JPMorgan Chase Bank, N.A. v. Larry Winget

CourtCourt of Appeals for the Sixth Circuit
DecidedJune 15, 2026
Docket25-1957
StatusUnpublished

This text of JPMorgan Chase Bank, N.A. v. Larry Winget (JPMorgan Chase Bank, N.A. v. Larry Winget) is published on Counsel Stack Legal Research, covering Court of Appeals for the Sixth Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
JPMorgan Chase Bank, N.A. v. Larry Winget, (6th Cir. 2026).

Opinion

NOT RECOMMENDED FOR PUBLICATION File Name: 26a0265n.06

Case Nos. 25-1883/1957/1958

UNITED STATES COURT OF APPEALS FOR THE SIXTH CIRCUIT

JPMORGAN CHASE BANK, N.A., ) FILED ) Jun 15, 2026 Plaintiff, KELLY L. STEPHENS, Clerk ) ALTER DOMUS (US) LLC, ) ) Plaintiff - Appellant (25-1883), ) ON APPEAL FROM THE UNITED Plaintiff - Appellee (25-1957/1958), ) STATES DISTRICT COURT FOR v. ) THE EASTERN DISTRICT OF ) MICHIGAN LARRY J. WINGET, ) Defendant - Appellee (25-1883), ) OPINION Defendant - Appellant (25-1957/1958), ) ) LARRY J. WINGET LIVING TRUST, ) Defendant - Appellee (25-1883), ) Defendant - Appellant (25-1958). ) )

Before: SUTTON, Chief Judge; BATCHELDER, and THAPAR, Circuit Judges.

THAPAR, J., delivered the opinion of the court in which SUTTON, C.J., and BATCHELDER, J., concurred. BATCHELDER, J. (pg. 20), delivered a separate concurring opinion.

THAPAR, Circuit Judge. In 2022, we concluded our ninth opinion on the decades-long

litigation between Alter Domus and Larry J. Winget and his trust with the “hope this marks the

final chapter” in “the story that never ends.” JPMorgan Chase Bank, N.A. v. Winget, No. 21-1568,

2022 WL 2389287, at *11 (6th Cir. July 1, 2022). It did not. Case Nos. 25-1883/1957/1958, JPMorgan Chase Bank, N.A., et al. v. Winget, et al.

Four years and a few opinions later, we’re faced with another three appeals about the

execution of a $750 million judgment against Winget and his trust after his companies defaulted

on a loan. Winget argues that Alter Domus lacked standing to secure the judgment and contests

an order holding him in civil contempt. Alter Domus, in turn, challenges the judicial sale of trust

assets to satisfy the judgment, arguing that the sale allowed Winget, the sole bidder, to purchase

the assets for mere pennies on the dollar.

Once again, we find that Winget must pay up. We thus affirm the district court’s denial of

Winget’s motion to set aside the judgment, affirm its grant of Alter Domus’s motion to renew the

judgment, affirm the contempt order, and reverse its confirmation of the judicial sale.

I.

In 2002, one of Larry J. Winget’s companies defaulted on a $450 million loan from a group

of banks (the Lenders). That default triggered an acceleration clause in Winget’s loan agreement.

But the Lenders agreed to hold off accelerating the timeline for collection in exchange for Winget

putting up new collateral.

Winget then entered a guaranty agreement (Guaranty) with the Administrative Agent

representing the Lenders. Under the Guaranty, Winget partially secured the outstanding debt by

pledging ownership interests in several of his companies if he defaulted. Winget held those

ownership interests—and almost all his other assets—in the Larry J. Winget Living Trust, a

revocable trust that he managed as the sole trustee and beneficiary. The Guaranty capped Winget’s

personal liability at $50 million but didn’t limit the Trust’s liability.

Winget’s companies later filed for bankruptcy, which constituted default. So the Lenders

demanded that Winget and the Trust pay them the outstanding debt in collateral, plus interest. That

now amounts to over $750 million. In 2015, we confirmed that the Trust’s liability under the

-2- Case Nos. 25-1883/1957/1958, JPMorgan Chase Bank, N.A., et al. v. Winget, et al.

