### D ISTRICT 

### C OURT 

### O F 

### A PPEAL 

### O F 

### T HE 

### S TATE 

### O F 

### F LORIDA

F OURTH D ISTRICT

WILLIE WRIGHT
, Appellant,

v.

REGIONS BANK, Appellee.

No. 4D 22

- 2129

[ May 10, 2023 ]

Appeal from the C ounty Court for the Seventeenth Judicial Circuit,
Broward County ; Corey Amanda Cawthon

, Judge; L.T. Case No.

062021CC010018AXXXSO

.

Willie J. Wright, Fort Lauderdale, pro se

.

No appearance for appellee.

D AMOORGIAN
, J

.

Appellant, Willie Wright (“Wright”), seeks review of the default final judgment entered again st him in the underlying action to recover on a
past

- due credit card account . We reverse the final judgment and the order denying the motion to set aside the default and remand for further proceedings.

The underlying action began with Appellee, Regions Bank (“ the Bank”)

, filing a complaint to collect amounts allegedly owed by Wright on a credit
card account with the Bank. Wright, pro se, moved for an extension of time to respond to the complaint

. Before the county court ruled on Wright’s motion, the Bank moved for summary judgment. Nearly five months later, with no action being taken by either party, the county court sua sponte entered two orders. The first order appointed a mediator and
referred the case to media tion. The second order granted Wright’s request
for an extension of time

. The second order also stated the court

, “ on its own motion pursuant to Rule 1.500(b), shall enter a default against2 [Wright] without further notice or hearing” unless he filed a re sponsive pleading within ten days.

Shortly after the ten

- day deadline expired, the county court sua sponte entered a default against Wright for failing to file a respons ive pleading

. Despite entry of the default, the parties participated in court

- ordered mediation but were unable to reach an agreement. Apparently r ealizing a default had been entered against him, Wright filed his answer and
affirmative defenses. Shortly thereafter , W right also moved to set aside
the default. The motion included Wright’s affidavit in which he explained he timely filed his answer

— but did so under the wrong case number. Also attached to the motion was a copy of the first page of the original answer

Wri ght filed in the wrong case

. The county court denied the motion on the basis Wright failed to act with due diligence in seeking relief. This appeal
follows.

On appeal, Wright argues the county court abused its discretion in denying his motion to set aside the default on the basis that he failed to
act with due diligence in seeking relief. We agree.

Florida Rule of Civil Procedure 1.500(d) provides, “[t]he court may set aside a default, and if a final judgment consequent thereon has been entered, the court may set it aside in accordance with rule 1.540(b).” Generally, “ if the trial court enters a default judgment for failure to file responsive pleadings, and the defendant seeks to set it aside pursuant to Rule 1.540(b)

, the trial court must determine: ‘ ( 1) whether the defendant has demonstrated excusable neglect in failing to respond [ ; ] ( 2) whether the
defendant has demonstrated a meritorious defense; and ( 3) whether the defendant, subsequent to learning of the default, has demonstrated due diligence in seeking relief. ’ ” Mullne v. Sea

- Tech Const r . Inc. , 84 So. 3d 1247, 1249 (Fla. 4th DCA 2012) (alteration in original) ( quoting Halpern v.

Houser , 949 So. 2d 1155, 1157 (Fla. 4th DCA 2007) ) ; see also Schwartz v. Bus. Cards Tomorrow, Inc. , 644 So. 2d 611, 611 (Fla. 4th DCA 1994) (“The failure of the defendant to satisfy any one of these elements must result in a denial of the motion to set aside the default.”). However, “[w]here, as here, a trial court denies a motion to vacate a default judgment based on a failure to exercise due diligence, ‘ the only issue to be addressed on appeal
is whether the defendant s demonstrated that they acted with due diligence in seeking relief from the default judgment .’” Fernandez v. Difiore , 279 So. 3d 174, 176 (Fla. 4th DCA 2019) (emphasis added) (quoting Fla. Eurocars,
Inc. v. Pecorak , 110 So. 3d 513, 515 (Fla. 4th DCA 2013) ).

“In considering whether a party has made a ‘timely application’ to set aside a default, courts must evaluate both the extent of the delay as well3 as the reasons for the delay.” Fla. Eurocars, Inc. , 110 So. 3d at 515

– 16 ;

s ee also Elliot t v. Aurora Loan Servs., LLC , 31 So. 3d 304, 308 (Fla. 4th DCA 2010) ( holding due diligence “is a test of reasonableness [which] must be evaluated based on the facts of the particular case”).

Here

, by moving to set aside the default nineteen days after it was
entered

, Wright acted with due diligence. See Howard v. Gualt , 259 So. 3d 119, 123 (Fla. 4th DCA 2018) (holding that by moving to vacate a default nineteen days after learning of the suit , the defendant “ acted with due diligence to set aside the default ”). Moreover, Wright’s affidavit explained he was attempting to defend hi mself in several different cases pending in
the same county court involving debts he allegedly owed

, and that he timely filed the answer to the complaint in the wrong case. Wright also provid ed a copy of the first page of “Defendant’s Answer and Affirmative Defenses” bearing a timestamp establishing that he indeed timely filed his answer in the wrong case

. 1

On these facts we hold that the county court abused its discretion in denying Wright ’s motion to set aside default on the grounds that he fa iled to act with due diligence. Accordingly, we reverse the final judgment and the order denying the motion to set aside default and remand for further proceedings consistent with this opinion

.

Reversed

.

K LINGENSMITH
, C.J., and L EVINE
, J., concur.

* * *

Not final until disposition of timely filed motion for rehearing.

1 Although the county court informally noted Wright “arguably” demonstrated excusable neglect, our precedent suggests the timely

— albeit errant

— filing of Wright’s answer constitutes excusable neglect. See Somero v. Hendry Gen. Hosp.

, 467 So. 2d 1103, 1 1 06 (Fla. 4th DCA 1985) ( “[W]here inaction results from clerical or secretarial error, reasonable misunderstanding, a system gone awry or any other of the foibles to which human nature is heir, then upon timely application accompanied by a reasonable and credible explanation the m atter should be permitted to be heard on the merits.”); see also Viking Gen. Corp. v. Diversified Mortg. Invs. , 387 So. 2d 983, 985 (Fla. 2d DCA 1980) ( “T he mistake envisioned by [Rule 1.540(b)] is the type of honest and inadvertent mistake made
in the ord inary course of litigation

. ”).