
    Martha A. MCNAIR, Plaintiff, v. MAXWELL & MORGAN PC, et al., Defendants.
    No. CV-14-00869-PHX-DGC
    United States District Court, D. Arizona.
    Signed September 22, 2015
    
      Douglas Clark Wigley, Jonathan Adam Dessaules, Rachel W. Marón, Dessaules Law Group, Phoenix, AZ, for Plaintiff.
    Brian W. Morgan, Paul Rey Neil, Law Offices of Maxwell & Morgan PC, Mesa, AZ, Tomio B. Narita, Simmonds & Narita LLP, San Francisco, CA, for Defendants.'
   ORDER

David G. Campbell, United States District Judge

This case involves Defendants’.efforts to collect debts owed by Plaintiff Martha McNair. She claims that Defendants’ actions violated numerous provisions of the Fair Debt Collection Practices Act (“FDCPA”). The parties have filed cross motions for summary judgment (Docs. 80, 100) and the Court heard oral arguments on September 18, 2015 (Doc. 123).' The Court will deny Plaintiffs motion and grant Defendants’ motion in part.

I. Background.

In August 2004, Plaintiff acquired a home in Gilbert, Arizona. Doc. 81-1 at 2. The home was part of the Neely Commons Association (“Association”) and was subject to a declaration of covenants, conditions, and restrictions. Id. at 8-42. Under this declaration, owners are required to pay an annual assessment to the Association. Id. at 16. The Association can require an owner to pay the assessment in monthly installments. Id. at 16-20. If the owner fails to pay an installment, the Association can impose a late charge of fifteen dollars and make a written demand for payment of the debt and additional costs. Id. at 20. If the owner fails to pay the amount within ten days, the Association can record a notice of lien on the owner’s property. Id. at 21. The Association has the right to collect the debt, along with late charges, costs, and attorneys’ fees, by suing the owner or bringing an action to foreclose the lien. Id.

Plaintiff became delinquent in paying her annual assessment. On November 4, 2009, Charles Maxwell of the firm Maxwell & Morgan P.C. sent a letter to Plaintiff notifying her of the debt and stating that he may take legal action if she failed to pay. Id. at 61. On December 21, 2009, Maxwell filed suit against Plaintiff in the Highland Justice Court, alleging that she owed $697. Id. at 64-65. In January 2010, Plaintiff and Maxwell entered into a payment agreement, under which Plaintiff was to pay $500 immediately and $100 a month until her debt was paid off. Id. at 75. Plaintiff paid the $500 and three of the monthly $100 payments before defaulting. Doc. 81, ¶ 22. In June and September of 2010, Plaintiff made additional payments totaling $500. Doc. 81-1 at 88, 104. On July 19, 2010, Maxwell revived the justice court lawsuit and sought a default judgment. Id. at 92-93. The court entered judgment on November 22, 2010, for $1,466.80. Id. at 96-97. Maxwell subsequently sent Plaintiff a letter demanding payment of the judgment. Id. at 114.

The record is silent as to what occurred in 2011. On April 30, 2012, Maxwell filed a new lawsuit in Maricopa County Superior Court. Id. at 121. He alleged that Plaintiffs debt had grown to $4,027.24. Id. at 122. William Nikolaus, who also worked at Maxwell & Morgan, notified Plaintiff of the lawsuit and stated that the total amount due was $6,307.24, which included $2,280 in attorneys’ fees and costs. Id. at 128. Plaintiff offered to enter a payment plan, which Nikolaus accepted on the condition that Plaintiff sign a stipulated judgment. Doc. 101-1 at 36. On June 29, 2012, Plaintiff and Maxwell signed a stipulated judgment that recognized the Association’s right to collect the debt by selling Plaintiffs home. Doc. 81-1 at 130-33. In the stipulated judgment, the Association agreed not to execute on the judgment if Plaintiff made an initial payment of $2,500 and additional payments of $250 a month until the debt was satisfied. Id. at 132.

Plaintiff paid the initial $2,500 and ten monthly payments of $250 through May of 2013. Doc. 81, ¶ 57. On May 5, 2013, she sent a letter to Nikolaus asking how much she still owed. Doc. 81-2 at 27. On August 21, 2013, Nikolaus notified Plaintiff that she had failed to make the required payments, including payments for her 2013 annual assessment. Id. at 31. Nikolaus told her to review the stipulated judgment and warned that the Association might take legal action. Id. On September 23, 2013, Plaintiff paid $275.74 and asked Nikolaus to inform her if she owed anything else. Id. at 45.

In November 2013, Maxwell requested, and the Superior Court granted, a writ of special execution for foreclosure on Plaintiffs house. Id. at 49-53. The writ stated that Plaintiff owed $4,791.58. Id. at 53. The sheriff held a foreclosure sale on January 9, 2014, the property was sold for $75,000, and Defendants received $5,559.74. Doc. 81, ¶¶ 75-76. On May 14, 2014, the Superi- or Court awarded the Association an additional $6,040.39 from the proceeds of the sale for attorneys’ fees and costs. Doc. 81-2 at 70-71.

