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"_}nm-,W]L/u]L,~$**"*"*"*"**"**"*"KUujwM Zuiiiiiiʾ׶a(`S PkBب`%__V^` 1TmRv&LN8JSKA 4 `5PbT0A! 10 m5M 1 `f (!DD0J a0L& a0L& a0L eZ_-A_?  endstream endobj 12 0 obj << /Length 5109 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im13 Do Q Q q BT 3 Tr /F14 6.24 Tf 49.92 695.76 TD (1) Tj /F14 10.56 Tf -1.20 -22.08 TD (2) Tj /F14 9.12 Tf 0.24 -22.32 TD (3) Tj /F14 12.27 Tf 18.96 -10.80 TD (i.) Tj /F14 11.04 Tf -19.20 -11.04 TD (4) Tj /F14 9.60 Tf 0.24 -22.08 TD (5) Tj /F14 10.56 Tf 0.00 -22.08 TD (6) Tj /F14 11.79 Tf 18.96 -10.80 TD (II.) Tj /F14 10.08 Tf -18.96 -11.28 TD (7) Tj /F14 12.10 Tf 18.96 -10.56 TD (III.) Tj /F14 9.60 Tf -18.72 -11.52 TD (8) Tj /F14 12.14 Tf 18.72 -10.56 TD (IV.) Tj /F14 10.08 Tf -18.96 -11.28 TD (9) Tj /F14 10.80 Tf -5.52 -21.84 TD (10) Tj /F14 9.60 Tf 0.00 -22.08 TD (11) Tj /F14 10.56 Tf 0.00 -22.08 TD (12) Tj /F14 10.08 Tf 0.00 -22.08 TD (13) Tj /F14 10.80 Tf 0.00 -21.84 TD (14) Tj /F14 10.32 Tf 0.00 -22.08 TD (15) Tj /F14 10.80 Tf 0.00 -22.08 TD (16) Tj /F14 10.56 Tf 0.00 -21.84 TD (17) Tj 0.00 -22.08 TD (18) Tj 0.00 -22.08 TD (19) Tj /F14 12.00 Tf -1.20 -22.08 TD (20) Tj /F14 10.80 Tf 0.00 -22.08 TD (21) Tj /F14 12.10 Tf 25.44 -11.04 TD (V.) Tj /F14 11.76 Tf -25.44 -10.80 TD (22) Tj /F14 11.28 Tf 0.00 -22.08 TD (23) Tj /F14 12.00 Tf 0.00 -22.08 TD (24) Tj /F14 11.52 Tf 0.00 -22.08 TD (25) Tj /F14 12.00 Tf 0.00 -21.84 TD (26) Tj /F14 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F14 12.96 Tf 184.32 594.72 TD (TABLE OF CONTENTS) Tj /F14 13.26 Tf -158.64 -33.12 TD (INTRODUCTION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 1) Tj /F14 13.39 Tf 34.32 -21.84 TD (THE PARTIES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2) Tj /F14 13.96 Tf -.48 -22.08 TD (A. Plaintiff. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2) Tj /F14 13.97 Tf 0.24 -22.08 TD (B. Defendants.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2) Tj /F14 13.35 Tf 0.00 -22.32 TD (JURISDICTION AND VENUE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 5) Tj /F15 12.69 Tf 0.00 -21.60 TD (BACKGROUND ON THE MORTGAGE FORECLOSURE CRISIS.. . . . .. 5) Tj /F15 12.55 Tf 0.00 -22.08 TD (DEFENDANTS' DECEPTIVE PRACTICES. . . . . . . . . . . . . . . . . . . . . . . .. 6) Tj /F16 9.93 Tf -.24 -22.08 TD (A. Defendants Misrepresent that They Wil Obtain a Loan) Tj /F14 13.34 Tf 34.08 -11.04 TD (Modification or Stop Foreclosure in All or Virtually All Instances. . .. 8) Tj /F15 12.82 Tf 1.20 -22.08 TD (1. Defendants Falsely Claim a High Probability of Success.. . . . .. 8) Tj /F16 9.84 Tf -1.20 -22.08 TD (2. Defendants Deceptively Promise Attractive Lender) Tj /F14 13.37 Tf 34.08 -11.04 TD (Concessions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 10) Tj /F16 9.75 Tf -33.84 -22.08 TD (3. Defendants Falsely Claim that Consumers' Modifications) Tj /F16 10.54 Tf 33.60 -10.80 TD (Have Been "Approved". .............................. 12) Tj /F16 9.85 Tf -33.84 -22.08 TD (4. Defendants Make Various Other Misrepresentations to) Tj /F14 13.38 Tf 33.84 -11.04 TD (Entice Consumers to Pay an Up-Front Fee.. . . . . . . . . . . . . . .. 13) Tj /F16 9.40 Tf -33.60 -22.08 TD (5. After Collecting the Fee, Defendants Become Difficult to) Tj /F14 13.02 Tf 33.60 -10.80 TD (Reach and Often Fail to Obtain Promised Loan) Tj /F15 12.27 Tf 0.00 -11.04 TD (Modifications. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 18) Tj /F16 9.85 Tf -67.68 -22.08 TD (B. Defendants Falsely Promise Refunds if They Do Not Obtain) Tj /F15 12.15 Tf 33.84 -11.04 TD (Loan Modifications. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 19) Tj /F16 9.88 Tf -33.60 -22.32 TD (C. Defendants Mislead Consumers Into Believing That Defendants) Tj /F15 12.09 Tf 33.36 -10.56 TD (Are Consumers' Lender or Servicer. . . . . . . . . . . . . . . . . . . . . . . . . .. 21) Tj /F14 13.31 Tf -33.60 -22.08 TD (LEGAL ANALYSIS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 26) Tj /F14 13.93 Tf -.24 -22.08 TD (A. The Court is Authorized to Grant the Requested Relief. . . . . . . . . . .. 26) Tj /F14 13.78 Tf 0.24 -22.08 TD (B. The FTC Has Met the Standard for Issuance of a Temporary) Tj /F15 12.11 Tf 33.84 -11.04 TD (Restraining Order. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 28) Tj /F15 12.94 Tf 1.20 -22.08 TD (1. The FTC is Likely to Succeed on the Merits. . . . . . . . . . . . . .. 29) Tj /F16 9.91 Tf 32.88 -21.84 TD (a. Defendants Falsely Promise to Obtain Loan) Tj /F15 12.29 Tf 33.60 -11.04 TD (Modifications. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 30) Tj /F16 9.58 Tf -34.08 -22.32 TD (b. 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Tj /F21 13.05 Tf 33.60 0.24 TD (Injunctive Relief Prohibiting Future Misrepresentations and) Tj /F22 12.13 Tf 0.24 -11.28 TD (Collection of Advance Fees is Warranted.. . . . . . . . . . . . . . . . . . . . .. 40) Tj /F21 11.60 Tf -34.08 -21.84 TD (D.) Tj /F21 13.04 Tf 33.60 0.00 TD (An Asset Preservation Order is Necessary to Preserve the) Tj /F22 12.40 Tf 0.24 -11.04 TD (Possibility of Final Effective Relief. . . . . . . . . . . . . . . . . . . . . . . . . .. 44) Tj /F22 12.15 Tf 0.00 -22.08 TD (Limited Expedited Discovery is Necessary.. . . . . . . . . . . . . . . . . . . .. 48) Tj /F23 10.83 Tf -92.40 -21.84 TD (13 Conclusion......................................................... 50) Tj /F21 11.43 Tf 58.56 21.84 TD (E.) 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ZX뮺пK a_m$L__Ĉ>__>Z]~UDUZ]C/}KS묲Kr _]j_^4_}"IIovմikuݮ^jf_Wҵ[zAԞoKoH oJ-&*VP ߓļUDTE\TEDTE\TEDUDTEEЪI-m.IoVնOIWMo=4)SM4M4M4M4CKivl0il0 %a]l0a3Jҵ+J]Wm. $DH IDdHZtl0w!hB ӻI=6Zl$K؅ү2\ ؄,16!1 N3 A&tBbT<0A#x aZAAAU|pa0B$a@0ab"%@Vʲa !a;00a0L& a0L&C,qDG/Om&M% /)m&KeI@A4(`hA:o/7_uAV+5$I[TWD5WVna/+0MO(OwUDT2G(PAA a endstream endobj 26 0 obj << /Length 4248 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im27 Do Q Q q BT 3 Tr /F28 24.13 Tf 49.92 695.76 TD (1 TABLE OF AUTHORITIES) Tj /F28 62.80 Tf -1.20 -22.08 TD (2 CASES) Tj /F29 11.94 Tf 18.48 -11.04 TD (Am. Home Prods. Corp. v. FTC,) Tj /F29 12.86 Tf -18.24 -11.28 TD (3 695 F.2 d 68 1 \(3 d C ir. 1 982\). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 32, 34) Tj /F28 9.22 Tf -.24 -21.84 TD (4 Art Natl Mfrs. Distrib. Co. v. FTC,) Tj /F30 5.00 Tf 53.28 -10.80 TD (298 ) Tj 22.80 0.00 TD (F.2d476 ) Tj /F28 10.76 Tf 50.16 -2.64 TD (\(2dCir. 1962\)......................................35) Tj /F30 9.60 Tf -126.00 -8.64 TD (5) Tj /F29 12.12 Tf 18.48 -10.80 TD (Beneficial Corp. v. FTC,) Tj /F29 12.85 Tf -18.48 -11.28 TD (6 542 F.2 d 61 1 \(3 d C ir. 1 976\). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 32) Tj /F29 12.51 Tf 0.00 -22.08 TD (7 CFTC v. Am. Metals Exch. Corp.,) Tj /F29 12.14 Tf 53.28 -10.80 TD (991 F.2d 71 \(3d Cir. 1993\). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 44) Tj /F30 9.60 Tf -53.04 -11.28 TD (8) Tj /F30 12.79 Tf 19.20 -10.80 TD (CFTC v. British Am. Commodity Options Corp.,) Tj /F29 13.37 Tf -19.44 -11.04 TD (9 560 F.2d 135 \(2d. Cir. 1977\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 40) Tj /F29 12.48 Tf -5.52 -21.84 TD (10 Delaware Watch Co. v. FTC,) Tj /F29 12.12 Tf 58.80 -11.28 TD (332 F.2d 745 \(2d Cir. 1964\). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 35) Tj /F30 9.60 Tf -58.80 -10.80 TD (11) Tj /F30 13.17 Tf 24.00 -11.04 TD (Fed. Express Corp. v. Fed. Espresso, Inc.,) Tj /F29 13.69 Tf -24.00 -11.04 TD (12 No. 97CV1219RSPGJD, 1997 WL 736530 \(N.D.N.Y. Nov. 24,1997\).. . .. 48) Tj /F29 13.01 Tf 0.00 -21.84 TD (13 FSLIC v. Dixon,) Tj /F29 12.12 Tf 59.04 -11.28 TD (835 F.2d 554 \(5th Cir. 1987\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 48) Tj /F30 10.80 Tf -59.04 -10.80 TD (14) Tj /F30 12.77 Tf 24.00 -11.04 TD (FSLIC v. Sahni,) Tj /F29 13.30 Tf -24.00 -11.04 TD (15 868 F.2d 1096 \(9th Cir. 1989\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 45) Tj /F29 12.98 Tf 0.00 -22.08 TD (16 FTC v. Arlington Press,) Tj /F29 12.07 Tf 58.08 -11.04 TD (No. 980CV9260, 1999 WL 33562452 \(C.D. CaL. Jan. 18, 1999\). . . . . . . . .. 28) Tj /F30 10.56 Tf -58.08 -10.80 TD (17) Tj /F29 12.07 Tf 24.00 -11.04 TD (FTC v. Affordable Media,) Tj /F29 13.12 Tf -24.00 -11.04 TD (18 179 F.3d 1228 \(9th Cir. 1999\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40) Tj /F30 13.38 Tf 0.00 -22.08 TD (19 FTC v. Am. Standard Credit Sys., Inc.,) Tj /F30 13.18 Tf 59.04 -11.28 TD (874 F. Supp. 1080 \(C.D. CaL. 1994\). . . . . . . . . . . . . . . . . . . . . . . . . . . .. 37-38) Tj /F30 12.00 Tf -60.24 -10.80 TD (20) Tj /F30 12.69 Tf 25.20 -10.80 TD (FTC v. Amy Travel Serv., Inc.,) Tj /F29 13.77 Tf -25.20 -11.28 TD (21 875 F.2d 564 \(7th Cir. 1989\).. . . . . . . . . . . . . . . . . . . . . . . .. 30,37,38,41,46) Tj /F28 5.00 Tf 0.00 -21.84 TD (22 FTC v. Cyberspace. ) Tj /F30 12.33 Tf 130.32 -.24 TD (com, LLC,) Tj /F29 12.23 Tf -70.56 -10.80 TD (453 F.3d 1196 \(9th Cir. 2006\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 34,37) Tj /F30 11.28 Tf -59.76 -11.04 TD (23) Tj /F30 13.10 Tf 25.20 -11.04 TD (FTC v. Evans Prods. Co.,) Tj /F29 13.34 Tf -25.20 -11.04 TD (24 775 F.2d 1084 \(9th Cir. 1985\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 27) Tj /F29 12.90 Tf 0.00 -22.08 TD (25 FTC v. Figgie Int' l, Inc.,) Tj /F29 12.14 Tf 60.00 -11.04 TD (994 F.2d 595 \(9th Cir. 1993\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 34) Tj /F30 12.00 Tf -60.00 -10.80 TD (26) Tj /F30 13.18 Tf 25.20 -11.04 TD (FTC v. Fed. Loan Modifcation Law Ctr., LLP,) Tj /F29 13.55 Tf -25.20 -11.04 TD (27 No. SAC 09-401-CJC\(MLGx\) \(C.D CaL. 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(!^0f؂D@*a0L& a0L& a0L& a0L& a0L&qK_Kim/T/?2% H7M@O_;Kh/R+J[H *l% fiM> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im34 Do Q Q q BT 3 Tr /F35 10.56 Tf 48.72 673.68 TD (2) Tj /F35 13.28 Tf 1.20 22.08 TD (1 FTC v. Freecom Commc 'ns,) Tj /F36 12.17 Tf 52.08 -11.04 TD (401 F.3d 1192 \(lOth Cir. 2005\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 35) Tj /F35 12.96 Tf -34.56 -22.08 TD (FTC v. Gem Merch. Corp.,) Tj /F36 13.60 Tf -18.48 -11.28 TD (3 87 F.3d 466 \(lIth Cir. 1996\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 27) Tj /F36 14.50 Tf -.24 -21.84 TD (4 FTC v. Gil,) Tj /F36 12.14 Tf 53.28 -10.80 TD (265 F.3d 944\(9th Cir. 2001\). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 29) Tj /F35 9.60 Tf -53.04 -11.28 TD (5) Tj /F35 13.58 Tf 18.48 -10.80 TD (FTC v. Gil,) Tj /F36 13.19 Tf -18.48 -11.28 TD (6 183 F. Supp. 2d 1171 \(C.D. CaL. 2001\).. . . . . . . . . . . . . . . . . . . . . . . . .. 28, 48) Tj /F36 14.46 Tf 0.00 -22.08 TD (7 FTC v. Gil,) Tj /F36 11.97 Tf 53.28 -10.80 TD (71 F. Supp. 2d 1030 \(C.D. CaL. 1999\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 32) Tj /F35 9.60 Tf -53.04 -11.28 TD (8) Tj /F35 12.89 Tf 18.24 -10.56 TD (FTC v. H.N. Singer, Inc.,) Tj /F36 13.37 Tf -18.48 -11.28 TD (9 668 F.2d 1107 \(9th Cir. 1982\).. . . . . . . . . . . . . . . . . . . . . . . . . .. 27, 28, 41, 44) Tj /F35 13.68 Tf -5.52 -21.84 TD (10 FTC v. Intl Computing Concepts, Inc.,) Tj /F36 12.50 Tf 58.08 -11.28 TD (No. 5:94CV1678, 1994 WL 730144 \(N.D. Ohio Oct. 24,1994\). . . . . . . . .. 34) Tj /F35 9.60 Tf -58.08 -10.80 TD (11) Tj /F36 12.42 Tf 24.00 -11.04 TD (FTC v. J.K. Publns, Inc.,) Tj /F36 13.35 Tf -24.00 -11.04 TD (12 99 F. Supp. 2d 1176 \(C.D. CaL. 2000\).. . . . . . . . . . . . . . . . . . . . . . .. 35,37,38) Tj /F36 12.60 Tf 0.00 -22.08 TD (13 FTC v. Kennedy,) Tj /F36 12.06 Tf 58.80 -11.04 TD (574 F. Supp. 2d 714 \(S.D. Tex. 2008\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 36) Tj /F35 10.80 Tf -58.80 -10.80 TD (14) Tj /F37 5.00 Tf 24.00 -11.04 TD (FTC v. Kitco of ) Tj /F36 11.73 Tf 84.72 -.24 TD (Nevada, Inc.,) Tj /F36 13.28 Tf -108.72 -10.80 TD (15 612 F. Supp. 2d 1282 \(D. Minn. 1985\). . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 38) Tj /F35 13.79 Tf 0.00 -22.08 TD (16 FTC v. Natl Foreclosure Relief, Inc.,) Tj /F36 12.07 Tf 58.08 -11.04 TD (No. SACV09-1 17-DOC, 2009 WL 650401 \(C.D. CaL. Mar. 6,2009\). . . . . . . 45) Tj /F35 10.56 Tf -58.08 -10.80 TD (17) Tj /F35 13.51 Tf 24.00 -11.04 TD (FTC v. Natl Urological Group,) Tj /F36 13.31 Tf -24.00 -11.04 TD (18 No. 1:04-cv-3294-CAP, 2008 WL 2414317 \(N.D. Ga. June 4, 2008\). . . . . . .38) Tj /F36 12.76 Tf 0.00 -22.08 TD (19 FTC v. Neovi, Inc.,) Tj /F36 11.68 Tf 58.80 -11.28 TD (598 F. Supp. 2d 1104 \(S.D. CaL. 2008\). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35) Tj /F35 12.00 Tf -60.00 -10.80 TD (20) Tj /F35 13.27 Tf 25.20 -10.80 TD (FTC v. Pantron I Corp.,) Tj /F36 13.41 Tf -25.20 -11.28 TD (21 33 F.3d 1088 \(9th Cir. 1994\). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27,29,34) Tj /F36 12.69 Tf 0.00 -21.84 TD (22 FTC v. Productive Mktg., Inc.,) Tj /F36 11.82 Tf 60.96 -11.28 TD (136 F. Supp. 2d 1096 \(C.D. CaL. 2001\).. . . . . . . . . . . . . . . . . . . . . . . . . . . 45,48) Tj /F35 11.28 Tf -60.96 -10.80 TD (23) Tj /F36 12.05 Tf 25.20 -11.04 TD (FTC v. QT, Inc.,) Tj /F36 13.21 Tf -25.20 -11.04 TD (24 448 F. Supp. 2d 908 \(N.D. Il. 2006\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33) Tj /F35 13.80 Tf 0.00 -22.08 TD (25 FTC v. Sage Seminars,) Tj /F35 13.21 Tf 59.28 -11.04 TD (No. 95-2854,1995 WL 798938 \(N.D. CaL. Nov. 2,1995\). . . . . . . . . . . . . . . . 28) Tj /F35 12.00 Tf -59.28 -10.80 TD (26) Tj /F35 13.19 Tf 25.20 -11.04 TD (FTC v. Sec. Rare Coin & Bullon Corp.,) Tj /F36 12.26 Tf -25.20 -11.04 TD (27 93 1 F.2 d 13 12 \(8 th C ir. 1 99 1 \). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27) Tj /F35 11.76 Tf 0.00 -22.08 TD (28) Tj /F35 10.49 Tf 248.16 -25.68 TD (iv) Tj ET Q endstream endobj xref 1 2 0000148138 00000 n 0000148197 00000 n 31 7 0000148295 00000 n 0000148459 00000 n 0000182942 00000 n 0000148987 00000 n 0000148606 00000 n 0000148735 00000 n 0000148862 00000 n trailer << /Size 38 /Prev 147811 /Root 1 0 R >> startxref 187223 %%EOF % Page Description << /EndOffset 0000227230>> 1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [3 0 R 10 0 R 17 0 R 24 0 R 31 0 R 38 0 R ] /Count 6 >> endobj 38 0 obj << /Type /Page /Parent 2 0 R /Resources 39 0 R /Contents 40 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 614.40 792.00 ] >> endobj 39 0 obj << /XObject << /Im41 41 0 R>> /Font << /F42 42 0 R /F43 43 0 R /F44 44 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 42 0 obj << /Type /Font /Subtype /Type1 /Name /F42 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 43 0 obj << /Type /Font /Subtype /Type1 /Name /F43 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 44 0 obj << /Type /Font /Subtype /Type1 /Name /F44 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 41 0 obj << /Type /XObject /Subtype /Image /Name /Im41 /Width 2560 /Height 3300 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2560 /Rows 3300>> /Decode [0 1 ] /Length 33762 >> stream ֌ 74GiDhgzWy j z.WNp8  O t'jv. n\A-~ikUi5_G}REE/G_KNRlhtQH2*/?JK jhFa4L̂ 2 P](H&XH&FU [(L#s/ :0q`DŽJf ?'KZJ _֕%TV$~$%I%jVzzztIT־u֖*UBit?i*J*JKj{kkkT_H&^$T;|ZҤ*.פZZ׭*\Z^KץZ___Kiuai$ZI%y#irGҾK´0-ya:D#VtiRa.Ҵ<뤭#6UT-Wl%JKJ֭+JMpP◊M5☮)ilG `!UJU XM0j>" B $ 0XB", R3 hE ;"?A/)/3FBlt\dS2) 0 XHFR P$0BS q q,QHIpq…A^$M XPѭ[ 6a&E8T 4@dȃIIIS:' ¢pFƒ;nTIli6ȢAҠ꯷wfi6mu8^I6>u]KIUU:U_T_Hi-8Ok~>i]}z{ʒ)S} ka !~pੂX^ *aSҰH7o탣T\ ֘ڐbPv(=/J{ooo 7Wo꾡6 &\ꯪN aU _ k V;Uݿۤ7bPC%߆o/|7,~V~U_o}~^ ,X0긿^8Ax_IΪt^^/ꪻWuzOuIi>-KI$K<[􂶩wG[0ZI%$TE\TEDTE\TEDUDTEDUDTE\TEDUDTEDUDTE\TI74UiVtWF7i'I*iiiiiiidOI_WapvBi ] `$AQUiZZ8&!iZaAM!b$"8A4yV+  mV *A[ ` C D e1 ,! 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Southwest Sunsites, Inc.,) Tj /F43 13.12 Tf -18.48 -11.28 TD (3 665 F.2d 711 \(5th Cir. 1982\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27) Tj /F42 13.41 Tf -.24 -21.84 TD (4 FTC v. Standard Educ. Soc 'y,) Tj /F42 13.38 Tf 53.52 -11.04 TD (302 U.S. 112 \(l937\). .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34) Tj /F42 9.60 Tf -53.28 -11.04 TD (5) Tj /F42 12.71 Tf 18.48 -10.80 TD (FTC v. Think Achievement Corp.,) Tj /F43 12.42 Tf -18.48 -11.28 TD (6 3 12 F. 3 d 259 \(7 th C ir. 2002\). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 1) Tj /F43 12.42 Tf 0.00 -22.08 TD (7 FTC v. Think Achievement Corp.,) Tj /F42 13.09 Tf 54.24 -10.56 TD (144 F. Supp. 2d 993 \(N.D. Ind. 2000\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35) Tj /F42 9.60 Tf -54.00 -11.52 TD (8) Tj /F42 12.77 Tf 18.24 -10.56 TD (FTC v. 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IlL. 1992\). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .32) Tj /F43 12.40 Tf 0.00 -22.08 TD (16 FTC v. USA Bevs., Inc.,) Tj /F42 13.33 Tf 58.08 -11.04 TD (No. 61682,2005 WL 5654219 \(S.D. Fla. Dec. 5,2005\).. . . . . . . . . . . . . . . . . 45) Tj /F42 10.56 Tf -58.08 -10.80 TD (17) Tj /F43 11.76 Tf 24.00 -11.04 TD (FTC v. Warner Commc 'n,) Tj /F43 13.07 Tf -24.00 -11.04 TD (18 742 F.2d 1156 \(9th Cir. 1984\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40) Tj /F43 12.48 Tf 0.00 -22.08 TD (19 FTC v. World Travel Vacation Brokers, Inc.,) Tj /F42 13.14 Tf 59.04 -11.28 TD (861 F.2d 1020 \(7th Cir. 1988\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44, 46) Tj /F42 12.00 Tf -60.24 -10.80 TD (20) Tj /F42 12.94 Tf 25.20 -10.80 TD (FTC v. 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FTC,) Tj /F51 12.44 Tf -18.48 -11.28 TD (3 970 F.2 d 3 1 1 \(7 th C ir. 1 992\). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32) Tj /F51 12.99 Tf -.24 -21.84 TD (4 Reebok Intl, Ltd. v. McLaughlin,) Tj /F51 11.29 Tf 53.28 -10.80 TD (49 F. 3 d 1 387 \(9 th C ir. 1 995\). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47) Tj /F49 9.60 Tf -53.04 -11.28 TD (5) Tj /F49 13.34 Tf 18.48 -10.80 TD (Removatron Intl Corp. v. FTC,) Tj /F51 12.94 Tf -18.48 -11.28 TD (6 884 F .3d 1489 \(l st Cir. 1989\). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33) Tj /F51 12.67 Tf 0.00 -22.08 TD (7 SEC v. Bankers Allance Corp.,) Tj /F49 13.08 Tf 53.52 -10.80 TD (881 F. Supp. 673 \(D.D.C. 1995\). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47) Tj /F49 9.60 Tf -53.28 -11.28 TD (8) Tj /F51 11.88 Tf 18.48 -10.80 TD (SEC v. 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Corp.,) Tj /F51 12.97 Tf -25.44 -10.80 TD (15 73 F .3d 852 \(9th Cir. 1995\).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27) Tj /F50 9.69 Tf 0.00 -22.08 TD (16 United States v. Odessa Union Warehouse Co-op,) Tj /F49 13.03 Tf 59.04 -11.04 TD (833 F. 2d 172 \(9th Cir. 1987\) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28, 29) Tj /F49 10.56 Tf -59.04 -10.80 TD (17) Tj /F51 11.62 Tf 25.68 -11.28 TD (Waffenschmidt v. Mackay,) Tj /F51 12.32 Tf -25.68 -10.80 TD (1 8 763 F.2 d 7 1 1 \(5 th C ir. 1 985\). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47) Tj /F49 10.56 Tf 0.00 -22.08 TD (19) Tj /F49 12.77 Tf 218.64 -11.28 TD (STATUTES) Tj /F49 12.00 Tf -219.84 -10.80 TD (20) Tj /F49 13.17 Tf 26.88 -10.80 TD (15 U.S.C. 41. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2) Tj /F49 10.80 Tf -26.88 -11.28 TD (21) Tj /F49 13.16 Tf 26.88 -10.80 TD (15 U.S.c. 45. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1, 2, 22, 29) Tj /F49 11.76 Tf -26.88 -11.04 TD (22) Tj /F51 12.07 Tf 26.88 -11.04 TD (15 U.S.C. 53. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2,5,27) Tj /F49 11.28 Tf -26.88 -11.04 TD (23) Tj /F49 13.10 Tf 25.68 -11.04 TD (28 U.S.C. 1331. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5) Tj /F49 12.00 Tf -25.68 -11.04 TD (24) Tj /F49 13.20 Tf 25.68 -10.80 TD (28 U.S.C. 1337. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5) Tj /F49 11.52 Tf -25.68 -11.28 TD (25) Tj /F49 13.10 Tf 25.68 -10.80 TD (28 U.S.C. 1345. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5) Tj /F49 12.00 Tf -25.68 -11.04 TD (26) Tj /F49 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F49 13.12 Tf 25.68 33.12 TD (Fed. 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To) Tj /F63 12.03 Tf 0.24 -22.08 TD (5 obtain an advance fee, typically $2,500 to $5,500, Defendants deceptively tell these) Tj /F64 13.29 Tf 0.00 -22.08 TD (6 consumers that in all or virtually all cases, Defendants can lower consumers') Tj /F64 13.40 Tf 0.00 -22.08 TD (7 mortgage payments and save their homes from foreclosure. Defendants deceptively) Tj /F64 13.30 Tf 0.24 -22.08 TD (8 claim to be so certain of their ability to get results that, if consumers pay the fee but) Tj /F62 8.99 Tf -.24 -21.84 TD (9 do not receive a loan modification, the fee wil be refunded. Defendants also) Tj /F64 13.28 Tf -5.52 -21.84 TD (10 deceptively lead many consumers to believe that Defendants are actually a) Tj /F64 13.28 Tf 0.00 -22.08 TD (1 1 department of the consumers' lender or servicer, or are affiiated with, working with,) Tj /F64 13.27 Tf 0.00 -22.08 TD (12 or authorized by the consumers' lender or servicer, and that Defendants are making) Tj /F64 13.37 Tf 0.00 -21.84 TD (13 consumers a last-chance offer to save their homes.) Tj /F63 12.95 Tf 0.00 -22.08 TD (14 The effects of Defendants' deception are devastating for many consumers.) Tj /F63 12.15 Tf 0.00 -22.08 TD (15 Once Defendants collect their advance fee, they do little, if anything, to help) Tj /F63 12.18 Tf 0.00 -22.08 TD (16 consumers obtain a loan modification. They string consumers along, telling them) Tj /F64 13.31 Tf 0.00 -21.84 TD (17 that a modification is in the works and that consumers need not worry about) Tj /F64 13.36 Tf 0.00 -22.08 TD (18 foreclosure. Yet, Defendants fail to obtain loan modifications in numerous cases.) Tj /F64 13.29 Tf 0.00 -22.08 TD (19 Many consumers have gone into foreclosure while waiting for Defendants to deliver) Tj /F63 12.16 Tf -1.20 -22.08 TD (20 the promised results. Others have discovered that they could more effectively) Tj /F63 12.19 Tf 0.00 -22.08 TD (21 negotiate a loan modification or other workout on their own. When these consumers) Tj /F63 12.04 Tf 0.00 -21.84 TD (22 request refunds after realizing that Defendants have failed to deliver the services or) Tj /F63 12.10 Tf 0.00 -22.08 TD (23 produce the results they promised, Defendants routinely deny the requests. Adding) Tj /F64 13.33 Tf 0.00 -22.08 TD (24 insult to injury, after hiring Defendants, many consumers have lost not just their) Tj /F63 12.06 Tf 0.00 -22.08 TD (25 homes, but also the thousands of dollars in up-front fees they paid for Defendants') Tj /F64 14.17 Tf 0.00 -21.84 TD (26 false promises.) Tj /F62 5.00 Tf 0.00 -22.08 TD (27 Defendants' practices violate Section 5 of ) Tj /F64 13.01 Tf 281.52 0.00 TD (the 鶹ý Trade Commission Act) Tj /F64 13.62 Tf -281.52 -22.08 TD (28 \("FTC Act"\), 15 U.S.c. 45. 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DDfbI@xlaatdiPɶ3Xs"Q>(PݐA d0 )PN2R, hP6Ѱ=F0AhAXh>M ' &m@M&FA8t߆_T$MҠ8i6n᧯tkKE[[q:$:`H7?pim-/}?m_IwNxi{|ZtWW}~޶_"E:!Db%QfD""ʲ":#DB8)V֏,EQ^Jґ|")!D~Sp aLP Qu p y !CB@>lfb… !PCm-uA `AO@ xR1>)BAz!8 !Bi yCOSPPT.(*hTkal"ݣX~ EهUT0v a[TÄ[ k 8*jl6F0^AxT4j4xTh&Al*h =:Ӷ_I \*h ^jAl7uYPm*`!*~oA* X8:=t{zZM=I?Rm'Iv+듴TN4~ٛEEv3ha>kǰ(>??ozK\?O֢8c xbktik6M_oi6_B!뤭," oÇVoE`۩ ??&?AaO_Z^a_ +ajt___ onV_>koAWKK7 z}KIKd5 gEoa7ױIEYEtIu_I-ｏ_. uii6imO'<4O>k_D4_/_]-'kոK0m]}-oS ^3wA[ڴu} WVI ]z aZL0KX`v[W`V+bJ#8#8)m.aazWW]t U_{ # II[Jҵm&F+׆*jI5N[IaJ4l%l%U&iNSa(V)հa-6ҊbSbUG 0A8Dq#6b"SP0A B B A @&*5 m0 B B Bj@T0 ڠ _f`DA0B#DAa0A51NlI3a>"" B!; AC0!(!?㈈"""8UR_H$i%( )M j9'W_//H4/W#@ endstream endobj 67 0 obj << /Length 3401 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im68 Do Q Q q BT 3 Tr /F69 13.27 Tf 49.92 695.76 TD (1 preserve assets necessary for consumer redress, Plaintiff 鶹ý Trade Commission) Tj /F70 5.00 Tf -1.20 -22.08 TD (2 \("FTC"\) seeks, under Section 13\(b\) of ) Tj /F69 13.23 Tf 223.20 0.00 TD (the FTC Act, 15 U.S.c. 53\(b\), issuance of a) Tj /F69 13.33 Tf -222.96 -22.32 TD (3 temporary restraining order \("TRO"\) with an asset freeze and an order to show cause) Tj /F69 13.44 Tf -.24 -21.84 TD (4 why a preliminary injunction should not issue. The proposed TRO would enjoin) Tj /F69 13.42 Tf 0.24 -22.08 TD (5 Defendants' ilegal conduct and their collection of advance fees before performing) Tj /F70 9.10 Tf 0.00 -22.08 TD (6 the promised services, preserve assets and documents, and require Defendants) Tj /F69 13.41 Tf 0.00 -22.08 TD (7 promptly to report limited information about their business. This relief is necessary) Tj /F69 13.36 Tf 0.24 -22.08 TD (8 to prevent continued harm to consumers, dissipation of assets, and destruction of) Tj /F71 12.34 Tf -.24 -21.84 TD (9 evidence, thereby preserving the Court's ability to provide effective final relief to) Tj /F71 12.31 Tf -5.52 -21.84 TD (10 consumers injured by Defendants' ilegal practices.) Tj /F70 15.07 Tf 0.00 -22.08 TD (III. THE PARTIES) Tj /F71 23.58 Tf 0.00 -22.08 TD (12 A. Plaintiff) Tj /F69 14.32 Tf 0.00 -22.08 TD (13 The FTC is an independent agency of the United States government created by) Tj /F70 5.00 Tf 0.00 -21.84 TD (14 the FTC Act. 15 U.S.C. 41. The FTC enforces Section 5\(a\) of ) Tj /F69 12.85 Tf 367.20 0.00 TD (the FTC Act, 15) Tj /F71 12.29 Tf -367.20 -22.08 TD (15 U.S.c. 45\(a\), which prohibits unfair or deceptive acts or practices in or affecting) Tj /F70 5.00 Tf 0.00 -22.08 TD (16 commerce. Section 13\(b\) of ) Tj /F69 13.16 Tf 177.12 0.00 TD (the FTC Act, 15 U.S.c. 53\(b\), authorizes the FTC,) Tj /F71 12.20 Tf -177.12 -21.84 TD (17 through its own attorneys, to initiate federal district court proceedings to enjoin) Tj /F69 13.27 Tf 0.00 -22.08 TD (18 violations of the FTC Act and secure appropriate equitable relief, including rescission) Tj /F69 13.39 Tf 0.00 -22.08 TD (19 of contracts and restitution, the refund of monies paid, and the disgorgement of il-) Tj /F69 14.34 Tf -1.20 -22.08 TD (20 gotten gains.) Tj /F70 16.27 Tf 0.00 -22.08 TD (21 B. Defendants) Tj /F71 13.05 Tf 0.00 -21.84 TD (22 Defendants consist of a group of interconnected individuals and corporations,) Tj /F71 12.18 Tf 0.00 -22.08 TD (23 some of which were involved in marketing and brokering mortgage loans before) Tj /F71 12.16 Tf 0.00 -22.08 TD (24 beginning to market mortgage loan modification and foreclosure relief services.) Tj /F70 10.37 Tf 0.00 -22.08 TD (25 Defendant Synergy Financial Management Corporation, doing business under) Tj /F70 9.29 Tf 0.00 -21.84 TD (26 the fictitious business names Direct Lender and DirectLender.Com \("Synergy" or) Tj /F71 12.65 Tf 0.00 -22.08 TD (27 "Direct Lender"\), is a California corporation. PX 24 \(Redding\), Att. A, at 683. Its) Tj /F70 5.00 Tf 0.00 -22.08 TD (28 principal place of ) Tj /F69 13.04 Tf 120.24 -.24 TD (business is 8700 Warner Avenue, Suite 200, Fountain Valley,) Tj /F69 9.60 Tf 129.36 -25.44 TD (2) Tj ET Q endstream endobj xref 1 2 0000341280 00000 n 0000341339 00000 n 65 7 0000341475 00000 n 0000341639 00000 n 0000391958 00000 n 0000342167 00000 n 0000341786 00000 n 0000341915 00000 n 0000342040 00000 n trailer << /Size 72 /Prev 340953 /Root 1 0 R >> startxref 395425 %%EOF % Page Description << /EndOffset 0000455125>> 1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [3 0 R 10 0 R 17 0 R 24 0 R 31 0 R 38 0 R 45 0 R 52 0 R 58 0 R 65 0 R 72 0 R ] /Count 11 >> endobj 72 0 obj << /Type /Page /Parent 2 0 R /Resources 73 0 R /Contents 74 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 614.40 792.00 ] >> endobj 73 0 obj << /XObject << /Im75 75 0 R>> /Font << /F76 76 0 R /F77 77 0 R /F78 78 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 76 0 obj << /Type /Font /Subtype /Type1 /Name /F76 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 77 0 obj << /Type /Font /Subtype /Type1 /Name /F77 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 78 0 obj << /Type /Font /Subtype /Type1 /Name /F78 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 75 0 obj << /Type /XObject /Subtype /Image /Name /Im75 /Width 2560 /Height 3300 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2560 /Rows 3300>> /Decode [0 1 ] /Length 54233 >> stream ֌ 7d l)HQڛ(g򖉲"a-gʠ @Ad`(T!),c5L!“) 8jwg;,uB|"XIFѰ0 OF`H ͌e!b| @I=$ja UA jj`aMLN2XpI6äUtltuAzL ajj r MAdVʴtWI.ȭȻmڮ-& YklNλ-/__K,7ޫۧJoTmv^I}__Iq]Kwt㥷8Y~:X}=WU[jz]w]][ﶫAEDB%N1TSR8 Z?]^tKYZZ`DR1( fN S0gJ"e_OIt΂ &D<z%!04ALSL!DF* ou@U_F:ZO/_M ?PTk U$0l.5H7 FT2ZzAeF Պװl*i[i$ZF. \d _*'?A~ج }6)~kvԜ%6)/DzvWiRX:n+_ &kI5K߷mM}G 7W_BwT:<0o!?N_=ۈU_¥^kchԷ ?K/m{ /_JRMk (_/6!w|,,{ RV^oW_,zO4//IҿKBAAcI/jaAn7" t-k֞s?>>_/*}_/iz^uIzR7ۯKDCA.E=!CTuo__K]/^Po[]&J[UI',4yŜWUHzYھ!NvuלYzԝagI|uvOVuiRI}zvV=I'i[ޕ׶zzIڭ;HNP_gjIR XJ*M Viz _a+ j`$II~JiڱTKl%Ӷ)U1MJ+ vMKЄIv1Z*!1 M5m$ئ 8a@ڠA%AAi m5< mSLB S *A!nb@PX `i-i@ aAb"""!"""!Pda0L$6;ŝ" 3,ޡ (!Vw"a aDqDq\DhqDDꪒm*ꪻүI$I$I$I%   H R /?Iet2[;v422>WO vLB d@`A v, (((PAXh `BOIVG쑙%pDMaw , kh;bwR#5vjZ6 Z}_^/֝-,}]Wu5jF/}ײ!ir&t})N HDb"5#&tF"3DS) ^I##B,#h!K* hTK#Q_" _L8A^@ L SBu5z5"* @˜ A<3@.)񐲹 S| P@B` "!! 45,BB@8P@ Sz*!*"'".W[Pwࠪn.4kETk 0v "ݣXSPPPhT 5kxLQvSjAFWdBiX`d$l"섡n~ldB eaSH:6 ¦ ,i ]B=4auڤt¦oL*h 2il/H6CaQH6Y i6 }&׾'hW6fٛEFM4TWm'GhQ'h ?W4hK*+~z?JԛJ«F ,hMzj+^6mO_Ӯ)6++n6onn6[z+i~WZ Zzut<*~}^I_NC}_Wz}wK]Z/4 GC?ծ_~__ B/x: KE]u#0O2", cX }{|cߙr]// aAߣ/A~_A_uk  m/ۿuAnKIK ]{}_K:$u謆Y}tZ_K/솿-!% :.}_W߯u_/;C_ڤCOZki~O_1O>/K}n鿯n+_0 }qkkYk~ja_a}q{a-B[`I^a+`0K v{ mzUWW^}aW׷uujl0K0FqVbҴ]LU ka*Jb#8 1V 1}0FqWP]Cgi\0FqZZXKJKm+ TՊ)հa/B1Qv鶕T;iTT4ab;i;N݊I5MSMbU ^6AAU0a4L 00 1 FAM0 "806 :jT0A0A l& B0@0 D80@mڠ C0" `A"P@ !a!D"" k ! !G?DDqDGDDDDR5i_.4 / C IbA@a0_DG$㾉U U Ģ33ɒt(PP 3 gj@>-zp  \0 R (\30kxs'La&2\8=7 c > Pl="p ^+ԼU]ݒhIoJT޿_}xi-wzK_!ׯU__hYE:"2hG)D"kE:3^tGD}I*tb*2k YD4}}>uG^]5!}~laL80G)0@C!3͏ 3P P@ Sz*!*"'"+ P@ !H3P aA Sӥ:… 'x!y-}_`aeTkad% v #d"݂x(*ad 3[ a]5hS:AS!AU*aoL#e_-5 EEuVFL. 7NAAOOPAL$ ,AA O M.l*h&֜$ Uk6tTneΐl{_4TjI6fQ^hMYi:Mm=j9PA~ՓTze-  rve*+~z?AzvM*]i$N4~.گAi&k}⛸A+[&k[xA+⵾6+&k^_' {Bz*zo:{}u{=ե&6*u{~ }nu.~ޟ!:AzNzH{_{~1KI˶{_߾_!Bq/便!~z >`a"߾-?X߫_1, l; / ajxA  ҉g u__/ۿz^}ߥ_^Imo[KKKRE : ߝo:/I -Yz_/K!6y_B/߯;?x{_~;kBڞOC-Ck}]]u_uzW]פ_7-n[[Ͼ_S _8S mt0oL/\j[sG^qg%ަqru~ V z{ %ujl0K[U?_aNҴ+om 6}鴝a/ث*A bJd#8һ H10H0V0FqZ0pjk6궾V "1%a/`%⽆M6*4NA*pتTm$بlUCv mSiRvvm$h5p;b*b h ڠ +6S ` 1A@j  Ta) @0Ax   x `4 (A an@[S\b! !a?Sw0v !DE""B(G0"$0""6" ‚ (!GDEL>")DR5bHՈjD\DDR5t8tZU_U]w^%ޒI%ICJP҆pI$ 0000pIAbb))!h4l40A eH\ YWCFIcq)QC;!"Q.2b5J$NɈD PPnzTk QL Ph5B zTT4I0pz7ڣcDMk FmRnr?Y AdKqНXY-WTs۪Z}_ץ~_K--+KKWuQ__|gT}dK'EID"VbHR .DS SKDS"Ϣ_"VhYB"$h\!Fh"])D1"\ Sh!8 O$D=`Ak `#A}HH!pC2` !0G@ CP 4C3PA<3XL!D#5SFU*X`SF"vѬ0T.8pUPv aWMFΚ5UMn. 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R mB B m~ o_ֺ>_AWA-+>>Ѡ_a I//zۓLJu~,7 d5D]*IU-7֓}ҾPc]WIu W4i_"}:VD][uKUVU0KI/ҺV[¿[o[_S 8R ߔD8-$\{V<¯}uvuלY~0Ujk0II v{ B:#5N;Uz'i]ii[ޕ׶zkiڭW*tXD*w^SpXI[J][ *W}J[ga.AIM iit*ݥ&!{W݄%pXKPҊi;4;iՊ)հa/N*lSSa&!1 Ibvh$h6^&N؜pӶ)ӽ+^0AQMBa( m04H11 @j@]5MLBGa5P10Ab! a u65|DDj` ("D aC0! 3DE;DC2 Y@b aP0@a a;DXB,>"""""""""8""8?$U_w_$i$IKAA6Am!2e9hFveqHyY$ddJ!'([l0\RG0+jw9 !ؤj… Ѱ?TABA0X†uM(MR BA, 4 II? STpTN^ a*IAaW4K"tD ntD%۲),7߭6{zNUkZڥ_]/Wq?׮ii%k%o޴qq*^ݥ{ڪ~R #ZΈDbRS).$~RYN-Uk]Vb8aJSb>_q $VF,թu0Yd10Ad! NuLtS8%tO !d p@@O< (P@ .Hd:~nѭAk`mAQ0T E ֺi#[U|#d>Tk`*5 F((M0]*"݂^A $ڃ,]! TՊ056]6 [ ,굧wӧY60eҐoڪu H6 ,a~WVmrvX>VNtׄ~hQm}-R'ONI89;ANQl͢ OߺMMĬ~AW7O^oҽ_W 7o[totSt?zX~گ_B}'_Kޟ޽;t6ma__-O6|11kI7^!u!+Xo17@??'OaҿoKB /K< IA}%o o ? H $AC0 SWջ>_z AW/K__uo tKy%!KI:'Kȫr]ޗ/辖޿AJ5H?""v;i{{_ntO}?^_7Q߿u$u_80ukY8S 8t-L//S ڿ0S 8~Z^T4`]W}w^Wk0KT6[_~_~oa_Vi.Cgvi^v*[ikZ08;)%a/`%_tÃ% V3j#8`$_V^%݊׆i*SLRwa4mILW[LWҊ LSIU*UM5V*V*Oi'a5A: B@MSA B  a 5 ªMoMl-⚄ AE ` aj mSL \2j"#FB DD+A Vw" 4f( `v"""""9b"""""" !㈈###KޒMU7ttUޒM$մI6I$njiqAI!m$[Km$I60AA_DDDRAO-A'/???_L˯4_؅"?@ endstream endobj 74 0 obj << /Length 3591 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im75 Do Q Q q BT 3 Tr /F76 12.64 Tf 49.92 695.76 TD (1 California 92708. Id., Atts. A, I, at 683, 707; PX 04 \(Dondi\), Att. B, at 55. Prior to) Tj /F77 9.11 Tf -1.20 -22.08 TD (2 late 2007, Direct Lender operated primarily as a branch network of mortgage) Tj /F76 12.25 Tf 0.24 -22.32 TD (3 brokerages, resembling a mortgage banking franchisor. PX 24 \(Redding\), Att. V, at) Tj /F78 13.43 Tf -.24 -21.84 TD (4 1049-53. In or around late 2007, concurrent with a sharp decline in the mortgage) Tj /F76 12.05 Tf 0.24 -22.08 TD (5 brokerage market, Direct Lender expanded its operations to include the advertising,) Tj /F77 5.00 Tf 0.00 -22.08 TD (6 marketing and/or selling of ) Tj /F78 13.10 Tf 163.92 0.24 TD (mortgage loan modification and foreclosure relief) Tj /F77 8.94 Tf -163.92 -22.32 TD (7 services. Id., Att. W, at 1055-61; PX 04 \(Dondi\) ii 2 & Att. A, at 44,52; PX 14) Tj /F76 12.63 Tf 0.24 -22.08 TD (8 \(Studt\) ii 3, at 280; PX 05 \(Hall\) iiii 2-3 & Att. A, at 94,98-112. In or around late) Tj /F78 13.32 Tf -.24 -21.84 TD (9 March 2008, Direct Lender informed customers that these "loss mitigation services") Tj /F78 13.30 Tf -5.52 -21.84 TD (10 would begin operating under a separate California corporation, Loss Mitigation) Tj /F76 12.48 Tf 0.00 -22.08 TD (11 Services, Inc. PX 24 \(Redding\), Att. U, at 1047.) Tj /F76 13.43 Tf 0.00 -22.08 TD (12 Defendant Loss Mitigation Services, Inc. \("LMS"\) is a California corporation) Tj /F76 12.47 Tf 0.00 -22.08 TD (13 incorporated on February 13,2008. Id., Att. H, at 704. After purportedly assuming) Tj /F77 5.00 Tf 0.00 -21.84 TD (14 the loan modification operations of ) Tj /F78 12.98 Tf 211.44 0.00 TD (Direct Lender, LMS initially remained at the) Tj /F78 13.27 Tf -211.44 -22.08 TD (15 same location as Direct Lender and maintained the same personnel and phone) Tj /F76 12.62 Tf 0.00 -22.08 TD (16 numbers. Id., Att. U, at 1047; PX 16 \(Turley\), Att. D, at 328. Additionally, through) Tj /F77 9.43 Tf 0.00 -21.84 TD (17 at least May 2008, LMS corresponded with customers using stationery with emblems) Tj /F76 12.52 Tf 0.00 -22.08 TD (18 for both LMS and Direct Lender. PX 16 \(Turley\), Att. D, at 328. Thereafter, and) Tj /F78 13.28 Tf 0.00 -22.08 TD (19 continuing to the present, LMS maintained its principal place of business at 1700) Tj /F76 12.29 Tf -1.20 -22.08 TD (20 Carnegie Avenue, Suite 250, Santa Ana, California 92705. Id., Att. H.1, at 345; PX) Tj /F76 12.37 Tf 0.00 -22.08 TD (21 08 \(Osorio\), Att. E, at 189; PX 24 \(Redding\), Att. J, at 734.) Tj /F77 10.49 Tf 0.00 -21.84 TD (22 Defendant Dean Shafer co-founded LMS with Defendant Bernadette Perry.) Tj /F78 13.42 Tf 0.00 -22.08 TD (23 PX 24 \(Redding\), Att. W, at 1055-61. He initially registered the corporation to his) Tj /F76 11.97 Tf 0.00 -22.08 TD (24 home address, and listed himself in corporate registration documents as CEO, CFO,) Tj /F78 13.62 Tf 0.00 -22.08 TD (25 Secretary, and a director ofLMS. Id., Att. C, at 688. Mr. Shafer has a background in) Tj /F76 12.17 Tf 0.00 -21.84 TD (26 marketing, and has been credited with creating the direct mail solicitation that LMS) Tj /F76 12.26 Tf 0.00 -22.08 TD (27 has used since late 2007. Id., Att. W, at 1055-61; see also PX 04 \(Dondi\), Att. A, at) Tj /F76 12.49 Tf 0.00 -22.08 TD (28 52 \(early solicitation\); PX 16 \(Turley\), Att. 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IPDCIv_ ]Wѭ5InѬh0PT.@몯h֡ïdlh,ZGMXuAu M6 -Ae[A{h/;?AuU6*Mtҥ֒M89;G2aWlWk&⿧ ^/SN_&&6*u{[}߷'oLq -b u/0פܷ 4vo ^.ᴛwKibT+kXuoWJnb6K /oIRп6_I?- uo҉gpV[D5?_]>/ֺ_ֿ__Z_ei}+] Wt^~6y_Bt{뾒U}/_/pTz][z^K"m!HտIoo-[/K+8sG^qgS7I$C vn#iS 8'0n$zzIڭ;HUhV m[[5Mnm$$Va&* XK3 $Im}[b"D/b}J[i]pXI[J۫Ij?lSU1LBl%ikv'&'%Nv1Xa0Sl%l$0¬0AFV41X `4 (A an@Xb*mST,1AIa+;DXB 0üDDlDAPB"gx0 3DTfP8""Dqm-* W]ץuUI$zI$I$I$4IKiApIaAؤb# $dVTeH\/_/_/_$V'jM?  endstream endobj 81 0 obj << /Length 3261 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im82 Do Q Q q BT 3 Tr /F83 9.02 Tf 49.92 695.76 TD (1 solicitation\). Mr. Shafer is signatory on numerous bank accounts registered to LMS.) Tj /F84 13.45 Tf -1.20 -22.08 TD (2 PX 24 \(Redding\), Att. N, at 752-64. Mr. Shafer also opened bank accounts, using) Tj /F84 13.33 Tf 0.24 -22.32 TD (3 LMS's business address, for The National Loss Mitigation Association \("TNLMA"\).) Tj /F84 13.43 Tf -.24 -21.84 TD (4 Id., Att. P, at 774. Mr. Shafer is a signatory on the TNLMA bank accounts and listed) Tj /F85 13.16 Tf 0.24 -22.08 TD (5 an LMS email addressforhiscontactinformation.ld. i) Tj /F83 10.08 Tf 0.00 -22.08 TD (6 Defendant Bernadette Perry, a.k.a. Bernadette Carr, co-founded LMS with) Tj /F85 12.31 Tf 0.00 -22.08 TD (7 Defendant Dean Shafer. Id., Att. W, at 1055-61. Ms. Perry has a background in) Tj /F85 12.33 Tf 0.24 -22.08 TD (8 mortgage banking, having worked for Direct Lender prior to 2008. Id.; see also PX) Tj /F84 13.42 Tf -.24 -21.84 TD (9 03 \(Browne\), Att. B, at 41. Ms. Perry became CEO, CFO, Secretary, and a director) Tj /F84 13.29 Tf -5.52 -21.84 TD (10 of Direct Lender in late 2007, at approximately the time when Defendant Direct) Tj /F85 12.34 Tf 0.00 -22.08 TD (11 Lender was beginning to market loan modifications. PX 24 \(Redding\), Att. G, at) Tj /F85 12.35 Tf 0.00 -22.08 TD (12 701. Ms. Perry also is actively involved in LMS's operations, serving as its "Senior) Tj /F84 13.29 Tf 0.00 -21.84 TD (13 Negotiator" for loan modifications, and interacting with consumers and government) Tj /F84 13.52 Tf 0.00 -22.08 TD (14 officials on behalfofLMS. PX 03 \(Browne\), Att. B, at 41; PX 16 \(Turley\) iiii 31-34) Tj /F84 13.44 Tf 0.00 -22.08 TD (15 & Atts. T.1-T.4, T.6-T.8, at 294-95,406-16,420-25; PX 20 \(Lockwood\) iiii 6-7 &) Tj /F85 13.15 Tf 0.00 -22.08 TD (16 Att. B, at 540,546.) Tj /F85 13.43 Tf 0.00 -21.84 TD (17 Defendant Marion Anthony \("Tony"\) Perry, is President and Acting COO of) Tj /F84 13.59 Tf 0.00 -22.08 TD (18 LMS. PX 03 \(Browne\), Att. B, at 41. He has been a licensed real estate agent in) Tj /F84 13.30 Tf 0.00 -22.08 TD (19 California, and although his license has expired, LMS has marketed its loan) Tj /F84 13.40 Tf -1.20 -22.08 TD (20 modification services using his expired license. PX 24 \(Redding\), Att. Y, at 1070-77.) Tj /F84 10.80 Tf 0.00 -22.08 TD (21) Tj /F84 11.76 Tf 0.00 -21.84 TD (22) Tj /F84 11.28 Tf 0.00 -22.08 TD (23) Tj /F84 12.00 Tf 0.00 -22.08 TD (24) Tj /F84 11.52 Tf 0.00 -22.08 TD (25) Tj /F84 12.00 Tf 0.00 -21.84 TD (26) Tj /F84 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F84 13.14 Tf 60.24 49.68 TD (i Although TNLMA appears to be substantially controlled by LMS and its) Tj /F84 13.07 Tf -34.32 -20.40 TD (associates, see infra Part IV.4, TNLMA purports to be an industry association, see) Tj /F83 5.00 Tf 0.00 -15.36 TD (id., and LMS markets itself ) Tj /F84 13.35 Tf 146.40 0.24 TD (as a "Premier Certified Member ofTNLMA." PX 19) Tj /F84 13.16 Tf -146.40 -17.76 TD (\(White\), Att. E, at 538; PX 24 \(Redding\), Att. Q, S, at 780,802.) 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JURISDICTION AND VENUE) Tj /F90 13.01 Tf 34.32 -22.08 TD (This Court has subject matter jurisdiction over the FTC's claims pursuant to 28) Tj /F91 5.00 Tf -34.56 -22.32 TD (U.S.c. 1331, 1337\(a\), and 1345. Personal ) Tj /F90 13.08 Tf 240.72 0.00 TD (jurisdiction over Defendants exists) Tj /F90 13.36 Tf -240.72 -22.08 TD (pursuant to the FTC Act. 15 U.S.c. 53\(b\). Additionally, venue is proper in the) Tj /F90 13.15 Tf 0.48 -21.84 TD (Central District of California. Under the FTC Act, an action may be brought where a) Tj /F90 13.28 Tf 0.00 -22.08 TD (corporation or person "resides or transacts business." Id. As noted above,) Tj /F90 13.05 Tf -.24 -21.84 TD (Defendants do business in this district in Santa Ana and Fountain Valley, among) Tj /F90 12.98 Tf 0.24 -22.32 TD (other places, which are located in Orange County.) Tj /F91 13.83 Tf -.24 -21.60 TD (III. BACKGROUND ON THE MORTGAGE FORECLOSURE CRISIS) Tj /F90 13.03 Tf 34.32 -22.32 TD (Over the past year and a half, the nation has confronted an unprecedented) Tj /F90 13.14 Tf -34.08 -22.08 TD (downturn in the housing and mortgage markets. Home sales and housing starts are) Tj /F92 11.72 Tf 0.24 -22.08 TD (stagnant. Home prices are in steep decline, causing many homeowners to owe more) Tj /F90 13.14 Tf -.24 -21.84 TD (on their mortgages than their homes are worth. Concurrently, mortgage) Tj /F90 13.12 Tf 0.00 -22.08 TD (delinquencies and foreclosures have accelerated. The joined effects of falling home) Tj /F90 13.04 Tf -.48 -21.84 TD (prices, resetting adjustable rate mortgages, tighter underwriting standards, and the) Tj /F92 11.85 Tf 0.00 -22.32 TD (worsening job market have led to a mortgage credit meltdown.) Tj /F90 13.03 Tf 34.32 -21.60 TD (In response to this crisis, numerous mortgage lenders and servicers have) Tj /F90 13.02 Tf -33.84 -22.08 TD (instituted free programs to assist financially distressed homeowners by offering them) Tj /F90 13.17 Tf -.24 -22.08 TD (the opportunity to modify loans that have become unaffordable. The availability of) Tj /F90 13.04 Tf 0.00 -22.08 TD (these "loan modification" programs have expanded dramatically as lenders have) Tj /F90 13.04 Tf 0.24 -22.08 TD (increased participation in the President's "Making Home Affordable" plan.) Tj /F90 13.05 Tf -.24 -21.84 TD (Moreover, numerous major mortgage lenders and servicers, non-profit and) Tj /F90 13.01 Tf 0.24 -22.32 TD (community-based organizations, the federal government, and the news media have) Tj /F90 13.02 Tf -.48 -21.84 TD (helped publicize the availability of these free mortgage loan modification programs.) Tj /F90 13.05 Tf 0.24 -22.08 TD (Lenders often notify consumers of their eligibility for these programs through their) Tj /F90 13.15 Tf 0.24 -21.84 TD ("loss mitigation" departments. Defendants divert consumers from these free) Tj /F90 13.06 Tf -.48 -22.08 TD (programs and induce them instead to spend thousands of dollars in up-front fees on) Tj /F90 13.08 Tf 0.24 -22.08 TD (their purported "Loss Mitigation Services.") 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DEFENDANTS' DECEPTIVE PRACTICES) Tj /F97 10.02 Tf -1.20 -22.08 TD (2 Defendants make three primary deceptive representations to induce consumers) Tj /F97 8.64 Tf 0.24 -22.32 TD (3 to pay up-front fees and enroll in their program. First, they represent that they wil) Tj /F98 12.09 Tf -.24 -21.84 TD (4 obtain mortgage loan modifications for consumers or stop foreclosure on their homes) Tj /F99 13.41 Tf 0.24 -22.08 TD (5 in all or virtually all instances. See, e.g., PX 04 \(Dondi\) iiii 5, 12 & Att. F, at 45,46,) Tj /F98 12.54 Tf 0.00 -22.08 TD (6 76; PX 14 \(Studt\) ii 3, at 280; PX 05 \(Hall\) ii 3, at 94; PX 16 \(Turley\) iiii 4,7, 15 &) Tj /F98 12.49 Tf 0.00 -22.08 TD (7 Att. D, at 287-88,290,328; PX 10 \(Ruiz\) ii 4, at 193; PX 13 \(Stewart\) iiii 3-4, at 249-) Tj /F98 12.32 Tf 0.24 -22.08 TD (8 50; PX 18 \(Wells\) ii 4, at 439; PX 02 \(Bavadi\) ii 4, at 20; PX 06 \(Luke\) ii 5, at 115.) Tj /F97 9.34 Tf -.24 -21.84 TD (9 Second, Defendants represent that they wil refund consumers' money if Defendants) Tj /F98 12.09 Tf -5.52 -21.84 TD (10 do not succeed in obtaining a loan modification or stopping foreclosure. See, e.g.,) Tj /F98 12.41 Tf 0.00 -22.08 TD (11 PX 14 \(Studt\) ii 4, at 280; PX 10 \(Ruiz\) ii 5, at 193; PX 03 \(Browne\) ii 4 & Att. B, at) Tj /F98 12.43 Tf 0.00 -22.08 TD (12 27,34; PX 08 \(Osorio\) ii 4, at 170; PX 19 \(White\) ii 4, at 492-93; PX 12 \(Sciutti\)) Tj /F99 13.54 Tf 0.00 -22.08 TD (13 iiii 5,7 & Att. A, at 212,213,220; PX 23 \(Budich\), Atts. A, F, at 636,667; PX 24) Tj /F97 9.40 Tf 0.00 -21.84 TD (14 \(Redding\), Att. AA, at 1100-05. Third, Defendants lead numerous consumers to) Tj /F99 13.29 Tf 0.00 -22.08 TD (15 believe that Defendants are the consumers' lender or servicer, or that they are) Tj /F97 8.81 Tf 0.00 -22.08 TD (16 affiiated with, working with, or authorized by, the consumers' lender or servicer.) Tj /F98 12.57 Tf 0.00 -21.84 TD (17 See, e.g., PX 16 \(Turley\) iiii 3-4 & Att. A, at 287,298; PX 10 \(Ruiz\) ii 2 & Att. A, at) Tj /F98 12.51 Tf 0.00 -22.08 TD (18 193,200; PX 02 \(Bavadi\) ii 3, at 20; PX 08 \(Osorio\) ii 2 & Att. A, at 170,178; PX 01) Tj /F99 13.34 Tf 0.00 -22.08 TD (19 \(Anderson\) ii 3 & Att. A, at 1, 6. Defendants make these deceptive representations) Tj /F99 13.32 Tf -1.20 -22.08 TD (20 orally and in writing throughout the marketing and sales process that leads up to) Tj /F97 5.00 Tf 0.00 -22.08 TD (21 consumers' payment of ) Tj /F99 12.93 Tf 151.44 0.00 TD (Defendants' up-front fee.) Tj /F98 13.00 Tf -151.44 -21.84 TD (22 Most consumers' first contact with Defendants occurs when consumers receive) Tj /F99 13.43 Tf 0.00 -22.08 TD (23 Defendants' direct mail solicitation. The solicitation is targeted at distressed) Tj /F98 12.07 Tf 0.00 -22.08 TD (24 homeowners, whom Defendants identify through mortgage and property data they) Tj /F98 12.11 Tf 0.00 -22.08 TD (25 purchase. The overall design of the solicitation deceives many consumers into) Tj /F99 13.32 Tf 0.00 -21.84 TD (26 believing that they are receiving a notice from their mortgage lender or servicer) Tj /F99 13.39 Tf 0.00 -22.08 TD (27 offering them a last chance to save their home. The letter prominently includes the) Tj /F97 5.00 Tf 0.00 -22.08 TD (28 name of ) Tj /F99 13.02 Tf 71.52 0.00 TD (the consumer's mortgage lender, specifies the original loan amount, and) Tj /F99 9.60 Tf 178.32 -25.92 TD (6) Tj ET Q endstream endobj xref 1 2 0000564189 00000 n 0000564248 00000 n 93 7 0000564412 00000 n 0000564576 00000 n 0000619113 00000 n 0000565104 00000 n 0000564723 00000 n 0000564848 00000 n 0000564975 00000 n trailer << /Size 100 /Prev 563862 /Root 1 0 R >> startxref 622785 %%EOF % Page Description << /EndOffset 0000678265>> 1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [3 0 R 10 0 R 17 0 R 24 0 R 31 0 R 38 0 R 45 0 R 52 0 R 58 0 R 65 0 R 72 0 R 79 0 R 86 0 R 93 0 R 100 0 R ] /Count 15 >> endobj 100 0 obj << /Type /Page /Parent 2 0 R /Resources 101 0 R /Contents 102 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 614.40 792.00 ] >> endobj 101 0 obj << /XObject << /Im103 103 0 R>> /Font << /F104 104 0 R /F105 105 0 R /F106 106 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 104 0 obj << /Type /Font /Subtype /Type1 /Name /F104 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 105 0 obj << /Type /Font /Subtype /Type1 /Name /F105 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 106 0 obj << /Type /Font /Subtype /Type1 /Name /F106 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 103 0 obj << /Type /XObject /Subtype /Image /Name /Im103 /Width 2560 /Height 3300 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2560 /Rows 3300>> /Decode [0 1 ] /Length 50234 >> stream ֌ 7B"RB;I Pe;DvH";(gp\b>l3N .ah83ᘁ[Fpl([„A`Qv Dv lI /"RvӰ7%\"l=7I:Nw_~;L8XwAp[4q@-%nnn}V{ޓuLd?W[I]w>q޷^}i%U3O_"MJjG#Hn>ޟ&T"/"ꨈE:\%;mDF" D4}831O 5"ƈz M!HO:P@ >(P@b0A#B̓" "R\#?