Doyle, Presiding Judge. These appeals arise from tort and contract claims brought by Sadie and Davis Montgomery against Brimar Enterprises, LLC (“Brimar”), and its sole member, William Hairston (collectively, “the Defendants”), relating to the Defendants’ involvement in refinancing the Montgomerys’ home, which was pending foreclosure. The trial court entered a default judgment against Brimar and later granted summary judgment against Hairston. In Case No. A24A0691, Brimar appeals from the default judgment, and in Case No. A24A1055, Hairston appeals from the grant of summary judgment.[1] For the reasons that follow, we affirm in both cases. The record reflects that the Montgomerys are an elderly[2] couple who have lived at their home in Powder Springs, Georgia, since 1997. In August 2019, the Montgomerys had fallen behind on their mortgage[3] and were facing foreclosure. Having seen the Montgomerys’ home in the foreclosure listings, Hairston contacted them and offered to help reinstate their mortgage. Hairston told the Montgomerys that he lived one mile away, that he was a Christian, and that he helped people in the Montgomerys’ situation. The Montgomerys asked Hairston whether, in accepting his assistance, they would maintain title to their home in order to leave it to their children, and Hairston assured them that they would. After agreeing to accept Hairston’s assistance, the Montgomerys were directed by Hairston to sign documents that they believed to comprise a mortgage reinstatement loan.[4] The documents that the Montgomerys signed consisted of a promissory note purportedly made between the Montgomerys and Hairston d/b/a Brimar and one of two versions of a quitclaim deed purporting to convey the Montgomerys’ home to Hairston d/b/a Brimar.[5] The Montgomerys also received a loan agreement purportedly made between the Montgomerys as borrowers and Hairston d/b/a Brimar as lender. The loan agreement contained in the record does not bear the Montgomerys’ signatures. The promissory note identifies the Montgomerys as owners of the subject property, but it does not set forth any specific loan amount, interest rate, installment amount, or payment period. Instead, the document states that the Montgomerys are to pay Brimar “the dollar amount equal to the amount of the proceeds from the sale” of the subject property. No sale of the property actually occurred, and there were no such proceeds.[6] The loan agreement states that the Defendants were to loan the Montgomerys $165,000 to be repaid at 6.25 percent interest for a 30-year term, with monthly installments of $992.50 starting September 1, 2019, and ending August 1, 2049. The document identifies the Montgomerys’ home as security and references the purchase of the home from the Montgomerys by the Defendants, stating that the Defendants would retain title to the home until the loan was repaid in full, at which point the Defendants would return title to the Montgomerys. The document further states that in the event of default, the Defendants could demand all outstanding principal and interest, and if the Montgomerys failed to satisfy such demand within ten days, the Defendants would be entitled to repossess the home. The Defendants never gave the Montgomerys $165,000, nor did they pay off the Montgomerys’ existing mortgage with such an amount. The first page of the unrecorded quitclaim deed provided to the Montgomerys is identical to the first page of the recorded quitclaim deed, aside from the recordation file stamp. In both versions, the stated effect of the document is to convey title of the Montgomerys’ home to the Defendants for $1 in consideration. Hairston initially signed the second page of the unrecorded quitclaim deed as grantor, but after realizing this, he directed the Montgomerys to sign as grantors on the second page of the quitclaim deed that was recorded. The Montgomerys gave Hairston third-party authorization to make payments on their behalf to their mortgage servicer, and Brimar paid $9,866.81 to reinstate their mortgage, proof of which was provided to the Montgomerys. The Montgomerys began making monthly payments of $992.50 to Hairston in September 2019. At that time, the monthly installment amount under the Montgomerys’ existing mortgage was $673.24.