Texas Court of Appeals, 1st District (Houston) November 10, 2011, 01-10-00768-CV (Ervin M. Emanuel v. Citibank (South Dakota) N.A.)

Opinion issued November 10, 2011. In The Court of Appeals For The First District of Texas ———————————— NO. 01-10-00768-CV ——————————— Ervin M. Emanuel, Appellant V. Citibank (South Dakota), N.A., Appellee On Appeal from the County Court at Law No. 3 Fort Bend County, Texas Trial Court Case No. 05-CCV-026051 MEMORANDUM OPINION Appellant, Ervin M.