White v. FIA Card Services, NA et al, No. 4:2012cv00022 - Document 7 (W.D. Va. 2012)
Court Description: MEMORANDUM OPINION. Signed by District Judge Glen E. Conrad on 11/7/12. (ham)
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CL S OFFI u . ' ST. ERK' CE s DI COURT ATROANOKE, VA FI LED I THE UNI N TED STATES DI UCT COURT STI FOR THE W ESTERN DI STRI OF VI NI CT RGI A DANVI LLE DI SI VI ON 80# 2? 2 1 22 ' lub' A sv: ' . - . ((-y) y9,%4. t.(, ? , % dL oI a ANGELA DENI W HI SE TE, Appela , l nt Ci lAc i No. 1 v00022 vi ton 4:2c FI CA RD SERV I A CES, . . NA , CR EV ER GREEN I ,LLC, I a nd EA ST BA Y FUN D m G ,LLC, M EM QRANDUM OPI ON NI By: H o Gl E. z a n. en Col d r ChifUnied St t sDititJ e t a e src udge Appe l e , le s a nd CHR I STOPHER T. I M CALE, Cha e 1 Tr s e pt r 3 u t e. I t sba u c a n hi nkr pt y ppea , he a la tas t c t o r ve s t Ba upt y Cour ' l t ppe l n ks he our t e r e he nkr c ts d nilo he c mp an s e igt a i t es c r dj iilino o eo h rce io st e 1 e a f r o lit e kn o vod h e u e udca le f n f e rd tr md r 1 U. C. 5 6d .Fo ter a o ss e b lw,h Ba k u tyCo r' o i inwi b rv re . S. j 0 () r h e s n utd eo te n r p c u ts p no l e e es d l 1. 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A he ie tce ta f roft Cl i t CR Evegr e 1,LLC,who,n t n,fl danotc oftan f ro t r ns e he am o r en I i ur e i e r s e f he Cli t Ea tBa Fundi LLC.Net rta f ri cae t t Cli wass cu e FI am o s y ng, ihe r ns e ndi td hat he am e r d. A, CR Eve gr n 1,LLC, Ea tBa Fu ng,LLC wilbe r f n'd t her i ast C e t s' r ee l and s y ndi l e e e o en he l dior .' cr On Fe u y23, 2,M s W hie fld ac br ar 201 . t ie ompli i ta i mza r a y pr ee ngi ant niitng dve s r oc di n teBa r p c Co r,n whc s es u h t a od teCrdtrs u g nt in u d r1 U. C. h nk u ty u ti ih h o g to v i h e io 'j d me le n e 1 S. j5 6d .No eo t Crd tr r s o d dt t c mpan, r mp igMs W h t t fl a 0 () n f he e io s e p n e o he o litp o tn . ie o ie moin frd fut u g n .OnM a 2 , 01 t eBa k u tyCo r d ne M s W ht s to o e a lj d me t y 9 2 2,h n r pc u t e id . i e' moton,r a hi t m e isoft c i e c ng he rt he ompl nta co udi t tt le s d notbe a de ai nd ncl ng ha he in houl voi d t e j5 6 d .M s W ht a pe ldt ed cso a dfldas p o tn b ifi t i c u t Th md r O ( ) . ie p ae h e iin, n ie u p ri g re n hs o r. e a ali unoppos d. ppe s e I l. Di cussi s on Dititc u t p se sa p laej rs ito o e b nk p c p o e dn sp ru n t 2 src o rs o s s p elt u idcin v r a nzty r c e ig u s a t o 8 U. C. 1 8a .A d src c u t e iwslg lc n lso so t b n nzty c u t tn v .J S. j 5 () itit o r r ve e a o cu in f he a k pc o r é o o . q r M ee ih 5 7F.d3 2, 7 (t Ci. 0 8 . e rdt , 2 3 7 3 5 4 h r 2 0 ) Theoutomeoft sc s hi esont c re ti eprttonof11U. C.j506( , c hi a e ng he or c ntr eai S. d) whi h s a e : c tts ( )To t e tn ta a le scze a cam a an tt d b o ta i n ta d he xe t h t in e l s li g is he e t r h t s