Qualon Douglas v. Farmers Insurance Federal Credit Union

CourtCourt of Appeals of Texas
DecidedJune 6, 2022
Docket05-21-00396-CV
StatusPublished

This text of Qualon Douglas v. Farmers Insurance Federal Credit Union (Qualon Douglas v. Farmers Insurance Federal Credit Union) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Qualon Douglas v. Farmers Insurance Federal Credit Union, (Tex. Ct. App. 2022).

Opinion

Affirmed and Opinion Filed June 6, 2022

In The Court of Appeals Fifth District of Texas at Dallas No. 05-21-00396-CV

QUALON DOUGLAS, Appellant V. FARMERS INSURANCE FEDERAL CREDIT UNION, Appellee

On Appeal from the County Court at Law No. 7 Collin County, Texas Trial Court Cause No. 007-01704-2020

MEMORANDUM OPINION Before Justices Partida-Kipness, Nowell, and Pedersen, III Opinion by Justice Partida-Kipness This appeal arises from a debt collection suit brought by appellee Farmers

Insurance Federal Credit Union (FIFCU) against appellant Qualon Douglas.

Douglas appeals the trial court’s order denying his motion to transfer venue and its

judgment in favor of FIFCU. We overrule Douglas’s issues and affirm the judgment.

BACKGROUND

Douglas applied for a credit card from FIFCU in December 2011. At the time

of the application, FIFCU provide Douglas with the written Cardholder Agreement

and Disclosure Statement (Credit Card Agreement). FIFCU issued a credit card to

Douglas, who then began using the credit card by receiving cash advances from FIFCU and purchasing goods and services with the card. FIFCU maintains that

Douglas breached the Credit Card Agreement by failing and refusing to make timely

payments to FIFCU under the Credit Card Agreement. Douglas made a payment of

$303.00 on January 14, 2020, and made no additional payments thereafter. As of

June 20, 2020, the past due monthly installment payments totaled $1,848.00.

FIFCU sent Douglas a demand letter on June 24, 2020, notifying him of the

default and demanding payment of all past due monthly payments owed to FIFCU

under the credit card agreement. The letter informed Douglas that FIFCU would

accelerate the maturity of the credit due and demand payment of the entire balance

unless Douglas either paid the past-due amount of $1,848.00 by July 27, 2020, or

disputed the validity of the debt within thirty days of receipt of the demand letter.

Douglas did not cure the default or dispute the debt’s validity. On August 5, 2020,

FIFCU sent Douglas a second demand letter notifying Douglas that FIFCU had

accelerated the debt and demanding payment of the full, unpaid principal balance of

the account, plus all accrued and unpaid interest. The letter further informed Douglas

that as of July 25, 2020, the balance due and owing was $15,934.76, consisting of

$15,002.95 of principal, $756.81 of accrued interest, and $175.00 of late charges,

with interest continuing to accrue after July 25, 2020. Douglas failed to cure the

default, and FIFCU filed the underlying lawsuit to collect the debt.

FIFCU served Douglas with the lawsuit via certified mail return receipt

requested sent to the address on Douglas’s account: P.O. Box 260155, Plano, Texas

–2– 75026. The clerk’s office filed an officer’s return, noting the clerk served the petition

on Douglas via certified mail on August 14, 2020. The signature on the green card

was illegible. The P.O. box address was in Collin County.

On September 3, 2020, Douglas filed a pro se motion to transfer venue from

Collin County to Dallas County. Douglas relied on the general and permissive venue

statutes in support of his motion to transfer. TEX. CIV. PRAC. & REM. CODE

§§ 15.002, 15.035. He alleged Dallas County was the proper venue under the general

venue statute because Dallas County is where all or a substantial part of the events

or omissions giving rise to the claim occurred, it is his county of residence, and

Dallas County is more convenient for the parties. See id. §§ 15.002(a)(1), (a)(2), (b).

Douglas also argued that Dallas County was the proper venue in an action to collect

a consumer debt under the permissive venue statute. See id. § 15.035. In the signature

block of his motion, however, Douglas listed his address as the Plano P.O. box.

Douglas also listed the P.O. box as his current address on the supporting declaration

he signed under penalty of perjury on September 1, 2020. On September 4, 2020,

Douglas sent a letter to the court requesting a copy of the green card, and he used

the P.O. Box on his letterhead. Douglas consistently used the Plano P.O. box as his

address throughout his filings in the trial court and disclosed to the trial court no

address in Dallas County as his residence.

FIFCU filed a response to the motion, arguing that Collin County was the

proper venue because it was the county of Douglas’s residence, the county where he

–3– signed the Credit Card Agreement, and the county where all or a substantial part of

the events giving rise to the action occurred. In support, FIFCU attached evidence

that Douglas resides in Collin County, including his current voter registration card

showing his residence address as an address in Collin County. A credit card

statement attached to FIFCU’s petition shows Douglas’s address as the Plano P.O.

