                                                                          FILED
                                                                          AUG 13 2019
                           NOT FOR PUBLICATION
                                                                      SUSAN M. SPRAUL, CLERK
                                                                         U.S. BKCY. APP. PANEL
                                                                         OF THE NINTH CIRCUIT



              UNITED STATES BANKRUPTCY APPELLATE PANEL
                        OF THE NINTH CIRCUIT

In re:                                              BAP No. NC-18-1309-BSTa

CECILIA P. MANGAOANG,                               Bk. No. 18-52245

                    Debtor.

CECILIA P. MANGAOANG,

                    Appellant,

v.                                                         MEMORANDUM*

NEWPORT BEACH HOLDINGS, LLC;
WILMINGTON TRUST, NA 2007-AR3;
TRINITY FINANCIAL SERVICES, LLC,

                    Appellees.

               Submitted Without Oral Argument on June 20, 2019**

                              Filed – August 13, 2019



         *
        This disposition is not appropriate for publication. Although it may be cited
for whatever persuasive value it may have, see Fed. R. App. P. 32.1, it has no
precedential value, see 9th Cir. BAP Rule 8024-1.
         **
        This appeal was set for oral argument on June 20, 2019, in Sacramento,
California, but no parties appeared.
               Appeal from the United States Bankruptcy Court
                   for the Northern District of California

          Honorable M. Elaine Hammond, Bankruptcy Judge, Presiding



Appearances:        Appellant Cecilia Mangaoang pro se on brief; Richard J.
                    Reynolds and Rafael R. Garcia-Salgado of Burke,
                    Williams & Sorensen, LLP on brief for Appellees Newport
                    Beach Holdings, LLC and Trinity Financial Services, LLC.
                    Appellee Wilmington Trust, NA 2007-AR3 did not appear
                    in this appeal.



Before:       BRAND, SPRAKER and TAYLOR, Bankruptcy Judges.



                                 INTRODUCTION

      Cecilia P. Mangaoang appeals an order denying her motion to extend

the automatic stay in her second chapter 131 case filed within a year. While

this appeal was pending, Mangaoang's chapter 13 case was dismissed. She

appealed the dismissal ruling to the Panel. The appeal of the case dismissal

order has now been dismissed. As a result, Mangaoang's appeal of the

order denying her motion to extend the stay is moot. Accordingly, we

DISMISS.



      1
       Unless specified otherwise, all chapter and section references are to the
Bankruptcy Code, 11 U.S.C. §§ 101-1532.

                                           2
     I. FACTUAL BACKGROUND AND PROCEDURAL HISTORY

A.   The 2017 Case

     Mangaoang filed a chapter 13 bankruptcy case in January 2017 ("2017

Case"). The 2017 Case was troubled from the beginning and filed in

response to a pending foreclosure on Mangaoang's home. Each one of

Mangaoang's proposed chapter 13 plans was met with fierce opposition

from mortgage creditors Wilmington Trust, NA 2007-AR3 and Newport

Beach Holdings, LLC and the chapter 13 trustee. In short, Mangaoang's

unstable income was insufficient to fund a feasible plan. Ultimately, she

was unable to get a plan confirmed by the court's deadline of May 31, 2018,

and the case was dismissed that day.

B.   The 2018 Case

     Four months later, and with a foreclosure sale set for October 5, 2018,

Mangaoang filed another chapter 13 bankruptcy case on October 4, 2018

("2018 Case"). Because the 2018 Case was filed within one year of the

dismissal of the 2017 Case, the automatic stay was set to expire on

November 3, 2018.

     Mangaoang timely moved for an extension of the stay as to all

creditors under § 362(c)(3)(B). Newport opposed the stay extension,

arguing that Mangaoang had not established by clear and convincing

evidence that the 2018 Case was not filed in bad faith. Newport argued that

the presumption of bad faith arose under § 362(c)(3)(C)(i)(III)(bb), because


                                       3
there had been no substantial improvement in Mangaoang's finances since

the dismissal of the 2017 Case and it was unlikely that she would succeed

in a chapter 13 plan in the 2018 Case. In addition, all three of Mangaoang's

prior bankruptcy cases, including the 2017 Case, had been dismissed

without a confirmable plan.

