Met Life v. Clark

Termont Superior Court
Filed 10/27/25
Washington = nit

VERMONT SUPERIOR COURT CIVIL DIVISION
Washington Unit Case No. 25-CV-03353
65 State Street
Montpelier VT 05602
802-828-2091
www.vermontjudiciary.org

Metropolitan Life Insurance Company v. David Clark

ENTRY REGARDING MOTION
Title: Motion for Default Judgment; Motion for Attorney's Fees; Motion for Foreclosure;
Motion for Clerk's Accounting ; & Costs; by Sale; (Motion: 1; 2; 3; 4)
Filer: Joseph C. Galanes; Joseph C. Galanes; Joseph C. Galanes; Joseph C. Galanes
Filed Date: October 22, 2025; October 22, 2025; October 22, 2025; October 22, 2025

The motion is GRANTED.

The present foreclosure action was filed on August 6, 2025. Defendant David Clark was

timely served on August 21, 2025. To date, Defendant has not entered an answer, notice of
appearance, or any filing that seeks to assert her available defenses or interests in the present
action.

Plaintiff Metropolitan Life Insurance Company presently seeks a default judgment under
V.R.C.P. 55 and 80.1 based on the lack of any responsive filing from Defendant. In reviewing
the complaint, motion, supporting affidavits, and exhibits, the Court finds that Plaintiff has

established its prima facie burden as follows. Plaintiff has established that it is the holder and

owner of the note and mortgage concerning the property at 2216 Foster Hill Road, Woodbury,
Vermont. Plaintiff has established that Defendant is in default of the note and mortgage, and that

by the terms of the documents, Plaintiff is entitled to recover judgment against Defendant by
foreclosing on Defendant's interests in the Property. Plaintiff has also established, as required
under V.R.C.P. 80.1 that Defendant is not a minor and not currently serving in the armed forces

that might exempt her from judgment.

The Court finds that the amounts sought by Plaintiff in its affidavit of amounts owning
are reasonable and supported by the testimony of the affiant, Michael Garza, and they are

allowed, except for $3,914, which as detailed in Exhibit D, constitute attorneys' fees that should
have been addressed in the attorney's fees affidavit and which cannot be included outside of the

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25-CV-03353 Metropolitan Life Insurance Company v. David Clark
flat fee, and therefore is not allowed. The Court finds that Plaintiff is entitled to its fixed flat fee
of $2,905 consistent with the reasonable lodestar of attorney’s fees for a foreclosure.
L’Esperance v. Benware, 2003 VT 43, ¶¶ 22, 28. The Court will allow the costs of $592.93 as
stated in Attorney Joseph Galanes’ affidavit.
The Court will allow Foreclosure by sale under 12 V.S.A. § 4945(a) based on Plaintiff’s
representation that there is sufficient equity in in the property to warrant a judicial sale.
ORDER
Based on the foregoing, Plaintiff’s Motion for Default Judgment is Granted. Plaintiff’s
Motion for a Clerk’s Accounting is also Granted. The Court Clerk shall prepare a Clerk’s
Accounting based on the amounts stated in Plaintiff’s Affidavit of Amounts Owing minus the
$3,914 not allowed above, and the Affidavit of Attorney’s Fees. The Court Grants Plaintiff’s
motion for foreclosure by sale under 12 V.S.A. § 4945(a). Following the entry of the Clerk’s
Accounting, Plaintiff shall prepare a Judgment Order and Decree of Foreclosure and Judicial
Sale for the Court to review and adopt.
Electronically signed on 10/27/2025 8:29 AM pursuant to V.R.E.F. 9(d)

__________________________________
Daniel Richardson
Superior Court Judge

Entry Regarding Motion Page 2 of 2
25-CV-03353 Metropolitan Life Insurance Company v. David Clark