# Garretson

> District Court, S.D. Ohio · March 4, 2026

URL: https://www.frixlaw.com/law-library/cases/11321208

## Case

- **Full name:** BankUnited, N.A. v. Rusty Garretson, et al.
- **Court:** District Court, S.D. Ohio
- **Decided:** March 4, 2026
- **Opinion:** 100trialcourt
- **Cited by:** 0 later opinions in the Frix Law Library

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## Opinion text

IN THE UNITED STATES DISTRICT COURT
FOR THE SOUTHERN DISTRICT OF OHIO
WESTERN DIVISION - CINCINNATI
BANKUNITED, N.A., : Case No. 1:25-cv-190
Plaintiff, Judge Matthew W. McFarland

RUSTY GARRETSON, et al.,
Defendants.

ORDER GRANTING PLAINTIFF’S MOTION FOR ATTORNEYS’ FEES (Doc. 22)

This matter is before the Court on Plaintiff's Motion for Attorneys’ Fees Against
Defendant Rusty Garretson (Doc. 22). As no response in opposition has been filed, and
the time to do so has passed, the Motion is ripe for review. For the reasons stated below,
Plaintiff's Motion for Attorneys’ Fees (Doc. 22) is GRANTED.
FACTS
Plaintiff BankUnited, N.A., holds Defendant Rusty Garretson’s mortgage loan on
his property, the Subject Property. (Gordon Decl., Doc. 16-1, {§ 3, 6.) A fire loss rendered
the Subject Property in a “blighted condition that was never repaired.” (Id. at ¥ 8.)
Defendant Allstate Vehicle and Property Insurance Company (” Allstate”) delivered a
check to Garretson in the amount of $82,000.00, but Garretson did not turn the check over
to Plaintiff, nor has he repaired the property. (Jd. at 9 9-10.) And, Garretson has not
made payments on the loan in several years. (Id. at {| 12.) A Butler County, Ohio, court
deemed the Subject Property a public nuisance and ordered its demolition, noting that

the demolition will cause Plaintiff to lose its collateral for the mortgage loan. (Id. at □ 8;
Court Order, Doc. 16-1, Pg. ID 275.)
PROCEDURAL POSTURE
Plaintiff brought the present action against Defendants on March 26, 2025.
(Compl., Doc. 1.) In the Complaint, Plaintiff brings claims of: (I) breach of mortgage
against Garretson; (II) Enforcement of August 25, 2017, Promissory Note against
Garretson; (III) Conversion against Garretson; and (IV) bad faith breach of an insurance
policy against Allstate. (Id.) Garretson was served in accordance with Federal Rule of
Civil Procedure 4(e)(2)(B), and his answer was due May 1, 2025. (Summons Returned
Executed, Doc. 8.) Garretson failed to answer or otherwise plead in response to the
Complaint. The Clerk entered a default against Garretson on May 8, 2025. (Clerk’s Entry
of Default, Doc. 10.) Plaintiff then moved for default judgment against Garretson (see Doc.
16), and the Court granted Plaintiffs Motion for Default Judgment against Garretson on
October 9, 2025, awarding Plaintiff a judgment in the amount of $100,624.33. (Order, Doc.
19.) Plaintiff then filed its Motion for Attorneys’ Fees Against Defendant Rusty Garretson
(Doc. 22), which is ripe for review.
LAW & ANALYSIS
Plaintiff's attorney, David Hart, filed a declaration outlining the breakdown of
hours and rates for the legal work performed on Plaintiff's case through November 7,
2025. (Hart Decl., Doc. 22, Pg. ID 223-26.) Plaintiff's total attorneys’ fees accrued by that
date were $12,290.00 for forty hours of legal work. (Id. at □□ 7, 17.)
Plaintiff seeks an award of attorneys’ fees against Garretson, as authorized by the

terms of the promissory note (“Note”) Garretson signed as part of his mortgage. (Motion
for Attorneys’ Fees, Doc. 22, Pg. ID 214; see also Promissory Note, Doc. 16-1, Pg. ID 152-
53.) The Note explicitly states that “the Note Holder will have the right to be paid back
by [Garretson] for all of its costs and expenses in enforcing this Note to the extent not
prohibited by law. Those expenses include, for example, reasonable attorneys’ fees.”
(Motion for Attorneys’ Fees, Doc. 22, Pg. ID 247; Promissory Note, Doc. 16-1, Pg. ID 152-
53.) Additionally, Plaintiff points out that Ohio courts follow the American rule for
attorneys’ fees, finding such fees generally not recoverable in contract actions “unless (1)
a statute creates the duty to pay fees, (2) the losing party acted in bad faith, or (3) the
parties contract to shift fees.” (Id. at Pg. ID 215 (quoting The Scotts Co. v. Cent. Garden &
Pet Co., 256 F. Supp.2d 734, 747-48 (S.D. Ohio 2003)).) The Court agrees that the Note’s
fee-shifting provision applies here. The only question that remains before the Court,
therefore, is whether Plaintiff's requested amount of attorneys’ fees is reasonable.
Courts use the lodestar method to determine an award of reasonable attorneys’
fees. Imwalle v. Reliance Med. Products, Inc., 515 F.3d 531, 551 (6th Cir. 2008). The lodestar
amount is “a reasonable hourly rate times a reasonable number of hours worked.” Brown

v. Halsted Fin. Servs., LLC, No. 3:12-cv-308, 2013 U.S. Dist. LEXIS 26144, at *6 (S.D. Ohio
Feb. 26, 2013) (citing Imwalle, 515 F.3d at 551). “The key requirement for an award of
attorneys’ fees is that the documentation offered in support of the hours charged must be
of sufficient detail and probative value to enable the court to determine with a high
degree of certainty that such hours were actually and reasonably expended in the
prosecution of the litigation.” Inwalle, 515 F.3d at 553. “[T]he district court is required to

