FIFTH DIVISION

REESE, P. J.,

MARKLE and COLVIN, JJ.

NOTICE: Motions for reconsideration must be

physically received in our clerk’s office within ten

days of the date of decision to be deemed timely filed.

https://www.gaappeals.us/rules

DEADLINES ARE NO LONGER TOLLED IN THIS

COURT. ALL FILINGS MUST BE SUBMITTED WITHIN

THE TIMES SET BY OUR COURT RULES.

September 28, 2020

In the Court of Appeals of Georgia

A20A1052. TAYLOR v. AMERIS BANK.

REESE, Presiding Judge.

Phillip H. Taylor, Jr. (“the Appellant”) seeks immediate review of the trial

court’s denial of his motion for summary judgment against Ameris Bank (“the

Appellee”). The Appellant argues that the trial court erred in finding that the

Appellee’s claims were not barred by the statute of limitation. For the reasons set

forth below infra, we affirm.

Summary judgments enjoy no presumption of correctness on

appeal, and an appellate court must satisfy itself de novo that the

requirements of OCGA § 9-11-56 (c) have been met. In our de novo

review of the grant or denial of a motion for summary judgment, we
must view the evidence, and all reasonable inferences drawn therefrom,

in the light most favorable to the nonmovant.

1

So viewed, the record shows that in 2010, Taylor Made Homes, Inc. (“TMH”)

executed a promissory note in favor of McIntosh State Bank (“McIntosh”) in the

principal amount of $143, 374.53. The Appellant personally guaranteed the note. The

note matured in a balloon payment due on November 10, 2010, but TMH failed to

make the payment and defaulted on the loan. In May 2011, McIntosh sued the

Appellant and TMH. According to the summary judgment order,2

on May 9, 2016, the

May 2011 action was dismissed for want of prosecution.

3

Ultimately, the Appellee acquired McIntosh, and filed suit against TMH and

the Appellant in March 2019 for the breach of the note.

1 DIP Lending I v. Cleveland Avenue Properties, LLC, 345 Ga. App. 155 (812

SE2d 532) (2018) (citations and punctuation omitted).

2 The May 2016 order dismissing the original action is not part of the appellate

record. 

3 See OCGA § 9-11-41 (e) (“Any action in which no written order is taken for

a period of five years shall automatically stand dismissed, with costs to be taxed

against the party plaintiff. For the purposes of this Code section, an order of

continuance will be deemed an order. When an action is dismissed under this

subsection, if the plaintiff recommences the action within six months following the

dismissal then the renewed action shall stand upon the same footing, asto limitation,

with the original action.”).

2
The Appellant filed a verified joint answer with TMH and asserted, inter alia,

that the complaint failed to state a claim upon which relief could be granted and that

the statute of limitation barred the action. The Appellant filed a motion for summary

judgment, arguing that the Appellee failed to file the complaint within the statute of

limitation. After a hearing, the trial court found that, even though the statute of

limitation for the guaranty had expired, the Appellant, by contract, had waived the

statute of limitation for the guaranty. Accordingly, the trial court denied the

Appellant’s motion for summary judgment. The Appellant sought a certificate of

immediate review, which was granted by the trial court.

4 The Appellant filed a

petition for interlocutory appeal, which this Court granted.

“Summary judgment is proper if the pleadings, depositions, answers to

interrogatories, and admissions on file, together with the affidavits, if any, show that

there is no genuine issue as to any material fact and that the moving party is entitled

to judgment as a matter of law.”5 With these guiding principles in mind, we now turn

to the Appellant’s claims of error.

4

 TMH is not a party to this appeal.

5 Essien v. CitiMortgage, 335 Ga. App. 727 (781 SE2d 599) (2016) (citing

OCGA § 9-11-56 (c)) (punctuation omitted).

3
1. The Appellant argues that permanent prospective waiver of the defense of

the statute of limitation is void because it is against public policy.

Ordinarily, actions on contracts must be brought within six years after the

contract is due and payable.6 Here, the promissory note executed by TMH was

executed under seal, but the guaranty was not. In the instant case, the note was due

on November 10, 2010,such that the statute of limitation expired in November 2016.

Alternatively, when a civil suit is brought and dismissed for want of prosecution, it

may be renewed within six months.

7 Here, the original suit was dismissed on May 9,

2016, and it could have been renewed within six months. Thus, it follows that the

Appellee’s action — filed in March 2019 — did not comply with any applicable

statute of limitation.

In the present action, the guaranty states in relevant part:

6 See OCGA § 9-3-24 (Generally, “[a]ll actions upon simple contracts in

writing shall be brought within six years after the same become due and payable.

However, this Code section shall not apply to actions for the breach of contracts for

. . . negotiable instruments under Article 3 of Title 11.”); see also OCGA § 11-3-118

(a) (providing that an action to enforce a note must be commenced within six years

after the due date); OCGA § 9-3-23 (actions on instruments filed under seal may be

brought within 20 years).

7

 See OCGA § 9-11-41 (e). 