[7] From September 2019 to May 2021, the Montgomerys paid Hairston $992.50 monthly with the understanding that part of each payment would cover their existing mortgage installments, while the rest would go towards repayment of the $9,866.81 mortgage reinstatement loan. Meanwhile, the Montgomerys continued to live in their home. In October 2019, the Defendants received a notice indicating that inoperable and/or unregistered vehicles were present at the subject property, which Hairston forwarded to the Montgomerys. The notice indicated that the property and/or the Defendants were potentially in violation of the county code but did not reference the Montgomerys. Additionally, prior to 2020, tax bills for the property had been sent to the Montgomerys and included senior homestead exemptions, but starting in 2020, the bills were sent to the Defendants and no longer reflected these exemptions. In April 2021, the Montgomerys received a notice from their mortgage servicer indicating that their existing monthly mortgage payments would increase from $616.13 to $844.29 effective June 2021. The Montgomerys learned that this increase was due to the removal of their senior homestead exemptions when the Defendants’ recorded the quitclaim deed, which alerted them that title to their home was at issue. In May or June 2021, Hairston notified the Montgomerys that, due to the increase in their existing monthly mortgage payments, their monthly payments to the Defendants would increase to $1,220.66.[8] Hairston told the Montgomerys that the Defendants owned the Montgomerys’ home and that unless they paid the increased monthly amount, Hairston would sell the property and force the Montgomerys to find another place to live. The Montgomerys paid the Defendants the increased amount once in June 2021. But when the Montgomerys did not pay this amount again in July 2021, Hairston sent the Montgomerys a letter stating that they were in default of the loan agreement and that unless they corrected the default within ten days, they would have to either repay the outstanding loan balance of $160,251.37 or face eviction. The Montgomerys contacted the police and reported that the Defendants had appropriated title to their home under the pretext of helping them avoid foreclosure. The investigating officer, Pedro Munoz, interviewed the Montgomerys, reviewed the relevant documents, and spoke to Hairston over the phone. Munoz invited Hairston to give an interview, which Hairston declined. Based on his investigation, training, experience, and professional judgment, and independent of any request by the Montgomerys, Munoz applied for, and was granted, an arrest warrant for Hairston charging two counts of felony elder exploitation pursuant to OCGA § 16-5-102 (a). Hairston was arrested and made bond.[9] Thereafter, the Montgomerys filed the underlying suit against the Defendants, alleging claims of fraud; exploitation of elder persons pursuant to OCGA §§ 16-5-102, 51-1-6, and 51-1-8; violations of the Georgia Residential Mortgage Act (“GRMA”), pursuant to OCGA §§ 7-1-1000 et seq., 51-1-6, and 51-1-8, against Brimar; and requested to set aside the quitclaim deed under OCGA § 23-2-2, for declaratory judgments that the quitclaim deed was not recordable and that the loan was unenforceable, or alternatively, for reformation or creation of a constructive trust. Hairston and Brimar answered (1) raising affirmative defenses, (2) asserting counterclaims for breach of contract, unjust enrichment, or quantum meruit on behalf of Brimar, false arrest and malicious prosecution on behalf of Hairston; and (3) requesting a judicial lien or eviction as to Brimar, punitive damages, and attorney fees. The Montgomerys later amended their complaint to add claims under the Fair Business Practices Act (“FBPA”), OCGA § 10-1-390 et seq., and the Unfair or Deceptive Practices Toward the Elderly Act (“UDPTEA”), OCGA § 10-1-850 et seq. The Montgomerys filed their complaint against the Defendants on August 19, 2021. Hairston is the owner, sole member, and registered agent of Brimar. Brimar’s registered address is 3900 Hemingway Drive, Powder Springs, Georgia 30127.[10] The Montgomerys repeatedly attempted to serve the Defendants at this address to no avail.[11] The Montgomerys then served Brimar through substitute service on the Secretary of State pursuant to OCGA § 14-11-209 (f), the acknowledgment of which was filed on October 25, 2021. The Defendants filed their joint answer and counterclaims on December 9, 2021.[12] Based on Brimar’s untimely answer and failure to pay costs, the Montgomerys filed a motion to strike the answer of, and for default judgment against, Brimar. Brimar responded and moved to open the default, but persisted in its failure to pay costs.[13] By written order, the trial court granted default against Brimar, struck its answer, and denied its motion to open the default, finding that Brimar had answered 45 days after service had been perfected and failed to pay costs as required by OCGA § 9-11-55 (b). Brimar appeals from this order in Case No. A24A0691. Meanwhile, discovery proceeded, and Hairston invoked the Fifth Amendment consistently throughout written discovery and at his deposition, refusing to answer questions about his interactions with the Montgomerys, the documents associated with the transaction, and the circumstances allegedly giving rise to his counterclaims against them.