                                                            FILED
                                                             DEC 02 2016
 1                         NOT FOR PUBLICATION
                                                         SUSAN M. SPRAUL, CLERK
 2                                                         U.S. BKCY. APP. PANEL
                                                           OF THE NINTH CIRCUIT

 3                  UNITED STATES BANKRUPTCY APPELLATE PANEL
 4                            OF THE NINTH CIRCUIT
 5   In re:                        )      BAP No.      EC-16-1015-KuMaJu
                                   )
 6   ROBERTO LARA RAMIREZ,         )      Bk. No.      15-26710
                                   )
 7                  Debtor.        )
     ______________________________)
 8                                 )
     ROBERTO LARA RAMIREZ,         )
 9                                 )
                    Appellant,     )
10                                 )
     v.                            )      MEMORANDUM*
11                                 )
     NATIONSTAR MORTGAGE LLC,      )
12                                 )
                    Appellee.      )
13   ______________________________)
14                  Argued and Submitted on October 20, 2016
                            at Sacramento, California
15
                            Filed – December 2, 2016
16
               Appeal from the United States Bankruptcy Court
17                 for the Eastern District of California
18     Honorable Ronald H. Sargis, Chief Bankruptcy Judge, Presiding
19   Appearances:     Appellant Roberto Lara Ramirez, pro se, on brief;
                      Matthew Bryan Learned of McCarthy & Holthus, LLP
20                    argued for appellee Nationstar Mortgage LLC.
21
22   Before: KURTZ, MARTIN** and JURY, Bankruptcy Judges.
23
24
          *
           This disposition is not appropriate for publication.
25   Although it may be cited for whatever persuasive value it may
26   have (see Fed. R. App. P. 32.1), it has no precedential value.
     See 9th Cir. BAP Rule 8024-1.
27
          **
           Hon. Brenda K. Martin, United States Bankruptcy Judge for
28   the District of Arizona, sitting by designation.
 1                              INTRODUCTION
 2        Chapter 131 debtor Roberto Lara Ramirez appeals from an
 3   order granting relief from stay to Nationstar Mortgage LLC.      The
 4   bankruptcy court granted Nationstar retroactive relief from the
 5   stay, which effectively validated Nationstar’s postpetition
 6   foreclosure sale.   The sale was held one day after the
 7   commencement of Ramirez’s latest bankruptcy case.     The bankruptcy
 8   court also granted Nationstar prospective, in rem relief under
 9   § 362(d)(4).
10        All of the relief granted was based, at least in part, on a
11   clearly erroneous finding of fact.     Among other things, the
12   bankruptcy court found that Ramirez engaged in a series of
13   transfers in a deliberate attempt to interfere with Nationstar’s
14   foreclosure efforts.   But there were no allegations or evidence
15   of any such transfers anywhere in the record.
16        As a result, we must VACATE the bankruptcy court's order
17   granting Nationstar relief from the automatic stay, and we must
18   REMAND for further proceedings.
19                                 FACTS2
20        Ramirez commenced the underlying chapter 13 bankruptcy case
21
          1
22         Unless specified otherwise, all chapter and section
     references are to the Bankruptcy Code, 11 U.S.C. §§ 101-1532, and
23   all "Rule" references are to the Federal Rules of Bankruptcy
     Procedure, Rules 1001-9037. All “Local Rule” references are to
24   the Local Bankruptcy Rules for the Eastern District of
     California.
25
          2
26         Many of the facts set forth herein are drawn from the
     bankruptcy court’s written rulings. Ramirez has not challenged
27   on appeal the accuracy of these facts, many of which are
     procedural in nature and are supported by the history of
28   Ramirez’s bankruptcy filings.