Plaintiff filed this lawsuit on April 24, 2014, naming as Defendants Maxwell & Morgan, Charles Maxwell, William Niko-laus, and their spouses. Doc. 1. She claims that Defendants violated the FDCPA by misrepresenting the amount and character of her debt, failing to account for the payments she made, misrepresenting the amount of her debt to the justice court, taking actions that Arizona law prohibits, initiating multiple lawsuits over the same debt, and refusing to explain the amount she owed. Doc. 80.

II. Legal Standards.

Summary judgment is appropriate if the evidence, viewed in the light most favorable to the nonmoving party, shows “that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law.” Fed. R. Civ. P. 56(a). Summary judgment is also appropriate against a party who “fails to make a showing sufficient to establish the existence of an element essential to that party’s case, and on which that party will bear the burden of proof at trial.” Celotex Corp. v. Catrett, 477 U.S. 317, 322, 106 S.Ct. 2548, 91 L.Ed.2d 265 (1986). Only disputes over facts that might affect the outcome of the suit will preclude the entry of summary judgment, and the disputed evidence must be “such that a reasonable jury could return a verdict for the nonmoving party.” Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248, 106 S.Ct. 2505, 91 L.Ed.2d 202 (1986).

The FDCPA was enacted to eliminate abusive debt collection practices, to ensure that debt collectors who abstain from those practices are not competitively disadvantaged, and to promote consistent state action to protect consumers. 15 U.S.C. § 1692(e); Jerman v. Carlisle, McNellie, Rini, Kramer & Ulrich LPA, 559 U.S. 573, 577, 130 S.Ct. 1605, 176 L.Ed.2d 519 (2010). The FDCPA regulates interactions between consumer debtors and “debt colleetor[s],” defined to include any person who “regularly collects ... debts owed or due or asserted to be owed or due another.” 15 U.S.C. § 1692a(6). A lawyer regularly engaged in debt collection activity, even litigation, is considered a debt collector. See Heintz v. Jenkins, 514 U.S. 291, 299, 115 S.Ct. 1489, 131 L.Ed.2d 395 (1995). A debt collector “who fails to comply with any provision of [the FDCPA] with respect to any person is liable to such person” for actual damages and additional damages not to exceed $1,000.15 U.S.C. § 1692k(a).

The FDCPA is a strict liability statute. Clark v. Capital Credit & Collection Servs., Inc., 460 F.3d 1162, 1175 (9th Cir.2006). It prohibits a wide array of abusive and unfair practices. See Heintz, 514 U.S. at 292-93, 115 S.Ct. 1489. In deciding whether a debt collector has violated the FDCPA, courts assess the debt collector’s conduct from the perspective of a hypothetical “least sophisticated debtor.” See Guerrero v. RJM Acquisitions LLC, 499 F.3d 926, 934 (9th Cir.2007) (citing Clark, 460 F.3d at 1171; Wade v. Reg’l Credit Ass’n, 87 F.3d 1098, 1099-1100 (9th Cir.1996)). The “least sophisticated debtor” standard protects the “naive and trusting” debtor while shielding debt collectors “against liability for bizarre or idiosyncratic interpretations of collection notices.” Isham v. Gurstel, Staloch & Chargo, P.A., 738 F.Supp.2d 986, 995 (D.Ariz.2010) (quotation marks and citation omitted). The FDCPA is a remedial statute and should be interpreted liberally to protect debtors from abusive debt collection practices. Evon v. Law Offices of Sidney Mickell, 688 F.3d 1015, 1025 (9th Cir.2012).

III. Analysis.

Defendants argue that (1) the FDCPA’s statute of limitations bars most of Plaintiffs claims, (2) the FDCPA does not apply to those claims that arise out of Defendants’ foreclosure action, (3) the stipulated judgment authorized the amounts the Defendants sought in the foreclosure action, and (4) res judicata and collateral estoppel bar many of Plaintiffs claims. The Court will focus on these arguments and address Plaintiffs motion for summary judgment only to the extent that Defendants’ motion does not dispose of Plaintiffs claims.

A. Statute of Limitations.

Under the FDCPA, a plaintiff must bring suit “within one year from the date on which the violation occurs.” 15 U.S.C. § 1692k(d). Plaintiff filed her complaint on April 24, 2014, but many of the alleged FDCPA violation occurred before April of 2013. Plaintiff urges the Court to adopt the continuing-violation doctrine. Plaintiff also argues that her claims are timely because the discovery of her injury — the foreclosure of her house — occurred less than a year before she filed suit.

The continuing-violation doctrine has roots in the common law. Kyle Graham, The Continuing Violations Doctrine, 43 Gonz. L. Rev. 271, 308 (2008) (discussing early versions of the doctrine in trespass and nuisance suits from the 1500s). Broadly speaking, the doctrine permits a plaintiff to recover “for actions that take place outside the limitations period if these actions are sufficiently linked to unlawful conduct within the limitations period.” Sosa v. Utah Loan Servicing, LLC, No. 13-CV-364-W(KSC), 2014 WL 173522, at *4 (S.D.Cal., Jan. 10, 2014) (quotation marks and citation omitted). Some courts have described this as a tolling doctrine, but most treat it as a doctrine governing accrual. Heard v. Sheahan, 253 F.3d 316, 319 (7th Cir.2001) (collecting cases); see also Pisciotta v. Teledyne Indus., Inc., 91 F.3d 1326, 1332 (9th Cir.1996) (“Under [the continuing-violation] theory, the statute of limitations does not begin to run until the last breach occurs.”). In the context of statutorily-created causes of action, the applicability of the doctrine is a question of statutory interpretation. See, e.g., Nat'l R.R. Passenger Corp. v. Morgan, 536 U.S. 101, 109-10, 122 S.Ct. 2061, 153 L.Ed.2d 106 (2002); Havens Realty Corp. v. Coleman, 455 U.S. 363, 380, 102 S.Ct. 1114, 71 L.Ed.2d 214 (1982).

