Grudzinskas v. Homeside Lending, Inc.

345 F. Supp. 2d 633, 2004 U.S. Dist. LEXIS 23589, 2004 WL 2651255
CourtDistrict Court, S.D. Mississippi
DecidedJanuary 9, 2004
Docket3:00-cv-00556
StatusPublished

This text of 345 F. Supp. 2d 633 (Grudzinskas v. Homeside Lending, Inc.) is published on Counsel Stack Legal Research, covering District Court, S.D. Mississippi primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Grudzinskas v. Homeside Lending, Inc., 345 F. Supp. 2d 633, 2004 U.S. Dist. LEXIS 23589, 2004 WL 2651255 (S.D. Miss. 2004).

Opinion

MEMORANDUM OPINION AND ORDER

WINGATE, District Judge.

Before this court are the motions for summary judgment submitted by defendants Homeside Lending, Inc. (“Home-side”); J. Gary Massey (“Massey”); James E. Lambert, Attorney-at-Law, (“Lambert”); and separately by the defendant J. Tayloe Simmons, Attorney-at-Law. By their motions, all pursued under Rules 56(b) 1 and (c), 2 Federal Rules of Civil Pro *635 cedure, these defendants ask this court to award them a judgment against plaintiff, Gerald L. Grudzinskas, (“Grudzinskas”) because, say defendants, plaintiffs complaint has neither a legal nor any factual basis. Thus, relying upon the teachings of Celotex Corporation v. Catrett, 477 U.S. 317, 106 S.Ct. 2548, 91 L.Ed.2d 265 (1986), and its progeny, the defendants ask this court to dismiss plaintiffs complaint in its entirety.

This lawsuit is one of several actions taken by the plaintiff Gerald L. Grudzins-kas to prevent a judicial foreclosure against his former homestead located at 320 Hebron Hill Drive, Brandon, Mississippi. Plaintiff initiated an action in the United States Bankruptcy Court for the Southern District of Mississippi; purported to appeal the dismissal of his bankruptcy action to the United States Court of Appeals for the Fifth Circuit; and filed a related lawsuit and the instant lawsuit before the United States District Court for the Southern District of Mississippi; all in an unsuccessful attempt to thwart the judicial foreclosure filed by defendants Home-side and Massey, Substituted Trustee in the Chancery Court of Rankin County, Mississippi.

Plaintiffs pro se complaint urges this court to intervene and remove the judicial foreclosure case from the Chancery Court of Rankin County, Mississippi, to this court, and to enjoin the foreclosure sale. According to plaintiffs complaint, defendants have violated the plaintiffs constitutional right to equal protection; breached a contract; collected multiple benefits by using falsified documents and non-existent addresses “on the plaintiffs Veterans and Disability entitlements;” acted under color of law to deprive the plaintiff of his constitutional rights; embezzled, stolen, and defrauded; inflicted intentional emotional distress; violated the Truth-in-Lending Act; violated the Consumer Protection Act; and engaged in deceptive trade practices, racketeering and civil conspiracy.

Although plaintiff is “pro se,” plaintiff relies upon his “Attorney-in-fact,” J. Carl Wilson. Wilson is the plaintiffs son-in-law, who persists, in spite of having been told by other courts to cease his “representation,” in trying to serve as plaintiffs legal counsel. Plaintiff has submitted no evidence to show that he is suffering from any mental incapacity that would prevent him from pursuing this cause of action in his own right. Neither has plaintiff shown that anyone has been authorized to act in his place by legal document and/or any other court authority.

Plaintiff Gerald L. Grudzinskas personally made one early appearance in this court in regard to the motion to stay the Rankin County Chancery Court proceeding and has made no other appearance herein. J. Carl Wilson has made a number of personal appearances in this court claiming to be the duly appointed and authorized representative of Grudzinskas. This court continually has admonished J. Carl Wilson to cease attempts to represent Grudzinskas before this court. This court continually has admonished J. Carl Wilson *636 to cease the act of signing pleadings filed in this civil action fon and on behalf of Grudzinskas. This court, as at least two others, has found that the actions of the plaintiffs son-in-law J. Carl Wilson constitute the unauthorized practice of law in the State of Mississippi.

Relative to plaintiffs claims and defendants’ attacks on such, this court is persuaded that all of plaintiffs claims are unfounded. Accordingly, this court grants defendants’ motion for summary judgment and fully and finally dismisses this action. The court’s reasoning is set out below.

I. FACTUAL BACKGROUND FOR THE INSTANT ACTION

A. The Deed Of Trust

On February 19, 1987, plaintiff Grud-zinskas and his then wife, Isabel Grudzins-kas, executed and delivered a Deed of Trust Note (promissory note) on a standard Veteran’s Administration form evidencing an indebtedness to Rankin County Bank in the sum of $80,000.00. That same day of February 19, 1987, the pair secured the Deed of Trust Note by executing and delivering a Deed of Trust in favor of Rankin County Bank. The Deed of Trust also was on a standard Veteran’s Administration form for deeds of trust.

The Deed of Trust was signed by both Mr. and Mrs. Grudzinskas before a duly authorized and acting notary public, whose acknowledgment is on the recorded instrument. The document then was filed for record in the office of the Chancery Clerk of Rankin County at Brandon, Mississippi, being recorded in Deed of Trust Book 601 at page 397. The Deed of Trust pledged the Grudzinskas’ homestead as collateral for the loan. The real property is legally described as Lot 32, Hebron Hill Subdivision, recorded in Plat Cabinet B at Slot 1, Rankin County, Mississippi. At the time the mortgage loan was made to Grudzins-kas and his wife, the real property was commonly known as 144 Hebron Hill, Brandon, Mississippi. At sometime subsequent to the making of the mortgage loan, the real property address was changed by the United States Post Office from 144 Hebron Hill to 320 Hebron Hill Drive. So, the real property now is known as 320 Hebron Hill Drive, Brandon, MS 39042.

On February 27, 1987, Rankin County Bank sold the indebtedness owed by Grud-zinskas and his wife to Mortgage Corporation of the South and assigned the Deed of Trust which secured the Deed of Trust Note to Mortgage Corporation of the South by instrument recorded in the office of the Chancery Clerk of Rankin County at Brandon, Mississippi, in Deed of Trust Book 603 at page 169. Mortgage Corporation of the South later merged with BancBoston Mortgage Corporation. This corporation subsequently merged with the defendant Homeside. Homeside is now the owner and holder of the Deed of Trust Note and Deed of Trust executed by Grudzinskas and his wife.

B. The Judicial Foreclosure

Although Mr. And Mrs. Grudzinskas made their mortgage payments from April 1, 1987, to December 1,1997, they made no mortgage payments from December 1, 1997, to the date of the judicial foreclosure authorized by the Rankin County Chancery Court. Nevertheless, they continued to reside in the real property located at 320 Hebron Hill Drive, Brandon, Mississippi.

On April 27, 1998, Homeside gave its first notice of foreclosure by certified mail to the Grudzinskases. Additionally, by letter dated June 2, 1998, Massey, the Substituted Trustee, gave the Grudzinskases notice of the beginning of foreclosure procedures, including the principal balance due on the loan and the amount necessary *637 to bring the loan current.

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Bluebook (online)
345 F. Supp. 2d 633, 2004 U.S. Dist. LEXIS 23589, 2004 WL 2651255, Counsel Stack Legal Research, https://law.counselstack.com/opinion/grudzinskas-v-homeside-lending-inc-mssd-2004.