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GALE v. FIRST FRANKLIN LOAN SERVICES

No. 09-16498.

686 F.3d 1055 (2012)

Richard S. GALE, Plaintiff-Appellant, v. FIRST FRANKLIN LOAN SERVICES, subsidiary of First Franklin Financial Corporation; First Franklin Financial Corporation; Mortgage Electronic Registration Systems, Inc.; Cal-Western Reconveyance Corporation; LaSalle Bank National Association, Defendants-Appellees.

United States Court of Appeals, Ninth Circuit.

Filed July 12, 2012.

Attorney(s) appearing for the Case

Michael Rubin , Jennifer Sung , Altshuler Berzon LLP, San Francisco, CA, for the plaintiff-appellant.

Peter Dunkley , Wolfe & Wyman LLP, Las Vegas, NV, for defendants-appellees.

Before: SIDNEY R. THOMAS, M. MARGARET McKEOWN, and WILLIAM A. FLETCHER, Circuit Judges.

OPINION

McKEOWN, Circuit Judge:

Failing to read and respond to letters may be impolite; however, "a breach of good manners" is not always "an invasion of any legal right." Spaulding v. Evenson, 149 F. 913, 920 (C.C.E.D.Wa.1906). Richard Gale faults his lender, First Franklin Loan Services ("Franklin"), for failing to respond to his correspondence regarding ownership of his loan, and alleges that this failure...

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