The FDCPA states that “[a]n action to enforce any liability created by this sub-chapter may be brought.. .within one year from the date on which the violation occurs.” 15 U.S.C. § 1692k(d). By referring to “the violation,” the statute could be read as referring to a single act, but courts could also consider an ongoing violation of the FDCPA to be one violation that consisted of several parts. Some courts have adopted this view, holding that when “the conduct complained of [under the FDCPA] constitutes a continuing pattern and course of conduct as opposed to unrelated discrete acts,” then the entirety of that conduct is a single violation of the FDCPA. See Joseph v. J.J. Mac Intyre Cos., LLC, 281 F.Supp.2d 1156, 1161-62 (N.D.Cal.2003) (applying the doctrine when the defendant had made hundreds of repeated, automated collection calls to Plaintiff over an 18 month period). Under this approach, a plaintiffs claim regarding a continuing pattern of FDCPA violations could accrue on the date of the most recent violation and a defendant could be liable for conduct that otherwise falls outside of the limitations period.

The Supreme Court has provided guidance on the distinction between a continuing violation and a series of individual violations. See Ledbetter v. Goodyear Tire & Rubber Co., 550 U.S. 618, 127 S.Ct. 2162, 167 L.Ed.2d 982 (2007); Morgan, 536 U.S. at 109-11, 122 S.Ct. 2061. Title VII requires a claimant to file a claim within 180 days “after the alleged unlawful employment practice occurred.” 42 U.S.C. § 2000e-5(e)(l). Interpreting this language, the Supreme Court found that “[t]here is simply no indication that the term ‘practice’ converts related discrete acts into a single unlawful practice for the purposes of timely filing.” Morgan, 536 U.S. at 111, 122 S.Ct. 2061. For that reason, “[discrete acts such as termination, failure to promote, denial of transfer, or refusal to hire” do not call for application of the continuing-violation doctrine, even when a time-barred discriminatory act is related to more recent acts. Id. at 114, 122 S.Ct. 2061.

The Supreme Court has adopted a different approach, however, for hostile work environment claims under Title VII. It has explained that such claims:

are different in kind from discrete acts. Their very nature involves repeated conduct. The ‘unlawful employment practice’ therefore cannot be said to occur on any particular day. It occurs over a series of days or perhaps years and, in direct contrast to discrete acts, a single act of harassment may not be actionable on its own... .Such claims are based on the cumulative effect of individual acts....A hostile work environment claim is composed of a series of separate acts that collectively constitute one ‘unlawful employment practice.’... [Thus, p]rovided that an act contributing to the claim occurs within the filing period, the entire time period of the hostile environment may be considered by a court for the purposes of determining liability.

Id. at 115-17, 122 S.Ct. 2061 (quotation marks and citations omitted).

The Court finds that “the violation” in the FDCPA is similar to “the alleged unlawful employment practice” in Title VII and that the Supreme Court’s guidance is relevant to this case. The Court finds that Defendants’ alleged FDCPA violations are more akin to discrete acts than a continuing course of conduct. The following alleged FDCPA violations are identified in the parties’ briefing:

• November 2009: Maxwell’s letter to Plaintiff misrepresented the amount of Plaintiffs debt.
• February 2010: Defendants drafted a payment agreement with Plaintiff which violated the FDCPA by failing to state the amount owed, failing to promise that Plaintiffs payments would be applied first to the principal of the debt, and misrepresenting the amount of the debt.
• July 2010: Defendants misrepresented to the justice court the amount Plaintiff owed and the amount Plaintiff had paid. They also sought recovery for fees to which they were not entitled.
• November 2010: Maxwell sent a letter to Plaintiff that misrepresented the amount of the debt and ignored Plaintiffs right to certain property exemptions.
• December 2010: Defendants again misrepresented the amount of the debt in paperwork they filed with the justice court.
• April 2012: Defendants misrepresented the amount of Plaintiffs debt in the complaint for their foreclosure suit. The filing of the lawsuit also violated the FDCPA because it sought recovery for amounts that had been previously awarded in the justice court lawsuit.
• June 2012: Nikolaus’s email misrepresented the amount of Plaintiffs debt. Defendants also drafted a stipulated judgment that was unclear about the number of payments Plaintiff would be required to make.
• May-September 2013: Having made several payments, Plaintiff repeatedly asked Nikolaus how much she still owed. Nikolaus failed to give her a clear answer.
• November 2013: Defendants’ request for a writ of execution misrepresented the amount of Plaintiffs debt. Defendants also requested an unreasonable amount in attorneys’ fees.

All of these alleged wrongs involved Defendants’ attempts to collect the debt Plaintiff owed to the Association, and almost all involved alleged misrepresentations, such as inflating Plaintiffs debt, failing to account for payments, or charging fees to which the Association was not entitled. These violations are interrelated, but they are not sufficiently linked to be considered an ongoing violation of the FDCPA.

