FILED

U.S. COURT OF APPEALS

ELEVENTH CIRCUIT

 JANUARY 11, 2012

JOHN LEY

CLERK

[DO NOT PUBLISH]

IN THE UNITED STATES COURT OF APPEALS

FOR THE ELEVENTH CIRCUIT

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No. 10-15119

Non-Argument Calendar

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D. C. Docket No. 2:07-cv-00533-SLB

ANNETTE CLARK,

Plaintiff - Appellant,

versus

SHARPIRO AND PICKETT, LLP,

EDITH PICKETT, and

WELLS FARGO BANK, N.A.

f.k.a. Wells Fargo Home Mortgage, Inc.,

f.k.a. Norwest Mortgage Inc.,

Defendants - Appellees.

________________________

Appeal from the United States District Court

for the Northern District of Alabama

_________________________

(January 11, 2012)

Before BARKETT, MARCUS and ANDERSON, Circuit Judges.

PER CURIAM:
In July 1995, Annette Clark purchased a home by obtaining a loan from

Presidential Mortgage Corporation, evidenced by a note. To secure the loan,

Clark granted Presidential a mortgage against the property pursuant to a FHA

Mortgage dated July 11, 1995. On May 9, 1996, the mortgage was assigned to

Wells Fargo, f/k/a Norwest Mortgage, Inc.

Pursuant to the terms of the note, Clark was obligated to make payments to

Wells Fargo on the first day of each month beginning in September 1995 and

continuing until August 2025. According to Wells Fargo, Clark made all of her

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monthly payments, at least generally on time, from July 1995 until she missed a

payment in November 1997. Clark also failed to make payments in January 1998,

December 1998, September 1999, November 1999, December 1999, and

November 2002. However, Wells Fargo was precluded from pursuing foreclosure

because between January 14, 1998, and October 18, 2006, Clark was under

If Wells Fargo did not receive her monthly payment by the fifteenth of that month, 1

the note permitted Wells Fargo to charge a late fee. Under the terms of the mortgage, Clark’s

monthly payment consisted of the month’s principal, interest, and any applicable late charges; as

well as one-twelfth of the annual assessed taxes and insurance on the mortgaged property. The

mortgage further provides that the borrower defaults on the loan by “failing to pay in full any

monthly payment required by this Security Instrument prior to or on the due date of the next

monthly payment.” In the event of default, Wells Fargo may “require immediate payment in full

of all sums secured by this Security Instrument” and “invoke the power of sale” of the mortgaged

property, where permitted by the HUD Secretary.

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bankruptcy protection.2

As soon as the third bankruptcy case was dismissed without discharge in

October 2006, Wells Fargo took steps to exercise its rights under the note and

mortgage. Wells Fargo demanded full payment of all amounts due from Clark and

placed her mortgage in foreclosure status. In November 2006, Clark sent a

payment to Wells Fargo, but the amount was insufficient to bring her account

current. Wells Fargo returned the check to Clark with a letter informing her that

her account was in “foreclosure status” and that she should contact Wells Fargo’s

attorney, Shapiro & Pickett, LLP (“S&P”), with questions. Clark did not attempt 3

to make any further payments to Wells Fargo after her November payment was

returned. Wells Fargo hired S&P to conduct a foreclosure sale pursuant to the

note and mortgage. On February 13, 2007, Wells Fargo foreclosed on Clark’s 4

Three different Chapter 13 bankruptcy cases were filed in Clark’s name during 2

this period. Each case was dismissed for failure to make bankruptcy plan payments. She

contends that she filed the first case, but her bankruptcy attorney filed the other two cases

without her permission.

Ten days later, Wells Fargo sent a second letter to Clark informing her that she 3

had options, expressing the bank’s willingness to work with her, and suggesting that she contact

their offices or a consumer credit counseling agency. 

On December 13, 2006, S&P sent a “Verification Notice” to Clark. On December

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19, 2006, S&P sent a foreclosure notice and explanatory letter instructing Clark that the

foreclosure sale was set for January 11, 2007, and that an advertisement to that effect would run

in The Alabama Messenger. In response, Clark’s attorney sent a letter to Wells Fargo and S&P

threatening a lawsuit and demanding a payment history specifying the months Clark failed to

make her payments. On January 11, 2007, S&P postponed the foreclosure sale until January 29,

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mortgage. According to Wells Fargo’s records, Clark was eight payments behind

under the terms of her mortgage, excluding fees and foreclosure charges.

