{ "id": 12175294, "name": "COLLEGE ROAD ANIMAL HOSPITAL, PLLC; PHILLIP LANZI and JAMIE LANZI, Plaintiffs v. JON KEDRICK COTTRELL and JULIE COTTRELL, Defendants", "name_abbreviation": "College Road Animal Hospital, PLLC v. Cottrell", "decision_date": "2014-09-16", "docket_number": "No. COA14-29", "first_page": "259", "last_page": "271", "citations": [ { "type": "official", "cite": "236 N.C. App. 259" } ], "court": { "name_abbreviation": "N.C. Ct. App.", "id": 14983, "name": "North Carolina Court of Appeals" }, "jurisdiction": { "id": 5, "name_long": "North Carolina", "name": "N.C." }, "cites_to": [ { "cite": "501 S.E.2d 72", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1998, "pin_cites": [ { "page": "74", "parenthetical": "quoting 10 James W. Moore et al., Moore's Federal Practice \u00b6 55.25, at 55-46 (3d ed. 1997)" } ], "opinion_index": 0 }, { "cite": "348 N.C. 568", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 1659833 ], "year": 1998, "pin_cites": [ { "page": "572", "parenthetical": "quoting 10 James W. Moore et al., Moore's Federal Practice \u00b6 55.25, at 55-46 (3d ed. 1997)" } ], "opinion_index": 0, "case_paths": [ "/nc/348/0568-01" ] }, { "cite": "715 S.E.2d 509", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 2011, "pin_cites": [ { "page": "512", "parenthetical": "quoting Black's Law Dictionary 997 (9th ed. 2009)" } ], "opinion_index": 0 }, { "cite": "214 N.C. App. 635", "category": "reporters:state", "reporter": "N.C. App.", "year": 2011, "pin_cites": [ { "page": "539", "parenthetical": "quoting Black's Law Dictionary 997 (9th ed. 2009)" } ], "opinion_index": 0 }, { "cite": "124 S.E.2d 905", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1962, "pin_cites": [ { "page": "908", "parenthetical": "holding that \" [i]t is a [well-established] principle that an express contract precludes an implied contract with reference to the same matter\"" } ], "opinion_index": 0 }, { "cite": "256 N.C. 709", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8574810 ], "year": 1962, "pin_cites": [ { "page": "713", "parenthetical": "holding that \" [i]t is a [well-established] principle that an express contract precludes an implied contract with reference to the same matter\"" } ], "opinion_index": 0, "case_paths": [ "/nc/256/0709-01" ] }, { "cite": "497 S.E.2d 412", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1998, "pin_cites": [ { "page": "415", "parenthetical": "holding that \"[o]nly in the absence of an express agreement of the parties will courts impose a [quasi-contract] or a contract implied in law in order to prevent an unjust enrichment\"" } ], "opinion_index": 0 }, { "cite": "348 N.C. 39", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 1659811 ], "year": 1998, "pin_cites": [ { "page": "42", "parenthetical": "holding that \"[o]nly in the absence of an express agreement of the parties will courts impose a [quasi-contract] or a contract implied in law in order to prevent an unjust enrichment\"" } ], "opinion_index": 0, "case_paths": [ "/nc/348/0039-01" ] }, { "cite": "369 S.E.2d 554", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1988, "pin_cites": [ { "page": "556" } ], "opinion_index": 0 }, { "cite": "322 N.C. 567", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 2519016 ], "year": 1988, "pin_cites": [ { "page": "570" } ], "opinion_index": 0, "case_paths": [ "/nc/322/0567-01" ] }, { "cite": "34 S.E.2d 430", "category": "reporters:state_regional", "reporter": "S.E.2d", "weight": 2, "year": 1945, "pin_cites": [ { "page": "434" } ], "opinion_index": 0 }, { "cite": "225 N.C. 293", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8606315 ], "year": 1945, "pin_cites": [ { "page": "300" } ], "opinion_index": 0, "case_paths": [ "/nc/225/0293-01" ] }, { "cite": "477 S.E.2d 39", "category": "reporters:state_regional", "reporter": "S.E.2d", "weight": 2, "year": 1996, "opinion_index": 0 }, { "cite": "344 N.C. 630", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 867680, 867684, 867556, 867573, 867612 ], "year": 1996, "opinion_index": 0, "case_paths": [ "/nc/344/0630-05", "/nc/344/0630-01", "/nc/344/0630-02", "/nc/344/0630-04", "/nc/344/0630-03" ] }, { "cite": "473 S.E.2d 382", "category": "reporters:state_regional", "reporter": "S.E.2d", "weight": 2, "pin_cites": [ { "page": "385" }, { "page": "385" } ], "opinion_index": 0 }, { "cite": "123 N.C. App. 469", "category": "reporters:state", "reporter": "N.C. App.", "case_ids": [ 11913750 ], "weight": 2, "pin_cites": [ { "page": "473" }, { "page": "473" } ], "opinion_index": 0, "case_paths": [ "/nc-app/123/0469-01" ] }, { "cite": "150 S.E.2d 70", "category": "reporters:state_regional", "reporter": "S.E.2d", "weight": 2, "year": 1966, "pin_cites": [ { "page": "73" }, { "page": "73" } ], "opinion_index": 0 }, { "cite": "268 N.C. 92", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8560199 ], "weight": 2, "year": 1966, "pin_cites": [ { "page": "95-96" }, { "page": "96" } ], "opinion_index": 0, "case_paths": [ "/nc/268/0092-01" ] }, { "cite": "83 S.E. 585", "category": "reporters:state_regional", "reporter": "S.E.", "year": 1914, "pin_cites": [ { "page": "590", "parenthetical": "holding \"that a surety is considered as a maker of the note [while] a guarantor is never a maker\"" } ], "opinion_index": 0 }, { "cite": "167 N.C. 600", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 11273602 ], "year": 1914, "pin_cites": [ { "page": "608", "parenthetical": "holding \"that a surety is considered as a maker of the note [while] a guarantor is never a maker\"" } ], "opinion_index": 0, "case_paths": [ "/nc/167/0600-01" ] }, { "cite": "89 S.E.2d 413", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1955, "pin_cites": [ { "page": "415" } ], "opinion_index": 0 }, { "cite": "242 N.C. 686", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8621662 ], "year": 1955, "pin_cites": [ { "page": "689" } ], "opinion_index": 0, "case_paths": [ "/nc/242/0686-01" ] }, { "cite": "187 S.E.2d 752", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1972, "pin_cites": [ { "page": "756" } ], "opinion_index": 0 }, { "cite": "281 N.C. 140", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8574023 ], "year": 1972, "pin_cites": [ { "page": "146" } ], "opinion_index": 0, "case_paths": [ "/nc/281/0140-01" ] }, { "cite": "188 S.E.2d 342", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1972, "pin_cites": [ { "page": "345", "parenthetical": "stating that obligations arising out of guaranty agreements are \"separate and independent of the obligation of the principal debtor\"" } ], "opinion_index": 0 }, { "cite": "281 N.C. 191", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8574517 ], "year": 1972, "pin_cites": [ { "page": "195", "parenthetical": "stating that obligations arising out of guaranty agreements are \"separate and independent of the obligation of the principal debtor\"" } ], "opinion_index": 0, "case_paths": [ "/nc/281/0191-01" ] }, { "cite": "269 S.E.2d 264", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1980, "opinion_index": 0 }, { "cite": "300 N.C. 197", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8560356, 8560397, 8560439, 8560381, 8560415 ], "year": 1980, "opinion_index": 0, "case_paths": [ "/nc/300/0197-01", "/nc/300/0197-03", "/nc/300/0197-05", "/nc/300/0197-02", "/nc/300/0197-04" ] }, { "cite": "262 S.E.2d 845", "category": "reporters:state_regional", "reporter": "S.E.2d", "weight": 2, "year": 1980, "pin_cites": [ { "page": "847" }, { "page": "847" } ], "opinion_index": 0 }, { "cite": "45 N.C. App. 213", "category": "reporters:state", "reporter": "N.C. App.", "case_ids": [ 8548094 ], "weight": 2, "year": 1980, "pin_cites": [ { "page": "217" }, { "page": "218" } ], "opinion_index": 0, "case_paths": [ "/nc-app/45/0213-01" ] }, { "cite": "357 S.E.2d 700", "category": "reporters:state_regional", "reporter": "S.E.2d", "weight": 2, "year": 1987, "pin_cites": [ { "page": "703" } ], "opinion_index": 0 }, { "cite": "86 N.C. App. 342", "category": "reporters:state", "reporter": "N.C. App.", "case_ids": [ 12130028 ], "year": 1987, "pin_cites": [ { "page": "346" } ], "opinion_index": 0, "case_paths": [ "/nc-app/86/0342-01" ] }, { "cite": "370 S.E.2d 375", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1988, "pin_cites": [ { "page": "388" } ], "opinion_index": 0 }, { "cite": "322 N.C. 643", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 2518481 ], "year": 1988, "pin_cites": [ { "page": "663" } ], "opinion_index": 0, "case_paths": [ "/nc/322/0643-01" ] }, { "cite": "N.C. Gen. Stat. \u00a7 25-3-402", "category": "laws:leg_statute", "reporter": "N.C. Gen. Stat.", "weight": 5, "pin_cites": [ { "page": "(b)" }, { "page": "(b)" }, { "page": "(a)" }, { "page": "(b)" }, { "page": "(b)(2)" } ], "opinion_index": 0 }, { "cite": "250 S.E.2d 587", "category": "reporters:state_regional", "reporter": "S.E.2d", "weight": 2, "year": 1978, "pin_cites": [ { "page": "593" } ], "opinion_index": 0 }, { "cite": "296 N.C. 212", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8565499 ], "year": 1978, "pin_cites": [ { "page": "220" } ], "opinion_index": 0, "case_paths": [ "/nc/296/0212-01" ] }, { "cite": "269 S.E.2d 117", "category": "reporters:state_regional", "reporter": "S.E.2d", "weight": 3, "year": 1980, "pin_cites": [ { "page": "122" }, { "page": "122", "parenthetical": "citations omitted" }, { "page": "122" } ], "opinion_index": 0 }, { "cite": "301 N.C. 44", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8561083 ], "weight": 2, "year": 1980, "pin_cites": [ { "page": "52" }, { "page": "52" } ], "opinion_index": 0, "case_paths": [ "/nc/301/0044-01" ] }, { "cite": "N.C. Gen. Stat. \u00a7 25-3-116", "category": "laws:leg_statute", "reporter": "N.C. Gen. Stat.", "pin_cites": [ { "page": "(b)", "parenthetical": "providing that \"a party having joint and several liability who pays the instrument is entitled to receive from any party having the same joint and several liability contribution in accordance with applicable law\"" } ], "opinion_index": 0 }, { "cite": "28 S.E.2d 207", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1943, "pin_cites": [ { "page": "214", "parenthetical": "stating that \"[t]he right to sue for contribution does not depend upon a prior determination that the defendants are liable\"" } ], "opinion_index": 0 }, { "cite": "223 N.C. 676", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8615841 ], "year": 1943, "pin_cites": [ { "page": "686", "parenthetical": "stating that \"[t]he right to sue for contribution does not depend upon a prior determination that the defendants are liable\"" } ], "opinion_index": 0, "case_paths": [ "/nc/223/0676-01" ] }, { "cite": "470 S.E.2d 336", "category": "reporters:state_regional", "reporter": "S.E.2d", "weight": 4, "year": 1996, "pin_cites": [ { "page": "337", "parenthetical": "alteration in original" }, { "page": "337", "parenthetical": "alteration in original" } ], "opinion_index": 0 }, { "cite": "122 N.C. App. 499", "category": "reporters:state", "reporter": "N.C. App.", "case_ids": [ 11918318 ], "weight": 2, "year": 1996, "pin_cites": [ { "page": "501", "parenthetical": "alteration in original" }, { "page": "501" } ], "opinion_index": 0, "case_paths": [ "/nc-app/122/0499-01" ] }, { "cite": "562 S.E.2d 422", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 2002, "opinion_index": 0 }, { "cite": "355 N.C. 485", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 219927 ], "year": 2002, "opinion_index": 0, "case_paths": [ "/nc/355/0485-01" ] }, { "cite": "557 S.E.2d 610", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 2001, "pin_cites": [ { "page": "612" } ], "opinion_index": 0 }, { "cite": "148 N.C. App. 163", "category": "reporters:state", "reporter": "N.C. App.", "case_ids": [ 9364358 ], "year": 2001, "pin_cites": [ { "page": "165" } ], "opinion_index": 0, "case_paths": [ "/nc-app/148/0163-01" ] }, { "cite": "289 S.E.2d 363", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1982, "pin_cites": [ { "page": "366" } ], "opinion_index": 0 }, { "cite": "305 N.C. 366", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8569908 ], "year": 1982, "pin_cites": [ { "page": "369-70" } ], "opinion_index": 