Free Motion to Dismiss - District Court of California - California

Case 3:08-cv-00474-LAB-JMA

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Filed 04/17/2008

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1 ¡ MICHAEL G. DOAN, SBN 175740 . DO.A. LA W FIR. LLP
2 12850 PiO PICO DRÍVE. SD1TE D

3 (760) 450-3333 TELEPHONE 1 mike(8doanlaw.com , CARLSBAD, CALIFORr~L-\ 92008

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ATTORNEYS FOR PL,~~IFF
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UNITED STATES BANKRUPTCY COURT
SOUTHER.'N DISTRCT OF CALJFORNIA

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13 PAMELA JEAN CRUZ,

CASE

NO.:

07-03~q3-LA7

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14 Plaintìff,

ADVERSP..Y NO.: I
VIOLATIONS UNDER 11 USC 524 I DISCHARGE INJUCTION AJ~D THE
f15 use 1681 et seql .and DEFAMTION
FAIR CREDIT REPORTING ACT (FCRA) i

16 GMAC MORTGAGE GROUP INC,
17 EXPERLAN INFORMATION SOLUTIONS,
J 8 n..c.., and Does J through J 0 lnc1usive,

DEMAD: $10,000, Attorney Fees and
Costs, Punitive Damages,
Declaratorj' and Injunctive

19 Defendants.

ReHef

.fORY TRIAL DEMA.~DED
The PlaintiffPAJv1ELA JEAN CRUZ, (hereafter "CRUZ") by attorneys Doan I-"\v Finn,
LLP, as and for the compiaint against the defendants GMAC MORTGAGE GROUP TNC

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(hereafter "GJViAC"), EXPERIAN INFORìv'LA TJON SOLUTIONS, INe., (hereafter "Expetian"),

EQUrfAX: INC. (hereafter "Equìfax") TRANSUNION CORP, (hereafter "TransUnion") and
TRIADV ANTAGE CREDn SERVICES, INe. (hereafter "TRIAD

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vantage") alleges as folJows,

upon infomiatìon and belief:

Case 3:08-cv-00474-LAB-JMA

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PRELIMINARY STATEMENT
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This is an action fo

pursuant to 11 use 524 and 11 USC 105

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of the Banptcy e

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In C:ddition, CRUZ seeks actual and punitive damages on her common law pendant state

~laîms for defamation, and a declaration from the court that no p'~rsonal liability exists on
the account, and an injunction barrng GM.A.C from continuing to' report the account

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without Bankuptcy Notation.
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GMAC violated the FCRA by failing to conduct a proper investigation of CRUZ'S
disputes filed with the credit reporting agency defendants. Those disputes claimed that the

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CRUZ was not liable for the account as a result of a BanJUptcy Discharge. GMAC
failed to revie\.v all relevant information purportedly provided to it by such credìt

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reporting agency defendants and it failed to direct such consumer reporting agencies to

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update inaccurate information about CRUZ from the mes maintained by them.
4.
In addition, GMAC willfully

and maliciously defame.d CRUZ by repeatedly reporting

false Infonnation about CRUZ to various third parties which it knew, or reasonably
should have known, was false. As a result of such actions and conduct, CRUZ suffered

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damage, which recovery is permitted in tbis action and CRUZ is also entitled to an award
of

punitive damages.

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5.

The credit reporting agency defendant, Experian violated the FCRA by failing to follow

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reasonable procedures to assure maximum possible accuracy when preparing credit

reports purportedly concerning CRUZ. Experian also violated the FCRA by repeatedly
issuing credit repoiis to various third-paiiies, purportedly pertaining to CRUZ, which

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contained an enoneous tradeline entry which failed to disciosc the balance as $0.00 and
discharged in Banlcruptcy; despite having recei ved actual notice of the same.
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ExperiaD repeatedly violated their cibligaiion under the FCRA properly investigate

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disputed items in CRUZ'S creòit ñle maintained by them.
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Experian defamed CRUZ and violated CRUZ'S privacy by repeatedly publislung to

thu'd-paries information purportedly about CRUZ which was false and which caused
CR UZ to suffer injury.
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Experian provided .CRUZ'S credìt report, containing en-oneous information, to

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third-paries, who then used such reports to make creditworthiness determinations about
CRUZ and, as a result, CRUZ'S credit Score was adversely affected and current credit
standing was adversely affected.
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. Expeiian willfully violated various provisions of

the FCRA, as s~tiortli herein, and CRUZ is thereby entitled to an award ofpunitíve damages pursuant to the FCRA.

10.

Experan also wilfully and maliciously defamed CRUZ by repeatedly reporting
information about CRUZ to varous tlid paries which they knew, or reasonably should

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have known, was false. As a result of such actions and conduct CRUZ suffered damage
and is also entitleò to an award of punitive damages.
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The forgoing actions also amount to a Conspiracy wheirein GMAC and Experian have

acted in concert to collect on a discharged debt in violation of the Discharge Injunction of
11 USC 524. Such conspiracy between Expera.'1 to GMAC allows GMAC to collect on

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discharged debt and therein allows concessions to take place from GMAC in rerum to

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Experian. Such concessions to not exist between GMAC and TransUnion or Equifax,
and thus why proper repOlting exists with those agencies.
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CRUZ further alleges that as a direct and proxiniate result of the each of

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the defendants'

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actions, conduct and omissions she suffered actual damage including, but not Iimited to,

damage to existing credit accounts, damage to reputation, emotional distress, annoyance,
aggravation, fi'ustration, and legal fees to secure the defendants' compliance with the

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FeRA.

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II.
JURISDICTION A..ND 'VENUE
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Jurisdiction is conferred On this Court pursuant to the provisions of28 USC 1334 in that

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this proceeding arises from anà is related to the above captioned underlying banptcy
case under Titìe J 1 c
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This Court has subject maitc:T jurisdiction to hear this case pursuant to 28 USC 1334 and

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28 USC 157(b)(J), (2)(0), respectively.
. This matter is primarily a core proceeding under 28lJ.S.C 151 and

JhereforeJhe.., ..

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Bank-uptcy COurt' has jurisdiction to enter a final order. It is a core proceeding because

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CRUZ is asserting rights in this action that are created by 11 USC 105 and 11 USC 524

11 of the Banlcrptcy Code, which could only arse in baiikptcy;
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Venue lies in this Distrct pursuant to 28 USC 1391

(b).

This adversary is proper in that it seeks injunctive, equitable, deciaratory, and monetary

14 rehef per FREP 7001(1), FREP 7001(7), and FREP 7001(9).

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Relieffor violations of) 1 lJSC 524 may be'brought in Adversary Proceedings, pursuant

16 to in re WaL'Ter, 87 B.R. 612, 1988 Bai:ikr. LEXIS 922 (Ban. C.D. CaL. 1988), In re

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Heck 272 B.R. 112, 130 n.25 (Hankr. E.D. Pa 2002). Jurisdiction of thi s Court also arises under 28 USC 1331 and pursuant to 15 USC
1681(P).
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The claims herein arise from a common nucleus of operative facts, and are best dealt with
il1 one Court in the interests of judicial economy, faimess, convenience, and efficient

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resolution. Accordingly this Coun has supplemental jurisdiction of the state law. claims
asserted herein undeJ 28 U.S.C. § J 367(a) and pendant jurisdiction over the state common
law claims asserted herein.
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Venue in this District is proper in that the Defendants tra.'1sact business San Diego County

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and the conduct complained of occurred here and is properly laid pursuant to 28 U.S.c. §
l391(b).

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III.
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PARTIES
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PlaintiffPAlvlELA JEAN CRUZ ("CRUZ") is a natural person residing in San Diego
County, California and is a Debtor under Title 11, of

the United States Code, the FCRA (15 U.S,c. § 1681 a(c)).

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CRUZ is a "consumer" within the meaning of

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DEFENDA~T, GMAC, is a "creditor" as that ter is defined by 1 i use 101(10), listed
in the Bankruptcy Schedules, and has asserted and appeared in the bankrptcy as
,,,t\~IQtaC;tg tÌl9¡:gl1 tl1eIr pr~ÇJf of claim ñIe.)2iae._.
,n... " .::-;:' ....., ".i ':.._,

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GMAC is' a "debt co1ìector" as that tenn is defined by Californa Civil Code § 1

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788.2( c)

and is a "person" as that term is defined by California Civil Code § 1788.2 (g).
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GMAC is a "creditor" as that term is defined by California CivìJ Code §1785.26(a)(1).

