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Chambers v. Clayton Bank & Trust Co.

Court of Appeals of Mississippi

December 3, 2013

BRUCE CHAMBERS, APPELLANT
v.
CLAYTON BANK & TRUST CO., APPELLEE

DATE OF JUDGMENT: 12/06/2012.

LEAKE COUNTY CIRCUIT COURT, HON. VERNON R. COTTEN, TRIAL JUDGE.

FOR APPELLANT: BRUCE CHAMBERS (Pro se).

FOR APPELLEE: JEFFREY D. RAWLINGS, JON J. MIMS.

BEFORE GRIFFIS, P.J., ISHEE AND CARLTON, JJ. LEE, C.J., GRIFFIS, P.J., ROBERTS, CARLTON, MAXWELL AND FAIR, JJ., CONCUR. IRVING, P.J., AND BARNES, J., CONCUR IN PART AND IN THE RESULT WITHOUT SEPARATE WRITTEN OPINION. JAMES, J., NOT PARTICIPATING.

OPINION

Page 1231

ISHEE, J.

¶1. In November 2011, Bruce Chambers purchased a mobile home from a mobile-home-sales company in Carthage, Mississippi. After making a down payment, Chambers executed a retail-installment and security agreement (the agreement) with Clayton Bank & Trust Company for the remainder of the home's purchase price, using the home as collateral. In October 2012, Clayton filed a complaint in the Leake County Circuit Court stating that Chambers was in default of his payments under the agreement, and sought replevin in the form of the home. Chambers answered the complaint and filed a motion to dismiss. The motion was denied, and Clayton's request for replevin was granted. The circuit court gave Chambers fourteen days to post a bond for a stay of execution. Chambers failed to do so, and the home was returned to Clayton. Chambers filed the instant appeal. He raised the same issues he filed in his appeal in a complaint filed in the United States District Court for the Southern District of Mississippi. The district court denied Chambers's requests for relief and ordered that he submit his claims to arbitration. Chambers appeals on claims that the circuit court erred by granting replevin and by failing to consider federal laws and regulations he claims are applicable to Clayton. Because the issues raised are now moot, we dismiss this appeal.

STATEMENT OF FACTS AND PROCEDURAL HISTORY

¶2. On November 5, 2011, Chambers purchased the mobile home in Carthage. Chambers made a down payment of $7,500 and paid for the remainder of the home through the agreement with Clayton. The terms of the agreement dictated that Chambers would make monthly installment payments to Clayton. The agreement also stated that if Chambers failed to make the requisite payments, Clayton would take possession of the home by means of replevin.

¶3. In October 2012, Clayton filed a complaint in the circuit court asserting that Chambers was in default under the agreement and seeking replevin. Therein, Clayton requested that the circuit court grant it the right to take possession of the home and order Chambers to pay the remainder of the loan amount after the home was disposed. Chambers answered the complaint and filed a motion to dismiss.

¶4. The circuit court denied the motion to dismiss and granted Clayton's request for replevin. In its final judgment issued in December 2012, the circuit court ordered that the home be seized immediately and delivered to Clayton. Chambers petitioned the circuit court for a new hearing. The motion was denied. However, the circuit court granted Chambers a stay of execution if he posted a $51,000 bond within

Page 1232

fourteen days of the order. Chambers failed to post the bond, and, subsequently, the home ...


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