RE: Estrada v. Civic Financial Services, LLC, et al. (18PSCV00168)

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Defendant Civic Financial Services, LLC’s DEMURRER TO PLAINTIFF’S

COMPLAINT

Responding Party: Plaintiff Jose Estrada[1]

Tentative Ruling

Defendant Civic Financial Services, LLC’s demurrer to the first through twelfth and

fifteenth causes of action in Plaintiff’s complaint is SUSTAINED. The court will hear from

Plaintiff as to whether leave to amend is requested, and as to which cause(s) of action, and

will require an offer of proof if so.

Background

Plaintiff Jose Estrada (“Plaintiffs”) alleges that on or about December 6, 2016, Plaintiff entered into a mortgage loan with Defendant Civic Financial Services, LLC (“Civic”), which was secured by a trust deed on Plaintiff’s residential property located at 20909 Ambushers Street, Diamond Bar, CA 91765. Plaintiff alleges that Civic sold Plaintiff a deceptive loan product which Civic knew