give a clear explanation” for its award calculation. Moore v. Freeman, 355 F.3d 558, 566
(6th Cir. 2004).
i. Reasonable Hourly Rate
The Court has broad discretion in determining what constitutes a reasonable
hourly rate. Hudson v. Reno, 130 F.3d 1193, 1208 (6th Cir. 1997). The reasonable hourly
rate is generally the prevailing market rate in the relevant community. Blum v. Stenson,
465 U.S. 886, 895 (1984). The prevailing market rate is the rate that lawyers of comparable
skill and experience can reasonably expect to command in the venue of the court of
record. Geer v. Sundquist, 372 F.3d 784, 791 (6th Cir. 2004). Courts may also look to other
markets, such as a national market, an area of specialization, or any other appropriate
market for a prevailing market rate. Louisville Black Police Officers Org. v. City of Louisville,
700 F.2d 268, 278 (6th Cir. 1983).
Plaintiff notes that it was charged a flat rate of $295.00/hour for Shareholder work
in January 2025, but the rate increased to $315.00/hour in February 2025 for all
Shareholder and Counsel work, “regardless of the particular billing attorney’s level of
experience.” (Motion, Doc. 22, Pg. ID 217; Invoice, Exhibit 1, Doc. 22, Pg. ID 229-42.) This
flat rate for Plaintiff is a discounted rate due to Plaintiff's longstanding relationship with
its counsel. (Id.; see also Hart Decl., Doc. 22, {4 8-9.) Plaintiff justifies these two hourly
rates by pointing out that they fall within or only slightly above the mean and median
hourly rates published by the State Bar of Ohio in its 2024 The Economics of Law Practice
Report (the “2024 Report”). (Id. at Pg. ID 218; see also 2024 Report, Ex. 2, Doc. 22, Pg. ID
41.) Indeed, Hart states that the attorneys who worked on this case had between 11 and

34 years of experience. (Id. at Pg. ID 218; Hart Decl., Doc. 22, 9] 12-15.) And, the 2024
Report, which analyzes data from 2023, lists that the median hourly rate for private
practitioners with 11-15 years of experience is $300; the hourly rate for 16-25 years of
experience is $303; and the hourly rate for 26-35 years of experience is $278. Considering
this data, the Court finds Plaintiff's argument persuasive, as other courts in this district
have relied on the State Bar of Ohio’s The Economics of Law Practice reports to determine
reasonableness of hourly rates. See, e.g., Swickheimer v. Best Courier, Inc., No. 2:19-CV-3706,
2021 WL 6033682, at *3 (S.D. Ohio Dec. 21, 2021). Moreover, courts in this district have
found similar hourly rates to be reasonable. See, e.g. Miller v. Experian Information Solutions
Inc., No. 3:13-CV-090, 2015 WL 1637607 (S.D. Ohio Apr. 13, 2015) (finding $350.00 to be a
reasonable hourly rate). Accordingly, the Court finds Plaintiff's counsel’s hourly rates on
the Invoice to be reasonable.
ii. Reasonable Number of Hours
When determining the reasonable number of hours worked, “the standard is
whether a reasonable attorney would have believed the work to be reasonably expended
in pursuit of success at the point in time when the work was performed.” Brown, 2013
US, Dist. LEXIS 26144, at *6 (citing Wooldridge v. Marlene Indus. Corp., 898 F.2d 1169, 1177
(6th Cir. 1990)).
Plaintiff's counsel maintains that the attorneys who performed work on this case
billed 40 hours by the date of the Invoice. (See Hart Decl., Doc. 22, § 7.) To demonstrate
how these hours were allocated, counsel submitted an itemized invoice of the hours
billed. (Invoice, Ex. 1, Doc. 22, Pg. ID 228-69.) The invoice details actions performed by

counsel at the firm. ([d.) A reasonable attorney would believe that these hours needed to
be reasonably expended in pursuit of default judgment. See Miller, 2015 WL 1637607, at
*2 (finding 65 hours reasonable for two attorneys to seek default judgment against a
party). Additionally, the documentation provided in support of the hours expended is
detailed enough to support the conclusion that these hours were actually and reasonably
expended. (See Invoice, Ex. 1, Doc. 22, Pg. ID 228-69; Inwalle, 515 F.3d at 553.) Accordingly,
the hours expended by Plaintiff's counsel as listed on the Invoice are reasonable.
iii. The Lodestar Amount
The lodestar method results in a finding that the rates sought by Plaintiffs’ counsel
and hours expended, as shown on the Invoice, are reasonable. The total number of hours
worked multiplied by the respective rates of $295 and $315 equals a total of $12,290.00.
CONCLUSION
For the foregoing reasons, the Court hereby GRANTS Plaintiff's Motion for
Attorneys’ Fees Against Rusty Garretson (Doc. 22) and awards Plaintiff attorneys’ fees in
the amount of $12,290.00, in addition to the previous judgment (Doc. 19) against
Defendant Rusty Garretson in the amount of $100,624.33, for a total judgment of
$112,914.33.
IT IS SO ORDERED.
UNITED STATES DISTRICT COURT
SOUTHERN DISTRICT OF OHIO

By: ‘
JUDGE MATTHEW W. McFARLAND

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Source: Frix Law Library, https://www.frixlaw.com/law-library/cases/11321208. Public record. Not legal advice.