U.S. Bank Natl. Assn. v. Harper

2020 Ohio 4674
CourtOhio Court of Appeals
DecidedSeptember 30, 2020
Docket19CA011499
StatusPublished
Cited by4 cases

This text of 2020 Ohio 4674 (U.S. Bank Natl. Assn. v. Harper) is published on Counsel Stack Legal Research, covering Ohio Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
U.S. Bank Natl. Assn. v. Harper, 2020 Ohio 4674 (Ohio Ct. App. 2020).

Opinion

[Cite as U.S. Bank Natl. Assn. v. Harper, 2020-Ohio-4674.]

STATE OF OHIO ) IN THE COURT OF APPEALS )ss: NINTH JUDICIAL DISTRICT COUNTY OF LORAIN )

U.S. BANK NATIONAL ASSOCIATION, C.A. No. 19CA011499 as Trustee under Pooling and Servicing Agreement dated as of September 1, 2006 MASTR Asset-Backed Securities Trust 2006-NC2 Mortgage Pass-Through APPEAL FROM JUDGMENT Certificates, series 2006-NC2 ENTERED IN THE COURT OF COMMON PLEAS Appellee COUNTY OF LORAIN, OHIO CASE No. 18CV195663 v.

MEGAN E. HARPER, et al.

Appellant

DECISION AND JOURNAL ENTRY

Dated: September 30, 2020

SCHAFER, Judge.

{¶1} Defendant-Appellant, Jerry Harper, appeals the judgment of the Lorain County

Court of Common Pleas granting summary judgment to Plaintiff-Appellee, U.S. Bank National

Association, as Trustee under Pooling and Servicing Agreement dated as of September 1, 2006

MASTR Asset-Backed Securities Trust 2006-NC2 Mortgage Pass-Through Certificates, Series

2006-NC2 (“U.S. Bank”), on its complaint in foreclosure. For the reasons that follow, this Court

reverses the trial court’s judgment in part, and remands.

I.

{¶2} U.S. Bank filed a complaint for foreclosure on July 5, 2018, in the Lorain County

Court of Common Pleas. The complaint asserts Megan Harper, Mr. Harper’s wife, defaulted on a 2

note and seeks to foreclose on the mortgage securing U.S. Bank’s interest in the property subject

to the mortgage. The Harpers1 thereafter filed a litany of pro se motions appearing to challenge

the complaint in several respects. The trial court construed one said filing—a “request for quash

and vacate complaint”—as the Harpers’ answer to U.S. Bank’s complaint.

{¶3} Following a pretrial hearing, a magistrate issued an order setting a dispositive

motion deadline of November 30, 2018, and stating that any brief in opposition to a dispositive

motion would be due within 21 days of the filing of the dispositive motion. The order further

stated that any reply to a brief in opposition would be due within 14 days of the brief in opposition.

{¶4} U.S. Bank filed its motion for summary judgment on November 29, 2018. On

December 13, 2018, the Harpers filed a purported counterclaim and a “motion for summary

judgment on objection of proof of claim & statute of limitations.” U.S. Bank then filed a brief in

opposition to the Harpers’ motion for summary judgment and moved to strike the counterclaim.

The Harpers filed a response to U.S. Bank’s motion to strike and a response to U.S. Bank’s brief

in opposition to the Harper’s motion for summary judgment.

{¶5} On March 12, 2019, U.S. Bank filed a notice of filing a supplemental affidavit in

support of its motion for summary judgment. Despite being filed beyond the dispositive motion

deadline, U.S. Bank filed this notice without leave of court.

{¶6} On March 22, 2019, the trial court issued a journal entry granting U.S. Bank’s

motion for summary judgment, entering judgment on the note, and ordering foreclosure of the

property at issue. In the journal entry, the trial court states that it construed the Harper’s motion

for summary judgment as a brief in opposition to U.S. Bank’s motion for summary judgment. That

1 It is unclear, upon a review of the trial court record, whether these motions were filed by both Mr. and Mrs. Harper. The trial court, however, treated the filings as if they had been filed by both and neither the Harpers nor U.S. Bank objected. 3

same day, the trial court issued a second journal entry granting U.S. Bank’s motion to strike the

Harper’s counterclaim.

