Snr Judge Kenneth Hoyt Closes Out Rosalie Connor’s Foreclosure Case in Favor of PHH Mortgage Corp.

Although plaintiff is representing herself in S.D. Tex. without the guidance of a licensed attorney, we see no reason to appoint one here.

Conner v. PHH Mortgage Corporation (4:20-cv-02128)

District Court, S.D. Texas

A lot of PHH cases ending up before Judge Kenneth A. Hoyt. It’s all quiet after the last non-filing notice by PHH (Doc. 16).

Update as at Aug. 25, 2021: Over a month later and nothin’ movin’ on Hoyt’s docket. Maybe he’s on vacation.

Update as at Sept. 4, 2021: We’re rollin’ again. Designation of Expert Witnesses filed on Aug. 30, 2021.

JUN 17, 2021 | REPUBLISHED BY LIT: APR 19, 2021

“Although the plaintiff is representing herself without the guidance of a licensed attorney, it is well established that the Federal Rules of Civil Procedure and the local rules in the Southern District of Texas sufficiently provide pro se parties with the requirements of summary judgment.”



Pending before the Court is the defendants’, PHH Mortgage Corporation and Deutsche Bank Trust Company Americas, motion for summary judgment (Docket No. 15). The plaint iff, Rosalie Conner, has failed to file a response to the motion and the time for doing so has long elapsed. On July 19, 2021, the defendants filed a Notice of Non-filing (Docket No. 16). Nevertheless, after carefully considering the motion, the record, and the applicable law, the Court determines that the defendants’ motion for summary judgment should be GRANTED.1

1 The facts referenced in the memorandum opinion are derived solely from the defendants’ motion because the plaintiff has not contested or responded to the motion.


On or about May 31, 2006, the plaintiff executed a contract and mortgage note that required 120 monthly payments starting July 1, 2006.

However, in 2007, the plaintiff began missing payments. As a result, on or about January 1, 2010, the parties executed a loan modification agreement that consisted of new conditions and payments for the mortgage.

The agreement still required her to make all necessary payments on time.

Nonetheless, the plaintiff has not made a payment since March 1, 2011.

On or about August 12, 2015, Ocwen Loan Servicing, LLC informed the plaintiff that her mortgage loan defaulted due to her failure to make payments pursuant to the 2010 modification agreement.

From 2016 to 2020, the plaintiff filed multiple civil actions in state and federal court against the defendants, including bankruptcy petitions, to prevent a foreclosure sale of her property.


 Rule 56 of the Federal Rules of Civil Procedure authorizes summary judgment against a party who fails to make a sufficient showing of the existence of an element essential to the party’s case and on which that party bears the burden at trial.

See Celotex Corp. v. Catrett, 477 U.S. 317, 322 (1986); see also Little v. Liquid Air Corp., 37 F.3d 1069, 1075 (5th Cir. 1994) (en banc).

The movant bears the initial burden of informing the district court of the basis for its motion and identifying those portions of the record which it believes demonstrate the absence of a genuine issue of material fact.

See Celotex, 477 U.S. at 323; see also Martinez v. Schlumber, Ltd., 338 F.3d 407, 411 (5th Cir. 2003).

Hence, summary judgment is appropriate where the pleadings, the discovery and disclosure materials on file, and any affidavits show that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law.

See FED. R. CIV. 56(a). If the movant states a legitimate, nondiscriminatory basis for its decision, the burden then shifts to the nonmovant to go beyond the pleadings and designate specific facts showing that there is a genuine issue for trial.

See Stults v. Conoco, Inc., 76 F.3d 651, 656 (5th Cir. 1996) (quoting Tubacex, Inc. v. M/V Risan, 45 F.3d 951, 954 (5th Cir. 1995)); see also Nall v. BNSF Railway Co., 917 F.3d 335, 340 (5th Cir. 2019) (citing McDonnel Douglas Corp. v. Green, 411 U.S. 792, 802 (1973)).

Here, the plaintiff has failed to respond to the defendants’ motion for summary judgment. 2

Pursuant to this Court’s local rules, responses to motions are due within 21 days unless the time is extended, and a failure to respond is taken as a representation of no opposition.

S.D. Tex. L.R. 7.3–7.4.

Notwithstanding the plaintiff’s failure to file a response, summary judgment may not be awarded by default.

See Hibernia Natl Bank v. Admin. Cent. Sociedad Anonima, 776 F.2d 1277, 1279 (5th Cir. 1985).

A motion for summary judgment cannot be granted simply because there is no opposition, even if failure to oppose violated a local rule.

Hetzel v. Bethlehem Steel Corp., 50 F.3d 360, 362 n.3 (5th Cir. 1995) (citing Hibernia Natl Bank, 776 F.2d at 1279).

To this end, the defendant, as the movant, has the burden of establishing the absence of a genuine issue of material fact and, unless it has done so, the court may not grant the motion, regardless of whether any response was filed.

See Hetzel, 50 F.3d at 362 n.3.

Nevertheless, in determining whether summary judgment is appropriate, a district court may accept as undisputed the facts set forth in the motion as true.

See Eversley v. MBank Dallas, 843 F.2d 172, 174 (5th Cir. 1988) (internal citations omitted).

Accordingly, this Court accepts the defendants’ facts and evidence as true.

2 Although the plaintiff is representing herself without the guidance of a licensed attorney, it is well established that the Federal Rules of Civil Procedure and the local rules in the Southern District of Texas sufficiently provide pro se parties with the requirements of summary judgment. E.g., Hale v. Burns Int’l Sec. Servs. Corp., 72 F. App’x 100, 101 (5th Cir. 2003) (citing Martin v. Harrison County Jail, 975 F.2d 192, 193 (5th Cir. 1992)).

In their motion, the defendants assert that the plaintiff has filed numerous suits challenging whether a foreclosure is lawful.

However, not only did the plaintiff fail to contest the motion with a response, but the record, otherwise, does not contain any evidence that creates a material issue of fact. Instead, the evidence supports the defendants’ contentions that a foreclosure proceeding is proper, and the plaintiff cannot state a lawful basis to prevent a foreclosure on the property.

The original contract and the modification agreement both show that the plaintiff agreed to pay a specific amount every month, and if she did not, her loan would default.

It is undisputed that the plaintiff signed a purchase agreement and a loan modification agreement on property, that she has failed to pay the required monthly payments, and as a result, the note is in default.

Therefore, the property is lawfully subject to foreclosure.


Based on the foregoing analysis and discussion, the defendants’ motion for summary judgment is GRANTED.

It is so ORDERED.

SIGNED on this 8th day of September, 2021.






Kenneth M. Hoyt
United States District Judge

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Snr Judge Kenneth Hoyt Closes Out Rosalie Connor’s Foreclosure Case in Favor of PHH Mortgage Corp.
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