Ɂ620LBL8*al5-5}PhNT.@f 5WMچa|"݆LB-(*𩻅¦ !A~޷QA*i6l*a 6Z)ZM/n A ߓTAՓTt~wG rve~fmGM'h9;GInzzW).+[&6I?^W8Tu{Vt=_}U} WJNOTO/᎗\o~_߼B+.!/i1ac???_X c/AA}o^AA__ A~7֗=wI//G_^BKK_I|}ҿ߯_k!_ۦ+o]]]^$}uuuҵvSG멅kagjaVުjwv^oi${ L08;J%ua&Ҵ`tZL-gw 0j^]*_ݱI]J*I6*LSi0NRvN4A'aQZKjb;m$tؤ튦*UWN%M;"8B8Dq jXjpylpbPt `  @j0 D=6608Dql | ` a0@p`H;DDDDQ""B DB8`A"?DDDDGHՈ#%WZ_J_(a/M0 0@̔$v\-#Fv;z A[`([?…/?sّw?z? ~,?A;dy2ErtUVS^"tD]p_uU__U_UUQx#YH4F" 4CFhjF-sD"!Y0%#D)B"iNթ>ͼt%峧ٱ尭#ϕ^ֳ)ש藳!060A<3DCЈDSD= `:K0:h ` CP8 "!DC3PCA3( gk)H‚xf$CЉQ Q9˂jbaND?!t( k` iPPh"]0Ua04n-ɜTk B-*a"95Ft-EFS L"݂lFUB.IE Ba#eB.*[PTk ?^l*aS nPM 27@=06 M h T! 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The solicitation) Tj /F105 8.95 Tf 0.24 -22.32 TD (3 invites consumers to call Defendants' toll-free number.) Tj /F105 10.36 Tf -.24 -21.84 TD (4 Defendants also market via the website www.1mslossmit.com. The website) Tj /F104 12.20 Tf 0.24 -22.08 TD (5 urges consumers to "\(gJet started" by calling LMS at a toll-free number or to input) Tj /F105 9.09 Tf 0.00 -22.08 TD (6 personal information directly on screen. PX 24 \(Redding\), Att. Q, at 780. The) Tj /F104 12.07 Tf 0.00 -22.08 TD (7 website warns homeowners that "Representing Yourself Can Be Hazardous!" and) Tj /F105 8.58 Tf 0.24 -22.08 TD (8 that, if they do, "you wil be offered less of a modification or short sale than you) Tj /F105 9.03 Tf -.24 -21.84 TD (9 could really get." Id. The website also claims that "\(mJany times we can) Tj /F104 12.38 Tf -5.52 -21.84 TD (10 substantially improve your loan modification or short sale. We know how to) Tj /F104 12.46 Tf 0.00 -22.08 TD (1 1 communicate with your lender." Id. Defendants' marketing efforts yield) Tj /F104 12.18 Tf 0.00 -22.08 TD (12 approximately 500 inbound calls per day from consumers, id., Att. W, 1055-61.) Tj /F106 13.17 Tf 0.00 -21.84 TD (13 LMS' s profit and loss statement reflects that it collected an average of approximately) Tj /F105 5.00 Tf 0.00 -22.08 TD (14 $741,000 per month in "Loan Mod Fees" between October 2008 and April ) Tj /F104 12.60 Tf 418.56 0.00 TD (2009. PX) Tj /F106 13.39 Tf -418.56 -22.08 TD (15 21 \(Sibner\), Att. D, at 580 \(CD-ROM\). With typical advance fees of $3,500 \(though) Tj /F105 9.28 Tf 0.00 -22.08 TD (16 they range between $2,500 and $5,500\), this amounts to approximately 200) Tj /F105 10.05 Tf 0.00 -21.84 TD (17 consumers per month.) Tj /F104 13.09 Tf 0.00 -22.08 TD (18 In actuality, Defendants do not live up to their promises. Once consumers pay) Tj /F104 12.17 Tf 0.00 -22.08 TD (19 the up-front fee, Defendants do little, if anything, to negotiate with the consumers') Tj /F104 12.19 Tf -1.20 -22.08 TD (20 lenders and often fail to obtain the promised modifications. The consequences of) Tj /F105 9.44 Tf 0.00 -22.08 TD (21 Defendants' deceptive conduct are devastating. Many consumers have gone into) Tj /F104 12.12 Tf 0.00 -21.84 TD (22 foreclosure and lost their homes while they waited for Defendants to obtain them a) Tj /F106 13.41 Tf 0.00 -22.08 TD (23 loan modification. Many have lost valuable time they could have spent working) Tj /F106 13.30 Tf 0.00 -22.08 TD (24 directly with their lenders or servicers to save their homes, or getting help from a free) Tj /F104 12.13 Tf 0.00 -22.08 TD (25 housing counseling service. Many have fallen behind on mortgage payments after) Tj /F106 13.32 Tf 0.00 -21.84 TD (26 paying Defendants' up-front fee, while others have missed payments acting on) Tj /F104 12.67 Tf 0.00 -22.08 TD (27 Defendants' advice.) 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Tj /F111 13.02 Tf 0.24 -33.12 TD (Defendants make numerous misrepresentations to convince consumers that) Tj /F112 12.21 Tf -34.08 -21.84 TD (Defendants wil secure loan modifications or stop foreclosure in all or virtually all) Tj /F111 13.03 Tf 0.24 -22.08 TD (instances, and that a loan modification in the consumer's particular case is assured or) Tj /F111 13.12 Tf -.48 -22.32 TD (virtually assured. Defendants make the majority of these misrepresentations at the) Tj /F111 13.02 Tf 0.00 -22.08 TD (beginning of the marketing process to extract their advance fee from consumers.) Tj /F111 13.03 Tf 0.24 -21.60 TD (However, even after Defendants have collected their advance fee, they continue to) Tj /F111 13.04 Tf -.24 -22.08 TD (mislead consumers to assuage their concerns about the lack of apparent progress in) Tj /F111 13.02 Tf 0.48 -22.32 TD (obtaining loan modifications, and thereby to forestall or avoid having to pay refunds.) Tj /F113 10.20 Tf 68.40 -22.08 TD (1. Defendants Falsely Claim a High Probabilty of Success) Tj /F111 13.02 Tf -34.80 -21.84 TD (Among the earliest and most powerful claims Defendants make to foster the) Tj /F111 13.04 Tf -34.08 -22.08 TD (belief that a loan modification is assured or virtually assured is their claim that they) Tj /F111 13.16 Tf 0.00 -21.84 TD (have a high success rate - ninety percent or above - in modifying mortgage loans.) Tj /F112 11.92 Tf 0.24 -22.08 TD (PX 14 \(Studt\) ii 3, at 280 \(Direct Lender has 100% success rate\); PX 04 \(Dondi\) iiii 5,) Tj /F111 13.14 Tf 1.20 -22.08 TD (12 & Att. F, at 45,46,76 \(Direct Lender has 97% success rate\); PX 16 \(Turley\) iiii 4,) Tj /F111 13.22 Tf 0.00 -21.84 TD (15 & Att. D, at 287-88,290,328 \(LMS has 97% success rate\); PX 23 \(Budich\), Att.) Tj /F111 10.56 Tf -25.68 -11.04 TD (17) Tj /F111 13.02 Tf 24.24 -11.04 TD (A, at 636 \(LMS has a 93% success rate\); PX 18 \(Wells\) ii 4, at 439 \(LMS has 90%) Tj /F111 10.56 Tf -24.24 -11.04 TD (18) Tj 0.00 -22.08 TD (19) Tj /F111 12.00 Tf -1.20 -22.08 TD (20) Tj /F111 10.80 Tf 0.00 -22.08 TD (21) Tj /F111 11.76 Tf 0.00 -21.84 TD (22) Tj /F111 11.28 Tf 0.00 -22.08 TD (23) Tj /F111 12.00 Tf 0.00 -22.08 TD (24) Tj /F111 11.52 Tf 0.00 -22.08 TD (25) Tj /F111 12.00 Tf 0.00 -21.84 TD (26) Tj /F111 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F111 12.93 Tf 26.16 209.04 TD (success rate\).2 These claims, which Defendants make both orally and in writing, have) Tj /F111 13.00 Tf -.24 -21.84 TD (induced numerous consumers to pay Defendants' up-front fees.) Tj /F111 13.03 Tf 33.84 -21.84 TD (For example, a representative of LMS told homeowner Bobby Turley by phone) Tj /F111 13.09 Tf -34.08 -22.08 TD (that LMS had a 97% success rate in modifying customers' loans. 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(!EY""gx \|GGm$Wvi$H M# DRAF&o[  WK/ A@#@ endstream endobj 116 0 obj << /Length 3491 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im117 Do Q Q q BT 3 Tr /F118 13.10 Tf 49.92 695.76 TD (1 loan modification was approved," and reiterating that "\( w Je have a proven track) Tj /F118 13.26 Tf -1.20 -22.08 TD (2 record with a 97% success rate in modifying our customer's \(sicJ loans," id. ii 7 &) Tj /F118 13.40 Tf 0.24 -22.32 TD (3 Att. D, at 288, 328. To close the deal, the representative attached a form to the letter) Tj /F119 9.26 Tf -.24 -21.84 TD (4 so that Mr. Turley could authorize payment to LMS of a $5,500 advance fee. Id. Mr.) Tj /F120 12.37 Tf 0.24 -22.08 TD (5 Turley paid the fee, id. ii 8, at 288, but LMS failed to obtain a loan modification for) Tj /F118 13.37 Tf 0.00 -22.08 TD (6 him, id. ii 27, at 293. Mr. Turley's home was put in foreclosure, and he was left to) Tj /F120 12.47 Tf 0.00 -22.08 TD (7 negotiate a workout plan with his lender on his own. Id. iiii 27-29,35, at 293-94,295.) Tj /F118 13.30 Tf 0.24 -22.08 TD (8 More than a year after LMS collected its advance fee, it denied Mr. Turley's request) Tj /F119 9.10 Tf -.24 -21.84 TD (9 for a refund, claiming LMS "never guaranteed \(himJ any particular loan modification) Tj /F120 13.05 Tf -5.52 -21.84 TD (10 result." Id., Att. W, at 438.) Tj /F120 13.22 Tf 0.00 -22.08 TD (11 Numerous other homeowners have similar stories. For example, a) Tj /F120 12.24 Tf 0.00 -22.08 TD (12 representative of Direct Lender told homeowner Elizabeth Dondi orally and in) Tj /F118 13.36 Tf 0.00 -21.84 TD (13 writing that Direct Lender had a 97% success rate in modifying customers' loans. PX) Tj /F118 13.50 Tf 0.00 -22.08 TD (14 04 \(Dondi\) iiii 5, 12 & Att. F, at 45,46,76. Ms. Dondi paid the requested $4,995 fee,) Tj /F118 13.21 Tf 0.00 -22.08 TD (15 id. ii 13, at 46-47, but Direct Lender failed to obtain a loan modification for her, id. ii) Tj /F118 13.39 Tf 0.00 -22.08 TD (16 22, at 49. Ms. Dondi's home was put in foreclosure, and she was left to negotiate a) Tj /F120 12.28 Tf 0.00 -21.84 TD (17 forbearance agreement on her own. Id. iiii 20, 23, at 48, 49. A Direct Lender) Tj /F118 13.26 Tf 0.00 -22.08 TD (18 representative also told homeowner Rainy Studt that it had a 100% success rate, PX) Tj /F120 12.06 Tf 0.00 -22.08 TD (19 14 \(Studt\) ii 3, at 280, after which Ms. Studt paid the requested $2,995 fee, id. ii 5, at) Tj /F120 12.44 Tf -1.20 -22.08 TD (20 281, but did not receive a modification, id. ii 12, at 282. A representative ofLMS) Tj /F118 13.27 Tf 0.00 -22.08 TD (21 told homeowner Clifford Wells that LMS had a 90% success rate, PX 18 \(Wells\) ii 4,) Tj /F118 13.29 Tf 0.00 -21.84 TD (22 at 439, after which Mr. Wells paid the requested $3,500 fee, id. ii 10, at 441, but did) Tj /F120 12.38 Tf 0.00 -22.08 TD (23 not receive a modification, id. ii 14, at 442-43.) Tj /F120 13.27 Tf 0.00 -22.08 TD (24 An LMS representative made a similar claim to an FTC investigator who) Tj /F118 13.45 Tf 0.00 -22.08 TD (25 called LMS's toll-free number in March 2009. The representative told the) Tj /F118 13.11 Tf 0.00 -21.84 TD (26 investigator, "\( w Je have a 93 percent success rate on loan modifications and a full) Tj /F120 12.05 Tf 0.00 -22.08 TD (27 money back guarantee. So, you called probably the best people in the country to do) Tj /F118 13.70 Tf 0.00 -22.08 TD (28 this for you." PX 23 \(Budich\), Att. A, at 636.) 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Tg=H6?aS ¦ AAtl*`B .Y7L$ Amh*h _!&?R}rvԭ&vMNA~mrvu`~Փ~QIt{fIlѣ_oII~Փm7WE 6fQ_i7^OmS7lP~aAⴛjT7SwNo]0@h P@ !@˜"q P"!D"x)zྍa5-߄l5{h8} "[0PPh*E 3[![Tѭh&EMpUFBi[L0UFMF צ_HgF  N SH6 a AA֜*3 !6m&Aj=4l*`H\H6 T ۰*3H6  WV+*);s +'!*)6Vz?Arh'h?Y t{km6f䆊Y;A:=t{fPrv }&MqO_xڧ_+nn6[bM> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im124 Do Q Q q BT 3 Tr /F125 6.24 Tf 49.92 695.76 TD (1) Tj /F125 10.56 Tf -1.20 -22.08 TD (2) Tj /F125 9.12 Tf 0.24 -22.32 TD (3) Tj /F125 11.04 Tf -.24 -21.84 TD (4) Tj /F125 9.60 Tf 0.24 -22.08 TD (5) Tj /F125 10.56 Tf 0.00 -22.08 TD (6) Tj /F125 10.08 Tf 0.00 -22.08 TD (7) Tj /F125 9.60 Tf 0.24 -22.08 TD (8) Tj /F125 10.08 Tf -.24 -21.84 TD (9) Tj /F125 10.80 Tf -5.52 -21.84 TD (10) Tj /F125 9.60 Tf 0.00 -22.08 TD (11) Tj /F125 10.56 Tf 0.00 -22.08 TD (12) Tj /F125 10.08 Tf 0.00 -22.08 TD (13) Tj /F125 10.80 Tf 0.00 -21.84 TD (14) Tj /F125 10.32 Tf 0.00 -22.08 TD (15) Tj /F125 10.80 Tf 0.00 -22.08 TD (16) Tj /F125 10.56 Tf 0.00 -21.84 TD (17) Tj 0.00 -22.08 TD (18) Tj 0.00 -22.08 TD (19) Tj /F125 12.00 Tf -1.20 -22.08 TD (20) Tj /F125 10.80 Tf 0.00 -22.08 TD (21) Tj /F125 11.76 Tf 0.00 -21.84 TD (22) Tj /F125 11.28 Tf 0.00 -22.08 TD (23) Tj /F125 12.00 Tf 0.00 -22.08 TD (24) Tj /F125 11.52 Tf 0.00 -22.08 TD (25) Tj /F125 12.00 Tf 0.00 -21.84 TD (26) Tj /F125 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F125 13.01 Tf 59.76 594.72 TD (Despite Defendants' success rate claims, they have not secured loan) Tj /F125 13.02 Tf -34.32 -22.08 TD (modifications for consumers in anything approaching all or virtually all instances.) Tj /F125 13.05 Tf -.24 -22.32 TD (Numerous declarants have stated that they did not receive the loan modification or) Tj /F125 13.10 Tf 0.96 -22.08 TD (services they were promised after paying Defendants their up-front fee. See PX 14) Tj /F125 12.94 Tf -.24 -24.24 TD (\(Studt\) ii 12, at 282; PX 05 \(Hall\) ii 10, at 95; PX 16 \(Turley\) ii 27, at 293; PX 10) Tj /F125 12.90 Tf 0.00 -22.08 TD (\(Ruiz\) ii 26, at 198; PX 18 \(Wells\) ii 16, at 443; PX 02 \(Bavadi\) iiii 13-14, at 22-23;) Tj /F125 13.08 Tf -.24 -19.44 TD (PX 19 \(White\) ii 25, at 497; PX 06 \(Luke\) ii 26, at 120. In addition to these) Tj /F125 13.02 Tf 0.24 -22.32 TD (declarants, the FTC has collected complaints from approximately 70 consumers who) Tj /F125 13.11 Tf -.48 -21.84 TD (were dissatisfied with their dealings with Defendants. PX 24 \(Redding\) ii 38, at 678.) Tj /F125 13.04 Tf 0.00 -21.84 TD (Approximately half of these consumers reported that they signed up with Defendants) Tj /F125 13.26 Tf 0.00 -22.32 TD (but did not receive the promised results. Id. Further, in direct contradiction to) Tj /F125 13.03 Tf 0.24 -21.84 TD (Defendants' oral and written success rate claims, Defendant Dean Shafer, the) Tj /F125 13.04 Tf 0.00 -21.84 TD (President and co-founder of LMS, admitted in a news interview published in late) Tj /F125 13.13 Tf 0.00 -22.08 TD (March 2009 that LMS's 97% success rate claim was untrue. Id., Att. W, at 1055-61.) Tj /F126 5.00 Tf 0.00 -22.08 TD (Moreover, in an internal em ) Tj /F125 13.01 Tf 146.40 0.00 TD (ail in late May 2009, he wrote that LMS's customers are) Tj /F125 13.20 Tf -146.16 -22.08 TD ("now hammering for refunds." PX 21 \(Sibner\), Att. A, at 572.) Tj /F126 10.37 Tf 67.68 -32.88 TD (2. Defendants Deceptively Promise Attractive Lender) Tj /F125 13.30 Tf 34.08 -11.28 TD (Concessions) Tj /F125 13.02 Tf -67.92 -21.84 TD (In numerous instances, Defendants' phone representatives have led consumers) Tj /F125 13.04 Tf -34.08 -22.08 TD (to believe they would receive loan modifications by telling them of attractive lender) Tj /F125 13.01 Tf 0.24 -22.32 TD (concessions or specific loan modification outcomes consumers could expect to) Tj /F125 13.14 Tf -.48 -21.60 TD (receive if they hired Direct Lender or LMS. Defendants' representatives make these) Tj /F125 13.03 Tf 0.48 -22.32 TD (claims without possessing sufficient financial information about the consumers to) Tj /F125 13.06 Tf -.48 -21.84 TD (know whether the concessions were plausible, and without having contacted) Tj /F125 13.03 Tf 0.48 -22.32 TD (consumers' lenders, who actually would have to make the decision whether to grant) Tj /F125 12.87 Tf 0.00 -21.60 TD (any such concessions.) 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(!A"H` (&w0`B" !G?A" aa0DC Cc_""")X""""">Iiizq]^__JPK00A~X(}/] `W_JK%_K/D5_AUUDS!N$#EB%њ">|YYD%]FB,#yNyB%Ϣ#>EDT.k)".O&xSL`)D>A5` ` !@L3CPH&C Sh! !:R L`)D?A5L3CP.:u% `a#[Ä[0Zat-*[UL"X`4-ޚ5k5"݄]Uh6B-54k`X0Zat-*l[4kh<h=_RAݦAe6A4a Tg H:AAatm :6} T5 ,h ^MH6r a _z[&6fQfmsFԮhI:Mfm]'I?R}~ԛ3h?RoG>ڰ˶ųWϱ-/Bޖ!}.ӯ*__X%(?0O-?b`"ØX acz8/ a߄aA ot ,0/ ? A_an_K:'K_΋΋k΋:+!:$tWa΋:+뇿oVӶR'mG_ut7_}}L/[SGk_k}L/8׿S oZjiaW  w00KUmX` %+U$ڧjڴװ+ 0KUaMu3FUbV*Xҿb*!F0^[ Ua+[Wb%wZZgaV ^W**ؤN5Nm%M7Nتbqbqvv*N8VRvM'n'n4NتbqMU؜pm$P@ڄ M l  A0 6@ „h MTS0mP@P M l  ATP|6aBA!DC &w" !DD aaA!!0""PUDA$aA0 C"""""""""#%AGF L$æȉ&v!)KGckA)^`> p ک!%ÑH=7߅ 0A ^3Zѭs6K 0M&NmA'I]~a' kT64bn p;vITr&zTM߶I66Zz[T__ҍ>=ձꗴܰ?> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im130 Do Q Q q BT 3 Tr /F131 12.31 Tf 49.92 695.76 TD (1 $2,400 or $2,500 per month to $ 1,500 per month. PX 18 \(Wells\) iiii 3-4, at 439. At) Tj /F132 9.03 Tf -1.20 -22.08 TD (2 the time, the representative had asked Mr. Wells only for his monthly mortgage) Tj /F131 12.04 Tf 0.24 -22.32 TD (3 payment, his interest rate, and whether he was current on his payments. Id. ii 4, at) Tj /F132 9.11 Tf -.24 -21.84 TD (4 439. After hearing these representations, Mr. Wells paid LMS an up-front fee of) Tj /F133 13.52 Tf 0.24 -22.08 TD (5 $3,500. Id. ii 10, at 441. He did not receive a loan modification. Id. ii 22, at 444-45.) Tj /F131 12.01 Tf 0.00 -22.08 TD (6 Other consumers have reported similar experiences. See, e.g., PX 14 \(Studt\) iiii 3, 12,) Tj /F132 8.87 Tf 0.00 -22.08 TD (7 at 280, 282 \(without requesting financial information, Direct Lender claimed it could) Tj /F132 9.18 Tf 0.24 -22.08 TD (8 obtain a 30-year fixed-rate mortgage with 4% interest and $2,300 monthly payments,) Tj /F131 12.57 Tf -.24 -21.84 TD (9 but failed to do so\); PX 05 \(Hall\) iiii 3,10, at 94,95 \(without requesting financial) Tj /F133 13.29 Tf -5.52 -21.84 TD (10 information, Direct Lender claimed it could obtain a lower interest rate, a lower) Tj /F133 13.26 Tf 0.00 -22.08 TD (11 monthly payment, and a reduction of the mortgage principal amount, but failed to do) Tj /F132 8.85 Tf 0.00 -22.08 TD (1 2 so\).) Tj /F132 10.01 Tf 0.00 -21.84 TD (13 Defendants have made similar representations to FTC investigators who have) Tj /F133 13.38 Tf 0.00 -22.08 TD (14 called LMS's toll-free number. For example, an LMS representative twice told an) Tj /F131 12.30 Tf 0.00 -22.08 TD (15 FTC investigator that she had "hit the trifecta" for a loan modification, PX 23) Tj /F133 13.50 Tf 0.00 -22.08 TD (16 \(Budich\), Att. A, at 642,647, without having asked whether she had ajob or any) Tj /F131 11.98 Tf 0.00 -21.84 TD (17 source of household income at all, or for an estimate of her monthly expenses.3 The) Tj /F131 12.22 Tf 0.00 -22.08 TD (18 representative added that, if the investigator hired LMS, "you'll be really pleased") Tj /F132 9.07 Tf 0.00 -22.08 TD (19 with the result. Id., at 647. Another LMS telephone representative told an FTC) Tj /F132 9.37 Tf -1.20 -22.08 TD (20 investigator that LMS could reduce his mortgage payments from $2,600 per month to) Tj /F133 13.13 Tf 0.00 -22.08 TD (21 $ 1 ,200 per month, reduce the interest rate and principal amount owed, and convert a) Tj /F131 12.24 Tf 0.00 -21.84 TD (22 variable rate mortgage to a 30-year fixed rate mortgage. PX 22 \(Figueroa\), Att. A, at) Tj /F133 13.32 Tf 0.00 -22.08 TD (23 591 -92. The representative made these statements without having asked the) Tj /F133 12.00 Tf 0.00 -22.08 TD (24) Tj /F133 11.52 Tf 0.00 -22.08 TD (25) Tj /F133 13.15 Tf 59.76 -1.20 TD (3 The representative asked the investigator only: the name of her mortgage) Tj /F133 13.03 Tf -33.84 -20.40 TD (lender; her interest rate and whether it had increased; her monthly payment and) Tj /F132 5.00 Tf -25.92 -22.32 TD (27 whether it had increased; the balance of ) Tj /F131 11.68 Tf 236.16 7.20 TD (her mortgage; whether her home had lost) Tj /F132 9.06 Tf -210.72 -15.36 TD (value; whether her income had decreased; and whether she had fied for) Tj /F131 12.71 Tf -25.44 -13.92 TD (28 bankruptcy. PX 23 \(Budich\), Att. A, at 635-39.) 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A*3A¦ U.n \$H7t2XRm 2?HFmGM~?M*׃-&ϴTjuu$.IbM> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im137 Do Q Q q BT 3 Tr /F138 12.03 Tf 49.92 695.76 TD (1 investigator whether he had a job or any source of household income at all, or for an) Tj /F139 9.20 Tf -1.20 -22.08 TD (2 estimate of his monthly expenses.4) Tj /F140 9.12 Tf 0.24 -22.32 TD (3) Tj /F140 11.04 Tf -.24 -21.84 TD (4) Tj /F140 11.84 Tf 87.12 11.04 TD (3.) Tj /F140 13.86 Tf 33.84 0.24 TD (Defendants Falsely Claim that Consumers' Modifications) Tj /F140 13.85 Tf 0.00 -11.28 TD (Have Been "Approved") Tj /F139 9.39 Tf -120.72 -22.08 TD (5 At the conclusion of the initial telemarketing call, Defendants typically send) Tj /F138 12.05 Tf 0.00 -22.08 TD (6 consumers an email or letter attaching various documents, including a loan) Tj /F140 13.40 Tf 0.00 -22.08 TD (7 modification application that requests detailed personal and financial information. In) Tj /F140 13.29 Tf 0.24 -22.08 TD (8 numerous instances, after consumers return the completed application, Defendants) Tj /F138 12.24 Tf -.24 -21.84 TD (9 send the consumers letters and emails falsely implying - or stating outright - that) Tj /F140 13.39 Tf -5.52 -21.84 TD (10 LMS already has obtained a loan modification for the consumer. In reality,) Tj /F140 13.24 Tf 0.00 -22.08 TD (11 Defendants have not even contacted consumers' lenders at the time they make these) Tj /F140 13.35 Tf 0.00 -22.08 TD (12 representations. Defendants use these deceptive representations as a way to close the) Tj /F140 13.32 Tf 0.00 -22.08 TD (13 deal - in the same communication, they ask consumers to pay the up-front fee:) Tj /F138 15.13 Tf 0.00 -21.84 TD (14 Your loan modification was approved. I have attached the) Tj /F138 16.08 Tf 0.00 -22.08 TD (15 payment form to process the fee for your loan) Tj /F138 15.78 Tf 0.00 -22.08 TD (16 modification. The fee for your loan modification is) Tj /F138 15.36 Tf 0.00 -21.84 TD (17 $5,500. PX 16 \(Turley\), Att. D, at 328 \(emphasis in) Tj /F138 25.34 Tf 0.00 -22.08 TD (1 8 original\).) Tj /F138 72.00 Tf 0.00 -22.08 TD (19 * * *) Tj /F139 11.35 Tf -1.20 -22.08 TD (20 Your application has passed our Underwriting Department.) Tj /F138 14.95 Tf 0.00 -22.08 TD (21 The fee required to handle your modification is $3700. PX) Tj /F138 17.63 Tf 0.00 -21.84 TD (22 13 \(Stewart\), Att. C, at 270.) Tj /F138 72.00 Tf 0.00 -22.08 TD (23 * * *) Tj /F140 12.00 Tf 0.00 -22.08 TD (24) Tj /F140 11.52 Tf 0.00 -22.08 TD (25) Tj /F140 12.00 Tf 0.00 -21.84 TD (26) Tj /F140 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F140 13.14 Tf 59.76 49.68 TD (4 The representative asked the investigator for only: his mortgage balance;) Tj /F140 13.03 Tf -34.32 -20.40 TD (his total monthly payment amount; his interest rate and whether the rate had) Tj /F140 13.15 Tf 0.48 -15.36 TD (changed; whether he had fied for bankruptcy; and whether he was late on his) Tj /F140 13.20 Tf -.48 -14.88 TD (payments. PX 22 \(Figueroa\), Att. A, at 590-91.) 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Your application has been accepted for a) Tj /F145 11.16 Tf -1.20 -22.08 TD (2 loan modification. I have attached the payment forms to) Tj /F145 10.95 Tf 0.24 -22.32 TD (3 process the fee for your loan modification. The processing) Tj /F145 11.02 Tf -.24 -21.84 TD (4 fee for your loan modification is $3,500. PX 18 \(Wells\),) Tj /F146 23.05 Tf 0.24 -22.08 TD (5 Att. E, at 475.) Tj /F145 60.86 Tf 0.00 -22.08 TD (6 * * *) Tj /F145 11.54 Tf 0.00 -22.08 TD (7 Your loan modification application was reviewed and) Tj /F145 11.04 Tf 0.24 -22.08 TD (8 accepted. I have attached the payment form to process the) Tj /F145 11.04 Tf -.24 -21.84 TD (9 fee for your loan modification. The fee for your loan) Tj /F146 15.40 Tf -5.52 -21.84 TD (10 modification is $3,500. PX 19 \(White\), Att. B, at 523.) Tj /F146 13.06 Tf 0.00 -22.08 TD (11 These misrepresentations are particularly pernicious. They exploit consumers') Tj /F146 12.01 Tf 0.00 -22.08 TD (12 hope that someone can help them find a way out of a financial predicament that) Tj /F145 9.13 Tf 0.00 -21.84 TD (13 threatens their home. In each case above, the consumer paid LMS its requested up-) Tj /F146 12.42 Tf 0.00 -22.08 TD (14 front fee. PX 16 \(Turley\) ii 8, at 288; PX 13 \(Stewart\) ii 9, at 251; PX 18 \(Wells\)) Tj /F147 13.31 Tf 0.00 -22.08 TD (15 ii 10, at 441; PX 19 \(White\) ii 10, at 494. In each case, LMS failed to obtain the) Tj /F146 12.39 Tf 0.00 -22.08 TD (16 promised loan modification. PX 16 \(Turley\) ii 27, at 293; PX 13 \(Stewart\) ii 13, at) Tj /F147 13.33 Tf 0.00 -21.84 TD (17 252; PX 18 \(Wells\) ii 16, at 443; PX 19 \(White\) ii 16, at 495. In one case, the) Tj /F146 12.23 Tf 0.00 -22.08 TD (18 consumer lost her home. PX 13 \(Stewart\) ii 17, at 253.) Tj /F147 10.56 Tf 0.00 -22.08 TD (19) Tj /F147 11.84 Tf 92.40 -11.04 TD (4.) Tj /F147 13.98 Tf 33.84 0.00 TD (Defendants Make Various Other Misrepresentations to Entice) Tj /F147 13.95 Tf 0.24 -11.28 TD (Consumers to Pay an Up-Front Fee) Tj /F147 12.00 Tf -127.68 0.24 TD (20) Tj /F147 14.52 Tf 0.00 -22.08 TD (21 Defendants make numerous other misrepresentations to further entice) Tj /F145 5.00 Tf 0.00 -21.84 TD (22 consumers to pay an up-front fee, and to cover up their lack of ) Tj /F147 13.22 Tf 355.20 -.24 TD (work on behalf of) Tj /F147 13.64 Tf -355.20 -21.84 TD (23 consumers once the fee is paid.) Tj /F146 13.21 Tf 0.00 -22.08 TD (24 Defendants convince consumers that the process wil be "quick and easy" if) Tj /F146 12.43 Tf 0.00 -22.08 TD (25 they hire Direct Lender or LMS, PX 02 \(Bavadi\) ii 4, at 20, often by telling) Tj /F146 12.41 Tf 0.00 -21.84 TD (26 consumers that their loan modifications wil be complete within 30-90 days. PX 14) Tj /F146 12.29 Tf 0.00 -22.08 TD (27 \(Studt\) ii 3, at 280 \(six weeks\); PX 16 \(Turley\) ii 4, at 288 \(30-45 days\); PX 10 \(Ruiz\)) Tj /F147 13.28 Tf 0.00 -22.08 TD (28 ii 7, at 194 \(three months\); PX 23 \(Budich\), Att. 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AA, at 1103 \(one to three months\). In reality, Defendants) Tj /F152 13.43 Tf -1.20 -22.08 TD (2 often fail to come anywhere close to satisfying this representation. E.g., PX 14) Tj /F153 8.42 Tf 0.24 -22.32 TD (3 \(Studt\) ii 9, at 281 \(no results after nearly three months\); PX 16 \(Turley\) ii 27, at 293) Tj /F153 9.00 Tf -.24 -21.84 TD (4 \(modification denied after seven months\); PX 10 \(Ruiz\) ii 26, at 198 \(home sold in) Tj /F154 12.19 Tf 0.24 -22.08 TD (5 foreclosure after nine months\); PX 02 \(Bavadi\) ii 16, at 23 \(no results after six) Tj /F153 10.64 Tf 0.00 -22.08 TD (6 months\).) Tj /F153 9.97 Tf 0.00 -22.08 TD (7 To convince consumers they have a better chance of obtaining a loan) Tj /F153 9.21 Tf 0.24 -22.08 TD (8 modification if they hire Defendants, Direct Lender and LMS have deceptively) Tj /F154 12.18 Tf -.24 -21.84 TD (9 claimed to have special relationships with lenders and special expertise that wil) Tj /F154 12.22 Tf -5.52 -21.84 TD (10 benefit consumers. For example, an LMS representative told Luis Osorio that it) Tj /F152 13.30 Tf 0.00 -22.08 TD (11 could "pull strings" to secure him a modification with better terms than one he) Tj /F154 12.36 Tf 0.00 -22.08 TD (12 already had been offered by his lender. PX 08 \(Osorio\) ii 4, at 170. After Mr. Osorio) Tj /F154 12.20 Tf 0.00 -22.08 TD (13 paid a $2,500 up-front fee, LMS presented him with the same loan modification offer) Tj /F154 11.80 Tf 0.00 -21.84 TD (14 he previously had received. I d. iiii 1 1 - 1 2, at 172-73; see also PX 04 \(Dondi\) iiii 5, 19) Tj /F153 9.30 Tf 0.00 -22.08 TD (15 & Att. I, at 45,48,91 \(Direct Lender claimed it could work with bank managers who) Tj /F152 13.28 Tf 0.00 -22.08 TD (16 consumers could not reach by phone, but after collecting a $4,995 advance fee,) Tj /F152 13.26 Tf 0.00 -21.84 TD (17 admitted it was simply leaving messages with customer service because it did not) Tj /F154 12.11 Tf 0.00 -22.08 TD (18 have the phone number of a negotiator\); PX 13 \(Stewart\) iiii 4, 9, 13, at 249,251, 252) Tj /F152 13.28 Tf 0.00 -22.08 TD (19 \(LMS claimed it knew "all the right people" to secure a modification that would save) Tj /F154 12.04 Tf -1.20 -22.08 TD (20 her hundreds of dollars each month, but after collecting a $3,500 advance fee, LMS) Tj /F154 12.06 Tf 0.00 -22.08 TD (21 presented the consumer a loan modification offer that increased her monthly) Tj /F154 12.09 Tf 0.00 -21.84 TD (22 payments by $50\).5 Notwithstanding these and other failures, LMS states on its) Tj /F152 11.28 Tf 0.00 -22.08 TD (23) Tj /F152 12.00 Tf 0.00 -22.08 TD (24) Tj /F152 13.05 Tf 59.76 -8.16 TD (5 In many other instances, consumers have paid Defendants' up-front fee) Tj /F152 13.03 Tf -33.84 -20.64 TD (only to be told by their lenders that they do not work with third parties such as) Tj /F152 13.39 Tf -25.92 -15.12 TD (26 LMS to modify consumers' mortgages. PX 05 \(Hall\) ii 8, at 95; PX 18 \(Wells\)) Tj /F152 13.37 Tf 0.00 -22.08 TD (27 ii 12, at 441-42; PX 06 \(Luke\) ii 25, at 119-20. In other cases, lenders have told) Tj /F152 13.10 Tf 25.92 -8.16 TD (consumers they had never been contacted by Defendants. PX 10 \(Ruiz\) ii 16, at) Tj /F152 12.30 Tf 0.96 -14.88 TD (195-96.) 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Tݦ ެUViH:M&Z Mi7 VVN@:Mҥ֒M89G2_/&z}z_ҧ]~+[I[^[M~lUoo~?ӻBuKXu~{Ko_ 4vo /i~(_KKu/OWX_:Us]`0w_ҵKB B K鴢D D5 KoןGѠk___Z_i6y_Bom/_V~ _ﯫuLWV ouul%u}֓iwtZڷ[}oyŜG!L,Hqa/}{M[j aMkzkkiڭF|X`%D/ m}[b"D/b}J_}0FqV$iӶ*m$V'' ӆN8LN8Jb;تbl$LB mSA B aBa` 60 aM` 0AS@! a! &؈0 0E;DC A /"""""q$KpI$ $AؤKeH\ i/`_WZv/_OS_:0؅: %  endstream endobj 157 0 obj << /Length 3770 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im158 Do Q Q q BT 3 Tr /F159 12.01 Tf 49.92 695.76 TD (1 website that "\( w Je know how to communicate with your lender" and warns that) Tj /F159 12.36 Tf -1.20 -22.08 TD (2 "Representing Yourself Can Be Hazardous!" PX 24 \(Redding\), Att. Q, at 780.) Tj /F160 10.07 Tf 0.24 -22.32 TD (3 Defendants also often advise consumers who cannot afford Defendants' fee) Tj /F160 8.99 Tf -.24 -21.84 TD (4 that, if the consumers skip a mortgage payment, it wil improve their chances of) Tj /F161 13.28 Tf 0.24 -22.08 TD (5 receiving a loan modification or at least not hurt them because any missed payments) Tj /F159 12.48 Tf 0.00 -22.08 TD (6 would be worked in the modified loan. PX 19 \(White\) ii 10, at 494; PX 18 \(Wells\)) Tj /F161 13.39 Tf 0.00 -22.08 TD (7 ii 9, at 441; PX 13 \(Stewart\) ii 5, at 250. As a result, consumers often pay) Tj /F161 13.30 Tf 0.24 -22.08 TD (8 Defendants' fee instead of their mortgages, exacerbating their already precarious) Tj /F160 8.51 Tf -.24 -21.84 TD (9 financial situation, and complicating their relationships with their lenders.) Tj /F159 13.01 Tf -5.52 -21.84 TD (10 Defendant LM S also deceives many consumers to believe it is "certified" and) Tj /F159 12.24 Tf 0.00 -22.08 TD (11 thereby subject to some form of oversight. LMS's website tells homeowners that) Tj /F161 13.30 Tf 0.00 -22.08 TD (12 LMS is a "Proud Premier Member of The National Loss Mitigation Association) Tj /F159 12.77 Tf 0.00 -22.08 TD (13 \("TNLMA"TM\)," and that LMS is "Certified" by TNLMA as a "Loan Modification) Tj /F161 13.32 Tf 0.00 -21.84 TD (14 Specialist."6 In fact, rather than being an independent organization, TLMNA is) Tj /F159 12.20 Tf 0.00 -22.08 TD (15 substantially under the control and direction of Defendants. The organization is) Tj /F160 9.30 Tf 0.00 -22.08 TD (16 incorporated at the same address as LMS and its bank account was opened by) Tj /F159 12.11 Tf 0.00 -21.84 TD (17 Defendant Dean Shafer, the president of LMS, who also identified himself as the) Tj /F161 13.69 Tf 0.00 -22.08 TD (18 president ofTNLMA. PX 24 \(Redding\), Atts. B, P, at 685,777. TNLMA also lists) Tj /F159 12.06 Tf 0.00 -22.08 TD (19 as its president Aaron Cuha, the founder of Direct Lender, and Mr. Cuha registered) Tj /F161 13.30 Tf -1.20 -22.08 TD (20 TNLMA's URL to Synergy Capital Management Corporation, a company owned by) Tj /F159 12.79 Tf 0.00 -22.08 TD (21 him. Id., Atts. S, T, F, at 989,1044,698. Additionally, in correspondence with) Tj /F159 12.32 Tf 0.00 -21.84 TD (22 government officials, employees of TNLMA have purported to speak on behalf of) Tj /F161 11.28 Tf 0.00 -22.08 TD (23) Tj /F161 12.00 Tf 0.00 -22.08 TD (24) Tj /F161 11.52 Tf 0.00 -22.08 TD (25) Tj /F161 12.00 Tf 0.00 -21.84 TD (26) Tj /F161 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F161 13.08 Tf 59.76 95.04 TD (6 One LMS telemarketer alluded to TNLMA in his sales pitch as "a) Tj /F161 13.04 Tf -34.32 -20.64 TD (watchdog committee that's supported by the State of California and a couple other) Tj /F161 13.03 Tf 0.00 -15.12 TD (political people, and what they're doing is they're trying to keep people from) Tj /F161 13.28 Tf 0.00 -14.88 TD (preying on people like you." PX 23 \(Budich\), Att. A, at 642-43. Another LMS) Tj /F161 13.08 Tf 0.00 -15.12 TD (phone representative told an FTC investigator that LMS was "certified to work) Tj /F161 13.07 Tf 0.00 -15.36 TD (with all nationwide lenders as well as over hundred lenders who are not) Tj /F161 13.23 Tf 0.00 -14.88 TD (nationwide." PX 24 \(Redding\), Att. AA, at 1095.) 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See PX 20 \(Lockwood\) iiii 8-9 & Att. C, at 540-41,554-55.) Tj /F167 13.60 Tf 0.24 -22.32 TD (3 LMS's "certification" by TNLMA also does not protect consumers. As set) Tj /F166 13.32 Tf -.24 -21.84 TD (4 forth in Section 1 of TNLMA's bylaws and code of ethics, "\(aJll Members and their) Tj /F167 12.26 Tf 0.24 -22.08 TD (5 Representatives shall comply with all federal and state laws. . . excluding. . .) Tj /F168 8.83 Tf 0.00 -22.08 TD (6 interpretations that may be impractically and unfeasibly able to be complied with.") Tj /F167 12.51 Tf 0.00 -22.08 TD (7 PX 24 \(Redding\), Att. S, at 832 \(emphasis added\). In effect, TNLMA's "ethical") Tj /F168 8.98 Tf 0.24 -22.08 TD (8 standards permit its members to disregard inconvenient laws, such as those) Tj /F166 13.40 Tf -.24 -21.84 TD (9 prohibiting the collection of advance fees. Moreover, among other things, TNLMA) Tj /F166 13.27 Tf -5.52 -21.84 TD (10 tries to scare consumers away from attempting to modify their mortgages on their) Tj /F166 13.31 Tf 0.00 -22.08 TD (11 own, or from using free housing counselors, such as those certified by the United) Tj /F167 12.08 Tf 0.00 -22.08 TD (12 States Department of Housing and Urban Development. It has also published a) Tj /F167 12.30 Tf 0.00 -22.08 TD (13 "consumer alert" advising that "FREE Loan Modifications May Be Hazardous To) Tj /F166 13.79 Tf 0.00 -21.84 TD (14 Your Mortgage." Id., Att. S, at 803.) Tj /F167 13.15 Tf 0.00 -22.08 TD (15 To further foster an appearance of legitimacy, LMS has authored a "Credibility) Tj /F166 13.37 Tf 0.00 -22.08 TD (16 & Legitimacy Report" about itself, which it provides to prospective customers. The) Tj /F167 12.23 Tf 0.00 -21.84 TD (17 report attempts to explain away LMS's "F" rating with the Better Business Bureau) Tj /F166 13.22 Tf 0.00 -22.08 TD (1 8 \("BBB"\); includes a "corporate bio" claiming, among other things, that LMS has) Tj /F167 12.20 Tf 0.00 -22.08 TD (19 approximately 270 "Lender/Servicer Relationships"; and provides purported) Tj /F167 12.23 Tf -1.20 -22.08 TD (20 testimonials from consumers whose full names are not provided. PX 03 \(Browne\),) Tj /F166 13.54 Tf 0.00 -22.08 TD (21 Att. B, at 35-43; see also PX 16 \(Turley\) ii 23 & Att. M, at 292,370. These) Tj /F167 12.10 Tf 0.00 -21.84 TD (22 representations also are misleading. For example, although LMS claims that "\(oJne) Tj /F167 12.32 Tf 0.00 -22.08 TD (23 complaint even if handled to the BBB' s satisfaction" wil cause a loan modification) Tj /F167 12.32 Tf 0.00 -22.08 TD (24 company to be given an "F" rating, PX 03 \(Browne\), Att. B, at 37, the BBB reports) Tj /F168 9.30 Tf 0.00 -22.08 TD (25 that as of December 2008, it had received numerous complaints about LMS, and that) Tj /F167 12.10 Tf 0.00 -21.84 TD (26 the company had responded not by resolving them, but "by disputing the) Tj /F166 13.40 Tf 0.00 -22.08 TD (27 complaint\('Js allegations. . . and by generally denying refund requests," PX 24) Tj /F166 13.41 Tf 0.00 -22.08 TD (28 \(Redding\), Att. K, at 741. 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X7K_+߯?=E]]'/ axAwZ^_K[{uxAwAtOH4k}- oIG{u׷iz_%_7{u[H+kBK؄o:/:-/~/-tI!oB/zi/;_x:_/nb!_!kLWV $_V_uuu]_~i׷~H1_a{ZKŜ_k_"k :8UkOqa.W^WU[aW0JUa_M4hQMZ z}魧m+aCb3j#8&#8[ XKV*]a(`+b` %IabV/Mڧpv*v*T4);v)U4݊bWk ;bҦh5ЅLN8Jwi[a-?A0 6l& a6 `i @ M5A (   Ap@P@X `i0AB@?B"8?DDDDA" 0v" *B" b( ‚`U",!w!"")5b"")qqKJ.ү/KIK4ZP҆i$a(ᄡH 6Ai 0A DDGM):¯t__:?D endstream endobj 171 0 obj << /Length 3898 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im172 Do Q Q q BT 3 Tr /F173 13.25 Tf 49.92 695.76 TD (1 that it has relationships with 270 lenders, numerous consumers have paid Defendants') Tj /F173 13.32 Tf -1.20 -22.08 TD (2 up-front fees only to be told by their lenders that they do not work with third parties) Tj /F174 12.27 Tf 0.24 -22.32 TD (3 such as LMS or had never heard from LMS. See supra note 5. Even the "Real Life) Tj /F175 9.40 Tf -.24 -21.84 TD (4 Testimonials" section is dubious. Although LMS was incorporated on February 13,) Tj /F174 12.21 Tf 0.24 -22.08 TD (5 2008, PX 24 \(Redding\), Att. H, at 704, the section begins with a purported) Tj /F175 9.04 Tf 0.00 -22.08 TD (6 testimonial stating, "I contacted LMS in January of 2008," PX 03 \(Browne\), Att. B,) Tj /F173 15.67 Tf 0.00 -22.08 TD (7 at 42.) Tj /F175 9.85 Tf 0.24 -22.08 TD (8 Finally, Defendants create an atmosphere of pressure and urgency to encourage) Tj /F174 12.08 Tf -.24 -21.84 TD (9 consumers to pay the up-front fee. In numerous instances, Defendants') Tj /F174 11.98 Tf -5.52 -21.84 TD (10 representatives have sent consumers emails transmitting LMS' s loan modification) Tj /F173 13.27 Tf 0.00 -22.08 TD (11 application that include arbitrary deadlines and other warnings to pressure consumers) Tj /F173 13.47 Tf 0.00 -22.08 TD (12 to return the information fast. These emails have stated:) Tj /F173 10.08 Tf 0.00 -22.08 TD (13) Tj /F173 10.80 Tf 0.00 -21.84 TD (14) Tj /F173 10.32 Tf 0.00 -22.08 TD (15) Tj /F173 10.80 Tf 0.00 -22.08 TD (16) Tj /F173 10.56 Tf 0.00 -21.84 TD (17) Tj 0.00 -22.08 TD (18) Tj /F173 13.05 Tf 92.64 110.16 TD ("If the Application Process and Mitigation Process are not handled with) Tj /F175 5.00 Tf -.48 -22.08 TD (precision and a sense of ) Tj /F173 13.03 Tf 128.16 -.24 TD (urgency you could very likely lose your home.") Tj /F173 13.02 Tf -127.68 -22.08 TD ("Our Modification Department can only handle so many cases of the) Tj /F174 11.73 Tf -.48 -21.84 TD (hundreds they receive.") Tj /F173 13.13 Tf 0.48 -24.24 TD ("\(TJhey wil only take on clients that cooperate in a timely manner.") Tj /F173 13.01 Tf 0.00 -19.68 TD ("It is extremely important that this application be faxed back by the \(3\)) Tj /F173 23.02 Tf -33.12 111.36 TD (.) Tj 0.00 -44.16 TD (.) Tj 0.00 -43.92 TD (.) Tj 0.00 -22.08 TD (.) Tj /F175 10.87 Tf -59.52 -23.28 TD (1 9 day deadline to avoid cancellation of the fie.") Tj /F173 13.36 Tf -1.20 -22.08 TD (20 PX 03 \(Browne\), Att. B, at 33-34; see also PX 01 \(Anderson\), Att. C, at 14-15) Tj /F173 13.25 Tf 0.00 -22.08 TD (21 \(similar representations\); PX 22 \(Figueroa\), Att. C, at 606 \(similar representations\).7) Tj /F173 11.76 Tf 0.00 -21.84 TD (22) Tj /F173 11.28 Tf 0.00 -22.08 TD (23) Tj /F173 12.00 Tf 0.00 -22.08 TD (24) Tj /F173 11.52 Tf 0.00 -22.08 TD (25) Tj /F173 12.00 Tf 0.00 -21.84 TD (26) Tj /F173 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F173 13.08 Tf 59.52 79.92 TD (7 A phone representative told an FTC investigator that, if he did not return) Tj /F173 13.03 Tf -33.84 -20.40 TD (LMS's application worksheet under a strict but artificial deadline, he would be) Tj /F173 13.28 Tf 0.24 -15.36 TD ("disqualified." PX 22 \(Figueroa\), Att. E, at 620-21. Another phone representative) Tj /F173 13.05 Tf -.48 -14.88 TD (pressured an investigator to return the worksheet by telling her that "a lot of the) Tj /F175 5.00 Tf 0.24 -15.12 TD (Republicans in office are trying to stop a lot of ) Tj 247.44 0.00 TD (this. So, it's kind of ) Tj /F173 12.78 Tf 109.68 -.24 TD (you're) Tj /F173 13.16 Tf -357.36 -15.12 TD (working really against the time tables right now." PX 23 \(Budich\), Att. A, 640-41.) 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T ;7N 'Aڤl*j4iAwi4l. 4l*iH60e>AՓTRtzI?A4TjҴIprvehIt|hO6:MٛG9;GVNi>hIFMM6fN?WoIM߿Ai&}n)Ij/x++5Wut*kw ^z[m[nno[J{N=}>T_:CXcj(p-~ xb!-pzkt~!zt [ӯ (,{|?pc/`a&`c 7Q̯0O?Xm/I _l=zö;/-00  > <0///Vm__~/t67K ۯ ] CY !Έ7t솒y-:/:-s [^ p_iI</mSt{k^f> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im179 Do Q Q q BT 3 Tr /F180 6.24 Tf 49.92 695.76 TD (1) Tj /F180 10.56 Tf -1.20 -22.08 TD (2) Tj /F180 9.12 Tf 0.24 -22.32 TD (3) Tj /F180 11.04 Tf -.24 -21.84 TD (4) Tj /F180 9.60 Tf 0.24 -22.08 TD (5) Tj /F180 10.56 Tf 0.00 -22.08 TD (6) Tj /F180 10.08 Tf 0.00 -22.08 TD (7) Tj /F180 9.60 Tf 0.24 -22.08 TD (8) Tj /F180 10.08 Tf -.24 -21.84 TD (9) Tj /F180 10.80 Tf -5.52 -21.84 TD (10) Tj /F180 9.60 Tf 0.00 -22.08 TD (11) Tj /F180 10.56 Tf 0.00 -22.08 TD (12) Tj /F180 10.08 Tf 0.00 -22.08 TD (13) Tj /F180 13.63 Tf 126.00 264.48 TD (After Collecting the Fee, Defendants Become Difficult to) Tj /F180 13.95 Tf 0.24 -11.04 TD (Reach and Often Fail to Obtain Promised Loan Modifications) Tj /F180 11.52 Tf -33.60 10.80 TD (5.) Tj /F180 13.04 Tf -33.84 -33.12 TD (Once consumers have paid the up-front fee, they often find it difficult or) Tj /F180 13.01 Tf -34.08 -21.60 TD (impossible to reach Defendants by phone or email, and in numerous instances,) Tj /F180 13.11 Tf -.24 -22.08 TD (Defendants fail to deliver the loan modification they promised. Initially, consumers) Tj /F180 13.05 Tf -.24 -22.08 TD (receive the run-around from Defendants, who frequently ignore consumer requests) Tj /F180 12.78 Tf 0.48 -22.08 TD (for updates and fail to return calls or respond to emails. PX 06 \(Luke\) iiii 11 - 1 2, 20,) Tj /F181 11.91 Tf -.24 -21.84 TD (23, at 117,119 \(despite LMS representative's promise to provide updates every two) Tj /F180 13.04 Tf -.24 -22.32 TD (weeks, consumer found that "it became extremely difficult to reach \(the) Tj /F180 13.02 Tf 0.00 -21.84 TD (representativeJ or anybody else at LMS"\); see also PX 02 \(Bavadi\) ii 9, at 21; PX 05) Tj /F180 12.89 Tf 0.48 -24.72 TD (\(Hall\) ii 7, at 95; PX 15 \(Tully\) ii 9, at 284; PX 18 \(Wells\) iiii 11-15, at 441-43.) Tj /F180 13.03 Tf 33.84 -19.68 TD (When consumers are able to make contact, Defendants often provide cursory) Tj /F180 13.07 Tf -34.32 -21.60 TD (responses and avoid providing meaningful updates on the status of supposed) Tj /F180 13.16 Tf 0.00 -22.08 TD (negotiations. PX 05 \(Hall\) ii 7, at 95; PX 06 \(Luke\) iiii 14,18, at 117,118; PX 10) Tj /F180 10.80 Tf -24.24 -11.04 TD (14) Tj /F180 12.55 Tf 24.72 -13.68 TD (\(Ruiz\) ii 12, at 195; PX 13 \(Stewart\) iiii 11 - 1 2, at 251 -52; PX 16 \(Turley\) ii 19, at 291.) Tj /F180 10.32 Tf -24.72 -8.40 TD (15) Tj /F180 10.80 Tf 0.00 -22.08 TD (16) Tj /F180 10.56 Tf 0.00 -21.84 TD (17) Tj 0.00 -22.08 TD (18) Tj 0.00 -22.08 TD (19) Tj /F180 12.00 Tf -1.20 -22.08 TD (20) Tj /F180 10.80 Tf 0.00 -22.08 TD (21) Tj /F180 11.76 Tf 0.00 -21.84 TD (22) Tj /F180 11.28 Tf 0.00 -22.08 TD (23) Tj /F180 12.00 Tf 0.00 -22.08 TD (24) Tj /F180 11.52 Tf 0.00 -22.08 TD (25) Tj /F180 12.00 Tf 0.00 -21.84 TD (26) Tj /F180 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F180 13.03 Tf 29.04 275.28 TD (Defendants often tell consumers that negotiations are underway and proceeding) Tj /F180 13.10 Tf -2.88 -22.08 TD (smoothly, only to fail in the end to obtain the promised loan modification. PX 13) Tj /F180 12.92 Tf -.24 -24.48 TD (\(Stewart\) iiii 11-13, at 251-52; PX 16 \(Turley\) iiii 20-21, at 291-92; PX 04 \(Dondi\)) Tj /F181 11.93 Tf -.48 -22.08 TD (iiii 18- 1 9 & Att. I, at 48, 85-91. Often, consumers learn from their lenders that) Tj /F180 13.04 Tf 0.24 -19.44 TD (Defendants had not yet contacted the lenders or had only left messages or had) Tj /F180 13.05 Tf 0.48 -22.08 TD (superficial contacts. PX 05 \(Hall\) ii 8, at 95; PX 18 \(Wells\) ii 12, at 441-42.) Tj /F180 13.14 Tf 33.60 -21.84 TD (Defendants also routinely make excuses to placate consumers so they wil) Tj /F180 13.12 Tf -33.84 -22.08 TD (accept lengthy delays. For example, Defendants have blamed personnel turnover, PX) Tj /F180 12.99 Tf 0.00 -22.32 TD (05 \(Hall\) ii 7, at 95, or a flood of modification requests due to the state of the) Tj /F180 13.09 Tf 0.00 -21.84 TD (economy, PX 16 \(Turley\) ii 16, at 290. 