[14] Hairston deposed that while he claimed no interest in the subject property or purported contract with the Mongtomerys, Brimar claimed such an interest. The Montgomerys moved for summary judgment on their claims and Hairston’s counterclaims. Hairston responded with an affidavit that purported to exonerate him from any wrongdoing in his transaction with the Montgomerys. The affidavit confirmed that upon learning that the Montgomerys were facing foreclosure, Hairston contacted them and told them that he could help them save their home. Hairston portrayed this assistance as being limited to the mortgage reinstatement loan but acknowledged that he had the Montgomerys sign a quitclaim deed.[15] The affidavit did not dispute that the Defendants had never given the Montgomerys $165,000 under the purported loan agreement but stated that Hairston had told the Montgomerys that if they defaulted on this loan, Hairston would take the property. Hairston also attested that in July 2021, he mailed them a notice of default, which stated that they had ten days to cure such default. The trial court granted summary judgment, finding that Hairston had not controverted the evidence supporting the Montgomerys’ claims and failed to submit evidence supporting his counterclaims. Specifically, the trial court found that because the promissory note did not specify a loan amount or loan terms, it was too vague to be enforceable. The trial court also found the loan agreement unenforceable because there was no evidence that it was signed by the Montgomerys or that the Defendants ever loaned them $165,000. As to the quitclaim deed, the trial court found that Hairston had disclaimed any interest in title to the Montgomerys’ home and that, even if he had not, the deed was a nullity because the undisputed evidence showed that it was not intended to effect an absolute conveyance of the home. Further, because Hairston had misrepresented the transaction as a mortgage reinstatement loan when in fact it was a mechanism whereby Hairston purported to acquire title to the Montgomerys’ home, and because Hairston had failed to provide the Montgomerys with the disclosures required by OCGA § 10-1-393 (b) (20) (C) in connection with the purchase of a home, the trial court found that Hairston had engaged in unfair or deceptive acts or practices in violation of the FBPA. Because the Montgomerys were both over the age of 60 at the time of the subject transaction,[16] the trial court found that Hairston’s FBPA violations were committed against elder persons, giving rise to liability and penalties under the UDPTEA.[17] The trial court granted partial summary judgment on Hairston’s liability as to the Montgomerys’ FBPA and UDPTEA claims, leaving open the issue of damages. As to Hairston’s counterclaims for false arrest and malicious prosecution, the trial court found that Hairston had failed to establish a lack of probable cause for his arrest and prosecution and that the Montgomerys had not initiated criminal proceedings against him maliciously. The trial court found that the testimony in Munoz’s affidavit stating that he had decided to arrest Hairston based on his investigation of the matter and independent of any requests by the Montgomerys was uncontroverted. As to Hairston’s false prosecution counterclaim, the trial court also found that the proceedings had not terminated in Hairston’s favor. The trial court granted summary judgment against Hairston’s IIED counterclaim based on a finding that the Montgomerys’ conduct towards Hairston, which consisted of pursuing legal recourse to protect their home by calling the police and filing a civil lawsuit, did not constitute extreme or outrageous conduct. The trial court also found that Hairston had failed to introduce evidence of severe emotional distress, citing Hairston’s deposition testimony that he did not need professional help to deal with his alleged distress and that, despite such distress, he was “straight mentally” and “focused mentally.” Hairston appeals from this order in Case No. A24A1055, which we address first. Case No. A24A1055 OCGA § 9-11-56 (c) provides that summary judgment is appropriate “if the 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 the moving party is entitled to judgment as a matter of law[.]” “ A de novo standard of review applies to an appeal from a grant of summary judgment, and we view the evidence, and all reasonable conclusions and inferences drawn from it, in the light most favorable to the nonmovant.”[18] 1. Hairston first contends that the trial court erred by ruling on the Montgomerys’ summary judgment motion because the case was stayed pending Brimar’s appeal. This contention lacks merit. The case against Hairston was not stayed by Brimar’s appeal. “A notice of appeal divests the trial court of jurisdiction to supplement, amend, alter, or modify the judgment while the appeal of that judgment remains pending.”