WATER AND POWER COMMUNITY CREDIT UNION v. JUAN M. JIMENEZ aka JUAN JIMENEZ; and ANDRES JIMENEZ

On February 17, 2026, Plaintiff filed this present motion for summary judgment, a separate statement, and declaration of Plaintiff’s “Senior Manager of Credit Resolution [and] Asset Quality” Jesus Vasquez, with attached exhibits. The motion seeks summary judgment as to all causes of action. The proof of service of

these documents reflects they were mailed to the same address listed on Defendants’ filed answer. Defendants have not filed timely opposition to the motion. (Code Civ. Proc., §437c, subd. (b)(2).)

“The purpose of the law of summary judgment is to provide courts with a mechanism to cut through the parties’ pleadings in order to determine whether, despite their allegations, trial is in fact necessary to resolve their dispute.” (Aguilar v. Atlantic Richfield Co. (2001) 25 Cal.4th 826, 843.) “Accordingly, the function of the trial court in ruling on a motion for summary judgment is merely to determine whether such issues of fact exist, and not to decide the merits of the issues themselves.” (Preach v. Monter Rainbow (1993) 12 Cal.App.4th 1441, 1449-1450.)

Summary judgment is appropriate when there are no material facts in dispute as to any essential element of a cause of action. (Code Civ. Proc. §437c.) Only the pleadings establish the grounds for granting or denying the summary judgment. (Tsemetzin v. Coast Federal Savings & Loan Assn. (1997) 57 Cal.App.4th 1334, 1343.)

The moving party bears the burden to establish that there are no material facts in dispute and that they are entitled to judgment as a matter of law. (Aguilar, supra, 25 Cal.4th at 850.) “A plaintiff moving for summary judgment must prove each element of each cause of action.” (Los Alamitos Unified School Dist. v. Howard Contracting, Inc. (2014) 229 Cal.App.4th 1222, 1225.)

Code Civ. Proc., § 437c, subd. (b), requires that a motion for summary judgment “be supported by affidavits, declarations, admissions, answers to interrogatories, depositions, and matters of which judicial notice shall or may be taken.” Any evidentiary objections not made are deemed waived. The Court, additionally, must consider reasonable inferences drawn from the presented evidence. (Code Civ. Proc., § 437c; Mann v. Cracchiolo (1985) 38 Cal.3d 18, 36.) Declarations and evidence offered in opposition must be liberally construed, while the moving party’s evidence must be construed strictly. (Sprecher v. Adamson Cos. (1981) 30 Cal.3d 358, 373; Shively v. Dye Creek Cattle Co., supra, (1994) 29 Cal.App.4th at 1627.)

Once the moving party’s burden has been met, the burden shifts to the opposing party to produce admissible evidence showing a triable issue of material facts exist. (Code Civ. Proc. §437c, subd. (p)(2); Aguilar, supra, 25 Cal.4th at 849-851.) “[T]here is no obligation on the opposing party... to establish anything by affidavit unless and until the moving party has by affidavit stated facts establishing every element ... necessary to sustain a judgment in his favor.” (Consumer Cause, Inc. v. SmileCare (2001) 91 Cal.App.4th 454, 468). As such, the failure of a party to oppose a motion for summary judgment is not, in and of itself, a sufficient basis for granting the motion as a motion “must stand self-sufficient and cannot succeed because the opposition is weak.” (AARTS Productions, Inc. v. Crocker National Bank, supra, 179 Cal.App.3d at 1064.)

Analysis.

Cause of Action 1: Breach of Contract.

The elements for a breach of contract are (1) the existence of a contract, (2) the plaintiff’s performance or excuse for performance, (3) the defendant’s breach, and (4) resulting damages. (Wall Street Network Ltd. v. N.Y. Times Co. (2008) 164 Cal.App.4th 1171, 1176.) An express contract is where the terms are stated in words. (Civ. Code §1620.)

