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UNITED STATES DISTRICT COURT

EASTERN DISTRICT OF MICHIGAN

SOUTHERN DIVISION

____________________

CITIMORTGAGE, INC., 

Case No. 2:09-cv-12881

Plaintiff, Hon. Sean F. Cox

v.

ANDREA CRAYTON, et al., 

Defendants.

__________________________________________/

OPINION & ORDER

This is a mortgage foreclosure case in which Plaintiff CitiMortgage, Inc. (“Citi”) seeks

foreclosure of a residential property. The matter is currently before the Court on Citi’s

Application for Entry of Partial Default Judgment. The Court held a hearing on March 11, 2010.

For the reasons that follow, Citi’s Application for Entry of Partial Default Judgment shall be

granted as to both Andrea Crayton and Mercy Westbrook. 

BACKGROUND

Citi filed this foreclosure action against Defendants Andrea Crayton (“Crayton”), Mercy

Westbrook (“Westbrook”), and the United States of America (“United States”) in Wayne County

Circuit Court. The United States removed to federal court.

The property that is the subject of this action (“Property”) is located at 19140 Woodson,

Detroit, Michigan 48203, and is more particularly described as:
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Lot 260 And 262, of Palmer Woods Subdivision, according to the

Plat thereof, as recorded in Liber 32, Page(s) 16, Wayne County

Records

Tax ID: 02-004666, 02-004578

Citi’s First Amended Complaint (Doc. No. 1 Ex. 1) alleges that Westbrook owned the

Property until October 4, 2007, at which time Westbrook executed a warranty deed to Crayton. 

Crayton made a promissory note to Royal Crown Bancorp for $417,000.00, and granted a

purchase money mortgage on the Property. 

Because Crayton has not appeared and has not presented any defense, the record is

unclear as to whether Crayton actually executed the promissory note and purchased the Property,

or whether she is a victim of identity fraud.

On March 7, 2008, Citi acquired the promissory note. 

Crayton did not make any payments on the note. 

Crayton has been served by certified mail at her address, P.O. Box 8211 St. Louis,

Missouri 63156. Westbrook has been personally served at her address, 19522 Greenwald,

Southfield, Michigan 48075. 

On December 1, 2009, Citi filed a Motion for Default Judgment as to Crayton and

Westbrook. On December 15, 2009, this Court denied the motion for failure to first get a Clerk’s

Entry of Default.

On December 24, 2009, Citi requested and was granted a Clerk’s Entry of Default as to

both Crayton and Westbrook. 

ANALYSIS

In its Application for Entry of Partial Default Judgment, Citi requests the Court declare

that Crayton’s and Westbrook’s interests in the Property “are forever extinguished . . . ,” and to
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declare that “Citi holds a first priority purchase money mortgage on the Property, subject only to

the interests of the United States, if any, that are of superior priority, the existence, amount and

priority of which interests remain in dispute in this action.” (Pl.’s App. at 4). 

Federal Rule of Civil Procedure 54(c) provides that “[a] default judgment must not differ

in kind from, or exceed in amount, what is demanded in the pleadings.” Here, Citi’s requested

relief does not appear to differ in kind or exceed in amount, the relief demanded in its pleadings. 

In Citi’s First Amended Complaint, it requested “that the Mortgage be foreclosed and the

Property be sold by the Wayne County Sheriff or Clerk . . . .” (Compl. at 5). Citi also requested

the Court to declare that it has “a first priority purchase money mortgage on the Property superior

to all other security interests therein . . . .” (Compl. at 7). 

The relief requested by Citi’s Application does not therefore differ in kind, or exceed in

amount the relief which Citi demanded in the pleadings. 

CONCLUSION & ORDER

For the reasons set forth above, IT IS ORDERED that Citi’s Application for Entry of

Partial Default Judgment is GRANTED as to Defendants Crayton and Westbrook. 

IT IS SO ORDERED.

S/Sean F. Cox 

Sean F. Cox

United States District Judge

Dated: March 19, 2010

I hereby certify that a copy of the foregoing document was served upon counsel of record on 
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March 19, 2010, by electronic and/or ordinary mail.

S/Jennifer Hernandez 

Case Manager