[Cite as First Horizon Home Loans v. White, 2011-Ohio-1982.]

 

IN THE COURT OF APPEALS OF OHIO 

 SECOND APPELLATE DISTRICT 

 MONTGOMERY COUNTY 

FIRST HORIZON HOME LOANS, A : 

DIVISION OF FIRST TENNESSEE : Appellate Case No. 24244 

BANK NATIONAL ASSOCIATION : 

SUCCESSOR BY MERGER TO FIRST : Trial Court Case No. 2010-CV-04513 

HORIZON HOME LOAN : 

CORPORATION : 

: 

Plaintiff-Appellee : (Civil Appeal from 

: (Common Pleas Court) 

v. : 

: 

TERESA D. WHITE, et al. : 

: 

Defendant-Appellant : 

: 

. . . . . . . . . . . 

O P I N I O N

Rendered on the 22nd day of April, 2011. 

. . . . . . . . . . . 

ELIZABETH S. FULLER, Atty. Reg. #0081032, Lerner, Sampson & Rothfuss, LPA, 120 East 

Fourth Street, 8th Floor, Cincinnati, Ohio 45202 

Attorney for Plaintiff-Appellee 

 

TERESA D. WHITE, 1742 Suman Avenue, Dayton, Ohio 45403 

Defendant-Appellant, pro se

 . . . . . . . . . . . . . 

 

BROGAN, J. 

{¶ 1} Teresa White appeals from the judgment of the Montgomery County Common 

Pleas Court in favor of First Horizon Home Loans (hereinafter “First Horizon”). 
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{¶ 2} In June 2010, First Horizon filed a complaint in foreclosure alleging that White 

had defaulted in the payment of a promissory note which she executed on March 17, 2004 in 

the amount of $45,400 to First Horizon. First Horizon alleged White was in default for 

non-payment as of December 1, 2009, and in accordance with the terms of the note she owed 

First Horizon $41,645.63 together with interest due thereon. 

{¶ 3} The complaint alleged that White was immune from personal liability on the 

note by virtue of her taking bankruptcy. The plaintiff alleged in a separate count that White 

executed a mortgage on the real estate located at 1742 Suman Avenue to secure the 

promissory note and that it was the first lien holder upon the real estate. First Horizon named 

a John Doe defendant as current spouse of White in the event she was presently married. The 

plaintiff also named as defendants the State of Ohio Department of Taxation and Greenville 

National Bank who allegedly had recorded judgment liens against White. 

{¶ 4} In its prayer for relief, First Horizon requested that the court adjudge it as first 

lien holder on the subject property, that the mortgage be foreclosed and the property sold so it 

could be paid the amount due from White. The plaintiff was not seeking a personal judgment 

against White for any deficiency that might result from the sale of the property. 

{¶ 5} On June 28, 2010, White moved the court to extend the time for answer. She 

requested 28 additional days to answer because she said she was seeking an attorney to assist 

her in contesting the foreclosure. On July 1, 2010, the trial court granted White an additional 

30 days to answer the complaint. 

{¶ 6} On July 19, 2010, the Department of Taxation answered the complaint and 

disclaimed any interest in the litigation. When neither Greenville National Bank nor White 
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answered the complaint in a timely manner, First Horizon moved on August 2, 2010 for a 

default judgment. Counsel for First Horizon certified that she served White and the 

Greenville Bank with the motion. 

{¶ 7} On August 9, 2011, the trial court granted First Horizon’s default motion. The 

court found that White was in default for failing to answer the complaint, and no service was 

obtained on the alleged John Doe. The court found the allegations in the complaint to be true 

and ordered that the interest of the defendants in the property be foreclosed and the real estate 

sold. 

{¶ 8} On September 1, 2010, White appealed the judgment entered by the trial court. 

 In her appellate brief, Ms. White contends the trial court’s judgment should be overturned 

because the plaintiff’s complaint included a John Doe defendant alleged to be her husband. 

She states that she has never married. Also, she argues that she does not owe the 

Department of Taxation any money and the judgment lien mentioned in the complaint is for 

Teresa A. White, not Theresa D. White. Lastly, she alleges in her brief that she entered into 

an agreement on July 19, 2010 with First Horizon to begin a repayment plan for the amount in 

arrears on the note. She alleges that this agreement was to have ended the foreclosure 

proceedings. She included a copy of the agreement and a copy of the cashier’s check sent to 

First Horizon. 

{¶ 9} For its part First Horizon argues that White was not prejudiced by the naming 

of a John Doe defendant and the Ohio Department of Taxation. We agree. The John Doe 

defendant was named in the event White was married so that her husband’s (if she was 

married) dower interest could be foreclosed in the litigation. See Huntington Nat’l Bank v. 
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Ross (1998), 130 Ohio App.3d 687. The Department of Taxation answered and disclaimed 

any interest in the legal proceedings. 

{¶ 10} First Horizon argues that the trial court properly granted its default motion 

because the alleged Forbearance Agreement was unexecuted and was not presented to the trial 

court before the default judgment was entered. 

{¶ 11} We agree with appellee that we may only consider what was presented to the 

trial court. It is the actions of the trial court we are reviewing. If First Horizon agreed to 

forbear pursuing the foreclosure action upon receipt of a signed agreement and two-thousand 

dollars from White, she may be entitled to relief under Civ.R. 60(B). If White did not answer 

the complaint because of the alleged agreement, this may be excusable neglect under the Rule. 

 Ms. White, of course, would still have to demonstrate she has a meritorious defense to the 

foreclosure action to present. Antonopoulos v. Eisner (1972), 30 Ohio App.2d 187. 

{¶ 12} However, based on the record before us the appellant’s assignments of error 

have no merit. The judgment of the trial court is Affirmed. 

 . . . . . . . . . . . . . 

GRADY, P.J., and FROELICH, J., concur 

(Hon. James A. Brogan, retired from the Second District Court of Appeals, sitting by 

assignment of the Chief Justice of the Supreme Court of Ohio). 

Copies mailed to: 

Elizabeth S. Fuller 

Teresa D. White 

Hon. Gregory F. Singer 
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