0, "case_paths": [ "/nc/305/0366-01" ] }, { "cite": "186 S.E.2d 897", "category": "reporters:state_regional", "reporter": "S.E.2d", "year": 1972, "pin_cites": [ { "page": "901" } ], "opinion_index": 0 }, { "cite": "280 N.C. 513", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8572831 ], "year": 1972, "pin_cites": [ { "page": "518" } ], "opinion_index": 0, "case_paths": [ "/nc/280/0513-01" ] }, { "cite": "588 S.E.2d 20", "category": "reporters:state_regional", "reporter": "S.E.2d", "weight": 3, "year": 2003, "pin_cites": [ { "page": "25", "parenthetical": "quoting N.C. Gen. Stat. \u00a7 1A-1, Rule 56(c)" }, { "page": "25-26" }, { "page": "25" } ], "opinion_index": 0 }, { "cite": "161 N.C. App. 20", "category": "reporters:state", "reporter": "N.C. App.", "case_ids": [ 8955097 ], "weight": 2, "year": 2003, "pin_cites": [ { "page": "26", "parenthetical": "quoting N.C. Gen. Stat. \u00a7 1A-1, Rule 56(c)" }, { "page": "26" } ], "opinion_index": 0, "case_paths": [ "/nc-app/161/0020-01" ] } ], "analysis": { "cardinality": 1164, "char_count": 33508, "ocr_confidence": 0.724, "pagerank": { "raw": 6.087085966315723e-08, "percentile": 0.3787014223609176 }, "sha256": "057655368cab8d4e8417b5236ca0371e888edd7747f24b693caa428bde55ac26", "simhash": "1:7160441b090d647e", "word_count": 5546 }, "last_updated": "2023-07-14T22:41:07.458141+00:00", "provenance": { "date_added": "2019-08-29", "source": "Harvard", "batch": "2018" }, "casebody": { "judges": [ "Judges ROBERT N. HUNTER, JR. concurred in this opinion prior to 6 September 2014.", "Judge DAVIS concurs." ], "parties": [ "COLLEGE ROAD ANIMAL HOSPITAL, PLLC; PHILLIP LANZI and JAMIE LANZI, Plaintiffs v. JON KEDRICK COTTRELL and JULIE COTTRELL, Defendants" ], "opinions": [ { "text": "ERVIN, Judge.\nDefendants Jon Kedrick Cottrell and Julie Cottrell appeal from an order granting summary judgment in favor of Plaintiffs College Road Animal Hospital, Phillip Lanzi, and Jamie Lanzi, and ordering Defendants to pay 50% of all past due and future payments required under a loan obtained from Bank of America. On appeal, Defendants contend that the trial court erred by entering summary judgment in favor of Plaintiffs and, concomitantly, declining to enter summary judgment in their favor on the grounds that the Lanzis and the Cottrells were not principals under the loan and that the existence of an express contract between the parties precluded the maintenance of an action for unjust enrichment. After careful consideration of Defendants\u2019 challenges to the trial court\u2019s order in light of the record and the applicable law, we conclude that summary judgment was improperly entered in favor of Plaintiffs, that summary judgment should have been entered in favor of Ms. Cottrell with respect to Plaintiffs\u2019 contribution claim, and that summary judgment should have been entered in favor of Defendants with respect to Plaintiffs\u2019 unjust enrichment claim; that the trial court\u2019s order should be reversed; and that this case should be remanded to the New Hanover County Superior Court for further proceedings not inconsistent with this opinion.\nI. Factual Background\nA. Substantive Facts\nIn May of 2009, Dr. Cottrell purchased the 50% interest in College Road that had been previously owned by Dr. Robert Weedon. Prior to that date, Dr. Cottrell had been employed by College Road and operated its Carolina Beach location. After purchasing Dr. Weedon\u2019s interest, Dr. Cottrell was responsible for operating the Carolina Beach location while Dr. Lanzi was responsible for operating the College Road location.\nOn 16 September 2009, College Road obtained a $293,000 loan from Bank of America for the purpose of making capital improvements at the Carolina Beach location. According to the loan agreement, the \u201cBorrower shall make all scheduled payments to Lender.\u201d In addition, \u201c[e]ach Borrower and each Guarantor agree[d] that [their] obligation to make payments to [the] Lender on the Indebtedness under [the] Agreement [was] absolute and unconditional.\u201d The \u201cdismissal, resignation or other withdrawal\u201d from College Road\u2019s practice by \u201cany licensed professional who is an owner or shareholder\u201d was prohibited under the loan agreement. The list of incidents of default specified in the loan agreement included, in addition to a failure to make required payments, any failure to adhere to any of the other covenants set forth in that document.\nDr. Lanzi and Dr. Cottrell signed the loan agreement in the section designated for the signature of the borrower. In addition, the two men, along with their wives, executed the guaranty agreement. The loan agreement was modified on 11 March 2010 to increase the principal amount from $293,000 to $312,000, with final disbursement under the loan agreement having been made in December of 2010.\nOn 17May 2011, the Cottrells sent an email to Dr. Lanzi indicating that Dr. Cottrell was relinquishing his interest in College Road and defaulting on his agreement to purchase shares in Dr. Weedon\u2019s business. On 15 June 2011, Dr. Lanzi\u2019s attorney responded to the Cottrells\u2019 e-mail by accepting Dr. Cottrell\u2019s resignation and indicating that Dr. Lanzi did not wish to enter into an employer-employee relationship with Dr. Cottrell. On 20 July 2011, the Cottrells\u2019 attorney notified Bank of America that Dr. Cottrell was no longer affiliated with College Road and that the Cottrells had terminated their personal guarantee with respect to any further advances made to or obligations incurred by College Road.\nAccording to Dr. Lanzi, he and Dr. Cottrell understood that the two of them would contribute half of the funds needed to repay the loan. The actual payments under the loan agreement, however, were made by College Road, with the funds needed for the making of these payments having been derived from the operation of both the College Road and Carolina Beach locations. After the termination of Dr. Cottrell\u2019s relationship with the practice, College Road continued to make the required regular monthly payments, which totaled $74,165.80 at the time of the hearing in the trial court, without any contribution from Dr. Cottrell. Bank of America has never made any demand for payment upon Dr. Cottrell.