o n r a l d s ur d cli ,s h le i voi unl s lowe ec e am uc in s d, es- ( )s c cam wa d s l we o l u e s cin 5 2 5 o 5 2 e o 1 u h li s ial d ny nd r e t 0 09( ) r 0 () f o o t stt e or hi il ; ( )s c cam i n ta alwe sc r dcam d eo l t tefiu eo 2 u h li s o n lo d e u e li u ny o h alr f a e iy t fl apr ofs h cam l rs ci 501oft stte. ny ntt o ie oof uc li mde e ton hi il l he c n r ompli be or t Ba pt y Cou tt De ors htt a d t le ant f e he nknl c r, he bt oug o voi he in s urngt Crdio ' cli unde t prec i he e trs am r he enmbultr lngua ofj506( .TheDe o notd ao y a ge d) btr e t tt Cl i w asnota a l e s c e cl i ,a r s toft Cr t sflng i a t s c e ha he a m n low d e ur d a m e ul he edior i i t s m e ur d, and a gue t tneihe oft t o e e i lsed i t s a ut a i d. The Ba r d ha t r he w xc ptons it n he t t e pple nknz c Cour pt y t diag e d,fndi t tt s c e e ton ap i a r us d t a d t le l r c ng s r e i ng ha he e ond xc p i pled, nd ef e o voi he in. n ea hi isde ii n, t Ba u c Cou ta i t : u eoft l tan ec de , la co l d t t t c so he nkr pt y he as t e nt' nd ncude ha ' r ppled he 1 l r t etr t u hcam'i j5 6 d ( ) eeso yt s cze cams a dn t ns cle cams h e m t c li 'n 0 ( )2 r fr nl o e l d li , n o u e t d li . s r r The Bn nknl c Cour ' f lr s ni w a a f l s pt y ts ul ea o ng s s olow : 'he s co e ep i t t pr - m b a or l ngu ge pr vi s t t le i not r e nd xc ton o he e n ul t y a a o de hat he i n s voi i t c e t ' cai i no an al we s c e c am onl be a e t d f he r diors l m s t lo d e ur d l i y c us he c e t r di not tl a se ur d pr of c am . The t r G uc cli ' i t r dio d se c e oof li e m t h am ' n he s ln u g o S cin 5 6 d ()rfr o l t as c rd p o fo cam,n tt a a g a e f e to 0 ()2 ees ny o e u e r o f li o o n uns c ed pr ofc am . Applc i oft r e o t ls a e e ntr quies e ur oof l i iaton he ul f he a t nt c de e r s h ani e pr t ton. The ls a e de us oft t r t ai ' irt t us uc ntr e a i a t ntce nt e he e m t m'pro o he e cl oft t r i uc cli ' i t phr e ç lo d s c e c am '. The e or t he e m ç h am ' s he as t l we e ur d l i ' s a r f e, he t r ts h c ai ' r f s onl t t s u e pori oft c a m . Ea t Ba f l d e m tuc l m ' e er y o he ec r d ton he l i s y ie an t e ur d pr ms c e oof of cai . I di not fl a s cu ed pr lm t d ie e r oof of c am . li Ac r ngl t s ond e e i a i sa t De t ma no a d t le co di y, he ec xc pton pple nd he b or y t voi he i n. l r W ht, 1 - 0 5 -. 3( n . . Va Ma 2 , 01 )(o t t o te ) n e ie No. 16 9 61YN, Ba kr W D. . y 9 2 2 f onoe mitd (mp a i i o ii a) e h ss n rgn l. On a al M s W hie a gu t tt Ba pt y Cour e r d i a yi s e ton ppe , . t r es ha he nknl c t r e n ppl ng ubs c i ()2 G e a oh r s s c r dcama t o sn t a ea alwe sc rdcam d et is d () i n n te wie e u e li n d e o h v n lo d e u e li u o t wh de ii t pa tcpa ei t c e a a t e ur d c e t by flng a t e ur d pr of c son o ri i t n he as s n ms c e r dior