Melissa Avdeef v. National Auto Finance Company

Court of Appeals of Texas·Decided December 15, 2011·No. 02-10-00344-CV·Published

Opinion

COURT OF APPEALS

SECOND DISTRICT OF TEXAS

FORT WORTH

NO. 02-10-00344-CV

MELISSA AVDEEF APPELLANT V.

NATIONAL AUTO FINANCE APPELLEE COMPANY

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FROM THE 67TH DISTRICT COURT OF TARRANT COUNTY ----------

MEMORANDUM OPINION1

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Appellant Melissa Avdeef appeals from the trial court‘s summary judgment in favor of Appellee National Auto Finance Company (NAFC) on its claims against Avdeef for breach of contract and foreclosure of its security interest and against Avdeef on her counterclaims. Avdeef, who is proceeding pro se, argues in five issues that the trial court erroneously exceeded the four corners of the

1 See Tex. R. App. P. 47.4.

contract in awarding NAFC damages and possession of the vehicle, that NAFC is no longer in business, that the trial court erred by ―prejudging the case by statements made on the court record,‖ by allowing NAFC ―to violate multiple state and federal laws,‖ and by ―allowing [NAFC] to make false, misleading[,] and contradicting statements,‖ and that the trial court failed to consider NAFC‘s credibility. Because we hold that the trial court did not err by granting summary judgment, we affirm.

NAFC sued Avdeef to recover the balance due on a motor vehicle retail installment contract entered into by Avdeef. NAFC asserted that in 2004, Avdeef purchased a vehicle from Meador Chrysler/Plymouth and at the same time executed the retail installment contract, which gave Meador a security interest in the vehicle. NAFC further claimed that it had purchased the contract from Meador and that Avdeef was now in default of the contract. It asserted a claim for breach of contract and sought to foreclose on its security interest. NAFC also stated that it was the registered assumed name for Nuvell National Auto Finance LLC.

Avdeef filed a counterclaim asserting that NAFC was ―not a permissible company to do business in the State of Texas‖ and was no longer the lien holder. She further asserted that NAFC had violated the federal Fair Debt Collection Practices Act (FDCPA).

After a hearing, the trial court granted summary judgment for NAFC. The judgment ordered that NAFC recover from Avdeef $19,792.32 plus interest and

attorney‘s fees, that NAFC was awarded foreclosure on its security interest in the vehicle, and that Avdeef take nothing on her counterclaims. Avdeef then appealed.

We review a summary judgment de novo.2 We consider the evidence presented in the light most favorable to the nonmovant, crediting evidence favorable to the nonmovant if reasonable jurors could and disregarding evidence contrary to the nonmovant unless reasonable jurors could not.3 We indulge every reasonable inference and resolve any doubts in the nonmovant‘s favor. 4 A plaintiff is entitled to summary judgment on a cause of action if it conclusively proves all essential elements of the claim.5 After an adequate time for discovery, the party without the burden of proof may, without presenting evidence, move for summary judgment on the ground that there is no evidence to support an essential element of the nonmovant‘s claim or defense.6 The motion must specifically state the elements for which

2 Travelers Ins. Co. v. Joachim, 315 S.W.3d 860, 862 (Tex. 2010).

3 Mann Frankfort Stein & Lipp Advisors, Inc. v. Fielding, 289 S.W.3d 844, 848 (Tex. 2009).

4 20801, Inc. v. Parker, 249 S.W.3d 392, 399 (Tex. 2008).

5 See Tex. R. Civ. P. 166a(a), (c); MMP, Ltd. v. Jones, 710 S.W.2d 59, 60 (Tex. 1986).

6 Tex. R. Civ. P. 166a(i).

there is no evidence.7 The trial court must grant the motion unless the nonmovant produces summary judgment evidence that raises a genuine issue of material fact.8 When reviewing a no-evidence summary judgment, we examine the entire record in the light most favorable to the nonmovant, indulging every reasonable inference and resolving any doubts against the motion.9 We review a no- evidence summary judgment for evidence that would enable reasonable and fair- minded jurors to differ in their conclusions.10 We credit evidence favorable to the nonmovant if reasonable jurors could, and we disregard evidence contrary to the nonmovant unless reasonable jurors could not.11 If the nonmovant brings forward more than a scintilla of probative evidence that raises a genuine issue of material fact, then a no-evidence summary judgment is not proper.12

