FIRST FEDERAL SAV. AND LOAN ASS'N v. Blake

465 So. 2d 914
CourtLouisiana Court of Appeal
DecidedFebruary 27, 1985
Docket16813-CA
StatusPublished
Cited by6 cases

This text of 465 So. 2d 914 (FIRST FEDERAL SAV. AND LOAN ASS'N v. Blake) is published on Counsel Stack Legal Research, covering Louisiana Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
FIRST FEDERAL SAV. AND LOAN ASS'N v. Blake, 465 So. 2d 914 (La. Ct. App. 1985).

Opinion

465 So.2d 914 (1985)

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF WINNFIELD, Plaintiff-Appellee,
v.
Bobby G. BLAKE and Mrs. Pam James Blake, Defendant-Appellant.

No. 16813-CA.

Court of Appeal of Louisiana, Second Circuit.

February 27, 1985.
Rehearing Denied March 27, 1985.
Writ Denied May 31, 1985.

*916 Jack D. Barnett, Shreveport, for defendant-appellant.

Gold, Little, Simon, Weems & Bruser by Donald Sharp, Alexandria, for plaintiff-appellee.

Before MARVIN and SEXTON, JJ., and PRICE, J. Pro Tem.

PRICE, Judge Pro Tem.

Plaintiff, Bobby G. Blake, appeals the judgment of the trial court in favor of defendants, First Federal Savings and Loan Association of Winnfield (hereinafter referred to as First Federal) and Pam James Blake, in his action to nullify a sheriff's sale of real property. We affirm the judgment of the trial court for the following reasons.

From the facts it appears that plaintiff and defendant, Pam Blake, executed a promissory note for $16,000.00 in favor of First Federal on February 4, 1976 to finance the purchase of their family home located in Dunn Subdivision in Winnfield, Louisiana. The note provided for monthly installments commencing on March 4, 1976 in the amount of $144.00. To secure payment on the note, the Blakes granted a mortgage on the property in favor of First Federal. In September, 1977, the Blakes separated and plaintiff moved from the matrimonial domicile. Pam Blake continued to reside in the home with the two minor children of the marriage. On November 18, 1977, pursuant to separation proceedings between the parties, Pam Blake was granted custody of the children and awarded $400.00 per month as alimony pendente lite and child support. The house payment was listed in Pam Blake's affidavit of expenses. Plaintiff remained in Louisiana until approximately March 3, 1978, when he moved to Alaska.

On May 12, 1978, First Federal filed a petition for executory process alleging that the Blakes were more than one payment in arrears and indebted to petitioner in the amount of $15,554.17. First Federal alleged that in the act of mortgage, the Blakes confessed judgment on the note, consented to the seizure and sale of the mortgaged property under executory process if the note was not paid in accordance to its terms, waived the demand for payment prior to the seizure, and waived the benefit of appraisal prior to the judicial sale. First Federal further alleged that plaintiff was an absentee and that an attorney should be appointed to represent him.

The court appointed an attorney to represent plaintiff and a Writ of Seizure and Sale was issued. Notice of Seizure was served on Pam Blake through her attorney, James Womack, and the sheriff's return shows that plaintiff's notice was served on Billie Herd, the secretary of plaintiff's appointed attorney, Charles Bice. From the record it appears that the notice addressed to Pam Blake was served on Billie Herd and the notice addressed to plaintiff was served on James Womack.

The property was advertised and sold at a sheriff's sale on July 5, 1978. The property was purchased by Pam Blake, the highest bidder, for the sum of $5,000.00. From the record, it appears that while the costs of the sale were paid to the sheriff, Pam Blake did not pay the bid price to the sheriff. Rather, Pam Blake executed a mortgage in favor of First Federal. It does not appear from the record that First Federal has proceeded for a deficiency judgment.

On April 14, 1982, plaintiff filed the instant proceeding to declare the sale of the property null and void. Plaintiff alleged that Pam Blake had agreed to make the payments on the home. He further contends that the service of the notice of seizure *917 on both parties was defective and that the price bid was not paid.

At the trial on the merits, plaintiff testified that Pam Blake had agreed to make the payments on the house and he had given the payment book to her. Plaintiff testified that he did not recall receiving the majority of the delinquency notices sent to him by First Federal. Blake testified that he had no knowledge of the seizure until he saw an advertisement in a local paper which he received in Alaska. At that time he contacted Cass Moss, an official of First Federal. Blake testified that Moss told him that the property was to be sold and that bids would be started at $18,000.00. Blake testified that during a telephone conversation with Moss, he requested to pay off the loan and was told that he could not. Blake testified that he had never contacted First Federal prior to the seizure to ascertain the status of the account.

Pam Blake testified that she had never agreed to make the payments on the home when plaintiff gave her the payment book. She also testified that she had attempted to have the plaintiff enter into a property agreement which would have settled the status of the house before he left the state, but the plaintiff refused to sign the agreement. She further testified that she had spoken to plaintiff about possible foreclosure on the home before he moved to Alaska. Pam Blake only had temporary part-time employment and testified that her income was simply not sufficient to meet her expenses.

Cass Moss, an official of First Federal, testified that the Blake's account became delinquent approximately in January, 1978, and that letters notifying the Blakes of the delinquencies were mailed to them at different addresses. Moss testified that at the time of the sale there was an understanding between First Federal and Pam Blake that she would bid for the property and that First Federal would finance the purchase. Moss stated that he did not recall plaintiff's request to pay off the loan. Moss testified that the obligation was considered to be satisfied after the sheriff's sale and the signing of the subsequent notes.

Vera Smith, a civil deputy with the Winn Parish Sheriff's Department, testified that the only payments received by the sheriff's office as a result of the sale totalled $316.00, representing the amount of costs. Smith testified that it was not unusual procedure for the sheriff to collect only the costs and to allow the parties to handle the obligation directly between themselves as it relieved the sheriff of the responsibility of collecting that amount and eliminated a bookkeeping step.

After reviewing the evidence, the trial court denied plaintiff's demands. The court found that the notices of seizure were pre-printed forms containing blank spaces for pertinent information. By inadvertence, the notices were not served to the party to which it was addressed, but rather the notices were crossed. However, each notice contained all the necessary information relating to the seizure and sale. The court noted that Pam Blake had full knowledge of the pending sale and that any irregularity as to service on her was cured by her participation in the sale. Furthermore, the irregularities of service were informalities which prescribed after a lapse of two years from the sale. The court found that plaintiff's claim that Pam Blake had agreed to pay the house payments was without merit. Although the payment was listed in the affidavit of expenses, the court noted that there was no judicial order directing Pam Blake to make the payments and further, plaintiff did not timely pay the alimony pendente lite and child support. The court determined that while technically the price bid to the sheriff was not paid, that plaintiff, who knew of the delinquent account and impending sale, did not sustain any damage by the manner which was used.

On appeal the plaintiff asserts the following assignments of error:

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Bluebook (online)
465 So. 2d 914, Counsel Stack Legal Research, https://law.counselstack.com/opinion/first-federal-sav-and-loan-assn-v-blake-lactapp-1985.