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Tj /F7 9.84 Tf -26.88 -6.72 TD (il") Tj /F7 11.60 Tf 27.12 2.16 TD (c:-) Tj /F7 8.57 Tf -26.88 -6.24 TD (~~~) Tj /F7 14.30 Tf 27.36 1.68 TD (c:) Tj /F7 5.83 Tf -26.88 -8.16 TD (_~J'C) Tj /F7 19.07 Tf 26.88 3.36 TD (~) Tj /F7 9.43 Tf -26.64 -10.32 TD (:i c:) Tj /F7 21.29 Tf 28.56 -8.88 TD (~) Tj /F7 8.87 Tf -36.24 4.08 TD (Ul;:") Tj /F7 17.14 Tf 84.00 -7.68 TD (.") Tj /F7 11.23 Tf -83.52 1.20 TD (l"r~) Tj /F7 15.30 Tf 36.48 -5.04 TD (a:) Tj /F7 10.63 Tf -36.24 -2.40 TD (;1;00) Tj /F7 33.15 Tf 83.52 1.92 TD (-) Tj /F7 10.26 Tf -83.52 -7.44 TD (~L---) Tj /F7 13.45 Tf 34.56 -2.40 TD (iN) Tj /F7 33.15 Tf 49.44 0.00 TD (r) Tj /F9 8.20 Tf -83.52 -4.80 TD (:t VI '") Tj /F7 11.95 Tf 83.52 -5.04 TD (fT) Tj /F7 9.19 Tf -75.60 1.20 TD (~_.,) Tj /F7 8.20 Tf -7.92 -5.76 TD (,') Tj /F7 5.91 Tf 15.36 0.24 TD (:i1) Tj /F7 12.37 Tf 19.20 -2.40 TD (:P) Tj /F7 14.96 Tf 49.20 -3.84 TD (O) Tj /F7 10.11 Tf -83.52 -1.20 TD (;;~=) Tj /F7 14.30 Tf 34.32 -1.44 TD (:z) Tj /F9 11.11 Tf -33.84 -5.52 TD (:t ij--) Tj /F7 14.63 Tf 34.32 -9.36 TD (c:) Tj /F7 15.60 Tf -26.16 4.08 TD (0") Tj /F7 13.87 Tf 0.00 -6.72 TD (i:o) Tj /F7 10.71 Tf 0.00 -8.40 TD (Cc:) Tj /F7 17.28 Tf 26.88 0.72 TD (.r) Tj /F7 7.77 Tf -26.40 -6.96 TD ('";::i) Tj /F7 16.90 Tf 26.88 0.00 TD (-i) Tj /F8 6.00 Tf -26.64 -2.16 TD (. --) Tj /F7 13.72 Tf -276.72 -57.12 TD (UNITED STATES DISTRICT COURT) Tj /F7 13.78 Tf -8.16 -21.60 TD (CENTRAL DISTRICT OF CALIFORNIA) Tj /F9 12.45 Tf -105.36 -32.40 TD (鶹ý Trade Commission,) Tj /F7 14.98 Tf 99.36 -21.60 TD (Plaitiff,) Tj /F7 12.53 Tf 131.28 20.64 TD (Case No.SACV09-117 DOC\(MGx\)) Tj /F7 12.16 Tf -129.84 -42.48 TD (v.) Tj /F7 13.21 Tf 129.60 -.96 TD (COMPLAmT FOR PERMANENT) Tj /F8 13.56 Tf -.48 -10.80 TD (INJUCTION AND OTHER) Tj /F7 12.90 Tf 0.00 -10.56 TD (EQUITABLE RELIEF) Tj /F9 12.56 Tf -230.16 0.96 TD (National Foreclosure Relief, Inc.,) Tj /F7 12.69 Tf 10.32 -11.04 TD (a corporation;) Tj /F7 12.54 Tf -10.32 -21.36 TD (David Ealy-,) Tj /F7 12.68 Tf 10.32 -11.04 TD (an indiviual;) Tj /F7 13.41 Tf -9.60 -21.84 TD (Chele Stone, a/k/a Chele Medina,) Tj /F7 12.80 Tf 9.60 -11.04 TD (an individual; and) Tj /F9 12.56 Tf -10.08 -21.84 TD (Hugo Tapia,) Tj /F7 12.75 Tf 6.48 -11.04 TD (an individual,) Tj /F7 12.84 Tf 92.88 -22.08 TD (Defendants.) Tj /F7 12.98 Tf -66.24 -66.00 TD (Plaintiff, the 鶹ý Trade Commission \("FTC"\), for its complaint alleges:) Tj /F8 5.00 Tf 1.20 -22.08 TD (1. 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Tj /F15 23.15 Tf -228.24 -21.84 TD (3 JURISDICTION AND VENUE) Tj /F15 10.12 Tf -.24 -22.08 TD (4 2. This Court has subject matter jurisdiction pursuant to 28 U.S.c. 1331,) Tj /F15 9.30 Tf 0.48 -21.84 TD (5 1337\(a\), and 1345, and 15 U.S.c. 45\(a\) and 53\(b\).) Tj /F15 10.08 Tf -.24 -22.08 TD (6 3. Venue is proper in this District under 28 U.S.c. 1391\(b\) and \(c\), and) Tj /F15 9.62 Tf 0.00 -22.08 TD (7 15 U.S.C. 53\(b\).) Tj /F15 42.51 Tf 0.24 -22.08 TD (8 PLAINTIFF) Tj /F15 5.00 Tf -.24 -21.84 TD (9 4. Plaintiff ) Tj 133.44 0.00 TD (FTC is an independent agency of ) Tj /F16 14.08 Tf 177.36 -.24 TD (the United States Governent) Tj /F14 12.53 Tf -316.32 -21.84 TD (10 created by statute. 15 U.S.c. 41-58. The FTC is charged, inter alia, with) Tj /F15 5.00 Tf 0.00 -22.08 TD (11 enforcement of ) Tj 108.24 -.24 TD (Section 5\(a\) of ) Tj /F16 13.15 Tf 80.88 0.00 TD (the FTC Act, 15 U.S.C. 45\(a\), which prohibits) Tj /F16 13.48 Tf -189.12 -21.84 TD (12 unfair or deceptive acts or practices in or affecting commerce. The FTC is authorized) Tj /F16 13.39 Tf 0.00 -21.84 TD (13 to initiate federal district court proceedings, by its own attorneys, to enjoin violations) Tj /F16 13.36 Tf 0.00 -22.08 TD (14 of the FTC Act and to secure such equitable relief as may be appropriate in each case,) Tj /F14 12.46 Tf 0.00 -22.08 TD (15 including restitution and disgorgement. 15 U.S.C. 53\(b\).) Tj /F15 37.82 Tf 0.00 -22.08 TD (16 DEFENDANTS) Tj /F15 10.56 Tf 0.00 -21.84 TD (17 5. Defendant National Foreclosure Relief, Inc. \("NFR"\) is a Nevada) Tj /F15 5.00 Tf 0.00 -22.08 TD (18 corporation that has its principal place of ) Tj /F14 11.69 Tf 243.36 -.24 TD (business at 1505 E. 17th St. in Santa Ana,) Tj /F16 13.60 Tf -243.36 -21.84 TD (19 California. NFR has been in business since at least 2006. NFR transacts or has) Tj /F14 12.35 Tf -1.44 -22.08 TD (20 transacted business in the Central District of California.) Tj /F15 10.50 Tf 0.00 -22.08 TD (21 6. Defendant David Ealy has been the president ofNFR since its inception) Tj /F16 13.62 Tf 0.00 -21.84 TD (22 and is also a director and shareholder ofNFR. Ealy resides or has transacted business) Tj /F16 13.51 Tf 0.00 -22.08 TD (23 in this District. At all times material to this complaint, acting alone or in concert with) Tj /F14 12.19 Tf 0.00 -22.08 TD (24 others, Ealy has formulated, directed, controlled, or participated in the acts and) Tj /F16 13.53 Tf 0.00 -22.08 TD (25 practices ofNFR, including the acts and practices set forth in this complaint.) Tj /F15 10.84 Tf 0.00 -21.84 TD (26 7. Defendant Chele Stone, a/k/a Chele Medina, was a director ofNFR) Tj /F14 12.29 Tf 0.00 -22.08 TD (27 between approximately May 2006 and May 2007. Stone is also a shareholder of) Tj /F16 13.50 Tf 0.00 -22.08 TD (28 NFR. 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Tj /F23 10.57 Tf 0.24 -22.08 TD (3 8. Defendant Hugo Tapia has been a director ofNFR since at least May 30,) Tj /F22 13.48 Tf -.24 -22.08 TD (4 2007. Tapia has been NFR's corporate treasurer since June 30, 2006, and its) Tj /F21 12.47 Tf 0.48 -21.84 TD (5 corporate secretar since November 26,2007. Tapia is also a shareholder ofNFR.) Tj /F22 13.42 Tf -.24 -22.08 TD (6 At all times material to this complaint, acting alone or in concert with others, Tapia) Tj /F21 12.26 Tf 0.00 -22.08 TD (7 has formulated, directed, controlled, or participated in the acts and practices ofNFR,) Tj /F22 13.49 Tf 0.24 -22.08 TD (8 including the acts and practices set forth in this complaint.) Tj /F23 47.60 Tf -.24 -21.84 TD (9 COMMERCE) Tj /F23 10.21 Tf -5.52 -22.08 TD (10 9. At all times relevant to this complaint, Defendants have maintained a) Tj /F21 12.19 Tf 0.00 -22.08 TD (11 substantial course of trade in or affecting commerce, as "commerce" is defined in) Tj /F23 5.00 Tf 0.00 -22.08 TD (12 Section 4 of ) Tj /F22 13.05 Tf 91.20 -.24 TD (the FTC Act, 15 U.S.C. 44.) Tj /F23 18.70 Tf -91.20 -21.60 TD (13 DEFENDANTS' BUSINESS PRACTICES) Tj /F23 10.24 Tf 0.00 -22.08 TD (14 10. Since at least 2006, NFR has engaged in a course of conduct to) Tj /F22 13.39 Tf 0.00 -22.08 TD (15 advertise, market, offer to sell, and