DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA
                              FOURTH DISTRICT

                             TRILOK DESAI,
                               Appellant,

                                     v.

       BANK OF NEW YORK MELLON TRUST COMPANY, ETC.,
                         Appellee.

                              No. 4D17-0890

                              [March 7, 2018]

  Appeal from the Circuit Court for the Fifteenth Judicial Circuit, Palm
Beach County; Roger B. Colton, Senior Judge; L.T. Case No.
2015CA006838XXXXMB.

  Enrique Nieves III of King, Nieves & Zacks, PLLC, West Palm Beach, for
appellant.

   Sarah T. Weitz of Weitz & Schwartz, P.A., Fort Lauderdale, for appellee.

KLINGENSMITH, J.

    Bank of New York Mellon Trust Company (“BNY”) filed a foreclosure
action against appellant Trilok Desai after he defaulted on his mortgage
payments. Although its first suit was involuntarily dismissed, BNY filed a
second one against Desai, and obtained a final judgment of foreclosure.
Desai states that this second action was barred by the statute of
limitations since it was based on defaults occurring before the dismissal
of the prior foreclosure lawsuit. He also asserts that Florida law prohibited
BNY from seeking any interest on the loan that accrued while the first
foreclosure case was pending. We disagree on both issues, and affirm.

    The facts in this case are undisputed. In December 2009, BNY filed its
initial foreclosure action and alleged, “There has been a default in the
payment of the amounts due under the Note and Mortgage in that the
payment due for March 1, 2009, and all subsequent payments have not
been made.” That suit was dismissed with prejudice in September 2013.

   In June 2015, BNY filed the foreclosure action now on appeal, and
included in its complaint the claim that “[Desai] has defaulted under the
Note and Mortgage by failing to pay the August 01 [sic], 2010 payment,
and all subsequent payments due thereafter.”

   At trial, Desai moved for involuntary dismissal on the grounds that
Bartram v. U.S. Bank, N.A., 

, 1019 (Fla. 2016), required
that if a second foreclosure action is filed, then it must be based on a new
default date accruing on a date after the dismissal of the prior action.
Desai also claimed that Bartram prohibited BNY from seeking any interest
on the loan that accrued while the first foreclosure action was pending.

   BNY responded that it properly re-accelerated the debt and initiated a
timely action when it filed its second complaint based on Desai’s
undisputed August 1, 2010 default, countering that Bartram did not
require a subsequent action to be based on a default occurring after the
dismissal of a prior suit, and did not preclude a mortgagee from recovering
amounts that became due while the prior action was pending. The trial
court entered final judgment in favor of BNY, and Desai appealed.

    “‘A legal issue surrounding a statute of limitations question is an issue
of law subject to de novo review.’” Med. Data Sys., Inc. v. Coastal Ins. Grp.,
Inc., 

, 396 (Fla. 4th DCA 2014) (quoting Fox v. Madsen, 

, 1262 (Fla. 4th DCA 2009)).

    Based on the allegations of the second complaint, the filing of the
second action in June 2015 was timely. That complaint was limited in
scope to defaults starting in August 2010, and not from the date of the
initial default in March 2009. BNY pleaded and proved that Desai was in
an ongoing state of default from August 2010 to the filing the second
complaint. Thus, having limited its recovery only to those defaults
occurring within five years of the second lawsuit, BNY’s action was not
barred by the statute of limitations. See § 95.11(2)(c), Fla. Stat. (2015); §
95.031, Fla. Stat. (2015); Depicciotto v. Nationstar Mortg. LLC, 

, 391 (Fla. 4th DCA 2017) (“Nationstar’s foreclosure action was not
barred by the statute of limitations where it alleged and proved separate
and continuing defaults that fell within the five years preceding the filing
of this suit.”); Desylvester v. Bank of N.Y. Mellon, 

, 1020
(Fla. 2d DCA 2017) (holding the same); Evergrene Partners, Inc. v. Citibank,
N.A., 

, 956 (Fla. 4th DCA 2014) (holding the same).

    Desai also suggests that the court’s involuntary dismissal of BNY’s
initial foreclosure action with prejudice precluded the trial court from
awarding any amounts that were in default while the initial foreclosure
action was pending. We find this argument to be without merit.


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    The court in Bartram held that dismissal of a foreclosure action
accelerating payment based on a default does not bar the filing of a
subsequent foreclosure 

. A mortgagee has “the
right to file a subsequent foreclosure action—and to seek acceleration of
all sums due under the note—so long as the foreclosure action was based
on a subsequent default, and the statute of limitations had not run on that
particular default.” 

   Likewise, the doctrines of res judicata and collateral estoppel did not
prevent BNY from filing a second foreclosure complaint and relitigating
those issues despite the involuntary dismissal with prejudice of its prior
action where the case was not decided on the merits. See Singleton v.
Greymar Assocs., 

, 1007–08 (Fla. 2004) (concluding that
“the doctrine of res judicata does not necessarily bar successive
foreclosure suits,” and explaining that while “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”); Aronowitz v. Home Diagnostics, Inc., 

,
1066 (Fla. 4th DCA 2015) (stating that for collateral estoppel to apply, the
specific issue must have been actually litigated and decided in a prior suit).

   BNY’s second complaint alleged, and it was not contested, that Desai
was in a continuing state of default. Therefore, the note and mortgage
remained enforceable by a foreclosure based on any default occurring
within the statute of limitations. See 

;

; Kebreau v. Bayview Loan Serv., LLC,

, 256 (Fla. 4th DCA 2017) (holding that a suit may proceed
where alleged defaults fell within the five-year limitations period). Cf.
Collazo v. HSBC Bank USA, N.A., 

, 1013 (Fla. 3d DCA
2016) (reversing foreclosure judgment where plaintiff asserted the same
payment default date and basis for acceleration in a prior and subsequent
complaint, a date over five years preceding the commencement of the latter
case); Hicks v. Wells Fargo Bank, N.A., 

, 959 (Fla. 5th DCA
2015) (ruling the trial court erred by failing to dismiss a foreclosure action
where counsel stipulated to a default date outside of the statute of
limitations).

   Other cases arising in our sister courts have held similarly. In Wells
Fargo Bank, NA v. BH-NV Invs. 1, LLC, 

, 61 (Fla. 3d DCA
2017), a trustee filed a foreclosure action in June 2009 based on a
borrower’s default in December 2008 and on all subsequent payments. In
April 2011, the trial court dismissed that foreclosure action. 

four years later in July 2015, the trustee filed a second foreclosure

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action based on the borrower’s default in August 2010 and all subsequent
missed payments during the pendency of the prior suit. 

District reversed the trial court’s summary judgment in favor of the
borrower, and held that, based on Bartram, the lender could properly file
its later suit. 

see also Bollettieri Resort Villas Condo. Ass'n, Inc.
v. Bank of N.Y. Mellon, 

, 1142 (Fla. 2d DCA 2016) (holding
that a complaint alleging a continuing state of default “was sufficient to
establish that foreclosure could be based on any of the missed payments
since the initial breach”), rev. dismissed, 

(Fla. 2017).

   We affirm the trial court’s final judgment of foreclosure.

   Affirmed.

CIKLIN and LEVINE, JJ., concur.

                             *         *         *

   Not final until disposition of timely filed motion for rehearing.




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