Wilmington Savings Fund Society, FSB v. Domingo. ICA s.d.o., filed 07/14/2022 [ada], 151 Haw. 356. Consolidated With Case No. CAAP-18-0000712. Motion for Reconsideration, filed 07/25/2022. ICA Order Granting in Part and Denying in Part Motion for Reconsideration, filed 08/26/2022 [ada]. ICA Amended s.d.o., filed 08/26/2022 [ada]. Application for Writ of Certiorari, filed 10/07/2022. S.Ct. Order Dismissing Application for Writ of Certiorari, filed 10/11/2022 [ada]. S.Ct. Order Accepting Application for Writ of Certiorari, filed 12/14/2022 [ada]. S.Ct. mem. op., filed 02/15/2023 [ada], 152 Haw. 164. ICA Order Dismissing Appeal as Moot, filed 06/20/2023 [ada]. Motion for Reconsideration, filed 06/20/2023. ICA Order Granting Motion for Reconsideration, filed 06/30/2023 [ada]. ICA Order Dismissing Appeal as Moot, filed 12/29/2023 [ada]. Application for Writ of Certiorari, filed 01/26/2024. S.Ct. Order Accepting Application for Writ of Certiorari, filed 03/19/2024 [ada].

CourtHawaii Supreme Court
DecidedSeptember 10, 2024
DocketSCWC-18-0000099
StatusPublished

This text of Wilmington Savings Fund Society, FSB v. Domingo. ICA s.d.o., filed 07/14/2022 [ada], 151 Haw. 356. Consolidated With Case No. CAAP-18-0000712. Motion for Reconsideration, filed 07/25/2022. ICA Order Granting in Part and Denying in Part Motion for Reconsideration, filed 08/26/2022 [ada]. ICA Amended s.d.o., filed 08/26/2022 [ada]. Application for Writ of Certiorari, filed 10/07/2022. S.Ct. Order Dismissing Application for Writ of Certiorari, filed 10/11/2022 [ada]. S.Ct. Order Accepting Application for Writ of Certiorari, filed 12/14/2022 [ada]. S.Ct. mem. op., filed 02/15/2023 [ada], 152 Haw. 164. ICA Order Dismissing Appeal as Moot, filed 06/20/2023 [ada]. Motion for Reconsideration, filed 06/20/2023. ICA Order Granting Motion for Reconsideration, filed 06/30/2023 [ada]. ICA Order Dismissing Appeal as Moot, filed 12/29/2023 [ada]. Application for Writ of Certiorari, filed 01/26/2024. S.Ct. Order Accepting Application for Writ of Certiorari, filed 03/19/2024 [ada]. (Wilmington Savings Fund Society, FSB v. Domingo. ICA s.d.o., filed 07/14/2022 [ada], 151 Haw. 356. Consolidated With Case No. CAAP-18-0000712. Motion for Reconsideration, filed 07/25/2022. ICA Order Granting in Part and Denying in Part Motion for Reconsideration, filed 08/26/2022 [ada]. ICA Amended s.d.o., filed 08/26/2022 [ada]. Application for Writ of Certiorari, filed 10/07/2022. S.Ct. Order Dismissing Application for Writ of Certiorari, filed 10/11/2022 [ada]. S.Ct. Order Accepting Application for Writ of Certiorari, filed 12/14/2022 [ada]. S.Ct. mem. op., filed 02/15/2023 [ada], 152 Haw. 164. ICA Order Dismissing Appeal as Moot, filed 06/20/2023 [ada]. Motion for Reconsideration, filed 06/20/2023. ICA Order Granting Motion for Reconsideration, filed 06/30/2023 [ada]. ICA Order Dismissing Appeal as Moot, filed 12/29/2023 [ada]. Application for Writ of Certiorari, filed 01/26/2024. S.Ct. Order Accepting Application for Writ of Certiorari, filed 03/19/2024 [ada].) is published on Counsel Stack Legal Research, covering Hawaii Supreme Court 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. Domingo. ICA s.d.o., filed 07/14/2022 [ada], 151 Haw. 356. Consolidated With Case No. CAAP-18-0000712. Motion for Reconsideration, filed 07/25/2022. ICA Order Granting in Part and Denying in Part Motion for Reconsideration, filed 08/26/2022 [ada]. ICA Amended s.d.o., filed 08/26/2022 [ada]. Application for Writ of Certiorari, filed 10/07/2022. S.Ct. Order Dismissing Application for Writ of Certiorari, filed 10/11/2022 [ada]. S.Ct. Order Accepting Application for Writ of Certiorari, filed 12/14/2022 [ada]. S.Ct. mem. op., filed 02/15/2023 [ada], 152 Haw. 164. ICA Order Dismissing Appeal as Moot, filed 06/20/2023 [ada]. Motion for Reconsideration, filed 06/20/2023. ICA Order Granting Motion for Reconsideration, filed 06/30/2023 [ada]. ICA Order Dismissing Appeal as Moot, filed 12/29/2023 [ada]. Application for Writ of Certiorari, filed 01/26/2024. S.Ct. Order Accepting Application for Writ of Certiorari, filed 03/19/2024 [ada]., (haw 2024).