                                       2
 1   on August 25, 2015.    This was not Ramirez’s first bankruptcy
 2   case.   In fact, he had filed four others in the past few years,
 3   as follows:
 4   (1)   In December 2011, Ramirez filed a chapter 13 case.    That
 5         case was dismissed in July 2013 for failure to cure defaults
 6         in plan payments and failure to file and seek confirmation
 7         of a modified plan to address the plan defaults.
 8   (2)   In April 2014, Ramirez filed, pro se, a chapter 7 case.
 9         That case was dismissed in May 2014 based on Ramirez’s
10         failure to file many of the documents required under
11         § 521(a).
12   (3)   In June 2014, Ramirez filed, pro se, another chapter 7 case.
13         Ramirez received his discharge, and the case was closed in
14         October 2014.   Additionally, Nationstar sought and received
15         relief from the automatic stay to proceed with a nonjudicial
16         foreclosure against Ramirez’s residence.
17   (4)   In December 2014, Ramirez filed, pro se, another chapter 13
18         case.   That case was dismissed in June 2015 for failure to
19         cure defaults in plan payments and failure to file and seek
20         confirmation of a modified plan after the bankruptcy court
21         denied confirmation of his initial chapter 13 plan.    The
22         record from this chapter 13 case also reflects Ramirez's
23         failure to attend his § 341 meeting of creditors, his
24         failure to complete all of the required chapter 13 documents
25         – including his initial chapter 13 plan – and his failure to
26         disclose his multiple prior bankruptcy cases.
27         In light of Ramirez’s prior bankruptcy filings and pursuant
28   to § 362(c)(3)(A), the automatic stay in the underlying

                                       3
 1   bankruptcy case was due to automatically expire with respect to
 2   the debtor as of September 24, 2015 – 30 days after the filing of
 3   Ramirez’s latest bankruptcy petition.   Ramirez filed three
 4   motions requesting that the court extend the automatic stay.    The
 5   bankruptcy court denied the first motion to extend based on its
 6   finding that Ramirez had not rebutted the presumption of bad
 7   faith arising pursuant to § 362(c)(3)(C).   Based on Ramirez’s own
 8   admissions, the bankruptcy court in essence found that Ramirez
 9   had filed his latest bankruptcy case not for any legitimate
10   bankruptcy purpose but rather to delay Nationstar’s scheduled
11   foreclosure sale in the hopes that he could persuade Nationstar
12   to agree to a new loan modification.3
13        The bankruptcy court denied the second two motions to extend
14   because they were untimely and because Ramirez still had not
15   rebutted the bad faith presumption.
16        In December 2015, Nationstar filed its motion for relief
17   from stay.   In the motion, Nationstar requested both retroactive
18   and prospective relief.   More specifically, Nationstar explained
19   that, to enforce its rights as a secured creditor, a foreclosure
20   sale of Ramirez’s residence had occurred on August 26, 2015, the
21   day after Ramirez had filed his latest bankruptcy petition.
22   Nationstar sought retroactive relief from the stay – also known
23   as annulment of the stay – to validate its postpetition
24   foreclosure sale.   Nationstar also sought prospective relief from
25   the automatic stay pursuant to § 362(d)(4), claiming that
26
27
          3
           Nationstar and Ramirez already had entered into a prior
28   loan modification agreement in 2010.

                                      4
 1   Ramirez’s history of serial bankruptcy filings reflected a scheme
 2   by Ramirez to delay Nationstar from exercising its rights as a
 3   secured creditor.
 4        In support of its request for retroactive relief, Nationstar
 5   submitted evidence indicating that it was unaware of Ramirez’s
 6   August 25, 2015 bankruptcy filing at the time it conducted the
 7   August 26, 2015 foreclosure sale.    Nationstar further asserted
 8   that it had been attempting to foreclose on Ramirez’s residence
 9   since 2011, citing a 2011 notice of default and a 2011 notice of
10   sale, which referenced a sale date of December 14, 2011.
11   Nationstar pointed out that Ramirez’s first chapter 13 filing,
12   commenced on December 2, 2011, prevented the foreclosure sale
13   from occurring as scheduled.   Nationstar also pointed out that it
14   caused to be published another notice of sale in 2014 referencing
15   a sale date of December 3, 2014, and that Ramirez’s December 2,
16   2014 bankruptcy filing prevented that 2014 foreclosure sale from
17   occurring.
18        In his opposition, Ramirez claimed that he immediately gave
19   Nationstar and its counsel notice of his latest bankruptcy filing
20   but that Nationstar ignored the notices and proceeded with the
21   foreclosure sale despite its knowledge of the automatic stay.
22   According to Ramirez, these facts by themselves were sufficient
23   to justify denial of retroactive relief.
24        As for prospective relief under § 362(d)(4), Ramirez argued
25   that Nationstar attempted to justify the granting of this relief
26   based solely on his serial bankruptcy filings.    According to
27   Ramirez, multiple bankruptcy filings, alone, cannot support a
28   finding of a scheme to hinder, delay or defraud for purposes of