For instance, Maxwell sent a letter to Plaintiff on November 23, 2010. Doc. 81-1 at 114. Plaintiff claims that the letter violated the FDCPA by falsely stating she owed $1,466.80 and ignoring her right to certain property exemptions under Arizona law. Doc. 80 at 10. Three years later, on November 6, 2013, Maxwell requested a writ of execution for foreclosure. Doc. 81-2 at 52-53. Plaintiff claims that the request violated the FDCPA by falsely stating she owed $4,791.58, including $1,597.50 in attorneys’ fees. Doc. 80 at 6. Although the 2010 letter and the 2013 request for a writ involve similar facts, they represent discrete actions. One is a letter, the other a court filing; they occurred three years apart; they involved different amounts; and they involved different alleged violations of the FDCPA.

Similar distinctions could be made regarding each of Plaintiffs claims. The alleged wrongs occurred over a span of four years and involved, respectively, a letter, a draft agreement, a filing in justice court, another letter, paperwork filed in justice court, a complaint for foreclosure in superior court, an email, a failure to respond to Plaintiff, and a request for a writ of execution. Each involved different claimed amounts and many included additional, unrelated alleged violations of the FDCPA.

Plaintiffs case is not like Joseph, where the defendant made hundreds of automated collection calls to the plaintiff over a period of 18 months. See 281 F.Supp.2d at 1161-62. Nor is it similar to a hostile work environment claim which “cannot be said to occur on any particular day,” “is composed of a series of separate acts that collectively constitute one ‘unlawful employment practice,’ ” and may not even rise to the level of an actionable hostile work environment until the cumulative effect of the many wrongs is understood. Morgan, 536 U.S. at 115, 117, 122 S.Ct. 2061. Defendants’ actions are each alleged to have violated specific provisions of the FDCPA, occurred on definite days, involved different conduct and different debt amounts, and extended over four years. Defendants’ actions are more like “[djiscrete acts such as termination, failure to promote, denial of transfer, or refusal to hire,” which may be related but nevertheless do not implicate the continuing-violation doctrine. Id. at 114,122 S.Ct. 2061.

The Court also finds the breaks in time between the alleged violations to be significant. Plaintiff does not allege any violation in the year of 2011. Sixteen months elapsed between the fifth and sixth violations recounted above, and almost a year between the seventh and eighth.

Furthermore, the Court finds troubling the notion that every communication regarding a debt starts the limitations period anew. As another court explained, “[i]f plaintiffs theory were correct,... his cause of action could be kept alive indefinitely because each new communication would start a fresh statute of limitations.” Sierra v. Foster & Garbus, 48 F.Supp.2d 393, 395 (S.D.N.Y.1999); see also Nutter v. Messerli & Kramer, P.A., 500 F.Supp.2d 1219, 1223 (D.Minn.2007) (finding that “‘[n]ew communications ... concerning an old claim ... [do] not start a new period of limitations’ ”) (quoting Campos v. Brooksbank, 120 F.Supp.2d 1271, 1274 (D.N.M.2000)).In sum, the Court concludes that the continuing-violation doctrine does not save Plaintiffs claims for violations that occurred before April of 2013.

Plaintiff also seeks to apply the discovery rule, arguing that she did not discover her injury until her home was foreclosed in January of 2014. The Court is not persuaded, however, that the discovery rule should apply to this case. In Naas v. Stolman, 130 F.3d 892, 893 (9th Cir.1997), the Ninth Circuit held that when the alleged violation of the FDCPA is the filing of a lawsuit, “the statute of limitations beg[ins] to run on the filing of the complaint.” Plaintiffs complaint makes clear that every alleged FDCPA violation that occurred more than one year before this case either preceded or occurred as part of a court action. These include Defendants initial filing of the justice court action in 2009 (Doc. 1, ¶ 12) and their later filing of the superior court action in 2012 (id, ¶ 15). The alleged violations either preceded those lawsuits, in which event the filing of the lawsuits would have triggered the limitations period, or occurred as part of the lawsuits (id, ¶¶ 14, 17, 19). Thus, Plaintiffs discovery rule argument does not save her older claims from the FDCPA’s one-year statute of limitations.

B. Plaintiffs Timely FDCPA Claims.

Plaintiff asserts two claims based on conduct occurring less than one year before this case was filed: (1) in judicial proceedings in 2013 and 2014, Defendants allegedly misrepresented the amount of Plaintiffs debt and sought attorneys’ fees to which they were not entitled; and (2) in May through September of 2013, Defendants did not respond to Plaintiffs requests for a statement of the amount she owed. The Court finds that only the latter claim survives Defendants’ motion for summary judgment.

1. The Writ’s Misrepresentation of Attorneys’ Fees and Debt.

Plaintiff claims that Defendants violated the FDCPA by “falsely stating in the Writ that the balance due was $4,791.58 and including unadjudicated attorneys’ fees of $1,597.50.” Doc. 80 at 6. As for the attorneys’ fees, Plaintiff emphasizes that,

Defendants never sought judicial approval for any of these amounts, never had any court determine they were reaso[n]able, and simply decided for themselves the reasonableness of the attorneys’ fees and costs that they incurred .... Defendants collected these unilaterally awarded fees even though Arizona law does not provide for post-judgment attorneys’ fees except where expressly permitted by statute or other basis for such fees.

