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Wilbur-Cedric-Samuel v. Fed. National Mort. Assoc.

United States District Court, E.D. Missouri

November 12, 2014

SOLOMON: WILBUR-CEDRIC-SAMUEL, Plaintiff,
v.
FED. NATIONAL MORT. ASSOC., et al., Defendants.

MEMORANDUM AND ORDER

CATHERINE D. PERRY, District Judge.

This matter is before the Court upon the motion of plaintiff for leave to commence this action without prepayment of the filing fee pursuant to 28 U.S.C. § 1915. Upon consideration of the financial information provided with the motion, the Court finds that plaintiff is financially unable to pay any portion of the filing fee. As a result, plaintiff will be granted leave to proceed in forma pauperis pursuant to 28 U.S.C. § 1915. Additionally, the Court has reviewed the complaint and will dismiss it pursuant to Federal Rule of Civil Procedure 12(h)(3) and 28 U.S.C. § 1915(e)(2)(B).

28 U.S.C. § 1915(e)

Pursuant to 28 U.S.C. § 1915(e)(2)(B), the Court must dismiss a complaint filed in forma pauperis if the action is frivolous, malicious, fails to state a claim upon which relief can be granted, or seeks monetary relief from a defendant who is immune from such relief. An action is frivolous if it "lacks an arguable basis in either law or fact." Neitzke v. Williams, 490 U.S. 319, 328 (1989). An action is malicious if it is undertaken for the purpose of harassing the named defendants and not for the purpose of vindicating a cognizable right. Spencer v. Rhodes, 656 F.Supp. 458, 461-63 (E.D. N.C. 1987), aff'd 826 F.2d 1059 (4th Cir. 1987).

To determine whether an action fails to state a claim upon which relief can be granted, the Court must engage in a two-step inquiry. First, the Court must identify the allegations in the complaint that are not entitled to the assumption of truth. Ashcroft v. Iqbal, 129 S.Ct. 1937, 1950-51 (2009). These include "legal conclusions" and "[t]hreadbare recitals of the elements of a cause of action [that are] supported by mere conclusory statements." Id. at 1949. Second, the Court must determine whether the complaint states a plausible claim for relief. Id. at 1950-51. This is a "context-specific task that requires the reviewing court to draw on its judicial experience and common sense." Id. at 1950. The plaintiff is required to plead facts that show more than the "mere possibility of misconduct." Id. The Court must review the factual allegations in the complaint "to determine if they plausibly suggest an entitlement to relief." Id. at 1951. When faced with alternative explanations for the alleged misconduct, the Court may exercise its judgment in determining whether plaintiffs conclusion is the most plausible or whether it is more likely that no misconduct occurred. Id. at 1950, 51-52.

Plaintiff's Complaint and Request for Temporary Restraining Order

Plaintiff brings this action under several federal and state laws. He asserts that this Court has both federal question jurisdiction under a myriad of federal statutes, as well as diversity jurisdiction. See 28 U.S.C. §§ 1331 and 1332. Named as defendants are: Federal National Mortgage Association; First Horizon Home Loans; C.D. Adams Financial Group, LLC; David Benson; William C. Losch, III; and John Does 1-100.

Plaintiff alleges that he is the "accommodating party"[1] for mortgagors, Ginger and Walter Solomon (collectively referred hereafter as "the Solomons"). He states that the Solomons entered into a mortgage with First Horizon Home Loan Corporation on August 8, 2003. As security for the note on the mortgage, the Solomons signed a Deed of trust in favor of Adams Financial Group, LLC, encumbering the property at 3085 Steed Drive, Florissant, Missouri 63033. It appears that Adams Financial Group assigned the Deed of Trust to First Horizon Home Loans.

On July 24, 2013, the Circuit Court of St. Louis County entered a judgment in Case No. 13SL-CC00751, First Horizon Home Loans v. Walter Solomon (21st Judicial Circuit, St. Louis County). The final judgment quieted title in favor of First Horizon, allowing First Horizon to have a priority lien on the Deed of Trust.

At some unspecified date, the Solomons defaulted on the Note. The property was apparently sold at foreclosure sale to Federal National Mortgage Association ("Fannie Mae"), who then instituted unlawful detainer proceedings[2]against the Solomons on December 17, 2013 in St. Louis County Court. Federal National Mortgage Association v. Walter Solomon, Case No. 13SL-AC39970 (21st Judicial Circuit, St. Louis County). The state court granted the unlawful detainer action to Fannie Mae on October 28, 2014, and ordered eviction proceedings before November 17, 2014. Id.

Plaintiff asserts that the Sheriffs Department is attempting to evict him and the Solomons from the property on today's date, and he requests that the Court enter a mandatory restraining order prohibiting the Sheriff from proceeding with the eviction proceedings.

The complaint also brings claims against defendants for breach of contract, lack of consideration, unjust enrichment, fraud/fraud in the inducement and conversion. On behalf of the Solomons, plaintiff seeks money damages and a judgment declaring that the Solomons are the owner of the property free and clear of any liens.

Discussion

The Court lacks subject matter jurisdiction over the complaint because actions challenging state court foreclosure proceedings are barred by the Rooker-Feldman doctrine. Postma v. First Federal Savings & Loan of Sioux City, 74 F.3d 160, 162 (8th Cir. 1996); Wright v. Tackett, 39 F.3d 155 (7th Cir. 1994) (action alleging conspiracy to violate civil rights in connection with foreclosure barred by Rooker-Feldman). As a result, the Court must dismiss this action under Rule ...


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