[19] Brimar’s notice of appeal from the entry of default judgment automatically deprived the trial court of jurisdiction to act in relation to that judgment. “However, matters which are independent of and distinct from the judgment on appeal remain within the jurisdiction of the trial court. The notice of appeal does not deprive the trial court of jurisdiction as to other matters in the same case not affecting the judgment on appeal.”[20] Whether summary judgment was appropriate as to Hairston is independent of whether default judgment was proper as to Brimar — the judgment on appeal. A default judgment as to one defendant does not prevent a trial court from deciding separate issues of liability as to another defendant.[21] Brimar’s notice of appeal did not act as a supersedeas of the trial court’s jurisdiction over Hairston, as to whom the case was still pending. Accordingly, the trial court did not err in making summary judgment determinations as to Hairston, despite the pendency of Brimar’s appeal. 2. Hairston next contends, in two related enumerations of error, that summary judgment against Hairston was improper because the trial court either misapplied the summary judgment standard or ignored genuine issues of material fact. We disagree. (a) Loan Agreement. Viewed in the light most favorable to Hairston, the uncontroverted evidence shows no enforceable loan agreement between Hairston and the Montgomerys. The Montgomerys signed the promissory note, which references a loan, but the document fails to identify a loan amount or any loan terms, such as the interest rate, payment amount, or payment period. “Every essential element of a contract must be stated. . . . A loan agreement which fails to specify an interest rate is unenforceable.”[22] Moreoever, the promissory note obligates the Montgomerys to pay an amount equal to the proceeds from a sale of their home, a sale that never occurred.[23] “Where the promise to pay is contingent upon the occurrence of a future event as well as the arrival of a future time, it is not an unconditional promise to pay until the issue of fact — whether or not the event will take place — can be determined with reasonable certainty.”[24] Thus, even assuming that the promissory note was enforceable, the promise to pay was contingent on an event that did not occur, and therefore, the Montgomerys had no obligation to pay under this provision. The loan agreement purports to supply the key terms missing from the promissory note, including a loan amount of $165,000, an annual interest rate of 6.25 per cent, a monthly payment of $992.50, and a 30-year payment period. Critically, however, while there is evidence that the Montgomerys received this document, there is no evidence that they signed it. “To create a valid and enforceable contract against . . . property owners, their assent to the alleged contractual terms . . . normally would be required.”[25] Even assuming that the Montgomerys had signed or otherwise assented to the loan agreement, the undisputed record reflects that the $165,000 was never advanced. Such payment was a condition precedent to the enforceability of the loan agreement.[26] The trial court correctly found that there was no enforceable loan between Hairston and the Montgomerys, and thus properly granted summary judgment against Hairston on this issue. (b) Fraud. “[F]raud has five elements: a false representation by a defendant, scienter, intention to induce the plaintiff[s] to act or refrain from acting, justifiable reliance by [the] plaintiff[s], and damage to [the] plaintiff[s].”[27] Each of these elements is satisfied by the undisputed material record here. Although the record reflects that the Montgomerys signed the quitclaim deed, there is no genuine issue as to the material fact that the Montgomerys understood and intended the transaction with Hairston to be a mortgage reinstatement loan as opposed to a conveyance of title to their home. Hairston represented the transaction as a mortgage reinstatement loan that would allow the Montgomerys to maintain ownership of their home. Hairston gained the Montgomerys’ trust by representing that he was a Christian neighbor who helped people in the Montgomerys’ situation. Hairston confirmed the Montgomerys’ understanding that the transaction was a mortgage reinstatement loan by paying $9,866.81 to reinstate their mortgage and allowing them to continue living in their home. And Hairston provided the Montgomerys with copies of documents, but the only document they signed was the promissory note, which identified them as the owners of the home. Meanwhile, Hairston did not provide the Montgomerys with a copy of the signed quitclaim deed that he recorded. He then proceeded to pay their mortgage for them with their money for nearly two years, taking a $319.25 monthly premium from September 2019 to May 2020, and a $376.37 monthly premium from June 2020 to May 2021, in recoupment of the $9,866.81 in mortgage reinstatement costs. In June 2021, when the Montgomerys’ underlying mortgage payments increased