ii n ms c e oof cam. ( . fAp eln , t )(mp a i i o ii l.I o h rwo d ,h De t rc ne d t t li ' Br o p la t a 5 e h ss n rgna) n t e r s te bo o tn s ha ' t tn ç u hcam'i s b e to ()2 rfr n t nyt sc r dp o f o cam, u t a he e n E c li 'n u s ci n d ( ) ee s o o l o e u e r o s f li b t o s cli t ti de m e uns c e onl bec us ofac e t ' decson t pa tci t i t a m ha s e d e ur d y a e r diors ii o ri pa e n he ba pt y pr ee ng by flng a t e tr dpr ofc am . nknz c oc di s ii n ms c le oof l i Thec t ee wiht De o ' ra ngoft saut.Subsci ( ( rfr t lhe our agr s t he btrs e di he tt e e ton d)2) ee s o ç t fit eo a y e tt t fl ap o fo s c cam u d rs cin 5 1. .'(mp a i a d d . alr f n niy o ie r o f u h li n e e to 0 . . e h ss d e ) l ' Se ton 501 de c i t tlng ofpr of ofc ai sge r ly w ihoutm a ng a di tnc i ci s rbes he i i o s lm ne a l t ki s i ton 1TheE ul oft ls a e den'i am ehod ofsa tr i epr tto S rwhi t lm ii clus or t e he at ntce t's r t tm o y ntr eain K unde ch a i tng a e plr e ...s d o di iyber ada modiyi onl t nou orphrs t ti i meditl f l s''U . v. zas houl r narl e s f ng y he n a e ha t m aey olow .' 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Ha e , 5 U. 41 s 5(0 9 (u t Ban at . o s 5 0U.. 0 2 ( 0 ). v s 5 5 S. 5 42 2 0 ) q oi rh r v Th ma , 4 S 2 , 6 20 3) ng bewe s urdan unscurdcams Ast De ornot i he bit t o ys cin oft t en ec e d e e li . he bt es n r rel he nl e to he Codede i s cikalywih s u e cai i j5 () TheBa pty Co tsi eprtto alng pe t l t ec r d l ms s 06a . nknl c ur' ntr eain o ( )2 , l c ranyp a sbe wo l b o mu hsr n e f oi i tes b e to l td f d ( ) whi e til lu il, ud e n c to g r o t f h u s cin i e e ng mi iso a p ia i t t p o f o camsfldu d rj5 6 a,h s cina d e sn s c r d t wn p lc bl y o r o s f li ie n e 0 () te e to d r sig e ue i cams r he t j501 t s ci a e sngpr sofcamsge r l Si et s e to li ,at r han ,he e ton ddrsi oof li nealy. nc he ubs cin d e n ts lmi islk n teei n i iain es wh r i t Co eta ( )2 rfr o l t o s o o i t tefa d h r s o ndc to le e e n he d h t d () ees ny o t f llet fl s tr d cli s abe trr di oft e pto i t ti a i so y whe t he aitr o ie ecle am , te ea ng he xce i n s ha t pple nl n he c e t ha f ie t f l a pr ofc a m ofa t pe r dior s a l d o ie oof l i ny y . W hieno sa i t spoi die ty, heUnie S a e Co tofAppe sf rt Fo t l t ttng hi nt r cl t t d t t s ur al o he urh Cic tha a ded s ciyi t t peofcai nec s a y t i ket exc pton,notng r ui s voi pe f ng he y lm e s r o nvo he e i i ç e to 5 6d v i sal nt a scze acam a an thed b o whihi n t nalwe ç cin 0 () o d i h t e l s li g is t e t r c s o a lo d s e r s cled cai ,ml s t cai i notte t asa al d s ur d c am smpl bec us t e tr l m t e s he l m s r aed n lowe ec e l i i y a e he c e trhasee tdnott fl apr ofcli ' Ce pe Cor v. ns 58F. 8 93( h r dio lce o ie oof am. n- n n. Ha on, 3d 9, 4t ' Ci. 9 5 (mp a i a d d ; e as I r Kr slr 4 Fe . p' 71 , 3( 1 