In More Evidence That Judges Have Had it With Banks, Yves Smith points to Phillips v US Bank, N.a., Sup Ct Carroll Cty Ga.20111102, which (assuming it is real), can only be called a epic dismissal of a complaint.
A Personal Blog
by Michael Froomkin
Laurie Silvers & Mitchell Rubenstein Distinguished Professor of Law
University of Miami School of Law
My Publications | e-mail
All opinions on this blog are those of the author(s) and not their employer(s) unelss otherwise specified.
Who Reads Discourse.net?
Readers describe themselves.
Please join in.Reader Map
Recent Bluessky Posts- Published a blog post about how I got my congressperson to convince SFO to change their illegal mandatory biometrics collection blog.yomna.net/opting-out-o... April 14, 2026 yomna
- I gather it might be several weeks before the Hungarian election is officially certified, and the Parliament can meet to elect a new Prime Minister. Plenty of time for mischief if the outgoing crew is so minded. April 13, 2026 Michael Froomkin
- Jotwell TechLaw: Tal Zarsky, Hailing a Fleeting Moment – On Regulating Autonomous Taxi Fleets, JOTWELL (Apr 13, 2026) (re: Bryant Walker Smith & Matthew T. Wansley, Regulating Robotaxis, 99 So. Cal. L. Rev. __(forthcoming 2026), available at SSRN (Oct. 12, 2025)), cyber.jotwell.com/hailing-a-fl.... April 13, 2026 Jotwell
- I am very proud and excited to share that a special issue of the Canadian Journal of Law and Technology featuring We Robot 2025 conference papers is now published and fully open access, with thanks to funding support from @windsorlaw.bsky.social: digitalcommons.schulichlaw.dal.ca/cjlt/vol23/i... April 13, 2026 Kristen Thomasen
- That was a good estimate. April 13, 2026 Michael Froomkin
Recent Comments
- KK Ho on Introduction
- Michael on Robot Law II is Now Available! (In Hardback)
- Mulalira Faisal Umar on Robot Law II is Now Available! (In Hardback)
- Michael on Vince Lago Campaign Has No Shame
- Just me on Vince Lago Campaign Has No Shame
Subscribe to Blog via Email
Join 51 other subscribers
I was struck by the complete lack of legal citations in the order. That makes me skeptical that the order is real.
The lack of legal citation in an order is nothing new in state court practice. What stuck me as unusual is that the Judge would have written an order at all. If state court practice in Georgia is anything like it is here, the motion would have been heard in open court, the judge would have issued a verbal tongue lashing, the parties would have walked outside and hand-written a vanilla order with no findings of fact or legal citation, and the judge would have signed it without reading it.
As for a bank denying modification, I have handled a hand full of foreclosure cases on the defense side, and have spoken to lawyers who handle dozens (if not hundreds) of these cases. The consensus seems to be that there are two standard answers when the defendant asks for a modification: 1) “No because you make too much money and never should have fallen behind,” and 2) “No because you don’t make enough money and you can’t afford any reasonable modification.”