.) The agi ae
j dge f d M . Ma e ' challe ge he deed f ' alidi ba ed
MERS' de ig a i a deed f be eficia a d he ed lack f
a ig e i fficie de U ah la . (I . a 149-51.)
The agi a e j dge f d M . Ma e ' RESPA clai failed beca e,
a he ad i ed i he allega i ,M.C e ified he f he e ici g cha ge
i hi 15 da , a d M . C e l e ded he QWR. (I . a 151-52.)
The agi a e j dge f he ec e ded di i al f he eglige
i e e e ai clai a i el , a d beca e he failed h a ellee ed
he a i de e de d f ca e. (I . a 152-53.) The i e i al i flic i f
e i al di e clai failed lead he ece a ele e a d a he ie
i el . (I . a 153-54.) The agi a e j dge ed, ega di g M . Ma e '
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di c e ag e , "[e] e if Plai iff had el a d i el e ed he
di c e e e , i ld cha ge he c e beca e Plai iff' M i
e el ai e a g e ab he DOT ha ha e bee ejec ed b hi Di ic a d
he U ah S a e C ." (I . a 154-55.)
O A g 30, 2019, M . Ma e filed bjec i he agi a e' e
a d ec e da i . (I . a 156-62.) She ai ed fi e ed e : (1) he deed
f ca be e ed alid beca e a di clai e he S i h C
Rec de ' Office eb i e a e i ca e if he acc ac f he li e ec d ;
(2) he e i a e a d eal c e a he e hi f he l a ; (3) he e i
e ide ce a ellee ified he f a cha ge i l a e ice ; (4) A ellee did
i el de he di c e e e ; a d (5) A ellee did i el a e he did
ecei e he di c e e e file a i f elief a Fed. R. Ci .
P. 60. (I .) A ellee filed a e e M . Ma e ' bjec i Se e be
9, 2019. (I . a 164-68.)
O Se e be 30, 2019, he di ic c i ed a de e li g bjec i
a d di i i g ca e ih ej dice a d ad i g he agi a e j dge' e a d
ec e da i i i e i e . (I . a 169-77.) The di ic c e ded M .
Ma e ' bjec i , ejec i g each e. (I . a 169-77.) The di ic c
a al ed M . Ma e ' ag e ha he di c e e e e e dee ed
ad i ed. (I . a 172-77.) The c de e i ed, de ele a Te h Ci c i
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ecede , e e a i g M . Ma e i el e ed he di c e e e ,
a ellee ' ii he a j dg e i , hich de ied he ad i i
a d b i ed a ae e f c el ha he e e ecei ed he e e ,
e a ed i hd a a ad i i . (I .) The c e led M . Ma e '
bjec i a d di i ed he ac i i i e i e . (I . a 177.) M . Ma e '
i el a eal f ll ed. (I . a 179-82.)
S ANDARD OF RE IE
Thi c e ie a di ic c ' deci i ga a j dg e
. T .M , 909 F.2d 408, 409 (10 h Ci . 1990). I d i g , he c
ie he ec d i he ligh fa able he i g a . R-G
D ,L . .F C H C , I ., 789 F.2d 1469, 1471 (10 h
Ci . 1986).
S MMAR OF HE ARG MEN
M . Ma e i a il a ea (1) c i e challe ge he deed f
' alidi a d he he M . C e ca e f ce he e; a d (2) a g e he
di ic c e ed i fi di g a ellee i hd e a e ial ad i i . (O . B .
a 6-7.) He a ella e b ief i i la ge a i l a eg gi a i f he a
j dg e b iefi g bel . She al a ea ai e, ih i g b iefi g,
ce ai ag e e e ed f a eal i cl di g (1) c i i al igh
i la i ; a d (2) l a i e ac clai . (I .)
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The di ic c c ec l ejec ed M . Ma e ' challe ge M .C e'
igh , a e h lde , e f ce b h he e a d he deed f f ll i g i . (R.
V l. II, 149-51, 170.) He a g e he e i a lack f ec ded deed f
a ig e i i ele a de U ah la .
The di ic al c did e i fi di g a ellee i hd e a e ial
ad i i . (I . a 172-77.) The c ' ea ed i i a ed M . Ma e
e ed he e e , e e ab e a aili g e ide ce a ide f he h ba d' elf-
e i g affida i . The c a i hi i di c e i de R le 36(b) i c i g
a ellee ' ii M . Ma e ' a j dg e i , ed b a
decla a i a i g he did ecei e he di c e , a a i i hd a .
M . Ma e clea l k e a ellee challe ged he e e f ad i i bef e
he filed he a j dg e i , a d did de a ea ej dice f
he i hd a al. M . Ma e ee ba i f e e al hi i e.
The c h ld c ide M . Ma e ' e ai i g i e f e ie
ega di g c i i al igh i la i ,a d he he he i e i led a e l a
i e ac . (O . B . a 6-7.) M . Ma e did ai e he e i e bef e he
di ic c ,a d e hele fail b ief he i a eal.
A ellee e ec f ll e e hi c affi he di ic c ' deci i .
M . Ma e i e i led a elief.
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ARG MEN
I. HE DIS RIC CO R PROPERL GRAN ED APPELLEES

S MMAR J DGMEN .
The di ic c el g a ed a j dg e all f M.
Ma e ' clai . M . Ma e ' a eal b ief fail ea i gf ll a e a
legal e i he di ic c ' ea ed i i ad i g he agi a e j dge'
e a d ec e da i .
A.
.
M . Ma e ' a eal b ief e a e , e e iall e ba i , he a
j dg e ag e he e e f ad i i he edl e ed a ellee
h ld be dee ed ad i ed. (O . B . a 8-20.) B hi g i he b ief add e e
he di ic c ' ea i g i i , he e i a lied Te h Ci c i ecede
c ea ellee ' ii M . Ma e ' a j dg e i a a
i i hd a he ad i i . (R. V l. II, 172-77.) M . Ma e ' b ief fail
ea i gf ll challe ge he di ic c ' a h i fi d he ad i i
i hd a . Thi c h ld affi .
The di ic c ' de , ad i g he agi a e j dge' e a d
ec e da i ( R. V l. II a 169-77, . a 146-55), add e ed a
le g h M . Ma e ' ag e he e e f ad i i e e dee ed ad i ed
b eai f la . (I . a 172-77.) The c ed, "[ ]a fac eigh hea il
agai dee i g ad i ed Ma e ' e e f ad i i ." (I . a 175.) The

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c e aea a " a e e a ad i i f a legal c cl i
de R le 36" hich ea a f he e e "ca be ad i ed beca e he
eek ad i i f legal c cl i ." (I .; ci a i a d i e al ai ak
i ed.)
Ra he ha aki g a fac al fi di g a he he he ad i i ee
ac all e ed, li g he ad i i c ld legall be dee ed ad i ed, he
di ic c i ead e e ci ed i di c e i de R le 36(b) i hd a he
ad i i . Fede al R le f Ci il P ced e 36(b) ide , i ele a a :
A a e ad i ed de hi le i c cl i el e abli hed le he
c , i , e i he ad i i be i hd a a e ded.
S bjec R le 16(e), he c a e i i hd a al a e d e
if i ld e he e e a i f he e i f he ac i a d if
he c i e aded ha i ld ej dice he e e i g a
i ai ai i g defe di g he ac i he e i .
Fed. R. Ci . P. 36(b). S R .U C ., 409 F.3d 1243, 1246 (10 h
Ci . 2005). Me e i c e ie ce d e a he ej dice c e la ed b
R le 36(b). I .
The di ic c elied he Te h Ci c i ' i i i B .U
S c e a ellee ' ii M . Ma e ' i a
j dg e a a i i hd a de R le 36(b). 820 F.2d 1117 (10 h Ci . 1987).
I B , lai iff a g ed he di ic c i el i hd e ad i i
beca e defe da had filed a i i hd a . I . a 1120. The Te h
Ci c i di ag eed, i g lai iff' a g e a " el ech ical" a d "[ ]he
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[defe da ] did file a i bjec i g [ lai iff]' i f a ial a
j dg e , a d a a ach e he e a he affida i f [c el] c ce i g -
ecei f he e e f ad i i ." I . The Te h Ci c i held he di ic
c ' i hd a al, ai g lai iff "clea l k e " defe da challe ged he
ad i i , a d fi di g ej dice. I .
The di ic c he e c ec l a lied B :
Like he defe da i B , Defe da i cl ded a