Annette Clark filed suit against S&P, attorney Edith Pickett, and Wells

Fargo in the United States District Court for the Northern District of Alabama,

alleging: (1) violation of the Fair Debt Collection Practices Act (“FDCPA”), (2)

conversion, (3) breach of contract, (4) fraud, (5) suppression, (6) conspiracy, (7)

negligent and wanton hiring, training, supervision and retention, (8) wrongful

foreclosure and (9) injunctive relief. The magistrate judge recommended summary

judgment as to all claims in favor of all Defendants. The district court adopted the

magistrate’s report and recommendation and granted summary judgment. We

affirm.

Standard of Review

We review a district court’s grant of summary judgment de novo, viewing

the facts and drawing all reasonable inferences in the light most favorable to the

non-moving party. Moore ex rel. Moore v. Reese, 637 F.3d 1220, 1231 (11th Cir.

2007, and contacted Wells Fargo to verify the amount and accuracy of the debt. Between

January 17, 2007, and February 6, 2007, S&P postponed the foreclosure sale twice and sent

Clark’s attorney three letters containing payment records. Additionally, S&P requested that

Clark’s attorney provide proof of payment for the missing payments. Clark’s attorney never

responded to this request.

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2011). Summary judgment is appropriate where “the movant shows that there is

no genuine dispute as to any material fact and the movant is entitled to judgment

as a matter of law.” Fed. R. Civ. P. 56(a). “Once the moving party has properly

supported its motion for summary judgment, the burden shifts to the nonmoving

party to ‘come forward with specific facts showing that there is a genuine issue for

trial.’ ” Int’l Stamp Art, Inc. v. U.S. Postal Serv., 456 F.3d 1270, 1274 (11th Cir.

2006) (quoting Matsushita Elec. Indus. Co. v. Zenith Radio Corp., 475 U.S. 574,

586-87, 106 S. Ct. 1348 (1986)). “No genuine issue of material fact exists if a

party has failed to ‘make a showing sufficient to establish the existence of an

element . . . on which that party will bear the burden of proof at trial.’ ” Am.

Fed’n of Labor & Cong. of Indus. Orgs. v. City of Miami, 637 F.3d 1178, 1186-87

(11th Cir. 2011) (modification in original) (quoting Celotex Corp. v. Catrett, 477

U.S. 317, 322, 106 S. Ct. 2548 (1986)). 

Discussion

Almost all of Clark’s claims hinge on whether or not her mortgage was in

default. Under the terms of the note and mortgage, the borrower defaults by

failing to pay in full any monthly payment by the due date of the next monthly

payment. Clark contends that she made all of her monthly mortgage payments

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from September 1, 1995, until November 31, 2006. However, there is

overwhelming evidence in the record that Clark’s mortgage was in arrears.

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Clark’s payment history reveals that at the time her third bankruptcy case was

filed, she was seven payments behind on her mortgage. During the course of the

third bankruptcy, the bankruptcy trustee made three payments toward Clark’s prepetition arrearage. Thus, at the time the bankruptcy case was dismissed in October

2006, Clark was still at least four payments behind on her mortgage. 

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According to the Bankruptcy Trustee’s Interim Statement of December 13,

2006, at the time Clark’s third bankruptcy case was dismissed, Clark still owed

Clark’s payment history is memorialized in multiple places in the record, 5

including: the Bankruptcy Trustee’s Disbursement Report; Wells Fargo’s “Loan History” records

for Clark’s loan; Wells Fargo’s “Bankruptcy Payment History” for Clark’s loan; and the “Pencil

Ledger” sent to Clark before the foreclosure sale.

Clark argues that pursuant to HUD regulations, she had to be three full payments 6

behind on her mortgage prior to foreclosure. However, Clark did not mention the HUD

regulations in her amended complaint. Instead, in the breach of contract claim in her amended

complaint, Clark asserts that “Pursuant to Section 6 of the mortgage contract/agreement, Wells

Fargo has the right to foreclose on the loan only when the plaintiff failed to make the monthly

mortgage payments.” (Doc. 22 ¶ 59). She further claims that she made all of her monthly

mortgage payments, was not in default, and Wells Fargo knew she was not in default. Not until

her briefs in opposition to the Defendants’ motions for summary judgment did she first advance

an argument based on the HUD regulations. Throughout discovery, the Defendants were on

notice only of her theory that they breached the contract by foreclosing when she had in fact

made all of her payments. “Having proceeded through discovery without amending (or seeking

to amend) [her] complaint to reflect [the] fundamental change [in the nature of her claim],

[Clark] was not entitled to raise it in the midst of summary judgment.” Hurlbert v. St. Mary's

Health Care Sys., Inc., 439 F.3d 1286, 1297 (11th Cir. 2006). However, assuming arguendo that

Clark can properly make that argument before this Court, the evidence demonstrates that she was

more than three payments in arrears.

