NOT FINAL UNTIL TIME EXPIRES TO FILE REHEARING 

MOTION AND, IF FILED, DETERMINED 

 IN THE DISTRICT COURT OF APPEAL 

 OF FLORIDA 

 SECOND DISTRICT 

MARC COLSON and KRISTA COLSON, ) 

 ) 

 Appellants, ) 

 ) 

v. ) Case No. 2D13-5526 

 ) 

STATE FARM BANK, F.S.B. and ) 

WACHOVIA BANK, NATIONAL ) 

ASSOCIATION, ) 

 ) 

 Appellees. ) 

 ) 

Opinion filed April 15, 2015. 

Appeal from the Circuit Court for Collier 

County; Daniel R. Monaco, Senior Judge. 

Andrea H. Duenas of Law Office of A. 

Duenas, P.A., Lantana, for Appellants. 

Wm. David Newman, Jr. of Choice Legal 

Group, P.A., Fort Lauderdale, for Appellee 

State Farm Bank, F.S.B. 

No appearance for Appellee Wachovia 

Bank, National Association. 

BLACK, Judge. 

 Marc and Krista Colson challenge a final judgment of foreclosure entered 

in favor of State Farm Bank, F.S.B., following a bench trial. Of the three issues the 

Colsons raise, two have merit and require reversal in part. 
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 State Farm commenced a mortgage foreclosure action against the 

Colsons in February 2009. The case ultimately went to trial in November 2013. At trial, 

State Farm's sole witness was an employee of Cenlar, FSB. Through this witness State 

Farm introduced into evidence a power of attorney between State Farm and Cenlar, a 

breach and acceleration letter addressed to the Colsons, and a loan payment history. 

State Farm also attempted to introduce the original note and mortgage, which the trial 

court required to be filed on record with the clerk rather than admitted into evidence.1 

 With regard to the loan payment history, State Farm inquired of its witness 

whether the figures in the proposed final judgment comported with the numbers in 

Cenlar's business records. The proposed final judgment was not in evidence nor was it 

a business record upon which the witness could rely. On cross-examination, the 

witness testified that he was not aware of the accounting procedures for State Farm. At 

the close of evidence, the Colsons moved to have State Farm's witness' testimony 

stricken as unreliable. The motion was denied and the court proceeded to execute the 

final judgment proposed by State Farm. The issue of attorney's fees and costs was 

raised following entry of the final judgment. 

 

 1"In order to prevail in a suit on a note and mortgage, the original note and 

mortgage must be introduced into evidence or a satisfactory reason must be given for 

failure to do so." Fair v. Kaufman, 647 So. 2d 167, 168 (Fla. 2d DCA 1994) (citing W.H. 

Downing v. First Nat'l Bank of Lake City, 81 So. 2d 486, 488 (Fla. 1955)). "Because a 

promissory note is a negotiable instrument, a plaintiff seeking to foreclose on a 

defendant must produce the original note (or provide satisfactory explanation of the 

failure to produce) and surrender it to the court or court clerk before the issuance of a 

final judgment . . . ." Deutsche Bank Nat'l Trust Co. v. Huber, 137 So. 3d 562, 564 (Fla. 

4th DCA 2014) (second emphasis added); see also Alavi v. Garcia, 140 So. 3d 1141, 

1143 (Fla. 5th DCA 2014) (stating that this "surrendering" requirement can be met by 

filing with the clerk or judge before judgment is entered on the note). 
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 The Colsons argue that there was no evidence of the damages included in 

the final judgment and that State Farm's witness merely affirmed that the numbers in the 

proposed final judgment were correct without elaboration or explanation. This is a 

sufficiency of the evidence claim and our review is for competent, substantial evidence. 

See Wagner v. Bank of Am., N.A., 143 So. 3d 447, 448 (Fla. 2d DCA 2014). As has 

been consistently stated in foreclosure cases, a sufficiency of the evidence claim may 

be raised for the first time on appeal. See Fla. R. Civ. P. 1.530(e); Lacombe v. 

Deutsche Bank Nat'l Trust Co., 149 So. 3d 152, 153 (Fla. 1st DCA 2014). 