a e e ha he e e ecei ed Ma e ' e e . Defe da
al de ied each f Ma e ' e e f ad i i i hei
ii b ief. M e e , hi g i Ma e ' Re l
Defe da ' O ii gge he ld be ej diced b he c
e i i g i hd a al f Defe da ' ad i i . N ha he c
ide ified a ej dice.
(R. V l. II, 176-77.) O he c i hi di ic ha e a lied B
i ila fac . S P .W &A ., I ., N . 16-CV-02695-RBJ-
KMT, 2017 WL 5593287, a *3 (D. C l . N . 21, 2017) (a l i g B
c e ii i f a j dg e a i i hd a
ad i i ); S .B , N . 15-CV-00564-RBJ, 2016 WL 614473,
a *4 (D. C l . Feb. 16, 2016) ( a e); S . I . C . H .C I . C .,
I ., N . CIV.04 1246 JB/ACT, 2006 WL 4109678, a *8 (D.N.M. J l 27, 2006)
( a e).
M . Ma e ' b ief d e add e he he he di ic c el
i hd e he ad i i e ce c cl il a e he l e c e ed beca e
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a ellee " e e filed a i ha e he ad i i i hd a ." (O . B . a 30.)
M . Ma e ' c cl a e i fail gi e a ea h he c h ld
ha e a lied B a d he ei he de ae , allege , ej dice.
(I .) A d, he e ea ed a g e he e e h ld ha e bee dee ed ad i ed i
l ge ele a , beca e, a he di ic c ed " ega dle of he he
Ma e on' eq e ho ld ha e been deemed admi ed, Defe da effec i el
i hd e a ch ad i i ." (I . a 177; e ha i added.) The c h ld
affi he di ic c ' ea ed deci i .
B.
M .C .
M . Ma e a ea ea e , al e ba i , he a j dg e
ag e challe gi g he deed f ' alidi a dM.C e' igh e f ce
i igh i he e a d deed f . (O . B . a 21-30.) The c h ld ejec
M . Ma e ' ba ele a ack he l a ' alidi a d he gge i M.
C e d e h ld he igi al e.
The c h ld e e ai M . Ma e ' ag e ega di g a
ed di c e a c be ee diffe e c ie f he e b i ed b a ellee
he di ic c . A ellee ' a j dg e e ide ce i cl ded a ellee '
c el' decla a i , a he ica i g a d a achi g a c l c f he igi al e.
(R. V l. I, 291 a 3-4; 292-99.) M . Ma e la ched he a e a ack
c a i ga he e i f he e ( . a 274-88) he c l c f he igi al
13
51816079;1
a ached c el' decla a i ( . a 292-99) i he ii a ellee '
a j dg e i . (I . a 327-32.) She eg gi a e he cce f l
ag e he e. (C . O . B . a 21-30.)
A ellee e lai ed he ed di c e a cie he di ic c i hei
e l i g a j dg e . (R. V l. I, 387-95.) The black a d hi e c
i a lde c f M. C e ' file , c ied bef e he e b e e
i d e e a d a all ge. (I . a 389.) A d, a e lai ed b a ellee bel ,
a diffe e ce i c ie f he e a e i ele a beca e M . C e h ld he
igi al e (a e ide ced b c el' decla a i a d he a ached c ), a
a e -i -fac f De che Ba k. A ellee a ached he li i ed e fa e
e ide ci g he ela i hi be ee M . C e a d De che Ba k i e l .
(S R. V l. I, 396-411.) The di ic c c ec l decli ed e e ai M .
Ma e ' ei allega i fa ellee ' c el' "f a d he c " de
he e fac . A ellee e ec f ll b i hi c h ld d he a e.
M . Ma e ' c -a d- a e b ief al ea e he challe ge he deed
f ' alidi ba ed a ellee ' ed "fail e ec d a a ig e f
deed f " a d MERS' de ig a i a deed f be eficia . (S O .B.a
28.) The agi a e j dge c ide ed a d ejec ed M . Ma e ' ag e a
i c i e i h U ah la .
14
51816079;1
MERS ca be he deed f be eficia de U ah la . S M .
R T C . NA, 373 P.3d 189, 198 (U ah 2016) ( ejec i g lai iff' a g e
he deed f a id beca e MERS failed ai f he a defi i i f
be eficia ); B .M E .R S ., I ., 706 F.3d
1231, 1237 (10 h Ci . 2013) ( a i g MERS a ha e a h i f ecl e de a
deed f ). A d, a he agi a e j dge ec g i ed, he ec ded deed f
i e ed alid. S U ah C de 57 4a 4(1).
The agi a e j dge c ec l ed M . Ma e did di e he deed
f ' ec da i , ha be eficial i e e i he l a a d e ici g igh f
he l a e e a fe ed f he igi al le de he e i ie . (I . a 150.)
MERS ac i g a i ee f he le de a d le de cce a d a ig i
i ele a . U ah C de 57 1 35 a e : "The a fe fa deb ec ed b a
deed hall e a e a a a fe f he ec i he ef ." The U ah C f A eal
ha ake he lai la g age f he a e ea " he a deb i a fe ed, he
de l i g ec i c i e ec e he deb ." C P
A , LLC . M .E .R S , I ., 263 P.3d 397, 401-403 (U ah
C.A . J l 14, 2011), . , 268 P.3d 192 (U ah 2011). The deed f
f ll he e. Wh e e h ld he e i e i led e f ce he deed f .
Rec ded a ig e ae e i ed e f ce he deed f . M.C e
h ld he igi al e, i d ed i bla k (S R. V l. I, 291 a 3-4; 292-99) a d
15
51816079;1
i he ef e e i led c llec a e a d e f ce he deed f . Thi c
h ld ejec M . Ma e ' c i ed a e challe ge he deed f '
alidi a dM .C e ' igh e f ce i .
C. M .M '
.
A a ella e c ge e all " ill c ide a i ed ai ed f he fi
i e a eal." T -C ' ,I . .C ' , 104 F.3d 1229, 1232 (10 h Ci .
1997) (i e al ci a i i ed). The le i " a ic la l a he deali g i h a
a eal f aga f a j dg e [.]" I . The a ella e c h ld
be a " ec d- h " f e back he ie . I . (ci i g A L &
L C . .U P . R. C ., 820 F.2d 338, 344 .5 (10 h Ci . 1987)).
He e, M . Ma e a ea a e ,f he fi i e a eal, clai
ela i g (1) c i i al igh i la i ; a d (2) l a i e ac . (O . B . a 6-
7, i e . 1, 6, 7.) M . Ma e did ai e he e he ie bel i he
a j dg e i a e , (S R. V l. I, 325-34; 415-34; R. V l. II, 67-
87), hi c h ld e e ai he . U S .M C , 235 F.3d 1211,
1216 (10 h Ci . 2000) ("The ge e al le i ha hi c ill c ide a i e
a eal ha a ai ed bel .").
M . Ma e ha a ed c i i al i la i . (S R.
V l. I, 325-34; 415-34; R. V l. II, 67-87.) She e i ed " l a i e ac " i he
di c e e e ,b did c he e l a e a clai ega di g l a i e ac .
16
51816079;1
(S , . ., R. V l. I, 425-26 ( e e f ad i i ega di g l a i e ac ); 430
"Plai iff a e ha Defe da ' C el' e ea ed ec i i a i efe e ce
ca ed Plai iff e i if Ul a Vi e Ac c i ed b Defe da De che
Ba k T C a A e ica , he bei g a ck h lde i De che Ba k, ld
ad e el affec Plai iff i e e a d ha Defe da ' C el' g
i e e e ai a d dece i e c d c h ld bec e a f he C Rec d
a a i g a ci a d di ci li a ac i .").
She fail b ief he e i e a eal. The e i f he e i f he
c i i al igh i he b ief. She agai c ie a d a e he i c ehe i e
a e i " e ea ed ec i i a i efe e ce ca ed Plai iff e i if Ul a
Vi e Ac c i ed b De che Ba k . . . h ld bec e a f he C ec d.
. ." (O . B . a 25.) Thi e ea ed a e e d e a a clai f elief,
a i ef a eal, ha hi c h ld c ide .1
CONCL SION
M . Ma e ' a eal b ief d e ai e a g d e e e he di ic
c ' j dg e i fa f a ellee . M . Ma e ' b ief i a ea e i f failed
1
M . Ma e al a ed a a i e e e ed "Did he Di ic C J dge e
i cl i g he ca e a ba i h he Defe da ha i g e e e ded he
C lai ( )?" (O . B . a 7.) She d e b ief hi i ,a di a e e ,i i
i ele a a ellee he e beca e he di ic c di ed f all he clai
agai he .
17
51816079;1
clai ih a a al i f he di ic c ' g d f di i al. She ca
challe ge he deed f ' alidi , ha he de a ed he di ic c e ed
i i hd a i g a e ial ad i i . The c h ld ejec M . Ma e '
a e a id he i e i able e l ha he ca e he j dicial e
i alida e he l a il b ai ed $1.4 illi l a a d he i e ec i g i .
DATED hi 31 da f Ja a , 2020.
/ /R H. S
R be H. Sc
AKERMAN LLP
170 S h Mai S ee , S i e 725
(801) 907-6900
A A N M
LLC / / M . C ,D B T
C T R
A L ,I .M A -B
P -T C , S 2007-
QH1, M E R
S ,I .
18
51816079;1
CER IFICA E OF SER ICE
I he eb ce if ha he 31 da f Ja a , 2020, I elec icall filed he
f eg i g APPELLEES' OPENING BRIEF i g he C ' CM/ECF e
a d e 7 c ie f he b ief he Cle k f he C b Fede al E e a d
c ie A ella ia U.S. Mail:
V U.S. M O
Ca l Ma e
1556 Hillc e A e e
Gle dale, Calif ia 91202
P S P -A
/ /R H. S
R be H. Sc
AKERMAN LLP
170 S h Mai S ee , S i e 725
(801) 907-6900
A A N M
C T R
A L ,I .M A -B
P -T C , S 2007-
QH1, M E R
S ,I .
19
51816079;1
CER IFICA E OF COMPLIANCE
Thi b ief c lie i h he age li i a i f Fed. R. A . P. 32(a)(7)
beca e he b ief d e e ceed hi (30) age a d c ai e ha 13,000
d.
Thi b ief c lie i h he eface e i e e f Fed. R. A . P. 32(a)(5)
a d he le e i e e f Fed. R. A . P. 32(a)(6) beca e he b ief ha bee
e a ed i i all aced 14- i Ti e Ne R a f i 2016
Mic f W d.
/ /R H. S
R be H. Sc
AKERMAN LLP
170 S h Mai S ee , S i e 725
(801) 907-6900
A A N M
C T R
A L ,I .M A -B
P -T C , S 2007-
QH1, M E R
S ,I .
20
51816079;1
CER IFICA E OF DIGI AL S BMISSIONAND PRI AC

REDAC IONS
I he eb ce if ha a c f he f eg i g APPELLEES' OPENING
BRIEF a b i ed i Digi al F ia he C ' ECF e , i a e ac c
f he i e d c e filed i h he Cle k a d ha bee ca ed f i e ih
C la ce PROTECT, e i 2.0.1494.39, a d acc di g he g a , i f ee f
i e . I addi i , I ce if all e i ed i ac edac i ha e bee ade.
I ce if ha he i f ai hi f i ea dc ec he be f
k ledge a d belief f ed af e a ea able i i .
/ /R H. S
R be H. Sc
AKERMAN LLP
170 S h Mai S ee , S i e 725
(801) 907-6900
A A N M
C T R
A L ,I .M A -B
P -T C , S 2007-
QH1, M E R
S ,I .
21
51816079;1
Case 2:18-cv-00196-RJS-DBP Document 37 Filed 08/14/19 Page 11 of 10
IN THE UNITED
=A G<9 STATES DISTRICT
HA=G98 FG5G9F 8=FGE=7G COURT
7BHEG
FOR THE DISTRICT
:BE G<9 8=FGE=7G OF
B: UTAH,
HG5<& CENTRAL
79AGE5? DIVISION
8=I=F=BA
CAROL
75EB? MASTERSON,
@5FG9EFBA& REPORT
E9CBEG AND
5A8 RECOMMENDATION
E97B@@9A85G=BA
Plaintiff,
CYNV[aVSS&
v.
c( Case A\( 2:18-cv-00196-RJS-DBP
7N`R No. +3*1'Pc'))*2/'E>F'86C
NATIONSTAR
A5G=BAFG5E MORTGAGE, LLC., et.
@BEG;5;9& ??7(& Ra( al.,
NY(& District Judge Robert
8Và_VPa >bQTR J. FURYOf
E\OR_a >( Shelby
Defendants.
8RSR[QN[a`( Magistrate Judge Dustin
@NTVà_NaR >bQTR 8bàV[ B.
6( Pead
CRNQ
District Judge FURYOf

8Và_VPa >bQTR Shelby _RSR__RQ
referred this
aUV` matter
ZNaaR_ to
a\ Magistrate Judge Pead
@NTVà_NaR >bQTR CRNQ pursuant
]b_`bN[a to
a\ 28
+1 U.S.C.
H(F(7(
§ 636(b)(1)(B). (ECF
g /,/#O$#*$#6$( #97: No.
A\( 2.)
+($ The
GUR matter
ZNaaR_ is
V` before
ORS\_R the
aUR court
P\b_a on
\[ cross-motions
P_\``'Z\aV\[` for
S\_ summary
`bZZN_f
judgment:
WbQTZR[a3 Defendants' for Summary Judgment ("Defendants'
8RSR[QN[a`l Motion for #i8RSR[QN[a`l Motion")
@\aV\[j$ and Plaintiff’s
N[Q Plaintiff's
for Summary Judgment Pursuant to Federal Rules of

Motion for of Civil Procedure 56(a) ("Plaintiff's
#iCYNV[aVSSl`
Motion"). (ECF Nos.

