Filed 8/27/15 Palmer v. JP Morgan Chase Bank CA4/1
                      NOT TO BE PUBLISHED IN OFFICIAL REPORTS
California Rules of Court, rule 8.1115(a), prohibits courts and parties from citing or relying on opinions not certified for
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                         COURT OF APPEAL, FOURTH APPELLATE DISTRICT

                                                       DIVISION ONE

                                                STATE OF CALIFORNIA



DIANE C. PALMER,                                                    DO67434

         Plaintiff and Appellant,
                                                                    (Super. Ct. No. CIVRS1106927)
         v.

JP MORGAN CHASE BANK, N.A.,

         Defendant and Respondent.


         APPEAL from a judgment of the Superior Court of San Bernardino, Barry L. Plotkin,

Judge. Affirmed.

         Diane C. Palmer, in pro. per., for Plaintiff and Appellant.

         Bryan Cave and Julie W. O'Dell, David J. Joerger, Sean D. Muntz, and Richard P.

Steelman, Jr., for Defendant and Respondent.

         Diane C. Palmer challenges the trial court's order setting aside the default judgment

against JP Morgan Chase Bank, N.A. (Chase) and the trial court's entry of judgment of dismissal

with prejudice of her first amended complaint. We deny Palmer's challenges and affirm the

judgment in favor of Chase.
                      FACTUAL AND PROCEDURAL BACKGROUND

       Palmer's ex-husband defaulted on a home loan Chase had acquired from Washington

Mutual. After Chase foreclosed on the home, Palmer sued Chase to unwind the foreclosure sale.

In September 2011, Palmer filed an unsigned proof of service of the complaint along with a

copy of a return receipt of mailing of summons and complaint directed at Chase Home Finance,

LLC, but not to any particular agent or officer of Chase.

       In December 2011, Palmer sought to enter a default judgment against Chase at a case

management conference, but the court declined based on its concern about the propriety of her

service of the summons and complaint. The court advised Palmer "to seek legal advice

regarding proof of service and complaint."

       In January 2012, Palmer sent by certified mail copies of her motion for default judgment

and the summons and complaint to Arthur Schwachman, Senior Counsel, J.P. Morgan Chase

and Co., at a Los Angeles address, but she did not file an amended proof of service of the

complaint with the court. Later that month, Palmer unsuccessfully sought to enter Chase's

default on two more occasions, but the clerk rejected her applications for failure to serve Chase

exactly as she had named it in her complaint.

       Palmer submitted a fourth request for entry of default, which the clerk entered as

requested on January 19, 2012. Given Palmer's repeated attempts to enter its default, Chase

attempted to file an answer to put the matter at issue even though it did not believe Palmer had

properly served it. After the court rejected the answer based on the January 19, 2012 entry of

default, Chase successfully moved to set aside the entry of default based on Palmer's failure to

properly serve the summons and complaint. Palmer moved for reconsideration of the court's

                                             2
order setting aside the default, but the court denied the motion. Chase provided Palmer with

notice of the ruling.

       In April 2012, Chase filed a demurrer to Palmer's complaint, which the court sustained

with leave to amend. Palmer filed her first amended complaint, but the court sustained Chase's

demurrer to it with leave for Palmer to file an amended complaint on or before October 15,

2012. More than a month after the time to file an amended complaint expired, Palmer requested

an extension of time to file her amended complaint.

       Before the court ruled on Palmer's extension request, Chase filed an ex parte application

requesting dismissal of the action based on Palmer's failure to timely file an amended complaint.

At the hearing on the ex parte application, for which Chase appeared telephonically and Palmer

appeared in person, the court entered a judgment of dismissal of the action with prejudice.

       Palmer unsuccessfully moved for reconsideration of entry of judgment of dismissal and

now appeals.

                                          DISCUSSION1

       Palmer contends the court erred in setting aside Chase's default and in dismissing her

action.2



1      Palmer's motion to take judicial notice of California statutes and appellate cases is
granted. (Evid. Code, § 451, subd. (a).)

