Court of Appeals of New Mexico

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IN THE COURT OF APPEALS OF THE STATE OF NEW MEXICO

No. A-1-CA-39250

SOPHIE TRACY,

Plaintiff-Appellant,

v.

AXA EQUITABLE LIFE INSURANCE

COMPANY; LOUISE CAMPBELL-

TOLBER; and LOUISE CAMPBELL,

CHFC, CLU,

Defendants-Appellees.

APPEAL FROM THE DISTRICT COURT OF VALENCIA COUNTY
James L. Sanchez, District Judge

Harrison, Hart & Davis LLC

Frank T. Davis, Jr.

Albuquerque, NM

for Appellant

Law Office of Jeffrey E. Jones

Jeffrey E. Jones

Santa Fe, NM

Peifer, Hanson, Mullins & Baker, P.A.

Robert E. Hanson

Albuquerque, NM

for Appellees

MEMORANDUM OPINION

BOGARDUS, Judge.

{1}       Plaintiff appeals the dismissal of her complaint on statute of limitations grounds. On October 25, 2021, this Court filed a notice of proposed disposition, proposing to affirm. [CN 1, 6] Defendants filed a memorandum in support and Plaintiff filed a memorandum in opposition to our proposed disposition, which we have duly considered. Unpersuaded, we affirm.

{2}       Plaintiff maintains that dismissal of her complaint was in error because the intermittent injury rule should apply to her claims, triggering a new statute of limitations every time Defendant AXA Equitable Life Insurance Company sent her a communication that was misleading or omitted material information regarding the interest rates of Plaintiff’s loans. [MIO 4] As in the docketing statement, however, Plaintiff’s memorandum in opposition has failed to identify what communications she is referring to or the timeliness of those communications. See Muse v. Muse, 2009-NMCA-003, ¶ 72, 145 N.M. 451, 200 P.3d 104 (“We will not search the record for facts, arguments, and rulings in order to support generalized arguments.”); Chan v. Montoya, 2011-NMCA-072, ¶ 9, 150 N.M. 44, 256 P.3d 987 (“It is not our practice to rely on assertions of counsel unaccompanied by support in the record. The mere assertions and arguments of counsel are not evidence.” (internal quotation marks and citation omitted)).

{3}       To the extent that Plaintiff points to the documents referenced in Defendants’ motion for summary judgment [1 RP 229, 232-33], this generalized reference to the existence of these documents does nothing to assist Plaintiff in meeting her burden to establish the timeliness of these communications, nor does it establish that the communications contained misinformation or were misleading in any way. See Elane Photography, LLC v. Willock, 2013-NMSC-040, ¶ 70, 309 P.3d 53 (“We will not review unclear arguments, or guess at what a party’s arguments might be.” (alteration, internal quotation marks, and citation omitted)); see also id. (“To rule on an inadequately briefed issue, this Court would have to develop the arguments itself, effectively performing the parties’ work for them. This creates a strain on judicial resources and a substantial risk of error. It is of no benefit either to the parties or to future litigants for this Court to promulgate case law based on our own speculation rather than the parties’ carefully considered arguments.” (internal quotation marks and citation omitted)); Muse, 2009-NMCA-003, ¶ 72. As such, we conclude that Plaintiff has failed to carry her burden to demonstrate error. See State v. Mondragon, 1988-NMCA-027, ¶ 10, 107 N.M. 421, 759 P.2d 1003 (stating that a party responding to a summary calendar notice must come forward and specifically point out errors of law and fact, and the repetition of earlier arguments does not fulfill this requirement), superseded by statute on other grounds as stated in State v. Harris, 2013-NMCA-031, ¶ 3, 297 P.3d 374.

{4}       For the reasons stated in our notice of proposed disposition and herein, we affirm.

{5}       IT IS SO ORDERED.

KRISTINA BOGARDUS, Judge

WE CONCUR:

MEGAN P. DUFFY, Judge

JANE B. YOHALEM, Judge