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Hobbie, L. v. CCO Mortgage And Citizens Bank

Citation: Not availableDocket: 542 EDA 2018

Court: Superior Court of Pennsylvania; January 6, 2019; Pennsylvania; State Appellate Court

Original Court Document: View Document

Narrative Opinion Summary

In this case, the appellants challenged a summary judgment granted by the Court of Common Pleas of Monroe County in favor of CCO Mortgage and Citizens Bank. The appellants alleged that they had received negligent advice regarding a loan modification and sought to enforce a proposed modification. The proceedings began with a complaint filed by the appellants concerning a mortgage note, which had been breached due to unpaid property taxes. Despite being required to respond to the summary judgment motion by December 15, 2017, the appellants failed to do so, submitting their response after the court had already ruled. They appealed, questioning the trial court's decision and arguing that genuine issues of material fact existed and that their complaint was timely filed. The appellate court assessed the case de novo, considering whether the trial court erred or abused its discretion in granting summary judgment. Although the appellants' brief did not comply with procedural rules, the court reviewed the issues, ultimately affirming the trial court's judgment. The court found that the appellants did not provide sufficient evidence to create a genuine issue of material fact, and their response was untimely, justifying the summary judgment in favor of the appellees.

Legal Issues Addressed

Appellate Procedure Compliance

Application: Appellants' appellate brief failed to comply with procedural requirements, which could have impeded appellate review but did not in this case.

Reasoning: Appellants' appellate brief does not comply with Pennsylvania Rule of Appellate Procedure 2119(a), which mandates that each argument section must correspond to each question presented.

Response Deadline Under Pa.R.C.P. 1035.3

Application: The Appellants missed the deadline to respond to the summary judgment motion, leading to the court granting summary judgment in favor of the Appellees.

Reasoning: If the adverse party fails to respond timely, the court may grant summary judgment to the moving party at its discretion.

Statute of Limitations in Loan Modification Claims

Application: The Appellants claimed their filing was within the statute of limitations, asserting the Complaint was timely regarding the bank-related loan modification issue.

Reasoning: Appellants argue that genuine issues of material fact exist, claiming their Complaint was filed within two years of a bank-related loan modification issue and that they were not required to file until after exhausting loan modification options.

Summary Judgment Standards

Application: The court granted summary judgment in favor of the Appellees as the Appellants failed to timely respond to the motion and did not demonstrate a genuine issue of material fact.

Reasoning: The court emphasized that summary judgment is appropriate only when there are no genuine issues of material fact and the moving party is entitled to judgment as a matter of law, requiring the trial court to view facts in favor of the non-moving party.