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AA@< ` 1 `aPb@mBj  a0WD0DDDpaa  )0DA"""" DB"! 0B( 0#DDDGDDDGR5b"?KKI%,ɲH҆LWi l&`J&HbhFKL8r3fyd(` ; aBFpŁ.|) 0PƄ#"J.|)q""?A`~&pt`AU$M3UX`0XiqA%-'pzL Li6`aTI鰈L]MkpA H k:m&6MV:_ V)IVvۢ(jEk$:Z۶C[]myAB7??7^ޓkל~֟ZZ[ߥ{~o]}W޴uKZvz{^?^vz}_u5}̈Z蔭Myh"S#Fњ"ȓY QtK^H* k?-WeW_ >ps@tC̈6DlhHP@ɀCP@ baL!D?΂KKbqȼE =Y+qi.N NAPun5[F[Mލa[L&5cB.5FSK_c_F:8/4kk-AiZl$ZmBo  L*3 & .l*z]jZ.pe`MՊuwYЯi-ԛz޸9;GZCAVZ=Y;GMit'bkK'| {&n)IMoMV}M}§W^ 7׷~8Iؿ~aO}Ot ??OaH6k-/}-KZ/Ixo}-IpoKݯ!~ QzZQ@+߂,"`׆?I[WKc?zXA___^IJA___ " +AA/ނ>OiZ_I_~_+KK솒I~D^}i7ﴵ_}-~үD5ڿ_WuC]?w]utuM~w_H+_jש륜Z_an_agŭHzYĐWzD] a_juujժM ZuWWڶڭU{{vK[_a-X`⻰i6a(`a3҆+[Ұ^ UU+ 00"J`$եij #Iki\0FqVKؤتUbIh&)NتVb;Tm&'%MZbVNh4 $EST+a&VMa-8qT b+ T 4 `j a aA `>ih aA =XP0 1 a }{[Tf" ,DDD0! ! ‚`DCE""6 ` Wŝ" ̬&w E|2˝#qDqq_K&׮m/I&i6iz_m/ m//6KK+dxel/""""?妔 £c&&[/K__ "?@ endstream endobj 184 0 obj << /Length 3604 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im185 Do Q Q q BT 3 Tr /F186 13.40 Tf 49.92 695.76 TD (1 made little if any effort to contact the lender. PX 10 \(Ruiz\) iiii 12,17-18, at 195, 196;) Tj /F186 13.05 Tf -1.20 -22.08 TD (2 PX 04 \(Dondi\) iiii 18- 1 9 & Att. I, at 48, 85-91.) Tj /F187 9.78 Tf 0.24 -22.32 TD (3 Defendants also cover up their lack of action on behalf of consumers by) Tj /F188 12.31 Tf -.24 -21.84 TD (4 instructing them not to communicate with their lenders during the modification) Tj /F188 12.33 Tf 0.24 -22.08 TD (5 process. PX 08 \(Osorio\) ii 7, at 171; PX 13 \(Stewart\) ii 4, at 249-50; PX 16 \(Turley\)) Tj /F187 8.56 Tf 0.00 -22.08 TD (6 ii 17, at 291; PX 18 \(Wells\) ii 11, at 441; PX 15 \(Tully\) ii 8, at 284; PX 06 \(Luke\),) Tj /F187 8.88 Tf 0.00 -22.08 TD (7 Att. B, at 126 \("Client Responsibilities" section\). In numerous instances, Defendants) Tj /F188 12.16 Tf 0.24 -22.08 TD (8 have warned consumers that any contact with their lenders wil hinder Defendants') Tj /F186 13.24 Tf -.24 -21.84 TD (9 modification negotiations, PX 10 \(Ruiz\) ii 17, at 196; PX 13 \(Stewart\) ii 4, at 249-50,) Tj /F186 13.27 Tf -5.52 -21.84 TD (10 and have threatened to drop consumers and deny them refunds if they independently) Tj /F188 12.39 Tf 0.00 -22.08 TD (11 talk to their lenders. PX 08 \(Osorio\) ii 7, at 171. Relying on this advice, many) Tj /F188 12.21 Tf 0.00 -22.08 TD (12 consumers avoid their lenders during critical periods, including after receiving) Tj /F188 12.25 Tf 0.00 -21.84 TD (13 notices of default or foreclosure, or other important communications. E.g., PX 06) Tj /F186 13.24 Tf 0.00 -22.08 TD (14 \(Luke\) iiii 15-16, at 118; PX 10 \(Ruiz\) ii 14, at 195.) Tj /F187 10.09 Tf 0.00 -22.08 TD (15 Ultimately, after waiting many months, numerous consumers have not received) Tj /F188 12.33 Tf 0.00 -22.08 TD (16 the loan modifications they were promised. At that point, the cumulative effects of) Tj /F188 12.13 Tf 0.00 -21.84 TD (17 Defendants' misrepresentations are devastating. After losing crucial time to negotiate) Tj /F186 13.25 Tf 0.00 -22.08 TD (18 directly with their lenders, missing mortgage payments after following Defendants') Tj /F188 12.17 Tf 0.00 -22.08 TD (19 advice, and paying thousands of dollars they could il-afford on Defendants' advance) Tj /F188 12.11 Tf -1.20 -22.08 TD (20 fees, many consumers have lost their homes. PX 10 \(Ruiz\) ii 26, at 198; PX 13) Tj /F186 13.49 Tf 0.00 -22.08 TD (21 \(Stewart\) ii 17, at 253. Stil others have gone into foreclosure, ruining their credit and) Tj /F188 12.30 Tf 0.00 -21.84 TD (22 exacerbating the financial difficulties they were experiencing when they first) Tj /F188 12.44 Tf 0.00 -22.08 TD (23 contacted LMS. PX 16 \(Turley\) ii 29, at 293-94; PX 04 \(Dondi\) ii 20, at 48.) Tj /F186 12.00 Tf 0.00 -22.08 TD (24) Tj /F186 12.03 Tf 59.76 -10.80 TD (B.) Tj /F186 13.79 Tf 33.84 0.00 TD (Defendants Falsely Promise Refunds if They Do Not Obtain Loan) Tj /F186 13.56 Tf 0.00 -11.28 TD (Modifications) Tj /F186 11.52 Tf -93.60 0.00 TD (25) Tj /F188 12.98 Tf 0.00 -21.84 TD (26 To further induce consumers to pay their up-front fees, in numerous instances,) Tj /F188 12.08 Tf 0.00 -22.08 TD (27 Defendants have falsely represented that they offer a full money-back guarantee if) Tj /F188 12.44 Tf 0.00 -22.08 TD (28 they fail to obtain a loan modification. 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B, at 27,34; PX 08 \(Osorio\) ii 4, at 171; PX 19) Tj /F193 12.81 Tf -1.20 -22.08 TD (2 \(White\) ii 4, at 492-93; PX 12 \(Sciutti\) iiii 5,7 & Att. A, at 212,213,220 \(partial) Tj /F193 12.33 Tf 0.24 -22.32 TD (3 money back guarantee\); PX 23 \(Budich\), Att. A, F, at 636,667; PX 24 \(Redding\),) Tj /F194 9.27 Tf -.24 -21.84 TD (4 Att. AA, at 1100-05. Apart from being an independent misrepresentation,) Tj /F195 13.29 Tf 0.24 -22.08 TD (5 Defendants' claim of a money-back guarantee also bolsters their misrepresentation) Tj /F195 13.49 Tf 0.00 -22.08 TD (6 that they wil obtain a loan modification in all or virtually all cases. Many consumers) Tj /F194 9.44 Tf 0.00 -22.08 TD (7 reasonably conclude that Defendants would not make a money-back guarantee unless) Tj /F194 8.73 Tf 0.24 -22.08 TD (8 it was highly likely that they would succeed in obtaining a loan modification for the) Tj /F193 12.26 Tf -.24 -21.84 TD (9 consumers. In actuality, when Defendants ultimately fail to obtain the promised loan) Tj /F195 13.26 Tf -5.52 -21.84 TD (10 modification and consumers request their money back, Defendants routinely refuse to) Tj /F195 13.37 Tf 0.00 -22.08 TD (11 provide a refund. Defendants also make it difficult for consumers to request refunds) Tj /F195 13.28 Tf 0.00 -22.08 TD (12 by, for example, purporting to require such consumers to sign a release of liability) Tj /F195 13.40 Tf 0.00 -21.84 TD (13 merely to be considered. This deceptive conduct often has caused severe) Tj /F194 9.76 Tf 0.00 -22.08 TD (14 consequences for consumers.) Tj /F194 10.13 Tf 0.00 -22.08 TD (15 For example, an LMS phone representative told homeowner Israel Ruiz that) Tj /F195 13.36 Tf 0.00 -22.08 TD (16 LMS could lower his mortgage payments by $800 to $1,000. PX 10 \(Ruiz\) ii 4, at) Tj /F193 12.05 Tf 0.00 -21.84 TD (17 193. The representative requested an advance fee of $3,995, and twice told Mr. Ruiz) Tj /F195 13.26 Tf 0.00 -22.08 TD (18 that LMS would fully refund this money if it was not able to secure a modification.) Tj /F194 8.61 Tf 0.00 -22.08 TD (19 Id. iiii 5,8, at 193,194. Mr. Ruiz paid the fee. Id. ii 9, at 194. During the ensuing) Tj /F194 5.00 Tf -1.20 -22.08 TD (20 months, LMS repeatedly made excuses for its lack of ) Tj /F195 13.01 Tf 306.96 0.00 TD (progress, told Mr. Ruiz not to) Tj /F195 13.33 Tf -306.96 -22.08 TD (21 worry about making late payments because they would be resolved in the) Tj /F195 13.31 Tf 0.00 -21.84 TD (22 modification, and told him to disregard warnings and payment plan offers from his) Tj /F195 13.37 Tf 0.00 -22.08 TD (23 lender. Id. iiii 12- 14, 16, 19, at 195, 196. Six months after hiring LMS, Mr. Ruiz) Tj /F193 12.15 Tf 0.00 -22.08 TD (24 received a notice of foreclosure, but LMS representatives continued to tell him not to) Tj /F195 13.54 Tf 0.00 -22.08 TD (25 worry because LMS was working on his modification. Id. iiii 19,22, at 196,197.) Tj /F195 13.31 Tf 0.00 -21.84 TD (26 Finally, an LMS representative called Mr. Ruiz the day before the auction sale and) Tj /F195 13.29 Tf 0.00 -22.08 TD (27 told him that he could save his home only by paying $8,000 to his lender by noon the) Tj /F194 9.03 Tf 0.00 -22.08 TD (28 next day. Id. ii 25, at 198. 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P0 LDDDQB"NDG0`AG`DDDA &` ( p aa0jqR5b"""""DDDDG_._KK $ " $_00ء)/h4k`XA  ) @asAO__/K!_FBG endstream endobj 198 0 obj << /Length 3556 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im199 Do Q Q q BT 3 Tr /F200 12.31 Tf 49.92 695.76 TD (1 home was sold back to the bank the next day. Id. iiii 25-26, at 198. Mr. Ruiz) Tj /F201 5.00 Tf -1.20 -22.08 TD (2 requested a refund of ) Tj /F202 13.25 Tf 133.44 0.00 TD (the fee he had paid LMS. Id. ii 27, at 198. LMS denied the) Tj /F202 13.31 Tf -133.20 -22.32 TD (3 request in a letter, asserting that it had "produced a result where upon your lender has) Tj /F201 8.93 Tf -.24 -21.84 TD (4 offered you a loan modification." Id., Att. C, at 204. This supposed loan) Tj /F200 12.64 Tf 0.24 -22.08 TD (5 modification offer "consisted of: Contribution of $8,110 to stop sale." Id.) Tj /F201 9.75 Tf 0.00 -22.08 TD (6 Other consumers have reported similar experiences. See PX 19 \(White\) iiii 4,) Tj /F202 13.62 Tf 0.00 -22.08 TD (7 10,21-25, at 492-93,494,496-97 \(LMS told consumer it would not accept her case) Tj /F200 12.48 Tf 0.24 -22.08 TD (8 unless it could obtain a loan modification, and if it failed, LMS would provide a full) Tj /F201 8.66 Tf -.24 -21.84 TD (9 refund; but after collecting a $3,500 advance fee and failing to obtain a modification,) Tj /F202 13.36 Tf -5.52 -21.84 TD (10 LMS refused to provide a refund\); PX 14 \(Studt\) iiii 3-5,9-12, at 280-82 \(Direct) Tj /F200 12.23 Tf 0.00 -22.08 TD (11 Lender told consumer it would refund money if she did not receive loan modification,) Tj /F200 12.24 Tf 0.00 -22.08 TD (12 but after collecting $2,995 advance fee and failing to obtain loan modification, Direct) Tj /F200 12.36 Tf 0.00 -22.08 TD (13 Lender refused to provide refund\).) Tj /F200 12.92 Tf 0.00 -21.84 TD (14 LMS phone representatives also have expressly told FTC investigators that the) Tj /F200 12.07 Tf 0.00 -22.08 TD (15 company offered a money-back guarantee. For example, one LMS phone) Tj /F202 13.07 Tf 0.00 -22.08 TD (16 representative told an FTC investigator that "\( w Je have a 93 percent success rate on) Tj /F200 12.39 Tf 0.00 -21.84 TD (17 loan modifications and a full money back guarantee." PX 23 \(Budich\), Att. A, at) Tj /F200 12.33 Tf 0.00 -22.08 TD (18 636. Another telemarketer repeatedly told an FTC investigator that LMS would offer) Tj /F200 12.35 Tf 0.00 -22.08 TD (19 a "guarantee" if it accepted her application. PX 24 \(Redding\), Att. AA, at 1100,) Tj /F200 12.11 Tf -1.20 -22.08 TD (20 1102,1103, 1105 \(numerous representations, including "we do have a money-back) Tj /F200 12.02 Tf 0.00 -22.08 TD (21 guarantee," "everything is guaranteed, you know?," "the process is guaranteed," and) Tj /F200 12.17 Tf 0.00 -21.84 TD (22 after the application is approved, "we can guarantee you the modification"\).) Tj /F200 12.93 Tf 0.00 -22.08 TD (23 Defendants also make their money-back guarantee in written materials sent to) Tj /F201 9.82 Tf 0.00 -22.08 TD (24 consumers. For example, an LMS representative sent homeowner John Browne an) Tj /F202 13.12 Tf 0.00 -22.08 TD (25 email transmitting a loan modification application and stating, "\( w Je do offer a) Tj /F200 12.38 Tf 0.00 -21.84 TD (26 money back guarantee." PX 03 \(Browne\), Att. B, at 34. Another LMS representative) Tj /F200 12.25 Tf 0.00 -22.08 TD (27 sent a loan modification application to an FTC investigator, with a cover email) Tj /F200 12.01 Tf 0.00 -22.08 TD (28 stating, "\( w Je also have a money back guarantee. 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XWׯ_ kJ'aAXAxA6I}//p[0// >k/InJ'nKҭmH7u otI-://It뽼7_iޓ}K{}/I?H!nmKjvԡ;ӟOվ-t& 䇫!agAr{!ag淩n}BЧ+z'.馽 /'jToVm]/'jj0K^^;J޺꾶v %JKba+*JMWM{iWW U#8LUgmuuji6_հAЄiSIT/im a CIV+bOOb6)bm& [JP 6J ,0Ab 0'6{ jJ@aAp( b{ jڠDimV!EE` |C "@b!X0\Vwa0I  %e;DTY"" !! "!"@qEDkqEDkqhDDGK&^ת&m/I-/6izIm/ m/ A[K[Km!^_2TDDDD)A2l$̋v0gbnZؼRQ̉D#<  DA 0 `An‘0` @`  PP&l(\(P0P3 &$mB`$…t'fT`aP:o~F*Az @ksDh3juhVfRݶ艚^I||'Kkk_km-/NjZ\~_AZڿ\G4)E:R1ꈄK)"PͼQN4IY B"YK"4S">q)*_}1O P'KB"APA5  |d Nz#X98L8Q3pS…0Dp aL8QD… !Dc5j( aBh!"s5">Ɇ[4k`X-aEMޡtk B-EѬ0pnSTk "[vcL"섙mDŽ-EL0PpnѬi^H $X  AA ACY  $w aS h&Am 4H6}4m Nt-Xa`}XI6NzM~6fQ*)6i?4TRl٣EF+II?i?WI{i6fm>i?MxAk V?mS{mSAi&~+[+__X7K}ֶ-t: ^ЭЫ}_ukku}]^oX~/7N>_}=wN?'~;C_~z C-E c I~o,6!q ! ^(J0c?bn ? /߇03_?AA?ҿoA_aAH/tA I+_Am ߥ_ozwS΋KKt΋ΊkutY_~Eow_?"vս[K|_ߴVHMiV3O{Ku[&A_]vH0!L/׵L/8}׵o׵u0ҵ/8+[ +]$KԝVv i }/` %}a&$[?UmuaL0K$ڧi_V°0تJ3Ҹ`⵰Q+X` 1WLU #ثJIb ְXD(Ɠkua.L08; 1V mVKmتbM[IINm (M$Iv'%NI;b wN;TU1NㅦA] {)@l*4 mmP@P[ `jz&A  @l(Dq 1 0 `  mPaB S 0A `h m5 aBA. %C" %e;DD2"! ,B""  !0BDC  0@aA? DD00DD`A`x#""".zm/I/I/%I/\0Am/ء^kemT/ 0_DDL0M?7?IuI_%$_KIH$/*K#BHпHW_"?@ endstream endobj 205 0 obj << /Length 3574 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im206 Do Q Q q BT 3 Tr /F207 13.60 Tf 49.92 695.76 TD (1 we wil give you your money back. That guarantee is in writing." PX 23 \(Budich\),) Tj /F208 13.27 Tf -1.20 -22.08 TD (2 Att. F, at 667.) Tj /F209 9.58 Tf 0.24 -22.32 TD (3 Defendants' false representation that it offers a money-back guarantee not only) Tj /F209 5.00 Tf -.24 -21.84 TD (4 violates Section 5 of ) Tj /F207 13.05 Tf 129.60 0.00 TD (the FTC Act, 15 U.S.C. 45, it adds insult to injury for) Tj /F208 12.35 Tf -129.36 -22.08 TD (5 consumers who already are in dire straits. After failing to obtain loan modifications) Tj /F207 13.30 Tf 0.00 -22.08 TD (6 for consumers and often leaving them in a worse position than when they started,) Tj /F208 12.09 Tf 0.00 -22.08 TD (7 Defendants walk away with thousands of dollars that consumers might otherwise) Tj /F207 13.46 Tf 0.24 -22.08 TD (8 have used to get their finances back on track.) Tj /F207 10.08 Tf -.24 -21.84 TD (9) Tj /F207 10.80 Tf -5.52 -21.84 TD (10) Tj /F207 12.56 Tf 58.80 10.80 TD (C.) Tj /F207 13.84 Tf 33.60 0.24 TD (Defendants Mislead Consumers Into Believing That Defendants Are) Tj /F207 13.97 Tf 0.24 -11.28 TD (Consumers' Lender or Servicer) Tj /F209 9.75 Tf -92.64 -21.84 TD (1 1 Defendants' primary means of making initial contact with consumers - its) Tj /F207 13.30 Tf 0.00 -22.08 TD (12 direct mail solicitation - leads many consumers to believe they have received a notice) Tj /F208 12.39 Tf 0.00 -21.84 TD (13 from their mortgage lender or servicer, or a party affiliated with, working with, or) Tj /F208 12.20 Tf 0.00 -22.08 TD (14 authorized by their mortgage lender or servicer. The solicitation fails adequately to) Tj /F208 12.51 Tf 0.00 -22.08 TD (15 disclose that LMS is not affiiated with, working with, or authorized by the) Tj /F208 12.08 Tf 0.00 -22.08 TD (16 consumer's mortgage lender or servicer. Moreover, in numerous instances,) Tj /F207 13.28 Tf 0.00 -21.84 TD (17 Defendants have reinforced this deceptive claim in subsequent contacts.) Tj /F208 12.85 Tf 0.00 -22.08 TD (18 U sing property and mortgage data purchased from list vendors, Defendants) Tj /F207 13.27 Tf 0.00 -22.08 TD (19 target their direct mail solicitation at homeowners who have experienced, or are) Tj /F207 13.42 Tf -1.20 -22.08 TD (20 expected to experience, an event suggesting financial hardship. See PX 24) Tj /F207 13.43 Tf 0.00 -22.08 TD (21 \(Redding\), Att. W, at 1055-61. Homeowners have received these letters shortly) Tj /F208 12.14 Tf 0.00 -21.84 TD (22 before or after their loans reset to a higher rate, PX 04 \(Dondi\) ii 3, at 44; PX 16) Tj /F207 13.22 Tf 0.00 -22.08 TD (23 \(Turley\) ii 3, at 287; PX 13 \(Stewart\) ii 2, at 249; PX 18 \(Wells\) ii 3, at 439; PX 19) Tj /F207 13.27 Tf 0.00 -22.08 TD (24 \(White\) ii 3, at 492, shortly after falling behind on their mortgage loans, PX 13) Tj /F208 12.26 Tf 0.00 -22.08 TD (25 \(Stewart\) ii 2, at 249; PX 08 \(Osorio\) ii 3, at 171, shortly after unsuccessfully trying) Tj /F208 12.28 Tf 0.00 -21.84 TD (26 to refinance or modify a mortgage, PX 18 \(Wells\) ii 3, at 439; PX 02 \(Bavadi\) ii 2, at) Tj /F208 12.25 Tf 0.00 -22.08 TD (27 20; PX 03 \(Browne\) ii 3, at 27; PX 08 \(Osorio\) ii 3, at 171, after a job loss, PX 06) Tj /F207 13.28 Tf 0.00 -22.08 TD (28 \(Luke\) ii 3, at 115, and even after foreclosure proceedings had been instituted, PX 16) Tj /F207 10.56 Tf 246.72 -25.68 TD (22) Tj ET Q endstream endobj xref 1 2 0001471514 00000 n 0001471573 00000 n 203 7 0001471869 00000 n 0001472036 00000 n 0001524229 00000 n 0001472579 00000 n 0001472192 00000 n 0001472323 00000 n 0001472452 00000 n trailer << /Size 210 /Prev 1471183 /Root 1 0 R >> startxref 1527870 %%EOF % Page Description << /EndOffset 0001579424>> 1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [3 0 R 10 0 R 17 0 R 24 0 R 31 0 R 38 0 R 45 0 R 52 0 R 58 0 R 65 0 R 72 0 R 79 0 R 86 0 R 93 0 R 100 0 R 107 0 R 114 0 R 121 0 R 127 0 R 134 0 R 141 0 R 148 0 R 155 0 R 162 0 R 169 0 R 176 0 R 182 0 R 189 0 R 196 0 R 203 0 R 210 0 R ] /Count 31 >> endobj 210 0 obj << /Type /Page /Parent 2 0 R /Resources 211 0 R /Contents 212 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 614.40 792.00 ] >> endobj 211 0 obj << /XObject << /Im213 213 0 R>> /Font << /F214 214 0 R /F215 215 0 R /F216 216 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 214 0 obj << /Type /Font /Subtype /Type1 /Name /F214 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 215 0 obj << /Type /Font /Subtype /Type1 /Name /F215 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 216 0 obj << /Type /Font /Subtype /Type1 /Name /F216 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 213 0 obj << /Type /XObject /Subtype /Image /Name /Im213 /Width 2560 /Height 3300 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2560 /Rows 3300>> /Decode [0 1 ] /Length 45998 >> stream ֌ 7gj"*,g~W̒WxA PP)HDHE;  `r4!&EJ5 LD\!‘mP8`TE;2"A%Qp3Ba*\; &hEj `(T8&vF/ I? 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V, at 295-96,434; PX 11 \(Ruiz\) iiii 3-4 & Att. E, at 205,211.) Tj /F214 13.32 Tf -1.20 -22.08 TD (2 The solicitations arrive at consumers' homes in a window-type envelope, addressed) Tj /F215 9.25 Tf 0.24 -22.32 TD (3 so that showing through the window just above the consumer's name and address, in) Tj /F215 8.92 Tf -.24 -21.84 TD (4 bold print, is the name of the consumer's mortgage lender or servicer followed by a) Tj /F216 12.33 Tf 0.24 -22.08 TD (5 hyphen and the phrase "Loan Modification Notice." Immediately above that notation) Tj /F215 9.00 Tf 0.00 -22.08 TD (6 is what appears to be a serial number or account number. See, e.g., PX 04 \(Dondi\),) Tj /F215 8.80 Tf 0.00 -22.08 TD (7 Att. A, at 52; PX 16 \(Turley\), Atts. A, V, at 298,434; PX 10 \(Ruiz\), Att. A, at 200;) Tj /F216 12.60 Tf 0.24 -22.08 TD (8 PX 18 \(Wells\), Att. A, at 447; PX 06 \(Luke\), Att. A, at 112; PX 03 \(Browne\), Att. A,) Tj /F216 12.46 Tf -.24 -21.84 TD (9 at 31; PX 08 \(Osorio\), Att. A, at 178; PX 01 \(Anderson\), Att. A, at 6.) Tj /F216 12.99 Tf -5.52 -21.84 TD (10 Upon opening the envelope, the consumer finds a one-page notice which) Tj /F216 12.19 Tf 0.00 -22.08 TD (11 includes, at the top left, in bold lettering where a company name or logo typically) Tj /F214 13.37 Tf 0.00 -22.08 TD (12 would appear, only the generic name "Loss Mitigation Services." Immediately below) Tj /F216 12.34 Tf 0.00 -22.08 TD (13 this line, Defendants print the phrase "Original Loan Amount," followed by the) Tj /F216 12.21 Tf 0.00 -21.84 TD (14 homeowner's loan amount. Immediately below that is a purported "Customer Code.") Tj /F214 13.28 Tf 0.00 -22.08 TD (15 Below the customer code is the address block, which shows through the envelope) Tj /F215 11.48 Tf 0.00 -22.08 TD (16 window.) Tj /F216 13.28 Tf 0.00 -21.84 TD (17 At the top right of the letter, in all-capital, bold lettering, Defendants have) Tj /F214 13.50 Tf 0.00 -22.08 TD (18 printed the phrase "FINAL NOTICE" and have indicated that the notice was) Tj /F214 13.49 Tf 0.00 -22.08 TD (19 "FILED ON" a date that appears to reflect the mailing date of the solicitation. The) Tj /F214 13.31 Tf -1.20 -22.08 TD (20 top portion of a typical initial solicitation letter appears as follows \(redacted to omit) Tj /F216 12.76 Tf 0.00 -22.08 TD (21 personally-identifiable information\):) Tj /F214 11.76 Tf 0.00 -21.84 TD (22) Tj /F214 11.28 Tf 0.00 -22.08 TD (23) Tj /F214 13.79 Tf 59.76 11.04 TD (LOSS MITIGATION SERVICES) Tj /F216 12.43 Tf 0.24 -11.28 TD (Original Loan Amount: $xxx,xxx) Tj /F214 12.90 Tf 0.00 -11.04 TD (Customer Code: \(---------\)) Tj /F214 13.79 Tf 253.68 22.32 TD (FINAL NOTICE) Tj /F215 12.22 Tf 0.00 -11.04 TD (FILED ON:) Tj /F215 47.75 Tf -313.68 -22.08 TD (24 03/13/2009) Tj /F216 41.38 Tf 0.00 -22.08 TD (25 For Your Information) Tj /F214 13.14 Tf 313.92 -11.04 TD (Call \(866\) 371-7588) Tj /F215 11.97 Tf -313.92 -10.80 TD (26 \(S E R I A L N U M B E R J) Tj /F214 13.67 Tf 59.76 -11.04 TD (Re: Chase Home Finance LIe - Loan Modification Notice) Tj /F215 13.70 Tf -59.76 -11.04 TD (27 \(Consumer's NameJ) Tj /F215 9.64 Tf 60.48 -13.44 TD (\(Consumer's AddressJ) Tj /F214 11.76 Tf -60.48 -8.64 TD (28) Tj /F214 10.32 Tf 246.72 -25.68 TD (23) Tj ET Q endstream endobj xref 1 2 0001528201 00000 n 0001528260 00000 n 210 7 0001528564 00000 n 0001528731 00000 n 0001575585 00000 n 0001529274 00000 n 0001528887 00000 n 0001529018 00000 n 0001529145 00000 n trailer << /Size 217 /Prev 1527870 /Root 1 0 R >> startxref 1579142 %%EOF % Page Description << /EndOffset 0001638052>> 1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [3 0 R 10 0 R 17 0 R 24 0 R 31 0 R 38 0 R 45 0 R 52 0 R 58 0 R 65 0 R 72 0 R 79 0 R 86 0 R 93 0 R 100 0 R 107 0 R 114 0 R 121 0 R 127 0 R 134 0 R 141 0 R 148 0 R 155 0 R 162 0 R 169 0 R 176 0 R 182 0 R 189 0 R 196 0 R 203 0 R 210 0 R 217 0 R ] /Count 32 >> endobj 217 0 obj << /Type /Page /Parent 2 0 R /Resources 218 0 R /Contents 219 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 614.40 792.00 ] >> endobj 218 0 obj << /XObject << /Im220 220 0 R>> /Font << /F221 221 0 R /F222 222 0 R /F223 223 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 221 0 obj << /Type /Font /Subtype /Type1 /Name /F221 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 222 0 obj << /Type /Font /Subtype /Type1 /Name /F222 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 223 0 obj << /Type /Font /Subtype /Type1 /Name /F223 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 220 0 obj << /Type /XObject /Subtype /Image /Name /Im220 /Width 2560 /Height 3300 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2560 /Rows 3300>> /Decode [0 1 ] /Length 53269 >> stream ֌ 7/; nZeqlɒ;Dk;"cpw`> ڝHv+) SP` F\apN"D 0\R  0X†uM(MA`AQ4:Ӵ5a A C>%AB )>'va*kXi&d:oId0(H6M4 ARJ ڽha*Ml5j4I Nݶ艚Kd:/;tinطeZ:+;! 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T $ AkOՊتVMwcGNfmUoI6ԝrv'!*)6NՓTR~kn6߯_zx&~+_xڧ&kޯC]&[^OnV^-o_v]]:Oao_zHK[ Rõ/QC>o&|./;_,6! I["֯0L>X c̣0}RA__? }A~_֟}oAK[7_ I~i7a/΋΋K7Et_ᾖ~A%IW~"RtC_V ;_k_I4OoKտoA_ҽH)/o(zqfJ׵08{[\Z^i6_uvmjV=&%/mmW _[ $MWM{iWga-m-V/[WtZנW UAlV 3WVzlSa-{a,0(i6j_SJ 'i &NتbЄvRvCI7T6MbH1^ B B0!WMAX `0 @0A a qAA{ j  05AQA@B6M a \0m$LaDEC "Cb"! !:0_YsDE aDD0 a>""5㈎.""58i}$__޽w_$^m/KixAixAm/m/*J]@_DDDGL Ms_VKII/_$H2HH_Я# endstream endobj 219 0 obj << /Length 3567 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im220 Do Q Q q BT 3 Tr /F221 13.32 Tf 49.92 695.76 TD (1 PX 16 \(Turley\), Att. V, at 434; see also PX 10 \(Ruiz\), Att. A, at 200; PX 18 \(Wells\),) Tj /F222 8.97 Tf -1.20 -22.08 TD (2 Att. A, at 447; PX 06 \(Luke\), Att. A, at 122; PX 03 \(Browne\), Att. A, at 31; PX 08) Tj /F222 8.81 Tf 0.24 -22.32 TD (3 \(Osorio\), Att. A, at 178; PX 01 \(Anderson\), Att. A, at 6.) Tj /F223 13.05 Tf -.24 -21.84 TD (4 The body of the solicitation letter has not materially changed since Defendants) Tj /F223 12.40 Tf 0.24 -22.08 TD (5 began marketing in early 2008. Compare PX 04 \(Dondi\), Att. A, at 52, with PX 16) Tj /F222 8.70 Tf 0.00 -22.08 TD (6 \(Turley\), Att. V, at 434. It begins by instructing consumers to "\(pJlease contact us) Tj /F222 9.23 Tf 0.00 -22.08 TD (7 today regarding your existing mortgage. Our records indicate that you may be) Tj /F222 9.15 Tf 0.24 -22.08 TD (8 eligible for a loan modification which could include a rate reduction and loan) Tj /F223 12.62 Tf -.24 -21.84 TD (9 amount reduction on your existing loan." PX 16 \(Turley\), Att. V, at 434 \(emphasis) Tj /F222 8.71 Tf -5.52 -21.84 TD (10 in original\). The letter instructs homeowners to call a toll-free number, and advises) Tj /F223 12.14 Tf 0.00 -22.08 TD (11 consumers that "\(tJhis offer is good until" a date typically approximately three weeks) Tj /F223 12.84 Tf 0.00 -22.08 TD (12 after mailing, and "\(n\)o other notices wil be issued and no representatives wil) Tj /F221 13.34 Tf 0.00 -22.08 TD (13 call you." Id. \(emphasis in original\). The letter further represents that "\( 0 Jur loan) Tj /F221 13.26 Tf 0.00 -21.84 TD (14 modification team has searched existing records to make you this comparison offer as) Tj /F221 13.31 Tf 0.00 -22.08 TD (15 it relates to your existing loan," id., although no "comparison offer" actually appears) Tj /F221 13.08 Tf 0.00 -22.08 TD (16 in the letter. The letter also advises consumers that "\( t Jhis offer to negotiate your) Tj /F223 12.49 Tf 0.00 -21.84 TD (17 mortgage could save you thousands of dollars," and that "\(a\) Senior Loan) Tj /F221 13.79 Tf 0.00 -22.08 TD (18 Modification Specialist is waiting to assist you." Id. \(emphasis in original\).) Tj /F221 14.37 Tf 0.00 -22.08 TD (19 At the bottom of the page, in a large but generic font, Defendants again print) Tj /F223 12.61 Tf -1.20 -22.08 TD (20 their name, "Loss Mitigation Services." Id. Below that, in approximately 8-point) Tj /F221 13.28 Tf 0.00 -22.08 TD (21 font, smaller than any other text in the letter, Defendants include several disclaimers,) Tj /F223 12.49 Tf 0.00 -21.84 TD (22 stating, "Loss Mitigation Services, Inc. is a California Corporation. This information) Tj /F223 12.26 Tf 0.00 -22.08 TD (23 was obtained thru \(sicJ public record. We are not an affiiate of, nor endorsed by, nor) Tj /F223 12.67 Tf 0.00 -22.08 TD (24 associated with your lender." Id.) Tj /F223 13.13 Tf 0.00 -22.08 TD (25 Numerous consumers report having believed that LMS was their lender or) Tj /F223 12.29 Tf 0.00 -21.84 TD (26 servicer or was somehow affiiated with their lender or servicer. See, e.g., PX 16) Tj /F221 13.19 Tf 0.00 -22.08 TD (27 \(Turley\) iiii 3-4, at 287-88; PX 10 \(Ruiz\) ii 2, at 193; PX 02 \(Bavadi\) ii 3, at 20; PX) Tj /F223 12.30 Tf 0.00 -22.08 TD (28 08 \(Osorio\) ii 2, at 170; PX 01 \(Anderson\) ii 3, at 1. 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AT&A n 82M  *`E4l*za TAaSH: ~ SA&*$cAVNQL&3hIlEFٛEE+I6V6?RlѠh탥|/GIt{z?j?Rmrvԝ+_7~6oxzxIޞ6xxI(?^v(AvTprHƘ8?DᯰO@-լ9HZoR6/z]տ_T:I_NE:>Er!JjGJF/!>"3YE:솏>|">DEQ"yPZ\!DD""5M>|GFt}d@t}_A  L P@I"k@pCA3A<QCKCQk-/c/*__K-_K^`?0`an0,0>\?0O0?տ/f ~^xA_AwuAXa}K__ [KK7_w_at^t_z_΋΋o!-_ߝY %_Xo΋:+_~Vmv&jk-Jﺺu/_TJ׵08'_[_+\6}q}[]¿Ju[f&%/mmW` _aZm0 UjUmX`a+U$]j a_u $A&+bX Vi]1Z0&*Պb+a[`"XKV)*%am+#8Ibm+IՊ]B!:n81TPbIU4ӸTa<0$NتiSjlU18;LU*RvN8MIlUCIwNJt؜pMx L D a  ڊh1 aA6 `j@bA! m06@ `j  T0 l „aU ` BG0A  !aA!aB!`, dADGaADA ;DAA""$6 0"X`" ‚""""""""DDDDq.I/4 i?D`__8i@K:_K:__V? KoKI_/ 7KA[_W_մiI_/ȔCPMpG7 OUt8ǯkKW_jЪW_ȔB0O4la N7?]km/:MMXGwoJI+Ko"_H+ЫK_հAKL k:yd_???oOO/JH_ФK f/ endstream endobj 226 0 obj << /Length 3283 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im227 Do Q Q q BT 3 Tr /F228 12.22 Tf 49.92 695.76 TD (1 deceptive claim in subsequent contacts. Consumers' first live contact with) Tj /F228 12.09 Tf -1.20 -22.08 TD (2 Defendants generally occurs upon calling Defendants' toll free number in response to) Tj /F229 8.86 Tf 0.24 -22.32 TD (3 a direct mail solicitation. Such consumers are greeted by telephone representatives) Tj /F228 12.58 Tf -.24 -21.84 TD (4 who answer the phone, "Modification Department. . .. \(cJan I help you?" PX 23) Tj /F229 8.89 Tf 0.24 -22.08 TD (5 \(Budich\), Att. A, at 632; PX 22 \(Figueroa\), Att. A, at 588, or by a recorded message) Tj /F229 8.96 Tf 0.00 -22.08 TD (6 stating, "\(y Jou are now connected to the Loss Mitigation Servicing Department,") Tj /F229 9.24 Tf 0.00 -22.08 TD (7 followed by a telephone representative who answers, "Loss Mitigation," PX 24) Tj /F229 9.17 Tf 0.24 -22.08 TD (8 \(Redding\), Att. AA, at 1089. In subsequent calls to consumers, telephone) Tj /F229 8.92 Tf -.24 -21.84 TD (9 representatives identify themselves as being "with the loan modification department.") Tj /F228 12.49 Tf -5.52 -21.84 TD (10 PX 22 \(Figueroa\), Att. E, at 619.) Tj /F230 14.45 Tf 0.00 -22.08 TD (11 In some instances, LMS representatives have obfuscated in response to) Tj /F228 12.25 Tf 0.00 -22.08 TD (12 consumers' direct inquiry about LMS' s relationship with their lenders. For example,) Tj /F228 11.95 Tf 0.00 -22.08 TD (13 when homeowner Greg Anderson asked an LMS representative about the company's) Tj /F230 13.28 Tf 0.00 -21.84 TD (14 relationship with his lender, Countrywide, the representative told him that LMS and) Tj /F230 13.33 Tf 0.00 -22.08 TD (15 Countrywide "worked together," which strengthened his belief that LMS was) Tj /F229 5.00 Tf 0.00 -22.08 TD (16 affiiated with Countrywide. PX 01 \(Anderson\) ii 5, at 1. In the case of ) Tj /F230 12.97 Tf 403.44 0.00 TD (homeowner) Tj /F230 13.28 Tf -403.44 -21.84 TD (17 Deborah Bavadi, LMS's obfuscation was so effective that she did not realize the) Tj /F228 12.34 Tf 0.00 -22.08 TD (18 company was distinct from and unaffiiated with her lender, IndyMac, until seven) Tj /F228 11.99 Tf 0.00 -22.08 TD (19 months after she first contacted LMS, and only after she was so advised in connection) Tj /F230 13.35 Tf -1.20 -22.08 TD (20 with submitting a declaration in this matter. See PX 02 \(Bavadi\) ii 3, at 20.) Tj /F228 12.94 Tf 0.00 -22.08 TD (21 These deceptive representations often are the first thing to draw consumers') Tj /F230 13.40 Tf 0.00 -21.84 TD (22 attention to LMS. Consumers' impression that they have received a notice from their) Tj /F228 12.40 Tf 0.00 -22.08 TD (23 mortgage lender or servicer, or a party affiiated with, working with, or authorized by) Tj /F230 13.31 Tf 0.00 -22.08 TD (24 their mortgage lender or servicer, causes them to pick up the phone and call the) Tj /F230 13.41 Tf 0.00 -22.08 TD (25 Defendants' toll-free number. 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Tg Mj & LdA癩Һpt{>PQ'hYӮNMTRm'\h ?j?Rm'W¦Z:?tI7P⵽+]&6&{[zZ{]jB_p*o-O?ӯӫ^%zޟ)__~_/_/!q %0E X?Xc. H //aA__uH[AA~ۯK7m//m/K76EEz_?vC[lB/賢iuV'! ?[?ڶV^u_Ww]uQi Wں߮~qަ_ZZVkkk\AKWVkկj{ `kj{ VKn{U` TL08;R #W \0FqZD(VXD-a3m-X(`☫F0FqW VbQTN8VU*IMSpتN؜pI47bqbSMh&*[LU&Rv;0…#P8 an+j0„8A (MP@b@ 5MڄT0AaW  A DDQP""PA" !aAa D! DDDD@VDE#V#"/_$$HiCI/0AG $h4@  i0 / 74tKKP7iUK_' _+u#BzZV_/ endstream endobj 233 0 obj << /Length 3973 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im234 Do Q Q q BT 3 Tr /F235 13.27 Tf 49.92 695.76 TD (1 for Defendants to make other misrepresentations that cause consumers to pay the) Tj /F236 9.73 Tf -1.20 -22.08 TD (2 advance fee.8) Tj /F236 12.80 Tf 0.24 -22.32 TD (3 V.) Tj /F236 13.57 Tf 53.04 0.24 TD (LEGAL ANALYSIS) Tj /F236 9.91 Tf -53.28 -22.08 TD (4 To stop Defendants' ongoing deceptive marketing of their loan modification) Tj /F236 8.84 Tf 0.24 -22.08 TD (5 services, the FTC respectfully requests that the Court issue a TRO enjoining future) Tj /F236 8.78 Tf 0.00 -22.08 TD (6 misrepresentations; prohibiting the collection of advance fees until promised services) Tj /F236 9.08 Tf 0.00 -22.08 TD (7 are performed; preserving assets and documents; requiring a prompt reporting of) Tj /F235 13.34 Tf 0.24 -22.08 TD (8 customers and status; requiring an accounting of Defendants' finances and scope of) Tj /F236 9.15 Tf -.24 -21.84 TD (9 their operations; and ordering Defendants to show cause why a preliminary) Tj /F235 13.38 Tf -5.52 -21.84 TD (10 injunction should not be entered. The requested relief, which the Court is authorized) Tj /F236 9.04 Tf 0.00 -22.08 TD (lIto grant under Section 13\(b\) of the FTC Act, is warranted because the FTC is likely) Tj /F235 13.27 Tf 0.00 -22.08 TD (12 to succeed on the merits and because irreparable injury to consumers and to the) Tj /F237 12.54 Tf 0.00 -22.08 TD (13 Court's ability to provide effective final relief to consumers is likely to result if) Tj /F237 11.93 Tf 0.00 -21.84 TD (14 Defendants' misrepresentations and their receipt of advance fees is not enjoined,) Tj /F235 13.27 Tf 0.00 -22.08 TD (15 assets and documents are not preserved, and Defendants' customers are not informed) Tj /F237 13.02 Tf 0.00 -22.08 TD (16 of this action.) Tj /F235 10.56 Tf 0.00 -21.84 TD (17) Tj /F235 14.04 Tf 92.64 0.00 TD (The Court is Authorized to Grant the Requested Relief) Tj /F235 12.35 Tf -34.32 0.00 TD (A.) Tj /F237 13.08 Tf -58.32 -22.08 TD (18 Section 13\(b\) of the FTC Act authorizes the FTC to seek, and the Court to) Tj /F237 12.20 Tf 0.00 -22.08 TD (19 issue, temporary, preliminary, and permanent injunctions. The second proviso of) Tj /F235 13.31 Tf -1.20 -22.08 TD (20 Section 13\(b\) states that "in proper cases the Commission may seek, and after proper) Tj /F235 10.80 Tf 0.00 -22.08 TD (21) Tj /F235 11.76 Tf 0.00 -21.84 TD (22) Tj /F235 11.28 Tf 0.00 -22.08 TD (23) Tj /F235 12.00 Tf 0.00 -22.08 TD (24) Tj /F235 11.52 Tf 0.00 -22.08 TD (25) Tj /F235 12.00 Tf 0.00 -21.84 TD (26) Tj /F235 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F235 13.06 Tf 60.00 140.64 TD (8 In some instances, consumers who initiated contact with LMS believing it) Tj /F235 13.17 Tf -34.32 -20.64 TD (to be affiiated with their lender were, in fact, told after inquiring of the phone) Tj /F235 13.23 Tf -.24 -15.12 TD (representative, that LMS was not affiiated with their lender. PX 13 \(Stewart\) ii 4,) Tj /F235 13.10 Tf 0.48 -15.12 TD (at 170; PX 08 \(Osorio\) ii 4, at 249. In each case, however, the representative made) Tj /F235 13.14 Tf -.24 -15.12 TD (the most ofLMS's deceptive door opener, and secured an advance fee from the) Tj /F237 11.90 Tf 0.24 -15.36 TD (consumer after making other misrepresentations. PX 13 \(Stewart\) iiii 4, 9, at 249,) Tj /F235 12.98 Tf -.24 -14.88 TD (25 1 \(consumer paid fee after being told LMS "knew the right people" and had) Tj /F237 12.09 Tf 0.24 -15.36 TD ("successfully obtained loan modifications for many people"\); PX 08 \(Osorio\) iiii 4,) Tj /F235 12.96 Tf 0.24 -15.12 TD (8, at 1 70-72 \(consumer paid fee after being told LMS had been "very successful,") Tj /F235 13.03 Tf -.24 -15.12 TD (could "pull strings," and offered a money-back guarantee\).) 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DDDQ a(!`_Di#V""""""""""D&I-/MJ_/ 2f0@""?F L$æC'fD2vI";4dDvTʴPR4vC2?ؓ;:_aBPPPBo}\/ [7&Pϰ8ge@4ۦ4kH ᠨ{ _oN:!!:'qW&N˝]:d>6]_]z_4Wk~A~%V+ɄB",ENq)PS)_,Y)T) WJuE:%@)G+ׅ0D bD4Cj  ' |dC0f.H t"i AaC@ǒa"AB-(M0vca* Ѭ` ao4l0 .o Q0UN-EPTk =|'[j atl*3A 82H:.l*iH6$] ޞ ,Pe¦AM.l*}.A6 BAIߕm3h ?Rm'I(he rvMx=Y;GuҼ'I7OӯׯM >l:&+p{z_^o/_nt~8a> t}%o?C>_n_m Gﵨ_?_߈T _!{ 00ccc۠EEaonbXK~__A~_ K  ?C]/_$/ oK/Eiῤ:+~~[EtVC_]Z_I_Vmm/3Ol%MuWw_:u[a{Z^aiv^k[ߚ\AK0K$ UmnUZ[W] _uwL0I:ޫj0ubثua+*!{a-*``⻆*Ҷ*MKb m vCgXKm-ni4تbqV)[I;bWb*XaئV)S0+i'il4SLRw /l 6aB )j @b@ tmP@( l&@9V)A B a8bi! qUa0 AS‚q`BB"" !e`(0B!"NՅDDDDqqKOUm$@&KmI/6_A ) O/r?tu_WU_ZU%ү/W  K_? endstream endobj 240 0 obj << /Length 4281 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im241 Do Q Q q BT 3 Tr /F242 8.81 Tf 49.92 695.76 TD (1 proof, the court may issue, a permanent injunction" against violations of "any) Tj /F242 5.00 Tf -1.20 -22.08 TD (2 provision of ) Tj /F243 12.03 Tf 86.40 0.00 TD (law enforced by the 鶹ý Trade Commission." 15 U.S.c. 53\(b\).9) Tj /F244 13.31 Tf -86.16 -22.32 TD (3 The Ninth Circuit has recognized that any case alleging violations of a law enforced) Tj /F244 13.42 Tf -.24 -21.84 TD (4 by the FTC constitutes a proper case for which injunctive relief may be sought. FTC) Tj /F242 9.10 Tf 0.24 -22.08 TD (5 v. Evans Prods. Co., 775 F.2d 1084, 1086-87 \(9th Cir. 1985\); H.N. Singer, 668 F.2d) Tj /F243 12.23 Tf 0.00 -22.08 TD (6 at 1111-13. Moreover, Section 13\(b\) preserves the Court's inherent authority not) Tj /F244 13.44 Tf 0.00 -22.08 TD (7 only to order permanent relief, restitution, and disgorgement of il-gotten gains but) Tj /F242 8.79 Tf 0.24 -22.08 TD (8 also to grant ancilary and preliminary equitable relief, including temporary orders) Tj /F243 12.20 Tf -.24 -21.84 TD (9 imposing asset freezes and issuing other relief. FTC v. World Wide Factors, Ltd.,) Tj /F243 12.17 Tf -5.52 -21.84 TD (10 882 F.2d 344, 346-47 \(9th Cir. 1989\); H.N. Singer, 668 F.2d at 1113 \(finding that the) Tj /F244 13.20 Tf 0.00 -22.08 TD (1 1 district court is authorized to order an asset freeze and rescission in a case brought) Tj /F243 12.20 Tf 0.00 -22.08 TD (12 under 13\(b\)\).10) Tj /F243 13.05 Tf 0.00 -22.08 TD (13 Here, where the public interest is at stake, exercise of the Court's broad) Tj /F243 12.31 Tf 0.00 -21.84 TD (14 equitable authority is particularly appropriate. United States v. Laerdal Mfg. Corp.,) Tj /F243 12.42 Tf 0.00 -22.08 TD (15 73 F.3d 852,857 \(9th Cir. 1995\); FTC v. Pantron I Corp., 33 F.3d 1088,1102 \(9th) Tj /F244 13.39 Tf 0.00 -22.08 TD (16 Cir. 1994\); World Wide Factors, 882 F.2d at 347. The Ninth Circuit has held that a) Tj /F244 10.56 Tf 0.00 -21.84 TD (17) Tj /F244 13.12 Tf 58.32 -14.88 TD (9 See also FTC v. Gem Merch. Corp., 87 F .3d 466, 468 \(lIth Cir. 1996\)) Tj /F244 12.93 Tf -33.60 -23.04 TD (\("Section 1 3\(b\) of the 鶹ý Trade Commission Act authorizes the FTC to seek,) Tj /F244 13.03 Tf 0.00 -12.48 TD (and the district courts to grant, preliminary and permanent injunctions against) Tj /F243 12.26 Tf -25.92 -15.84 TD (20 practices that violate any of the laws enforced by the Commission"\). The FTC is) Tj /F244 13.06 Tf 25.44 -14.40 TD (not proceeding under the first proviso of 13\(b\), which allows the Court to issue) Tj /F243 12.10 Tf 0.24 -15.36 TD (temporary relief in aid of an administrative action brought by the FTC. Therefore,) Tj /F244 13.04 Tf 0.00 -15.12 TD (the procedural and notice requirements of the first proviso do not apply to this) Tj /F243 11.86 Tf 0.24 -15.36 TD (case. FTC v. H.N. Singer, Inc., 668 F .2d 1107, 1111 \(9th Cir. 1982\); see also FTC) Tj /F244 13.47 Tf -.24 -15.12 TD (v. Us. Oil & Gas Corp., 748 F.2d 1431, 1434 \(lIth Cir. 1984\).) Tj /F244 10.56 Tf -24.48 119.52 TD (18) Tj 0.00 -22.08 TD (19) Tj /F244 10.80 Tf -1.20 -44.16 TD (21) Tj /F244 11.76 Tf 0.00 -21.84 TD (22) Tj /F244 11.28 Tf 0.00 -22.08 TD (23) Tj /F244 12.00 Tf 0.00 -22.08 TD (24) Tj /F244 12.98 Tf 60.48 -8.16 TD (10 See also Gem Merch. Corp., 87 F.3d at 468-70 \(finding that district court) Tj /F242 5.00 Tf -35.04 -20.40 TD (may award consumer redress under Section 13 ) Tj /F244 12.86 Tf 244.32 -2.64 TD (\(b\)\); FTC v. Sec. Rare Coin &) Tj /F244 13.49 Tf -269.76 -12.72 TD (26 Bullon Corp., 931 F.2d 1312, 1314-16 \(8th Cir. 1991\) \(upholding the district) Tj /F244 13.06 Tf 25.92 -15.12 TD (court's rescission remedy\); FTC v. Southwest Sunsites, Inc., 665 F.2d 711,718 \(5th) Tj /F244 13.05 Tf 0.00 -15.12 TD (Cir. 1982\) \(stating that court is authorized to "exercise the full range of equitable) Tj /F243 12.23 Tf -25.92 -13.92 TD (28 remedies traditionally available to it" in Section 13 \(b\) actions\).) 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Sr5U]R $wm}$t]T]%oMXwA D5/H+uЫKcV_ W^qy qa/vߴX`_MؤTm ZdDa}/& 7[O#CMI&I_T_"BKiHП6m// D endstream endobj 247 0 obj << /Length 3743 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im248 Do Q Q q BT 3 Tr /F249 12.06 Tf 49.92 695.76 TD (1 court may exercise the full breadth of its equitable authority in a Section 1 3\(b\) action) Tj /F249 12.14 Tf -1.20 -22.08 TD (2 because Congress "did not limit that traditional equitable power" when enacting the) Tj /F250 13.50 Tf 0.24 -22.32 TD (3 FTC Act. H.N. Singer, 668 F.2d at 1113. Thus, the Court has latitude to issue the) Tj /F250 13.32 Tf -.24 -21.84 TD (4 full range of equitable relief, including an order to freeze assets and a TRO enjoining) Tj /F251 8.88 Tf 0.24 -22.08 TD (5 deceptive practices and allowing expedited discovery. See, e.g., id. at 1113-14; Us.) Tj /F251 9.48 Tf 0.00 -22.08 TD (6 Oil & Gas, 748 F.2d at 1432; FTCv. Gil, 183 F. Supp. 2d 1171,1175-77 \(C.D. Cal.) Tj /F251 8.97 Tf 0.00 -22.08 TD (7 2001\); see also S. Rep. No. 103-130, at 15-16 \(l993\), as reprinted in 1994) Tj /F251 5.00 Tf 0.24 -22.08 TD (8 U.S.C.C.A.N. 1776,1790-91 \("Section 13 of ) Tj /F250 13.24 Tf 257.76 0.24 TD (the FTC Act authorizes the FTC to fie) Tj /F249 12.35 Tf -258.00 -22.08 TD (9 suit to enjoin any violation of the FTC \(ActJ. The FTC can go into court ex parte to) Tj /F250 13.29 Tf -5.52 -21.84 TD (10 obtain an order freezing assets, and is also able to obtain consumer redress."\).) Tj /F250 13.28 Tf 0.00 -22.08 TD (11 Finally, district courts are authorized to depart from normal discovery procedures and) Tj /F250 13.37 Tf 0.00 -22.08 TD (12 to fashion discovery by order to meet needs in particular cases. Fed. R. Civ. P. 1,) Tj /F249 12.36 Tf 0.00 -22.08 TD (13 26\(b \)\(2\), 30\(a\), 34\(b\).) Tj /F250 10.80 Tf 0.00 -21.84 TD (14) Tj /F250 12.03 Tf 92.40 -11.04 TD (B.) Tj /F250 14.09 Tf 34.08 0.00 TD (The FTC Has Met the Standard for Issuance of a Temporary) Tj /F250 14.28 Tf -.24 -11.04 TD (Restraining Order) Tj /F250 10.32 Tf -126.24 0.00 TD (15) Tj /F249 13.08 Tf 0.00 -22.08 TD (16 To determine whether to grant a temporary or preliminary injunction in a case) Tj /F251 5.00 Tf 0.00 -21.84 TD (17 pursuant to Section 13\(b\) of ) Tj /F250 13.03 Tf 174.72 0.00 TD (the FTC Act, the Court must consider the Plaintiff's) Tj /F251 5.00 Tf -174.72 -22.08 TD (18 likelihood of ) Tj /F250 13.10 Tf 95.52 -.24 TD (success on the merits and weigh the equities. World Wide Factors, 882) Tj /F249 12.21 Tf -95.52 -21.84 TD (19 F.2d at 346; see also FTC v. Arlington Press, Inc., No. 98CV9260, 1999 WL) Tj /F250 13.30 Tf -1.20 -22.08 TD (20 33562452, at *8 \(C.D. Cal. Jan. 18, 1999\); FTC v. Sage Seminars, Inc., No. 95-2854,) Tj /F249 12.63 Tf 0.00 -22.08 TD (21 1995 WL 798938, at *2 \(N.D. Cal. Nov. 2,1995\). Unlike private litigants, the) Tj /F249 12.33 Tf 0.00 -21.84 TD (22 government need not show irreparable injury.ll World Wide Factors, 882 F.2d at) Tj /F250 13.32 Tf 0.00 -22.08 TD (23 347; United States v. Odessa Union Warehouse Co-op, 833 F.2d 172, 175 \(9th Cir.) Tj /F250 12.00 Tf 0.00 -22.08 TD (24) Tj /F250 11.52 Tf 0.00 -22.08 TD (25) Tj /F250 12.93 Tf 60.24 -1.20 TD (11 While not a necessary element, irreparable injury is likely in this case in) Tj /F251 9.37 Tf -60.24 -20.64 TD (26 the absence of a TRO. Defendants' conduct is ongoing, and as demonstrated by) Tj /F250 13.04 Tf 25.68 -14.88 TD (the evidence, has caused numerous consumers to suffer devastating financial) Tj /F250 13.16 Tf 0.24 -15.36 TD (consequences, up to and including losing their homes in foreclosure. See supra) Tj /F250 12.96 Tf -.24 -14.88 TD (Part iV.) 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(i A-2S"@hѹ:MIZ60/+*_ /-HВ   endstream endobj 254 0 obj << /Length 3652 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im255 Do Q Q q BT 3 Tr /F256 12.42 Tf 49.92 695.76 TD (1 1987\) \("No specific or immediate showing of the precise way in which violation of) Tj /F257 13.57 Tf -1.20 -22.08 TD (2 the law wil result in public harm is required."\). Because irreparable injury is) Tj /F256 12.18 Tf 0.24 -22.32 TD (3 presumed in statutory enforcement actions, "the district court need only. . . find some) Tj /F256 12.17 Tf -.24 -21.84 TD (4 chance of probable success on the merits" to grant an injunction. World Wide) Tj /F258 9.13 Tf 0.24 -22.08 TD (5 Factors, 882 F.2d at 347 \(quoting Odessa Union, 833 F.2d at 176\). In balancing the) Tj /F258 8.50 Tf 0.00 -22.08 TD (6 equities, the public interest should receive greater weight, particularly where, as here,) Tj /F257 13.36 Tf 0.00 -22.08 TD (7 the evidence demonstrates that Defendants are engaged in deceptive practices. Id.) Tj /F257 13.31 Tf 0.24 -22.08 TD (8 As set forth below, a TRO should issue in this case because the FTC is likely to) Tj /F258 9.15 Tf -.24 -21.84 TD (9 succeed in proving Defendants are violating the FTC Act and wil continue to do so) Tj /F256 11.98 Tf -5.52 -21.84 TD (10 absent court intervention, and because the public interest favors entry of the) Tj /F257 13.52 Tf 0.00 -22.08 TD (1 1 requested Order.) Tj /F257 10.56 Tf 0.00 -22.08 TD (12) Tj /F257 10.88 Tf 126.96 -.24 TD (1.) Tj /F257 13.71 Tf 33.36 0.24 TD (The FTC is Likely to Succeed on the Merits) Tj /F256 12.94 Tf -160.32 -21.84 TD (13 As described above and evidenced in the exhibits to this memorandum, the) Tj /F257 13.27 Tf 0.00 -22.08 TD (14 FTC is likely to succeed in establishing that Defendants are violating Section 5 of the) Tj /F257 13.40 Tf 0.00 -22.08 TD (15 FTC Act. Section 5 prohibits "unfair or deceptive acts or practices in or affecting) Tj /F257 13.66 Tf 0.00 -22.08 TD (16 commerce." 