@\aV\[j$. #97: A\`( 19,
*2& 25.)
+.($ Additionally,
5QQVaV\[NYYf& Defendants SVYRQ aN Motion to Strike Plaintiff's
8RSR[QN[a` filed Plaintiff’s
Amended/Corrected Reply to Defendants'

Defendants’ Opposition to Plaintiff's
Plaintiff’s Motion for
for Summary
Judgment ("Motion
#i@\aV\[ to Strike") (ECF
a\ Fa_VXRj$ #97: No.
A\( 33)
,,$ and
N[Q Plaintiff for Leave to File Sur-
filed aN Motion for
CYNV[aVSS SVYRQ
Reply ("Motion for Fb_'ER]Yfj$

#i@\aV\[ S\_ Sur-Reply") (ECF
#97: No.
A\( 34).
,-$( Briefmg
6_VRSV[T has
UN` concluded.
P\[PYbQRQ( The
GUR court
P\b_a has
UN` carefully
PN_RSbYYf
reviewed
_RcVRdRQ the
aUR moving
Z\cV[T papers
]N]R_` submitted
`bOZVaaRQ by
Of the
aUR parties.
]N_aVR`( Pursuant
Cb_`bN[a to
a\ local
Y\PNY rule
_bYR DUCivR 7-1(f), oral
8H7VcE 0'*#S$& \_NY
argument
N_TbZR[a is
V` unnecessary
b[[RPR``N_f and
N[Q the
aUR court
P\b_a will
dVYY determine
QRaR_ZV[R the
aUR motions
Z\aV\[` on
\[ the
aUR basis
ON`V` of
\S the
aUR written
d_VaaR[
papers.
]N]R_`(
For
:\_ the
aUR reasons
_RN`\[` discussed
QV`Pb``RQ below,
ORY\d& the
aUR court
P\b_a recommends
_RP\ZZR[Q` granting
T_N[aV[T Defendants'
8RSR[QN[a`l Motion,
@\aV\[&
denying
QR[fV[T Plaintiff's
CYNV[aVSSl` Motion,
@\aV\[& denying
QR[fV[T Defendants'
8RSR[QN[a`l Motion
@\aV\[ to Strike, and
a\ Fa_VXR& N[Q denying
QR[fV[T as
N` moot
Z\\a
Plaintiff's
CYNV[aVSSl` Motion for Fb_'ER]Yf(
@\aV\[ S\_ Sur-Reply.
ATTACHMENT 1
22
FACTS
*&'21
On
B[ December
8RPRZOR_ 15,
*.& 2006,
+))/& Plaintiff
CYNV[aVSS received
_RPRVcRQ aN Y\N[
loan in
V[ the
aUR amount
NZ\b[a of $1,402,000.00 from
\S "*&-)+&)))()) S_\Z
First
:V_à Magnus
@NT[b` Financial
:V[N[PVNY Corporation
7\_]\_NaV\[ ("FMFC")
#i:@:7j$ to
a\ purchase
]b_PUN`R aN home located in
U\ZR Y\PNaRQ V[ Park
CN_X City,
7Vaf& Utah.
HaNU(
(Plaintiff's
#CYNV[aVSSl` First
:V_à Amended
5ZR[QRQ Complaint
7\Z]YNV[a "Am.
i5Z( Compl.", ECF No.
7\Z]Y(j& 97: A\( 16
*/ at
Na 9.)
2($ Plaintiff's loan with
CYNV[aVSSl` Y\N[ dVaU
FMFC
:@:7 was
dN` secured
`RPb_RQ by
Of aN Deed
8RRQ of
\S Trust
G_bà ("DOT")
#i8BGj$ and
N[Q was
dN` signed
`VT[RQ and
N[Q dated
QNaRQ by
Of Plaintiff
CYNV[aVSS on
\[
December
8RPRZOR_ 15,
*.& 2006. Id( at
+))/( See Id. Exhibit No.
Na 9eUVOVa A\( 1. Incorporated V[a\
*( =[P\_]\_NaRQ into the
aUR DOT
8BG was
dN` an
N[ Adjustable
5QWbàNOYR
Rage
ENTR Rider
EVQR_ indicating
V[QVPNaV[T that
aUNa the
aUR interest
V[aR_Rà rate
_NaR and
N[Q monthly
Z\[aUYf payment could PUN[TR
]NfZR[a P\bYQ change on
\[ the
aUR first day of
SV_à QNf \S
January, 2012.
>N[bN_f& Id( GUR
+)*+( See Id. The DOT
8BG and
N[Q incorporated
V[P\_]\_NaRQ documents
Q\PbZR[a` were recorded with
dR_R _RP\_QRQ dVaU the Summit
aUR FbZZVa
County
7\b[af Recorder's
ERP\_QR_l` Office.
BSSVPR( See Am.
5Z( Compl.
7\Z]Y( at
Na 9.
2(
The
GUR DOT identifies the
8BG VQR[aVSVR` aUR Mortgage Electronic Registration
@\_aTNTR 9YRPa_\[VP Systems, Inc.
ERTVà_NaV\[ FfàRZ`& =[P( ("MERS")
#i@9EFj$ as
N` aN
"separate
i`R]N_NaR corporation
P\_]\_NaV\[ that
aUNa is
V` acting
NPaV[T solely
`\YRYf as
N` aN nominee for ?R[QR_
[\ZV[RR S\_ Lender and Lender's successors
N[Q ?R[QR_l` `bPPR``\_` and
N[Q
assigns."
N``VT[`(j Id. at
Na Exhibit
9eUVOVa No.
A\( 1.
*( Furthermore,
:b_aUR_Z\_R& MERS
@9EF was
dN` nominated
[\ZV[NaRQ as
N` the
aUR "beneficiary"
iOR[RSVPVN_fj under
b[QR_
the
aUR DOT
8BG solely
`\YRYf as
N` nominee for ?R[QR_
[\ZV[RR S\_ Lender and Lender's successors
N[Q ?R[QR_l` `bPPR``\_` and
N[Q assigns
N``VT[` and
N[Q the
aUR successors
`bPPR``\_`
and
N[Q assigns
N``VT[` of
\S MERS.
@9EF( Id. In
=[ the
aUR DOT,
8BG& Plaintiff,
CYNV[aVSS& as
N` the
aUR borrower, confirmed that
O\__\dR_& P\[SV_ZRQ aUNa she
ÙR understood
b[QR_à\\Q
and
N[Q agreed
NT_RRQ "that
iaUNa MERS
@9EF holds
U\YQ` only legal title
\[Yf YRTNY aVaYR to
a\ the
aUR interest
V[aR_Rà granted"
T_N[aRQj in
V[ the
aUR DOT
8BG "but, if
iOba& VS
necessary,
[RPR``N_f& to
a\ comply
P\Z]Yf with law or
dVaU YNd \_ custom,
Pbà\Z& MERS
@9EF (as
#N` nominee
[\ZV[RR for Lender and
S\_ ?R[QR_ Lender's
N[Q ?R[QR_l`
successors
`bPPR``\_` and
N[Q assigns)
N``VT[`$ has
UN` the
aUR right:
_VTUa3 to
a\ exercise
ReR_PV`R any
N[f or
\_ all
NYY of
\S those interest, including,
aU\`R V[aR_Rà& V[PYbQV[T& but
Oba not
[\a
limited to,
YVZVaRQ a\& the
aUR right
_VTUa to
a\ foreclose
S\_RPY\`R and
N[Q sell"
`RYYj the
aUR home.
U\ZR( Id.
Under
H[QR_ the
aUR terms
aR_Z` of
\S the
aUR loan,
Y\N[& the loan along
aUR Y\N[ NY\[T with
dVaU the
aUR DOT
8BG could
P\bYQ be
OR sold
`\YQ one
\[R or
\_ more
Z\_R
times
aVZR` without
dVaU\ba prior
]_V\_ notice
[\aVPR to
a\ Plaintiff. Id( However,
CYNV[aVSS( See Id. <\dRcR_& if
VS there
aUR_R was
dN` aN change
PUN[TR of
\S the
aUR loan
Y\N[
servicer,
`R_cVPR_& Plaintiff
CYNV[aVSS was
dN` to
a\ be
OR notified
[\aVSVRQ consistent
P\[`VàR[a with
dVaU the
aUR Real Estate FRaaYRZR[a
ERNY 9àNaR Settlement Procedures
C_\PRQb_R` Act
5Pa
("RESPA"). Id( Consistent

#iE9FC5j$( See Id. 7\[`VàR[a with
dVaU the
aUR terms
aR_Z` of
\S the
aUR DOT,
8BG& beneficial interest and
OR[RSVPVNY V[aR_Rà N[Q servicing
`R_cVPV[T
rights
_VTUa` of
\S Plaintiff's
CYNV[aVSSl` loan
Y\N[ was
dN` transferred
a_N[`SR__RQ aN number
[bZOR_ of
\S times
aVZR` between
ORadRR[ 2007
+))0 and
N[Q 2012.
+)*+( See Am.
5Z(
2
+
23
Compl.
7\Z]Y( at
Na Exhibit
9eUVOVa No.
A\( .5 #i@VYRà\[R
("Milestone Report")
ER]\_aj$ at
Na 15-16.
*.'*/( For instance, Deutsche
:\_ V[àN[PR& 8Rba`PUR Bank
6N[X National
ANaV\[NY
Trust Company
G_bà 7\Z]N[f Americas
5ZR_VPN` as
N` Trustee
G_bàRR ("Deutsche
#i8Rba`PUR Bank"),
6N[Xj$& obtained
\OaNV[RQ the
aUR beneficial
OR[RSVPVNY interest
V[aR_Rà in
V[ May
@Nf
of
\S 2008. Id( FR_cVPV[T
+))1( See Id. Servicing rights
_VTUa` transferred
a_N[`SR__RQ from
S_\Z FMFC
:@:7 to
a\ Residential
ER`VQR[aVNY Funding
:b[QV[T Company
7\Z]N[f to
a\
Aurora Loan FR_cVPR`

