James Leonard Hines v. Regions Bank

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[DO NOT PUBLISH]
In the
United States Court of Appeals
For the Eleventh Circuit
____________________
No. 21-10594
Non-Argument Calendar
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JAMES LEONARD HINES,
Plaintiff-Appellant,
versus
REGIONS BANK,
f.k.a. Union Planters Bank, N.A.,
Defendant-Appellee.
____________________
Appeal from the United States District Court
for the Northern District of Alabama
D.C. Docket No. 5:19-cv-01819-LCB
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2 Opinion of the Court 21-10594
Before WILLIAM PRYOR, Chief Judge, LAGOA, and BRASHER, Circuit
Judges.
PER CURIAM:
James Hines appeals pro se the dismissal of his amended
complaint against Regions Bank. Hines complained that Regions
violated the Fair Debt Collection Practices Act. The district court
ruled that Hines failed to state a plausible claim against Regions,
see Fed. R. Civ. P. 12(b)(6), and that it would be futile to allow
Hines to further amend his complaint. Later, the district court de-
nied Hines’s motions to alter, amend, or vacate, Fed. R. Civ. P.
59(e), and for leave to file a surreply. We affirm.
Two standards of review govern this appeal. “We review de
novo the district court’s grant of a motion to dismiss for failure to
state a claim under Fed. R. Civ. P. 12(b)(6), accepting the allega-
tions in the complaint as true and construing them in the light most
favorable to the plaintiff.” Timson v. Sampson, 518 F.3d 870, 872
(11th Cir. 2008). We review for abuse of discretion the denial of a
postjudgment motion. See Hartford Cas. Ins. Co. v. Crum & For-
ster Specialty Ins. Co., 828 F.3d 1331, 1333 (11th Cir. 2016).
The district court did not err by dismissing Hines’s amended
complaint. Hines failed to “plead factual content that allow[ed] the
[district] court to draw the reasonable inference that [Regions] is a
‘debt collector’ under the [Collection Practices Act] and therefore
liable for the misconduct alleged.” Davidson v. Cap. One Bank
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21-10594 Opinion of the Court 3
(USA), N.A., 797 F.3d 1309, 1313 (11th Cir. 2015) (internal quota-
tion marks omitted). Hines’s conclusory allegation that Regions is
a debt collector did “not prevent dismissal.” Oxford Asset Mgmt.,
Ltd. v. Jaharis, 297 F.3d 1182, 1188 (11th Cir. 2002). And Hines al-
leged no facts that Regions was a debt collector by being a business
“the principal purpose of which is the collection of any debts” or
by “regularly collect[ing] or attempt[ing] to collect, directly or in-
directly, debts owed or due or asserted to be owed or due another.”
See 15 U.S.C. § 1692a(6). Nor did Hines allege that Regions or its
attorney engaged in “conduct . . . related to debt collection.” See
Reese v. Ellis, Painter, Ratterree & Adams, LLP, 678 F.3d 1211,
1216 (11th Cir. 2012). That Regions, as a creditor, mailed Hines an
acceleration letter and advertised the foreclosure sale in the news-
paper, as required by Hines’s mortgage, see Ex parte Turner, 254
So. 3d 207, 210 (Ala. 2017), to “engage in . . . nonjudicial foreclosure
proceedings . . . [did] not [make Regions or its counsel] debt collec-
tors within the meaning of the [Act],” Obduskey v. McCarthy &
Holthus LLP, 139 S. Ct. 1029, 1038 (2019). Regions never de-
manded a payment of a debt from Hines.
Hines’s bankruptcy did not bar Regions from initiating a
nonjudicial foreclosure on Hines’s property. A discharge of per-
sonal debt in a Chapter 7 proceeding does not prohibit a secured
creditor from enforcing a valid, preexisting mortgage lien so long
as the creditor does not seek to hold the debtor personally liable.
In re Wrenn, 40 F.3d 1162, 1164 (11th Cir. 1994) (“[D]ischarge does
not affect liability in rem, and prepetition liens remain enforceable
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4 Opinion of the Court 21-10594
after discharge.”). Regions informed Hines in the acceleration let-
ter that “this notice is not intended and does not constitute an at-
tempt to collect a debt against you personally” and “this is not an
attempt to assert that you have any personal liability for this debt.”
And Hines alleged that he was “not obligated on the indebtedness
since his personal liability was discharged in bankruptcy in 2014.”
So Regions could foreclose on Hines’s property.
Hines argues that Regions violated the discharge order en-
tered in his Chapter 7 bankruptcy proceeding, see 11 U.S.C.
§ 524(a)(2), but this argument is not properly before us. As the dis-
trict court stated, Hines “presented [the] argument for the first time
in his motion to alter, amend, or vacate” the order that dismissed
his complaint. Hines was not allowed to “raise [an] argument . . .
[in his postjudgment motion] that could have been raised prior to
the entry of judgment.” Arthur v. King, 500 F.3d 1335, 1343 (11th
Cir. 2007).
Hines argues that the district court violated his right to a trial
by jury under the Seventh Amendment, but the district court cor-
rectly dismissed Hines’s complaint for failure to state a claim for
relief. See Fed. R. Civ. P. 12(b)(6). Hines had no right to a jury trial
when no factual dispute existed for a jury to resolve. See Garvie v.
City of Fort Walton Beach, Fla., 366 F.3d 1186, 1190 (11th Cir.
2004).
The district court did not abuse its discretion when it denied
Hines’s motion for leave to file a surreply. The Federal Rules of
Civil Procedure do not provide for surreplies. See generally Fed. R.
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21-10594 Opinion of the Court 5
Civ. P. 7(a). And Hines was not entitled to submit a filing in which
he repeated arguments he had already made opposing the dismissal
of his complaint.
We AFFIRM the dismissal of Hines’s amended complaint.