 The crux of the Colsons' argument is that the amount of indebtedness 

cannot be extracted and calculated from the payment history, the only evidence State 

Farm presented as to damages.2 The payment history consists of twenty-six pages of 

coded data entries with no final totals. Some of those twenty-six pages appear to be 

computer screenshots while others are spreadsheets. The print dates on the 

documents range from 2006 to 2013. There was no testimony explaining these 

documents or the figures in them, nor was there testimony as to the amount of 

indebtedness. This is true for each line item of damages on the final judgment. 

Additionally, the transcript of the trial reflects that the court executed the final judgment 

 

 2We note that State Farm argues in its answer brief that it "provided the 

necessary prerequisites for the introduction of the business records that were placed 

into evidence and the trial court did not abuse its discretion in receiving the exhibits into 

evidence." Specifically, State Farm contends that the payment history was properly 

admitted into evidence. While we disagree with that contention—the servicer's 

representative failed to meet the requirement of section 90.803(6), Florida Statutes 

(2013), and WAMCO XXVIII, Ltd. v. Integrated Electronic Environments, Inc., 903 So. 

2d 230 (Fla. 2d DCA 2005)—the Colsons have not challenged the trial court's ruling on 

their objection to the admission of the payment history. 
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immediately upon finding in favor of State Farm. The final judgment was rendered the 

same day. Thus, the court could not have reviewed the payment history and 

determined that the final judgment figures were accurate from the evidence provided. 

 The Colsons also contend that there is no evidence to support the court's 

award of attorney's fees and costs. State Farm filed affidavits of attorney's fees and 

costs the day before the trial but those affidavits were not submitted into evidence at the 

trial. In fact, following the court's entry of the final judgment in favor of State Farm 

counsel for State Farm stated that he had affidavits if the court needed them and that he 

could file them separately. 

 While the Colsons rely on the general rule that "when the record on appeal 

is devoid of competent substantial evidence to support the attorney's fee award, the 

appellate court will reverse the award without remand for additional evidentiary 

findings," where the record includes some evidence supporting the fee and cost award, 

this court may remand for further proceedings. See Diwakar v. Montecito Palm Beach 

Condo. Ass'n, 143 So. 3d 958, 961 (Fla. 4th DCA 2014). Remand for "an evidentiary 

hearing on the amount of attorney's fees and costs sought by the bank" is necessary 

and proper where the only evidence of the fees and costs "was an affidavit filed by the 

bank's counsel prior to trial." Wagner, 143 So. 3d at 448. 

 In seeking reversal, the Colsons rely, in part, on this court's decision in 

Wolkoff v. American Home Mortgage Servicing, Inc., 153 So. 3d 280, 282 (Fla. 2d DCA 

2014), where this court not only reversed a final judgment of foreclosure but remanded 

with directions that the trial court enter an involuntary dismissal of the case. Such 

action is inappropriate here. The Colsons did not move to dismiss the action at the 
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close of evidence or otherwise move for judgment on the pleadings or a directed verdict. 

And although the Wolkoff opinion is silent as to any motion made by the Wolkoffs at the 

close of evidence, the record in that case reflects that the Wolkoffs moved for judgment 

on the pleadings. The court treated the motion as one for involuntary dismissal. See 

Salauddin v. Bank of Am., N.A., 150 So. 3d 1189, 1190 (Fla. 4th DCA 2014) (citing 

Charlotte Asphalt, Inc. v. Cape Cave Corp., 406 So. 2d 1234, 1236 (Fla. 2d DCA 1981) 

(explaining that motions for directed verdict and motions for involuntary dismissal at a 

nonjury trial are governed by the same principles)). It is only by virtue of a motion to 

dismiss or motion for directed verdict that this court could direct dismissal on remand. 

See, e.g., Burdeshaw v. Bank of N.Y. Mellon, 148 So. 3d 819, 826-27 (Fla. 1st DCA 

2014). But see Beauchamp v. Bank of N.Y., 150 So. 3d 827 (Fla. 4th DCA 2014) 

(affirming judgment of foreclosure except as to amount due under note and remanding 

for further proceedings where defendant had filed a motion for involuntary dismissal). 

 It is undisputed that State Farm established it had standing as the holder 

of the note and mortgage and that the Colsons defaulted under the note. However, the 

total lack of evidence as to the damages stated in the final judgment requires reversal. 

Thus, we affirm in part and reverse in part. 

 Affirmed in part, reversed in part, and remanded for further proceedings 

consistent with this option. 

VILLANTI, C.J., and CRENSHAW, J., Concur.