2      Palmer's opening brief confines her contentions to these two issues, although it
makes a passing reference to the merits of her underlying wrongful foreclosure case. Her
reply brief attempts to argue the merits of the wrongful foreclosure case in detail.
However, we decline to address these new issues. (See Reichardt v. Hoffman (1997) 52
Cal.App.4th 754, 764-766 [recognizing that absent an exceptional showing of good
cause, an appellate court will not address issues raised for the first time in a reply brief].)
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                                   I. Motion to Set Aside Default

       A trial court's ruling on a motion to set aside a default is reviewed for an abuse of

discretion. The outcome of such a motion " 'rests almost entirely in the discretion of the court

below, and appellate tribunals will rarely interfere . . . unless it clearly appears that there has

been a plain abuse of discretion.' " (City of Ontario v. Superior Court (1970) 2 Cal.3d 335,

347.) " 'Discretion is abused whenever, in its exercise, the court exceeds the bounds of reason,

all of the circumstances before it being considered.' " (Denham v. Superior Court (1970)

2 Cal.3d 557, 566.) A trial court's grant of such a motion promotes the public policy favoring

trials on the merits and thus only "very slight evidence is required to justify a trial court's order

setting aside a default." (Shamblin v. Brattain (1988) 44 Cal.3d 474, 478.) As a self-

represented litigant, Palmer is not entitled to any special consideration but is held to the same

standards as litigants represented by counsel. (Harding v. Collazo (1986) 177 Cal.App.3d 1044,

1056.) Here, we find the trial court did not abuse its discretion in setting aside the entry of

default against Chase.

       Service on a defendant in another state may be accomplished by any of the four methods

for serving persons within California, including service by mail with acknowledgement of

receipt. (Code Civ. Proc., §§ 413.10, subd. (b), 415.40.) Service on out-of-state corporations

may be made on "any officer of the corporation or its general manager in this state." (Corp.

Code, § 2110.) Effecting service upon a corporation requires delivery of a summons and

complaint to a particular person authorized to accept service on behalf of the corporation. (Dill

v. Berquist Const. Co., Inc., (1994) 24 Cal.App.4th 1426, 1437.)



                                               4
       Here, the evidence in the record fails to establish that Palmer properly effected out-of-

state service of the summons and complaint on an agent authorized to receive service of process

on behalf of Chase. On two separate occasions she mailed a copy of the summons and

complaint to Chase affiliates in Florence, South Carolina but did not name any particular person

as the recipient. The mail was received by a person who signed the mail receipt as Ted Butler

without specifying his position at Chase. Palmer's failure to identify a specific person

authorized to accept service on behalf of the corporation rendered her attempted service invalid.

(Dill v. Berquist Const. Co., Inc., supra, 24 Cal.App.4th at pp.1436-1439.)

       The court apparently recognized these problems at the case management conference

when it questioned the validity of Palmer's service on Chase. Although Palmer later mailed a

copy of the summons and complaint that was addressed to Arthur W. Schwachman, Senior

Counsel, J.P. Morgan Chase and Co. the record fails to substantiate that Mr. Schwachman was

an authorized agent for service of process on Chase. Further, for service of a summons and

complaint by mail within California to be valid, the recipient must sign an acknowledgment of

receipt of summons. (Code. Civ. Proc., § 415.30.) Palmer did not provide evidence of such an

acknowledgment of receipt.

       Palmer suggests that because Chase knew of the contents of the complaint as shown by

its unsuccessful attempt to file an answer, service of the complaint should be deemed proper.

However, Chase had no duty to respond to a defectively served summons. The requirement of

notice is not satisfied by a defendant's actual knowledge of the complaint absent service

conforming to the statutory requirements. (County of Alameda v. Lackner (1978) 79 Cal.App.3d

274, 282.) Further, the court lacks jurisdiction to enter the default against the improperly served

                                             5
defendant, and if it has done so the default must be set aside. (See Strathvale Holdings v. E.B.H.

(2005) 126 Cal.App.4th 1241, 1250 [holding that a default is void where court lacks personal

jurisdiction over the defaulted defendant].)

       Given Palmer's failure to establish valid service of process, the court did not abuse its

discretion in setting aside the default judgment against Chase.

