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Florida Zippo, Inc. v. Prudential Insurance Co. of America

Citations: 579 So. 2d 192; 1991 Fla. App. LEXIS 3541; 1991 WL 55701Docket: No. 90-1594

Court: District Court of Appeal of Florida; April 16, 1991; Florida; State Appellate Court

Narrative Opinion Summary

Florida Zippo, Inc. appeals a partial summary judgment of foreclosure, which is affirmed. The court reiterates that only a debtor has the authority to grant a lender the power to accelerate a debt, referencing Morse v. City Federal Savings and Loan Association. Furthermore, acceleration of the debt occurs only when the lender's option is exercised effectively, as established in David v. Sun Federal Savings and Loan Association. The court's decision is upheld.

Legal Issues Addressed

Authority to Grant Lender Power to Accelerate Debt

Application: The court affirms that only a debtor has the authority to grant a lender the power to accelerate a debt.

Reasoning: The court reiterates that only a debtor has the authority to grant a lender the power to accelerate a debt, referencing Morse v. City Federal Savings and Loan Association.

Effective Exercise of Lender's Option to Accelerate Debt

Application: The court highlights that the acceleration of the debt occurs only when the lender's option is exercised effectively.

Reasoning: Furthermore, acceleration of the debt occurs only when the lender's option is exercised effectively, as established in David v. Sun Federal Savings and Loan Association.