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 1        IN THE COURT OF APPEALS OF THE STATE OF NEW MEXICO


 2 LOANCARE, A DIVISION OF
 3 FNF SERVICING, INC.,

 4          Plaintiff-Appellee,

 5 v.                                                                                     NO. 33,648

 6 JOSEPH HARRIS and PATRICIA
 7 HARRIS,

 8          Defendants-Appellants.


 9 APPEAL FROM THE DISTRICT COURT OF GRANT COUNTY
10 Henry R. Quintero, District Judge

11 McCarthy & Holthus, LLP
12 Joshua A. Spencer
13 Albuquerque, NM

14 Office of the Arizona Attorney General
15 Matthew Silverman
16 Phoenix, AZ

17 Melissa Robbins Coutts
18 San Diego, CA

19 for Appellee
 1 The Law Office of Anita M. Kelley
 2 Anita M. Kelley
 3 Albuquerque, NM

 4 for Appellant
 5                             MEMORANDUM OPINION

 6 WECHSLER, Judge.

 7   {1}   Defendants appeal from the denial of a Rule 1-060(B) NMRA motion to set

 8 aside a judgment in a foreclosure action. We previously issued a notice of proposed

 9 summary disposition, proposing to affirm. Defendants have filed a memorandum in

10 opposition. After due consideration, we remain unpersuaded. We therefore affirm.

11   {2}   The pertinent background information having been set forth in the notice of

12 proposed summary disposition, we will avoid undue reiteration here, focusing instead

13 on the content of the memorandum in opposition.

14   {3}   Defendants continue to assert that they should have been granted relief from the

15 judgment and permitted to engage in discovery in order to determine whether their

16 loan was procured by fraud. [DS 4; MIO 2-6] However, as we previously observed,

17 fraud was not asserted as an affirmative defense, and insofar as the materials relied

18 upon by Defendants to support their vague allegations were available far in advance

19 of the original award of summary judgment, [RP 95, 112-18] their failure to advance

20 the defense in a timely fashion is fatal. See, e.g., Charter Bank v. Francoeur, 2012-
 1 NMCA-078, ¶¶ 3, 25, 287 P.3d 333 (concluding that a homeowner’s assertions of

 2 fraud, misrepresentation, and/or “other misconduct” in conjunction with a motion to

 3 set aside were insufficient to preserve these matters, where the homeowner filed no

 4 answer to the complaint, “did not specifically raise a bad-faith defense and therefore

 5 did not fairly invoke a ruling by the district court”).

 6   {4}   In their memorandum in opposition, Defendants contend that their allegations

 7 of fraud and request for discovery should be regarded as timely, insofar as these

 8 matters were mentioned at the hearing on Loancare’s motion for summary judgment.

 9 [MIO 2-5] However, because Defendants neither propounded discovery, [MIO 5] nor

10 submitted an affidavit specifically demonstrating how postponement of a ruling and

11 granting additional time for discovery would enable Defendants to rebut Loancare’s

12 showing, see Rule 1-056(F) NMRA (requiring such an affidavit), the district court was

13 at liberty to proceed with the award of summary judgment. See Butler v. Deutsche

14 Morgan Grenfell, Inc., 2006-NMCA-084, ¶¶ 38-39, 140 N.M. 111, 140 P.3d 532

15 (arriving at a similar conclusion under similar circumstances). Although Defendant

16 suggests that his comments at the summary judgment hearing should supply an

17 adequate substitute for failure to comply with Rule 1-056(F), we disagree. See

18 generally Bruce v. Lester, 1999-NMCA-051, ¶ 4, 127 N.M. 301, 980 P.2d 84
 1 (observing that pro se litigants must comply with the rules of the court and will not

 2 be treated differently from litigants with counsel).

 3   {5}   Finally, we understand Defendants to contend that the district court should have

 4 granted their Rule 1-060(B) motion as a matter of equity, in order to afford them the

 5 opportunity to inspect their original loan documents. [DS 5-6] However, Defendants

 6 were not denied this opportunity; they simply failed to avail themselves of standard

 7 discovery practice in a timely and appropriate fashion. Under such circumstances, we

 8 remain unpersuaded that Defendants were entitled to relief. See generally Benavidez

 9 v. Benavidez, 1983-NMSC-032, ¶ 14, 99 N.M. 535, 660 P.2d 1017 (observing that

10 Rule 1-060(B) “cannot be used to relieve a party from the duty to take legal steps to

11 protect his interests”).

12   {6}    Accordingly, for the reasons stated above and in the notice of proposed

13 summary disposition, we affirm.

14   {7}   IT IS SO ORDERED.


15                                                ________________________________
16                                                JAMES J. WECHSLER, Judge


17 WE CONCUR:


18 ________________________________
1 MICHAEL D. BUSTAMANTE, Judge


2 ________________________________
3 RODERICK T. KENNEDY, Judge
