Wes Johnson VS Wells Fargo Home Mortgage Inc. et al.,, No. 3:2005cv00321 - Document 264 (D. Nev. 2011)
Court Description: MEMORANDUM DECISION AND ORDER. ORDERED that the arbitrator's award of $5,410 in damages for foreclosure fees in connection with the Fessenden property is vacated, and the remainder of the arbitrator's award is confirmed. ORDERED the court enters judgment in favor of Plaintiff Wes Johnson, and against Defendant Wells Fargo Bank, N.A., in the amount of $720,308.11. LET JUDGMENT ENTER ACCORDINGLY. Signed by Magistrate Judge Robert A. McQuaid, Jr on 8/17/2011. (Copies have been distributed pursuant to the NEF - DRM)
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C. j2 , t s q.t Fa rCr d tRe ri , 2 S. j 601 e . e , he i e i po tnyAc I t FCRA) 1 U. C. j1 , , 5 S. j 681 1 e .s q.t Fa rDe Co lc i Pr c ie AG ( 3 t e , he i bt le tons a tc s FDCP , 5U. C. j 1 92 e .s qua f A) 1 S. j 6 l e nd or 1 neglgenc ( 4 i e. Doc.# 66. ) 1 5 On 0c o r29,2007 t c tis d a or rg a tng s mar j m e a t t be , he our s ue n de r n i um y udg nt s o 1 Pl i if RESP FDCPA, nd n g i e eca ms a de ngs m a yj m e m t t 6 antf' s A, a e lg nc l i , nd nyi um r udg nt s o he 1 FCRA ca m. ( c # 9 ) W ih r s c t t FCM cam , hec ur f und t tt c e t 7 l i Do . 4. t e pe t o he li t o t o ha he r di 1 r t obt ned i c 8 epor s ai n onne ton wi. Pl ntifscom m er i ll ci t ai f h c a oans do notf lundert FCRA, al he 1 butt eobt nedw ih Pl ntf 9 hos ai t ai ifspezs -onal i of edi ndper lnes cr ta sonal fnanci et um er ngar kons 2 r po t 'f li wihi t c ve a eof heFCM .(1 a 9- 3. 0 e rs'alng t n he o r g t d. t 1 ) 21 On No mbe 30, ve r 2007 W el Fagomo e f s , ls r v d or umma yj me tm t Plitf' r udg n s o an if s 22 s vhrngFcM c ai , gui ha ti sed on c edi Pl ntf oughtf ur i l m ar ngt ti sba r t ai ifs orbusi spur nes pose s. 23 ( Doc.# 1 ) On M a 1 2008,t cour is an or g antngt m oton i part and 05. y 4, he ' s ued t der r i he i n , 2 d n/ngii pa t ( c #1 3. Tbec t etr tdt the ewe ege ui is so m't ra 4 e tn r. Do . 5 ) our r ie ae ha t r r n ne sue f aeil 25 f c a t W el Fa gosla lt unde t FCRA.( . 1 a 9. Ne t t c 'a l e a t s o ls r ' ibiiy r he Doc # 53 t ) x , he oul nayz d t 26 eac ca e y of Pl ntf' c ai ed dam a i vi ly. 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Doc 1 7 # 1 )The agr t t Fe a Ar tatonAc ( )woll appl andt alpr ous 94. y eed hat he der l bir i t FM zd y, hat l evi i 8 o de sa nli se e e byt c ul woul bebi ng, a i a e or e bl @d. The r r nd lng nt r d he o ' t d ndi v ld, nd nf c a e. ) 9 pa e Y smum al e e t dr dr dj dc f ecaio ni udof lys l ce e e c eo i lf r aco Appe M iha l t, s he r z, c e No ta t i 1 ar tat ,and he hear t m a t i Januar 2009. ( c Doc # 21 Ex. A a 2- ) On 0 bir or d he ter n y Sc . O t 3. 11 Fe a y 24,2009, tceNot i ued hi ar t aton awar fndi W elsFar vi at t bnl r Jus i t ss s bir i d i ng l go ol ed he 1 FCM .( c # 2 O Ex.A a 6. Hee t r d a a do da g si t a o to $26 91 2 Do . 1 ' t ) n e e n war f ma e n be m un f 0, 0 1 i fvoroft Pl ntf, okendownasf l ()$1 ooof t Er W aypr ty;( 3 na he ai ifbr olows: 1 5o, or he na opel 2) 1 Sl ooo i e ina d sr s ;( $5500 f t d c e e i c e tlne o Pli ifs 4 oo, n moto l ite s 3) , or he e r ms n r di i s n antf 1 Pr i a a Ba k o Ame i. c e tc r ; nd( $541 f rf e l ur f e r l t dt t 5 ov din nd n f rc r di a ds a 4) , 0 o or cos e e s ea e o he a 1 Fes enden pr t ( 6 s opery. Doc. # 21 Ex. A at6. l an am endment t ar t at awar o ) n , he bir or ded 1 Pl i if$3 , 1 i c s.a $4277 96i a t ne sf e .( . 21 1( B)a 1 ) 7 antf 7 069.5 n o t nd s ,38. n tor y' e s Doc # 0- Ex. t 2. 1 Thec tc fr e t a bir t rsa r a e e e j m e .( c # 201 2 ) 8 our on m d he r t a o ' wa d nd nt r d udg nt Dô . - 02. 1 9 W elsFar fl d a m ouon t vaca e orm odiy t ar t aton a ar whi t c l go ie o t f he bir i w d, ch he ourt 20 de i d.( cDoc # 21 21 , nd 2 ) Bo h pa te a pe ld.( c # 204, 6, ) The n e Sc . 0, 5 a 25. t ri s p a e Do . 22 229. 21 Ni . Ci c tcoul of nt r ui h Appeal s uedi opi onon Fe si s l ni bruar 1 201 r andi hecq ewib y 5, 1, em ngt s t 22 i t uc i ort cotr t e ons de hem oti oc im andvaca et bir orsa d ns r tonsf he l t or c i rt onst onfr t hear t at ' war 2 un rt FAA.John on1.W el goHomeM o t ge 635F.d401 41 41 1 ( t1Ci. 3 de he . s J l sFar rga , 3 , 2, 4- 6 9 l r 2 201) 4 1. 25 26 I LEG AT. l. STA N DA . D R Tbepartess i at t e eri o bi ng ar t aton and s ci aly pè ded tl a i tpul ed o nt nt ndi bir i pe sc l ovi lat 27 par ym a appl t t c 'f an or c t y y o he oul or t der onfr i an ar t aton awar i acc danc w ih m ng bir i d n or e t 28 . 