5b_\_N ?\N[ Services ("Aurora") in 2007
#i5b_\_Nj$ V[ +))0 and
N[Q 2008.
+))1( See Am.
5Z( Compl.
7\Z]Y( at
Na 9
2 and Exhibit .(
N[Q 9eUVOVa 5.
According
5PP\_QV[T to
a\ Plaintiff,
CYNV[aVSS& Aurora
5b_\_N recorded
_RP\_QRQ aN FbOàVabaV\[
Substitution of Trustee with
\S G_bàRR dVaU the Summit County
aUR FbZZVa 7\b[af
Recorder's
ERP\_QR_l` Office
BSSVPR in
V[ 2007,
+))0& pursuant
]b_`bN[a to
a\ the
aUR terms
aR_Z` of
\S the
aUR DOT. Id( at
8BG( See Id. Exhibit 2.
Na 9eUVOVa +(
In January of
=[ >N[bN_f \S 2010,
+)*)& Plaintiff
CYNV[aVSS received
_RPRVcRQ aN Notice
A\aVPR of
\S Default
8RSNbYa and
N[Q then
aUR[ aN Notice
A\aVPR of
\S Rescission
ER`PV``V\[
that
aUNa were
dR_R recorded
_RP\_QRQ with
dVaU the Summit County
aUR FbZZVa 7\b[af Recorder's
ERP\_QR_l` Office.
BSSVPR( See Am.
5Z( Compl.
7\Z]Y( at
Na 9.
2( After
5SaR_
foreclosure was
S\_RPY\`b_R dN` averted,
NcR_aRQ& on July 2,
\[ >bYf +& 2012,
+)*+& Aurora
5b_\_N transferred
a_N[`SR__RQ seasoned
`RN`\[RQ servicing rights of
`R_cVPV[T _VTUa` \S
Plaintiff's
CYNV[aVSSl` loan
Y\N[ to
a\ Nationstar
ANaV\[àN_ Mortgage LLC ("Nationstar"),
@\_aTNTR ??7 #iANaV\[àN_j$& now
[\d doing
Q\V[T business
Ob`V[R`` as
N` Mr.
@_( Cooper.
7\\]R_(
See Milestone
@VYRà\[R Report
ER]\_a at
Na 15-16.
*.'*/( Within
JVaUV[ 15
*. days
QNf` of
\S the
aUR transfer
a_N[`SR_ of
\S servicing
`R_cVPV[T rights,
_VTUa`& Nationstar
ANaV\[àN_
notified
[\aVSVRQ Plaintiff
CYNV[aVSS that
aUNa it
Va was
dN` now
[\d servicing
`R_cVPV[T the
aUR loan.
Y\N[( See Am.
5Z( Compl.
7\Z]Y( at
Na Exhibit 5; see also
9eUVOVa .4
Defendants'
8RSR[QN[a`l Motion
@\aV\[ at Exhibit .(
Na 9eUVOVa 5.
Consistent
7\[`VàR[a with
dVaU the
aUR undisputed
b[QV`]baRQ document
Q\PbZR[a before
ORS\_R the
aUR court,
P\b_a& the
aUR beneficial
OR[RSVPVNY rights
_VTUa` of
\S the
aUR
loan were
Y\N[ dR_R transferred
a_N[`SR__RQ as follows: from
N` S\YY\d`3 S_\Z FMFC a\ Residential
:@:7 to ER`VQR[aVNY Funding
:b[QV[T Company,
7\Z]N[f& from
S_\Z
Residential
ER`VQR[aVNY Funding
:b[QV[T Company
7\Z]N[f to
a\ Deutsche
8Rba`PUR Bank.
6N[X( See Milestone
@VYRà\[R Report,
ER]\_a& Am.
5Z( Compl.
7\Z]Y( at Exhibit
Na 9eUVOVa
5. FR_cVPV[T
.( Servicing rights for the
_VTUa` S\_ aUR loan
Y\N[ transferred
a_N[`SR__RQ as
N` follows:
S\YY\d`3 FMFC
:@:7 to
a\ Residential
ER`VQR[aVNY Funding
:b[QV[T Company,
7\Z]N[f&
from Residential
S_\Z ER`VQR[aVNY Funding
:b[QV[T Company
7\Z]N[f to
a\ Aurora,
5b_\_N& and
N[Q from
S_\Z Aurora
5b_\_N to
a\ Nationstar. Id(
ANaV\[àN_( See Id.
Accepting
5PPR]aV[T Plaintiff's
CYNV[aVSSl` facts
SNPa` as
N` true,
a_bR& she
ÙR sent
`R[a aN Qualified
DbNYVSVRQ Written
J_VaaR[ Request
ER^bRà ("QWR"),
#iDJEj$&
pursuant
]b_`bN[a to
a\ RESPA,
E9FC5& to
a\ Nationstar
ANaV\[àN_ on
\[ August
5bTbà 9,
2& 2012.
+)*+( See Am.
5Z( Compl. Na 11.
7\Z]Y( at **( Defendant
8RSR[QN[a
Nationstar
ANaV\[àN_ concedes,
P\[PRQR`& and
N[Q Plaintiff
CYNV[aVSS agrees,
NT_RR`& that
aUNa Nationstar
ANaV\[àN_ promptly
]_\Z]aYf responded
_R`]\[QRQ to
a\ her
UR_ QWR.
DJE( See
Id(
Id.
3,
24
DISCUSSION
(,1'311,/.
Rule
EbYR 56(a)
./#N$ of
\S the
aUR Federal
:RQR_NY Rules
EbYR` of
\S Civil
7VcVY Procedure
C_\PRQb_R states:
àNaR`3 "The court shall
iGUR P\b_a ÙNYY grant
T_N[a summary
`bZZN_f
judgment
WbQTZR[a if
VS the
aUR movant
Z\cN[a shows
Ù\d` that
aUNa there
aUR_R is
V` no
[\ genuine
TR[bV[R dispute
QV`]baR as
N` to
a\ any
N[f material fact and
ZNaR_VNY SNPa N[Q the
aUR
movant
Z\cN[a is
V` entitled
R[aVaYRQ to
a\ judgment
WbQTZR[a as
N` aN matter
ZNaaR_ of
\S law."
YNd(j Fed.R.Civ.P. 56(a). "The
:RQ(E(7Vc(C( ./#N$( iGUR movant
Z\cN[a bears
ORN_` the
aUR
initial
V[VaVNY burden
Ob_QR[ of `show[ing] that
\S kÙ\dLV[TM aUNa there
aUR_R is
V` an
N[ absence
NO`R[PR of
\S evidence
RcVQR[PR to
a\ support
`b]]\_a the
aUR nonmoving
[\[Z\cV[T
party's PN`R(l "j Herrera v. Santa Fe Pub. Sch., 956

]N_afl` case.' 2./ F. Supp. 2d
:( Fb]]( +Q **2*& *++* (D.
1191, 1221 #8( N.M.
A(@( 2013)
+)*,$
#^b\aV[T Bacchus Indus., Inc. v. Arvin Indus., Inc., 939

(quoting 2,2 F.2d
:(+Q 887,
110& 891
12* (10th
#*)aU Cir.
7V_( 1991));
*22*$$4 see
èe also
Celotex Corp. v. Catrett, 477

-00 U.S. 317, 323
H(F( ,*0& (1986). Once
,+, #*21/$( B[PR the
aUR movant
Z\cN[a meets
ZRRa` this
aUV` burden,
Ob_QR[& Rule 56
EbYR ./
requires
_R^bV_R` the
aUR nonmoving
[\[Z\cV[T party
]N_af to
a\ designate
QR`VT[NaR specific facts showing
`]RPVSVP SNPa` Ù\dV[T that
aUNa there
aUR_R is
V` aN genuine issue for
TR[bV[R V``bR S\_
a_VNY( See Celotex Corp at

trial. ,+-4 Anderson v. Liberty Lobby, Inc., 477
Na 324; -00 U.S. 242, +./
H(F( +-+& 256 (1986).
#*21/$(
Therefore,
GUR_RS\_R& the
aUR party
]N_af opposing
\]]\`V[T summary
`bZZN_f judgment
WbQTZR[a must
Zbà "set forth specific
i`Ra S\_aU `]RPVSVP facts
SNPa` showing
Ù\dV[T
that
aUNa there
aUR_R is
V` aN genuine issue S\_
TR[bV[R V``bR for trial
a_VNY as
N` to
a\ those dispositive matters
aU\`R QV`]\`VaVcR for which
ZNaaR_` S\_ dUVPU it carries the
Va PN__VR` aUR burden
Ob_QR[
of ]_\\S(j Applied Genetics Int'l,

