[Cite as Autovest, L.L.C. v. Roach, 2026-Ohio-1997.]
IN THE COURT OF APPEALS OF OHIO SECOND APPELLATE DISTRICT MONTGOMERY COUNTY
AUTOVEST, LLC : : C.A. No. 30676 Appellee : : Trial Court Case No. CVF1300441 v. : : (Civil Appeal from Municipal Court) WILLIAM ROACH : : FINAL JUDGMENT ENTRY & Appellant : OPINION :
...........
Pursuant to the opinion of this court rendered on May 29, 2026, the judgment of the
trial court is reversed.
Costs to be paid as stated in App.R. 24.
Pursuant to Ohio App.R. 30(A), the clerk of the court of appeals shall immediately
serve notice of this judgment upon all parties and make a note in the docket of the service.
Additionally, pursuant to App.R. 27, the clerk of the court of appeals shall send a certified
copy of this judgment, which constitutes a mandate, to the clerk of the trial court and note
the service on the appellate docket.
For the court,
CHRISTOPHER B. EPLEY, JUDGE
LEWIS, P.J., and HANSEMAN, J., concur. OPINION MONTGOMERY C.A. No. 30676
WILLIAM M. HARRELSON II, Attorney for Appellant BRAD A. COUNCIL, Attorney for Appellee
EPLEY, J.
{¶ 1} William Roach appeals from a judgment of the Vandalia Municipal Court, which
granted the motion of Autovest, LLC to revive a dormant judgment. For the following
reasons, the trial court’s judgment is reversed.
I. Facts and Procedural History
{¶ 2} In 2008, Roach purchased a truck from Planet Ford. He financed $17,475.94
and agreed to monthly payments of $432.62 beginning in August 2008. Planet Ford
assigned the finance agreement to Wells Fargo Bank. Roach apparently defaulted on the
loan. In April 2013, Autovest, as the current holder of the account, sued Roach, alleging that
he owed $8,404.05, plus fees and interest at the rate of 19.60% from November 15, 2010.
{¶ 3} On October 29, 2013, Autovest and Roach entered into a consent judgment
with the following terms:
Pursuant to an agreement between the parties, judgment is hereby
entered in favor of Plaintiff, AUTOVEST, L.L.C., against Defendant, WILLIAM
ROACH, in the amount of $8,404.05, plus accrued interest through March 15,
2013 in the amount of $6,897.42 and interest thereafter at statutory rate per
annum on the principle [sic] balance and costs of this action.
The Plaintiff has agreed to accept and Defendant has agreed to pay the
sum of $1,004.13 by November 15, 2013, and then $308.33 per month
beginning December 15, 2013 and continuing thereafter on the 15 th of each
2 month until such time as $8,404.05 is paid in full (no interest included).
Payments under this Consent Judgment Entry are to be sent to FULTON,
FRIEDMAN & GULLACE, LLP PO BOX 2123 WARREN MI 48090-2123.
Plaintiff has agreed to withhold execution on said judgment (with the
exception of filing a judgment lien) so long as Defendant makes the payments
in a timely manner as specified above. Upon completion of the payment terms
as stated above, Plaintiff will file a Satisfaction of Judgment.
The parties dispute the amount of payments that Roach made as required by the consent
judgment.
{¶ 4} In June 2015, Autovest requested and obtained a garnishment order. It is
unclear whether Roach initially was aware of this order. According to Autovest, it last
received payment on the debt, from any source, in February 2016. On May 23, 2016, an
attorney for Autovest filed an affidavit of current balance due on garnishment, stating that
$5,809.10 had been paid to date and that $10,420.52 was due and owing on the debt. Roach
requested a hearing, but the record does not indicate what occurred after that.
{¶ 5} More than eight years later, on November 20, 2023, Autovest filed a motion to
revive the October 29, 2013 judgment. It stated that Roach owed $8,404.05, plus interest in
the amount of $3,749.62 through October 29, 2018, the date of dormancy, plus interest at
the rate of three percent per annum and costs (because the judgment had become dormant
by November 2023, we state no opinion as to the correctness of Autovest’s asserted date
of dormancy).