to $844.29 due to the removal of their senior homestead exemptions, which Hairston had caused by recording the purported quitclaim deed, Hairston evidently determined that $148.21 monthly premiums were not a satisfactory way to recover the remaining $2,477.12 in reinstatement costs, so he unilaterally raised the Montgomerys’ monthly payments to $1,220.66, a modification unauthorized by the terms of the transaction documents. Hairston told the Montgomerys that unless they paid the increased monthly amount, he would liquidate the property and evict them. When the Montgomerys paid this increased amount only once before refusing to do so in July 2021, Hairston sent notice to the Montgomerys that they had ten days to correct the default, otherwise they would have to either pay $160,251.37[28] or be evicted. Hairston misrepresented the transaction with the Montgomerys as a mortgage reinstatement loan, when in fact it was a means to acquire title to their home. Hairston’s later statements to the Montgomerys that he owned the property and would evict them if they failed to cure the purported default demonstrate that he knew his initial representations were false. That Hairston specifically intended to induce the Montgomerys to convey title to their home pursuant to his willful misrepresentations is shown by the fact that he first inadvertently signed the quitclaim deed as grantor, but upon realizing this, he had the Montgomerys sign the quitclaim deed as grantors. Hairston gave the Montgomerys reason to rely on his misrepresentations as to the nature of the transaction by telling them that he was trustworthy and helped people in their situation and by assuring them that they would be able to maintain ownership of their home. Finally, the Montgomerys were harmed by Hairston’s misrepresentations in that they lost title to their home, their property taxes and mortgage payments increased, and they suffered emotional and physical turmoil as a result of realizing that they had lost title to their home. The gross inadequacy of the benefit the Montgomerys received from this transaction is further evidence of fraud.[29] The trial court correctly found that, based on Hairston’s representations, the Montgomerys were induced into a transaction they did not knowingly enter into, and that the quitclaim deed was due to be set aside. Accordingly, the trial court properly granted summary judgment against Hairston on these issues. (c) FBPA. As to the Montgomerys’ FBPA claim, the undisputed material record supports the trial court’s grant of partial summary judgment against Hairston on the issue of liability. The FBPA prohibits “[u]nfair or deceptive acts or practices in the conduct of consumer transactions and consumer acts or practices in trade or commerce[.]“[30] The FBPA specifically prohibits “[r]epresenting that moneys provided to or on behalf of a debtor . . . in connection with property used as a dwelling place by said debtor, are a loan if in fact they are used to purchase said property[.]“[31] “[A]ny such misrepresentation upon which is based the execution of a quitclaim deed or warranty deed by that debtor shall authorize that debtor to bring an action . . . to cancel the deed pursuant to . . . [OCGA §] 23-2-60[.]“[32] Hairston represented that the mortgage reinstatement funds provided to the Montgomerys were a loan, when in fact they were used to acquire title to the Montgomerys’ home. Further, in acquiring title to the Montgomerys’ home in this manner, Hairston failed to provide the Montgomerys with required disclosures under OCGA § 10-1-393 (b) (20) (C), including contractual language stating in plain and bold language that the subject transaction was a sale;[33] confirmation, signed by both parties, that the provisions of the agreement had been fully explained to the Montgomerys and that they understood that under the agreement they were selling their home;[34] and a notice as a cover sheet to the closing documents informing the Montgomerys that they had ten days to cancel the purchase.[35] Hairston’s conduct presents harm to the consumer public, and the public interest is served by a judgment against Hairston under the FBPA. Hairston deposed that he has operated several businesses, including two businesses dealing in real estate. He has acquired at least 16 homes through transactions whereby he obtained title to the homes by quitclaim deed and paid little to no consideration. Hairston deposed that he is eager to pursue his real estate business and that the Montgomerys’ lawsuit has prevented him from doing so. Accordingly, the trial court did not err in granting partial summary judgment as to Hairston’s liability under the FBPA.[36] (d) UDPTEA. As to the Montgomerys’ UDPTEA claim, the Montgomerys were both elder persons within the meaning of the UDPTEA.