Id. at 12.

Although not clearly stated, Plaintiff appears to claim that this conduct violates 15 U.S.C. § 1692e, which prohibits the misrepresentation of “the character, amount, or legal status of any debt.” Among other points, Defendants argue that because the stipulated judgment that Plaintiff signed authorized the amounts that were included in the writ of execution, the Court should grant Defendants summary judgment on Plaintiffs claims regarding these amounts.

The stipulated judgment signed on June 29, 2012, stated that the “principal sum” owed was “$4,027.24.. .with additional assessments and charges accruing effective January 1, 2013... plus monthly late charges.” Doc. 81-1 at 131. The judgment also stated that Plaintiff owed “attorney fees herein in an amount of $1,687.50, plus accruing attorney fees incurred hereafter.” Id. When Defendants sought a writ of special execution to foreclose on Plaintiffs house in 2013, they stated that the total amount owed was $4,791.58, which included “attorney fees of $1,687.50, plus accruing attorney fees of $1,597.50.” Doc. 81-2 at 52-53. The Maricopa County Superior Court approved these amounts and issued the writ. Id. at 53.

Plaintiff has not explained how this conduct amounts to a misrepresentation of “the character, amount, or legal status of any debt.” As Defendants note, the stipulated judgment authorized the fees that were included in the writ of execution. Plaintiff argues that Arizona law generally does not allow a party to collect post-judgment attorneys’ fees, but “[i]t is well-settled in Arizona that [contracts for payment of attorneys’ fees are enforced in accordance with the terms of the contract.” Bennett Blum, M.D., Inc. v. Cowan, 235 Ariz. 204, 330 P.3d 961, 963 (2014) (quotation marks and citations omitted). What is more, “[w]hen the ‘broad language’ of a contractual attorneys’ fees provision gives no indication of an intent to exclude fees for work done after entry of judgment, those fees are generally recoverable.” Costa v. Maxwell & Morgan PC, No. CV-15-00315-PHX-NVW, 2015 WL 3490115, at *5 (D.Ariz. June 3, 2015).

Plaintiff also argues that Defendants could not “unilaterally” decide whether the requested attorneys’ fees were reasonable. This is true. “Arizona law is clear that even when fees are awarded pursuant to an express contractual agreement, rather than statute, the prevailing party is not entitled to its fees unless a court has already determined that the specific amount that party seeks is reasonable.” Id. at *6. But Defendants in this case did not unilaterally determine the amount of fees they were to receive — the Maricopa County Superior Court approved the fees Defendants requested. The court signed the writ of execution and twice rejected Plaintiffs opposition to the requested attorneys’ fees. See Doc. 101-2 at 43 (denying Plaintiffs motion to cancel the sheriffs sale, in which Plaintiff had argued that the amount of owed attorneys’ fees was ambiguous (id. at 39)); id. at 74 (denying Plaintiffs motion for relief from judgment, in which Plaintiff had argued that Defendants could not “award unadjudicat-ed future assessments, attorneys’ fees, and costs” (id. at 53)). By so ruling, the state court implicitly found that the requested attorneys’ fees were reasonable. See, e.g., Costa, 2015 WL 3490115, at *6. The Court cannot conclude that Defendants violated the FDCPA by seeking attorneys’ fees in a filing they made with a court, particularly when it was clear that the fees would be paid only if the court found them to be reasonable.

Plaintiff argues that Defendants misrepresented the amount of Plaintiffs debt in the writ of execution. But again, the stipulated judgment authorized these amounts. Plaintiff has not shown that there is a genuine dispute of material fact as to whether the stipulated judgment authorized the amounts Defendants collected. The Court therefore grants Defendants’ motion for summary judgment on this claim.

2. Defendants’ Communications with Plaintiff in 2013.

Plaintiff claims that Defendants’ failure to respond to her repeated requests for a statement of the amount she owed violated 15 U.S.C. §§ 1692e and 1692f. Specifically, Plaintiff sent a $250 check to Defendants on May 5, 2013, and requested a statement of the amount owed. Doc. 81-2 at 27. Defendants did not respond until August 21, when Nikolaus sent Plaintiff an email stating that she had not paid off her debt and attaching a copy of the stipulated judgment. Id. at 31. On September 19, 2013, Plaintiff called and emailed Defendant Ni-kolaus requesting information about her debt. Id. at 30-31, 33. On September 23, Plaintiff sent Defendants a $275.74 check and a letter explaining why she thought this settled her debt. Id. at 45. Nikolaus did not respond until November 6, when he informed her that she had not paid off her debt and again asked her to review the stipulated judgment. Id. at 30. Plaintiff claims that Defendants’ late and vague responses misrepresented the amount of Plaintiffs debt and constituted “unfair or unconscionable means to collect” the debt. See 15 U.S.C. §§ 1692e, 1692f.

a. Plaintiffs Motion for Summary Judgment.