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GMAC is a Michigan corporation duly authorized anè qualified to do business in the
State of Califonùa.

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GMAC is a "furnisher of information" within the meaning of

the FCRA (15 U.S.C. §

1681 s-2 et seq.)

29.

Expeiian is an Ohio corporation, duly authorized and qualified to do business in the State
of Califomia.

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30,

Experian is a "consumer reporting agency" within the meaning of the FCRA (15 U.S.c. §
1681 a(r)).

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31.

GMAC, Experian, and DOES are all entities or indiv:duals who contributed to or
participated in, or authorized the acts or conspired 'Nith the náine"d GMAC to commit the

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acts and do the things complained of

which caused the injuries and damages to CRUZ as

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set forth below. Each of the parties, named and fictitious, acted as principal and agent,
each of the other, and combined and concurred each 'Nith the other in committing the acts

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that injured the CRUZ. \\lhen the true names of the DOES are ascertaiJ)ed they wil be
substituted in.

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FACTS fACTS PERTAINING TO GMAC
CRUZ incurred a debt with GlVi/\C sometime prior to filing for bankniptcy protection.

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CRUZ never reaffrmed the account with GMtC.
Gl\1AC never ~ tbe debt .. : ,.1 l'- ': had.... f deemed non-dischargeable under 11 USC 523 of the
Baiptcy Codè:

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G1viAC was notified of

both the commencement and discharge by two separate notices

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from the Bankptcy Noticing Center out oÎHemdon, Virginia.
37.
On or about October 15,2007, an FCRA dispute letter with copies of

Bankrptcy

Commencement and Discharge disputing the account was sent by certified mail to the

three credit reporting agencies of Equifax, TransUnion, and Experian as evidenced by
Exhibit "A" incorporated herein by reference.
38.
Equifax, TransUniou, and Experiaiï acknowledged receipt of

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the dispute letters as

evidenced by signing for completion of delivery.
39.

The dispute letter requested, inter aìia, that it conduct an investigation of, and update all

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inaccuracies regarding the account to properly reflect the following:
1) "Curren! Balance" 0/"$0.00"
2) . "Account Status" 0/"$0.00 balance/closed accowil,"

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3) "Amount Past Due" 0/"$0.00,"
4) '~FCR.A CompliancelDeLÙiqucncy Dale" as of daie of díscharge, and

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5) "Payment His/.oiy Profile" must 110 longer reflecf paymelt histOiT and default

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Eguifax, TransUn.ion, and Experal1 each advised GMAC of

CRUZ'S dispute.

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Glv1.A.C faileò to conàuct a reasonable iiwestigatìon ofthe dispute and it continued tù

report to Ëquifax, TransUnion, and Experian that CRUZ remained legally obligated on
the account ror the balance due.

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42.
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To date, GMi\C refuses to update the account with the Îorgoing Bankruptcy 1-iorration.
From the date of

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the banptcy filing on 6/29/07 to present, GWiAC continues to contact

CRUZ with biling statements and phone calls to collect on the discharged debt.
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FACTS PERTAINING TO EXPERL~l\
On October 15,2007, CRUZ wrote to ExperiaD with reference to the account improperly

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being reported iii the credit report, via certfied mail.
EXPERlAN acknOwledged the certified mail and dispute Jetter by sigrng for .the same on

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October 23, 2007.
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EXPERIAN became aware of the Bank-uptcy Commencement and Discharge v,iith.in" one

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week of each event.
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In the dispute Jetter, CRUZ identified the account and requested that Experian update the account as follows:
1) "Current Balance

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It 01"$0.00"

2) "Accouii Status" oI"$O.OO balance/closed account,"

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3) "..mounl Past Due" oI"$O.(JO,"
4) "FG'" Compliance/Delinquency Date" as of i

date oL díscharge, and

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5) "Paymem Histor)1 Profile" must no longer reflect payment history and default.
48.

To further assist Experian's investigation, CRUZ provided with the dispute Jetter, copies

of the bankuptcy discharge and list of all creditors sub.ieci to said discbarge.
On or about November 3,2007, Experian advised CR.UZ that it had investigated the
dispute and that it had verified tiie accuracy of

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the account, as evidenceò by Exhibit "B"

in corporated herein by reference.

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Expenan has failed and refused; and continues its failure and refusal, to conduct a proper
anò reasonable investigation of

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the dispute and update the account the account with

Bankruptcy infoffiation.
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Experìal1 has repeatedly published and disseminated such inaccurate information

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regarding the erroneous aceount Í11 creåit repons prepared about CRUZ which it has
provided, and continues 1.0 provide, to third pa¡1.ies.

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Experìan's aCtS are willfully done in conspiracy with GMAC to enable GMAC to collect
011 a disharged debt.

Experian recei ves concessions in return from GM.A.C for maintaining the improper credit

4 reportmg.
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As a result, CRUZ has suffered, and wil continue to suffer damage.

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.CAUSES OF ACTION

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FIRT CAUSE OF ACTION: GMAe
VIOLATION OF 11 D.S.C. § 524 DISCHARGE INUUNCTION
55.
CRUZ repeats, re-aJ1eges, and incorporates by reference all of

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the paragraphs above as

though fully stated herein.
56.

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Bankptcy Code Section 524(a)2 "operates as an injunction against the commencement
or continuation of an action, employment of a process, or an act, to collect, or recover, or
offset any sud1 debt as a personal

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liability of the debtor..."

Pursuant to Eskanos & Adler, P.t. v. Leetien, 309 F.3d 1210, (9th CiT. CaL. 2002),

Section 362(a) Imposes an Affinative Duty to Discontinue Collection Actions.
58.

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Pursuant to In re Perviz (2003, BC ND Ohio) 302 BR 357, § 11 USC 524(a)(2) simply
makes pennanent what had previously been temporary under § 362(a)(6).

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j 1 USC 524 imposes an Affirmative Duty to Discontinue Collection Actions.

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60.

While CRUZ' Bankrptcy Case was pending, GMAC allowed her pre-petition reporting
to remain in an attempt to coerce payment of S9ü,803 .00 from CRUZ in violation of the

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automatic stay provisions of 1 1 use 362.

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After discharge, GJ'viAC has continued to upload false information on CR UZ' credit

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report.
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GÌ'v'Í.Ä.C purposeiy and intentionally uploads a "monthly trap," an "employment of a

process" to ÍIitentiomilly fud purposciy lCf!ve false ad untruthful infonnation regarding

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CRUZ on her credit report in a direct and intentional effort to collect, harass, inàu:;e,
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pressure, and coerce CRUZ into paying her cischarged debt to clean up her credit repon
in direct violation of 11 USC 524.
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GMAC is directly attempting to collect discharged debt in exchange for an increase in
CRUZ' credit score.

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64.

GMAC refues to cease the monthly false reporting, despite the plethora ofrequests made
by CRUZ discussed above.

65.

G:iu~..C works in conspiracy with EXPERlAN to make sure the improper credit reporting

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remains.
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GMAC wil only stop the falserepOlting if CRUZ pays GMAC the $90,803.00.
GMAC is continues to directly attempt to collect on the discharged debt th phone calls

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and collection letters.
68.

GMAC believes that the false reporting in conjunctìon with collection letters and phone
calls \vîl result in collection of

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the discharged debt.

69.

Glv'lAC intentionally, deliberately, and wí1fully violaæd 11 USC 524 and refuses to cease

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violations of J 1 USC 524 by its employment of a false credit reporting process, collection

calls, and collection letters, to coerce payment of a discharged debt in the amount of
$90,803.00.
70.

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CRUZ is entitled to Ci vil Compensatory Contempt Damages in the f0111 of sanctions
pursuant to J 1 use 524 and i J USC 105 sufficient to compensate her for actual

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damages, attomey fees, costs. and other retief this court deems just and proper.
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SECOND CAUSE OF AeTION: GMAe
II I I ¡ ! VIOLATION Of 15 U.S.c. § 1681 OF

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THE FCRA

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71.

CR UZ repeats, re-alJegcs, and incorporates by reference al1 of the paragraphs above as
though ful1)' stated herem.

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72.

