                               FIFTH DIVISION
                              MCFADDEN, P. J.,
                           BRANCH and BETHEL, JJ.

                   NOTICE: Motions for reconsideration must be
                   physically received in our clerk’s office within ten
                   days of the date of decision to be deemed timely filed.
                               http://www.gaappeals.us/rules


                                                                     June 20, 2017




In the Court of Appeals of Georgia
 A17A0509. MONTIA v. FIRST-CITIZENS BANK & TRUST
     COMPANY et al.

      MCFADDEN, Presiding Judge.

      In this quiet title action, petitioner Muriel Montia appeals from two orders: the

trial court’s grant of a motion to dismiss for failure to state a claim filed by

respondents Ocwen Loan Servicing, LLC (“Ocwen”) and HSBC Bank USA National

Association as Trustee for Ace Securities Corp. Home Equity Loan Trust Series

2003-OP1 (“HSBC”), and the trial court’s grant of a motion for judgment on the

pleadings and for summary judgment filed by respondent First-Citizens Bank & Trust

Company (“First-Citizens”). In several enumerations, Montia argues that the trial

court erred in granting these motions rather than submitting the case to a special

master. We find, however, that the trial court was authorized to dismiss the petition
for failure to state a claim and to grant judgment on the pleadings without submitting

the case to a special master, so we affirm. Given this disposition, the issue of

summary judgment is moot. White v. Lumpkin, 272 Ga. 398 (529 SE2d 879) (2000).

      This action involves real property acquired by Montia in 2003. The property

is subject to two recorded deeds to secure debt. One deed to secure debt is in favor

of an entity that later assigned the deed to HSBC. HSBC used Ocwen, a loan

servicing company, to try to collect that debt from Montia. The second deed to secure

debt is in favor of an entity that later went into receivership; its receiver subsequently

assigned the deed to Capitol City Bank & Trust, a division of and assumed name used

by First-Citizens.

      Montia filed a petition to quiet title against all the world under OCGA §§ 23-3-

60 et seq. of Georgia’s Quiet Title Act. She alleged in her petition that First-Citizens,

Ocwen, and HSBC had claims adverse to her interest in the property that were

without legal basis and constituted clouds on her title. She also asked that the case be

submitted to a special master pursuant to OCGA § 23-3-63.

      Montia herself arranged for service of process upon the respondents, although

generally the Quiet Title Act requires that service be made by a special master.

OCGA § 23-3-65 (b); Woodruff v. Morgan County, 284 Ga. 651, 651-652 (1) (670

                                            2
SE2d 415) (2008). Because “a special master was never appointed such that service

could be properly completed pursuant to the Quiet Title Act[,] the [respondents] were

not required to answer [Montia’s petition.]” Woodruff, 284 Ga. at 652 (1).

Nevertheless, Ocwen, HSBC, and First-Citizens answered the petition and filed their

motions. Ocwen and HSBC filed a joint motion to dismiss the petition for failure to

state a claim. First-Citizens filed a motion for judgment on the pleadings, basing that

request on the petition, the answer, and the documents attached to those pleadings.

(In its motion, First-Citizens also sought summary judgment based on evidence

outside the pleadings.) The trial court granted the motions without submitting the case

to a special master.

      The motion to dismiss and the motion for judgment on the pleadings presented

the trial court with the same question: would Montia be entitled to relief under any

state of facts that she could prove in support of her claim? Where, as here,

      the party moving for judgment on the pleadings does not introduce
      affidavits,[1] depositions, or interrogatories in support of his motion,
      such motion is the equivalent of a motion to dismiss the complaint for
      failure to state a claim upon which relief can be granted. The motion to

      1
         First-Citizen did introduce an affidavit to support its request for summary
judgment. Its motion and brief make clear, however, that First-Citizen did not rely on
the affidavit to support its request for judgment on the pleadings.

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      dismiss should not be granted unless the averments in the complaint
      disclose with certainty that the plaintiff would not be entitled to relief
      under any state of facts which could be proved in support of his [or her]
      claim.


Cox v. Turner, 268 Ga. App. 305 (1) (601 SE2d 728) (2004) (citation omitted). When

ruling on a motion to dismiss for failure to state a claim or a motion for judgment on

the pleadings, a trial court may consider exhibits attached to and incorporated into the

complaint and answer. See OCGA § 9-11-10 (c); Trop, Inc. v. City of Brookhaven,

296 Ga. 85, 89 (2) (764 SE2d 398) (2014); Shelnutt v. Mayor and Aldermen of the

City of Savannah, 333 Ga. App. 446 (776 SE2d 650) (2015). We review the trial

court’s rulings on these motions de novo. Southwest Health & Wellness, LLC v. Work,

282 Ga. App. 619, 623 (2) (639 SE2d 570) (2006).

      OCGA § 23-3-62 sets forth the statutory requirements of a petition to quiet title

against all the world under OCGA §§ 23-3-60 et seq. A petition that, on its face,

appears to be in noncompliance with OCGA § 23-3-62 is subject to dismissal

because, “[i]n that case, no evidence which might be introduced within the framework

of the [petition] could sustain a grant of relief.” GHG, Inc. v. Bryan, 275 Ga. App.

