Randall and Jermica Versey appeal from the order of the State Court of Gwinnett County which granted summary judgment to Citizens Trust Bank on its complaint to recover a deficiency judgment following the repossession and sale of the collateral which secured its loan, the Verseys’ automobile. The Verseys contend the evidence does not support, as a matter of law, the court’s finding that the Bank disposed of the collateral in a commercially reasonable manner or that the bank gave the Verseys the requisite notice of its intent to pursue a deficiency judgment. For the following reasons, we affirm in part and reverse in part. To prevail on a motion for summary judgment, the moving party must demonstrate that there is no genuine issue of material fact, and that the undisputed facts, viewed in a light most favorable to the party opposing the motion, warrant judgment as a matter of law. Our review of a grant of summary judgment is de novo, and we view the evidence and all reasonable inferences drawn from it in the light most favorable to the nonmovant. Citations and punctuation omitted. Endsley v. Robins Fed. Credit Union , 267 Ga. App. 512 600 SE2d 441 2004. So viewed, the supplemental affidavit1 of the bank’s collection manager, Daniel Hughlett, reveals that, on December 29, 2006, the Verseys entered into a security agreement with the bank wherein the bank financed the Verseys’ purchase of an automobile. About a year and a half later, the Verseys defaulted on the agreement. On August 23, 2008, the bank repossessed the Verseys’ car from their home at 3855 Michaels Creekway in Loganville, where Randall Versey handed the keys to the repossession agent. Two days later, the bank sent a certified letter to the Verseys at that same home address, which was the Verseys’ address of record with the bank. In the letter, the bank advised the Verseys of their redemption and sale rights and of the bank’s intent to seek a deficiency balance. The Verseys did not tender the balance nor did they make a request for a public sale. Thereafter, the bank sent the car to Manheim Auto Auction, which has been in the wholesale auto auction business for 60 years, to appraise and to auction the car. Manheim appraised the car’s value at $13,750 and gave it an NAAA grade of “4.0, Clean.” After making minor repairs to the car, Manheim offered it at auction. Despite three auction efforts, Manheim received no bids. The bank then sold the car to CarMax for CarMax’s appraised price of $14,000. Hughlett stated that the procedure employed to sell the car, which included generating the business records that he attached to his affidavit, was in conformity with commercial practices of wholesale automobile dealers. The bank applied the sale proceeds to the Verseys’ accelerated balance to obtain the deficiency amount, $17,414.96. The Verseys’ sales contract and records supporting the default and balance owed as well as evidence of the bank’s title to the secured collateral were also submitted as business records and considered by the court. Based upon this evidence, the bank moved for summary judgment and, after a hearing, the court granted the bank’s motion.
1. The Verseys contend the court erred in finding that the bank properly notified them of its intent to seek a deficiency judgment following the repossession of the car.
