Devdara, L.L.C. v. Wells Fargo Bank, N.A.

Filing 34

ORDER granting 32 MOTION for Summary Judgment and Brief in Support. (Signed by Judge Vanessa D Gilmore) Parties notified.(gclair, 4)

United States District Court
Southern District of Texas

ENTERED
I THE UNI
N
TED STATES DI
STRI COURT
CT
FOR TH E SOUTHERN DI
STRI O F TEU S
CT
H OUSTON DI SI
VI ON

June 09, 2017
David J. Bradley, Clerk

DEVDARA L. c. A TEXAS LI I
L. ,
M TED

LI LI COMP
ABI V
ANY,
Pl nt f
ai if,

CA SE NO.4: 6- 00140
1 CVW ELLS FARGO BANK,N. ,
A.
D ef
endant
.

ORDER
Pe ng bef e t Cour i De e nt s M oton f Sum m a y J
ndi
or he
t s f nda '
i or
r udgm ent a Br e i
nd i f n

Suppor.(nsr ntNo. .
t l tume
32)
1
.
A.

Pli if Devdaa, L. C. a Te Li td Libiiy Compa Cc antf ' s e
antf
r L. ,
xas mie a lt
ny, pli if) e ks

d caao y j g n ta te saut o l tt ns bas Dee d n W el Fa g , N.
e lrtr ud me t h t h tt e f i ai
mi o
r fn a t ls r o A.

(Dee d n' fo f rco ig o p o e t lc td a 21 4 En h n e Pak La e Kay Te a
t fn a t) r m o e l sn n r p ry o ae t 1 c a td r n , t , x s
'
'
7 4 0 (h ' o et ',b c u emo eta f u y ash spa s dsn et un eli g la wa
7 5 te ' p ry' e a s r h n o r e r a se ic he d ryn o n s
Pr
)
accel at
er ed. Pl ntf al r
ai if so eques s t t Courtvoi D ef
t hat he
d
endants deed of tus and seeks a
'
r t

d e mi ton r ga di g wh i e il t pa m e i t d d oftus i notvoi De en
etr nai e r n
o s ntted o y nt f he ee
r ts
d. f dant
as t t t t e i no evi
sers hat he her s
dence t t under yi l w as accel at
hat he
l ng oan
er ed. l addii
n
ton,

Dee d n p st t a u r j d me t e ie c ce ry e tbih s ta i u e u v c ly
fn a t o i h ts mmay u g n vd n e lal sa ls e h t t n q i o al
s
a ndon a pur t a e e a i by s ndi a s e
ba
ed ny
pored cc l r ton
e ng
ubs quentnotce of de a t r que tng
i
f ul e s i

pa e on l s t t f la ountof t l and t r f e t lm ia i t f e l e ha
ym nt es han he ul m
he oan
he e or he i t tons o or c os ve

n t x ie a Dee d n i e t ld t s mmayj g n .
o e prd nd fn a t s ni e o u r ud me t
t
B.

Pl i if i a Texa lm ie la lt c pa
a ntf s
s i t d i biiy om ny. Ba ed on publc y fl r c ds Na k
s
i l ied e or , ni

Bh g a(û a i' i P an if s l me e.(n tu n No 1a 3 .Bh g ai anau a p ro
a i û ga' s litf' o e mb r l sr me t . t ) a i s trl es n
Bh )
s
a Te scii n. 1 De enda i ana i lba ng a s i i o ga ze underf der ll w.
nd xa tze
d. f nt s tona nki s ocaton r ni d
e a a
Unde is ari l s of a s i ton,D e e ntsm a n of i e i l a e i Sout D a a. The ef e,
r t tc e
s oc a i
f nda ' i f c s oc t d n
h kot
r or
De e nti a cii n ofSout D a a f d ve s t pur es I a 4.
f nda s tze
h kot or i r iy pos . d t
Th Pr r y was orgi ly pur s d by hus nd a w ie,Le or i G r ve a W a
e ope t
i na l
cha e
ba nd f
m r s o r nd
n

Gr v r(h ' o r'.OnAp i 2 , 0 4,nc n e to wihtep rh s o t ePr p ry te
o e te ' ves'
Gr
)
rl 7 2 0 i o n cin t h u c a e f h o et ,h
Gr v r e e utd a p o so y n t (1 t ' i t e p icp l a u t o $ 54 50 ma e
o es x c e
r mis r oe 1 e' n h rn ia mo n f 8 ,9 .0 d
No )
p y bl t W o l Sa ig Ba k, B (W o l Sa ig '. (n tu ntNo. 2 1. On ta s me
a a e o rd vn s n FS ' rd vn s' l sr me
'
)
3 -)
ht a
d y teGr v r e c tdad e o tu t(h ' e o Tr s' t a g a td as c rt itrs i
a , h o es xe u e e d f r s te ' d f u t) h t rn e e u i ne e tn
De
'
y
te Prp ry t s c r rp y n o te Noe (h No e a d De d ofTr s,ae c le tv l
h o e t o e u e e a me t f h t te t n e
u t r olciey
rf re t h r i a te' o e Loa '.(n tu n No. 22 .Th Noei d a dpa a l o
ee rd o een s h ' v r n' l sr me t 3 -) e t s ue n y be n
Gr
)

