[ DO NOT PUBLISH] 

## In the 

# United States Court of Appeals
For the Eleventh Circuit

____________________

No. 21

- 10594

Non

- Argument Calendar

____________________

JAMES LEONARD HINES,

Plaintiff

- Appellant,

versus
REGIONS BANK, f.k.a . Union Planters Bank, N.A.,

Defendant

- Appellee.

____________________ Appeal from the United States District Court
for the Northern District of Alabama
D.C. Docket No. 5:19

- cv

- 01819

- LCB

____________________ USCA11 Case: 21-10594 Date Filed: 10/05/2021 Page: 1 of 52 Opinion of the Court 21

- 10594

Before W ILLIAM P RYOR , Chief Judge, L AGOA , and B RASHER , Circuit Judges.

PER CURIAM: James Hines appeals pro se the dismissal of his amended complaint against Regions Bank. Hines complained that Regions
violated the Fair Debt Collection Practices Act. The district court ruled that Hines failed to state a plausible claim against Regions,

se e Fed. R. Civ. P. 12(b)(6), and that it would be futile to allowHines to further amend his complaint. Later, the district court denied Hines’s motions to alter, amend, or vacate, Fed. R. Civ. P. 59(e), and for leave to file a surreply. We affirm.

Two sta ndards of review govern this appeal. “We review de

novo the district court’s grant of a motion to dismiss for failure tostate a claim under Fed. R. Civ. P. 12(b)(6), accepting the allegations in the complaint as true and construing them in the light most favorable to the plaintiff.” Timson v. Sampson , 518 F.3d 870, 872 (11th Cir. 2008). We review for abuse of discretion the denial of a postjudgment motion. See Hartford Cas. Ins. Co. v. Crum & Forster Specialty Ins. Co. , 828 F.3d 1331, 1333 (11th Cir. 2016)

. The district court did not err by dismissing Hines’s amended complaint. Hines failed to “plead factual content that allow[ed] the [district] court to draw the reasonable inference that [Regions] is a ‘debt collector’ under the [Collection Practices Act] and therefore liable for the misconduct alleged.” Davidson v. Cap. One Bank USCA11 Case: 21-10594 Date Filed: 10/05/2021 Page: 2 of 521

- 10594 Opinion of the Court 3

(USA), N.A., 797 F.3d 1309, 1313 (11th Cir. 2015) (internal quotation marks omitted). Hines’s conclusory allegation that Regions is a debt collector did “not prevent dismissal.” Ox ford Asset Mgmt., Ltd. v. Jaharis, 297 F.3d 1182, 1188 (11th Cir. 2002). And Hines alleged no facts that Regions was a debt collector by being a business “the principal purpose of which is the collection of any debts” or by “regularly collect[ing] or attem pt[ing] to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.”
See 15 U.S.C. § 1692a(6). Nor did Hines allege that Regions or its attorney engaged in “conduct . . . related to debt collection.” See Reese v. Ellis, Pai nter, Ratterree & Adams, LLP , 678 F.3d 1211, 1216 (11th Cir. 2012). That Regions, as a creditor, mailed Hines an
acceleration letter and advertised the foreclosure sale in the newspaper, as required by Hines’s mortgage, see Ex parte Turner , 254 So. 3d 207, 210 (Ala. 2017), to “engage in . . . nonjudicial foreclosureproceedings . . . [did] not [make Regions or its counsel] debt collectors within the meaning of the [Act],” Obduskey v. McCarthy & Holthus LLP, 139 S. Ct. 1029, 1038 (2019). Regions never demand ed a payment of a debt from Hines. Hines’s bankruptcy did not bar Regions from initiating anonjudicial foreclosure on Hines’s property. A discharge of personal debt in a Chapter 7 proceeding does not prohibit a secured creditor from enforcing a valid, pre existing mortgage lien so long as the creditor does not seek to hold the debtor personally liable.

In re Wrenn , 40 F.3d 1162, 1164 (11th Cir. 1994) (“[D]ischarge does not affect liability in rem, and prepetition liens remain enforceable USCA11 Case: 21-10594 Date Filed: 10/05/2021 Page: 3 of 54 Opinion of the Court 21

- 10594

after discharge.”). Regions informed Hines in the acceleration letter that “this notice is not intended and does not constitute an attempt to collect a debt against you personally” and “this is not an attempt to assert that you have any personal liability for this debt.” And Hines alleged that he was “not obligated on the indebtedness since his personal liability was discharged in bankruptcy in 2014.” So Regions could foreclose on Hines’s property.Hines argues that Regions violated the discharge order entered in his Chapter 7 bankruptcy proceeding, see 11 U.S.C. § 524(a)(2), but this argument is not properly before us. As the district court stated, Hines “presented [the] argument for the first time in his motion to alter, amend, or vacate” the order that dismissed his compla int. Hines was not allowed to “raise [an] argument . . . [in his postjudgment motion] that could have been raised prior to the entry of judgment.” Arthur v. King , 500 F.3d 1335, 1343 (11th Cir. 2007). Hines argues that the district court violated his right to a trialby jury under the Seventh Amendment, but the district court correctly dismissed Hines’s complaint for failure to state a claim for
relief. See Fed. R. Civ. P. 12(b)(6). Hines had no right to a jury trial when no factual dispute existed for a ju ry to resolve. See Garvie v. City of Fort Walton Beach, Fla. , 366 F.3d 1186, 1190 (11th Cir. 2004).

The district court did not abuse its discretion when it denied Hines’s motion for leave to file a surreply. The Federal Rules of Civil Procedure do not prov ide for surreplies. See generally Fed. R. USCA11 Case: 21-10594 Date Filed: 10/05/2021 Page: 4 of 521

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Civ. P. 7(a). And Hines was not entitled to submit a filing in which he repeated arguments he had already made opposing the dismissal of his complaint.

We AFFIRM the dismissal of Hines’s amended complaint. USCA11 Case: 21-10594 Date Filed: 10/05/2021 Page: 5 of 5