After being informed by the credit reporting agencies that the CR UZ disputed the

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accuracy ofthe inforrnation ir v/as provicing; Ghlii\C negligently failed to conduct a

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proper ÌnvestÍgatIon of the disputed accoum information wit¡~ the three national consume:

reporting agencies, as required by 15 U.S.c. § 1681s-2(b)(A)_
GMAC negligently failed to review all relevant information purportedly provided by such
credit reporting agencies to GMAC in conducting its investigation, as required by 15
U.S.e. § 1681s-2(b)(B).

GWiAC negligently failed to direct such consumer reportng a.gencies to delete a."1d!or

update the inaccurate information about the CRUZ pertainig to the Account, as required

by 15 u.se § J681s-2(b)(c)..

CRUZ has a Drivate riclt of action to assert claims against Gl\..AC arisi110 undér 15
U.S.e. § 1681s-2(b).

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GMAC is Hable to the CRUZ for the actual damages sustained by reason of its violation

with reasonable 13 attorney's fees, and may recover therefore pursuant to 15 U.S_C. § 16810.
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12 of the FCRA, in an amount to be determined by the trier of fact, together

THIRD CAUSE OF ACTION: GMAC
V10LA TION OF 15 D.S.C. § 1681 OF THE FeRA
CRUZ repeats and rcalleges eacb and every allegation set forth above as if reasserted and

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1 8 realleged herein.
After being inÎom1ed by the credit reporting agencies that CRUZ disputed the accuracy of

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the infonnation it was providing, GJviAC willfuliy failed to c;ondl1ct a proper
investI!Lation of the CRUZ's dispute, andwllfulJy failed' to update to the three national
consumer reporting agencies the bankruptcy status oÍ the account, as required by 15
U.se. § l681s-2(b)(A).

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GMAC willfully failed to review all relevant ínfonnaiion purportedly provided by such
credit reporting agencies to GM.AC in conducting its investigation, as required by 15
u.se. § j 681s-2(b)(B).

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GMAC wilfully failed to direct such consumer Tcpoiiing agencies to delete inaCCUrate
infonl1ation about CRUZ pertaining to the Aecount as required by 15 U.se. §

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1 ó81 s~2(b)( c)

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181.

CRUZ has a private right of action to assert claims against GWiAC arising under J 5
ü.S.c. § 1681s-2(b)

82.

GMAC is liable to the CRUZ for the actual damages sustained by

reason of

its violation

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of the FCR:\., in an amount to be determined by the trer of fact, together with an award of
punitive damages in an amount to be determined by the trer of

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fact, as well as reasonabIe

attorneys fees, and may recover therefore pursuant to 15 U.S.C. § 1681n.
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FOURTH CAUSE OF ACTION: GMAC
DEFAMATION
83.
CRUZTepeats and realleges each and every allegation set forth above as if

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reasserted and

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real1eged herein.
GMA.C maliciously defamed the CRUZ by its knowing publication to third-partes of

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14 erroneous and false information concerning the account.
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GMAC had actual knowledge of

the false and fraudúlent nature of such infonnatíon and

16 published it despite having such knowledge.
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GMAC'S actual knowledge of the falsity and reckless disregard for the truru ámonstrates

its malice and/or wilful intent to injure the CRUZ.
87.

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As a direct and proximate result of sudi conduct, the CRUZ suffered actual damages as
set forth herein.

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88.

GMAC is liable to the CRUZ for the actual dainages he has sustained by reason of such
coiiduct.

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89.

The CR VZ is entitled to an award of punitìve damages from GMAC in an amount

suffcient to punish it for its conduct as wen as to serve as ä deterrent to it and to others to
prevent the occurrence of sudi egregious conduct in the future.

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FIFTH CAUSE OF ACTION: GMA.C
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DECLARATORY RELIEF
90.

CR UZ repeats and realìeges each and every allegation set forth above as if reasserted and
real1eged herein.

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GMAC has reported the failure to pay the account to the three national credit reporting
ageneies.

92.

CRUZ is entitled to a declaration by the Court, pursuant to 28 USC § 2201 that there is
no liability to GMAC on the account.

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GMAC'S contÍnued reportng of the aceount to the thee natioDaf credit bureaus has

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caused CRUZ to suffer hann. Such har will continue unless and until GMAC is
enjoined frm continuing to report to third-paries that CRUZ is liable for payment on the
account.
94.

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CRUZ is entitled to an injunction directing GMAC to correct its records so as to update
the account with Bankptcy lnfoD11ation and to refrain from advising any third parties

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that CRUZ is liable for payment on the account.

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FIRST CAi:SE OF ACTION: EXPEIUAJ~

VIOLATION OF 11 D.S.C. § 524 DISCHARGE INUUNCnON
95.

CRUZ repeats and realJeges each and every allegation set forth above as if reasserted and
realieged berein.

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96.

While CRUZ' Bankruptcy Case was pending,~XJ)ER1AN allowed her pre-petition

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reporting to remain in in conspiracy with GMAC to allow GMAC to coerce payment of
$90,803.00 from CRUZ in violation of the automatic stay provisions of 11 use 362.
After discharge, EXPERIAN has conspired to allo'.. GMAC to upload false il1toima1Íon

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on CRUZ: credii report in return for concessions.
EXPERIAN'S conspiracy viith GiytAC allows GTvlAC to purposely and intentionaJJy

26 ¡ 98.
i

27
28

i i i i i i ii :i II

upload a "monthly trap,'. an "empioyment of a process" to intentiona1Jy and purposely
leave false and untruthful inf0n11ation regarding CRUZ on her credit repons in a direct

Page -.12-

I

Case 3:08-cv-00474-LAB-JMA

Document 4-2

Filed 04/17/2008

Page 13 of 37

) I!
2 II

and intentional effon TO collect, harass, inòuce, pressure, and coerce CRUZ into paying

her discharged debt to clean up her credit report m direct violation of 11 use 524.
EXi')ERLAN is acting in conspiracy \"/Ìth GiV1.i\C to directly allow GlvLAe to collect

3199.
4I
I

discharged debt in exchange for an increase in CRUZ' credit score.
EXPERLAN refuses to conect the monthly false reporting, despite the plethora of

5 ! 100.

6
7

requests made by CRUZ discussed above.
) 01.

EXPERLA.N works in conspiracy with GWLAC to make sure the improper credit reporting

8

.9
10
11

102:

t. , - ~ .
remains.
discharged debt in the amount of damages, attorney fees, costs, and other relief

EXPERIANintentíonally, dehberately, and willfully violated 1 l USC524'.ãnd refusesïo

cease violations of 1) USC 524 by its employment of a false credit repOlting process,

collection calls, and collection letters, to conspire with GMAC to coerce payment of a
$90,803.00, and in æturn will receive concessions.

12 13
103.

CRUZ is entitled to Civil Compensatory Contempt Damages in the form of sanctions
pursuant to 11 use 524 and ì i USC 105 suffcient to compensate her for actual

14
15

this court deems just and proper.

16

17 \
18
1

SECOND CAUSE OF ACTION:

EXPERlAN

VJOLATlON OF 15 U.S.c. § 1681 OF THE FCRA.
CRUZ repeats and Tealleges each and every allegation set forth above as if reasserted and
real1eged herein.

19 I i04.

20
21

105.

Experial1 prepared, compiled, issued, assembled, transfened, published and otherwise.

22
').. -.)

reproduced cOnsumer reports regarding CRUZ, as that term is defined ini 5 U.S.c. *
1681 a(d).
106.

24

Such reports comained infonnation about tbe account that was false, misJcading and
inac;curate.

25
26
107.

Experian negligently failed to maintain and/or fo11o\'- reasonable procedures to assure

2?
28
I ¡

maximum possible accuracy of tbe infoimatioD it reponed to one or more third panies
penaining to CRUZ, in violation of J:) use §î 68 J e(b)

I I .11

Page -13-

Case 3:08-cv-00474-LAB-JMA

Document 4-2

Filed 04/17/2008

Page 14 of 37

108.

As a direct and prox.imate result of sucD conduct, CRUZ sUfÍered actual dfu'1age as set

2
3

forth herein.
109.

Experian is hable to CRUZ for the actual damages sustained by reason of such conduct,
in an amount to be determined by the trier of fact, as well as reasonable attorney's fees,

4
5

and may recover therefore pursuant to 15 U.se. § 16810.

6 7
8

THIR CAUSE OF ACTION: EXPERL~'\
VIOLATION OF 15 D.S.C. § 1681 OFTB;E FCRA

9 110. CRUZ'rei:;eáts and real1egks each and every allegation set fort above as. if reasserted and

1 0 realleged herein.

