At problem is Defendant optimum Title Loans LLC’s movement to Dismiss


Sean McCullough, Plaintiff, v. Optimum Title Loans LLC, Defendant.

Honorable John J. Tuchi Usa District Judge


(Doc. 17, Mot. ), to which Sean that is plaintiff McCullough an answer (Doc. 18, Resp. ), and Defendant filed an answer (Doc. 20, Answer).


May 1, 2018, Plaintiff obtained that loan from Defendant for $10,000. (Doc. 1, Compl. ¶ 9. ) Pursuant to a funding contract regulating the mortgage (the “contract”), Plaintiff had been obligated in order to make planned re payments to Defendant because of the payment that is first on June 30, 2018. (Compl. ¶ 11. )

Plaintiff alleges that Defendant made telephone calls and delivered texting to their mobile phone trying to gather in the loan soon after the events joined the contract. (Compl. ¶ 13. ) When responding to the telephone calls, Plaintiff experienced a pause enduring a few moments and over over repeatedly said “hello” before being linked to a real time agent. (Compl. ¶ 16. ) Plaintiff asked that Defendant stop calling him because re re payments beneath the Agreement are not yet due. (Compl. ¶ 17. ) Notwithstanding Plaintiff’s demand, Defendant allegedly made at the very least thirty more telephone calls to Plaintiff from multiple telephone numbers. (Compl. ¶ 18. )

In 2019, Plaintiff filed a Complaint alleging that Defendant willfully and knowingly violated the Telephone Consumer Protection Act (“TCPA”) february. (Compl. ¶ 28. ) Plaintiff alleges that Defendant utilized an automatic phone dialing system (“ATDS”) to create telephone phone phone calls and deliver texting to Plaintiff’s cellular phone without Plaintiff’s consent. (Compl. ¶¶ 25-26. ) Into the problem, Plaintiff also raises claims for deliberate infliction of psychological stress and breach of agreement (collectively the “state legislation claims”). (Compl. ¶¶ 31, 39. ) Defendant now moves to dismiss the TCPA reason for action for failure to convey a claim, also to the level that movement is granted, Defendant contends that the Court should decrease to hold jurisdiction throughout the state legislation claims and dismiss the balance therefore of this issue. (Mot. At 1. )


Whenever analyzing an issue for failure to convey a claim for relief under Federal Rule of Civil Procedure 12(b)(6), the well-pled factual allegations are taken as real and construed within the light many favorable to your party that is nonmoving. Cousins v. Lockyer, 568 F. 3d 1063, 1067 (9th Cir. 2009). A plaintiff must allege “enough facts to state a claim to relief this is certainly plausible on its face. ” Bell Atl. Corp. V. Twombly, 550 U.S. 544, 570 (2007). Legal conclusions couched as factual allegations aren’t eligible to the assumption of truth, Ashcroft v. Iqbal, 556 U.S. 662, 680 (2009), and they are inadequate to beat a movement to dismiss for failure to convey a claim. In re Cutera Sec. Litig., 610 F. 3d 1103, 1108 (9th Cir. 2010).

A dismissal under Rule 12(b)(6) for failure to mention a claim may be according to either (1) having less a cognizable appropriate theory or (2) insufficient facts to aid a cognizable claim that is legal. Balistreri v Pacifica Police Dep’t, 901 F. 2d 696, 699 (9th Cir. 1990). “While a issue assaulted with a Rule 12(b)(6) movement doesn’t have detailed factual allegations, a plaintiff’s responsibility to deliver the ‘grounds’ of their ‘entitlement to relief’ requires significantly more than labels and conclusions, and a formulaic recitation regarding the components of a factor in action will perhaps not do. ” Twombly, 550 U.S. At 555 (citations omitted). The problem must hence include “sufficient matter that is factual accepted as real, to ‘state a claim to relief that is plausible on its face. ‘” Ashcroft, 556 U.S. At 678 (quoting Twombly, 550 U.S. At 570). “A well-pleaded complaint may continue even though it hits a savvy judge that real evidence of those facts is improbable, and that ‘recovery is extremely remote and not likely. ‘” Twombly, 550 U.S. At 556 (quoting Scheuer v. Rhodes, 416 U.S. 232, 236 (1974)).

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