Ma l , 0 4(h û au i Dae' l sr me t . 2 1a 2 .
y 5 2 3 t e t t rt t'.(n tu n No 3 - t )
M
y
)
On or a
bout D e m ber 31, 2007, W or d Sa ngs c nged is na e t W a hovi
ce
l
vi
ha
t
m o
c
a

Morga FSB (W a ho a',a o ora
t ge,
s c vi') nd n
boutNove r1 2009,W ac a c re t a
mbe ,
hovi onve td o

n t n lba k a d s bs q nl meg d i t W el Fag Ba k, A. (n tu n No 3 a 2
ai a n n u e ue ty r e no l r o n N. l sr me t . 2 t ;
o
s
I r ent No. 32-1
nstum

W achovi 1
a. d.

W e l Fa go i t s ce s - m e ge t W ord Sa ngs a
ls r s he uc s or by- r r o
l
vi
nd

O n J y 1 2011, Def nda s c r pond e t t G r r by c r ii m a l
ul 8,
e nt ent or es
enc o he ove s
e tfed i
notf ng t em ,a ong ot r t ngs t t t Gr ve Loa w a i de a t f f iur t m ake
iyi h
m
he hi , ha he o r
n s n f ul or a l e o
pa e sdue a t tt M a urt D a e oft Not w o d be a e e a e i t de a tw a not
ym nt
nd ha he t iy t
he
e ul
cc l r t d f he f ul s

t l c r d(h 'uy2 1Noieo De a l'. I snz n No. 2 1a 2 )
i y u e t e ' l 01 t f f ut) (n t me t 3 - t 9 .
me
J
c
l
On Oct
ober4,2011 vi a D e Unde iFourh' W rtofExec i Pl i if a qui e t
, a
ed
rç t ' i
uton, a ntf c r d he

P o e' a aCo sa l' S l c n u td b t eHarsCo ny Co sa l. (nsrme No. 2
r p ly t n tbe s ae o d ce y h ri u t n tb el l tu nt 2
t
a 4'l srme t No.3 - a 2 . Ho ve,p ru n t t e De d Un e i u t 'W rt o
t , n tu n
22 t )
we r u s a t o h e d r t rh' i f
Fo
Exe uton,Pl i ifonl r c ve t rght tte i er s ,a c a m t tt G r r ha i t
c i
a ntf
y e ei d he i , il , nt e t nd l i ha he ove s d n he

P o et (n tu n No.322 a 3 . Th rf r,Plitf a q ie te Pr p ry s b e tt
r p ry. l sr me t
- t ) ee o e an if c urd h o et u j c o
Dee d n ' l no t Prpet I ; x Ci Prc & Re Co e j3 .5( r o 1 8 )
fn a ts i n he o ry. d Te . v. a . m. d . 40 Ven n 9 6 .
e
On Oct r 24, 2011,t Gr r r eve fom De e nt a Notc of Subsiut
obe
he ove s ec i d r
f nda
ie
tt e

Tr te' Sae (k oi of Sae' i onni t
use s l l tce
N
1' nf ng hem t t t Pr ry was s heduld f a
)
ha he ope t
c
e or

De e e 6 2 01f r co u e sl. (n tu n No. 1 - ) Ho v r teDe e r6, 01
c mb r , 0 o e ls r ae lsrme t
9 1. we e , h c mbe 2 1
s h d ld f r co u e s l o te P o et wa n ve c n u td (n t me tNo.3 a 3
c e ue o e ls r ae f h r p ry s e r o s mmae . l snl n
2 t;
l srme tNo3 - a 3 .
n tu n
21 t )
On J nua y 22, 2 5,D e e nt s c r s
a r
01
f nda ent or e ponde e t t G r r by ce tf e m ai
nc o he ove s
ri i d
l
notf ng t m ,am ong ot t ngs t t t G r r Loan was i def ul f f iur t m a
i yi he
her hi , ha he ove
n
a t or a l e o ke
paym ent due and t t M at iy Dat w oul be accel at i t def tw as nottm el cur
s
hat he
urt
e
d
er ed f he aul
i y ed

(h 'a u r 2 5Noieo Dea l'.
te ' n ay 01 tc f fu t)
J
'
l is A m ended Com pl nt Pl ntf aleges t t l orgi l t
n t
ai , ai if l
hat he oan i naly aken out by t
he

Grv r wa a c lrtda lt a No e e 2 1a po sb ye rir (nsr me tNo 1 a 2 .
o es s c ee ae s ae s v mb r 01 nd sil ale .l tu n . 9 t )
lTh Honor e 61 tDi ti t Cour ofHari Count , Texa ,i Ca e No.2006- 27 isu a tFourh' W rtof
e
abl S s rc
t
rs
y
s n us
597 s ed ç t ' i

