Steven Armbruster v. Deutsche Bank National Trust Company and Juanita Strickland
03-15-00382-CV
| Tex. App. | Nov 13, 2015Background
- Armbruster borrowed $151,000 in 2004 from New Century and executed a promissory note and deed of trust securing real property in Round Rock, TX.
- New Century assigned the note to Deutsche Bank National Trust Company, as Indenture Trustee for New Century Home Equity Loan Trust 2004-2; Deutsche Bank holds the indorsed original note.
- New Century’s servicing business was sold in 2007 in bankruptcy to Carrington Mortgage Services, LLC; limited powers of attorney from New Century, its liquidating trustee, and Deutsche Bank authorize Carrington to act as mortgage servicer and attorney-in-fact.
- Carrington sent notices of default, acceleration, and foreclosure; Deutsche Bank purchased the property at the foreclosure sale.
- Armbruster sued claiming the foreclosure was void (challenging the assignment and Carrington’s authority); the trial court granted appellees’ traditional and no-evidence summary judgment.
- On appeal Armbruster argues, for the first time, that the summary-judgment record does not show Carrington was the servicer; appellees contend that issue was waived and the evidence conclusively establishes Carrington’s servicer status.
Issues
| Issue | Plaintiff's Argument | Defendant's Argument | Held |
|---|---|---|---|
| Whether appellant can raise on appeal that Carrington was not the mortgage servicer when that issue was not presented to the trial court | Armbruster contends the record lacks evidence that Carrington was the servicer, so summary judgment should be reversed | Appellees argue the servicer issue was not raised in writing or at the hearing and is therefore waived under Tex. R. Civ. P. 166a(c) | Issue is waived — appellant failed to present it to the trial court in written response or at hearing |
| Whether the summary-judgment evidence shows Carrington was the mortgage servicer | Armbruster asserts there is insufficient evidence in the summary-judgment record establishing Carrington as servicer | Appellees point to bankruptcy sale approval, limited powers of attorney, Deutsche Bank’s authorization, Carrington’s sworn testimony, and Carrington’s default/acceleration/notice letters | The record conclusively shows Carrington serviced the loan; appellees entitled to summary judgment (trial court’s judgment should be affirmed) |
Key Cases Cited
- Bradley v. State ex rel. White, 990 S.W.2d 245 (Tex. 1999) (summary judgment affirmed if any ground in motion supports judgment)
- Nixon v. Mr. Prop. Mgmt. Co., 690 S.W.2d 546 (Tex. 1985) (movant’s burden on traditional summary judgment)
- McConnell v. Southside Indep. Sch. Dist., 858 S.W.2d 337 (Tex. 1993) (non-movant must expressly present issues in written response to avoid waiver)
- City of Houston v. Clear Creek Basin Authority, 589 S.W.2d 671 (Tex. 1979) (appellate review of issues actually presented to trial court)
- Travis v. City of Mesquite, 830 S.W.2d 94 (Tex. 1992) (issues not presented to trial court by written motion/answer/response cannot be raised on appeal)
