Auto Loan, Inc. v. Sisler

2025 Ohio 606
CourtOhio Court of Appeals
DecidedFebruary 24, 2025
Docket2024-P-0043
StatusPublished

This text of 2025 Ohio 606 (Auto Loan, Inc. v. Sisler) is published on Counsel Stack Legal Research, covering Ohio Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Auto Loan, Inc. v. Sisler, 2025 Ohio 606 (Ohio Ct. App. 2025).

Opinion

[Cite as Auto Loan, Inc. v. Sisler, 2025-Ohio-606.]

IN THE COURT OF APPEALS OF OHIO ELEVENTH APPELLATE DISTRICT PORTAGE COUNTY

AUTO LOAN, INC., CASE NO. 2024-P-0043

Plaintiff-Appellee, Civil Appeal from the - vs - Municipal Court, Kent Division

SARAH R. SISLER, Trial Court No. 2020 CVF 01082 K Defendant-Appellant.

OPINION

Decided: February 24, 2025 Judgment: Affirmed

Tracee D. Hilton-Rorar, 3732 Fishcreek Road, Suite 205, Stow, OH 44224; Sidney N. Freeman, Arnold Gruber, LTD, 12370 Cleveland Avenue, N.W., P.O. Box 867, Uniontown, OH 44685 (For Plaintiff-Appellee).

Ronald I. Frederick and Michael L. Berler, Frederick & Berler LLC, 767 East 185th Street, Cleveland, OH 44119; Jason M. Rebraca, Johnson & Johnson Law Firm, 12 West Main Street, Canfield, OH 44406 (For Defendant-Appellant).

MATT LYNCH, J.

{¶1} Defendant-appellant, Sarah R. Sisler, appeals the decision of the Portage

County Municipal Court, Kent Division, dismissing the case. For the following reasons,

we affirm the decision of the court below.

{¶2} On September 24, 2020, Tina Molyneaux filed a Small Claim Complaint on

behalf of plaintiff-appellee, Auto Loan, Inc. against Sisler. The claim was for “the sum of

$4,256.63 plus interest at the rate of 18.75% from May 6, 2006, plus court costs as a

result of a breach of [a] Retail Installment Contract and Security Agreement.” {¶3} On November 12, 2020, Sisler filed an Answer with Affirmative Defenses

and Counterclaim and a Motion to Transfer to the General Division of the Municipal Court

on the grounds that “the amount of her Counterclaim exceeds, in the aggregate, the

jurisdictional limits of the Small Claims Division.”

{¶4} On November 16, 2020, the Motion to Transfer was granted.

{¶5} On February 5, 2021, Sisler filed a First Amended Class Action

Counterclaim. Sisler alleged that Auto Loan engaged in the following wrongful acts and

sought relief under R.C. 2721.02 and .03:

59. … Auto Loan filed its case against Ms. Sisler in the Small Claims Division of this Court despite (a) being an assignee of rights in violation of R.C. § 1925.02(A)(2)(ii) and (b) seeking an amount in excess of the $6,000 monetary jurisdiction of the Small Claims Division (R.C. § 1925.02(A)(1)).

60. Likewise, Auto Loan regularly files cases against its customers in the Small Claims Division of this Court despite (a) being an assignee of rights in violation of R.C. § 1925.02(A)(2)(ii) and/or (b) seeking an amount in excess of the then-applicable monetary jurisdiction of the Small Claims Division (R.C. § 1925.02(A)(1)).

61. Auto Loan was on both constructive and actual notice that this conduct is violative of the law.

62. As a result, the Small Claims Division did not have jurisdiction to hear Auto Loan’s claims in these cases at the time of filing.

63. Judgments rendered in these cases are void ab initio.

64. Moreover, despite being a corporate entity, Auto Loan filed its complaint without retaining legal counsel, which is permitted when filing [a] proper small claims action, but improper for an action that needs to be filed in the general Civil Division.

69. Therefore, Ms. Sisler applies to this Court for further relief to be determined at trial, including as follows:

Case No. 2024-P-0043 • An order declaring that all cases that Auto Loan has filed in the Small Claims division as an assignee are void.

• Injunctive relief enjoining and barring Auto Loan from collecting upon any of the subject judgments resulting from these improper filings.

• An order of restitution of funds unlawful[ly] detained in the custody and control of Auto Loan in connection with these void judgments.

• An order awarding costs and attorney’s fees.

{¶6} On July 2, 2021, a magistrate determined that the municipal court did not

have the authority to grant the declaratory relief sought by Sisler and that dismissal of the

class action counterclaim was appropriate:

The Counterclaim seeks only injunctive relief through declaratory judgment on behalf of the putative class: No other prayer for relief is made.

In seeking declaratory relief the Counterclaimant’s pleading must demonstrate the following: (1) The action is within the scope of the Declaratory Judgment Act; (2) A justiciable controversary exists between adverse parties; and, (3) Speedy relief is necessary to preserve rights which could otherwise be impaired. Each of the prior requirements is necessary to maintain an action for declaratory relief. Sisler’s Counterclaim for declaratory relief fails to meet the foregoing requirements.

The Class Action Counterclaim is outside the scope of the Declaratory Judgment Act, and no need for speedy relief has been sufficiently demonstrated in the pleadings.

A municipal court has authority to enter declaratory judgments based on ORC §2721.02(A) which provides “… courts of record may declare rights, status, and other legal relations whether or not further relief is or could be claimed.” As the municipal court is a court of record, it has jurisdiction to enter declaratory judgments.

This Court has jurisdiction to determine and enforce all legal and equitable rights regarding a contract and determine all legal and equitable remedies regarding the contracting parties’ rights. 3

Case No. 2024-P-0043 Counterclaimant asserts its putative class as being all Defendants against whom Auto Loan filed a complaint in the Small Claims division of the Municipal Court to collect an alleged debt it acquired by way of assignment OR in which it sought an amount in excess of the Small Claims Division’s monetary jurisdiction.

In its assertion of wrongful conduct towards Defendant Sisler, (and the putative class or portion thereof), Counterclaimant alleges pursuant to ORC §1925.02(A)(2)(ii) the small claims division does not have jurisdiction to hear claims brought by an assignee. Counterclaimant is correct: A claim which has been assigned may be brought in the small claims division.

The claim brought by Plaintiff has not been assigned. Plaintiff is the original claimant seeking judgment of monetary damages for an alleged breach of contract for failure to pay. No claim had arisen at the time rights were assigned from Crown Ford Lincoln Mercury, Inc. to Auto Loan. Assignment to Auto Loan of the rights under the contract occurred on the date and at the time the contract was made. Further, Auto Loan appears on the face of the two-sided single page contract.

Plaintiff’s claim arose after it received rights by assignment. Auto Loan is the original claimant. The Magistrate finds Plaintiff is not an assignee as contemplated by ORC §1925.02(A)([2])(ii).

Counterclaimant alleges Plaintiff regularly files actions as Small Claims seeking amounts in excess of the applicable monetary jurisdictional limit of the Small Claims Division. The Magistrate’s familiarity with actions brought by Plaintiff renders the assertion not a question of fact.

The Magistrate is acutely aware of the amounts claimed in Auto Loan cases. The Magistrate has heard numerous Auto Loan cases.

As Ms. Sisler points out in her Counterclaim, ORC §1901.17

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Cite This Page — Counsel Stack

Bluebook (online)
2025 Ohio 606, Counsel Stack Legal Research, https://law.counselstack.com/opinion/auto-loan-inc-v-sisler-ohioctapp-2025.