IN THE DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA
                              FIFTH DISTRICT

                                                  NOT FINAL UNTIL TIME EXPIRES TO
                                                  FILE MOTION FOR REHEARING AND
                                                  DISPOSITION THEREOF IF FILED


DEUTSCHE BANK NATIONAL TRUST
COMPANY, AS TRUSTEE FOR MORGAN
STANLEY ABS CAPITAL 1, INC. TRUST
2006-HE3,

              Appellant,

v.                                                       Case No. 5D17-1811

MARY E. FORESTER,

              Appellee.

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Opinion filed July 20, 2018

Appeal from the Circuit Court
for Volusia County,
Sandra J. Upchurch, Judge.

J. Kirby McDonough, S. Douglas Knox, and
Michael J. Labee, of Quarles & Brady LLP,
Tampa, for Appellant.

Sebrina L. Slack, of Landis Graham French,
PA, Deland, for Appellee.


PER CURIAM.

       Appellant, Deutsche Bank National Trust Company, as Trustee for Morgan Stanley

ABS Capital 1, Inc. Trust 2006-HE3 (“Appellant”), appeals from a summary final judgment

entered in favor of Appellee, Mary E. Forester (“Appellee”), in the third foreclosure action

between these parties on the same note and mortgage. The trial court concluded that
Appellant’s instant suit was barred by res judicata and the statute of limitations because

the two prior suits were involuntarily dismissed with prejudice, which constituted

adjudications on the merits, and “because the time has expired as to any date of default

with the exception of subsequent defaults which are not appropriate in this case.”

       Appellant argues that the trial court erred in entering summary judgment in both

respects, because the complaint alleged new and subsequent defaults in the instant

foreclosure suit that occurred after the dismissal of the prior actions. Appellant also

asserts that its action is not barred by the statute of limitations because it filed the

complaint within five years of the alleged defaults. We agree with Appellant on both points

and write only to address its res judicata argument.

       “While it is true that a foreclosure action and an acceleration of the balance due

based upon the same default may bar a subsequent action on that default, an acceleration

and foreclosure predicated upon subsequent and different defaults present a separate

and distinct issue.” Singleton v. Greymar Assocs., 

, 1007 (Fla. 2004)

(citations omitted). “[E]ach subsequent default accruing after the dismissal of an earlier

foreclosure action creates a new cause of action.” Bartram v. U.S. Bank Nat’l Ass'n, 

, 1020 (Fla. 2016).

       While Appellant has alleged some defaults in its most recent complaint that were

dismissed in its prior actions, it also alleged new and different defaults that occurred after

the two prior dismissals. As such, the trial court erred when it applied the doctrine of res

judicata to these subsequent defaults. We therefore reverse the entry of summary

judgment and remand for further proceedings.

       REVERSED and REMANDED.




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EVANDER and EISNAUGLE, JJ., and BASS, J., Associate Judge, concur.




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