\nB. Procedural History\nOn 29 August 2012, Plaintiffs filed a complaint against Defendants alleging claims sounding in equitable contribution and unjust enrichment. On 27 September 2012, Defendants filed an answer in which they denied the material allegations of Plaintiffs\u2019 complaint. On 5 June 2013, Plaintiffs filed a motion seeking the entry of summary judgment in their favor that was accompanied by an affidavit executed by Dr. Lanzi. On 28 August 2013, Defendants filed a motion seeking the entry of summary judgment in their favor that was accompanied by an affidavit executed by Dr. Cottrell. On 11 September 2013, the trial court entered an order granting Plaintiffs\u2019 summary judgment motion, denying Defendants\u2019 summary judgment motion, ordering Defendants to pay $37,082.90, an amount that represented half of the monthly payments that had been made to Bank of America under the loan agreement between July 2011 and May 2013, and ordering Defendants to provide 50% of the funds used to make the remaining payments required under the loan agreement. Defendants noted an appeal to this Court from the trial court\u2019s order.\nII. Legal Analysis\nA. Standard of Review\n\u201cSummary judgment is proper when \u2018the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact and that any party is entitled to a judgment as a matter of law.\u2019 \u201d Broughton v. McClatchy Newspapers, Inc., 161 N.C. App. 20, 26, 588 S.E.2d 20, 25 (2003) (quoting N.C. Gen. Stat. \u00a7 1A-1, Rule 56(c)). During the consideration of a motion for summary judgment:\nThe moving party bears the burden of demonstrating the lack of triable issues of fact. Koontz v. City of Winston-Salem, 280 N.C. 513, 518, 186 S.E.2d 897, 901 (1972). Once the movant satisfies its burden of proof, the burden then shifts to the non-movant to present specific facts showing triable issues of material fact. Lowe v. Bradford, 305 N.C. 366, 369-70, 289 S.E.2d 363, 366 (1982). On appeal from summary judgment, \u201cwe review the record in the light most favorable to the non-moving party.\u201d Bradley v. Hidden Valley Transp., Inc., 148 N.C. App. 163, 165, 557 S.E.2d 610, 612 (2001), aff'd, 355 N.C. 485, 562 S.E.2d 422 (2002).\nId. at 26, 588 S.E.2d at 25-26. We will now utilize this standard of review in analyzing the validity of Defendants\u2019 challenges to the trial court\u2019s order.\nB. Substantive Legal Analysis\n1. Contribution Claim\nThe first of the two theories upon which Plaintiffs based their claim against Defendants was that of contribution. \u201cContribution is generally defined as \u2018the right of one who has discharged a common liability or burden to recover of another also liable [the fractional] portion which he ought to pay or bear.\u2019 \u201d Irvin v. Egerton, 122 N.C. App. 499, 501, 470 S.E.2d 336, 337 (1996) (alteration in original) (quoting 18 C.J.S. Contribution \u00a7 2, at 4 (1990)). Although \u201c[i]t is a prerequisite to a claim for contribution that the party seeking contribution \u2018satisfy, by payment or otherwise, more than his just proportion of the common obligation or liability,\u2019 \u201d id. (quoting 18 Am. Jur. 2d Contribution \u00a7 9, at 16 (1985)), this Court has determined that a plaintiff is \u201centitled to contribution\u201d and has \u201csatisfied more than his just proportion of that common obligation\u201d when the \u201cparties ha[d] a monthly obligation\u201d and \u201ceach month... the plaintiff paid more than one-half of the monthly obligation.\u201d Id. As a result, a plaintiff seeking contribution-based relief is simply required to prove that the obligation exists, that the parties are both required to pay the obligation, and that one obligor has paid a portion of the obligation for which the other obligor was legally responsible. Id.; see also Nebel v. Nebel, 223 N.C. 676, 686, 28 S.E.2d 207, 214 (1943) (stating that \u201c[t]he right to sue for contribution does not depend upon a prior determination that the defendants are liable\u201d); N.C. Gen. Stat. \u00a7 25-3-116(b) (providing that \u201ca party having joint and several liability who pays the instrument is entitled to receive from any party having the same joint and several liability contribution in accordance with applicable law\u201d). As a result of the fact that the trial court\u2019s order awarded relief against both Dr. Cottrell and Ms. Cottrell, we must examine their liability under a contribution theory separately.\na. Ms. Cottrell\u2019s Liability\nAs we have already noted, a litigant\u2019s ability to obtain relief on the basis of a contribution theory assumes that the plaintiff and the defendant are both obligated to make the underlying payment. For that reason, Plaintiffs were required to show that Ms. Cottrell was liable under the loan agreement in order to obtain relief from her based upon a contribution theory. We do not believe that Plaintiffs have made the required showing.\nThe only signatures appearing in the portion of the loan agreement at which the borrower or borrowers were supposed to sign were those of Dr. Lanzi and Dr. Cottrell, who were the sole owners of interests in College Road. On the other hand, a careful review of the record clearly establishes that Ms. Cottrell did not sign the loan agreement in the location designated for the borrowers and that the only location in the loan agreement at which the signatures of either Ms. Lanzi or Ms. Cottrell appear is at the conclusion of the guaranty agreement. As a result, an examination of the loan agreement reveals that Ms. Cottrell never agreed to shoulder any obligations under that document except those set out in the guaranty agreement.\n\u201cA guaranty is a promise to answer for the payment of a debt or the performance of some duty in the event of the failure of another person who is himself primarily liable for such payment or performance.