ILNews

COA: Wife is liable for mortgages

Back to TopCommentsE-mailPrintBookmark and Share

The Indiana Court of Appeals affirmed a judgment against a woman who denied signing for mortgages that are now in foreclosure; however, the judges disagreed whether the mortgage holder proved default under the terms of the notes.

This is the second appeal in the matter of Alicia Bonilla v. Commercial Services of Perry Inc., et al., No. 45A03-0803-CV-105. Initially, a trial court granted Alicia Bonilla's motion for judgment on the evidence as to whether she was liable for her deceased husband's two mortgages. Bonilla's signature was on both of the mortgages, but she denied signing. The Court of Appeals reversed and remanded for a new trial.

The trial court admitted samples of Bonilla's handwriting and found a difference between the samples and the mortgage documents, but still ruled in favor of Commercial Services of Perry, which was a successor in interest to the original mortgages signed in 1984 and 1985. A judgment was entered against Bonilla for more than $540,000 on both loans.

Under Indiana Code, Bonilla's notarized signatures on the two mortgages are presumptive evidence that she signed them, wrote Chief Judge John Baker. Once she presented rebutting evidence that she signed the documents, the presumption effectively became an inference, which the trial court could weigh against her testimony and handwriting samples, the judge continued. The trial court concluded her evidence was inadequate to rebut the presumption and the Court of Appeals declined to address Bonilla's argument the trial court erred because that would require reweighing the evidence and addressing credibility.

Chief Judge Baker and Judge Paul Mathias affirmed the award of damages against Bonilla even though Perry didn't introduce the actual promissory notes underlying the mortgages. Citing the Indiana Supreme Court's holding in Yanoff v. Muncy, 688 N.E.2d 1259 (Ind. 1997), and the previous appellate ruling in this matter, the majority held Perry isn't required to introduce the promissory notes into evidence to recover the debt. In addition, the record does contain evidence establishing the terms, dates, other information on the two mortgages, and indicates Bonilla conceded no payments had been made on either mortgage.

Judge Elaine Brown dissented from the majority in regards to the damages, writing that evidence on the essential terms of the notes - term payment requirements, when the notes were due - was missing.

"Although the majority infers default because Bonilla testified that no payments had been made, without the terms of the notes and the payment requirements, I am unable to agree that the evidence presented proved that the loans are in default," she wrote.

ADVERTISEMENT

Post a comment to this story

COMMENTS POLICY
We reserve the right to remove any post that we feel is obscene, profane, vulgar, racist, sexually explicit, abusive, or hateful.
 
You are legally responsible for what you post and your anonymity is not guaranteed.
 
Posts that insult, defame, threaten, harass or abuse other readers or people mentioned in Indiana Lawyer editorial content are also subject to removal. Please respect the privacy of individuals and refrain from posting personal information.
 
No solicitations, spamming or advertisements are allowed. Readers may post links to other informational websites that are relevant to the topic at hand, but please do not link to objectionable material.
 
We may remove messages that are unrelated to the topic, encourage illegal activity, use all capital letters or are unreadable.
 

Messages that are flagged by readers as objectionable will be reviewed and may or may not be removed. Please do not flag a post simply because you disagree with it.

Sponsored by
ADVERTISEMENT
Subscribe to Indiana Lawyer
  1. Just an aside, but regardless of the outcome, I 'm proud of Judge William Hughes. He was the original magistrate on the Home place issue. He ruled for Home Place, and was primaried by Brainard for it. Their tool Poindexter failed to unseat Hughes, who won support for his honesty and courage throughout the county, and he was reelected Judge of Hamilton County's Superior Court. You can still stand for something and survive. Thanks, Judge Hughes!

  2. CCHP's real accomplishment is the 2015 law signed by Gov Pence that basically outlaws any annexation that is forced where a 65% majority of landowners in the affected area disagree. Regardless of whether HP wins or loses, the citizens of Indiana will not have another fiasco like this. The law Gov Pence signed is a direct result of this malgovernance.

  3. I gave tempparry guardship to a friend of my granddaughter in 2012. I went to prison. I had custody. My daughter went to prison to. We are out. My daughter gave me custody but can get her back. She was not order to give me custody . but now we want granddaughter back from friend. She's 14 now. What rights do we have

  4. This sure is not what most who value good governance consider the Rule of Law to entail: "In a letter dated March 2, which Brizzi forwarded to IBJ, the commission dismissed the grievance “on grounds that there is not reasonable cause to believe that you are guilty of misconduct.”" Yet two month later reasonable cause does exist? (Or is the commission forging ahead, the need for reasonable belief be damned? -- A seeming violation of the Rules of Profession Ethics on the part of the commission) Could the rule of law theory cause one to believe that an explanation is in order? Could it be that Hoosier attorneys live under Imperial Law (which is also a t-word that rhymes with infamy) in which the Platonic guardians can do no wrong and never owe the plebeian class any explanation for their powerful actions. (Might makes it right?) Could this be a case of politics directing the commission, as celebrated IU Mauer Professor (the late) Patrick Baude warned was happening 20 years ago in his controversial (whisteblowing) ethics lecture on a quite similar topic: http://www.repository.law.indiana.edu/cgi/viewcontent.cgi?article=1498&context=ilj

  5. I have a case presently pending cert review before the SCOTUS that reveals just how Indiana regulates the bar. I have been denied licensure for life for holding the wrong views and questioning the grand inquisitors as to their duties as to state and federal constitutional due process. True story: https://www.scribd.com/doc/299040839/2016Petitionforcert-to-SCOTUS Shorter, Amici brief serving to frame issue as misuse of govt licensure: https://www.scribd.com/doc/312841269/Thomas-More-Society-Amicus-Brown-v-Ind-Bd-of-Law-Examiners

ADVERTISEMENT