Bank of N.Y. Mellon v. Stallbaum, Case No. 5D16–3718

• Decision Date: 01 December 2017
• Docket Number: Case No. 5D16–3718
• Parties: BANK OF NEW YORK MELLON f/k/a Bank of New York, as Successor in Interest to JPMorgan Chase Bank, N.A., as Trustee for Structured Asset Mortgage Investments II, Inc., Bear Stearns Alt–A Trust, etc., Appellant, v. Daniel STALLBAUM, Appellee.
• Court: Florida District Court of Appeals

230 So.3d 1271

BANK OF NEW YORK MELLON f/k/a Bank of New York, as Successor in Interest to JPMorgan Chase Bank, N.A., as Trustee for Structured Asset Mortgage Investments II, Inc., Bear Stearns Alt–A Trust, etc., Appellant,

v.Daniel STALLBAUM, Appellee.

Case No. 5D16–3718

District Court of Appeal of Florida, Fifth District.

Opinion filed December 1, 2017

J Kirby McDonough and Michael J. Labbee, of Quarles & Brady LLP, Tampa, for Appellant.

Mark P. Stopa, of Stopa Law Firm, Tampa, for Appellee.

ORFINGER, J.

Bank of New York Mellon f/k/a Bank of New York as Successor in Interest to JP Morgan Chase Bank, N.A. as Trustee for Structured Asset Mortgage Investments II, Inc., Bear Stearns Alt–A Trust, Etc. ("Bank") appeals the trial court's summary final judgment dismissing Bank's foreclosure complaint based on the statute of limitations. We reverse.

In this case, the complaint, filed on March 3, 2015, alleged that the "Note and Mortgage are in default in that the payment due March 1, 2010 and all subsequent payments have not been made." The court granted summary judgment in favor of the borrower, Daniel Stallbaum, and dismissed the complaint, ruling that the action was time-barred because the initial default occurred more than five years before the foreclosure action was filed. Because the complaint alleged a continuous state of default that included acts of default occurring within the five-year period, the statute of limitations did not bar the complaint. See U.S. Bank N.A. v. Diamond, 228 So.3d 177, 178 (Fla. 5th DCA Sept. 1, 2017) (holding that January 2015 foreclosure complaint, alleging that borrower defaulted on October 2009 payment and that "all subsequent payments had not been made" was not barred by statute of limitations as lender proved that borrower's "default was continuing because [borrower] failed to make any mortgage payments following the initial default date" up to time complaint was filed); Klebanoff v. Bank of N.Y. Mellon, 228 So.3d 167, 167–69 (Fla. 5th DCA June 30, 2017) (holding that June 2014 foreclosure complaint that alleged borrower defaulted on March 2009 payment and "all subsequent payments due thereafter" was not barred by statute of limitations because it alleged mortgage "was in a continuous state of default, which included defaults within the five-year statute of limitations ... even if the initial default was alleged to have occurred more than five years prior to the filing of the complaint");¹ cf. Hicks v. Wells Fargo Bank, N.A., 178 So.3d 957, 958–59 (Fla. 5th DCA 2015) (holding that complaint was barred by statute of limitations even though it alleged continuous state of default because parties stipulated before trial that complaint was...