sell to consumers mortgage foreclosure rescue) Tj /F22 13.47 Tf 0.00 -22.08 TD (16 services. NFR targets consumers who are in arrears on their home mortgages and are) Tj /F21 12.49 Tf 0.00 -21.84 TD (17 facing foreclosure. NFR typically makes its initial contact with consumers by) Tj /F22 13.34 Tf 0.00 -22.08 TD (18 sending them a postcard or flyer in the U.S. maiL. NFR sends these advertisements to) Tj /F23 9.85 Tf 0.00 -22.08 TD (19 consumers throughout the countr.) Tj /F23 10.21 Tf -1.44 -22.08 TD (20 11. One flyer that NFR has sent to consumers states the following:) Tj /F21 15.56 Tf 0.00 -22.08 TD (21 We understand things can happen beyond your control that) Tj /F23 12.05 Tf 0.00 -21.84 TD (22 may cause you to get behind in payments. You can now take) Tj /F22 16.85 Tf 0.00 -22.08 TD (23 advantage of a special program specifically designed to assist) Tj /F21 19.03 Tf 0.00 -22.08 TD (24 you during these times.) Tj /F23 22.18 Tf 0.00 -22.08 TD (25 WE GUARANTEE OUR PROGRAM) Tj /F21 15.18 Tf 0.00 -21.84 TD (26 The "Fresh Start Proeram" should allow us to help you stop) Tj /F21 15.10 Tf 0.00 -22.08 TD (27 your current foreclosure by rewriting your existing loan. 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Tj /F28 11.04 Tf 0.00 -22.08 TD (16) Tj /F28 11.28 Tf 0.00 -21.84 TD (17) Tj /F28 11.04 Tf 0.00 -22.08 TD (18) Tj /F28 11.28 Tf 0.00 -22.08 TD (19) Tj /F28 12.48 Tf -1.44 -22.08 TD (20) Tj /F28 11.76 Tf 0.00 -22.08 TD (21) Tj /F28 12.48 Tf 0.00 -21.84 TD (22) Tj /F28 12.00 Tf 0.00 -22.08 TD (23) Tj /F28 30.05 Tf 0.00 -22.08 TD (24 13.) Tj /F28 14.80 Tf 0.00 -22.08 TD (25 postcard:) Tj /F28 12.48 Tf 0.00 -21.84 TD (26) Tj /F28 12.73 Tf 0.00 -22.08 TD (27) Tj /F28 12.48 Tf 0.00 -22.08 TD (28) Tj /F28 13.29 Tf 93.60 594.48 TD (bring their loan current. Using the Fresh Start Program, you will) Tj /F28 13.11 Tf 0.00 -22.08 TD (be able to resume your mortgage payment, plus a small "catch-up") Tj /F28 13.36 Tf 0.00 -22.08 TD (payment. A filing fee is charged by National Foreclosure Relief) Tj /F29 12.06 Tf 0.00 -22.08 TD (to package your paperwork and submit it for the Fresh Star) Tj /F28 12.80 Tf 0.24 -21.60 TD (Program.) Tj /F29 12.10 Tf 0.00 -44.16 TD (To possibly stop your foreclosure using the "Fresh Star) Tj /F29 11.90 Tf 0.00 -22.08 TD (Program", please call us immediately at 1-866-389-4283.) Tj /F28 13.64 Tf 0.00 -21.84 TD (You can take advantage of the "Fresh Start Proeram" right now) Tj /F28 13.15 Tf 0.24 -22.32 TD (and possibly prevent this from happening by calling National) Tj /F28 13.42 Tf -.24 -21.84 TD (Foreclosure Relief There is not much time remaining so you) Tj /F29 12.14 Tf -.24 -22.08 TD (must take action now to possibly save your home. Weare not) Tj /F28 13.35 Tf -.24 -22.08 TD (your lender or your lender's agent. We work on your behalfwith) Tj /F28 13.02 Tf 0.00 -22.08 TD (your lender.) Tj /F28 13.23 Tf 0.72 -22.08 TD (One version ofNFR's postcard reads in relevant part as follows:) Tj /F28 13.28 Tf -.24 -22.08 TD (It is required that you are notified of these options. We have) Tj /F28 13.23 Tf 0.24 -21.84 TD (attempted to contact you without success. Please contact us soon.) Tj /F28 13.27 Tf -.24 -21.84 TD (Your time to enter a repayment plan is running out. Rights may) Tj /F28 12.74 Tf 0.00 -22.08 TD (include:) Tj /F30 10.76 Tf 1.44 -22.08 TD (1. a repayment plan) Tj /F30 9.28 Tf -1.44 -22.08 TD (2. putting your past due payments into the balance of the loan) Tj /F30 9.40 Tf 0.24 -21.84 TD (3. paying your past due payments at the end of your loan.) 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Tj /F35 11.25 Tf 0.24 -22.08 TD (3 You have already been pre-approved for this loan program.) Tj /F35 10.88 Tf -.24 -22.08 TD (4 Please contact us immediately we are interested in helping you) Tj /F35 11.09 Tf 0.48 -21.84 TD (5 resolve this problem. Following final approval, our program may) Tj /F35 11.45 Tf -.24 -22.08 TD (6 allow any foreclosure proceedings to be stopped.) Tj /F35 10.38 Tf 0.00 -22.08 TD (7 14. Consumers speak to an NFR sales representative when they call the) Tj /F36 12.46 Tf 0.24 -22.08 TD (8 telephone number provided in NFR's mail solicitations.) Tj /F35 9.94 Tf -.24 -21.84 TD (9 15. During the call, the NFR sales representative elicits information about) Tj /F36 12.30 Tf -5.52 -22.08 TD (10 the consumer's mortgage and his financial situation. The information is used during) Tj /F36 12.32 Tf 0.00 -22.08 TD (11 the call to determine whether the consumer "qualifies" for NFR's program.) Tj /F36 13.46 Tf 0.00 -22.08 TD (12 16. The NFR sales representative assures consumers who "qualifY" that) Tj /F37 13.52 Tf 0.00 -21.84 TD (13 NFR will stop foreclosure and will save the consumer's home. The sales) Tj /F37 13.47 Tf 0.00 -22.08 TD (14 representative tells consumers that NFR guarantees its service. In addition, the sales) Tj /F36 12.34 Tf 0.00 -22.08 TD (15 representative promises that NFR will immediately begin negotiating with the) Tj /F35 9.79 Tf 0.00 -22.08 TD (16 consumer's lender.) Tj /F36 13.67 Tf 0.00 -21.84 TD (17 17. Consumers are instructed that they will have to pay NFR' s fee) Tj /F36 12.30 Tf 0.00 -22.08 TD (18 immediately, so that NFR can begin working on the consumer's file right away.) Tj /F36 12.10 Tf 0.00 -22.08 TD (19 NFR's fee varies and ranges primarily between $300 and $1,000. Consumers who do) Tj /F36 12.35 Tf -1.44 -22.08 TD (20 not wish to pay by credit or debit card are instrcted to purchase a MoneyGram.) Tj /F36 12.41 Tf 0.00 -22.08 TD (21 Consumers typically pay NFR or provide NFR with payment information before the) Tj /F36 12.23 Tf 0.00 -21.84 TD (22 consumer receives any contract or other paperwork from NFR.) Tj /F35 10.32 Tf 0.00 -22.08 TD (23 18. In numerous instances, NFR sales representatives represent that NFR) Tj /F37 13.57 Tf 0.00 -22.08 TD (24 will refund the consumer's money ifNFR does not stop foreclosure.) Tj /F35 10.39 Tf 0.00 -22.08 TD (25 19. After consumers have paid NFR for foreclosure-relief services, NFR) Tj /F37 13.38 Tf 0.00 -21.84 TD (26 often does not return consumers' telephone calls or provide updates concerning the) Tj /F35 5.00 Tf 0.00 -22.08 TD (27 status of ) Tj /F37 13.27 Tf 73.44 0.00 TD (its communications with the consumer's lender. 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QOw4=:'UG&i:M?A6Nh&:N'4&& fmQI E=M&UGO&*p W,m 񶓐fh6m+&>6ululjޗfcoVIVa%̜m~ 5hf ~^Itnnt&j]j_uVI__u_/t~I'It__׏mǏ?___IWU]|?_ߥ,'\b:b}_DLD"c^_/ _@ _ _]/ /KK7__^KK7곪7u_K/_]}~w}׺ uK_v}_K_R^%6^hDV_$I/_JK.K״KbAW 턽&KaI_茿.8˜^S <6|~S n+n-nx_kaL/kZVF/mzahիI`i6xh+V!iZMi&V[iZ"ckǯݤFmz}WAqTƚqQIM8!4I㨨ca$a ZIIl046M8aM*M׭gz @  mA@_5VSv_ aj  u@ت*(m4‚@60@ؠA `T u|E ! B !D0@ &0B!  )VaB ` UAC  U D0B!aDDDDDDDDGK_u%6Zz GK S? M ߕ#(6/)_n;H6_y0/qDpDa)Spu# ix@(TC000Kx&E ch6tNIib~TKճm+IO>ӥV]+P~FcI⾫߂<`$߄L}%>7 I_ޗa[_:}/7_H>H~Moo a&Ki}0N˜_wFwI=[Iq5jV!|TRipcM6^ `*@Q_DDeXAaR&(/AK__./ 4@ endstream endobj 40 0 obj << /Length 3241 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im41 Do Q Q q BT 3 Tr /F42 13.42 Tf 50.16 695.76 TD (1 consumers are able to speak with a live representative, consumers are told) Tj /F43 9.22 Tf -1.44 -22.08 TD (2 negotiations with the consumer's lender are proceeding smoothly.) Tj /F44 13.40 Tf 0.24 -22.08 TD (3 20. NFR does not stop mortgage foreclosure or save consumers' homes in all) Tj /F44 12.94 Tf -.24 -22.08 TD (4 or virtually all instances.) Tj /F43 10.49 Tf 0.48 -21.84 TD (5 21. Many consumers who retain NFR's services ultimately lose their homes) Tj /F43 9.13 Tf -.24 -22.08 TD (6 to foreclosure. Other consumers avoid foreclosure only through their own efforts and) Tj /F43 9.56 Tf 0.00 -22.08 TD (7 not because of any service provided by NFR. Consumers who stop foreclosure) Tj /F42 13.42 Tf 0.24 -22.08 TD (8 through their own efforts sometimes learn that their lenders offer the same settlement) Tj /F44 12.26 Tf -.24 -21.84 TD (9 terms to consumers who negotiate on their own behalf that they offer through third) Tj /F44 12.17 Tf -5.52 -22.08 TD (10 parties such as NFR; other consumers learn that their lenders will negotiate only with) Tj /F44 12.18 Tf 0.00 -22.08 TD (11 consumers and not with third parties. In the end, many consumers who keep their) Tj /F42 13.49 Tf 0.00 -22.08 TD (12 homes are harmed by having purchased NFR's services because ofNFR's delays in) Tj /F43 5.00 Tf 0.00 -21.84 TD (13 staring negotiations with consumers' lenders, and because of ) Tj 351.84 -.24 TD (the additional ) Tj /F43 7.64 Tf 75.36 0.24 TD (late fees,) Tj /F42 13.45 Tf -427.20 -22.08 TD (14 penalties, and other costs that accrue during those delays.) Tj /F43 10.29 Tf 0.00 -22.08 TD (15 22. In many or most instances when NFR fails to stop foreclosure as) Tj /F42 13.45 Tf 0.00 -22.08 TD (16 promised, NFR denies refund requests from consumers.) Tj /F43 10.15 Tf 0.00 -21.84 TD (17 23. In those instances when NFR refunds any of its fees to such consumers,) Tj /F42 13.42 Tf 0.00 -22.08 TD (18 NFR frequently returns substantially less than the consumer paid.) Tj /F43 16.10 Tf 0.00 -22.08 TD (19 VIOLATIONS OF SECTION 5 OF THE FTC ACT) Tj /F43 5.00 Tf -1.44 -22.08 TD (20 24. Section 5\(a\) of ) Tj /F44 12.42 Tf 175.20 -.24 TD (the FTC Act, 15 U.S.c. 45\(a\), prohibits "unfair or) Tj /F44 12.24 Tf -175.20 -21.84 TD (21 deceptive acts and practices in or affecting commerce.") Tj /F43 9.99 Tf 0.00 -21.84 TD (22 25. Misrepresentations or deceptive omissions of material fact constitute) Tj /F43 5.00 Tf 0.00 -22.08 TD (23 deceptive acts or practices prohibited by Section 5\(a\) of ) Tj /F44 12.15 Tf 323.04 -.24 TD (the FTC Act.) Tj /F43 45.60 Tf -323.04 -21.84 TD (24 Count 1) Tj /F43 10.01 Tf 0.00 -22.08 TD (25 26. Defendants represent, expressly or by implication, that Defendants will) Tj /F44 12.55 Tf 0.00 -21.84 TD (26 stop foreclosure in all or virtually all instances.) Tj /F44 13.82 Tf 0.00 -22.08 TD (27 27. In truth and in fact, Defendants do not stop foreclosure in all or virtually) Tj /F42 14.44 Tf 0.00 -22.08 TD (28 all instances.) 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"a`eXB!N0D0B a a8aD&XB"?\(k ЯNa6A/?nh?/ӥW_%__$KIK#KI ___K `DM ^R 7_?_~6iV?gI$+WI&Au_aXAG_ё ___@ endstream endobj 47 0 obj << /Length 3164 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im48 Do Q Q q BT 3 Tr /F49 9.91 Tf 50.16 695.76 TD (1 28. Therefore, Defendants' representation as set forth in Paragraph 26 is) Tj /F50 12.18 Tf -1.44 -22.08 TD (2 false and misleading and constitutes a deceptive act or practice in violation of Section) Tj /F49 5.00 Tf 0.24 -22.08 TD (3 5\(a\) of ) Tj /F51 13.07 Tf 57.36 -.24 TD (the FTC Act, 15 U.S. C. 45\(a\).) Tj /F49 49.51 Tf -57.60 -21.84 TD (4 Count 2) Tj /F49 10.22 Tf 0.48 -21.84 TD (5 29. In numerous instances, Defendants represent to consumers, expressly or) Tj /F51 13.42 Tf -.24 -22.08 TD (6 by implication, that Defendants will give full refunds to consumers if Defendants fail) Tj /F49 9.02 Tf 0.00 -22.08 TD (7 to stop foreclosure.) Tj /F49 10.15 Tf 0.24 -22.08 TD (8 30. In truth and in fact, in numerous instances when Defendants make this) Tj /F50 12.09 Tf -.24 -21.84 TD (9 representation to consumers, Defendants do not give full refunds to consumers when) Tj /F50 12.38 Tf -5.52 -22.08 TD (10 Defendants fail to stop foreclosure.) Tj /F49 9.93 Tf 0.00 -22.08 TD (11 31. Therefore, Defendants' representation as set forth in Paragraph 29 is) Tj /F50 12.14 Tf 0.00 -22.08 TD (12 false and misleading and constitutes a deceptive act or practice in violation of Section) Tj /F49 5.00 Tf 0.00 -21.84 TD (13 5\(a\) of ) Tj /F51 13.07 Tf 62.88 -.24 TD (the FTC Act, 15 U.S. C. 45\(a\).) Tj /F49 5.00 Tf -62.88 -21.84 TD (14 CONSUMER ) Tj /F51 5.00 Tf 266.16 0.00 TD (INJURY ) Tj /F50 13.57 Tf -266.16 -22.08 TD (15 32. Consumers in the United States have suffered and will suffer injury as a) Tj /F51 13.48 Tf 0.00 -22.08 TD (16 result of Defendants' violations of the FTC Act. In addition, Defendants have been) Tj /F49 5.00 Tf 0.00 -21.84 TD (17 unjustly emiched as a result of ) Tj /F51 13.50 Tf 188.88 -.24 TD (their unlawful practices. Absent injunctive reliefby) Tj /F51 13.42 Tf -188.88 -21.84 TD (18 this Court, Defendants are likely to continue to injure consumers, reap unjust) Tj /F50 12.25 Tf 0.00 -22.08 TD (19 enrichment, and harm the public interest.) Tj /F49 17.49 Tf -1.44 -22.08 TD (20 THIS COURT'S POWER TO GRANT RELIEF) Tj /F49 5.00 Tf 0.00 -22.08 TD (21 33. Section 13\(b\) of ) Tj /F51 13.15 Tf 182.40 -.24 TD (the FTC Act, 15 U.S.C. 53\(b\), empowers this Court to) Tj /F51 13.44 Tf -182.40 -21.60 TD (22 grant injunctive and such other relief as the Court may deem appropriate to halt and) Tj /F50 12.39 Tf 0.00 -22.08 TD (23 redress violations of the FTC Act. The Court, in the exercise of its equitable) Tj /F51 13.47 Tf 0.00 -22.08 TD (24 jurisdiction, may award ancillary relief, including rescission of contracts and) Tj /F49 5.00 Tf 0.00 -22.08 TD (25 restitution, and the disgorgement of ) Tj /F51 13.14 Tf 216.96 0.00 TD (ill-gotten monies, to prevent and remedy any) Tj /F50 12.74 Tf -216.96 -21.84 TD (26 violation of any provision oflaw enforced by the FTC.) 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NWaz9#"gHX gX8N?(pDy8":Æ GAv#-#/$tA?E JcPc0$ 0M ! 