Santoro
Santoro v. CTC Foreclosure Service Corp.
Opinion
Lead Opinion
*477 MEMORANDUM
Joseph and Grace Santoro brought an action alleging violations of the state and federal Fair Debt Collection Practices Act (“FDCPA”), and the federal and state Truth In Lending Acts (“TILAs”) against a loan servicing company, Countrywide Funding Corporation (“Countrywide”), and the substituted trustee, CTC Foreclosures Services (“CTC”). The district court granted summary judgment in favor of the defendants with respect to several claims and gave the plaintiffs leave to file an amended complaint. Following the Santo-ros filing of an amended complaint, the district court dismissed the remaining claims pursuant to Fed.R.Civ.P. 12(b)(6). We have jurisdiction pursuant to 28 U.S.C. § 1291 and we affirm.
FACTUAL BACKGROUND AND PROCEDURAL HISTORY
In June 1994, the plaintiff-appellants, Joseph and Grace Santoro, refinanced their home by borrowing $341,000 from First California Mortgage Company. By the end of 1994, Countrywide had purchased the full servicing rights to the loan.
For nearly two years, the Santoros made their regular payments to Countrywide. In December 1996, however, they defaulted on the loan. In February 1997, Countrywide notified the Santoros in…