3 h ; z % ' . . . j 1 t FAA whih t c ul mus gr tunl s i va a h , odi sorc r c. t a r ( . he O c he o ' t t an e s t c t s m fe ore t he wa d. Doc s j p 2 # 1 )TheNi hCic tc nfr dt sanda dtl'oul s al et r viwt a bir t ' 94. nt r ui o me he t r lec l h lus o e e he r ta ors ) 3 awar i t s f t i t FAA.Johnson,635 F. at41 416. d s.hat et or h n he 3d 4- 4 5 Thedit t o shc c udma ymodi o oreta a r na f e numeae i a : / rc r c n wadi nyo Gr ee rtdjm doc ( )W he et r wa a e ntm a e ilmic lulton o fgu e ora e de a r he e s n dde t ra s a c a i f r s n vi nt 6 i t e aw arr n h d 7 unl ? i i a m ater not afec i t m ert oft demson upon t m a er es t s t f tng he is he i he tt 8 m at i m it i t des r pton ofanype son, hi orpr o r er e o eral s ake n he c i ' l r t ng, ope ef r dt ( W her t ar tat shaveawar d upon am a ernots it t t , b) e he bir or de tt ubm ted o hem s ubm lle t d () r hea r i i e d i matro f m no afci heme iso t c Whe ei wa d s mp de n te for t fe tngt rt fhe c r ont over y. s 9 1 0 11 1 2 Theo de maz ihp dc r c a d,om oefc t n e t r o a r r lmo an oretie war s st fe t heit nthe e f nd pr m o ej tc be we nt pa te . o t usle t e he ris 9 U. C.b1 . S. 1 The dit i tcourtm a vac t an ar t aton awar src y ae bir i d: ( )whe et a r wa pr ur dbyc nz ton? r uds undueme s 1 r he wa d s oc e or p i fa or an ; ( )whe et r wase i en pa taiyorc ml toni t a bir t r , ret r 2 r be e v d t r il t or p i n he r ta o s o ihe oft ; hem 1 3 ( rher t ar tMt swer guit ofm icondpc i r tsngt pospoqet 3) e be bir or e ly s t n efzi o t he 1 4 a dlguansh ce rasyowno i rr ljt ho bie h ttgn hamaeplouf l tcue;oo,rohfsnealrvwhc jeles nrntrotte o oeshrfn n eu s hva e dpe riht e ,l f n - rs ay t mi o y l r t q n ofa partz ny ) hav:been pr J c or e uda ed; l 5 ()wheet blrt se c e dt ipo rjor oi de tye c j dt m 4 r hear taor x e de her we s s mpe cl xe u e he t tamutzl fna,a d de t a r upo t es j tma trs ltd wa ha ta , l n lnie wa d n ub ec te ubm te s 1 6 notm a de. 17 9 U . C. 1 S. j o. f t s hough t wor f a f tdi egar f l do notappeari tl FAA,t y ha Al he ds m nies sr d or aw' n le he ve 1 8 c m e t s n, a aj dii g o s o ta sa ar f va a urs tf rh i F j, a ( . o o e e s u cal l s n le t nd d or c t e o t n AA o( )4)' ' 1 9 . Jo on, 5F.d a 41 (ii Ky e a Co p.t.Pr ntalBac Tr Se v .I .3 hns 63 3 t 4 ctng oc r r 7 ude i - he ade r s, nc, 41 20 21 F. 987 997( t Ci. 2003)( nban ) Bo ac t.S6war 5 F.d 1 3d , 9b r e c; s k ? d, 86 3 096, 1 ( h Ci. 1 04 9t r . . 2009) asam ended Ocober26,2009;andHalSteet s i e ,L. C.l.M ate,I 552 , t l r As ocats L. J tl nc, 22 23 U. . 6, 5 ( S 57 58 2008) .f a f s dir g r o t l w'i dho t nd f rasa t or g o ) s nie t s e a d f be a 's d rba o t tl y r und M s t undert FAA.s i aly 9U. C. 1 a ( ,whi sat t t c 'mayvac e' e he , peclc l S. 5 o( )4) ch t es hat he oul t at wher 24 t ar t at se eede t 'rpow er ' Com edy Cl Inc. l. I ov W ' he bir or xc d bei s.' ' ub, ? mpr e srds ocf e 555 s ct s, 25 F.d 1 77 1 90 ( hCi.2 3 2 , 2 9t r 009)( ii Kyo e a, 41F. a 99 ) Gl l nie tdir ga d ha ctng c r 3 3d t 7 . sM a f s s e r ' s 26 27 28 4 ' . i $ : . . ! 1 I I , : : , s wi e HalSre à nt c Ent Ni h Cic t, nd s wea ebo dt ap yi. Joh on, uz v d l r c i a t i he nt r ui) a o r un o pl t ns I 2 635F. a 41 n.1 ( ti Comedp Cl 553F. a 1 91. 3d t 5, 1 ci ng ub, 3d t 290- )3 3 i f anies di r d oft l ' m e T om e hi beyond and dif entf om am er f M f t s egar he aw ' ans f s t ng fer r e 4 e r i t l orf l e on t pal oft ar t at st under t and appl t l w .' r or n be aw aiur be 4 he bir or o s and y he a ' 5 Colf 1.D. Horon I 5 F.d 87 87 ( t Ci.2007 ( uot to omit d ; c alo lns J R. t , nc, o5 3 4, 9 9. r h ) q a i n te ) s c s 6 M ih.M ut I .Co.u.Uni d Se .I s Co.44 F.d 826 83 ( t Ci.1 ) $ ltmls c . ns gar c n . , 3 , 2 9. r 995 . $ ) lt h E 7 bec e r t r or hat hear t at sr ogni dG eapplo bl aw andi en i e t' l arf om he ec dt t bir or ec ze i el gnor di ' 8 Co dyCl , 3F.da 1 90(nt r l t to a ksa ia i nomit d) Furhe m o e me ub 55 3 t 2 i e na quo a inm r ndct to te . t r r , 9 Rtheg ve ni lw al g d t ha be n i r d by t a bir t r m ts bewelde d, Eq o r ng a le e o ve e gno e he r ta o s ut l Yne 1 e i t and c eary a i bl ' Colf ,505.F3d.at879- s e alo Cart r ?.H ealhN et 0 xplci, l l pplca e. ' lns 80; c s e J t 1 o vor a,3 4F. 830,838( hCi.2004) ' ibe e r ne uslg lc l insno 1 fcal ni 7 3d 9t r .' t r ro o e a oncuso Ne r 1 uns t nta e f c'a fnd ng jltf f de a c tr v e ofa a bir la r unde t 2 ubsa it d a t l i s ts iy e r l our e i w u n r t a wa d r he 1 s atze, c i unam bi 3 t tt whi h s guousi t sr n hi egar ' Kyoc a,341F. a 994. d. ' er 3d t 1 4 1 5 1 6 Thee ki a bi t sm ayc % ei egover ngl i pe tyi ec se tar ka or ons ni ar m dec l ni om ofdei i adecii t at pt i goodf t t l e e her l lverng son hat lem . n s aih o nt rpr tt eevantl aw, orm a a e r sw ib r ped t hee de eon whl ht ym ke r or t es ot vl nc c heybms he rr i et i ulngs, i ars hatevenr t oar tati ms um e andsuchlgalandf t er or j ikt paryt bir on s s, e ac' ual r s 1ef out i t c egor ofconduc embr edby b1 a)4) l ar sde be at y ' t ac o( ( . l f al 7 d. t oo3. 