Ex c to (Wrto Ex c t n' i fv r o Tee c a d Caoy Mc in s t rc v rj d me ta an t
e uin t i f e ui ' n a o f rn e n r ln Gun es o e o e u g n g is
l
o )
Le ri Gr v ra dMac l Sa c e onac ranj d me te trd o Jn ay6, 01 .Th W rto Ex c in
mors o e n reo n h z
eti u g n nee n a u r 2 1 e i f eut
o
c mande t Consabl ofPr i t5 ofH arsCount Texa ,t s ie a s l t Pr ry. Pli ifpur s d
om
d he
t e
ecnc
ri
y,
s o ez nd el he opet
antf cha e

t Pr t f $1500.
he opery or ,

Pl i ifnot s t tt Notc o Sa e s hed e a Subs iu e Tr t e' Sa e oft Pr ry under
a ntf e ha he i e f l c ul d
tt t us e s l
he ope t

teDe do Tr s t b h l o De e e 6 2 11 (n tu n No 2 a 4 .Pli tf po ista
h e f u t o e ed n c mb r , 0 . l sr me t . 2 t ) anif st h t
t e Notc o Sa e i e de e t tt Gr
h
i e f l s vi nc ha he overLoa w a i d f ul,a t tt Gr
n s n e a t nd ha he overLoa ha
n d
be n a c e a e a of O c obe 24,2011 Pl i if not t t unde Te s l w ,a de d of tus
e c el r t d s
t r
. a ntf
es ha
r xa a
e
r t
m ustbe enf ced w ihi f year f om t dat of m at iy of t not or t deed of t sti
or
t n our
sr
he e
urt
he e
he
nl s

ba r d by t saut of lmiai and i voi TEX.CI PRAC.& REM. CODE j 1 035.
re
he t t e i t tons
s d.
V.
6.
Pl i ifr as t tbe us t Gr r Loa w a a e e a e as of Oc obe 24,2011,pur ua
a ntf e ons ha ca e he ove
n s cc l r t d
t r
s nt

t j16. of t Te s Ci l Pr ctce a Re e e Code,De enda ha untl Oc obe 2
o
035 he xa vi a i nd m di s
f nt d i t r 4,
2015 t enf ce t D eed ofTr t 1 Pl ntf cont
o or he
us . d. ai if
ends t si t D ef
hat nce he endantdi notenf ce
d
or

t Dee ofTr tby t tdat t Dee ofTr ti voi unde Texa l w .f
he
d
us
ha e he
d
us s d
r
sa
J.
I D e enda ' M oton f Sum m a y J
n f
nts
i or
r udgm e and Bre i Suppor ,Def nda a s t
nt
if n
t
e nt s ers

t tt saut oflmiai f
ha he tt e i ttons ound i 516. oft Te s Ci lPr c ie a Re e es Cod
n
035 he xa vi a tc nd m di
e

d e n tb rDee d n ' a ii t f rco e o t e P o et . (n tu n No.3 a 1 a d 8 .
o s o a f n a t blt o o e l s n h r p ry l sr me t
s
y
2 t n )
Fist D ef
r,
endant cont
ends t Pl ntf has no evi
hat ai if
dence t t Gr
hat he over Loan w as ever

a c l r t f Se ond, D e e nt pos t t t e n i i coul be ar d t t t J y 2011
c e e a ed. #. c
f nda
is ha ve f t
d
gue ha he ul
Notce of D e a tw a a a ce e a i under t G r ve Loa i une voc ly a ndone a
i
f ul s n c l r ton
he o r
n, t qui a l ba
d ny

p r o tda c lrto bys n ig teJ n ay 2 5Noieo De a t( l wihn tef u y a
u p re c eeain e dn h a u r 01 tc f ful wel t i h o r e r
saueo lmiain p ro )rq e tn p y n o ls t a tef l mo n o teGr v rLo n
ttt f i tto s eid e u sig a me t n e s h n h ula u t f h o e a .
1 Ther or t st ut oflm iatons t for os has notexpied and Def
d.
ef e, he at e i t i
o ecl e
r
endanti entted t
s il o

s mmayj d me tds s igti lws i wi p eu ie f .
u r u g n imisn h s a u t t rj dc . J
h
C.
On Januar 4,2016,Pl ntf fied is O rgi Petton,and A pplcaton f Tem por y
y
ai if l t i nal ii
i i or
ar

Resr ni Or i t 1 h Diti Cour ofHarsCount Texa (ûlri Count Cour')
tai ng der n he 29t srct
t
ri
y, s û-ars
l
y
t',

syl De a L. C.A Texa Li td Libiiy Compa v.W el Fa go Bank,N. . Ca e
t ed vdar , L.
s mie a lt
ny
ls r
A , us

