dissenting.
I must dissent from the opinion of the majority.
1. Pauline Walker filed a motion to dismiss the suit against her because of her bankruptcy discharge. The trial court granted that motion to dismiss. The remaining defendant, Watson, who was the driver of this car, is evidently judgment-proof, but plaintiffs contend (and defendants do not deny) that Pauline Walker had insurance which should provide coverage for any personal injury caused to third parties by the driver of her car.
The insured’s personal bankruptcy discharge does not excuse the insurer from its contract liability as to the driver of her car. Prior to Walker’s motion to dismiss, her insurer was not specially impleaded because it could not be sued as a defendant under the collateral source rule; its shadowy presence in the case was only through Pauline Walker. Even though the dismissal of Pauline Walker, the plaintiffs would be able to hold the insurer to its contract of coverage as to Pauline Walker’s vehicle. Now, however, the majority has declared that this contracted-for insurance coverage of Pauline Walker’s car is not available to the plaintiffs, because the majority has converted Pauline Walker’s motion to dismiss to a summary judgment and the trial court’s dismissal to a final judgment merely because it examined a federal court document and supporting affidavit, and because there is at this stage no evidence in the record that Pauline Walker had insurance. Thus, reasons the majority, the plaintiffs cannot recover under Pauline Walker’s insurance policy as it applies to the driver of her vehicle because the plaintiffs, adhering to the rule against mentioning insurance, had not mentioned Pauline Walker’s insurance before the trial court dismissed Pauline Walker from the case.
This result is grossly unjust and untenable, patched together as it is by technical theories and by the idea that if the trial court looks at anything besides the pleadings it “converts” the proceeding to *659summary judgment. The first rule of the Civil Practice Act is that it “shall be construed to secure the just, speedy, and inexpensive determination of every action!’ (Emphasis supplied.) OCGA § 9-11-1. In Ambler v. Archer, 230 Ga. 281, 286-287 (196 SE2d 858), the Supreme Court held: “ ‘The Act is designed to simplify [civil procedure] by deemphasizing form and technicality in order that the substantive rights of litigants may be asserted and tried on the merits! [Cit.] . . . ‘(The Act) should serve to reduce the number of decisions which are resolved on grounds having no relation to the merits of the litigation! These comments undoubtedly reflect the spirit and purpose of the Civil Practice Act and the courts . . . should be diligent to hew not only to the letter of the act, but also to this spirit.” (Emphasis supplied.)
The trial court granted Pauline Walker’s motion to dismiss her personally because of her personal bankruptcy discharge. According to our appeal laws, this was not a final judgment because issues remain pending (OCGA § 5-6-34 (a) (1)); and because appellants did not follow interlocutory procedures (OCGA § 5-6-34), this appeal should merely be dismissed, leaving for resolution on the merits the liability of the driver of Pauline Walker’s car.
If there is insurance liability coverage of Pauline Walker’s car and its driver’s acts, that insurance will be available to the appellants/plaintiffs because there are obviously still triable issues below as to that driver’s liability. No procedural trick should obviate the driver’s potential liability and the car’s insurer’s contractual responsibility to third-party beneficiaries.
This Court has held that even if an order does not specify that it is a final judgment within the meaning of OCGA § 5-6-34 (a) (1), it nevertheless constitutes a final judgment if it leaves no issues remaining to be resolved, constitutes the court’s final ruling on the merits of the action, and leaves the parties without further recourse in the trial court. R. J. Reynolds &c. v. Fischer, 207 Ga. App. 292, 293 (1) (427 SE2d 810); Spring-U Bonding Co. v. State of Ga., 200 Ga. App. 533 (408 SE2d 831); and Caswell v. Caswell, 157 Ga. App. 710 (278 SE2d 452). Plainly the issue of Watson’s liability is still pending even if he is judgment-proof. If Pauline Walker’s insurer is contractually liable for the driver’s acts, her dismissal for personal bankruptcy has no effect on the insurer’s contractual liability. The dismissal of a bankrupt defendant does not operate as a res judicata “dismissal” of the bankrupt’s insurer or other contractee which owes a duty to third persons. See Wilkinson v. Vigilant Ins. Co., 236 Ga. 456, 457 (224 SE2d 167). The dismissal of an insured as a bankrupt does not touch the contract to insure the insured’s vehicle or persons injured by a driver of that vehicle or other such third-party beneficiaries. If the driver’s liability would render liable the insurer who contracted to *660insure the car owned by Pauline Walker, the fact that Walker is no longer a party does not affect the insurer’s liability.