1 8 M confr ed by t Ni . Ci c t t FAA ' t m he nt r ui , he h t andar ar hi y de er i lt t s ds e ghl f enta o he 1 ar t at 'Johûs 635F. at41 s alopower 9 bir or. ' on, 3d 4; ee s Agent nc.l.El c.D at Sys.Cor , l J e a p.358 2 F.d 1 87 1 93( t Ci.2004) Thea bir t ' a r f a m a wiho e pl tonof 0 3 1 , 1 9. r h . r ta ors wa d f ybe de t ut x ana i m 21 t rr onsand w ihoutacom pl t r d oft rpr hei eas t e e ecor hei oceedi ' Bosac 586 F. a 1 04 ngs. ' k, 3d t 1 2 (ia i nso itd) Tft yc s nott d s , ti a1 i pos i et de e mi whe he 2 ct to m te . ' he ho e I o o o i s l but m sbl o t r ne t r 2 t y a t d V 'Amanie tdir g d f rt l w. So c k,5 F. a 1 0 ( t to a 3 he ce L I f s s e ar o he a ' s c 86 3d t 1 4 quo a i ns nd ' 2 ct tonso it d) s caloD. . ai & Co.I :l.Gotdine , F.d 95, 1 ( Ci. 4 ia i m te ; c s H Bl r , nc ? t e r 462 3 1 O 2d. r 25 26 3 As heNi t cic t e ,lc o t ma lov c t a r st t r 'o lt l ra ina.. t t n h r uinot d Eq urs yas a a e wa d ha a ec mp eeyir to l. . wih r s c t t c nta t,'bu W el Fa g di notmo t va a et a r ont t ounds t dic so i e pe t o be o r cEl' t ls r o d ' ve o c t he wa d ha gr o he s us in s 27 c i d t t m a f tdir g r s a r . Johnson,635 F. at41 n.lo, onfne o he nil s e a d t nda d 3d 4 28 5 , I * . . i 1 2 006)the c ur s ul c im a a r i ç:a g . und f t a bir t , de ii c n be t o t ho d onfr n wa d f r o f or he r t a ors cson a . 5 2 i ered fom t f t oft c e'. nf r r he acs be as ' ) 3 , 1 1 m scuskl 1. ox 4 A . W ELLS FAA G O DID N OT W A W E I RI H T TO V A CA TE TH E AW A R D TS G 5 Cont ar o Pl ntf ar r yt ai ifs gum ent, elsFar di notw ai isrghtt vac e, odiy,or W l go d ve t i o at m f 6 c r e tt a bir to a r ( cDo .# 21 1 -2, . 22 a 2 4..TheNf h Cic t o r c he r ta i n wa d. Se c 4 11 Doc # 1 t - ) nt r ui 7 rj de t sv y c t n i fndi W el Fa g ' c uns ls a e hi i e t o j c a t ee d hi er on e ton, i ng ls r os o e t t d s nt nt o b e t t he 8 tl e ephoni s a tsc er c t tz onf enceon t m oton t confr .Johns 635 F. a 41 n. 9.M a he i o im on, 3d t 3 9 r s t W elsFar i note t e ul , l go s s opped f om m aki s h an ar enta t stm e. r ng uc gum t hi i . 1 B. RELI CE ON A CON SUM ER QEPORT I PROW D I LESS FAVOQARLE 0 AN N NG 11 CRED I TER M S T 1 2 W e l Far ar ls go guest a he ward ofdam a f t Er W ay pr ges or he na oper y,de ems i cr t t cr e n edi 1 lnes andf ecos ef esw% i pr 3 i , or l m e m operbeo us eawar eo ddoesnotspeci alyr ert c edi fc l ef oa r t 1 r por hatwmsr leduponbyal 4 e tt ei enderi ext ngPl ntf es f a ec edi er s.( n endi ai i fl s avor bl r tt m Doc. 1 # 21 a 4- Doc.#21 ) ' 5 O t 5, 5. 1 6 Pl ntf onc st ai ifc ede hatt ar t at ' awar doe nots i aly r f enc acons er he bir ors d s pecGc l e er e um 1 r 7 epor , ar t but guest anyexplctori plctfndi nec s yf t a d ofdam a ar hat i i m i i i ngs es ar or he war ges e 1 a s e t bei s 8 s um d o n uppo t ft a r ( c # 2 a 1 - 5. r o he wa d. Do . 58 t 1 1 ) l 9 Thear t at snotr r oexpl nt ra i l orhi a ar Se bir ori equiedt ai he tona ef s w d. eBos k, F. ac 586 3d 20 at1 04.I ot wor , he ar t a orwasnotr r t m akes ii writ fndi t t 1 n her ds t bir t equi ed o pecfc ten i ngs ha 21 a c edi r r t epor was r i on by a l t eled enderi awar ng dam âges f t Er W a pr n di or be na y oper y, t 22 dec eas i c edi lnes,and awar off ec os e f . The ar t à t acknowl r e n r ti d or l ur ees bir or edged he was 2 bo by a1pro de ii ns o t c ' a tl c ts cfc ly f und t tt r c v r 3 und 1 i r cso f be oul, nd fe our pe iia l o t ha o e o e 24 dam a sundert FCRA.Pl ntf ts s ge he , ai ifm l t how t eac t ans ton a i s i ved t ts hat h r ac i t s ue nvol he le 2 o a c ume r po'. ( .# 1 a 1 ) The c ul c n tl r f r i e t tt a bir t r 5 f ons r e z Doc 53 t 7. t o ' a le e o e nf r ha be r t a o t 26 conc udedac um err l ons eport i vedi aki hedam agesawar was nvol nm ngt dundert FCM .The he 27 f iur oft ar t at t r f r e an e i tfndi ofr i a l e he bir or o e e enc xplci i ng elance on a c edi r r t epor doesnot t 28 6 . . ' 4 . 