No 2 6 0 0 8 (n tu ntNo 15 . On J n a y 4 2 6 Plitf' Ap iain f r
. 01 - 0 6 . l sr me
. -)
a u r , 01 , an ifs pl to o
c
Te o ay Re tann Or e wa g a td c pa t (he1
mp rr sri ig d r s rn e x re t ç '. (n tu n No 1 9 . Th
TRO' I sr me t . -) e
)

TRO e j i e Dee da tfo ()s lig t e Pr p ry a d (i dsu tn o i efrn wi
no n d fn n r m i eln h o et n i) ir pi g r ntre ig t
h
Pl i if s oc upa i o t pr ry. I a 2 a 3.D e e ntw asor r d t a
a ntf
c ton f he ope t d t nd
f nda
de e o ppea be or t
r f e he

HarsCount Cour on J nuay25,201 t s w c us whyatmporr ij i s dnot
ri
y
t a r
6,o ho a e
e ay nuncton houl
be gr nt pendi ti lon t m e is of t c s 1 D e e ntf l d is Ans e t Orgi l
a ed
ng r a
he rt
he a e. d. f nda ie t
w r he i na

Peiino J n ay 1 2 6.(n tu n No. -) Dee d n r mo e t ec s t f d rlc ut
t o n a u r 8, 01 I sr me t 19 . f n a t e v d h ae o e ea o r
t
o J n ay 1 ,2 6.(n tu n No.1. On Ap i 4 2 6 Dee d ntfld is Mo in t
n a u r 9 01 l sr me t
)
rl , 01 , fn a ie t to o
Dimis a d Bre i Su p r. (n tu n No.1 ) On Ap i 2 2 6 P an if fld is
s s n if n p o t I sr me t
1.
rl 5, 01 , litf i t
e

Op o e Re p n et Mo in t Dimisa d Bre i Su p r. I sr me No.1 ) Dee d n
p s d s o s o to o s s n if n p o t (n tu nt
2 . fn a t
fl d is Re y i Suppor of M oton t D i m i s a Br e i Suppor on M a 2, 201
ie t
pl n
t
i o s s nd i f n
t
y
6.

(n tu n No.1 ) On J l 1 ,2 6 te Co r ga td Dee a tsM oi n t Dimisa d
l srme t
4.
uy 1 01 , h u t r ne fnd n ' to o s s n
Bre i Suppor ;how e ,Pl ntf w a gr nt d l ave t a end is c pl ntw ihi 1 da of
if n
t
ver ai if s a e e
o m
t om ai
t n 0 ys

te Co r' Or e (n tu n No.1 ) On J y 21 2 6 Pli if fld i Ame d d
h u ts d r I sr me t
6.
ul , 01 , ant i t
f e s
ne
Co lit (n tu n N(.1 ) On J l 2 ,2 6 De e d n fld is Mot n t Dimis
mpan . Isr me t ) 9 .
uy 6 01 , fn a t i t
e
i o s s
o

Ame d d Co lita dBre i S p o t (nsrme No. 0 .OnAu u t1 ,2 6 Plitf
n e mp an n if n u p r. I tu nt 2 )
g s 5 01 , anif
fldisRe p n et Mo in t DimisAme d d Co lita d Bre i Su p r. (nsr me t
ie t s o s o to o s s
n e mp an n if n p o t l tu n
No.22) On Aug t25,201 t Cou tde e t Dee tsM oi t DimisAme
.
us
6, he r nid he fndan' ton o s s
nded

Co lita d Bre i S p o t (n tu n No. 3 .OnSe tmb r1 , 01 , fn n fld
mp an n if n u p r. lsr me t 2 )
pe e 6 2 6 Dee da t i
e
i An we t Ame d dCo lit (nsrme tNo. 4 .OnFe r a y21 2 7 Dee d n fld
t s r o n e mp an . l tu n
s
2)
b u r , 01 , f n a t i
e
i M oin f rS mmay J gme ta d Bre i Su p r. (nsrme tNo. 2 . Plitf d dn t
t t o u r ud n n if n p o t I tu n
s o
3 ) an if i o
tl a r s
i e e pons t D e enda ' M oton f Sum m a y J
eo f
nts
i or
r udgm e and Brefi Suppo t
nt
i n
r.

I
l.

Summay j
r udgme
nt

a o it tf t pla ngs de ii , ans r
pprprae s he e di , postons
i
wes

i erogat i s a a i s ons on fl ,t t rw ih t a f da t ,i a s
nt r ore , nd dm s i
ie oge he t he f i vis f ny, how t t r i n
hat he e s o

g n ieis ea t a ymae ilfc a dta temo n p ryi e t ldt j g n a amatr
e un su s o n tra a t n h t h vig at s ni e o ud me t s t
t
e

o lw. F d R.Ci P.5 () Ceoe Cop.v Car t,4 7 U. 31 ,3 2 ( 9 6 ;Waril v
fa ' e .
'
v. 6 c; ltx r . tet 7 S. 7 2 1 8 ) jed .
By o ,4 6 F.d 5 , 7 ( t Ci.2 06 .Th û v n b a steb d n o ie tf n t o e
r n 3 3 51 55 5h r 0 ) e s a t e r h ur e f d niyig h s
mo
pori of t r or i bele s de ons r t t abs nc of a ge ne i s of m a e i lf c .
tons he ec d t i ve m t a e he e e
nui s ue
t r a a t'
'

