FDIC as Receiver for AmTrust Bank v. Foundation Mortgage Corporation
Filing
123
OPINION AND ORDER GRANTING FOUNDATION MORTGAGE CORPORATION'S MOTION FOR SUMMARY JUDGMENT AGAINST THIRD-PARTY DEFENDANT DEZMAN ELLIOTT, DE 111 . Signed by Senior Judge James Lawrence King on 2/14/2018. (lrz1)
U NI
TED STAT ES D I
STR I T CO U RT
C
SO UTH ERN D I
STR I O F FLO R I A
CT
D
CASE N O. 1 c 24444- N G/
5- vKI TORRES
FEDERAL DEPOSI I
T NSUR AN CE
C O RPO R ATI N A S R EC EI ER FO R
O
V
A M TRU ST BAN K ,
Pl i if
a ntf ,
FO UNDATI M ORTGAGE
ON
CORPORATI
ON,
Def nt-hid- ry Pli if
enda /f r pa t antf,
D EZM AN ELLIO TT,
Thid- ry Def nda .
r pa t
e nt
/
OPI ON AND ORDER G RANTI FOUNDATI M ORTGAGE CO RPO RATI S
NI
NG
ON
ON'
M O TI N FO R SUM M A RY JU D G M ENT A G A I ST
O
N
T H I - RT Y D EFEN DA N T DE ZM AN ELLI TT
RD PA
O
Thi M ATTER co e be or t Cour u Thid- ry Pl i if Fo
s
m s f e he
t pon r pa t antf , undai M orgag
ton
t e
Co r to s (d u d to ' M oi n fr S mmay J d me tAg i tThr p ry Dee d n ,
mo ain' s n ain' to o u r u g n ans id- a t fn a t
Fo
)
Dez Eli t( E.111 (heC oto ',fldNove r3,201 TheCour ha addii ly
man lot D.
) t d in') ie
M
mbe
7.
t s tonal
c n iee Thr - ry De e d n ' Re p ns i Opp sto t t e Mo in ( E. 1 2 ,
o sd rd id pa t fn a ts s o e n
oi n o h
i
to D. 1 )
Foundai sRe yi Suppo toft Moton( E.1 4) t pa tes Pr TralStpultons( E.
ton' pl n
r he i D. 1 , he ri ' e- i i ai D.
1 , ndt a g
20) a he r ument ofc e ma onJ nuar 30,201
s ouns l de a y
8.
Fo
undai m o st Cour f e r ofa Or a J m e whi g a s s ma y
ton ve he
t or nty
n der nd udg nt ch r nt um r
j d me tt F u d to a t Co n 1 ofi Ame d d Thr pa t Co an ( E.4 ) fr
u g n o o n ain s o u t 1 t
s
n e id- ry mpli t D. 2 o
co mon 1 w i m nii a i a i tt r m ani Thid- ry De e
m
a nde fc ton gans he e i ng r pa t f ndant Dez a Eli t On
, m n lot.
CASE N O. 1 c 24444- LK
: 5- vJ
J y 1 201 t s Cour s r d t u ryi cli s br
ul 8, 7, hi
t eve e he nde l ng am
ought b Pl i if Fede alDe i
y antf,
r
post
I u a c Copoain a Re ev r f r AmTr s Ba k ($ C- ' a d Fo n ai n'
ns rn e r r to s c i e o
ut n û
FD1 R' n
)
u d to s
c rs
ore pondi t r pa t cli s i o f s pa ae lw s t . M r Eli t ha not move f
ng hid- ry am nt our e r t a uis
. lot s
d or
s mmayj d me t nFo n ain' tid p rycam.
u r u g n o u d to s hr - a t li
Asb kgr
ac ound,t sa ton a ie f o M r Eli tsde iet ac r a l n i t a ou
hi c i rs s r m
. lot' sr o quie oa n he m nt
of$ 8,41(het lot Loa ' t pur s a i smentpr ry l td a 1 67 Almanda
21 9 t s i t n' o cha e n nve t
El
)
ope t ocae t 9
a
W a Ri r Bea h,Fl i To d. s M r Eli t e oye Founda i a hi morga br ker
y, ve a c
orda.
o o, . lo t mpl d
ton s s
t ge o
a a n t coo di t fnancng f t pur has pur ua t t rwrte br r a e m e .
nd ge t o r nae i i or he c e s nt o hei il n oke gr e nt
Bae o fn n ilif r to Mr El ot r v d du d rp n lyo p ru y icu i rltdt
s d n i a ca n o mai n . l t p o ie n e e at f ej r ,n ldng eae o
i
hi i t nt t oc upy a pendi de oblga i ,Founda i s it d M r Eli ts l n
s ne o c
nd
ng bt i tons
ton ubm te
. lot' oa
a i tonand r l td doc nt t pr peci l r t obt n fnancng.
