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Alanis v. U.S. Bank — Fifth Circuit affirmed dismissal of repetitive foreclosure claims

Unreported / Non-Citable

Case
Nancy Alanis v. U.S. Bank National Association, as Successor Trustee to Bank of America, National Association, as Successor by Merger to LaSalle Bank, N.A., as Trustee for the MLMI Trust Series 2006-HE6; Nationstar Mortgage, L.L.C.; PHH Mortgage Corporation, Successor by Merger to Ocwen Loan Servicing, L.L.C.; Ocwen Loan Servicing, L.L.C.; Wells Fargo Bank, N.A.; Mark D. Cronenwett
Court
U.S. Court of Appeals for the Fifth Circuit
Judge
Catharina Haynes (George W. Bush, 2008); James E. Graves Jr. (Barack Obama, 2011); Irma Carrillo Ramirez (Joe Biden, 2023)
Date Decided
November 4, 2026
Docket No.
25-51076
Topics
Res Judicata, Appellate Forfeiture, Rule 60(b)(4), Foreclosure
Source
Read the full opinion

Background

Nancy Alanis sued U.S. Bank and several other defendants over the foreclosure of two San Antonio properties: 1040 Blanco Road and 13210 Hunters View. The district court dismissed her complaint after concluding that res judicata barred every claim because the claims had been, or could have been, raised in seven earlier lawsuits against the defendants or their privies.

Alanis appealed and also challenged the denial of motions under Federal Rule of Civil Procedure 60(b)(4). Those motions sought relief from two allegedly void state-court orders entered in earlier foreclosure proceedings.

The Court’s Holding

The Fifth Circuit affirmed. It held that Alanis forfeited any challenge to the district court’s res judicata ruling by failing to brief an argument that the court had erred in giving the earlier judgments preclusive effect. Her contention that ripeness deprived the district court of jurisdiction to decide the defendants’ dismissal motions also lacked merit.

The court further held that Rule 60(b)(4) did not provide a means, under the circumstances presented, for obtaining relief from the state-court judgments. The district court therefore did not err in denying her motions.

Key Takeaways

  • An appellant forfeits a challenge to a dispositive ruling by failing to brief why that ruling was erroneous.
  • Rule 60(b)(4) did not permit the federal district court to grant Alanis relief from the state-court foreclosure orders at issue.
  • The Fifth Circuit warned Alanis that further frivolous, repetitive, or abusive filings could result in dismissal, monetary sanctions, or filing restrictions.

Why It Matters

The decision underscores that an appeal must directly address the district court’s dispositive reasoning. Because Alanis did not brief a challenge to the preclusive effect of the seven prior judgments, the Fifth Circuit left the res judicata dismissal intact.

The opinion also signals escalating consequences for repetitive foreclosure litigation. Citing Alanis’s vexatious-litigant designation, an earlier related appeal, and multiple suits concerning the Blanco Property, the court expressly placed her on notice that continued abusive filings may prompt sanctions.

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