Plaintiff asks the Court to grant her summary judgment on this claim, but the Court concludes that a reasonable jury could find that Defendants did not violate the FDCPA when they failed promptly to respond to Plaintiffs requests. A jury would assess Defendants’ conduct from the perspective of a “least sophisticated debt- or.” Guerrero, 499 F.3d at 934. While a jury could find that Defendants’ failure to respond falsely implied that Plaintiffs debt was satisfied and that she did not need to take further action, a jury could also find that Defendants’ conduct did not imply anything and did not misrepresent the amount of Plaintiffs debt or constitute an unconscionable means of collecting her debt. Furthermore, Defendants did eventually respond to Plaintiffs requests, and Plaintiff had a copy of the stipulated judgment that detailed the amounts she owed. These facts could support a finding that Defendants did not violate the FDCPA.

b. Applicability of the FDCPA to Foreclosure Activities.

Defendants seek summary judgment because the FDCPA does not apply to efforts to enforce a security interest or foreclose on a lien. “[T]he FDCPA applies only to a debt collector who engages in practices prohibited by the Act in an attempt to collect a consumer debt.” Mansour v. Cal-W. Reconveyance Corp., 618 F.Supp.2d 1178, 1182 (D.Ariz.2009) (citation omitted). Some courts have held that foreclosure proceedings are not the collection of a debt for purposes of the FDCPA. See Hulse v. Ocwen Fed. Bank, FSB, 195 F.Supp.2d 1188, 1204 (D.Or.2002) (distinguishing foreclosure of interest in property from efforts to collect funds from debtor); Gray v. Four Oak Court Ass’n, Inc., 580 F.Supp.2d 883 (D.Minn.2008) (finding that homeowners association lien foreclosure proceeding to recover assessment fees was effort to enforce a security interest rather than debt collection under the FDCPA). Other courts have held that community housing associations and their agents are not debt collectors when they are “ ‘actively engaged in an attempt to dispossess the [debtor] of secured property[.]’ ” See, e.g., Calvert v. Alessi & Koenig, LLC, No. 2:11-CV-00333-LRH-PAL, 2013 WL 592906, at *4 (D.Nev. Feb. 12, 2013) (quoting Owens v. Hellmuth & Johnson, PLLC, 550 F.Supp.2d 1060, 1066 (D.Minn.2008)).

Under these holdings, Defendants’ filing of the writ did not constitute a violation of the FDCPA, but the holdings do not. immunize Defendants other actions during 2013. When Defendants communicated (or failed to communicate) with Plaintiff regarding her debt in 2013, they were not yet actively engaged in an attempt to dispossess her of her home. Rather, they were still trying to collect a monetary sum. Defendants designed the stipulated judgment so that Plaintiff could pay off her debt instead of losing her home. Starting in May of 2013, Plaintiff contacted Defendants regarding the amount she still owed under the judgment. Defendant Nikolaus responded twice, both times encouraging her to review the terms of the judgment without disclosing the amount she still owed. He did not threaten to foreclose on her home. As other courts have found in similar situations, Defendants were not enforcing a security interest during these communications. See, e.g., Calvert, 2013 WL 592906, at *5 (finding that “pre-notice of default” letters were not efforts to enforce a security interest).

Defendants make a broad argument— that everything they did in 2013 related to foreclosure of a lien and therefore could not have violated the FDCPA. For the reasons explained above, the Court cannot agree. The Court will grant summary judgment in favor of Defendants with respect to the filing of the writ and the actual foreclosure, but not with respect to Defendants other communications in 2013.

c. Res Judicata and Collateral Estoppel.

Defendants argue that Plaintiffs claims regarding the communications are barred by the doctrines of res judicata and collateral estoppel. Because Defendants’ argument relies on an Arizona court judgment, Arizona law governs the application of res judicata and collateral estoppel. Marrese v. Am. Acad. of Orthopaedic Surgeons, 470 U.S. 373, 380, 105 S.Ct. 1327, 84 L.Ed.2d 274 (1985); Ayers v. City of Richmond, 895 F.2d 1267, 1270 (9th Cir.1990). In Arizona, “[u]nder the doctrine of res judicata, a judgment on the merits in a prior suit involving the same parties or their privies bars a second suit based on the same cause of action.” Pettit v. Pettit, 218 Ariz. 529, 189 P.3d 1102, 1104 (2008); see also Hall v. Lalli, 194 Ariz. 54, 977 P.2d 776, 779 (1999). “A valid final judgment is also conclusive as to every issue decided and every issue raised by the record that could have been decided.” Heinig v. Hudman, 177 Ariz. 66, 865 P.2d 110, 115 (1994) (citation omitted).

Collateral estoppel, or issue preclusion, occurs when (1) the issue was actually litigated in the previous proceeding, (2) the parties had a full and fair opportunity and motive to litigate the issue, (3) the court entered a valid and final decision on the merits, (4) resolution of the issue was essential to the decision, and (5) there was common identity of the parties. See Garcia v. Gen. Motors Corp., 195 Ariz. 510, 990 P.2d 1069, 1073 (1999); Circle K Corp. v. Indus. Comm’n of Ariz., 179 Ariz. 422, 880 P.2d 642, 645 (1993).