15 U.S.c. 45\(a\)\(l\). Section 5 condemns as deceptive any material) Tj /F257 13.27 Tf 0.00 -21.84 TD (17 representation or omission that would likely mislead consumers acting reasonably) Tj /F256 12.48 Tf 0.00 -22.08 TD (18 under the circumstances. FTC v. Gil, 265 F.3d 944,950 \(9th Cir. 2001\); Pantron I) Tj /F256 12.37 Tf 0.00 -22.08 TD (19 Corp., 33 F.3d at 1095 \(citing In re Clifdale Assocs., Inc., 103 F.T.C. 110,164-65) Tj /F258 9.29 Tf -1.20 -22.08 TD (20 \(l984\)\). Through their marketing practices, Defendants have made material) Tj /F258 8.93 Tf 0.00 -22.08 TD (2 1 misrepresentations about their purported mortgage loan modification services, have) Tj /F256 12.20 Tf 0.00 -21.84 TD (22 falsely represented that they would provide refunds if they did not obtain loan) Tj /F257 13.42 Tf 0.00 -22.08 TD (23 modifications, and have falsely represented that they are affiiated with, working) Tj /F257 13.08 Tf 0.00 -22.08 TD (24 with, or authorized by the consumer's lender. 12) Tj /F257 11.52 Tf 0.00 -22.08 TD (25) Tj /F257 12.00 Tf 0.00 -21.84 TD (26) Tj /F257 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F257 12.94 Tf 60.48 49.68 TD (12 In addition to federal and state laws prohibiting deceptive acts and) Tj /F257 13.03 Tf -35.04 -20.40 TD (practices, many states have enacted laws to protect homeowners by prohibiting) Tj /F257 13.02 Tf 0.48 -15.12 TD (foreclosure consultants from collecting payment before all promised services have) Tj /F257 13.14 Tf -.48 -15.36 TD (been completed. 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"&m&8h*Mi7xxT'H?kuTp4D64A@w¤MvA83Iot?U"# FJS@uW;IIzikIi6>u]OUUPUUzN}=Uz{{KoQT_Hk]%K_Jһ]/^|ot}oҴ+MބTRTqU:V+![^T&UK~j5P ݴRuVcGTK4QPh}HDA&xRx2ta $~::URVH;SB4 d`dg0AtNAW8pTSѬB.$M,$L#d*ѭ&w T $`uҰH7NQbvGm z8ta > :=I u֘o6[iN tuk%Pv(=/J}PA?+?NiRZKIizOI*iRJuu_PPOo?wþ֒TK$UZsӪ87 aJau=jijtCZZMUamҠo^V¶OJ$]kZ_]ijT+֗BI}xo ؔ:bPC%VK/MIRTIRT^U/o/}- XJ_ I^ꆚ%$W]Z_  /oJD}ޡj/~^445k֝zjs j?_^K^]*Kҩ2}zKʢK*󪾽/^_^KKZUW+U~Z^u]tzUU_zUWVKK__K""oKH'I$-{K I$I,K5_-K+KζdWKJ / \tq]u' ~V"C Oio=i$Oqa.Wi$VtiRa.Ҵ<뤭#6UiZhSk]TQ$SI%O]MU]ZJ%R iZեi]i00+K['VAUAKPAkpzI%_Ȑ=0l$] 5 C^)4׊bCRQUiZZ8&WЅUiAb@ A`U*T/g a4kiXB#&aB &!0@ҦʱX X aj@ AWB Vw$.I !3 `a2tQa0A !" 2˝* f 0"" J""48"#㈈"""#Ci_I$&B_ m/M 2B""?Zk F& z__'߯itu m/Bbf& #@ endstream endobj 261 0 obj << /Length 4182 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im262 Do Q Q q BT 3 Tr /F263 6.24 Tf 49.92 695.76 TD (1) Tj /F263 10.56 Tf -1.20 -22.08 TD (2) Tj /F263 12.45 Tf 155.04 11.04 TD (a.) Tj /F263 13.89 Tf 33.60 0.00 TD (Defendants Falsely Promise to Obtain Loan) Tj /F263 13.61 Tf 0.00 -11.04 TD (Modifications) Tj /F264 9.59 Tf -188.40 -22.32 TD (3 Defendants falsely represent that they can obtain loan modifications for) Tj /F263 13.45 Tf -.24 -21.84 TD (4 consumers in all or virtually all cases. As described above, the evidence) Tj /F265 12.00 Tf 0.24 -22.08 TD (5 demonstrates that Defendants market their mortgage loan modification services using) Tj /F263 13.29 Tf 0.00 -22.08 TD (6 deceptive claims of high success rates and attractive lender concessions, as well as) Tj /F265 12.25 Tf 0.00 -22.08 TD (7 numerous other claims that are false. PX 14 \(Studt\) ii 3, at 280; PX 05 \(Hall\) ii 3, at) Tj /F265 12.35 Tf 0.24 -22.08 TD (8 94; PX 16 \(Turley\) ii 4, at 287-88; PX 10 \(Ruiz\) ii 4, at 193; PX 13 \(Stewart\) iiii 3-4,) Tj /F265 12.34 Tf -.24 -21.84 TD (9 at 249-50; PX 18 \(Wells\) ii 4, at 439; PX 02 \(Bavadi\) ii 4, at 20; PX 19 \(White\) ii 4, at) Tj /F263 13.34 Tf -5.52 -21.84 TD (10 492-93; PX 06 \(Luke\) ii 5, at 115. Despite making these claims, as demonstrated by) Tj /F263 13.28 Tf 0.00 -22.08 TD (1 1 consumer declarations and numerous consumer complaints fied with the BBB and) Tj /F265 12.08 Tf 0.00 -22.08 TD (12 other agencies, Defendants have failed to obtain promised loan modifications for) Tj /F263 13.59 Tf 0.00 -22.08 TD (13 many consumers. See supra Part IV.A.5. Defendants cannot represent that they wil) Tj /F263 13.28 Tf 0.00 -21.84 TD (14 obtain loan modifications for consumers unless that result is, in fact, typical and not) Tj /F265 12.36 Tf 0.00 -22.08 TD (15 the exception. FTC v. Five-Star Auto Club, Inc., 97 F. Supp. 2d 502,528 \(S.D.N.Y.) Tj /F263 13.27 Tf 0.00 -22.08 TD (16 2000\) \("\(IJt would have been reasonable for consumers to have assumed that the) Tj /F265 11.99 Tf 0.00 -21.84 TD (1 7 promised rewards were achievable by the typical. . . participant."\).13) Tj /F265 7.60 Tf 0.00 -22.08 TD (1 8) Tj /F263 10.56 Tf 0.00 -22.08 TD (19) Tj /F265 11.68 Tf 24.48 -6.24 TD (Fla. Stat. 501.1377; 765 IlL. Compo Stat. 940/1 et seq.; Ind. Code 24-5.5-2-1) Tj /F263 13.03 Tf 0.24 -15.36 TD (et seq.; Md. Code Ann., Real Prop. 7-301 et seq.; Minn. Stat. 325N.01 et seq.;) Tj /F263 13.04 Tf -.24 -14.88 TD (Mo. Rev. Stat. 407.935 et seq.; N.H. Rev. Stat. Ann. 479-B:1 et seq.; R.I. Gen.) Tj /F263 13.09 Tf 0.00 -15.36 TD (Laws 5-79-1 et seq.; see also Cal. Bus. & Prof. Code 14701-02 \(prohibiting) Tj /F265 12.02 Tf -25.68 -14.16 TD (22 unauthorized use of lender's name or reference to homeowner's loan amount) Tj /F263 13.17 Tf 25.44 -16.32 TD (without clear and conspicuous disclosure that marketer is not affiiated with or) Tj /F263 13.19 Tf 0.48 -14.88 TD (authorized by the lender\). Despite having been put on notice of its violation of) Tj /F263 13.04 Tf 0.00 -15.12 TD (foreclosure consultant laws prohibiting the collection of advance fees in at least) Tj /F263 13.17 Tf -.24 -15.12 TD (two states - California and Florida - LMS persisted in soliciting and collecting up-) Tj /F263 13.33 Tf 0.24 -15.12 TD (front fees from consumers. See infra Part V.c.) Tj /F263 12.00 Tf -25.92 120.48 TD (20) Tj /F263 10.80 Tf 0.00 -22.08 TD (21) Tj /F263 11.28 Tf 0.00 -43.92 TD (23) Tj /F263 12.00 Tf 0.00 -22.08 TD (24) Tj /F263 11.52 Tf 0.00 -22.08 TD (25) Tj /F263 12.00 Tf 0.00 -21.84 TD (26) Tj /F263 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F263 12.95 Tf 60.48 34.56 TD (13 Even if there were any satisfied consumers, this would not be a defense to) Tj /F263 13.12 Tf -34.56 -20.40 TD (alleged FTC Act violations. FTC v. Amy Travel Serv., Inc., 875 F.2d 564,572 \(7th) Tj /F265 12.04 Tf 0.00 -15.36 TD (Cir. 1989\); FTC v. SlimAmerica, Inc., 77 F. Supp. 2d 1263,1273 \(S.D. Fla. 1999\).) 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MH6  j Tm26{#򭠃hI*)6lѢi:M4~d:JѢi_q^TN ?Z \mSA_6J§[[nm/V*뾯鵵Jo[K?_׫N_I[c Pk-zk }/!K-x 2,?O+?X1sڜN'm_յmm-a/鿏{׵S 8_S ׵I0ҵ[]L,⵿kms _ u/a_}w_&JaM_mWaL0K% [`k ` %{ mU>?[i[tka(`%P[00튰Q&apzD-#8Ib*b3aڶ+b 1V &k $MSIݨM؜ph-7N*'(i'lUCIwN{Iتb tvbq a6"8Ša m5M 1 `j P PAA a ( `ja a„G4 (Aal&a*!DDDCD0 0B(!‚51C@aa0a`APJ#""""#4""4?-.*d w%KJKm&R_a $-5T/_a A;?/_' Ml妥 O M?G endstream endobj 268 0 obj << /Length 3705 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im269 Do Q Q q BT 3 Tr /F270 6.24 Tf 49.92 695.76 TD (1) Tj /F270 10.56 Tf -1.20 -22.08 TD (2) Tj /F270 13.12 Tf 154.80 10.80 TD (b.) Tj /F270 13.79 Tf 33.84 0.24 TD (Defendants Falsely Promise Refunds if They Fail) Tj /F271 13.07 Tf 0.00 -11.04 TD (to Obtain Loan Modifications) Tj /F272 9.73 Tf -188.40 -22.32 TD (3 In numerous instances, Defendants further their deception by telling consumers) Tj /F272 9.03 Tf -.24 -21.84 TD (4 they wil receive refunds if they do not obtain loan modifications. In numerous) Tj /F270 13.45 Tf 0.24 -22.08 TD (5 instances, however, LMS has refused to give consumers full refunds. See supra Part) Tj /F270 13.39 Tf 0.00 -22.08 TD (6 IV.B. In other instances, LMS has made it difficult for consumers to request refunds.) Tj /F270 13.32 Tf 0.00 -22.08 TD (7 For example, it has made consumers sign a form that purports to "hold us free from) Tj /F272 8.43 Tf 0.24 -22.08 TD (8 all liability and responsibility" and states that "\(p Jrocessing your refund could take up) Tj /F272 8.85 Tf -.24 -21.84 TD (9 to thirty \(30\) days." PX 18 \(Wells\), Att. I, at 491. Despite signing the form, many) Tj /F271 11.92 Tf -5.52 -21.84 TD (10 consumers report that they never received a refund. E.g., id. ii 20, at 444.14) Tj /F270 9.60 Tf 0.00 -22.08 TD (11) Tj /F270 10.56 Tf 0.00 -22.08 TD (12) Tj /F270 11.41 Tf 160.32 10.80 TD (c.) Tj /F270 14.19 Tf 33.60 0.24 TD (Defendants Represent that They are Affiiated) Tj /F270 13.96 Tf -.24 -11.28 TD (with Consumers' Lenders) Tj /F271 13.14 Tf -193.68 -21.60 TD (13 Defendants' direct mail solicitation deceives many consumers into believing) Tj /F270 13.29 Tf 0.00 -22.08 TD (14 that it is a notice from the consumer's mortgage lender or servicer, or a party) Tj /F272 8.86 Tf 0.00 -22.08 TD (15 affiiated with, working with, or authorized by, the consumer's lender or servicer. In) Tj /F270 13.41 Tf 0.00 -22.08 TD (16 subsequent contacts, Defendants reinforce this misrepresentation. See supra Part) Tj /F271 14.48 Tf 0.00 -21.84 TD (17 IV.C.) Tj /F271 13.10 Tf 0.00 -22.08 TD (18 Defendants target their direct mail solicitations at consumers who have) Tj /F270 13.28 Tf 0.00 -22.08 TD (19 experienced an event suggesting financial hardship, such as a mortgage rate reset or) Tj /F270 13.49 Tf -1.20 -22.08 TD (20 delinquency. Id. The letters arrive in a window-type envelope, addressed so that the) Tj /F271 12.09 Tf 0.00 -22.08 TD (21 name of the consumer's mortgage lender or servicer shows through the window in) Tj /F270 13.41 Tf 0.00 -21.84 TD (22 bold print, separated by a hyphen from the notation "Loan Modification Notice." Id.) Tj /F270 13.33 Tf 0.00 -22.08 TD (23 After opening the envelope, consumers see specific information concerning their) Tj /F270 12.00 Tf 0.00 -22.08 TD (24) Tj /F270 11.52 Tf 0.00 -22.08 TD (25) Tj /F270 12.00 Tf 0.00 -21.84 TD (26) Tj /F270 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F270 13.01 Tf 60.48 64.80 TD (14 Defendants' purported money-back guarantee - even if honored in some) Tj /F270 13.21 Tf -34.56 -20.64 TD (cases - is no defense to the alleged misrepresentations. It is well-settled law that) Tj /F271 11.88 Tf -.48 -14.88 TD (providing refunds does not sanitize misrepresentations. FTC v. Think Achievement) Tj /F270 13.20 Tf 0.72 -15.36 TD (Corp., 312 F.3d 259,261 \(7th Cir. 2002\) \(stating that argument that) Tj /F270 13.04 Tf -.72 -14.88 TD (misrepresentations are cured by refunds has been "repeatedly rejected"\).) 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v_?- >,0'{|=0E?}A_a0w ?/0// oKm/KUy7/7o7ᴿ/ /΋t!xo謆tXo΋΋7vCYᴿ/ΊK_W _߇=~D5_C6i6tOL'mvmw?1_-un_S 8_[[/u׿w^_msu0L,⵿GЪo`հL0K^aL00K {j`հL0KN뿵_V$ڴ_{ r L0FqVK[Ib҆*$]b~]ձZD/һ*bJ`⿾#8 1V &RbVNNJIai1TII۴I4SMӆv鶒ptV=Xi1TjSN8TұIүC@mh aA< m0#Tm! @h1 `j@   )x@aaj{ aja'@_Ga0@ANĝ !aB% 0PB" !:aACH 0"NDDDDAPUjDDDqDDD-$KI/XA+O`#C;Xdd;*#(+D ;C+|ȔB0O v aAAA-6.([ 鄃~vꊶdpA ;ᮁKD!UԷuout"]e"!Gd%Ϣ4DϢhD>E4}%dS!Ie:5Y芢]4qN*)u\!H)τ 3P@CN *!,)%xTC3PLS@N!O630ƈ|kt( `pS… b0@t( f2L Sd"O)CL׆a0U:AS!AUFU8uFTh<&AamL#d8(M0v #[TѬaQ0U`A v-*mA _ MM(2L$ wZ)au H>T SAMaSw A> M \$ ӠavPMa~WY;EGNLHVPQ_e zI&xף&Һԟ6ԛ3hMhIl͢VNQIlٛ͢EG^qkomZMץN ]?W7tOOI7^^KzW.m-^NC~WZ t.Ca.wt~W~뤎K/$?ݵ E/Kj(NN/V_E/=?`|` ;+~7_at_߷I_nm+ۯK7o7K_bY ߝߝo:-솳[ҿ߇=!b!nk\m]N/>(Ko?no[_o8ѺZߤںk}U5uvkv]t$ ]`0K m[ $_w~ Zi\0FqL08; jWUBi5vՊbK[FwVka*J)a/I5NJ'{i&TU1Ii&nA{MJ*48i+lN8Ni' 'MiA 4 am0AA5 1  bh `a40A5 ` qAa a aA< m0 ^Gb", ! 0" 0I`DBub !‚& ! a FDqq_KK4&m$ aia-5FAiEO 7?'IW/K_ [_K_/_DR_妥F _B_D endstream endobj 275 0 obj << /Length 3581 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im276 Do Q Q q BT 3 Tr /F277 13.47 Tf 49.92 695.76 TD (1 actual mortgage loan near the top in bold print. Id. The letter presents the company) Tj /F277 13.33 Tf -1.20 -22.08 TD (2 name, "Loss Mitigation Services," in a generic typeface, and includes no company) Tj /F278 12.31 Tf 0.24 -22.32 TD (3 logo to suggest that "Loss Mitigation Services" is an independent company. Id. The) Tj /F279 5.00 Tf -.24 -21.84 TD (4 company's name resembles that of ) Tj /F277 12.99 Tf 203.28 0.00 TD (the "loss mitigation department" in many lenders') Tj /F278 12.24 Tf -203.04 -22.08 TD (5 operations that handles loan modifications. See supra Part III. The letter also omits) Tj /F277 13.36 Tf 0.00 -22.08 TD (6 the word "Inc." when using the name "Loss Mitigation Services," further obscuring) Tj /F277 13.28 Tf 0.00 -22.08 TD (7 that LMS is an independent company, distinct from the consumer's mortgage lender.) Tj /F278 12.20 Tf 0.24 -22.08 TD (8 See supra Part IV.C. When consumers call LMS's toll free number, telemarketers) Tj /F278 12.31 Tf -.24 -21.84 TD (9 answer the phone, "modification department, can I help you?" without identifying) Tj /F277 13.45 Tf -5.52 -21.84 TD (10 LMS. See id. Defendants' representatives often continue to obfuscate in subsequent) Tj /F278 13.27 Tf 0.00 -22.08 TD (11 contacts. Id.) Tj /F278 13.03 Tf 0.00 -22.08 TD (12 The deceptive claim that LMS is the consumer's mortgage lender or servicer,) Tj /F277 13.41 Tf 0.00 -22.08 TD (13 or a party affiiated with, working with, or authorized by the consumer's lender or) Tj /F278 12.19 Tf 0.00 -21.84 TD (14 servicer, is express or strongly implied in the solicitation letters. See, e.g, Kraft, Inc.) Tj /F278 12.18 Tf 0.00 -22.08 TD (15 v. FTC, 970 F .2d 311, 319 \(7th Cir. 1992\) \("\(IJmplied claims fall on a continuum,) Tj /F278 12.23 Tf 0.00 -22.08 TD (16 ranging from the obvious to the barely discernible."\). Established law directs courts) Tj /F277 13.20 Tf 0.00 -21.84 TD (1 7 to consider the "overall net impression" of the advertisement to determine whether a) Tj /F277 13.42 Tf 0.00 -22.08 TD (18 particular claim is made. See Am. Home Prods. Corp. v. FTC, 695 F.2d 681,687 \(3d) Tj /F279 9.03 Tf 0.00 -22.08 TD (19 Cir. 1982\) \("\(TJhe tendency of the advertising to deceive must be judged by viewing) Tj /F277 13.33 Tf -1.20 -22.08 TD (20 it as a whole."\) \(alteration in original\) \(quoting Beneficial Corp. v. FTC, 542 F.2d) Tj /F278 12.54 Tf 0.00 -22.08 TD (21 611,617 \(3d Cir. 1976\)\); FTC v. Gil, 71 F. Supp. 2d 1030,1043 \(C.D. Cal. 1999\)) Tj /F278 12.28 Tf 0.00 -21.84 TD (22 \(the Court looks at "overall net impression" in deciding questions of ad) Tj /F277 13.19 Tf 0.00 -22.08 TD (23 interpretation\) \(quoting FTC v. US Sales Corp., 785 F. Supp. 737, 745 \(N.D. IlL.) Tj /F278 12.25 Tf 0.00 -22.08 TD (24 1992\)\). When considered in its entirety, Defendants' solicitation, which names the) Tj /F278 12.03 Tf 0.00 -22.08 TD (25 consumer's mortgage lender and provides the initial balance of the mortgage, coupled) Tj /F279 9.32 Tf 0.00 -21.84 TD (26 with Defendants' subsequent statements convey the overarching message that "Loss) Tj /F277 13.42 Tf 0.00 -22.08 TD (27 Mitigation Services" is part of the consumers' lender or servicer, or is affiiated with,) Tj /F277 13.37 Tf 0.00 -22.08 TD (28 working with, or authorized by, the consumers' lender or servicer.) 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After prominently identifying the consumer's lender) Tj /F286 12.08 Tf 0.00 -22.08 TD (6 and loan amount in bold print near the top of the letter, and instructing consumers to) Tj /F284 8.98 Tf 0.00 -22.08 TD (7 "contact us today regarding your existing mortgage," the inconspicuous disclaimer at) Tj /F285 13.21 Tf 0.24 -22.08 TD (8 the bottom states "\( w Je are not an affiiate of, nor endorsed by, nor associated with) Tj /F285 13.15 Tf -.24 -21.84 TD (9 your lender."15 As set forth in long-standing FTC Act case precedent, "\( dJisclaimers) Tj /F285 13.26 Tf -5.52 -21.84 TD (10 or qualifications in any particular ad are not adequate to avoid liability unless they are) Tj /F284 9.25 Tf 0.00 -22.08 TD (11 sufficiently prominent and unambiguous to change the apparent meaning of the) Tj /F286 12.13 Tf 0.00 -22.08 TD (12 claims and to leave an accurate impression. Anything less is only likely to cause) Tj /F286 12.39 Tf 0.00 -22.08 TD (13 confusion by creating contradictory double meanings." Removatron Intl Corp. v.) Tj /F285 13.48 Tf 0.00 -21.84 TD (14 FTC, 884 F.2d 1489,1497 \(lst Cir. 1989\); see also FTC v. QT, Inc., 448 F. Supp. 2d) Tj /F286 12.17 Tf 0.00 -22.08 TD (15 908,929-30 \(N.D. IlL. 2006\) \(inconspicuous disclaimers do not cure deceptive overall) Tj /F286 12.06 Tf 0.00 -22.08 TD (16 net impression\).16 Further, employing inconspicuous disclaimers in communications) Tj /F285 10.56 Tf 0.00 -21.84 TD (17) Tj 0.00 -22.08 TD (18) Tj 0.00 -22.08 TD (19) Tj /F285 12.00 Tf -1.20 -22.08 TD (20) Tj /F285 10.80 Tf 0.00 -22.08 TD (21) Tj /F285 11.76 Tf 0.00 -21.84 TD (22) Tj /F285 11.28 Tf 0.00 -22.08 TD (23) Tj /F285 12.00 Tf 0.00 -22.08 TD (24) Tj /F285 11.52 Tf 0.00 -22.08 TD (25) Tj /F285 12.00 Tf 0.00 -21.84 TD (26) Tj /F285 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F285 12.93 Tf 60.48 227.52 TD (15 Not only is the disclaimer ineffective for its purported purpose, it is) Tj /F285 13.02 Tf -34.56 -20.64 TD (evidence that LMS is aware of, and intends to convey the claim that the solicitation) Tj /F285 13.18 Tf -.48 -15.12 TD (was sent by the consumer's lender, or a party affiiated with, working with, or) Tj /F285 13.14 Tf 0.48 -14.88 TD (authorized by, the consumer's lender. 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See Cal. Bus. & Prof. Code) Tj /F291 8.99 Tf 0.24 -22.32 TD (3 14701 -02. Consistent with the deceptive overall net impression conveyed by the) Tj /F292 13.33 Tf -.24 -21.84 TD (4 solicitation letter, numerous consumers report having believed that LMS was their) Tj /F293 12.32 Tf 0.24 -22.08 TD (5 lender or servicer or was somehow affiiated with their lender or servicer.) Tj /F293 12.96 Tf 0.00 -22.08 TD (6 As a matter of law, Defendants' deceptive claims concerning their success rate,) Tj /F291 8.80 Tf 0.00 -22.08 TD (7 their guarantee, and their affiiation with consumers' lenders are material because) Tj /F291 8.90 Tf 0.24 -22.08 TD (8 they are express \(or nearly express\) in nature and would affect consumers' decision) Tj /F292 13.12 Tf -.24 -21.84 TD (9 to purchase Defendants' mortgage loan modification services. 17 Indeed, Defendants') Tj /F292 13.25 Tf -5.52 -21.84 TD (10 claim that they will obtain modifications in all or virtually all cases goes to the core) Tj /F292 13.37 Tf 0.00 -22.08 TD (11 of why consumers would consider purchasing their services. Defendants' deceptive) Tj /F292 13.39 Tf 0.00 -22.08 TD (12 refund and lender affiiation claims also are important to consumers' purchase) Tj /F292 13.36 Tf 0.00 -21.84 TD (13 decisions. It is also a matter of law that consumers are entitled to rely on express) Tj /F293 11.94 Tf 0.00 -22.08 TD (14 claims and are under no obligation to doubt the veracity of such claims.18) Tj /F292 10.32 Tf 0.00 -22.08 TD (15) Tj /F292 10.80 Tf 0.00 -22.08 TD (16) Tj /F292 10.56 Tf 0.00 -21.84 TD (17) Tj 0.00 -22.08 TD (18) Tj /F293 12.17 Tf 24.96 43.20 TD (strong initial message. . . ."\), aff'd, 884 F.2d 1489 \(l st Cir. 1989\); FTC Policy) Tj /F292 13.21 Tf 0.00 -15.12 TD (Statement on Deception \(l983\), appended to Clifdale Assocs., 103 F.T.C. at 180-) Tj /F292 11.71 Tf 0.00 -15.12 TD (81.) Tj /F292 12.95 Tf 34.32 -20.88 TD (17 A claim is considered material if it "involves information that is important) Tj /F292 13.02 Tf -34.80 -20.40 TD (to consumers and, hence, \(isJ likely to affect their choice of, or conduct regarding a) Tj /F292 13.12 Tf -.24 -15.12 TD (product." FTC v. Cyberspace.com LLC, 453 F.3d 1196, 1201 \(9th Cir. 2006\)) Tj /F292 13.19 Tf 0.48 -17.76 TD (\(quoting Clifdale Assocs., 103 F.T.C. at 165\). Express claims and implied claims) Tj /F293 11.57 Tf -.48 -12.96 TD (used to induce the purchase of a product are presumed to be materiaL. Thompson) Tj /F292 13.38 Tf -25.44 -13.92 TD (22 Med. Co., 104 F.T.C. at 816; see also Pantron I Corp., 33 F.3d at 1095-96; FTC v.) Tj /F292 13.36 Tf 25.20 -16.08 TD (Figgie Intl, Inc., 994 F.2d 595,604 \(9th Cir. 1993\) \(no distinction between) Tj /F292 12.90 Tf 0.72 -15.36 TD (express and implied claims\); Am. Home Prods., 695 F.2d at 688 n.1 1 \("Once the) Tj /F292 13.01 Tf 0.00 -15.12 TD (Commission finds deception, it is normally allowed to infer materiality."\).) Tj /F292 10.56 Tf -24.72 112.56 TD (19) Tj /F292 12.00 Tf -1.20 -22.08 TD (20) Tj /F292 10.80 Tf 0.00 -22.08 TD (21) Tj /F292 11.28 Tf 0.00 -43.92 TD (23) Tj /F292 12.00 Tf 0.00 -22.08 TD (24) Tj /F292 11.52 Tf 0.00 -22.08 TD (25) Tj /F292 13.06 Tf 60.48 -1.20 TD (18 See FTC v. Standard Educ. Soc 'y, 302 U.S. 112, 116 \(l937\); Five-Star) Tj /F292 13.30 Tf -60.48 -20.64 TD (26 Auto Club, 97 F. Supp. 2d at 528 \("Consumer reliance on express claims is) Tj /F292 13.13 Tf 25.44 -14.88 TD (presumptively reasonable. It is reasonable to interpret express statements as) Tj /F292 13.15 Tf 0.48 -15.12 TD (intending to say exactly what they say."\) \(quoting FTC v. Intl Computing) Tj /F292 13.05 Tf 0.24 -15.36 TD (Concepts, Inc., No. 5:94CV1678, 1994 WL 730144, at *12 \(N.D. 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Tj /F298 9.60 Tf 0.24 -22.08 TD (5) Tj /F298 10.56 Tf 0.00 -22.08 TD (6) Tj /F298 10.08 Tf 0.00 -22.08 TD (7) Tj /F298 9.60 Tf 0.24 -22.08 TD (8) Tj /F298 10.08 Tf -.24 -21.84 TD (9) Tj /F298 10.80 Tf -5.52 -21.84 TD (10) Tj /F298 9.60 Tf 0.00 -22.08 TD (11) Tj /F298 10.56 Tf 0.00 -22.08 TD (12) Tj /F298 10.08 Tf 0.00 -22.08 TD (13) Tj /F298 10.80 Tf 0.00 -21.84 TD (14) Tj /F298 10.32 Tf 0.00 -22.08 TD (15) Tj /F298 10.80 Tf 0.00 -22.08 TD (16) Tj /F298 10.56 Tf 0.00 -21.84 TD (17) Tj 0.00 -22.08 TD (18) Tj 0.00 -22.08 TD (19) Tj /F298 12.00 Tf -1.20 -22.08 TD (20) Tj /F298 10.80 Tf 0.00 -22.08 TD (21) Tj /F298 11.76 Tf 0.00 -21.84 TD (22) Tj /F298 11.28 Tf 0.00 -22.08 TD (23) Tj /F298 11.84 Tf 127.44 385.44 TD (2.) Tj /F298 14.13 Tf 34.08 0.00 TD (The Corporate and Individual Defendants are Subject) Tj /F298 14.34 Tf -.24 -11.04 TD (to Joint and Several Liabilty) Tj /F298 14.03 Tf 34.08 -22.08 TD (The Corporate Defendants are Liable as a) Tj /F299 12.74 Tf 0.00 -11.04 TD (Common Enterprise) Tj /F298 13.00 Tf -135.36 -22.08 TD (Corporate defendants may be held jointly and severally liable if they operate as) Tj /F298 12.45 Tf 101.52 33.12 TD (a.) Tj /F298 13.28 Tf -135.60 -54.96 TD (a common enterprise. FTC v. J.K. Publns, Inc., 99 F. Supp. 2d 1176, 1202 \(C.D.) Tj /F298 12.99 Tf 0.00 -22.32 TD (Cal. 2000\); see also Sunshine Art Studios, Inc. v. FTC, 481 F.2d 1171, 1173 \(5th Cir.) Tj /F299 11.88 Tf 0.96 -21.84 TD (1973\); FTC v. Think Achievement Corp., 144 F. Supp. 2d 993, 1011 \(N.D. Ind. 2000\).) Tj /F298 13.04 Tf -.96 -21.84 TD (To determine whether a common enterprise exists, "the pattern and frame-work of the) Tj /F299 11.98 Tf -.48 -22.32 TD (whole enterprise must be taken into consideration." Delaware Watch Co. v. FTC,) Tj /F298 13.24 Tf 0.48 -22.08 TD (332 F.2d 745,746 \(2d Cir. 1964\) \(quoting Art Natl Mfrs. Distrib. Co. v. FTC, 298) Tj /F300 5.00 Tf -.24 -21.84 TD (F.2d 476,477 \(2d Cir. 1962\)\). A host of ) Tj /F298 13.19 Tf 217.44 0.00 TD (factors may demonstrate the existence ofa) Tj /F298 13.12 Tf -217.20 -22.08 TD (common enterprise, including: common control, shared officers, shared office space,) Tj /F298 13.05 Tf 0.00 -22.08 TD (commingling of funds, unified advertising and whether business was transacted) Tj /F300 5.00 Tf -.24 -21.84 TD (through a maze of ) Tj /F299 11.96 Tf 98.16 0.00 TD (interrelated companies. Id.; FTC v. Neovi, Inc., 598 F. Supp. 2d) Tj /F299 12.21 Tf -96.96 -22.08 TD (1104,1116 \(S.D. Cal. 2008\); J.K. Publns, 99 F. Supp. 2d at 1201-02. Continuity,) Tj /F298 13.02 Tf -.72 -22.08 TD (such as product continuity and work force continuity, may also make one corporation) Tj /F298 13.43 Tf -.24 -21.84 TD (liable for another. FTC v. Us. Oil & Gas Corp., No. 83-1702,1987 U.S. Dist.) Tj /F298 13.15 Tf 0.96 -53.52 TD (1994\)\). Moreover, consumers reasonably assume that Defendants' claims of) Tj /F298 13.08 Tf -.72 -15.36 TD (successful loan modifications would apply to them. Five-Star Auto Club, 97 F.) Tj /F298 13.26 Tf 0.00 -15.12 TD (Supp. 2d at 528. The FTC, however, does not have to prove actual reliance. FTC) Tj /F299 12.29 Tf -26.16 -15.12 TD (26 v. Freecom Commc'ns, 401 F.3d 1192,1204 n.7 \(lOth Cir. 2005\) \("\(TJhe FTC) Tj /F299 12.29 Tf 0.00 -22.08 TD (27 need not prove scienter, reliance, or injury to establish a 5 violation."\). Further,) Tj /F299 11.77 Tf 25.92 -10.32 TD ("\(tJhe existence of a money-back guarantee. . . is neither a cure for deception nor a) Tj /F298 13.42 Tf -25.92 -11.76 TD (28 remedy for consumer injury." SlimAmerica, 77 F. Supp. 2d at 1272.) 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D<ʱX `0&aO l*M`mSX x `  A0 0aBjT70 qa." 0PB80B""B"" 0D0*C a+;DXBaDD0‚ "BN8UWi$I/AʐX_Ma AE/iA:_KIMPA:妶>_z_MK4MA_/? endstream endobj 303 0 obj << /Length 3474 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im304 Do Q Q q BT 3 Tr /F305 13.41 Tf 49.92 695.76 TD (1 LEXIS 16137, at *59 \(S.D. Fla. Jul. 10, 1987\). No one factor is dispositive, and all) Tj /F306 12.22 Tf -1.20 -22.08 TD (2 factors need not be present to justify a finding of common enterprise. FTC v.) Tj /F306 12.13 Tf 0.24 -22.32 TD (3 Kennedy, 574 F. Supp. 2d 714,722 \(S.D. Tex. 2008\) \("It is not necessary that the) Tj /F305 13.34 Tf -.24 -21.84 TD (4 FTC prove any particular number of entity connections and any specific) Tj /F307 9.55 Tf 0.24 -22.08 TD (5 connection."\).) Tj /F307 9.75 Tf 0.00 -22.08 TD (6 Several of the factors necessary to demonstrate common enterprise are present) Tj /F307 8.80 Tf 0.00 -22.08 TD (7 here. First, each of the interrelated corporate defendants has conducted business) Tj /F306 12.14 Tf 0.24 -22.08 TD (8 through the other, and through at least one entity they have jointly operated. From) Tj /F307 9.41 Tf -.24 -21.84 TD (9 approximately late 2007 through approximately May 2008, corporate defendant) Tj /F305 13.28 Tf -5.52 -21.84 TD (10 Direct Lender advertised, marketed, offered to sell, and sold loan modification and) Tj /F306 12.15 Tf 0.00 -22.08 TD (11 foreclosure relief services, using the name "Loss Mitigation Department" and a direct) Tj /F307 9.22 Tf 0.00 -22.08 TD (12 mail solicitation designed by Defendant Dean Shafer, who ultimately co-founded) Tj /F305 13.39 Tf 0.00 -22.08 TD (13 LMS. See PX 24 \(Redding\), Att. W, at 1055-61; PX 04 \(Dondi\), Att. A, at 52.) Tj /F305 13.31 Tf 0.00 -21.84 TD (14 Beginning on or about April 2008, Direct Lender purported to transfer its loss) Tj /F307 9.42 Tf 0.00 -22.08 TD (15 mitigation operations to Corporate Defendant LMS. Following the purported) Tj /F305 13.26 Tf 0.00 -22.08 TD (16 transfer, LMS continued to advertise, market, offer to sell, and sell the same services) Tj /F306 12.26 Tf 0.00 -21.84 TD (17 using the same, or virtually the same, direct mail solicitation. Compare PX 04) Tj /F306 12.72 Tf 0.00 -22.08 TD (18 \(Dondi\), Att. A, at 52, with PX 16 \(Turley\), Atts. A, V, at 298,434. Through) Tj /F305 13.26 Tf 0.00 -22.08 TD (19 approximately mid-2008, both corporate defendants operated out of the same address,) Tj /F305 13.33 Tf -1.20 -22.08 TD (20 PX 24 \(Redding\), Att. U, at 1047, with corporate letterhead containing logos for both) Tj /F306 12.59 Tf 0.00 -22.08 TD (21 Defendants, PX 16 \(Turley\), Att. D, at 328. Additionally, LMS has used TNLMA to) Tj /F305 13.30 Tf 0.00 -21.84 TD (22 perpetuate its fraudulent activity, and TNLMA has ties to both corporate defendants.) Tj /F306 12.61 Tf 0.00 -22.08 TD (23 See supra Part IV.A.4.) Tj /F306 13.06 Tf 0.00 -22.08 TD (24 Second, the corporate defendants are commonly controlled with overlapping) Tj /F307 8.85 Tf 0.00 -22.08 TD (25 officers. Individual Defendant Bernadette Perry, a.k.a. Bernadette Carr, serves as an) Tj /F305 13.31 Tf 0.00 -21.84 TD (26 officer of Direct Lender, including but not limited to, in the capacity of CEO, CFO,) Tj /F307 5.00 Tf 0.00 -22.08 TD (27 Secretary, PX 24 \(Redding\), Att. G, at 701, and is a member of ) Tj /F306 11.72 Tf 359.04 0.00 TD (the Operational) Tj /F306 12.75 Tf -359.04 -22.08 TD (28 Executive Team ofLMS. PX 03 \(Browne\), Att. B, at 41. 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D"Q pk:_yſ=]?N/ IKKU/_K_Kf4 o6UC"d" \.*Lv2V2+v&Of[Bg (-[(((_\/ &… PB>'zI0X|4ﻻ4 a8M$$"vk2Y_몯8뮪WD""HgDJNYmfDB)B,둈SZ8F"$qe&kD"U)D4})G"#hY4DK-FB,%3PBj x): 𤀙0&C@ V)' x\:t<Ȁp<)Bj< `4͌!BC1O d1@B |x g@?EM A coF["݂cF l[Pv amUL(8pT.ڂa[Ux(EEhÄl[aFc頃j4TwH7(h Tl*`!:A7NA6 e*a]¦ltH ](zh n 2Mj &?Rpvttlͣ'\I'hO=tJ?R&6M7m+_t~֏WOkOkWODA*S F/"tuGN4K5f)Q@B0AQ9 iyȚ5~#A4C3P CL3PL h9=2fO |j) w!|A&M`L( d@(!!˜#Axѭ]4k AT0Ja]k 5Tk]0vvѬ0UMTkjn-*jnT0Uk]4k AT0Ja]k 5TkhSF !Tk &n"H6PeP2Ѓh&A/H7,Aa \*a ] 26 La L. 6 S  *Y6l$ 2z aSH6Ztlapl*3?j* VՓ~ i]Y;EDYCEE}&lGfmt{ft&GYCEDzҺvܡWk~NQIo$4Tj6Vq77M&kzx({/uZ_oKK 솿賢:/ Ed5 %_i_~V4Nv_::}]]ut_:nu}0/uk8m]8_8+[_+__ү\_&uu0S _ڭuL0w aU 0/ }w0I5[a+a+UU`#8Fm+$ՄIm-l%mvՊbJ&Ҹ`$1ZIJ+a-[J 5a&bK[ [i[ V_tvWت);m$Պئi)6V);vI;IbwNاNMawLRvIMi'lRm1TTIM4MBh ` B0M!40AaAh `a4p!T 0A8Dq qL,0A 1 4b@A! `j qL D B `"(! !0 !0A8`DD@a!v &`D0G0DCA'` !"8"#"""#/K/㴼sK/&_@"#̉D5'Adp_Iӏz_KW_ֿIHZH/ ?;ʫ;)nH2@ͳ#2(/ 30v`2H XNӇ'btI=AaW K=$:OK'a &E0zT5?MһpibPZ+iZ%-t>T #A+/pޛگ֫Z_JJ5UUǬi믣xTqK"PD4}sDYjuE:"FEB%5"Iuڬ z}/H ৅  DC3PLاD?΂H! @:5z| :yH2Md ~KA : a0> yWyhl#d#d8(M0PT.A0vc#eѭ]k ASFUڄ[kB.ETLjj vxgQT?Ѭh*`Q] d|"Y ' =;TgSIe6wpe҂ ӄd6mH6 H6H6  d6ujm iQ\#gmi h0ku`/XH&t6rveItIҺv:=vM:Vfmta߃JLf +#IغKF?7|VtM&ktkN8.K7/nN?WV_ij5j=jФT]'ZwKV]%Ҥ:?uOoI*I}U5_pΪKUJ_1j)z_(zZ_^KH{^iRҴ^UR_UIRm_zKnRT[/"Ç ,0 K*꾫տcvI$*Ja 4]zIU I_/n %^CMuXaAAJzJT^_]6Amw/zQu/x%zYϯ ᾴKҭjL^/KۓLJ~_a!K!贴]*ҽ/۪KK_;?*Kkz/_3N}?Cki?MץUiTOYwtuW_W_WW{֖IiuY fmCZ%_0_\[._S +W_msҮ<Ҵ3oe\[0-"Ҵq{`kk}/UV%u 0-5KK-nJvVڭ;JzMl%a+KUI543aa0b"Ã]6 SWi6ga&)bפiKJۥAD*pXI_M 6^U (iERpؤ؜pWi&SMIT;i&馼U'!M1P[Չ )\ULSCA&_*)A a m l „&Š BA*h1  B6b"< &VT¬1T zA iap0L&F!_I aG0" "C0DAB" 0""¡`3V;$2aAe,@b aP0@_DR5b""""8""""8zT_IIɾA_ح N6DA` pto?__imXo;VO%oSI_]K_A_Z_պ _Zk ΀-m/'U_KA'_Mlk?/UḄG endstream endobj 310 0 obj << /Length 4028 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im311 Do Q Q q BT 3 Tr /F312 13.28 Tf 49.92 695.76 TD (1 not a defendant, Debi Britt, serves as the General Manager of Operations for LMS) Tj /F313 12.37 Tf -1.20 -22.08 TD (2 and previously handled operations oversight for Direct Lender. Id.) Tj /F314 9.91 Tf 0.24 -22.32 TD (3 Third, the corporate defendants share or have shared office space. LMS and) Tj /F313 12.16 Tf -.24 -21.84 TD (4 Synergy have operated at 8700 Warner Avenue #200, Fountain Valley, California) Tj /F313 12.59 Tf 0.24 -22.08 TD (5 92708. PX 24 \(Redding\), Atts. A, I, U, at 683,707, 1047; PX 16 \(Turley\), Att. D, at) Tj /F314 11.27 Tf 0.00 -22.08 TD (6 328.) Tj /F314 10.12 Tf 0.00 -22.08 TD (7 Because numerous factors support the conclusion that Direct Lender and LMS) Tj /F312 13.38 Tf 0.24 -22.08 TD (8 have operated as a common enterprise, each is liable for the other's activities. These) Tj /F313 12.14 Tf -.24 -21.84 TD (9 factors include common control, shared officers, shared office space, unified) Tj /F312 13.30 Tf -5.52 -21.84 TD (10 advertising, and transacting business through interrelated companies.) Tj /F312 9.60 Tf 0.00 -22.08 TD (11) Tj /F312 10.56 Tf 0.00 -22.08 TD (12) Tj /F312 10.08 Tf 0.00 -22.08 TD (13) Tj /F312 10.80 Tf 0.00 -21.84 TD (14) Tj /F312 10.32 Tf 0.00 -22.08 TD (15) Tj /F312 10.80 Tf 0.00 -22.08 TD (16) Tj /F312 10.56 Tf 0.00 -21.84 TD (17) Tj 0.00 -22.08 TD (18) Tj 0.00 -22.08 TD (19) Tj /F312 12.00 Tf -1.20 -22.08 TD (20) Tj /F312 10.80 Tf 0.00 -22.08 TD (21) Tj /F312 11.76 Tf 0.00 -21.84 TD (22) Tj /F312 11.28 Tf 0.00 -22.08 TD (23) Tj /F312 12.00 Tf 0.00 -22.08 TD (24) Tj /F312 11.52 Tf 0.00 -22.08 TD (25) Tj /F312 12.00 Tf 0.00 -21.84 TD (26) Tj /F312 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F313 12.51 Tf 195.12 363.36 TD (Defendants Dean Shafer, Bernadette Perry and) Tj /F312 13.93 Tf 0.24 -11.04 TD (Tony Perry Can Be Held Individually Liable for) Tj /F313 12.57 Tf -.24 -10.80 TD (the Acts and Practices of the Enterprise) Tj /F312 13.04 Tf -135.36 -22.08 TD (Individuals also can be held liable for corporate violations of Section 5 of the) Tj /F312 13.12 Tf 101.52 43.68 TD (b.) Tj /F312 13.08 Tf -135.60 -65.76 TD (FTC Act. Cyberspace.com, 453 F.3d at 1202; FTC v. Am. Standard Credit Sys., Inc.,) Tj /F312 13.25 Tf 0.48 -22.32 TD (874 F. Supp. 1080,1089-90 \(C.D. Cal. 1994\). Individual liability for injunctive) Tj /F312 13.05 Tf -.72 -21.60 TD (relief is appropriate where, as here, the individual defendant directly participated in) Tj /F312 13.10 Tf 0.48 -22.32 TD (or had the authority to control corporate deceptive acts and practices. Am. Standard,) Tj /F312 13.13 Tf 0.24 -22.08 TD (874 F. Supp. at 1089. Individual defendants are further subject to monetary liability) Tj /F312 13.24 Tf -.24 -21.84 TD (if they had knowledge of the practices at issue. Id. An individual need not have had) Tj /F312 12.90 Tf 0.24 -22.08 TD (subjective intent to deceive or actual know ledge of the deception; reckless) Tj /F312 13.03 Tf -.24 -21.84 TD (indifference to the truth or falsity of a misrepresentation or an awareness of a high) Tj /F312 13.18 Tf -.48 -22.08 TD (probability of fraud coupled with intentional avoidance of the truth wil suffice. Amy) Tj /F313 11.73 Tf 0.96 -22.08 TD (Travel, 875 F.2d at 573-74; Cyberspace.com, 453 F.3d at 1202; Am. Standard, 874 F.) Tj /F312 13.26 Tf -.24 -22.08 TD (Supp. at 1089; J.K. Publns, 99 F. Supp. 2d at 1204.) Tj /F312 13.02 Tf 33.84 -21.84 TD (The individual defendants are subject to injunctive relief because they had) Tj /F312 13.13 Tf -34.08 -22.08 TD (authority to control the corporate enterprise. Authority to control can arise from) Tj /F312 12.99 Tf 0.00 -22.08 TD (assuming the duties of a corporate officer. Amy Travel, 875 F.2d at 573; see also Am.) 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Ed5_Ү]}U6]%z_t*R^j-/_tNC_ S[ tuutuuZ.C_]d5Y _]%H1_q5N[_kjag<\s ңi*%ܡ~O$L, \AKڮL0w aU?$פ$/a%JIj.zӴz4)[*Z]jM6һ j1Mvi\0FqVK]iZ]UKJRZMiZMÃ-l"XKUU0JlSi4Ii+MIT+i'z|RJUPثJ؄IQUiZZ81T&a/T mSAM! mb@ M!"8A40  XMmB#¯*aB#&bXB#&aBj * B"#aB"!"" `pD0!aP0B ª ! Մ@P0L ,!0PX`00DEC qDDDDDDDDDDGq^ia D?onkO?Z_iI_lBoM妶0M7Ժ & 6!1 3+G endstream endobj 317 0 obj << /Length 4044 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im318 Do Q Q q BT 3 Tr /F319 12.10 Tf 49.92 695.76 TD (1 Standard, 874 F. Supp. at 1089. This is especially true when the corporate) Tj /F320 13.38 Tf -1.20 -22.08 TD (2 defendants, as those in this case, are small, closely held corporations. FTC v.) Tj /F319 12.35 Tf 0.24 -22.32 TD (3 Transnet Wireless Corp., 506 F. Supp. 2d 1247,1270 \(S.D. Fla. 2007\). Here, all of) Tj /F321 8.65 Tf -.24 -21.84 TD (4 the individual defendants are principals of LM S. 19) Tj /F321 10.50 Tf 0.24 -22.08 TD (5 Defendant Dean Shafer co-founded LMS with Defendant Bernadette Perry and) Tj /F321 9.16 Tf 0.00 -22.08 TD (6 serves or has served as LM S' s CEO, CFO, Secretary and a director. PX 24) Tj /F320 13.61 Tf 0.00 -22.08 TD (7 \(Redding\), Att. W, C, J, at 1055-61,688,735. He initially registered the corporation) Tj /F319 12.30 Tf 0.24 -22.08 TD (8 to his home address. Id., Att. C, at 688. Mr. Shafer designed the direct mail) Tj /F321 8.89 Tf -.24 -21.84 TD (9 solicitation that has been the primary source of Defendants' customers since) Tj /F320 13.48 Tf -5.52 -21.84 TD (10 inception. Id., Att. W, at 1055-61. He also has taken credit for reviewing leads to) Tj /F320 13.58 Tf 0.00 -22.08 TD (11 identify the consumers who wil receive the solicitations. Id. Mr. Shafer is signatory) Tj /F319 12.16 Tf 0.00 -22.08 TD (12 on numerous bank accounts registered to the company. Id., Att. N, at 752-72. Thus,) Tj /F320 13.55 Tf 0.00 -22.08 TD (13 Mr. Shafer has authority to control LMS. J.K. Publns, 99 F. Supp. at 1204 \(stating) Tj /F319 12.15 Tf 0.00 -21.84 TD (14 that authority to sign documents on behalf of corporation indicates authority to) Tj /F319 13.58 Tf 0.00 -22.08 TD (15 control\).) Tj /F321 10.49 Tf 0.00 -22.08 TD (16 Defendant Bernadette Perry co-founded LMS with Defendant Shafer and) Tj /F321 9.23 Tf 0.00 -21.84 TD (17 serves or has served as a member of the Operational Executive Team of Loss) Tj /F320 13.37 Tf 0.00 -22.08 TD (18 Mitigation Services, Inc. Ms. Perry is actively involved in LMS's operations, serving) Tj /F319 12.21 Tf 0.00 -22.08 TD (19 as its "Senior Negotiator" for loan modifications, and interacting with consumers and) Tj /F320 12.00 Tf -1.20 -22.08 TD (20) Tj /F320 10.80 Tf 0.00 -22.08 TD (21) Tj /F320 11.76 Tf 0.00 -21.84 TD (22) Tj /F320 11.28 Tf 0.00 -22.08 TD (23) Tj /F320 12.00 Tf 0.00 -22.08 TD (24) Tj /F320 11.52 Tf 0.00 -22.08 TD (25) Tj /F320 12.00 Tf 0.00 -21.84 TD (26) Tj /F320 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F320 13.19 Tf 60.48 155.76 TD (19 "An officer of a corporation may be held individually liable for) Tj /F320 12.92 Tf -34.56 -20.64 TD (injunctive relief under the \(FTC Act J for corporate practices if the FTC can prove) Tj /F320 13.03 Tf 0.00 -17.76 TD (\(1\) that the corporation committed misrepresentations or omissions of a kind) Tj /F320 13.05 Tf -.48 -12.72 TD (usually relied on by a reasonably prudent person, resulting in consumer injury, and) Tj /F320 13.03 Tf 0.48 -17.52 TD (\(2\) that the individual defendants participated directly in the acts or practices or) Tj /F319 12.04 Tf -.48 -12.48 TD (had authority to control them." Am. Standard, 874 F. Supp. at 1087 \(citing Amy) Tj /F321 5.00 Tf 0.96 -15.12 TD (Travel, 875 F.2d at 573\); see also FTC v. Kitco of ) Tj /F320 13.04 Tf 262.56 -.24 TD (Nevada, Inc., 612 F. Supp. 1282,) Tj /F320 13.22 Tf -262.08 -14.88 TD (1292 \(D. Minn. 1985\)\); FTC v. Natl Urological Group, No. 1:04-cv-3294-CAP,) Tj /F320 13.18 Tf -1.20 -15.12 TD (2008 WL 2414317, at *28 \(N.D. Ga. June 4, 2008\). An individual's status as a) Tj /F320 13.08 Tf 0.24 -15.36 TD (corporate officer of a small, closely-held corporation gives rise to a presumption of) Tj /F320 13.13 Tf 0.00 -14.88 TD (ability to control the corporation. Transnet Wireless, 506 F. Supp. 2d at 1270.) 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( A `D DA'F! !#V#""""""""""?_a/_0i 0@DGF& N__o _`݉W_/K%kitA/` G endstream endobj 324 0 obj << /Length 3485 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im325 Do Q Q q BT 3 Tr /F326 13.64 Tf 49.92 695.76 TD (1 government officials on behalfofLMS. PX 03 \(Browne\), Att. B, at 41; PX 16) Tj /F327 12.69 Tf -1.20 -22.08 TD (2 \(Turley\) iiii 31-34 & Atts. T.1-T.4, T.6-T.8, at 294-95,406-16,420-25; PX 20) Tj /F326 13.33 Tf 0.24 -22.32 TD (3 \(Lockwood\) iiii 6-7 & Att. B, at 540, 546. In late 2007, at approximately the time that) Tj /F328 9.30 Tf -.24 -21.84 TD (4 defendants were beginning to market loan modifications through) Tj /F328 9.31 Tf 0.24 -22.08 TD (5 Synergy/DirectLender, corporate registration documents for Synergy/DirectLender) Tj /F327 12.17 Tf 0.00 -22.08 TD (6 began listing Ms. Perry as CEO, CFO, Secretary, and a director. PX 24 \(Redding\),) Tj /F328 9.08 Tf 0.00 -22.08 TD (7 Att. G, at 701.) Tj /F327 13.02 Tf 0.24 -22.08 TD (8 Defendant Tony Perry is listed in marketing materials sent to consumers as) Tj /F326 13.30 Tf -.24 -21.84 TD (9 LMS's President and Acting COO, as well as a member of its Operational Executive) Tj /F327 12.38 Tf -5.52 -21.84 TD (10 Team. PX 03 \(Browne\), Att. B, at 41. According to these materials, Tony Perry is) Tj /F327 12.08 Tf 0.00 -22.08 TD (11 responsible for overseeing the day-to-day operations, with the objective of balancing) Tj /F327 12.56 Tf 0.00 -22.08 TD (12 operating efficiency and growth initiatives. Id. Marketing materials for LMS also) Tj /F326 13.29 Tf 0.00 -22.08 TD (13 include a "personal message" to consumers from Tony Perry in his capacity as) Tj /F327 12.35 Tf 0.00 -21.84 TD (14 President. Id. Moreover, LMS has marketed its loan modification services using Mr.) Tj /F327 12.23 Tf 0.00 -22.08 TD (15 Perry's expired real estate license. PX 24 \(Redding\), Att. Y, at 1070-77.) Tj /F327 12.84 Tf 0.00 -22.08 TD (16 The individual defendants also had requisite know ledge of LM S' s deceptive) Tj /F327 12.22 Tf 0.00 -21.84 TD (17 acts and practices to be subject to monetary liability. LMS and each of the individual) Tj /F327 12.09 Tf 0.00 -22.08 TD (18 defendants were named in a Desist and Refrain Order \("D&R"\) issued by the) Tj /F326 13.20 Tf 0.00 -22.08 TD (1 9 California Department of Real Estate \("DRE"\) in May 2009, requiring them to stop) Tj /F326 13.50 Tf -1.20 -22.08 TD (20 collecting advance fees. Id., Att. X, at 1063-68. Defendant Dean Shafer designed the) Tj /F326 13.29 Tf 0.00 -22.08 TD (21 direct mail solicitation and culled the leads that have been the primary source of the) Tj /F327 12.28 Tf 0.00 -21.84 TD (22 corporate defendants' customers since inception. Id., Att. W, at 1055-61. Defendant) Tj /F326 13.31 Tf 0.00 -22.08 TD (23 Bernadette Perry oversees LMS's modification operations and has represented to) Tj /F327 12.08 Tf 0.00 -22.08 TD (24 consumers that she personally gets involved when LMS has failed to obtain loan) Tj /F326 13.52 Tf 0.00 -22.08 TD (25 modifications. PX 16 \(Turley\), Att. T.1, at 406-08. Defendant Tony Perry has used) Tj /F326 13.31 Tf 0.00 -21.84 TD (26 his expired real estate license to offer services to customers of LMS, and was named) Tj /F326 13.30 Tf 0.00 -22.08 TD (27 in an Accusation issued by the DRE in April 2009, ordering him, among other things,) Tj /F326 13.31 Tf 0.00 -22.08 TD (28 to stop making misrepresentations and false promises to induce consumers to enter) Tj /F326 10.32 Tf 246.96 -25.92 TD (39) Tj ET Q endstream endobj xref 1 2 0002475518 00000 n 0002475577 00000 n 322 7 0002476011 00000 n 0002476178 00000 n 0002531407 00000 n 0002476721 00000 n 0002476334 00000 n 0002476465 00000 n 0002476594 00000 n trailer << /Size 329 /Prev 2475187 /Root 1 0 R >> startxref 2534959 %%EOF % Page Description << /EndOffset 0002592451>> 1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [3 0 R 10 0 R 17 0 R 24 0 R 31 0 R 38 0 R 45 0 R 52 0 R 58 0 R 65 0 R 72 0 R 79 0 R 86 0 R 93 0 R 100 0 R 107 0 R 114 0 R 121 0 R 127 0 R 134 0 R 141 0 R 148 0 R 155 0 R 162 0 R 169 0 R 176 0 R 182 0 R 189 0 R 196 0 R 203 0 R 210 0 R 217 0 R 224 0 R 231 0 R 238 0 R 245 0 R 252 0 R 259 0 R 266 0 R 273 0 R 280 0 R 287 0 R 294 0 R 301 0 R 308 0 R 315 0 R 322 0 R 329 0 R ] /Count 48 >> endobj 329 0 obj << /Type /Page /Parent 2 0 R /Resources 330 0 R /Contents 331 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 614.40 792.00 ] >> endobj 330 0 obj << /XObject << /Im332 332 0 R>> /Font << /F333 333 0 R /F334 334 0 R /F335 335 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 333 0 obj << /Type /Font /Subtype /Type1 /Name /F333 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 334 0 obj << /Type /Font /Subtype /Type1 /Name /F334 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 335 0 obj << /Type /Font /Subtype /Type1 /Name /F335 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 332 0 obj << /Type /XObject /Subtype /Image /Name /Im332 /Width 2560 /Height 3300 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2560 /Rows 3300>> /Decode [0 1 ] /Length 51682 >> stream ֌ 7fV̀w'e8ͳ^wS*;&yK\ 0l#8wdذ!’bA@rY51@  aB70j0aBe0Xz5/:NI=S%ILMTTU|44zD4w ZARnn+Z 3B[m@d:'kh+h(=oJT]. 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TMaSA6 ¦SIe60H6-:aS Ώ  L*3 & .l*}mv h ?W~-'4hA~GhQI&?uzvԝ+'hJl͢qj?Rl٣EF''h?J 'ҵzvUm$SwmS7~N}&&⿧I7Mi77\Svk7_US§KVSЭЭ޷Wwե{kut*~V§W^w.z~~ޟ_ץ t?~E/PC-᎗~-~_,~Ø'?""ֿ }l; a__u߆A{_t _^_`m/ ____؅t_:.y~!!_E/K??;HHm{I_Hm}4O_K_on+鿽A_}s^^_-L,~W_/u_u]L/u0uWڮk}`[ %ڭu ]{ $`]Wu_ujk}V}UJ#8Y apvaa[i[tka(`%LSij1W KV*Ҷm.J#8oJ!T0FqVK^i*iiT4⩊SMaI4;bbi4INv6);{I6iajLU'jmㄩLU1JIJ  ڠ@0 aDMB6@@  AAMSA B B a@0 6@„G  1 ` BAӃ Bj00 „0D40 a?0PB(!;aaaB"""B%  B""(aaĝaaa""B<|R5b""#j/K ._a.KlW4i? 0@Y#c2ِvC;P̖v43 s"Q>„g ([Pgz *M o i7鄃@88= I'I讦'5i5:_y2C:O_k FF" hDB8F#]Qtf!JuD4}"]UDF"hQDD#D}LY,}DYQD")E:3DIB"/&H%>^d1"O) CU L ` ᑡyCP@B!"L3@@A5Iu… j8 !B! 5')  B( faO xR ^nT0"[k`XUFBi]k-EPPT.EfT"[P]!"