[37] Thus, because all other elements required for an UDPTEA violation are met here as set forth in Division 2 (c) above, the trial court properly granted partial summary judgment as to Hairston’s liability under the UDPTEA.[38] (e) Hairston’s False Arrest and Malicious Prosecution Counterclaims. The trial court correctly granted summary judgment against Hairston’s counterclaims for false arrest and malicious prosecution. The essential elements of a claim for false arrest are: “An arrest under the process of law, without probable cause, when made maliciously[.]“[39] “In such an action, it is also essential to show that the prosecution terminated in favor of the [arrestee].”[40] The required elements for malicious prosecution are: “A criminal prosecution which is carried on maliciously and without any probable cause and which causes damage to the person prosecuted[.]“[41] It is also necessary for a claim of malicious prosecution that the prosecution has terminated in favor of the claimant.[42] “[N]either false arrest nor malicious prosecution claims are favored under Georgia law. It is public policy to encourage citizens to bring justice to those who appear guilty.”[43] The record does not show whether the criminal proceedings that the Montgomerys initiated against Hairston have terminated favorably to him. Moreover, claims for false arrest and malicious prosecution “may successfully be defended by an uncontroverted affidavit of the arresting officer that the decision to arrest [the] plaintiff was made solely by him in the exercise of his professional judgment and independently of any exhortations by the defendants.”[44] The record in this case contains such an affidavit. Accordingly, the trial court correctly granted summary judgment on Hairston’s false arrest and malicious prosecution counterclaims. (f) Hairston’s Intentional Infliction of Emotional Distress Counterclaim. To prevail on a claim of IIED, “a plaintiff must demonstrate that: (1) the conduct giving rise to the claim was intentional or reckless; (2) the conduct was extreme and outrageous; (3) the conduct caused emotional distress; and (4) the emotional distress was severe.”[45] The record reflects that the Montgomerys’ conduct towards Hairston consisted of pursuing legal recourse to protect their home by calling the police and filing a civil lawsuit. As a matter of law, such conduct does not rise to the level of extreme or outrageous conduct.[46] Moreover, the record contains no evidence that the emotional distress Hairston suffered as a result of the Montgomerys’ conduct was severe. Hairston deposed that he did not seek professional help to deal with his alleged distress and that, despite such distress, he was “straight mentally” and “focused mentally.” As a matter of law, Hairston’s emotional distress does not rise to the level of severity to support a claim of IIED.[47] Thus, the trial court properly granted summary judgment against Hairston’s as to this counterclaim. Case No. A24A0691 3. In this case, Brimar challenges the entry of default judgment against it. Brimar contends that the entry of default should be reversed because substitute service on Brimar through the Secretary of State was improper. We disagree. “When a defendant questions the sufficiency of service, the burden is on him to come forward with evidence that service was not proper. [Such] evidence [must be] not only clear and convincing, but the strongest of which the nature of the case will admit.”[48] “Factual disputes regarding service are to be resolved by the trial court, and the court’s findings will be upheld if there is any evidence to support them.”[49] A limited liability company must maintain a registered office at which its registered agent may be served.[50] OCGA § 14-11-209 (f) provides that when a registered agent cannot with reasonable diligence be found at the registered office, the Secretary of State shall be an agent of such limited liability company upon whom any process, notice, or demand may be served. Service on the Secretary of State of any such process, notice, or demand shall be made by delivering to and leaving with him or her or with any other person or persons designated by the Secretary of State to receive such service a copy of such process, notice, or demand. The plaintiff or his or her attorney shall certify in writing to the Secretary of State that the limited liability company failed either to maintain a registered office or appoint a registered agent in this state and that he or she has forwarded by registered or certified mail or statutory overnight delivery such process, notice, or demand to the most recent registered office listed on the records of the Secretary of State and that service cannot be effected at such office. If a registered office is “generally unattended by the registered agent, then the registered office is not being ‘continuously maintained’ within the meaning of the law.”