\u201d Branch Banking & Trust Co. v. Creasy, 301 N.C. 44, 52, 269 S.E.2d 117, 122 (1980). While \u201ca surety is primarily liable for tibe discharge of the underlying obligation, and is engaged in a direct and original undertaking which is independent of any default,\u201d \u201c[a] guarantor\u2019s duty of performance is triggered at the time of the default of another.\u201d Id. at 52-53, 269 S.E.2d at 122 (citations omitted). Consistently with this fundamental legal principle, the guaranty agreement contained in the loan agreement provides, in pertinent part, that the guarantors \u201cshall immediately pay to [the] Lender the outstanding balance of all Indebtedness\u201d \u201c [i]f [the] Borrower fails to pay all or any part of any indebtedness when due.\u201d\nAccording to the undisputed evidence contained in the record, the loan at issue in this case is current. For that reason, neither Ms. Lanzi nor Ms. Cottrell are currently hable for any amount owed to Bank of America under the loan agreement. Thus, Ms. Cottrell is not jointly obligated with the other parties to pay the amount owed to Bank of America under the loan agreement. As a result, the trial court erred by entering summary judgment in favor of Plaintiffs and against Ms. Cottrell on the basis of a contribution theory.\nb. Guarantors\u2019 Liability\nSecondly, Plaintiffs argue that Dr. Lanzi and Dr. Cottrell were primarily hable on the note given the presence of their signatures on the loan agreement in the block marked for borrowers and were, simultaneously, secondarily liable for the amount owed under the loan as evidenced by their signatures at the conclusion of the guaranty agreement. Athough Plaintiffs appear to suggest that the joint obhgation required for the successful assertion of a contribution claim can arise from Dr. Cottrell's status as a guarantor, we do not find this contention persuasive in light of the principle that \u201c[a] guarantor\u2019s duty of performance is triggered at the time of the default of another,\u201d id. at 52, 269 S.E.2d at 122, and the fact that the guaranty agreement at issue in this case provides that the \u201cGuarantor shall immediately pay to Lender the outstanding balance of all Indebtedness\u201d if \u201cBorrower fails to pay all or any part of any Indebtedness when due.\u201d As a result, given that a guaranty agreement constitutes nothing more than a \u201cpromise to pay the debt of another at maturity if not paid by the principal debtor,\u201d O\u2019Grady v. First Union Nat\u2019l Bank, 296 N.C. 212, 220, 250 S.E.2d 587, 593 (1978), and the fact that \u201c[t]he right to sue upon an absolute guaranty of payment arises immediately upon the failure of the principal debtor to pay at maturity,\u201d id., the parties to the present guaranty agreement have no current obligation to make any payment to Bank of America relating to the loan agreement. As a result, to the extent that the trial court\u2019s decision to grant summary judgment in Plaintiffs\u2019 favor rested upon the understanding that Dr. Cottrell\u2019s decision to sign the guaranty agreement rendered him jointly liable on the underlying obligation created by the loan agreement, that decision constituted an error of law.\nc. Individual Liability\nThe principal argument advanced in Plaintiffs\u2019 brief in support of the trial court\u2019s order is a contention that, since Dr. Lanzi and Dr. Cottrell signed the loan agreement in their individual capacities, they are co-borrowers under the loan agreement and are jointly obligated to repay the loan. According to Defendant, however, Dr. Lanzi and Dr. Cottrell signed the loan agreement as agents of College Road instead of in their individual capacities. As a result of the fact that the record demonstrates the existence of a genuine issue of material fact concerning the capacity in which Dr. Lanzi and Dr. Cottrell signed the loan agreement, we conclude that the trial court erred by granting summary judgment in favor of Plaintiffs and against Dr. Cottrell with respect to the contribution issue and that this issue needs to be decided after a full trial on the merits.\nAccording to N.C. Gen. Stat. \u00a7 25-3-402(b):\n(1) If the form of the signature shows unambiguously that the signature is made on behalf of the represented person who is identified in the instrument, the representative is not hable on the instrument.\n(2) Subject to subsection (c) of this section, if (i) the form of the signature does not show unambiguously that the signature is made in a representative capacity, or (ii) the represented person is not identified in the instrument, the representative is liable on the instrument to a holder in due course that took the instrument without notice that the representative was not intended to be liable on the instrument. With respect to any other person, the representative is liable on the instrument unless the representative proves that the original parties did not intend the representative to be liable on the instrument.\nAlthough the Supreme Court has clearly stated that, \u201cwhen the issue to be decided is the intent of a party, the general rule is that it is a question of fact to be determined by a jury,\u201d United Labs., Inc. v. Kuykendall, 322 N.C. 643, 663, 370 S.E.2d 375, 388 (1988), that rule is modified in cases involving negotiable instruments by N.C. Gen. Stat. \u00a7 25-3-402(b), which provides that the signatory to a negotiable instrument is liable to a holder in due course unless his or her signature unambiguously shows that it was made in the person\u2019s representative capacity or the represented party is not named in the instrument and that the signatory of such an instrument is liable to anyone else other than a holder in due course unless he or she demonstrates that the original parties did not intend for the representative party to be liable on the instrument. As a result, in cases in which the party seeking to hold a signatory hable on the instrument is a person or entity other than a holder in due course, \u201c[t]he presumption is that nothing else appearing, a person who signs his or her name on the right-hand bottom comer of the face of a promissory note is a maker of that note and is primarily liable thereon.