1 w ar rantvacatur. . ' 2 C. AD R T ATIC AN D ER NA W AY PRO PERTI ES 3 . Fis , el Far c le rt W ls go halngest ar tat ' a dof$5, 0i damagesf or l ur he bir ors war 41 n orf ecos e 4 fe r lt d t t Adra i Ave pr ry ( c # 21 a 5 7. S cfc ly, el Fa g e s ea e o he itc nue ope t. Do . o t - ) pe iial W ls r o 5 ar s t t Adr a i pr gue hat he i tc opery w a an i t entpr rt owmed by a lm ied labiiy t s nves m ope y i t i lt 6 c ompany,and anyf pai r l edt t tpr t wer f abusnes pur e.Ld.at7. ees d eat o ha opery e or i s pos l ) 7 Thear tat a dedt $5, 0i damage orf ecos e i onnec i wiht bir or war he 41 n sf or l urefes nc ton t he 8 Fc s ndc pr ry, tt Adra i pr pe t ( c # 2 0- I A)a 8. W e l Fa g i s c n ope t no be itc o ry. Do . 1 1 Ex. t ) ls r o s 9 c r tt tt c ' pr ousy r ed t tbeca u e t Fes enden pr r y was oumed by or ec ha he ouz evi l ul ha t ts he s ope t 10 Por l R. , Pol l R. pai t f esms at wih t spr 'y, hi s ii s tand E.and t and E. d he e soci ed t hi opel t s pecfc um t 11 wasnotr over eunde t FCM .( ec abl r he Doc.#1 at21 22. Thear t at r ogniedt he 53 - ) bir or ec z hat 1 wa boundb t sc tsr lnglmii c i r to o da ke t Plitf' lse a a 2 s y hi our' ui i tng onsde ain f ma s o an il o s s s s 1 c um e .( #21 1( A)at3, )Thear t a ore s ci alyr ogniedt c s 3 ons r Doc. 0- Ex. 6. bir t ven pe fc l ec z he oud' 1 nti ha hel t ee 4 lngt tt a ef sandcos son r nt pr t e al operteswer i ebus ne r l t pr c udi ec y i ss e a ed, e l ngr over 1 o da g sunde t FCM .@d.a 3. The e or ,nt si t nc ,ti ce rf o t r c r 5 f ma e r he t ) r f e i hi ns a e i s l a r m he e o d 1 t tt ar t a orr ogni e el w gover ngt FCM , di egar 6 ha he bir t ec z dG a ni he and sr dedt l bym al he aw dng l an awar ofdam agesdes t t f c t tt courtexplcty r ed Pl ntf c d notr over 7 d pie he a t ha he i il ul ai if oul ec 1 t $541 i da a e f f e l ur lt f q on t Fe s nde pr ry. The e or , hi 8 he , 0 n m g s or or cos e a e e s he s e n ope t rf e t s 1 pol on oft ar t a orsawar s 9 ti he bir t ' d houl be vacat d ed. 20 . Sec ond, e l Far ar W ls go guest e denc s à e d e howedt Er W ay dam agesc ai i r at he na l m s el ed 21 t ac m me ca pur s an i n r c ve a l unde t FCRA.( . 21 a 7. o o r il po e d s ot e o r b e r he Doc # O t ) 22 Thear t at oundi a bir orf twhiel eEr l naW aypr opeo wu t hni lyls ed% abusi s ec o l it nes 23 pr oper y,i wmsac ua l a r i t t t ly esdencet twasused by Pl ntf m ot and s epf her who ha ai ifs her t at , 2 r sde i i r ntfe .( . 21 1( A)a 8. W el Fa g i a gu ngt tt ar t a or 4 e i d n t e r e Doc # 0- Ex. t ) ls r o s r i ha he bir t 25 m ade an er ori i er etngt f t ort l w i conc udi t spr r n nt pr i he ac. he a n s l ng hi opqr .!w asa consum er tr 26 pr oper y and nota bls nes pr t z i s oper y. Thi i notm anies dir d oft l and t e i t és f t s egar he aw, her s 27 no bas st vac t t spor i oft awar i o a e hi ton he d. 28 7 . . . * . 1 D . CR ED I CAR D S T 2 W els Far di agr w ih t ar e at ' fndi t Pl ntf' cr di lm is w er l go s ees t he bi ors i ng hat ai ifs e t i t . e 3 d c e s d a ar s to t lt m a lsW el Fa go r pore t t CRAS ( c # 21 a 8. e r a e s e ul f he a e rc ls r e t d o he . Do . O t ) 4 W elsFar pr desl t sf om Bank ofAm el c and Pr di and cont ndst es a ih l go ovi et er r 'a i ovi an e hey t bls 5 t tW elsFar sr ha l go' epor sofl t paym ent pl ye no r e i t r t ae . a d s ol n he educ i ofPl ntf ' c edi ton ai ifs r t 6 lmis (d.Ex.D a Fx. ) i t. 1 , nd , E. 7 W e l Far hasnotes a i hedt tt ar t a orkne and di r gar ls go t bls ha he bir t w s e dedt l i t s he aw n hi 8 ilt e.l t W e l Far m e e ya s t adk a e e rs anc ns ead, ls go r l er s s gr em ntwiht t hear ka orsi er e a i bi t ' nt pr t ton 9 o t f c sa l w.Thelte f o Ba o Am e ia s cfc ly sa e ,fin r a hi our f he a t nd a el r r m nk f rc pe i al t t s f q e c ng g 1 decsi wer lèdoni er li or aton msw e l nf m a 0 i on, e i nt na nf m i l asi or doni econs ercr & tr pol nl um e e ' t l o t fr tpe s n da v ' ( . 21 Ex.D. Thelter r Pr v d a sa e ,fwq 1 f he is r on ame bo e. Doc # O ' ) et f om o i i n t t s f e l 1 r ei d c edi i or a i fom Tr uni Cons erRel i .' (d. atFx. E. The 2 ec ve r t nf m ton r ans on um atons.. f ' a ) 1 ar a a orcol dha onc ude atwhiei ecr i t- dcom pani s dedadi donz r sors 3 bi t vec l dG l e es% e em l 1 f de e i Pl i ifscr di lm is t r w ms a ca allnk be ween t dec s on and t 4 or cr msng a ntf e t i t , he e us i t he i i he 1 i orm aton r 5 nf i epodedt t Cl sbyW e l Far Si pl o he G ls go. m ybeca l et ar t a ordi notcom e ts he bir t d l t t c l i W elsFar woul have pr e r fc.t tl decr ei Pl ntf c edi 6 o he onc us on l go d ef r ed, . , hat le ems n ai ifs r t 1 lm iswasnotr l t o W e l Far sc 7 i t e a edt ls go' onduc , snotm eant t ar t a ordir ded t doe hat he bir t s egar 1 t l Tbls, he e i nobassf vac i t spor i oft ar t a orsawar 8 he aw. z t r s i or atng hi ton he bir t ' d. 1 E. W ELLS FAA GO ' LT I TY U N D ER TH E FCR A 9 S AR LI 20 W e l Far ar s t ls go gue hat t ar t at f l t m ake fndi he bir or aied o i ngs r di t egar ng he 21 r ona enes ofisi tga i ( eas bl s t nvesi ton. Doc.