11 111. Experian prepared, compiled, issued, assembled, transferred, published and otherwise
12 reproduced eonsumer reports regarding CRUZ, as that term is defined in 15 U.S.C. §

13 1681a(d).
14 112. Such reports contained information about the

account '¿hat was false, misIeading and

1 5 inaccurate.

16 113. Experian wilfully failed to maintain andíor follow reasonable procedures to assure
17 maximum possible accuracy of the information it reported to one or more third parties
18 pertaining to CRUZ or in G'fedit reports supplied to third parties, in violation of 1 5 U.S.C.

19 § 1681 e(b).
20 1 J4.
21

As a direct and proximate result of such (;onduct, CRUZ suffered actual damages as set
- i.

Íoiin herein.

22

115.

Experian is liahle to CRUZ for the actual damages sustained by reason of sucb conduct,

?" _.J
24
? -)-

in an amount to be detennined by the trier of fact, together with punitive damages in an
amount to be deterniintd by the trier of fact, as well as reasonable attorney's fees, and
may recover therefore pursuant to 15 U .S.e. § 1681 D.

26
2Î 28

Page-J4-

Case 3:08-cv-00474-LAB-JMA

Document 4-2

Filed 04/17/2008

Page 15 of 37

FOURTH CAUSE OF ACTlON: EXPERLó,..N
2
..
;)

VIOLA TION OF 15 U.s.C. § 1681 OF THE FCRA
116.

CRUZ repeats and realleges each and every allegation set forth above as if reasserted and
realleged herein.

4
5

117.

Expe.r:an negligently failed to adopt and/or follow reaonable procedures to insure the

6
7
8
~ n~\
~J .

proper reinvestigation, accuracy, deletion and/or permanent suppression of inaccurate

information appearing in CRUZ'S consumer report as contained in its files pertaining to

9 10

1 ì 8.

,.": .:" .:. ~ ~ . L \ , 'i l ... ,.r ~~'
fort herein.

CRUZ or in credit reports supplied to third paries in violation of 15 U .S.t. § i 681 i.
As a direct and próximate result of such conduct, CRUZ 'súffered actu~¡ damages as sei

11 1 j 9. Experian is liable to CRUZ for the actual damages sustained by reason of such conduct,
12 in an amount to be determined by the trier of

fact, as well as reasonable attomey's fees,

13 and may recover therefore pursuantto 15 ns.t. § 16810.
14
15

FIFTH CAUSE OF ACTION: EXPERl
VJOLA TION OF 15 U.S.C § 1681 OF THE FCRA.

16

1 ì 120. The plaintiff repeats and reaJJeges each and every allegation set forth above as if
18 19 121.
reasserted and realleged ht,,-ein.

Experian willfully failed to adopt and/or follow reasonable procedures to insure the
proper reinvestigation, accuracy, deletion and/or permanent suppression of inaccurate
infonnation appearing in CRUZ'S consumer reports as contained in its fi1.es penaining,to
CRUZ or ilì credit reports supplied to third paities in violation of 15 use § 1681i.

20
21
,. " .:.!

')" _J

122.
i I

As 11 direct and proximate result of such conduct, CRUZ suffered actual damages as set
fortb herein.

24

..)
r¡ -

123.

Experian is liabl e to CRUZ for tbe acnial damages sustained by reason of such conduct,

26

in an amount to be òetcnnined by the trier of fact, together with punitive damages in an

'y _I
28

amount to be determined by the trier offact, as well as reasonable attomey's fees; and
may recover therefore pursuant to 15 U.S. C. § 1681 n.

Page -J 5-

Case 3:08-cv-00474-LAB-JMA

Document 4-2

Filed 04/17/2008

Page 16 of 37

SIXTH CAUSE Of ACTION: EXPERIAJ\'
2
..
:J
VIOLATION OF 15 D.S.C. § 1681 OF

THE FCRA

124.

The plaintiffíepeats anò realleges each and every allegation set forth above as if
reasserted and realleged herein.

4
5

1? "_J.

Expenan maliciousIy defamed CRUZ by its knowing publication to thd-parties reports
containing the account, and the fact that it was not discharged in bankruptcy, with a
balance remaining, anò enforceable personally against CRUZ.

6
7
8
,

126.

---.

9'

d irifo

:. ,. "", . ¡C,.
rnat ion

Experian haò actual knowledge of the false, inaccurate and misleading nature of such
and published it despite having SUCD knowledge.

10 in. Expenan's actual knowledge of the falsity and reckless disregard for the trth
11 demonstrates its malice and/or willful intent to injure CRUZ.
12 128. As a direct and proximate result of

such conduct, CRUZ suffered actual damages as set

13 forth herein.
14 129. Experian is liable to CRUZ for the actual damages sustained by reason of such conduct.
15 130. CRUZ Is entitled to an award ofpunitive damages from Experian in an amount suffcient

16 to punish it for its conduct as wen as to serve as a deterrent to it and to other to prevent
J 7 the occurrence of such egregious conduct in the future,

18
19

VI.

20
21

PRAYERS FOR RELIEF
WHERoEFORE, CRUZ demands judgment against GMAC and E-xperian 011 the claims

22
').. _.:

set forth above, together with the interest, costs, disbursements of this action and such other

relief as may be Just

24
') ~ -)

THE PLAINTIFF DEl\iANDS A JORY TRIAL ON ALL CAUSES OF ACTJON
ASSERTED HEREIN TBAT ARE TRIABLE BY JURY.

26

27 ¡Dated: January 25, 2008
28
!

Respe~tfUl!1~Ubmìtted: )

DOA.N i!,y\' FIRM. LLl,

By: l/ ,~Ft //Í~ MICllA&.: l,%no_AJΡ(~Y for CRUZ
Page - J 6-

/1 '~

Case 3:08-cv-00474-LAB-JMA

Document 4-2

Filed 04/17/2008

Page 17 of 37

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!l Coinpl"te Ìlerìis 1,2, erid 3. Aiso comp1elll

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l' Allech this card to the back of the inailpiece,
or on Hie front if sprice per nii1s.

!I Ptìril YOlJr rml\e and address onlhe reverse so that we caii rettlr'ii the card to YOll.

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Page 20 of 37

DOJi.J\; LEVINSON & LIL'"GFB)~, LLP
2850 Pic Pico Drive, SuÌLe D

Carlsbad, Caliromia 92008 Phone (760) 450-3333 . Fax (Î60) 7.0-6082
d1l-:m. Call

October 15,2007
EXDman lnonnation Soluûons

At1: Superisor, Legal Depa.'ierit
701 Experian Parkway
PO Box 1240

AJJen, Texas 75013
Re: Pameia Jean Cruz

Banptcy Chapter 7

Bantcy Fì1e Date: June 29, 2007
1'. , :_:'. .,'~~,.

," ;:ankruDtcv Case No: 07 -03493

.',"f

- Social Sec~ty No: xxx-xx-0877
Dear Sir or Madam:
_A. you may be aware, tbs offce'

represents the above debtor(s) with Tespect to a G.tapter 7 Bantcy Case
Service.

wherein discharge was enteed. Ericlosed you wil fid our Fir and Attorney of Record designated under the
Debtor(s)' name on the Ceriìcate of

Tne-enclosed copy of the Order ofDi.scharge as well as the Cerñcate ofSer:ce noW provide evidence of al sucb creditors wbose debts were dischaged on October I 0, 2007. Please update the subject credit fie(s) to reflect the
dischaged status on ali accounts reported

to you. Pursuat to the Farr Credt Reportg Act and the Reguations,

FTC Commentar, CDLA Guidelies, M:02, Fai Ciedit Reporting Act, CaliÎomia Fai Credit

Report Aèt,

Pai Debt Collecon Practices Act, and Discharge Injunction of 11 USC 5.4; you must now report the follo\ving
on al affected accounts:

1) "C-urrentBalance" of "$0.00"
2) l! Account Status" of "$l..OO _balance/closed account, l\

3) " Amount Past Due 11 of 11 $0.001" . .
4) "FCRA..Compliance!eliquency Date" as October 10.2007(date l)f discharge), and
S) "Payment History Prome" must no longer reflect payment.h.story and default.
To the extent that any of the discharged debts are repOrTilg anything other than as disclosed above, please consider

ths letter as a Dispute under the Pair Credit Reporting Act and a request that you imediately activate the
Automated Dispute Resolution

System Program with respect to tbis wrtten notice.