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$1,334.54 to Wells Fargo toward the pre-petition arrearage. This amount does not

include any fees, escrow deficiencies, or expenses that accrued to Clark’s account

after the date she filed her third Chapter 13 case, nor does it include the one

missed post-petition payment. Based on the Bankruptcy Trustee’s Statement

alone, Clark was in default at the time Wells Fargo placed Clark’s mortgage in

foreclosure status. Furthermore, because Clark never attempted to make a 7

payment after November 2006, she was at least two additional payments behind

when Wells Fargo foreclosed on her mortgage in February 2007.

Although Clark insists she never missed a payment, she has failed to point

to any evidence to support her position. Given the documentary evidence, no

The district court properly found that the amount of Clark’s debt to Wells Fargo

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as of the beginning of her third bankruptcy was conclusively established as a matter of federal

bankruptcy law in the Bankruptcy Court for the Northern District of Alabama. This Court has

held that “[c]onfirmation of a Chapter 13 plan by a bankruptcy court of competent jurisdiction, in

accordance with the procedural requirements of notice and hearing of confirmation, is given the

same [preclusive] effect as any district court’s final judgment on the merits.” In re Bateman, 331

F.3d 821, 830 (11th Cir. 2003) (quotation omitted). This res judicata effect prohibits the

collateral attack of a confirmed plan, “bar[ring] litigation not only of every matter which was

actually offered and received to sustain the demand, but also of every claim which might have

been presented.” Id. at 825 n.4, 830 (quotation omitted). 

Wells Fargo timely filed a proof of claim in Clark’s third Chapter 13 case in the amount

of $4,756.15. The Bankruptcy Court confirmed Clark’s Chapter 13 plan on February 10, 2003. 

Because neither Clark nor any other interested party objected to the proof of claim prior to plan

confirmation, “it is ‘deemed allowed’ and is ‘prima facie evidence of the validity and amount’ of

the mortgage arrearage.” Id. at 827 (quoting 11 U.S.C. § 502(a); Fed. R. Bankr. P. 3001(f)). The

Proof of Claim Wells Fargo filed in Clark’s third Chapter 13 case and the Bankruptcy Court’s

Order confirming Clark’s Chapter 13 payment plan establish as a matter of law that Clark was in

default in the amount of $4,756.15 at the time she filed for bankruptcy protection in November

2002.

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reasonable trier of fact could believe Clark’s unsubstantiated testimony that she

was not in arrears on her mortgage at the time of foreclosure. Accordingly, the

district court properly granted summary judgment as to all claims based on the

premise that Clark’s mortgage was not in default. Thus, summary judgment was

proper as to the claims for conversion; breach of contract; fraud; suppression;

conspiracy; negligent and wanton hiring, training, supervision and retention; and

wrongful foreclosure as well as her claims under the FDCPA, 15 U.S.C. §§

1692e(2), 1692e(5), 1692e(10), 1692f(1), and 1692f(6).8

Clark’s two remaining claims also fail. First, Clark alleges that the

Defendants violated § 1692g(a) by failing to send a validation letter within five

days after the initial communication with a consumer in connection with the

collection of any debt. On December 6, 2006, pursuant to HUD regulation 24

C.F.R. § 203.675, S&P sent a letter addressed to the “Occupant” of the mortgaged

property. On December 13, 2006, S&P sent a letter addressed to Clark. This

Clark’s initial brief does not mention her claims under 15 U.S.C. §§ 1692d(2) and 8

1692e(4). Issues that are not briefed on appeal are considered abandoned. Denney v. City of

Albany, 247 F.3d 1172, 1182 (11th Cir. 2001). Therefore, she has waived these claims on

appeal. Additionally, Clark did not plead in her Amended Complaint a violation of 15 U.S.C. §

1692e(8). “This Court has repeatedly held that an issue not raised in the district court and raised

for the first time in an appeal will not be considered by this court.” Access Now, Inc. v.

Southwest Airlines Co., 385 F.3d 1324, 1331 (11th Cir. 2004) (quotations omitted). Thus, we do

not resolve her § 1692e(8) claim.