The party asserting res judicata or collateral estoppel bears the burden of proving it. See State Comp. Fund v. Yellow Cab Co. of Phx., 197 Ariz. 120, 3 P.3d 1040, 1044 (1999). Defendants point to the following facts. After Defendants had brought suit for foreclosure, sought a writ of execution, and scheduled a sheriffs sale of Plaintiffs property, Plaintiff filed a motion to cancel the sale. Plaintiff argued that the sale should be cancelled because, among other reasons, Defendants had obscured the amount she owed by refusing to respond to her requests for an accounting of her debt. Doc. 101-2 at 39. The Marico-pa County Superior Court denied the motion, noting that the court had considered her arguments. Id. at 43. After the sheriffs sale took place, Plaintiff filed a motion for relief, arguing that the sale was improper because it was based on a stipulated judgment that was ambiguous, and this ambiguity was compounded by Defendants’ refusal to respond to Plaintiffs requests for a statement of the amount she owed. Id. at 56-57. The state court denied the motion, again noting that it had considered her arguments. Id. at 74. Plaintiff did not cite or discuss the FDCPA in either of these motions.

Collateral estoppel does not bar Plaintiffs claims. “[T]he Arizona Supreme Court has held that collateral estoppel requires that ‘the issue sought to be reliti-gated must be precisely the same as the issue in the previous litigation.’ ” State v. Bartolini, 214 Ariz. 561, 155 P.3d 1085, 1087-88 (2007) (quoting State v. Jimenez, 130 Ariz. 138, 634 P.2d 950, 952 (1981)) (emphasis added); see also Peterson v. Clark Leasing Corp., 451 F.2d 1291, 1292 (9th Cir.1971) (“Issues are not identical if the second action involves application of a different legal standard, even though the factual setting of both suits be the same.”). The issues in the foreclosure suit and the present suit are not the same. In the foreclosure suit, Plaintiff raised the communications as a reason to cancel the sheriffs sale or grant relief from the judgment. See Doc. 101-2 at 39, 56-57. In this case, Plaintiff argues that the communications violated the FDCPA. Id. These arguments are not “precisely the same” and therefore cannot satisfy the Arizona requirement for collateral estoppel. Bartolini, 155 P.3d at 1087-88.

Nor does res judicata bar Plaintiffs claims. Setting aside the question of whether Defendants were in privity with the Association (the plaintiff in the foreclosure suit), the Court finds that Defendants have not shown that Plaintiff could have raised her FDCPA claims in the foreclosure suit. Defendants filed that suit on behalf of the Association in April Of 2012 (Doc. 81-1 at 121), and the Maricopa County Superior Court approved the stipulated judgment on July 12, 2012 (id. at 136). Because the communications at issue in Plaintiffs remaining FDCPA claims occurred from May to November of 2013, Plaintiff clearly could not have raised them as counterclaims in the foreclosure suit that resulted in the stipulated judgment in 2012. Defendants later sought to enforce the stipulated judgment and foreclose on the property in November of 2013, but Defendants have not explained how Plaintiff could have raised the FDCPA claim as some kind of affirmative defense to foreclosure. Res judicata applies only to claims that “could have been litigated” in' the earlier lawsuit. Rousselle v. Jewett, 101 Ariz. 510, 421 P.2d 529, 531 (1966).

Defendants argue that when Plaintiff filed her motions to cancel the sheriffs sale and for relief from the judgment, she raised the facts underlying her FDCPA claims and thereby brought and litigated the claims. In effect, Defendants argue that Plaintiffs FDCPA claims are the same as her defenses to the foreclosure suit. But claims “which arise out of the same transaction or occurrence are not the same for purposes of res judicata if proof of different or additional facts will be required to establish them.” E.C. Garcia & Co., Inc. v. Ariz. State Dep’t of Revenue, 178 Ariz. 510, 875 P.2d 169, 179 (1993) (citation omitted). The Court finds that some of the evidence necessary for Plaintiffs FDCPA claims would be different from the evidence needed for her foreclosure suit arguments. Plaintiffs FDCPA claims would require proof of whether a “least sophisticated debtor” would consider Defendants’ conduct deceptive.

In sum, under Arizona law, “[r]ights, claims, or demands — even though they grow out of the same subject matter — which constitute separate or distinct causes of action not appearing in the former litigation, are not barred in the latter action because of res judicata.” Pettit, 189 P.3d at 1105 (quoting Rousselle, 421 P.2d at 531). Defendants have not shown that res judicata or collateral estoppel bars Plaintiffs claim.

IV. Conclusion.

Defendants’ motion for summary judgment is granted with respect to all of Plaintiffs claims except for the claim that Defendants’ failure to respond to her repeated requests for a statement of the amount she owed violated 15 U.S.C. §§ 1692e and 1692f. Plaintiffs motion for summary judgment on this claim is denied.

IT IS ORDERED:

1. Plaintiffs motion for summary judgment (Doc. 80) is denied.
2. Defendants’ motion to strike (Doc. 99) is denied.
3. Defendants’ motion for summary-judgment (Doc. 100) is granted with respect to all of Plaintiffs claims except the claim that Defendants’ failure to respond to her repeated requests for a statement of the amount she owed violated 15 U.S.C. §§ 1692e and 1692f.
4. Plaintiffs motions in limine (Docs. 82, 83) are denied without prejudice as premature.
5. Plaintiffs motion to strike Defendants’ supplemental expert report (Doc. 85) is granted for reasons stated on the record at oral argument.
6. The Court will set a final pretrial conference by separate order. Dated this 22nd day of September, 2015. 
      