\S proof." Int’l, Inc. v. First Affiliated Sec., Inc., 2*+
912 F.2d
:(+Q 1238,
*+,1& 1241 (10th
*+-* #*)aU
Cir.
7V_( 1990); èe also Vitkus
*22)$4 see Vitkus v. Beatrice Co., **
11 F.3d
:(,Q 1535,
*.,.& 1539
*.,2 (10th
#*)aU Cir.
7V_( 1993)
*22,$ ("However,
#i<\dRcR_& the
aUR
nonmoving
[\[Z\cV[T party
]N_af may
ZNf not
[\a rest
_Rà on its pleadings
\[ Va` ]YRNQV[T` but
Oba must
Zbà set
`Ra forth
S\_aU specific
`]RPVSVP facts
SNPa` showing
Ù\dV[T that
aUNa there
aUR_R
is
V` aN genuine
TR[bV[R issue
V``bR for
S\_ trial
a_VNY as
N` to
a\ those
aU\`R dispositive
QV`]\`VaVcR matters
ZNaaR_` for
S\_ which
dUVPU it
Va carries
PN__VR` the
aUR burden
Ob_QR[ of
\S
proof."
]_\\S(j (internal
#V[aR_[NY citations
PVaNaV\[` omitted)).
\ZVaaRQ$$( Rule 56(c)(1) provides:
EbYR ./#P$#*$ ]_\cVQR`3 "A
i5 party
]N_af asserting
N``R_aV[T that
aUNa aN SNPa
fact ...
((( is
V`
genuinely
TR[bV[RYf disputed
QV`]baRQ must
Zbà support
`b]]\_a the
aUR assertion
N``R_aV\[ by
Of ...
((( citing
PVaV[T to
a\ particular
]N_aVPbYN_ parts
]N_a` of
\S materials
ZNaR_VNY` in
V[ the
aUR
record,
_RP\_Q& including
V[PYbQV[T depositions,
QR]\`VaV\[`& documents, electronically stored
Q\PbZR[a`& RYRPa_\[VPNYYf à\_RQ information,
V[S\_ZNaV\[& affidavits
NSSVQNcVa` or
\_
declarations,
QRPYN_NaV\[`& stipulations
àV]bYNaV\[` (including
#V[PYbQV[T those
aU\`R made
ZNQR for
S\_ purposes
]b_]\`R` of
\S the
aUR motion
Z\aV\[ only),
\[Yf$& admissions,
NQZV``V\[`&
interrogatory
V[aR__\TNa\_f answers,
N[`dR_`& or
\_ other
\aUR_ materials."
ZNaR_VNY`(j Fed.R.Civ.P. 56(c)(1).
:RQ(E(7Vc(C( ./#P$#*$(
I.
=( Declaratory ERYVRS Claims
8RPYN_Na\_f Relief 7YNVZ`
Counts
7\b[a` one,
\[R& three, four and
aU_RR& S\b_ N[Q five
SVcR of
\S the
aUR Am.
5Z( Compl. _R^bRà declaratory
7\Z]Y( request QRPYN_Na\_f relief
_RYVRS primarily
]_VZN_VYf
4
-
25
asserting
N``R_aV[T that
aUNa the
aUR designation
QR`VT[NaV\[ of
\S MERS
@9EF as
N` agent
NTR[a and
N[Q beneficiary
OR[RSVPVN_f of
\S the
aUR DOT
8BG renders
_R[QR_` the
aUR DOT
8BG aN
nullity
[bYYVaf and
N[Q Defendants lack proper
8RSR[QN[a` YNPX ]_\]R_ assignments
N``VT[ZR[a` of
\S the loan and
aUR Y\N[ N[Q therefore
aUR_RS\_R have
UNcR no
[\ beneficial
OR[RSVPVNY
interest
V[aR_Rà in
V[ the loan. See Am.
aUR Y\N[( 5Z( Compl.
7\Z]Y( at
Na 16-23.
*/'+,( Plaintiff's
CYNV[aVSSl` claim
PYNVZ for
S\_ declaratory
QRPYN_Na\_f judgment
WbQTZR[a resting
_RàV[T
on
\[ these
aUR`R theories
aUR\_VR` have
UNcR been
ORR[ rejected
_RWRPaRQ by
Of this
aUV` District
8Và_VPa and
N[Q Utah 7\b_a`( See Commonwealth
State Courts.
HaNU FaNaR
Prop. Advocates, LLC v. Mortgage Elec. Registration Sys., Inc.,

Inc.& 263
+/, P.3d -),& reh’g
397, 403,
C(,Q ,20& reh'g denied
(August
#5bTbà 10, +)**$& cert
*)& 2011), denied& 268
cent denied, +/1 P.3d
C(,Q 192
*2+ (Utah +)**$4 see also Mitchell v. ReconTrust Co.
#HaNU 2011);
NA, 373
,0, P.3d
C(,Q 189, *21& reh’g
*12& 198, reh'g denied (June
#>b[R 29, +)*/$4 Wade
+2& 2016); Wade v. Meridias Capital, Inc., et. al.,
2011
+)** WL
J? 997161,
220*/*& at %+ (D.
Na *2 #8( Utah
HaNU Mar.
@N_( 17,
*0& 2011).
+)**$(
When
JUR[ considering
P\[`VQR_V[T state
àNaR law
YNd claims,
PYNVZ`& federal
SRQR_NY courts
P\b_a` "apply
iN]]Yf state law with
àNaR YNd dVaU the
aUR objective
\OWRPaVcR of
\S
obtaining
\OaNV[V[T the
aUR result
_R`bYa that
aUNa would
d\bYQ be
OR reached
_RNPURQ in
V[ state court." Ace Fire Underwriters Ins. Co. v.
àNaR P\b_a(j
Romero, 831
1,* F.3d
:(,Q 1285,
*+1.& 1289
*+12 (10th
#*)aU Cir.
7V_( 2016)
+)*/$ (internal
#V[aR_[NY citations
PVaNaV\[` omitted).
\ZVaaRQ$( A
5 recorded
_RP\_QRQ deed
QRRQ of
\S
trust
a_bà is
V` presumed
]_R`bZRQ valid.
cNYVQ( See Utah
HaNU Code
7\QR § 57-4a-4(1). Plaintiff
g .0'-N'-#*$( does not
CYNV[aVSS Q\R` [\a dispute
QV`]baR the
aUR DOT
8BG was
dN`
recorded
_RP\_QRQ with
dVaU the Summit County
aUR FbZZVa 7\b[af Recorder's
ERP\_QR_l` Office. In addition,
BSSVPR( =[ NQQVaV\[& Plaintiff
CYNV[aVSS does
Q\R` not
[\a dispute
QV`]baR that
aUNa
beneficial interests V[
OR[RSVPVNY V[aR_Rà` in the
aUR loan
Y\N[ and
N[Q servicing rights of
`R_cVPV[T _VTUa` \S the loan were
aUR Y\N[ dR_R transferred
a_N[`SR__RQ from
S_\Z FMFC
:@:7 to
a\
other
\aUR_ entities.
R[aVaVR`( "The
iGUR transfer
a_N[`SR_ of
\S any
N[f debt
QROa secured
`RPb_RQ by
Of aN trust
a_bà deed
QRRQ shall
ÙNYY operate
\]R_NaR as
N` aN transfer
a_N[`SR_ of
\S the
aUR
security
`RPb_Vaf therefor."
aUR_RS\_(j Utah
HaNU Code
7\QR Annotated
5[[\aNaRQ § 57-1-35. GUR
g .0h*h,.( The statute
àNabaR does
Q\R` not
[\a provide for
]_\cVQR S\_
exceptions,
RePR]aV\[`& nor
[\_ has
UN` Plaintiff
CYNV[aVSS cited
PVaRQ to
a\ any
N[f case
PN`R law
YNd or
\_ statute
àNabaR that
aUNa says
`Nf` that
aUNa such
`bPU an exception
N[ RePR]aV\[
exists, even when

ReVà`& RcR[ dUR[ viewing UR_ pleadings
cVRdV[T her liberally.
]YRNQV[T` YVOR_NYYf(
By
6f law,
YNd& each
RNPU successor
`bPPR``\_ to
a\ the
aUR loan
Y\N[ also
NY`\ receives
_RPRVcR` the
aUR benefit
OR[RSVa of
\S the
aUR security.
`RPb_Vaf( Under
H[QR_ the
aUR
plain
]YNV[ terms
aR_Z` of
\S the
aUR DOT,
8BG& which
dUVPU Plaintiff
CYNV[aVSS signed,
`VT[RQ& whoever
dU\RcR_ holds
U\YQ` the
aUR loan is R[aVaYRQ
Y\N[ V` entitled to
a\ enforce
R[S\_PR the
aUR
deed
QRRQ of
\S trust.
a_bà( Furthermore,
:b_aUR_Z\_R& Utah
HaNU law
YNd does
Q\R` not
[\a prevent
]_RcR[a MERS from acting
@9EF S_\Z NPaV[T as [\ZV[RR for
N` nominee S\_ the
aUR
lender and
YR[QR_ N[Q those
aU\`R successors
`bPPR``\_` and
N[Q assigns,
N``VT[`& as
N` permitted
]R_ZVaaRQ by
Of the
aUR terms
aR_Z` of
\S the
aUR DOT a\ which
8BG to dUVPU Plaintiff
CYNV[aVSS
NT_RRQ( See Burnett v. Mortgage Elec. Registration Sys., Inc., 706

agreed. 0)/ F.3d 1231, 1237
:(,Q *+,*& *+,0 (10th
#*)aU Cir.
7V_(
.
5
26
2013).
+)*,$( Consequently,
7\[`R^bR[aYf& the
aUR DOT
8BG is
V` valid
cNYVQ and,
N[Q& for
S\_ these
aUR`R reasons,
_RN`\[`& Plaintiff's
CYNV[aVSSl` claims
PYNVZ` for
S\_ declaratory
QRPYN_Na\_f
relief N[Q violations

_RYVRS and cV\YNaV\[` of
\S the Truth V[
aUR G_baU in ?R[QV[T
Lending Act
5Pa fail.
SNVY(
As for claim
5` S\_ PYNVZ two,
ad\& Plaintiff
CYNV[aVSS asserts
N``R_a` she
ÙR is entitled to
V` R[aVaYRQ a\ "discover
iQV`P\cR_ what
dUNa the
aUR true
a_bR loan
Y\N[ balance
ONYN[PR
[is]
LV`M still
àVYY owing
\dV[T minus
ZV[b` any
N[f illegal
VYYRTNY costs,
P\à`& fees
SRR` and
N[Q charges."
PUN_TR`(j Am.
5Z( Compl.
7\Z]Y( at
Na 21.
+*( "[A]n
iL5M[ accounting
NPP\b[aV[T
is
V` aN remedy
_RZRQf rather
_NaUR_ than
aUN[ an
N[ independent
V[QR]R[QR[a cause
PNb`R of NPaV\[(j USAA Mut. Funds Tr. v. Jordanelle
\S action."
Dist.& 2015
Special Serv. Dist., +)*. WL
J? 8489959,
1-122.2& at %2 (D.
Na *9 #8( Utah
HaNU Dec.
8RP( 9, +)*.$#PVaV[T Precision Vascular
2& 2015)(citing
Sys., Inc. v. Sarcos, L.C.,

