Andrea Benson v. Chad Huggins

CourtCourt of Chancery of Delaware
DecidedJanuary 21, 2026
DocketC.A. No. 2024-1022-BWD
StatusPublished

This text of Andrea Benson v. Chad Huggins (Andrea Benson v. Chad Huggins) is published on Counsel Stack Legal Research, covering Court of Chancery of Delaware primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Andrea Benson v. Chad Huggins, (Del. Ct. App. 2026).

Opinion

IN THE COURT OF CHANCERY OF THE STATE OF DELAWARE

ANDREA BENSON, ) ) Plaintiff, ) ) v. ) C.A. No. 2024-1022-BWD ) CHAD HUGGINS, ) ) Defendant. )

POST-TRIAL MEMORANDUM OPINION

Date Submitted: December 5, 2025 Date Decided: January 21, 2026

William M. Lafferty, Ryan D. Stottmann, C. Isaac Hopkin, MORRIS, NICHOLS, ARSHT & TUNNELL LLP, Wilmington, DE; Lesley F. Wolf and Avery Jue Meng, BALLARD SPAHR LLP, Wilmington, DE; Attorneys for Plaintiff Andrea Benson.

Gary E. Junge, SCHMITTINGER & RODRIGUEZ, P.A., Dover, DE; Attorneys for Defendant Chad Huggins.

DAVID, V.C. In 2014, while the plaintiff and the defendant in this action were dating, the

defendant purchased a home in Frederica, Delaware, using a VA loan. The plaintiff

contends that she wanted to purchase the home for herself but could not qualify for

a mortgage. So, according to the plaintiff, the parties orally agreed that the defendant

would purchase the home in his name, but the plaintiff would be the equitable owner,

assuming responsibility for all expenses associated with the home, and the defendant

would transfer title to the home to the plaintiff as soon as she could obtain a mortgage

in her own name.

When the parties broke up in early 2017, the plaintiff remained in the home

and continued to make payments to the defendant to cover the monthly mortgage.

To help the parties move on, the defendant agreed to transfer the home to the plaintiff

if she could qualify for a mortgage within two years. The plaintiff failed to secure a

mortgage within two years and rebuffed the defendant’s repeated efforts to convince

her to buy the home, until the defendant took action to evict her, at which point she

filed this action, eleven years after the alleged oral agreement and eight years after

the parties’ breakup.

The plaintiff now seeks an order compelling the defendant to specifically

perform his obligations under their alleged oral agreement by selling the home to her

for the remaining balance of the mortgage. After a trial, I conclude that the plaintiff

has failed to prove the existence of an oral agreement by clear and convincing

1 evidence, and that her related claims for relief likewise fail. Judgment is entered for

the defendant.

I. BACKGROUND The following facts are as the Court finds them following a one-day trial held

on September 24, 2025.1

A. Defendant Purchases The Home With A VA Loan.

Andrea Benson (“Plaintiff”) and Chad Huggins (“Defendant”) began dating

in 2013.2 At that time, Plaintiff, who lived in a two-bedroom apartment with her

niece and nephew in Milford, Delaware,3 hoped to find a larger home for her family.4

By late 2013, Plaintiff and Defendant discussed moving in together.5

In early 2014, Plaintiff found a listing on Zillow for a house located at 16 E.

David Street in Frederica, Delaware (the “Home”).6 Plaintiff and Defendant toured

the Home and decided to buy it.7 Believing Plaintiff would not qualify for a

mortgage, Defendant purchased the Home for $132,000 using a VA loan with a

1 The Stipulation and Pre-Trial Order is cited as “PTO ¶ __”. Dkt. 42. Trial testimony is cited as “Tr. (Witness) at __”. Dkt. 46. Joint trial exhibits are cited as “JX __”. Dkt. 45. 2 PTO ¶ 11; Tr. (Benson) at 8:8–13. 3 Tr. (Benson) at 18:16–20. 4 Id. at 8:21–24. 5 Id. at 35:21–23. 6 Id. at 8:21–9:3; JX 9 at 2. 7 Tr. (Benson) at 9:7–24. 2 thirty-year term (the “VA Mortgage”).8 The VA Mortgage provided 100% financing

for the Home without a down payment.9

According to Plaintiff, the parties agreed at that time that Defendant would

purchase the Home in his name but Plaintiff would be the equitable owner of the

Home, assuming responsibility for all expenses associated with the Home, and

Defendant would transfer title to the Home to Plaintiff as soon as she could obtain a

mortgage.10 Defendant disputes that the parties agreed to such an arrangement.11 He

