       Third District Court of Appeal
                               State of Florida

                            Opinion filed July 27, 2016.
         Not final until disposition of timely filed motion for rehearing.

                               ________________

                                No. 3D15-10
                         Lower Tribunal No. 13-28478
                             ________________


                              Devina Dhanasar,
                                    Appellant,

                                        vs.

                      JPMorgan Chase Bank, N.A.,
                                    Appellee.


      An appeal from the Circuit Court for Miami-Dade County, Eugene J. Fierro,
Senior Judge.

      Scanziani Law Group and Denise Martinez-Scanziani and Paul John
Scanziani, for appellant.

      Kula & Associates and Elliot B. Kula and W. Aaron Daniel, for appellee.


Before SUAREZ, C.J., and WELLS and EMAS, JJ.

      SUAREZ, C.J.

      Devina Dhanasar appeals from a final judgment of foreclosure. We affirm.
      Dhanasar defaulted on her mortgage payments in April 2008.                  The

predecessor bank, Washington Mutual, sent a notice of default and acceleration

with a thirty-day cure provision. The foreclosure Complaint that is the subject of

this appeal was filed on August 31, 2013.          The 2013 Complaint sought the

accelerated amounts due from April 2008 forward. Dhanasar filed her Answer,

asserting nineteen affirmative defenses, the last being the five-year statute of

limitations on mortgage foreclosure actions pursuant to section 95.11(2)(c), Florida

Statutes (2013).

      The trial was held December 2014. At trial, both parties stipulated that they

would proceed solely on the statute of limitations issue.         Dhanasar’s counsel

argued that the July 18, 2008 notice of default and thirty-day cure option triggered

the start of the five-year statute of limitation on the foreclosure action when the

thirty days expired. Thus, Dhanasar argued, the statute of limitation expired on

July 18, 2013 and the Bank’s August 31, 2013 Complaint was time barred.1

      JPMorgan Chase, the successor Bank, argued at trial that acceleration did

not occur until the Complaint in foreclosure was filed on August 31, 2013, because

the filing of the complaint is what triggers the start of the statute of limitation.

Further, the Bank argued, the foreclosure was based on the Mortgage, not the letter

1 As the notice letter was not in the record, both parties stipulated at the 2013 trial
that the notice of acceleration [how the parties characterized the notice] was sent to
appellant on June 18, 2008.


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of default, and the Mortgage contains an optional acceleration clause providing

that the lender may, at its option, choose to accelerate the Note. In other words,

the acceleration did not occur automatically thirty days after the default letter was

sent, but rather when the Bank sought to foreclose by filing its 2013 Complaint.

The trial court entered Final Judgment of Foreclosure against Dhanasar.2

      The question is whether the Bank could proceed with the action for

foreclosure where Dhanasar failed to make her April 2008 payment and any

subsequent payments, where the notice letter was sent to her in July of 2008, and

where the foreclosure complaint was not filed until August of 2013. Because the

Bank’s complaint specifically alleged that Dhanasar had failed to pay the April

2008 payment and all subsequent payments, and the action was filed within five

years of a default payment, we agree with the trial court’s conclusion that the

action survived the asserted statute of limitations bar. We followed this analysis in

Deutsche Bank Trust Co. Americas v. Beauvais, 188 So. 3d 938, 944-45 (Fla. 3d

DCA 2016) (en banc), and it is entirely applicable to the facts at hand.

2 The Appellant raises for the first time on appeal the suggestion that the Bank had
filed a prior complaint in foreclosure that accelerated the Note and caused the five-
year statute of limitations to have expired by the time the Bank filed the 2013
Complaint. Appellant’s trial counsel failed, however, to raise and argue the matter
of the alleged foreclosure complaint to the trial court. It may not be considered for
the first time on appeal and the issue is waived. See Dade County School Bd. v.
Radio Station WQBA, 731 So. 2d 638 (Fla. 1999) (a claim not raised in the trial
court will not be considered on appeal); Dober v. Worrell, 401 So. 2d 1322 (Fla.
1981) (appellate court will not consider issues not presented to the trial judge on
appeal from final judgment on the merits).

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The order under review is therefore affirmed.




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