Opinion

** FOR PUBLICATION IN WEST’S HAWAIʻI REPORTS AND PACIFIC REPORTER **

Electronically Filed Supreme Court SCWC-XX-XXXXXXX 10-SEP-2024 09:59 AM Dkt. 53 OPA

SCWC-XX-XXXXXXX (Consolidated with SCWC-XX-XXXXXXX)

IN THE SUPREME COURT OF THE STATE OF HAWAIʻI ________________________________________________________________

WILMINGTON SAVINGS FUND SOCIETY, FSB, DOING BUSINESS AS CHRISTIANA TRUST, NOT IN ITS INDIVIDUAL CAPACITY, BUT SOLELY AS TRUSTEE FOR BCAT 2015-14BTT, Respondent/Plaintiff-Appellee,

vs.

ISABELO PACPACO DOMINGO and MICHELE ELANOR DOMINGO, Petitioners/Defendants-Appellants,

and

BANK OF AMERICA, N.A. and HALEWILI PLACE COMMUNITY ASSOCIATION, Respondents/Defendants-Appellees. ________________________________________________________________

CERTIORARI TO THE INTERMEDIATE COURT OF APPEALS (CAAP-XX-XXXXXXX; CAAP-XX-XXXXXXX; CASE NO. 13-1-202K)

SEPTEMBER 10, 2024

RECKTENWALD, C.J., McKENNA, and EDDINS, JJ., and CIRCUIT JUDGE REMIGIO, IN PLACE OF GINOZA, J., RECUSED, AND CIRCUIT JUDGE SOUZA, IN PLACE OF DEVENS, J., RECUSED.

OPINION OF THE COURT BY McKENNA, J. ** FOR PUBLICATION IN WEST’S HAWAIʻI REPORTS AND PACIFIC REPORTER **

I. Introduction

This is the second time this foreclosure case has come to

this court on certiorari. Isabelo Pacpaco Domingo (“Mr.

Domingo”) and his wife, Michele Elanor Domingo (“Mrs. Domingo”)

(collectively, “the Domingos”) Domingos defaulted on a mortgage

refinance loan for their Kailua-Kona property. The Domingos did

not file a counterclaim to Wilmington Savings Fund Society, FSB

(“Wilmington”)’s foreclosure complaint. The Circuit Court of

the Third Circuit for the State of Hawaiʻi (“third circuit”)

issued a foreclosure judgment and ordered the property to be

sold at public auction.

The Domingos appealed the foreclosure judgment. On appeal,

the Intermediate Court of Appeals (“ICA”) granted the Domingos’

motion to stay the foreclosure judgment conditioned upon them

posting a supersedeas bond of $300,000. No supersedeas bond was

ever posted.

A judicial foreclosure sale then ensued. At public

auction, Wilmington placed the highest bid. The third circuit

confirmed the sale (“confirmation judgment”). The Domingos then

appealed the confirmation judgment, which did not assert any new

bases for appeal based on the foreclosure sale process.

Months later, however, the Domingos filed a separate

complaint for wrongful foreclosure and to quiet title in the

Circuit Court of the First Circuit for the State of Hawaiʻi

2 ** FOR PUBLICATION IN WEST’S HAWAIʻI REPORTS AND PACIFIC REPORTER **

(“first circuit”). They also filed a lis pendens in the Land

Court of the State of Hawaiʻi (“land court”). The land court

certificate of title issued to Wilmington contained an exception

for the first circuit lawsuit. Wilmington later sold the

property to BBNY REO LLC (“BBNY”) at a deeply discounted price

due to the pending lawsuit.

The ICA granted Wilmington’s motion to dismiss the

consolidated appeals from the foreclosure and confirmation

judgments, deeming the appeals moot because BBNY had purchased

the property as a good faith purchaser.

The Domingos then filed their first application for

certiorari. We held that whether BBNY was a good faith

purchaser was a factual issue to be determined by the third

circuit.

On remand, the third circuit deemed BBNY a good faith

purchaser. The ICA then dismissed the Domingos’ appeals as moot

because they had not posted the ordered supersedeas bond.