# 21 at9- 2. l t d, el Far c endst o 1 ) ns ea W ls go ont hat 22 t ar t at onl dicus ed t i s i i i br he bir or y s s he nve tgaton n oad s r t okes and i pr , m opery appled a l i 2 g ne a ne lg nc sa r nfnd ngt i si to unr a ona l .(d. t1 . W el Fa g 3 e r l gi e e t nda di i he nve tga i n e s b e 1 a 1) ls r o 24 m ai ai a t olowe er r enà ofi eFcM e nt nsi ti f l di equiem achdm ei ec vednodcegom aCM tr ei 25 t hatpl ntf wmsdiputngadebt andt ai if s i , hear t at aiedt m akefndi uppoG ngla lt bir orf l o i ngss i biiy 26 f e eementoft s a ze.(d.a 1-1 ) or ach l he t tt I t 1 2. t 27 28 Pl i ifm ai ai hear t a orsa d m us s andbecausee r a ntf nt nst bir t ' war tt r oneotsf t lndi u ac ual ngs 8 l o mia lc tono t 1w dono prvi aba i i rrle .( c # 2 a 1 )I a ton r s ppiai f he a t o de ss o eif Do . 58 t 6. n ddii , 2 he a gtes t ar t at di m a a f m alsndi t W e l Far di not condud a r z he bir or d ke ac ng hat ls go d 3 r asonabl i tgaton.@d. e e nves i i ) 4 ' M t c texpl ned above,t ar t at i notr qui e t expl n t r i ef he our ai he bir or s e rd o ai he atonal or 5 hi awar Bos k,586 F. a 1 s d. ac 3d t 096. l t sc e t a bi r ors touta det l s m ar n hi as , he r t at e aied um y 6 of hef c ss r t a t ur oundi bediput andspeci lr onc ude a elsFar si dga on ngt s e, se lc l dG tW l go' nves d . 7 wa unr ona e,nadequa e, untmel undert pr vi onsoft FCRA.( #21 1 s eas bl i t and i y he o si he Doc. 0- 8 ( A)a 4- )Thea bir t rwm not e uie om a s cfcf c ua fnd ng r ga d ngt Ex. t 6. r t a o s r q r dt ke pe ii a t l i s e r i he 9 r as e onabl soft i tgaton, w a notr r t di us t i s i i i m or enes be nves i i and s equi ed o sc s he nve tgaton n e 1 t whatW elsFar t r sf oad s r 0 han l go e m f br t okes. W elsFar hmsnotshour t t ar t at ' ' l go n hat he bir or 1l knew t a undert FcM and c et i ei.Atm os W el Far m akesan ar l ent hel w he hos o gnor t t, ls go gtm 1 t t ar t at knew t 1 undert FCM and m i appled i.M iapplca i oft l 2 hat he bir or he aw he s i t s i ton he aw 1 orf si i uo c entt va e an ar t a awar 3 act s ns i o cat bir l d. 1 F. EM O TI NA L DISTRESS D AM AGES 4 O 1 5 W e l Far cont ls go ends t ar t a or e r i awar ng em otonaldit es dam ages he bir t r ed n di i sr s 1 beca e:() Pl ntf f l t lnk t e damagest t use ofa c 6 us 1 ai if aied o i hos o he onsum e c edi r r r t eport 1 c nt i i r a ol c e t nf ma 7 o a n ngde og t r dii or dongo W el Fa g ( l h m o m ls r o; z t ee dona dite sd m a s l s r s n ge 1 we ee ieyar s l o Pli if busne sdo tln; 3 t a bir t s d no ha e e 8 r ntr l e u t f a ntf s i s wn t ( ) he r t a or houl t ve v n r 1 c i ed em otonaldit es dam ages bec e t onl c ai bef e hi was an aleged 9 onsder i sr s aus he y l m or m l 20 vi atonof heFCM ; ( Pl ndf' ownsat ol i t and 4) ai fs t ement ei uK centt s swer ns i o uppor ana d t war 21 o e ina dite sda a e . Do . 2 a 1 1 ) f moto l s r s m g s ( c # 47 t 4-5. 2 2 Pli ifc e st tW el Fa gone ro jce t t a r o e to ldites antf ountr ha ls r ve b et d o he wa d f moina srs 23 damagesa ar taton ori isorgi m ovi paper . ( t bir i n t i nal ng s Doc.# 258 at1 ) l addii he 5. n ton, ' 24 ar est pz hathedi es es dpr entt dmonyc er ngi ei onc ni mpac tofhi nabii t uppodhi a iy. si ll os sf 2 (d. 5 Ij 2 6 I a r ngPl i tf Sl oooi e o i na dite sda ge ,hea bir t rsa e ha n wa di a n if oo, n m to l s r s ma s t r ta o t t di t 27 Pl ntf e tse c er ng t har t ne tvecom m ent W e l Far t ans il t t ai ift s i d onc ni he m he ga i s ls go r m ted o he 28 9 . I . *' . . l CRM hado hi busne s hi homelf , sr l ton hi ui. hi wiea hi he lh.( c # n s i s, s ie hi ea i s p t s f nd s at Do . h 2 21 1I ,.A)a 8. 0- Fx t ) 3 Fi s ,t c tcannotconc ude t tt a bir or m anies l di r gar t 1 i r t he our l ha be r t at f ty s e ded he aw n 4 a r nge to l kesda g s ous fi aldt i heda g st o ume wa di mo ina is s ma e be epandffie olnkt ma e oac ns r 5 cr t r edi epor . As t c tf t he our ound above,t ar t a or i not r r t pr de a f l he bir t s equied o ovi ul 6 expl i ofhi awar Bec et ar t a orde er i W elsFar vi a ed t FCRA. anaton s d. aus he bir t t m ned l go ol t he , 7 and awar dam ages i i r as ded , t s e onabl f t c ' t i ert he f e or he oult o nf hat ound a lnk bet i ween 8 Pl ntf' dam agesand ac um e c edi r por c ai ng der or i or aton r por ed ai ifs ons r r t e t pnt ni ogat y nf m i e t 9 by W elsFar l go. . 