The trial court’s judgment — whatever it is called — leaves pending the entire merits of plaintiffs’ claims, including defendant Watson’s liability as driver and the ultimate liability of the insurer who contracted to insure the car he drove. These appeals should be dismissed as improper direct appeals of a grant of a motion to dismiss; this would leave this lawsuit intact as a viable proceeding with triable issues. No other result is proper or just.
2. The majority retains jurisdiction of this case as a direct appeal on the ground that the trial court, considering Pauline Walker’s bankruptcy filing and her discharge in bankruptcy, converted this motion to dismiss to a motion for summary judgment which is subject to direct appeal. However, OCGA § 9-11-12 provides that a motion to dismiss may be converted to a motion for summary judgment if “matters outside the pleading[s]” are considered by the trial court.
“Matters outside the pleading[s]” are such things as affidavits and other “evidentiary” materials of such substance that the inquiry is converted to one of whether any genuine issue of material fact remains for a jury (Zepp v. Mayor &c. of Athens, 180 Ga. App. 72 (348 SE2d 673)). The rule allowing conversion of a motion to dismiss to a motion for summary judgment, OCGA § 9-11-12 (b), refers only to a motion to dismiss based on the affirmative defense of failure to state a claim upon which relief can be granted. “No such treatment is statutorily mandated for a motion to dismiss based on [other affirmative defenses].” Terrell v. Porter, 189 Ga. App. 778, 779-780 (377 SE2d 540).
Moreover, the fact that an affidavit was considered on a motion to dismiss does not convert the proceedings to summary judgment proceedings. See Terrell, supra at 779, where we held: “A motion to dismiss for lack of jurisdiction of the defendant, when tried on affidavits pursuant to OCGA § 9-11-43 (b), does not become a motion for summary judgment. Behar v. Aero Med Inti., 185 Ga. App. 845 (1) (366 SE2d 223).” The reason for the conversion of a motion to dismiss for failure to state a claim to summary judgment proceedings is purely rational: the inquiry for a defense of failure to state a claim is whether there is any law or any fact or set of facts which necessarily defeats the claim (Oliver v. Irvin, 230 Ga. 248, 249 (196 SE2d 429)), so that on evidence, the movant is entitled to judgment as a matter of law on the merits. This is similar to the summary judgment inquiry whether there is any issue of fact to put to a jury and movant is entitled to judgment. Both inquiries determine the merits.
The conversion to summary judgment proceedings has been the source of much argument and confusion. See, e.g., Ledford v. Meyer, 249 Ga. 407 (290 SE2d 908). Under OCGA § 9-11-12 (b), this “conver*661sion” is properly used only with a motion to dismiss for failure to state a claim upon which relief may be granted. See Christensen v. State of Ga., 219 Ga. App. 10, 11 (4) (464 SE2d 14). See also City of Atlanta v. Chambers, 205 Ga. App. 834 (424 SE2d 19), which, although cited by the majority, did not involve a “conversion” to summary judgment proceedings from a motion to dismiss for failure to state a claim under OCGA § 9-11-12 (b). It involved a motion for summary judgment asserting a bar of municipal immunity. In Peeples v. City of Atlanta, 189 Ga. App. 888, 889 (377 SE2d 889), we noted that a statute of limitation is a matter in bar and where the court considers matters outside the pleadings, it “should [be] treated as one for summary judgment and disposed of as provided in [OCGA § 9-11-56].” Hoffman v. PMC Dev. Co., 238 Ga. 258 (232 SE2d 541). However, Hoffman did not involve a “conversion” of motions under OCGA § 9-11-12 (b); it involved the judicial consideration of evidentiary “matters outside the complaint” in a “ ‘motion to dismiss and plea of statute of limitations.’ ” Hoffman, supra.