L.C.& 199
*22 F. Supp. 2d
:( Fb]]( +Q 1181, 1193 (D.
**1*& **2, #8( Utah
HaNU 2002)). Therefore, aN claim
+))+$$( GUR_RS\_R& for an
PYNVZ S\_ N[
accounting
NPP\b[aV[T cannot
PN[[\a survive
`b_cVcR as
N` aN stand-alone cause of
àN[Q'NY\[R PNb`R \S action.
NPaV\[( In
=[ light
YVTUa of
\S the failure of
aUR SNVYb_R \S Plaintiff's
CYNV[aVSSl`
other
\aUR_ claims for declaratory
PYNVZ` S\_ QRPYN_Na\_f relief,
_RYVRS& her claim S\_
UR_ PYNVZ for an NPP\b[aV[T likewise
N[ accounting YVXRdV`R fails.
SNVY`(
II.
==( RESPA
E9FC5 Claims
7YNVZ`
Plaintiff's
CYNV[aVSSl` sixth
`VeaU and
N[Q seventh
`RcR[aU causes
PNb`R` of
\S action
NPaV\[ relate
_RYNaR to
a\ purported
]b_]\_aRQ violations
cV\YNaV\[` of E9FC5*(
\S RESPA1.
In relevant
=[ _RYRcN[a part,
]N_a& RESPA
E9FC5 requires
_R^bV_R` that
aUNa each
RNPU loan
Y\N[ servicer
`R_cVPR_ for
S\_ "any
iN[f federally
SRQR_NYYf related
_RYNaRQ mortgage
Z\_aTNTR loan
Y\N[
shall
ÙNYY notify
[\aVSf the
aUR borrower
O\__\dR_ in
V[ writing
d_VaV[T of
\S any
N[f assignment,
N``VT[ZR[a& sale,
`NYR& or
\_ transfer"
a_N[`SR_j of
\S the
aUR servicing
`R_cVPV[T rights
_VTUa` of
\S
the
aUR loan.
Y\N[( 12
*+ U.S.C.
H(F(7( §
g 2605
+/). (b)(1).
#O$#*$( Notice
A\aVPR to
a\ the
aUR borrower
O\__\dR_ must
Zbà be
OR made
ZNQR within
dVaUV[ 30
,) days
QNf` of
\S the
aUR
change
PUN[TR in
V[ loan
Y\N[ service
`R_cVPR providers.
]_\cVQR_`( See =Q(
Id. at
Na (b)(2)(A)
#O$#+$#5$ and
N[Q (B).
#6$( According
5PP\_QV[T to
a\ the
aUR Milestone
@VYRà\[R
Report,
ER]\_a& Nationstar
ANaV\[àN_ received
_RPRVcRQ seasoned
`RN`\[RQ servicing
`R_cVPV[T rights
_VTUa` on July 2,
\[ >bYf +& 2012. 5Z( Compl.
+)*+( See Am. 7\Z]Y( at
Na
Exhibit .(
9eUVOVa 5. Within
JVaUV[ 15
*. days
QNf` of
\S the
aUR servicing
`R_cVPV[T change,
PUN[TR& Nationstar
ANaV\[àN_ sent
`R[a notice
[\aVPR to
a\ Plaintiff.
CYNV[aVSS( See Am.
5Z(
Compl.
7\Z]Y( at
Na Exhibit 5.
9eUVOVa .(
Independently,
=[QR]R[QR[aYf& when
dUR[ aN loan
Y\N[ service
`R_cVPR provider receives aN QWR,
]_\cVQR_ _RPRVcR` DJE& RESPA requires the
E9FC5 _R^bV_R` aUR loan
Y\N[
servicer
`R_cVPR_ to
a\ respond
_R`]\[Q to
a\ the
aUR written
d_VaaR[ request
_R^bRà within
dVaUV[ 30
,) days.
QNf`( See *+
12 U.S.C.
H(F(7( §
g 2605 (e). GUR_R
+/). #R$( There is
V` no
[\
dispute
QV`]baR of fact that
\S SNPa aUNa Plaintiff
CYNV[aVSS sent
`R[a aN QWR
DJE to
a\ Nationstar
ANaV\[àN_ on
\[ August
5bTbà 9,
2& 2012. 5PP\_QV[T to
+)*+( According a\ Plaintiff,
CYNV[aVSS&
1* Plaintiff
CYNV[aVSS alleges
NYYRTR` Aurora
5b_\_N failed
SNVYRQ to respond to
a\ _R`]\[Q her QWR
a\ UR_ DJE as N` required
_R^bV_RQ by E9FC5( See Am.
Of RESPA. 5Z( Compl.
7\Z]Y(
at
Na 10.
*)( However,
<\dRcR_& Plaintiff
CYNV[aVSS has
UN` failed
SNVYRQ to
a\ name
[NZR Aurora
5b_\_N asN` aN party
]N_af to
a\ this
aUV` action.
NPaV\[( As
5` such,
`bPU& any
N[f
claims
PYNVZ` against
NTNV[à Aurora
5b_\_N are
N_R beyond
ORf\[Q the
aUR reach
_RNPU of
\S this
aUV` court.
P\b_a(
6
/
27
Nationstar
ANaV\[àN_ "promptly"
i]_\Z]aYfj responded
_R`]\[QRQ to
a\ her
UR_ August 2aU QWR
5bTbà 9th DJE on
\[ August +-aU& at
5bTbà 24th, Na least
YRNà 10
*) business
Ob`V[R``
days
QNf` before
ORS\_R the
aUR expiration
Re]V_NaV\[ of
\S the
aUR 30-day
,)'QNf requirement. 5Z( Compl.
_R^bV_RZR[a( See Am. 7\Z]Y( at
Na 11. It is
**( =a V`
uncontroverted
b[P\[a_\cR_aRQ that
aUNa Nationstar,
ANaV\[àN_& as
N` the
aUR loan
Y\N[ servicer, complied with
`R_cVPR_& P\Z]YVRQ dVaU the requirements RESPA.
aUR _R^bV_RZR[a` E9FC5(
Consequently,
7\[`R^bR[aYf& there
aUR_R are
N_R no
[\ genuine
TR[bV[R issue
V``bR of
\S material fact _RYNaRQ
ZNaR_VNY SNPa related to
a\ aN RESPA PYNVZ and
E9FC5 claim N[Q
Plaintiff's
CYNV[aVSSl` sixth
`VeaU and
N[Q seventh
`RcR[aU causes
PNb`R` of
\S actions
NPaV\[` are
N_R without
dVaU\ba merit.
ZR_Va(
III.
===( Negligent
ARTYVTR[a Misrepresentation
@V`_R]_R`R[aNaV\[ and
N[Q Deceit
8RPRVa Claim
7YNVZ
Plaintiff's
CYNV[aVSSl` eight
RVTUa cause
PNb`R of
\S action
NPaV\[ alleges
NYYRTR` negligent
[RTYVTR[a misrepresentation
ZV`_R]_R`R[aNaV\[ and deceit. While
N[Q QRPRVa( JUVYR it
Va
is
V` hard
UN_Q to
a\ decipher,
QRPV]UR_& it
Va appears
N]]RN_` the
aUR basis
ON`V` for
S\_ the claims V`
aUR PYNVZ` is Defendants'
8RSR[QN[a`l representation
_R]_R`R[aNaV\[ that
aUNa the
aUR DOT
8BG
was
dN` valid
cNYVQ in
V[ order
\_QR_ to
a\ induce
V[QbPR Plaintiff
CYNV[aVSS to
a\ make
ZNXR the
aUR agreed-upon
NT_RRQ'b]\[ payments
]NfZR[a` on
\[ the
aUR loan.
Y\N[( See Am.
5Z(
Compl.
7\Z]Y( at
Na 28.
+1( Plaintiff
CYNV[aVSS rests
_Rà` her
UR_ claim
PYNVZ for
S\_ negligent
ZV`_R]_R`R[aNaV\[ on
\[ the
aUR underlying
b[QR_YfV[T belief
ORYVRS
that
aUNa because
ORPNb`R the
aUR DOT identifies MERS
8BG VQR[aVSVR` @9EF as
N` both
O\aU nominee
[\ZV[RR for
S\_ the lender and
aUR YR[QR_ N[Q beneficiary,
OR[RSVPVN_f& then Va is
aUR[ it V`
void.
c\VQ(
There
GUR_R are
N_R two
ad\ issues
V``bR` with
dVaU Plaintiff's
CYNV[aVSSl` negligent
ZV`_R]_R`R[aNaV\[ claim.
PYNVZ( First,
:V_à& under
b[QR_ Utah
HaNU
law aN claim
YNd for negligent
PYNVZ S\_ [RTYVTR[a misrepresentation is subject
ZV`_R]_R`R[aNaV\[ V` `bOWRPa to
a\ aN four
S\b_ year
fRN_ statute
àNabaR of
\S YVZVaNaV\[`( DOIT,
limitations. DOLT,
Inc. v. Touche, Ross & Co, 936

2,/ P.2d
C(+Q 835
1,. (Utah
#HaNU 1996). Second, Plaintiff's
*22/$( FRP\[Q& CYNV[aVSSl` claim
PYNVZ fails N` aN matter
SNVY` as ZNaaR_
of
\S law
YNd because
ORPNb`R she
ÙR has
UN` not established that
[\a RàNOYVÙRQ aUNa the
aUR Defendants
8RSR[QN[a` owed
\dRQ her
UR_ an
N[ independent
V[QR]R[QR[a duty
Qbaf of
\S care.
PN_R(
In essence,
=[ R``R[PR& Plaintiff
CYNV[aVSS asserts,
N``R_a`& back in 2006,
ONPX V[ +))/& she
ÙR was
dN` misled
ZV`YRQ by
Of Defendants
8RSR[QN[a` to
a\ believe
ORYVRcR the
aUR
DOT,
8BG& which
dUVPU was
dN` recorded
_RP\_QRQ that
aUNa same
`NZR year,
fRN_& was
dN` valid.
cNYVQ( However,
<\dRcR_& because
ORPNb`R Plaintiff
CYNV[aVSS was
dN`
purportedly
]b_]\_aRQYf damaged
QNZNTRQ in
V[ 2006,
+))/& she
ÙR needed
[RRQRQ to
a\ file
SVYR suit
`bVa by
Of December
8RPRZOR_ of
\S 2010 in order
+)*) V[ \_QR_ to
a\ comply
P\Z]Yf
with
dVaU the
aUR statute
àNabaR of
\S limitations
YVZVaNaV\[` period. Even if
]R_V\Q( 9cR[ VS she
ÙR did
QVQ not
[\a discovery
QV`P\cR_f the
aUR alleged
NYYRTRQ defects
QRSRPa` with
dVaU the
aUR
DOT
8BG until
b[aVY 2010,
+)*)& when
dUR[ she
ÙR received
_RPRVcRQ the
aUR Notice
A\aVPR of
\S Default,
8RSNbYa& the
aUR period
]R_V\Q had
UNQ already run by
NY_RNQf _b[ Of the
aUR time
aVZR
she
ÙR filed
SVYRQ this
aUV` cause
PNb`R of
\S action.
NPaV\[( Instead,
=[àRNQ& Plaintiff
CYNV[aVSS commenced
P\ZZR[PRQ this
aUV` action
NPaV\[ in
V[ 2018,
+)*1& years
fRN_` after
NSaR_ the
aUR
limitations period
YVZVaNaV\[` ]R_V\Q had
UNQ run.
_b[(
07
28
In
=[ the
aUR alternative,
NYaR_[NaVcR& even
RcR[ if
VS Plaintiff
CYNV[aVSS had
UNQ timely
aVZRYf raised
_NV`RQ the issue, her
aUR V``bR& UR_ claim
PYNVZ still
àVYY fails
SNVY` as
N` aN
matter
ZNaaR_ of
\S law.
YNd( In
=[ order
\_QR_ to
a\ have
UNcR aN successful
`bPPR``SbY cause
PNb`R of
\S action
NPaV\[ for
S\_ negligent
[RTYVTR[a misrepresentation,
ZV`_R]_R`R[aNaV\[& the
aUR
plaintiff
]YNV[aVSS has
UN` the
aUR burden
Ob_QR[ to
a\ prove
]_\cR the
aUR defendant
QRSR[QN[a owed
\dRQ an independent Qbaf
N[ V[QR]R[QR[a duty of care that
\S PN_R aUNa is
V` separate
`R]N_NaR
from aN contractual
S_\Z P\[a_NPabNY obligation. Ass’n
\OYVTNaV\[( See Davencourt at Pilgrims Landing Homeowners Ass 'n v.
Davencourt at Pilgrims Landing, 221