{¶ 6} Roach was served with the motion in February 2025. On March 28, 2025, he
opposed the motion, stating that the debt had been paid in full as of August 15, 2015.
3 {¶ 7} Considering Roach’s response, the magistrate gave Autovest 30 days "to show
cause as to why a satisfaction of judgment should not be entered in this case.” Autovest
responded that it had received only $4,409.10 from Roach to date and that Roach had an
unpaid balance of $12,193.67. It attached a copy of the consent judgment entry and a
statement of account showing payments between November 28, 2014 and February 29,
2016. All the payments had been applied to Roach’s interest balance. Roach did not file
anything in response. On May 30, 2025, based on Autovest’s documentation, the magistrate
recommended that the motion to revive the October 29, 2013 judgment be granted.
{¶ 8} On June 3, 2025, Roach, now with counsel, objected to the magistrate’s
decision. He stated that he was in the process of obtaining documentation to support his
March 28, 2025 filing, and that he would supplement his objection by affidavit within 30 days.
Roach asserted that an independent review of the evidence should lead the trial court to
conclude that the judgment was satisfied by previous payments that were not accounted for
in Autovest’s account statement.
{¶ 9} On July 3, 2025, Roach filed an affidavit in support of his objections, stating that
he had satisfied the debt with a final payment in August 2015. He attached two exhibits, both
of which he authenticated. Exhibit A consisted of the records that he had maintained
regarding his payments on the debt. Exhibit B was a copy of the subpoena duces tecum that
his attorney had issued to Wright-Patt Credit Union for the records of Heather Hughes, who
had made payments on his behalf. Roach stated in his affidavit that the credit union had not
responded with the subpoenaed records. Roach asked for a hearing “so I may present
evidence eventually obtained by subpoena and offer my own testimony of prior payments.”
{¶ 10} Autovest did not file a response to either Roach’s objections or his
supplemental objections.
4 {¶ 11} On October 7, 2025, the trial court overruled Roach’s objections. It reasoned
that despite Roach’s issuance of a subpoena in June 2025, he had failed to submit
documentation to support his position that the debt had been paid in full. The court found
that “the only proof of payment he has submitted, in the form of copies of cashed checks,
are payments which have been acknowledged by the Plaintiff.” The court granted Autovest’s
motion to revive the judgment in the amount of $12,193.67, the balance shown on Autovest’s
statement of account, with interest accruing at the rate of three per cent per annum from the
date of the order.
{¶ 12} Roach appeals from the trial court’s judgment, raising two assignments of
error. Autovest has not filed a responsive appellate brief.
II. Revival of the 2013 Judgment
{¶ 13} In his first assignment of error, Roach claims that the trial court committed
reversible error when it found that the payments he had identified in his objections had been
acknowledged by Autovest, because those payments were not included in Autovest’s
calculation of the amount due and owing.
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[Cite as Autovest, L.L.C. v. Roach, 2026-Ohio-1997.]
IN THE COURT OF APPEALS OF OHIO SECOND APPELLATE DISTRICT MONTGOMERY COUNTY
AUTOVEST, LLC : : C.A. No. 30676 Appellee : : Trial Court Case No. CVF1300441 v. : : (Civil Appeal from Municipal Court) WILLIAM ROACH : : FINAL JUDGMENT ENTRY & Appellant : OPINION :
...........
Pursuant to the opinion of this court rendered on May 29, 2026, the judgment of the
trial court is reversed.
Costs to be paid as stated in App.R. 24.
Pursuant to Ohio App.R. 30(A), the clerk of the court of appeals shall immediately
serve notice of this judgment upon all parties and make a note in the docket of the service.
