Byman v. Lee

CourtUnited States Bankruptcy Court, S.D. Texas
DecidedFebruary 8, 2021
Docket20-03036
StatusUnknown

This text of Byman v. Lee (Byman v. Lee) is published on Counsel Stack Legal Research, covering United States Bankruptcy Court, S.D. Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Byman v. Lee, (Tex. 2021).

Opinion

= □□ □□□ □□□□□□ □□ □□ □□ UNITED STATES BANKRUPTCY COURT □□□ FAS, SOUTHERN DISTRICT OF TEXAS HOUSTON DIVISION ENTERED 02/08/2021 IN RE: § ALFRED JACKSON § CASE NO: 19-33423 Debtor(s) § § CHAPTER 7 § ALLISON BYMAN § Plaintiff(s) § § VS. § ADVERSARY NO. 20-03036 § GEORGE M. LEE § Defendant(s) § MEMORANDUM OPINION This action stems from the actions between two parties, Alfred Jackson, debtor in the underlying bankruptcy case’, and George Lee, a hard money lender and the defendant in this case. Their relationship began in May 2018, when Alfred Jackson was in imminent danger of losing his homestead to foreclosure. The Court has considered the pleadings and other papers filed in this adversary, and in Jackson’s bankruptcy case, as well as the testimony of witnesses, the exhibits entered into evidence and the arguments of counsel. For the following reasons, the Court finds that the trustee may not avoid the debtor’s transfer of his homestead. However, the trustee has met her burden to avoid the transfer of $174,000.00 made on the debtor’s behalf pursuant to 11 U.S.C.§ 548 and Chapter 24 of the Texas Uniform Fraudulent Transfer Act (““TUFTA”). FINDINGS OF FACTS In 2013, Alfred Jackson, together with his wife refinanced their real property homestead located at 1811 Kirby Drive, Houston, Texas 77019,° the “River Oaks Property." Thereafter, the Jacksons began having problems making loan payments on the River Oaks Property. So, on August 15, 2016, the Jacksons took out two loans from The First National Bank of Beeville totaling $2,725,885.00, to pay off the prior loan. Soon thereafter, the Jacksons defaulted on these two loans causing The First National Bank of Beeville to accelerate the notes and to post the

19-33423 These transactions were also the basis of a complaint against the debtor, Alfred Jackson seeking to deny him a discharge pursuant to 11 USC § 727(a)(2)(A). Adversary No. 20-3004. This complaint was denied (ECF No. 71). * The real property was Jackson’s long-time homestead. He had purchased the property in 1999 and had consistently lived there with his spouse until he left the home in April 2019. * Joint Pretrial Statement, ECF No. 23 at p. 11 1/10

River Oaks Property for foreclosure multiple times, with a final foreclosure sale date of June 05, 2018.5

Prior to the foreclosure sale, Jackson attempted to sell the River Oaks Property and listed the River Oaks property for sale. The debtor and his spouse entered into a written contract with Mark Cohen6 to sell the property for $4.3 million. However, for reasons that could stem from a multitude of problems, this written contract was terminated by the potential buyer. One of the reasons that the parties acknowledged was that on April 12, 2018, Pieter Wilderom filed a lis pendens in the real property records,7 which attached to the River Oaks Property. Jackson and Wilderom both testified that Jackson requested that the Wilderoms remove the lis pendens, but Jackson took no legal action himself to remove it from the River Oaks Property.8

Jackson then began negotiations with the defendant, George M. Lee. Initially, Jackson and Lee discussed the outright purchase of the River Oaks Property and entered into an earnest money contract for $3.2 million.9 This was soon determined to be infeasible due to the looming foreclosure scheduled for June 05, 2018. The purchase would not have been possible because there was not time for the sale to close, as The First National Bank of Beeville would not agree to an additional extension of the foreclosure sale date as it had been previously postponed on several occasions.