1 0 Sec ond, n e i ngt em otonaldit e dam agesa ar t c tca i xam ni he i s r ss w d, he our nnotconc ude, l 11 asW elsFar doe t tt em otonaldi t es dam age w e e entr l a r stl ofPl ntf' l go s, ha he i sr s s r i e y e lt ai ifs 1 bus nessdownt n.Thear t at peclc l r er 2 i ur bir ors i aly ef enced Pl ndl st s onyconcer ngG e ai e dm ni 1 har G enegauvecom m enà hadonhi 3 m shom elf hi r a ie, s el ionshi t swie, pwihhi f andhi shea t lh. 1 ( c # 21 1( A)a 8. 4 Do . 0- Ex. t ) 1 5 Thid,W e l Far sar r ls go' gum entt t ar t at coul note consi an em otonal hat he bir or d ven der i 16 dit es dam agesc ai i una lng bec ue hecoul r overem otonaldit e sdam agesas sr s l m s vaii ats d ec i srs 1 a e em entofhi act dam ages Em otona di t es i an e em entofdam ages and nota 7 n l s nal . i l sr s s l , l s par e ca eofac i 8 e at us ton. 1 9 Fi ly, elsFar sar m entt heawar hoi dbevao t na l w l go' a hatt ds edbeo us Pl ntf' own e ai ils 20 s a em ent w e e i uE c entt s tt . r ns i s o uppor an awar ofem otona dit es dam ages i e l t d i l sr s s qualy 21 una lng.W elsFar r leson Cous ' t. Tr Uni Cow , 6F. 3 ( t Ci.2 ) vaii l go e i i 7 ans on n 24 3d 59 5 h r 001, 2 t uppo thi r m e t ( . 2 11 )The e t Fitl r ui c s dG er quie e t 2 os r t sa gu n . Doc # 47a 5. r ,he fiCic t&s us e e rm n 2 o pr f f tz ln ur or na r f e a or m o i na dite si a a tonbr ug un r 3 f oo o ac t i j yf a wa do m nt l e to l s r s n n c i o ht de a 2 42U. C. 1 4 S. j 983.I a 3 (ia i nso it d) TheFi b Cic ts a e ' e r quie f d. t 71 ct to m te . f r ui t t d,ç y e r s a t car 25 de ee ofspeci iy whih m a i l c r gr fct c v nc ude or obor i t tm ony orm edi orps hol cal atng es i cal yc ogi 26 e denc i suppor oft damagea d.'f ( r cor added) Ther t court ocused vi e n t he war ' d. unde s e ' : e, he f 2 onies o f e dmon 7 c peo iets ysve r eplidfz di t a t o r bortngts nbli an but dno s yia c ro ai edmon y 28 yo ' * o I J .'* . . : : 1 was r r as W e l Far s equied, ls go ugges s. fd. l por anty,whie t Ni h Cicui hms no t m t l l he nt r t t . 2 ex iil plctyaddr s es edwhatt ypeofe qdenc snec s A ei e sanros t uppod = awr dofe otonal s r s m i dit es 3 dam age undert FCM ,i ot rc ex s,thasde lned t f l t Fit Ci c tsm or s he n he ont t i ci o olow he fh r ui' e 4 s n e trq e n or mo e g n e lrme uf e Honz dite sda g s S ezh t. rc nGe sef ds sr s ma e . e ang ?Ame ia m aoo , 5 339F. l 3d ozo, o ( t Ci. l 4o 9 h r 2003 ( ) upho &nge dona dama e ba e l e dm o ) l mo l g s s don yont s ny ; 6 Johns t.Hal 1 F. 1 ,352( hCi 1 on ? e, 3 3d 351 1 9t r. 994)( emodona dam a sm aybea dedbas l ge war ed 7 onl on t tm onyorappr i ei er efom cic t es . Ot ditit wihi t y es i oprat nf enc r r ums anc ) her src s t n he 8 N i h Ci c tagr t hepl ntf t tm onyal can bes ci oes a ih em ot onal nt r ui ee hatt ai ifs es i one uo entt t bls i 9 dite sda ge . e lo t. uiaxlf matons r ie , 522F.upp. 1 22,2 srs ma s Se Nes n lEq f n or i e vc sLLC, s zd 2 1 35 1 ( D.Ca . 2007)( ng t pl ntf' t s i ony al c e t ih emotonaldit es 0 C. l fndi hat ai ils e tm one an s abls i sr s 1 da g si l 1. 1 ma e lAcon J Bankonecor 29 S 2 1 ( Arz 2003)rjcigt li g, 3F.upp.d 092 D. i. (ee tn hehodng 1 i Cousn) The f e,hec fndst r wasnomanies dir d oft l i awar ng 2 n f . reor t ourt i he e f t s egar he aw n di 1 e otona dit es dam ageson t bass ofPl ntf' t tm ony a one. 3 m i l sr s he i ai ifs es i l 1 G.W M VER O F TH E ESCROW ACCOUNT REQI IREM EN T 4 J 1 5 W elsFa goc enx G ear t at r edu am aterofl w i i ngt l r ont bir ore r a nfndi hepr vi e ousow ne s r 1 oft l wai t rghtt r quiean i poundacc 6 he oan ved he i o e r m ounton Loan 55.( # 21 a 1 ) Doc. o t 2. 1 7 W e l Far f l t poi out wher i t r ord i i e dent t t t ar t t ls go ais o nt e n he ec t s vi ha he bira or l r cogni ed t applc el and i ed i. I t 8 e z be i abl aw gnor t ns ead,i m er l dr t e y aws a c l on t t onc usi hat he 1 ar t at er ed msa m at erofl Thi i notm anies di r d oft l w . 9 bir ùr r t aw. s s f t s egar he a 20 H . A ' O R N E' S FEES I V V 21 W el Far ar est tunder9U. C. 1 a)4) t ar t a orexd ls go w ha S. j o( ( ,he bir t eededhi powe sby s r 22 awar ng Pl i iff esand c t f hi f l RESPA,FDCPA and neglge c ai s and t di a ntf e os s or s aied i nce l m , he 23 onl aut iyt ar t at ha t a dcos. andf waspur uantt t FCM .( # y hort he bir or d o war t s ees s o he Doc. 2 21 1 1 ,Do . 2 a 2 21) W el Far a s c nt dst tPl i tf s tl no r c e 4 O 3- 6 c # 47 t 0- . ls go lo o en ha a n if hold t e ov r l 25 fes= dc c beo u ei e e os yredipr s opoY onat ot bi orsawar ( #21 at1 1 ) et hear aat , d. Doc. o 3- 6. 26 Fi ly,i ar nal t guest tt f r ha he ees equesed by Pli ifar i lt d.ç at1 1 ) t antf e nfa e ld. 5-6. 2 7 28 P a n if s ers i e ildt na r al ne f e a os s de t Fcl a l i tf a s t he s ntte oa wa dof tor fs e s ndc t un r he u nd 1 1 . . l 1 ;' * . . l t F.A.