                                   UNPUBLISHED

                     UNITED STATES COURT OF APPEALS
                         FOR THE FOURTH CIRCUIT


                                     No. 17-1428


ALLAN ASKAR; GALINA ZAGREBEINAYA,

                   Plaintiffs - Appellant,

             v.

E*TRADE BANK; M. RICHARD EPPS, P.C.,

                   Defendants - Appellees,

             and

JOHN DOE, purchaser,

                   Defendant.



Appeal from the United States District Court for the Eastern District of Virginia, at
Alexandria. Liam O’Grady, District Judge. (1:17-cv-00137-LO-TCB)


Submitted: September 29, 2017                            Decided: November 9, 2017


Before GREGORY, Chief Judge, and MOTZ and DUNCAN, Circuit Judges.


Affirmed by unpublished per curiam opinion.


Christopher E. Brown, THE BROWN FIRM, PLLC, Alexandria, Virginia, for Appellant.
Jon S. Hubbard, Sarah Warren Smith, TROUTMAN SANDERS LLP, Richmond,
Virginia, for Appellee.


Unpublished opinions are not binding precedent in this circuit.




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PER CURIAM:

      Appellants Allan Askar and Galina Zagrebeinaya commenced this action seeking a

judgment declaring the rights of E*Trade Bank (“E*Trade”) to foreclose on their

property. The district court granted E*Trade’s motion to dismiss, and Plaintiffs timely

appealed. Finding no error, we affirm.

      We review an order granting a Fed. R. Civ. P. 12(b)(6) motion de novo. King v.

Rubenstein, 825 F.3d 206, 214 (4th Cir. 2016). In reviewing the dismissal, “[w]e may

consider additional documents attached to the complaint or the motion to dismiss so long

as they are integral to the complaint and authentic.” Id. at 212 (internal quotation marks

omitted). “To survive a motion to dismiss, a complaint must contain sufficient factual

matter, accepted as true, to ‘state a claim to relief that is plausible on its face.’”

Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (quoting Bell Atl. Corp. v. Twombly, 550 U.S.

544, 570 (2007)). “Bare legal conclusions are not entitled to the assumption of truth and

are insufficient to state a claim.”   King, 825 F.3d at 214 (internal quotation marks

omitted).

      In 2006, Askar and Zagrebeinaya borrowed $552,000 from a lender, secured by a

deed of trust on their residence. The note was subsequently obtained by E*Trade. After

the borrowers defaulted on the loan, E*Trade, through its substitute trustee, M. Richard

Epps, * commenced foreclosure proceedings.      Because E*Trade was not the original


      *
        Askar and Zagrebeinaya also brought claims against Epps, but voluntarily
dismissed them after Epps moved to dismiss.


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lender and had not produced the note, Askar and Zagrebeinaya brought this action in an

effort to require E*Trade to prove its authority to foreclose on the property.

       As we have previously noted, “Virginia is a non-judicial foreclosure state.”

Horvath v. Bank of New York, N.A., 641 F.3d 617, 623 n.3 (4th Cir. 2011). Thus, “in the

event of default on a deed of trust, the trustee . . . may take possession of the property and

proceed to sell the same at auction without any need to first seek a court decree.” Id.

(internal quotation marks omitted) (quoting Va. Code Ann. § 55-59(7) (2007)).

       Here, Appellants’ contention that E*Trade must establish its entitlement to

foreclose contravenes Virginia’s nonjudicial foreclosure policy. In any event, E*Trade

actually produced a copy of the note, endorsed in blank, and Epps provided a sworn

affidavit affirming that he had possession of the original note.          “[P]ossession of a

negotiable instrument endorsed in blank permits the holder to enforce it,” Horvath, 641

F.3d at 621, and Appellants have offered nothing other than conclusory assertions that

this evidence of E*Trade’s authority to enforce the note is inadequate.

       Accordingly, we affirm the district court’s order. We dispense with oral argument

because the facts and legal contentions are adequately presented in the materials before

this court and argument would not aid the decisional process.

                                                                                 AFFIRMED




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