About the this type of financing, the latest Underwoods including purchased a couple formula regarding credit term life insurance away from First Franklin and Voyager

Decided: August 01, 1997

Debra Underwood appeals off a synopsis view inserted and only Very first Franklin Financial Business (“Very first Franklin”), Voyager Life insurance policies Providers (“Voyager”), and Joe Seals, an employee from Earliest Franklin. This example is moved to which judge by the best judge, pursuant so you can § 12-2-7(6), Ala.Code 1975.

Inside the December 1992 along with April 1993, Debra Underwood and her husband, Jesse Underwood, borrowed money from First Franklin. In the eventuality of a death, the credit insurance create pay North Dakota cash with quick cash entirely your debt owed in order to Basic Franklin.

For the November 1993, new Underwoods registered a volunteer petition for Chapter thirteen bankruptcy shelter, checklist in their petition particular costs, like the a few finance which have Earliest Franklin. Jesse Underwood passed away within the December 1994, because the Underwoods remained from inside the bankruptcy. Brand new bankruptcy plan is actually confirmed into the January eight, 1994.


Towards January 13, 1995, Ms. Underwood submitted a state which have Basic Franklin to your borrowing lifetime insurance proceeds from the two Voyager formula. Into the January twenty-six, 1995, Voyager approved two monitors so you can First Franklin, spending advantages regarding number of $step 1,808, to-be used towards the Ms. Underwood’s fund which have Earliest Financial. Ms. Underwood unearthed that the 2 guidelines had paid off an amount far lower than the amount who does have found her mortgage equilibrium having First Franklin. She telephoned Seals, a buddy who was simply in addition to a member of staff from Basic Franklin, to determine as to the reasons the financing life insurance policies proceeds did not spend in full the lady mortgage obligations that have Earliest Franklin. Seals informed Ms. Underwood one she had been administered all continues she are permitted receive once the she along with her spouse got submitted having bankruptcy proceeding from inside the November 1993. Seals after that threatened to repossess the woman vehicles, due to the fact credit insurance had not completely paid down new financing.

With the February twenty two, 1995, Ms. Underwood filed a software to have an adversity bankruptcy proceeding release, considering their husband’s dying. Her app was offered of the case of bankruptcy judge for the April 17, 1995. The brand new personal bankruptcy trustee try released may twenty two, 1995, plus the Chapter thirteen proceeding was signed.

For the January dos, 1996, Ms. Underwood submitted this task facing Basic Franklin, Voyager, and you may Seals, asserting says alleging fraud, breach out of offer, and you may crappy faith, all concerning the experts paid back because of the Voyager under the girl insurance rates policies. Earliest Franklin, Voyager, and Seals went to have a synopsis judgment, arguing that the “doctrine out of judicial estoppel” blocked Ms. Underwood regarding getting this lady says. Brand new demo legal supplied new motion and you can entered a view when you look at the like of one’s defendants.

A movement to possess summation wisdom tends to be provided if you have zero genuine issue of issue fact plus the moving people is actually entitled to a wisdom due to the fact an issue of laws. Hinkle v. Burgreen Employing Co., 678 Therefore.2d 797 (Ala.Civ.App.1996). Should your moving group can make a prima facie indicating one to no legitimate dilemma of question truth is available and that it are called so you can a wisdom since the a question of rules, the responsibility shifts for the nonmovant commit pass with research carrying out a real issue of topic facts. Id. So you’re able to defeat a properly served summary view action, brand new nonmovant need to introduce large evidence undertaking a genuine issue of procedure truth. Id.

A debtor in the a bankruptcy need certainly to disclose people litigation more than likely to surface in good nonbankruptcy context. Luna v. Rule Lender off Middle Tennessee, Inc., 631 Therefore.2d 917 (Ala.1993). The new doctrine off official estoppel applies to prevent an event from if in case a situation during the a court case inconsistent that have a posture before asserted. Id. Ergo, the newest philosophy suppress a borrower who did not reveal a state inside a bankruptcy proceeding off asserting the fresh claim for the a good nonbankruptcy form.