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Petition for Writ of Mandamus Denied and = Memorandum Opinion filed March 29, 2007.

 

In The

 

Fourteenth=20 Court of Appeals

____________

 

NO. 14-06-00698-CV

____________

 

IN RE RAPID = SETTLEMENTS,=20 LTD., Relator

 

 

 

ORIGINAL=20 PROCEEDING

WRIT OF=20 MANDAMUS

 

 

M E M O R=20 A N D U M   O P I N I O N

Relator Rapid = Settlements, Ltd.=20 has filed a petition for a writ of mandamus requesting that we = direct the=20 trial court to compel arbitration in a dispute involving real = parties=20 Simmie B. King and Settlement Funding, LLC d/b/a Peachtree = Settlement=20 Funding.  See Tex. Gov=3Dt Code Ann. = ' 22.221 (Vernon = 2004). =20 Because Rapid Settlements has not established its right to = arbitration, we=20 deny the petition.

           &= nbsp;           &n= bsp;           &nb= sp;           &nbs= p;        =20 I.  Factual Background

Rapid Settlements is = a=20 factoring company  that purchases future income streams from=20 individuals who are entitled to receive future payments, typically = as=20 compensation for the settlement of a personal injury claim.  = Rapid=20 Settlements offers to buy the individual=3Ds future income = stream in=20 exchange for an immediate lump sum payment.  Because of the = risks for=20 abuse inherent in such arrangements, most states, including Texas, = have=20 enacted statutes that require court approval of proposed transfers = of=20 settlement funds.  See Tex. Civ. Prac. & Rem. Code = '' 141.001B.007 (Vernon 2005) = (detailing=20 the AStructured Settlement = Protection Act@).[1]

In this case, Rapid = Settlements=20 offered to purchase a future income stream to which Simmie King = was=20 entitled.  As a result of an earlier settlement, Mr. King was = entitled to receive eighty-three (83) monthly payments in the = amount of=20 $532.50, beginning on September 1, 2009 and ending on July 1, = 2016. =20 The sum of these payments over time exceeded $44,000.  Rapid=20 Settlements offered an immediate lump sum of $12,000 to receive = these=20 payments.  Mr. King agreed, and on January 5, 2005, the = parties=20 executed an agreement entitled AAmended Transfer = Agreement (For=20 Transfer of Structured Settlement Payments)@ to govern their = transaction=20 (ATransfer = Agreement@).  The Transfer = Agreement=20 contains an arbitration clause.[2]

Because Mr. King = resides in=20 Georgia, the parties applied to a Georgia court for approval of = the=20 Transfer Agreement, as required by Georgia law.  See = generally=20 Ga. Code Ann. ' 51-12-70 et = seq. =20 The Georgia Court refused to approve the proposed transfer.  = On May=20 23, 2005, the Georgia court issued a final order expressly finding = that,=20 after considering the evidence, including Mr. King=3Ds testimony, = Athe proposed transfer = is not in=20 the best interest of Mr. King.@ 

Mr. King accordingly = entered a=20 second agreement with another company, Settlement Funding, for the = purchase of the same future income stream.  On January 12, = 2006, the=20 Georgia Court approved the transfer proposed by Settlement = Funding,=20 expressly finding, among other things, that the proposed transfer=20 Ais fair and = reasonable and in=20 the best interest of [Mr. King] taking into account the welfare = and=20 support of his dependents.@  After Rapid = Settlements=20 received notice of this order, Rapid Settlements began asserting a = Aright of first=20 refusal@ that it claimed to = have in Mr.=20 King=3Ds future income = stream,=20 threatening to initiate arbitration if it was not permitted to = exercise=20 this right.[3] =

When Mr. King did not = acquiesce=20 to Rapid Settlements=3D demand, on January = 25, 2006,=20 Rapid Settlements initiated arbitration in Texas before an = arbitrator,=20 Jeffery Newport, whom Rapid Settlements has allegedly used several = times=20 in the past.  The arbitrator promptly issued an order finding = that he=20 had jurisdiction over Mr. King, Settlement Funding, and all of the = future=20 income payments themselves.  He then issued a scheduling = order=20 setting the arbitration for April 25, 2006.

Settlement Funding = and Mr. King=20 both sought to prevent the arbitration from going forward by = seeking=20 temporary restraining orders from Texas district courts.[4] =20 Temporary restraining orders were granted and extended, and the = two cases=20 were consolidated.  The hearing on the temporary injunction = and Rapid=20 Settlements=3D motion to compel = arbitration=20 was eventually set for June 2006.  Apparently, at Rapid=20 Settlements=3D request, the = arbitrator also=20 issued a new scheduling order re-setting arbitration for June = 2006. =20 Because Rapid Settlements would not agree to stay the arbitration = until=20 after a hearing on the temporary injunction and its own motion to = compel=20 arbitration, Settlement Funding and Mr. King sought emergency = relief from=20 the trial court.  The trial court agreed that emergency = relief was=20 warranted and granted an order restraining Rapid Settlements from=20 conducting any arbitration until it received an order compelling=20 arbitration from the trial court.  Rapid Settlements filed = its first=20 petition for mandamus, which this court dismissed as moot absent a = ruling=20 from the trial court on the pending motion to=20 compel.    

