In re: Debbie Reid O'Gorman

United States Bankruptcy Appellate Panel for the Ninth Circuit·Decided March 6, 2024·No. 23-1043·Unpublished

Opinion

NOT FOR PUBLICATION FILED MAR 6 2024

UNITED STATES BANKRUPTCY APPELLATE PANEL SUSAN M. SPRAUL, CLERK

OF THE NINTH CIRCUIT U.S. BKCY. APP. PANEL OF THE NINTH CIRCUIT

In re: BAP No. NC-23-1043-BSG DEBBIE REID O'GORMAN, Debtor. Bk. No. 21-10374-RLE

GRANT REYNOLDS REVOCABLE LIVING TRUST, Appellant,

v. MEMORANDUM∗ TIMOTHY W. HOFFMAN, Chapter 7 Trustee, Appellee.

Appeal from the United States Bankruptcy Court for the Northern District of California Roger L. Efremsky, Bankruptcy Judge, Presiding

Before: BRAND, SPRAKER, and GAN, Bankruptcy Judges.

INTRODUCTION

Appellant, the Grant Reynolds Revocable Living Trust, appeals an order sustaining the chapter 7 1 trustee's objection to the trust's secured claim filed by Grant Reynolds, the trustee of the trust.2 The bankruptcy court determined ∗ This disposition is not appropriate for publication. Although it may be cited for

whatever persuasive value it may have, see Fed. R. App. P. 32.1, it has no precedential value, see 9th Cir. BAP Rule 8024-1.

1 Unless specified otherwise, all chapter and section references are to the Bankruptcy

Code, 11 U.S.C. §§ 101-1532, and all "Rule" references are to the Federal Rules of Bankruptcy Procedure.

2 We refer to the trust and Mr. Reynolds as "Reynolds."

that Reynolds failed to prove a secured claim in any amount and disallowed the claim in its entirety. Seeing no reversible error, we AFFIRM.3 FACTS

A. Events leading to Reynolds's claim Debtor Debbie Reid O'Gorman held title to real property in Calistoga, California ("Property"). At one point, O'Gorman believed that the City of Calistoga had violated her water rights. In 2007, Reynolds began researching the matter for which O'Gorman paid him $5,000 per month "for many months."

Deciding to pursue litigation, on January 1, 2008, O'Gorman, Matthew Hickerson (her significant other), and Jeffrey Bounsall entered into an agreement that they would share in any recovery from the water rights litigation ("2008 Agreement"). The 2008 Agreement stated that O'Gorman and Hickerson paid Reynolds $5,500 to further investigate the water rights claims and that Bounsall had to either contribute his 49% share of Reynolds's fee ($2,695) or reimburse O'Gorman and Hickerson for the $5,500.

On June 1, 2010, O'Gorman signed a promissory note ("2010 Note") and a second deed of trust ("2010 DOT") in favor of Reynolds (together, the "2010 Note and DOT"). The 2010 Note provided that O'Gorman, "for value received," promised to pay Reynolds $4 million together with interest at 3% in

3 Prior to oral argument scheduled for September 28, 2023, the parties requested a 60-day continuance to finalize a proposed settlement, which the Panel granted, and the matter was taken off calendar. Ultimately, settlement negotiations failed. However, we conclude that this case is suitable for decision without oral argument. See 9th Cir. BAP Rule 8019-1.

one lump sum on June 1, 2015. The 2010 Note was secured by the 2010 DOT against the Property. The 2010 DOT stated that it was for the purpose of securing the payment of $4 million made by Reynolds to O'Gorman, and any additional sums loaned to O'Gorman when evidenced by a promissory note stating that it was secured by the 2010 DOT. Reynolds never lent $4 million to O'Gorman.

In 2012, O'Gorman wrote a letter to Reynolds ("2012 Letter")

acknowledging that he had "not been paid in quite a while" and that he had to mortgage his home to continue funding the water rights litigation. O'Gorman promised Reynolds that he would be reimbursed once everything was over and that the amount owed would be secured by the 2010 DOT.

