Lance Acceptance Corporation v. Claudio, Unpublished Decision (7-2-2002)
Lance Acceptance Corporation v. Claudio, Unpublished Decision (7-2-2002)
Opinion of the Court
{¶ 3} On July 5, 2002, Appellee filed a complaint in the Lorain Municipal Court for a deficiency judgment, seeking $6007.27, plus interest, as due and owing on the contract. Claudio filed an answer, admitting that she fell behind in her payments and denying the remaining allegations. Claudio raised the defense that Appellee violated R.C.
{¶ 5} Pursuant to Civil Rule 56(C), summary judgment is proper if:
"(1) No genuine issue as to any material fact remains to be litigated; (2) the moving party is entitled to judgment as a matter of law; and (3) it appears from the evidence that reasonable minds can come to but one conclusion, and viewing such evidence most strongly in favor of the party against whom the motion for summary judgment is made, that conclusion is adverse to that party." Temple v. Wean United, Inc. (1977),
{¶ 6} To prevail on a motion for summary judgment, the party moving for summary judgment must be able to point to evidentiary materials that show that there is no genuine issue as to any material fact, and that the moving party is entitled to judgment as a matter of law. Dresher v. Burt (1996),
{¶ 7} Claudio argues that the trial court erred when it granted summary judgment to Appellee because there were genuine issues of material fact as to whether Appellee notified Claudio of the pending sale as required by R.C.
{¶ 8} R.C.
{¶ 9} R.C.
"In an action arising from a transaction in which the amount of a deficiency or surplus is in issue, the following rules apply:
"(A) A secured party is not required to prove compliance with sections
"(B) If the secured party's compliance is placed in issue, the secured party has the burden of establishing that the collection, enforcement, disposition, or acceptance was conducted in accordance with sections
{¶ 10} Accordingly, pursuant to the plain terms of the statute, Appellee did not have the burden of establishing reasonable notification unless and until Claudio placed the notification at issue. As a review of the record indicates, Claudio raised the issue of proper notification in her answer to Appellee's complaint. Thus, according to R.C.
{¶ 11} Notwithstanding the dictates of R.C.
{¶ 12} In support of its motion, Appellee provided copies of various documents and an affidavit of Karen Leighty, who is identified in the motion as the custodian of the records for Appellee. Leighty's affidavit states that "she has the custody and control of the records herein and makes the within Affidavit based upon his (sic) review of said records maintained in the ordinary course of business." It further states that "she has reviewed all exhibits attached to the Plaintiff's Brief in Support of its Motion for Summary Judgment and states to the best of her knowledge and belief that those exhibits are true and accurate copies of the purported documents." The exhibits appear to be photocopies of (1) a retail installment contract and security agreement, (2) a report labeled "Customer Ledger Report," and (3) a letter addressed to Claudio with a heading of "Notice of Sale." The affidavit does not identify how many documents are attached, nor does it specifically identify any documents by exhibit letter or number.
{¶ 13} Claudio responded in opposition to the motion by arguing that the affidavit did not specifically reference or incorporate the documents, and, even if it did properly authenticate the attached documents, the affidavit and documents do not support the allegation that the notice was actually mailed to Claudio. Claudio further provided her own affidavit, in which she attested that she did not receive notice of the sale.
{¶ 14} Appellee attached to its reply brief another photocopy of the "Notice of Sale," a photocopy of an envelope addressed to Claudio, and a document which appears to be a photocopy of the retail installment contract and security agreement. These documents were not accompanied by an affidavit that referenced or incorporated the documents.
{¶ 15} Civ.R. 56(C) provides an exclusive list of materials, which the trial court may consider on a motion for summary judgment. Spier v.American Univ. of the Carribean (1981),
{¶ 16} In this case, while a document attached to Appellee's motion for summary judgment appears to be a letter addressed to Claudio with a heading of "Notice of Sale," it was not proper Civ.R. 56(C) evidence because it did not fit into one of the categories of evidentiary materials listed in Civ.R. 56(C) and it had not been incorporated and referenced in a properly framed affidavit pursuant to Civ.R. 56(E). Moreover, neither the document itself nor the affidavit provides a statement to the effect that the notice had actually been sent to Claudio.
{¶ 17} We must also review the documents submitted in Appellee's reply brief in support of its motion for summary judgment. The envelope attached to Appellee's reply brief was not proper Civ.R. 56(C) evidence because it did not meet any of the categories of evidence listed in Civ.R. 56(C), and it had not been incorporated and referenced in a properly framed affidavit. Nevertheless, "if the opposing party fails to object to improperly introduced evidentiary materials, the trial court may, in its sound discretion, consider those materials in ruling on the summary judgment motion." Christe v. G.M.S. Mgt. Co., Inc. (1997),
{¶ 18} Reply briefs are usually limited to matters in rebuttal, and a party may not raise new issues for the first time. "Otherwise, a litigant may resort to summary judgment by ambush." Hahn v. Wayne Cty.Children Services (May 9, 2001), 9th Dist. No. 00CA0029. However, we need not decide whether Appellee improperly raised new material or submitted non-Civ.R. 56(C) evidence in its reply brief because such evidence, even if it was considered by the trial court, did not demonstrate the absence of a genuine issue of material fact.
{¶ 19} The photocopy of the envelope indicates that the envelope had been mailed via certified mail to "Carmen Claudio 2256 Lorain Dr." The remainder of the address is undecipherable. The envelope appears to be stamped "Return to Sender — Unclaimed." The copy of the "Notice of Sale" addressed to Claudio indicates a certified mail parcel number. The same number appears on the photocopy of the envelope. Appellee essentially argued in its reply brief that the presence of identical certified mail numbers on the two documents proved that the envelope contained the "Notice of Sale" letter. However, there is no evidence that the "Notice of Sale" was mailed in that particular envelope, nor is there any evidence that any document was mailed in that envelope. The materials submitted by Appellee simply do not demonstrate that notification was made.
{¶ 20} Accordingly, based upon the evidence presented, Appellee did not meet its initial Dresher burden of demonstrating that there was no genuine issue of material fact and that it was entitled to judgment as a matter of law. Claudio's first assignment of error is sustained to the extent that summary judgment was improperly granted because Appellee failed to demonstrate an absence of a genuine issue of material fact and that it was entitled to judgment as a matter of law.
{¶ 21} In her second assignment of error, Claudio argues that the summary judgment was improper because Appellee failed to comply with truth in lending laws. Our disposition of the first assignment of error renders this assignment of error moot. Therefore, we decline to address it.
Judgment reversed, and cause remanded.
BATCHELDER, J. CONCUR
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