The parties returned = to the=20 trial court.  After an oral hearing, the trial court entered = an order=20 denying the motion to compel.  Rapid Settlements filed its = second=20 petition for a writ of mandamus, which we address = herein.

           &= nbsp;           &n= bsp;           &nb= sp;           &nbs= p;            = ;      =20 II.  Analysis

Denials of motions to = compel=20 arbitration under the Federal Arbitration Act are typically = reviewable via=20 a petition for mandamus.  See FirstMerit Bank, = N.A., 52=20 S.W.3d 749, 753 (Tex. 2001).  A party seeking to compel = arbitration=20 by a writ of mandamus must: (1) establish the existence of a = valid=20 agreement to arbitrate under the Federal Arbitration Act = (AFAA@), and (2) show that = the claims=20 in dispute are within the scope of the agreement.  In re = Kellogg=20 Brown & Root, Inc., 166 S.W.3d 732, 737 (Tex. 2005) (orig. = proceeding). AWhether a valid = arbitration=20 agreement exists is a legal question subject to de novo=20 review.@  In re D. = Wilson=20 Constr. Co., 196 S.W.3d 774, 781 (Tex. 2006).

Rapid Settlements is = not a=20 stranger to Texas courts.  Two Texas courts have recently = addressed=20 whether Rapid Settlements is entitled to arbitration under = circumstances=20 similar to those in this case.  The Southern District of = Texas=20 enjoined Rapid Settlements from conducting arbitrations that would = effect=20 transfers of settlement rights, portraying Rapid = Settlements=3D strategy as one of = using=20 arbitration to effect the transfer of all or part of the = future-payment=20 stream under the annuities, despite the absence of court approval = for such=20 a transfer under the applicable state structured settlement = protection=20 statute.  See Symetra Life Ins. Co. v. Rapid Settlements = Ltd.,=20 No. H-05-3167, 2007 WL 114497, at *21B22 (S.D. Tex. Jan. = 10,=20 2007).  The Beaumont Court of Appeals has also recently ruled = that=20 Rapid Settlements may not obtain rights to structured settlement = proceeds=20 by arbitration absent court approval of its contract.  In = re Rapid=20 Settlements, Ltd., 202 S.W.3d 456, 462B63 (Tex. = App.CBeaumont 2006, orig. = proceeding=20 [mand. denied])(refusing to order arbitration because Rapid had = failed to=20 obtain court approval under the Settlement Act). 

We agree with the = outcome of=20 these cases: Rapid Settlements may not avoid mandatory state = statutes=20 designed to protect the beneficiaries of structured settlements by = resorting to arbitration.  Although our decision does not = rest on=20 these grounds, we note that this case involves: (1) a = non-negotiated=20 arbitration clause in a form contract that Rapid Settlements = drafted,=20 (2) a demand for arbitration before an arbitrator that Rapid=20 Settlements chose without Mr. King=3Ds input, whom Rapid = Settlements=20 has apparently used on several occasions before, and (3) a process = that=20 Rapid has hurried at every turn, trying to force Mr. King to = arbitration=20 notwithstanding the fact that issues relating to the = enforceability of the=20 relevant arbitration clause were pending in the trial court.=20

A Georgia court has = already=20 issued two final orders regarding Mr. King=3Ds settlement = proceeds. =20 That court unequivocally found that the proposal by Rapid = Settlements was=20 not in Mr. King=3Ds best interests and = refused to=20 approve it as such.  It also found that Mr. King=3Ds arrangement with = Settlement=20 Funding was in his best interests, and issued a final order = approving the=20 Settlement Funding arrangement.  Rapid Settlements now tries = to force=20 an arbitration that will revisit one or both of these final = rulings. =20

Rapid Settlements = claims that=20 it is only trying to enforce a right of first refusal, which it = maintains=20 is still valid.  An examination of its arbitration demand = suggests=20 otherwise.  Rapid Settlements expressly states that it seeks = to void=20 the transaction between Mr. King and Settlement Funding and = reinstate its=20 own transaction with Mr. King.  In addition to this, Rapid=20 Settlements demands that Mr. King and Settlement Funding be = jointly=20 responsible for it attorneys=3D fees and costs, = including the=20 arbitrator=3Ds fee.  The = arbitration=20 demand states:

Rapid continues to have a valid contract = with Mr.=20 King. . . . Rapid therefore seeks that [sic] the voiding of the = transfer=20 between Mr. King and Settlement Funding . . . and that Rapid, = which has=20 invoked [the] contractual right of first refusal be allowed to = consummate=20 its transaction free of Settlement Funding=3Ds interference.  Additionally, = Rapid seeks=20 the costs of these proceedings including Rapid=3Ds attorneys [sic] fees.

