Bostwick

UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF CALIFORNIA San Francisco Division TIMOTHY BOSTWICK, et al., Case No. 21-cv-02560-LB

Plaintiffs, ORDER DENYING SUMMARY

JUDGMENT

v. Re: ECF No. 95 SN SERVICING CORPORATION, et al., Defendants. 16 INTRODUCTION In 2017, the plaintiffs — Timothy Bostwick and Michele Nessier, San Francisco residents who own a second property in Truckee, California — defaulted on a 2013 mortgage refinance loan secured by the property.1 Defendant Seterus, Inc. (a previous loan servicer) allegedly sent confusing letters to the plaintiffs in December 2018, causing Mr. Bostwick to declare bankruptcy in January 2019 to avoid foreclosure. Defendant SN Servicing (the current loan servicer) allegedly sent a deceptive reinstatement quote to the plaintiffs in December 2020, causing Ms. Nessier to declare bankruptcy later that month to avoid foreclosure. The plaintiffs also sued U.S. Bank (the 25

1 Deed of Trust, Ex. 1 to Req.…