1n order to facilitate suchinvestigatiol1s on the disputed items, you are also

requested to forward frs letter, and the end osures, to eacb of fne creditors listed above. If for any reason you decline to send a copy of this letter and the
enclosures to .any of the creditors, please advise immediate1y.

Thanê you for your assistanCe: with ths matter.

s¡"cee1~ /j ß 7
.le e: ,. Kil, ~ttomifi a~ - A .. ey lOr Deb~Ol~i'

-ff(~ 1fT -:1 d ~
ericlosures: Dis7ge Order and Certcate of Service

Case 3:08-cv-00474-LAB-JMA

':

Document 4-2

l' Complele noms 1, 2, and 3. Also complete
item ~ if Reslricled Delive!)' Is desired.
II Piinl your 118me and address on tlie reverse
so Ihat we can ielum the card to YOLi.

P Attach this card 10 the back of the 111filpiece, or on the (ront If space pelTills

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Filed 04/17/2008

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Case 3:08-cv-00474-LAB-JMA

Document 4-2

Filed 04/17/2008

Page 22 of 37

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Do_tV. LEVTh¡SON & LIlJEGREN, LLP

October 15, 2007

.2850 Pia Pico Dnve. Suite D ' Carlsòad. CaiiÎomì~ 92008 Phone (760) 450-3333 . Fax (760) 720-60g2

TransUnion
Att Dispute Resolution Depa.'ient

dJ.com

PO Box 2000 Chester, PA 19022
Rp, Pamela

Jean Cru Banptcy Chapter 7 Ba.ptcy File Date: June 29,2007
Banptcy Case No: 07~03493

Social Securty No: y..-xx-087í

t: ~ , " .

... ,;

Dear Sir or Madam:

-A.s you may be aware, ths offce represents the abovedebtor(s) with respect to a Chapter 7 Banptcy Case
wherein discharge was entered. .Enclosed you wil :fd our Fir aiid Attorney of Record designated under the
Debtor(s)' name on.the Cert£cate of

Service. . .

The enclosed copy of the Order of

Discharge as well as the Cer£cate of Serice now .provide evidence of all sucD

creditors whose .debts were àíscharged on October 10, :2007. Please update the subject credit fie(s) to reflect the dischaged sttu on all.accounts reported to you. Pursuat to the Fair Credit Reportg Act and the Regulations,
FTC Commenta."'y, CDLA. Guidelines, METR02, Fair Credit Reportng Act Californa Fai Credit Reportg Act,
Fai Debt Collec:tion Practices Act, and Dischge Injunction of 11 -L~SC 524, you must noW report

the following

on all affected accounts:
2) 3). 4)
'5)

l')

"Curent:Balance" of "$0.00"
"Account Status" .of "$0.00 balanceJclosed 3eC01mt;"

II Amount Past Due H of il $0.0(1,"

"FCRA CompliancelDeliqnency Dater. .as October 10. 2007(date tit discharge),and
"P.ayment History Profile" must no longer reflect payment history.anddefault.

To the extent that any of

ths letter as a Dispute unde.r the Fa. Credit Reportg Act and a

me discharged debts are reportg arytg other than as disclosed above, please consider request that you imediately activate the

Automated Dispute Resolution System Program with respect to ths "vTiden l1otI.ce.
In order to facilitate such investgations on me disputed ites, you ar:ò.also requested to Íì;rwa:d ths letter, and the

enëlosurcs, to eacb of the creditors listed above. lÎ for any reason you decline to send a copy of ths letter and fue enclosures to any of the creditors, please advi.se immediately_

:::io~ íor:;t_'~:p mj¡
Je¿Ly.:. Atto~w
ey for rSebtor(s) .

_ ~=n 7 _ ¿J L/

enclosures: Discharge Order and Certíiicate of Service

~omplele Hems .1, 2, and 3. Aiso co,iiplete
A. Signaliire .fAii ..J l.èt:1el

:em ii if Resiricled Deliveiy Is desired.
o Aganl o Addressee

',int your n¡¡ino iincJ acltl,05S on the reverse

X (1

.0 Ihat we caii relurn Ihe card to 'lOll. illed) t1iìs carel 10 Ille back of the 111aìlpiece, II' on the fronl if space peimils.

13. 8ecnìved Liyrmlrf~t"'Ím~007Të:'õ~¡;-;¡;~fìve'y

the/a /\ddtfif¡!HXJ ló:

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'_',,',,'~w"_'m_'''m "'_". ..__.'_"'_'_"_

(1 lrisu:ed Mail 0 C.O.D.

~. Restricted Delivery? IF-orin: Fee) 0 Yes

¡tic~e NWllOel'

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ì-:iis(ú( ¡m¡¡ sú!vjçe Ipben
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Document 4-2 Filed 04/17/2008 Page 24 of 37

Case 3:08-cv-00474-LAB-JMA

Document 4-2

Filed 04/17/2008

Page 25 of 37

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Page 26 of 37

Do,bJ. LEV1NSON & LILGREN. LLP
2850 Pia Pico Drve. Suite D -

October 15, 2007

Carlsbad. Calomá 92008
Phone (760) 450-3333 . Fax (760) 720-6082 dl1:íTf.com

Equifax Information Service Center PO Box i 05873 A.tlanta, GA 30348
Re: Pameìa Jean C:i

Att: DisPute Resolution Depa.-rent

Banptcy Chapter 7
Bankruptcy File Date: June 29,2007

Bankruptcv Case No: 07-03493
Soci~ Sec~-ìtyNo: x::x-xx-0877

D.ear Sir or l\1adam:

~... , ~.':

As you may be aware, ths offce represents the above dentores) with respect to a Chapter 7 Banptc Case
wherein discharge was entered. Enclosed you wil :fd our Fir and Attomey of Record designated under the

Debtor(s)' n¡ie on the Cerficate of Service.
Tue enclosed copy ofihe Order of creditors whose debts.were discharged on October 10, 2007. Please

Discharge as well as the Certificate of SèrvIce now provide evidence of all such update the subject credit fie(s) to reflect the

discharged status on al accounts reported to you. Pursuant to the Fai Crdit Reportg Act and the Regulations, FlC Comentary, CDIA Guidelines, METR02, Faí Credit ReportgAci, C.aiÍorna Fai Credit Reportg Act,
FaiDebt Collection Practices Act, and Discharge :ijuncton of 11 USC 524, you must now report the following
on all afected accounts:

1) "Current Balance" of "$(LO(l"
"2) .1IAccount Status" of "$0.00 halanceiclosed.account,"
3) "Amount Past

4) "FCRA ComplianccleJinqueDcynate" as Octoher 10. 20Ü7(date of discharge), and 5). "Payment History Profie" must no longer ref1ect payment history and default.
To the extent that any of the discharged debts are reportg any-Jrg other th as disclosed above, please consider

Due" of'''$(LOÚ:''

ths letter as a Dispute under the Fai Credit Reportng Act and " reguest that you imediately activate the
Automated Dispute Resolution Syste-m Program with respect to this writtèn notice.

In order to faciltate such investigations on the disputed items, you.are also requested to forward ths letter, and the
enclosues, to cachof thecreàitors listed above. If for any reason you decline to send a copy of ths letter .a:d the
enclosures to any of

the creditors, please advise :iediately.