Claimant seeks an order and judgment = against Mr.=20 King and a turnover/garnishment of the future payments described = in the=20 transfer order obtained by Settlement Funding.  Rapid will = pay to Mr.=20 King the called for up-front cash payment . . . following the = entry of the=20 arbitrator=3Ds award by an appropriate court.  = Such amount=20 would be reduced by the other damages (the costs of these = proceedings and=20 Rapid=3Ds attorneys=3D fees).  In essence the = arbitrator is=20 being asked to specifically enforce the contracts at = issue.

In the alternative, [Rapid] seeks = payment of the=20 ten percent penalty called for under the agreement which should be = awarded=20 against both [Mr. King and Settlement Funding], along with a = garnishment=20 and turnover order be [sic] issued in connection with=20 same.

In all instances, Rapid requests that = the costs of=20 this proceeding including Rapid=3Ds attorneys [sic] fees and the=20 arbitrator=3Ds compensation be assessed against = Respondents=20 jointly and severally.

(January 25, 2006 = Arbitration=20 Demand) (emphasis added).

Rapid Settlements = cannot=20 accomplish in arbitration that which a Georgia court has already = refused=20 to allow as contrary to Mr. King=3Ds best = interests.  As the=20 Southern District of Texas concluded, Rapid cannot use arbitration = proceedings to avoid the applicable state structured settlement = protection=20 acts by obtaining arbitration awards to effect a transfer of = structured=20 settlement future payment rights.  See Symetra, 2007 = WL=20 114497, at *34.  This is particularly true where, as here, a = state=20 court has already issued final orders rejecting the transfer that = Rapid=20 Settlements proposed and accepting the transfer proposed by = Settlement=20 Funding.  See also In re Rapid Settlements, 202 S.W.3d = at=20 461B62 (holding that the = agreement=20 is not effective until the trial court Aapproves the transfer = in a=20 final order,@ because Athe word >transfer=3D in section 141.004 = refers to=20 the transfer agreement, not just to the payment to the=20 transferee@).

Rapid Settlements has = not=20 established its right to arbitration.  We accordingly deny = the=20 petition for mandamus.     The emergency stay = granted=20 on August 14, 2006, is=20 lifted.          =

 

PER CURIAM

 

 

Petition Denied and Memorandum Opinion = filed March=20 29, 2007.

Panel consists of = Justices=20 Anderson, Hudson, and Guzman.


 =20           [1]In a = recent=20 decision involving Rapid Settlements, the Southern District of = Texas noted=20 that A[t]he legislatures of forty-three states = . . . saw=20 a potential for abuse in these secondary-market transactions and = enacted=20 paternalistic statutes regulating them.@  Symetra Life Ins. Co. v. Rapid = Settlements, Ltd., No. H-05-3167, 2007 WL 114497, at *1 (S.D. = Tex.=20 Jan. 10, 2007).

 =20           [2]In = relevant=20 part, Rapid Settlements=3D arbitration clause provides: = AAny dispute or disagreement arising = under this=20 Agreement of any nature whatsoever including but not limited to = those=20 sounding in constitutional, statutory, or common law theories as = to the=20 performance of any obligations, the satisfaction of any rights, = and/or the=20 enforceability hereof, shall be resolved through demand by any = interested=20 party to arbitrate the dispute and shall submit the same to a = nationally=20 recognized, neutral, arbitration association for resolution = pursuant to=20 its single arbitrator, expedited rules.@ (Amended Transfer Agreement = '11(a).). 

 

 =20           [3]In = relevant=20 part, the Transfer Agreement provides that A[in consideration of the Transfer=20 Agreement=3Ds execution, Assignor hereby grants and = conveys to=20 Rapid Settlements a ten (10) day right of first refusal beginning = upon=20 Rapid Settlements=3D receiving actual written notification = of an offer=20 to purchase or otherwise acquire any Periodic Payments, as = follows: If=20 Assignor receives an oral or a written offer to sell, assign, = borrow=20 against, pledge or otherwise encumber any Periodic Payments and = Assignor=20 desires to enter into a transaction involving the sale, = assignment,=20 borrowing against, pledging, or other encumbrance thereof, = Assignor agrees=20 to immediately notify Rapid Settlements in writing: (a) that = Assignor has=20 received such an offer; and (b) describing in detail all terms of = said=20 offer along with providing all writings evidencing such.  = Assignor=20 agrees to direct any other purchaser to pay over to Rapid = Settlements ten=20 percent of the amount of Assigned Payments transferred by Assignor = to a=20 person in violation or breach of this para. 10.@ (Transfer Agreement ' 10.).

 =20           [4]This = procedural background is a summary of the procedural rulings that = are=20 relevant to Rapid Settlement=3Ds petition for a writ of=20 = mandamus.

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