T i e Te Gof I c v Nie I c,4 5 F.d 2 3,2 1 ( t Ci.2 0 )( i n Ceoe Cop.v
rpl e l n . . k , n . 8 3 5 6 5h r 0 7 ct g l tx r .
i
Catet,477U. 31 322- 1 6).t fcti û t il i isr ol i i fvorofonepat
rt
S. 7, 25498 ) 1 a s maera' f t es uton n a
A
ry

mih a fc t eo to o te lws tu d rg e zn lm 'S sa n v Lo eSt S aeo
g t fe t h u c me f h a ui n e ov n ig a ' o s mo . n ar t t f
Te ,560F. 31 326 (t Ci.2009) An is i tge ne'i t e denc i s tcen f a
x.
3d 6,
5h r
. sue s û nui ' f he vi e s ufi i t or

rao a l j r t rt r av r it or h n n vigp ry Se d ro v Lie t Lo b , n .
e s n b e u y o eu n e dc f t e o mo n at . eAn e s n . b r. b y I c,
v

47 U. 2 2 2 8( 9 6 .
7 S. 4 , 4 1 8 )
l t bur ofproof at ti les w ih t nonm ovi par y,t m ovantm ay sats y is
f he den
r al i
t he
ng t he
if t

i ta bur n by ç how i
nii l de
i
s
ng

t ti , ntng outt t di t i tc t
ha s poi i
o he s rc our

t tt r i a a e e
ha he e s n bs nc

ofevi nc t s
de e o uppor t nonm ovi pa t s c e. Ce ot x,477 U . a 325.W hie t pa t
t he
ng r y' as ' l e
'
S. t
l he r y

mo n f rs mma yj d me t td mo sr t tea s n eo ag n ieis o mae ilfc,
vig o u r u g n mus e n tae h b e c f e un sue f tra a t
id e n t e dt n g t teee n so t en n v n ' c s . u r a xv S j Tr np. .
t o s o n e o e ae h lme t f h o mo a ts a e Bo d e u . wt a s Co,
t
40 F.d 536,5 ( t Ci.2005)( tton omit .ûft movi pa t f ist me tgtl
2 3
40 5h r
ciai
ted) t he
l
ng ry al o e is
i tal bur
nii
den, t m oto
he , i n

(o s mmay j g n ) mu t be d ne rg r ls o te
f r u r ud me t s
e id, e ad e s f h

n n v n ' rs o e' Untd Sttsv $ 22 30 i U. Cu rnc 53 F.d 5 4 5 7 ( t
o mo a ts ep ns . i ae . 9 , 0 .0 n S. re y, 7 3 0 , 0 5 h
' e

Ci. 0 8 ( u tn Li l p LiudAi Cop.3 F.d 1 6 1 7 (t Ci.1 9 )(nb n l.
r2 0 ) q o ig t e . q i r r , 7 3 0 9, 0 5 5 h r 9 4 e a c)
t

Afe t emo n p ry h sme isb r e ,i o d rt û v d as mmayj d me t te
tr h vig at a t t u d n n r e o ç oi u r u g n, h
a
nonm ovi pa t m us a
ng r y
t dduc a i s bl evi e w hi h c e t s a f ct i s c
e dm s i e denc
c rae
a s ue once ni t e
r ng h
e s e e ofe y e s i lcom pone oft tpa t s c s ' Thom as v Pr c 97 F. 231 235
xi t nc
ver s enta
nt ha r y' a e.
'
. i e, 5 2d
,

( h Ci.1 9 ) Th pat o p sn s mmayj d me tc n o meey rl o t e c ne t n
5t r 9 2 . e ry p o ig u r u g n a n t rl ey n h o tni s
o
c a ne i t pl di . Lite, 37 F. a 1
ont i d n he ea ngs tl
3d t 075. R a he , t t ry oppos ng s m a y
t r he û t
pa
i um r

j d me ti rq ie t ie tf s cfc e ie c i te rc r a d t atc lt te p e ie
u g n s e u rd o d n iy pe ii vd n e n h e o d n o riu ae h rcs
ma ri whih t te de es pporshi orhe cai 'Ragasv.Te s e GasPl i Co.
nne n c ha vi nc u t s
r l m,'
nne s e
pelne ,