Than you for your assistance with tms matter.

enclosures: Discbarge Order and Certificate of Service

Case 3:08-cv-00474-LAB-JMA

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Page 27 of 37

Elf
Rei'. l(J/OS

United States Bankruptcy COUT1

1 elephone: 6,g-55j-561(i
Website: www.ciisb.U5COUl1S.!!o\"

Southem Districi of California
Jaeob Weinber"er U.S Courthouse
325 WCs! l' SU::C1

Hours: 9:00am-4:00pm Moiida~.-Fri¿ay

San Diego. c.A 9210)-699J

in re: DeòtOl' name/ó) used Ìiy the debtOJ in ¡he last E vears.

including married. ii¡aiden, ,;ode, and address .
Pamela .Jean CIUZ
1829 A vcmda Sevilla

Case number. 07-03493-LA 7
Chamer: Î

Judge Louise DeCarl Adìer

O~ansíde. CA 92056 ¡;)J(-xx-OS7ì DeDlor Afìases. Pamei" Gervaso:ii:Pamcla Cruz

Discharge of Debtor

it appearing mat the debtor is entitled to a discharge, IT is ORDERED: ' The debtor is granted a discharge under §ï27 of title J J, United States Code; (the Bankruptcy Code),

Dated: ioii DlÜÎ

By order of the COUrt:

Barr K. Lander

Clerk of the Bankruptcy Court

SEE THE HACK OF THIS ORDER FOI~ fMPOHTANT INFORMATWN

Case 3:08-cv-00474-LAB-JMA

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FORM B j f) ~ominu:d

EXPLANA TJON OF BANKRUJ'TCY DISCHARGE IN A CHAPTER 7 CASE
This court ordci grams a discharge to tbe peisOn(s) named as tbe debtor(s). Ii is nol a åismissal oftÌle ::ase and i¡ rioes liot deteniiine how mucb money, if any, tlie trustee will pay to credÜors
ColleCtíon of Dischare~d Deht~ Proliihíied

The dis::harg~ proiiibi¡s a!JY attempt to collect from the debtor(s) a òebt that has been discharged. For exampie, a

creditor is no! pcnnitted to contae¡ a debtor by mail, phone, or otbef\V1Se, to fie or continue a lawsuit, to attach wages ' or other property, or 10 take any other aciion to collect a discharged debi from the àebror. rin a case involving communiíy properTY) (There are aiso special rules that protect certin community property owned by the debtor's spouse, even if tha: spouse òid not file a baiikniptcy case.) A creditoi who violatc$ this order can be required to pay
damages and attorney's fees to tbe debtor(s).

However, a creditor may have the- right to enforce a valid licll,such as a mortgage Or security interest,againsHlic debtor's property aneí tbe bankruptcy, if that lien was not avoided or eliminated iii tbe;bankriiptç~:~ase.. .Aìso,a , ," debtor may voluntarily pay any deÌJt tlia, bas been discharged.
Debts Tbat are Discharaed

'.1.
",
..1;

The chapter 7 discharge order eliminates a debtor's legal obligation to pay a debt that is discharged. Most, but not
all. types of debts are discharged if the debt existed on the date the bankrnptcy case was filed. (If this case was

under a different chapier of the Banptcy Code and converted to cnapu:r i, the åischarge applies to debts owed when the bankruptcy case was converted.)
Debt~ the! are Not Djr;charged

begun

Some of the commoii types of debts which arc ll discharged in a çhaptcr ì bankruptcy case arc:
a. Debts for most taxes;
b, Debts incurred to pay l10ndischargcabk taxes (applies to c::io:er. filed on or after J 0I17!2()()5); c. Debts that arc domestic sappon obíiga¡jons;
d. Debts for most student loans:

c. Debts for most fines, per.altìés, forfeitures, or criminal restitution obJígations; f. Debts for persona! injuries or death caused by the debtor's operation of a motor vehicle, vessel, or aircraft while intoxicated; g.. Some debts which were not properly listed by the debtor;
h. Debts that (he bafÙ;"rupicy COiirl specifically has decided or wili decide in this bankruptcy case are not dischar!!ed:

1. Debts for which the debtor has given up the discharge protec!ions by sìgnllg " Teaffimiatiùn agreement in compliance with the Bankruptcy Code requirements for reaffinnation of debts. .1. Debts owed tö certain pension, profit sharing, stock tonus. other retirement plans, or to the Thrift Savings Plan for federal employees for cel1ain types of loans from these plans, (applies to cases filtd On or aftei lOll 7/2005)

This ínlormatjùl1 i~ only a general summary oftht hankruptcy discharge. There arc exceptions to these
general rules. BecllUSt the law is complicated, you miiy want to consult an àttornt~y to determine the exact dlect of th!~ dì-'eharge iii this ciise.

Case 3:08-cv-00474-LAB-JMA

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Bankruptcy 1'oiicin~ Cente:2525 Network Phict. 3rd Fioo:HtrilÖOlli Vir~íni:i :W171~35j4

~~
li
i:t
snig

CERTIFICitTE OF' SER\JICE
Ose~ aÒï.LE

Ois~~ic=¡o~t: 0974-~
':ase- 0'7-0349:

?orrr, Ib: ;:lE

Y6ge L of .!
To~~i Se~ec: 25

Da::t: KCVÒ: Jet. lû. 2007

1'h~

tOllC~lhS :~:~~~;;~~:~:~~~!:~~~' ~~;:~~~~~f~:!~v~ît~í ;:g?~~~;~t~~~O~8~~0~f~Ó~î;c D~.. SU1~e D,
C~__~~ad, CF. 9_000 ____
,t,t.1~~~~~~i¿ - ?l~~nD= i V~~a~~E L~:~~ns~~~~st~~:tg~e~2ûoa Doar;, :-a~~' anò ?=rofessionê.l l'~::race, "1~~ncy ~O;L.f ~. :.~O :~xe 4;;i;';::.ø s~n Dieoo. ÇA 921r..2~D~i;8
-+i..i.V, 0.. ..ano_ .:..andt:_d.. ..¡.fo...._rnen.., 7575 Me::i:opolit:.an Driv'9, Suit.E= 2.:1 C i

acy at)'

Sa~ Dieoo, ÇA 92102~4~24

sms
smg

~Dun & Brãds:=ee~, A::r.: ~líc R~cordsi Ma~yan~~ Bachert,

.Be~hlehem, PJ;, 18025-0025 +E~lcy~en~ Devé) 00. D~~~.) S~a~e 0: Ck.
sà~rá"en~o, CA 5~260'OOU:

B99 Ëa t.OT: Ave

Bankr~ptcy Onit -

nc ,E.

!',O. Bo,; 32ô8BO,

smg
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+S-ca::c Boa::d 0: E-;;ua2.:za:.io:i, .0. 50): 942ê7g, Sacrament:o. CJ.. 9';2.19-0001

9l3Aó6S

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,: i

9D4672
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..HOUs~HoLD BJu\lK tsò), K.t..,

.~Chas? Homi- Loans~.. ,È..o. 5p): 7B:iic, ?noen::y., A4.85062--2116. _... ,';'.
l..ucson, AZ 857::2-10&3

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.HSaC "est Buy, ?O ¡¡ox 15521, Wilming~on, DE :.985G-SS:ll
-+lJ aCe; Councy l1ss.zSSQ!", PO ~Y. '7790. Aubuxni 0, ~560'; ~ 7790

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913, ;;84

su::t:Ë!" Connect, PO Bo); 255(i48. Napavine, WA 98565

;.The Cir.v at. Lincoln, 64(' S;,h SL:,ee:. Lincòln, CA 95;'';6-1S'J6

-The hom~ òeoot/CBSD, P.o. 3cy. ôo03, Hage~stcwn, ~ID 21747-£003 .Tr:: Cioy He¿ìcal cente=, File 53706, Los h."geJes, O. 90074' 0001
.W",115 FaZ'go Ban)" P.O. BO), 5445, Po::tland, OR ~72211.5445

~US~~ Feôeral Sñvings Bank. PO 80x 660986, Sa~rBffen~o, Çt 95866-0986

"1rie ioiio..:íng enci:ies were ge~V$Ò by elec:ron¡c ~~ansmisE~on on Occ 11, 2007. smg ED!: CA1/rAX. COM Oce :"1 20C? (14.: 50: OC F'~anchise Tax Board. i\c::n

5"'
uSt
9~34669

f.-mail/?OF; uS:P,=u9icn15~u$èoj.gov oc~ 11 2007 08:00:21 4 02 ~es~ S~oaòway, SC~, 600, San Dicgo, ~. 9210! -8 51!
.;:D1: BANKAEF..COM (Jet 11 2001 0" :SO,C(1 san!: or At'''Yica, Wilmln9~on, D~ 19B84 - 2211 4'2D1; CH,l\SE, COM Oc:; 11 2007 O~ :50 d)D Chase ICir~ui: ci ~y"
Kep~esù~, GA 301~~ -3R~2
Ncnorionee Falls. i.n 530.5J.-5G60
,;:D1, WTRRN3ANJ: .