Ci. 0 2 r 1 9 ) e h ss d e ) se lo n e e se , 0 d Ap x. 2 71 3- r 2 0 ) d ( n u ls do no )($ d tnniigt es c r dsau o acam,h b n r pc saue u p b ihe piin tn ee nn h e u e tts f li te a k u ty tt t I s cikaly e mpt fom beng voi d a cam t tdoesnotobt i t l d s c e ' t t pe t l xe s r i de li ha an ç owe e ur d'saus al s ll b c us ace io ddn tfl p o fo t ecam.) oey e a e rd tr i o ie r o f h 1i '. ' Re ng( ( a a ia eo ywhe ace t hasf ldt fl eihe tpeofal adi d)2) s pplc bl nl n rdior aie o ie t r y lowed pr ofc a m a s m a s s ns i lghtoft pur e a l s a i hi t y oft s e ton. oof l i l o ke e e n i he pos nd egi l tve sor he ubs c i A l tndi pr ongsa ng e coder l al we s c e c e t r t c ue lo d e m d r dio s o hoos nott pa tci t i a d bt ' e o ri pa e n e ors ba nknmt y pr e ngsa silr t i vai e o c a e le onc t de orwmsdic r d c oc edi nd tl e an ld, nf r e bl ins e he bt s ha ge f om bnnknl c Se e. , nie St t N a ' Bn v.Chas N a ' Ba 331 U . 28,33 r pt y. e g. U t d a es tl nk e t l nk, S. ( 947) Louivil J ntSt k La Bn v.Radfr 295U. 555,58 83( 935) Longv. 1 ; s le oi oc nd nk o d, S. 2- 1 ; Bu lr 1 7U. 61 , 2021( 8 6 .W h nteBr r p c Co ewa a n di 1 7 ,twa lad, l S. 7 6 - 1 8 ) e h mk u ty d s me de n 9 8 i s unce whehe t prnci ermane g l l r Ha et 3 F. 342,347- ( hCi. lar t r he i pl e i d ood aw. n e mlt 22 3d 48 4t r 2 0 ) l De nu v Ti 5 2U. 41 , 7(9 2 ,h S prmeCo r rs le acrut 0 3 . n ws p . mm, 0 S. 0 41 1 9 ) te u e u t e ov d ic i s i by hol ng t tthepr coder et tle o r alpr pe t pas t r h ba u cy plt di ha t t eul ha i ns n e o ry s l oug nkr pt z una f ctd'r ma ne i e f t The s i oft sr l co rswih t l giltvehit y of fe e ' e i d n fec . unr val hi ue mpo t t he e sa i sor j5 6 d( ) whc e pan t a t s b e to wa itn e Eoma ece rt efiu eo t 0 ()2 , ih x lis h the u s cin s n e d d û k la h alr f he t s ur d c e t t fl a pr ofc ai i nota bas sf a di t len oft s c ed ec e r dior o ie oof l m s i or voi ng he i he e ur ' h ,S ce io . S. p.N o.65,98t Cong. 1tsess 7 ( 9 3 . Th se pln to smpyc nime rdt r' Re 9 1 8 )2 i x a ain i l o fr d . t l sa ng r l t tc e t r c d c eno t pa tcpa ei ba upt y pr e ngs he ong-t ndi ue ha r dio s oul hos t o ri i t n nkr c oc edi wihoutrs ng t l sofpr e si le . t iki he os e- xitng ins He e, hes c ed Cr dior di notf lt fl apr ofac am . I t a t Cr t s r t e ur e t s d ai o ie oof l i nse d, he edior c et pa tcpae i t ba pt y pr e di , l i t o h t flng ofa uns c e hos o rii t n he nknl c oc e ngs a bet hr ug he ii n e ur d pr ofcli . Unde t De o ' pa ntpln asc im e by t Ba nz c Cour,he oof am r he bt r s yme a onfr d he nk pt y tt Cli wilbepad i 1 1,a t h wiho i e e t t oug diti i fom t Tr see The am l i n 1 lhoug t ut ntr s, hr h srbutons r he u t . Cr t sga ne t srg t pa ntt ought ba p cypl n bypm i i tng i t edior i d hi i ht o yme hr he nknzt a cpa i n he p o e dng , n j5 6d r q ie t erl nb a i e n w t tte ha es c e sul