Eleftherios Kaldis AKA Ted Kaldis and Monica Kaldis v. Aurora Loan Services

424 S.W.3d 729, 2014 WL 715019, 2014 Tex. App. LEXIS 2119
Court of Appeals of Texas·Decided February 25, 2014·No. 14-12-00542-CV·Published·Cited by 18 cases

Opinion

OPINION

KEM THOMPSON FROST, Chief Justice.

This is an appeal from a summary-judgment dismissal of a wrongful-foreclosure claim, among others. The main issue on appeal centers on proof of statutory notice of the foreclosure sale and whether there is a fact issue as to the existence of a defect in the foreclosure-sale proceedings. Because we conclude the trial court erred in granting summary judgment as to the wrongful-foreclosure claim, we reverse and remand as to that claim. We affirm the remainder of the trial court’s judgment.

I. Factual and Procedural Background

Appellants/Plaintiffs Eleftherios Kaldis, a/k/a Ted Kaldis, and Monica Kaldis owned the real property at 2920 Pasadena Boulevard in Pasadena, Texas (the “Property”). In July 2007, the Kaldises executed a promissory note and deed of trust securing the note with a deed-of-trust lien on the Property. The Kaldises defaulted on the note. The mortgage servicer, appellee/de-fendant Aurora Loan Services gave notice of default and acceleration and began foreclosure proceedings against the Property. In July 2008, Aurora gave the Kaldises the opportunity to enter into a Special Forbearance Agreement (“Forebearance Agreement”). Although Aurora argues that the Kaldises did not timely take the steps necessary to enter into this agreement, the Kaldises assert that they entered into it and that Aurora ratified their acceptance of the Forbearance Agreement. Presuming that the Forbearance Agreement was accepted, the Kaldises’ next payment was due on October 1, 2008. The Kaldises assert that they made this payment when their insurer sent a check for Hurricane Ike damage to Aurora.

Aurora decided to proceed with a November 4, 2008 foreclosure sale on the Property. Aurora asserts that written notice of foreclosure was properly served on the Kaldises by certified mail, but the Kal-dises dispute this assertion and claim that they did not receive this foreclosure notice by certified mail or otherwise.

Following a nonjudicial foreclosure sale of the Property, Aurora filed an Appointment of Substitute Trustee and Substitute Trustee’s Deed in the Harris County real property records. After the Kaldises re *731 fused to vacate the Property, Aurora initiated a forcible-entry-and-detainer action. Aurora obtained a judgment in its favor 1 in the forcible-detainer action but did not enforce it until after the trial court rendered its summary judgment in the case under review.

In the trial court, the Kaldises filed suit against Aurora, asserting claims for (1) wrongful foreclosure and related declaratory relief, (2) wrongful eviction and related declaratory relief, (8) breach of contract, (4) fraud, and (5) usury.

Aurora filed a motion for summary judgment, asserting the following grounds:

(1) as a matter of law, the summary judgment evidence shows that there were no defects in the foreclosure proceedings and therefore the wrongful-foreclosure claim fails as a matter of law;
(2) there is no evidence of any defect in the foreclosure proceedings and therefore the wrongful-foreclosure claim fails as a matter of law;
(3) as a matter of law, the summary judgment evidence shows that the Kal-dises have not been evicted from the Property and therefore the wrongful-eviction claim fails as a matter of law;
(4) there is no evidence that the Kaldis-es have been evicted from the Property and therefore the wrongful-eviction claim fails as a matter of law
(5) there is no evidence of the essential elements of the breach-of-contract claim;
(6) there is no evidence of the essential elements of the fraud claim;
(7) the claims for declaratory relief fail because the related claims for wrongful-foreclosure and wrongful-eviction fail; and
(8)there is no evidence of the essential elements of the usury claim.

The trial court granted Aurora’s summary-judgment motion and dismissed all of the Kaldises’ claims with prejudice.

II.Issues Presented

On appeal, the Kaldises assert the following issues: (1) the trial court erred in granting a traditional and no-evidence summary judgment as to the wrongful-foreclosure claim; (2) the trial court erred in granting a no-evidence summary judgment as to the breach-of-contract, fraud, and usury claims; (3) fact issues exist precluding summary judgment; (4) the trial court erred in granting summary judgment while the Kaldises’ motion to compel production of documents was pending; (5) the trial court erred in denying the Kaldis-es’ motion to compel production of documents; (6) the trial court erred by including dismissal with prejudice language in its summary-judgment order; and (7) the trial court erred by denying the Kaldises’ motion to set supersedeas bond.

III.Analysis

A. Did the trial court err in granting summary judgment as to the claims for wrongful foreclosure and related declaratory relief?

In a traditional motion for summary judgment, if the movant’s motion and summary-judgment evidence facially establish its right to judgment as a matter of law, the burden shifts to the nonmovant to raise a genuine, material fact issue sufficient to defeat summary judgment. M.D. Anderson Hosp. & Tumor Inst. v. Willrich, 28 S.W.3d 22, 23 (Tex.2000). In reviewing a no-evidence summary judgment, *732 this court ascertains whether the nonmov-ant pointed out summary-judgment evidence raising a genuine issue of fact as to the essential elements attacked in the no-evidence motion. Johnson v. Brewer & Pritchard, P.C., 73 S.W.3d 193, 206-08 (Tex.2002). In our de novo review of a trial court’s summary judgment, this court considers all the evidence in the light most favorable to the nonmovant, crediting evidence favorable to the nonmovant if reasonable jurors could, and disregarding contrary evidence unless reasonable jurors could not. Mack Trucks, Inc. v. Tamez, 206 S.W.3d 572, 582 (Tex.2006). The evidence raises a genuine issue of fact if reasonable and fair-minded jurors could differ in their conclusions in light of all of the summary-judgment evidence. Goodyear Tire & Rubber Co. v. Mayes, 236 S.W.3d 754, 755 (Tex.2007). When, as in this case, the order granting summary judgment does not specify the grounds upon which the trial court relied, the summary judgment must be affirmed if any of the independent summary-judgment grounds is meritorious. FM Props. Operating Co. v. City of Austin, 22 S.W.3d 868, 872 (Tex.2000).

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Eleftherios Kaldis AKA Ted Kaldis and Monica Kaldis v. Aurora Loan Services, 424 S.W.3d 729, 2014 WL 715019, 2014 Tex. App. LEXIS 2119 (Tex. Ct. App. 2014).

424 S.W.3d 729 (Eleftherios Kaldis AKA Ted Kaldis and Monica Kaldis v. Aurora Loan Services) — published by Counsel Stack Legal Research, free access to 12M+ legal documents.

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