Retail installment contract. Glynn State Court. Before Judge Altman.
James A. Yancey, Jr., for appellant.
MacDowell & Associates, Alexander J. Zubrowski, for appellee.
MCFADDEN, Judge. Ellington, P. J., and Dillard, J., concur.
John T. Parrish appeals the grant of summary judgment to Chrysler Financial Services Americas, LLC, in its suit for a deficiency judgment. Because the record is devoid of evidence that Chrysler satisfied all of the statutory notice provisions of OCGA § 10-1-36 (a), which are required for Chrysler to recover a deficiency judgment against Parrish, we reverse.
To prevail on a motion for summary judgment, the moving party must demonstrate that there is no genuine issue of material fact and that the undisputed facts, viewed in a light most favorable to the party opposing the motion, warrant judgment as a matter of law. OCGA § 9-11-56 (c); Lau's Corp. v. Haskins, 261 Ga. 491 (405 S.E.2d 474) (1991). This court applies a de novo review to a grant of summary judgment, viewing the evidence and all reasonable inferences therefrom in the light most favorable to the nonmovant. Versey v. Citizens Trust Bank, 306 Ga.App. 479-480 (702 S.E.2d 479) (2010).
So viewed, the evidence showed that Chrysler repossessed a vehicle as the result of Parrish's alleged default on a retail installment contract with Chrysler's predecessor-in-interest. (Parrish denied that he was in default.) Chrysler subsequently sent Parrish by certified mail a notice of its intention to pursue a deficiency claim. Chrysler sold the vehicle at auction for less than the balance due on Parrish's account, leaving a deficiency. Chrysler brought this action to recover that deficiency.
Parrish correctly argues that nothing in this evidence establishes the date on which Chrysler repossessed his vehicle. The only reference in the record to the date of repossession
occurs, without citation to evidence, in Chrysler's portion of a consolidated pre-trial order.
The specific date of repossession is critical to determining whether Chrysler met the statutory notice requirements for obtaining a deficiency judgment following repossession. OCGA § 10-1-36 (a) provides in pertinent part:
When any motor vehicle has been repossessed after default ..., the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the [332 Ga.App. 684] buyer a notice of the seller's or holder's intention to pursue a deficiency claim against the buyer.
(Emphasis supplied.) Without establishing the date of repossession, Chrysler cannot show that it ...