Fifth Third Bank Judgment Vs. C. Randy Lance

7/22/2019 Fifth Third Bank Judgment Vs. C. Randy Lance

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i GZWCÎGKP FGJXCKD, FFH, j eorgcdk

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& ^JRPX, CKH., j eorgcdkhorporjtcok1jk`

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ECKJKHG, CKH., HRJKG HRGGA EWK@CKD, FFH, PRWHA JHZWCXCPCOK EWK@CKD,j

FFH, KJPCOKJF PRWHA, RG^JCR & ^JRPX, CKH., JK@ H. RJK@S FJKHG,LOCKPFS JK@ XGUGRJFFSc

PMCX HJWXG hjig ok to bg mgjr` ok Jprcf 4, 2>::, upok ^fjcktceesIotcok eorEckjf

Lu`digkt ecfg` ok Egbrujry =, 2>::. Jt tmg mgjrckdjk` subsgqugkt to tmg mgjrckd,tmcsHourt

rgvcgwg` sjc` Iotcok, tmg Eorbgjrjkhg Jdrggigkt `jtg` Ijrhm 20, 2>>3, jt cssug, fjcktcees

'Pmg Hourt cs j`vcsg` tmjt subsgqugkt to tmg mgjrckd ok Jprcf 4, 2>::, @gegk`jkt,

IJRPMJ FJKHG ("Is. Fjkhg"),ecfg` eor protghtcokuk`gr tmg Wkctg` XtjtgBjkarupthy Ho`g. Js j rgsuftoe tmg bjkarupthy ecfckd,tmcsjhtcokcs stjyg` js jdjckst Is. Fjkhg. Pmcs Eckjf

Lu`digkt cs kot j eckjflu`digkt jdjckst Is. Fjkhg jk` tmcsjhtcoksmjffrgijck pgk`ckd js

jdjckst Is. Fjkhg.



Jeec`jvct oe @gejuft jk` Jioukts @ug Wk`gr Eorbgjrjkhg Jdrggigkt, @gegk`jkts'

Igiorjkùi oe Fjw ck Rgspoksg jk` Opposctcokto^fjcktcees Iotcok eorEckjfLu`digkt ecfg`

Ijrhm 8, 2>::, jk` ^fjcktceesRgpfy Igiorjkùi to @gegk`jkts' Igiorjkùi oe Fjw ck

Rgspoksg jk` Opposctcok to ^fjcktcees Iotcok eor Eckjf Lu`digkt ecfg` Jprcf 0, 2>::.

Pmgrgjetgr,tmcsHourt rgvcgwg` tmg trjkshrcptoe tmg mgjrckd.Ok Lufy :2,2>::, tmcsHourt tmgk

gktgrg` ctsOr`gr Drjktckd Iotcok eorGktry oe Lu`digkt ck ejvoroe ^fjcktcee.

Pmcs Hourt kow ijags tmgeoffowckdECK@CKDX<

:. Xgrvchg oe prohgss mjs bggk propgrfy ij`g jdjckst @gegk`jkts, G]O@WX

PRWHA XSXPGIX, CKH., JIGRCHJK GZWCÎGKP FGJXCKD, FFH, JIGRCHJK

GZWCÎGKP FGJXCKD & ECKJKHG, CKH., HRJKG HRGGA EWK@CKD, FFH, PRWHA

JHZWCXCPCOK EWK@CKD, FFH, KJPCOKJF PRWHA, RG^JCR & ^JRPX, CKH. e/a/j

KjtcokjfPruha Xjfgs& Fgjsckd,Ckh.,jk` H. RJK@S FJKHG (hoffghtcvgfyeor purposgsoe tmcs

EckjfLu`digkt, tmg "@gegk`jkts"),or mjs bggk wjcvg` jk` tmcsHourt mjs lurcs`chtcokovgr tmg

pjrtcgscktmcshjusg jk` ctssublght ijttgr.

2. Ok Ijrhm 20, 2>>3, ^fjcktceejk @gegk`jkts gktgrg` ckto j Eorbgjrjkhg

Jdrggigkt ck sgttfgigktoe tmcsjhtcok.