4t+IPPq?6ۧzIBBצÆ'LJME }&ZZD~$hZDy&<":顲:#:=\Dtܡ(n8鴩48,cX""I~ID2_ ݹG# Dt#ܡA #B/;Xq|}}kmC~GPD~l":}8#(|oCP1mi[:C]X{IeZ#L#AG_(\G]㫎-_?8uw_P#ЈS(pa#MP#at#E"dG@!qdyذAX!".1HXAD&0BBABjg UL  sբ0Y l&Tg#E""""""""#T2XdO"H ,#j1Cqhe eFGg6DcC<aZeQ(3@!c:B q4f000,ȕ ĥCBrCl5qDL G.CBphŢg < _ El2 .u!! 1 pd&@ :M H:E&ŶNsf # 4f)CY9H@dtk0MJPAa :GH㧜}zt(:jQCJ5n- 46-68qwwaNIշN]>чZ@G[п JDuGHХD~PCwےzڌpxci%#8kY|z}џ>/{_ACݧ":#sGCLpaG\G!gDEzql\|{oޯz7+j;o>#"?#KGP#>tSvP":{ #|":jqqha'$㈸ӎR,1k{_cp_m'lI__*F9C9C9CaoNpDyF9+G":sa6B"#?.2`C꺯LEtAquիXUصXq\wwkoo UN"?"8Du@#":@":;aNGN;(v)kb[qqťkƶ:ƺt߮_WbbmGTֿ/~ewr3D~AD~">f#[(tia>":amt§N6-P /~wFŧ8uiSog֓d[O_/-uo_m+Vմon#QoN(Duԡ%#B@":#qB#8a؋׌ J-/bAFl(n88RAAikۥj0tO@9C9CG"> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im55 Do Q Q q BT 3 Tr /F56 23.64 Tf 48.96 700.80 TD (1 PRA YER f'OR RELIEf~) Tj /F56 10.01 Tf -.96 -21.84 TD (2 Wherefore, Plaintiff 鶹ý Trade Commssion, pursuant to Section 13\(b\) of) Tj /F57 13.39 Tf 0.24 -22.56 TD (3 the FTC Act, 15 U.S.c. 53\(b\), and the Court's own equitable powers, requests that) Tj /F56 9.80 Tf -.72 -21.60 TD (4 the Court:) Tj /F56 9.85 Tf 0.72 -22.32 TD (5 A. A ward Plaintiff such preliminary injunctive and ancillary relief as may) Tj /F56 8.83 Tf 0.00 -22.32 TD (6 be necessary to avert the likelihood of consumer injury during the pendency of this) Tj /F58 12.43 Tf -.24 -21.84 TD (7 action, and to preserve the possibilty of effective final relief, including but not) Tj /F56 8.86 Tf 0.48 -21.84 TD (8 limited to temporary and preliminary injunctions, an order freezing assets, immediate) Tj /F56 8.94 Tf -.24 -22.32 TD (9 access, and the appointment of a receiver;) Tj /F57 11.04 Tf -5.28 -21.60 TD (10) Tj /F57 11.77 Tf 57.84 -.48 TD (B.) Tj /F57 13.03 Tf 33.84 0.00 TD (Enter a permanent injunction to prevent future violations of the FTC Act) Tj /F56 10.05 Tf -91.68 -21.36 TD (11 by Defendants;) Tj /F57 10.32 Tf 0.48 -22.08 TD (12) Tj /F57 15.56 Tf 57.60 -.24 TD (c.) Tj /F57 13.01 Tf 34.08 0.00 TD (Award such relief as the Court finds necessary to redress injury to) Tj /F58 12.27 Tf -91.92 -21.84 TD (13 consumers resulting from Defendants' violations of the FTC Act, including but not) Tj /F57 13.26 Tf -.48 -22.08 TD (14 limited to rescission or reformation of contracts, restitution, the refund of monies) Tj /F57 10.80 Tf 0.00 -22.08 TD (15) Tj /F57 10.08 Tf 1.20 -22.08 TD (16) Tj /F57 10.56 Tf -.96 -22.56 TD (17) Tj 0.24 -21.60 TD (18) Tj /F57 10.80 Tf -.24 -21.84 TD (19) Tj /F57 12.24 Tf -1.20 -22.08 TD (20) Tj /F57 10.80 Tf 0.24 -21.84 TD (21) Tj /F57 12.00 Tf -.24 -22.08 TD (22) Tj /F57 11.76 Tf 0.00 -22.08 TD (23) Tj /F57 12.48 Tf 0.00 -22.08 TD (24) Tj /F57 11.76 Tf 0.00 -22.08 TD (25) Tj /F57 12.00 Tf 0.00 -21.84 TD (26) Tj 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F57 13.17 Tf 25.68 286.08 TD (paid, and the disgorgement of il-gotten monies; and) Tj /F57 13.54 Tf 33.84 -21.84 TD (D. A ward Plaintiff the costs of bringing this action, as well as such other) Tj /F57 13.11 Tf -33.84 -22.32 TD (and additional relief as the Court may determne to be just and proper.) Tj /F56 8.89 Tf 203.04 -44.64 TD (Respectfully submitted,) Tj /F58 12.56 Tf 0.00 -21.84 TD (DA VID C. SHONKA) Tj /F57 12.94 Tf 0.24 -11.04 TD (Acting General Counsel) Tj /F58 13.96 Tf -203.04 -32.40 TD (Dated--.......,-:... -- ,.. .) Tj /F58 9.39 Tf 31.44 -1.92 TD (:'''::'~,'L:L-.-:::' \( \)i.. i\(,1 ,) Tj /F56 5.00 Tf 219.12 6.00 TD (, .' . ....,..) Tj /F57 20.49 Tf -.96 -.96 TD (. .. .... ....) Tj /F56 6.29 Tf -.96 -.96 TD (. . - -...'~., ...,) Tj /F56 5.00 Tf -42.24 -1.68 TD (-..,..................... ..,._..........;.......,.................'.-..-) Tj /F58 7.66 Tf 8.64 -.96 TD (. . . ......-. .....-..,...,._..... ...... .".".) Tj /F57 12.58 Tf -12.48 -11.52 TD (J6ij'Tf:-J6S1.... .) Tj /F57 12.93 Tf 0.24 -10.80 TD (Barbara Y.K. 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*ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1227 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1228 0 obj <>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^VBpQ FHh ڿTTTTTTTTTTTTTTTTQE!lzΪ:@ց$;(Kt(KʒH;"eIw(,V{t#a]t#NvЍAHn$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 1229 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1230 0 obj <>stream H\0E @zmfӸ$=MRI.;7Iؘ<*/MuNGu~,Ȩ-􃛋2[c7)ʗn˫zeQP!vEm q[Z2w)ͤm/nꆨŋJ~?ōX4Z麶coMk'7]h ;88*jZ `pN+UA  >*H რ >*H რ >*H რ >*H0PQ6"$Pc@cdqMKՐšH;"dqw v{pápaw H;,ph:=qu4TG浨oj5\,z٣8rv/H >^#es9@/AE/Kˊrl.8]%3&cr``(_4xL”6Ii)>Ed endstream endobj 1231 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1232 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /P <>BDC /T1_0 1 Tf 3 Tr 23.64 0 0 23.64 48.96 700.8 Tm (1 PRA YER f'OR RELIEf~\001 )Tj EMC /P <>BDC 10.01 0 0 10.01 48 678.96 Tm (2 Wherefore, Plaintiff 鶹ý Trade Commssion, pursuant to Section 13\(\ b\) of\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.39 0 0 13.39 48.24 656.4 Tm (3 the FTC Act, 15 U.S.c. \247 53\(b\), and the Court's own equitable pow\ ers, requests that )Tj EMC /P <>BDC /T1_0 1 Tf 9.8 0 0 9.8 47.52 634.8 Tm (4 the Court:\001 )Tj EMC /P <>BDC 9.85 0 0 9.85 48.24 612.48 Tm (5 A. A ward Plaintiff such preliminary injunctive and ancillary relief a\ s may\001 )Tj EMC /P <>BDC 8.83 0 0 8.83 48.24 590.16 Tm (6 be necessary to avert the likelihood of consumer injury during the pen\ dency of this\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.43 0 0 12.43 48 568.32 Tm (7 action, and to preserve the possibilty of effective final relief, incl\ uding but not )Tj EMC /P <>BDC /T1_0 1 Tf 8.86 0 0 8.86 48.48 546.48 Tm (8 limited to temporary and preliminary injunctions, an order freezing as\ sets, immediate\001 )Tj EMC /P <>BDC 8.94 0 0 8.94 48.24 524.16 Tm (9 access, and the appointment of a receiver;\001 )Tj EMC /P <>BDC /T1_1 1 Tf 11.04 0 0 11.04 42.96 502.56 Tm (10 )Tj 11.77 0 0 11.77 100.8 502.08 Tm (B. )Tj 13.03 0 0 13.03 134.64 502.08 Tm (Enter a permanent injunction to prevent future violations of the FTC Act\ )Tj EMC /P <>BDC /T1_0 1 Tf 10.05 0 0 10.05 42.96 480.72 Tm (11 by Defendants;\001 )Tj EMC /P <>BDC /T1_1 1 Tf 10.32 0 0 10.32 43.44 458.64 Tm (12 )Tj 15.56 0 0 15.56 101.04 458.4 Tm (c. )Tj 13.01 0 0 13.01 135.12 458.4 Tm (Award such relief as the Court finds necessary to redress injury to )Tj EMC /P <>BDC /T1_2 1 Tf 12.27 0 0 12.27 43.2 436.56 Tm (13 consumers resulting from Defendants' violations of the FTC Act, inclu\ ding but not )Tj EMC /P <>BDC /T1_1 1 Tf 13.26 0 0 13.26 42.72 414.48 Tm (14 limited to rescission or reformation of contracts, restitution, the r\ efund of monies )Tj 10.8 0 0 10.8 42.72 392.4 Tm (15 )Tj 13.17 0 0 13.17 67.44 392.16 Tm (paid, and the disgorgement of il-gotten monies; and )Tj 10.08 0 0 10.08 43.92 370.32 Tm (16 )Tj 13.54 0 0 13.54 101.28 370.32 Tm (D. A ward Plaintiff the costs of bringing this action, as well as such o\ ther )Tj 10.56 0 0 10.56 42.96 347.76 Tm (17 )Tj 13.11 0 0 13.11 67.44 348 Tm (and additional relief as the Court may determne to be just and proper. )Tj 10.56 0 0 10.56 43.2 326.16 Tm (18 )Tj EMC /TD <>BDC 10.8 0 0 10.8 42.96 304.32 Tm (19 )Tj EMC /TD <>BDC /T1_0 1 Tf 8.89 0 0 8.89 270.48 303.36 Tm (Respectfully submitted, )Tj EMC /TD <>BDC /T1_1 1 Tf 12.24 0 0 12.24 41.76 282.24 Tm (20 )Tj EMC /TD <>BDC /T1_2 1 Tf 12.56 0 0 12.56 270.48 281.52 Tm (DA VID C. SHONKA )Tj EMC /TD <>BDC /T1_1 1 Tf 10.8 0 0 10.8 42 260.4 Tm (21 )Tj EMC /TD <>BDC 12.94 0 0 12.94 270.72 270.48 Tm (Acting General Counsel )Tj EMC /TD <>BDC 12 0 0 12 41.76 238.32 Tm (22 )Tj 11.76 0 0 11.76 41.76 216.24 Tm (23 )Tj EMC /TD <>BDC /T1_2 1 Tf 13.96 0 0 13.96 67.68 238.08 Tm (Dated--.......,-:... -- ,.. .)Tj 9.39 0 0 9.39 99.12 236.16 Tm (:'''::'~,'L\241:L-.