Additionally, pursuant to App.R. 27, the clerk of the court of appeals shall send a certified
copy of this judgment, which constitutes a mandate, to the clerk of the trial court and note
the service on the appellate docket.
For the court,
CHRISTOPHER B. EPLEY, JUDGE
LEWIS, P.J., and HANSEMAN, J., concur. OPINION MONTGOMERY C.A. No. 30676
WILLIAM M. HARRELSON II, Attorney for Appellant BRAD A. COUNCIL, Attorney for Appellee
EPLEY, J.
{¶ 1} William Roach appeals from a judgment of the Vandalia Municipal Court, which
granted the motion of Autovest, LLC to revive a dormant judgment. For the following
reasons, the trial court’s judgment is reversed.
I. Facts and Procedural History
{¶ 2} In 2008, Roach purchased a truck from Planet Ford. He financed $17,475.94
and agreed to monthly payments of $432.62 beginning in August 2008. Planet Ford
assigned the finance agreement to Wells Fargo Bank. Roach apparently defaulted on the
loan. In April 2013, Autovest, as the current holder of the account, sued Roach, alleging that
he owed $8,404.05, plus fees and interest at the rate of 19.60% from November 15, 2010.
{¶ 3} On October 29, 2013, Autovest and Roach entered into a consent judgment
with the following terms:
Pursuant to an agreement between the parties, judgment is hereby
entered in favor of Plaintiff, AUTOVEST, L.L.C., against Defendant, WILLIAM
ROACH, in the amount of $8,404.05, plus accrued interest through March 15,
2013 in the amount of $6,897.42 and interest thereafter at statutory rate per
annum on the principle [sic] balance and costs of this action.
The Plaintiff has agreed to accept and Defendant has agreed to pay the
sum of $1,004.13 by November 15, 2013, and then $308.33 per month
beginning December 15, 2013 and continuing thereafter on the 15 th of each
2 month until such time as $8,404.05 is paid in full (no interest included).
Payments under this Consent Judgment Entry are to be sent to FULTON,
FRIEDMAN & GULLACE, LLP PO BOX 2123 WARREN MI 48090-2123.
Plaintiff has agreed to withhold execution on said judgment (with the
exception of filing a judgment lien) so long as Defendant makes the payments
in a timely manner as specified above. Upon completion of the payment terms
as stated above, Plaintiff will file a Satisfaction of Judgment.
The parties dispute the amount of payments that Roach made as required by the consent
judgment.
{¶ 4} In June 2015, Autovest requested and obtained a garnishment order. It is
unclear whether Roach initially was aware of this order. According to Autovest, it last
received payment on the debt, from any source, in February 2016. On May 23, 2016, an
attorney for Autovest filed an affidavit of current balance due on garnishment, stating that
$5,809.10 had been paid to date and that $10,420.52 was due and owing on the debt. Roach
requested a hearing, but the record does not indicate what occurred after that.
{¶ 5} More than eight years later, on November 20, 2023, Autovest filed a motion to
revive the October 29, 2013 judgment. It stated that Roach owed $8,404.05, plus interest in
the amount of $3,749.62 through October 29, 2018, the date of dormancy, plus interest at
the rate of three percent per annum and costs (because the judgment had become dormant
by November 2023, we state no opinion as to the correctness of Autovest’s asserted date
of dormancy).
{¶ 6} Roach was served with the motion in February 2025. On March 28, 2025, he
opposed the motion, stating that the debt had been paid in full as of August 15, 2015.
3 {¶ 7} Considering Roach’s response, the magistrate gave Autovest 30 days "to show
cause as to why a satisfaction of judgment should not be entered in this case.” Autovest
responded that it had received only $4,409.10 from Roach to date and that Roach had an
unpaid balance of $12,193.67. It attached a copy of the consent judgment entry and a
statement of account showing payments between November 28, 2014 and February 29,
2016. All the payments had been applied to Roach’s interest balance. Roach did not file
anything in response. On May 30, 2025, based on Autovest’s documentation, the magistrate
recommended that the motion to revive the October 29, 2013 judgment be granted.