++* P.3d 234 (Utah
C(,Q +,- #HaNU 2009).
+))2$( The
GUR Am.
5Z( Compl.
7\Z]Y( is
V` bereft
OR_RSa of
\S any
N[f
alleged
NYYRTRQ facts
SNPa` regarding
_RTN_QV[T an independent Qbaf
N[ V[QR]R[QR[a duty of care. Without
\S PN_R( JVaU\ba such details, there
`bPU QRaNVY`& is an
aUR_R V` N[ absence
NO`R[PR of
\S
evidence
RcVQR[PR to
a\ support
`b]]\_a Plaintiff's
CYNV[aVSSl` eight
RVTUa cause
PNb`R of
\S action
NPaV\[ and
N[Q therefore,
aUR_RS\_R& summary
`bZZN_f judgment
WbQTZR[a is
V`
warranted.
dN__N[aRQ(
IV.
=I( Intentional
=[aR[aV\[NY Infliction
=[SYVPaV\[ of Emotional Distress
\S 9Z\aV\[NY 8Và_R`` Claim
7YNVZ ("IIED")
#i==98j$
Defendants
8RSR[QN[a` argue
N_TbR Plaintiff's IIED claim
CYNV[aVSSl` ==98 PYNVZ fails
SNVY` for
S\_ two
ad\ reasons:
_RN`\[`3 (1)
#*$ Plaintiff
CYNV[aVSS failed
SNVYRQ to
a\ plead
]YRNQ
the
aUR necessary elements and
[RPR``N_f RYRZR[a` N[Q (2) even VS
#+$ RcR[ if the
aUR pleading requirement had
]YRNQV[T _R^bV_RZR[a UNQ been
ORR[ satisfied,
`NaV`SVRQ& the
aUR claim is
PYNVZ V`
barred.
ON__RQ( See Defendants'
8RSR[QN[a`l Motion
@\aV\[ at
Na 8. The court
1( GUR P\b_a agrees.
NT_RR`(
To
G\ succeed
`bPPRRQ on
\[ aN claim
PYNVZ of intentional V[SYVPaV\[
\S V[aR[aV\[NY infliction of
\S emotional
RZ\aV\[NY distress, ]YNV[aVSS must
QVà_R``& aN plaintiff Zbà
demonstrate
QRZ\[à_NaR that
aUNa the
aUR defendant intentionally engaged
QRSR[QN[a V[aR[aV\[NYYf R[TNTRQ in
V[ some conduct toward
`\ZR P\[QbPa a\dN_Q the
aUR plaintiff,
]YNV[aVSS& (a)
#N$
with
dVaU the
aUR purpose
]b_]\`R of inflicting emotional
\S V[SYVPaV[T RZ\aV\[NY distress,
QVà_R``& or,
\_& (b)
#O$ where
dUR_R any
N[f reasonable
_RN`\[NOYR person
]R_`\[ would
d\bYQ have
UNcR
known that
X[\d[ aUNa such
`bPU would
d\bYQ result;
_R`bYa4 and
N[Q his
UV` actions
NPaV\[` are
N_R of
\S such
`bPU aN nature
[Nab_R as
N` to
a\ be considered outrageous
OR P\[`VQR_RQ \ba_NTR\b`
and
N[Q intolerable
V[a\YR_NOYR in
V[ that
aUNa they
aURf offend
\SSR[Q against
NTNV[à the
aUR generally
TR[R_NYYf accepted
NPPR]aRQ standards
àN[QN_Q` of
\S decency
QRPR[Pf and
N[Q
Z\_NYVaf( See Franco v. Church of

morality. of Jesus Christ of
of Latter-day Saints,
Saints& 21
+* P.3d
C(,Q 198,
*21& 206
+)/ (Utah
#HaNU
2001).
+))*$( To
G\ be
OR considered
P\[`VQR_RQ outrageous,
\ba_NTR\b`& "the
iaUR conduct
P\[QbPa must
Zbà evoke
Rc\XR outrage
\ba_NTR or
\_ revulsion; it must
_RcbY`V\[4 Va Zbà be
OR
more
Z\_R than
aUN[ unreasonable,
b[_RN`\[NOYR& unkind,
b[XV[Q& or
\_ unfair."
b[SNV_(j Franco, 21
+* P.3d
C(,Q at
Na 206 (internal quotations
+)/ #V[aR_[NY ^b\aNaV\[` omitted)
\ZVaaRQ$
(quoting
#^b\aV[T 86 7(>(F( Torts §
1/ C.J.S. 70, at
g 0)& 722). Conduct
Na 0++$( 7\[QbPa "is
iV` not
[\a necessarily
[RPR``N_VYf outrageous
\ba_NTR\b` merely
ZR_RYf because it
ORPNb`R Va
is
V` tortious,
a\_aV\b`& injurious,
V[Wb_V\b`& or
\_ malicious,
ZNYVPV\b`& or
\_ because
ORPNb`R it
Va would
d\bYQ give
TVcR rise
_V`R to
a\ punitive
]b[VaVcR damages,
QNZNTR`& or
\_ because
ORPNb`R
8
1
29
it
Va is
V` illegal."
VYYRTNY(j Id. (quoting
#^b\aV[T 86 7(>(F( Torts §
1/ C.J.S. 70, at
g 0)& Na 722-23).
0++h+,$( Independent
=[QR]R[QR[a of
\S the
aUR conduct,
P\[QbPa& IIED
==98
claims
PYNVZ` are
N_R subject
`bOWRPa to
a\ aN four-year
S\b_'fRN_ statute
àNabaR of
\S limitations.
YVZVaNaV\[`( See Utah
HaNU Code
7\QR § 78-12-25(3).
g 01'*+'+.#,$(
Because
6RPNb`R statute
àNabaR of limitations questions
\S YVZVaNaV\[` ^bRàV\[` are
N_R aN threshold
aU_RÙ\YQ issue,
V``bR& the
aUR court
P\b_a begins
ORTV[` here.
UR_R(
Under
H[QR_ Utah
HaNU law, IIED claims
YNd& ==98 PYNVZ` must
Zbà be
OR brought
O_\bTUa within
dVaUV[ four-years
S\b_'fRN_` of
\S the
aUR events
RcR[a` giving
TVcV[T rise
_V`R to
a\ the
aUR
action. Id(4 see also Hatch v. Davis,

NPaV\[( See Id.; Davis& 102
*)+ P.3d
C(,Q 774,
00-& 784 #HaNU Ct.
01- (Utah 7a( App.
5]]( 2004). Specifically,
+))-$( F]RPVSVPNYYf&
"[a]
iLNM tort
a\_a cause
PNb`R of
\S action
NPaV\[ accrues
NPP_bR` when
dUR[ all
NYY its
Va` elements come V[a\
RYRZR[a` P\ZR into being
ORV[T and
N[Q the claim is
aUR PYNVZ V`
NPaV\[NOYR(j Id.
actionable."
Plaintiff claims she

CYNV[aVSS PYNVZ` ÙR suffered emotionally as
`bSSR_RQ RZ\aV\[NYYf N` aN result
_R`bYa of
\S Defendants'
8RSR[QN[a`l demands
QRZN[Q` that
aUNa she
ÙR
bring
O_V[T her loan current
UR_ Y\N[ Pb__R[a or face Y\`V[T
\_ SNPR UR_ home.
losing her U\ZR( See Am.
5Z( Compl.
7\Z]Y( at
Na 29. Taking Plaintiff's
+2( GNXV[T CYNV[aVSSl`
version
cR_`V\[ of
\S the
aUR facts
SNPa` as
N` true, foreclosure proceedings
a_bR& S\_RPY\`b_R ]_\PRRQV[T` commenced
P\ZZR[PRQ in January of
V[ >N[bN_f \S 2010
+)*) when
dUR[ the
aUR
Notice
A\aVPR of
\S Default
8RSNbYa was
dN` recorded in FbZZVa
_RP\_QRQ V[ Summit County.
7\b[af( See Am.
5Z( Compl.
7\Z]Y( at
Na 9.
2( That
GUNa same
`NZR month,
Z\[aU& aN
Notice
A\aVPR of
\S Rescission
ER`PV``V\[ was
dN` recorded.
_RP\_QRQ( According
5PP\_QV[T to
a\ Plaintiff,
CYNV[aVSS& foreclosure
S\_RPY\`b_R proceedings
]_\PRRQV[T` have
UNcR yet
fRa to
a\
be
OR renewed.
_R[RdRQ( As
5` aN result,
_R`bYa& Plaintiff
CYNV[aVSS needed
[RRQRQ to
a\ file
SVYR her IIED claim
UR_ ==98 PYNVZ by
Of the latest in
aUR YNaRà V[ 2014.
+)*-( Plaintiff
CYNV[aVSS
did
QVQ not
[\a do
Q\ this
aUV` and
N[Q waited
dNVaRQ until
b[aVY 2018
+)*1 to
a\ bring
O_V[T forth
S\_aU her PYNVZ( Consequently,
UR_ claim. 7\[`R^bR[aYf& Plaintiff's
CYNV[aVSSl` ninth
[V[aU
cause
PNb`R of
\S action
NPaV\[ for ==98 claim
S\_ IIED is barred.
PYNVZ V` ON__RQ(
V.
I( Plaintiff's
CYNV[aVSSl` Motion
@\aV\[
Plaintiff's
CYNV[aVSSl` Motion
@\aV\[ does
Q\R` not
[\a establish
RàNOYVÙ genuine
TR[bV[R issues
V``bR` of
\S material facts that
ZNaR_VNY SNPa` aUNa are in QV`]baR(
N_R V[ dispute.
Plaintiff
CYNV[aVSS asserts
N``R_a` she
ÙR timely
aVZRYf and
N[Q properly
]_\]R_Yf served
`R_cRQ requests
_R^bRà` for
S\_ admission
NQZV``V\[ on
\[ Defendants
8RSR[QN[a` and
N[Q
because
ORPNb`R Defendants
8RSR[QN[a` failed
SNVYRQ to
a\ timely
aVZRYf respond
_R`]\[Q to
a\ those
aU\`R requests,
_R^bRà`& she
ÙR has
UN` proven
]_\cR[ the
aUR DOT is void.
8BG V` c\VQ(
Defendants
8RSR[QN[a` claim
PYNVZ they
aURf did
QVQ not
[\a receive
_RPRVcR Plaintiff's
CYNV[aVSSl` discovery
QV`P\cR_f requests.
_R^bRà`( Defendants
8RSR[QN[a` communicated
P\ZZb[VPNaRQ
as
N` much
ZbPU to
a\ Plaintiff
CYNV[aVSS in
V[ writing
d_VaV[T via email and
cVN RZNVY N[Q asked
N`XRQ her
UR_ to
a\ resend
_R`R[Q those requests to
aU\`R _R^bRà` a\ them
aURZ via
cVN email.
RZNVY(
Plaintiff
CYNV[aVSS did
QVQ not.
[\a(
Even
9cR[ if
VS Plaintiff
CYNV[aVSS had
UNQ properly
]_\]R_Yf and
N[Q timely
aVZRYf served
`R_cRQ her
UR_ discovery requests, it
QV`P\cR_f _R^bRà`& Va would
d\bYQ not
[\a
9
2
30
Case 2:18-cv-00196-RJS-DBP Document 37 Filed 08/14/19 Page 10