{¶7} Mr. Harper filed this timely appeal, raising six assignments of error for our review.

We elect to consider Mr. Harper’s assignments of error out of order because our resolution of

assignment of error three renders assignments of error two, four, and six moot.

II.

Assignment of Error I

The [l]ower [c]ourt erred when it ignored UCC [g]uidelines governing [the Harpers’] [l]awful [n]otices and multiple attempts to “[p]ay the [d]ebt in [f]ull” to which [U.S. Bank] ignored and failed to respond.

{¶8} In his first assignment of error, Mr. Harper contends the trial court erred in granting

summary judgment to U.S. Bank because it did not address the Harpers’ claim that they had

attempted to settle this matter, but the loan servicer ignored their settlement notices in violation of

the Uniform Commercial Code. Mr. Harper appears to argue that because the loan servicer did

not respond to settlement offers related to the debt evidenced by the promissory note, U.S. Bank

lacked standing to bring suit to enforce the note.

{¶9} As an initial matter, we must address whether Mr. Harper has standing to raise this

assignment of error. Upon review of the initial filings in this appeal, this Court concluded that the

appeal was not properly perfected for both Mrs. and Mr. Harper because the notice of appeal bears

only one signature. See R.C. 4705.01 (only a licensed attorney may represent or file documents

on behalf of another party in this Court); see also Hineman v. Brown, 11th Dist. Trumbull No.

2002-T-0006, 2003-Ohio-926, ¶ 28-30 (Grendell, J. concurring) (stating that “each appellant,

acting pro se, must be named in the text of the notice of appeal and personally sign the notice of

appeal and appellate briefs. Otherwise, the signing of the notice of appeal by one non-lawyer pro 4

se individual on behalf of another pro se individual would constitute the unauthorized practice of

law.”). Consequently, this Court ordered the appellant to file a response stating who signed the

notice of appeal and was, therefore, the proper appellant in this matter. Mr. Harper subsequently

filed a response indicating that he had signed the notice of appeal. As a result, this Court concluded

that Megan Harper did not perfect an appeal with this Court and dismissed the appeal initiated by

Mr. Harper on her behalf.

{¶10} The issue of Mr. Harper’s standing to raise this assignment of error stems from the

fact that he was not a party to the promissory note and the trial court did not enter judgment against

him on U.S. Bank’s claim to enforce the note. The Supreme Court of Ohio has “long recognized

that an action for a personal judgment on a promissory note and an action to enforce mortgage

covenants are ‘separate and distinct’ remedies.” Deutsche Bank National Trust Co. v. Holden, 147

Ohio St.3d 85, 2016-Ohio-4603, ¶ 25. “‘The right to proceed, in equity, to enforce the mortgage

lien, and the right to proceed, at law, to collect the mortgage debt, are different but concurrent

remedies.’” Id. quoting Giddings v. Barney, 31 Ohio St. 80, 82 (1876). “The person entitled to

enforce the note pursuant to R.C. 1303.31 has standing to seek a personal judgment against the

promisor on that obligation, while the mortgagee or its successor and assign has standing to

foreclose on the mortgage.” Id. at ¶ 35.

{¶11} In this case, the trial court entered a personal judgment against Megan Harper and

in favor of U.S. Bank on its claim alleging Megan Harper had defaulted on the note. The trial

court then found that to secure payment of the note, both Mrs. Harper and Mr. Harper executed

and delivered the mortgage described in the second count of U.S. Bank’s complaint, thereby

conveying a mortgage interest in the property at issue. The trial court further found that the

mortgage was duly filed with the Recorder of Lorain County, the conditions of the mortgage had 5

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