U.S. Bank National Association v. Advanced Home Inspection, LLC, et al.

U.S. Bank · United States District Court for the Eastern District of Virginia, Richmond Division · February 26, 2026 · No. 3:23CV543 (RCY)

Summary

The United States District Court for the Eastern District of Virginia considers U.S. Bank National Association’s renewed motion for default judgment against Advanced Home Inspection, LLC and Bradley Gamlin. Applying Minnesota substantive law and Virginia procedural law, the court awards contract damages and $8,203.50 in attorneys’ fees and costs, but limits prejudgment interest to January 3, 2025 because the later delay resulted from the plaintiff’s insufficient proof. The motion is granted in part, and an appropriate order is to issue.

Holdings

  1. Under Virginia's conflicts rules, the award and reasonableness of attorneys' fees are procedural issues governed by Virginia law.
  2. Plaintiff was entitled to $8,203.50 in attorneys' fees and costs, but not the $1,120.50 incurred to correct deficiencies in its initial default-judgment motion.
  3. Plaintiff established entitlement to $95,760.54 in breach-of-contract damages.
  4. Prejudgment interest was available at the contracted-for rate of 12% per year, but the award was limited to interest accruing through January 3, 2025.

Questions Presented

  1. Whether Plaintiff provided sufficient evidence to support a default judgment for the requested contract damages.
  2. Whether the requested attorneys' fees and costs were reasonable under Virginia law.
  3. Whether prejudgment interest was available under Minnesota law and, if so, through what date it should accrue.
  4. Which state's law governed the reasonableness of the attorneys' fees and default damages, including prejudgment interest.

Disposition

other

Cases Cited (24)

  • Ryan v. Homecomings Fin. Network, 253 F.3d 778, 780 (4th Cir. 2001)(followed)
  • Colgan Air, Inc. v. Raytheon Aircraft Co., 507 F.3d 270, 275 (4th Cir. 2007)(followed)
  • Klaxon Co. v. Stentor Elec. Mfg. Co., 313 U.S. 487, 496 (1941)(followed)
  • Hatfill v. N.Y. Times Co., 459 F. Supp. 2d 462, 465 (E.D. Va. 2006)(followed)
  • Clark v. Clark, 398 S.E.2d 82, 89 (Va. Ct. App. 1990)(followed)
  • Hooper v. Musolino, 364 S.E.2d 207, 211 (1988)(followed)
  • RMS Tech., Inc. v. TDY Indus., 64 F. App’x 853, 857 (4th Cir.)(followed)
  • Hitachi Credit Am. Corp. v. Signet Bank, 166 F.3d 614, 624 (4th Cir. 1999)(followed)
  • JTH Tax, LLC v. Manzo, 2025 U.S. Dist. LEXIS 141357, at *2 (E.D. Va. July 23, 2025)(followed)
  • Brant v. Schneider, 2024 WL 2713307, at *3 (Va. Ct. App. May 28, 2024)(followed)

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