Nikita Barnes v. Guild Mortgage Company LLC

CourtCourt of Appeals for the Eleventh Circuit
DecidedDecember 9, 2025
Docket24-14033
StatusUnpublished

This text of Nikita Barnes v. Guild Mortgage Company LLC (Nikita Barnes v. Guild Mortgage Company LLC) is published on Counsel Stack Legal Research, covering Court of Appeals for the Eleventh Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Nikita Barnes v. Guild Mortgage Company LLC, (11th Cir. 2025).

Opinion

USCA11 Case: 24-14033 Document: 49-1 Date Filed: 12/09/2025 Page: 1 of 19

NOT FOR PUBLICATION

In the United States Court of Appeals For the Eleventh Circuit ____________________ No. 24-14033 Non-Argument Calendar ____________________

NIKITA LYNETTE BARNES, Plaintiff-Appellant, versus

GUILD MORTGAGE COMPANY LLC, DESIREE (AMBER) KRAMER, MCCALLA RAYMER LEIBERT PIERCE, LLC, LINDA T. WALKER, VICTORIA CALVERT, et al., Defendants-Appellees. ____________________ Appeal from the United States District Court for the Northern District of Georgia D.C. Docket No. 1:23-cv-05065-SDG ____________________

Before ROSENBAUM, JILL PRYOR, and ABUDU, Circuit Judges. USCA11 Case: 24-14033 Document: 49-1 Date Filed: 12/09/2025 Page: 2 of 19

2 Opinion of the Court 24-14033

PER CURIAM: Nikita Barnes, proceeding pro se, filed this lawsuit against her mortgage lender, one of its executives, and the law firm that repre- sented the lender in foreclosure proceedings. While the action was pending, she added as defendants the district court judge and mag- istrate judge who had been presiding over the case. After the case was reassigned to a new district court judge and magistrate judge, the district court dismissed Barnes’s third amended complaint, con- cluding, among other things, that it was a shotgun pleading. The district court dismissed all of Barnes’s claims with prejudice. On appeal, Barnes challenges several of the district court’s earlier orders in the case as well as the dismissal of the action. After careful consideration, we conclude that the district court did not abuse its discretion in any of the earlier orders or in dismissing the third amended complaint as a shotgun pleading. But we disagree with the district court’s dismissal with prejudice of Barnes’s claims against the two judges who were never served with process and never appeared in this action. We conclude that the court could not dismiss Barnes’s claims against them with prejudice. We thus affirm the district court’s dismissal with prejudice of Barnes’s claims against defendants Guild Mortgage Company LLC; Desiree Kramer; and McCalla Raymer Leibert Pierce, LLC. But we vacate the dismissal with prejudice as to defendants Judge Victoria Calvert and Judge Linda Walker. As to these defendants only, we remand with instructions that the district court reenter its judgment as a dismissal without prejudice. USCA11 Case: 24-14033 Document: 49-1 Date Filed: 12/09/2025 Page: 3 of 19

24-14033 Opinion of the Court 3

I. In June 2017, Barnes borrowed more than $230,000 from Guild. She signed a promissory note, which was secured by a secu- rity deed on her home in Douglasville, Georgia. Barnes fell behind on her mortgage payments, and Guild sought to foreclose on the property. In November 2023, with foreclosure looming, Barnes filed this lawsuit in federal court in the Northern District of Georgia, bringing claims against Guild and Kramer, its chief financial officer. In her initial complaint, Barnes purported to bring federal claims for violations of the “Truth and lending act, Consumer Rights, Fed- eral reserve act, and Negotiable Instrument.” Doc. 4 at 3. 1 As dam- ages, she sought “1% of all company assets” and “$5000 a day for every day that this matter was not handle[d] properly.” Id. at 5. Barnes’s lawsuit initially was assigned to Judge Calvert, a district court judge, and Judge Walker, a magistrate judge. Because Barnes sought permission to proceed in forma pau- peris, the magistrate judge reviewed the complaint to determine whether the action was frivolous or malicious, failed to state a claim for relief, or sought monetary relief against a defendant who was immune. See 28 U.S.C. § 1915(e)(2). The magistrate judge de- termined that Barnes’s complaint, “as pled, [was] woefully defi- cient.” Doc. 2 at 4. Although it appeared that Barnes intended to assert a claim under the Truth in Lending Act (TILA), the