4
The [Appellant] waives any and all defenses, claims and discharges of

[TMH], or any other obligor, pertaining to indebtedness, except the

defense of discharge by payment in full. Without limiting the generality

of the foregoing, the [Appellant] will not assert, plead or enforce

against [McIntosh and its successors] any defense of waiver, release,

statute of limitations, res judicata, statute of frauds, fraud, incapacity,

minority, usury, illegality or unenforceability which may be available to

[TMH] or any other person liable in respect of any indebtedness, or any

setoff available against [McIntosh and its successors] to [TMH] or any

such other person, whether or not on account of a related transaction.

8

As a general rule, “[p]arties may stipulate for other legal principles to govern their

contractual relationship than those prescribed by law; however, these must be

expressly stated in the contract.”9 Moreover, “[a] guarantor may consent in advance

to a course of conduct which would otherwise result in his discharge, and this

includes the waiver of defenses otherwise available to a guarantor.”10

8

 (Emphasis supplied.)

9 Wolf Creek Landfill v. Twiggs County, 337 Ga. App. 211, 215 (1) (786 SE2d

862) (2016) (punctuation and footnote omitted).

10 HWA Properties, Inc. v. Community & Southern Bank, 322 Ga. App. 877,

887 (2) (b) (746 SE2d 609) (2013) (upholding a guaranty provision identical to the

provision at issue here) (citation and punctuation omitted); accord PNC Bank, Nat.

Assn. v. Smith, 298 Ga. 818, 821-822 (3) (a) (785 SE2d 505) (2016); see Sam’s

Wholesale Club v. Riley, 241 Ga. App. 693, 697 (4) (527 SE2d 293) (1999) (noting

that the statute of limitation is an affirmative defense that may be waived); see also

5
In considering a similar contractual provision, the Georgia Supreme Court

found that a guarantor’s waiver of all rights and defenses, including confirmation of

a foreclosure sale, did not violate OCGA § 1-3-7,

11 which provides that “[l]aws made

for the preservation of public order or good morals may not be dispensed with or

abrogated by any agreement. However, a person may waive or renounce what the law

has established in hisfavor when he does not thereby injure others or affect the public

interest.”

The Supreme Court reasoned that confirmation of a foreclosure sale helps

“preserve the public order by ensuring that borrowers are not unduly stripped of their

property and left destitute after their assets are subjected to a deficiency action.”12

These principles

do not apply in the same manner to guarantors, who are, most often,

volunteers to the transaction. As such, guarantors face neither the same

Massachusetts Benefit Life Assn. v. Robinson, 104 Ga. 256, 272 (30 SE 918) (1898)

(When the law prescribes a statute of limitation, “it is also within the power of the

contracting parties to agree among themselves upon a period of time which would

amount to a statute of limitation[ ], either greater or less than the period fixed by the

law.”). 

11 See Smith, 298 Ga. at 822 (3) (a) (“[T]he freedom of contract is sacrosanct,

and thatfreedomshould not be limited absentsome important public policy reason.”).

12

Smith, 298 Ga. at 822 (3) (b) (emphasis supplied).

6
disparity of bargaining power nor the same type of risk as borrowers.

For this reason, a guarantor’s waiver of the requirements of the

confirmation statute does not clearly injure others or affect the public

interest.

13

Despite the Appellant’s implicit argument that this Court should look to foreign

jurisdictions in deciding this case,14this does not negate the fact that the General

Assembly has not passed legislation that views the bargaining power of a guarantor,

or the risks associated with a guaranty, in the same manner as that of a borrower,

although the legislature possessed the power to do so.

15

Here, the Appellant does not assert that any changes in the terms of the note

occurred.

16

Instead, the record shows that Taylor executed a guaranty that, among

13

 Id. (punctuation omitted).

14 See generally Barrow v. Raffensperger, 308 Ga. 660, 689 (5), n. 27 (842

SE2d 884) (2020) (It is the role of Georgia state courts to interpret the Constitution

of Georgia and the laws of this state.).

15 See Sears v. State of Ga., 232 Ga. 547, 554 (3) (208 SE2d 93) (1974) (“The

legislature is absolutely unrestricted in its power to legislate, so long as it does not

undertake to enact measures prohibited by the State or Federal Constitution.”)

(citations omitted).

16 See Apex Bank v. Thompson, 349 Ga. App. 285, 292-293 (1) (826 SE2d 162)

(2019) (“[A]n agreement that a change in the terms of the note will not release a party

who has signed the note from liability unless it is expressly stated in writing is not

and should not be construed as a waiver of a guarantor’s rights or defenses under the

7
other things, waived his ability to assert a statute of limitation defense. Thus, the trial

court did not err in denying the Appellant’s motion for summary judgment.

17

2. In light of our ruling in Division 1, supra, we need not address the

Appellant’s remaining enumerated errors.

Judgment affirmed. Markle and Colvin, JJ., concur.

confirmation statute.”) (punctuation omitted).

17

 See Smith, 298 Ga. at 822 (3) (b); Robinson, 104 Ga. at 272.

8