In re: Vernon Harold May v. FIA Card Services, N.A.

United States Bankruptcy Court, W.D. Michigan·Decided June 25, 2010·No. 09-80323·Unknown

Opinion

UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MICHIGAN

In re: VERNON HAROLD MAY, Case No. DT 09-04644 Hon. Scott W. Dales Debtor. _________________________________/ FIA CARD SERVICES, N.A., Plaintiff, Adversary Proceeding No. 09-80323 v. VERNON HAROLD MAY, Defendant. _________________________________/

OPINION AND ORDER REGARDING ATTORNEY FEES

PRESENT: HONORABLE SCOTT W. DALES United States Bankruptcy Judge Following a bench trial on the complaint of Plaintiff FIA Card Services, N.A. against Debtor/Defendant Vernon May, the court determined that the Plaintiff’s claim to except its debt from discharge was not substantially justified and signed a judgment of no cause of action. In its opinion, the court indicated it would “consider awarding costs and a reasonable attorney’s fee under 11 U.S.C. § 523(d)” upon timely motion, but its judgment (signed before such a motion) did not award fees. The next day, Defendant’s counsel filed Defendant’s Motion for Attorney Fees and Costs, seeking an award of $3,784.47 (the “Motion,” DN 24). On the same day it filed its response to the Motion (the “Response,” DN 28), the Plaintiff also filed its Notice of Appeal (DN 29). The court set the Motion and the Response for hearing to be held in Traverse City, Michigan on June 22, 2010.

In its Response, the Plaintiff argues that “its position was substantially justified because the Congress of the United States determined that the Defendant’s debt was presumed to be non- dischargeable.” See Response at ¶ 1; see also 11 U.S.C. § 523(a)(2)(C)(i)(II) (presumption of non-dischargeability for cash advances aggregating more than $825 incurred within 70 days before order for relief). The court rejects this argument because the Defendant’s testimony

handily rebutted the presumption, and in any event, the presumption applied only to $1,977.00 of the $5,583.79 that the Plaintiff sought in this matter. The presumption did not affect the “risk of nonpersuasion,” Fed. R. Evid. 301, including the possibility that the court might conclude (as it did) that the case was not “substantially justified.”1 In other words, the court does not construe 11 U.S.C. § 523(a)(2)(C)(i)(II) as overriding 11 U.S.C. § 523(d). Indeed, Congress has already limited fee-shifting to cases involving exceptions to discharge of consumer debts under 11 U.S.C. § 523(a)(2); the court is not inclined to narrow it further, given the federal policy to

1 Bankruptcy courts generally award attorneys fees to prevailing debtors where, as here, the creditor requested a dischargeability determination under 11 U.S.C. § 523(a)(2); the debt is a “consumer debt”; and the court found the debt dischargeable. 4 COLLIER ON BANKRUPTCY ¶523.08[8] (16th ed.); see also Thorpe Credit, Inc. v. Carmen (In re Carmen), 723 F.2d 16, 16-18 (6th Cir. 1982) (prior version of statute); Swartz v. Strausbaugh (In re Strausbaugh), 376 B.R. 631, 636 (Bankr. S.D. Ohio 2007); Colabianchi v. Thomas (In re Thomas), 258 B.R. 167, 168 (Bankr. N.D. Ohio 2001); Firstbanks v. Goss (In re Goss), 149 B.R. 460, 461 (Bankr. E.D. Mich. 1992) (when the debtor meets these elements, the burden shifts to the creditor to “establish cause” for not awarding fees) (citations omitted); see generally Chrysler First Fin. Serv. Corp. v. Rhodes (In re Rhodes), 93 B.R. 622, 624 (Bankr. S.D. Ill. 1988). discourage abusive discharge litigation in the consumer context.2 Moreover, despite having the opportunity, the Plaintiff does not argue that any “special circumstances” make such an award “unjust.” See 11 U.S.C. § 523(d).

The Plaintiff also makes several technical arguments, including one based on the mistaken premise that the Defendant failed to request attorney’s fees in his Answer (DN 6). It is true that the Defendant did not file a formal “counterclaim” as defined in Rule 13, but he clearly made a request for fees under 11 U.S.C. § 523(d) in the prayer for relief on the last page of his Answer:

WHEREFORE, Defendant prays that Plaintiff’s Complaint be dismissed, with prejudice, with costs and reasonable attorneys fees to be awarded as allowed by 11 U.S.C. § 523(d). Answer at p. 4. At oral argument, Plaintiff’s counsel appeared surprised when the court informed him that the Defendant had in fact requested attorney’s fees in his Answer, but he suggested, incorrectly in the court’s view, that such an award must take the form of a formal counterclaim and cannot be made by motion. The court disagrees. Rule 7008(b) simply required the Defendant to request attorney’s fees as a “claim” in his “answer,” without using the formal term “counterclaim.” His Answer suffices as a claim for such relief. The court, therefore, rejects the Plaintiff’s hyper-technical reading of Rule 7008(b) as inconsistent with the text of the Rule itself and contrary to the liberal pleading philosophy of the

2 By enacting 11 U.S.C. § 523(d), Congress intended to discourage creditors from bringing weak claims “in hopes of extracting a settlement from a debtor anxious to avoid paying attorney’s fees to defend the action.” 4 COLLIER ON BANKRUPTCY ¶ 523.08[8] (citing legislative history); see also Thorpe Credit, Inc., 723 F.2d at 16-18. Awarding fees in this case is consistent with that aim. Federal Rules of Civil Procedure generally.3 The court invited the Defendant to proceed by motion under Rule 54 because after hearing the evidence, the court concluded that (1) the Complaint was not “substantially justified”; (2) the Defendant requested such an award in his Answer; and (3) the applicable statute directs the court to make the award, absent special circumstances. See 11 U.S.C. § 523(d); cf. Fed. R. Civ. P. 54(c)(“Every other final judgment

should grant the relief to which each party is entitled, even if the party has not demanded that relief in its pleadings”). At the hearing on the Motion, Plaintiff’s counsel advanced an argument premised on Rule 58 which was not included in the Response. The gist of the argument is that the court failed to preserve its authority to rule on the Motion by not entering an order providing that the Motion

had the effect of a Rule 59 motion. This argument is evidently premised on Rule 58(e), which provides, in relevant part, as follows: (e) COST OR FEE AWARDS. Ordinarily, the entry of judgment may not be delayed, nor the time for appeal extended, in order to tax costs or award fees.

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In re: Vernon Harold May v. FIA Card Services, N.A., (Mich. 2010).

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