[51] “Determinations as to whether reasonable diligence was exercised in matters related to service of process are within the discretion of the trial court and will not be disturbed on appeal absent abuse.”[52] Pretermitting whether Brimar waived its defective service claim,[53] we hold that the trial court correctly found that substitute service was both authorized and properly executed here. The Montgomerys unsuccessfully attempted to serve Brimar at its registered address at least 11 times over the course of nearly two months before resorting to substitute service. The trial court did not abuse its discretion by finding that these efforts constituted reasonable diligence sufficient to authorize substitute service.[54] The record contains ample evidence that the Montgomerys complied with the requirements of OCGA § 14-11-209 (f) in effecting substitute service on Brimar. The Montgomerys served the Secretary of State with a copy of the summons and complaint. The Montgomerys’ attorney certified in writing to the Secretary of State that Brimar had failed to maintain a registered office, that she had forwarded a copy of the summons and complaint to Brimar’s registered office by certified mail, and that service could not be effected at this office. The Montgomerys’ attorney also confirmed in a separate affidavit that Brimar was not maintaining a registered office and that she had forwarded a copy of the process to Brimar’s registered office as listed in the Secretary of State’s records. Based on this record, the trial court correctly found that substitute service was proper. 4. Brimar next contends that the trial court lacked a factual or legal basis to find Brimar in default and to grant remedies pursuant to the default. Brimar’s contention is without merit. To the extent that Brimar intends this enumeration as a challenge to the factual findings supporting the entry of default, its argument fails. The trial court’s order found that the Montgomerys had perfected service on Brimar on October 25, 2021, and that Brimar did not answer until December 9, 2021, 45 days later. By failing to answer within 30 days after service,[55] Brimar automatically went into default.[56] Moreover, the trial court’s order found that Brimar had not paid the costs required to open the default.[57] Such payment “is a condition precedent for opening default under OCGA § 9-11-55 (b). Merely offering to pay costs, as here, is insufficient. When this statutory requirement is not met, the trial court lacks discretion to open the default.”[58] Inasmuch as Brimar styles this enumeration as a critique of the relief granted pursuant to the entry of default, its argument fails here as well. The trial court’s order pronounced the loan agreement unenforceable and annulled the quitclaim deed. Both of these remedies were appropriate. “Under OCGA § 9-11-55 (a), the effect of a default judgment is judgment to the plaintiff as if every item and paragraph of the complaint or other original pleading were supported by proper evidence.”[59] The Montgomerys’ complaint alleged that Brimar never loaned them $165,000 as promised in the loan agreement. This was a condition precedent to the enforceability of the loan agreement.[60] The complaint also alleged that, on behalf of Brimar, Hairston represented the transaction with Brimar as a mortgage reinstatement loan, when in fact its effect was to transfer ownership of the Montgomerys’ home to Brimar via quitclaim deed, contrary to the Montgomerys’ understanding and intentions in entering into the transaction. The complaint alleged that Hairston, on behalf of Brimar, willfully made this misrepresentation with the intention and result of inducing the Montgomerys to sign over title to their home. The complaint also alleged that Hairston, on behalf of Brimar, gave the Montgomerys reason to rely on his misrepresentations by assuring them that the transaction would allow the Montgomerys to retain title to their home and leave it to their children. Finally, the complaint alleged that the Montgomerys were harmed by the loss of title to their home and the increased property taxes associated with the transfer of ownership. This is fraud.[61] And “[f]raud will authorize equity to annul conveyances, however solemnly executed.”[62] The well-pled allegations in the complaint authorized the trial court to declare the loan agreement unenforceable and set aside the quitclaim deed. 5. Finally, Brimar contends that the trial court erred by not establishing personal jurisdiction over Brimar before requiring Brimar to pay costs to open the default. Pretermitting whether it is waived,[63] this contention lacks merit. Brimar is a domestic limited liability company incorporated in Georgia, authorized to transact business in Georgia, and with its principal place of business in Georgia. As such, it is a resident corporation properly subject to personal jurisdiction.[64] The trial court did not err in this respect. Judgments affirmed. Hodges and Watkins, JJ., concur.