-:::' \( \)i.. i\(,1 , )Tj EMC /TD <>BDC /T1_0 1 Tf 5 0 0 5 318.24 242.16 Tm (, .' . ....,..)Tj /T1_1 1 Tf 20.49 0 0 20.49 317.28 241.2 Tm (. .. .... ....)Tj /T1_0 1 Tf 6.29 0 0 6.29 316.32 240.24 Tm (. . - -...'~., ...,)Tj 5 0 0 5 274.08 238.56 Tm (-..,..................... ..,._..........;.......,.................'.-..\ \255)Tj /T1_2 1 Tf 7.66 0 0 7.66 282.72 237.6 Tm (. . . ......-. .....-..,...,._..... ...... .".". )Tj /T1_1 1 Tf 12.58 0 0 12.58 270.24 226.08 Tm (J6ij\361'Tf:-J\343\352\3656S1.... .)Tj 12.93 0 0 12.93 270.48 215.28 Tm (Barbara Y.K. Chun )Tj EMC /TD <>BDC /T1_2 1 Tf 12.65 0 0 12.65 270.48 204.24 Tm (Maricela S~ura )Tj EMC /TD <>BDC /T1_1 1 Tf 12.48 0 0 12.48 41.76 194.16 Tm (24 )Tj 11.76 0 0 11.76 41.76 172.08 Tm (25 )Tj EMC /TD <>BDC /T1_2 1 Tf 11.66 0 0 11.66 270.48 193.2 Tm (Faye Chen Barnouw)Tj /T1_1 1 Tf 13.05 0 0 13.05 270.96 182.4 Tm (Attorneys for Plaintiff)Tj /T1_2 1 Tf 12.74 0 0 12.74 270.24 171.12 Tm (FEDERAL TRADE COMMISSION )Tj EMC /P <>BDC /T1_1 1 Tf 12 0 0 12 41.76 150.24 Tm (26\001 )Tj 0 -1.84 TD (27\001 )Tj T* (28\001 )Tj EMC /Artifact <>BDC 8.64 0 0 8.64 291.12 79.2 Tm (8 )Tj EMC ET endstream endobj 1233 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /LI_Title <>BDC /T1_0 1 Tf 3 Tr 9.91 0 0 9.91 50.16 695.76 Tm (1 28. Therefore, Defendants' representation as set forth in Paragraph 26\ is\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.18 0 0 12.18 48.72 673.68 Tm (2 false and misleading and constitutes a deceptive act or practice in vi\ olation of Section )Tj EMC /P <>BDC /T1_0 1 Tf 5 0 0 5 48.96 651.6 Tm (3 5\(a\) of \001)Tj EMC /P <>BDC /T1_2 1 Tf 13.07 0 0 13.07 106.32 651.36 Tm (the FTC Act, 15 U.S. C. \247 45\(a\).)Tj EMC /P <>BDC /T1_0 1 Tf 49.51 0 0 49.51 48.72 629.52 Tm (4 Count 2\001 )Tj EMC /LI_Title <>BDC 10.22 0 0 10.22 49.2 607.68 Tm (5 29. In numerous instances, Defendants represent to consumers, expressl\ y or\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.42 0 0 13.42 48.96 585.6 Tm (6 by implication, that Defendants will give full refunds to consumers if\ Defendants fail )Tj EMC /P <>BDC /T1_0 1 Tf 9.02 0 0 9.02 48.96 563.52 Tm (7 to stop foreclosure.\001 )Tj EMC /LI_Title <>BDC 10.15 0 0 10.15 49.2 541.44 Tm (8 30. In truth and in fact, in numerous instances when Defendants make t\ his\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.09 0 0 12.09 48.96 519.6 Tm (9 representation to consumers, Defendants do not give full refunds to co\ nsumers when )Tj 12.38 0 0 12.38 43.44 497.52 Tm (10 Defendants fail to stop foreclosure. )Tj EMC /P <>BDC /T1_0 1 Tf 9.93 0 0 9.93 43.44 475.44 Tm (11 31. Therefore, Defendants' representation as set forth in Paragraph 2\ 9 is\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.14 0 0 12.14 43.44 453.36 Tm (12 false and misleading and constitutes a deceptive act or practice in v\ iolation of Section )Tj EMC /P <>BDC /T1_0 1 Tf 5 0 0 5 43.44 431.52 Tm (13 5\(a\) of \001)Tj EMC /P <>BDC /T1_2 1 Tf 13.07 0 0 13.07 106.32 431.28 Tm (the FTC Act, 15 U.S. C. \247 45\(a\). )Tj EMC /P <>BDC /T1_0 1 Tf 5 0 0 5 43.44 409.44 Tm (14 CONSUMER )Tj /T1_2 1 Tf 53.232 0 Td (INJURY )Tj EMC /P <>BDC /T1_1 1 Tf 13.57 0 0 13.57 43.44 387.36 Tm (15 32. Consumers in the United States have suffered and will suffer inju\ ry as a )Tj EMC /P <>BDC /T1_2 1 Tf 13.48 0 0 13.48 43.44 365.28 Tm (16 result of Defendants' violations of the FTC Act. In addition, Defenda\ nts have been )Tj EMC /P <>BDC /T1_0 1 Tf 5 0 0 5 43.44 343.44 Tm (17 unjustly emiched as a result of \001)Tj EMC /P <>BDC /T1_2 1 Tf 13.5 0 0 13.5 232.32 343.2 Tm (their unlawful practices. Absent injunctive reliefby )Tj 13.42 0 0 13.42 43.44 321.36 Tm (18 this Court, Defendants are likely to continue to injure consumers, re\ ap unjust )Tj EMC /P <>BDC /T1_1 1 Tf 12.25 0 0 12.25 43.44 299.28 Tm (19 enrichment, and harm the public interest. )Tj EMC /P <>BDC /T1_0 1 Tf 17.49 0 0 17.49 42 277.2 Tm (20 THIS COURT'S POWER TO GRANT RELIEF\001 )Tj EMC /P <>BDC 5 0 0 5 42 255.12 Tm (21 33. Section 13\(b\) of \001)Tj EMC /P <>BDC /T1_2 1 Tf 13.15 0 0 13.15 224.4 254.88 Tm (the FTC Act, 15 U.S.C. \247 53\(b\), empowers this Court to )Tj 13.44 0 0 13.44 42 233.28 Tm (22 grant injunctive and such other relief as the Court may deem appropri\ ate to halt and )Tj /T1_1 1 Tf 12.39 0 0 12.39 42 211.2 Tm (23 redress violations of the FTC Act. The Court, in the exercise of its \ equitable )Tj /T1_2 1 Tf 13.47 0 0 13.47 42 189.12 Tm (24 jurisdiction, may award ancillary relief, including rescission of con\ tracts and )Tj EMC /P <>BDC /T1_0 1 Tf 5 0 0 5 42 167.04 Tm (25 restitution, and the disgorgement of \001)Tj EMC /P <>BDC /T1_2 1 Tf 13.14 0 0 13.14 258.96 167.04 Tm (ill-gotten monies, to prevent and remedy any )Tj EMC /P <>BDC /T1_1 1 Tf 12.74 0 0 12.74 42 145.2 Tm (26 violation of any provision oflaw enforced by the FTC. )Tj EMC /P <>BDC /T1_2 1 Tf 12.73 0 0 12.73 42 123.12 Tm (27 )Tj 12.48 0 0 12.48 42 101.04 Tm (28 )Tj EMC /Artifact <>BDC 9.12 0 0 9.12 292.08 75.36 Tm (7 )Tj EMC ET endstream endobj 1234 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /P <>BDC /T1_0 1 Tf 3 Tr 13.42 0 0 13.42 50.16 695.76 Tm (1 consumers are able to speak with a live representative, consumers are \ told )Tj EMC /P <>BDC /T1_1 1 Tf 9.22 0 0 9.22 48.72 673.68 Tm (2 negotiations with the consumer's lender are proceeding smoothly.