Vien-Phuong Thi Ho v. ReconTrust Co.
Court of Appeals for the Ninth Circuit
1Opinion of the Court
Partial Dissent and Partial Concurrence by Judge KORMAN
OPINION
KOZINSKI, Circuit Judge:
The principal question in this appeal is whether the trustee of a California deed of trust is a “debt collector” under the Fair Debt Collection Practices Act (FDCPA).
FACTS
Vien-Phuong Thi Ho bought a house in Long Beach using funds she borrowed from Countrywide Bank. The loan was secured by a deed of trust. A deed of trust involves three parties. See Yvanova v. New Century Mortg. Corp., 62 Cal.4th 919, 926-27, 199 Cal.Rptr.3d 66, 365 P.3d 845 (Cal. 2016) (explaining California deeds of trust). The first party…
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