Key Points:

• Loan Agreements: In 2019, Aaron and Donna Hansen loaned Nicholas Felgate $20,000 and $70,000 respectively, to be repaid with interest over 36 months.
• Repayment Issues: Nicholas and Andrea initially made repayments but eventually stopped. The Hansens sought summary judgment to enforce the loan agreements.
• Defense: Nicholas claimed he lacked the capacity to contract due to psychosis induced by medication for Congenital Adrenal Hyperplasia.

Issues:

1. Genuine issue requiring a trial.
2. Capacity to contract.
3. Andrea Felgate's involvement in the loans.

Decisions:

1. Capacity:
   • Nicholas: Court found no merit in his incapacity defense. Despite claims of psychosis, no expert medical evidence supported his condition. He understood the loan agreements.
   • Legal Presumption: Adults are presumed capable of contracting unless proven otherwise. Nicholas did not prove incapacity.
2. Andrea’s Liability:
   • Denied Summary Judgment: Andrea's involvement was limited to receiving loan funds and making some payments. Her liability requires a full trial.

Damages:

• Nicholas's Liability:
  • Principal: $90,000
  • Interest: $246,236.30 total, minus $15,540 paid, resulting in $230,696.30 owed immediately.

Conclusion:

• Summary judgment was granted against Nicholas for $230,696.30.
• Summary judgment was denied against Andrea; her liability will be determined at trial.