\001 )Tj EMC /LI_Title <>BDC /T1_2 1 Tf 13.4 0 0 13.4 48.96 651.6 Tm (3 20. NFR does not stop mortgage foreclosure or save consumers' homes in\ all )Tj 12.94 0 0 12.94 48.72 629.52 Tm (4 or virtually all instances. )Tj EMC /LI_Title <>BDC /T1_1 1 Tf 10.49 0 0 10.49 49.2 607.68 Tm (5 21. Many consumers who retain NFR's services ultimately lose their hom\ es\001 )Tj EMC /P <>BDC 9.13 0 0 9.13 48.96 585.6 Tm (6 to foreclosure. Other consumers avoid foreclosure only through their o\ wn efforts and\001 )Tj EMC /P <>BDC 9.56 0 0 9.56 48.96 563.52 Tm (7 not because of any service provided by NFR. Consumers who stop foreclo\ sure\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.42 0 0 13.42 49.2 541.44 Tm (8 through their own efforts sometimes learn that their lenders offer the\ same settlement )Tj EMC /P <>BDC /T1_2 1 Tf 12.26 0 0 12.26 48.96 519.6 Tm (9 terms to consumers who negotiate on their own behalf that they offer t\ hrough third )Tj 12.17 0 0 12.17 43.44 497.52 Tm (10 parties such as NFR; other consumers learn that their lenders will ne\ gotiate only with )Tj 12.18 0 0 12.18 43.44 475.44 Tm (11 consumers and not with third parties. In the end, many consumers who \ keep their )Tj EMC /P <>BDC /T1_0 1 Tf 13.49 0 0 13.49 43.44 453.36 Tm (12 homes are harmed by having purchased NFR's services because ofNFR's d\ elays in )Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 43.44 431.52 Tm (13 staring negotiations with consumers' lenders, and because of )Tj 70.368 -0.048 Td (the additional )Tj 7.64 0 0 7.64 470.64 431.52 Tm (late fees,\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.45 0 0 13.45 43.44 409.44 Tm (14 penalties, and other costs that accrue during those delays. )Tj EMC /P <>BDC /T1_1 1 Tf 10.29 0 0 10.29 43.44 387.36 Tm (15 22. In many or most instances when NFR fails to stop foreclosure as\001\ )Tj EMC /P <>BDC /T1_0 1 Tf 13.45 0 0 13.45 43.44 365.28 Tm (16 promised, NFR denies refund requests from consumers. )Tj EMC /P <>BDC /T1_1 1 Tf 10.15 0 0 10.15 43.44 343.44 Tm (17 23. In those instances when NFR refunds any of its fees to such consu\ mers,\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.42 0 0 13.42 43.44 321.36 Tm (18 NFR frequently returns substantially less than the consumer paid. )Tj EMC /P <>BDC /T1_1 1 Tf 16.1 0 0 16.1 43.44 299.28 Tm (19 VIOLATIONS OF SECTION 5 OF THE FTC ACT\001 )Tj EMC /P <>BDC 5 0 0 5 42 277.2 Tm (20 24. Section 5\(a\) of \001)Tj EMC /P <>BDC /T1_2 1 Tf 12.42 0 0 12.42 217.2 276.96 Tm (the FTC Act, 15 U.S.c. \247 45\(a\), prohibits "unfair or )Tj 12.24 0 0 12.24 42 255.12 Tm (21 deceptive acts and practices in or affecting commerce." )Tj EMC /P <>BDC /T1_1 1 Tf 9.99 0 0 9.99 42 233.28 Tm (22 25. Misrepresentations or deceptive omissions of material fact consti\ tute\001 )Tj EMC /P <>BDC 5 0 0 5 42 211.2 Tm (23 deceptive acts or practices prohibited by Section 5\(a\) of \001)Tj EMC /P <>BDC /T1_2 1 Tf 12.15 0 0 12.15 365.04 210.96 Tm (the FTC Act.)Tj EMC /P <>BDC /T1_1 1 Tf 45.6 0 0 45.6 42 189.12 Tm (24 Count 1\001 )Tj EMC /P <>BDC 10.01 0 0 10.01 42 167.04 Tm (25 26. Defendants represent, expressly or by implication, that Defendant\ s will\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.55 0 0 12.55 42 145.2 Tm (26 stop foreclosure in all or virtually all instances.\001 )Tj 13.82 0 0 13.82 42 123.12 Tm (27 27. In truth and in fact, Defendants do not stop foreclosure in all o\ r virtually\001 )Tj EMC /P <>BDC /T1_0 1 Tf 14.44 0 0 14.44 42 101.04 Tm (28 all instances. )Tj EMC /Artifact <>BDC 9.6 0 0 9.6 292.08 75.36 Tm (6 )Tj EMC ET endstream endobj 1235 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /P <>BDC /T1_0 1 Tf 3 Tr 11.61 0 0 11.61 50.16 695.76 Tm (1 wrapped into a new loan, with a minimum new loan amount of\001 )Tj 14.98 0 0 14.98 48.72 673.68 Tm (2 $100,000 and no maximum.\001 )Tj 11.25 0 0 11.25 48.96 651.6 Tm (3 You have already been pre-approved for this loan program.\001 )Tj 10.88 0 0 10.88 48.72 629.52 Tm (4 Please contact us immediately we are interested in helping you\001 )Tj 11.09 0 0 11.09 49.2 607.68 Tm (5 resolve this problem. Following final approval, our program may\001 )Tj 11.45 0 0 11.45 48.96 585.6 Tm (6 allow any foreclosure proceedings to be stopped.\001 )Tj EMC /LI_Title <>BDC 10.38 0 0 10.38 48.96 563.52 Tm (7 14. Consumers speak to an NFR sales representative when they call the\001\ )Tj EMC /P <>BDC /T1_1 1 Tf 12.46 0 0 12.46 49.2 541.44 Tm (8 telephone number provided in NFR's mail solicitations. )Tj EMC /LI_Title <>BDC /T1_0 1 Tf 9.94 0 0 9.94 48.96 519.6 Tm (9 15. During the call, the NFR sales representative elicits information \ about\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.3 0 0 12.3 43.44 497.52 Tm (10 the consumer's mortgage and his financial situation. The information \ is used during )Tj 12.32 0 0 12.32 43.44 475.44 Tm (11 the call to determine whether the consumer "qualifies" for NFR's prog\ ram. )Tj 13.46 0 0 13.46 43.44 453.36 Tm (12 16. The NFR sales representative assures consumers who "qualifY" that\ )Tj EMC /P <>BDC /T1_2 1 Tf 13.52 0 0 13.52 43.44 431.52 Tm (13 NFR will stop foreclosure and will save the consumer's home. The sale\ s )Tj 13.47 0 0 13.47 43.44 409.44 Tm (14 representative tells consumers that NFR guarantees its service. In ad\ dition, the sales )Tj EMC /P <>BDC /T1_1 1 Tf 12.34 0 0 12.34 43.44 387.36 Tm (15 representative promises that NFR will immediately begin negotiating w\ ith the )Tj EMC /P <>BDC /T1_0 1 Tf 9.79 0 0 9.79 43.44 365.28 Tm (16 consumer's lender.\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.67 0 0 13.67 43.44 343.44 Tm (17 17. Consumers are instructed that they will have to pay NFR' s fee )Tj 12.3 0 0 12.3 43.44 321.36 Tm (18 immediately, so that NFR can begin working on the consumer's file rig\ ht away. )Tj 12.1 0 0 12.1 43.44 299.28 Tm (19 NFR's fee varies and ranges primarily between $300 and $1,000. Consum\ ers who do )Tj 12.35 0 0 12.35 42 277.2 Tm (20 not wish to pay by credit or debit card are instrcted to purchase a M\ oneyGram. )Tj 12.41 0 0 12.41 42 255.12 Tm (21 Consumers typically pay NFR or provide NFR with payment information b\ efore the )Tj 12.23 0 0 12.23 42 233.28 Tm (22 consumer receives any contract or other paperwork from NFR. )Tj EMC /P <>BDC /T1_0 1 Tf 10.32 0 0 10.32 42 211.2 Tm (23 18. In numerous instances, NFR sales representatives represent that N\ FR\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.57 0 0 13.57 42 189.12 Tm (24 will refund the consumer's money ifNFR does not stop foreclosure. )Tj EMC /P <>BDC /T1_0 1 Tf 10.39 0 0 10.39 42 167.04 Tm (25 19. After consumers have paid NFR for foreclosure-relief services, NF\ R\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.38 0 0 13.38 42 145.2 Tm (26 often does not return consumers' telephone calls or provide updates c\ oncerning the )Tj EMC /P <>BDC /T1_0 1 Tf 5 0 0 5 42 123.12 Tm (27 status of \001)Tj EMC /P <>BDC /T1_2 1 Tf 13.27 0 0 13.27 115.44 123.12 Tm (its communications with the consumer's lender. In other instances, when \ )Tj EMC /Artifact <>BDC 8.64 0 0 8.64 292.08 75.36 Tm (5 )Tj EMC /Artifact <>BDC 12.48 0 0 12.48 42 101.04 Tm (28 )Tj EMC ET endstream endobj 1236 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /P <>BDC /T1_0 1 Tf 3 Tr 7.2 0 0 7.2 50.16 695.76 Tm (1 )Tj EMC /P <>BDC 11.52 0 0 11.52 48.72 673.68 Tm (2 )Tj 10.08 0 0 10.08 48.96 651.6 Tm (3 )Tj 11.52 0 0 11.52 48.72 629.52 Tm (4 )Tj 9.6 0 0 9.6 49.2 607.68 Tm (5 )Tj 11.04 0 0 11.04 48.96 585.6 Tm (6 )Tj 11.52 0 0 11.52 48.96 563.52 Tm (7 )Tj 10.56 0 0 10.56 49.2 541.44 Tm (8 )Tj 11.52 0 0 11.52 48.96 519.6 Tm (9 )Tj 11.04 0 0 11.04 43.44 497.52 Tm (10 )Tj 10.32 0 0 10.32 43.44 475.44 Tm (11 )Tj 11.04 0 0 11.04 43.44 453.36 Tm (12 )Tj 10.56 0 0 10.56 43.44 431.52 Tm (13 )Tj 11.04 0 0 11.04 43.44 409.44 Tm (14 )Tj EMC /P <>BDC 29.48 0 0 29.48 43.44 387.36 Tm (15 12.