                                      5
 1   § 362(d)(4).   Appellant also asked for an evidentiary hearing so
 2   he could present evidence of the notice he gave to Nationstar on
 3   August 25, 2015.
 4        At the hearing on the relief from stay motion, the
 5   bankruptcy court ruled that Nationstar was entitled to the
 6   retroactive and prospective relief requested in its motion.    On
 7   the issue of stay annulment, the bankruptcy court stated that it
 8   had considered the totality of the circumstances and had weighed
 9   the factors identified in Nat'l Envtl. Waste Corp. v. City of
10   Riverside (In re Nat'l Envtl. Waste Corp.), 129 F.3d 1052, 1055
11   (9th Cir. 1997); and in Fjeldsted v. Lien (In re Fjeldsted),
12   293 B.R. 12, 25 (9th Cir. BAP 2003).   The bankruptcy court
13   concluded that the factors militated in favor of annulment.
14        At the time the bankruptcy court announced its ruling at the
15   hearing, Ramirez renewed his request for an evidentiary hearing
16   on the notice issue, but the bankruptcy court denied that
17   request, stating that the notice issue was beyond the scope of
18   the motion and beyond the scope of the court’s reasoning for
19   granting the motion, including retroactive relief.
20        The bankruptcy court’s denial of an evidentiary hearing was
21   made during the course of the following colloquy between the
22   bankruptcy court and Ramirez:
23        MR. RAMIREZ: Then can I show you something, that I gave
          notice to the bank that I file the bankruptcy?
24
          THE COURT: I am going to say no, because that really
25        goes beyond the issue of this motion and the reason I
          am granting the relief, which includes making it
26        retroactive.
27        MR. RAMIREZ: I have a document here that I sent to them
          on the 25th.
28

                                      6
 1        THE COURT: Okay. That is the day the foreclosure sale
          occurred. And what I am saying by this order is, there
 2        was no automatic stay in effect on the 25th when the
          foreclosure occurred.
 3
 4   Hr’g Tr. (Jan. 12, 2016) 8:8-18.
 5        The bankruptcy court’s statements made in support of its
 6   denial of the evidentiary hearing are at odds with its comments
 7   indicating that it had reviewed and considered all of the
 8   Fjeldsted factors.   Furthermore, the bankruptcy court’s written
 9   ruling suggests that it did consider the notice issue.    The
10   bankruptcy court noted both Nationstar’s representation that it
11   was unaware of the latest bankruptcy filing and Ramirez’s failure
12   to present evidence to support his notice allegations.
13        As for prospective, in rem relief, the bankruptcy court
14   stated that it could grant relief under § 362(d)(4) if it found
15   “a scheme to delay, hinder, or defraud creditors” involving
16   either: (a) a transfer of an interest in the subject real
17   property without creditor consent or court approval; or
18   (b) “multiple bankruptcy filings affecting such real property.”
19   11 U.S.C. § 362(d)(4).
20        According to the bankruptcy court, the existence of such a
21   scheme by Ramirez was evidenced not only by the number of
22   Ramirez’s prior bankruptcy filings but also by his frequent
23   failure to prosecute his bankruptcy cases by filing required
24   documents.   The bankruptcy court also emphasized that Ramirez had
25   attempted to “hide” his prior bankruptcy cases from the court.
26   Ramirez attempted this, the court explained, by filing an amended
27   statement of social security number in which he alleged that he
28   had “lost” his social security number – after he earlier had