݄lmAl0nѬ<0v 5 4AS!*av6tl.* n TIH6頛 A6 Ba ]ޚAMTlh 7NSH6v TMa M l.Tm Tڪwtz}XIlѢN;GO*5dGWW6H\L$III?WI'hJnGfmyh'hZNW_> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im332 Do Q Q q BT 3 Tr /F333 9.20 Tf 49.92 695.76 TD (1 into advance fee loan modification agreements. PX 24 \(Redding\), Att. Y, 1070-77.) Tj /F334 13.31 Tf -1.20 -22.08 TD (2 It would be unreasonable and unrealistic for any of the named individual defendants) Tj /F334 13.29 Tf 0.24 -22.32 TD (3 to argue that they did not have knowledge of the acts and practices described herein.) Tj /F334 11.04 Tf -.24 -21.84 TD (4) Tj /F334 9.60 Tf 0.24 -22.08 TD (5) Tj /F334 11.84 Tf 120.72 11.04 TD (3.) Tj /F335 12.45 Tf 34.08 0.24 TD (The Balance of Equities Favors Issuance of An) Tj /F334 14.13 Tf -.24 -11.04 TD (Injunction) Tj /F333 9.66 Tf -154.56 -22.32 TD (6 The public interest in halting Defendants' misrepresentations and deceptive) Tj /F334 13.30 Tf 0.00 -22.08 TD (7 claims about their mortgage loan services, and in preserving assets for a meaningful) Tj /F335 12.07 Tf 0.24 -22.08 TD (8 monetary remedy, far outweighs any interest Defendants may have in continuing to) Tj /F333 8.95 Tf -.24 -21.84 TD (9 deceptively market their services. In balancing the hardships between the public and) Tj /F335 12.36 Tf -5.52 -21.84 TD (10 private interest, "public equities receive far greater weight." FTC v. Warner) Tj /F334 13.43 Tf 0.00 -22.08 TD (11 Commc'n Inc., 742 F.2d 1156,1165 \(9th Cir. 1984\); see also FTC v. Affordable) Tj /F334 13.37 Tf 0.00 -22.08 TD (12 Media, LLC, 179 F.3d 1228,1236 \(9th Cir. 1999\) \("Obviously, the public interest in) Tj /F335 12.49 Tf 0.00 -22.08 TD (13 preserving the ilicit proceeds. . . for restitution to the victims is great."\). Here, the) Tj /F334 13.39 Tf 0.00 -21.84 TD (14 balance tips strongly in favor of issuance of the requested TRO. Defendants' past) Tj /F335 12.34 Tf 0.00 -22.08 TD (15 law violations, hardly isolated in nature, strongly suggest they wil persist in) Tj /F335 12.07 Tf 0.00 -22.08 TD (16 defrauding consumers absent the requested injunctive relief. In contrast, "there is no) Tj /F335 12.17 Tf 0.00 -21.84 TD (17 oppressive hardship to defendants in requiring them to comply with the FTC Act,) Tj /F334 13.30 Tf 0.00 -22.08 TD (18 refrain from fraudulent representation or preserve their assets from dissipation or) Tj /F335 12.29 Tf 0.00 -22.08 TD (19 concealment." World Wide Factors, 882 F.2d at 347. The Court has no obligation to) Tj /F334 13.57 Tf -1.20 -22.08 TD (20 protect il-gotten profits or ilegal business interests. CFTC v. British Am.) Tj /F335 12.28 Tf 0.00 -22.08 TD (21 Commodity Options Corp., 560 F.2d 135, 143 \(2d. Cir. 1977\) \(citing FTC v.) Tj /F335 12.39 Tf 0.00 -21.84 TD (22 Thomsen-King & Co., 109 F.2d 516,519 \(7th Cir. 1940\)\). The public interest thus) Tj /F335 12.23 Tf 0.00 -22.08 TD (23 strongly favors entry of the requested Order.) Tj /F334 12.00 Tf 0.00 -22.08 TD (24) Tj /F334 11.52 Tf 0.00 -22.08 TD (25) Tj /F334 12.56 Tf 93.84 11.04 TD (C.) Tj /F334 14.10 Tf 33.60 0.24 TD (Injunctive Relief Prohibiting Future Misrepresentations and) Tj /F335 12.54 Tf 0.24 -11.52 TD (Collection of Advance Fees is Warranted) Tj /F333 10.22 Tf -127.68 -21.60 TD (26 To prevent ongoing consumer injury, the proposed TRO prohibits Defendants) Tj /F335 12.26 Tf 0.00 -22.08 TD (27 from making future misrepresentations concerning the provision of loan modification) Tj /F335 12.11 Tf 0.00 -22.08 TD (28 services and from collecting or charging fees in advance of performing any such) Tj /F334 10.80 Tf 246.72 -25.68 TD (40) Tj ET Q endstream endobj xref 1 2 0002535290 00000 n 0002535349 00000 n 329 7 0002535791 00000 n 0002535958 00000 n 0002588496 00000 n 0002536501 00000 n 0002536114 00000 n 0002536241 00000 n 0002536372 00000 n trailer << /Size 336 /Prev 2534959 /Root 1 0 R >> startxref 2592169 %%EOF % Page Description << /EndOffset 0002645162>> 1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [3 0 R 10 0 R 17 0 R 24 0 R 31 0 R 38 0 R 45 0 R 52 0 R 58 0 R 65 0 R 72 0 R 79 0 R 86 0 R 93 0 R 100 0 R 107 0 R 114 0 R 121 0 R 127 0 R 134 0 R 141 0 R 148 0 R 155 0 R 162 0 R 169 0 R 176 0 R 182 0 R 189 0 R 196 0 R 203 0 R 210 0 R 217 0 R 224 0 R 231 0 R 238 0 R 245 0 R 252 0 R 259 0 R 266 0 R 273 0 R 280 0 R 287 0 R 294 0 R 301 0 R 308 0 R 315 0 R 322 0 R 329 0 R 336 0 R ] /Count 49 >> endobj 336 0 obj << /Type /Page /Parent 2 0 R /Resources 337 0 R /Contents 338 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 614.40 792.00 ] >> endobj 337 0 obj << /XObject << /Im339 339 0 R>> /Font << /F340 340 0 R /F341 341 0 R /F342 342 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 340 0 obj << /Type /Font /Subtype /Type1 /Name /F340 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 341 0 obj << /Type /Font /Subtype /Type1 /Name /F341 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 342 0 obj << /Type /Font /Subtype /Type1 /Name /F342 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 339 0 obj << /Type /XObject /Subtype /Image /Name /Im339 /Width 2560 /Height 3300 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2560 /Rows 3300>> /Decode [0 1 ] /Length 47600 >> stream ֌ 7쑙r;;'fBUC)y:; Gel졕8#f\ϙ>W}[ d:PwapBBB¢n?ʧA3V@jn@i\4}4tp+?̭bs :/;XL:?׽8tStB"!Id8h#Z!H:ֈE/#HϢ1QĐRKDK$YEB>RS_:"4S;Ne:)b!QNt} SG |aND=C)‚ C !L BN"!PCȠ)D8 g@Sh!!L(S*!"lyB!D>A5D8/E)΂0L1:u:?FEP Pn6WFl]p!!ƍo XaAtB6U l#g 5mn.Q<"ݣ[h*aÂc`a"*5  Jm&A ڤlhH6Zi Ah ޞ wZ)auY;M ] ]! 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( a0@0B"%C 0v‚ !aa B" !aDDDDDDDDDDDq?FNU2tNS|ȔCPL: BQ 8K„K`xPmW c1@4Z:II;po^E'Amgm_꾞}'I]t믱_ӏZ]q] $&IW\ȠO x)TBL#-F(aXh0vjm i:Mw uK#_7M/jz߯ޖJk &l*[_/LJ./EZAj --_ D_A{/]*K*^o~_r ~JCUim5H륯kZ7ZIik ijaeiym'[Ci$-"Ъҵ]6Ҷm+Ն 6%4 Cg{ % $V T__"BbpȐ2$&bqv !}*!5A؄?bbaBaH[_*B"";a0e #?%h/DA` pto?__imXo;VO%oSI_]K_A_Z_պ _ZfQ// A/_/__H??  endstream endobj 338 0 obj << /Length 3181 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im339 Do Q Q q BT 3 Tr /F340 8.93 Tf 49.92 695.76 TD (1 services. As discussed above, this Court has broad equitable authority under Section) Tj /F340 8.92 Tf -1.20 -22.08 TD (2 1 3\(b\) of the FTC Act to grant ancilary relief necessary to accomplish complete) Tj /F340 9.04 Tf 0.24 -22.32 TD (3 justice. Amy Travel, 875 F.2d at 571-72; H.N. Singer, 668 F.2d at 1113; Five-Star) Tj /F341 13.41 Tf -.24 -21.84 TD (4 Auto Club, 97 F. Supp. 2d at 532-39. The prohibition against making material) Tj /F340 8.99 Tf 0.24 -22.08 TD (5 misrepresentations or omissions of fact in promoting any loan modification or) Tj /F340 8.96 Tf 0.00 -22.08 TD (6 foreclosure relief service does no more than order that Defendants comply with the) Tj /F341 13.43 Tf 0.00 -22.08 TD (7 FTC Act. The provision barring Defendants from charging or requesting advance) Tj /F342 12.20 Tf 0.24 -22.08 TD (8 fees from consumers in connection with the sale of any loan modification or) Tj /F340 8.89 Tf -.24 -21.84 TD (9 foreclosure relief service is necessary to prevent ongoing consumer injury. This) Tj /F342 12.18 Tf -5.52 -21.84 TD (10 second provision is justified by Defendants' past ilegal conduct and the high fees) Tj /F342 11.97 Tf 0.00 -22.08 TD (11 Defendants charge consumers who can least afford to pay them, resulting in) Tj /F342 12.29 Tf 0.00 -22.08 TD (12 devastating financial harm to many.) Tj /F342 13.00 Tf 0.00 -21.84 TD (13 The prohibition on advance fees also is consistent with relevant state laws) Tj /F341 13.39 Tf 0.00 -22.08 TD (14 regulating foreclosure consultants. These laws reflect widespread agreement that) Tj /F341 13.26 Tf 0.00 -22.08 TD (15 public policy favors delaying payment until foreclosure consultants actually perform) Tj /F342 12.23 Tf 0.00 -22.08 TD (16 the promised services, in light of the high risk for fraud coupled with enormous) Tj /F342 12.12 Tf 0.00 -21.84 TD (17 required fees. See supra note 12. The California legislature made express findings to) Tj /F341 13.37 Tf 0.00 -22.08 TD (18 this effect in enacting such a ban on advance fees:) Tj /F340 10.84 Tf 0.00 -22.08 TD (19 The Legislature finds and declares that homeowners whose) Tj /F341 15.41 Tf -1.20 -22.08 TD (20 residences are in foreclosure are subject to fraud, deception,) Tj /F341 15.46 Tf 0.00 -22.08 TD (21 harassment, and unfair dealing by foreclosure consultants. . . .) Tj /F341 15.58 Tf 0.00 -21.84 TD (22 These foreclosure consultants. . . often charge high fees. . . and) Tj /F342 14.18 Tf 0.00 -22.08 TD (23 perform no service or essentially a worthless service.) Tj /F342 13.94 Tf 0.00 -22.08 TD (24 Homeowners, relying on the foreclosure consultants' promises of) Tj /F342 13.88 Tf 0.00 -22.08 TD (25 help, take no other action, are diverted from lawful businesses) Tj /F342 13.74 Tf 0.00 -21.84 TD (26 which could render beneficial services, and often lose their homes.) Tj /F342 12.68 Tf 0.00 -22.08 TD (27 Cal. Civ. Code 2945.) 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'd>a0 {ja_ mY٪v:]?_o_Hc>k_/뿯B>ED#ZϢ_%@jE:>Z!!j}.R"]^jE:5eK&R8ZQNt}dStA>CG ~OLb`! ! &H4C )C) `O=C<(!"A@ SB( f?a~a[``Xѭ5 a"݂*i*k]#eڂX`[T£X`vBHM_H7ӄziA,A M ¦ 8H66Tl.j NA6mޝ 2 ¦ L(H6SPGM=^t&?I&?Ru?~뤛3hh.NVNVNfm`ˑgWOQM_> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im346 Do Q Q q BT 3 Tr /F347 9.69 Tf 49.92 695.76 TD (1 As the evidence demonstrates, Defendants' conduct fits squarely within this) Tj /F347 8.72 Tf -1.20 -22.08 TD (2 description, and thus, public policy militates against permitting Defendants to) Tj /F347 9.16 Tf 0.24 -22.32 TD (3 continue collecting advance fees.20 As described above, Defendants charge) Tj /F348 12.28 Tf -.24 -21.84 TD (4 thousands of dollars in fees up-front, and then do little or nothing of value for) Tj /F349 13.53 Tf 0.24 -22.08 TD (5 consumers after receiving payment. See supra Part IV.A. Those consumers targeted) Tj /F349 13.32 Tf 0.00 -22.08 TD (6 by Defendants' marketing can little afford to have thousands of dollars taken by) Tj /F348 12.27 Tf 0.00 -22.08 TD (7 Defendants or tied up with Defendants for months while little or nothing is done on) Tj /F347 9.24 Tf 0.24 -22.08 TD (8 their behalf. These consumers otherwise could use the money to continue paying) Tj /F347 9.27 Tf -.24 -21.84 TD (9 their mortgages or reduce other debt. Moreover, many consumers lose valuable time) Tj /F348 12.18 Tf -5.52 -21.84 TD (10 they otherwise could have used to work directly with their lenders. The requested) Tj /F349 13.26 Tf 0.00 -22.08 TD (11 preliminary injunctive relief is necessary to protect consumers from injury during the) Tj /F349 13.53 Tf 0.00 -22.08 TD (12 litigation and to stop further harm.) Tj /F348 13.31 Tf 0.00 -21.84 TD (13 Injunctive relief also is warranted given Defendants' knowing disregard for) Tj /F349 13.39 Tf 0.00 -22.08 TD (14 state laws prohibiting the collection of advance fees. Defendants have received) Tj /F349 13.39 Tf 0.00 -22.08 TD (15 notice in at least two states - California and Florida - that their conduct violates state) Tj /F348 12.21 Tf 0.00 -22.08 TD (16 statutes prohibiting the collection of up- front fees. However, Defendants did not) Tj /F349 13.36 Tf 0.00 -21.84 TD (17 discontinue their conduct in response to these notices.) Tj /F347 10.62 Tf 0.00 -22.08 TD (18 In May 2009, the DRE fied a D&R enjoining Defendants LMS, Dean Shafer,) Tj /F348 12.00 Tf 0.00 -22.08 TD (19 Bernadette Perry and Tony Perry, as well as several other LMS employees, from) Tj /F348 12.25 Tf -1.20 -22.08 TD (20 collecting advance fees in violation of section 10130 of the California Business &) Tj /F349 13.36 Tf 0.00 -22.08 TD (21 Professions Code. PX 24 \(Redding\), Att. X, at 1063-68.21 Later that same month,) Tj /F349 11.76 Tf 0.00 -21.84 TD (22) Tj /F349 11.28 Tf 0.00 -22.08 TD (23) Tj /F349 12.00 Tf 0.00 -22.08 TD (24) Tj /F349 11.52 Tf 0.00 -22.08 TD (25) Tj /F349 12.00 Tf 0.00 -21.84 TD (26) Tj /F349 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F349 13.08 Tf 59.76 106.32 TD (20 Defendants not only promise that they wil obtain loan modifications to) Tj /F348 11.81 Tf -34.32 -20.40 TD (help homeowners avoid foreclosure, see, e.g., PX 10 \(Ruiz\) ii 5, at 193, they) Tj /F349 13.14 Tf 0.00 -15.12 TD (promise that they wil assist consumers who already are in foreclosure, see, e.g.,) Tj /F348 12.52 Tf 0.24 -15.12 TD (PX 11 \(Ruiz\) iiii 3-4 & Att. E, at 205,211; PX 16 \(Turley\) iiii 29-30 & Att. V, at) Tj /F349 13.21 Tf 0.00 -15.12 TD (293-94,434; PX 23 \(Budich\), Att. A, at 643-46.) 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TݦA*h&tTm TH+'hIѠhI6OծN;AW9;G&*)89;EE&Ҽh ?Wz+?R}9;GWNNL|MW7t񵾓SvWtm/?M77?Z}%oTt7 _[kVT]}_i_Tޟ~ҧ__z~) >m~_/}/_ !N %0??GGc" _.a/ a_q_0 ? 0/ uAz_^7᾿w_i%H+d5_t_Ed5!Kۥt_ BKZ_O}_mm/;ihb_/a/u?_Ku׿uL/u8[\S u_80uϿS 0aa_Vկ+[` %v ]}_{ aVM #m(`ⵆ*apzKZ]D/mb% WwM{J#8 m^U0"00FqZiiER %m&**4J*)S);uM SvM6*aJ+SKWT'%NTh1 `j@  mP@bP60A0Aa ai6 a B@MSA B 0 0 0 ` A`D DA$Iaa DDDDA"PB DDDDa" a6w"" !CPB"""""""""""8F/-/CKAC +k`u-'8//_/iKA\'EOZioӯ /%bf/ endstream endobj 352 0 obj << /Length 3716 >> stream q q 614.40 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im353 Do Q Q q BT 3 Tr /F354 12.10 Tf 49.92 695.76 TD (1 Defendant Dean Shafer acknowledged the D&R in an email to Defendants Tony) Tj /F355 9.25 Tf -1.20 -22.08 TD (2 Perry and Bernadette Perry. He wrote that:) Tj /F355 10.19 Tf 0.24 -22.32 TD (3 \(WJith the advent of this action, the countdown has been triggered) Tj /F354 14.11 Tf -.24 -21.84 TD (4 and LMS wil at some point cease to exist at least in its current) Tj /F355 10.21 Tf 0.24 -22.08 TD (5 state. We of course expected this and planned for this. . .. The) Tj /F355 10.31 Tf 0.00 -22.08 TD (6 next level of response ultimately could end up with me going to) Tj /F354 15.34 Tf 0.00 -22.08 TD (7 jaiL. I wil of course be trying to mitigate this.) Tj /F356 13.22 Tf 0.24 -22.08 TD (8 PX 21 \(Sibner\), Att. A, at 571. Mr. Shafer also wrote that "\( w Jith people now) Tj /F356 13.31 Tf -.24 -21.84 TD (9 hammering for refunds, I have spent the last week night and day developing a counter) Tj /F354 12.38 Tf -5.52 -21.84 TD (10 refund insurgence system." Id. at 572.) Tj /F355 10.46 Tf 0.00 -22.08 TD (11 Despite these candid acknowledgments, neither LMS nor the named) Tj /F356 13.28 Tf 0.00 -22.08 TD (12 individuals has responded to the D&R, and LMS continues to market its services and) Tj /F354 12.16 Tf 0.00 -22.08 TD (13 collect advance fees. Indeed, Defendants not only privately, but also publicly have) Tj /F356 13.40 Tf 0.00 -21.84 TD (14 flouted California's prohibition on collecting advance fees. In March 2009,) Tj /F354 12.05 Tf 0.00 -22.08 TD (15 Defendant Dean Shafer admitted in a news interview that he was not following a state) Tj /F356 13.21 Tf 0.00 -22.08 TD (16 rule that limits the collection of up- front fees because "obeying the rule would) Tj /F354 12.46 Tf 0.00 -21.84 TD (17 deplete his working capital." PX 24 \(Redding\), Att. W, at 1055-61. Mr. Shafer was) Tj /F356 13.30 Tf 0.00 -22.08 TD (18 quoted as saying, "I'm all for rules and regulations, but they have to be for the good) Tj /F356 13.68 Tf 0.00 -22.08 TD (19 of the masses." Id.22) Tj /F356 12.00 Tf -1.20 -22.08 TD (20) Tj /F356 10.80 Tf 0.00 -22.08 TD (21) Tj /F356 11.76 Tf 0.00 -21.84 TD (22) Tj /F356 11.28 Tf 0.00 -22.08 TD (23) Tj /F356 12.00 Tf 0.00 -22.08 TD (24) Tj /F356 11.52 Tf 0.00 -22.08 TD (25) Tj /F356 12.00 Tf 0.00 -21.84 TD (26) Tj /F356 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F356 13.15 Tf 25.92 146.16 TD (enter into advance fee loan modification agreements. PX 24 \(Redding\), Att. Y, at) Tj /F355 8.89 Tf 0.96 -14.88 TD (1070- 77. Mr. Perry has not responded.) Tj /F356 13.16 Tf 32.88 -21.12 TD (22 LMS's initial marketing letter also violates California statutes which: \(l\)) Tj /F356 13.05 Tf -34.32 -20.40 TD (prohibit a person from using a lender's name or a consumer's loan amount in a) Tj /F356 13.02 Tf 0.72 -15.36 TD (solicitation without authorization unless the person equally prominently discloses) Tj /F356 13.15 Tf -.48 -14.88 TD (that he is not affiiated with, and not authorized by, the lender; and \(2\) prohibit the) Tj /F356 13.04 Tf -.24 -15.36 TD (use of names similar to those of consumers' lenders if such use could reasonably) Tj /F356 13.25 Tf 0.48 -15.12 TD (confuse or deceive consumers. Cal. Bus. & Prof. Code 14701-02. Despite) Tj /F356 13.02 Tf -.24 -14.88 TD (these provisions, Defendants prominently use both the lender's name and the) Tj /F356 13.02 Tf 0.24 -15.36 TD (consumer's loan amount in their direct mail solicitations, while including an) Tj /F356 10.32 Tf 220.80 -24.48 TD (43) Tj ET Q endstream endobj xref 1 2 0002703611 00000 n 0002703670 00000 n 350 7 0002704138 00000 n 0002704305 00000 n 0002755767 00000 n 0002704848 00000 n 0002704461 00000 n 0002704590 00000 n 0002704717 00000 n trailer << /Size 357 /Prev 2703280 /Root 1 0 R >> startxref 2759550 %%EOF % Page Description << /EndOffset 0002816149>> 1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [3 0 R 10 0 R 17 0 R 24 0 R 31 0 R 38 0 R 45 0 R 52 0 R 58 0 R 65 0 R 72 0 R 79 0 R 86 0 R 93 0 R 100 0 R 107 0 R 114 0 R 121 0 R 127 0 R 134 0 R 141 0 R 148 0 R 155 0 R 162 0 R 169 0 R 176 0 R 182 0 R 189 0 R 196 0 R 203 0 R 210 0 R 217 0 R 224 0 R 231 0 R 238 0 R 245 0 R 252 0 R 259 0 R 266 0 R 273 0 R 280 0 R 287 0 R 294 0 R 301 0 R 308 0 R 315 0 R 322 0 R 329 0 R 336 0 R 343 0 R 350 0 R 357 0 R ] /Count 52 >> endobj 357 0 obj << /Type /Page /Parent 2 0 R /Resources 358 0 R /Contents 359 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 614.40 792.00 ] >> endobj 358 0 obj << /XObject << /Im360 360 0 R>> /Font << /F361 361 0 R /F362 362 0 R /F363 363 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 361 0 obj << /Type /Font /Subtype /Type1 /Name /F361 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 362 0 obj << /Type /Font /Subtype /Type1 /Name /F362 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 363 0 obj << /Type /Font /Subtype /Type1 /Name /F363 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 360 0 obj << /Type /XObject /Subtype /Image /Name /Im360 /Width 2560 /Height 3300 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2560 /Rows 3300>> /Decode [0 1 ] /Length 50910 >> stream ֌ 7hݝ̊#$HS>q^M]_WWt)uuuC z^ޮ_WV-w=ZG=?NO[ӯ{jy??}_i{_:]7uwWU__uuL. o0uW[ikYź_kaPw~v^==ZI.vJi6a]L0K;Ua_ 1R # +glViZMհ*3¶wV mbv*\ Um+WOЄ;N;tIa&MIb6'(IiI ;WMM;i,6*m$IlRv? @0A ` `CTm i!!+ AaB"(1 @7  l D@C { )ڦ0A  HG"!@YE !‚F ‚gy! 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See generally PX 20 \(Lockwood\), at 539-63. Defendants) Tj /F362 12.14 Tf 0.00 -22.08 TD (6 have refused to provide assurances that they would comply with this provision, id.) Tj /F361 8.84 Tf 0.00 -22.08 TD (7 ii 11, at 541, and the Florida Attorney General continues to receive complaints from) Tj /F363 13.40 Tf 0.24 -22.08 TD (8 consumers who were charged advance fees, id. ii 12, at 541. When one Florida) Tj /F362 12.03 Tf -.24 -21.84 TD (9 consumer learned about the advance fee prohibition and confronted an LMS) Tj /F362 11.98 Tf -5.52 -21.84 TD (10 representative about it, the representative responded in an email that "if we were to) Tj /F363 13.26 Tf 0.00 -22.08 TD (11 provide our services and receive payment at completion most clients would not pay.") Tj /F363 13.13 Tf 0.00 -22.08 TD (12 PX 01 \(Anderson\) iiii 12- 1 4 & Att. E, at 3, 19. This sort of protection against false) Tj /F362 12.04 Tf 0.00 -21.84 TD (13 promises and non-performance, however, is exactly the point of such laws.) Tj /F362 13.13 Tf 0.00 -22.08 TD (14 The balance of equities, as well as public policy as articulated in the laws of) Tj /F363 13.29 Tf 0.00 -22.08 TD (15 California, Florida, and other states banning advance fees, favors entry of an order) Tj /F361 9.27 Tf 0.00 -22.08 TD (16 enjoining Defendants from continuing to engage in deceptive conduct and from) Tj /F361 9.35 Tf 0.00 -21.84 TD (17 collecting advance fees from consumers.) Tj /F363 10.56 Tf 0.00 -22.08 TD (18) Tj 0.00 -22.08 TD (19) Tj /F363 12.10 Tf 58.56 11.04 TD (D.) Tj /F363 14.00 Tf 33.60 0.00 TD (An Asset Preservation Order is Necessary to Preserve the Possibilty) Tj /F362 12.91 Tf 0.48 -11.28 TD (of Final Effective Relief) Tj /F362 13.47 Tf -93.84 -21.84 TD (20 In addition to injunctive relief, the FTC will seek a final order with monetary) Tj /F361 8.91 Tf 0.00 -22.08 TD (21 redress. To preserve the availability of funds to redress consumers and to determine) Tj /F362 11.92 Tf 0.00 -21.84 TD (22 the scope of the harm, the FTC requests that the Court issue an order requiring the) Tj /F362 12.16 Tf 0.00 -22.08 TD (23 preservation of assets and evidence. Such an order is well within the Court's) Tj /F361 9.44 Tf 0.00 -22.08 TD (24 authority. See CFTC v. Am. Metals Exch. Corp., 991 F.2d 71,79 \(3d Cir. 1993\); FTC) Tj /F361 9.10 Tf 0.00 -22.08 TD (25 v. World Travel Vacation Brokers, Inc., 861 F.2d 1020, 1031 \(7th Cir. 1988\)) Tj /F363 13.29 Tf 0.00 -21.84 TD (26 \(affirming asset freeze obtained by FTC\); H.N. Singer, 668 F.2d at 1111-13 \(same\);) Tj /F363 11.76 Tf 0.00 -22.08 TD (27) Tj /F362 12.25 Tf 0.00 -22.08 TD (28 inconspicuous disclaimer in small print at the bottom of the letter.) 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Group, L.L.C., 21 F. Supp. 2d 424,462 \(D.N.J. 1998\) \("\(AJ) Tj /F368 8.52 Tf -1.20 -22.08 TD (2 freeze of the assets of all Defendants is appropriate to preserve those assets for) Tj /F368 8.89 Tf 0.24 -22.32 TD (3 possible restitution awards."\). Moreover, the Ninth Circuit and other courts have) Tj /F369 13.38 Tf -.24 -21.84 TD (4 imposed asset freezes on the basis of the mere possibility of dissipation. See, e.g.,) Tj /F369 13.33 Tf 0.24 -22.08 TD (5 FSLIC v. Sahni, 868 F.2d 1096, 1097 \(9th Cir. 1989\) \(holding that when a) Tj /F370 12.05 Tf 0.00 -22.08 TD (6 government agency is the movant, the possibility of a dissipation of assets is) Tj /F369 13.04 Tf 0.00 -22.08 TD (7 sufficient to justify a freeze\). 23) Tj /F369 14.49 Tf 0.24 -22.08 TD (8 An asset freeze is appropriate where, as here, there is a large magnitude of) Tj /F368 8.56 Tf -.24 -21.84 TD (9 financial injury and a risk of dissipation.24 See, e.g., FTC v. USA Bevs., Inc., No. 05-) Tj /F369 13.51 Tf -5.52 -21.84 TD (10 61682,2005 WL 5654219, at *8-9 \(S.D. Fla. Dec. 5,2005\) \(noting considerable) Tj /F369 13.36 Tf 0.00 -22.08 TD (11 motivation to hide assets because of potential size of monetary remedy\). According) Tj /F369 13.29 Tf 0.00 -22.08 TD (12 to an LMS "Profit and Loss Statement," between October 2008 and April 2009, LMS) Tj /F370 12.64 Tf 0.00 -22.08 TD (13 took in approximately $4.5 milion in "Loan Mod Fees." PX 21 \(Sibner\), Att. D, at) Tj /F369 13.22 Tf 0.00 -21.84 TD (14 580 \(CD-ROM, Tab "PL081 1 -0904"\). Yet, according to an LMS "Summary Balance) Tj /F368 5.00 Tf 0.00 -22.08 TD (15 Sheet," at the end of ) Tj /F369 13.09 Tf 134.16 0.00 TD (that period, LMS had an aggregate negative balance of) Tj /F370 12.38 Tf -134.16 -22.08 TD (16 $1,420.94 in its bank accounts. Id. \(Tab "BS081 1-0904"\). Similarly, on May 28,) Tj /F370 12.06 Tf 0.00 -21.84 TD (1 7 2009, Defendant Dean Shafer wrote in an email to LMS senior officials and investors) Tj /F370 12.41 Tf 0.00 -22.08 TD (18 that "there is about 3 milion dollars in mods that \(areJ not completed." Id., Att. A.) Tj /F369 10.56 Tf 0.00 -22.08 TD (19) Tj /F369 12.00 Tf -1.20 -22.08 TD (20) Tj /F369 10.80 Tf 0.00 -22.08 TD (21) Tj /F369 11.76 Tf 0.00 -21.84 TD (22) Tj /F369 11.28 Tf 0.00 -22.08 TD (23) Tj /F369 12.00 Tf 0.00 -22.08 TD (24) Tj /F369 12.97 Tf 59.52 94.08 TD (23 Moreover, the requested relief is similar to that ordered in prior FTC) Tj /F369 13.11 Tf -33.60 -20.64 TD (cases in the Central District of California. See, e.g., FTC v. Fed. Loan) Tj /F369 13.16 Tf -.96 -15.12 TD (Modifcation Law Ctr., LLP, No. SACV 09-401-CJC\(MLGx\) \(C.D. Cal. Apr. 10,) Tj /F369 13.27 Tf 0.72 -15.12 TD (2009\) \(grant ofTRO with asset freeze\); FTC v. Natl Foreclosure Relief, Inc., No.) Tj /F370 12.30 Tf 0.48 -15.36 TD (SACV09-1 17-DOC \(MLGx\), 2009 WL 650401, at *1 \(C.D. Cal. Mar. 6,2009\)) Tj /F369 13.02 Tf -.24 -17.52 TD (\(grant of TRO with asset freeze\); FTC v. Productive Mktg., Inc., 136 F. Supp. 2d) Tj /F369 12.89 Tf 0.96 -12.48 TD (1096, 1100 \(C.D. Cal. 2001\).) Tj /F369 11.52 Tf -26.88 -19.92 TD (25) Tj /F369 13.09 Tf 59.76 -1.20 TD (24 Defendant Dean Shafer ilustrated this risk in an email on May 28, 2009,) Tj /F369 13.03 Tf -33.84 -20.40 TD (in which he wrote that the issuance of the D&R ordering Defendants to stop) Tj /F368 9.32 Tf -25.92 -22.32 TD (27 collecting advance fees meant that "the countdown has been triggered and LMS) Tj /F369 13.25 Tf 25.44 -8.16 TD (wil at some point cease to exist at least in its current state. We of course expected) Tj /F369 13.20 Tf 0.24 -14.88 TD (this and planned for this." PX 21 \(Sibner\), Att. A, at 571.) 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Id., Att. D \(CD-ROM, Tab) Tj /F375 13.31 Tf -.24 -21.84 TD (4 "BS0811-0904"\).25 Such a situation is consistent with a business that is using) Tj /F375 13.26 Tf 0.24 -22.08 TD (5 advance fees to fund ongoing operations.26) Tj /F377 9.31 Tf 0.00 -22.08 TD (6 Defendants' potential liability thus already exceeds the funds that are available) Tj /F377 9.02 Tf 0.00 -22.08 TD (7 for redress by nearly threefold, and any new business expenditures would jeopardize) Tj /F377 8.56 Tf 0.24 -22.08 TD (8 the possibility of effective relief. When a district court determines that the FTC is) Tj /F377 8.37 Tf -.24 -21.84 TD (9 likely to prevail in a final determination on the merits, it has "a duty to ensure that) Tj /F377 8.69 Tf -5.52 -21.84 TD (10 ... assets. . . \(areJ available to make restitution to the injured customers." World) Tj /F375 13.27 Tf 0.00 -22.08 TD (11 Travel Vacation Brokers, 861 F .2d at 1031. To help ensure the availability of assets,) Tj /F375 13.27 Tf 0.00 -22.08 TD (12 preserve the status quo, and guard against the dissipation and diversion of assets, the) Tj /F375 13.35 Tf 0.00 -21.84 TD (13 Court may issue an order freezing Defendants' assets. Not only may the Court freeze) Tj /F375 13.28 Tf 0.00 -22.08 TD (14 the assets of the corporate defendants, it may freeze the assets of the individual) Tj /F376 12.00 Tf 0.00 -22.08 TD (15 defendants where, as here, the individual defendants controlled the deceptive activity) Tj /F376 11.91 Tf 0.00 -22.08 TD (16 and had actual or constructive know ledge of the deceptive nature of the practices in) Tj /F375 13.37 Tf 0.00 -21.84 TD (17 which they were engaged. Amy Travel, 875 F.2d at 574-75; Natl Credit Mgmt., 21) Tj /F375 10.56 Tf 0.00 -22.08 TD (18) Tj 0.00 -22.08 TD (19) Tj /F375 12.00 Tf -1.20 -22.08 TD (20) Tj /F375 10.80 Tf 0.00 -22.08 TD (21) Tj /F375 11.76 Tf 0.00 -21.84 TD (22) Tj /F375 11.28 Tf 0.00 -22.08 TD (23) Tj /F375 12.00 Tf 0.00 -22.08 TD (24) Tj /F375 11.52 Tf 0.00 -22.08 TD (25) Tj /F375 12.00 Tf 0.00 -21.84 TD (26) Tj /F375 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F375 13.00 Tf 59.52 182.16 TD (25 LMS characterized $501,181 as "Fixed Assets," which presumably are) Tj /F375 13.16 Tf -34.08 -20.40 TD (not available to fund operations or pay refunds. Another $239,248 in assets is) Tj /F375 13.04 Tf 0.48 -15.60 TD (characterized as "Accounts Receivable," but the company also lists "Accounts) Tj /F375 13.16 Tf -.24 -14.88 TD (Payable" of $242,853, greater than the amount of "Accounts Receivable." LMS) Tj /F375 13.12 Tf -.24 -15.12 TD (reported "Other Current Assets" of $266,644, but this consists almost entirely of) Tj /F375 13.16 Tf 0.00 -15.12 TD (merchant reserves with PayPal and Monterrey Bank. Finally, LMS reported) Tj /F375 13.10 Tf 0.00 -15.12 TD (having another $80,400 in "Other Assets," which consist of "Security Deposits.") Tj /F375 12.96 Tf 0.24 -15.12 TD (PX 21 \(Sibner\), Att. D, at 580 \(CD-ROM, Tab "B5081 1-0904"\).) Tj /F375 12.98 Tf 34.08 -21.12 TD (26 Further supporting this conclusion, Mr. Shafer explained in an interview) Tj /F375 13.12 Tf -34.32 -20.40 TD (reported on March 27, 2009 that "obeying the rule \(prohibiting collection of) Tj /F375 13.11 Tf 0.48 -15.12 TD (advance feesJ would deplete his working capital and cripple the company." PX 24) Tj /F375 12.98 Tf 0.00 -17.76 TD (\(Redding\), Att. W, at 1055-61.) 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Tj /F382 9.45 Tf 0.24 -22.32 TD (3 In addition to a provision directing Defendants not to dissipate or conceal) Tj /F382 8.92 Tf -.24 -21.84 TD (4 assets, the FTC seeks a provision in the TRO directing banks and other financial) Tj /F382 8.64 Tf 0.24 -22.08 TD (5 institutions to freeze Defendants' assets in their custody or control. This Court has) Tj /F383 13.31 Tf 0.00 -22.08 TD (6 the authority to direct its order to such third parties to preserve assets that are easily) Tj /F384 12.37 Tf 0.00 -22.08 TD (7 dissipated and may be difficult or impossible to trace. See First Natl City Bank, 379) Tj /F382 8.99 Tf 0.24 -22.08 TD (8 U.S. at 385; see also Reebok Intl Ltd. v. McLaughlin, 49 F.3d 1387, 1391 \(9th Cir.) Tj /F382 9.38 Tf -.24 -21.84 TD (9 1995\); Waffenschmidt v. Mackay, 763 F.2d 711,714 \(5th Cir. 1985\).) Tj /F384 13.04 Tf -5.52 -21.84 TD (10 Finally, the FTC seeks an immediate accounting of Defendants' assets. The) Tj /F383 13.28 Tf 0.00 -22.08 TD (11 FTC requests that the Court order Defendants to complete and return to the FTC) Tj /F383 13.37 Tf 0.00 -22.08 TD (12 financial statements on the forms attached to the proposed TRO. An accounting and) Tj /F383 13.42 Tf 0.00 -21.84 TD (13 financial statements, combined with an asset freeze, wil increase the likelihood of) Tj /F382 5.00 Tf 0.00 -22.08 TD (14 preserving existing assets pending final determination of ) Tj /F383 13.20 Tf 324.00 0.00 TD (this matter. See, e.g., SEC) Tj /F382 9.33 Tf -324.00 -22.08 TD (15 v. Parkersburg Wireless LLC, 156 F.R.D. 529, 532 n.3 \(D.D.C. 1994\); SEC v.) Tj /F383 13.48 Tf 0.00 -22.08 TD (16 Bankers Allance Corp., 881 F. Supp. 673, 676-78 \(D.D.C. 1995\).) Tj /F384 13.11 Tf 0.00 -21.84 TD (17 Here, Defendants' ongoing fraud demonstrates their wilingness to engage in) Tj /F383 13.37 Tf 0.00 -22.08 TD (18 wrongdoing. The possibility of a large monetary judgment provides Defendants with) Tj /F383 13.38 Tf 0.00 -22.08 TD (19 ample incentive to conceal or dissipate otherwise recoverable assets. Without an) Tj /F384 12.21 Tf -1.20 -22.08 TD (20 immediate freeze of the recoverable assets of Defendants, it is unlikely that funds wil) Tj /F383 10.80 Tf 0.00 -22.08 TD (21) Tj /F383 11.76 Tf 0.00 -21.84 TD (22) Tj /F383 11.28 Tf 0.00 -22.08 TD (23) Tj /F383 12.00 Tf 0.00 -22.08 TD (24) Tj /F383 11.52 Tf 0.00 -22.08 TD (25) Tj /F383 12.00 Tf 0.00 -21.84 TD (26) Tj /F383 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F383 12.98 Tf 59.52 64.80 TD (27 Further, the Court can order Defendants' assets to be frozen whether the) Tj /F383 13.28 Tf -33.60 -20.40 TD (assets are inside or outside the United States. United States v. First Natl City) Tj /F383 13.14 Tf -.72 -15.12 TD (Bank, 379 U.S. 378, 384 \(l965\) \("Once personal jurisdiction of a party is obtained,) Tj /F384 12.09 Tf 0.48 -15.12 TD (the District Court has authority to order it to 'freeze' property under its control,) Tj /F383 13.05 Tf -.24 -15.36 TD (whether the property be within or without the United States."\).) 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Tj /F389 13.64 Tf 33.84 0.00 TD (Limited Expedited Discovery is Necessary) Tj /F391 9.70 Tf -120.96 -22.08 TD (4 The Court should grant the FTC's request for limited discovery to locate and) Tj /F389 13.27 Tf 0.24 -22.08 TD (5 identify consumers, documents, and assets, and determine the status of Defendants') Tj /F389 13.30 Tf 0.00 -22.08 TD (6 work on each consumer's case, and to identify the individuals whom Defendants use) Tj /F390 12.21 Tf 0.00 -22.08 TD (7 to negotiate with consumers' lenders. District courts are authorized to depart from) Tj /F389 13.31 Tf 0.24 -22.08 TD (8 normal discovery procedures and fashion discovery to meet discovery needs in) Tj /F391 8.59 Tf -.24 -21.84 TD (9 particular cases. Fed. R. Civ. P. 26\(d\), 33\(a\), 34\(b\) \(authorizing alteration of) Tj /F390 12.16 Tf -5.52 -21.84 TD (10 standard discovery provisions, including applicable time frames governing) Tj /F390 12.27 Tf 0.00 -22.08 TD (11 depositions and production of documents\). Such a departure is justified in light of) Tj /F390 12.26 Tf 0.00 -22.08 TD (12 the Court's broad and flexible authority in equity to grant preliminary emergency) Tj /F389 13.46 Tf 0.00 -21.84 TD (13 relief in cases involving the public interest. See, e.g., Gil, 183 F. Supp. 2d at 1177) Tj /F389 13.28 Tf 0.00 -22.08 TD (14 \(noting grant of expedited discovery\); Productive Mktg., 136 F. Supp. 2d at 1100) Tj /F390 12.07 Tf 0.00 -22.08 TD (15 \(same\); see also FSLIC v. Dixon, 835 F.2d 554, 557, 562 \(5th Cir. 1987\); Fed.) Tj /F390 12.09 Tf 0.00 -22.08 TD (16 Express Corp. v. Fed. Espresso, Inc., No. 97CV1219RSPGJD, 1997 WL 736530, at) Tj /F389 13.29 Tf 0.00 -21.84 TD (17 *2 \(N.D.N.Y. N ov. 24, 1997\). In this case, limited expedited discovery is crucial for) Tj /F390 12.31 Tf 0.00 -22.08 TD (18 several reasons. First, it wil aid in locating and securing assets for final relief and) Tj /F390 12.22 Tf 0.00 -22.08 TD (19 ensuring compliance with any asset freeze the Court may order. Second, it wil help) Tj /F389 13.30 Tf -1.20 -22.08 TD (20 preserve documents that are necessary to determine the scope of consumer injury and) Tj /F389 13.34 Tf 0.00 -22.08 TD (21 mitigate further injury, including documents necessary to determine whether and, if) Tj /F389 13.29 Tf 0.00 -21.84 TD (22 so, what Defendants have done to advance consumers' loan modification requests.) Tj /F391 8.89 Tf 0.00 -22.08 TD (23 Third, it wil aid in ensuring that Defendants comply with the injunctive provisions of) Tj /F389 12.00 Tf 0.00 -22.08 TD (24) Tj /F389 11.52 Tf 0.00 -22.08 TD (25) Tj /F389 12.00 Tf 0.00 -21.84 TD (26) Tj /F389 11.76 Tf 0.00 -22.08 TD (27) Tj 0.00 -22.08 TD (28) Tj /F389 12.97 Tf 59.76 64.80 TD (28 The proposed TRO also contains a provision directing Defendants to) Tj /F389 13.16 Tf -34.32 -20.40 TD (preserve records and evidence. It is appropriate to enjoin Defendants charged with) Tj /F389 13.04 Tf 0.48 -15.36 TD (deception from destroying evidence and doing so would place no significant) Tj /F390 11.84 Tf -.48 -15.12 TD (burden on them. See SEC v. Unifund SAL, 910 F.2d 1028,1040 n.1 1 \(2d Cir.) Tj /F389 12.99 Tf 1.44 -14.88 TD (1990\) \(characterizing such orders as "innocuous"\).) 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C, at 270.)Tj EMC /P <>BDC 72 0 0 72 42.24 211.2 Tm (23 * * * )Tj EMC /TD <>BDC /T1_2 1 Tf 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /TD <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /TD <>BDC 12 0 0 12 42.24 145.2 Tm (26 )Tj EMC /TD <>BDC 13.14 0 0 13.14 102 150.72 Tm (4 The representative asked the investigator for only: his mortgage balan\ ce; )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /TD <>BDC 13.03 0 0 13.03 67.68 130.32 Tm (his total monthly payment amount; his interest rate and whether the rate\ had )Tj 13.15 0 0 13.15 68.16 114.96 Tm (changed; whether he had fied for bankruptcy; and whether he was late on \ his )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC /TD <>BDC 13.2 0 0 13.2 67.68 100.08 Tm (payments. PX 22 \(Figueroa\), Att. 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Your application has been accepted for a\001 )Tj 11.16 0 0 11.16 48.72 673.68 Tm (2 loan modification. I have attached the payment forms to\001 )Tj 10.95 0 0 10.95 48.96 651.36 Tm (3 process the fee for your loan modification. The processing\001 )Tj 11.02 0 0 11.02 48.72 629.52 Tm (4 fee for your loan modification is $3,500. PX 18 \(Wells\),\001 )Tj EMC /P <>BDC /T1_1 1 Tf 23.05 0 0 23.05 48.96 607.44 Tm (5 Att. E, at 475.)Tj EMC /P <>BDC /T1_0 1 Tf 60.86 0 0 60.86 48.96 585.36 Tm (6 * * *\001 )Tj EMC /P <>BDC 11.54 0 0 11.54 48.96 563.28 Tm (7 Your loan modification application was reviewed and\001 )Tj 11.04 0 0 11.04 49.2 541.2 Tm (8 accepted. I have attached the payment form to process the\001 )Tj -0.022 -1.978 Td (9 fee for your loan modification. The fee for your loan\001 )Tj EMC /P <>BDC /T1_1 1 Tf 15.4 0 0 15.4 43.44 497.52 Tm (10 modification is $3,500. PX 19 \(White\), Att. B, at 523.\001 )Tj 13.06 0 0 13.06 43.44 475.44 Tm (11 These misrepresentations are particularly pernicious. They exploit co\ nsumers'\001 )Tj 12.01 0 0 12.01 43.44 453.36 Tm (12 hope that someone can help them find a way out of a financial predica\ ment that\001 )Tj EMC /P <>BDC /T1_0 1 Tf 9.13 0 0 9.13 43.44 431.52 Tm (13 threatens their home. In each case above, the consumer paid LMS its r\ equested up\255)Tj EMC /P <>BDC /T1_1 1 Tf 12.42 0 0 12.42 43.44 409.44 Tm (14 front fee. PX 16 \(Turley\) ii 8, at 288; PX 13 \(Stewart\) ii 9, at \ 251; PX 18 \(Wells\) )Tj EMC /P <>BDC /T1_2 1 Tf 13.31 0 0 13.31 43.44 387.36 Tm (15 ii 10, at 441; PX 19 \(White\) ii 10, at 494. In each case, LMS faile\ d to obtain the )Tj EMC /P <>BDC /T1_1 1 Tf 12.39 0 0 12.39 43.44 365.28 Tm (16 promised loan modification. PX 16 \(Turley\) ii 27, at 293; PX 13 \(S\ tewart\) ii 13, at )Tj EMC /P <>BDC /T1_2 1 Tf 13.33 0 0 13.33 43.44 343.44 Tm (17 252; PX 18 \(Wells\) ii 16, at 443; PX 19 \(White\) ii 16, at 495. In\ one case, the )Tj EMC /P <>BDC /T1_1 1 Tf 12.23 0 0 12.23 43.44 321.36 Tm (18 consumer lost her home. PX 13 \(Stewart\) ii 17, at 253. )Tj EMC /P <>BDC /T1_2 1 Tf 10.56 0 0 10.56 43.44 299.28 Tm (19 )Tj EMC /Span <>BDC 11.84 0 0 11.84 135.84 288.24 Tm (4. )Tj EMC /Span <>BDC 13.98 0 0 13.98 169.68 288.24 Tm (Defendants Make Various Other Misrepresentations to Entice)Tj EMC /P <>BDC 12 0 0 12 42.24 277.2 Tm (20 )Tj 13.95 0 0 13.95 169.92 276.96 Tm (Consumers to Pay an Up-Front Fee )Tj 14.52 0 0 14.52 42.24 255.12 Tm (21 Defendants make numerous other misrepresentations to further entice )Tj EMC /P <>BDC /T1_0 1 Tf 5 0 0 5 42.24 233.28 Tm (22 consumers to pay an up-front fee, and to cover up their lack of \001)Tj EMC /P <>BDC /T1_2 1 Tf 13.22 0 0 13.22 397.44 233.04 Tm (work on behalf of )Tj 13.64 0 0 13.64 42.24 211.2 Tm (23 consumers once the fee is paid. )Tj EMC /P <>BDC /T1_1 1 Tf 13.21 0 0 13.21 42.24 189.12 Tm (24 Defendants convince consumers that the process wil be "quick and easy\ " if )Tj 12.43 0 0 12.43 42.24 167.04 Tm (25 they hire Direct Lender or LMS, PX 02 \(Bavadi\) ii 4, at 20, often b\ y telling )Tj 12.41 0 0 12.41 42.24 145.2 Tm (26 consumers that their loan modifications wil be complete within 30-90 \ days. PX 14 )Tj 12.29 0 0 12.29 42.24 123.12 Tm (27 \(Studt\) ii 3, at 280 \(six weeks\); PX 16 \(Turley\) ii 4, at 288 \(\ 30-45 days\); PX 10 \(Ruiz\) )Tj EMC /Span <>BDC /T1_2 1 Tf 13.28 0 0 13.28 42.24 101.04 Tm (28 ii 7, at 194 \(three months\); PX 23 \(Budich\), Att. A, at 646 \(30 \ days to a few months\); )Tj EMC /Artifact <>BDC 9.12 0 0 9.12 290.16 75.12 Tm (13 )Tj EMC ET endstream endobj 506 0 obj <> endobj 507 0 obj <> endobj 508 0 obj <> endobj 509 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 510 0 obj <> endobj 511 0 obj <>stream H\0E/gE|@b .bڪ7" ! }}_ ±+_}7x41]/1&sL/Li&a(|~y߷ϼxw5ISghIcן/~]6 oX!ݼoL$K`J4:ПRvgm+Rf6̱՛mgvV <<)&X+!(PT +G *4 $@K ( ; ( ( ( ( ( ( ( ( ( ( ( ( ( (**fs(s!l%qAY΂$,,#PD~džjGM7EA7ήdHXlЍD Fb-\¢kU߳ _,r˯sGʀ\#%0a/{%{K9y){yUγ_Ѻg/ x>98\8>Tc_2"elqJu}e)?E.c endstream endobj 512 0 obj [1/space] endobj 513 0 obj <> endobj 514 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 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V, at 295-96,434; PX 11 \(Ruiz\) iiii 3-4 & At\ t. E, at 205,211.\001 )Tj 13.32 0 0 13.32 48.72 673.68 Tm (2 The solicitations arrive at consumers' homes in a window-type envelope\ , addressed\001 )Tj EMC /P <>BDC /T1_1 1 Tf 9.25 0 0 9.25 48.96 651.36 Tm (3 so that showing through the window just above the consumer's name and \ address, in\001 )Tj EMC /P <>BDC 8.92 0 0 8.92 48.72 629.52 Tm (4 bold print, is the name of the consumer's mortgage lender or servicer \ followed by a\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.33 0 0 12.33 48.96 607.44 Tm (5 hyphen and the phrase "Loan Modification Notice." Immediately above th\ at notation )Tj EMC /P <>BDC /T1_1 1 Tf 9 0 0 9 48.96 585.36 Tm (6 is what appears to be a serial number or account number. See, e.g., PX\ 04 \(Dondi\),\001 )Tj EMC /P <>BDC 8.8 0 0 8.8 48.96 563.28 Tm (7 Att. A, at 52; PX 16 \(Turley\), Atts. A, V, at 298,434; PX 10 \(Ruiz\)\ , Att. A, at 200;\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.6 0 0 12.6 49.2 541.2 Tm (8 PX 18 \(Wells\), Att. A, at 447; PX 06 \(Luke\), Att. A, at 112; PX 03\ \(Browne\), Att. A, )Tj EMC /P <>BDC 12.46 0 0 12.46 48.96 519.36 Tm (9 at 31; PX 08 \(Osorio\), Att. A, at 178; PX 01 \(Anderson\), Att. A, a\ t 6. )Tj 12.99 0 0 12.99 43.44 497.52 Tm (10 Upon opening the envelope, the consumer finds a one-page notice which\ )Tj 12.19 0 0 12.19 43.44 475.44 Tm (11 includes, at the top left, in bold lettering where a company name or \ logo typically )Tj EMC /P <>BDC /T1_0 1 Tf 13.37 0 0 13.37 43.44 453.36 Tm (12 would appear, only the generic name "Loss Mitigation Services." Immed\ iately below )Tj EMC /P <>BDC /T1_2 1 Tf 12.34 0 0 12.34 43.44 431.28 Tm (13 this line, Defendants print the phrase "Original Loan Amount," follow\ ed by the )Tj 12.21 0 0 12.21 43.44 409.44 Tm (14 homeowner's loan amount. Immediately below that is a purported "Custo\ mer Code." )Tj EMC /P <>BDC /T1_0 1 Tf 13.28 0 0 13.28 43.44 387.36 Tm (15 Below the customer code is the address block, which shows through the\ envelope )Tj EMC /P <>BDC /T1_1 1 Tf 11.48 0 0 11.48 43.44 365.28 Tm (16 window.