            Case: 12-14535   Date Filed: 09/05/2013   Page: 1 of 8


                                                         [DO NOT PUBLISH]


             IN THE UNITED STATES COURT OF APPEALS

                     FOR THE ELEVENTH CIRCUIT
                       ________________________

                             No. 12-14535
                         Non-Argument Calendar
                       ________________________

                    D.C. Docket No. 1:11-cv-00688-JOF


CLARENCE CARR,

                                                             Plaintiff-Appellant,

                                   versus

U.S. BANK, NA,
as Trustee for TBW Mortgage Backed-Trust
Series 2006-5 Mortgage Pass Through
Certificates 2006-6,
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC.,

                                                         Defendants-Appellees.

                       ________________________

                Appeal from the United States District Court
                   for the Northern District of Georgia
                      ________________________

                             (September 5, 2013)

Before HULL, JORDAN and FAY, Circuit Judges.

PER CURIAM:
                Case: 12-14535       Date Filed: 09/05/2013       Page: 2 of 8


       Clarence Carr appeals the district court’s grant of summary judgment in

favor of U.S. Bank, NA (“U.S. Bank”) on his wrongful foreclosure claim arising

under Georgia law in his action that was removed from state court on diversity

jurisdiction, 28 U.S.C. §§ 1332, 1441. We affirm.

                                               I.

       In his complaint, Carr claimed that U.S. Bank wrongfully had foreclosed on

his real property. He alleged that, although he had signed the underlying security

deed, the notice of the initiation of proceedings to exercise the power of sale in the

security deed was not sent by the secured creditor, in violation of Georgia law. 1

       U.S. Bank filed a summary judgment motion and argued Carr had received

proper notice of the initiation of foreclosure proceedings under Georgia law by a

letter dated January 7, 2010 (“January 2010 letter”), that Moss Codilis, L.L.P.

(“Moss Codilis”) sent on behalf of the servicer and secured creditor. The January

2010 letter stated that Moss Codilis had been authorized by the servicer of Carr’s

loan and the creditor to contact Carr and that the servicer was providing formal

notice, as authorized by the creditor of the loan, that Carr was in default under the

conditions of the note and security instrument for his failure to pay the required


       1
         Carr’s complaint also brought suit against Mortgage Electronic Registration Systems,
Inc. Carr’s case against that entity was dismissed because he failed to properly effect service,
and he has abandoned any challenge to that determination by not raising that challenge on
appeal. See Irwin v. Hawk, 40 F.3d 347, 347 n.1 (11th Cir. 1994) (providing that arguments not
raised on appeal are abandoned).


                                                2
              Case: 12-14535     Date Filed: 09/05/2013    Page: 3 of 8


installments when due. The letter stated that Carr was required to pay the full

amount of the default on the loan by the 35th day from the date of the letter. If

Carr did not comply, then the entire sum due would be accelerated and any

remedies provided in the note and security instrument would be invoked, including

foreclosing on the property.

      Carr responded the January 2010 letter did not satisfy the notice

requirements of O.C.G.A. §44-14-162.2, because the notice was not sent by the

secured creditor. He noted that the January 2010 letter was sent on behalf of the

servicer and failed to identify the secured creditor by name.

      In a report and recommendation (“R&R”), the magistrate judge determined

that Carr could not show any breach of a legal duty owed to him by U.S. Bank

based on a failure to comply with Georgia’s statutory notice requirements. The

magistrate concluded that § 44-14-162.2 did not require the notice of the initiation

of foreclosure proceedings to identify the secured party, only that the notice

provide the “name, address, and telephone number of the individual or entity who

shall have full authority to negotiate, amend, and modify all terms of the mortgage

with the debtor.” In this case, the notice sufficiently provided the required

information. The magistrate further determined that the notice required under

§ 44-14-162.2 could be sent by a duly authorized agent. Accordingly, because the

notice was sent on behalf of the loan servicer and the creditor by an authorized


                                          3
                 Case: 12-14535        Date Filed: 09/05/2013       Page: 4 of 8


agent of the entity to whom indebtedness was owed, the notice complied with § 44-

14-162.2. The magistrate recommended that U.S. Bank’s motion for summary

judgment be granted with respect to Carr’s wrongful foreclosure claim.

       Carr did not file any formal objections to the magistrate’s R&R. The district

court reviewed and adopted the R&R, and it granted U.S. Bank’s motion for

summary judgment.

                                                II.

       On appeal, Carr argues the district court erred in granting summary

judgment in favor of U.S. Bank, because the record before the district court did not

contain any evidence showing that Carr received proper notice of the foreclosure

sale of his property, as required by § 44-14-162.2. Carr argues that the January

2010 letter could not serve as the notice required under § 44-14-162.2. He

contends the letter did not identify the secured creditor on whose behalf notice was

being provided, and the letter was sent by a law firm on behalf of the loan servicer

and an unidentified creditor. Carr argues the district court erred in determining

that he could not demonstrate a causal relationship between any defect in the notice

and his claimed injuries. 2


       2
           Carr also argues for the first time on appeal that: (1) he did not receive a copy of the
advertisement of the foreclosure sale; (2) no notice was sent by registered, certified, or overnight
mail; (3) he did not receive notice of the specific date of the foreclosure sale; and (4) he was not
actually notified of the initiation of the proceedings to exercise the power of sale, as the January
2010 letter only threatened to commence such proceedings. We decline to address these
arguments not raised in the district court. See Ramirez v. Sec’y, U.S. Dep’t of Transp., 686 F.3d
                                                 4
                Case: 12-14535       Date Filed: 09/05/2013      Page: 5 of 8


       We review de novo a district court’s grant of summary judgment. Burton v.