Where the trial court considers evidence and decides either that there is a question for the jury or that there is not, we deemed such cases in substance to be summary judgment proceedings because there is no magic in nomenclature. That is not the situation here. The federal discharge and supporting affidavit do not create an issue of fact. While the trial court necessarily looked at those documents, they were not in dispute and were conclusive as a matter of law, as a bar to the proceedings against her personally.
Technical niceties of a “bar” versus an “abatement” do not govern “conversion” of proceedings to summary judgment. The majority’s “conversion” of the trial court’s dismissal of one defendant to a final judgment as to all parties leaves plaintiffs with no recourse whatsoever, even though the trial court’s dismissal of Pauline Walker left issues pending as to the driver’s liability and the liability of the insurer of the car he drove.
We should not, on appeal, cause confusion by tweaking the trial court’s orders and proceedings into a “conversion to summary judgment” simply to reach procedural goals or adjust the rights to appeal as we might deem desirable in a particular case. Important to the question of converting a motion to dismiss to summary judgment proceedings is the question whether the trial court intended to render summary judgment. Ledford, supra at 408. The very bottom line is that “summary judgment” is proper only when the court, viewing the facts and reasonable inferences most favorably to the non-moving party, concludes that the evidence does not create a claim (OCGA § 9-11-12 (b)) or a triable issue. Lau’s Corp. v. Haskins, 261 Ga. 491, 495 (4) (405 SE2d 474). Or, what starts as a motion to dismiss for the affirmative defense of failure to state a claim (OCGA § 9-11-12 (b)) *662may be resolved by studying evidence outside the pleadings so the trial court “converts” the motion to summary judgment proceedings with proper notice to all parties. If this had been done, plaintiffs would have been able to argue that the defendant driver’s acts were contractually covered by insurance, leaving issues pending below, and the majority could not rule as it does.
Decided March 21,1997. Hillman J. Toombs, for appellants.A bankruptcy discharge is an affirmative defense which bars further proceedings. OCGA § 9-11-8 (c). It does not give rise to a defense of “failure to state a claim” so as to be amenable to conversion to summary judgment proceedings (OCGA § 9-11-12 (b)), even if the trial court examines an affidavit in the course of its ruling. The only reason to convert any matter to a summary judgment proceeding is to determine whether a claim is stated under OCGA § 9-11-12 (b) or whether an issue of fact remains to be determined by a jury or judge on the merits. OCGA § 9-11-56. Unless affirmative defenses give rise to an issue of fact, they are “not within the scope of. . . summary judgment.” Intl. Indem. Co. v. Blakey, 161 Ga. App. 99, 101 (1) (289 SE2d 303).
Judicial proceedings are treated according to their substance rather than their name. McDonald v. State, 222 Ga. 596 (151 SE2d 121); Manning v. Robertson, 223 Ga. App. 139, 142 (476 SE2d 889). The substance of this motion was merely to dismiss Pauline Walker personally, and not to dismiss the driver of her vehicle or the insurer of her vehicle which would be liable for the driver’s acts. As the dismissal of Pauline Walker for bankruptcy discharge bar is not a final judgment, and many issues remain pending on the merits, this is an interlocutory judgment and appellants were not entitled to direct appeals. OCGA § 5-6-34.
Whatever the analysis, even if the majority insists on entertaining these as direct appeals, the case should be returned to the trial court for resolution on the merits of plaintiffs’ claims. To do otherwise violates the mandate of Rule 1 of the Civil Practice Act (OCGA § 9-11-1), which forbids us from aborting cases on procedural technicalities when the merits of the case can fairly be reached. See Ambler, supra. The result of the majority is neither fair nor correct.
I respectfully dissent. I am authorized to state that Presiding Judge Pope joins in this dissent. *663Berry & Wilson, Matthew T. Berry, Richard L. Ormand, for appellee.