Gifty Samuels v. Wilmington Savings Fund

CourtBankruptcy Appellate Panel of the First Circuit
DecidedNovember 19, 2019
DocketBAP No. MB 19-003
StatusUnpublished

This text of Gifty Samuels v. Wilmington Savings Fund (Gifty Samuels v. Wilmington Savings Fund) is published on Counsel Stack Legal Research, covering Bankruptcy Appellate Panel of the First Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Gifty Samuels v. Wilmington Savings Fund, (bap1 2019).

Opinion

NOT FOR PUBLICATION

UNITED STATES BANKRUPTCY APPELLATE PANEL FOR THE FIRST CIRCUIT _______________________________

BAP NO. MB 19-003 _______________________________

Bankruptcy Case No. 18-10543-FJB _______________________________

GIFTY R. SAMUELS, Debtor. _______________________________

GIFTY R. SAMUELS, Appellant,

v.

WILMINGTON SAVINGS FUND SOCIETY, FSB, and DEUTSCHE BANK NATIONAL TRUST COMPANY, as Trustee for Argent Securities Inc., Asset-Backed Pass-Through Certificates, Series 2005-W3, Appellees. _________________________________

Appeal from the United States Bankruptcy Court for the District of Massachusetts (Hon. Frank J. Bailey, U.S. Bankruptcy Judge) _______________________________

Before Lamoutte, Cary, and Fagone, United States Bankruptcy Appellate Panel Judges. _______________________________

David G. Baker, Esq., on brief for Appellant. Jason J. Giguere, Esq., on brief for Appellee, Wilmington Savings Fund Society, FSB. Marcus E. Pratt, Esq., on brief for Appellee, Deutsche Bank National Trust Company. _________________________________

November 19, 2019 _________________________________ Lamoutte, U.S. Bankruptcy Appellate Panel Judge.

Gifty Samuels (the “Debtor”) appeals from two bankruptcy court orders: (1) the order

(the “Order Denying Confirmation”) denying confirmation of her Third Amended Chapter 11

Plan of Reorganization (the “Third Amended Plan”); and (2) the order (the “Dismissal Order”)

dismissing her bankruptcy case for cause under § 1112(b) due to her: (a) failure to confirm a plan

within a reasonable period of time; and (b) inability to propose a confirmable plan.1 While this

appeal was pending, a mortgage lien creditor foreclosed on one of the Debtor’s properties.

For the reasons set forth below, we conclude that the foreclosure sale of the Debtor’s

property has rendered the appeal of the Order Denying Confirmation MOOT. We also conclude

that the bankruptcy court did not err in dismissing the Debtor’s bankruptcy case. Therefore, we

DISMISS the appeal of the Order Denying Confirmation and AFFIRM the Dismissal Order.

BACKGROUND

I. Bankruptcy Proceedings

The Debtor filed a chapter 11 petition in February 2018. On her bankruptcy schedules,

the Debtor listed two parcels of real estate located in Lynn, Massachusetts (collectively, the

“Properties”), which she valued at $283,100 (“First Property”) and $389,500 (“Second

Property”). She listed only two secured creditors: Deutsche Bank National Trust Company, as

Trustee for Argent Securities Inc., Asset-Backed Pass-Through Certificates, Series 2005-W3

(“Deutsche Bank”), and Wilmington Savings Fund Society, FSB (“Wilmington”).2

Deutsche Bank filed a proof of claim in the approximate amount of $590,000, including

about $356,000 in pre-petition arrears, secured by a mortgage on the First Property.

1 Unless expressly stated otherwise, all references to “Bankruptcy Code” or to specific statutory sections are to the Bankruptcy Reform Act of 1978, as amended, 11 U.S.C. §§ 101, et seq. 2 Wilmington and Deutsche Bank are sometimes referred to collectively as the “Appellees.” 2 Wilmington filed a proof of claim in the approximate amount of $780,000, including about

$300,000 in pre-petition arrears, secured by a mortgage on the Second Property.

A. The Plans of Reorganization

During the course of the bankruptcy proceedings, which lasted almost a year, the Debtor

filed five versions of a plan of reorganization. In each plan, including the Third Amended Plan

at issue in this appeal, the Debtor proposed to bifurcate the Appellees’ respective claims into

secured claims equal to the amounts of her asserted values of the properties securing them and

unsecured claims for the remainder. She proposed to pay the secured claims over a period of at

least 18 years, and pay the Appellees’ deficiency claims (which she placed in a different class

from other general unsecured creditors) as balloon payments after the secured claims were paid

in full. The Debtor indicated that all renditions of the plan were to be funded from her

employment income as a health care aide and rental income from the Properties. The Appellees

objected to each version of the plan on numerous grounds, including lack of feasibility under

§ 1129(a)(11) and failure to obtain the consent of an impaired class as required under

§ 1129(a)(10).3

After a confirmation hearing on the Third Amended Plan—which was the only plan

presented for confirmation—the bankruptcy court entered the Order Denying Confirmation. The

bankruptcy court cited numerous grounds for denying confirmation, including the Debtor’s

3 Under § 1129(a)(10), a plan which impairs a class of claims cannot be confirmed unless “at least one class of claims that is impaired under the plan has accepted the plan . . . .” See 11 U.S.C. § 1129(a)(10); see also U.S. Bank N.A. v. Vill. at Lakeridge, LLC, 138 S. Ct. 960, 963 (2018). The so-called “feasibility test” set forth in § 1129(a)(11) requires plan proponents to establish that “[c]onfirmation of the plan is not likely to be followed by the liquidation, or the need for further financial reorganization, of the debtor or any successor to the debtor under the plan, unless such liquidation or reorganization is proposed in the plan.” 11 U.S.C. § 1129(a)(11); see also In re Charles St. African Methodist Episcopal Church of Bos., 578 B.R. 56, 103 (Bankr. D. Mass. 2017).

3 failure to: (1) obtain a consenting impaired class as required by § 1129(a)(10); (2) properly value

the Second Property securing Wilmington’s claim; (3) offer evidence to support her proposed

interest rate for the Appellees’ secured claims; and (4) demonstrate feasibility as required by

§ 1129(a)(11). In denying confirmation, the bankruptcy court rejected the Debtor’s argument

that the class of general unsecured claims (other than the Appellees’ deficiency claims) should be

deemed to have accepted the plan because no creditor in that class voted to reject the plan or

filed an objection to confirmation.

B. Show Cause Order and Motion to Dismiss

About a month later, the bankruptcy court directed the Debtor to show cause (“Show

Cause Order”) why the case should not be dismissed due to: (1) her failure to confirm a plan

within a reasonable time; and (2) her inability to propose a confirmable plan. The bankruptcy

court noted that the Debtor had filed four renditions of a plan of reorganization, and that

confirmation of the Third Amended Plan had been denied “on numerous bases that it appears

that she cannot overcome . . . .” Shortly thereafter, the Appellees filed a joint motion to dismiss

the case for cause under § 1112(b) (the “Motion to Dismiss”) as a result of the Debtor’s undue

delay that was prejudicial to creditors and because there was no likelihood that a plan would be

confirmed within a reasonable time.

In both her response to the Show Cause Order and her objection to the Motion to

Dismiss, the Debtor argued that the bankruptcy court had erred in denying confirmation of the

Third Amended Plan because, among other things, acceptance of the plan by an impaired

unsecured class could be inferred from the creditors’ failure to vote.

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