District Court of Appeal of Florida November 26, 2025, 2D2024-2793 (Simmons v. Pharus Funding, LLC, Pen Fed Credit Union)

DISTRICT COURT OF APPEAL OF FLORIDA

SECOND DISTRICT

WILLIAM T. SIMMONS, III,

Appellant,

v.

PHARUS FUNDING, LLC, as successor in interest

to PEN FED CREDIT UNION,

Appellee.

No. 2D2024-2793

November 26, 2025

Appeal from the Circuit Court for Pasco County; Kimberly Sharpe Byrd,

Judge.

William T. Simmons, III, pro se.

Ernest H. Kohlmyer, III, of Zimmerman, Kiser & Sutcliffe, P.A.