Chinara Butler v. Deutsche Bank National Trust Company as Trustee for the Registered Holders of Morgan Stanley ABS Capital Inc.

Court of Appeals of Texas·Decided April 28, 2022·No. 09-20-00137-CV·Published

Opinion

In The

Court of Appeals

Ninth District of Texas at Beaumont

__________________

NO. 09-20-00137-CV __________________

CHINARA BUTLER, Appellant

V.

DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE FOR THE REGISTERED HOLDERS OF MORGAN STANLEY ABS CAPITAL INC., Appellee

__________________________________________________________________

On Appeal from the 136th District Court Jefferson County, Texas Trial Cause No. D-201,752 __________________________________________________________________

MEMORANDUM OPINION

In a restricted appeal from a take-nothing judgment in a wrongful foreclosure

suit, Chinara Butler argues (1) she satisfied the first three requirements of Texas

Rule of Appellate Procedure 30, (2) the trial court’s erroneous grant of a motion for

summary judgment constitutes error on the face of the record, (3) that as an heir and

interested person of the deceased debtor she was entitled to notice under section

355.157 of the Estates Code and section 51.002 of the Property Code, and (4)

1 genuine issues of material fact preclude summary judgment. The appellee, Deutsche

Bank National Trust Company as Trustee for the registered holders of Morgan

Stanley ABS Capital Inc. (“Deutsche Bank” or “the Bank”) filed a combined no-

evidence and traditional motion for summary judgment seeking a take-nothing

judgment on all causes of action asserted against it by Butler. We affirm the trial

court’s judgment.

Background

In her original petition, which Butler filed on May 14, 2018, Butler alleged

she filed suit in her capacity as the widow of Chad Butler. Butler alleged that she

gained ownership of the subject property through a deed executed on August 14,

2006. The general warranty deed with vendor’s lien attached to the petition recites

that the grantee is Chad L. Butler, an Unmarried Man. Butler alleged that the

property was sold at a foreclosure sale on August 5, 2008, but the following month

Deutsche Bank recorded a Rescission for Acceleration and Foreclosure Sale and of

Substitute Trustee’s Deed. Butler alleged several notices of substitute trustee’s sale

were filed from 2008 through 2011. Butler alleged that the note remained in

acceleration until April 2, 2018, the date Deutsche Bank posted a notice of substitute

trustee’s sale for May 1, 2018. Butler alleged Deutsche Bank sent Butler a notice to

vacate after taking title to the property at the May 1, 2018 substitute trustee’s sale.

2 Butler pleaded two counts of wrongful foreclosure. In Count 1, she alleged

Deutsche Bank was liable for a wrongful foreclosure because it caused the property

to be sold at a foreclosure sale more than four years after the October 2008

acceleration of the note secured by the trustee’s deed. Butler alleged she was

damaged by the loss of her equity in her home. In Count 2, Butler alleged Deutsche

Bank was liable for a wrongful foreclosure because it failed to comply with Texas

Rule of Civil Procedure 21(b) by providing at least three days’ hearing notice to

Butler, or to her minor child and heir to Chad Butler’s estate, before the probate

court granted Deutsche Bank’s Application to Foreclose Preferred Lien on Real

Property. She alleged Deutsche Bank’s failure to comply with Rule 21(b) of the

Texas Rules of Civil Procedure caused her to lose the opportunity to defend her

property against a foreclosure sale and she suffered damages in that she lost her

property.

Butler’s original petition alleged Deutsche Bank also was liable in tort for

negligently executing a foreclosure sale barred by limitations and the bank’s

negligence caused Butler to lose her home. She further alleged Deutsche Bank was

liable in gross negligence because it acted with an objective extreme degree of risk

and conscious indifference. Butler sought a declaratory judgment that limitations

barred foreclosure. She requested a temporary restraining order, a temporary

injunction, and a permanent injunction against selling or encumbering the property.

3 Butler’s prayer for relief requested an order setting aside the foreclosure, interest,

and attorney’s fees.

Deutsche Bank answered the suit with a general denial and asserted various

affirmative defenses. On December 6, 2019, Deutsche Bank filed a combined no-

evidence and traditional motion for summary judgment. The no-evidence motion for

summary judgment urged that Butler had no evidence of irregularity in the

foreclosure proceeding as alleged in Count 1 of her wrongful foreclosure pleading.

In particular, Deutsche Bank asserted that Butler had no evidence that the 2008

Notice of Acceleration remained in effect after Deutsche Bank filed its Rescission

of Acceleration. The no-evidence portion of the motion for summary judgment did

not address Count 2 of the wrongful foreclosure claim. Deutsche Bank moved for

summary judgment on Butler’s claims for negligence and gross negligence because

she had no evidence of a legal duty owed by Deutsche Bank to Butler. Deutsche

Bank claimed Butler had no evidence to support a duty-creating special relationship

between Butler and Deutsche Bank and no evidence that Deutsche Bank breached

any duty of care by foreclosing on the property more than four years after

acceleration.

Deutsche Bank’s traditional motion for summary judgment asserted Butler’s

limitations-based wrongful foreclosure claims, including her requests for injunctive

relief, failed as a matter of law because the 2008 Rescission of Acceleration

4 conclusively established that Deutsche Bank abandoned the 2008 acceleration that

Butler alleged started limitations. Deutsche Bank maintained that to the extent Butler

relied upon accelerations triggered from 2009 through 2011, a declaration by Senior

Loan Analyst Katherine Ortwerth and documents attested by her conclusively

established that such accelerations were abandoned by the acceptance of mortgage

payments and the operative acceleration occurred on March 29, 2018.

The evidence attached to the motion for summary judgment included a

declaration by counsel for Deutsche Bank that Butler failed to respond to requests

of admissions, thereby admitting that she signed a Loan Modification Agreement,

and that the agreement is in default. The Loan Modification Agreement, submitted

to the trial court as summary judgment evidence, establishes that in 2013 Chinara

Butler signed a Loan Modification Agreement for the Estate of Chad Butler. The

agreement established a new principal balance of $267,000 and provided that the

Note will become contractually current upon signing the agreement.

Deutsche Bank’s traditional motion for summary judgment on Count 2 of

Butler’s wrongful foreclosure claim asserted that as a matter of law Butler and her

daughter were not entitled to notice of the probate court’s hearing on Deutsche

Bank’s application for foreclosure. Deutsche Bank argued Section 355.157 of the

Texas Estates Code required citation issue only to the personal representative or a

person having a security interest against the property, and “[n]either [Butler] nor her

5 daughter were a party to the probate action, since at the time of the hearing [Butler]

had been removed as the dependent administrator.” Deutsche Bank referred to two

orders that Butler attached to her original petition: (1) the probate court’s October

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Chinara Butler v. Deutsche Bank National Trust Company as Trustee for the Registered Holders of Morgan Stanley ABS Capital Inc., (Tex. Ct. App. 2022).

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