P.O, Boy. 2952:, Sacranien::o, CP. 95e12~2952

Ban;:rup~.:y ,

~E-mail/PDF: ustp Yegion15S~sàoj .gov OC~ II 2C07 Oe:OO:2~ O~£icc of ~n~ U,5. Trus~e~. 402 ~es: Broaciwav, SU:E 6001

Of~icE of ~he U, s. T?:us:e., Urticed S~a~es TruS~ee.
San Di~go. a~ 92102.-£51) ~OOO Samose:: l
?:2S CÏ1as'Cain Meaòowf1 CT NW

;il~4t71

9lH67';

9134675
91346Hu

+EDj; C'èSY.OHliS.COM ücr, ::i 2001 0'; :SO~ûo Kohis/chase, NSf;\'l:70úO ~b.dge~:oo¿~
COM Oct; 11 2007 0, :50; 00
Minneaoolis, ~N 55440-06"'3
TNB-'l'arQc'C ,

-¡.ED!: HF~.COH O~t 11 2007 ()4:50~OO HSBC Best BuvJ PO SO): !.5S2~, Wilmincit.on,

Dr lsi50-~r,Z¡

PO Boy. GÎ:!.

Mails::op óCA,

913,682
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+ED1, USAA. COM úcl 11 20ù7 O~: SO: 00

+EDI, \;FI'C.COr. O::c. ;,) 20Cï 01 :SO:OO
F'crcland. OR 97:228-5443

Sai: lUl~onio, TY 782B8-1600

üSÁA Crcdi: CaYd

Servicef,.

10750 f1=de;:rnot:t .Fwy,

nèlls ~argo San!:,

p.o, no" 5H5,
'I'O'l).J.- 10

us::

~..~~ E~P~~SED P.ECI?I£NTS (unòtlivc=able, ' duplicacei ~F~'? UST
'fOT~,LS : _ , . 0

l~åcrt:ss~s marb:::ó '..-' we=~ ::o=-r~c'C~ò by inse::::ing toe ZI? O.~d :reDlút:i,ni; an inco;:t"!.~=r. ZII'. USPS :n~gult\:.ionz requi-: '.:ha~ au:cma;:ion-compatib:ie niaiJ: d::sçilà.y til~ ~ ç:orrec\; ZIP.

J, Jost:ph S¡it:cljen5, ucci~rt und~r tIlt.' fl~nalty of p~rjury that I have served tllt ,,£iadied doculIent on tht iil)(vt lisled ciilíit:s in the m:innt:r
soo\\n, and prè¡iar~ù tlii' C¡;r1ifÌLii(C or Service :ioil ¡h¡1l ii i.\ tnJ(' anii correcl tu the !iesl of m:' information and helief.

FirSI ¡V"cting of Cr"ùiwr Notices oiily (Offci;,1 Fiirm 9): l'iir5u;,n! tii FeiL R. Bank. P. 2002(;,)(1), " notice cnnt3inill:! tiE, complcie Sucial Stwriiy I'umbcr (SSN) uf the debior(s) w,,, furnished to all parties lisled, This official cuurl cop:' eoinaì", thi: r"dueied SSJ\ '1S rttjuirtd
by tll~ li;inlirUfltçy rules and the .l"úkiar\", prì\'liCy fwJiÓes.

!Jaii:: Oct 12. 2BOï

SigJUHUr~;

1 ft ~' f (j J~l-4¿'/ ~~-

Case 3:08-cv-00474-LAB-JMA

Document 4-2

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Page 30 of 37

FORI\1 BÍ;A (ChBntu i IndivIDual or Join! DeniO: Nt, l\S$~r rz~eì r::2l0:S'

enS" Nimih~, 0-;-11:"49:'-1-.' '.

I Ul\rrTED STi\ TES BANKRUPTCY COURT Southern District of California
Notice of Chapter 7 Bankruptcy Case, Meeting of Creditors, & Deadlìnes
A chapi:; 1 bankruptcy case concern ¡ ¡You may oc" cr~ditor of

in!! iÍl~ debtor(s) i¡stcd ode\\ w"s fied on 6t29fOï.

the d'.bior. Thìs noiic" lísrs important deudlints. You may wam to eoosu i an anorney iO protect your Tlghis.

IAi! do~umcins flied in ih~ cast may be inspected at ihe banknipiey cbk's ofr.: at the aòdress l¡sied below. NOTE: Th~ s,aff of the biinkrpicv cicrk's oñic~' ealHIO¡ !live lc!1a\ advice.
i

See Reverse Side :For Important EXDlanations
Debtor(s) (nnme(s) used by the deo:or(s) in the last ò years. iiieluding marred. maiden, irade. and address): P"melô Jcan Cruz
aka Pameln Gervasoni, aka Pamela Cruz

1 J829 Avenida Sevill"
I Oceanside, CA 9205ri

¡Case Number:
;1 ~ï~O~~ 93":L:~~7, : " . '. '. ,_ ." '~l

...I~~~~;:.;:~~~t/T?_XP:V:~.!DÆ,~ìPl~?'~~IDfOt~cr Nos.:
¡Bankruptcy T rusiee (ii¡m~ aiitr;ddrc";s.i: -

II Atlorncy for Debtor(s) (name and address): .Jeffrey D. Larkin

Nancy Wolf
San Diego, CA 92 11'.0. Box 420448 J 42
I

IDoan: Levinson &. Líijegren, LLP 2850 Pio Pica Dr.. Suile D Carlsbad, CA 920ûí;

Teleononc !lumber 7(,0-45(\3:333

:Telephone number: (619) 239-9653

Date: August 9,2007 Time: 08:30 AM
Loc3iíon: Offce of

Meeting of Creditors

the U.S. Trustee. 402 W. Broadway (use C Sl. entrance), Suite 630. San Diego, CA 9ZJ 01

r- Presumption of Ahuse under 11 D.S.C. § 707(b)
I See "Presumption of Abuse" on rcvers~ side.
I The presullption of abúse does no; ariSe.
P~pers mu,t be recciV(d by tite bankruptcy clerk's offce by the following deadlines:
I

Deadline 11) Fill- ~ COmpliiill Objecting lU Discharge of th~ Debtor or to Determ1ne Dìseliiil'geabilty iifC"rlÚI1 Dehis: 1019/07

~,. '.,', -Deadline to Object to Exemptions:
Thirtv 130) diiys af¡er the cOncÎusion of the meeting nf creditors.

Deadlines:

¡

i

'¡ 1n mo,t \Ili;¡¡inces, the fiing of tlir bankruptcy case u\llomaticaHy slays certain collecti(ln nod other actions agaìnsiiiie debio! 3iid the

debtor's propeny. Under certain circ\lmSlanccs, the smy may be liiiii~d \0 30 days OJ not èxi~i at aii, although the debtor can "eau~st the
eourt H, cxtend or impose a siay. If you uti~mp; tQ collect ¡i debt or iake oiher action in violation of1Ìie Bankruptcy Code, yvu may be

penaiized. Consult a lawver lli deicnnine vour riuliis in this cus~.

Please Do Not :File a Proof of Claim Unless You ReceÎve a Notice To Do So,

. ..

Creditors May Not Take Certain Actions:

I Foreign Creditors
IAddress of the Ba nkrufltc~' CleiV, Offce:
IJacob Wcìnber!lt:r l'.S. CounlioU$è
i

-

on tbe re\'erse side LA credJlor Iv wÍlom this nOlice ,s sent at ;i forei!!n ¡iddrcss ~liOUJÒ rL,id the mformiJ\.on undcr "Do Not F ilc " Pwof orClaim al Tnis Tim!'''

IClerl: of \h~ BUikruPlCv Cour::

i For th,. Courl:
I

Smi Diego. C/; 9: lü 1-699 i

IEU:T;' K. Lander .

T eleplioiic' number 1325 West J' Str(;c¡ 619...55ï..:i(,:W
l'ÄJcbsiie: \.v\.V'w.ca$b.u~courts.tlo\' _________,____,"'

~H.ours Over.; Monan\' - FriÙ2\' Y:OO Ar'll -- 01:0(' PM

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Page 31 of 37

FXPfÁN.;TIONS
í

P'01~ tv~. \.Üc i ¡ :!n.;,

IF'" f ~I '
Bankruptcy Case

. iung 0 \. Hipter ¡

A bankrptcy ci~e unòer Chapter i ùÎihc B;;nkruptc~' Code tii::e ¡ 1. ljniteà States Coóe) has b::::n fied iii this court!! by or agamsi ih:: ,k:brorÚq lís:!:d on the :iron: s~dt, 2nd ar~ oròer fo: rdicf has b;ten eniercc.