\001 )Tj EMC /P <>BDC 11.04 0 0 11.04 43.44 365.28 Tm (16 )Tj 11.28 0 0 11.28 43.44 343.44 Tm (17 )Tj 11.04 0 0 11.04 43.44 321.36 Tm (18 )Tj 11.28 0 0 11.28 43.44 299.28 Tm (19 )Tj 12.48 0 0 12.48 42 277.2 Tm (20 )Tj 11.76 0 0 11.76 42 255.12 Tm (21 )Tj 12.48 0 0 12.48 42 233.28 Tm (22 )Tj 12 0 0 12 42 211.2 Tm (23 )Tj EMC /P <>BDC 30.05 0 0 30.05 42 189.12 Tm (24 13.\001 )Tj EMC /P <>BDC 14.8 0 0 14.8 42 167.04 Tm (25 postcard: )Tj 12.48 0 0 12.48 42 145.2 Tm (26 )Tj 12.73 0 0 12.73 42 123.12 Tm (27 )Tj 12.48 0 0 12.48 42 101.04 Tm (28 )Tj EMC /P <>BDC 13.29 0 0 13.29 135.6 695.52 Tm (bring their loan current. Using the Fresh Start Program, you will )Tj 13.11 0 0 13.11 135.6 673.44 Tm (be able to resume your mortgage payment, plus a small "catch-up" )Tj 13.36 0 0 13.36 135.6 651.36 Tm (payment. A filing fee is charged by National Foreclosure Relief )Tj EMC /P <>BDC /T1_1 1 Tf 12.06 0 0 12.06 135.6 629.28 Tm (to package your paperwork and submit it for the Fresh Star )Tj EMC /P <>BDC /T1_0 1 Tf 12.8 0 0 12.8 135.84 607.68 Tm (Program. )Tj EMC /P <>BDC /T1_1 1 Tf 12.1 0 0 12.1 135.84 563.52 Tm (To possibly stop your foreclosure using the "Fresh Star )Tj 11.9 0 0 11.9 135.84 541.44 Tm (Program", please call us immediately at 1-866-389-4283. )Tj EMC /P <>BDC /T1_0 1 Tf 13.64 0 0 13.64 135.84 519.6 Tm (You can take advantage of the "Fresh Start Proeram" right now )Tj 13.15 0 0 13.15 136.08 497.28 Tm (and possibly prevent this from happening by calling National )Tj 13.42 0 0 13.42 135.84 475.44 Tm (Foreclosure Relief There is not much time remaining so you )Tj EMC /P <>BDC /T1_1 1 Tf 12.14 0 0 12.14 135.6 453.36 Tm (must take action now to possibly save your home. Weare not )Tj EMC /P <>BDC /T1_0 1 Tf 13.35 0 0 13.35 135.36 431.28 Tm (your lender or your lender's agent. We work on your behalfwith\001 )Tj 13.02 0 0 13.02 135.36 409.2 Tm (your lender.\001 )Tj 13.23 0 0 13.23 136.08 387.12 Tm (One version ofNFR's postcard reads in relevant part as follows:\001 )Tj 13.28 0 0 13.28 135.84 365.04 Tm (It is required that you are notified of these options. We have\001 )Tj 13.23 0 0 13.23 136.08 343.2 Tm (attempted to contact you without success. Please contact us soon.\001 )Tj 13.27 0 0 13.27 135.84 321.36 Tm (Your time to enter a repayment plan is running out. Rights may\001 )Tj 12.74 0 0 12.74 135.84 299.28 Tm (include:\001 )Tj EMC /LI_Label <>BDC /T1_2 1 Tf 10.76 0 0 10.76 137.28 277.2 Tm (1.)Tj EMC /LI_Title <>BDC ( a repayment plan\001 )Tj EMC /LI_Label <>BDC 9.28 0 0 9.28 135.84 255.12 Tm (2.)Tj EMC /LI_Title <>BDC ( putting your past due payments into the balance of the loan\001 )Tj EMC /LI_Label <>BDC 9.4 0 0 9.4 136.08 233.28 Tm (3.)Tj EMC /LI_Title <>BDC ( paying your past due payments at the end of your loan.\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.95 0 0 12.95 137.28 211.2 Tm (100% GUARANTEE )Tj 13.16 0 0 13.16 135.6 188.88 Tm (NFR includes the following statements in another version of its )Tj EMC /P <>BDC 13.28 0 0 13.28 135.84 144.96 Tm (Weare happy to inform you that you have been pre-approved to )Tj 13.13 0 0 13.13 135.6 123.12 Tm (have your current mortgage, including your past due payments, )Tj EMC /Artifact <>BDC 10.08 0 0 10.08 291.84 75.36 Tm (4\001 )Tj EMC ET endstream endobj 1237 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /P <>BDC /T1_0 1 Tf 3 Tr 12.14 0 0 12.14 50.16 695.76 Tm (1 Stone has formulated, directed, controlled, or participated in the act\ s and practices of )Tj EMC /P <>BDC /T1_1 1 Tf 13.47 0 0 13.47 48.72 673.68 Tm (2 NFR, including the acts and practices set forth in this complaint. )Tj EMC /LI_Title <>BDC /T1_2 1 Tf 10.57 0 0 10.57 48.96 651.6 Tm (3 8. Defendant Hugo Tapia has been a director ofNFR since at least May 3\ 0,\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.48 0 0 13.48 48.72 629.52 Tm (4 2007. Tapia has been NFR's corporate treasurer since June 30, 2006, an\ d its )Tj EMC /P <>BDC /T1_0 1 Tf 12.47 0 0 12.47 49.2 607.68 Tm (5 corporate secretar since November 26,2007. Tapia is also a shareholder\ ofNFR. )Tj EMC /P <>BDC /T1_1 1 Tf 13.42 0 0 13.42 48.96 585.6 Tm (6 At all times material to this complaint, acting alone or in concert wi\ th others, Tapia )Tj EMC /P <>BDC /T1_0 1 Tf 12.26 0 0 12.26 48.96 563.52 Tm (7 has formulated, directed, controlled, or participated in the acts and \ practices ofNFR, )Tj EMC /P <>BDC /T1_1 1 Tf 13.49 0 0 13.49 49.2 541.44 Tm (8 including the acts and practices set forth in this complaint.)Tj EMC /P <>BDC /T1_2 1 Tf 47.6 0 0 47.6 48.96 519.6 Tm (9 COMMERCE\001 )Tj EMC /LI_Title <>BDC 10.21 0 0 10.21 43.44 497.52 Tm (10 9. At all times relevant to this complaint, Defendants have maintaine\ d a\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.19 0 0 12.19 43.44 475.44 Tm (11 substantial course of trade in or affecting commerce, as "commerce" i\ s defined in )Tj EMC /P <>BDC /T1_2 1 Tf 5 0 0 5 43.44 453.36 Tm (12 Section 4 of \001)Tj EMC /P <>BDC /T1_1 1 Tf 13.05 0 0 13.05 134.64 453.12 Tm (the FTC Act, 15 U.S.C. \247 44. )Tj EMC /P <>BDC /T1_2 1 Tf 18.7 0 0 18.7 43.44 431.52 Tm (13 DEFENDANTS' BUSINESS PRACTICES\001 )Tj EMC /P <>BDC 10.24 0 0 10.24 43.44 409.44 Tm (14 10. Since at least 2006, NFR has engaged in a course of conduct to\001\ )Tj EMC /P <>BDC /T1_1 1 Tf 13.39 0 0 13.39 43.44 387.36 Tm (15 advertise, market, offer to sell, and sell to consumers mortgage fore\ closure rescue )Tj 13.47 0 0 13.47 43.44 365.28 Tm (16 services. NFR targets consumers who are in arrears on their home mort\ gages and are )Tj EMC /P <>BDC /T1_0 1 Tf 12.49 0 0 12.49 43.44 343.44 Tm (17 facing foreclosure. NFR typically makes its initial contact with cons\ umers by )Tj EMC /P <>BDC /T1_1 1 Tf 13.34 0 0 13.34 43.44 321.36 Tm (18 sending them a postcard or flyer in the U.S. maiL. NFR sends these ad\ vertisements to )Tj EMC /P <>BDC /T1_2 1 Tf 9.85 0 0 9.85 43.44 299.28 Tm (19 consumers throughout the countr.