      . Defendants move to strike Plaintiff’s motion for summary judgment. Doc. 99. They argue that Plaintiff violated the Court’s case management order and the local rules by placing their legal citations in footnotes, filing a statement of facts that is more than ten pages long, and not double-spacing the motion text. Plaintiff apologizes for these violations, but argues that she did double-space the text in her motion. Striking Plaintiff's motion is too harsh a remedy for these violations, but Plaintiff's counsel is admonished to follow the case management order and local rules in the future.
     
      
      . During oral argument, Defendants made several arguments not found in their cross motion for summary judgment. These include that Defendants are not debt collectors, that the amounts they sought to recover in this case were not debts, that the misstatements in their communications or filings were not material, and that they cannot be lumped together as a single group of defendants. Defendants argued that Plaintiff was required to come forward with evidence on each of these issues because she will bear the burden of proof at trial. The Court does not agree. In describing proper summary judgment procedure, the Supreme Court has explained that "a party seeking summary judgment always bears the initial responsibility of informing the district court of the basis for its motion.” Celotex, 477 U.S. at 323, 106 S.Ct. 2548. If a defendant asserts that a plaintiff lacks evidence on a particular element of her claim, the plaintiff must come forward with evidence on that element to avoid summary judgment. Id. at 322, 106 S.Ct. 2548. But when a defendant does not identify an alleged deficiency in the plaintiff’s proof, the plaintiff is not required to come forward with evidence to disprove the deficiency at the summary judgment stage. True, the plaintiff will be required to prove all elements of her claim at trial, but she need only respond at the summary judgment stage to arguments made in the motion for summary judgment.
     
      
      . See also Sosa, 2014 WL 173522, at *4; Bennett v. Portfolio Recovery Assocs., LLC, No. CV-12-9827-DSF, 2013 WL 6320851, at *2 (C.D.Cal. Nov. 22, 2013); Guillen v. Bank of Am. Corp., No. 5:10-CV-05825 EJD, 2011 WL 4071996, at *5 n. 3 (N.D.Cal. Aug. 31, 2011).
     
      
      .Earlier in this case, the Court denied a motion to dismiss because the continuing-violation doctrine might apply. Doc. 37. That decision does not control here. As the Court noted in its earlier decision, a motion to dismiss based on the statute of limitations may be granted only if it appears beyond doubt that the plaintiff can prove no set of facts that would establish the timeliness of the claim. Supermail Cargo, Inc. v. United States, 68 F.3d 1204, 1207 (9th Cir.1995); Doc. 37 at 6-7. Focusing solely on Plaintiff's allegations, the Court could not conclude that this test had been satisfied. Doc. 37 at 7. This conclusion does not control a ruling on summary judgment, which focuses on evidence, not allegations.
     
      
      . Later cases have recognized that this rule "only applies to cases where there is no question that the defendant was properly named and served in the underlying collection action.” Huy Thanh Vo v. Nelson & Kennard, 931 F.Supp.2d 1080, 1086 (E.D.Cal.2013). Plaintiff does not claim that she was not served in the underlying cases.
     
      
      . The Ninth Circuit has applied the discovery rule to FDCPA claims that did not involve the filing of a lawsuit, Mangum v. Action Collection Service, Inc., 575 F.3d 935, 940 (9th Cir.2009), but the Court concludes that Naas controls this largely litigation-based series of alleged violations.
     
      
      . Costa found a possible § 1692e violation when unadjudicated attorneys' fees were demanded in a letter to the debtor. 2015 WL 3490115 at * 6. This differs from a request for fees in a court filing the court must approve.
     
      
      . At oral argument, Plaintiffs counsel argued that the writ carried forward the FDCPA wrongs from the earlier lawsuits and judgments, but those earlier wrongs are barred by the statute of limitations, and the Court cannot conclude that they are revived simply because the judgments they produced were used in securing the writ.
     
      
      . Defendants asserted during oral argument that an FDCPA violation cannot arise from a failure to respond. This argument, like those mentioned earlier, was not made in Defendants’ motion for summary judgment. Moreover, the Court cannot conclude that a failure to respond would never constitute an FDCPA violation. Plaintiff argues that upon reaching $5,000 in payments she sought clarification of what more was owed, that she attempted to pay the amounts owed in full, that Defendants refused to tell her what more was owed, and that Defendants instead proceeded to initiate foreclosure proceedings on her house because she had not paid in full, even though she had been trying. A jury could find that such a course of conduct amounts to an "unfair or unconscionable means to collect or attempt to collect any debt.” 15 U.S.C. § 1692f.
     
      
      . In a footnote, Defendants argue that the Rooker-Feldman doctrine bars Plaintiff’s claim regarding the communications. Under this doctrine, a federal district court does not have subject matter jurisdiction to hear a direct appeal from the final judgment of a state court. Rooker v. Fid. Tr. Co., 263 U.S. 413, 415-16, 44 S.Ct. 149, 68 L.Ed. 362 (1923); D.C. Ct. of App. v. Feldman, 460 U.S. 462, 482, 103 S.Ct. 1303, 75 L.Ed.2d 206 (1983). As this Court found when ruling on Defendants' motion to dismiss, the Rooker-Feldman doctrine does not bar Plaintiffs claims. See Doc. 37 at 4-6; see also Vacation Vill., Inc. v. Clark Cnty., Alev., 497 F.3d 902, 907 (9th Cir.2007).
     