pplcai
e ae
ume s o os tve ende s o ai i i
Unde a s r t a e nt Founda i ha wih AmTr t Ba f me l known a
r epa a e gr eme
ton d t
us nk, or ry
s
Ohi Sa ngsBa FSB Ci
o vi
nk,
AmTnlt',i br kee c ran rsde ilmorga l ns i l ng
s') t o rd e ti e i nta
t ge oa , ncudi
t Eli t Loa t A m Tr t Folow i A m Tr t s de i e i t w a of t m or ga
he lo t
n o
us . ' l ng
us ' m s n he ke
he
t ge
m et
ldown,t FDI R br
he
C- oughtt i t ntu ryi aci n on is behaf a ns Foundaton
he nsa nde l ng to
t
l gai t
i
alegng t tM r Eli t a ong o' r borowe s f whi h Founda i br r d c ti l ns
l i ha
. lot, m
t
he
r r or c
ton oke e era n oa ,
m a m irpr s nttonsi t c s ofobt i ng t rl .Spe ii ly, he FDI R alege
de se e e a i n he our e
ani hei oans
c fcal t
C- l d
t t i br ac of Founda i s c r t l r pr s nt to and wara is M r Eli t
ha, n e h
ton' ontacua e e e ai ns
r nte , . lot
mirpr ene hi ( )i e t oc upy t pr ry s c i t Eli tsLoa a a prmay
se es td s 1 ntnt o c he opet e urng he lot'
n s i r
r i nc ,a ()de oblgai .Fo to uli tl r c dastlmentwiht FDI R
esde e nd 2 bt i tons undain tmaey ea he ete
t he Ct r s ve t m a n c a m i ta l pendi bef e t s Cour . The a ountof Foundato s t a
o e ol he i l i nii ly
ng or hi
t
m
i n' ot l
s tlmen pa
ete t ymen t t FD I R atrb a et t Eli tLoa i $83, 30.
t o he C- tiut bl o he lot n s 894.
2
CASE NO. 1 - 24444- LK
; 5 cvJ
A éa m f c
li or omm on l w i mniy i one t t i hit t e ie l s fom o who,
a nde t s
ha k fs he ntr os r
s
ne
alhough wihout a tve neglge e or f ul, has be oblgatd t pay, be aus of s l
t
t
ci
i nc
a t
en
i e o
c e
on e
vi a i ,c tuc i de i tve ort c c l la lt t a he who s d be r t coss
c rous onsr tve, rva i , e hnia i biiy, o not r
houl a he t
be a e i was t lters wr
c us t
he a t ' ongdoi f whih t f me i hel la e. Houdail I b
ng or c he or r s d i bl '
'
le ndus,
l .v Edwar 374 So.2d 490,493 ( a.1 . Toprvalon ac eofa ton f c
nc .
ds
F1 979)
e i
aus
ci or ommo
n
1w i mniy i Fl i t pat s e ng i mniy mus pr t e elme s $1 t thei
a nde t n orda, he ry e ki nde t
t ove hre e nt:é) ha s
wh lywi o tfut 2 ta t ep ryfo who h i se igi d mni i a ful; n 3 t t
o l t u a l; ) h t h a t r m
h
m e s e kn n e t s t a t a d ) ha
y
h i la l t te ij r d p ry o y b c u eh i vc ro sy,c n tu tv l,d rv t ey o
e s ibe o h n ue a t nl e a s e s iaiu l o sr ciey eiai l, r
v
tc c l la e f t wr ula t oft pa t fom who he i s eki i mniy.' Fl
e hnialy i bl or he ongf c s he ry r
m
s e ng nde t ' a.
Fa m Bu e u Ge .I s Co v I s Co o Am.7 ? S 2 4 9 43 ( a 5h DCA 2 0 )
r r a n n . . . n . . fN
, 6 o. d 2 , 5 Fl. t
00
(ii Gat Lands Co.v Ol Ptnf Ve a Be h Condo.71 So.2d 1132 ( a.5h DCA
ctng e
. d l e dr ac
, 5
F1 t
1 )
998).
I i undiput d,as M r Eli tc dl c
ts
s e
. lot andi y once i de ii a i hi r pons t
ded n poston nd n s es e o
F u d to ss mma yj d me tmoin t a teif r to i h sla a p iain a dr ltd
o n ain' u r u g n to , h t h n o main n i o n p lc to n eae
d c me t,s b te t e p n l o p ruy,c n enng h s itn t o c p a d b
o u ns u mi d md r e at f ej r o c r i i n e t o c u y nd e t
t
y
oblga i we e untue. Se D. 111 Ex.A a 1 6- 21: - 1 22: 6- 23: 25: 2,
i tons r
r
e E. ,
t 5: 7; 23 22: . 1 21; 4- 1 .
,
34: 6- ;37: - ;46:- 0,48: 5 49: 8;51:0- 4-5 : - ;53: 5-73: 3- 8;74: 9- : -1 : 8
1 22
15 7 1 . 1 - 1
1 1 , 2 1 3 2- , 1 1
1 75 3, 43 1 Asar ul ofM r Eli tsmir pr e ai a a no f ul ofisown,Fo
es t
. lot' s e es nt ton, nd t a t t
unda in r a he
to e c d
a s tl me wih t FDI R t r ol t m an cli i taly pe ng be or t s Cour o y
e te nt t he
C- o es ve he i a m nii l ndi
f e hi
t nl
be a e i wa vi rousy ortc c l la ef t wr ulacsofM r Eli t Ac or ngl
c us t s ca i l
e hni aly ibl or he ongf t
. lot. c di y,
Founda i has pr ve ea h oft t e e e en s r qui e t es a ih is c a m of c m on l w
ton
o n c
he hr e l m t e r d o t bls t l i
om
a
i
ndem nii i agai tM r.Eli t
fcaton
ns
lot.