1 6 F.d 4 7 4 8 ( t Ci.1 9 ) Bar n ws iv Ha t 4 6 F. 1 2 1 9 ( t Ci.2 0 )
3 3 5 , 5 5 h r 9 8 ; a o k . r, 8 3d 1 , 1 5h r 0 7 .
Alhough t cour dr s a1 r
t
he
t aw 1 easonabl i ences i t lghtm os f abl t t nonm ovi
e nfer
n he i
t avor e o he
ng

pat Co sv Gr e 538F. 373,376( h Ci.2008 ,t nonmova ' t de wilnot
ry, nnor . av s,
3d
5t r
) he
nts t n l
bur
be satsfed by s e m et
ii
om
aphysi doubt as t t m at i f s,by concl y alegatons,by
cal
o he
eral act
usor l i

u ubsa i td as e tons or b onl a s i il of evi nce' Boudr au 402 F. a 54
ns t ntae s ri ,
y y
cntla
de .'
e x,
3d t 0

(l t g Lite 37 F.d a 1 75 .Smi ry l ns p o td alg to so a td vi o d p sto
qt i t ,
on
l
3 t 0 ) i l l, û u p re le ain r f a t r e o i n
a u
i
i
t i ony s tng f h uli at or concl ory f s and concl ons of l ar i uf i ent t
estm
eti ort tm e
us
act
usi
aw e ns fci o

d fa amoi nf rs mmayj d me t' a kv Am 'Fa o i Chik n 1 0F.d2 5, 9 (t
ee t to o u r u g n . Clr . s v rt c e , 1 3 9 2 7 5 h
'
e
Ci. 9 7 .
r1 9 )
I d cd n a s mmay j d me tmo in te dsrc c u td e n tma e ce i l y
n e iig u r u g n to , h itit o r o s o k rdbit
i

d tr n to so weg e d n e Ch v o Phli , 7 F.d6 6, 1 n3( t Ci. 0 9 .Nor
eemi ai n r ih vie c . e r n il 5 0 3 0 6 2 . 5 h r 2 0 )
ps
d t c tû itt oug t r or i s r h of e de e t s ppo ta pa t s opposton t
oes he our û f hr h he ec d n ea c
s
vi nc o u r
r y'
ii o

s mmayj d me /t'J k o v Ca - se n Pa k gig Cop. 6 F.d 3 4, 798 (t Ci.
u r u g n. ac s n . lWe tr c a n r , 02 3 7 3 -0 5h r
'

2 0 ; lc r w Ga b r 3 F.d 3 3 4 5 ( t Ci. 0 3 ; ga ,1 6 F. a 4 8; sh
01 ) Maa a a . r e , 53 3 9 , 0 5h r 2 0 ) Ra s 3 3d t 5 Nis oI Ame ianCor v Klne 8 F. 1 1 (t Ci.988)(ti no ne esa ytha t
wai rc
p. . i , 45 2d 300, 307 5h r1
i s t c sr û t he
t
entr r cor i t c s .. s r hed and f
ie e d n he a e . be ea c
ound be e tofa genui i s ofm a e i lf tbe or
rf
ne s ue
t ra ac f e

s mma y j dg n ma b p o ry e trd'.Theeo e ( wl e e ie c e it i te
u r u me t y e rpel ne e '
) rf r , t h n vd n e x ss n h
g
s mma y j d me trc r b tt e n n v n fise e t rf rt i i t e r s ns t te
u r u g n e o d u h o mo a t al v n o ee o t n h e po e o h
moinf rs mmayj d me t ta e d n ei n tp o ryb fr tedsrc c u t' a a a,
t o u r u g n,h t vie c s o rpel e o e h itit o r. Malc r
o
'
353 F. at405.
3d
11
1.

A.
ûW he a m or ga or de d of t us con ai ng a pow e of s e c e t a le on r a
t n
t ge
e
r t t ni
r
al r a es i n
el
pr t Texas 1 r r t t l
opery,
aw equies hat he ender f ecl no l er t f year af er t day t
or ose
at han our
s t he
he

c u eo a to a cu s' Wh ee v U.. n Nat As ' ,2 6W L 5 4 4 ,a * ( D. x.
a s f cin c r e a e lr . S Ba k ' sn, 01
'
l
5 8 6 t 4 S. Te

F b 1 2 6 ( i n Te .Ci.Prc & Re Co e j 1 . 5; l Cr s Ch r h o Go i
e . 0, 01 ) ct g x v a .
i
m. d
603 Hoy o s u c f d n

Ch it .Woh 4 S. .d5 2, 6 ( x 2 01 ç c tef u -e rlmiainsp ro e pr s
rs v l 4 W 3 6 5 7 Te . 0 $. l e h o ry a i tt e id x ie ,
on
o
t r a - opery le a t powerofs e t e or e t le bec e voi ' W he l r 2016 W L
he e lpr t i n nd he
al o nf c he i n om
d.
'
ee ,

5 4 4 ,a * (iigHol Cr s Ch r h o Go i Ch it 4 S. .d a 5 7 (iig Te Ci
5 8 6 t 4 ctn
y o s u c f d n rs, 4 W 3 t 6 ct
n x. v.
Prc & Re Co ej1 0 5 d )
a . m. d 6.3 ( ).
Her , Pl i if a gu t t O c ober 2 2011 N otc of Subs iut Tnl t e' Sa e
e a ntf r es hat he t
4,
ie
tt e
se s l

