Kerns v. Wells Fargo Bank, N.A.

OPINION BY JUSTICE D. ARTHUR KELSEY

**151 In the circuit court, Dennis W. Kerns claimed that Wells Fargo Bank, N.A. ("Wells Fargo") had breached a mortgage loan agreement by failing to give him a contractually required opportunity to cure his default and by improperly accelerating the balance due after his default-leading ultimately to a foreclosure sale of the property. Ruling on Wells Fargo's plea in bar, the circuit court concluded that the debt acceleration had triggered the accrual of Kerns's breach of contract claims. Because that breach had occurred more than five years before Kerns…