The Bank of New York Mellon v. Gouda

CourtDistrict Court, M.D. Florida
DecidedMarch 14, 2025
Docket6:23-cv-02246
StatusUnknown

This text of The Bank of New York Mellon v. Gouda (The Bank of New York Mellon v. Gouda) is published on Counsel Stack Legal Research, covering District Court, M.D. Florida primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
The Bank of New York Mellon v. Gouda, (M.D. Fla. 2025).

Opinion

UNITED STATES DISTRICT COURT MIDDLE DISTRICT OF FLORIDA ORLANDO DIVISION

THE BANK OF NEW YORK MELLON,

Plaintiff,

v. Case No: 6:23-cv-2246-JSS-LHP

MICHAEL GOUDA, COMERICA BANK, TRUIST, GREENSPOON MARDER, P.A., and CITY OF WINTER PARK, FLORIDA,

Defendants. ___________________________________/ ORDER Plaintiff, The Bank of New York Mellon, has filed a notice purporting to dismiss a count against Defendant Michael Gouda without prejudice under Federal Rule of Civil Procedure 41(a)(1)(A)(i). (Dkt. 46.) Gouda has filed a motion to quash service and to dismiss the complaint with prejudice under Federal Rule of Civil Procedure 12(b)(5). (Dkt. 58.) Plaintiff opposes Gouda’s motion and requests an award of legal fees. (Dkt. 61.) The magistrate judge recommends that the court construe Plaintiff’s purported notice as a motion to amend the complaint and grant the construed motion, deny Gouda’s motion and order Gouda to answer the complaint, and deny Plaintiff’s request for legal fees. (Dkt. 72.) Gouda objects to the recommendation, (Dkt. 73), and Plaintiff responds to Gouda’s objections, (Dkt. 76). Plaintiff does not object to the recommendation. (See id.) After conducting a careful and complete review of the findings and recommendations, a district judge “may accept, reject, or modify, in whole or in part, the findings or recommendations made by the magistrate judge.” 28 U.S.C.

§ 636(b)(1); see also Fed. R. Civ. P. 72. With respect to non-dispositive matters, the district judge “must consider timely objections and modify or set aside any part of the order that is clearly erroneous or is contrary to law.” Fed. R. Civ. P. 72(a); see Jordan v. Comm’r, Miss. Dep’t of Corr., 947 F.3d 1322, 1327 (11th Cir. 2020). For dispositive

matters, the district judge must conduct a de novo review of any portion of the report and recommendation to which a timely objection is made. 28 U.S.C. § 636(b)(1); Fed. R. Civ. P. 72(b)(3); United States v. Farias-Gonzalez, 556 F.3d 1181, 1184 n.1 (11th Cir. 2009) (“A district court makes a de novo determination of those portions of a magistrate’s report to which objections are filed.”). Even in the absence of a specific

objection, the district judge reviews any legal conclusions de novo. See Cooper-Houston v. S. Ry. Co., 37 F.3d 603, 604 (11th Cir. 1994); Ashworth v. Glades Cnty. Bd. of Cnty. Comm’rs, 379 F. Supp. 3d 1244, 1246 (M.D. Fla. 2019). Upon conducting a careful and complete review of the Magistrate Judge’s findings, conclusions, and recommendations, and giving de novo review to matters of law, the court overrules

Gouda’s objections and adopts the recommendation. BACKGROUND Plaintiff sues to foreclose on Gouda’s property. (Dkt. 1.) Plaintiff alleges that in May 2003, Gouda signed and delivered to non-party Wells Fargo Home Mortgage, Inc. a promissory note for $2.5 million secured by a mortgage on the property. (Id. at 3–4; see Dkts. 1-2, 1-3.) Two years later, Plaintiff claims, Gouda entered into a modification pursuant to an agreement containing clerical errors. (Dkt. 1 at 4, 9–10;

see Dkt. 1-4.) Plaintiff allegedly holds the note, mortgage, and modification (collectively, the loan documents). (Dkt. 1 at 4–5; see Dkt. 1-5.) Plaintiff asserts that Gouda “defaulted . . . by . . . failing to remit the payment due on September 1, 2011, and all subsequent payments” and that he “failed to cure the default” despite Plaintiff’s

written notices informing him of his opportunity to cure. (Dkt. 1 at 5; Dkt. 1-7.) On November 20, 2023, Plaintiff initiated this action against Defendants (and other parties who have since been terminated) by filing a verified complaint (Dkt. 1) and a notice of lis pendens (Dkt. 2). The complaint contains three counts: foreclosure of mortgage (count I), reformation of modification agreement (count II), and breach

of note (count III). (Dkt. 1 at 6–12.) In Count I’s ad damnum clause, Plaintiff “demands judgment in its favor and against all Defendants” and requests six outcomes: (1) “awarding a judgment in favor of [Plaintiff] for all sums owed to [Plaintiff] under the [l]oan [d]ocuments, including all costs and reasonable attorney[] fees”; (2) “determining that [Plaintiff] holds a lien on the [p]roperty for the total sum

of the debt claimed under the [l]oan [d]ocuments, which lien is superior to any claim or interest of all Defendants and all persons claiming by, through, under[,] or against th[ese] Defendants since the filing of the [n]otice of [l]is [p]endens”; (3) “directing that if the sum determined owed to [Plaintiff] is not paid within the time set by th[e] [c]ourt, . . . the [p]roperty be sold to satisfy [Plaintiff]’s claims”; (4) “foreclosing the [m]ortgage and the interest of all Defendants and all persons claiming under or against Defendants since the filing of the [n]otice of [l]is [p]endens”; (5) “awarding[,] in the event the proceeds from the foreclosure sale are insufficient, a deficiency judgment

against any Defendant responsible therefore”; and (6) “directing such other and further relief as th[e] [c]ourt deems just and appropriate, including, without limitation, rights of possession.” (Id. at 7–8.) In Count II’s ad damnum clause, Plaintiff “respectfully requests that th[e] [c]ourt enter judgment reforming the [m]odification [a]greement to correct” the agreement’s clerical errors so the agreement “reflect[s] the true intention

of the parties” and that the court “award any other relief deemed necessary and proper.” (Id. at 11.) In Count III’s ad damnum clause, Plaintiff “demands judgment against [Gouda] for all amounts due under the [n]ote, together with accrued interest thereon, default interest, late charges, processing fees, title search expenses, court

costs, advances, attorney[] fees, and all other amounts recoverable from [Gouda] under the [l]oan [d]ocuments.” (Id. at 11–12.) In April 2024, Plaintiff filed an unopposed motion for alternative service of process by publication on Gouda, asserting: “Gouda is the only defendant who has not been served in this action. Plaintiff has made good faith efforts and has been

diligent in its effort to effectuate service of process on . . . Gouda, to no avail. Service . . . has been delayed due to the evasion of service by . . . Gouda.” (Dkt. 33 at 2.) The magistrate judge denied the motion without prejudice and noted that “Florida law does not allow service by publication where the plaintiff is bringing an in personam action for damages.” (Dkt. 45 at 4 (quoting Deutsche Bank Nat’l Tr. Co. v. Taylor, No. 22-cv-60133, 2022 U.S. Dist. LEXIS 62841, at *3 (S.D. Fla. Apr. 4, 2022)).) In response, Plaintiff filed the instant notice purporting to dismiss Count III (Dkt. 46) and renewed its motion for alternative service (Dkt. 47). The magistrate judge again denied

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