{¶ 8} On June 3, 2025, Roach, now with counsel, objected to the magistrate’s
decision. He stated that he was in the process of obtaining documentation to support his
March 28, 2025 filing, and that he would supplement his objection by affidavit within 30 days.
Roach asserted that an independent review of the evidence should lead the trial court to
conclude that the judgment was satisfied by previous payments that were not accounted for
in Autovest’s account statement.
{¶ 9} On July 3, 2025, Roach filed an affidavit in support of his objections, stating that
he had satisfied the debt with a final payment in August 2015. He attached two exhibits, both
of which he authenticated. Exhibit A consisted of the records that he had maintained
regarding his payments on the debt. Exhibit B was a copy of the subpoena duces tecum that
his attorney had issued to Wright-Patt Credit Union for the records of Heather Hughes, who
had made payments on his behalf. Roach stated in his affidavit that the credit union had not
responded with the subpoenaed records. Roach asked for a hearing “so I may present
evidence eventually obtained by subpoena and offer my own testimony of prior payments.”
{¶ 10} Autovest did not file a response to either Roach’s objections or his
supplemental objections.
4 {¶ 11} On October 7, 2025, the trial court overruled Roach’s objections. It reasoned
that despite Roach’s issuance of a subpoena in June 2025, he had failed to submit
documentation to support his position that the debt had been paid in full. The court found
that “the only proof of payment he has submitted, in the form of copies of cashed checks,
are payments which have been acknowledged by the Plaintiff.” The court granted Autovest’s
motion to revive the judgment in the amount of $12,193.67, the balance shown on Autovest’s
statement of account, with interest accruing at the rate of three per cent per annum from the
date of the order.
{¶ 12} Roach appeals from the trial court’s judgment, raising two assignments of
error. Autovest has not filed a responsive appellate brief.
II. Revival of the 2013 Judgment
{¶ 13} In his first assignment of error, Roach claims that the trial court committed
reversible error when it found that the payments he had identified in his objections had been
acknowledged by Autovest, because those payments were not included in Autovest’s
calculation of the amount due and owing. His second assignment of error asserts that the
trial court erred in concluding that Roach had failed to show cause that the judgment should
not be revived. We address his arguments together.
{¶ 14} Unless certain actions occur, a judgment that is not in favor of the state
becomes dormant after five years. R.C. 2329.07(B)(1). Upon becoming dormant, the
judgment has no legal effect and may not be enforced, unless the judgment is revived in
accordance with R.C. 2325.15. Discover Bank v. Wells, 2018-Ohio-4637, ¶ 20 (2d Dist.).
“[A] revived judgment is not a continuation of a dormant judgment, but in essence creates a
new judgment that a judgment creditor may seek to enforce.” Auto Now Acceptance Co.,
LLC v. Brickey, 2020-Ohio-3447, ¶ 9 (4th Dist.).
5 {¶ 15} A dormant judgment may be revived “in the manner prescribed for reviving
actions before judgment, or by action in the court in which such judgment was rendered.”
R.C. 2325.15. A proceeding to revive a judgment may be brought by motion within the
original case. See Omni Credit Servs. v. Leston, 2013-Ohio-304, ¶ 19.
{¶ 16} A dormant judgment may be revived “[i]f sufficient cause is not shown to the
contrary.” R.C. 2325.17; see Worldwide Asset Purchasing, L.L.C. v. Shuster, 2019-Ohio-
1441, ¶ 8 (8th Dist.) (“A motion for revivor of a dormant judgment is granted in the amount
the judge finds still due and unsatisfied unless sufficient cause is shown to the contrary.”).