                                        7
 1   filed in the same case an acknowledgment of his social security
 2   number – a number which led the court to Ramirez’s prior
 3   bankruptcy case filings.
 4        There was one other factor the bankruptcy court pointed to
 5   in its ruling granting § 362(d)(4) relief.   The bankruptcy court
 6   referenced certain transfers Ramirez allegedly made to
 7   beneficiaries who then filed bankruptcy in order to stay the
 8   foreclosure.   As the bankruptcy court put it:
 9        Movant has provided sufficient evidence concerning a
          series of bankruptcy cases being filed with respect to
10        the subject property. The unauthorized transfers of
          interests in the subject property to beneficiaries who
11        then filed several bankruptcies were a deliberate
          attempt as a stay to any foreclosure. The court finds
12        that the filing of the present petition works as part
          of a scheme to delay, hinder, or defraud Movant with
13        respect to the Property by both the transfer of an
          interest in the property and the filing of multiple
14        bankruptcy cases.
15   Civil Minutes (Jan 12, 2016) at p. 5 (emphasis added).
16        This portion of the bankruptcy court’s ruling is perplexing.
17   Nationstar neither alleged nor submitted evidence of any such
18   transfers, nor have we found any evidence of such transfers
19   elsewhere during our independent review of the bankruptcy court’s
20   docket.
21        On January 19, 2016, the bankruptcy court entered its order
22   granting Nationstar’s stay relief motion, and Ramirez timely
23   appealed.
24        On January 21, 2016, the underlying bankruptcy case was
25   dismissed on the chapter 13 trustee’s motion, based on a number
26   of deficiencies in the prosecution of Ramirez’s chapter 13 case,
27   which the bankruptcy court found constituted unreasonable delay
28

                                      8
 1   under § 1307(c)(1).4
 2                                JURISDICTION
 3        The bankruptcy court had jurisdiction pursuant to 28 U.S.C.
 4   §§ 1334 and 157(b)(2)(G).    An order granting or denying relief
 5   from the automatic stay is a final and appealable order, so we
 6   have jurisdiction under 28 U.S.C. § 158.     See Benedor Corp. v.
 7   Conejo Enters., Inc. (In re Conejo Enters., Inc.), 96 F.3d 346,
 8   351 (9th Cir. 1996).
 9                                     ISSUES
10   1.   Did the bankruptcy court abuse its discretion when it
11        granted Nationstar relief under § 362(d)(4)?
12   2.   Did the bankruptcy court abuse its discretion when it
13        annulled the stay in order to retroactively validate
14        Nationstar’s foreclosure sale?
15                             STANDARDS OF REVIEW
16        We review the bankruptcy court’s relief from stay order for
17   an abuse of discretion.    Id.;    First Yorkshire Holdings, Inc. v.
18   Pacifica L 22, LLC (In re First Yorkshire Holdings, Inc.),
19   470 B.R. 864, 868 (9th Cir. BAP 2012); In re Fjeldsted, 293 B.R.
20   at 18.
21        A bankruptcy court abuses its discretion if it applies an
22   incorrect legal standard or if its factual findings are
23
          4
24         Even though Ramirez did not appeal the dismissal order,
     this appeal is not moot. The order on appeal provided for
25   annulment of the stay and for in rem relief from the stay for a
26   period of two years from the date of entry of the bankruptcy
     court’s relief from stay order. If Ramirez were to prevail on
27   appeal, we could grant him meaningful relief from both the
     retroactive and prospective effects of the bankruptcy court’s
28   relief from stay order.