In 2013, Reynolds, O'Gorman, Hickerson, and the Kinnamans (assignees of Bounsall) signed an agreement ("2013 Proceeds Agreement") which provided that the parties would share any recovery in the water rights litigation as follows: one third to O'Gorman and Hickerson; one third to Reynolds; and one third to the Kinnamans.

The plaintiffs were unsuccessful in the water rights litigation; the City of Calistoga prevailed.

In 2019 and 2020, to prevent Mr. Cooper, the first lienholder, from foreclosing on the Property, Reynolds cured O'Gorman's defaults on her indebtedness to Mr. Cooper totaling approximately $180,000. O'Gorman does not dispute that Reynolds paid at least this amount to Mr. Cooper on her behalf. During this time, and unbeknownst to Reynolds or Mr. Cooper,

O'Gorman transferred her interest in the Property into an irrevocable trust to prevent Reynolds from completing the foreclosure he commenced in 2020.

O'Gorman filed a chapter 7 bankruptcy case on August 19, 2021.

Timothy W. Hoffman ("Trustee") was appointed as the chapter 7 trustee. O'Gorman valued the Property at $2.9 to $3 million, which was subject to Mr. Cooper's lien for $800,000. O'Gorman scheduled Reynolds as a secured creditor but disputed his alleged secured claim for $1.5 million.

Despite receiving notice of O'Gorman's chapter 7 filing, Reynolds proceeded with a foreclosure sale for the Property on August 20, 2021. He was the successful bidder with a credit bid of $1,499,414.78. B. The claim objection Reynolds filed a $1,493,674.13 secured proof of claim for what he described as "services performed, money loaned." Attached were copies of the 2010 Note and DOT and the assignment of both documents from Mr. Reynolds to his trust.

Trustee objected to Reynolds's secured claim in its entirety. He argued that the 2010 Note and DOT did not reference any agreement to render services as Reynolds contended, or to any obligation other than the $4 million loan that was never made. Although Reynolds asserted that O'Gorman was obligated to pay him $5,500 per month for providing years of services in the water rights litigation, he produced no written agreement evidencing that obligation. And other than the 2010 Note, argued Trustee, there were no additional notes that could be secured by the 2010 DOT. While the 2012 Letter

acknowledged an unpaid debt to Reynolds that would be secured by the 2010 DOT, O'Gorman did not quantify its amount, the basis for the debt, or the source for repayment. Finally, Trustee argued that the 2013 Proceeds Agreement could not be the basis for any claim, because the water rights litigation did not result in any recovery.

Reynolds opposed Trustee's claim objection. He contended that the 2010 Note and DOT functioned like an attorney's charging lien and was not a loan. Reynolds argued that O'Gorman owed him for various debts which he contended were secured by the 2010 DOT, including: (1) $774,411.05 for his litigation services ($5,500 per month @ 3% interest for 10 years); (2) $200,000 for the loan he took out to pay Mr. Cooper; (3) $274,000 for his income taxes due going forward from September 2012; and (4) $16,100 for property tax payments he made on O'Gorman's behalf.

Reynolds explained that he was paid under the terms of the 2008 Agreement – $5,500 per month – for his services in the water rights litigation for 2008 and 2009. In late 2009, when O'Gorman could no longer pay her share of his fees going forward and the other investors refused to contribute their share, Reynolds and O'Gorman executed the 2010 Note and DOT, which he maintained was a guarantee for reimbursement under the 2008 Agreement and any damages that he might suffer in the water rights litigation. Reynolds contended that the 2012 Letter was O'Gorman's acknowledgement that he would be reimbursed for what he was owed and that he could continue using the 2010 Note and DOT as collateral. Reynolds explained that the parties

drafted the 2013 Proceeds Agreement because O'Gorman was to undergo an operation that she might not survive.

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