Wilmington Savings Fund Society, FSB v. Carlus Buckles and Rita Sanford a_k_a Rita S. Sanford Buckles

CourtLouisiana Court of Appeal
DecidedSeptember 24, 2025
Docket2025 CA 0132
StatusUnknown

This text of Wilmington Savings Fund Society, FSB v. Carlus Buckles and Rita Sanford a_k_a Rita S. Sanford Buckles (Wilmington Savings Fund Society, FSB v. Carlus Buckles and Rita Sanford a_k_a Rita S. Sanford Buckles) is published on Counsel Stack Legal Research, covering Louisiana Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Wilmington Savings Fund Society, FSB v. Carlus Buckles and Rita Sanford a_k_a Rita S. Sanford Buckles, (La. Ct. App. 2025).

Opinion

STATE OF LOUISIANA

COURT OF APPEAL

FIRST CIRCUIT

JA 2025 CA 0132

WILMINGTON SAVINGS FUND SOCIETY, FSB, D/B/ A CHRISTIANA TRUST, NOT INDIVIDUALLY BUT AS TRUSTEE FOR PRETIUM MORTGAGE ACQUISITION TRUST

VERSUS

ARLUS BUCKLES AND RITA SANFORD A/K/A RITA S. SANFORD BUCKLES

JUDGMENT RENDERED: SEP 2 4 2025

Appealed from the Nineteenth Judicial District Court Parish of East Baton Rouge - State of Louisiana Docket Number 731, 000 - Section 22

The Honorable Beau Higginbotham, Presiding Judge

Carlus Buckles APPELLANT Baton Rouge, Louisiana DEFENDANT— Pro Se

Zachary Garrett Young COUNSEL FOR APPELLEE John C. Morris III PLAINTIFF— Wilmington Savings Allison J. Sabine Fund Society, FSB, d/ b/ a Christiana Ashley E. Morris Trust, not individually but as trustee Candace Ann Courteau for Pretium Mortgage Acquisition Elizabeth Crowell Price Trust George B. Dean, Jr. Monroe, Louisiana

BEFORE: MILLER, EDWARDS, AND FIELDS, JJ. EDWARDS, J.

Pro se defendant appeals a judgment of the district court that denied his " Rule

to Show Cause Why Foreclosure Judgment Should Not Be Declared Null and Void

as a Matter of Law or Otherwise Declared an Absolute Nullity" and " Motion for

Preliminary Injunction [ Under] La. Code Civil Procedure Article 3601." We

consider that portion of the district court's judgment that denied defendant' s motion

for preliminary injunction pursuant to our appellate jurisdiction, and we consider

that portion of the judgment that denied defendant' s rule to show cause why

foreclosure judgment should not be declared null and void as a matter of law

pursuant to our supervisory jurisdiction. For the following reasons, we affirm the

district court' s judgment and grant the defendant' s writ application but deny relief.

On January 16, 2007, Carlus Buckles and Rita Sanford executed a promissory

note in the principal sum of $229, 500.00. 1 On or about the same date, Buckles and

Sanford executed a mortgage securing the note and encumbering property located

on Hedgewood Drive in Baton Rouge. After Buckles and Sanford allegedly

defaulted on the note and mortgage, Wilmington Savings Fund Society, FSB, d/ b/ a

Christiana Trust, not individually but as trustee for Pretium Mortgage Acquisition

Trust (" Wilmington") filed a petition to enforce security interest by ordinary process

on April 14, 2023, at the 19th Judicial District Court.

A citation was issued for service to both Buckles and Sanford. The East Baton

Rouge Parish Sheriff made several attempts to serve Buckles at the Hedgewood

Drive address but was unsuccessful.2 After a skip trace, Wilmington discovered

1 The note was initially signed in favor of Resmae Mortgage Corporation. The mortgage was eventually reassigned to Wilmington Savings Fund Society, FSB, d/ b/a Christiana Trust, not individually but as trustee for Pretium Mortgage Acquisition Trust.