      After a hearing, the bankruptcy court denied the stay extension. It

found that, although Mangaoang's income had become more stable since

the 2017 Case, the loss of a mortgage loan modification and subsequent

increase in the mortgage payment detrimentally affected her financial

condition. And without another loan modification, which the court

believed was unlikely given the history, 80% of Mangaoang's income

would be going to housing, which was unsustainable. In sum, the stability

of Mangaoang's income alone was not enough to overcome the

presumption that the 2018 Case had been filed in bad faith.

      Mangaoang timely appealed the bankruptcy court's order denying

the stay extension. The automatic stay expired by its terms on November 3,

2018. Absent a stay, a foreclosure sale on Mangaoang's home proceeded on

November 5, 2018. Trinity Financial Services, LLC was the successful

bidder at the sale.

C.    Post-appeal events

      The 2018 Case was dismissed on March 25, 2019, for failure to

confirm a plan. Mangaoang timely appealed the case dismissal order to the


                                      4
Panel. BAP No. NC-19-1088. We dismissed the appeal of the case dismissal

order on July 12, 2019, for lack of prosecution.2

                                   II. JURISDICTION

       The bankruptcy court had jurisdiction under 28 U.S.C. §§ 1334 and

157(b)(2)(G). We discuss our jurisdiction under 28 U.S.C. § 158 below.

                                         III. ISSUE

       Is the appeal moot?

                            IV. STANDARD OF REVIEW

       We review our own jurisdiction, including questions of mootness, de

novo. Silver Sage Partners, Ltd. v. City of Desert Hot Springs (In re City of

Desert Hot Springs), 339 F.3d 782, 787 (9th Cir. 2003).

                                    V. DISCUSSION

A.     The appeal is moot.

       We cannot exercise jurisdiction over a moot appeal. United States v.

Pattullo (In re Pattullo), 271 F.3d 898, 900 (9th Cir. 2001). A moot case is one

where the issues presented are no longer live and no case or controversy

exists. Pilate v. Burrell (In re Burrell), 415 F.3d 994, 998 (9th Cir. 2005). The

test for mootness is whether an appellate court can still grant effective relief



       2
          We may take judicial notice of events in the bankruptcy case occurring after the
filing of an appeal if they resolve the dispute between the parties. Ellis v. Yu (In re Ellis),
523 B.R. 673, 676 (9th Cir. BAP 2014) (citing Pitts v. Terrible Herbst, Inc., 653 F.3d 1081,
1087 (9th Cir. 2011) ("[I]f events subsequent to the filing of the case resolve the parties'
dispute, we must dismiss the case as moot.")).

                                               5
to the prevailing party if it decides the merits in his or her favor. Id.

Applying these principles, we conclude that the appeal is moot.

      As noted, the 2018 Case was dismissed after Mangaoang appealed

the order denying the stay extension. Her appeal of the order dismissing

the 2018 Case has been dismissed and is final. See Rule 8022; Fed. R. App.

P. 4 & 6. Because the 2018 Case no longer has any chance of being

reinstated, we are unable to grant any effective relief with respect to the

automatic stay, even if we decided the merits in Mangaoang's favor. See

Samuels v. Wilmington Sav. Fund Society (In re Samuels), No. 18-014, 2019 WL

1012526, at *6 n.10 (1st Cir. BAP Feb. 28, 2019) (concluding that appeal of

stay extension order would be moot if subsequent case dismissal appeal is

affirmed; same principle would apply if case dismissal appeal is

dismissed).

                              VI. CONCLUSION

      Accordingly, because we lack jurisdiction over the order denying the

stay extension, we must DISMISS the appeal as MOOT.




                                        6
