Chavez

NOT FOR PUBLICATION FILED

UNITED STATES COURT OF APPEALS FEB 3 2026

MOLLY C. DWYER, CLERK

U.S. COURT OF APPEALS

FOR THE NINTH CIRCUIT

VANESSA CHAVEZ, No. 25-8 D.C. No. Plaintiff - Appellant, 3:23-cv-08024-GMS v.

MEMORANDUM*

FORD MOTOR CREDIT COMPANY

LLC; WIRB INCORPORATED, doing business as Western International Recovery Bureau,

Defendants - Appellees.

Appeal from the United States District Court for the District of Arizona G. Murray Snow, District Judge, Presiding

Argued and Submitted January 8, 2026 Phoenix, Arizona

Before: HAWKINS, RAWLINSON, and BRESS, Circuit Judges.

Plaintiff Vanessa Chavez (“Chavez”) appeals the district court’s grant of

summary judgment in favor of defendants Ford Motor Credit Company, LLC

(“Ford”) and WIRB, Inc. (“WIRB”). Chavez claims Ford illegally repossessed her

* This disposition is not appropriate for publication and is not precedent except as provided by Ninth Circuit Rule 36-3. vehicle in breach of the peace, violating the Fair Debt Collection Practices Act

(“FDCPA”), 15 U.S.C. § 1692f, and an Arizona self-help statute, A.R.S. §…