Pop 3 Ravinia, LLC v. Embark Holdco Management, LLC

CourtCourt of Appeals of Georgia
DecidedJune 22, 2022
DocketA22A0127
StatusPublished

This text of Pop 3 Ravinia, LLC v. Embark Holdco Management, LLC (Pop 3 Ravinia, LLC v. Embark Holdco Management, 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
Pop 3 Ravinia, LLC v. Embark Holdco Management, LLC, (Ga. Ct. App. 2022).

Opinion

FIFTH DIVISION MCFADDEN, P. J., GOBEIL and PINSON, 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. https://www.gaappeals.us/rules

June 22, 2022

In the Court of Appeals of Georgia A22A0127. POP 3 RAVINIA, LLC v. EMBARK HOLDCO MANAGEMENT, LLC

PINSON, Judge.

POP 3 Ravinia, LLC sued Embark Holdco Management, LLC, among others,

to recover unpaid rent and other expenses under a commercial lease. Embark was not

a party to the lease, but Ravinia claimed that Embark was liable as a successor to the

tenant, either because Embark was a “mere continuation” of the now-defunct tenant

or because Embark and the tenant had effectuated a “de facto merger.” The trial court

granted Embark’s motion for summary judgment, concluding that equitable

considerations cut against imposing liability under the continuation doctrine and that

the elements of a de facto merger were not satisfied. We affirm in part and reverse in part. We agree with the trial court that the

evidence, even viewed favorably to Ravinia, does not establish all the elements of a

de facto merger. But that evidence would allow a jury to conclude that Embark is a

“mere continuation” of Access Holdco under the established elements of the

corporate continuation doctrine. As we will explain below, we are skeptical that

equitable considerations beyond those elements are properly considered under

Georgia’s version of that doctrine. But even if this equitable doctrine has some

flexibility, we do not think that the additional factors Embark and the trial court

injected into the analysis apply in Embark’s favor here.

Background

(a) The Lease

In 2010, Access Insurance Holdings, Inc., as tenant, entered into an agreement

with CRT Ravinia, LLC, as landlord, to lease about 77,000 square feet of space in an

Atlanta office building known as Three Ravinia Drive.1 The lease was to run for 10

years, until December 2020. In 2016, CRT Ravinia assigned its interest in the lease

1 In reviewing summary judgment orders, we view the evidence in the record in the light most favorable to the party opposing summary judgment. Patterson v. Kevon, LLC, 304 Ga. 232, 236 (818 SE2d 575) (2018). Here, Ravinia opposed summary judgment so we construe the facts in the light most favorable to it.

2 to Appellant POP 3 Ravinia, LLC. Also in 2016, Access Insurance Holdings assigned

its interest in the lease to an affiliated company, Access Holdco Management, LLC.

(b) Access Holdco’s Financial Troubles

Access Holdco’s business was administering policies and claims for insurance

carriers—it was what’s called a managing general agent. Access Holdco did this work

for “nonstandard” auto insurance carriers: carriers who offer insurance to insureds

who, because of a lack of driving history or a poor driving record, are unable to

qualify for standard auto insurance. Most of the policies Access Holdco serviced were

issued by a single affiliated insurance carrier, Access Insurance Company.

In March 2018, following investigations by insurance regulators in California

and Texas, Access Insurance Company was placed into a receivership and enjoined

from selling insurance. Having suddenly lost its primary source of revenue, Access

Holdco defaulted on $55 million in secured debt, and the creditor began exercising

its default remedies.

Faced with possible liquidation, Access Holdco’s majority owner, private

equity firm Altamont Capital Partners LLC, set about to salvage its investment in the

company. According to an Altamont executive, Altamont believed “that there was

3 asset value [in Access Holdco] that . . . we could harvest if we bought the debt at a

price that made sense.” So in May 2018, an Altamont subsidiary called ACP

Insurance Finance, Inc. purchased Access Holdco’s debt from the creditor.

In the months that followed, Altamont marketed the company to third-party

buyers. During that time, Access Holdco laid off more than 200 employees. In the

meantime, ACP Insurance Finance—again, a subsidiary of Altamont, which also

owned Access Holdco—demanded more than $21 million in debt payments, which

Access Holdco paid.

(c) Access Holdco’s Assets Are Transferred to Embark

In August 2018, Access Holdco formally converted from a Georgia LLC to a

Delaware LLC. Nine days later, on August 23, 2018, Access Holdco initiated a

proceeding known as an assignment for the benefit of creditors (“ABC”) in the

Delaware Chancery Court. An ABC is an alternative to bankruptcy, sanctioned under

the laws of some states, in which the debtor voluntarily transfers its assets to a

fiduciary assignee, who is responsible for selling the assets and distributing the

proceeds to creditors. See 9 NORTON BANKR. L. & PRAC. 3D §§ 171:1-171:2 (Apr.

2022); see also Jonathan P. Friedland, STRAT. ALT. DIS. BUS. § 10:1 (Jan. 2022) (“an

4 ABC is the state law equivalent to liquidation under chapter 7 of the Bankruptcy

Code”).2 To start the process, Access Holdco assigned its assets to certain fiduciary

entities (“ABC Entities”), which in turn filed an ABC petition in the Chancery Court.

On the same day the ABC petition was filed, the ABC Entities transferred

Access Holdco’s assets to a newly-formed company called Embark Holdco

Management, LLC. Embark was wholly owned, albeit indirectly, by Altamont.3

Under the agreement, Embark bought all of Access Holdco’s assets except its interest

in the lease for Three Ravinia Drive. As consideration, ACP Insurance Finance

agreed to discharge $27 million of Access Holdco’s secured debt and to assume

certain liabilities. The net result was the transfer of Access Holdco’s assets, free of

any secured debt, to Embark.4 Access Holdco was subsequently dissolved. As

described by Access Holdco’s former operations and facilities director, the purpose

2 Such proceedings have apparently become “commonplace” in Delaware as a more cost-effective alternative to bankruptcy proceedings. Friedland, at § 23:4. See Del. Code Ann. tit. 10, §§ 7381 to 7387. 3 The corporate chain connecting Embark to Altamont runs through four other corporate entities, including ACP Insurance Finance, each a wholly-owned subsidiary of the other. 4 Two independent appraisals valued the company’s assets at approximately $13.4 million and $15 million, respectively. Thus, using either appraisal, the value of the assets was significantly less than the value of the discharged debt.

5 of the transfer of assets to Embark was “to continue the Access [Holdco] business

without paying certain . . . vendors, including [Ravinia].”

(d) The Insurance Administration Business Continues

Amidst these machinations, the insurance administration business continued.

In the days after August 23, 2018, Embark was conducting the same business, using

the same assets and employing the same personnel, as Access Holdco had before the

asset transfer. Employees continued using the same company-issued computers and

email accounts, and their accumulated leave and seniority were carried over from

Access Holdco to Embark. The company used the same computer server, which

contained all of Access Holdco’s historical documents. For several weeks after

August 23, Embark continued occupying the office space at Three Ravinia Drive,

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