Smith v. JPMorgan Chase Bank, N.A.

JERRY E. SMITH, Circuit Judge:*

Christopher and Carolyn Smith defaulted on their mortgage despite a loan modification agreement. They sued Deutsche Bank National Trust Company (“Deutsche Bank”) and JPMorgan Chase Bank (“Chase”) for breach of contract, unreasonable collection efforts, violations of the Texas Debt Collection Practices Act (“TDCPA”), and negligent misrepresentation. The Smiths appeal a summary judgment on all of their claims. Finding no error, we affirm.

I

In 2004, the Smiths purchased a property and executed a note payable to Long Beach Mortgage Company, secured by a deed of…