( #258a 1 )Hezs ont G ear Da orf he A Doc. t 6. oc enx bi t oundG ef à wer oi e ne ac es nt Y d 2 am onga1 c esofac i hathef l aus tont ound i appr i et aw ar al ofPl nt/ sf sand c t t oprât o d l ai i ee ps s. 3 @d. Fi l heas ert t tt ar t a or' decson on t sis wasnotir i s ast ) naly, s s ha he bir t s ii hi s ue ratonal o o 4 c tt ema f s dir g r o t l w, nd t r f r mts ta (d.a 1 1 ) onsim nie t s e a d f he a a he e o e lt t nd. I t 6-7. 5 Thear tat awar d Pl ntf $37, 1 i c t notngt tW elsFar pose no bir or de ai if 069.5 n oss, i ha l go d 6 o j c i nt hea o o c s s o ht ypl i tf.( . 21 1I .B)a 1 )Thea bir t b e to ot m unt f o t s ug b a n if Doc # 0- Ex t 3. r t a or 7 al awar Pl ntf ator sf i t am ountof$427, 96.(d. l awar ngf s, so ded ai if t ney' ees n he 738. f ) n di ee 8 t ar t at s a ed: he bir or t t 9 1 0 Elhear tat not t tt shotycont t ltgatpn l t f overt q ' l bir or es ha hi l esed ii i assd or hre year ,and i ved t andsofdoc ent Thear t a orl consdentt t s nvol hous up s. blr t s ha t ei pl yof a tt goar her s ent f ul o oundr awet dic ypr ems.Thear t t elt o s ovsr obl bira or q j no e t ! v nt ght a un o r c ve yl ls t nt a t ne e s lo t s ha e e hou he mo t f r o r s e s ba he tor yf e , l 1 Jhao t fa t ei'rluoeoattossrr dech l èeory r llnfcoleralva'ncssfa lln-lgrlsq rcvnT.Mr tssawm z htogtq atr mig tol awhis f ertal mo. o n sf ddtea rtwh l d es wa l o l ,a e s 1 2 t a de m i m tss . han ni t um 1 3 The dee e r que t t gve a c e i a i ! t wor t de e e lwye s f ns e q o i r dt gans he k he f ns a r , 1 4 expendsdondeendl f nglgai tt us sof topt twer m ls sdenidr ns heca e ac ha eis edi e Thear t l orhaspr uousydicus ed hi l s ngsr a i t t di s al blr t e l s s s pipvi eltve o he smls 1 5 oft ne lgencec e ofac i and t pl l ifwasenttedt t tt wat r he g 1 aus ton, he a ntf il o es he e s ast t ot f r c esofac i o he her ede al aus ton. l 6 17 ( # 21 1( B)a 1 ) Doc. 0- Ex. t 3. . Pr lmi rl snc el F g ei na iy,i eW ls ar oidno o j c oi ea bir t rsa r c t zhec ur t b e tt r t a o ' wa dof oss t o t ai if c nfr t a r i tl a o ims he wa d n le mounto $3706q.5i f vorofPl ntf. f , 1 na . 1 8 W i. r pec ot f es,ti undi put t t es tt he e i s h s ed hatt FCRA c ai wmst onl m aterbe or he lm he y t f e 1 9 t ar t a or and a part who i s es f li an ac i br he bir t , y s ucc s u n ton oughtundert FCI A i entted he L s il 20 f r c ve c s sa r a o b e al ne ' f e . Se 1 U. C. l n( )3) 1 o( )2) o e o r o t nd e s na l tor ys e s e 5 S. jj 681 a ( , 681 a ( . 21 Ther f e,i i t c e or t s he ou/' vi t tt ar t a ordi note d hi pow e si aw a di f s ew ha he bir t d xcee s r n r ng ees 22 undert FCRA. Howe r t c ' m us det m i wbe hert ar t a orexc he ve , he oul t t er ne t he bir t eeded hi s 23 power i awar ng Pl ntf t ent r j ofhi f . sn di ai ' f he ietr i s ees 24 W hie t gener l nze i t t at ney' f s ar not r over e,sec H ensey u. l he a l s ha lor s ee e ec abl l 25 Ec e har, k r t46IU. 42 429(983 ,e sma wrde m s toaie-hYngsa es h S. 4, 1 )fe ybea dp ur t e s i tmt uc 26 a t FCRA.Sc St ont.Bo i g Co.32 F. 938, 65( t Ci.2003 ( ia i nsomitd) s he c at 7 e n , 7 3d 9 9h r ) ct to te 27 28 l a + t d A' 1 (od s a me h d i g ne al t c r e tme bod f r c lul tng fe unde a f e s itng l e t r t o s e r l he o r c t y o ac a i e s r e - h fi 2 sa u e ;U. l. St t t t ) S. ? andar Oi Co o Ct fl 6o3 F. 1 1 ( t Ci. 1 9)(ia i s d l . f z /, i 2d 00, 03 9 . r 97 Ct ton h 3 omitd) Onc apa t e tbihe ii e tte oa a do al r y'fe ,'itr mansf te . e ry sa ls sts n ildt n war f to ne s e s ' ) e i or ( 4 t hedit i t s rc court ode er i t t m newhat e s'ea f ei r sonabl 'ff nslp, e.D -c c 461U. a S. t433.U nderf al eder 5 l r ona ealor y' f ar gener lybms ont r tona dodes ar' l ul i s aw, eas bl t ne s ees e a l ed het adii l d l t 'ca c aton et 6 f t i Nensc SeeFfchcrI.M B- D.I ,21 F. 1 1 1 1 ( h Ci.zooo) Fis,a orh n lp. s ? P. nc. 4 3d 1 5, 1 9 9t r . rt 7 r ona ef i de er i dby m uli yi T henum berofhour r ona yexpe eas bl ee s t m ne tpl ng t t s eas bl nded ont he 8 lhga i don'by'ar ona ehom l a e. H e l y, U. at433.Sec ' ' eas bl yr t ' ns e 461 S. ' ond,hel t odes aram ount t 9 ma bea j t d ba e on a e l ton o t f c o sa tc a e i Ke r?. Sc c n Extas y d use s d n vaua i f be a t r riult d n v J r c r 1 Guid I 526F. 67 7o ( t Ci. z 5) whih ha eno be n s bs e i t l de t r 0 l , nc, 2d , 9 h r 97 , c v t e u um d n be o - a s 11 c lulton.Sc Bale t.L po dmond, 6 F. 7 7 ( t Ci.2006 ; s he ,2 4 ac a i c ln ) 5t fRe 46 3d 36, 46 9 h r ) Ffc r 1 1 F. a 1 1 ( ia i O te . 