\u201d Federal Land Bank of Columbia v. Lieben, 86 N.C. App. 342, 346, 357 S.E.2d 700, 703 (1987). However, \u201cthis presumption may be rebutted by parol evidence that the signer of the note is a surety and that the creditor knew at the time he received the note that the signer of the note was signing as a surety.\u201d Id. Thus, although \u201cone who places his unqualified signature on an instrument as maker or indorser will not be able to escape liability as such by a mere assertion that he intended to sign only as the representative of a corporation of which he is an officer or director,\u201d Keels v. Turner, 45 N.C. App. 213, 217, 262 S.E.2d 845, 847, disc. review denied, 300 N.C. 197, 269 S.E.2d 264 (1980), Dr. Cottrell is entitled to attempt to rebut the presumption that he signed the note as a maker with parol or other evidence.\nAs Plaintiffs correctly note, the signatures of Dr. Lanzi and Dr. Cottrell on the loan document appear in the section in which the borrower or borrowers were supposed to sign and do not unambiguously reflect that the two men signed the loan agreement in a solely representative, rather than an individual, capacity. In addition, Dr. Lanzi asserted in his affidavit that the loan agreement was executed by Dr. Cottrell and himself \u201cwith the understanding and agreement that [the parties] would be responsible for contributing one-half of the payment of the loan amount due.\u201d On the other hand, the loan agreement unambiguously named College Road as the sole borrower without providing any indication that either Dr. Lanzi or Dr. Cottrell, whose names only appear on the signature line, had executed the loan agreement in their individual capacities. Moreover, the sole borrower named in the loan modification agreement, which only Dr. Lanzi signed, was College Road. Finally, the sole borrower named in the final disbursement notification, which Dr. Lanzi signed in his capacity as a \u201cmember,\u201d was College Road. In his affidavit, Dr. Cottrell asserted that the parties signed the loan agreement and the final disbursement statement \u201cas owners and on behalf of College Road.\u201d Finally, Plaintiffs counsel stated at the summary judgment hearing that their clients did not \u201ccontest that the borrower under the loan is the PLLC.\u201d As a result; a simple examination of the contents of the various loan and loan-related documents, the parties\u2019 affidavits, and the comments made by the parties\u2019 counsel at the summary judgment hearing suggest the existence of a genuine issue of material fact concerning the capacity in which Dr. Lanzi and Dr. Cottrell signed the loan agreement.\nOur conclusion that Dr. Cottrell forecast sufficient evidence to demonstrate the existence of a genuine issue of material fact concerning the extent to which he and Dr. Lanzi signed the loan agreement in a representative or an individual capacity is bolstered by a number of other factors. For example, the undisputed record evidence establishes that College Road made all of the payments required under the loan agreement, that the amortization schedule provided by Bank of America listed College Road as the sole borrower, and that the additional guarantee provided by LaWe Holdings was secured \u201c[f]or the purpose of inducing Bank of America ... to make, extend and renew a loan\u201d made on behalf of a borrower elsewhere identified as College Road. In addition, the record clearly reflects that both Dr. Lanzi and Dr. Cottrell executed a guaranty agreement intended to secure the loan. As we have already noted, \u201c[a] guaranty is a promise to answer for the payment of a debt or the performance of some duty in the event of the failure of another person who is himself primarily liable for such payment or performance.\u201d Branch Banking & Trust Co., 301 N.C. at 52, 269 S.E.2d at 122; see also Investment Properties v. Norburn, 281 N.C. 191, 195, 188 S.E.2d 342, 345 (1972) (stating that obligations arising out of guaranty agreements are \u201cseparate and independent of the obligation of the principal debtor\u201d); EAC Credit Corp. v. Wilson, 281 N.C. 140, 146, 187 S.E.2d 752, 756 (1972) (stating that \u201c[decisions of [the Supreme] Court [have] treat[ed] the obligation of a guarantor of payment separate and distinct from that of the maker\u201d on the theory that the \u201c \u2018contract of guaranty is [the guarantors\u2019] own separate contract jointly and severally to pay the debts\u2019 \u201d and that guarantors \u201c \u2018are not in any sense parties to the [note].\u2019 \u201d (final alteration in original) (quoting Arcady Farms Milling Co. v. Wallace, 242 N.C. 686, 689, 89 S.E.2d 413, 415 (1955)); Sykes v. Everett, 167 N.C. 600, 608, 83 S.E. 585, 590 (1914) (holding \u201cthat a surety is considered as a maker of the note [while] a guarantor is never a maker\u201d). As this Court has previously noted, \u201c \u2018where individual responsibility is demanded, the nearly universal practice in the commercial world is that the corporate officer signs twice, once as an officer and again as an individual.\u2019\u201d Keels, 45 N.C. App. at 218, 262 S.E.2d at 847 (quoting 19 Am. Jur. 2d Corporations \u00a7 1343 (1965)). In light of that logic, a reasonable finder of fact could conclude that the signatures of Dr. Lanzi and Dr. Cottrell on the loan agreement were affixed in their capacity as officers of College Road and that their signatures on the guaranty agreement were affixed in their individual capacity. As a result, after \u201creview[ing] the record in the light most favorable to the non-moving party,\u201d Broughton, 161 N.C. App. at 26, 588 S.E.2d at 25, we hold that there is a genuine issue of material fact with respect to the issue of whether the parties, including Bank of America, intended that Dr. Lanzi and Dr. Cottrell signed the loan agreement in their representative or individual capacities and that the trial court erred to the extent that it entered summary judgment in favor of Plaintiffs with respect to the contribution issue on the basis of a determination that Dr. Cottrell signed the loan agreement in his individual, rather than a representative, capacity.