Maria N Villani v. Vanderbilt Mortgage and Finance Inc.

CourtTexas Court of Appeals, 11th District (Eastland)
DecidedJune 4, 2026
Docket11-24-00321-CV
StatusPublished

This text of Maria N Villani v. Vanderbilt Mortgage and Finance Inc. (Maria N Villani v. Vanderbilt Mortgage and Finance Inc.) is published on Counsel Stack Legal Research, covering Texas Court of Appeals, 11th District (Eastland) primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Maria N Villani v. Vanderbilt Mortgage and Finance Inc., (Tex. Ct. App. 2026).

Opinion

Opinion filed June 4, 2026

In The

Eleventh Court of Appeals __________

No. 11-24-00321-CV __________

MARIA N. VILLANI, Appellant V. VANDERBILT MORTGAGE AND FINANCE, INC., Appellee

On Appeal from the 32nd District Court Mitchell County, Texas Trial Court Cause No. 18311

MEMORANDUM OPINION Appellee, Vanderbilt Mortgage and Finance, Inc. (Vanderbilt Mortgage), filed suit against Appellant, Maria N. Villani, for claims stemming from the parties’ loan agreement. Vanderbilt Mortgage later filed a traditional motion for summary judgment, which the trial court granted after a hearing. Villani, as she did in the trial court, appears pro se and challenges the trial court’s summary judgment order. 1 In four issues, Villani requests that we determine whether: (1) “the trial court erred by disregarding Appellant’s perfected security interest under UCC 9.301 and Texas Bus. & Com. Code § 9.301”; (2) “the administrative affidavit and unrebutted commercial record constitute a self-executing private contract enforceable in equity”; (3) “the trial court violated Appellant’s procedural and substantive due process rights under the Fifth and Fourteenth Amendments”; and (4) “the trial court’s conduct amounts to civil rights violations under 42 U.S.C. §§ 1983, 1985, and 1986.” We affirm in part, and we reverse and remand in part. I. Factual Background On March 25, 2022, Villani executed a written “Consumer Note, Disclosure and Security Agreement” (the contract) to finance the purchase of a mobile home (the home). Under the terms of the contract, Villani agreed to make monthly payments on the principal amount of the loan, as well as any interest or applicable late fees, until the loan was paid in full. Villani granted Vanderbilt Mortgage a security interest in the home to facilitate the repayment of the principal loan amount and other sums that would become due. The contract included a section, reproduced below, which defined the circumstances that would constitute a default under the terms of the contract: Default. Subject to any limitations and requirements of applicable law and this Agreement, you will be in default if you[:] (1) fail to make a payment on time, (2) violate any provision of this Agreement, or (3) have made any false statements in your

1 Although we liberally construe briefs and other filings that are submitted by pro se parties, we hold pro se litigants to the same standards as licensed attorneys and require them to be familiar with and comply with all applicable laws and rules of procedure and evidence. Mansfield State Bank v. Cohn, 573 S.W.2d 181, 184–85 (Tex. 1978); Barrientos v. Barrientos, 675 S.W.3d 399, 404 n.2 (Tex. App.—Eastland 2023, pet. denied); Aaron v. Fisher, 645 S.W.3d 299, 312 (Tex. App.—Eastland 2022, no pet.). 2 application, including without limitation misleading statements about the value of the [home], your financial situation or your position as first lien holder. To the extent this Agreement is secured by real estate or a residence that is personal property, the existence of a default and our remedies for such default will be determined by applicable law, by the terms of any separate agreement, including but not limited to a financing statement, or any separate instrument creating a security interest, and by this Agreement. We have the right to be paid back by you for all of our costs and expenses in enforcing this Agreement to the extent not prohibited by applicable law. Those expenses include, for example, collection costs, court costs, and reasonable attorneys’ fees[.] If an event of default occurs as to any one of you, we may exercise our remedies against any or all of you. Villani subsequently ceased making payments to Vanderbilt Mortgage and defaulted. On February 20, 2024, Vanderbilt Mortgage sent a notice of default to Villani, which stated that she had an opportunity to cure the default by making a payment in the sum of $3,210.15 by March 21. Villani failed to make the requested payment, and on March 28, Vanderbilt Mortgage sent Villani a notice of its intent to accelerate payment of the loan balance. On April 24, Vanderbilt Mortgage filed suit against Villani for breach of contract and sought foreclosure and possession of the home, requesting a declaration that a private sale would be commercially reasonable. See TEX. BUS. & COM. CODE ANN. §§ 9.609, .627 (West 2021). Villani responded with a general denial on August 20. 2 That same day, Villani filed a counterpetition, raising claims for breach of contract, breach of fiduciary

2 Villani drafted her pro se general denial by using a civil answer template from TexasLawHelp.org. In her answer, Villani hand-wrote the following as specific pleas to the trial court’s jurisdiction and authority to hear and decide this case: “a(1) Motion to Strike Rule 12 TRCP, K.C. Littlefield has no authority[;] (2) Motion to Dismiss Rule 12 TRCP[;] (3) Motion to Dismiss Rule 91a TRCP, Rule 12(b)(6) FRCP[;] b(1) Motion to Strike contract performed pursuant to UCC 3-603(b)[;] c(1) Motion to dismiss no fees pursuant to UCC 3-603[;] d(1) Motion to Dismiss property is on Accodial (sic) land [Burke v. Southern Pac. R. Co., 234 U.S. 669 (1914);] (e) Motion to Strike Rule 12 TRCP[;] (f) Motion to Dismiss lack of evidence exhibit is counterfeit security.” Villani also asserted the following affirmative defenses by

3 duties, and nine alleged violations of federal law.3 The myriad of counterclaims that she asserted primarily consisted of strained legalese about the federal reserve, “currency switch[ing],” “securitization,” and other diatribes regarding—what we agree with the federal district courts to be—fictitious contracts or trusts allegedly established by the Declaration of Independence, the Texas Code of Judicial Conduct, or various oaths of office taken by judges and clerks, that are often commonly associated with complaints raised by sovereign citizens. 4

checking the corresponding boxes on the civil answer template form: (1) accord and satisfaction, (2) duress, (3) estoppel, (4) failure of consideration, (5) fraud, and (6) statute of frauds. While she did not check the box, Villani indicated that she had paid the debt owed to Vanderbilt Mortgage through a “negotiable instrument” in December 2023, which was a “Bill of Exchange using special endorsement for performance and set off of the contract.” 3 Villani’s federal claims include (1) civil monetary penalties under 12 U.S.C. § 504, (2) money laundering under 18 U.S.C. § 1956, (3) transportation of stolen securities under 18 U.S.C. § 2314, (4) securities and commodities fraud under 18 U.S.C. § 1348, (5) peonage under 18 U.S.C. § 1581, (6) enticement into slavery under 18 U.S.C. § 1583, (7) sale into involuntary servitude under 18 U.S.C.

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Maria N Villani v. Vanderbilt Mortgage and Finance Inc., Counsel Stack Legal Research, https://law.counselstack.com/opinion/maria-n-villani-v-vanderbilt-mortgage-and-finance-inc-txctapp11-2026.