José R. Soto Villanueva, Joceline Ortiz-Polaco, Eric Nieves López and Carmen Milagros Maldonado Delgado v. FirstBank Puerto Rico and Santander Financial Services, Inc.

IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF PUERTO RICO JOSÉ R. SOTO VILLANUEVA, JOCELINE ORTIZ-POLACO, ERIC NIEVES LÓPEZ and CARMEN MILAGROS MALDONADO DELGADO, Appellants, Civil No. 24-1583 (CVR) v. FIRSTBANK PUERTO RICO and SANTANDER FINANCIAL SERVICES, INC., Appellees. REPORT AND RECOMMENDATION Appellees. This matter is before the Court on appeal of an Opinion and Order Granting Motion to Dismiss of the United States Bankruptcy Court and the Judgment of the Bankruptcy Court dismissing the adversary proceeding (Adv. Proc. 22-0023) in its entirety. The Appellants’ Brief was filed…