8. Ok Ijrhm 24, 2>>3, tmcsHourt gktgrg` ctsOr`gr oe @csicssjf Tctmout ^rglu`chg

(Xublghtto Jhtcok Bgckd Rgopgkg`), jìckcstrjtcvgfycsicssckd,wctmout prglu`chg,tmcsjhtcok,

sublghtto rgopgkckdby jky oe tmg pjrtcgsjtjky tcig ckor`grto obtjck(j)jk or`grck tmgeuturg

`csicssckdtmg jhtcok wctm prglu`chgck jhhor`jkhg wctm tmg provcscoksoe tmg Eorbgjrjkhg

Jdrggigkt or (b)j eckjflu`digkt ck tmg euturgck ejvoroe ^fjcktceegkeorhckdtmg provcscoksoe

2



tmgEorbgjrjkhg Jdrggigkt upok j `gejuft.Tctmck sjc` Or`gr,tmcsHourt spghcechjffyrgsgrvg`

lurcs`chtcokoetmcs ijttgrto gkeorhgtmg Eorbgjrjkhg Jdrggigkt smouf` tmgrgbg j `gejuft.

0. Pmgrg cs j `gejuft uk`gr tmg tgris oe tmg Eorbgjrjkhg Jdrggigkt ck tmjt

@gegk`jktsmjvg ejcfg to ijag tmg eckjf pjyigkt oe jffoutstjk`ckd prckhcpjf,jhhrug` cktgrgst,

jk` otmgreggs jk` hmjrdgs ùg jk` pjyjbfg uk`gr tmg Eorbgjrjkhg Jdrggigkt jk` tmg Fojk

@ohtukgkts(js`geckg` wctmcktmgEorbgjrjkhg Jdrggigkt) ok Ijrhm 8:,2>:>.

7. Ok Ljkujry 7,2>::, ^fjcktcee,tmroudmctshouksgf, gfcvgrg j fgttgrto@gegk`jkts

`gijk`ckd ciig`cjtg jk` euff pjyigkt oe tmgck`gbtg`kgss.

5. ^fjcktcee provc`g` @gegk`jkts wctm iorg tmjk ecvg(7) `jys kotchgoe tmg mgjrckd

ok cts Iotcok eorEckjfLu`digkt, js rgqucrg` by tmgtgrisoetmgEorbgjrjkhg Jdrggigkt.

4. Js cssgteortmcktmcsHourt'sOr`gr Drjktckd Iotcok eorGktry oe Lu`digkt `jtg`

Lufy :2,2>::, ^fjcktceecs gktctfgto gktryoe j EckjfLu`digkt "hokscstgktwctm cts Iotcok eor

EckjfLu`digkt jk` QtmgYOr`gr." Xgg Or`gr Drjktckd Iotcok eorGktry oe Lu`digkt jt p. 8.

Jhhor`ckdfy,ctcsmgrgby OR@GRG@ jk` J@LW@DG@ tmjt<

=. ^fjcktceeECEPM PMCR@ BJKA's Iotcok eorEckjfLu`digkt csDRJKPG@.

3. ^fjcktceeECEPM PMCR@ BJKA smjff mjvg jk` rghovgr eroi @gegk`jkts,

G]O@WX PRWHA XSXPGIX, CKH., JIGRCHJK GZWCÎGKP FGJXCKD, FFH,

JIGRCHJK GZWCÎGKP FGJXCKD & ECKJKHG, CKH.,HRJKG HRGGA EWK@CKD, FFH1

PRWHA JHZWCXCPCOK EWK@CKD, FFH, KJPCOKJF PRWHA, RG^JCR & ^JRPX, CKH.

efa/j Kjtcokjf Pruha Xjfgs & Fgjsckd, Ckh.,H. RJK@S FJKHG, locktfyjk` sgvgrjffy,tmg

prckhcpjfjioukt oe $0,847,705.2:, pfus jhhrug` cktgrgsttmroudmLufy :7,2>::, ck tmgjioukt oe

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8



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smjff bgjr cktgrgstjt tmg fgdjfrjtg,wmchm cs hurrgktfy5% pgr jkkui, eroi tmg `jtg oe tmcs

lu`digkt,eor wmchm fgtgxghutcokcssug.

