Capital City Developers, LLC v. Bank of North Georgia, 316 Ga. App. 624

Bank of North Georgia sued Capital City Developers, LLC; Anderson Avenue Partners, LLC; Giles Properties, LP; and Benjamin Michael Giles, plus guarantors for 24 notes and guaranties.
Trial court granted summary judgment on liability and entered final judgment for $3,288,969.08 in principal, interest, and fees.
On appeal, Appellants challenged estoppel defenses and argued Bank failed to prove amounts owed with admissible evidence.
Bank submitted David O’Rear affidavit and printouts claiming current balance, interest, late charges, and fees; Appellants objected that summaries lacked underlying records and were inadmissible.
Court found Bank failed to establish damages with admissible evidence due to missing underlying records and mischaracterized summaries, affirmed liability but reversed damages and remanded.
Court also held estoppel defenses fail as a matter of law because notes and guaranties contain integration and no written consent to modifications; summary judgment on liability affirmed.

Issue	Plaintiff's Argument	Defendant's Argument	Held
Whether Bank met the damages burden with admissible evidence	Bank	Appellants	Damages reversed; liability affirmed; remand for proper damages determinations
Whether estoppel defenses barred summary judgment	Bank	Appellants	Estoppel defenses rejected; summary judgment proper on liability

Shropshire v. Alostar Bank of Commerce, 314 Ga. App. 310 (2012) (evidentiary issues and reliance in estoppel contexts)
Jenkins v. Wachovia Bank, NA., 309 Ga. App. 562 (2011) (summary judgment standards and evidence sufficiency)
Patterson v. Bennett Street Properties, 314 Ga. App. 896 (2012) (detrimental reliance and estoppel requirements)
Griffin v. State Bank of Cochran, 312 Ga. App. 87 (2011) (enforceability of integration clauses and reliance)
Medders v. Smith, 245 Ga. App. 323 (2000) (estoppel requirements and good faith reliance)