On the day of the scheduled foreclosure sale, June 05, 2018, George M. Lee, purchased the notes from the bank in an arm’s length transaction for a total price of $2,737,019.46.10 On July 17, 2018, George Lee borrowed $2,298,332.93 from Frost Bank, securing the Frost Bank note with the notes that he had purchased on the River Oaks Property. Though Jackson averred he would make the payments required under his notes, he again was unable to meet these obligations and continued in default under the notes. At Jackson’s request, Lee agreed to forebear on foreclosure as long as Jackson abided by certain stipulations. George Lee and the Jacksons memorialized this compact by executing the July 9, 2018 forbearance agreement.11

The forbearance agreement required the Jacksons to pay a forbearance transaction fee of $87,022.00, alongside a monthly sum of $28,808.49, which covered payment on the notes, interest and penalties. If the Jacksons failed to abide by these terms, the agreement provided that Lee would have the right to immediately terminate the forbearance and take any and all actions against the Jacksons, including foreclosure. Although Jackson testified that he made the first payment under the agreement, there was no evidence that the payment was actually made, and the remaining testimony was that the Jacksons defaulted immediately under the forbearance agreement.

5 Joint Pretrial Statement, ECF No. 23 at p. 12. 6 Residential Contract dated March 30, 2018 (ECF No. 71-5) 7 ECF No. 71-6. 8 There were a number of sales offers on the River Oaks property valued between $4.3 million and $3.2 million. None of these offers were consummated. 9 Home Contract dated May 29, 2018 (ECF 71-10). 10 Joint Pre-Trial Statement, ECF No. 23, pg. 3 11 ECF No. 70-6 On August 14, 2018 Jackson executed an Affidavit in Support of Grantor’s Deed in Lieu of Foreclosure,12 which Lee filed in the real property records of Harris County, Texas. This affidavit acknowledged that Jackson was in default of the notes on the property as well as the forbearance agreement. The affidavit also states that debtor and his spouse relinquished all rights “to control, use or develop” the River Oaks Property. However, the Jacksons did not execute the deed in lieu at this time, only the affidavit in support of such a deed. Additionally, the Jacksons continued to live at the River Oaks Property and continued to try to market it for sale. Although not the legal owner, Lee executed a sales contract with Visionary Homes Inc. for $3.5 million on the River Oaks Property13 in September 2018. This contract also fell through.

Rather than foreclose on the property, on December 07, 2018, the Jacksons legally transferred title of the River Oaks Property to George M. Lee by deed in lieu of foreclosure in satisfaction of all of the Jackson’s debt on the property, as well as a new affidavit in support of the deed in lieu.14 Although they had deeded the River Oaks Property to Lee, the Jacksons continued to reside there as tenants until April 2019. There was no evidence that the Jacksons ever paid any rent to Lee during this time. Post deed in lieu Jackson and Lee orally agreed that if Jackson could find a buyer to purchase the property, they would split the profits after payment of all liens. Jackson was unable to find a buyer, then in April of 2019, when he and his wife vacated the property this agreement ceased.

In January 2019, Lee, now the legal owner and in possession of the property, attempted to market the River Oaks Property for sale, and subsequently entered into a contract with Galleria Investment Trust, a Texas Trust. On April 09, 2019, Lee sold the River Oaks Property to the Galleria Investment Trust for $2.95 million.15 At closing, Lee paid off his obligation to Frost Bank and was left with $598,547.85.16

On the same day, April 09, 2019, Lee purchased real property located at 6266 Woods Bridge Way, Houston, Texas 77007, the “Woods Bridge Property.” The Jacksons voluntarily moved from the River Oaks Property to the Woods Bridge Property on or about that same date. Jackson’s wife entered into a two-year lease with Lee dated April 22, 2019, signed on April 30, 2019.17

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Byman v. Lee, Counsel Stack Legal Research, https://law.counselstack.com/opinion/byman-v-lee-txsb-2021.