7 Id.; Timpte Indus., Inc. v. Gish, 286 S.W.3d 306, 310 (Tex. 2009).

8 See Tex. R. Civ. P. 166a(i) & cmt.; Hamilton v. Wilson, 249 S.W.3d 425, 426 (Tex. 2008).

9 Sudan v. Sudan, 199 S.W.3d 291, 292 (Tex. 2006).

10 Hamilton, 249 S.W.3d at 426 (citing City of Keller v. Wilson, 168 S.W.3d 802, 822 (Tex. 2005)).

11 Timpte Indus., 286 S.W.3d at 310 (quoting Mack Trucks, Inc. v. Tamez, 206 S.W.3d 572, 582 (Tex. 2006)).

12 Smith v. O’Donnell, 288 S.W.3d 417, 424 (Tex. 2009); King Ranch, Inc.

v. Chapman, 118 S.W.3d 742, 751 (Tex. 2003), cert. denied, 541 U.S. 1030 (2004).

Avdeef‘s brief does not conform to the appellate briefing rules. She divides her ―Statement of Facts‖ into sections by issue, and in each section, she includes argument pertaining to that issue.13 She then includes a three-page ―Summary of the Argument‖ that, rather than summarizing the arguments relating to her issues, asserts that NAFC should be held to the rule of law but does not reference any law or legal principle by which NAFC should be held accountable. The ―Argument‖ section of her brief consists of three pages of numbered paragraphs. Avdeef does not clearly indicate which paragraphs relate to which of her issues, and some of the paragraphs do not appear to have any relevance to her issues.

A pro se litigant is held to the same standards as licensed attorneys and must comply with rules of procedure.14 But, in light of our obligation to liberally construe briefs,15 we address Avdeef‘s arguments to the extent that they are

13 See Tex. R. App. P. 38.1(g) (providing that the appellant‘s brief ―must state concisely and without argument the facts pertinent to the issues or points presented‖).

14 Mansfield State Bank v. Cohn, 573 S.W.2d 181, 184–85 (Tex. 1978);

Williams v. Capitol Cnty. Mut. Fire Ins. Co., 594 S.W.2d 558, 559 (Tex. Civ. App.—Fort Worth 1980, no writ).

15 See Tex. R. App. P. 38.9.

adequately briefed and that we can understand them. To the extent that any of her arguments are unintelligible and inadequately briefed, they are overruled.16 In her first issue, Avdeef argues that the trial court improperly allowed NAFC to exceed the terms of the contract. She contends that the contract did not allow NAFC to both foreclose on the vehicle and be awarded damages. Avdeef argues that the trial court improperly allowed NAFC to

wander outside of the four corners of the contract, and thus improperly granted [NAFC] possession of the motor vehicle, the value of the contract, damages, and legal fees, the law limits the collection of contractual goods to the limits specified within the contract, you get one or the other, the money owed, or the vehicle, then in turn you have to sue for the balance owed AFTER the sale of the vehicle, not double of everything, and the vehicle to boot, thus this judgment was wholly improper.

To address what we interpret as an argument that the trial court granted NAFC relief not authorized by the contract, we examine the summary judgment evidence offered by NAFC in support of its breach of contract claim, as well as any evidence offered by Avdeef in reply.

Regarding its breach of contract claim, NAFC produced a copy of the sales contract, which provided the following terms:

a total loan amount of $29,341.44, to be repaid in seventy-two monthly payments of $407.52;

an annual percentage rate of 12.95 percent;

16 See Tex. R. App. P. 38.1(i); Gray v. Nash, 259 S.W.3d 286, 294 (Tex.

App.—Fort Worth 2008, pet. denied) (deciding that issues were waived because of inadequate briefing).

a late charge of five percent of the scheduled payment for any payment not received within fifteen days of its due date; and

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