2 Sanford filed an answer in response to the petition on June 21, 2023, wherein she alleged that she no longer owns the Hedgewood Drive property. Wilmington filed a motion to dismiss Sanford,

2 another address for Buckles (" W. Johnson Street"), and Wilmington then requested

service for Buckles at the newly discovered address. A deputy sheriff completed

domiciliary service of Wilmington' s petition on Buckles through a relative

Theresa") at the W. Johnson Street address on September 28, 2023, and the

Sheriffs return was filed into the record.

Buckles' 21 -day period to file a responsive pleading to Wilmington' s petition

lapsed, and as a result, Wilmington filed a motion for confirmation of default

judgment against Buckles. Wilmington attached the affidavit of Korey McGovern,

document execution specialist for the servicer of Buckles' mortgage, who attested

to the amount due under the note; that the note has been lost, misplaced, or destroyed

and cannot be located despite " diligent effort"; and that she published an

advertisement regarding the missing note in the newspaper on October 24, 2023.

Wilmington also attached the affidavit of its attorney, Candace A. Courteau, who

stated that she did not receive a response to the advertisement in the newspaper

4 regarding the whereabouts of the promissory note. Courteau also averred that

service was made on Buckles on September 28, 2023.

The district court scheduled a hearing on the motion for confirmation of

default judgment on April 8, 2024. On that date, the district court rendered judgment

in favor of Wilmington and against Buckles as follows: ( 1) principal of $216, 608. 22

and deferred principal of $49, 992. 77 with interest of $11, 352. 68 through November

231 2023, and thereon at 4. 0% per annum until paid; ( 2) charges for payment of taxes,

and she was subsequently dismissed from the proceeding by order ofthe district court dated August 15, 2023.

3 Domiciliary service is made when a proper officer leaves the citation or other process at the dwelling house or usual place of abode of the person to be served with a person of suitable age and discretion residing in the domiciliaiy establishment. La. C. C. P. art. 1234.

4 Other attachments to the motion for confirmation of default include a certification of the Clerk of Court attesting that the record was examined and that no answer or other opposition was filed by Buckles and an affidavit as to military service.

91 insurance, inspections, and any additional amounts accruing thereafter through the

sale; and ( 3) expenses and costs incurred in enforcing the note and mortgage,

including reasonable attorney' s fees. The default judgment further provided that

Wilmington' s right to enforce the judgment is " IN REM ONLY" against Buckles.

A deputy sheriff completed domiciliary service of the default judgment on

Buckles, again through Theresa at the W. Johnson Street address, on April 22, 2024,

and the Sheriff' s return was filed into the record. On June 10, 2024, the Sheriff

seized the Hedgewood Drive property pursuant to a writ of fieri facial issued by the

19th Judicial District Court, and a Sheriff' s sale was scheduled for August 21, 2024.

On August 1, 2024, Buckles filed two separate pleadings: a " Motion for

Preliminary Injunction [ Under] La. Code Civil Procedure Article 3601" and a " Rule

to Show Cause Why Foreclosure Judgment Should Not Be Declared Null and Void

as a Matter of Law or Otherwise Declared an Absolute Nullity" (" motion to annul").

In the motion to annul, Buckles alleged that he was not served with Wilmington' s

petition. According to Buckles, he did not live at the W. Johnson Street address on

or around September 28, 2023, when domiciliary service was allegedly made at the

W. Johnson Street address. Therefore, Buckles argued the April 8, 2024 default

judgment should be declared " null and void or otherwise an absolute [ n] ullity" and

that all " legal orders, judgments[,] and/ or decrees originating therefrom [ are]

likewise null and void as a matter of [ flaw[,]" including the writ of fieri facias.

Buckles also stated that Wilmington was aware of his current address and that he

was in the process of executing a loan modification plan in March 2024. For these

reasons, Buckles also filed the motion for preliminary injunction to request that the

district court halt the scheduled Sheriff' s sale of the Hedgewood Drive property and

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Wilmington Savings Fund Society, FSB v. Carlus Buckles and Rita Sanford a_k_a Rita S. Sanford Buckles, Counsel Stack Legal Research, https://law.counselstack.com/opinion/wilmington-savings-fund-society-fsb-v-carlus-buckles-and-rita-sanford-lactapp-2025.