Box. In addition, FIFCU argued that Douglas did not offer a residential address in

Dallas County to support his motion. The trial court denied the motion to transfer

venue.

Douglas filed a general denial on October 15, 2020. FIFCU served Douglas

with written discovery, including FIFCU’s First Request for Admissions, on October

22, 2020, by three separate service methods: (1) through the trial court’s electronic

filing and service system, (2) by email, and (3) by United States Postal Service

(USPS) Certified Mail Return Receipt Requested, postage prepaid. The electronic

delivery receipt from the trial court’s electronic filing and service system shows that

Douglas opened Plaintiff’s First Request for Admissions on October 23, 2020, and

opened the document again on October 27, 2020. The USPS online tracking

information shows that the First Request for Admissions was picked up at the postal

facility by an individual on November 20, 2020, and the green card shows it was

signed for and received by Douglas on November 20, 2020. Douglas failed to

respond to the discovery within thirty days of any of those service dates.

–4– On March 26, 2021, FIFCU filed a traditional and no evidence motion for

summary judgment, set the motion for hearing by submission on April 29, 2021, and

served Douglas with notice of the hearing date. The only filings by Douglas after

FIFCU filed the motion for summary judgment were his March 30, 2021 responses

to FIFCU’s written discovery; an April 22, 2021 motion to dismiss, which Douglas

now contends was his response to the motion for summary judgment; and two

summary judgment motions filed on April 28, 2021.

The trial court signed an order granting FIFCU’s motion for summary

judgment on April 29, 2021. In the order, the trial court stated that Douglas was

properly and timely served with the motion but filed no response to the motion. The

trial court awarded FIFCU the principal debt due of $15,002.95, plus post-judgment

interest on the principal as set out in the Credit Card Agreement, pre-judgment

interest, late charges, courts costs, $7,000.00 in reasonable and necessary attorney’s

fees through the date of judgment, and statutory post-judgment interest. The trial

court also awarded FIFCU certain conditional attorney’s fees in the event Douglas

filed post-judgment motions or appealed the judgment. This appeal followed.

ANALYSIS In two issues, Douglas contends we should reverse the trial court’s judgment

because the trial court erred by denying his motion to transfer venue and granting

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Binur v. Jacobo
135 S.W.3d 646 (Texas Supreme Court, 2004)
In Re Brookshire Grocery Co.
250 S.W.3d 66 (Texas Supreme Court, 2008)
Timpte Industries, Inc. v. Gish
286 S.W.3d 306 (Texas Supreme Court, 2009)
Neal v. Wisconsin Hard Chrome, Inc.
173 S.W.3d 891 (Court of Appeals of Texas, 2005)
FFP Marketing Co. v. Long Lane Master Trust IV
169 S.W.3d 402 (Court of Appeals of Texas, 2005)
Mott v. Red's Safe and Lock Services, Inc.
249 S.W.3d 90 (Court of Appeals of Texas, 2007)
Esparza v. Diaz
802 S.W.2d 772 (Court of Appeals of Texas, 1990)
Rosales v. H.E. Butt Grocery Co.
905 S.W.2d 745 (Court of Appeals of Texas, 1995)
Wilson v. Texas Parks & Wildlife Department
886 S.W.2d 259 (Texas Supreme Court, 1994)
McConnell v. Southside Independent School District
858 S.W.2d 337 (Texas Supreme Court, 1993)
Carr v. Brasher
776 S.W.2d 567 (Texas Supreme Court, 1989)
Provident Life & Accident Insurance Co. v. Knott
128 S.W.3d 211 (Texas Supreme Court, 2003)
Resurgence Financial, LLC v. Taylor
295 S.W.3d 429 (Court of Appeals of Texas, 2009)
James M. Clifton, Inc. v. Premillenium, Ltd.
229 S.W.3d 857 (Court of Appeals of Texas, 2007)
Marshall v. Vise
767 S.W.2d 699 (Texas Supreme Court, 1989)
Homer Merriman v. Xto Energy, Inc.
407 S.W.3d 244 (Texas Supreme Court, 2013)
Robert D. Coleman v. Reed W. Prospere
510 S.W.3d 516 (Court of Appeals of Texas, 2014)
Mims-Brown, Rhonda v. Brown, Bessie R.
428 S.W.3d 366 (Court of Appeals of Texas, 2014)
Jose Fuentes Co., Inc., D/B/A Gloria's v. Mario Sabino's, Inc.
418 S.W.3d 280 (Court of Appeals of Texas, 2013)
Victor Lissiak, Jr. v. S.W. Loan OO, L.P.
499 S.W.3d 481 (Court of Appeals of Texas, 2016)

Cite This Page — Counsel Stack

Bluebook (online)
Qualon Douglas v. Farmers Insurance Federal Credit Union, Counsel Stack Legal Research, https://law.counselstack.com/opinion/qualon-douglas-v-farmers-insurance-federal-credit-union-texapp-2022.