Tampa Hous. Auth., 271 F.3d 1274, 1276 (11th Cir. 2001). Summary judgment

should be granted where the movant shows 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).

       In order to prevail on a wrongful foreclosure claim in Georgia, the plaintiff

must establish the defendant violated Georgia’s foreclosure statutes. McCarter v.

Bankers Trust Co., 543 S.E.2d 755, 758 (Ga. Ct. App. 2000). “[A] plaintiff

asserting a claim of wrongful foreclosure must establish a legal duty owed to it by

the foreclosing party, a breach of that duty, a causal connection between the breach

of that duty and the injury it sustained, and damages.” Gregorakos v. Wells Fargo

Nat’l Ass’n, 647 S.E.2d 289, 292 (Ga. Ct. App. 2007) (citation, internal quotation

marks, and alteration omitted).

       Pursuant to § 44-14-162.2(a), the following notice requirements must be

given to the debtor prior to a foreclosure sale:

       [n]otice of the initiation of proceedings to exercise a power of sale in
       a mortgage, security deed, or other lien contract shall be given to the
       debtor by the secured creditor no later than 30 days before the date of
       the proposed foreclosure. Such notice shall be in writing, shall
       include the name, address, and telephone number of the individual or
       entity who shall have full authority to negotiate, amend, and modify


1239, 1249 (11th Cir. 2012) (providing that we will “generally refuse to consider arguments
raised for the first time on appeal”).

                                               5
                 Case: 12-14535   Date Filed: 09/05/2013   Page: 6 of 8


      all terms of the mortgage with the debtor, and shall be sent by
      registered or certified mail or statutory overnight delivery, return
      receipt requested, to the property address or to such other address as
      the debtor may designate by written notice to the secured creditor.

O.C.G.A. § 44-14-162.2(a). Where notice is not proper under § 44-14-162.2, the

sale of the underlying real estate is not valid. See O.C.G.A. § 44-14-162(a).

      The Northern District of Georgia recently certified three questions to the

Supreme Court of Georgia regarding the operation of Georgia’s law governing

non-judicial foreclosures. You v. JP Morgan Chase Bank, N.A., 743 S.E.2d 428,

429-30 (Ga. 2013). The second question specifically asked: “Does O.C.G.A.

§ 44-14-162.2(a) require that the secured creditor be identified in the notice

described by that statute?” Id. at 430. The Georgia Supreme Court issued its

decision answering this question after briefing concluded in this appeal.

      As to the second question, the Georgia Supreme Court answered in the

negative and referenced the language in O.C.G.A. § 44-14-162.2(a) to determine

whom the notice must name. Id. at 433. It stated:

      If that [individual with the authority to negotiate, amend, and modify
      the terms of the mortgage] is the holder of the security deed, then the
      deed holder must be identified in the notice; if that individual or entity
      [with the authority] is the note holder, then the note holder must be
      identified. If that individual or entity is someone other than the deed
      holder or the note holder, such as an attorney or servicing agent, then
      that person must be identified.

Id. at 433-34.



                                          6
               Case: 12-14535     Date Filed: 09/05/2013    Page: 7 of 8


      Carr’s argument, that the January 2010 letter does not identify the secured

creditor, is meritless because § 44-14-162.2(a) does not require that a notice of the

initiation of proceedings to exercise a power of sale do so. See id. In fact, the case

most heavily relied upon by Carr to argue this point was vacated and remanded for

reconsideration by the Georgia Supreme Court following its You decision. See

Reese v. Provident Funding Assocs., 730 S.E.2d 551 (Ga. Ct. App. 2012), vacated

and remanded, No. S12C2028, order (May 20, 2013). You explains that § 44-14-

162.2(a) only requires notice letters to identify the entity with the authority to

modify the mortgage. See You, 743 S.E.2d at 433-34. The district court

determined that the January 2010 letter identified the entity with the authority to

modify the mortgage. Because Carr has not challenged this determination on

appeal, his argument is abandoned. See Irwin, 40 F.3d at 347 n.1.

      Carr’s argument that the January 2010 letter was improper because it was

sent by a law firm is without merit. In Reese, the Georgia Court of Appeals

determined that § 44-14-162.2 does not require the secured creditor to send the

notice of the initiation of foreclosure proceedings. See Reese, 730 S.E.2d at 552-

53, vacated and remanded on other grounds, No. S12C2028, order (May 20,

2013). An entity with authority to act on behalf of the secured creditor may send

the relevant notice. Id. Further, the notice did not need to reflect that Moss Codilis

had the authority to send the notice on behalf of the secured creditor. See You, 743


                                           7
              Case: 12-14535     Date Filed: 09/05/2013   Page: 8 of 8


S.E.2d at 433-34 (providing that only the individual or entity with the authority to

modify the terms of the mortgage must be identified in the § 44-14-162.2 notice).

Carr has not shown that notice was improper under § 44-14-162.2, such that the

foreclosure sale was invalid. See O.C.G.A. § 44-14-162(a). Additionally, Carr has

not shown that U.S. Bank breached a legal duty owed to Carr with respect to

providing notice under § 44-14-162.2. See Gregorakos, 647 S.E.2d at 292.

Because Carr has not shown that U.S. Bank breached a legal duty owed to him, his

wrongful foreclosure claim is unavailing. See id. Consequently, it is unnecessary

to address Carr’s arguments concerning whether he can show causation as to that

claim.

         AFFIRMED.




                                          8