\n2. Uniust Enrichment Claim\nThe second claim asserted in Plaintiffs\u2019 complaint sounded in unjust enrichment. \u201cThe general rule of unjust enrichment is that where services are rendered and expenditures made by one party to or for the benefit of another, without an express contract to pay, the law will imply a promise to pay a fair compensation therefor,\u201d Atlantic Coast Line R.R. Co. v. State Highway Comm\u2019n, 268 N.C. 92, 95-96, 150 S.E.2d 70, 73 (1966), with the availability of an unjust enrichment remedy \u201c \u2018based upon the equitable principle that a person should not be permitted to enrich himself unjustly at the expense of another.\u2019\u201d Hinson v. United Fin. Servs., Inc., 123 N.C. App. 469, 473, 473 S.E.2d 382, 385 (quoting Atlantic Coast Line R.R. Co., 268 N.C. at 96, 150 S.E.2d at 73), disc. review denied, 344 N.C. 630, 477 S.E.2d 39 (1996). On the other hand, \u201c[t]he hallmark rule of equity is that it will not apply \u2018in any case where the party seeking it has a full and complete remedy at law,\u2019 \u201d id. (quoting Jefferson Standard Ins. Co. v. Guilford Cnty., 225 N.C. 293, 300, 34 S.E.2d 430, 434 (1945)), which means that, \u201c[w]here, as here, there is a contract which forms the basis for a claim, \u2018the contract governs the claim and the law will not imply a contract.\u2019 \u201d Id. (quoting Booe v. Shadrick, 322 N.C. 567, 570, 369 S.E.2d 554, 556 (1988)); see also Whitfield v. Gilchrist, 348 N.C. 39, 42, 497 S.E.2d 412, 415 (1998) (holding that \u201c[o]nly in the absence of an express agreement of the parties will courts impose a [quasi-contract] or a contract implied in law in order to prevent an unjust enrichment\u201d); Vetco Concrete Co. v. Troy Lumber Co., 256 N.C. 709, 713, 124 S.E.2d 905, 908 (1962) (holding that \u201c [i]t is a [well-established] principle that an express contract precludes an implied contract with reference to the same matter\u201d). In light of the principle that unjust enrichment relief is not available in instances governed by an express contract, Defendants argue that the \u201ccontractual relationship between the Company and the Bank concerning the Loan to the Company, and the separate contractual relationship between the Bank and the [guarantors] on the Guaranty, are clearly defined and governed by said respective, express agreements.\u201d Defendants\u2019 argument has merit.\nAs an initial matter, we have no hesitation in concluding that the loan agreement constitutes a \u201ccontract which forms the basis for [Plaintiffs\u2019] claim.\u201d Hinson, 123 N.C. App. at 473, 473 S.E.2d at 385. In addition, the loan agreement clearly governs the rights and responsibilities of all of the parties to that instrument with respect to the loan payment process. More specifically, the loan agreement provides that \u201c[t]he liability of Borrower and each Guarantor hereunder is joint and several. . . upon an Event of Default hereunder.\u201d Although there is, as we have previously determined, a material factual dispute over the extent to which Dr. Lanzi and Dr. Cottrell are individually liable as borrowers and although the failure of payment necessary to trigger the obligation of the guarantors to make payment has clearly not yet occurred, there is no question but that the loan agreement makes each borrower jointly and severally liable for the entire amount of the resulting indebtedness. Similarly, as we have previously noted, the loan agreement provides that, in the event that the borrowers fail to make any payment required under the loan agreement, the guarantors become liable for the full amount owed. \u201cIf a principal obligation is guaranteed by two or more persons, each must pay the proportional share of the liability, and a guarantor who has paid more than his or her share is entitled to contribution from the others and may sue to enforce that right.\u201d 38 Am. Jur. 2d Guaranty \u00a7 100 (2010). As a result, since the. loan agreement, when read in conjunction with applicable principles of North Carolina law, fully governs the relationship between the parties concerning the extent, if any, to which they are hable for any indebtedness arising under that instrument, the trial court erred to the extent that it entered summary judgment in Plaintiffs\u2019 favor and failed to enter summary judgment in Defendants\u2019 favor with respect to the unjust enrichment claim asserted in Plaintiffs\u2019 complaint.\nIII. Conclusion\nThus, for the reasons set forth above, we conclude that the trial court erred by granting summary judgment in favor of Plaintiffs, by failing to grant summary judgment in favor of Ms. Cottrell with respect to Plaintiffs\u2019 contribution claim, and by failing to grant summary judgment in favor of Defendants with respect to Plaintiffs\u2019 unjust enrichment claim. As a result, the trial court\u2019s order should be, and hereby is, reversed and this case should be, and hereby is, remanded to the New Hanover County Superior Court for further proceedings not inconsistent with this opinion.\nREVERSED and REMANDED.\nJudges ROBERT N. HUNTER, JR. concurred in this opinion prior to 6 September 2014.\nJudge DAVIS concurs.\n. LaWe Holdings, LLC, an entity in which Dr. Lanzi and Dr. Weedon were involved, became involved in this series of transactions as an additional guarantor on 28 October 2009.\n. In view of the fact that the trial court did not specifically delineate whether it found in favor of Plaintiffs on the basis of a contribution theory, an unjust enrichment theory, or both, we must analyze the validity of both of the theories set out in Plaintiffs\u2019 complaint in order to determine whether the trial court\u2019s order should be affirmed or reversed.