Matthew W. Howard v. Gmac Mortgage LLC

CourtCourt of Appeals of Georgia
DecidedMarch 7, 2013
DocketA12A1931
StatusPublished

This text of Matthew W. Howard v. Gmac Mortgage LLC (Matthew W. Howard v. Gmac Mortgage LLC) is published on Counsel Stack Legal Research, covering Court of Appeals of Georgia primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Matthew W. Howard v. Gmac Mortgage LLC, (Ga. Ct. App. 2013).

Opinion

THIRD DIVISION MILLER, P. J., RAY and BRANCH, JJ.

NOTICE: Motions for reconsideration must be physically received in our clerk’s office within ten days of the date of decision to be deemed timely filed. (Court of Appeals Rule 4 (b) and Rule 37 (b), February 21, 2008) http://www.gaappeals.us/rules/

March 7, 2013

In the Court of Appeals of Georgia A12A1931. HOWARD v. GMAC MORTGAGE, LLC.

B RANCH, Judge.

In this dispossessory action, Matthew W. Howard appeals, pro se, from two

separate orders entered below. The first of these orders granted the landowner, GMAC

Mortgage, LLC, a writ of possession for the premises in question. The second order

dismissed Howard’s appeal of the writ of possession, based upon his failure to pay

rent into the registry of court during the pendency of that appeal. For reasons

explained below, we affirm the order of the trial court granting GMAC a writ of

possession. Furthermore, because we decide Howard’s original appeal on the merits,

his appeal of the order dismissing his appeal of the writ of possession is moot. 1

1 Additionally, we dismiss as moot GMAC’s motion to dismiss both of Howard’s appeals. The undisputed facts show that in June, 2010, GMAC filed a dispossessory

warrant against Howard in Cherokee County State Court, asserting that he was a

tenant at sufferance as a result of GMAC’s purchase of the property at a May, 2010

foreclosure sale.2 Howard filed an answer asserting as his defense that the foreclosure

sale was wrongful and that he had wrongful foreclosure actions pending against

GMAC and others in Cherokee County Superior Court, and that action was removed

to the United States District Court for the Northern District of Georgia. Howard also

asserted a counterclaim for intentional infliction of emotional distress, based on

GMAC’s decision to seek a writ of possession despite its knowledge of Howard’s

wrongful foreclosure lawsuits. The case was thereafter transferred to the Superior

Court of Cherokee County.

GMAC moved for summary judgment on its claim for a writ of possession and

on Howard’s counterclaim. Following an evidentiary hearing, the trial court granted

that motion and issued the writ of possession on December 8, 2010. Howard filed his

notice of appeal as to that writ on December 13, and then sought to be relieved of

2 See Solomon v. Norwest Mtg. Corp., 245 Ga. App. 875, 876 (1) (538 SE2d 783) (2000) (where the former property owner “remains in possession of the premises after lawful foreclosure of the deed, she is a tenant at sufferance and is subject to be summarily dispossessed by the purchaser at the foreclosure sale”) (punctuation and footnote omitted).

2 paying the costs of his appeal by applying to proceed in forma pauperis. The trial

court denied Howard’s application to proceed in forma pauperis on February 18, 2011,

and Howard attempted to appeal that decision. His application for discretionary

appeal, however, was denied by this Court. The court below also entered an order

requiring Howard to pay rent into the registry of the court pending his appeal of the

writ of possession. Howard filed an untimely notice of appeal as to that order, and the

appeal was therefore dismissed for lack of jurisdiction.

After Howard failed for a number of months either to pay rent into the registry

of court while his appeal of the writ of possession was pending, or to pay the costs

necessary for the docketing of that appeal, GM AC moved to dismiss the appeal.

Following the close of Howard’s bankruptcy case, the trial court held a hearing on

GMAC’s motion, and thereafter issued an order dismissing Howard’s original appeal

and granting GMAC a second writ of possession. Howard then filed his notice of

appeal from that order and apparently paid costs in the trial court, as the record in the

case was transmitted to this Court. Both Howard’s original appeal from the writ of

possession and his appeal from the order dismissing that appeal were docketed

together under the current case number. We now turn to the merits of those appeals.