                                         9
 1   illogical, implausible or not supported by the record.      United
 2   States v. Hinkson, 585 F.3d 1247, 1261-62 (9th Cir. 2009)
 3   (en banc).
 4                                 DISCUSSION
 5        On appeal, Ramirez, pro se, asserts the same arguments he
 6   asserted in the bankruptcy court.      First, he claims there was
 7   insufficient evidence to support the bankruptcy court’s grant of
 8   prospective, in rem relief under § 362(d)(4).      And second, he
 9   claims the bankruptcy court should not have annulled the stay
10   because he gave notice of his bankruptcy filing to Nationstar on
11   the day the foreclosure occurred.      We will address each of these
12   claims in turn.
13   1.   Section 362(d)(4)
14        Under § 362(d)(4), the bankruptcy court may grant a secured
15   creditor prospective, “in rem” relief from the automatic stay if
16   the debtor has engaged in a scheme to delay, hinder or defraud
17   creditors through multiple bankruptcy filings.      In re First
18   Yorkshire Holdings, Inc., 470 B.R. at 870.      A properly entered
19   and recorded § 362(d)(4) order prevents – for a period of two
20   years – any subsequent bankruptcy filing by anyone with an
21   interest in the subject property from operating as a stay of lien
22   enforcement against the property.      § 362(b)(20); In re First
23   Yorkshire Holdings, Inc., 470 B.R. at 871.
24        The broad scope of this exception to the automatic stay
25   potentially can have grave consequences for debtors seeking
26   temporary relief from foreclosure activity.      Alakozai v. Citizens
27   Equity First Credit Union (In re Alakozai), 499 B.R. 698, 703
28   (9th Cir. BAP 2013).     Congress determined that this drastic form

                                       10
 1   of relief was necessary in order to deter schemes by the
 2   occasional debtor who filed serial bankruptcies and/or made a
 3   series of property transfers for the purpose of interfering with
 4   legitimate foreclosure efforts.    Id. at 702; In re First
 5   Yorkshire Holdings, Inc., 470 B.R. at 870.
 6        In order to grant § 362(d)(4) relief, a bankruptcy court
 7   must find: “(1) the debtor engaged in a scheme, (2) to delay,
 8   hinder or defraud the creditor, and (3) which involved either the
 9   transfer of property without the creditor's consent or court
10   approval or multiple filings.”    In re Alakozai, 499 B.R. at 703.
11        Here, the bankruptcy court articulated the correct legal
12   standard, made ample findings, and cited sufficient evidence to
13   support most of those findings.    In essence, the bankruptcy court
14   determined from Ramirez’s multiple bankruptcy cases and from the
15   way Ramirez conducted himself in those bankruptcy cases that
16   Ramirez had improperly utilized those cases to interfere with
17   Nationstar’s foreclosure efforts.      The bankruptcy court’s
18   findings in support of this determination were not clearly
19   erroneous – they were logical, plausible and supported by the
20   record.
21        On the other hand, we don’t know what to make of the
22   bankruptcy court’s additional findings that Ramirez engaged in a
23   series of unauthorized transfers of his residence and that these
24   transfers were part of his scheme to hinder, delay or defraud
25   Nationstar.   There were no allegations or evidence in the record
26   reflecting such transfers, so the bankruptcy court’s transfer-
27   related findings were clearly erroneous.
28        Nor are we convinced that the transfer-related findings were