The Domingos then filed this application for writ of

certiorari. In addressing the questions raised on certiorari

and additional legal issues raised by these appeals, we hold as

follows: (1) Even if the mortgagee is the purchaser at a

judicial foreclosure sale, an appellant of a foreclosure

judgment must satisfy conditions imposed to obtain a stay

pending appeal of the foreclosure, including posting a

3 ** FOR PUBLICATION IN WEST’S HAWAIʻI REPORTS AND PACIFIC REPORTER **

supersedeas bond, in order to prevent transfer of title from the

mortgagee-purchaser to a good faith purchaser and because the

Domingos did not post the supersedeas bond ordered as a

condition of stay, Wilmington’s transfer of title was valid, as

long as it was to a good faith purchaser; (2) A purchaser who

otherwise meets good faith purchaser requirements does not lose

that status based on knowledge of a pending wrongful foreclosure

claim when the mortgagor fails to post a supersedeas bond

ordered as a condition of stay and, therefore, both BBNY and the

subsequent purchasers from BBNY were good faith purchasers; (3)

A lis pendens does not eliminate the need to post a supersedeas

bond ordered as a condition to stay an appeal of a foreclosure

judgment and the Domingos’ lis pendens does not affect the title

conveyed to the good faith purchasers; (4) The collateral

consequences exception to the mootness doctrine does not apply

because the Domingos filed their first circuit lawsuit before

our original opinion in Bank of Am., N.A. v. Reyes-Toledo, 143

Hawaiʻi 249, 428 P.3d 761 (2018) (“Reyes-Toledo II”), and their

first circuit lawsuit is an improper collateral attack on the

foreclosure and confirmation judgments; and (5) To the extent

Reyes-Toledo II suggested that the compulsory counterclaim rule

does not apply to wrongful foreclosures counterclaims, it is

overruled; but (6) If a litigant filed a separate wrongful

foreclosure lawsuit instead of a counterclaim before entry of a

4 ** FOR PUBLICATION IN WEST’S HAWAIʻI REPORTS AND PACIFIC REPORTER **

foreclosure judgment after October 9, 2018, when Reyes-Toledo II

was originally published, up until the date of this opinion,

that separate lawsuit is not subject to dismissal based on the

compulsory counterclaim rule.

Based on the reasoning above, we affirm the ICA’s December

29, 2023, published “Order Dismissing Appeal as Moot by Ginoza,

Chief Judge.”

II. Background

A. Factual background

On February 15, 2007, Mr. Domingo obtained a $625,500

mortgage refinance loan from SecurityNational Mortgage Company,

a Utah corporation. As security for the loan, the Domingos

granted a mortgage on their property in Kailua-Kona (“the

property”).

B. Foreclosure, sale, and initial appellate proceedings

On March 13, 2013, Bank of America (“BOA) filed a

foreclosure complaint in the third circuit. BOA claimed it had

taken possession of the original note on or before April 17,

2007 but admitted to losing it sometime before December 2012.

On November 25, 2016, Wilmington substituted as plaintiff.1

On December 1, 2017, Wilmington moved to foreclose. The

Domingos opposed, arguing Wilmington did not satisfy Hawaiʻi

1 The Honorable Ronald Ibarra presided.

5 ** FOR PUBLICATION IN WEST’S HAWAIʻI REPORTS AND PACIFIC REPORTER **

Revised Statutes (“HRS”) § 490:3-309 (1991)2 requirements for a

person not in possession of the note. The Domingos also filed

their own motion for summary judgment on the same basis.

After a December 27, 2017 hearing, on January 29, 2018, the

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Cite This Page — Counsel Stack

Bluebook (online)
Wilmington Savings Fund Society, FSB v. Domingo. ICA s.d.o., filed 07/14/2022 [ada], 151 Haw. 356. Consolidated With Case No. CAAP-18-0000712. Motion for Reconsideration, filed 07/25/2022. ICA Order Granting in Part and Denying in Part Motion for Reconsideration, filed 08/26/2022 [ada]. ICA Amended s.d.o., filed 08/26/2022 [ada]. Application for Writ of Certiorari, filed 10/07/2022. S.Ct. Order Dismissing Application for Writ of Certiorari, filed 10/11/2022 [ada]. S.Ct. Order Accepting Application for Writ of Certiorari, filed 12/14/2022 [ada]. S.Ct. mem. op., filed 02/15/2023 [ada], 152 Haw. 164. ICA Order Dismissing Appeal as Moot, filed 06/20/2023 [ada]. Motion for Reconsideration, filed 06/20/2023. ICA Order Granting Motion for Reconsideration, filed 06/30/2023 [ada]. ICA Order Dismissing Appeal as Moot, filed 12/29/2023 [ada]. Application for Writ of Certiorari, filed 01/26/2024. S.Ct. Order Accepting Application for Writ of Certiorari, filed 03/19/2024 [ada]., Counsel Stack Legal Research, https://law.counselstack.com/opinion/wilmington-savings-fund-society-fsb-v-domingo-ica-sdo-filed-haw-2024.