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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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. 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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 . 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' 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