Guaranty wasn’t capped and directed the district court to enter judgment in favor of the Agent.

JPMorgan Chase Bank, N.A. v. Winget, 602 F. App’x 246, 258–59 (6th Cir. 2015).

While that appeal was pending, Winget revoked the Trust (unbeknownst to the Agent or

the court). He then argued that the Agent had no recourse to recover from the Trust. The Agent

claimed that the revocation of the Trust was a fraudulent transfer. The district court agreed and

granted the Agent judgment on the pleadings. Winget then reinstated the Trust. But before he did

so, Winget caused a company previously held in the Trust to distribute over $100 million dollars

in cash and promissory notes to him and a specialty trust. So the Agent sued for unjust enrichment,

and the district court granted summary judgment in its favor. Then, in 2021, the district court

entered a final judgment on the Agent’s fraudulent-transfer and unjust-enrichment claims, which

we largely affirmed. Winget, 2022 WL 2389287, at *2, *5, *9.

The parties now take issue with three of the district court’s recent orders. We address each

in turn.

II.

First, Winget challenges the district court’s denial of his motion to vacate the 2021

judgment and grant of Alter Domus’s motion to renew the 2015 judgment against him. He argues

that Alter Domus doesn’t have standing. But he’s wrong.

A.

To understand Winget’s standing argument, wind the clock back to the beginning of this

saga. In 1999, when Winget accepted the loan, the Lenders designated an Agent to represent them.

The original documents named First National Bank of Chicago, one of the Lenders, as the Agent.

First National then went through a series of mergers culminating in one with JPMorgan Chase

-3- Case Nos. 25-1883/1957/1958, JPMorgan Chase Bank, N.A., et al. v. Winget, et al.

Bank. After that merger, Chase dutifully fulfilled the responsibilities of the Agent for nearly two

decades.

But as collection dragged on, Chase decided to step back from its role as the Agent. In

2021, Chase invoked its right to “resign at any time by giving written notice” and “appoint a

successor” as the Agent. R. 23-2, Pg. ID 743. Chase appointed Alter Domus (US) LLC to

represent the Lenders. Alter Domus has never lent Winget money and isn’t a party to the original

loan documents.

Chase and Alter Domus formalized the handoff with a detailed transfer agreement. That

agreement “vested [Alter Domus] with all the rights, powers, privileges and duties of the

Administrative Agent under the Primary Credit Agreement and the Loan Documents.” R. 1212-

2, Pg. ID 35379. After the transfer, Alter Domus became entitled to “execute and deliver such

further instruments and take such further actions reasonably requested by [the Lenders]” to

perform the responsibilities of the Agent. Id. The agreement further confirmed that “all

references” to the Agent in the credit and loan documents would “mean and refer to Alter Domus.”

Id. at 35379–80. In short, Chase “assign[ed]” its responsibilities as the Agent and Alter Domus

“assume[d]” them. Id. at 35378.

Chase told Winget about the substitution. When Winget didn’t object, Chase filed an

unopposed motion to substitute Alter Domus as a party to this litigation, which the district court

granted. See Fed. R. Civ. P. 25(c). Since then, Alter Domus has represented the Lenders as the

Agent, listed itself as the named plaintiff on all legal filings, and appeared repeatedly before the

court as the Agent. Crucially, the substitution became final just in time for the district court to

enter a judgment in Alter Domus’s favor on the long-running unjust-enrichment and fraudulent-

-4- Case Nos. 25-1883/1957/1958, JPMorgan Chase Bank, N.A., et al. v. Winget, et al.

conveyance claims against Winget. For its own part, Chase remained involved in the litigation

only in its capacity as a lender.

Winget first objected to Alter Domus’s status as the Agent in 2025. During a bench trial

in a related case, one of Alter Domus’s representatives testified that Alter Domus was “a third-

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