Here, per the facts and supporting evidence, Defendants were loaned $75,000 by Plaintiff to purchase solar panels and related equipment, and agreed to pay Plaintiff back in installments plus interest for 240

months. (UMF 1.) Attached as an exhibit to the complaint and to Mr. Vasquez’s declaration is the signed Agreement. (J. Vasquez Decl. Ex. 2.)

As such, Plaintiff has established a contractual relationship. Although Plaintiff does not offer a direct undisputed material fact on point, implicit within the facts and evidence is that Plaintiff performed under the contract by providing the funds, and Defendants accepted the contract by using those funds and making partial payment on the loan. (UMF 3-5; J. Vasquez Decl. Ex. 4-5.) Per the evidence submitted, Defendants breached their contractual agreement by failing to make any payments after January 2024, and the principal due on the loan is $60,179.00. (Ibid.)

Based on the analysis above, Plaintiff has established each element for its breach of contract claim. Given that Plaintiff has presented undisputed evidence, and Defendants have not presented any evidence to rebut Plaintiff’s evidence and create an issue of triable fact, the motion for summary adjudication of the first cause of action is granted.

Cause of Action 2: Claim and Delivery.

“[A]cause of action for recovery of specific personal property, a code-based cause of action (see Code Civ. Proc., § 627), often incorrectly referred to as a ‘claim and delivery action.’” (Eleanor Licensing LLC v. Classic Recreations LLC (2018) 21 Cal.App.5th 599, 612.) Under the California Civil Code, “[a]ny person having the possession or control of a particular article of personal property, of which he is not the owner, may be compelled specifically to deliver it to the person entitled to its immediate possession.” (Civ. Code, § 3380.)

In a claim and delivery “action it is essential that the specific personal property claimed should be described with a reasonable degree of certainty; and, as a rule, money is not the subject of such an action unless it be marked or designated in some manner so as to make it specific as regards its capability of identification.” (Hillyer v. Eggers (1917) 32 Cal. App. 764, 766.)

Here, Plaintiff argues that it should receive possession of the solar panels and related equipment purchased with the funds Plaintiff loaned Defendants. Per the agreement between the parties, everything purchased with the funds loaned by Plaintiff served as security or collateral on the loan. (J. Vasquez Decl. Ex. 2.) Paragraph 7 of the Agreement specifically sates that:

Upon any occurrence of default, and to the extent permitted by law, We may declare the entire balance of Your loan immediately due and payable, without prior notice or demand. If the entire balance is not then paid immediately upon default, and if permitted by law, the Collateral shall be voluntarily surrendered to the Credit Union at a time and place acceptable to it. If this is not done, to the extent permitted by law, the Credit Union may enter the premises where the Collateral is located and take possession of it and the Credit Union may assert the defense of a superior right of possession as the holder of a security interest to any offense of alleged wrongful taking and conversion.

(Ibid.) The Agreement also describes the security/collateral as “Solar Panels: 25 Panasonic Evervolt EVPV 360 Inverters: ·1 Solar Edge SE7600H_US; Optimizers: 25 Solar Edge S440 HVAC 5 Ton Goodman Cool Roof (Owens Coming).” (UMF 1, 6-7, 9, 11, 14-16; J. Vasquez Decl. Ex. 2 at 1.)

These facts establish the necessary elements of an action for recovery of specific personal property. Once Plaintiff meets its initial burden, the burden shifts to Defendants to show a triable issue as to one or more material facts or a defense thereto, and they may not rely on the mere allegations or denials of their pleadings, but must set forth the specific facts showing a triable issue exists. (Aguilar, supra, 25 Cal.4th

at 849.) Given that Defendants have filed no opposition, they have not met their burden. Consequently, the court grants summary adjudication of the second cause of action in favor of the plaintiff.

TENTATIVE RULING

Plaintiff’s motion for summary judgement as to the entire action is granted.

Evidentiary Basis for Ruling: Declaration of Jesus Vasquez and Attached Exhibits Undisputed Material Facts 1-16.