CASE NO. l - 24444- LK
: 5 cvJ
To a od s mmay j d me t Mr Elit a g s t t h dd n t itnd t d fa d
v i u r u g n , . lot r ue ha e i o ne o eru
Founda i o AmTr tBa
ton r
us nk. Howe r t ta gumenti wihoutme i. M r Eli t' i e i
ve , ha r
s t
rt
. lo ts nt nt s
ir l antt whet rhe m a f s sa e
reev
o
he
de ale tt ment i hi l a ia i whih Founda i r id
s n s oan pplc ton
c
ton ele
u
pon,nor does Founda i ne d t e tbls i enta a elm e t is t r pa t c am f
ton e o sa ih nt
s n e nt o t hid- ry l i or
c
ommon lw i mnii ton. M r Eli tf t r iesva i a fr ai def ns s i l ng
a nde fcai
' lot urher a s
.
rous fim tve e e , ncudi
a
mong ot s wa v a l he , a l of whih a e una ii
her
i er nd ac s 1
c r
valng. Des t t f c t t t s
pie he a t ha he e
a gume s woul have be n m o e a opratl r ie by M r Eli t i a m oto t dimis
r
nt
d
e
r ppr i e y as d
. lot n
in o s s,
Founda i a t pr
ton ced ompty by s ng M r Eli ti e at y afe t FDI R b oughtt mai
l
ui
. lot mm di el tr he
C- r
he n
unde l ng cai a ns Founda i
ryi l m gai t
ton.M r Eli t a s r le on t i pplc bl dec son of U S.
. lo t lo e is he na i a e ii
v Fu hs,635F. 929( h Ci. 1 whih i ac i nalc ewheet dee nta l hi
. c
3d
7t r 201 ) c s rmi as
r he fnda ppeaed s
s ntnce He e,t r i i d a s i r ltons p be we Fou ton a M r Eli t b
e e . r he e s ndee
pecal ea i hi t en
ndai nd . lo t y
vit oft pa te 'wrten br r ag ee e t whih cla l e t bls d t tFounda i was
rue
he ri s it
oke r m n
c e ry sa ihe ha
ton
a i asM r Eli tsage t obt n fna ng fom t FDI R.
ctng
. lot'
nt o ai i nci r he
C-
Upon ca e ulc i r ton oft pladi a t r or t Cour fndst tt r i
r f onsde a i
he e ngs nd he ec d, he
t i ha he e s
no ge ne is ofm aera f ton la lt a da esi f vo ofFounda i o iscam f r
nui s ue
t il ac
ibiiy nd mag n a r
ton n t li o
c mon-a i
om
lw ndemnii a i agans M r Eli t a t tFounda i i e il d t s
fc ton
i t . lot, nd ha
ton s ntte o umm a y
r
j d me t a a matr o lw. Th r f r, te Co r oh r s ben f l a vie , i i
ug n s
te f a
ee o e h u t te wie ig ul d s d t s
y
O RD ERED ,AD JUD G ED ,a DE CR EE D t t
nd
ha :
Founda i s M o i f Sum ma y J m e Agai t Thid- ry De e n ,
ton'
ton or
r udg nt
ns
r pa t
f nda t
Dez Eli t( E.1I1 i hee GRANTED;
man lot D. L ) s rby
D a a s a e a a de a J
m ge r w r d nd udge e i he e e e e i f vor of Founda i i t
m nt s r by nt r d n a
ton n he
a u to $ 38 4.0 pus$81 48i p ej g n itr s a a rt o 55 % p r
mo n f 8 ,9 3 , l
3. n r-ud me t n ee t t ae f .3 e
4
CASE NO. 1 cv: 5- 24444- LK
J
amum snc t tm e Founda i s tl d t un l ng cli wih t FDI R on
l
i e he i
ton ete he deryi
a m t he
C-
De e e 6 2 7 p t u g n itr s, o t, n at re s fe ; n
c mb r , 01 , os- d me t ne e tc ss a d ton y ' e s a d
j
3. Foundai s l ha f ten daysfo t da eoft sOr rt fl isM oton f
ton ha l ve öure
r m he t
hi de o ie t
i or
Ator
t neys'Fee and Coss
s
t.
DONE AND ORDERED i Cha
n
mber a t J m e La r nce Ki Fe a J tc
s t he a s nre
ng der l usie
Bii ad nt Sas oros, ai li,h / dy fera ,08
ud gn U id teCut ueMi , od ti
ln
e t h
m F ra s aoFbur 21.
y
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ES LA W M N CE K I G
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TED STA TES DI
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e
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