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Banner Life Insurance Co. v. Grooms

United States District Court, D. South Carolina, Charleston Division

July 6, 2015

Banner Life Insurance Company, Plaintiff
Larry Robert Grooms, Individually and as Guardian of BG, a minor child under the age of fourteen (14), Robert Johnson, Jr., and BG, a minor child under the age of fourteen (14) Defendants.


MARY GORDON BAKER, Magistrate Judge.


This matter is before the court on the motions of Defendants BG ("BG) and Robert Johnson, Jr. ("Mr. Johnson") for judgment on the pleadings (pursuant to F.R.Civ. P. 12(c)) and default judgment (pursuant to F.R.Civ.P. 55(b)(2)) against Defendant Larry Robert Grooms ("Mr. Grooms"). Dkt. Nos. 61-62, 70. The motions are both based on the ground that Mr. Grooms failed to plead or otherwise defend the crossclaims of Defendants BG and Johnson. Dkt. Nos. 61, 62, 70.

Pursuant to the provisions of Title 28, United States Code, Section 636(b)(1) and Local Rule 73.02(B)(2)(e), D.S.C., all pretrial matters involving pro se litigants are referred to a United States Magistrate Judge for consideration.

On October 18, 2013, the plaintiff, Banner Life Insurance Company ("Banner Life"), filed an interpleader action seeking to deposit funds from a particular life insurance policy ("the Policy") in the name of Tabetha Grooms ("Mrs. Grooms") because the primary and contingent beneficiaries of the policy submitted competing claims. Dkt. No. 1. Mrs. Grooms was the named insured on a $100, 000 life insurance policy issued by Banner Life. Her husband, Mr. Grooms, was named the primary beneficiary. Her adult son, Mr. Johnson, and BG, her minor daughter, were the contingent fifty percent (50 %) beneficiaries. Id . Mrs. Grooms died on May 9, 2013, in Charleston, South Carolina. Id . The Dorchester County Sheriff's Office conducted an investigation into the circumstances of Mrs. Grooms' death and considered Mr. Grooms a person of interest. Id.

On or about May 20, 2013, Detective Carson with the Dorchester County Sheriff's Office notified Banner Life that the investigation was substantially completed and that the manner of death would be ruled accidental or undetermined. Dkt. No. 1, Ex. 3. The first death certificate listed the manner of death as an accident and the cause of death as encephalopathy due to blunt force injury to the head due to a fall. Dkt. No.1, Ex. 2.

On or about May 22, 2013, Mr. Johnson wrote Banner Life contesting Mr. Grooms as primary beneficiary due to the nature of Mrs. Grooms' death and requesting that the benefit not be paid. Dkt. No.1, Ex. 4. Mr. Johnson attempted to reach an agreement with Mr. Grooms to divide the proceeds from the Policy so that Banner Life would not be forced to file the interpleader action. Dkt. No. 1, Ex. 5, 6. The attempt was not successful and Banner Life filed this action. Dkt. No.1.

Both Mr. Grooms and Mr. Johnson filed timely answers to the complaint pro se. Dkt. Nos.10, 19, 20.[1] On January 7, 2014, at a hearing with counsel for Banner Life, Mr. Grooms and Mr. Johnson present, the District Court ordered interpleader without objection. Dkt. No. 21. On January 7, 2014, the District Court ordered Banner Life to deposit the remaining proceeds of the policy (less funeral expenses and attorney fees) with the clerk of court, and dismissed Banner Life from the case. Dkt. No. 26. The action was continued among the Defendants and all pretrial matters were referred to United States Magistrate Judge Hendricks by order dated January 31, 2014. Dkt. Nos. 26, 27.

On February 27, 2014, Magistrate Judge Hendricks ordered the pro se Defendants to notify the Clerk of Court in writing of any address changes and to answer the Rule 26.01 Interrogatories. Dkt. No. 34. Magistrate Judge Hendricks also appointed an attorney to represent BG, the minor contingent beneficiary. Id . This order was mailed to the pro se Defendants' last known addresses. Dkt. No. 35. From that time until a hearing before the undersigned Magistrate Judge on June 3, 2015, Mr. Grooms has not been in contact with the court or any of the parties and has not filed any documents with the clerk of court.

During Mr. Grooms' absence from these proceedings, counsel for BG filed an answer and crossclaim for a declaratory judgment against Mr. Grooms and Mr. Johnson. Dkt. No. 50. In the crossclaim, BG asserted that although the original death certificate for Mrs. Grooms indicated that her death was accidental, an amended death certificate issued May 30, 2014 indicated that the cause of her death was pending investigation.[2] Id at p. 5. BG claimed that, upon information and belief, Mr. Grooms feloniously and intentionally killed Mrs. Grooms and that Mr. Grooms is not entitled to any benefit under the Policy under S.C. Code Section 62-2-803(c). Id at p. 5. BG requested an order declaring that BG is fifty percent (50%) beneficiary of the remaining amount of the Policy.[3] Mr. Johnson filed a letter in response to BG's crossclaim basically joining with the crossclaim by requesting an order declaring himself and BG as the beneficiaries of the Policy. Dkt. No. 56.

On September 18, 2014, BG filed a request for entry of default as to BG's crossclaims against Mr. Grooms as well as motions for default judgment and judgment on the pleadings as to BG's crossclaims against Mr. Grooms. Dkt. No. 60-63. Mr. Johnson joined in those motions on October 15, 2014. Dkt. No. 70.[4] The Clerk of Court filed the Entry of Default on September 18, 2014. Dkt. No. 64.

On May 14, 2015, counsel for BG filed a letter to Mr. Grooms addressed to two addresses: one to the address in the court's Electronic Filing System ("ECF") and one to a different address. This letter informed Mr. Grooms that it had come to counsel's attention that Mr. Grooms may have a new mailing address and enclosed all BG's previously filed documents with the court which had been mailed to the original address in ECF. Dkt. No. 77. Upon receipt of this possible new address, on May 20, 2015, the undersigned Magistrate Judge issued a Roseboro v. Garrison order and a notice of hearing for a status conference set for June 3, 2015. The order and notice of hearing were mailed to the original address and the possible new address for Mr. Grooms and included the Clerk of Court's change of address form. Dkt. Nos. 78-81. Evidently, Mr. Grooms received the court's order and notice of hearing because on May 22, 2015, Mr. Grooms filed a notice of change of address and the address was updated in ECF. Dkt. No. 82.

The undersigned held a status conference on June 3, 2015. All parties were present: counsel for BG and Mr. Grooms appeared in person, and Mr. Johnson was allowed to participate by telephone. Dkt. No. 87. Mr. Grooms informed the court that he moved residences after the hearing with the District Court on January 7, 2014, and before Judge Hendricks issued the order of February 27, 2014 directing him to notify the office of the Clerk of Court of any address changes. Mr. Grooms was ordered to respond to the motions for default and judgment on the pleadings, and he did. Dkt. Nos. 87, 92. This court ...

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