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Fincher v. Fleet Mortgage Group, Inc.

Citations: 251 Ga. App. 757; 555 S.E.2d 120; 2001 Fulton County D. Rep. 3017; 2001 Ga. App. LEXIS 1129Docket: A01A1296

Court: Court of Appeals of Georgia; October 5, 2001; Georgia; State Appellate Court

Narrative Opinion Summary

In this case, the appellant sought an interlocutory injunction to prevent dispossession following foreclosure proceedings initiated by the lender after the appellant defaulted on a mortgage loan. The appellant and her husband had purchased a property with a loan secured by a deed and promissory note. Upon default, Fleet Mortgage Group, as the successor to the original lender, executed a foreclosure and subsequently acquired the property. The appellant, having vacated the premises, was unaware of the foreclosure and filed a claim for wrongful foreclosure and injunctive relief when dispossession was initiated. The trial court issued a temporary restraining order but denied a preliminary injunction, citing the appellant's low likelihood of success at trial. The appellant's failure to post a supersedeas bond resulted in the dismissal of her appeal as moot since the dispossession had already taken place. The court did not address the legality of the foreclosure sale, leaving open the possibility of further litigation regarding compliance with statutory obligations of the power of sale. The appeal was dismissed, with evidence outside the record considered for mootness determination. Judges Blackburn and Mikell concurred in the October 5, 2001 decision.

Legal Issues Addressed

Consideration of Evidence for Mootness

Application: The court may consider evidence outside the record when determining mootness of an appeal.

Reasoning: The court can consider evidence outside the record for mootness determinations.

Mootness of Appeal

Application: The appeal was dismissed because the appellant did not secure a supersedeas, rendering the appeal moot after the dispossession occurred.

Reasoning: Her appeal was deemed moot because she did not secure a supersedeas, which is necessary to prevent the appeal from becoming moot when the action sought to be enjoined has already occurred.

Requirements for Injunctive Relief

Application: The trial court denied the preliminary injunction as the appellant was unlikely to succeed at trial, failing to meet the standard for injunctive relief.

Reasoning: The trial court granted a temporary restraining order but denied the preliminary injunction, concluding Fincher was unlikely to succeed at trial.

Wrongful Foreclosure Claims

Application: The appellant's amended complaint included claims for wrongful foreclosure, seeking either damages or equitable relief.

Reasoning: Fincher’s amended complaint seeks either damages or equitable relief for wrongful foreclosure, with the possibility of litigation regarding compliance with the statutory obligations of the power of sale outlined in OCGA § 23-2-114.