336 (1) (566 SE2d 662) (2002) (citation and punctuation omitted). A petition must

contain, among other things, a “specification of the petitioner’s interest in the land[.]”

                                            4
OCGA § 23-3-6s (b). The petitioner “must assert that [s]he holds some current record

title or current prescriptive title, in order to maintain h[er] suit.” Smith v. Georgia

Kaolin Co., 269 Ga. 475, 477 (2) (498 SE2d 266) (1998) (citation, punctuation, and

emphasis omitted). The “plaintiff’s right to recovery or relief depends upon the

strength of h[er] own title to the realty involved, not the weakness of h[er] opponents’

evidence.” Id. (citation and punctuation omitted).

      Documents referenced in and attached to the petition and answers in this case

show that Montia was the grantor of two deeds to secure debt on the property. In her

petition, Montia asserted that she held title to the property by virtue of a recorded

warranty deed that she attached to her petition. But she also acknowledged the

existence of the recorded security deed in favor of Option One and attached to her

petition a copy of the assignment of that deed to HSBC; and HSBC attached a copy

of that security deed to its answer. And although, in her petition, Montia did not

mention the recorded security deed that later was assigned to First-Citizens, she

acknowledged and attached to her petition a copy of that assignment, and First-

Citizens attached a copy of that security deed to its answer.




                                           5
      A grantor of a deed to secure debt who has not paid the debt has no legal title

to the property at issue. See McCarter v. Bankers Trust Co., 247 Ga. App. 129, 132

(2) (543 SE2d 755) (2000).

      A deed to secure debt passes legal title to the lender when the deed to
      secure debt is created, and the owner has a mere equity of redemption
      and right of possession of the realty until the secured debt has been
      satisfied in full. . . . [A]s a matter of law, title does not pass back to the
      grantor in the absence of full payment of the debt.


Patel v. J. P. Morgan Chase Bank, N. A., 327 Ga. App. 321, 323 (1) (757 SE2d 460)

(2014) (citations omitted). A person whose property is subject to a deed to secure

debt cannot prevail in a quiet title action unless she has satisfied the debt. See Taylor,

Bean & Whitaker Mtg. Corp. v. Brown, 276 Ga. 848, 850 (2) (583 SE2d 844) (2003).

      Consequently, the documents attached to the complaint and answer reflect that

Montia did not have legal title to the property. And Montia did not assert in her

petition that she had satisfied the debts on her property memorialized by the deeds to

secure debt. Instead, she merely and summarily asserted that she had legal title to the

property and the respondents did not. Her statements to this effect were not well-

pleaded facts but legal conclusions. “The trial court was not required to accept

[Montia’s] legal conclusions in consideration of the motion for judgment on the

                                            6
pleadings [and the motion to dismiss] where there were no specifically pled facts to

support the conclusions.” Novare Group v. Sarif, 290 Ga. 186, 191 (4) (718 SE2d

304) (2011). Because Montia’s petition did not comply with the requirements of

OCGA § 23-3-62, she failed to state a claim for quiet title for which relief can be

granted. See GHG, Inc., supra, 275 Ga. at 336 (1). See also Bank of America, N. A.

v. Johnson, 299 Ga. 861, 864 (2) (792 SE2d 704) (2016) (holding trial court properly

granted motion to dismiss petition for quiet title where petitioner never alleged that

security deed on property had been relinquished back to him or otherwise cancelled,

and he admitted he had not satisfied the debt). For this reason, the trial court was

authorized to grant the motion to dismiss and the motion for judgment on the

pleadings.

       Given this determination, we are not persuaded by Montia’s argument that the

trial court should have submitted the case to a special master. See generally OCGA

§ 23-3-63 (“The court, upon receipt of the petition together with the plat and

instruments filed therewith, shall submit the same to a special master[.]”). In quiet

title actions against all the world, a special master “shall have complete jurisdiction

within the scope of the pleadings to ascertain and determine the validity, nature, or

extent of petitioner’s title and all other interests in the land, or any part thereof, which

                                             7
may be adverse to the title claimed by the petitioner[.]” OCGA § 23-3-66. “[B]ut

there is no authority divesting the trial court’s overall jurisdiction of the case.”

Harbuck v. Houston County, 284 Ga. 4, 5 (1) (662 SE2d 107) (2008) (citations

omitted). And, in a case that was not submitted to a special master, our Supreme

Court nevertheless held that it was proper for the trial court to dismiss a quiet title

petition for failing to state a claim. See Bank of America, N. A., supra, 299 Ga. at 864

(2), reversing Johnson v. Bank of America, N. A., 333 Ga. App. 539, 543 (3) (773

SE2d 810) (2015) (indicating that case had not been submitted to a special master).

      Judgment affirmed. Branch and Bethel, JJ., concur.




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