\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.28 0 0 13.28 43.44 343.44 Tm (17 At the top right of the letter, in all-capital, bold lettering, Defen\ dants have )Tj EMC /P <>BDC /T1_0 1 Tf 13.5 0 0 13.5 43.44 321.36 Tm (18 printed the phrase "FINAL NOTICE" and have indicated that the notice \ was )Tj 13.49 0 0 13.49 43.44 299.28 Tm (19 "FILED ON" a date that appears to reflect the mailing date of the sol\ icitation. The )Tj 13.31 0 0 13.31 42.24 277.2 Tm (20 top portion of a typical initial solicitation letter appears as follo\ ws \(redacted to omit )Tj EMC /P <>BDC /T1_2 1 Tf 12.76 0 0 12.76 42.24 255.12 Tm (21 personally-identifiable information\): )Tj EMC /P <>BDC /T1_0 1 Tf 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj 13.79 0 0 13.79 102 222.24 Tm [(LOSS MITIGATION SERVICES )-4497(FINAL NOTICE )]TJ 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj /T1_2 1 Tf 12.43 0 0 12.43 102.24 210.96 Tm (Original Loan Amount: $xxx,xxx)Tj /T1_1 1 Tf 12.22 0 0 12.22 355.92 211.2 Tm (FILED ON:)Tj /T1_0 1 Tf 12.9 0 0 12.9 102.24 199.92 Tm (Customer Code: \(---------\))Tj EMC /P <>BDC /T1_1 1 Tf 47.75 0 0 47.75 42.24 189.12 Tm (24 03/13/2009\001)Tj EMC /P <>BDC /T1_2 1 Tf 41.38 0 0 41.38 42.24 167.04 Tm (25 For Your Information )Tj EMC /P <>BDC /T1_0 1 Tf 13.14 0 0 13.14 356.16 156 Tm (Call \(866\) 371-7588 )Tj EMC /P <>BDC /T1_1 1 Tf 11.97 0 0 11.97 42.24 145.2 Tm (26 \(S E R I A L N U M B E R J\001)Tj EMC /P <>BDC /T1_0 1 Tf 13.67 0 0 13.67 102 134.16 Tm (Re: Chase Home Finance LIe - Loan Modification Notice )Tj EMC /P <>BDC /T1_1 1 Tf 13.7 0 0 13.7 42.24 123.12 Tm (27 \(Consumer's NameJ\001 )Tj EMC /P <>BDC 9.64 0 0 9.64 102.72 109.68 Tm (\(Consumer's AddressJ\001)Tj EMC /P <>BDC /T1_0 1 Tf 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC /Artifact <>BDC 10.32 0 0 10.32 288.96 75.36 Tm (23 )Tj EMC ET endstream endobj 748 0 obj <> endobj 749 0 obj <> endobj 750 0 obj <> endobj 751 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 752 0 obj <> endobj 753 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 754 0 obj [1/space] endobj 755 0 obj <> endobj 756 0 obj <>stream H\0E @zmfӸ$=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 757 0 obj [1/space] endobj 758 0 obj <> endobj 759 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.6 0 0 13.6 49.92 695.76 Tm (1 we wil give you your money back. That guarantee is in writing." PX 23 \ \(Budich\), )Tj EMC /P <>BDC /T1_1 1 Tf 13.27 0 0 13.27 48.72 673.68 Tm (2 Att. F, at 667. )Tj EMC /P <>BDC /T1_2 1 Tf 9.58 0 0 9.58 48.96 651.36 Tm (3 Defendants' false representation that it offers a money-back guarantee\ not only\001 )Tj EMC /P <>BDC 5 0 0 5 48.72 629.52 Tm (4 violates Section 5 of \001)Tj EMC /P <>BDC /T1_0 1 Tf 13.05 0 0 13.05 178.32 629.52 Tm (the FTC Act, 15 U.S.C. \247 45, it adds insult to injury for )Tj EMC /P <>BDC /T1_1 1 Tf 12.35 0 0 12.35 48.96 607.44 Tm (5 consumers who already are in dire straits. After failing to obtain loa\ n modifications )Tj EMC /P <>BDC /T1_0 1 Tf 13.3 0 0 13.3 48.96 585.36 Tm (6 for consumers and often leaving them in a worse position than when the\ y started, )Tj EMC /P <>BDC /T1_1 1 Tf 12.09 0 0 12.09 48.96 563.28 Tm (7 Defendants walk away with thousands of dollars that consumers might ot\ herwise )Tj EMC /P <>BDC /T1_0 1 Tf 13.46 0 0 13.46 49.2 541.2 Tm (8 have used to get their finances back on track. )Tj EMC /P <>BDC 10.08 0 0 10.08 48.96 519.36 Tm (9 )Tj EMC /Span <>BDC 12.56 0 0 12.56 102.24 508.32 Tm (C. )Tj EMC /Span <>BDC 13.84 0 0 13.84 135.84 508.56 Tm (Defendants Mislead Consumers Into Believing That Defendants Are)Tj EMC /P <>BDC 10.8 0 0 10.8 43.44 497.52 Tm (10 )Tj 13.97 0 0 13.97 136.08 497.28 Tm (Consumers' Lender or Servicer )Tj EMC /P <>BDC /T1_2 1 Tf 9.75 0 0 9.75 43.44 475.44 Tm (1 1 Defendants' primary means of making initial contact with consumers -\ its\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.3 0 0 13.3 43.44 453.36 Tm (12 direct mail solicitation - leads many consumers to believe they have \ received a notice )Tj EMC /P <>BDC /T1_1 1 Tf 12.39 0 0 12.39 43.44 431.52 Tm (13 from their mortgage lender or servicer, or a party affiliated with, w\ orking with, or )Tj 12.2 0 0 12.2 43.44 409.44 Tm (14 authorized by their mortgage lender or servicer. The solicitation fai\ ls adequately to )Tj 12.51 0 0 12.51 43.44 387.36 Tm (15 disclose that LMS is not affiiated with, working with, or authorized \ by the )Tj 12.08 0 0 12.08 43.44 365.28 Tm (16 consumer's mortgage lender or servicer. Moreover, in numerous instanc\ es, )Tj EMC /P <>BDC /T1_0 1 Tf 13.28 0 0 13.28 43.44 343.44 Tm (17 Defendants have reinforced this deceptive claim in subsequent contact\ s. )Tj EMC /P <>BDC /T1_1 1 Tf 12.85 0 0 12.85 43.44 321.36 Tm (18 U sing property and mortgage data purchased from list vendors, Defend\ ants )Tj EMC /P <>BDC /T1_0 1 Tf 13.27 0 0 13.27 43.44 299.28 Tm (19 target their direct mail solicitation at homeowners who have experien\ ced, or are )Tj 13.42 0 0 13.42 42.24 277.2 Tm (20 expected to experience, an event suggesting financial hardship. See P\ X 24 )Tj 13.43 0 0 13.43 42.24 255.12 Tm (21 \(Redding\), Att. W, at 1055-61. Homeowners have received these lette\ rs shortly )Tj /T1_1 1 Tf 12.14 0 0 12.14 42.24 233.28 Tm (22 before or after their loans reset to a higher rate, PX 04 \(Dondi\) i\ i 3, at 44; PX 16 )Tj /T1_0 1 Tf 13.22 0 0 13.22 42.24 211.2 Tm (23 \(Turley\) ii 3, at 287; PX 13 \(Stewart\) ii 2, at 249; PX 18 \(Well\ s\) ii 3, at 439; PX 19 )Tj 13.27 0 0 13.27 42.24 189.12 Tm (24 \(White\) ii 3, at 492, shortly after falling behind on their mortgag\ e loans, PX 13 )Tj /T1_1 1 Tf 12.26 0 0 12.26 42.24 167.04 Tm (25 \(Stewart\) ii 2, at 249; PX 08 \(Osorio\) ii 3, at 171, shortly afte\ r unsuccessfully trying )Tj 12.28 0 0 12.28 42.24 145.2 Tm (26 to refinance or modify a mortgage, PX 18 \(Wells\) ii 3, at 439; PX 0\ 2 \(Bavadi\) ii 2, at )Tj 12.25 0 0 12.25 42.24 123.12 Tm (27 20; PX 03 \(Browne\) ii 3, at 27; PX 08 \(Osorio\) ii 3, at 171, afte\ r a job loss, PX 06 )Tj EMC /P <>BDC /T1_0 1 Tf 13.28 0 0 13.28 42.24 101.04 Tm (28 \(Luke\) ii 3, at 115, and even after foreclosure proceedings had bee\ n instituted, PX 16 )Tj 10.56 0 0 10.56 288.96 75.36 Tm (22 )Tj EMC ET endstream endobj 760 0 obj <> endobj 761 0 obj <> endobj 762 0 obj <> endobj 763 0 obj <> endobj 764 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 765 0 obj [1/space] endobj 766 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 767 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 768 0 obj <> endobj 769 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 12.31 0 0 12.31 49.92 695.76 Tm (1 home was sold back to the bank the next day. Id. iiii 25-26, at 198. M\ r. Ruiz )Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 48.72 673.68 Tm (2 requested a refund of \001)Tj EMC /P <>BDC /T1_2 1 Tf 13.25 0 0 13.25 182.16 673.68 Tm (the fee he had paid LMS. Id. ii 27, at 198. LMS denied the )Tj 13.31 0 0 13.31 48.96 651.36 Tm (3 request in a letter, asserting that it had "produced a result where up\ on your lender has )Tj EMC /P <>BDC /T1_1 1 Tf 8.93 0 0 8.93 48.72 629.52 Tm (4 offered you a loan modification." Id., Att. C, at 204. This supposed l\ oan\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.64 0 0 12.64 48.96 607.44 Tm (5 modification offer "consisted of: Contribution of $8,110 to stop sale.\ " Id. )Tj EMC /P <>BDC /T1_1 1 Tf 9.75 0 0 9.75 48.96 585.36 Tm (6 Other consumers have reported similar experiences. See PX 19 \(White\)\ iiii 4,\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.62 0 0 13.62 48.96 563.28 Tm (7 10,21-25, at 492-93,494,496-97 \(LMS told consumer it would not accept\ her case )Tj EMC /P <>BDC /T1_0 1 Tf 12.48 0 0 12.48 49.2 541.2 Tm (8 unless it could obtain a loan modification, and if it failed, LMS woul\ d provide a full )Tj EMC /P <>BDC /T1_1 1 Tf 8.66 0 0 8.66 48.96 519.36 Tm (9 refund; but after collecting a $3,500 advance fee and failing to obtai\ n a modification,\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.36 0 0 13.36 43.44 497.52 Tm (10 LMS refused to provide a refund\); PX 14 \(Studt\) iiii 3-5,9-12, at \ 280-82 \(Direct )Tj EMC /P <>BDC /T1_0 1 Tf 12.23 0 0 12.23 43.44 475.44 Tm (11 Lender told consumer it would refund money if she did not receive loa\ n modification, )Tj 12.24 0 0 12.24 43.44 453.36 Tm (12 but after collecting $2,995 advance fee and failing to obtain loan mo\ dification, Direct )Tj 12.36 0 0 12.36 43.44 431.28 Tm (13 Lender refused to provide refund\). )Tj 12.92 0 0 12.92 43.44 409.44 Tm (14 LMS phone representatives also have expressly told FTC investigators \ that the )Tj 12.07 0 0 12.07 43.44 387.36 Tm (15 company offered a money-back guarantee. For example, one LMS phone )Tj EMC /P <>BDC /T1_2 1 Tf 13.07 0 0 13.07 43.44 365.28 Tm (16 representative told an FTC investigator that "\( w Je have a 93 perce\ nt success rate on )Tj EMC /P <>BDC /T1_0 1 Tf 12.39 0 0 12.39 43.44 343.44 Tm (17 loan modifications and a full money back guarantee." PX 23 \(Budich\)\ , Att. A, at )Tj 12.33 0 0 12.33 43.44 321.36 Tm (18 636. Another telemarketer repeatedly told an FTC investigator that LM\ S would offer )Tj 12.35 0 0 12.35 43.44 299.28 Tm (19 a "guarantee" if it accepted her application. PX 24 \(Redding\), Att.\ AA, at 1100, )Tj 12.11 0 0 12.11 42.24 277.2 Tm (20 1102,1103, 1105 \(numerous representations, including "we do have a m\ oney-back )Tj 12.02 0 0 12.02 42.24 255.12 Tm (21 guarantee," "everything is guaranteed, you know?," "the process is gu\ aranteed," and )Tj 12.17 0 0 12.17 42.24 233.28 Tm (22 after the application is approved, "we can guarantee you the modifica\ tion"\). )Tj 12.93 0 0 12.93 42.24 211.2 Tm (23 Defendants also make their money-back guarantee in written materials \ sent to )Tj EMC /P <>BDC /T1_1 1 Tf 9.82 0 0 9.82 42.24 189.12 Tm (24 consumers. For example, an LMS representative sent homeowner John Bro\ wne an\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.12 0 0 13.12 42.24 167.04 Tm (25 email transmitting a loan modification application and stating, "\( w\ Je do offer a )Tj EMC /P <>BDC /T1_0 1 Tf 12.38 0 0 12.38 42.24 145.2 Tm (26 money back guarantee." PX 03 \(Browne\), Att. B, at 34. Another LMS r\ epresentative )Tj 12.25 0 0 12.25 42.24 123.12 Tm (27 sent a loan modification application to an FTC investigator, with a c\ over email )Tj 12.01 0 0 12.01 42.24 101.04 Tm (28 stating, "\( w Je also have a money back guarantee. If we don't get y\ our loan modified )Tj EMC /Artifact <>BDC /T1_2 1 Tf 9.84 0 0 9.84 288.96 75.36 Tm (21 )Tj EMC ET endstream endobj 770 0 obj <> endobj 771 0 obj <> endobj 772 0 obj <> endobj 773 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 774 0 obj <> endobj 775 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 776 0 obj [1/space] endobj 777 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 778 0 obj <> endobj 779 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 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 12.5 0 0 12.5 49.92 695.76 Tm (1 193; PX 03 \(Browne\) ii 4 & Att. B, at 27,34; PX 08 \(Osorio\) ii 4, \ at 171; PX 19\001 )Tj 12.81 0 0 12.81 48.72 673.68 Tm (2 \(White\) ii 4, at 492-93; PX 12 \(Sciutti\) iiii 5,7 & Att. A, at 212\ ,213,220 \(partial\001 )Tj 12.33 0 0 12.33 48.96 651.36 Tm (3 money back guarantee\); PX 23 \(Budich\), Att. A, F, at 636,667; PX 24\ \(Redding\),\001 )Tj EMC /P <>BDC /T1_1 1 Tf 9.27 0 0 9.27 48.72 629.52 Tm (4 Att. AA, at 1100-05. Apart from being an independent misrepresentation\ ,\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.29 0 0 13.29 48.96 607.44 Tm (5 Defendants' claim of a money-back guarantee also bolsters their misrep\ resentation )Tj 13.49 0 0 13.49 48.96 585.36 Tm (6 that they wil obtain a loan modification in all or virtually all cases\ . Many consumers )Tj EMC /P <>BDC /T1_1 1 Tf 9.44 0 0 9.44 48.96 563.28 Tm (7 reasonably conclude that Defendants would not make a money-back guaran\ tee unless\001 )Tj EMC /P <>BDC 8.73 0 0 8.73 49.2 541.2 Tm (8 it was highly likely that they would succeed in obtaining a loan modif\ ication for the\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.26 0 0 12.26 48.96 519.36 Tm (9 consumers. In actuality, when Defendants ultimately fail to obtain the\ promised loan )Tj EMC /P <>BDC /T1_2 1 Tf 13.26 0 0 13.26 43.44 497.52 Tm (10 modification and consumers request their money back, Defendants routi\ nely refuse to )Tj 13.37 0 0 13.37 43.44 475.44 Tm (11 provide a refund. Defendants also make it difficult for consumers to \ request refunds )Tj 13.28 0 0 13.28 43.44 453.36 Tm (12 by, for example, purporting to require such consumers to sign a relea\ se of liability )Tj 13.4 0 0 13.4 43.44 431.52 Tm (13 merely to be considered. This deceptive conduct often has caused seve\ re )Tj EMC /P <>BDC /T1_1 1 Tf 9.76 0 0 9.76 43.44 409.44 Tm (14 consequences for consumers.\001 )Tj EMC /P <>BDC 10.13 0 0 10.13 43.44 387.36 Tm (15 For example, an LMS phone representative told homeowner Israel Ruiz t\ hat\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.36 0 0 13.36 43.44 365.28 Tm (16 LMS could lower his mortgage payments by $800 to $1,000. PX 10 \(Ruiz\ \) ii 4, at )Tj EMC /P <>BDC /T1_0 1 Tf 12.05 0 0 12.05 43.44 343.44 Tm (17 193. The representative requested an advance fee of $3,995, and twice\ told Mr. Ruiz )Tj EMC /P <>BDC /T1_2 1 Tf 13.26 0 0 13.26 43.44 321.36 Tm (18 that LMS would fully refund this money if it was not able to secure a\ modification. )Tj EMC /P <>BDC /T1_1 1 Tf 8.61 0 0 8.61 43.44 299.28 Tm (19 Id. iiii 5,8, at 193,194. Mr. Ruiz paid the fee. Id. ii 9, at 194. Du\ ring the ensuing\001 )Tj EMC /P <>BDC 5 0 0 5 42.24 277.2 Tm (20 months, LMS repeatedly made excuses for its lack of \001)Tj EMC /P <>BDC /T1_2 1 Tf 13.01 0 0 13.01 349.2 277.2 Tm (progress, told Mr. Ruiz not to )Tj 13.33 0 0 13.33 42.24 255.12 Tm (21 worry about making late payments because they would be resolved in th\ e )Tj 13.31 0 0 13.31 42.24 233.28 Tm (22 modification, and told him to disregard warnings and payment plan off\ ers from his )Tj 13.37 0 0 13.37 42.24 211.2 Tm (23 lender. Id. iiii 12- 14, 16, 19, at 195, 196. Six months after hiring\ LMS, Mr. Ruiz )Tj EMC /P <>BDC /T1_0 1 Tf 12.15 0 0 12.15 42.24 189.12 Tm (24 received a notice of foreclosure, but LMS representatives continued t\ o tell him not to )Tj EMC /P <>BDC /T1_2 1 Tf 13.54 0 0 13.54 42.24 167.04 Tm (25 worry because LMS was working on his modification. Id. iiii 19,22, at\ 196,197. )Tj 13.31 0 0 13.31 42.24 145.2 Tm (26 Finally, an LMS representative called Mr. Ruiz the day before the auc\ tion sale and )Tj 13.29 0 0 13.29 42.24 123.12 Tm (27 told him that he could save his home only by paying $8,000 to his len\ der by noon the )Tj EMC /P <>BDC /T1_1 1 Tf 9.03 0 0 9.03 42.24 101.04 Tm (28 next day. Id. ii 25, at 198. Mr. Ruiz was unable to make such a payme\ nt, and his\001 )Tj EMC /Artifact <>BDC /T1_2 1 Tf 10.8 0 0 10.8 288.96 75.36 Tm (20 )Tj EMC ET endstream endobj 780 0 obj <> endobj 781 0 obj <> endobj 782 0 obj <> endobj 783 0 obj <>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^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 784 0 obj <> endobj 785 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 786 0 obj [1/space] endobj 787 0 obj <> endobj 788 0 obj <>stream H\0E/gE|@b .bڪ7" ! }}_ ±+_}7x41]/1&sL/Li&a(|~y߷ϼxw5ISghIcן/~]6 oX!ݼoL$K`J4:ПRvgm+Rf6̱՛mgvV <<)&X+!(PT +G *4 $@K ( ; ( ( ( ( ( ( ( ( ( ( ( ( ( (**fs(s!l%qAY΂$,,#PD~džjGM7EA7ήdHXlЍD Fb-\¢kU߳ _,r˯sGʀ\#%0a/{%{K9y){yUγ_Ѻg/ x>98\8>Tc_2"elqJu}e)?E.c endstream endobj 789 0 obj [1/space] endobj 790 0 obj <> endobj 791 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.4 0 0 13.4 49.92 695.76 Tm (1 made little if any effort to contact the lender. PX 10 \(Ruiz\) iiii 1\ 2,17-18, at 195, 196; )Tj 13.05 0 0 13.05 48.72 673.68 Tm (2 PX 04 \(Dondi\) iiii 18- 1 9 & Att. I, at 48, 85-91. )Tj EMC /P <>BDC /T1_1 1 Tf 9.78 0 0 9.78 48.96 651.36 Tm (3 Defendants also cover up their lack of action on behalf of consumers b\ y\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.31 0 0 12.31 48.72 629.52 Tm (4 instructing them not to communicate with their lenders during the modi\ fication )Tj 12.33 0 0 12.33 48.96 607.44 Tm (5 process. PX 08 \(Osorio\) ii 7, at 171; PX 13 \(Stewart\) ii 4, at 249\ -50; PX 16 \(Turley\) )Tj EMC /P <>BDC /T1_1 1 Tf 8.56 0 0 8.56 48.96 585.36 Tm (6 ii 17, at 291; PX 18 \(Wells\) ii 11, at 441; PX 15 \(Tully\) ii 8, at\ 284; PX 06 \(Luke\),\001 )Tj EMC /P <>BDC 8.88 0 0 8.88 48.96 563.28 Tm (7 Att. B, at 126 \("Client Responsibilities" section\). In numerous inst\ ances, Defendants\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.16 0 0 12.16 49.2 541.2 Tm (8 have warned consumers that any contact with their lenders wil hinder D\ efendants' )Tj EMC /P <>BDC /T1_0 1 Tf 13.24 0 0 13.24 48.96 519.36 Tm (9 modification negotiations, PX 10 \(Ruiz\) ii 17, at 196; PX 13 \(Stewa\ rt\) ii 4, at 249-50, )Tj 13.27 0 0 13.27 43.44 497.52 Tm (10 and have threatened to drop consumers and deny them refunds if they i\ ndependently )Tj EMC /P <>BDC /T1_2 1 Tf 12.39 0 0 12.39 43.44 475.44 Tm (11 talk to their lenders. PX 08 \(Osorio\) ii 7, at 171. Relying on this\ advice, many )Tj 12.21 0 0 12.21 43.44 453.36 Tm (12 consumers avoid their lenders during critical periods, including afte\ r receiving )Tj 12.25 0 0 12.25 43.44 431.52 Tm (13 notices of default or foreclosure, or other important communications.\ E.g., PX 06 )Tj EMC /P <>BDC /T1_0 1 Tf 13.24 0 0 13.24 43.44 409.44 Tm (14 \(Luke\) iiii 15-16, at 118; PX 10 \(Ruiz\) ii 14, at 195. )Tj EMC /P <>BDC /T1_1 1 Tf 10.09 0 0 10.09 43.44 387.36 Tm (15 Ultimately, after waiting many months, numerous consumers have not re\ ceived\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.33 0 0 12.33 43.44 365.28 Tm (16 the loan modifications they were promised. At that point, the cumulat\ ive effects of )Tj 12.13 0 0 12.13 43.44 343.44 Tm (17 Defendants' misrepresentations are devastating. After losing crucial \ time to negotiate )Tj EMC /P <>BDC /T1_0 1 Tf 13.25 0 0 13.25 43.44 321.36 Tm (18 directly with their lenders, missing mortgage payments after followin\ g Defendants' )Tj EMC /P <>BDC /T1_2 1 Tf 12.17 0 0 12.17 43.44 299.28 Tm (19 advice, and paying thousands of dollars they could il-afford on Defen\ dants' advance )Tj 12.11 0 0 12.11 42.24 277.2 Tm (20 fees, many consumers have lost their homes. PX 10 \(Ruiz\) ii 26, at \ 198; PX 13 )Tj EMC /P <>BDC /T1_0 1 Tf 13.49 0 0 13.49 42.24 255.12 Tm (21 \(Stewart\) ii 17, at 253. Stil others have gone into foreclosure, ru\ ining their credit and )Tj EMC /P <>BDC /T1_2 1 Tf 12.3 0 0 12.3 42.24 233.28 Tm (22 exacerbating the financial difficulties they were experiencing when t\ hey first )Tj 12.44 0 0 12.44 42.24 211.2 Tm (23 contacted LMS. PX 16 \(Turley\) ii 29, at 293-94; PX 04 \(Dondi\) ii \ 20, at 48. )Tj EMC /P <>BDC /T1_0 1 Tf 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /Span <>BDC 12.03 0 0 12.03 102 178.32 Tm (B. )Tj EMC /Span <>BDC 13.79 0 0 13.79 135.84 178.32 Tm (Defendants Falsely Promise Refunds if They Do Not Obtain Loan)Tj 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj 13.56 0 0 13.56 135.84 167.04 Tm (Modifications )Tj EMC /P <>BDC /T1_2 1 Tf 12.98 0 0 12.98 42.24 145.2 Tm (26 To further induce consumers to pay their up-front fees, in numerous i\ nstances, )Tj 12.08 0 0 12.08 42.24 123.12 Tm (27 Defendants have falsely represented that they offer a full money-back\ guarantee if )Tj 12.44 0 0 12.44 42.24 101.04 Tm (28 they fail to obtain a loan modification. PX 14 \(Studt\) ii 4, at 280\ ; PX 10 \(Ruiz\) ii 5, at )Tj EMC /Artifact <>BDC /T1_0 1 Tf 9.36 0 0 9.36 290.16 75.36 Tm (19 )Tj EMC ET endstream endobj 792 0 obj <> endobj 793 0 obj <> endobj 794 0 obj <> endobj 795 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 796 0 obj <> endobj 797 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 798 0 obj [1/space] endobj 799 0 obj <>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^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 800 0 obj <> endobj 801 0 obj <> endobj 802 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 9.6 0 0 9.6 48.96 607.44 Tm (5)Tj 10.8 0 0 10.8 43.44 497.52 Tm (10)Tj 10.32 0 0 10.32 43.44 387.36 Tm (15)Tj 12 0 0 12 42.24 277.2 Tm (20)Tj 11.52 0 0 11.52 42.24 167.04 Tm (25)Tj EMC /P <>BDC 6.24 0 0 6.24 49.92 695.76 Tm (1 )Tj 11.52 0 0 11.52 136.08 695.52 Tm (5. )Tj 13.63 0 0 13.63 169.44 695.76 Tm (After Collecting the Fee, Defendants Become Difficult to)Tj EMC /P <>BDC 13.95 0 0 13.95 169.68 684.72 Tm (Reach and Often Fail to Obtain Promised Loan Modifications )Tj EMC /P <>BDC 10.56 0 0 10.56 48.72 673.68 Tm (2\001 )Tj EMC /P <>BDC 13.04 0 0 13.04 102.24 662.4 Tm (Once consumers have paid the up-front fee, they often find it difficult \ or )Tj EMC /P <>BDC 9.12 0 0 9.12 48.96 651.36 Tm (3\001 )Tj EMC /P <>BDC 13.01 0 0 13.01 68.16 640.8 Tm (impossible to reach Defendants by phone or email, and in numerous instan\ ces, )Tj EMC /P <>BDC 11.04 0 0 11.04 48.72 629.52 Tm (4\001 )Tj EMC /P <>BDC 13.11 0 0 13.11 67.92 618.72 Tm (Defendants fail to deliver the loan modification they promised. Initiall\ y, consumers )Tj 13.05 0 0 13.05 67.68 596.64 Tm (receive the run-around from Defendants, who frequently ignore consumer r\ equests )Tj EMC /P <>BDC 10.56 0 0 10.56 48.96 585.36 Tm (6\001 )Tj EMC /P <>BDC 12.78 0 0 12.78 68.16 574.56 Tm (for updates and fail to return calls or respond to emails. PX 06 \(Luke\)\ iiii 11 - 1 2, 20,\001 )Tj EMC /P <>BDC 10.08 0 0 10.08 48.96 563.28 Tm (7\001 )Tj EMC /P <>BDC /T1_1 1 Tf 11.91 0 0 11.91 67.92 552.72 Tm (23, at 117,119 \(despite LMS representative's promise to provide updates\ every two )Tj EMC /P <>BDC /T1_0 1 Tf 9.6 0 0 9.6 49.2 541.2 Tm (8\001 )Tj EMC /P <>BDC 13.04 0 0 13.04 67.68 530.4 Tm (weeks, consumer found that "it became extremely difficult to reach \(the\ )Tj EMC /P <>BDC 10.08 0 0 10.08 48.96 519.36 Tm (9\001 )Tj EMC /P <>BDC 13.02 0 0 13.02 67.68 508.56 Tm (representativeJ or anybody else at LMS"\); see also PX 02 \(Bavadi\) ii \ 9, at 21; PX 05\001 )Tj 12.89 0 0 12.89 68.16 483.84 Tm (\(Hall\) ii 7, at 95; PX 15 \(Tully\) ii 9, at 284; PX 18 \(Wells\) iiii\ 11-15, at 441-43.\001)Tj EMC /P <>BDC 9.6 0 0 9.6 43.44 475.44 Tm (11\001 )Tj EMC /P <>BDC 13.03 0 0 13.03 102 464.16 Tm (When consumers are able to make contact, Defendants often provide cursor\ y )Tj EMC /P <>BDC 10.56 0 0 10.56 43.44 453.36 Tm (12\001 )Tj EMC /P <>BDC 13.07 0 0 13.07 67.68 442.56 Tm (responses and avoid providing meaningful updates on the status of suppos\ ed )Tj EMC /P <>BDC 10.08 0 0 10.08 43.44 431.28 Tm (13\001 )Tj EMC /P <>BDC 13.16 0 0 13.16 67.68 420.48 Tm (negotiations. PX 05 \(Hall\) ii 7, at 95; PX 06 \(Luke\) iiii 14,18, at \ 117,118; PX 10\001 )Tj EMC /P <>BDC 10.8 0 0 10.8 43.44 409.44 Tm (14\001 )Tj EMC /P <>BDC 12.55 0 0 12.55 68.16 395.76 Tm (\(Ruiz\) ii 12, at 195; PX 13 \(Stewart\) iiii 11 - 1 2, at 251 -52; PX \ 16 \(Turley\) ii 19, at 291.\001 )Tj 13.03 0 0 13.03 71.28 376.32 Tm (Defendants often tell consumers that negotiations are underway and proce\ eding\001 )Tj EMC /P <>BDC 10.8 0 0 10.8 43.44 365.28 Tm (16\001 )Tj EMC /P <>BDC 13.1 0 0 13.1 68.4 354.24 Tm (smoothly, only to fail in the end to obtain the promised loan modificati\ on. PX 13\001 )Tj EMC /P <>BDC 10.56 0 0 10.56 43.44 343.44 Tm (17\001 )Tj EMC /P <>BDC 12.92 0 0 12.92 68.16 329.76 Tm (\(Stewart\) iiii 11-13, at 251-52; PX 16 \(Turley\) iiii 20-21, at 291-9\ 2; PX 04 \(Dondi\)\001)Tj EMC /P <>BDC 10.56 0 0 10.56 43.44 321.36 Tm (18\001 )Tj EMC /P <>BDC /T1_1 1 Tf 11.93 0 0 11.93 67.68 307.68 Tm (iiii 18- 1 9 & Att. I, at 48, 85-91. Often, consumers learn from their l\ enders that\001)Tj EMC /P <>BDC /T1_0 1 Tf 10.56 0 0 10.56 43.44 299.28 Tm (19\001 )Tj EMC /P <>BDC 13.04 0 0 13.04 67.92 288.24 Tm (Defendants had not yet contacted the lenders or had only left messages o\ r had )Tj EMC /P <>BDC 13.05 0 0 13.05 68.4 266.16 Tm (superficial contacts. PX 05 \(Hall\) ii 8, at 95; PX 18 \(Wells\) ii 12,\ at 441-42.\001 )Tj EMC /P <>BDC 10.8 0 0 10.8 42.24 255.12 Tm (21\001 )Tj EMC /P <>BDC 13.14 0 0 13.14 102 244.32 Tm (Defendants also routinely make excuses to placate consumers so they wil \ )Tj EMC /P <>BDC 11.76 0 0 11.76 42.24 233.28 Tm (22\001 )Tj EMC /P <>BDC 13.12 0 0 13.12 68.16 222.24 Tm (accept lengthy delays. For example, Defendants have blamed personnel tur\ nover, PX )Tj EMC /P <>BDC 11.28 0 0 11.28 42.24 211.2 Tm (23\001 )Tj EMC /P <>BDC 12.99 0 0 12.99 68.16 199.92 Tm (05 \(Hall\) ii 7, at 95, or a flood of modification requests due to the \ state of the)Tj EMC /P <>BDC 12 0 0 12 42.24 189.12 Tm (24\001 )Tj EMC /P <>BDC 13.09 0 0 13.09 68.16 178.08 Tm (economy, PX 16 \(Turley\) ii 16, at 290. Defendants also have blamed ina\ ccessible\001 )Tj EMC /P <>BDC 13.17 0 0 13.17 68.16 156.24 Tm (lenders - those with whom they touted special relationships during the s\ ales pitch \255)Tj EMC /P <>BDC 12 0 0 12 42.24 145.2 Tm (26\001 )Tj EMC /P <>BDC 13.03 0 0 13.03 68.16 134.16 Tm (for delays in processing modification requests, even in cases where Defe\ ndants have )Tj EMC /P <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27\001 )Tj 0 -1.878 TD (28\001 )Tj EMC /Artifact <>BDC 9.36 0 0 9.36 290.16 75.36 Tm (18\001 )Tj EMC ET endstream endobj 803 0 obj <> endobj 804 0 obj <> endobj 805 0 obj <> endobj 806 0 obj <>stream H\0E/gE|@b .bڪ7" ! }}_ ±+_}7x41]/1&sL/Li&a(|~y߷ϼxw5ISghIcן/~]6 oX!ݼoL$K`J4:ПRvgm+Rf6̱՛mgvV <<)&X+!(PT +G *4 $@K ( ; ( ( ( ( ( ( ( ( ( ( ( ( ( (**fs(s!l%qAY΂$,,#PD~džjGM7EA7ήdHXlЍD Fb-\¢kU߳ _,r˯sGʀ\#%0a/{%{K9y){yUγ_Ѻg/ x>98\8>Tc_2"elqJu}e)?E.c endstream endobj 807 0 obj [1/space] endobj 808 0 obj <> endobj 809 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 810 0 obj [1/space] endobj 811 0 obj <> endobj 812 0 obj <> endobj 813 0 obj <> endobj 814 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.25 0 0 13.25 49.92 695.76 Tm (1 that it has relationships with 270 lenders, numerous consumers have pa\ id Defendants' )Tj 13.32 0 0 13.32 48.72 673.68 Tm (2 up-front fees only to be told by their lenders that they do not work w\ ith third parties )Tj EMC /Span <>BDC /T1_1 1 Tf 12.27 0 0 12.27 48.96 651.36 Tm (3 such as LMS or had never heard from LMS. See supra note 5. Even the "R\ eal Life )Tj EMC /P <>BDC /T1_2 1 Tf 9.4 0 0 9.4 48.72 629.52 Tm (4 Testimonials" section is dubious. Although LMS was incorporated on Feb\ ruary 13,\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.21 0 0 12.21 48.96 607.44 Tm (5 2008, PX 24 \(Redding\), Att. H, at 704, the section begins with a pur\ ported )Tj EMC /P <>BDC /T1_2 1 Tf 9.04 0 0 9.04 48.96 585.36 Tm (6 testimonial stating, "I contacted LMS in January of 2008," PX 03 \(Bro\ wne\), Att. B,\001 )Tj EMC /P <>BDC /T1_0 1 Tf 15.67 0 0 15.67 48.96 563.28 Tm (7 at 42. )Tj EMC /P <>BDC /T1_2 1 Tf 9.85 0 0 9.85 49.2 541.2 Tm (8 Finally, Defendants create an atmosphere of pressure and urgency to en\ courage\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.08 0 0 12.08 48.96 519.36 Tm (9 consumers to pay the up-front fee. In numerous instances, Defendants' \ )Tj 11.98 0 0 11.98 43.44 497.52 Tm (10 representatives have sent consumers emails transmitting LMS' s loan m\ odification )Tj EMC /P <>BDC /T1_0 1 Tf 13.27 0 0 13.27 43.44 475.44 Tm (11 application that include arbitrary deadlines and other warnings to pr\ essure consumers )Tj 13.47 0 0 13.47 43.44 453.36 Tm (12 to return the information fast. These emails have stated: )Tj EMC /Span <>BDC 10.08 0 0 10.08 43.44 431.28 Tm (13 )Tj 23.02 0 0 23.02 102.96 432.72 Tm (. )Tj 13.05 0 0 13.05 136.08 431.52 Tm ("If the Application Process and Mitigation Process are not handled with \ )Tj EMC /P <>BDC 10.8 0 0 10.8 43.44 409.44 Tm (14 )Tj /T1_2 1 Tf 5 0 0 5 135.6 409.44 Tm (precision and a sense of )Tj /T1_0 1 Tf 13.03 0 0 13.03 263.76 409.2 Tm (urgency you could very likely lose your home." )Tj EMC /LI_Title <>BDC 10.32 0 0 10.32 43.44 387.36 Tm (15 )Tj 23.02 0 0 23.02 102.96 388.56 Tm (. )Tj 13.02 0 0 13.02 136.08 387.12 Tm ("Our Modification Department can only handle so many cases of the )Tj 10.8 0 0 10.8 43.44 365.28 Tm (16 )Tj /T1_1 1 Tf 11.73 0 0 11.73 135.6 365.28 Tm (hundreds they receive." )Tj EMC /StyleSpan <>BDC /T1_0 1 Tf 10.56 0 0 10.56 43.44 343.44 Tm (17 )Tj EMC /StyleSpan <>BDC 23.02 0 0 23.02 102.96 344.64 Tm (. )Tj EMC /LI_Title <>BDC 13.13 0 0 13.13 136.08 341.04 Tm ("\(TJhey wil only take on clients that cooperate in a timely manner." )Tj EMC /LI_Title <>BDC 10.56 0 0 10.56 43.44 321.36 Tm (18 )Tj 23.02 0 0 23.02 102.96 322.56 Tm (. )Tj 13.01 0 0 13.01 136.08 321.36 Tm ("It is extremely important that this application be faxed back by the \(\ 3\) )Tj EMC /P <>BDC /T1_2 1 Tf 10.87 0 0 10.87 43.44 299.28 Tm (1 9 day deadline to avoid cancellation of the fie."\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.36 0 0 13.36 42.24 277.2 Tm (20 PX 03 \(Browne\), Att. B, at 33-34; see also PX 01 \(Anderson\), Att.\ C, at 14-15 )Tj 13.25 0 0 13.25 42.24 255.12 Tm (21 \(similar representations\); PX 22 \(Figueroa\), Att. C, at 606 \(sim\ ilar representations\).7 )Tj 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj EMC /P <>BDC 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj EMC /P <>BDC 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /P <>BDC 13.08 0 0 13.08 101.76 180.96 Tm (7 A phone representative told an FTC investigator that, if he did not re\ turn )Tj 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /P <>BDC 13.03 0 0 13.03 67.92 160.56 Tm (LMS's application worksheet under a strict but artificial deadline, he w\ ould be\001 )Tj 12 0 0 12 42.24 145.2 Tm (26 )Tj 13.28 0 0 13.28 68.16 145.2 Tm ("disqualified." PX 22 \(Figueroa\), Att. E, at 620-21. Another phone rep\ resentative\001 )Tj 13.05 0 0 13.05 67.68 130.32 Tm (pressured an investigator to return the worksheet by telling her that "a\ lot of the\001)Tj EMC /P <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /P <>BDC /T1_2 1 Tf 5 0 0 5 67.92 115.2 Tm (Republicans in office are trying to stop a lot of )Tj 49.488 0 Td (this. So, it's kind of \001)Tj EMC /P <>BDC /T1_0 1 Tf 12.78 0 0 12.78 425.04 114.96 Tm (you're )Tj 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj 13.16 0 0 13.16 67.68 99.84 Tm (working really against the time tables right now." PX 23 \(Budich\), Att\ . A, 640-41. )Tj EMC /Artifact <>BDC 9.36 0 0 9.36 290.16 75.36 Tm (17 )Tj EMC ET endstream endobj 815 0 obj <> endobj 816 0 obj <> endobj 817 0 obj <> endobj 818 0 obj <> endobj 819 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 820 0 obj [1/space] endobj 821 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 822 0 obj <> endobj 823 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 824 0 obj [1/space] endobj 825 0 obj <> endobj 826 0 obj <> endobj 827 0 obj <> endobj 828 0 obj <> endobj 829 0 obj <> endobj 830 0 obj <> endobj 831 0 obj <> endobj 832 0 obj <> endobj 833 0 obj <> endobj 834 0 obj <> endobj 835 0 obj <> endobj 836 0 obj <> endobj 837 0 obj <> endobj 838 0 obj <> endobj 839 0 obj <> endobj 840 0 obj <> endobj 841 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.33 0 0 13.33 49.92 695.76 Tm (1 LMS, and employees of LMS have identified themselves as working for of\ ficials of )Tj EMC /P <>BDC 13.5 0 0 13.5 48.72 673.68 Tm (2 TNLMA. See PX 20 \(Lockwood\) iiii 8-9 & Att. C, at 540-41,554-55. )Tj EMC /P <>BDC /T1_1 1 Tf 13.6 0 0 13.6 48.96 651.36 Tm (3 LMS's "certification" by TNLMA also does not protect consumers. As set\ )Tj EMC /P <>BDC /T1_0 1 Tf 13.32 0 0 13.32 48.72 629.52 Tm (4 forth in Section 1 of TNLMA's bylaws and code of ethics, "\(aJll Membe\ rs and their )Tj EMC /P <>BDC /T1_1 1 Tf 12.26 0 0 12.26 48.96 607.44 Tm (5 Representatives shall comply with all federal and state laws. . . excl\ uding. . . )Tj EMC /P <>BDC /T1_2 1 Tf 8.83 0 0 8.83 48.96 585.36 Tm (6 interpretations that may be impractically and unfeasibly able to be co\ mplied with."\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.51 0 0 12.51 48.96 563.28 Tm (7 PX 24 \(Redding\), Att. S, at 832 \(emphasis added\). In effect, TNLMA\ 's "ethical" )Tj EMC /P <>BDC /T1_2 1 Tf 8.98 0 0 8.98 49.2 541.2 Tm (8 standards permit its members to disregard inconvenient laws, such as t\ hose\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.4 0 0 13.4 48.96 519.36 Tm (9 prohibiting the collection of advance fees. Moreover, among other thin\ gs, TNLMA )Tj 13.27 0 0 13.27 43.44 497.52 Tm (10 tries to scare consumers away from attempting to modify their mortgag\ es on their )Tj 13.31 0 0 13.31 43.44 475.44 Tm (11 own, or from using free housing counselors, such as those certified b\ y the United )Tj EMC /P <>BDC /T1_1 1 Tf 12.08 0 0 12.08 43.44 453.36 Tm (12 States Department of Housing and Urban Development. It has also publi\ shed a )Tj 12.3 0 0 12.3 43.44 431.28 Tm (13 "consumer alert" advising that "FREE Loan Modifications May Be Hazard\ ous To )Tj EMC /P <>BDC /T1_0 1 Tf 13.79 0 0 13.79 43.44 409.44 Tm (14 Your Mortgage." Id., Att. S, at 803. )Tj EMC /P <>BDC /T1_1 1 Tf 13.15 0 0 13.15 43.44 387.36 Tm (15 To further foster an appearance of legitimacy, LMS has authored a "Cr\ edibility )Tj EMC /P <>BDC /T1_0 1 Tf 13.37 0 0 13.37 43.44 365.28 Tm (16 & Legitimacy Report" about itself, which it provides to prospective c\ ustomers. The )Tj EMC /P <>BDC /T1_1 1 Tf 12.23 0 0 12.23 43.44 343.44 Tm (17 report attempts to explain away LMS's "F" rating with the Better Busi\ ness Bureau )Tj EMC /P <>BDC /T1_0 1 Tf 13.22 0 0 13.22 43.44 321.36 Tm (1 8 \("BBB"\); includes a "corporate bio" claiming, among other things, \ that LMS has )Tj EMC /Span <>BDC /T1_1 1 Tf 12.2 0 0 12.2 43.44 299.28 Tm (19 approximately 270 "Lender/Servicer Relationships"; and provides purpo\ rted )Tj 12.23 0 0 12.23 42.24 277.2 Tm (20 testimonials from consumers whose full names are not provided. PX 03 \ \(Browne\), )Tj /T1_0 1 Tf 13.54 0 0 13.54 42.24 255.12 Tm (21 Att. B, at 35-43; see also PX 16 \(Turley\) ii 23 & Att. M, at 292,37\ 0. These )Tj /T1_1 1 Tf 12.1 0 0 12.1 42.24 233.28 Tm (22 representations also are misleading. For example, although LMS claims\ that "\(oJne )Tj 12.32 0 0 12.32 42.24 211.2 Tm (23 complaint even if handled to the BBB' s satisfaction" wil cause a loa\ n modification )Tj 0 -1.792 TD (24 company to be given an "F" rating, PX 03 \(Browne\), Att. B, at 37, t\ he BBB reports )Tj /T1_2 1 Tf 9.3 0 0 9.3 42.24 167.04 Tm (25 that as of December 2008, it had received numerous complaints about L\ MS, and that )Tj /T1_1 1 Tf 12.1 0 0 12.1 42.24 145.2 Tm (26 the company had responded not by resolving them, but "by disputing th\ e )Tj /T1_0 1 Tf 13.4 0 0 13.4 42.24 123.12 Tm (27 complaint\('Js allegations. . . and by generally denying refund reque\ sts," PX 24 )Tj 13.41 0 0 13.41 42.24 101.04 Tm (28 \(Redding\), Att. K, at 741. Additionally, contrary to LMS's unsubsta\ ntiated claim )Tj EMC /Artifact <>BDC 9.6 0 0 9.6 290.16 75.36 Tm (16 )Tj EMC ET endstream endobj 842 0 obj <> endobj 843 0 obj <> endobj 844 0 obj <> endobj 845 0 obj <> endobj 846 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 847 0 obj [1/space] endobj 848 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 849 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 850 0 obj <> endobj 851 0 obj <> endobj 852 0 obj <> endobj 853 0 obj <> endobj 854 0 obj <> endobj 855 0 obj <> endobj 856 0 obj <> endobj 857 0 obj <> endobj 858 0 obj <> endobj 859 0 obj <> endobj 860 0 obj <> endobj 861 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 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 12.01 0 0 12.01 49.92 695.76 Tm (1 website that "\( w Je know how to communicate with your lender" and wa\ rns that )Tj 12.36 0 0 12.36 48.72 673.68 Tm (2 "Representing Yourself Can Be Hazardous!" PX 24 \(Redding\), Att. Q, a\ t 780. )Tj /T1_1 1 Tf 10.07 0 0 10.07 48.96 651.36 Tm (3 Defendants also often advise consumers who cannot afford Defendants' f\ ee )Tj 8.99 0 0 8.99 48.72 629.52 Tm (4 that, if the consumers skip a mortgage payment, it wil improve their c\ hances of )Tj /T1_2 1 Tf 13.28 0 0 13.28 48.96 607.44 Tm (5 receiving a loan modification or at least not hurt them because any mi\ ssed payments )Tj /T1_0 1 Tf 12.48 0 0 12.48 48.96 585.36 Tm (6 would be worked in the modified loan. PX 19 \(White\) ii 10, at 494; P\ X 18 \(Wells\) )Tj /T1_2 1 Tf 13.39 0 0 13.39 48.96 563.28 Tm (7 ii 9, at 441; PX 13 \(Stewart\) ii 5, at 250. As a result, consumers o\ ften pay )Tj EMC /P <>BDC 13.3 0 0 13.3 49.2 541.2 Tm (8 Defendants' fee instead of their mortgages, exacerbating their already\ precarious )Tj EMC /P <>BDC /T1_1 1 Tf 8.51 0 0 8.51 48.96 519.36 Tm (9 financial situation, and complicating their relationships with their l\ enders. )Tj /T1_0 1 Tf 13.01 0 0 13.01 43.44 497.52 Tm (10 Defendant LM S also deceives many consumers to believe it is "certifi\ ed" and )Tj 12.24 0 0 12.24 43.44 475.44 Tm (11 thereby subject to some form of oversight. LMS's website tells homeow\ ners that )Tj /T1_2 1 Tf 13.3 0 0 13.3 43.44 453.36 Tm (12 LMS is a "Proud Premier Member of The National Loss Mitigation Associ\ ation )Tj /T1_0 1 Tf 12.77 0 0 12.77 43.44 431.28 Tm (13 \("TNLMA"TM\)," and that LMS is "Certified" by TNLMA as a "Loan Modif\ ication )Tj /T1_2 1 Tf 13.32 0 0 13.32 43.44 409.44 Tm (14 Specialist."6 In fact, rather than being an independent organization,\ TLMNA is )Tj /T1_0 1 Tf 12.2 0 0 12.2 43.44 387.36 Tm (15 substantially under the control and direction of Defendants. The orga\ nization is )Tj EMC /P <>BDC /T1_1 1 Tf 9.3 0 0 9.3 43.44 365.28 Tm (16 incorporated at the same address as LMS and its bank account was open\ ed by\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.11 0 0 12.11 43.44 343.44 Tm (17 Defendant Dean Shafer, the president of LMS, who also identified hims\ elf as the )Tj EMC /P <>BDC /T1_2 1 Tf 13.69 0 0 13.69 43.44 321.36 Tm (18 president ofTNLMA. PX 24 \(Redding\), Atts. B, P, at 685,777. TNLMA a\ lso lists )Tj EMC /P <>BDC /T1_0 1 Tf 12.06 0 0 12.06 43.44 299.28 Tm (19 as its president Aaron Cuha, the founder of Direct Lender, and Mr. Cu\ ha registered )Tj EMC /P <>BDC /T1_2 1 Tf 13.3 0 0 13.3 42.24 277.2 Tm (20 TNLMA's URL to Synergy Capital Management Corporation, a company owne\ d by )Tj EMC /P <>BDC /T1_0 1 Tf 12.79 0 0 12.79 42.24 255.12 Tm (21 him. Id., Atts. S, T, F, at 989,1044,698. Additionally, in correspond\ ence with )Tj 12.32 0 0 12.32 42.24 233.28 Tm (22 government officials, employees of TNLMA have purported to speak on b\ ehalf of )Tj EMC /TD <>BDC /T1_2 1 Tf 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj EMC /TD <>BDC 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /TD <>BDC 13.08 0 0 13.08 102 196.08 Tm (6 One LMS telemarketer alluded to TNLMA in his sales pitch as "a )Tj EMC /TD <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /TD <>BDC 13.04 0 0 13.04 67.68 175.44 Tm (watchdog committee that's supported by the State of California and a cou\ ple other )Tj 13.03 0 0 13.03 67.68 160.32 Tm (political people, and what they're doing is they're trying to keep peopl\ e from )Tj EMC /TD <>BDC 12 0 0 12 42.24 145.2 Tm (26 )Tj EMC /TD <>BDC 13.28 0 0 13.28 67.68 145.44 Tm (preying on people like you." PX 23 \(Budich\), Att. A, at 642-43. Anothe\ r LMS )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /TD <>BDC 13.08 0 0 13.08 67.68 130.32 Tm (phone representative told an FTC investigator that LMS was "certified to\ work )Tj 13.07 0 0 13.07 67.68 114.96 Tm (with all nationwide lenders as well as over hundred lenders who are not \ )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC /TD <>BDC 13.23 0 0 13.23 67.68 100.08 Tm (nationwide." PX 24 \(Redding\), Att. AA, at 1095. )Tj EMC /TD <>BDC 9.12 0 0 9.12 290.16 75.36 Tm (15 )Tj EMC ET endstream endobj 862 0 obj <> endobj 863 0 obj <> endobj 864 0 obj <> endobj 865 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 866 0 obj <> endobj 867 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 868 0 obj [1/space] endobj 869 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 870 0 obj <> endobj 871 0 obj <> endobj 872 0 obj <> endobj 873 0 obj <> endobj 874 0 obj <> endobj 875 0 obj <> endobj 876 0 obj <> endobj 877 0 obj <> endobj 878 0 obj <> endobj 879 0 obj <> endobj 880 0 obj <> endobj 881 0 obj <> endobj 882 0 obj <> endobj 883 0 obj <> endobj 884 0 obj <> endobj 885 0 obj <> endobj 886 0 obj <> endobj 887 0 obj <> endobj 888 0 obj <> endobj 889 0 obj <> endobj 890 0 obj <> endobj 891 0 obj <> endobj 892 0 obj <> endobj 893 0 obj <> endobj 894 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.41 0 0 13.41 49.92 695.76 Tm (1 PX 24 \(Redding\), Att. AA, at 1103 \(one to three months\). In realit\ y, Defendants )Tj EMC /Span <>BDC 13.43 0 0 13.43 48.72 673.68 Tm (2 often fail to come anywhere close to satisfying this representation. E\ .g., PX 14 )Tj EMC /P <>BDC /T1_1 1 Tf 8.42 0 0 8.42 48.96 651.36 Tm (3 \(Studt\) ii 9, at 281 \(no results after nearly three months\); PX 16\ \(Turley\) ii 27, at 293\001 )Tj EMC /P <>BDC 9 0 0 9 48.72 629.52 Tm (4 \(modification denied after seven months\); PX 10 \(Ruiz\) ii 26, at 1\ 98 \(home sold in\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.19 0 0 12.19 48.96 607.44 Tm (5 foreclosure after nine months\); PX 02 \(Bavadi\) ii 16, at 23 \(no re\ sults after six )Tj EMC /P <>BDC /T1_1 1 Tf 10.64 0 0 10.64 48.96 585.36 Tm (6 months\).\001 )Tj EMC /P <>BDC 9.97 0 0 9.97 48.96 563.28 Tm (7 To convince consumers they have a better chance of obtaining a loan\001\ )Tj EMC /P <>BDC 9.21 0 0 9.21 49.2 541.2 Tm (8 modification if they hire Defendants, Direct Lender and LMS have decep\ tively\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.18 0 0 12.18 48.96 519.36 Tm (9 claimed to have special relationships with lenders and special experti\ se that wil )Tj 12.22 0 0 12.22 43.44 497.52 Tm (10 benefit consumers. For example, an LMS representative told Luis Osori\ o that it )Tj EMC /P <>BDC /T1_0 1 Tf 13.3 0 0 13.3 43.44 475.44 Tm (11 could "pull strings" to secure him a modification with better terms t\ han one he )Tj EMC /P <>BDC /T1_2 1 Tf 12.36 0 0 12.36 43.44 453.36 Tm (12 already had been offered by his lender. PX 08 \(Osorio\) ii 4, at 170\ . After Mr. Osorio )Tj 12.2 0 0 12.2 43.44 431.28 Tm (13 paid a $2,500 up-front fee, LMS presented him with the same loan modi\ fication offer )Tj 11.8 0 0 11.8 43.44 409.44 Tm (14 he previously had received. I d. iiii 1 1 - 1 2, at 172-73; see also \ PX 04 \(Dondi\) iiii 5, 19 )Tj EMC /P <>BDC /T1_1 1 Tf 9.3 0 0 9.3 43.44 387.36 Tm (15 & Att. I, at 45,48,91 \(Direct Lender claimed it could work with bank\ managers who\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.28 0 0 13.28 43.44 365.28 Tm (16 consumers could not reach by phone, but after collecting a $4,995 adv\ ance fee, )Tj 13.26 0 0 13.26 43.44 343.44 Tm (17 admitted it was simply leaving messages with customer service because\ it did not )Tj EMC /P <>BDC /T1_2 1 Tf 12.11 0 0 12.11 43.44 321.36 Tm (18 have the phone number of a negotiator\); PX 13 \(Stewart\) iiii 4, 9,\ 13, at 249,251, 252 )Tj EMC /P <>BDC /T1_0 1 Tf 13.28 0 0 13.28 43.44 299.28 Tm (19 \(LMS claimed it knew "all the right people" to secure a modification\ that would save )Tj /T1_2 1 Tf 12.04 0 0 12.04 42.24 277.2 Tm (20 her hundreds of dollars each month, but after collecting a $3,500 adv\ ance fee, LMS )Tj 12.06 0 0 12.06 42.24 255.12 Tm (21 presented the consumer a loan modification offer that increased her m\ onthly )Tj 12.09 0 0 12.09 42.24 233.28 Tm (22 payments by $50\).5 Notwithstanding these and other failures, LMS sta\ tes on its )Tj /T1_0 1 Tf 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /P <>BDC 13.05 0 0 13.05 102 180.96 Tm (5 In many other instances, consumers have paid Defendants' up-front fee \ )Tj 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /P <>BDC 13.03 0 0 13.03 68.16 160.32 Tm (only to be told by their lenders that they do not work with third partie\ s such as )Tj 13.39 0 0 13.39 42.24 145.2 Tm (26 LMS to modify consumers' mortgages. PX 05 \(Hall\) ii 8, at 95; PX 18\ \(Wells\) )Tj EMC /P <>BDC 13.37 0 0 13.37 42.24 123.12 Tm (27 ii 12, at 441-42; PX 06 \(Luke\) ii 25, at 119-20. In other cases, le\ nders have told)Tj EMC /P <>BDC 13.1 0 0 13.1 68.16 114.96 Tm (consumers they had never been contacted by Defendants. PX 10 \(Ruiz\) ii\ 16, at )Tj 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj 12.3 0 0 12.3 69.12 100.08 Tm (195-96. )Tj EMC /Artifact <>BDC 9.6 0 0 9.6 290.16 75.36 Tm (14 )Tj EMC ET endstream endobj 895 0 obj <> endobj 896 0 obj <> endobj 897 0 obj <> endobj 898 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 899 0 obj <> endobj 900 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 901 0 obj [1/space] endobj 902 0 obj <>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd 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claims; these claims \ are material )Tj EMC /P <>BDC /T1_1 1 Tf 12.21 0 0 12.21 48.96 651.36 Tm (3 to consumers and are likely to mislead; and thus, the FTC is likely to\ prevail in )Tj 12.27 0 0 12.27 48.72 629.52 Tm (4 showing that Defendants are violating Section 5 of the FTC Act. )Tj EMC /Span <>BDC /T1_0 1 Tf 11.84 0 0 11.84 169.68 596.64 Tm (2. )Tj EMC /Span <>BDC 14.13 0 0 14.13 203.76 596.64 Tm (The Corporate and Individual Defendants are Subject)Tj EMC /P <>BDC 10.56 0 0 10.56 48.96 585.36 Tm (6 )Tj 14.34 0 0 14.34 203.52 585.6 Tm (to Joint and Several Liabilty\001 )Tj 10.08 0 0 10.08 48.96 563.28 Tm (7 )Tj 12.45 0 0 12.45 203.76 563.52 Tm (a. )Tj 14.03 0 0 14.03 237.6 563.52 Tm (The Corporate Defendants are Liable as a\001)Tj EMC /P <>BDC /T1_1 1 Tf 12.74 0 0 12.74 237.6 552.48 Tm (Common Enterprise )Tj EMC /P <>BDC /T1_0 1 Tf 9.6 0 0 9.6 49.2 541.2 Tm (8 )Tj EMC /P <>BDC 13 0 0 13 102.24 530.4 Tm (Corporate defendants may be held jointly and severally liable if they op\ erate as )Tj 10.08 0 0 10.08 48.96 519.36 Tm (9 )Tj 13.28 0 0 13.28 68.16 508.56 Tm (a common enterprise. FTC v. J.K. Publns, Inc., 99 F. Supp. 2d 1176, 1202\ \(C.D. )Tj EMC /P <>BDC 12.99 0 0 12.99 68.16 486.24 Tm (Cal. 2000\); see also Sunshine Art Studios, Inc. v. FTC, 481 F.2d 1171, \ 1173 \(5th Cir. )Tj EMC /P <>BDC 9.6 0 0 9.6 43.44 475.44 Tm (11 )Tj EMC /P <>BDC /T1_1 1 Tf 11.88 0 0 11.88 69.12 464.4 Tm (1973\); FTC v. Think Achievement Corp., 144 F. Supp. 2d 993, 1011 \(N.D.