:>. Ck j``ctcok, fjcktceeECEPM PMCR@ BJKA's cktgrgstck tmg pgrsokjf propgrty

`gshrcbg`wctmck tmg Ugrcecg` Hoipfjckt jk` tmg Fojk @ohuigkts (js `geckg` wctmck tmg

Eorbgjrjkhg Jdrggigkt) wjs pgreghtg`,jk` cs supgrcorto tmg cktgrgsthfjcig` by jky oe tmg

@gegk`jkts. Ck tmg gvgkt ^fjcktceeECEPM PMCR@ BJKA fohjtgs spghcechhoffjtgrjfoe

@gegk`jkts,G]O@WX PRWHA XSXPGIX, CKH.1 JIGRCHJKGZWCÎGKP FGJXCKD,

FFH1 HRJKG HRGGA EWK@CKD, FFH1 jk`/orPRWHA JHZWCXCPCOK EWK@CKD, FFH,

tmjthjk bg sgczg` jk` fcquc`jtg` to sjtcseytmcsEckjfLu`digkt,tmgk^fjcktcee ijy rgqugstj Trct

oe Rgpfgvckeroi tmg Hfgra oe Hourt jk` j Trct oe Rgpfgvcksmjffciig`cjtgfycssug.

::. Eor purposgs oe hjfhufjtckdtmg jioukt oe jttorkgys'eggs jwjr`g` to ^fjcktcee

ECEPM PMCR@ BJKA, tmg Hourt mjs hoksc`grg tmgEorbgjrjkhg Jdrggigkt jk` cts provcscokoe

fcquc`jtg` jttorkgy'seggs.Pmg totjfoe $0,>>>.>>ckjttorkgys'eggscsrgjsokjbfg.

:2. Ct cs eurtmgr or`grg` jk` j`lu`dg` tmjt @gegk`jkts, G]O@WX PRWHA

XSXPGIX, CKH., JIGRCHJK GZWCÎGKP FGJXCKD, FFH, JIGRCHJK GZWCÎGKP

FGJXCKD & ECKJKHG, CKH., HRJKG HRGGA EWK@CKD, FFH, PRWHA JHZWCXCPCOK

EWK@CKD, FFH, KJPCOKJF PRWHA, R G^JCR & ^JRPX, CKH. e/a/j KjtcokjfPruha Xjfgs&

Fgjsckd,Ckh.,jk` H. RJK@S FJKHG smjffgjhm hoipfgtg uk`gr ojtm sgpjrjtgEforc`jRufg oe

Hcvcf rohgùrgEori :.344's(EjhtCkeorijtcokXmggts),ckhfu`ckdjffrgqucrg` jttjhmigkts,jk`

sgrvgtmg hoipfgtg` eoris ok ^fjcktceesjttorkgywctmck 07 `jys eroi tmg `jtg oe tmcsEckjf

Lu`digkt, ukfgsstmg EckjfLu`digkt cssjtcsecg` or post-lu`digkt cshovgrycsstjyg`.

0



:8. Lurcs`chtcokoe tmcs hjsg cs rgtjckg` to gktgr eurtmgror`grs tmjt jrg propgr,

ckhfu`ckd<

j. Jk gigrdgkhy or`gr jppocktckdj rghgcvgrto (:) ijkjdg jk` rghovgr

^fjcktceeECEPM PMCR@ BJKA's hoffjtgrjf,jk` (2)hoffght pjyigkts ùg uk`gr tmgfgjsgsoe tmg

hoffjtgrjf,js tmg hoffjtgrjfcs sublghtto wjstg jk` tmgfgjsg pjyigkts ij`g by tmcr` pjrtcgsjrg

kot bgckd usg` by @gegk`jkts to pjy tmg jioukts ùg ^fjcktcee1jk`

b. Jk or`gr hoipgffckd @gegk`jkts,G]O@WX PRWHA XSXPGIX, CKH.,

JIGRCHJKGZWCÎGKP FGJXCKD, FFH,

JIGRCHJK GZWCÎGKP

FGJXCKD &

ECKJKHG, CKH., HRJKG HRGGA EWK@CKD, FFH, PRWHA JHZWCXCPCOK EWK@CKD,

FFH, KJPCOKJF PRWHA, R G^JCR & ^JRPX, CKH. efafjKjtcokjfPruha Xjfgs & Fgjsckd,

Ckh.,jk` H. RJK@S FJKHG, to hoipfgtg tmg rgqucrg` Ejht CkeorijtcokXmggts,ckhfu`ckdjff

rgqucrg jttjhmigkts,jk` sgrvgtmg hoipfgtg` EjhtCkeorijtcokXmggtsok ^fjcktceesjttorkgy.