                                       11
 1   harmless error.    We simply don’t know for sure whether, in the
 2   absence of the transfer-related findings, the bankruptcy court
 3   still would have inferred Ramirez’s scheme to hinder, delay or
 4   defraud Nationstar from the remaining findings.    On the record
 5   presented, such an inference would not have been unreasonable;
 6   even so, such an inference was not inevitable.
 7        Under these circumstances, we must vacate the bankruptcy
 8   court’s grant of § 362(d)(4) relief and remand for a new
 9   determination of this issue.
10   2.   Stay Annulment
11        Actions taken in violation of the automatic stay are void.
12   In re Nat'l Envtl. Waste Corp., 129 F.3d at 1054.    However, under
13   § 362(d)(1), the bankruptcy court may “annul” the stay in order
14   to retroactively validate actions that otherwise would be void as
15   stay violations.    Id. (citing Schwartz v. United States
16   (In re Schwartz), 954 F.2d 569, 572 (9th Cir. 1992)).
17        In deciding whether "cause" exists to annul the stay, the
18   bankruptcy court must examine the circumstances of the particular
19   case and balance the equities.    In re Nat'l Envtl. Waste Corp.,
20   129 F.3d at 1055; In re Fjeldsted, 293 B.R. at 24.    Two factors
21   that have been considered critical in many cases are:
22   (1) whether the creditor was aware of the bankruptcy petition and
23   automatic stay and (2) whether the debtor engaged in unreasonable
24   or inequitable conduct.    In re Nat'l Envtl. Waste Corp., 129 F.3d
25   at 1055.   But these factors are not always determinative.   Id.
26   Each case presents its own unique circumstances that must be
27   evaluated on a case by case basis.    Id.
28        We have identified several other factors that can be

                                      12
 1   relevant in deciding whether to annul the stay:
 2        1. Number of filings;
 3        2. Whether, in a repeat filing case, the circumstances
          indicate an intention to delay and hinder creditors;
 4
          3. A weighing of the extent of prejudice to creditors
 5        or third parties if the stay relief is not made
          retroactive, including whether harm exists to a bona
 6        fide purchaser;
 7        4. The Debtor's overall good faith (totality of
          circumstances test);
 8
          5. Whether creditors knew of stay but nonetheless took
 9        action, thus compounding the problem;
10        6. Whether the debtor has complied, and is otherwise
          complying, with the Bankruptcy Code and Rules;
11
          7. The relative ease of restoring parties to the status
12        quo ante;
13        8. The costs of annulment to debtors and creditors;
14        9. How quickly creditors moved for annulment, or how
          quickly debtors moved to set aside the sale or
15        violative conduct;
16        10. Whether, after learning of the bankruptcy,
          creditors proceeded to take steps in continued
17        violation of the stay, or whether they moved
          expeditiously to gain relief;
18
          11. Whether annulment of the stay will cause
19        irreparable injury to the debtor;
20        12. Whether stay relief will promote judicial economy
          or other efficiencies.
21
22   In re Fjeldsted, 293 B.R. at 25 (citations omitted).    Here, the
23   bankruptcy court stated that it had reviewed all of these factors
24   and had considered the totality of the circumstances.   At the
25   same time, the bankruptcy court’s ruling and its hearing comments
26   suggest that it relied heavily on Ramirez’s scheme to hinder,
27   delay or defraud Nationstar in finding cause to annul the stay.
28   This is why the bankruptcy court, in finding cause, referenced

                                    13
 1   its findings regarding Ramirez’s “transparently purposeful”
 2   conduct in “prejudicing” Nationstar’s foreclosure efforts and
 3   also stated that the underlying bankruptcy case was part of
 4   Ramirez’s “scheme to prejudice” Nationstar.
 5        As we explained above, the bankruptcy court’s clearly
 6   erroneous transfer-related findings fatally infected the court’s
 7   inference of a scheme to hinder, delay or defraud Nationstar.
 8   Because the existence of this scheme was a critical factor in the
 9   bankruptcy court’s determination of cause to annul the stay, we
10   must VACATE the bankruptcy court’s grant of retroactive stay
11   relief and must REMAND for a new determination of this issue.
12   3.   Denial of Ramirez’s Request to Present Evidence on Notice
13        Issue
14        There is one other issue we need to address.     It concerns
15   Ramirez’s request in his opposition for an opportunity to present
16   evidence on whether Nationstar had knowledge of the automatic
17   stay at the time it conducted its foreclosure sale.     Ramirez
18   renewed this request at the relief from stay hearing, at which
19   point the bankruptcy court denied the request.
20        Ramirez did not even remotely comply with the requirements
21   for obtaining an evidentiary hearing set forth in Local Rules
22   9014-1(f)(1)(B)5 and 9014-1(g)(3).6    We already have upheld a
23
          5
24            Local Rule 9014-1(f)(1)(B) provides in relevant part:
25        The opposition shall specify whether the responding
26        party consents to the Court’s resolution of disputed
          material factual issues pursuant to Fed. R. Civ.
27        P. 43(c) as made applicable by Fed. R. Bankr. P. 9017.
          If the responding party does not so consent, the
28                                                      (continued...)