(s i ofSal')s ntt t Gr r i or ng t m t tte Pr t wa s duld f a
i ce
Not
e' e o he oves nf mi he ha h opery s che e or
D ecem ber 6,2011 f ecl e s e i evi
or osur al s dence t t Gr
hat he overLoan w as accel at on O ct
er ed
ober
#

2 ,2 1 (n tu n No.1 ) P an ifra o sta i te Gr v rLo n wa a c lrtd a o
4 01 . Isrme t
9 . litf e s n h t f h o e a s c ee ae s f
Oct
ober 24, 2011, t under Texas l , Def
hen
aw
endant had untl Oct
i
ober 24, 2015, i or t
n der o
enfor t Deed of Tr or t D eed of Tr w oul becom e voi TEx.Cl PRAC.& REM .
ce he
ust he
ust
d
d.
v.

CODEj 1 . 5( ) Ho v r n wh r i teNoieo Saed e i if r teGr v r t a te
603 d . we e, o ee n h tc f l o s t n o m h o es h t h

Grv rLo n h d b e a c lrtd. (n tu n No 1 - a 2 . Efe t a c lrto rq ie
o e a a e n c ee ae l sr me t .9 1 t ) f ci c eeain e ur s
ve
()ce rn tc ofi tn t a c lr t a d (i n tc o a c lrto a b t mu tb ce ra d
i la o ie ne t o c eeae n i) o ie f c eeain nd o h s e la n

u e uv c l Hoy Cr s Chu c o Go i Ch itv Woh 4 S. .d. 2 5 6 ( x 2 01.
n q io a. l o s rh f d n rs . l 4 W 3 56 , 6 Te . 0 )
Her ,Pl i i fof er no e de e t Def nda i ende t a e er t t Gr r Loa by t
e a ntf f s
vi nc hat e nt nt d o cc l a e he ove
n
he
Notc Of Sa e. I a ton,t s edul d Dec be 6,2011 f ec os e s l of t Pr t
ie
l n ddii he ch e
em r
or l ur a e
he opery

wa n v r o s mmae .(n tu nt 3 a 3 .
s e e c n u td I sr me No. 2 t )
I isA m ende Com pl i ,Pl i iff t s c a es t tpr ort t Notc of Sal ,t
n t
d
a nt a ntf urher pe ul t ha i o he i e
e he

De do Tr s wa a c lr tdi i 1a d p si l e rir' (n tu nt .1 a 2 .OnJ l
e f u t s c eeae n Q0l n o sbe ale' l sr me No 9 t )
.
uy
1 2011 D e e nts ntt Ju y 2011 Notc of D e a tt t G r r notf i t m ,a o
8,
, f nda e he l
ie
f ul o he ove s i y ng he m ng
ot t ngs,t t Gr
her hi
hat he over Loan w as i defaul f f l e t m ake paym ent due and t t
n
t or aiur o
s
hat he

Mau i Daeo teNo ewo l b a c lr td i ted futwa n tt l c r d (n tu n
trt t f h t ud e c eeae f h e a l s o i y u e . I sr me t
y
me
No 3 - a 2 ) Ba e o t eJ l 2 1 No ie o De a l,te e ris t a te Gr v rL n
. 2 1 t 9 . sd n h uy 01 tc f f ut h ale t h t h o e oa
coud ha be n a ceert woul ha be n Aug t2011(he d
l ve e c l aed
d ve e
us
t i
Augus 2011Ac elr i '.
t
c eaton')

S ei (ttn ta t eGr v r h duni Au s 1 ,2 1 t c r ted ful o es t eGr v r
e d saig h t h o e s a t gu t 7 0 1 o u e h ea t r le h o e
l
L a wo l b a c lrtd . Asu n a gu n o t tte Grv r Loa wa a c lrtd,
o n u d e c eeae )
s mig r e d ha h o e
n s c ee ae
Def
endant abandoned t A ugus 2011 A ccel aton by is subs
he
t
er i
t
equent acton of s ng t
i
endi he

Gr r t J ua y 2 5 N otc ofD e a tr que tng pa e on l s t n t f la o of
ove s he an r 01
ie
f ul e s i
ym nt e s ha he ul m unt
t e Gr r Loa and a s ng t m t t M a ur t D a e o t N ot w oul be a c e a e i
h
ove
n
dvi i he hat he t iy t f he
e
d
c el r t d f

ted fut sn tc rd.(n tu n No. - a 3 )
h ea lwa o u e l sr me t 32 1 t 2 .
The Fit Cicui a di ti t cours w ih i t Fit Cic t i l ng t Sout r
f h r t nd s r c
t t n he f h r ui , nc udi he
he n
Di ti t o Te ,ha hel t a l er m ay a ndon a ce e a i by s ng ne s a e e s
s rc f xas ve d hat end
ba
c l r ton
endi
w t t m nt
or notc of de a t s ki l s t n f lpa e of t ac e e a e de .Se ,e. ,M ar i v
i es
f ul ee ng es ha ul ym nt he c l r t d bt e g.
tn .