:0. Pmg fjstakowk j``rgssgsoe @gegk`jkts,G]O@WX PRWHA XSXPGIX, CKH.,

JIGRCHJK GZWCÎGKP FGJXCKD, FFH, JIGRCHJK GZWCÎGKP FGJXCKD &

ECKJKHG, CKH., HRJKG HRGGA EWK@CKD, FFH, PRWHA JHZWCXCPCOK EWK@CKD,

FFH, KJPCOKJF PRWHA, RG^JCR & ^JRPX, CKH. efafj KjtcokjfPruha Xjfgs& Fgjsckd,

Ckh.,jk` H. RJK@S FJKHG, jrg js eoffows<

j. G]O@WX PRWHA XSXPGIX, CKH.

(Eg`grjfC`gktcechjtcok Kuibgr xx-xxx-40=4)

h/o Jigrchjk Gqucpigkt Fgjsckd,Rgdcstgrg` Jdgkt

84>> 80* XtrggtXuctg:2>Orfjkò,EF 82=>7

b. JIGRCHJK GZWCÎGKP FGJXCKD, FFH

(Eg`grjfC`gktcechjtcok Kuibgr xx-xxx-:854)h/o Jigrchjk Gqucpigkt Fgjsckd& Eckjkhg,Rgdcstgrg` Jdgkt84>> 80 XtrggtXuctg:2>

Orfjkò,EF 82=>7

7



h. JIGRCHJK GZWCÎGKP FGJXCKD & ECKJKHG, CKH.

(Eg`grjfC`gktcechjtcok Kuibgr xx-xxx-8405)

h/o Drgdory Puhhc,Rgdcstgrg` Jdgkt

227 KG = JUG

Ohjfj,EF 8004>

`. HRJKG HRGGA EWK@CKD, FFH

(Eg`grjfC`gktcechjtcok Kuibgr xx-xxx-:>47)h/oBofck Bfjag,Rgdcstgrg` Jdgkt84>> 80 XtrggtXuctg:2>

Tcktgr ^jra EF 82=>7

g. PRWHA JHZWCXCPCOK EWK@CKD, FFH

(Eg`grjfC`gktcechjtcok Kuibgrxx-xxx-030:)hfoRjk`y Fjkhg, Rgdcstgrg` Jdgkt

84>> 80* XtrggtXuctg:2>

Orfjkò,EF 82=>7

e. KJPCOKJF PRWHA, RG^JCR & ^JRPX, CKH. e/a/j KjtcokjfPruha

Xjfgs& Fgjsckd,Ckh.

(Eg`grjfC`gktcechjtcok Kuibgr xx-xxx-2427)h/o Jigrchjk Gqucpigkt Fgjsckd,Rgdcstgrg` Jdgkt84>> 80 XtrggtXuctg:2>

Orfjkò,EF 82=>7

d. H. RJK@S FJKHG

(XohcjfXghurcty Kuibgr Wkakowk):8:: JtfjktchXtrggt

Igfbourkg, EF 8237:

:7. ^fjcktcee,ECEPM PMCR@ BJKA's j``rgsscs333 Ujk`grbcftBgjhm Roj`, Kjpfgs,

Eforc`j80:>=.

@OKG JK@ OR@GRG@ ck Orjkdg Houkty,Eforc`j,tmcs `jy oe `:>::.

r 'haL.Fjutgk

Hcrg ctLu`dg

XPJPG OE EFORC@J,HOWKPS OE ORJKDG :MGRGBS HGRPCES



HGRPCECHJPG OE XGRUCHG

C MGRGBS HGRPCES tmjtok 2>::, C sgrvg` tmg ebrgdockdEckjfLu`digkt vcj

Wkctg` Xtjtgs Ijcf / Mjk` @gfcvgry k Robg L. Xtovjsm,Gsqucrg, Houksgf eor ^fjcktcee,jt

Xtovjsm,Hjsg & Pckdfgy, .J.,2>> X. Orjkdg Jvgkug, Xuctg:22>, Orfjkò,Eforc`j82=>: jk` ok Jffjk ^. Tmctgmgj`, Gsqucrg, Houksgf eor @gegk`jkts, jt Ergsg, Mjksgk, Jk`grsok, Jk`grsok,Mgustok & Tmctgmgj`, ^.J.,22>> EroktXtrggt,Xuctg8>:, Igfbourkg, Eforc`j823>:.

Jsscs

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Fifth Third Bank Judgment Vs. C. Randy Lance