                                       14
 1   prior version of the Local Rules, which contained similar
 2   requirements.     See Tyner v. Nicholson (In re Nicholson), 435 B.R.
 3   622, 635–36 (9th Cir. BAP 2010), partially abrogated on other
 4   grounds by, Law v. Siegel, 134 S.Ct. 1188, 1196–98 (2014).    In
 5   addition, Ramirez failed to include with his opposition papers
 6   any evidence that would have laid a foundation for a disputed
 7   factual issue regarding Nationstar’s knowledge of the stay.    This
 8   absence of evidence in Ramirez’s opposition also violated Local
 9   Rule 9014-1(f)(1)(B).
10        On the other hand, in denying Ramirez’s request to present
11   evidence at the relief from stay hearing, the bankruptcy court
12   did not invoke its Local Rules as the basis for the denial.
13   Instead, in denying the request, the bankruptcy court suggested
14   that the notice issue was largely irrelevant.    This comment by
15
16
          5
           (...continued)
17        opposition shall include a separate statement
          identifying each disputed material factual issue. The
18
          separate statement shall enumerate discretely each of
19        the disputed material factual issues and cite the
          particular portions of the record demonstrating that a
20        factual issue is both material and in dispute. Failure
          to file the separate statement shall be construed as
21        consent to resolution of the motion and all disputed
22        material factual issues pursuant to Fed. R. Civ.
          P. 43(c).
23
          6
              Local Rule 9014-1(g)(3) provides:
24
          An opposition and/or reply to a motion shall state
25        whether a party consents to the use of affidavits in
26        accordance with Fed. R. Civ. P. 43(c). Any party that
          fails to file the separate statement of disputed
27        material facts as required by LBR 9014-1 will thereby
          consent to proceed on the basis of the written record
28        without live testimony.

                                       15
 1   the bankruptcy court is difficult to reconcile with the
 2   bankruptcy court’s statement that, in determining whether to
 3   annul the stay, it was considering the totality of the
 4   circumstances as well as the Fjeldsted factors.     The comment is
 5   even harder to reconcile with the notion that the creditor’s
 6   knowledge of the stay often is one of the most critical factors
 7   in determining whether to annul the stay.     See In re Nat'l Envtl.
 8   Waste Corp., 129 F.3d at 1055.
 9        In any event, because we are remanding on other grounds, we
10   need not resolve this conundrum.      On remand, the bankruptcy court
11   should clarify the grounds it is relying upon to support its
12   denial of Ramirez’s request to present evidence on the notice
13   issue.   Alternately, the bankruptcy court has the option on
14   remand to exercise its discretion to reopen the record and permit
15   the presentation of evidence.7
16                               CONCLUSION
17        For the reasons set forth above, we VACATE the bankruptcy
18   court’s order granting Nationstar relief from the automatic stay,
19   and we REMAND for further proceedings.
20
21
22
23
24
          7
           Also on remand, the bankruptcy court should note that, if
25   it grants retroactive stay relief and validates Nationstar’s
26   foreclosure sale, it no longer would be necessary or correct to
     additionally grant Nationstar relief under § 362(d)(4), because
27   Nationstar no longer would be “a creditor whose claim is secured
     by an interest in the property in question.” See Ellis v. Yu
28   (In re Ellis), 523 B.R. 673, 679-80 (9th Cir. BAP 2014).

                                      16