2 3d t 1 9 Ct ton mitd) 1 3 The r l vantKerrf t t be c der i t sca i T he r uls o ai ' ac or. ee ac or o onsi ed n hi se s ' es t bt ned'f t t 1 Ke ,526 F. a 7O.W hi f t i partc aryc uci wher apl ndf sdeem ed d e lng' 4 rr 2d t s ac or s iul l r al e ai fi pr vaii 1 e t 5 ven hough he s c uc eeded onl on s eofhi c ai sf re i 'N e ep,461U. a 434. y om s l m or lef' nsl S. t 1 W e l Far r 6 ls go eque t a r duc i oft f e awar t t i o ac s s e ton he e d o ake nt counthour ex nded i s pe n 1 c nne tonwih t o he ca msa s tdt twe edimis d ons 7 o c i t he t r l i s ere ha r s s e umm a yj men . r udg t 1 Unde N enscp,t s de er i i i m adeby a w e i two ques i 8 r l hi t m naton s ns r ng tons:' r t di t ' s , d he Fi 1 pl ntf ai t pr lon c ai st wer unr l t t t c ai son whi b he s eeded? 9 ai iff l o evai l m hat e e a ed o he l m c ucc 20 Sec ond,di t pl ntf ac e a l velofs ce t m akest hour r d he ai if hive e uc ss bat he s easonabl y 21 e xpended a s if t y bassf m aki a f awar ' H ensl 461U. at424. ats ac or i or ng ee d. ' ey, S. 22 I appear t ar t at ans ed no t t fr tque ton. Cl m sar r l ed i ' hey t s he bir or wer o he is si ai e e at f ' t 2 ivoveac 3 n l ommonc eo fc.o a eba e onrltdlg lhe is' Th s'.Ci o or f a t r r s d eae e a t ore . oma t @ f s ' ) 2 Tac 4 oma, o F. 6 6 ( t Ci.2005 (n e na quo a i omit d) Thecam s 4l 3d 44, 49 9 h r ) i t r l t tons te . li 25 as er ed by Pl ntf s t ai ifwer al c eary r l ed,ars ng f om t s ecom m on c e s toff t . e 1 l l e at ii r he am or e ac s 26 The ar t at appear t have ans e t s bir or so wer d he econd que ton i t aë r atve.Fr s i n he m i om 27 t ar t at ' c m ent ,i i r ona et i ert thedet m i Pl ntf hi ved a he bir ors om s t s eas bl o nf ha er ned ai ifac e 28 1 3 . u I . ï , . 1 l velofsuc s t tm adet hour r as bl e e ce s ha he s e ona y xpende a sa if t y bassf m a ngt d ts ac or i or ki he 2 f awar ' rei no pr i rul orf m ul f m a dng t e det m i i 'H e ey, ee d. ' The s ecse e or a or l hes er natons.' nsl 3 4 U. a 434.G c ul ne e s rl ha dsr toni ma ngt se uia l j me . 6l S. t The o ' c sa iy s icei n ki hi q tbe udg nt' t ' 4 1 at436- Pr d. 37. opori lt i nott t t Scef a 435 n. 1 . tona iy s he es . d. t 1 5 The ar t a orc l bir t onc uded t tt s ac i i ve pr r t ltga i and f ha hi ton nvol d ot ac ed ii ton, ound 6 t tt r ul wasc tai y m or t dem i m i The courtcannotconc udet ha he es t el nl e han ni s. l he 7 ar t at exce bir or eded t s he cope ofhi power i awar ng Pl ntf t ent r am ountoff s. s sn di ai if he ie ee 8 Thi i nota ca e wher t r or i c e t tt ar t a ordi r gar d t l , ss s e he ec d s l ar ha he bir t s e de he aw but 9 i t ad,i i a c e wher t ar t at w aswihi hi di r t on i det m i ng Pl ntf ns e t s as e he bir or t n s sc e i n er ni ai if 1 wasentted t t entr awar off . 0 il o he i e d ees 11 . Next whie t am ountofdam agesawar d m a be com pa ed t t am ountoff , l he de y r o he ees 1 s 2 ought af e awar i notr quied t be pr , e ds e r o opor i tonalt t am ountofdam agesr over d. o he ec e 1 Se M c 3 e cown v Cfpo . t fFont 565F. 1 1 1 ( . Ci.2009 ( 4, 2.6i fe ana, 3d 097 104 9t r h ) $5 01 7 n e s 1 awar d wher dam agesr over wer $1 000) 4 de e ec ed e 5, . 1 5 Fi l W elsFar scl m t tPl ntf f esar i l ed wasaddr sed att naly, l go' ai ha ai ifs e e nfat es he 1 hear ng on t sm oton.W e l Far ar 6 i hi i ls go gued t tt ar t a i wasc pl t d f t t e ha he bir t on om e e or p br e 1 daysaf e t notceofle i t scms wasfl and i wmsi r i lt ms um ePl ntif 7 t r he i i n n hi e ed, t r atona o s ai f 1 c ul h v i ur e $26 000 i f e fom t tm et l n wa fld t ou ar t a in. 8 o d a e nc r d 5, n e s r he i he i e s i hr gh bir to e 1 ( 9 Doc.# 247a 23. Att bearng,Pli ifsc t ) he i antf ounse r pr ent d t t $265, le l e es e hat he 000 in 20 fl f t t e daysbef ' ar t ton wasnotbms on f esi ur ed i t sc e. ied or y hre or bira i e ed e nc r n hi as 21 Tber f e,t sar entappear t be m oot e or hi gum so . 22 I . CON CLU SI N V O 23 I IS HEREBY ORD ERED t tt ar t a orsawar of$5, 0 i dam agesf T ha he bir t ' d 41 n or 24 f ecos ef esi c or l ur e n onne ton u1. t Fes ende pr r y i vac e and t r ai ci t: he s 1 n ope t s at d, he em nderof 25 t ar t at ' awar i c im e he bir ors d s onfr d. 26 I IS SO O RD ER ED . T 27 Thec ur e e sj gme i fvorofPli tf W e Jo on, nd a a ns De e n o t nt r ud nt n a an if s hns a g i t fnda t 28 1 4 j t . -' j , d . . 1 W el Far Bank,N. ,i t am ountof$720, 1 . ls go A. n he 308.1 2 3 LET JU D G M EN T EU ER A CCO RD I G LY . N . 4 DA TED : ugus k 201 A t 7, 1 5 6 . UNI TED STATES M AGI STRATE JU DGE 7 8 9 - l 0 11 12 13 . 14 l 5 1 6 ' 17 1 8 l 9 20 2l 22 23 24 25 26 27 28 15
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