FC .Nat Mo ta eAs ',No 1 - 1 4 2 6 W L 7 3 6 ,a * ( t Ci.F b.2 ,2 6
J . rg g sn . 5 41 0 , 01
2 2 3 t 2 5 h r e 2 01 )
( di t lt rquetf pa ntof l s t t f loblgai f l ng a i ta
hol ng hat ehe e s or yme
es han he ul i ton olowi n niil

a c lrt n o t ee tr o lg t n a u td t wav ro a a d n n o te a c lr t n.l
c ee ai f h n ie bi ai mo ne o ie r b n o me t f h c ee ai ' ;
o
o
o '

M e c u v Ba ko Ne Y r M eln Frf/Co N. , . 1 - 2 2 - 2 5 W L 7 5 8 ,
ah m . n f w ok l
o l . A.No 3:3 CV- 3 2 N, 01
y
692

a * - ( D. x. e 2 , 01 )afd, 1 1 3 , 01 W L 1 3 4( t Ci. a .1 , 01 )
t 12 N. Te F b. 0 2 5 f No. 5-02 7 2 6
21 8 5 h r J n 1 2 6
(e ra oned a ceerto bys ndi s e
Inde band
c l ain e ng ubs quentnotceofdea tand i entt ac eert
i
ful
nt o c l ae

rq e t g a a un ls t a t ef l a u to n t a d e;Le na d,61 F.Ap x a 6 0
e u si n mo t e s h n h ul mo n f oe s u ) o r 6
n
p' t 8
(e rwavesora ndonsan e rira eeai ' rquesi pa
lnde i
ba
ale cc lrton by e tng ymenton ls t n t f l
e s ha he ul

a u to tel n'; r n p U.. tBa kAs ',8 7 F.d 9 ,1 6 ( h Ci. 01 )(e o d
mo n f h oa .) Bo e . S Na. n sn 0 3 9 0 5t r 2 5 s c n
'
n tc o d futû e uv c l ma ie td a itn t a a d ntep e iu a c lrto ..)
o ie f e a l i q io al n fse n n e t o b n o h r vo s c eeain..'.
un
y
'
O nce accel aton i abandoned,t not der no l
er i s
he ehol
onger m ustf ecl e wihi f year f om
or os t n our
sr

t da e ofa c er ton, he s a ut oflm ia i t f e os r e s a t l n i r t e t is
he t
c el a i t t t e i t tons o or cl e es t , nd he oa s es or d o t
orgi lm at iy da e.W he l rv.U. BankN atl s' ,2016 W L 554846,at*
i na
urt t
ee
S.
'As n,
5.
As a m a t rofl w , e e
te
a D f ndant s e
' ubs quenta i of s ndi t J ua y 201 N otce of
s
cton
e ng he an r
5
i
D e a tr ques i pa e on l s t n t f la ountof t G r r Loa es a i he t tt
f ul e
tng ym nt es ha he ul m
he ove
n t bls s ha he
pur t d A ugus 2
pore
t 011 A c el a i w a a ndone w e l w ihi t f
c er ton
s ba
d
l t n he our ye s a ut of
ar t t e
lm ia i .Be aus t pur t d A ugus 2011 A cc l r ton w as une voca l a ndoned,t
i t tons c e he pore
t
eeai
qui ly ba
he

saueo l tt nst f rco ed dn tlp e a dDee d n i e tte t s mmayj d e t
tt t f i ai o o e l s i o a s , n f n a t s n i d o u r u pn n
mi o
l
ds s Panifsd ca ao yj g n cam .
imis litf e lrtr ud me t li
Si Pl ntf can of er no evi
nce ai if
f
dence t t G r
hat he over Loan w as accel at i 2011 or
er ed n

ea le , De e nt s ilhol a va i le on t Pr pe t a t r f e i e il d t s m ar
ri r f nda tl
ds
ld i n
he o ry nd he e or s ntte o um
y
'

J
udgm ent
.

Ac r ngl D e e n ' M o i f Sum m a y J
co di y, f nda t s
ton or
r udgm e a Bref i Suppor i
nt nd i n
t s

GRANTED .
lV.

10

Ba e on t e f e ng ana ys s Def nda ' M oton f Sum m a y J gm e a Bre
sd
h or goi
l i , e nt s
i or
r ud nt nd i f

i Suppor i GRANTED (nsr ntNo.32)
n
ts
l tume
.
The Cl r s l e e t s Or r a pr de a c t a 1pari .
e k ha l nt r hi de nd ovi
opy o 1 tes
SI N ED on t s t
G
hi he

day ofJ
une,2
017.

VANESSA D.GI ORE
LM

UNI
TED STATES DI
STRI JUDGE
CT