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Hica Education Loan Corporation v. McKinney

United States District Court, D. Colorado

September 18, 2014

HICA EDUCATION LOAN CORPORATION, Plaintiff,
v.
DANA R. MCKINNEY, Defendant.

ORDER ADOPTING RECOMMENDATION OF MAGISTRATE JUDGE

RAYMOND P. MOORE, District Judge.

This matter is before the Court on the November 26, 2012 Recommendation of United States Magistrate Judge Kristen L. Mix (the "Recommendation") (ECF No. 21) that the Plaintiff's Motion for Default Judgment (ECF No. 18) be granted, and that judgment be entered against Defendant, including prejudgment and post-judgment interest. Defendant has not responded since the entry of the Recommendation either formally or informally, despite Plaintiff's further attempts to contact her, and despite an Order by this Court that the parties file a Status Report when the case was reassigned to Judge Moore in 2013. ( See ECF Nos. 23, 24.)

This Court has reviewed the Recommendation under the applicable de novo standard of Fed.R.Civ.P. 72(b). Default judgment may enter against a party who fails to appear or otherwise defend a lawsuit. Fed.R.Civ.P. 55. "[D]efault judgment must normally be viewed as available only when the adversary process has been halted because of an essentially unresponsive party. In that instance, the diligent party must be protected lest he be faced with interminable delay and continued uncertainty as to his rights. The default judgment remedy serves as such a protection." In re Rains, 946 F.2d 731, 732-33 (10th Cir.1991) (internal quotation marks and citation omitted). Further, "a party is not entitled to a default judgment as of right; rather the entry of a default judgment is entrusted to the sound judicial discretion of the court." Greenwich Ins. Co. v. Daniel Law Firm, No. 07-cv-2445, n, at *2 (D. Colo. Mar. 22, 2008) (internal quotation marks and citation omitted).

Having reviewed the record de novo, the Court agrees with Judge Mix that default judgment is appropriate here. Plaintiff established in the Complaint that Defendant defaulted on her student loan, and Defendant has thus failed to make any filings or respond in any manner to this action. The Clerk of the Court entered default against Defendant on March 15, 2012. Since that time, a Suggestion of Bankruptcy was filed by Plaintiff on behalf of Defendant (ECF No. 14), an automatic stay was imposed, and then the automatic stay was lifted (ECF No. 17). Plaintiff now seeks default judgment, Judge Mix agreed, and this Court will now order that default judgment be entered. Defendant is now obligated to Plaintiff for $6753.53 in unpaid principal, $1342.45 in unpaid interest[1] as of December 21, 2011, plus $0.43[2] per day since that date, and $8.23 in late charges. In addition, Plaintiff seeks post-judgment interest at the variable rate to which the parties contracted in the Note or, in the alternative, post-judgment interest pursuant to 28 U.S.C. § 1961. (ECF No. 18 at 2, n.1.) This Court agrees with Judge Mix's analysis on this point ( see ECF No. 21 at 4), and post-judgment interest shall be awarded in accordance with 28 U.S.C. § 1961.

In accordance with the foregoing, the Court ORDERS as follows:

(1) Judge Mix's Recommendation (ECF No. 21) is ADOPTED as modified herein;
(2) Plaintiff's Motion for default judgment (ECF No. 18) is GRANTED.
(3) Judgment shall enter in favor of plaintiff and against defendant in the amount of $8104.21;
(4) Prejudgment interest shall be awarded at the rate of $.43 per day from the date of the Motion, October 4, 2012, to the date of judgement;
(5) Post-judgemnt interest shall be awarded prusuant to 28 U.S.C § 1961.

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