\n. In their brief, Plaintiffs emphasize the fact that Dr. Cottrell\u2019s withdrawal from the practice constituted an incident of default under the loan agreement. Although Plaintiffs\u2019 assertion is clearly correct as a factual matter, the record contains no indication that Bank of America has actually declared the loan in default. In addition, the liability of the guarantors is triggered by nonpayment rather than the occurrence of any incident of default. As a result, the fact that Dr. Cottrell\u2019s withdrawal from the practice constituted an incident of default under the loan agreement has no bearing on the proper resolution of this case.\n. Although Plaintiff correctly notes that Bank of America appears to be a holder in due course as defined in N.C. Gen. Stat. \u00a7 25-3-402(a), that fact has no bearing on the proper resolution of this case given that Bank of America has not attempted to enforce the note and is not a party to this action. As a result of the fact that College Road, Dr. Lanzi, and Ms. Lanzi do not hold the loan agreement, they cannot, by definition, be holders in due course, rendering the provisions of N.C. Gen. Stat. \u00a7 25-3-402(b) applicable to claims asserted on behalf of holders in due course irrelevant to a proper resolution of this case.\n. In view of the fact that the evidence concerning the intention with which Dr. Lanzi and Dr. Cottrell signed the loan agreement conflicts, we need not comment upon the absence of any evidence concerning the intentions with respect to this issue that Bank of America, which was clearly one of the \u201coriginal parties,\u201d N.C. Gen. Stat. \u00a7 25-3-402(b)(2), may have had.\n. The same logic defeats Defendants\u2019 contention that the trial court erred by failing to enter summary judgment in their favor with respect to Plaintiffs\u2019 contribution claim. As a practical matter, the fact that the signatures of Dr. Lanzi and Dr. CottreE on the loan agreement were not unambiguously made in their representative, rather than their individual, capacities coupled with the statement in Dr. Lanzi\u2019s affidavit to the effect that the parties contemplated that they would be equaEy responsible for repaying the loan amount would suffice to permit a trier of fact to conclude that Dr. CottreE signed the loan agreement as a maker and was subject to individual EabiEty for the resulting indebtedness.\n. In their brief, Plaintiffs failed to respond to this aspect of Defendants\u2019 challenge to the lawfulness of the trial court\u2019s order. Instead, their brief makes clear that the unjust enrichment claim was asserted in the alternative in the event that their contribution claim did not succeed.\n. As this Court has previously stated, \u201c[w]hen joint and several liability is imposed, \u2018each liable party is individually responsible for the entire obligation.\u2019\u201d In re D.A.Q., 214 N.C. App. 635, 539, 715 S.E.2d 509, 512 (2011) (quoting Black\u2019s Law Dictionary 997 (9th ed. 2009)). Thus, in instances involving joint and several liability, \u2018\u201cthe liability of each defendant is not necessarily dependent upon the liability of any other defendant, and [the] plaintiff may be made whole by a full recovery from any defendant.\u2019\u201d Harlow v. Voyager Commc\u2019ns V, 348 N.C. 568, 572, 501 S.E.2d 72, 74 (1998) (quoting 10 James W. Moore et al., Moore\u2019s Federal Practice \u00b6 55.25, at 55-46 (3d ed. 1997)). As a result, given that \u201c[contribution is generally defined as the right of one who has discharged a common liability or burden to recover of another also liable [the fractional] portion which he ought to pay or bear,\u201d Irvin, 122 N.C. App. at 501, 470 S.E.2d at 337 (alteration in original), a person who has paid a disproportionate share of a debt is entitled to contribution from any other person who was jointly and severally liable for the payment of that debt.", "type": "majority", "author": "ERVIN, Judge." } ], "attorneys": [ "Marshall, Williams & Gorham, LLP, by John L. Coble, for Plaintiffs.", "Law Offices of G. Grady Richardson, Jr., PC., by G. Grady Richardson, Jr., for Defendants." ], "corrections": "", "head_matter": "COLLEGE ROAD ANIMAL HOSPITAL, PLLC; PHILLIP LANZI and JAMIE LANZI, Plaintiffs v. JON KEDRICK COTTRELL and JULIE COTTRELL, Defendants\nNo. COA14-29\nFiled 16 September 2014\n1. Loans\u2014contribution\u2014loan current\u2014no liability under guaranty agreement\nThe trial court erred in a loan payment dispute by entering summary judgment in favor of plaintiffs on the basis of a contribution theory. The loan at issue was current so defendants were not liable for any amount owed to Bank of America under the loan agreement as a result of their signing the guaranty agreement.\n2. Loans\u2014capacity in which loan documents signed\u2014genuine issue of material fact\nThe trial court erred in a loan payment dispute by entering summary judgment in favor of plaintiffs. There was a genuine issue of material fact concerning the capacity in which plaintiff Dr. Lanzi and defendant Dr. Cottrell signed the loan agreement.\n3. Loans\u2014unjust enrichment\u2014express contract\u2014relief governed by contract\nThe trial court erred in a loan payment dispute by entering summary judgment in favor of plaintiffs on the theory of unjust enrichment. Unjust enrichment relief is not available in instances governed by an express contract. The loan agreement in this case, when read in conjunction with applicable principles of North Carolina law, fully governed the relationship between the parties concerning the extent, if any, to which they were liable for any indebtedness arising under that instrument.\nAppeal by defendants from order entered 11 September 2013 by Judge Paul L. Jones in New Hanover County Superior Court. Heard in the Court of Appeals 5 June 2014.\nMarshall, Williams & Gorham, LLP, by John L. Coble, for Plaintiffs.\nLaw Offices of G. Grady Richardson, Jr., PC., by G. Grady Richardson, Jr., for Defendants." }, "file_name": "0259-01", "first_page_order": 267, "last_page_order": 279 }