Cynthia L. Barkman and Charles N. Barkman v. USAA Federal Savings Bank

Court of Appeals of Texas·Decided August 28, 2015·No. 04-15-00306-CV·Published

Opinion

ACCEPTED 04-15-00306-CV FOURTH COURT OF APPEALS SAN ANTONIO, TEXAS 8/28/2015 4:18:21 PM KEITH HOTTLE CLERK

No. 04-15-00306-CV FILED IN 4th COURT OF APPEALS SAN ANTONIO, TEXAS 8/28/2015 4:18:21 PM KEITH E. HOTTLE IN THE COURT OF APPEALS Clerk FOR THE FOURTH DISTRICT OF TEXAS AT SAN ANTONIO _________________________________________________ CYNTHIA L. BARKMAN and CHARLES N. BARKMAN Appellants, v. USAA FEDERAL SAVINGS BANK, Appellee.

On Appeal from the County Court at Law No. 3, Bexar County, Texas Trial Court No. 2015CV01936 Honorable Jason Wolff, Presiding

USAA FEDERAL SAVINGS BANK’S MOTION FOR SANCTIONS

Selim H. Taherzadeh Jeremiah B. Hayes Taherzadeh, PLLC Taherzadeh, PLLC State Bar No. 24046944 State Bar No. 24048532 st@taherzlaw.com jh@taherzlaw.com 5001 Spring Valley Road, 5001 Spring Valley Road, Suite 1020W Suite 1020W Dallas, TX 75244 Dallas, TX 75244 Tel. (469) 729-6800 Tel. (469) 729-6800

ATTORNEYS FOR APPELLANT

ORAL ARGUMENT REQUESTED

August 28, 2015 NO. 04-15-00306-CV

CHARLES N. BARKMAN, JR. and § IN THE COURT OF APPEALS CYNTHIA L. BARKMAN, § § Appellant, § § v. § § USAA FEDERAL SAVINGS BANK, § § FOURTH COURT OF APPEALS Appellee. § DISTRICT

USAA FEDERAL SAVINGS BANK’S MOTION FOR SANCTIONS

TO THE HONORABLE JUDGE OF SAID COURT:

Comes now USAA Federal Savings Bank (“Appellee”) in the above-entitled and

numbered cause, and files this its Motion for Sanctions pursuant to Texas Rules of Appellate

Procedure § 45 and shows the following:

I. SUMMARY

Appellants reside at 9408 Fernglen Drive, San Antonio, Texas 78240, despite their failure

to make the regular monthly payments agreed to between the Appellants and Appellee under a

note and deed of trust that ultimately led to a foreclosure. Appellee has now been forced into

four separate State District Court actions, two Bankruptcy cases, a Justice Court case, a County

Court at Law case, and now the Court of Appeals. Despite the now nine separate courts, at no

point in time have Appellants shown the ability or a willingness to make the agreed payments.

In fact, Appellants specifically disclaimed any interest in the property at issue in the United

States Bankruptcy Court despite the filing of this additional lawsuit to stop a valid foreclosure.

This lawsuit is groundless, brought in bad faith, and filed for the sole purpose of delay and

harassment against Appellee.

MOTION FOR SANCTIONS 3 II. FACTS

A. The Parties’ Agreement

On September 8, 2006, Appellants Charles N. Barkman and Cynthia L. Barkman (“the

Barkmans”) executed a 15-year Texas Home Equity Note (“Note”) in which they agreed to repay

$120,299.28 to Appellee USAA Federal Savings Bank (“USAA”) in monthly installments of

$1,082.31, with the first payment taking place in October of 2006. See Exhibit A. The Barkmans

secured the payment of the Note with the real property commonly known as 9408 Fernglen

Drive, San Antonio, Texas 78240 (“Property). The Barkmans executed a Deed of Trust in which

they agreed to repay the amount owed to USAA in accordance with the Note and used the property

as collateral for their repayment. See Exhibit B. Under the Deed of Trust, the Barkmans agreed that

USAA “may accelerate the Note and foreclose [the] Security Instrument in a manner provided by

law if [the Barkmans are] in default.” See Exhibit B at ¶ 13. If USAA invoked the power of sale,

the Barkmans authorized the trustee under the Deed of Trust to sell the home to the highest bidder

for cash and agreed that USAA was allowed to purchase the home at any such sale. Id.