contends, instead, that he purchased the Home to live in with Plaintiff, whom he

intended to marry.12

In June 2014, Plaintiff, with her mother, niece, and nephew, moved into the

Home.13 Defendant moved into the Home after his return from military deployment

8 PTO ¶ 12; Tr. (Benson) at 10:5–20, 12:4–8, 45:17–18. 9 Tr. (Huggins) at 81:22–82:2. 10 Id. (Benson) at 10:15–20. Plaintiff paid $3,775 in closing costs at closing. See id. at 12:9–15; JX 2 at 1 (showing Plaintiff paid $3,275 to Defendant and $500 to ERA Harrington Realty Inc. in 2014); Pl.’s Post-Trial Submission [hereinafter PB] at 5, Dkt. 52. Defendant claims that he paid half of the closing costs as well. Tr. (Huggins) at 85:16– 86:6; Def. Chad Huggins’ Post-Trial Br. [hereinafter DB] at 19, Dkt. 51. 11 Tr. (Huggins) at 83:3–19. 12 Id. at 84:3–23 (“I was just trying to purchase a property for the family, because I knew her niece, her nephew, and her mother were coming along with that. So, as a man, I was just trying to provide a place to live.”). But see id. (Benson) at 58:7–59:10 (“I even at one point kind of expressed, like, how impossible it would be to get me to marry [him], you know. Like, you’d have to swim the Atlantic Ocean and go chisel a rock out of a cave in Egypt or Africa somewhere to get me a lavish pink diamond for me to say yes, so . . . .”). 13 Id. at 13:1–7, 56:7–10. 3 later that year.14 Plaintiff and Defendant lived in the Home together from 2014 to

2017.15 They became engaged in 2015.16 When Defendant refinanced the Home

that year, Plaintiff was not a party to the refinancing.17

While Defendant resided in the Home, Plaintiff made payments to Defendant

to cover half of the $800 monthly VA Mortgage payment and half of the utility

bills.18 During periods when Defendant was deployed and not living in the Home,

Plaintiff made payments to Defendant to cover the full amount of the VA Mortgage

payment.19

B. The Parties Break Up And Plaintiff Remains In The Home.

The parties’ engagement ended and Defendant moved out of the Home by

February 2017.20 Plaintiff and her family members remained in the Home.21

Plaintiff claims she stayed in the Home “because it was the understanding that it was

[her] house.”22 Since 2017, Plaintiff has made payments to Defendant to cover the

14 Id. at 13:8–12. 15 PTO ¶ 15. 16 Tr. (Benson) at 56:15–21; id. (Huggins) at 86:7–9. 17 PTO ¶ 13. 18 Id. ¶¶ 16–17; Tr. (Benson) at 13:13–14:9. 19 Id. at 14:3–9. 20 Id. at 15:5–10, 59:19–60:22; PTO ¶ 14. 21 Tr. (Benson) at 15:8–13. 22 Id. at 15:14–19. 4 VA Mortgage each month and has paid all utility bills.23 She also has replaced

appliances and made minor repairs in the Home.24

In February 2017, Plaintiff and Defendant met with a mutual friend and

mortgage lender, Ed Rexroth, to come up with a plan for Plaintiff to purchase the

Home so that the parties could move on.25 Defendant and Rexroth testified that

during this meeting, Defendant agreed to sell the Home to Plaintiff for the remaining

balance on the VA Mortgage if Plaintiff could purchase the Home from him within

two years—i.e., by February 2019.26

Plaintiff did not purchase the Home by February 2019. In 2018 and 2019,

Plaintiff met with Rexroth to discuss qualifying for a mortgage but was told both

times that her reported earnings from bartending and waitressing did not qualify her

for a loan.27

23 Id. at 16:6–21. 24 Id. at 17:9–19, 18:5–15, 77:13–20. 25 Id. (Huggins) at 88:5–14. 26 Id. at 88:5–16; see id. (Rexroth) at 140:19–21 (“Mr.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Wolf v. Crosby
377 A.2d 22 (Court of Chancery of Delaware, 1977)
Emerald Partners v. Berlin
726 A.2d 1215 (Supreme Court of Delaware, 1999)
Hudak v. Procek
806 A.2d 140 (Supreme Court of Delaware, 2002)
Estate of Osborn Ex Rel. Osborn v. Kemp
991 A.2d 1153 (Supreme Court of Delaware, 2010)
United Rentals, Inc. v. RAM Holdings, Inc.
937 A.2d 810 (Court of Chancery of Delaware, 2007)
Schock v. Nash
732 A.2d 217 (Supreme Court of Delaware, 1999)
Eagle Force Holdings, LLC v. Campbell
187 A.3d 1209 (Supreme Court of Delaware, 2018)
Salisbury v. Credit Service, Inc.
199 A. 674 (Superior Court of Delaware, 1937)

Cite This Page — Counsel Stack

Bluebook (online)
Andrea Benson v. Chad Huggins, Counsel Stack Legal Research, https://law.counselstack.com/opinion/andrea-benson-v-chad-huggins-delch-2026.