( May 12, 2026, 8:29 AM EDT) -- ATLANTA — An 11th Circuit U.S. Court of Appeals panel ruled that property owners were not owed attorney fees under the terms of their mortgage documents or Florida state law after a lower court dismissed a bank’s foreclosure complaint against them because the bank failed to serve the complaint on the property owners within the required time, finding that the property owners were not the prevailing party under Florida law....