DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA

FOURTH DISTRICT

TRILOK DESAI,

Appellant,

v.

BANK OF NEW YORK MELLON TRUST COMPANY, ETC.,

Appellee.

No. 4D17-0890

[March 7, 2018]

Appeal from the Circuit Court for the Fifteenth Judicial Circuit, Palm 

Beach County; Roger B. Colton, Senior Judge; L.T. Case No. 

2015CA006838XXXXMB.

Enrique Nieves III of King, Nieves & Zacks, PLLC, West Palm Beach, for 

appellant.

Sarah T. Weitz of Weitz & Schwartz, P.A., Fort Lauderdale, for appellee.

KLINGENSMITH, J.

Bank of New York Mellon Trust Company (“BNY”) filed a foreclosure 

action against appellant Trilok Desai after he defaulted on his mortgage 

payments. Although its first suit was involuntarily dismissed, BNY filed a 

second one against Desai, and obtained a final judgment of foreclosure.

Desai states that this second action was barred by the statute of 

limitations since it was based on defaults occurring before the dismissal 

of the prior foreclosure lawsuit. He also asserts that Florida law prohibited 

BNY from seeking any interest on the loan that accrued while the first 

foreclosure case was pending. We disagree on both issues, and affirm. 

The facts in this case are undisputed. In December 2009, BNY filed its 

initial foreclosure action and alleged, “There has been a default in the 

payment of the amounts due under the Note and Mortgage in that the 

payment due for March 1, 2009, and all subsequent payments have not 

been made.” That suit was dismissed with prejudice in September 2013. 

In June 2015, BNY filed the foreclosure action now on appeal, and 

included in its complaint the claim that “[Desai] has defaulted under the 
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Note and Mortgage by failing to pay the August 01 [sic], 2010 payment, 

and all subsequent payments due thereafter.” 

At trial, Desai moved for involuntary dismissal on the grounds that

Bartram v. U.S. Bank, N.A., 211 So. 3d 1009, 1019 (Fla. 2016), required 

that if a second foreclosure action is filed, then it must be based on a new 

default date accruing on a date after the dismissal of the prior action.

Desai also claimed that Bartram prohibited BNY from seeking any interest

on the loan that accrued while the first foreclosure action was pending. 

BNY responded that it properly re-accelerated the debt and initiated a 

timely action when it filed its second complaint based on Desai’s 

undisputed August 1, 2010 default, countering that Bartram did not 

require a subsequent action to be based on a default occurring after the 

dismissal of a prior suit, and did not preclude a mortgagee from recovering 

amounts that became due while the prior action was pending. The trial 

court entered final judgment in favor of BNY, and Desai appealed. 

“‘A legal issue surrounding a statute of limitations question is an issue 

of law subject to de novo review.’” Med. Data Sys., Inc. v. Coastal Ins. Grp., 

Inc., 139 So. 3d 394, 396 (Fla. 4th DCA 2014) (quoting Fox v. Madsen, 12 

So. 3d 1261, 1262 (Fla. 4th DCA 2009)).

Based on the allegations of the second complaint, the filing of the 

second action in June 2015 was timely. That complaint was limited in 

scope to defaults starting in August 2010, and not from the date of the 

initial default in March 2009. BNY pleaded and proved that Desai was in 

an ongoing state of default from August 2010 to the filing the second 

complaint. Thus, having limited its recovery only to those defaults 

occurring within five years of the second lawsuit, BNY’s action was not 

barred by the statute of limitations. See § 95.11(2)(c), Fla. Stat. (2015); §

95.031, Fla. Stat. (2015); Depicciotto v. Nationstar Mortg. LLC, 225 So. 3d 

390, 391 (Fla. 4th DCA 2017) (“Nationstar’s foreclosure action was not 

barred by the statute of limitations where it alleged and proved separate 

and continuing defaults that fell within the five years preceding the filing 

of this suit.”); Desylvester v. Bank of N.Y. Mellon, 219 So. 3d 1016, 1020 

(Fla. 2d DCA 2017) (holding the same); Evergrene Partners, Inc. v. Citibank, 

N.A., 143 So. 3d 954, 956 (Fla. 4th DCA 2014) (holding the same). 

