Federal National Mortgage Association v. Ron Carbo

CourtMississippi Supreme Court
DecidedJune 12, 2025
Docket2024-CA-00277-SCT
StatusPublished

This text of Federal National Mortgage Association v. Ron Carbo (Federal National Mortgage Association v. Ron Carbo) is published on Counsel Stack Legal Research, covering Mississippi Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Federal National Mortgage Association v. Ron Carbo, (Mich. 2025).

Opinion

IN THE SUPREME COURT OF MISSISSIPPI

NO. 2024-CA-00277-SCT

FEDERAL NATIONAL MORTGAGE ASSOCIATION

v.

RON CARBO

DATE OF JUDGMENT: 02/06/2024 TRIAL JUDGE: HON. ELEANOR JOHNSON PETERSON TRIAL COURT ATTORNEYS: ERIC CHRISTOPHER MILLER PETER LAWRENCE LUBLIN AMANDA McGREGOR BECKETT CODY WILLIAM GIBSON CORY PATRICK SIMS TRENT L. WALKER COURT FROM WHICH APPEALED: HINDS COUNTY CIRCUIT COURT ATTORNEYS FOR APPELLANT: PETER LAWRENCE LUBLIN AMANDA McGREGOR BECKETT ATTORNEY FOR APPELLEE: CODY WILLIAM GIBSON NATURE OF THE CASE: CIVIL - REAL PROPERTY DISPOSITION: AFFIRMED - 06/12/2025 MOTION FOR REHEARING FILED:

BEFORE COLEMAN, P.J., CHAMBERLIN AND GRIFFIS, JJ.

COLEMAN, PRESIDING JUSTICE, FOR THE COURT:

¶1. A mortgage-holder foreclosed on Ron Carbo’s home after he defaulted on the

conditions of his mortgage note and deed of trust. After purchasing the home in a

foreclosure sale, Federal National Mortgage Association filed suit in 2010 to evict Carbo and

for back rent in the Hinds County County Court. The Association sold the property in 2012,

and the current owner is Mariners Pac Ventures, LLC. In 2020, the Association attempted to substitute Mariners as plaintiff, but the county court denied the motion. The county court

then granted Carbo’s motion to dismiss, citing the Association’s lack of standing. The

Association appealed to the Hinds County Circuit Court, which affirmed the county court’s

judgments. The Association then appealed. Finding no error, we affirm the judgments of

the county and circuit courts.

FACTS

¶2. After Carbo defaulted on the terms and conditions of a mortgage note and deed of

trust on his home, the mortgage-holder foreclosed on the property. Carbo, however, failed

to vacate, and on June 21, 2010, the Association purchased the property at a foreclosure sale.

The Association obtained a Substitute Trustee’s Deed.

¶3. On July 30, 2010, the Association filed an eviction complaint against Carbo, alleging

that Carbo failed to vacate the premises after a foreclosure of the mortgage lien. Carbo

answered the complaint on December 8, 2010, and asserted multiple counterclaims. The

county court dismissed Carbo’s counterclaims on December 17, 2014, for failure to

prosecute, failure to respond to discovery requests, and failure to comply with court orders.

¶4. The Association later sold the property to Ally Bank via a quitclaim deed on January

27, 2012, which was properly recorded. After selling the property, the Association filed a

second lawsuit in the County Court of the Second Judicial District of Hinds County against

Carbo for possession and back rent on May 22, 2015. The lawsuit was dismissed with

prejudice on December 30, 2015, by an agreed order between the parties due to the

2 Association’s lack of standing since the Association sold the property in January 2012,

terminating all of its rights and interest in the property.

¶5. On May 24, 2017, Ally Bank sold the property to ResCap Securities Holdings, Co.

(ResCap), via quitclaim deed, which was also properly recorded. Then, in February 2018,

ResCap sold the property to the current owner, Mariners, via quitclaim deed, which was also

properly recorded. Mariners brought three lawsuits against Carbo in Hinds County Chancery

Court seeking eviction and back rent, filed May 3, 2018, October 23, 2018, and April 9,

2019. All three lawsuits were dismissed without prejudice for “procedural issues, duplicative

of actions, and other things.”

¶6. Nearly ten years after the Association filed its initial lawsuit (current lawsuit), the

Association filed its first motion to substitute Mariners as plaintiff on May 18, 2020. After

venue was transferred to the County Court of the Second Judicial District of Hinds County,

the Association renewed its motion to substitute parties, which sought to have Mariners, as

the current interest holder of the property, substituted as the plaintiff in the current lawsuit.

Carbo opposed the motion, however, arguing that it was untimely and that the Association

had filed duplicate lawsuits.

¶7. At the hearing on the Association’s motion to substitute, the county court noted it was

more reasonable to continue with the named plaintiff when the matter was filed, the

Association. Thus, the county court found the Association’s motion “not well-taken” and

denied it.

3 ¶8. Carbo then filed a motion to dismiss, arguing that the Association lacked standing

because it retained no interest in the property since it no longer owned it. At the hearing on

Carbo’s motion to dismiss, the county court again considered the issue of mootness and the

previous identical lawsuits. The county court granted Carbo’s motion to dismiss, dismissing

both the Association as a party and the lawsuit.

¶9. The Association appealed the county court’s denial of its motion to substitute parties

and the county court’s granting of Carbo’s motion to dismiss to the Circuit Court of the

Second Judicial District of Hinds County. The circuit court affirmed both of the county

court’s judgments. It found that the county court “applied the proper legal standard and its

decision was reasonable in light of the facts and procedural history of this case.”

Specifically, it concluded that allowing the original plaintiff, the Association, to continue as

the plaintiff was reasonable and proper and that res judicata barred the Association’s claims.

The Association subsequently filed the current appeal.

¶10. Carbo responded by filing another motion to dismiss in our Court, arguing: (1) that

the Association lacks standing since it no longer owns the property and (2) that the lawsuit

is moot. We deny Carbo’s motion to dismiss, and we conclude that the Association has

standing to appeal the county and circuit court’s judgments since the appeal involves the

denial of the Association’s motion to substitute the current property owners, Mariners.

Indeed, a ruling on the merits of the motion to substitute would be a benefit to the

Association and would not be a detriment to Carbo, rendering the lawsuit not moot. Gamma

4 Healthcare Inc. v. Est. of Grantham, 334 So. 3d 85, 87 (¶ 2) (Miss. 2022). Below, we will

address each claim.

STANDARD OF REVIEW

¶11. Determining whether to grant or deny a motion to substitute is generally discretionary.

Citizens Nat’l Bank, LLC v. Dixieland Forest Prods., LLC, 935 So. 2d 1004, 1008 (¶ 13)

(Miss. 2006). When our Court reviews a decision that is within the trial court’s discretion,

we first ask whether the trial court applied the correct legal standard. Id. If it did, we then

consider “whether the decision was one of several reasonable ones which could have been

made.” Id. (internal quotation mark omitted) (quoting Amiker v. Drugs For Less, Inc., 796

So. 2d 942, 948 (Miss. 2000)). Our Court will affirm the trial court’s decision “unless there

is a ‘definite and firm conviction that the court below committed a clear error of judgment

in the conclusion it reached upon weighing the relevant factors.’” Id. (quoting Amiker, 796

So. 2d at 948 (¶ 24)). When reviewing a trial court’s grant or denial of a motion to dismiss,

we apply a de novo standard of review. Sweet Valley Missionary Baptist Church v. Alfa Ins.

Corp., 124 So.

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