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Try CasePortal for FreeJ. Tostrud partially grants the bank and its attorneys' motion to dismiss the consumers' suit alleging an unlawful mortgage foreclosure. A breach-of-contract claim fails because it relies on implausible interpretations of the parties' contract, and a Truth in Lending Act claim fails since the consumers have not plausibly alleged that the bank failed to credit a payment to a loan account as of the date of receipt, but rather that they refunded the payments after receiving them. The harms alleged therefore stem from the foreclosure, rather than conduct that would fall under the Truth in Lending Act. Fair Debt Collection Practices Act claims largely survive since the documents supporting the motion to dismiss them are not embraced by the pleadings and so cannot be considered for the purposes of this motion.