a ie r c e i s a d 0 () e u rs h i i e vod d o ha h y v u c sf l vald e y t m s l s ofs h bene is he e ve uc ft . Gi n t Cr dior lc o pa tcpai n a t Ba u c Cour a on a ve he e t s a k f rii to t he nkr pty t nd ppea he e i i l r ,t s unkno whyt Cl i wasfl d a l s cur d.I ar c nt s e tsm ia ca e i t wn he am ie s m e e n e e , om wha i lr s n he Ban u c Cour f rt W eser D i ti tofV igi a, c e t r a know l ed t ti ha kr pt y t o he t n sr c r ni a r dio c edg ha t d 2Seto 5 6 d()wa a de b a n me tn 1 8 Se Ba k u tyAme d nsa dFe ea J d ehpAc o cin 0 ( )2 s d d y me d n i 9 4. e n rpc n me t n d rl u g s i t f 1 4, bL. 33 3 j4 8b , 8Sa. 7 98 PU . 9 - 5 , 4 () 9 tt3 4. i e i l fl d a uns c edcli a pa t t de t ' ba u c pr e ngs whiesil ntntonaly ie n e ur a m s r of he b ors nkr pt y oc edi , l tl hol ng ape f c e de d oftus s u i ale a i tt de orspr pe t l r Bur te, di re td e r t ec rng in gans he bt ' o ry. n e ne t No. 1 7 6 2 a 2 ( n r W . Va No e t 1 , 01 ) l ds lo n t ecam a a 1 - 1 2 , t Ba k . D. . v mb r 8 2 1. n ialwig h li s n obsa l t t d orsa lt t co im aba u c pln unde whih hi c edior c d be t ce o he ebt ' biiy o nfr nkr pt y a r c s r t s oul p i i 11,h bn k ptyj g n tdt a th itn in l iigo a u e u e cam b te ad n 1tt n nl c ud e oe h t t e ne to a fl f n nsc r d li y h t n c e t whi i f cthasaf ly s ur d cai a i be ng s teaedi t Pl m a vi a et r dior ch n a ' l ec e l m nd s i o r t n he an y olt he u p o ii n o Fe e a Rueo Ba k p c P o e u e9 1b () ( )a d( )a ds b e the r v so s f d r l l f n nlty r c d r 01 ()1, 2 n 4 n u j c t c ediort pos i es nci . I W hae rt Cr dior 'r as f rflnga uns ur d r t o sbl a tons' d. ' t ve he e t s e ons o ii n ec e c am i t sca e, heCode doe note il t m t pa nto t i dam t ough diti i l i n hi s t s ntte he o yme f her i hz srbutons u d rt b n e he pc pln whl si rtii gt ers c rdj d ca le ;n oh rwo d ,h y ty a , ie tl ean n h i e u e u iilin i t e r s te l c nnotha i bot wa .Thec t t r ne t t be us t Cr dior fl a a l a ve t h ys our dee mi s ha , ca e he e t s ied n lowed p o fo cam u e j5 ,h e e to t tea o d n erq ie n i j5 6 d ( )d e no r o f li nd r 01 te xc p in o h v ia c e ur me t n 0 ( )2 o s t a y i t sc e, t le s d ha be a de ppl n hi as and he in houl ve en voi d, 11 1. Conc us on l i Bas ont f e ng, heco t ncudest tt Cr dior 'le s d ha be n ed he or goi t ur co l ha he e t s in houl ve e a oie u d rj5 6 d .Ac o d n l,h d cso o t eBa k ztyCo r wil erves da d v d d n e 0 ( ) c r i gy t e e iin f h n n pc u t lb e re n r m a d f f rhe pr e ngsco itntwih t sopi on. e nde or u t r oc edi nsse t hi ni The Clr i die t t s nd c ri d c esoft sm e a e k s x ced o e e tfe opi hi mor ndum o ni a t pi on nd he a om pa ng or rt t pa te . cc nyi de o he r i s ENTER : Thi s -;t ' d d ofN ove be , 2. ay m r 201 Chi fU nied St t s D it i tJ e t a e s rc udge 6
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