U.S. Court of Appeals for the Ninth Circuit, 2019

David Bushlow v. Mtc Financial, Inc.

David Bushlow v. Mtc Financial, Inc.
U.S. Court of Appeals for the Ninth Circuit · Decided May 29, 2019

David Bushlow v. Mtc Financial, Inc.

Opinion

NOT FOR PUBLICATION FILED UNITED STATES COURT OF APPEALS MAY 29 2019 MOLLY C. DWYER, CLERK U.S. COURT OF APPEALS FOR THE NINTH CIRCUIT DAVID ERIC BUSHLOW, No. 18-16687 Plaintiff-Appellant, D.C. No. 5:17-cv-06771-VKD v. MEMORANDUM* MTC FINANCIAL, INC., DBA Trustee Corp, Inc., Defendant-Appellee.

Appeal from the United States District Court for the Northern District of California Virginia K. DeMarchi, Magistrate Judge, Presiding** Submitted May 21, 2019*** Before: THOMAS, Chief Judge, LEAVY and FRIEDLAND, Circuit Judges.

David Eric Bushlow appeals pro se from the district court’s judgment dismissing his action alleging Fair Debt Collection Practices Act (“FDCPA”)

* This disposition is not appropriate for publication and is not precedent except as provided by Ninth Circuit Rule 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). claims against the foreclosure trustee. We have jurisdiction under 28 U.S.C. § 1291. We review de novo a dismissal under Federal Rule of Civil Procedure 12(b)(6) for failure to state a claim. Kwan v. SanMedica Int’l, 854 F.3d 1088, 1093 (9th Cir. 2017). We affirm.

The district court properly dismissed Bushlow’s FDCPA claim under 15 U.S.C. § 1692f(6) because Bushlow failed to allege facts sufficient to show that defendant’s conduct was unfair or unconscionable. See 15 U.S.C. § 1692f(6) (prohibiting unfair or unconscionable conduct in enforcing a security interest); Dowers v. Nationstar Mortg., LLC, 852 F.3d 964, 971 (9th Cir. 2017) (discussing protections for borrowers set forth in § 1692f(6)); see also 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)).

The district court properly dismissed Bushlow’s remaining FDCPA claims because defendant is not a debt collector except under 15 U.S.C. § 1692f(6). See Obduskey v. McCarthy & Holtus, LLP, 139 S. Ct. 1029, 1038 (2019) (“[B]ut for § 1692f(6), those who engage in only nonjudicial foreclosure proceedings are not debt collectors within the meaning of the [FDCPA].”); Dowers, 852 F.3d at 970 (explaining that “while the FDCPA regulates security interest enforcement activity,

2 18-16687 it does so only through Section 1692f(6)”).

AFFIRMED.

3 18-16687

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