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second letter was labeled “VERIFICATION NOTICE” and contained all of the

information required under § 1692g(a). Thus, the second letter was the validation

letter required by the statute. However, Clark argues that because the letter was

sent more than five days after the initial HUD letter, S&P violated the FDCPA.

The Defendants contend that the HUD letter was not an “initial

communication” under the FDCPA. Section 1692g(a) requires a debt collector,

“[w]ithin five days after the initial communication with a consumer in connection

with the collection of any debt,” to send written notice verifying the debt and

instructing how the consumer can dispute the debt. In Vega v. McKay, 351 F.3d

1334 (11th Cir. 2003) (per curiam), we held that a foreclosure package consisting

of a civil complaint, a summons to appear for a pretrial conference, and a FDCPA

notice, was not an “initial communication” under § 1692g(a). Id. at 1335-37. 

Similarly, we have held that “a communication issued from [a] foreclosing party,

or its counsel, regarding the foreclosure, does not violate 15 U.S.C. § 1692c(b), as

such a communication is not subject to the FDCPA.” Acosta v. Campbell, 309

Fed. App’x 315 (11th Cir. 2009) (per curiam). It follows that if the HUD letter

was a communication issued from a foreclosing party or its counsel regarding the

foreclosure, then it is not an “initial communication” that triggers the five-day

requirement under § 1692g(a). 

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The HUD letter was sent by S&P, counsel to foreclosing party Wells Fargo. 

The letter informed the occupant that the mortgage was about to be foreclosed and

that the property would be transferred first to Wells Fargo and then to the

Secretary of HUD. The letter explained that HUD generally requires that there be

no one living in properties for which it accepts ownership unless certain

conditions are met. Finally, the letter included a copy of the conditions and

explained how the occupant could contact HUD in order to request to remain on

the property. Nothing in the letter suggested that it was an “initial communication

with a consumer in connection with the collection of any debt.” § 1692g(a). 

Instead, the letter was a communication from the counsel of a foreclosing party

regarding a foreclosure. As such, the HUD letter was not an “initial

communication” under § 1692g(a), and the Defendants did not violate the five-day

requirement for sending the validation letter. Additionally, the contents of the

validation letter sent on December 13, 2006, complied with the requirements set

forth in § 1692g(a). Therefore, the district court properly granted summary

judgment as to Clark’s claim under § 1692g(a).

Finally, Clark claims that S&P violated § 1692g(b) by threatening to

foreclose and taking steps to foreclose on Clark’s mortgage prior to the expiration

of thirty days from December 13, 2006—the date of the validation letter. 

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However, the “plain language of § 1692g(b) does not extinguish a creditor’s right

to secure a debt under state law, but instead merely prohibits deceptive collection

techniques.” Shimek v. Weissman, Nowack, Curry & Wilco, P.C., 374 F.3d

1011, 1013 (11th Cir. 2004). Section 1692g(b) provides:

If the consumer notifies the debt collector in writing within the

thirty-day period described in subsection (a) of this section that the

debt, or any portion thereof, is disputed, or that the consumer requests

the name and address of the original creditor, the debt collector shall

cease collection of the debt, or any disputed portion thereof, until the

debt collector obtains verification of the debt or a copy of a judgment,

or the name and address of the original creditor, and a copy of such

verification or judgment, or name and address of the original creditor,

is mailed to the consumer by the debt collector. Collection activities

and communications that do not otherwise violate this subchapter

may continue during the 30-day period referred to in subsection (a) of

this section unless the consumer has notified the debt collector in

writing that the debt, or any portion of the debt, is disputed or that the

consumer requests the name and address of the original creditor. Any

collection activities and communication during the 30-day period may

not overshadow or be inconsistent with the disclosure of the

consumer’s right to dispute the debt or request the name and address

of the original creditor. 

15 U.S.C. § 1692g(b) (emphasis added). 

Prior to the expiration of the thirty-day period, Clark’s attorney disputed the

debt via a letter dated January 10, 2007. Upon receipt of that letter, S&P

immediately postponed the foreclosure sale from January 11, 2007, until January

29, 2007, and verified the debt with Wells Fargo. Nothing in the Defendants’

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conduct violated § 1692g(b). Therefore, the district court properly granted

summary judgment as to Clark’s claim under § 1692g(b). 

AFFIRMED. 

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Clark’s request for oral argument is DENIED. 9

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