Somin v. Total Community Management Corp.
Plaintiff Ilene Somin initiated an action alleging wrongful mortgage foreclosure and violations of the Fair Debt Collection Practices Act (FDCPA) against Washington Mutual Bank and Shapiro & DiCaro, LLP, alongside various state law claims against multiple defendants. The primary defendants, Washington Mutual Bank and Shapiro & DiCaro, LLP, moved to dismiss the FDCPA claims. They argued the claims were barred by the FDCPA's one-year statute of limitations and that Washington Mutual Bank was not a 'debt collector' as defined by the Act. The court granted the motions to dismiss, concluding that Somin's FDCPA claims were indeed time-barred, as her interactions with the defendants concluded more than a year before the lawsuit began. Furthermore, the court determined that Washington Mutual Bank, as a creditor collecting its own debt, did not fall under the FDCPA's definition of a debt collector. Consequently, the court dismissed the federal FDCPA claims and declined to exercise supplemental jurisdiction over the remaining state law claims, resulting in the dismissal of the entire case.