\ Ind. 2000\). )Tj EMC /P <>BDC /T1_0 1 Tf 10.56 0 0 10.56 43.44 453.36 Tm (12 )Tj 13.04 0 0 13.04 68.16 442.56 Tm (To determine whether a common enterprise exists, "the pattern and frame-\ work of the )Tj 10.08 0 0 10.08 43.44 431.28 Tm (13 )Tj EMC /P <>BDC /T1_1 1 Tf 11.98 0 0 11.98 67.68 420.24 Tm (whole enterprise must be taken into consideration." Delaware Watch Co. v\ . FTC, )Tj EMC /P <>BDC /T1_0 1 Tf 10.8 0 0 10.8 43.44 409.44 Tm (14 )Tj 13.24 0 0 13.24 68.16 398.16 Tm (332 F.2d 745,746 \(2d Cir. 1964\) \(quoting Art Natl Mfrs. Distrib. Co. \ v. FTC, 298 )Tj EMC /P <>BDC /T1_2 1 Tf 5 0 0 5 67.92 376.32 Tm (F.2d 476,477 \(2d Cir. 1962\)\). A host of \001)Tj EMC /P <>BDC /T1_0 1 Tf 13.19 0 0 13.19 285.36 376.32 Tm (factors may demonstrate the existence ofa )Tj 10.8 0 0 10.8 43.44 365.28 Tm (16 )Tj 13.12 0 0 13.12 68.16 354.24 Tm (common enterprise, including: common control, shared officers, shared of\ fice space, )Tj 10.56 0 0 10.56 43.44 343.44 Tm (17 )Tj 13.05 0 0 13.05 68.16 332.16 Tm (commingling of funds, unified advertising and whether business was trans\ acted )Tj 10.56 0 0 10.56 43.44 321.36 Tm (18 )Tj EMC /P <>BDC /T1_2 1 Tf 5 0 0 5 67.92 310.32 Tm (through a maze of \001)Tj EMC /P <>BDC /T1_1 1 Tf 11.96 0 0 11.96 166.08 310.32 Tm (interrelated companies. Id.; FTC v. Neovi, Inc., 598 F. Supp. 2d )Tj EMC /P <>BDC /T1_0 1 Tf 10.56 0 0 10.56 43.44 299.28 Tm (19 )Tj EMC /P <>BDC /T1_1 1 Tf 12.21 0 0 12.21 69.12 288.24 Tm (1104,1116 \(S.D. Cal. 2008\); J.K. Publns, 99 F. Supp. 2d at 1201-02. Co\ ntinuity, )Tj EMC /P <>BDC /T1_0 1 Tf 13.02 0 0 13.02 68.4 266.16 Tm (such as product continuity and work force continuity, may also make one \ corporation )Tj 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj 13.43 0 0 13.43 68.16 244.32 Tm (liable for another. FTC v. Us. Oil & Gas Corp., No. 83-1702,1987 U.S. Di\ st. )Tj 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj EMC /P <>BDC 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj 12 0 0 12 42.24 189.12 Tm (24 )Tj 13.15 0 0 13.15 69.12 190.8 Tm (1994\)\). Moreover, consumers reasonably assume that Defendants' claims \ of )Tj 13.08 0 0 13.08 68.4 175.44 Tm (successful loan modifications would apply to them. Five-Star Auto Club, \ 97 F. )Tj 13.26 0 0 13.26 68.4 160.32 Tm (Supp. 2d at 528. The FTC, however, does not have to prove actual relianc\ e. FTC )Tj EMC /P <>BDC /T1_1 1 Tf 12.29 0 0 12.29 42.24 145.2 Tm (26 v. Freecom Commc'ns, 401 F.3d 1192,1204 n.7 \(lOth Cir. 2005\) \("\(T\ Jhe FTC )Tj EMC /P <>BDC 0 -1.797 TD (27 need not prove scienter, reliance, or injury to establish a \247 5 vi\ olation."\). Further,)Tj 11.77 0 0 11.77 68.16 112.8 Tm ("\(tJhe existence of a money-back guarantee. . . is neither a cure for d\ eception nor a)Tj EMC /P <>BDC /T1_0 1 Tf 13.42 0 0 13.42 42.24 101.04 Tm (28 remedy for consumer injury." SlimAmerica, 77 F. Supp. 2d at 1272. )Tj EMC /Artifact <>BDC 10.08 0 0 10.08 289.2 75.12 Tm (35\001 )Tj EMC ET endstream endobj 1160 0 obj <> endobj 1161 0 obj <> endobj 1162 0 obj <> endobj 1163 0 obj <> endobj 1164 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1165 0 obj [1/space] endobj 1166 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1167 0 obj <> endobj 1168 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 1169 0 obj [1/space] endobj 1170 0 obj <> endobj 1171 0 obj <> endobj 1172 0 obj <> endobj 1173 0 obj [414 0 R 415 0 R] endobj 1174 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 8.81 0 0 8.81 49.92 695.76 Tm (1 that identify consumers' lenders and specify their loan amounts is exp\ ressly contrary\001 )Tj EMC /P <>BDC 8.83 0 0 8.83 48.72 673.68 Tm (2 to public policy, as articulated by California law. See Cal. Bus. & Pr\ of. Code\001 )Tj EMC /P <>BDC 8.99 0 0 8.99 48.96 651.36 Tm (3 \247 \247 14701 -02. Consistent with the deceptive overall net impress\ ion conveyed by the\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.33 0 0 13.33 48.72 629.52 Tm (4 solicitation letter, numerous consumers report having believed that LM\ S was their )Tj EMC /P <>BDC /T1_2 1 Tf 12.32 0 0 12.32 48.96 607.44 Tm (5 lender or servicer or was somehow affiiated with their lender or servi\ cer. )Tj 12.96 0 0 12.96 48.96 585.36 Tm (6 As a matter of law, Defendants' deceptive claims concerning their succ\ ess rate, )Tj EMC /P <>BDC /T1_0 1 Tf 8.8 0 0 8.8 48.96 563.28 Tm (7 their guarantee, and their affiiation with consumers' lenders are mate\ rial because\001 )Tj EMC /P <>BDC 8.9 0 0 8.9 49.2 541.2 Tm (8 they are express \(or nearly express\) in nature and would affect cons\ umers' decision\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.12 0 0 13.12 48.96 519.36 Tm (9 to purchase Defendants' mortgage loan modification services. 17 Indeed\ , Defendants' )Tj 13.25 0 0 13.25 43.44 497.52 Tm (10 claim that they will obtain modifications in all or virtually all cas\ es goes to the core )Tj 13.37 0 0 13.37 43.44 475.44 Tm (11 of why consumers would consider purchasing their services. Defendants\ ' deceptive )Tj 13.39 0 0 13.39 43.44 453.36 Tm (12 refund and lender affiiation claims also are important to consumers' \ purchase )Tj 13.36 0 0 13.36 43.44 431.52 Tm (13 decisions. It is also a matter of law that consumers are entitled to \ rely on express )Tj EMC /P <>BDC /T1_2 1 Tf 11.94 0 0 11.94 43.44 409.44 Tm (14 claims and are under no obligation to doubt the veracity of such )Tj EMC /Link <>BDC (claims.18 )Tj EMC /P <>BDC /T1_1 1 Tf 10.32 0 0 10.32 43.44 387.36 Tm (15 )Tj EMC /P <>BDC 10.8 0 0 10.8 43.44 365.28 Tm (16 )Tj /T1_2 1 Tf 12.17 0 0 12.17 68.4 364.56 Tm (strong initial message. . . ."\), aff'd, 884 F.2d 1489 \(l st Cir. 1989\)\ ; FTC Policy )Tj EMC /StyleSpan <>BDC /T1_1 1 Tf 10.56 0 0 10.56 43.44 343.44 Tm (17 )Tj EMC /P <>BDC 13.21 0 0 13.21 68.4 349.44 Tm (Statement on Deception \(l983\), appended to Clifdale Assocs., 103 F.T.C\ . at 180\255)Tj EMC /Span <>BDC 11.71 0 0 11.71 68.4 334.32 Tm (81. )Tj EMC /LI <>BDC 10.56 0 0 10.56 43.44 321.36 Tm (18 )Tj EMC /P <>BDC 12.95 0 0 12.95 102.72 313.44 Tm (17 A claim is considered material if it "involves information that is im\ portant )Tj EMC /StyleSpan <>BDC 10.56 0 0 10.56 43.44 299.28 Tm (19 )Tj EMC /P <>BDC 13.02 0 0 13.02 67.92 293.04 Tm (to consumers and, hence, \(isJ likely to affect their choice of, or cond\ uct regarding a )Tj 12 0 0 12 42.24 277.2 Tm (20 )Tj 13.12 0 0 13.12 67.68 277.92 Tm (product." FTC v. )Tj EMC /Link <>BDC (Cyberspace.com)Tj EMC /P <>BDC ( LLC, 453 F.3d 1196, 1201 \(9th Cir. 2006\) )Tj EMC /StyleSpan <>BDC 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj EMC /P <>BDC 13.19 0 0 13.19 68.16 260.16 Tm (\(quoting Clifdale Assocs., 103 F.T.C. at 165\). Express claims and impl\ ied claims )Tj EMC /P <>BDC /T1_2 1 Tf 11.57 0 0 11.57 67.68 247.2 Tm (used to induce the purchase of a product are presumed to be materiaL. Th\ ompson )Tj EMC /P <>BDC /T1_1 1 Tf 13.38 0 0 13.38 42.24 233.28 Tm (22 Med. Co., 104 F.T.C. at 816; see also Pantron I Corp., 33 F.3d at 109\ 5-96; FTC v. )Tj EMC /StyleSpan <>BDC 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj EMC /P <>BDC 13.36 0 0 13.36 67.44 217.2 Tm (Figgie Intl, Inc., 994 F.2d 595,604 \(9th Cir. 1993\) \(no distinction b\ etween )Tj 12.9 0 0 12.9 68.16 201.84 Tm (express and implied claims\); Am. Home Prods., 695 F.2d at 688 n.1 1 \("\ Once the )Tj EMC /StyleSpan <>BDC 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /P <>BDC 13.01 0 0 13.01 68.16 186.72 Tm (Commission finds deception, it is normally allowed to infer materiality.\ "\). )Tj EMC /P <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj 13.06 0 0 13.06 102.72 165.84 Tm (18 See FTC v. Standard Educ. Soc 'y, 302 U.S. 112, 116 \(l937\); Five-St\ ar )Tj EMC /P <>BDC 13.3 0 0 13.3 42.24 145.2 Tm (26 Auto Club, 97 F. Supp. 2d at 528 \("Consumer reliance on express clai\ ms is )Tj 13.13 0 0 13.13 67.68 130.32 Tm (presumptively reasonable. It is reasonable to interpret express statemen\ ts as)Tj EMC /P <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /P <>BDC 13.15 0 0 13.15 68.16 115.2 Tm (intending to say exactly what they say."\) \(quoting FTC v. Intl Computi\ ng )Tj 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj 13.05 0 0 13.05 68.4 99.84 Tm (Concepts, Inc., No. 5:94CV1678, 1994 WL 730144, at *12 \(N.D. Ohio Oct. \ 24, )Tj EMC /Artifact <>BDC 10.56 0 0 10.56 289.2 75.12 Tm (34\001 )Tj EMC ET endstream endobj 1175 0 obj <> endobj 1176 0 obj <> endobj 1177 0 obj <> endobj 1178 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1179 0 obj <> endobj 1180 0 obj <>stream H\0E @zmfӸ$=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"$Pc@cdqMKՐšH;"dqw v{pápaw H;,ph:=qu4TG浨oj5\,z٣8rv/H >^#es9@/AE/Kˊrl.8]%3&cr``(_4xL”6Ii)>Ed endstream endobj 1181 0 obj [1/space] endobj 1182 0 obj <> endobj 1183 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1184 0 obj [1/space] endobj 1185 0 obj <> endobj 1186 0 obj <> endobj 1187 0 obj <> endobj 1188 0 obj <> endobj 1189 0 obj <> endobj 1190 0 obj <> endobj 1191 0 obj <> endobj 1192 0 obj <> endobj 1193 0 obj <> endobj 1194 0 obj <> endobj 1195 0 obj <> endobj 1196 0 obj <> endobj 1197 0 obj <> endobj 1198 0 obj <> endobj 1199 0 obj <> endobj 1200 0 obj <> endobj 1201 0 obj <> endobj 1202 0 obj [413 0 R] endobj 1203 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 9.61 0 0 9.61 49.92 695.76 Tm (1 Moreover, Defendants' purported disclaimer at the bottom of the letter\ is\001 )Tj EMC /P <>BDC 8.77 0 0 8.77 48.72 673.68 Tm (2 entirely ineffective. The disclaimer is not presented in a clear or pr\ ominent manner,\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.32 0 0 13.32 48.96 651.36 Tm (3 is not connected to any representation in the text by a footnote or as\ terisk, and )Tj EMC /P <>BDC /T1_0 1 Tf 8.85 0 0 8.85 48.72 629.52 Tm (4 directly contradicts many of the core claims made in bold, headline re\ presentations\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.41 0 0 12.41 48.96 607.44 Tm (5 and in the body of the letter. After prominently identifying the consu\ mer's lender )Tj 12.08 0 0 12.08 48.96 585.36 Tm (6 and loan amount in bold print near the top of the letter, and instruct\ ing consumers to )Tj EMC /P <>BDC /T1_0 1 Tf 8.98 0 0 8.98 48.96 563.28 Tm (7 "contact us today regarding your existing mortgage," the inconspicuous\ disclaimer at\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.21 0 0 13.21 49.2 541.2 Tm (8 the bottom states "\( w Je are not an affiiate of, nor endorsed by, no\ r associated with )Tj 13.15 0 0 13.15 48.96 519.36 Tm (9 your lender."15 As set forth in long-standing FTC Act case precedent, \ "\( dJisclaimers )Tj 13.26 0 0 13.26 43.44 497.52 Tm (10 or qualifications in any particular ad are not adequate to avoid liab\ ility unless they are )Tj EMC /P <>BDC /T1_0 1 Tf 9.25 0 0 9.25 43.44 475.44 Tm (11 sufficiently prominent and unambiguous to change the apparent meaning\ of the\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.13 0 0 12.13 43.44 453.36 Tm (12 claims and to leave an accurate impression. Anything less is only lik\ ely to cause )Tj 12.39 0 0 12.39 43.44 431.28 Tm (13 confusion by creating contradictory double meanings." Removatron Intl\ Corp. v. )Tj EMC /P <>BDC /T1_1 1 Tf 13.48 0 0 13.48 43.44 409.44 Tm (14 FTC, 884 F.2d 1489,1497 \(lst Cir. 1989\); see also FTC v. QT, Inc., \ 448 F. Supp. 2d )Tj EMC /P <>BDC /T1_2 1 Tf 12.17 0 0 12.17 43.44 387.36 Tm (15 908,929-30 \(N.D. IlL. 2006\) \(inconspicuous disclaimers do not cure\ deceptive overall )Tj 12.06 0 0 12.06 43.44 365.28 Tm (16 net )Tj EMC /Link <>BDC (impression\).16)Tj EMC /P <>BDC ( Further, employing inconspicuous disclaimers in communications )Tj EMC /P <>BDC /T1_1 1 Tf 10.56 0 0 10.56 43.44 343.44 Tm (17 )Tj 12.93 0 0 12.93 102.72 328.56 Tm (15 Not only is the disclaimer ineffective for its purported purpose, it \ is)Tj EMC /P <>BDC 10.56 0 0 10.56 43.44 321.36 Tm (18 )Tj EMC /P <>BDC 13.02 0 0 13.02 68.16 307.92 Tm (evidence that LMS is aware of, and intends to convey the claim that the \ solicitation)Tj EMC /StyleSpan <>BDC 10.56 0 0 10.56 43.44 299.28 Tm (19 )Tj EMC /P <>BDC 13.18 0 0 13.18 67.68 292.8 Tm (was sent by the consumer's lender, or a party affiiated with, working wi\ th, or )Tj 12 0 0 12 42.24 277.2 Tm (20 )Tj 13.14 0 0 13.14 68.16 277.92 Tm (authorized by, the consumer's lender. Although not necessary, a showing \ of intent )Tj EMC /P <>BDC 13.01 0 0 13.01 67.92 262.8 Tm (to make a claim is powerful evidence that the alleged claim in fact was \ conveyed to)Tj EMC /StyleSpan <>BDC 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj EMC /P <>BDC 13.2 0 0 13.2 68.16 247.2 Tm (consumers. See, e.g., In re Telebrands Corp., 140 F.T.C. 278, 304 \(2005\ \) \(citing )Tj 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj 13.28 0 0 13.28 67.44 232.32 Tm (In re Novartis Corp., 127 F.T.C. 580, 683 \(l999\)\). )Tj EMC /P <>BDC 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj 13.14 0 0 13.14 102.72 211.2 Tm (16 See also In re Thompson Med. Co., 104 F.T.C. 648,799 \(l984\) )Tj EMC /P <>BDC 12 0 0 12 42.24 189.12 Tm (24\001 )Tj 13.26 0 0 13.26 68.16 188.16 Tm (\("\(PJersons reading a print ad often wil read only the headline, and w\ il take their )Tj 13.12 0 0 13.12 68.4 175.44 Tm (sole impression of the ad from it. The special significance of headlines\ has)Tj EMC /P <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /P <>BDC 13.03 0 0 13.03 67.68 160.56 Tm (previously been recognized in Commission cases, which hold that even an \ express )Tj 12 0 0 12 42.24 145.2 Tm (26 )Tj 13.02 0 0 13.02 68.16 145.2 Tm (disclosure in the text of an ad may not be enough to change the ad's net\ impression )Tj 13.23 0 0 13.23 67.68 130.08 Tm (upon consumers."\), aff'd, 791 F.2d 189 \(D.C. Cir. 1986\); In re Remova\ tron Intl)Tj EMC /P <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /P <>BDC 13.27 0 0 13.27 68.4 114.96 Tm (Corp., 111 F.T.C. 206,294 \(l988\) \("\(EJquivocal, vague, and ambiguous\ )Tj 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC /P <>BDC /T1_2 1 Tf 11.66 0 0 11.66 68.64 97.68 Tm (\(qualifications J . . . could not reasonably be expected to offset or u\ ndo the clear and )Tj EMC /Artifact <>BDC /T1_1 1 Tf 10.08 0 0 10.08 289.2 75.12 Tm (33 )Tj EMC ET endstream endobj 1204 0 obj <> endobj 1205 0 obj <> endobj 1206 0 obj <> endobj 1207 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1208 0 obj <> endobj 1209 0 obj <>stream H\͎0 _gL7YG{6R1b޾>2"G䳍|D|>>~UyOax}TxSAFޯ7N?(᜺Q5MQe_O/GA9ĹOJ?rqiUIn _ Q:~ qKX4Z麶)N̵]h3 -;88*jZ `pN+UA  >*H რ >*H რ >*H რ >*H0PQ6"dPc@cdq/dqh8Y'Ȫ 5phyp}pán8kt{ hΡkQߢ(jrd[GV.0A/#{9HerRE/u^n%3&cr``(> endobj 1212 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1213 0 obj [1/space] endobj 1214 0 obj <> endobj 1215 0 obj <> endobj 1216 0 obj <> endobj 1217 0 obj <> endobj 1218 0 obj <> endobj 1219 0 obj <> endobj 1220 0 obj <> endobj 1221 0 obj <> endobj 1222 0 obj <> endobj 1223 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.47 0 0 13.47 49.92 695.76 Tm (1 actual mortgage loan near the top in bold print. Id. The letter presen\ ts the company )Tj EMC /Span <>BDC 13.33 0 0 13.33 48.72 673.68 Tm (2 name, "Loss Mitigation Services," in a generic typeface, and includes \ no company )Tj EMC /P <>BDC /T1_1 1 Tf 12.31 0 0 12.31 48.96 651.36 Tm (3 logo to suggest that "Loss Mitigation Services" is an independent comp\ any. Id. The )Tj EMC /P <>BDC /T1_2 1 Tf 5 0 0 5 48.72 629.52 Tm (4 company's name resembles that of \001)Tj EMC /P <>BDC /T1_0 1 Tf 12.99 0 0 12.99 252 629.52 Tm (the "loss mitigation department" in many lenders' )Tj EMC /P <>BDC /T1_1 1 Tf 12.24 0 0 12.24 48.96 607.44 Tm (5 operations that handles loan modifications. See supra Part III. The le\ tter also omits )Tj EMC /P <>BDC /T1_0 1 Tf 13.36 0 0 13.36 48.96 585.36 Tm (6 the word "Inc." when using the name "Loss Mitigation Services," furthe\ r obscuring )Tj EMC /P <>BDC 13.28 0 0 13.28 48.96 563.28 Tm (7 that LMS is an independent company, distinct from the consumer's mortg\ age lender. )Tj EMC /P <>BDC /T1_1 1 Tf 12.2 0 0 12.2 49.2 541.2 Tm (8 See supra Part IV.C. When consumers call LMS's toll free number, telem\ arketers )Tj EMC /P <>BDC 12.31 0 0 12.31 48.96 519.36 Tm (9 answer the phone, "modification department, can I help you?" without i\ dentifying )Tj EMC /P <>BDC /T1_0 1 Tf 13.45 0 0 13.45 43.44 497.52 Tm (10 LMS. See id. Defendants' representatives often continue to obfuscate \ in subsequent )Tj EMC /P <>BDC /T1_1 1 Tf 13.27 0 0 13.27 43.44 475.44 Tm (11 contacts. Id.\001 )Tj 13.03 0 0 13.03 43.44 453.36 Tm (12 The deceptive claim that LMS is the consumer's mortgage lender or ser\ vicer,\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.41 0 0 13.41 43.44 431.28 Tm (13 or a party affiiated with, working with, or authorized by the consume\ r's lender or )Tj EMC /P <>BDC /T1_1 1 Tf 12.19 0 0 12.19 43.44 409.44 Tm (14 servicer, is express or strongly implied in the solicitation letters.\ See, e.g, Kraft, Inc. )Tj 12.18 0 0 12.18 43.44 387.36 Tm (15 v. FTC, 970 F .2d 311, 319 \(7th Cir. 1992\) \("\(IJmplied claims fal\ l on a continuum, )Tj 12.23 0 0 12.23 43.44 365.28 Tm (16 ranging from the obvious to the barely discernible."\). Established l\ aw directs courts )Tj EMC /P <>BDC /T1_0 1 Tf 13.2 0 0 13.2 43.44 343.44 Tm (1 7 to consider the "overall net impression" of the advertisement to det\ ermine whether a )Tj 13.42 0 0 13.42 43.44 321.36 Tm (18 particular claim is made. See Am. Home Prods. Corp. v. FTC, 695 F.2d \ 681,687 \(3d )Tj EMC /P <>BDC /T1_2 1 Tf 9.03 0 0 9.03 43.44 299.28 Tm (19 Cir. 1982\) \("\(TJhe tendency of the advertising to deceive must be \ judged by viewing\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.33 0 0 13.33 42.24 277.2 Tm (20 it as a whole."\) \(alteration in original\) \(quoting Beneficial Cor\ p. v. FTC, 542 F.2d )Tj EMC /P <>BDC /T1_1 1 Tf 12.54 0 0 12.54 42.24 255.12 Tm (21 611,617 \(3d Cir. 1976\)\); FTC v. Gil, 71 F. Supp. 2d 1030,1043 \(C.\ D. Cal. 1999\) )Tj 12.28 0 0 12.28 42.24 233.28 Tm (22 \(the Court looks at "overall net impression" in deciding questions o\ f ad )Tj EMC /P <>BDC /T1_0 1 Tf 13.19 0 0 13.19 42.24 211.2 Tm (23 interpretation\) \(quoting FTC v. US Sales Corp., 785 F. Supp. 737, 7\ 45 \(N.D. IlL. )Tj EMC /P <>BDC /T1_1 1 Tf 12.25 0 0 12.25 42.24 189.12 Tm (24 1992\)\). When considered in its entirety, Defendants' solicitation, \ which names the )Tj 12.03 0 0 12.03 42.24 167.04 Tm (25 consumer's mortgage lender and provides the initial balance of the mo\ rtgage, coupled )Tj EMC /P <>BDC /T1_2 1 Tf 9.32 0 0 9.32 42.24 145.2 Tm (26 with Defendants' subsequent statements convey the overarching message\ that "Loss\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.42 0 0 13.42 42.24 123.12 Tm (27 Mitigation Services" is part of the consumers' lender or servicer, or\ is affiiated with, )Tj 13.37 0 0 13.37 42.24 101.04 Tm (28 working with, or authorized by, the consumers' lender or servicer. )Tj EMC /Artifact <>BDC 10.32 0 0 10.32 289.2 75.12 Tm (32 )Tj EMC ET endstream endobj 1224 0 obj <> endobj 1225 0 obj <> endobj 1226 0 obj <> endobj 1227 0 obj <> endobj 1228 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1229 0 obj [1/space] endobj 1230 0 obj <> endobj 1231 0 obj <>stream H\0E/gE|@b .bڪ7" ! }}_ ±+_}7x41]/1&sL/Li&a(|~y߷ϼxw5ISghIcן/~]6 oX!ݼoL$K`J4:ПRvgm+Rf6̱՛mgvV <<)&X+!(PT +G *4 $@K ( ; ( ( ( ( ( ( ( ( ( ( ( ( ( (**fs(s!l%qAY΂$,,#PD~džjGM7EA7ήdHXlЍD Fb-\¢kU߳ _,r˯sGʀ\#%0a/{%{K9y){yUγ_Ѻg/ x>98\8>Tc_2"elqJu}e)?E.c endstream endobj 1232 0 obj [1/space] endobj 1233 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 1234 0 obj <> endobj 1235 0 obj <> endobj 1236 0 obj <> endobj 1237 0 obj <> endobj 1238 0 obj <> endobj 1239 0 obj <> endobj 1240 0 obj <> endobj 1241 0 obj <> endobj 1242 0 obj <> endobj 1243 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 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 6.24 0 0 6.24 49.92 695.76 Tm (1 )Tj EMC /Span <>BDC 13.12 0 0 13.12 203.52 684.48 Tm (b. )Tj EMC /Span <>BDC 13.79 0 0 13.79 237.36 684.72 Tm (Defendants Falsely Promise Refunds if They Fail)Tj EMC /P <>BDC 10.56 0 0 10.56 48.72 673.68 Tm (2 )Tj /T1_1 1 Tf 13.07 0 0 13.07 237.36 673.68 Tm (to Obtain Loan Modifications )Tj EMC /P <>BDC /T1_2 1 Tf 9.73 0 0 9.73 48.96 651.36 Tm (3 In numerous instances, Defendants further their deception by telling c\ onsumers\001 )Tj EMC /P <>BDC 9.03 0 0 9.03 48.72 629.52 Tm (4 they wil receive refunds if they do not obtain loan modifications. In \ numerous\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.45 0 0 13.45 48.96 607.44 Tm (5 instances, however, LMS has refused to give consumers full refunds. Se\ e supra Part )Tj 13.39 0 0 13.39 48.96 585.36 Tm (6 IV.B. In other instances, LMS has made it difficult for consumers to r\ equest refunds. )Tj 13.32 0 0 13.32 48.96 563.28 Tm (7 For example, it has made consumers sign a form that purports to "hold \ us free from )Tj EMC /P <>BDC /T1_2 1 Tf 8.43 0 0 8.43 49.2 541.2 Tm (8 all liability and responsibility" and states that "\(p Jrocessing your\ refund could take up\001 )Tj EMC /P <>BDC 8.85 0 0 8.85 48.96 519.36 Tm (9 to thirty \(30\) days." PX 18 \(Wells\), Att. I, at 491. Despite signi\ ng the form, many\001 )Tj EMC /P <>BDC /T1_1 1 Tf 11.92 0 0 11.92 43.44 497.52 Tm (10 consumers report that they never received a refund. E.g., id. ii 20, \ at 444.14 )Tj EMC /P <>BDC /T1_0 1 Tf 9.6 0 0 9.6 43.44 475.44 Tm (11 )Tj EMC /Span <>BDC 11.41 0 0 11.41 203.76 464.16 Tm (c. )Tj EMC /Span <>BDC 14.19 0 0 14.19 237.36 464.4 Tm (Defendants Represent that They are Affiiated)Tj EMC /P <>BDC 10.56 0 0 10.56 43.44 453.36 Tm (12 )Tj 13.96 0 0 13.96 237.12 453.12 Tm (with Consumers' Lenders )Tj EMC /P <>BDC /T1_1 1 Tf 13.14 0 0 13.14 43.44 431.52 Tm (13 Defendants' direct mail solicitation deceives many consumers into bel\ ieving )Tj EMC /P <>BDC /T1_0 1 Tf 13.29 0 0 13.29 43.44 409.44 Tm (14 that it is a notice from the consumer's mortgage lender or servicer, \ or a party )Tj EMC /P <>BDC /T1_2 1 Tf 8.86 0 0 8.86 43.44 387.36 Tm (15 affiiated with, working with, or authorized by, the consumer's lender\ or servicer. In\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.41 0 0 13.41 43.44 365.28 Tm (16 subsequent contacts, Defendants reinforce this misrepresentation. See\ supra Part )Tj EMC /P <>BDC /T1_1 1 Tf 14.48 0 0 14.48 43.44 343.44 Tm (17 IV.C.\001 )Tj 13.1 0 0 13.1 43.44 321.36 Tm (18 Defendants target their direct mail solicitations at consumers who ha\ ve\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.28 0 0 13.28 43.44 299.28 Tm (19 experienced an event suggesting financial hardship, such as a mortgag\ e rate reset or )Tj 13.49 0 0 13.49 42.24 277.2 Tm (20 delinquency. Id. The letters arrive in a window-type envelope, addres\ sed so that the )Tj EMC /P <>BDC /T1_1 1 Tf 12.09 0 0 12.09 42.24 255.12 Tm (21 name of the consumer's mortgage lender or servicer shows through the \ window in )Tj EMC /Span <>BDC /T1_0 1 Tf 13.41 0 0 13.41 42.24 233.28 Tm (22 bold print, separated by a hyphen from the notation "Loan Modificatio\ n Notice." Id. )Tj 13.33 0 0 13.33 42.24 211.2 Tm (23 After opening the envelope, consumers see specific information concer\ ning their )Tj 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /TD <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /TD <>BDC 13.01 0 0 13.01 102.72 165.84 Tm (14 Defendants' purported money-back guarantee - even if honored in some \ )Tj EMC /TD <>BDC 12 0 0 12 42.24 145.2 Tm (26 )Tj EMC /TD <>BDC 13.21 0 0 13.21 68.16 145.2 Tm (cases - is no defense to the alleged misrepresentations. It is well-sett\ led law that )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /TD <>BDC /T1_1 1 Tf 11.88 0 0 11.88 67.68 130.32 Tm (providing refunds does not sanitize misrepresentations. FTC v. Think Ach\ ievement )Tj /T1_0 1 Tf 13.2 0 0 13.2 68.4 114.96 Tm (Corp., 312 F.3d 259,261 \(7th Cir. 2002\) \(stating that argument that )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC /TD <>BDC 13.04 0 0 13.04 67.68 100.08 Tm (misrepresentations are cured by refunds has been "repeatedly rejected"\)\ . )Tj EMC /Artifact <>BDC 9.6 0 0 9.6 289.2 75.12 Tm (31 )Tj EMC ET endstream endobj 1244 0 obj <> endobj 1245 0 obj <> endobj 1246 0 obj <> endobj 1247 0 obj <> endobj 1248 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1249 0 obj [1/space] endobj 1250 0 obj <> endobj 1251 0 obj <>stream H\0E/gE|@b .bڪ7" ! }}_ ±+_}7x41]/1&sL/Li&a(|~y߷ϼxw5ISghIcן/~]6 oX!ݼoL$K`J4:ПRvgm+Rf6̱՛mgvV <<)&X+!(PT +G *4 $@K ( ; ( ( ( ( ( ( ( ( ( ( ( ( ( (**fs(s!l%qAY΂$,,#PD~džjGM7EA7ήdHXlЍD Fb-\¢kU߳ _,r˯sGʀ\#%0a/{%{K9y){yUγ_Ѻg/ x>98\8>Tc_2"elqJu}e)?E.c endstream endobj 1252 0 obj [1/space] endobj 1253 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 1254 0 obj <> endobj 1255 0 obj <> endobj 1256 0 obj <> endobj 1257 0 obj <> endobj 1258 0 obj <> endobj 1259 0 obj <> endobj 1260 0 obj <> endobj 1261 0 obj <> endobj 1262 0 obj <> endobj 1263 0 obj <> endobj 1264 0 obj <> endobj 1265 0 obj <> endobj 1266 0 obj <> endobj 1267 0 obj <> endobj 1268 0 obj <> endobj 1269 0 obj [412 0 R] endobj 1270 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 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 6.24 0 0 6.24 49.92 695.76 Tm (1 )Tj EMC /Span <>BDC 12.45 0 0 12.45 203.76 684.72 Tm (a. )Tj EMC /Span <>BDC 13.89 0 0 13.89 237.36 684.72 Tm (Defendants Falsely Promise to Obtain Loan)Tj EMC /Span <>BDC 10.56 0 0 10.56 48.72 673.68 Tm (2 )Tj 13.61 0 0 13.61 237.36 673.68 Tm (Modifications )Tj EMC /P <>BDC /T1_1 1 Tf 9.59 0 0 9.59 48.96 651.36 Tm (3 Defendants falsely represent that they can obtain loan modifications f\ or\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.45 0 0 13.45 48.72 629.52 Tm (4 consumers in all or virtually all cases. As described above, the evide\ nce )Tj EMC /P <>BDC /T1_2 1 Tf 12 0 0 12 48.96 607.44 Tm (5 demonstrates that Defendants market their mortgage loan modification s\ ervices using )Tj EMC /P <>BDC /T1_0 1 Tf 13.29 0 0 13.29 48.96 585.36 Tm (6 deceptive claims of high success rates and attractive lender concessio\ ns, as well as )Tj EMC /P <>BDC /T1_2 1 Tf 12.25 0 0 12.25 48.96 563.28 Tm (7 numerous other claims that are false. PX 14 \(Studt\) ii 3, at 280; PX\ 05 \(Hall\) ii 3, at )Tj 12.35 0 0 12.35 49.2 541.2 Tm (8 94; PX 16 \(Turley\) ii 4, at 287-88; PX 10 \(Ruiz\) ii 4, at 193; PX \ 13 \(Stewart\) iiii 3-4, )Tj 12.34 0 0 12.34 48.96 519.36 Tm (9 at 249-50; PX 18 \(Wells\) ii 4, at 439; PX 02 \(Bavadi\) ii 4, at 20;\ PX 19 \(White\) ii 4, at )Tj EMC /P <>BDC /T1_0 1 Tf 13.34 0 0 13.34 43.44 497.52 Tm (10 492-93; PX 06 \(Luke\) ii 5, at 115. Despite making these claims, as \ demonstrated by )Tj 13.28 0 0 13.28 43.44 475.44 Tm (1 1 consumer declarations and numerous consumer complaints fied with the\ BBB and )Tj EMC /P <>BDC /T1_2 1 Tf 12.08 0 0 12.08 43.44 453.36 Tm (12 other agencies, Defendants have failed to obtain promised loan modifi\ cations for )Tj EMC /P <>BDC /T1_0 1 Tf 13.59 0 0 13.59 43.44 431.28 Tm (13 many consumers. See supra Part IV.A.5. Defendants cannot represent th\ at they wil )Tj 13.28 0 0 13.28 43.44 409.44 Tm (14 obtain loan modifications for consumers unless that result is, in fac\ t, typical and not )Tj EMC /P <>BDC /T1_2 1 Tf 12.36 0 0 12.36 43.44 387.36 Tm (15 the exception. FTC v. Five-Star Auto Club, Inc., 97 F. Supp. 2d 502,5\ 28 \(S.D.N.Y. )Tj EMC /P <>BDC /T1_0 1 Tf 13.27 0 0 13.27 43.44 365.28 Tm (16 2000\) \("\(IJt would have been reasonable for consumers to have assu\ med that the )Tj EMC /P <>BDC /T1_2 1 Tf 11.99 0 0 11.99 43.44 343.44 Tm (1 7 promised rewards were achievable by the typical. . . )Tj EMC /Link <>BDC (participant."\).13 )Tj EMC /P <>BDC 7.6 0 0 7.6 43.44 321.36 Tm (1 8 )Tj EMC /TD <>BDC /T1_0 1 Tf 10.56 0 0 10.56 43.44 299.28 Tm (19 )Tj EMC /TD <>BDC /T1_2 1 Tf 11.68 0 0 11.68 67.92 293.04 Tm (Fla. Stat. \247 501.1377; 765 IlL. Compo Stat. \247 940/1 et seq.; Ind. \ Code \247 24-5.5-2-1 )Tj EMC /TD <>BDC /T1_0 1 Tf 12 0 0 12 42.24 277.2 Tm (20 )Tj EMC /TD <>BDC 13.03 0 0 13.03 68.16 277.68 Tm (et seq.; Md. Code Ann., Real Prop. \247 7-301 et seq.; Minn. Stat. \247 \ 325N.01 et seq.; )Tj EMC /TD <>BDC 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj EMC /TD <>BDC 13.04 0 0 13.04 67.92 262.8 Tm (Mo. Rev. Stat. \247 407.935 et seq.; N.H. Rev. Stat. Ann. \247 479-B:1 e\ t seq.; R.I. Gen. )Tj 13.09 0 0 13.09 67.92 247.44 Tm (Laws \247 5-79-1 et seq.; see also Cal. Bus. & Prof. Code \247\247 14701\ -02 \(prohibiting )Tj EMC /P <>BDC /T1_2 1 Tf 12.02 0 0 12.02 42.24 233.28 Tm (22 unauthorized use of lender's name or reference to homeowner's loan am\ ount )Tj EMC /StyleSpan <>BDC /T1_0 1 Tf 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj EMC /P <>BDC 13.17 0 0 13.17 67.68 216.96 Tm (without clear and conspicuous disclosure that marketer is not affiiated \ with or )Tj 13.19 0 0 13.19 68.16 202.08 Tm (authorized by the lender\). Despite having been put on notice of its vio\ lation of )Tj EMC /StyleSpan <>BDC 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /P <>BDC 13.04 0 0 13.04 68.16 186.96 Tm (foreclosure consultant laws prohibiting the collection of advance fees i\ n at least )Tj 13.17 0 0 13.17 67.92 171.84 Tm (two states - California and Florida - LMS persisted in soliciting and co\ llecting up\255)Tj EMC /P <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /P <>BDC 13.33 0 0 13.33 68.16 156.72 Tm (front fees from consumers. See infra Part V.c. )Tj 12 0 0 12 42.24 145.2 Tm (26 )Tj EMC /P <>BDC 12.95 0 0 12.95 102.72 135.6 Tm (13 Even if there were any satisfied consumers, this would not be a defen\ se to )Tj 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /P <>BDC 13.12 0 0 13.12 68.16 115.2 Tm (alleged FTC Act violations. FTC v. Amy Travel Serv., Inc., 875 F.2d 564,\ 572 \(7th )Tj 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj /T1_2 1 Tf 12.04 0 0 12.04 68.16 99.84 Tm (Cir. 1989\); FTC v. SlimAmerica, Inc., 77 F. Supp. 2d 1263,1273 \(S.D. F\ la. 1999\). )Tj EMC /P <>BDC /T1_0 1 Tf 10.56 0 0 10.56 289.2 75.12 Tm (30 )Tj EMC ET endstream endobj 1271 0 obj <> endobj 1272 0 obj <> endobj 1273 0 obj <> endobj 1274 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1275 0 obj <> endobj 1276 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1277 0 obj [1/space] endobj 1278 0 obj <>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^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 1279 0 obj <> endobj 1280 0 obj <> endobj 1281 0 obj <> endobj 1282 0 obj <> endobj 1283 0 obj <> endobj 1284 0 obj <> endobj 1285 0 obj <> endobj 1286 0 obj <> endobj 1287 0 obj <> endobj 1288 0 obj <> endobj 1289 0 obj <> endobj 1290 0 obj <> endobj 1291 0 obj <> endobj 1292 0 obj <> endobj 1293 0 obj <> endobj 1294 0 obj <> endobj 1295 0 obj <> endobj 1296 0 obj <> endobj 1297 0 obj <> endobj 1298 0 obj <> endobj 1299 0 obj <> endobj 1300 0 obj <> endobj 1301 0 obj <> endobj 1302 0 obj <> endobj 1303 0 obj <> endobj 1304 0 obj <> endobj 1305 0 obj <> endobj 1306 0 obj <> endobj 1307 0 obj <> endobj 1308 0 obj <> endobj 1309 0 obj <> endobj 1310 0 obj <> endobj 1311 0 obj <> endobj 1312 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 12.42 0 0 12.42 49.92 695.76 Tm (1 1987\) \("No specific or immediate showing of the precise way in which\ violation of )Tj EMC /P <>BDC /T1_1 1 Tf 13.57 0 0 13.57 48.72 673.68 Tm (2 the law wil result in public harm is required."\). Because irreparable\ injury is )Tj EMC /P <>BDC /T1_0 1 Tf 12.18 0 0 12.18 48.96 651.36 Tm (3 presumed in statutory enforcement actions, "the district court need on\ ly. . . find some )Tj 12.17 0 0 12.17 48.72 629.52 Tm (4 chance of probable success on the merits" to grant an injunction. Worl\ d Wide )Tj EMC /P <>BDC /T1_2 1 Tf 9.13 0 0 9.13 48.96 607.44 Tm (5 Factors, 882 F.2d at 347 \(quoting Odessa Union, 833 F.2d at 176\). In\ balancing the\001 )Tj EMC /P <>BDC 8.5 0 0 8.5 48.96 585.36 Tm (6 equities, the public interest should receive greater weight, particula\ rly where, as here,\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.36 0 0 13.36 48.96 563.28 Tm (7 the evidence demonstrates that Defendants are engaged in deceptive pra\ ctices. Id. )Tj EMC /P <>BDC 13.31 0 0 13.31 49.2 541.2 Tm (8 As set forth below, a TRO should issue in this case because the FTC is\ likely to )Tj EMC /P <>BDC /T1_2 1 Tf 9.15 0 0 9.15 48.96 519.36 Tm (9 succeed in proving Defendants are violating the FTC Act and wil contin\ ue to do so\001 )Tj EMC /P <>BDC /T1_0 1 Tf 11.98 0 0 11.98 43.44 497.52 Tm (10 absent court intervention, and because the public interest favors ent\ ry of the )Tj EMC /P <>BDC /T1_1 1 Tf 13.52 0 0 13.52 43.44 475.44 Tm (1 1 requested Order. )Tj EMC /Span <>BDC 10.56 0 0 10.56 43.44 453.36 Tm (12 )Tj 10.88 0 0 10.88 170.4 453.12 Tm (1. )Tj 13.71 0 0 13.71 203.76 453.36 Tm (The FTC is Likely to Succeed on the Merits )Tj EMC /P <>BDC /T1_0 1 Tf 12.94 0 0 12.94 43.44 431.52 Tm (13 As described above and evidenced in the exhibits to this memorandum, \ the )Tj EMC /P <>BDC /T1_1 1 Tf 13.27 0 0 13.27 43.44 409.44 Tm (14 FTC is likely to succeed in establishing that Defendants are violatin\ g Section 5 of the )Tj 13.4 0 0 13.4 43.44 387.36 Tm (15 FTC Act. Section 5 prohibits "unfair or deceptive acts or practices i\ n or affecting )Tj 13.66 0 0 13.66 43.44 365.28 Tm (16 commerce." 15 U.S.c. \247 45\(a\)\(l\). Section 5 condemns as decepti\ ve any material )Tj 13.27 0 0 13.27 43.44 343.44 Tm (17 representation or omission that would likely mislead consumers acting\ reasonably )Tj EMC /P <>BDC /T1_0 1 Tf 12.48 0 0 12.48 43.44 321.36 Tm (18 under the circumstances. FTC v. Gil, 265 F.3d 944,950 \(9th Cir. 2001\ \); Pantron I )Tj 12.37 0 0 12.37 43.44 299.28 Tm (19 Corp., 33 F.3d at 1095 \(citing In re Clifdale Assocs., Inc., 103 F.T\ .C. 110,164-65 )Tj EMC /P <>BDC /T1_2 1 Tf 9.29 0 0 9.29 42.24 277.2 Tm (20 \(l984\)\). Through their marketing practices, Defendants have made m\ aterial\001 )Tj EMC /P <>BDC 8.93 0 0 8.93 42.24 255.12 Tm (2 1 misrepresentations about their purported mortgage loan modification \ services, have\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.2 0 0 12.2 42.24 233.28 Tm (22 falsely represented that they would provide refunds if they did not o\ btain loan )Tj EMC /P <>BDC /T1_1 1 Tf 13.42 0 0 13.42 42.24 211.2 Tm (23 modifications, and have falsely represented that they are affiiated w\ ith, working )Tj 13.08 0 0 13.08 42.24 189.12 Tm (24 with, or authorized by the consumer's lender. 12 )Tj EMC /TD <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /TD <>BDC 12 0 0 12 42.24 145.2 Tm (26 )Tj EMC /TD <>BDC 12.94 0 0 12.94 102.72 150.72 Tm (12 In addition to federal and state laws prohibiting deceptive acts and \ )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /TD <>BDC 13.03 0 0 13.03 67.68 130.32 Tm (practices, many states have enacted laws to protect homeowners by prohib\ iting )Tj 13.02 0 0 13.02 68.16 115.2 Tm (foreclosure consultants from collecting payment before all promised serv\ ices have )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC /TD <>BDC 13.14 0 0 13.14 67.68 99.84 Tm (been completed. Cal. Civ. Code \247 2945 et seq.; Colo. Rev. Stat. \247 \ 6-1-1101 et seq.; )Tj EMC /Artifact <>BDC 10.56 0 0 10.56 288.96 75.36 Tm (29\001 )Tj EMC ET endstream endobj 1313 0 obj <> endobj 1314 0 obj <> endobj 1315 0 obj <> endobj 1316 0 obj <> endobj 1317 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1318 0 obj [1/space] endobj 1319 0 obj <> endobj 1320 0 obj <>stream H\0E @zmfӸ$=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"$Pc@cdqMKՐšH;"dqw v{pápaw H;,ph:=qu4TG浨oj5\,z٣8rv/H >^#es9@/AE/Kˊrl.8]%3&cr``(_4xL”6Ii)>Ed endstream endobj 1321 0 obj [1/space] endobj 1322 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1323 0 obj <> endobj 1324 0 obj <> endobj 1325 0 obj <> endobj 1326 0 obj <> endobj 1327 0 obj <> endobj 1328 0 obj <> endobj 1329 0 obj <> endobj 1330 0 obj <> endobj 1331 0 obj <> endobj 1332 0 obj <> endobj 1333 0 obj <> endobj 1334 0 obj <> endobj 1335 0 obj [411 0 R] endobj 1336 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 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 12.06 0 0 12.06 49.92 695.76 Tm (1 court may exercise the full breadth of its equitable authority in a Se\ ction 1 3\(b\) action )Tj 12.14 0 0 12.14 48.72 673.68 Tm (2 because Congress "did not limit that traditional equitable power" when\ enacting the )Tj EMC /P <>BDC /T1_1 1 Tf 13.5 0 0 13.5 48.96 651.36 Tm (3 FTC Act. H.N. Singer, 668 F.2d at 1113. Thus, the Court has latitude t\ o issue the )Tj 13.32 0 0 13.32 48.72 629.52 Tm (4 full range of equitable relief, including an order to freeze assets an\ d a TRO enjoining )Tj EMC /P <>BDC /T1_2 1 Tf 8.88 0 0 8.88 48.96 607.44 Tm (5 deceptive practices and allowing expedited discovery. See, e.g., id. a\ t 1113-14; Us.\001 )Tj EMC /P <>BDC 9.48 0 0 9.48 48.96 585.36 Tm (6 Oil & Gas, 748 F.2d at 1432; FTCv. Gil, 183 F. Supp. 2d 1171,1175-77 \(\ C.D. Cal.\001 )Tj EMC /P <>BDC 8.97 0 0 8.97 48.96 563.28 Tm (7 2001\); see also S. Rep. No. 103-130, at 15-16 \(l993\), as reprinted \ in 1994\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.24 0 0 13.24 306.96 541.44 Tm (the FTC Act authorizes the FTC to fie)Tj EMC /P <>BDC /T1_2 1 Tf 5 0 0 5 49.2 541.2 Tm (8 U.S.C.C.A.N. 1776,1790-91 \("Section 13 of \001)Tj EMC /P <>BDC /T1_0 1 Tf 12.35 0 0 12.35 48.96 519.36 Tm (9 suit to enjoin any violation of the FTC \(ActJ. The FTC can go into co\ urt ex parte to )Tj EMC /P <>BDC /T1_1 1 Tf 13.29 0 0 13.29 43.44 497.52 Tm (10 obtain an order freezing assets, and is also able to obtain consumer \ redress."\). )Tj 13.28 0 0 13.28 43.44 475.44 Tm (11 Finally, district courts are authorized to depart from normal discove\ ry procedures and )Tj 13.37 0 0 13.37 43.44 453.36 Tm (12 to fashion discovery by order to meet needs in particular cases. Fed.\ R. Civ. P. 1, )Tj EMC /P <>BDC /T1_0 1 Tf 12.36 0 0 12.36 43.44 431.28 Tm (13 26\(b \)\(2\), 30\(a\), 34\(b\). )Tj EMC /P <>BDC /T1_1 1 Tf 10.8 0 0 10.8 43.44 409.44 Tm (14 )Tj EMC /Span <>BDC 12.03 0 0 12.03 135.84 398.4 Tm (B. )Tj EMC /Span <>BDC 14.09 0 0 14.09 169.92 398.4 Tm (The FTC Has Met the Standard for Issuance of a Temporary)Tj EMC /P <>BDC 10.32 0 0 10.32 43.44 387.36 Tm (15 )Tj 14.28 0 0 14.28 169.68 387.36 Tm (Restraining Order )Tj EMC /P <>BDC /T1_0 1 Tf 13.08 0 0 13.08 43.44 365.28 Tm (16 To determine whether to grant a temporary or preliminary injunction i\ n a case )Tj EMC /P <>BDC /T1_2 1 Tf 5 0 0 5 43.44 343.44 Tm (17 pursuant to Section 13\(b\) of \001)Tj EMC /P <>BDC /T1_1 1 Tf 13.03 0 0 13.03 218.16 343.44 Tm (the FTC Act, the Court must consider the Plaintiff's )Tj EMC /P <>BDC /T1_2 1 Tf 5 0 0 5 43.44 321.36 Tm (18 likelihood of \001)Tj EMC /P <>BDC /T1_1 1 Tf 13.1 0 0 13.1 138.96 321.12 Tm (success on the merits and weigh the equities. World Wide Factors, 882 )Tj EMC /P <>BDC /T1_0 1 Tf 12.21 0 0 12.21 43.44 299.28 Tm (19 F.2d at 346; see also FTC v. Arlington Press, Inc., No. 98CV9260, 199\ 9 WL )Tj EMC /P <>BDC /T1_1 1 Tf 13.3 0 0 13.3 42.24 277.2 Tm (20 33562452, at *8 \(C.D. Cal. Jan. 18, 1999\); FTC v. Sage Seminars, In\ c., No. 95-2854, )Tj EMC /P <>BDC /T1_0 1 Tf 12.63 0 0 12.63 42.24 255.12 Tm (21 1995 WL 798938, at *2 \(N.D. Cal. Nov. 2,1995\). Unlike private litig\ ants, the )Tj 12.33 0 0 12.33 42.24 233.28 Tm (22 government need not show irreparable )Tj EMC /Link <>BDC (injury.ll)Tj EMC /P <>BDC ( World Wide Factors, 882 F.2d at )Tj EMC /P <>BDC /T1_1 1 Tf 13.32 0 0 13.32 42.24 211.2 Tm (23 347; United States v. Odessa Union Warehouse Co-op, 833 F.2d 172, 175\ \(9th Cir. )Tj 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /P <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj 12.93 0 0 12.93 102.48 165.84 Tm (11 While not a necessary element, irreparable injury is likely in this c\ ase in )Tj EMC /P <>BDC /T1_2 1 Tf 9.37 0 0 9.37 42.24 145.2 Tm (26 the absence of a TRO. Defendants' conduct is ongoing, and as demonstr\ ated by\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.04 0 0 13.04 67.92 130.32 Tm (the evidence, has caused numerous consumers to suffer devastating financ\ ial)Tj EMC /P <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /P <>BDC 13.16 0 0 13.16 68.16 114.96 Tm (consequences, up to and including losing their homes in foreclosure. See\ supra )Tj 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj 12.96 0 0 12.96 67.92 100.08 Tm (Part iV. )Tj EMC /Artifact <>BDC 10.56 0 0 10.56 288.96 75.36 Tm (28\001 )Tj EMC ET endstream endobj 1337 0 obj <> endobj 1338 0 obj <> endobj 1339 0 obj <> endobj 1340 0 obj <> endobj 1341 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1342 0 obj [1/space] endobj 1343 0 obj <> endobj 1344 0 obj <>stream H\0E @zmfӸ$=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"$Pc@cdqMKՐšH;"dqw v{pápaw H;,ph:=qu4TG浨oj5\,z٣8rv/H >^#es9@/AE/Kˊrl.8]%3&cr``(_4xL”6Ii)>Ed endstream endobj 1345 0 obj [1/space] endobj 1346 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1347 0 obj <> endobj 1348 0 obj <> endobj 1349 0 obj <> endobj 1350 0 obj <> endobj 1351 0 obj [410 0 R] endobj 1352 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 8.81 0 0 8.81 49.92 695.76 Tm (1 proof, the court may issue, a permanent injunction" against violations\ of "any\001 )Tj EMC /P <>BDC 5 0 0 5 48.72 673.68 Tm (2 provision of \001)Tj EMC /P <>BDC /T1_1 1 Tf 12.03 0 0 12.03 135.12 673.68 Tm (law enforced by the 鶹ý Trade Commission." 15 U.S.c. \247 53\(b\).9 \ )Tj EMC /P <>BDC /T1_2 1 Tf 13.31 0 0 13.31 48.96 651.36 Tm (3 The Ninth Circuit has recognized that any case alleging violations of \ a law enforced )Tj 13.42 0 0 13.42 48.72 629.52 Tm (4 by the FTC constitutes a proper case for which injunctive relief may b\ e sought. FTC )Tj EMC /P <>BDC /T1_0 1 Tf 9.1 0 0 9.1 48.96 607.44 Tm (5 v. Evans Prods. Co., 775 F.2d 1084, 1086-87 \(9th Cir. 1985\); H.N. Si\ nger, 668 F.2d\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.23 0 0 12.23 48.96 585.36 Tm (6 at 1111-13. Moreover, Section 13\(b\) preserves the Court's inherent a\ uthority not )Tj EMC /P <>BDC /T1_2 1 Tf 13.44 0 0 13.44 48.96 563.28 Tm (7 only to order permanent relief, restitution, and disgorgement of il-go\ tten gains but )Tj EMC /P <>BDC /T1_0 1 Tf 8.79 0 0 8.79 49.2 541.2 Tm (8 also to grant ancilary and preliminary equitable relief, including tem\ porary orders\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.2 0 0 12.2 48.96 519.36 Tm (9 imposing asset freezes and issuing other relief. FTC v. World Wide Fac\ tors, Ltd., )Tj 12.17 0 0 12.17 43.44 497.52 Tm (10 882 F.2d 344, 346-47 \(9th Cir. 1989\); H.N. Singer, 668 F.2d at 1113\ \(finding that the )Tj EMC /P <>BDC /T1_2 1 Tf 13.2 0 0 13.2 43.44 475.44 Tm (1 1 district court is authorized to order an asset freeze and rescission\ in a case brought )Tj EMC /P <>BDC /T1_1 1 Tf 12.2 0 0 12.2 43.44 453.36 Tm (12 under )Tj EMC /Link <>BDC (13\(b\)\).10 )Tj EMC /P <>BDC 13.05 0 0 13.05 43.44 431.28 Tm (13 Here, where the public interest is at stake, exercise of the Court's \ broad )Tj 12.31 0 0 12.31 43.44 409.44 Tm (14 equitable authority is particularly appropriate. United States v. Lae\ rdal Mfg. Corp., )Tj 12.42 0 0 12.42 43.44 387.36 Tm (15 73 F.3d 852,857 \(9th Cir. 1995\); FTC v. Pantron I Corp., 33 F.3d 10\ 88,1102 \(9th )Tj EMC /P <>BDC /T1_2 1 Tf 13.39 0 0 13.39 43.44 365.28 Tm (16 Cir. 1994\); World Wide Factors, 882 F.2d at 347. The Ninth Circuit h\ as held that a )Tj EMC /P <>BDC 10.56 0 0 10.56 43.44 343.44 Tm (17 )Tj 13.12 0 0 13.12 101.76 328.56 Tm (9 See also FTC v. Gem Merch. Corp., 87 F .3d 466, 468 \(lIth Cir. 1996\)\ )Tj EMC /P <>BDC 10.56 0 0 10.56 43.44 321.36 Tm (18 )Tj 12.93 0 0 12.93 68.16 305.52 Tm (\("Section 1 3\(b\) of the 鶹ý Trade Commission Act authorizes the F\ TC to seek,)Tj EMC /StyleSpan <>BDC 10.56 0 0 10.56 43.44 299.28 Tm (19 )Tj EMC /P <>BDC 13.03 0 0 13.03 68.16 293.04 Tm (and the district courts to grant, preliminary and permanent injunctions \ against )Tj EMC /P <>BDC /T1_1 1 Tf 12.26 0 0 12.26 42.24 277.2 Tm (20 practices that violate any of the laws enforced by the Commission"\).