\001 )Tj EMC /P <>BDC 10.21 0 0 10.21 42 277.2 Tm (20 11. One flyer that NFR has sent to consumers states the following:\001\ )Tj EMC /P <>BDC /T1_0 1 Tf 15.56 0 0 15.56 42 255.12 Tm (21 We understand things can happen beyond your control that )Tj EMC /P <>BDC /T1_2 1 Tf 12.05 0 0 12.05 42 233.28 Tm (22 may cause you to get behind in payments. You can now take\001 )Tj EMC /P <>BDC /T1_1 1 Tf 16.85 0 0 16.85 42 211.2 Tm (23 advantage of a special program specifically designed to assist )Tj EMC /P <>BDC /T1_0 1 Tf 19.03 0 0 19.03 42 189.12 Tm (24 you during these times. )Tj EMC /P <>BDC /T1_2 1 Tf 22.18 0 0 22.18 42 167.04 Tm (25 WE GUARANTEE OUR PROGRAM\001 )Tj EMC /P <>BDC /T1_0 1 Tf 15.18 0 0 15.18 42 145.2 Tm (26 The "Fresh Start Proeram" should allow us to help you stop )Tj 15.1 0 0 15.1 42 123.12 Tm (27 your current foreclosure by rewriting your existing loan. This )Tj 14.61 0 0 14.61 42 101.04 Tm (28 program is for borrowers who are in foreclosure and not able to )Tj EMC /Artifact <>BDC /T1_1 1 Tf 8.64 0 0 8.64 292.08 75.36 Tm (3 )Tj EMC ET endstream endobj 1238 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /P <>BDC /T1_0 1 Tf 3 Tr 12.26 0 0 12.26 50.16 695.76 Tm (1 disgorgement of ill-gotten monies, and other equitable relief for Defe\ ndants' acts or )Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 48.72 673.68 Tm (2 practices in violation of )Tj 29.52 -0.048 Td (Section 5\(a\) of \001)Tj EMC /P <>BDC /T1_2 1 Tf 13.31 0 0 13.31 277.2 673.44 Tm (the FTC Act, 15 U.S.c. \247 45\(a\). )Tj EMC /P <>BDC /T1_1 1 Tf 23.15 0 0 23.15 48.96 651.6 Tm (3 JURISDICTION AND VENUE\001 )Tj EMC /LI_Title <>BDC 10.12 0 0 10.12 48.72 629.52 Tm (4 2. This Court has subject matter jurisdiction pursuant to 28 U.S.c. \247\ \247 1331,\001 )Tj EMC /P <>BDC 9.3 0 0 9.3 49.2 607.68 Tm (5 1337\(a\), and 1345, and 15 U.S.c. \247\247 45\(a\) and 53\(b\).\001 )Tj EMC /LI_Title <>BDC 10.08 0 0 10.08 48.96 585.6 Tm (6 3. Venue is proper in this District under 28 U.S.c. \247 1391\(b\) and\ \(c\), and\001 )Tj EMC /P <>BDC 9.62 0 0 9.62 48.96 563.52 Tm (7 15 U.S.C. \247 53\(b\).\001)Tj EMC /P <>BDC 42.51 0 0 42.51 49.2 541.44 Tm (8 PLAINTIFF\001 )Tj EMC /LI_Title <>BDC 5 0 0 5 48.96 519.6 Tm (9 4. Plaintiff )Tj 26.688 0 Td (FTC is an independent agency of \001)Tj EMC /P <>BDC /T1_2 1 Tf 14.08 0 0 14.08 359.76 519.36 Tm (the United States Governent )Tj EMC /P <>BDC /T1_0 1 Tf 12.53 0 0 12.53 43.44 497.52 Tm (10 created by statute. 15 U.S.c. \247\247 41-58. The FTC is charged, int\ er alia, with )Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 43.44 475.44 Tm (11 enforcement of )Tj 21.648 -0.048 Td (Section 5\(a\) of \001)Tj EMC /P <>BDC /T1_2 1 Tf 13.15 0 0 13.15 232.56 475.2 Tm (the FTC Act, 15 U.S.C. \247 45\(a\), which prohibits )Tj 13.48 0 0 13.48 43.44 453.36 Tm (12 unfair or deceptive acts or practices in or affecting commerce. The F\ TC is authorized )Tj 13.39 0 0 13.39 43.44 431.52 Tm (13 to initiate federal district court proceedings, by its own attorneys,\ to enjoin violations )Tj 13.36 0 0 13.36 43.44 409.44 Tm (14 of the FTC Act and to secure such equitable relief as may be appropri\ ate in each case, )Tj EMC /P <>BDC /T1_0 1 Tf 12.46 0 0 12.46 43.44 387.36 Tm (15 including restitution and disgorgement. 15 U.S.C. \247 53\(b\).)Tj EMC /P <>BDC /T1_1 1 Tf 37.82 0 0 37.82 43.44 365.28 Tm (16 DEFENDANTS\001 )Tj EMC /LI_Title <>BDC 10.56 0 0 10.56 43.44 343.44 Tm (17 5. Defendant National Foreclosure Relief, Inc. \("NFR"\) is a Nevada\001\ )Tj EMC /P <>BDC 5 0 0 5 43.44 321.36 Tm (18 corporation that has its principal place of \001)Tj EMC /P <>BDC /T1_0 1 Tf 11.69 0 0 11.69 286.8 321.12 Tm (business at 1505 E. 17th St. in Santa Ana, )Tj EMC /P <>BDC /T1_2 1 Tf 13.6 0 0 13.6 43.44 299.28 Tm (19 California. NFR has been in business since at least 2006. NFR transac\ ts or has )Tj EMC /P <>BDC /T1_0 1 Tf 12.35 0 0 12.35 42 277.2 Tm (20 transacted business in the Central District of California. )Tj EMC /LI_Title <>BDC /T1_1 1 Tf 10.5 0 0 10.5 42 255.12 Tm (21 6. Defendant David Ealy has been the president ofNFR since its incept\ ion\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.62 0 0 13.62 42 233.28 Tm (22 and is also a director and shareholder ofNFR. Ealy resides or has tra\ nsacted business )Tj 13.51 0 0 13.51 42 211.2 Tm (23 in this District. At all times material to this complaint, acting alo\ ne or in concert with )Tj EMC /P <>BDC /T1_0 1 Tf 12.19 0 0 12.19 42 189.12 Tm (24 others, Ealy has formulated, directed, controlled, or participated in\ the acts and )Tj EMC /P <>BDC /T1_2 1 Tf 13.53 0 0 13.53 42 167.04 Tm (25 practices ofNFR, including the acts and practices set forth in this c\ omplaint. )Tj EMC /LI_Title <>BDC /T1_1 1 Tf 10.84 0 0 10.84 42 145.2 Tm (26 7. Defendant Chele Stone, a/k/a Chele Medina, was a director ofNFR\001\ )Tj EMC /P <>BDC /T1_0 1 Tf 12.29 0 0 12.29 42 123.12 Tm (27 between approximately May 2006 and May 2007. Stone is also a sharehol\ der of )Tj EMC /P <>BDC /T1_2 1 Tf 13.5 0 0 13.5 42 101.04 Tm (28 NFR. At all times material to this complaint, acting alone or in conc\ ert with others, )Tj EMC /P <>BDC 10.08 0 0 10.08 291.84 75.36 Tm (2\001 )Tj EMC ET endstream endobj 1239 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /P <>BDC /T1_0 1 Tf 3 Tr 5 0 0 5 2.88 754.56 Tm (. )Tj EMC /P <>BDC 0.048 -4.656 Td (~ )Tj EMC /P <>BDC -0.336 -0.672 Td ('~ )Tj EMC /P <>BDC 6.24 0 0 6.24 47.04 693.12 Tm (1 )Tj EMC /P <>BDC 12.9 0 0 12.9 64.56 692.64 Tm (DAVID C. SHONKA )Tj EMC /P <>BDC 12.92 0 0 12.92 64.32 682.08 Tm (Acting General Counsel\001 )Tj 11.04 0 0 11.04 45.84 671.52 Tm (2\001 )Tj 13.36 0 0 13.36 64.56 660.48 Tm (JOHN D. JACOB~ CaI. BarNo. 134154\001 )Tj EMC /StyleSpan <>BDC 11.23 0 0 11.23 422.64 657.12 Tm (tl )Tj EMC /P <>BDC 7.2 0 0 7.2 458.16 655.68 Tm (\(1)Tj EMC /P <>BDC 9.6 0 0 9.6 46.32 649.92 Tm (3 )Tj 13.99 0 0 13.99 64.56 649.92 Tm (BARAR Y.K. L.HUN CaL. BarNo. 186907 )Tj 8.1 0 0 8.1 423.12 651.6 Tm ("' )Tj 16.14 0 0 16.14 450.72 649.44 Tm (or )Tj 21.58 0 0 21.58 477.6 650.64 Tm (,.)Tj EMC /P <>BDC 9.84 0 0 9.84 450.72 643.92 Tm (\241il" )Tj EMC /StyleSpan <>BDC 11.6 0 0 11.6 477.84 646.08 Tm (c:\255)Tj EMC /LI_Label <>BDC 14.3 0 0 14.3 478.32 641.52 Tm (c:)Tj EMC /P <>BDC 13.44 0 0 13.44 64.56 638.88 Tm (MARICELA SEGURA tal Bar No. 225999)Tj 8.57 0 0 8.57 450.96 639.84 Tm (~~~ )Tj EMC /StyleSpan <>BDC 19.07 0 0 19.07 478.32 636.72 Tm (~ )Tj EMC /P <>BDC 5.83 0 0 5.83 451.44 633.36 Tm (_~J'C)Tj EMC /P <>BDC 12 0 0 12 45.84 628.08 Tm (4 )Tj 13.38 0 0 13.38 64.56 628.08 Tm (FAYE CHEN BARNO\331W, CaI. 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