Ayers v. CAVALRY SVP I, LLC
Decision Date | 03 October 2003 |
Citation | 876 So.2d 474 |
Parties | Carolyn A. AYERS v. CAVALRY SVP I, LLC. |
Court | Alabama Court of Civil Appeals |
John Langland, Huntsville, for appellant.
Naomi A. Cohen Ivker of Zarzaur & Schwartz, P.C., Birmingham, for appellee.
This appeal arises from the entry of a summary judgment in favor of Cavalry SVP I, LLC ("Cavalry"), in an action to recover from Carolyn A. Ayers $13,543.33, plus interest and costs, allegedly due on a credit account.
The facts in the record on appeal indicate the following. A credit-card account with U.S. Bank was opened in the name of the appellant, Ayers. U.S. Bank provided credit for the purposes of allowing the cardholder to make purchases and to obtain cash advances. Ayers made purchases and obtained cash advances on the credit account and failed to pay U.S. Bank the balance on the account.1 U.S. Bank sold the "Ayers account" to Midfirst Bank, which sought to have Ayers pay the outstanding balance due on the account. Ayers failed to pay Midfirst Bank, and Midfirst Bank transferred the account to Cavalry. Cavalry sought and obtained a summary judgment against Ayers for the sum of $16,824.90, which represented an award of $13,543.33 in principal due on the account, and $3,281.57 in interest.
In her brief on appeal, Ayers contends that the trial court erred in entering a summary judgment because, she argues, 1) Cavalry failed to properly plead a cause of action in its complaint, 2) the affidavit attached to Cavalry's motion for a summary judgment contained hearsay and was not based on the personal knowledge of the affiant, and 3) Ayers presented substantial evidence of disputed material facts making the entry of a summary judgment improper. We will address these issues separately.
Ayers first argues that Cavalry's complaint failed to properly plead a cause of action and that the trial court should have dismissed the action pursuant to Rule 12(b)(6), Ala. R. Civ. P. However, Ayers filed an answer to Cavalry's complaint on February 10, 2003. Ayers filed her Rule 12(b)(6) motion to dismiss on March 4, 2003. A party must make a Rule 12(b)(6) motion "before pleading if a further pleading is permitted." Rule 12(b), Ala. R. Civ. P. Here, Ayers did not assert her Rule 12(b)(6) motion to dismiss for failure to state a claim in her first responsive pleading to the complaint. In Trotter v. Sumner, 56 Ala.App. 87, 89, 319 So.2d 284, 285 (Ala.Civ.App.1975), this court stated:
Ayers also argues that the trial court erred in granting Cavalry's motion for a summary judgment because, Ayers argues, she demonstrated that material facts were in dispute and presented substantial evidence in rebuttal to Cavalry's summary-judgment motion. Cavalry sued Ayers seeking to recover under the theory of an account stated. Ayers alleges that Cavalry failed to present the evidence necessary to sustain a summary judgment as to the elements of a cause of action for an account stated.
A motion for a summary judgment is properly granted where there is no genuine issue of material fact and the moving party is entitled to judgment as a matter of law. Rule 56, Ala. R. Civ. P.; Bussey v. John Deere Co., 531 So.2d 860 (Ala.1988). "When the movant makes a prima facie showing that no genuine issue of material fact exists, the burden shifts to the nonmovant to present substantial evidence creating such an issue." Rutledge v. Wings of Tuscaloosa, Inc., 848 So.2d 1005, 1006 (Ala.Civ.App.2002) (citing Bass v. SouthTrust Bank of Baldwin County, 538 So.2d 794 (Ala.1989)). Evidence is "substantial" if it is of "such weight and quality that fair-minded persons in the exercise of impartial judgment can reasonably infer the existence of the fact sought to be proved." West v. Founders Life Assurance Co. of Florida, 547 So.2d 870, 871 (Ala.1989).
In reviewing a summary judgment, this court must review the record in a light most favorable to the nonmovant and must resolve all reasonable doubts against the movant. Ex parte Brislin, 719 So.2d 185 (Ala.1998). "Mere conclusory allegations or speculation that fact issues exist will not defeat a properly supported summary judgment motion, and bare argument or conjecture does not satisfy the nonmoving party's burden to offer substantial evidence to defeat the motion." Blackburn v. State Farm Auto. Ins. Co., 652 So.2d 1140, 1142 (Ala.1994).
University of South Alabama v. Bracy, 466 So.2d 148, 150 (Ala.Civ.App.1985) (citations omitted).
The first element in establishing a cause of action for an account stated requires that a statement of the account be "balanced and rendered" to the debtor. In Car Center, Inc. v. Home Indemnity Co., 519 So.2d 1319, 1323 (Ala.1988), our supreme court held that a creditor had not proven a "rendering of the statement of the account" when the creditor had "no competent testimony concerning the actual mailing of the statement." The court noted that the affidavits submitted by the plaintiff in that case did not provide facts describing the plaintiff's mailing procedures or indicate that the affiant had knowledge of the plaintiff's mailing procedures. Id. at 1323.
In the instant case, there is no evidence indicating that Cavalry properly rendered the statement of the account to Ayers. The affidavit attached to Cavalry's motion for a summary judgment does not indicate that the affiant had any knowledge of the mailing procedures used with regard to sending Ayers a statement of her account. The affidavit stated, in pertinent part:
Cavalry attached to its motion for a summary judgment invoices that contain Ayers's address. However, that evidence alone does not establish that a statement of the account was rendered to Ayers. In Car Center, the court indicated that evidence showing that a...
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