Ohio appellate courts have interpreted R.C. 2325.17 as requiring trials courts to give the
judgment debtor an opportunity to show why a judgment should not be revived. E.g.,
Hazelwood Assn., Inc. v. Helfrich, 2025-Ohio-2968, ¶ 37 (5th Dist.); Cornerstone Managed
Properties, LLC v. Martin, 2025-Ohio-662, ¶ 10 (10th Dist.). “The show cause hearing may
be summary in nature and may amount to a non-oral hearing to allow the judgment debtor
to submit evidentiary materials.” Rindfleisch v. AFT, Inc., 2005-Ohio-191, ¶ 12 (8th Dist.).
{¶ 17} A judgment debtor may avoid revival of the judgment by showing that the
judgment has been paid, settled, or barred by the statute of limitations. E.g., Omni Credit
Servs. v. Leston, 2013-Ohio-304, ¶ 19 (2d Dist.), citing Columbus Check Cashers, Inc. v.
Cary, 2011-Ohio-1091, ¶ 19 (10th Dist.).
{¶ 18} Autovest supported its request to revive the dormant judgment with an
unauthenticated statement of account, apparently prepared by Autovest’s current law firm.
The statement reflected starting balances of $8,404.05 (unpaid principal), $6,897.42
(judgment interest), and $0 (post-judgment interest) as of October 29, 2013, the date of the
consent judgment. It listed thirteen payments, beginning in November 2014: (1) monthly
payments of $350 from November 2014 to March 2015, (2) two payments of $157.53 in
6 July 2015, (3) a payment of $315.06 in August 2015, (4) a payment of $157.53 in September
2015, and (5) payments in the following amounts for October 2015 through February 2016,
respectively: $445.31, $321.85, $589.71, $325.21, and $189.37. Roach’s total payments,
according to Autovest, equaled $4,409.10, all of which were credited toward his interest
balance.
{¶ 19} Roach’s sworn affidavit averred that he had paid the debt in full and that his
attached documents (Exhibit A) were true and accurate copies of his records of his prior
payments. Exhibit A consisted of copies of several cancelled checks (all paid on the account
of Heather Hughes), the cover letters sent with his payments, and contemporaneous notes.
{¶ 20} One page of Exhibit A, dated March 3, 2014, was summary of the telephone
conversations Roach had in which he learned of the transfer of the debt from Fulton,
Friedman & Gullace (“FF&G”) to Targosz and Walker PLLC. Roach wrote that he had
contacted FF&G after his February 2014 payment did not post. An automated system
indicated that the case had been transferred to Midline Credit Management. When Roach
called that entity, he learned that the case was still with FF&G. Roach then spoke to two
other individuals and was told that the account was with Nicole Nesbitt at Targosz and
Walker PLLC in Michigan. According to Roach’s summary, Nesbitt stated that the account
was in transition to Cliff Babcock with Reimer law offices in the Cleveland area. Nesbitt
advised Roach to send payments to her, made payable to Autovest, until the case opened
with Babcock.
{¶ 21} After Roach began sending payments to Babcock, he apparently received a
notice regarding the balance due. Exhibit A contains Roach’s response, sent in April 2015
to Tom Power of Reimer, Arnovitz, Chernek & Jeffrey. Roach disputed the balance due and
asked Powers to adjust the balance.
