Bank of America NA v. The Estate of Richard P. Nelson

CourtCourt of Appeals of Wisconsin
DecidedSeptember 17, 2025
Docket2023AP001549
StatusPublished

This text of Bank of America NA v. The Estate of Richard P. Nelson (Bank of America NA v. The Estate of Richard P. Nelson) is published on Counsel Stack Legal Research, covering Court of Appeals of Wisconsin primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Bank of America NA v. The Estate of Richard P. Nelson, (Wis. Ct. App. 2025).

Opinion

COURT OF APPEALS DECISION NOTICE DATED AND FILED This opinion is subject to further editing. If published, the official version will appear in the bound volume of the Official Reports. September 17, 2025 A party may file with the Supreme Court a Samuel A. Christensen petition to review an adverse decision by the Clerk of Court of Appeals Court of Appeals. See WIS. STAT. § 808.10 and RULE 809.62.

Appeal No. 2023AP1549 Cir. Ct. No. 2022CV296

STATE OF WISCONSIN IN COURT OF APPEALS DISTRICT II

BANK OF AMERICA NA,

PLAINTIFF,

V.

THE ESTATE OF RICHARD P. NELSON,

DEFENDANT,

UNITED STATES OF AMERICA,

DEFENDANT-RESPONDENT,

STATE OF WISCONSIN DEPARTMENT OF REVENUE,

DEFENDANT-APPELLANT.

APPEAL from orders of the circuit court for Waukesha County: MICHAEL P. MAXWELL, Judge. Affirmed. No. 2023AP1549

Before Neubauer, P.J., Gundrum, and Lazar, JJ.

¶1 NEUBAUER, P.J. The Wisconsin Department of Revenue (DOR) appeals from an order directing the Waukesha County clerk of court to disburse $54,421.96 that the clerk was holding as surplus proceeds from the foreclosure sale of real property formerly owned by Richard Nelson to the United States of America. The DOR and the United States each had liens on the property for unpaid taxes, but the circuit court determined that the United States had the superior claim to the surplus under the federal priority statute, 31 U.S.C. § 3713. As relevant here, the statute gives the federal government’s claim priority if “the estate of a deceased debtor, in the custody of the executor or administrator, is not enough to pay all debts of the debtor.” Sec. 3713(a)(1)(B). The court concluded that the statute applies to the surplus because the clerk of court qualifies as an “administrator.” The DOR disagrees with the court’s reading of the statute, but for the reasons explained below, we conclude that the court correctly determined that the statute applies and that the United States is entitled to the surplus. We therefore affirm.

BACKGROUND

¶2 The relevant facts are brief and undisputed. Richard Nelson died owing substantial sums to the United States ($175,431.51) and the DOR ($115,975.33) for unpaid taxes. Bank of America, NA, which held a mortgage on real property Nelson owned at the time of his death, commenced this action seeking to foreclose on its mortgage and sell the property to pay off its loan. In addition to Nelson’s estate, Bank of America named the United States and the DOR as defendants because both had liens against the property to secure unpaid tax debts. The circuit court entered a judgment of foreclosure allowing Bank of

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America to sell the property. The property was later sold at a sheriff’s sale. The purchaser paid the sale price to the clerk of court. After the bank’s claim and certain fees were paid, a surplus of $54,421.96 remained. The order confirming the sale instructed the clerk to hold the surplus “pending further order of the court.”

¶3 The DOR filed an application asking the circuit court to direct the clerk to pay the surplus to it pursuant to its tax lien. The United States also filed a motion to claim the surplus, arguing that its claim was “entitled to priority … pursuant to 31 U.S.C. § 3713.” The DOR opposed the United States’ claim, arguing that § 3713 “does not apply in this foreclosure action.” After the parties submitted briefs on the applicability of § 3713, the court issued a written decision concluding that the statute applied to the surplus, the clerk of court was an “administrator” under § 3713(a)(1)(B), and thus the United States’ claim to the surplus had priority. The DOR moved for reconsideration, arguing that the court’s conclusion was a manifest error of law. The court disagreed and denied the motion.

DISCUSSION

¶4 The parties take different positions regarding the appropriate standard of review. The DOR argues that we are to review the circuit court’s interpretation and application of the priority statute de novo. The United States, citing a circuit court’s “equitable discretion” in foreclosure proceedings, contends that the court’s decision should only be reviewed for an erroneous exercise of discretion. However, the parties agree that resolution of this appeal turns on the proper interpretation and application of 31 U.S.C. § 3713. We thus agree with the DOR that de novo review is appropriate. See Alberte v. Anew Health Care Servs.,

3 No. 2023AP1549

Inc., 2000 WI 7, ¶7, 232 Wis. 2d 587, 605 N.W.2d 515 (“Interpretation of a federal statute is a question of law that is subject to de novo review by this court.”).

¶5 The priority statute “is almost as old as the Constitution, and its roots reach back even further into the English common law.” United States v. Moore, 423 U.S. 77, 80 (1975). The first priority statute was enacted in 1789, and subsequent enactments in the 1790s broadened its scope and “gave the priority teeth by making the administrator of any insolvent or decedent’s estate personally liable for any amount not paid the United States because he gave another creditor preference.” Id. at 81. These enactments were later codified as 31 U.S.C. §§ 191 and 192 (1976). Section 191 stated as follows:

Whenever any person indebted to the United States is insolvent, or whenever the estate of any deceased debtor, in the hands of the executors or administrators, is insufficient to pay all the debts due from the deceased, the debts due to the United States shall be first satisfied; and the priority established shall extend as well to cases in which a debtor, not having sufficient property to pay all his debts, makes a voluntary assignment thereof, or in which the estate and effects of an absconding, concealed, or absent debtor are attached by process of law, as to cases in which an act of bankruptcy is committed.

See Moore, 423 U.S. at 79. Section 192, which codified the personal liability aspect of the priority, stated as follows:

Every executor, administrator, or assignee, or other person, who pays, in whole or in part, any debt due by the person or estate for whom or for which he acts before he satisfies and pays the debts due to the United States from such person or estate, shall become answerable in his own person and estate to the extent of such payments for the debts so due to the United States, or for so much thereof as may remain due and unpaid.

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See United States v. King, 322 F.2d 317, 320 (3d Cir. 1963). Congress later revised and re-enacted Sections 191 and 192 as 31 U.S.C. § 3713(a) and (b), respectively, but “no substantive changes” to the priority statute were intended by that revision. See United States v. Coppola, 85 F.3d 1015, 1019 n.3 (2d Cir. 1996); United States v. Cole, 733 F.2d 651, 654 n.2 (9th Cir. 1984).

¶6 In its current form, the priority statute states as follows:

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Bluebook (online)
Bank of America NA v. The Estate of Richard P. Nelson, Counsel Stack Legal Research, https://law.counselstack.com/opinion/bank-of-america-na-v-the-estate-of-richard-p-nelson-wisctapp-2025.