. 'I
i I

Legal Aåvice

The Starr or th~ bankruptcy clerks orfic~ connot b!ivt legal ad'.'ic~. Consuli ¡; lai.vy~r to óeicmiiü(" you~ rights in

this case.

I

Crediiors Geiicraliv Prohibited collection actions are listed m Bankrp;c~' Code §36::. Common examples of prohibited actions include May NOt Take Cenuin contacting !he debtor by telephone, n\Jil or otherwise to demai;d repaymem; iaking actions to collec! money or
AcÍíons

ob(¡iin propeny from the åcbtor; rep()ssesslIg the deblOr's prop;:i.; starting or continuing lawsuin; or foreclosures;
and !.lUl1ishínc or dcèm::iÌnc front the d~bto.i.is Wt1IlC!L Under CCn¡¡iii Ci¡CUm5tanccs tilt .'fa\' ma\' be iin1i1~d to 30

dnys- or not ex~st at all. :ilih'õugh the debior can request the coiin 10 ei;lcnd or impo'se "st3)" . .
-i, "i.p;~~~PtiÔ;~oÚ\~~~
!

l~t;;e prCs.imi.tíG,D,~f~Js¿',~ri~ts:ercditors_m~y hnve;;iet;i.glit ;~ fi;e ~moti~1.1 'tQ ~¡jsmis¿~the c.~sc unde;,§ 7.07.(li¡,0¡1
tne: Uankniptcy C()(lC. 1 he ocbtor may rd)u¡ ll1:. presumption by showing Spe!;ia) Circumstances. ..', '
¡ j

...~..'"...:-~

Meeting of Creditors

A meeting of crediturs is scheduled for Tbe dnie, time and location listed on the front side. The deblOr (both spouses in a joim case) musr be prt:senl 01 ihe lIeeling )0 be questioned under oaih by ihe lrusiee and by credilO," Crtdiiors
are welcome to a!lend, bu¡ arc not required to do ~O, The meeTing may be continued anù concluded at a later date
without further IlOtice.

Do Not File" Proof of There docs oot appea, 10 be any propcrt' available w thc trust::e to pay creditors. l'oiil!iel't!Îol",' should nOljìle a Claim at This Time proof of dliim (I IhÜ lime. If i; lme, appears that asscts are avai\abi:; TO pay crcditors, yOtl will be sent another notice
Telliag YOll tha1 yo~ may fie a proof of

deaòiiiie, ~'" ~

claim, and iclling you the deadline for filiiig your proof uf claim, If t!tis

noiice is mailcd TO ~ crediTor at a fUr~!!!1i address. the crediTor mav fie a molÍon reqiie~iint? th~ eourtlo ~;(ICiid the

Di~chargc of Dcbts

The debtor is seekinc a rlisebar!!e öf mOST debts. wbich m~" indudt "our debt. A disdiar~e means that VOliinav
!lever try 10 collecl the debi from the debior, If yo~ believe"lba: the o'i:bio, i$ nOT :miiled ìO receive a dísch"rgc 'under

Baiiknip!cy Code §in(,,) or that" debi owcò to you is Hot dìs~imrgi:(lblc under Bankruptcy Code §523(:i)(2), (4), or,
(6), you musT STurr a lawsuit by ûling ~ cumplaint iii the bankrupTCY clcrk's offce by tÌlt "Deaùliiie l( Filc :i I

Complaint Objectiii!! 10 Discharge of the Debtor ono DCTermin~ Dischargcnbiiiiy ofCcrtain Debts" listed on Thc
froll side. The bankrupTCY clerk's offii:e mus\ receive thc comphiiii anó any required íiíin¡; fce by Tilat De"rllio",
I

i Exempi Propeny

It' creditors The dcbtor miis, íile 2 list of all property claimed ~~ exempt. You mny in~pect that

cli:rl;'s office, Ifvou bdicve thai an excmptíoo claimed \1)" the debtor is not authorized hy ;:)'..., yO\! mol' file at!

Thc ùcbtnr is permilltd by law to keep ccnain ¡iropcn)' ai; exempt. Exempt proPCrty will noi be sold and dis.tribui;:d lis: a1 tll': buiikruptcy

objeciit1l\ lù thet ~'xcin¡iiiol\. The bankruptcv clerk's tifiÎce nHl~l receive tbe objections by ih~ "Deadline to Object 10

Exemptions" jisti:d on tht front siue.

Offce
I Bankruptcy Clcrk's
Forcîgn CrtùÜors

Any paper thai yuu Jìje in 1l1is butlKniptcy c~r.~ should bo îili;(; :i1the banhupky clerk', "Hice a! tk addrcss iìsied
or ihe íroo! ,ide Y 01; may inspect all pnpcrs iied. including ¡he ¡is! or the debtor's property and debts and tht lis;

the property ::iaímed '-s exempt. .!I th~ bankniptcy dCfk~s office.

Consult ~ Itnvycr l3mil¡ar wiih UiÚt~d Sìale~ bunkn:prcy i¡1W n you h¡¡ve any questions re:g¡irding you; ríght:\ it: this

cast.

Siòe fQrJri:p,Q)J.aJJ.LlltiòJ ine;s, and NOtjCè$-

Case 3:08-cv-00474-LAB-JMA

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Page 32 of 37

Liuíted States BauKTUotcy Couii Southern District of Caii'fomia

Case Number Oï-03493-LA 7

Nancv Wolf P.O. Box 420448 San Dicgo, CA 92142

TRU TEE RFOUfREMENTS
The Truste~ requires tiial Debtor(s) sbow a governmcni (picture) lD and evidenc:: of their social security number
l~¡ tl;e ~41 (a). S::r.c~tod_:'s ,I:eerì?R'. _._._.,.... ..:..: ..... . _. .c.... ..... :~:_ .":~:' ..,.~.. .~.

I Debtors are to provide tle Trustee with wrinen documeni.Üon supporting income earnings as set forth Í1i Schedule 1 of the debtor's case within 15 days of the fiing of the case, If òocuments are not provided, the Trustee may move for dismissal of the case withoUT further nmice to the Debtor or creditors. Alternaiively, tle Trustee may seek an extension of time to file to move for dismissal if the Trusree is invcstigatmg a.~sets of the estate, without further notice to the Debior or creditors.
Debtors and debtors' attorneys must review the Standing Administration Guidelines immediately to comply

with the productíon of supporting documentation of material repres(~llted in the Schedules and Statement of Financial Affairs. Failure to do so in a timely manner roay result in continuances of Meetings and additional
appearances. The Standing Administratìon Guidelines are available on ¡he internet at:

htt://v.rvrw ,ciisb.iiscourts .gov/P D F &Downl oadstG ULD ELlNES.F Df

DiSMISSAL OF CASE
Notice is given that this case will bc disniisseà if the debtor(s) fails to pay the filing fee rursuant to Imt.'rim Rules of Bankruptcy Procedure 1006 This òismissaJ will occur without further notice.

Furthemiore, nOtice is given tha1 iftÌ1t Debror fails to ííe schedules, Staicl1ents Of other documents required by Interim Rubs of Bankruptcy Procedure i 007 and/or 11 U.S.c. 521, or if the Debtor Dr Joint Debior faiis to appear a1 the §341 (a) meeting that the Coun, Trustee or US Trusæe may move for dismissal of the case without further notice 10 the Debtor or credilOrs

NOTICE OF F1LING.F FTNANCIA.L MANAGEMENT C JRSE CERTIFl ATE
Notice is given thalthis case will be closed with no discharge ífthc dcbtor(s) fail

Management Course Ccriiucat¡- within 45 àays from the conclusion of the 34lia) meeting.

10 fie the required financial

I BAblKRLTPTCY FRA UD
r

i If vou have information re!ldTdinl! an\' biluknJjtcy fraud or abuse. oleasc comac! the United Statcs Trustee iii
lwriii~g a! 402 West Broadway, Suitt 600, San Dicgó, CA 9210i ancìior by call1lg 6J9-557-5013.
ì

Far the Court.

Dared: 7l2107

Bam' K L:mder. Clerl: ünii;d States Ban\:t!Dtc\' Coun
S:ilithcm Dìs!rici ofCali'fomia

Case 3:08-cv-00474-LAB-JMA

Document 4-2

Filed 04/17/2008

Page 33 of 37

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