B. Default by the Barkmans

After the Barkmans fell behind on the mortgage payments, USAA petitioned for and was

granted an Order Allowing Foreclosure by the 166th District Court in Bexar County under Cause

Number 2009-CI-16202 on April 1, 2010. See Exhibit C.

C. The Barkmans’ First Bankruptcy

In order to avoid the foreclosure, the Barkmans filed for bankruptcy protection under

Case Number 10-51713-cag on May 3, 2010. Due to the Barkmans falling behind on their post-

petition mortgage payments, USAA filed a Motion from Relief of Stay on August 31, 2012. See

Exhibit D. The Barkmans initially denied the allegations in the Motion for Relief. See Exhibit E.

MOTION FOR SANCTIONS 4 Ultimately, an Agreed Order Modifying Stay was entered on September 24, 2012. See Exhibit F.

A Notice of Termination of Automatic Stay was filed by USAA on April 26, 2013. See Exhibit

G. Bankruptcy Case 10-51713 was ultimately dismissed on May 28, 2013 for the Barkmans’

failure to make the Chapter 13 plan payments. See Exhibit H.

D. The Barkmans’ Second Bankruptcy and Termination of Stay

On July 2, 2013, Cynthia Barkman filed a second bankruptcy under Case Number 13-

51785-rbk. On October 21, 2013, USAA filed a Motion for Relief from Stay in regards to the

property since the Barkmans were behind on 43 contractual payments going back to 2010. See

Exhibit I. On November 18, 2013, the court entered an Agreed Order Terminating Stay as to

both of the Barkmans. See Exhibit J. The Order was agreed to on behalf of the Barkmans by the

Barkmans’ bankruptcy attorney Magdalena Gonzales and specifically stated USAA could

proceed with the “foreclosure sale of the property.” Id.

On March 7, 2014, Cynthia Barkman filed a Motion to Modify Confirmed Chapter 13

Plan in Case Number 13-51785. See Exhibit K. The Motion to Modify was based on the

termination of stay as to the Property. Id. Cynthia Barkman was seeking to lower her monthly

plan payments by excluding USAA and Bexar County (Tax District). Id. On April 2, 2014,

Cynthia Barkman filed an Amended Motion to Modify. See Exhibit L. Once again, the Motion

to Modify was based on the termination of stay as to the Property. Id. Cynthia Barkman was

seeking to lower her monthly plan payments by excluding USAA and Bexar County (Tax

District) and now Propel Financial Services, another lienholder on the Property. Id. On April 9,

2014, another Amended Motion to Modify Plan was filed. See Exhibit M. Once again, the

Motion to Modify was based on the Agreed Order Terminating the Stay. Id. On April 17, 2014,

Judge King signed an Order granting the modification. See Exhibit N. Specifically, the Order

MOTION FOR SANCTIONS 5 allowed the debtor to “surrender the home owed to USAA Federal Savings Bank” and allow

Cynthia Barkman to remove USAA, Bexar County, and Propel from the Debtor’s Chapter 13

plan. Id.

On July 3, 2014, the Barkmans and Bexar County filed a Joint Motion for Relief from

Stay against the property at 9406 Fernglen. See Exhibit O. In said motion, “[t]he Debtor

disclaims any interest in the Subject Property…and an Agreed Order Terminating Stay with the

mortgage lienholder…” had already been entered. Id. On July 3, 2014, Judge King signed the

Joint Agreed Order terminating the stay as to Bexar County authorizing it to foreclose its tax lien

on the Property.

E. Application for Court Order Allowing Foreclosure

On March 23, 2014, USAA filed an Application for Court Order Allowing Foreclosure of

a Lien Securing a Home Equity Loan Under Texas Constitution Article XVI, Section 50(a)(6)

with the 224th Judicial District of Bexar County under Cause Number 2014-CI-04669. See

Exhibit P. On May 7, 2014, after the Barkmans failed to respond, USAA filed a Motion for

Default Judgment Allowing Foreclosure.

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