1 “Doc.” numbers refer to the district court’s docket entries. USCA11 Case: 24-14033 Document: 49-1 Date Filed: 12/09/2025 Page: 4 of 19

4 Opinion of the Court 24-14033

complaint failed to identify “what provision of TILA was suppos- edly violated.” Id. at 5. The magistrate judge noted that TILA “con- tain[ed] dozens of sections and hundreds of pages of implementing regulations” and stated that the court could not “be expected to guess what provision [d]efendants allegedly violated.” Id. at 4. The magistrate judge determined that Barnes’s other claims were “even more vague,” explaining that “Consumer Rights,” the “Federal re- serve act,” and “Negotiable Instrument” were not “plausible cause[s] of action.” Id. at 5. Although the complaint was deficient, the magistrate judge recommended that the district court allow Barnes to file an amended complaint and set a deadline for her to do so. The magis- trate judge warned that the amended complaint would need to “clearly specify which specific statutory provisions [d]efendants al- legedly violated” and include “factual allegations sufficient to sup- port each claim.” Id. Barnes filed a first amended complaint, again asserting claims against Guild and Kramer.2 She alleged that Guild and Kra- mer’s actions “constitute[d] a breach of contract as outlined in the security deed” and “a wrongful foreclosure.” Doc. 6 at 3. She also claimed that they violated TILA, the Real Estate Settlement Proce- dures Act (RESPA), and the Uniform Commercial Code (UCC).

2 Along with her first amended complaint, Barnes objected to the magistrate

judge’s recommendation. The district court generally adopted the magistrate judge’s recommendation but determined that it need not set a deadline for Barnes to file an amended complaint because one had already been filed. USCA11 Case: 24-14033 Document: 49-1 Date Filed: 12/09/2025 Page: 5 of 19

24-14033 Opinion of the Court 5

Shortly after filing the first amended complaint, Barnes moved for a temporary restraining order, seeking to stop Guild from proceeding with the foreclosure sale. The district court de- nied this motion, concluding that Barnes had not demonstrated that a temporary restraining order was justified. The day after the court denied the motion for a temporary restraining order, Barnes filed a Chapter 13 bankruptcy petition, which she admits she filed for the purpose of delaying the foreclo- sure proceedings. Less than two months after filing the bankruptcy petition, she voluntarily dismissed the bankruptcy case. In the district court, Guild and Kramer moved to dismiss Barnes’s first amended complaint, arguing that it failed to state a claim and was a shotgun pleading. They asserted that the “few al- leged facts” in the pleading did “not sufficiently provide [them] with a reasonable basis for understanding what alleged facts form the basis for the claims asserted.” Doc. 17-1 at 7. Barnes opposed the motion. In her response, she purported to add claims for breach of “an implied Duty of Good Faith and Fair Dealing” and violation of the “Unfair and Deceptive Trade Practices Act.” Doc. 21-1 at 4. While the motion to dismiss was pending, Barnes filed sev- eral motions in the district court. She filed a motion to take discov- ery and another seeking the recusals of Judge Calvert and Judge Walker. She also purported to file, without leave of court, a second amended complaint in which she asserted claims against Guild and Kramer for breach of contract and for violations of TILA, RESPA, and the UCC. USCA11 Case: 24-14033 Document: 49-1 Date Filed: 12/09/2025 Page: 6 of 19

6 Opinion of the Court 24-14033

In another attempt to stave off foreclosure, Barnes filed a new lawsuit in Georgia state court against Guild and McCalla, the law firm that represented Guild in the foreclosure proceedings.

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Nikita Barnes v. Guild Mortgage Company LLC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/nikita-barnes-v-guild-mortgage-company-llc-ca11-2025.