7 {¶ 22} Viewing Roach’s Exhibit A, the exhibit indicated that the following payments
were made (the payments in bold were included in Autovest’s statement of account):
Date of Cover Letter Amount Documentation Cover letter to FF&G; canceled check #1714 payable Nov. 8, 2013 $1,004.05 to FF&G Cover letter to FF&G; canceled check #1716 payable Dec. 8, 2013 $350.00 to FF&G Cover letter to FF&G; March 3, 2014 note (detailing Jan. 15, 2014 $350.00 prior payments) Cover letter to FF&G; handwritten reference to check Feb. 12, 2014 $310.00 #1758; March 3, 2014 note (detailing prior payments) Cover letter to Nesbitt; Oct. 15, 2014 cover letter to Mar. 12, 2014 $350.00 Babcock (describing payment history) Cover letter to Nesbitt; Oct. 15, 2014 cover letter to Apr. 15, 2014 $350.00 Babcock (describing payment history) Cover letter to Nesbitt; Oct. 15, 2014 cover letter to May 15, 2014 $350.00 Babcock (describing payment history) Cover letter to Nesbitt; canceled check #1738 payable June 15, 2014 $350.00 to Autovest Cover letter to Nesbitt; canceled check #1740 payable July 15, 2014 $350.00 to Autovest Cover letter to Nesbitt; canceled check #1746 payable Aug. 15, 2014 $350.00 to Autovest Cover letter to Nesbitt; Oct. 15, 2014 cover letter to Sept. 15, 2014 $350.00 Babcock (describing payment history) Cover letter to Babcock; canceled check #1668 Oct. 15, 2014 $350.00 payable to Autovest Cover letter to Babcock; canceled check #1675 Nov. 15, 2014 $350.00 payable to Autovest Cover letter to Babcock; canceled check #1685 Dec. 15, 2014 $350.00 payable to Autovest Cover letter to Babcock; canceled check #0512 Jan. 15, 2015 $350.00 payable to Autovest Cover letter to Babcock; canceled check #1815 Feb. 15, 2015 $350.00 payable to Autovest Cover letter to Babcock; handwritten reference to Mar. 15, 2015 $350.00 balance due of $1,840
8 Cover letter to Babcock; April 2015 letter to Powers; Apr. 15, 2015 $350.00 handwritten reference to check #1822 and balance due of $1,490 Cover letter to Babcock; handwritten reference to May 15, 2015 $350.00 check #1830 and balance due of $1,140 Cover letter to Babcock; handwritten reference to June 15, 2015 $350.00 check #1841 and balance due of $790 Cover letter to Babcock; handwritten reference to July 15, 2015 $350.00 balance due of $440 Cover letter to Babcock; handwritten reference to last Aug. 15, 2015 $440.00 payment
{¶ 23} Autovest did not file a memorandum in opposition to Roach’s supplemental
objections. Consequently, it did not respond to Roach’s evidence of payments made prior to
November 2014. Autovest also did not explain the payments it had received between July
2015 and February 2016, but we note that those occurred following the June 2015
garnishment order.
{¶ 24} Upon review of the record, it is apparent that Roach made multiple payments
in accordance with the consent decree that were not accounted for by Autovest’s statement
of account. The consent decree required Roach to pay $1,004.13 by November 15, 2013,
and his documentation, including a canceled check payable to FF&G, substantiated that he
did. Roach was required to pay additional monthly payments of $308.33, and his evidence
reflected that he made monthly payments in excess of that amount, mostly $350.00. Each
cover letter referenced that the payment was being made pursuant to his agreement with
FF&G on behalf of Autovest in this case, and Roach provided the case number and the
account numbers that each firm had assigned to the matter. Although Roach did not provide
canceled checks for every payment, his sworn statement that the loan had been paid in full
along with his additional documentation supported a conclusion that they were made.
9 {¶ 25} On this record, we conclude that the trial court erred in determining that Roach
had failed to show sufficient cause as to why the October 29, 2013 judgment should not be
revived. At a minimum, Roach’s evidence established that additional payments had been
made beyond those shown on Autovest’s statement of account and that Autovest’s asserted
balance due was inaccurate and inflated. Autovest did not account for any payments made
prior to the payments being sent to Babcock, including those documented with canceled
checks. In contrast, Roach’s evidence reasonably supported the conclusion that the loan
had been paid in full under the terms of the consent judgment. In our view, Roach’s evidence
provided “sufficient cause” as to why the motion to revive the dormant judgment should be
denied.
{¶ 26} Accordingly, Roach’s assignments of error are sustained.
III. Conclusion
{¶ 27} The trial court’s judgment is reversed.
.............
LEWIS, P.J., and HANSEMAN, J., concur.