Desai also suggests that the court’s involuntary dismissal of BNY’s

initial foreclosure action with prejudice precluded the trial court from 

awarding any amounts that were in default while the initial foreclosure 

action was pending. We find this argument to be without merit. 
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The court in Bartram held that dismissal of a foreclosure action 

accelerating payment based on a default does not bar the filing of a 

subsequent foreclosure action. 211 So. 3d at 1021. A mortgagee has “the 

right to file a subsequent foreclosure action—and to seek acceleration of 

all sums due under the note—so long as the foreclosure action was based 

on a subsequent default, and the statute of limitations had not run on that 

particular default.” Id. (emphasis added).

Likewise, the doctrines of res judicata and collateral estoppel did not 

prevent BNY from filing a second foreclosure complaint and relitigating 

those issues despite the involuntary dismissal with prejudice of its prior

action where the case was not decided on the merits. See Singleton v. 

Greymar Assocs., 882 So. 2d 1004, 1007–08 (Fla. 2004) (concluding that 

“the doctrine of res judicata does not necessarily bar successive 

foreclosure suits,” and explaining that while “a foreclosure action and an 

acceleration of the balance due based upon the same default may bar a 

subsequent action on that default, an acceleration and foreclosure 

predicated upon subsequent and different defaults present a separate and 

distinct issue”); Aronowitz v. Home Diagnostics, Inc., 174 So. 3d 1062, 

1066 (Fla. 4th DCA 2015) (stating that for collateral estoppel to apply, the 

specific issue must have been actually litigated and decided in a prior suit). 

BNY’s second complaint alleged, and it was not contested, that Desai 

was in a continuing state of default. Therefore, the note and mortgage 

remained enforceable by a foreclosure based on any default occurring 

within the statute of limitations. See Bartram, 211 So. 3d at 1012; 

Depicciotto, 225 So. 3d at 391-92; Kebreau v. Bayview Loan Serv., LLC, 

225 So. 3d 255, 256 (Fla. 4th DCA 2017) (holding that a suit may proceed 

where alleged defaults fell within the five-year limitations period). Cf. 

Collazo v. HSBC Bank USA, N.A., 213 So. 3d 1012, 1013 (Fla. 3d DCA 

2016) (reversing foreclosure judgment where plaintiff asserted the same 

payment default date and basis for acceleration in a prior and subsequent 

complaint, a date over five years preceding the commencement of the latter

case); Hicks v. Wells Fargo Bank, N.A., 178 So. 3d 957, 959 (Fla. 5th DCA 

2015) (ruling the trial court erred by failing to dismiss a foreclosure action

where counsel stipulated to a default date outside of the statute of 

limitations). 

Other cases arising in our sister courts have held similarly. In Wells 

Fargo Bank, NA v. BH-NV Invs. 1, LLC, 230 So. 3d 60, 61 (Fla. 3d DCA 

2017), a trustee filed a foreclosure action in June 2009 based on a 

borrower’s default in December 2008 and on all subsequent payments. In 

April 2011, the trial court dismissed that foreclosure action. Id. More 

than four years later in July 2015, the trustee filed a second foreclosure 
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action based on the borrower’s default in August 2010 and all subsequent 

missed payments during the pendency of the prior suit. Id. The Third 

District reversed the trial court’s summary judgment in favor of the 

borrower, and held that, based on Bartram, the lender could properly file 

its later suit. Id. at 62; see also Bollettieri Resort Villas Condo. Ass'n, Inc. 

v. Bank of N.Y. Mellon, 198 So. 3d 1140, 1142 (Fla. 2d DCA 2016) (holding 

that a complaint alleging a continuing state of default “was sufficient to 

establish that foreclosure could be based on any of the missed payments 

since the initial breach”), rev. dismissed, 228 So. 3d 72 (Fla. 2017). 

We affirm the trial court’s final judgment of foreclosure. 

Affirmed.

CIKLIN and LEVINE, JJ., concur.

* * *

Not final until disposition of timely filed motion for rehearing.