W. Frazer v. Deutsche Bank National Trust C

MEMORANDUM

Chapter 7 debtors W. Mark Frazer and Konilynn Frazer appeal pro se from the district court’s judgment affirming the bankruptcy court’s summary judgment dismissing the Frazers’ adversary proceeding against Deutsche Bank National Trust Company. We have jurisdiction under 28 U.S.C. § 158 (d). We review independently the bankruptcy court’s decision without deference to the district court’s determinations. Leichty v. Neary (In re Strand), 375 F.3d 854, 857 (9th Cir.2004). We review de novo the bankruptcy court’s conclusions of law and for clear error its factual findings. Id. We affirm.

The bankruptcy court properly granted summary judgment to appellee Deutsche Bank National Trust because the Frazers’ loan is in default, and appellee had physical possession of the mortgage note indorsed in blank and therefore had the power to enforce the mortgage note. See Wash. Rev.Code § 61.24.030(7) (a declaration by the beneficiary stating that the beneficiary is the actual holder of the promissory note or other obligation secured by the deed of trust shall be sufficient proof for nonjudicial foreclosure); Trujillo v. Nw. Tr. Servs., Inc., 181 Wash.App. 484 , 326 P.3d 768, 774 (2014)…