                II. Motion to Dismiss for Failure to File First Amended Complaint

       A trial court's determination to dismiss an action under Code of Civil Procedure section

581, subdivision (f)(2), for failure to timely file an amended complaint or to deny leave to file a

belated amended pleading is reviewed for abuse of discretion. (Leader v. Health Industries of

America, Inc. (2001) 89 Cal.App.4th 603, 611.) Palmer appears to contend that three errors

require reversal of the court's judgment of dismissal: (1) Chase's failure to provide notice to

Palmer of any rulings until the final ruling of January 28, 2013, denying motion to reconsider

entry of judgment; (2) Chase's telephonic appearances (as opposed to personal appearances) at

various hearings, including the November 29, 2012, ex parte hearing resulting in the dismissal

of her case; and (3) the judge's bias against her.

               A. Chase's alleged failure to give notice of rulings

       Palmer fails to support her contention that she did not receive notice of the court's

rulings. To the contrary, the record establishes that Chase provided her with proper notice of

each ruling.

       When the court sustained Chase's demurrer with 20 days leave to amend on September

25, 2012, that day Chase gave notice of the ruling. Palmer had until October 15, 2012, to file an

amended complaint but failed to do so.

                                               6
       On November 13, 2012, Chase filed an ex parte application requesting entry of judgment

because of Palmer's failure to file an amended complaint and gave Palmer notice of the hearing

for "ex parte application for the entry of judgment of dismissal . . . " set for November 15, 2012,

at 8:30 a.m. On November 21, 2012, more than a month after the time to file an amended

complaint expired, Palmer filed a request for extension to serve second amended complaint until

December 7, 2012. Her reasons for the request were that she was self-represented, was trying to

understand the court's demurrer ruling and was gathering necessary documents. Notably she did

not claim that she needed more time because she had not received timely notice of the demurrer

ruling. Nor did she raise failure to receive timely notice of ruling in her motion for

reconsideration of the dismissal order.

       Palmer personally appeared at all of the court hearings involving contested matters and

has not demonstrated that the proofs of service Chase filed showing proper notice were

inaccurate or fraudulent. Moreover, she never objected in the trial court that she received

inadequate notice of any hearing or ruling and thus has waived the right to raise that objection

for the first time on appeal. (Consumers Union of U.S., Inc v. Alta-Dena Certified Dairy (1992)

4 Cal.App.4th 963, 976.) We conclude that Palmer's claim of lack of notice has no merit.

              B. Chase's telephonic appearances

       Palmer also contends that the court erred by not informing her in advance that Chase

would be appearing for hearings by telephone and by allowing Chase to do so. Again, however,

Palmer never objected below to Chase's telephonic appearances and thus her objections are

waived. (Consumer's Union of U.S., Inc. v. Alta-Dena Certified Dairy, supra, 4 Cal.App.4th at

p. 976.) Further, California Rules of Court, rule 3.670, specifically allows for telephonic

                                             7
appearances "[t]o improve access to the courts and reduce litigation costs, . . . to the extent

feasible, . . . at appropriate conferences, hearings, and proceedings in civil cases." 3 Chase's

telephonic appearances do not provide a basis for reversing the judgment of dismissal.

              C. Bias of the trial judge

       Palmer's final contention is that the trial judge was biased against her because he "retired

after [she] timely filed her motion to reconsider and refused to preside over scheduled hearing

and rule on the legal matter resulting in denial of [her] timely and justifiable filed motion." It is

difficult to fathom how the judge's decision to retire evinces a bias against Palmer. If the judge

was in fact biased, why would Palmer want him to decide the motion for reconsideration? The

fact that a judge rules against a party does not establish that judge is biased against that party.

Palmer has not identified anything in the record showing judicial bias. In addition Palmer failed

to timely object on the grounds of judicial bias. We reject this claim of error.




3       Although California Rules of Court, rule 3.670(h), requires notice of telephonic
appearance, Palmer has not shown on appeal that she was prejudiced in any way by the
fact that Chase's counsel appeared telephonically rather than in person at the hearings in
question.
                                               8
                                         DISPOSITON

      The judgment is affirmed. Chase is awarded its costs on appeal.



                                                                                   PRAGER, J.*

WE CONCUR:



       McDONALD, Acting P. J.



                   McINTYRE, J.




*       Judge of the San Diego Superior Court, assigned by the Chief Justice pursuant to
article VI, section 6 of the California Constitution.
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