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Raybould v. JPMorgan Chase Bank, N.A.

United States District Court, D. Oregon, Eugene Division

November 12, 2014


Dennis Raybould, Plaintiff, Pro se, Florence, OR.

Diane Raybould, Plaintiff, Pro se, Florence, OR.

For JPMorgan Chase Bank N.A., Defendant: Michael J. Farrell, Bruce C. Hamlin, Martin Bischoff Templeton Langslet & Hoffman, Portland, OR.


THOMAS M. COFFIN, United States Magistrate Judge.


Pro se plaintiffs bring several claims in this action connected to their home loan. Plaintiffs Diane and Dennis Raybould originally took out a loan from Chase Bank.[1] They together executed a Note and Deed of Trust. The Note and Deed of Trust were thereafter assigned to defendant JPMorgan Chase Bank, N.A. and a successor trustee was appointed.

Defendant JPMorgan previously moved to dismiss plaintiff's five causes of action for failure to state a claim, and alternatively moved to make the complaint more definite and certain. Plaintiff's claim for violation of the Fair Debt Collection Practices Act (FDCPA) was dismissed with prejudice as plaintiffs did not address the persuasive motion to dismiss that claim and the activity of foreclosing on property pursuant to a deed of trust is not the collection of a debt within the meaning of the FDCPA. See, Hulse v. Ocwen Fed. Bank, FSB, 195 F.Supp.2d 1188, 1204 (D. Or. 2002).

This court found that the remainder of the complaint was difficult to follow, and, as defendant noted, the request for declaratory relief was not clear. Pro se plaintiffs opposed the motion to dismiss, but in the alternative requested the opportunity to amend. Plaintiffs were allowed to amend their complaint one time but were first required to carefully consider the motion to dismiss that noted several potential deficiencies in plaintiffs' claims.

Presently before the court are defendants' motions (#24, #28) to dismiss.[2] For the reasons discussed below, the motions to dismiss should be allowed and this action should be dismissed.


The Federal Rules of Civil Procedure provide for dismissal for " failure to state a claim upon which relief can be granted." Fed.R.Civ.P. 12 (b)(6). In considering a motion to dismiss made pursuant to 12(b)(6), the court views well pleaded factual allegations as true, but also requires the complaint to contain enough facts to state a claim that is plausible on its face. Bell Atlantic v. Twombly, 550 U.S. 544, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007) (concluding that prior review standard --affirming dismissal only when it appears beyond doubt that plaintiffs can prove " no set of facts" in support of their claim that would entitle them to relief -- " has earned its retirement.")

The requirements for pleading a federal claim in federal court were recently set forth in Ashcroft v. Iqbal, 556 U.S. 662, 129 S.Ct. 1937, 173 L.Ed.2d 868 (2009):

As the Court held in Twombly, 550 U.S. 544, 127 S.Ct. 1955, 167 L.Ed.2d 929, the pleading standard Rule 8 announces does not require 'detailed factual allegations, ' but it demands more than an unadorned, the-defendant-unlawfully-harmed-me accusation.... To survive a motion to dismiss, a complaint must contain sufficient factual matter, accepted as true, to 'state a claim for relief that is plausible on its face.' A claim has facial plausibility when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged.

Id. at 1949.


Plaintiffs First Amended Complaint reasserted their FDCPA claim. It should be dismissed as it was previously dismissed by the District Court and for the reasons noted above.

A careful review of the allegations of the First Amended Complaint indicates that each of plaintiffs' other claims depend on a pending foreclosure sale as a basis for the relief sought. As there is no pending foreclosure sale, the claims should be dismissed.

Plaintiffs alleges that no sale has taken place and that a sale is not currently scheduled. Paragraph 1 of First Amended Complaint.

Oregon law does not recognize a claim for relief for wrongful attempted foreclosure, and this court does not endorse the creation of a new cause of action. As District of Oregon Magistrate Judge Stewart held:

Oregon does not recognize a claim for a wrongfully attempted foreclosure:
'If the foreclosure process had not been aborted prior to sale, plaintiffs could possibly pursue a claim for wrongful foreclosure under Oregon's nonjudicial foreclosure statutes based on the invalid assignment allegations. Without an actual foreclosure, however, it may be that plaintiffs have no remedy for the alleged initiation of the foreclosure process by the wrong entity.'
Hulse v. Ocwen Fed. Bank, FSB, 195 F.Supp.2d 1188, 1204 n. 5 (D. Or. 2002).
Oregon law is in accord with 'the overwhelming majority of states' which do not recognize a claim for wrongful attempted foreclosure. Santos v. Countrywide Home Loans, 2009 WL 3756337, at *3 (E.D. Cal. Nov. 6, 2009).

Tabb v. One West Bank FSB, No. 10-CV-855-ST, 2011 WL 4448752, at *8-9 (D. Or. Aug 26, 2011). Neither the Oregon legislature nor the Oregon appellate courts have endorsed such a cause of action.

Further, all of plaintiffs' claims for relief are moot because the time for a sale under a February 23, 2012, notice of default has long since lapsed. Under Oregon law, anon-judicial foreclosure sale can be postponed " for one or more periods totaling not more than 180 days from the original sale date." ORS 86.755(2). This 180-day period ran from June 22, 2012, to approximately December 19, 2012. Therefore, under Oregon law, there is no way for Chase to conduct a non-judicial foreclosure Page 4 -- FINDINGS and RECOMMENDATION sale on the basis of the February 23, 2012 notice of default. Neither plaintiffs nor Chase contend otherwise. In fact, the notice of sale has been rescinded. (Hamlin Decl. Exh. 6 to #7).

Plaintiffs state that the matter has " been referred to RCO for foreclosure" (First Amended Complaint ¶ 1). Even if true, that is not a circumstance that gives rise to a claim by plaintiffs. A debt collection letter to plaintiff does not amount to the initiation of anon-judicial-foreclosure sale. See ORS 86.710 et seq.

To the extent plaintiffs' claims concern alleged defects in that sale initiated by the February 23, 2012 notice, and ultimately seek to enjoin or cancel a foreclosure sale, plaintiffs' claims are entirely moot. Courts in the District of Oregon considering this issue have routinely dismissed cases or claims where there is no way for a ...

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