3 1. We first address Howard’s claim that the court below erred in granting the

writ of possession. Howard argues that GMAC was not entitled to the writ because it

had wrongfully foreclosed on his property. He further contends that the trial court

erred in refusing to allow him to present evidence of wrongful foreclosure; in denying

him a jury trial; in threatening him with contempt at the hearing on GMAC’s motion

for summary judgment; and in granting the writ without affording him, as a pro se

litigant, additional time to address the cases and arguments presented by GMAC at the

hearing. We find no merit in any of these claims.

(a) The trial court did not err in granting the writ of possession despite

Howard’s allegation that GMAC had wrongfully foreclosed on the property. It is well-

established that the alleged invalidity of a foreclosure sale cannot be asserted as a

defense in a subsequent dispossessory proceeding. See Hurt v. Norwest Mtg., 260 Ga.

App. 651, 659 (2) (i) (580 SE2d 580) (2003).

The purchaser at a foreclosure sale under a power of sale in a security deed is the sole owner of the property until and unless the sale is set aside. It is not germane to a dispossessory proceeding to allege that a contract under which the plaintiff claims to derive title from the defendant is void and should be canceled. If the sale of the premises under the power of sale in the loan deed was void on account of its improper exercise, or because the loan was not mature, this [can] not be

4 set up as a defense to a dispossessory proceeding under . . . OCGA §§ 44-7-50 [and] 44-7-53.

(Punctuation omitted; emphasis supplied.) Bellamy v. FDIC, 236 Ga. App. 747, 749

(a) (512 SE2d 671) (1999). See also Solomon, supra, 245 Ga. App. at 876 (1) (“after

foreclosure sale, the former owner cannot attack dispossession without first setting

aside the foreclosure and deed”) (punctuation and footnote omitted); Hague v.

Kennedy, 205 Ga. App. 586, 588 (423 SE2d 283) (1992) (“[c]laimed defects in the

landlord’s title to premises cannot be raised as a defense” in a dispossessory

proceeding) (citations and punctuation omitted). Thus, while Howard was free to –

and did – challenge the foreclosure and GM AC’s title to the property by way of his

separate lawsuit that was removed to federal court,3 he could not use the allegation of

wrongful foreclosure as a defense to the dispossessory proceeding. Sanders v. Daniel,

302 Ga. App. 350, 351 (1) (691 SE2d 244) (2010).

3 On September 12, 2011, the United States District Court granted summary judgment against Howard and in favor of the named defendants, including GMAC, on all of Howard’s claims, including his claim for wrongful foreclosure. See Howard v. Mortgage Electronic Registration Systems, Inc., et al., 2012 WL 3582586 (N. D. Ga., August 17, 2012) (denying Howard’s motion for reconsideration of the summary judgment order).

5 (b) Howard also asserts that the court below erred in refusing to allow him to

present evidence to support his defense of wrongful foreclosure. This argument,

however, ignores the fact that wrongful foreclosure is not a defense to a dispossessory

proceeding. Accordingly, the trial court properly refused to allow Howard to present

evidence of GMAC’s alleged wrongful foreclosure.4 See Reliance Trust Co. v.

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Related

Hurt v. Norwest Mortgage, Inc.
580 S.E.2d 580 (Court of Appeals of Georgia, 2003)
In Re Herring
601 S.E.2d 839 (Court of Appeals of Georgia, 2004)
Hallisy v. Snyder
464 S.E.2d 219 (Court of Appeals of Georgia, 1995)
DUNWOODY-WOODLANDS CONDOMINIUM ASSOCIATION, INC. v. Hedquist
403 S.E.2d 893 (Court of Appeals of Georgia, 1991)
Sanders v. Daniel
691 S.E.2d 244 (Court of Appeals of Georgia, 2010)
Long v. Marion
360 S.E.2d 255 (Supreme Court of Georgia, 1987)
Owens v. Green Tree Servicing LLC
684 S.E.2d 99 (Court of Appeals of Georgia, 2009)
Allen v. Tucker Federal Bank
510 S.E.2d 546 (Court of Appeals of Georgia, 1998)
Campbell v. McLarnon
593 S.E.2d 21 (Court of Appeals of Georgia, 2003)
Solomon v. Norwest Mortgage Corp.
538 S.E.2d 783 (Court of Appeals of Georgia, 2000)
Bellamy v. Federal Deposit Insurance
512 S.E.2d 671 (Court of Appeals of Georgia, 1999)
Hague v. Kennedy
423 S.E.2d 283 (Court of Appeals of Georgia, 1992)
RELIANCE TRUST CO. v. Candler
726 S.E.2d 636 (Court of Appeals of Georgia, 2012)

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