10 of 10
change
PUN[TR the
aUR outcome
\baP\ZR because
ORPNb`R Plaintiff's
CYNV[aVSSl` Motion
@\aV\[ merely
ZR_RYf raises
_NV`R` arguments
N_TbZR[a` about
NO\ba the
aUR DOT
8BG that
aUNa have
UNcR
been
ORR[ rejected
_RWRPaRQ by
Of this
aUV` District
8Và_VPa and
N[Q the
aUR Utah
HaNU State
FaNaR Courts.
7\b_a`( Therefore,
GUR_RS\_R& Plaintiff's
CYNV[aVSSl` Motion
@\aV\[ must
Zbà be
OR
denied.
QR[VRQ(
RECOMMENDATIONS
0)'/--).(&2,/.1
For
:\_ the
aUR reasons
_RN`\[` discussed
QV`Pb``RQ above,
NO\cR& this 7\b_a RECOMMENDS
aUV` Court 0)'/--).(1 the
aUR District
8Và_VPa Court:
7\b_a3
1.
*( GRANT Defendants'
+0&.2 8RSR[QN[a`l Motion.
@\aV\[( (ECF
#97: No.
A\( 19.)
*2($
2.
+( DENY Plaintiff's Motion.
().4 CYNV[aVSSl` @\aV\[( (ECF
#97: No.
A\( 25.)
+.($
3.
,( ().4 Defendants'
DENY 8RSR[QN[a`l Motion a\ Strike.
@\aV\[ to Fa_VXR( (ECF
#97: No.
A\( 33.)
,,($
4.
-( FIND MOOT
*,.( -//2 Plaintiff's
CYNV[aVSSl` Motion
@\aV\[ to
a\ File #97: No.
Fb_'_R]Yf( (ECF
:VYR aN Sur-reply. A\( 34.)
,-($
Copies
7\]VR` of
\S the foregoing Report
aUR S\_RT\V[T ER]\_a and Recommendation are
N[Q ERP\ZZR[QNaV\[ N_R being
ORV[T sent
`R[a to
a\ all
NYY parties
]N_aVR` who
dU\ are
N_R
hereby
UR_ROf notified
[\aVSVRQ of
\S their
aURV_ right
_VTUa to
a\ object.
\OWRPa( Within 8:>;=779 (14)
JVaUV[ fourteen "$%# days
65?< of
\S being
ORV[T served
`R_cRQ with
dVaU aN copy,
P\]f&
any
N[f party
]N_af may
ZNf serve
`R_cR and file written
N[Q SVYR d_VaaR[ objections.
\OWRPaV\[`( See Fed.
:RQ( R.
E( Civ.
7Vc( P.
C( 72(b)(2). Failure to
0+#O$#+$( :NVYb_R a\ object
\OWRPa
may
ZNf constitute
P\[àVabaR aN waiver
dNVcR_ of
\S objections
\OWRPaV\[` upon
b]\[ subsequent
`bO`R^bR[a review.
_RcVRd(
Dated
8NaRQ this *-aU day
aUV` 14th QNf of
\S August,
5bTbà& 2019.
+)*2(
BY
6K THE
G<9 COURT..
7BHEG3
Dus in B.
8bàV[ P ad
6( CRNQ
United St. es @NTVà_NaR
H[VaRQ FaNaR` Ma strate Judge
>bQTR
10
*)
31
Case 2:18-cv-00196-RJS Document 40 Filed 09/30/19 Page 1 of 9
IN THE UNITED STATES DISTRICT COURT
FOR THE DISTRICT OF UTAH
CAROL MASTERSON, ORDER OVERRULING OBJECTION

AND DIMISSING CASE WITH
Plaintiff, PREJUDICE
v. Case No. 2:18-cv-196-RJS-DBP
NATIONSTAR MORTGAGE, LLC, et al., Chief Judge Robert J. Shelby
Defendants. Magistrate Judge Dustin B. Pead
Eb_ cU E\QY^dYVV 9Qb_\ BQcdUbc_^ Y^YdYQdUT dXYc QSdY_^ _^ BQbSX -( -+,3*1 IXU e^TUbcYWÛT
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Carol Masterson Appeal Reply Brief

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Carol Masterson Appeal Reply Brief

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Appellate Case: 19-4146 Document: 010110298190 Date Filed: 01/31/2020 Page: 1

NATIONSTAR MORTGAGE LLC, e al.,

APPELLEES' OPENING BRIEF

CER IFICA E OF IN ERES ED PAR IES

The f ll i g a ie i hi a eal ha e ei ee i a ela i hi

1. Na i a M gage LLC (N ) i a Dela a e Li i ed Liabili

2. Na i a i a i di ec , h ll - ed b idia fa blicl - aded

(S 1) (99%) a d (2) Na i a S b2 LLC (S 2) (1%). B h S b1 a d S b2 a e

Dela a e li i ed liabili c a ie . S b1 a d S b2 a e b h 100% ed b

Na i a M gage H ldi g I c. (NSM H ). NSM H ldi g i a h ll -

f De che Ba k H ldi g , I c., hich i a h ll ed b idia f De che

Ba k T C ai , hich i a h ll ed b idia f DB USA

C ai , hich i a h ll ed b idia f De che Ba k AG, a blicl

held ba ki g c ai ga i ed de he la f he Fede al Re blic f

6. N blicl held c a 10% e f De che Ba k AG

7. M gage Elec ic Regi ai S e , I c. (MERS) i a h ll -

ed b idia f MERSCORP H ldi g , I c.

8. MERSCORP H ldi g , I c. i ed b ICE M gage Se ice , LLC.

9. ICE M gage Se ice , LLC i ed b I e c i e al E cha ge,

I c., a blicl -held c ai .

CERTIFICATE OF INTERESTED PARTIES ......................................................... i

STATEMENT OF RELATED CASES .....................................................................1

JURISDICTIONAL STATEMENT ..........................................................................1

STATEMENT OF THE ISSUES...............................................................................2

STATEMENT OF THE CASE ..................................................................................2

RELEVANT FACTS AND PROCEDURAL HISTORY .........................................3

STANDARD OF REVIEW .......................................................................................8

SUMMARY OF THE ARGUMENT ........................................................................8

I. THE DISTRICT COURT PROPERLY GRANTED APPELLEES

B. The di ic c el f d he deed f i alid a d

C. Thi c h ld c ide M . Ma e ' i e e e ed

CERTIFICATE OF SERVICE ................................................................................19

CERTIFICATE OF COMPLIANCE .......................................................................20

CERTIFICATE OF DIGITAL SUBMISSION .......................................................21

ATTACHMENT 1 Magi a e' Re a d Rec e da i

ATTACHMENT 2 Di ic C ' O de O e li g Objec i

ATTACHMENT 3 J dg e Filed Se e be 30, 2019 41

ABLE OF A HORI IES

28 U.S.C. 1291 .........................................................................................................i

28 U.S.C. 1332 .........................................................................................................i

Fed. R. A . P. 32(a)(5) ...........................................................................................19

Fed. R. A . P. 32(a)(6) ...........................................................................................19

Fed. R. A . P. 32(a)(7) ...........................................................................................19

S A EMEN OF RELA ED CASES

J RISDIC IONAL S A EMEN

The di ic c had j i dic i de 28 U.S.C. 1332 beca e he e i

$75,000. A ella Ca l Ma e i a U ah ci i e , Na i a M gage LLC

d/b/a M . C e (M . C ) i a Dela a e ci i e , De che Ba k T

C a a T ee f he Re ide ial Acc edi L a , I c. M gage A e -

Backed Pa -Th gh Ce ifica e , Se ie 2007-QH1 (D B ) i a Ne

Y k ci i e , a d M gage Elec ic Regi ai S e , I c. (MERS) i a

Thi c ha j i dic i de 28 U.S.C. 1291. The di ic c e e ed

a fi al j dg e i a ellee ' fa Se e be 30, 2019. (R. V l. II, 178.) M .

Ma e iced he a eal Oc be 17, 2019. (I . a 179-82.)

Ma e ' clai , fi di g he deed f i alid a d M . C e i e i led

2. Whe he he di ic c el c ed a ellee ' i f

a ellee ' c el i cl ded a ae e a ellee e e ecei ed M .

i e ac a g e f a eal b faili g ai e he bel a df he faili g

b ief he i e bef e hi a ella e c .

M . Ma e ' a e ded c lai alleged M . C e i e i led

e f ce he $1.4 illi i e he e ec ed a d he deed f ec i g

i , ba ed a ed lack f ec ded deed f a ig e . (R. V l. I, 149-

61, 52-102.) Th e alleged i eg la i ie a e i ele a beca e M . C e h ld

he igi al e, i d ed i bla k, (I . a 291 a 3-4; 292-99) a d i e i led