GREGORY NIPPER
v.
SUNCOAST CREDIT UNION, ET AL

Fla. 2d DCA | 2019-04-26
No. 18-2758
Lucas, J., Villanti, J., Rothstein-Youakim, J., Duryea, Jr., J.
269 So. 3d 647 Florida District Court of Appeal, Second District (2019)

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Holding

A plaintiff moving for summary judgment in a collection case must conclusively refute the factual bases of asserted affirmative defenses or establish that they are legally insufficient.


Headnotes

[1] A party moving for summary judgment must conclusively refute the factual bases of any affirmative defenses asserted by the nonmoving party or establish that such defenses…

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Key Quotes

“a plaintiff moving for summary judgment 'must conclusively refute the factual bases' for any asserted affirmative defenses 'or establish that they are legally insufficient'”

Court stating the standard a moving party must meet to obtain summary judgment against affirmative defenses

Facts & Procedural History

Gregory Nipper was sued by Suncoast Credit Union for credit card debt. Nipper asserted affirmative defenses that some charges were unauthorized and th…

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Opinion of the Court
Youakim

NOT FINAL UNTIL TIME EXPIRES TO FILE REHEARING

MOTION AND, IF FILED, DETERMINED

IN THE DISTRICT COURT OF APPEAL

OF FLORIDA

SECOND DISTRICT

GREGORY NIPPER, ) ) Appellant, ) ) v. ) Case No. 2D18-2758 ) SUNCOAST CREDIT UNION, ) ) Appellee. ) ) Opinion filed April 26, 2019. Appeal from the Circuit Court for Lee County; John E. Duryea, Jr., Judge. Adam Stevens of Powell of Jackman, Stevens & Ricciardi, P.A., Fort Myers, for Appellant. Theodore J. Hamilton of Wetherington Hamilton, P.A., Tampa, for Appellee. LUCAS, Judge. Gregory Nipper appeals a summary judgment entered against him in a credit card collection case brought by Suncoast Credit Union (Suncoast). He argues that Suncoast was not entitled to summary judgment because it proffered no evidence or argument to refute his affirmative defenses that some of the charges to his credit

card account were not authorized and that Suncoast failed to mitigate its damages. From our de novo review, we must conclude that Mr. Nipper's view of the record is correct. See ALS Maxim I LLC v. Katsenko, 218 So. 3d 472, 473 (Fla. 2d DCA 2017) (noting that an appellate court reviews a trial court's entry of summary judgment de novo and that "[s]ummary judgment is appropriate 'only if there is no genuine issue of material fact and if the moving party is entitled to judgment as a matter of law' " (quoting Reed v. Schutz Litig. LLC, 117 So. 3d 486, 488 (Fla. 2d DCA 2013))). In order "to establish irrefutably that the nonmoving party cannot prevail were a trial to be held," id. (quoting Land Dev. Servs., Inc. v. Gulf View Townhomes, LLC, 75 So. 3d 865, 868 (Fla. 2d DCA 2011)), we have repeatedly said that a plaintiff moving for summary judgment "must conclusively refute the factual bases" for any asserted affirmative defenses "or establish that they are legally insufficient," Lucey v. 1010 Logic, Inc., 208 So. 3d 1236, 1238 (Fla. 2d DCA 2017) (emphasis omitted) (quoting Coral Wood Page, Inc. v. GRE Coral Wood, LP, 71 So. 3d 251, 253 (Fla. 2d DCA 2011)); see also Morroni v. Household Fin. Corp. III, 903 So. 2d 311, 312 (Fla. 2d DCA 2005); Balun v. Tucci, 549 So. 2d 257, 257-58 (Fla. 2d DCA 1989). Because Suncoast did not meet that burden here, we are compelled to reverse the circuit court's entry of summary judgment in Suncoast's favor and remand this case for further proceedings. Reversed and remanded. VILLANTI and ROTHSTEIN-YOUAKIM, JJ., Concur.


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