\ The FTC is )Tj EMC /P <>BDC /T1_2 1 Tf 13.06 0 0 13.06 67.68 262.8 Tm (not proceeding under the first proviso of 13\(b\), which allows the Cour\ t to issue)Tj EMC /P <>BDC 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj EMC /P <>BDC /T1_1 1 Tf 12.1 0 0 12.1 67.92 247.44 Tm (temporary relief in aid of an administrative action brought by the FTC. \ Therefore, )Tj EMC /P <>BDC /T1_2 1 Tf 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj 13.04 0 0 13.04 67.92 232.32 Tm (the procedural and notice requirements of the first proviso do not apply\ to this )Tj EMC /P <>BDC /T1_1 1 Tf 11.86 0 0 11.86 68.16 216.96 Tm (case. FTC v. H.N. Singer, Inc., 668 F .2d 1107, 1111 \(9th Cir. 1982\); \ see also FTC)Tj EMC /P <>BDC /T1_2 1 Tf 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj EMC /Span <>BDC 13.47 0 0 13.47 67.92 201.84 Tm (v.)Tj EMC /Span <>BDC ( Us. Oil & Gas Corp., 748 F.2d 1431, 1434 \(lIth Cir. 1984\). )Tj 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /P <>BDC 12.98 0 0 12.98 102.72 180.96 Tm (10 See also Gem Merch. Corp., 87 F.3d at 468-70 \(finding that district \ court )Tj 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /P <>BDC /T1_0 1 Tf 5 0 0 5 67.68 160.56 Tm (may award consumer redress under Section 13 \001)Tj EMC /P <>BDC /T1_2 1 Tf 12.86 0 0 12.86 312 157.92 Tm (\(b\)\); FTC v. Sec. Rare Coin & )Tj 13.49 0 0 13.49 42.24 145.2 Tm (26 Bullon Corp., 931 F.2d 1312, 1314-16 \(8th Cir. 1991\) \(upholding th\ e district )Tj 13.06 0 0 13.06 68.16 130.08 Tm (court's rescission remedy\); FTC v. Southwest Sunsites, Inc., 665 F.2d 7\ 11,718 \(5th)Tj EMC /P <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /P <>BDC 13.05 0 0 13.05 68.16 114.96 Tm (Cir. 1982\) \(stating that court is authorized to "exercise the full ran\ ge of equitable )Tj EMC /P <>BDC /T1_1 1 Tf 12.23 0 0 12.23 42.24 101.04 Tm (28 remedies traditionally available to it" in Section 13 \(b\) actions\)\ . )Tj EMC /Artifact <>BDC /T1_2 1 Tf 10.56 0 0 10.56 288.96 75.36 Tm (27\001 )Tj EMC ET endstream endobj 1353 0 obj <> endobj 1354 0 obj <> endobj 1355 0 obj <> endobj 1356 0 obj <> endobj 1357 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 1358 0 obj [1/space] endobj 1359 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1360 0 obj <> endobj 1361 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1362 0 obj [1/space] endobj 1363 0 obj <> endobj 1364 0 obj <> endobj 1365 0 obj <> endobj 1366 0 obj <> endobj 1367 0 obj <> endobj 1368 0 obj <> endobj 1369 0 obj <> endobj 1370 0 obj <> endobj 1371 0 obj <> endobj 1372 0 obj <> endobj 1373 0 obj <> endobj 1374 0 obj <> endobj 1375 0 obj <> endobj 1376 0 obj <> endobj 1377 0 obj <> endobj 1378 0 obj <> endobj 1379 0 obj <> endobj 1380 0 obj <> endobj 1381 0 obj <> endobj 1382 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.27 0 0 13.27 49.92 695.76 Tm (1 for Defendants to make other misrepresentations that cause consumers t\ o pay the )Tj EMC /P <>BDC /T1_1 1 Tf 9.73 0 0 9.73 48.72 673.68 Tm (2 advance fee.8\001 )Tj EMC /P <>BDC 12.8 0 0 12.8 48.96 651.36 Tm (3 V. )Tj 13.57 0 0 13.57 102 651.6 Tm (LEGAL ANALYSIS\001 )Tj EMC /P <>BDC 9.91 0 0 9.91 48.72 629.52 Tm (4 To stop Defendants' ongoing deceptive marketing of their loan modifica\ tion\001 )Tj EMC /P <>BDC 8.84 0 0 8.84 48.96 607.44 Tm (5 services, the FTC respectfully requests that the Court issue a TRO enj\ oining future\001 )Tj EMC /P <>BDC 8.78 0 0 8.78 48.96 585.36 Tm (6 misrepresentations; prohibiting the collection of advance fees until p\ romised services\001 )Tj EMC /P <>BDC 9.08 0 0 9.08 48.96 563.28 Tm (7 are performed; preserving assets and documents; requiring a prompt rep\ orting of\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.34 0 0 13.34 49.2 541.2 Tm (8 customers and status; requiring an accounting of Defendants' finances \ and scope of )Tj EMC /P <>BDC /T1_1 1 Tf 9.15 0 0 9.15 48.96 519.36 Tm (9 their operations; and ordering Defendants to show cause why a prelimin\ ary\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.38 0 0 13.38 43.44 497.52 Tm (10 injunction should not be entered. The requested relief, which the Cou\ rt is authorized )Tj EMC /P <>BDC /T1_1 1 Tf 9.04 0 0 9.04 43.44 475.44 Tm (lIto grant under Section 13\(b\) of the FTC Act, is warranted because th\ e FTC is likely\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.27 0 0 13.27 43.44 453.36 Tm (12 to succeed on the merits and because irreparable injury to consumers \ and to the )Tj EMC /P <>BDC /T1_2 1 Tf 12.54 0 0 12.54 43.44 431.28 Tm (13 Court's ability to provide effective final relief to consumers is lik\ ely to result if )Tj 11.93 0 0 11.93 43.44 409.44 Tm (14 Defendants' misrepresentations and their receipt of advance fees is n\ ot enjoined, )Tj EMC /P <>BDC /T1_0 1 Tf 13.27 0 0 13.27 43.44 387.36 Tm (15 assets and documents are not preserved, and Defendants' customers are\ not informed )Tj EMC /P <>BDC /T1_2 1 Tf 13.02 0 0 13.02 43.44 365.28 Tm (16 of this action. )Tj EMC /P <>BDC /T1_0 1 Tf 10.56 0 0 10.56 43.44 343.44 Tm (17 )Tj 12.35 0 0 12.35 101.76 343.44 Tm (A. )Tj 14.04 0 0 14.04 136.08 343.44 Tm (The Court is Authorized to Grant the Requested Relief )Tj EMC /P <>BDC /T1_2 1 Tf 13.08 0 0 13.08 43.44 321.36 Tm (18 Section 13\(b\) of the FTC Act authorizes the FTC to seek, and the Co\ urt to )Tj 12.2 0 0 12.2 43.44 299.28 Tm (19 issue, temporary, preliminary, and permanent injunctions. The second \ proviso of )Tj EMC /P <>BDC /T1_0 1 Tf 13.31 0 0 13.31 42.24 277.2 Tm (20 Section 13\(b\) states that "in proper cases the Commission may seek,\ and after proper )Tj 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj EMC /TD <>BDC 13.06 0 0 13.06 102.24 241.68 Tm (8 In some instances, consumers who initiated contact with LMS believing \ it )Tj EMC /TD <>BDC 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj EMC /TD <>BDC 13.17 0 0 13.17 67.92 221.04 Tm (to be affiiated with their lender were, in fact, told after inquiring of\ the phone )Tj 13.23 0 0 13.23 67.68 205.92 Tm (representative, that LMS was not affiiated with their lender. PX 13 \(St\ ewart\) ii 4, )Tj EMC /TD <>BDC 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /TD <>BDC 13.1 0 0 13.1 68.16 190.8 Tm (at 170; PX 08 \(Osorio\) ii 4, at 249. In each case, however, the repres\ entative made )Tj EMC /TD <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /TD <>BDC 13.14 0 0 13.14 67.92 175.68 Tm (the most ofLMS's deceptive door opener, and secured an advance fee from \ the )Tj /T1_2 1 Tf 11.9 0 0 11.9 68.16 160.32 Tm (consumer after making other misrepresentations. PX 13 \(Stewart\) iiii 4\ , 9, at 249, )Tj EMC /TD <>BDC /T1_0 1 Tf 12 0 0 12 42.24 145.2 Tm (26 )Tj EMC /TD <>BDC 12.98 0 0 12.98 67.92 145.44 Tm (25 1 \(consumer paid fee after being told LMS "knew the right people" an\ d had )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /TD <>BDC /T1_2 1 Tf 12.09 0 0 12.09 68.16 130.08 Tm ("successfully obtained loan modifications for many people"\); PX 08 \(Os\ orio\) iiii 4, )Tj /T1_0 1 Tf 12.96 0 0 12.96 68.4 114.96 Tm (8, at 1 70-72 \(consumer paid fee after being told LMS had been "very su\ ccessful," )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC /TD <>BDC 13.03 0 0 13.03 68.16 99.84 Tm (could "pull strings," and offered a money-back guarantee\). )Tj EMC /TD <>BDC 10.8 0 0 10.8 288.96 75.36 Tm (26 )Tj EMC ET endstream endobj 1383 0 obj <> endobj 1384 0 obj <> endobj 1385 0 obj <> endobj 1386 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1387 0 obj <> endobj 1388 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1389 0 obj [1/space] endobj 1390 0 obj <>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^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 1391 0 obj <> endobj 1392 0 obj <> endobj 1393 0 obj <> endobj 1394 0 obj <> endobj 1395 0 obj <> endobj 1396 0 obj <> endobj 1397 0 obj <> endobj 1398 0 obj <> endobj 1399 0 obj <> endobj 1400 0 obj <> endobj 1401 0 obj <> endobj 1402 0 obj <> endobj 1403 0 obj <> endobj 1404 0 obj <> endobj 1405 0 obj <> endobj 1406 0 obj <> endobj 1407 0 obj <> endobj 1408 0 obj <> endobj 1409 0 obj <> endobj 1410 0 obj <> endobj 1411 0 obj <> endobj 1412 0 obj <> endobj 1413 0 obj <> endobj 1414 0 obj <> endobj 1415 0 obj <> endobj 1416 0 obj <> endobj 1417 0 obj <> endobj 1418 0 obj <> endobj 1419 0 obj <> endobj 1420 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 12.22 0 0 12.22 49.92 695.76 Tm (1 deceptive claim in subsequent contacts. Consumers' first live contact \ with )Tj 12.09 0 0 12.09 48.72 673.68 Tm (2 Defendants generally occurs upon calling Defendants' toll free number \ in response to )Tj EMC /P <>BDC /T1_1 1 Tf 8.86 0 0 8.86 48.96 651.36 Tm (3 a direct mail solicitation. Such consumers are greeted by telephone re\ presentatives\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.58 0 0 12.58 48.72 629.52 Tm (4 who answer the phone, "Modification Department. . .. \(cJan I help you\ ?" PX 23 )Tj EMC /P <>BDC /T1_1 1 Tf 8.89 0 0 8.89 48.96 607.44 Tm (5 \(Budich\), Att. A, at 632; PX 22 \(Figueroa\), Att. A, at 588, or by \ a recorded message\001 )Tj EMC /P <>BDC 8.96 0 0 8.96 48.96 585.36 Tm (6 stating, "\(y Jou are now connected to the Loss Mitigation Servicing D\ epartment,"\001 )Tj EMC /P <>BDC 9.24 0 0 9.24 48.96 563.28 Tm (7 followed by a telephone representative who answers, "Loss Mitigation,"\ PX 24\001 )Tj EMC /P <>BDC 9.17 0 0 9.17 49.2 541.2 Tm (8 \(Redding\), Att. AA, at 1089. In subsequent calls to consumers, telep\ hone\001 )Tj EMC /P <>BDC 8.92 0 0 8.92 48.96 519.36 Tm (9 representatives identify themselves as being "with the loan modificati\ on department."\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.49 0 0 12.49 43.44 497.52 Tm (10 PX 22 \(Figueroa\), Att. E, at 619. )Tj EMC /P <>BDC /T1_2 1 Tf 14.45 0 0 14.45 43.44 475.44 Tm (11 In some instances, LMS representatives have obfuscated in response to\ )Tj EMC /P <>BDC /T1_0 1 Tf 12.25 0 0 12.25 43.44 453.36 Tm (12 consumers' direct inquiry about LMS' s relationship with their lender\ s. For example, )Tj 11.95 0 0 11.95 43.44 431.28 Tm (13 when homeowner Greg Anderson asked an LMS representative about the co\ mpany's )Tj EMC /P <>BDC /T1_2 1 Tf 13.28 0 0 13.28 43.44 409.44 Tm (14 relationship with his lender, Countrywide, the representative told hi\ m that LMS and )Tj 13.33 0 0 13.33 43.44 387.36 Tm (15 Countrywide "worked together," which strengthened his belief that LMS\ was )Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 43.44 365.28 Tm (16 affiiated with Countrywide. PX 01 \(Anderson\) ii 5, at 1. In the cas\ e of \001)Tj EMC /P <>BDC /T1_2 1 Tf 12.97 0 0 12.97 446.88 365.28 Tm (homeowner )Tj 13.28 0 0 13.28 43.44 343.44 Tm (17 Deborah Bavadi, LMS's obfuscation was so effective that she did not r\ ealize the )Tj EMC /P <>BDC /T1_0 1 Tf 12.34 0 0 12.34 43.44 321.36 Tm (18 company was distinct from and unaffiiated with her lender, IndyMac, u\ ntil seven )Tj 11.99 0 0 11.99 43.44 299.28 Tm (19 months after she first contacted LMS, and only after she was so advis\ ed in connection )Tj EMC /P <>BDC /T1_2 1 Tf 13.35 0 0 13.35 42.24 277.2 Tm (20 with submitting a declaration in this matter. See PX 02 \(Bavadi\) ii\ 3, at 20. )Tj EMC /P <>BDC /T1_0 1 Tf 12.94 0 0 12.94 42.24 255.12 Tm (21 These deceptive representations often are the first thing to draw con\ sumers' )Tj EMC /P <>BDC /T1_2 1 Tf 13.4 0 0 13.4 42.24 233.28 Tm (22 attention to LMS. Consumers' impression that they have received a not\ ice from their )Tj EMC /P <>BDC /T1_0 1 Tf 12.4 0 0 12.4 42.24 211.2 Tm (23 mortgage lender or servicer, or a party affiiated with, working with,\ or authorized by )Tj EMC /P <>BDC /T1_2 1 Tf 13.31 0 0 13.31 42.24 189.12 Tm (24 their mortgage lender or servicer, causes them to pick up the phone a\ nd call the )Tj 13.41 0 0 13.41 42.24 167.04 Tm (25 Defendants' toll-free number. Once having made the call, the door has\ been opened )Tj 12 0 0 12 42.24 145.2 Tm (26 )Tj 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj 0 -1.878 TD (28 )Tj EMC /Artifact <>BDC 10.32 0 0 10.32 288.96 75.36 Tm (25 )Tj EMC ET endstream endobj 1421 0 obj <> endobj 1422 0 obj <> endobj 1423 0 obj <> endobj 1424 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 1425 0 obj <> endobj 1426 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1427 0 obj [1/space] endobj 1428 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1429 0 obj <> endobj 1430 0 obj <> endobj 1431 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.32 0 0 13.32 49.92 695.76 Tm (1 PX 16 \(Turley\), Att. V, at 434; see also PX 10 \(Ruiz\), Att. A, at \ 200; PX 18 \(Wells\), )Tj EMC /P <>BDC /T1_1 1 Tf 8.97 0 0 8.97 48.72 673.68 Tm (2 Att. A, at 447; PX 06 \(Luke\), Att. A, at 122; PX 03 \(Browne\), Att.\ A, at 31; PX 08\001 )Tj EMC /P <>BDC 8.81 0 0 8.81 48.96 651.36 Tm (3 \(Osorio\), Att. A, at 178; PX 01 \(Anderson\), Att. A, at 6.\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.05 0 0 13.05 48.72 629.52 Tm (4 The body of the solicitation letter has not materially changed since D\ efendants )Tj 12.4 0 0 12.4 48.96 607.44 Tm (5 began marketing in early 2008. Compare PX 04 \(Dondi\), Att. A, at 52,\ with PX 16 )Tj EMC /P <>BDC /T1_1 1 Tf 8.7 0 0 8.7 48.96 585.36 Tm (6 \(Turley\), Att. V, at 434. It begins by instructing consumers to "\(p\ Jlease contact us\001 )Tj EMC /P <>BDC 9.23 0 0 9.23 48.96 563.28 Tm (7 today regarding your existing mortgage. Our records indicate that you \ may be\001 )Tj EMC /P <>BDC 9.15 0 0 9.15 49.2 541.2 Tm (8 eligible for a loan modification which could include a rate reduction \ and loan\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.62 0 0 12.62 48.96 519.36 Tm (9 amount reduction on your existing loan." PX 16 \(Turley\), Att. V, at \ 434 \(emphasis )Tj EMC /P <>BDC /T1_1 1 Tf 8.71 0 0 8.71 43.44 497.52 Tm (10 in original\). The letter instructs homeowners to call a toll-free nu\ mber, and advises\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.14 0 0 12.14 43.44 475.44 Tm (11 consumers that "\(tJhis offer is good until" a date typically approxi\ mately three weeks )Tj 12.84 0 0 12.84 43.44 453.36 Tm (12 after mailing, and "\(n\)o other notices wil be issued and no represe\ ntatives wil )Tj EMC /P <>BDC /T1_0 1 Tf 13.34 0 0 13.34 43.44 431.28 Tm (13 call you." Id. \(emphasis in original\). The letter further represent\ s that "\( 0 Jur loan )Tj 13.26 0 0 13.26 43.44 409.44 Tm (14 modification team has searched existing records to make you this comp\ arison offer as )Tj 13.31 0 0 13.31 43.44 387.36 Tm (15 it relates to your existing loan," id., although no "comparison offer\ " actually appears )Tj 13.08 0 0 13.08 43.44 365.28 Tm (16 in the letter. The letter also advises consumers that "\( t Jhis offe\ r to negotiate your )Tj EMC /P <>BDC /T1_2 1 Tf 12.49 0 0 12.49 43.44 343.44 Tm (17 mortgage could save you thousands of dollars," and that "\(a\) Senior\ Loan )Tj EMC /P <>BDC /T1_0 1 Tf 13.79 0 0 13.79 43.44 321.36 Tm (18 Modification Specialist is waiting to assist you." Id. \(emphasis in \ original\). )Tj 14.37 0 0 14.37 43.44 299.28 Tm (19 At the bottom of the page, in a large but generic font, Defendants ag\ ain print )Tj EMC /P <>BDC /T1_2 1 Tf 12.61 0 0 12.61 42.24 277.2 Tm (20 their name, "Loss Mitigation Services." Id. Below that, in approximat\ ely 8-point )Tj EMC /P <>BDC /T1_0 1 Tf 13.28 0 0 13.28 42.24 255.12 Tm (21 font, smaller than any other text in the letter, Defendants include s\ everal disclaimers, )Tj EMC /P <>BDC /T1_2 1 Tf 12.49 0 0 12.49 42.24 233.28 Tm (22 stating, "Loss Mitigation Services, Inc. is a California Corporation.\ This information )Tj 12.26 0 0 12.26 42.24 211.2 Tm (23 was obtained thru \(sicJ public record. We are not an affiiate of, no\ r endorsed by, nor )Tj 12.67 0 0 12.67 42.24 189.12 Tm (24 associated with your lender." Id. )Tj 13.13 0 0 13.13 42.24 167.04 Tm (25 Numerous consumers report having believed that LMS was their lender o\ r )Tj 12.29 0 0 12.29 42.24 145.2 Tm (26 servicer or was somehow affiiated with their lender or servicer. See,\ e.g., PX 16 )Tj EMC /P <>BDC /T1_0 1 Tf 13.19 0 0 13.19 42.24 123.12 Tm (27 \(Turley\) iiii 3-4, at 287-88; PX 10 \(Ruiz\) ii 2, at 193; PX 02 \(\ Bavadi\) ii 3, at 20; PX )Tj EMC /P <>BDC /T1_2 1 Tf 12.3 0 0 12.3 42.24 101.04 Tm (28 08 \(Osorio\) ii 2, at 170; PX 01 \(Anderson\) ii 3, at 1. 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Cause Order, includin\ g\001 )Tj 8.8 0 0 8.8 47.52 632.64 Tm (4 provisions for the preservation of assets and evidence, to halt Defend\ ants' ongoing\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.39 0 0 12.39 47.76 610.08 Tm (5 violations of the PTC Act and to protect the Cour's ability to issue e\ ffective, final )Tj EMC /P <>BDC /T1_0 1 Tf 13.35 0 0 13.35 47.76 588 Tm (6 relief in this matter as it may deem appropriate. )Tj 11.52 0 0 11.52 47.76 566.16 Tm (7 )Tj EMC /TD <>BDC 10.56 0 0 10.56 47.76 544.32 Tm (8 )Tj EMC /TD <>BDC /T1_1 1 Tf 11.16 0 0 11.16 100.08 544.08 Tm (Dated: July~, 2009 )Tj EMC /TD <>BDC 8.87 0 0 8.87 335.52 542.88 Tm (Respectfully submitted, )Tj EMC /TD <>BDC /T1_0 1 Tf 11.04 0 0 11.04 47.52 522 Tm (9 )Tj 11.28 0 0 11.28 42 500.4 Tm (10 )Tj EMC /TD <>BDC 13.37 0 0 13.37 335.52 521.04 Tm (Wilard K. Tom,~)Tj 13.49 0 0 13.49 335.52 510 Tm (GentfAJ;\307~UI#ll )Tj EMC /TD <>BDC 9.84 0 0 9.84 42 478.56 Tm (11 )Tj EMC /TD <>BDC 12.18 0 0 12.18 341.04 478.32 Tm (Z~':\(t~J~~;j~~\354\351r;~~.,,,~m )Tj EMC /TD <>BDC 11.04 0 0 11.04 41.76 456.48 Tm (12 )Tj EMC /TD <>BDC 12.98 0 0 12.98 335.04 455.04 Tm (Mark L. Glassman )Tj EMC /TD <>BDC 10.56 0 0 10.56 41.52 434.16 Tm (13 )Tj EMC /TD <>BDC 12.95 0 0 12.95 341.76 441.12 Tm (\(202\) 326-2826)Tj 12.5 0 0 12.5 341.28 432.96 Tm (mglassmancmftc.gov)Tj 13.15 0 0 13.15 334.8 421.92 Tm (Rooert B. M\340fini )Tj EMC /TD <>BDC 11.04 0 0 11.04 41.52 412.32 Tm (14 )Tj 10.32 0 0 10.32 41.52 390.24 Tm (15 )Tj EMC /TD <>BDC 12.95 0 0 12.95 341.52 408.24 Tm (\(202\) 326-2642)Tj 13.79 0 0 13.79 340.8 399.6 Tm (rmahini~ftc.gov)Tj 14.97 0 0 14.97 334.56 388.56 Tm (Bevin Mllhy )Tj EMC /TD <>BDC 11.04 0 0 11.04 41.28 368.16 Tm (16 )Tj EMC /TD <>BDC /T1_1 1 Tf 8.83 0 0 8.83 341.28 375.12 Tm (\(202\) 326:'2191 )Tj 9.44 0 0 9.44 340.56 366.48 Tm (bmurll 1 cmftc.gov)Tj /T1_0 1 Tf 12.93 0 0 12.93 334.32 355.68 Tm (P ederal Trad\351 Commssion )Tj EMC /TD <>BDC 11.04 0 0 11.04 41.04 346.08 Tm (17 )Tj -0.022 -2 Td (18 )Tj EMC /TD <>BDC 12.96 0 0 12.96 334.56 344.4 Tm (600 Pennsylvania Avenue)Tj 12.9 0 0 12.9 334.32 333.6 Tm (Mail Stop NJ-3158)Tj 13.14 0 0 13.14 334.32 322.32 Tm (Washinmo:r DC 20580 )Tj EMC /TD <>BDC 11.04 0 0 11.04 40.8 302.16 Tm (19 )Tj EMC /TD <>BDC /T1_1 1 Tf 9.02 0 0 9.02 334.08 311.52 Tm (Pax: \(2U2\)--,26-3768 )Tj EMC /TD <>BDC /T1_0 1 Tf 12.48 0 0 12.48 39.36 280.08 Tm (20 )Tj EMC /TD <>BDC 12.97 0 0 12.97 333.84 289.44 Tm (John D. Jacobs \(Local Counsel\))Tj 12.96 0 0 12.96 334.08 278.4 Tm (California Bar No. 134154 )Tj EMC /TD <>BDC 11.28 0 0 11.28 39.12 258 Tm (21 )Tj EMC /TD <>BDC 12.97 0 0 12.97 333.84 267.6 Tm (P ederal Trade Commssion)Tj 12.86 0 0 12.86 335.28 256.8 Tm (10877 Wilshire Blvd\326 Ste. 700 )Tj EMC /TD <>BDC 12.48 0 0 12.48 38.88 236.16 Tm (22 )Tj 11.76 0 0 11.76 38.88 214.08 Tm (23 )Tj EMC /TD <>BDC 13.83 0 0 13.83 333.6 245.52 Tm (Los Angele~ CA 90 24)Tj 12.6 0 0 12.6 333.6 234.48 Tm (Tel: \(3 ro\) 8L4-4343)Tj 12.32 0 0 12.32 333.36 223.44 Tm (Fax: \(31 \(J\) 824-4380)Tj 13.99 0 0 13.99 332.16 212.4 Tm (jjacobs~ftc.gov )Tj EMC /TD <>BDC 12.48 0 0 12.48 38.64 191.76 Tm (24 )Tj EMC /TD <>BDC 12.99 0 0 12.99 333.12 190.32 Tm (Attorneys for Plaintiff PTC )Tj EMC /TD <>BDC 12 0 0 12 38.4 169.92 Tm (25 )Tj EMC /TD <>BDC 12.48 0 0 12.48 38.4 147.84 Tm (26 )Tj EMC /TD <>BDC -0.019 -1.769 Td (27 )Tj EMC /TD <>BDC 12.24 0 0 12.24 37.92 103.68 Tm (28 )Tj EMC /Artifact <>BDC 10.8 0 0 10.8 282.72 76.56 Tm 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FTC's request for limited discovery to loca\ te and\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.27 0 0 13.27 48.96 607.44 Tm (5 identify consumers, documents, and assets, and determine the status of\ Defendants' )Tj EMC /P <>BDC 13.3 0 0 13.3 48.96 585.36 Tm (6 work on each consumer's case, and to identify the individuals whom Def\ endants use )Tj EMC /P <>BDC /T1_1 1 Tf 12.21 0 0 12.21 48.96 563.28 Tm (7 to negotiate with consumers' lenders. District courts are authorized t\ o depart from )Tj EMC /P <>BDC /T1_0 1 Tf 13.31 0 0 13.31 49.2 541.2 Tm (8 normal discovery procedures and fashion discovery to meet discovery ne\ eds in )Tj EMC /P <>BDC /T1_2 1 Tf 8.59 0 0 8.59 48.96 519.36 Tm (9 particular cases. Fed. R. Civ. P. 26\(d\), 33\(a\), 34\(b\) \(authoriz\ ing alteration of )Tj /T1_1 1 Tf 12.16 0 0 12.16 43.44 497.52 Tm (10 standard discovery provisions, including applicable time frames gover\ ning )Tj 12.27 0 0 12.27 43.44 475.44 Tm (11 depositions and production of documents\). Such a departure is justif\ ied in light of )Tj 12.26 0 0 12.26 43.44 453.36 Tm (12 the Court's broad and flexible authority in equity to grant prelimina\ ry emergency )Tj /T1_0 1 Tf 13.46 0 0 13.46 43.44 431.52 Tm (13 relief in cases involving the public interest. See, e.g., Gil, 183 F.\ Supp. 2d at 1177 )Tj 13.28 0 0 13.28 43.44 409.44 Tm (14 \(noting grant of expedited discovery\); Productive Mktg., 136 F. Sup\ p. 2d at 1100 )Tj /T1_1 1 Tf 12.07 0 0 12.07 43.44 387.36 Tm (15 \(same\); see also FSLIC v. Dixon, 835 F.2d 554, 557, 562 \(5th Cir. \ 1987\); Fed. )Tj 12.09 0 0 12.09 43.44 365.28 Tm (16 Express Corp. v. Fed. Espresso, Inc., No. 97CV1219RSPGJD, 1997 WL 736\ 530, at )Tj /T1_0 1 Tf 13.29 0 0 13.29 43.44 343.44 Tm (17 *2 \(N.D.N.Y. N ov. 24, 1997\). In this case, limited expedited disco\ very is crucial for )Tj /T1_1 1 Tf 12.31 0 0 12.31 43.44 321.36 Tm (18 several reasons. First, it wil aid in locating and securing assets fo\ r final relief and )Tj 12.22 0 0 12.22 43.44 299.28 Tm (19 ensuring compliance with any asset freeze the Court may order. Second\ , it wil help )Tj EMC /P <>BDC /T1_0 1 Tf 13.3 0 0 13.3 42.24 277.2 Tm (20 preserve documents that are necessary to determine the scope of consu\ mer injury and )Tj 13.34 0 0 13.34 42.24 255.12 Tm (21 mitigate further injury, including documents necessary to determine w\ hether and, if )Tj 13.29 0 0 13.29 42.24 233.28 Tm (22 so, what Defendants have done to advance consumers' loan modification\ requests. )Tj EMC /P <>BDC /T1_2 1 Tf 8.89 0 0 8.89 42.24 211.2 Tm (23 Third, it wil aid in ensuring that Defendants comply with the injunct\ ive provisions of\001 )Tj EMC /TD <>BDC /T1_0 1 Tf 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /TD <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /TD <>BDC 12.97 0 0 12.97 102 165.84 Tm (28 The proposed TRO also contains a provision directing Defendants to )Tj EMC /TD <>BDC 12 0 0 12 42.24 145.2 Tm (26 )Tj EMC /TD <>BDC 13.16 0 0 13.16 67.68 145.44 Tm (preserve records and evidence. It is appropriate to enjoin Defendants ch\ arged with )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /TD <>BDC 13.04 0 0 13.04 68.16 130.08 Tm (deception from destroying evidence and doing so would place no significa\ nt )Tj /T1_1 1 Tf 11.84 0 0 11.84 67.68 114.96 Tm (burden on them. See SEC v. Unifund SAL, 910 F.2d 1028,1040 n.1 1 \(2d Ci\ r. )Tj EMC /TD <>BDC /T1_0 1 Tf 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC /TD <>BDC 12.99 0 0 12.99 69.12 100.08 Tm (1990\) \(characterizing such orders as "innocuous"\). )Tj EMC /TD <>BDC 10.56 0 0 10.56 288.96 75.36 Tm (48 )Tj EMC ET endstream endobj 1819 0 obj <> endobj 1820 0 obj <> endobj 1821 0 obj <> endobj 1822 0 obj <> endobj 1823 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1824 0 obj [1/space] endobj 1825 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1826 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 1827 0 obj <> endobj 1828 0 obj <> endobj 1829 0 obj <> endobj 1830 0 obj <> endobj 1831 0 obj <> endobj 1832 0 obj <> endobj 1833 0 obj <> endobj 1834 0 obj <> endobj 1835 0 obj <> endobj 1836 0 obj <> endobj 1837 0 obj <> endobj 1838 0 obj <> endobj 1839 0 obj <> endobj 1840 0 obj <> endobj 1841 0 obj <> endobj 1842 0 obj <> endobj 1843 0 obj <> endobj 1844 0 obj <> endobj 1845 0 obj <> endobj 1846 0 obj <> endobj 1847 0 obj <> endobj 1848 0 obj <> endobj 1849 0 obj <> endobj 1850 0 obj <> endobj 1851 0 obj <> endobj 1852 0 obj <> endobj 1853 0 obj <> endobj 1854 0 obj <> endobj 1855 0 obj <> endobj 1856 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 8.87 0 0 8.87 49.92 695.76 Tm (1 F. Supp. 2d at 462.27 As discussed above, these factors are present he\ re. See supra\001 )Tj EMC /P <>BDC 10.15 0 0 10.15 48.72 673.68 Tm (2 Part V.c.\001 )Tj EMC /P <>BDC 9.45 0 0 9.45 48.96 651.36 Tm (3 In addition to a provision directing Defendants not to dissipate or co\ nceal\001 )Tj EMC /P <>BDC 8.92 0 0 8.92 48.72 629.52 Tm (4 assets, the FTC seeks a provision in the TRO directing banks and other\ financial\001 )Tj EMC /P <>BDC 8.64 0 0 8.64 48.96 607.44 Tm (5 institutions to freeze Defendants' assets in their custody or control.\ This Court has\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.31 0 0 13.31 48.96 585.36 Tm (6 the authority to direct its order to such third parties to preserve as\ sets that are easily )Tj EMC /P <>BDC /T1_2 1 Tf 12.37 0 0 12.37 48.96 563.28 Tm (7 dissipated and may be difficult or impossible to trace. See First Natl\ City Bank, 379 )Tj EMC /P <>BDC /T1_0 1 Tf 8.99 0 0 8.99 49.2 541.2 Tm (8 U.S. at 385; see also Reebok Intl Ltd. v. McLaughlin, 49 F.3d 1387, 13\ 91 \(9th Cir.\001 )Tj EMC /P <>BDC 9.38 0 0 9.38 48.96 519.36 Tm (9 1995\); Waffenschmidt v. Mackay, 763 F.2d 711,714 \(5th Cir. 1985\).\001\ )Tj EMC /P <>BDC /T1_2 1 Tf 13.04 0 0 13.04 43.44 497.52 Tm (10 Finally, the FTC seeks an immediate accounting of Defendants' assets.\ The )Tj EMC /P <>BDC /T1_1 1 Tf 13.28 0 0 13.28 43.44 475.44 Tm (11 FTC requests that the Court order Defendants to complete and return t\ o the FTC )Tj 13.37 0 0 13.37 43.44 453.36 Tm (12 financial statements on the forms attached to the proposed TRO. An ac\ counting and )Tj 13.42 0 0 13.42 43.44 431.52 Tm (13 financial statements, combined with an asset freeze, wil increase the\ likelihood of )Tj EMC /P <>BDC /T1_0 1 Tf 5 0 0 5 43.44 409.44 Tm (14 preserving existing assets pending final determination of \001)Tj EMC /P <>BDC /T1_1 1 Tf 13.2 0 0 13.2 367.44 409.44 Tm (this matter. See, e.g., SEC )Tj EMC /P <>BDC /T1_0 1 Tf 9.33 0 0 9.33 43.44 387.36 Tm (15 v. Parkersburg Wireless LLC, 156 F.R.D. 529, 532 n.3 \(D.D.C. 1994\);\ SEC v.\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.48 0 0 13.48 43.44 365.28 Tm (16 Bankers Allance Corp., 881 F. Supp. 673, 676-78 \(D.D.C. 1995\). )Tj EMC /P <>BDC /T1_2 1 Tf 13.11 0 0 13.11 43.44 343.44 Tm (17 Here, Defendants' ongoing fraud demonstrates their wilingness to enga\ ge in )Tj EMC /P <>BDC /T1_1 1 Tf 13.37 0 0 13.37 43.44 321.36 Tm (18 wrongdoing. The possibility of a large monetary judgment provides Def\ endants with )Tj 13.38 0 0 13.38 43.44 299.28 Tm (19 ample incentive to conceal or dissipate otherwise recoverable assets.\ Without an )Tj EMC /P <>BDC /T1_2 1 Tf 12.21 0 0 12.21 42.24 277.2 Tm (20 immediate freeze of the recoverable assets of Defendants, it is unlik\ ely that funds wil )Tj EMC /P <>BDC /T1_1 1 Tf 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /TD <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /TD <>BDC 12.98 0 0 12.98 101.76 165.84 Tm (27 Further, the Court can order Defendants' assets to be frozen whether \ the )Tj EMC /TD <>BDC 12 0 0 12 42.24 145.2 Tm (26 )Tj EMC /TD <>BDC 13.28 0 0 13.28 68.16 145.44 Tm (assets are inside or outside the United States. United States v. First N\ atl City )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /TD <>BDC 13.14 0 0 13.14 67.44 130.32 Tm (Bank, 379 U.S. 378, 384 \(l965\) \("Once personal jurisdiction of a part\ y is obtained, )Tj /T1_2 1 Tf 12.09 0 0 12.09 67.92 115.2 Tm (the District Court has authority to order it to 'freeze' property under \ its control, )Tj EMC /TD <>BDC /T1_1 1 Tf 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC /TD <>BDC 13.05 0 0 13.05 67.68 99.84 Tm (whether the property be within or without the United States."\). )Tj EMC /Artifact <>BDC 10.56 0 0 10.56 288.96 75.36 Tm (47\001 )Tj EMC ET endstream endobj 1857 0 obj <> endobj 1858 0 obj <> endobj 1859 0 obj <> endobj 1860 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1861 0 obj <> endobj 1862 0 obj <>stream H\0E @zmfӸ$=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"$Pc@cdqMKՐšH;"dqw v{pápaw H;,ph:=qu4TG浨oj5\,z٣8rv/H >^#es9@/AE/Kˊrl.8]%3&cr``(_4xL”6Ii)>Ed endstream endobj 1863 0 obj [1/space] endobj 1864 0 obj <> endobj 1865 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1866 0 obj [1/space] endobj 1867 0 obj <> endobj 1868 0 obj <> endobj 1869 0 obj <> endobj 1870 0 obj <> endobj 1871 0 obj <> endobj 1872 0 obj <> endobj 1873 0 obj <> endobj 1874 0 obj <> endobj 1875 0 obj <> endobj 1876 0 obj <> endobj 1877 0 obj <> endobj 1878 0 obj <> endobj 1879 0 obj <> endobj 1880 0 obj <> endobj 1881 0 obj <> endobj 1882 0 obj <> endobj 1883 0 obj <> endobj 1884 0 obj <> endobj 1885 0 obj <> endobj 1886 0 obj <> endobj 1887 0 obj <> endobj 1888 0 obj <> endobj 1889 0 obj <> endobj 1890 0 obj <> endobj 1891 0 obj <> endobj 1892 0 obj <> endobj 1893 0 obj <> endobj 1894 0 obj <> endobj 1895 0 obj <> endobj 1896 0 obj [421 0 R 422 0 R] endobj 1897 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.29 0 0 13.29 49.92 695.76 Tm (1 However, the "Summary Balance Sheet" attached to his email reflected t\ hat LMS had )Tj 13.16 0 0 13.16 48.72 673.68 Tm (2 only $ 1 ,086,053 in "Total Assets," and most of these are not fully a\ vailable to fund )Tj EMC /P <>BDC /T1_1 1 Tf 12.39 0 0 12.39 48.96 651.36 Tm (3 operations, benefit consumers or provide refunds. Id., Att. D \(CD-ROM\ , Tab )Tj EMC /P <>BDC /T1_0 1 Tf 13.31 0 0 13.31 48.72 629.52 Tm (4 ")Tj EMC /Link <>BDC (BS0811-0904"\).25)Tj EMC /P <>BDC ( Such a situation is consistent with a business that is using )Tj EMC /P <>BDC 13.26 0 0 13.26 48.96 607.44 Tm (5 advance fees to fund ongoing )Tj EMC /Link <>BDC (operations.26 )Tj EMC /P <>BDC /T1_2 1 Tf 9.31 0 0 9.31 48.96 585.36 Tm (6 Defendants' potential liability thus already exceeds the funds that ar\ e available\001 )Tj EMC /P <>BDC 9.02 0 0 9.02 48.96 563.28 Tm (7 for redress by nearly threefold, and any new business expenditures wou\ ld jeopardize\001 )Tj EMC /P <>BDC 8.56 0 0 8.56 49.2 541.2 Tm (8 the possibility of effective relief. When a district court determines \ that the FTC is\001 )Tj EMC /P <>BDC 8.37 0 0 8.37 48.96 519.36 Tm (9 likely to prevail in a final determination on the merits, it has "a du\ ty to ensure that\001 )Tj EMC /P <>BDC 8.69 0 0 8.69 43.44 497.52 Tm (10 ... assets. . . \(areJ available to make restitution to the injured c\ ustomers." World\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.27 0 0 13.27 43.44 475.44 Tm (11 Travel Vacation Brokers, 861 F .2d at 1031. To help ensure the availa\ bility of assets, )Tj 0 -1.664 TD (12 preserve the status quo, and guard against the dissipation and divers\ ion of assets, the )Tj 13.35 0 0 13.35 43.44 431.52 Tm (13 Court may issue an order freezing Defendants' assets. Not only may th\ e Court freeze )Tj 13.28 0 0 13.28 43.44 409.44 Tm (14 the assets of the corporate defendants, it may freeze the assets of t\ he individual )Tj EMC /P <>BDC /T1_1 1 Tf 12 0 0 12 43.44 387.36 Tm (15 defendants where, as here, the individual defendants controlled the d\ eceptive activity )Tj 11.91 0 0 11.91 43.44 365.28 Tm (16 and had actual or constructive know ledge of the deceptive nature of \ the practices in )Tj EMC /P <>BDC /T1_0 1 Tf 13.37 0 0 13.37 43.44 343.44 Tm (17 which they were engaged. Amy Travel, 875 F.2d at 574-75; Natl Credit \ Mgmt., 21 )Tj EMC /TD <>BDC 10.56 0 0 10.56 43.44 321.36 Tm (18 )Tj EMC /TD <>BDC 0 -2.091 TD (19 )Tj EMC /TD <>BDC 12 0 0 12 42.24 277.2 Tm (20 )Tj EMC /TD <>BDC 13 0 0 13 101.76 283.2 Tm (25 LMS characterized $501,181 as "Fixed Assets," which presumably are )Tj EMC /TD <>BDC 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj EMC /TD <>BDC 13.16 0 0 13.16 67.68 262.8 Tm (not available to fund operations or pay refunds. Another $239,248 in ass\ ets is )Tj 13.04 0 0 13.04 68.16 247.2 Tm (characterized as "Accounts Receivable," but the company also lists "Acco\ unts )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj EMC /TD <>BDC 13.16 0 0 13.16 67.92 232.32 Tm (Payable" of $242,853, greater than the amount of "Accounts Receivable." \ LMS )Tj EMC /TD <>BDC 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj EMC /TD <>BDC 13.12 0 0 13.12 67.68 217.2 Tm (reported "Other Current Assets" of $266,644, but this consists almost en\ tirely of )Tj 13.16 0 0 13.16 67.68 202.08 Tm (merchant reserves with PayPal and Monterrey Bank. Finally, LMS reported \ )Tj EMC /TD <>BDC 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /TD <>BDC 13.1 0 0 13.1 67.68 186.96 Tm (having another $80,400 in "Other Assets," which consist of "Security Dep\ osits." )Tj EMC /TD <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /TD <>BDC 12.96 0 0 12.96 67.92 171.84 Tm (PX 21 \(Sibner\), Att. D, at 580 \(CD-ROM, Tab "B5081 1-0904"\). )Tj EMC /TD <>BDC 12 0 0 12 42.24 145.2 Tm (26 )Tj EMC /TD <>BDC 12.98 0 0 12.98 102 150.72 Tm (26 Further supporting this conclusion, Mr. Shafer explained in an interv\ iew )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /TD <>BDC 13.12 0 0 13.12 67.68 130.32 Tm (reported on March 27, 2009 that "obeying the rule \(prohibiting collecti\ on of )Tj 13.11 0 0 13.11 68.16 115.2 Tm (advance feesJ would deplete his working capital and cripple the company.\ " PX 24 )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC /TD <>BDC 12.98 0 0 12.98 68.16 97.44 Tm (\(Redding\), Att. W, at 1055-61. )Tj EMC /TD <>BDC 10.8 0 0 10.8 288.96 75.36 Tm (46 )Tj EMC ET endstream endobj 1898 0 obj <> endobj 1899 0 obj <> endobj 1900 0 obj <> endobj 1901 0 obj <> endobj 1902 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1903 0 obj [1/space] endobj 1904 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1905 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 1906 0 obj <> endobj 1907 0 obj <> endobj 1908 0 obj <> endobj 1909 0 obj <> endobj 1910 0 obj <> endobj 1911 0 obj <> endobj 1912 0 obj <> endobj 1913 0 obj <> endobj 1914 0 obj <> endobj 1915 0 obj <> endobj 1916 0 obj <> endobj 1917 0 obj <> endobj 1918 0 obj <> endobj 1919 0 obj <> endobj 1920 0 obj <> endobj 1921 0 obj <> endobj 1922 0 obj <> endobj 1923 0 obj <> endobj 1924 0 obj <> endobj 1925 0 obj <> endobj 1926 0 obj <> endobj 1927 0 obj <> endobj 1928 0 obj <> endobj 1929 0 obj <> endobj 1930 0 obj <> endobj 1931 0 obj <> endobj 1932 0 obj <> endobj 1933 0 obj <> endobj 1934 0 obj <> endobj 1935 0 obj <> endobj 1936 0 obj <> endobj 1937 0 obj <> endobj 1938 0 obj <> endobj 1939 0 obj <> endobj 1940 0 obj <> endobj 1941 0 obj <> endobj 1942 0 obj <> endobj 1943 0 obj <> endobj 1944 0 obj <> endobj 1945 0 obj <> endobj 1946 0 obj <> endobj 1947 0 obj <> endobj 1948 0 obj <> endobj 1949 0 obj <> endobj 1950 0 obj <> endobj 1951 0 obj [419 0 R 420 0 R] endobj 1952 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 9.29 0 0 9.29 49.92 695.76 Tm (1 In re Natl Credit Mgmt. Group, L.L.C., 21 F. Supp. 2d 424,462 \(D.N.J.\ 1998\) \("\(AJ\001 )Tj EMC /P <>BDC 8.52 0 0 8.52 48.72 673.68 Tm (2 freeze of the assets of all Defendants is appropriate to preserve thos\ e assets for\001 )Tj EMC /P <>BDC 8.89 0 0 8.89 48.96 651.36 Tm (3 possible restitution awards."\). Moreover, the Ninth Circuit and other\ courts have\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.38 0 0 13.38 48.72 629.52 Tm (4 imposed asset freezes on the basis of the mere possibility of dissipat\ ion. See, e.g., )Tj 13.33 0 0 13.33 48.96 607.44 Tm (5 FSLIC v. Sahni, 868 F.2d 1096, 1097 \(9th Cir. 1989\) \(holding that w\ hen a )Tj EMC /P <>BDC /T1_2 1 Tf 12.05 0 0 12.05 48.96 585.36 Tm (6 government agency is the movant, the possibility of a dissipation of a\ ssets is )Tj EMC /P <>BDC /T1_1 1 Tf 13.04 0 0 13.04 48.96 563.28 Tm (7 sufficient to justify a freeze\). 23 )Tj 14.49 0 0 14.49 49.2 541.2 Tm (8 An asset freeze is appropriate where, as here, there is a large magnit\ ude of )Tj EMC /P <>BDC /T1_0 1 Tf 8.56 0 0 8.56 48.96 519.36 Tm (9 financial injury and a risk of )Tj EMC /Link <>BDC (dissipation.24)Tj EMC /P <>BDC ( See, e.g., FTC v. USA Bevs., Inc., No. 05\255)Tj EMC /P <>BDC /T1_1 1 Tf 13.51 0 0 13.51 43.44 497.52 Tm (10 61682,2005 WL 5654219, at *8-9 \(S.D. Fla. Dec. 5,2005\) \(noting con\ siderable )Tj 13.36 0 0 13.36 43.44 475.44 Tm (11 motivation to hide assets because of potential size of monetary remed\ y\). According )Tj 13.29 0 0 13.29 43.44 453.36 Tm (12 to an LMS "Profit and Loss Statement," between October 2008 and April\ 2009, LMS )Tj EMC /P <>BDC /T1_2 1 Tf 12.64 0 0 12.64 43.44 431.28 Tm (13 took in approximately $4.5 milion in "Loan Mod Fees." PX 21 \(Sibner\)\ , Att. D, at )Tj EMC /P <>BDC /T1_1 1 Tf 13.22 0 0 13.22 43.44 409.44 Tm (14 580 \(CD-ROM, Tab "PL081 1 -0904"\). Yet, according to an LMS "Summar\ y Balance )Tj EMC /P <>BDC /T1_0 1 Tf 5 0 0 5 43.44 387.36 Tm (15 Sheet," at the end of \001)Tj EMC /P <>BDC /T1_1 1 Tf 13.09 0 0 13.09 177.6 387.36 Tm (that period, LMS had an aggregate negative balance of )Tj EMC /P <>BDC /T1_2 1 Tf 12.38 0 0 12.38 43.44 365.28 Tm (16 $)Tj EMC /Link <>BDC (1,420.94)Tj EMC /P <>BDC ( in its bank accounts. Id. \(Tab "BS081 1-0904"\). Similarly, on May 28,\ )Tj 12.06 0 0 12.06 43.44 343.44 Tm (1 7 2009, Defendant Dean Shafer wrote in an email to LMS senior official\ s and investors )Tj 12.41 0 0 12.41 43.44 321.36 Tm (18 that "there is about 3 milion dollars in mods that \(areJ not complet\ ed." Id., Att. A. )Tj EMC /TD <>BDC /T1_1 1 Tf 10.56 0 0 10.56 43.44 299.28 Tm (19 )Tj EMC /TD <>BDC 12 0 0 12 42.24 277.2 Tm (20 )Tj EMC /TD <>BDC 12.97 0 0 12.97 101.76 283.2 Tm (23 Moreover, the requested relief is similar to that ordered in prior FT\ C )Tj EMC /TD <>BDC 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj EMC /TD <>BDC 13.11 0 0 13.11 68.16 262.56 Tm (cases in the Central District of California. See, e.g., FTC v. Fed. Loan\ )Tj 13.16 0 0 13.16 67.2 247.44 Tm (Modifcation Law Ctr., LLP, No. SACV 09-401-CJC\(MLGx\) \(C.D. Cal. Apr. \ 10, )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj EMC /TD <>BDC 13.27 0 0 13.27 67.92 232.32 Tm (2009\) \(grant ofTRO with asset freeze\); FTC v. Natl Foreclosure Relief\ , Inc., No. )Tj EMC /TD <>BDC 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj EMC /TD <>BDC /T1_2 1 Tf 12.3 0 0 12.3 68.4 216.96 Tm (SACV09-1 17-DOC \(MLGx\), 2009 WL 650401, at *1 \(C.D. Cal. Mar. 6,2009\)\ )Tj EMC /TD <>BDC /T1_1 1 Tf 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /TD <>BDC 13.02 0 0 13.02 68.16 199.44 Tm (\(grant of TRO with asset freeze\); FTC v. Productive Mktg., Inc., 136 F\ . Supp. 2d )Tj 12.89 0 0 12.89 69.12 186.96 Tm (1096, 1100 \(C.D. Cal. 2001\). )Tj EMC /TD <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /TD <>BDC 13.09 0 0 13.09 102 165.84 Tm (24 Defendant Dean Shafer ilustrated this risk in an email on May 28, 200\ 9, )Tj EMC /TD <>BDC 12 0 0 12 42.24 145.2 Tm (26 )Tj EMC /TD <>BDC 13.03 0 0 13.03 68.16 145.44 Tm (in which he wrote that the issuance of the D&R ordering Defendants to st\ op )Tj EMC /P <>BDC /T1_0 1 Tf 9.32 0 0 9.32 42.24 123.12 Tm (27 collecting advance fees meant that "the countdown has been triggered \ and LMS\001)Tj EMC /P <>BDC /T1_1 1 Tf 13.25 0 0 13.25 67.68 114.96 Tm (wil at some point cease to exist at least in its current state. We of co\ urse expected )Tj 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj 13.2 0 0 13.2 67.92 100.08 Tm (this and planned for this." PX 21 \(Sibner\), Att. A, at 571. )Tj EMC /Artifact <>BDC 10.32 0 0 10.32 288.96 75.36 Tm (45\001 )Tj EMC ET endstream endobj 1953 0 obj <> endobj 1954 0 obj <> endobj 1955 0 obj <> endobj 1956 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 1957 0 obj <> endobj 1958 0 obj <>stream H\0E @zmfӸ$=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"$Pc@cdqMKՐšH;"dqw v{pápaw H;,ph:=qu4TG浨oj5\,z٣8rv/H >^#es9@/AE/Kˊrl.8]%3&cr``(_4xL”6Ii)>Ed endstream endobj 1959 0 obj [1/space] endobj 1960 0 obj <> endobj 1961 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 1962 0 obj [1/space] endobj 1963 0 obj <> endobj 1964 0 obj <> endobj 1965 0 obj <> endobj 1966 0 obj <> endobj 1967 0 obj <> endobj 1968 0 obj <> endobj 1969 0 obj <> endobj 1970 0 obj <> endobj 1971 0 obj <> endobj 1972 0 obj <> endobj 1973 0 obj <> endobj 1974 0 obj <> endobj 1975 0 obj <> endobj 1976 0 obj <> endobj 1977 0 obj <> endobj 1978 0 obj <> endobj 1979 0 obj <> endobj 1980 0 obj <> endobj 1981 0 obj <> endobj 1982 0 obj <> endobj 1983 0 obj <> endobj 1984 0 obj <> endobj 1985 0 obj <> endobj 1986 0 obj <> endobj 1987 0 obj <> endobj 1988 0 obj <> endobj 1989 0 obj <> endobj 1990 0 obj <> endobj 1991 0 obj <> endobj 1992 0 obj <> endobj 1993 0 obj <> endobj 1994 0 obj <> endobj 1995 0 obj <> endobj 1996 0 obj <> endobj 1997 0 obj <> endobj 1998 0 obj <> endobj 1999 0 obj <> endobj 2000 0 obj <> endobj 2001 0 obj <> endobj 2002 0 obj <> endobj 2003 0 obj <> endobj 2004 0 obj <> endobj 2005 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 10.05 0 0 10.05 49.92 695.76 Tm (1 Beginning in March 2008, Gerard Lockwood, Chief of Investigations for \ the\001 )Tj EMC /P <>BDC 9.22 0 0 9.22 48.72 673.68 Tm (2 Florida Office of the Attorney General, Economic Crimes Division, cont\ acted\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.15 0 0 12.15 48.96 651.36 Tm (3 numerous representatives of LMS, including Defendant Bernadette Perry,\ to inform )Tj EMC /P <>BDC /T1_2 1 Tf 13.32 0 0 13.32 48.72 629.52 Tm (4 them that LMS's collection of advance fees from Florida consumers viol\ ated Florida )Tj EMC /P <>BDC /T1_1 1 Tf 12.09 0 0 12.09 48.96 607.44 Tm (5 Statutes, section 501.13 77. See generally PX 20 \(Lockwood\), at 539-\ 63. Defendants )Tj 12.14 0 0 12.14 48.96 585.36 Tm (6 have refused to provide assurances that they would comply with this pr\ ovision, id. )Tj EMC /P <>BDC /T1_0 1 Tf 8.84 0 0 8.84 48.96 563.28 Tm (7 ii 11, at 541, and the Florida Attorney General continues to receive c\ omplaints from\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.4 0 0 13.4 49.2 541.2 Tm (8 consumers who were charged advance fees, id. ii 12, at 541. When one F\ lorida )Tj EMC /P <>BDC /T1_1 1 Tf 12.03 0 0 12.03 48.96 519.36 Tm (9 consumer learned about the advance fee prohibition and confronted an L\ MS )Tj 11.98 0 0 11.98 43.44 497.52 Tm (10 representative about it, the representative responded in an email tha\ t "if we were to )Tj EMC /P <>BDC /T1_2 1 Tf 13.26 0 0 13.26 43.44 475.44 Tm (11 provide our services and receive payment at completion most clients w\ ould not pay." )Tj 13.13 0 0 13.13 43.44 453.36 Tm (12 PX 01 \(Anderson\) iiii 12- 1 4 & Att. E, at 3, 19. This sort of prot\ ection against false )Tj EMC /P <>BDC /T1_1 1 Tf 12.04 0 0 12.04 43.44 431.52 Tm (13 promises and non-performance, however, is exactly the point of such l\ aws. )Tj 13.13 0 0 13.13 43.44 409.44 Tm (14 The balance of equities, as well as public policy as articulated in t\ he laws of )Tj EMC /P <>BDC /T1_2 1 Tf 13.29 0 0 13.29 43.44 387.36 Tm (15 California, Florida, and other states banning advance fees, favors en\ try of an order )Tj EMC /P <>BDC /T1_0 1 Tf 9.27 0 0 9.27 43.44 365.28 Tm (16 enjoining Defendants from continuing to engage in deceptive conduct a\ nd from\001 )Tj EMC /P <>BDC 9.35 0 0 9.35 43.44 343.44 Tm (17 collecting advance fees from consumers.\001 )Tj EMC /P <>BDC /T1_2 1 Tf 10.56 0 0 10.56 43.44 321.36 Tm (18 )Tj EMC /Span <>BDC 12.1 0 0 12.1 102 310.32 Tm (D. )Tj EMC /Span <>BDC 14 0 0 14 135.6 310.32 Tm (An Asset Preservation Order is Necessary to Preserve the Possibilty)Tj 10.56 0 0 10.56 43.44 299.28 Tm (19 )Tj /T1_1 1 Tf 12.91 0 0 12.91 136.08 299.04 Tm (of Final Effective Relief )Tj EMC /P <>BDC 13.47 0 0 13.47 42.24 277.2 Tm (20 In addition to injunctive relief, the FTC will seek a final order wit\ h monetary )Tj EMC /P <>BDC /T1_0 1 Tf 8.91 0 0 8.91 42.24 255.12 Tm (21 redress. To preserve the availability of funds to redress consumers a\ nd to determine\001 )Tj EMC /P <>BDC /T1_1 1 Tf 11.92 0 0 11.92 42.24 233.28 Tm (22 the scope of the harm, the FTC requests that the Court issue an order\ requiring the )Tj EMC /P <>BDC 12.16 0 0 12.16 42.24 211.2 Tm (23 preservation of assets and evidence. Such an order is well within the\ Court's )Tj EMC /P <>BDC /T1_0 1 Tf 9.44 0 0 9.44 42.24 189.12 Tm (24 authority. See CFTC v. Am. Metals Exch. Corp., 991 F.2d 71,79 \(3d Ci\ r. 1993\); FTC\001 )Tj EMC /P <>BDC 9.1 0 0 9.1 42.24 167.04 Tm (25 v. World Travel Vacation Brokers, Inc., 861 F.2d 1020, 1031 \(7th Cir\ . 1988\)\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.29 0 0 13.29 42.24 145.2 Tm (26 \(affirming asset freeze obtained by FTC\); H.N. Singer, 668 F.2d at \ 1111-13 \(same\); )Tj 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /P <>BDC /T1_1 1 Tf 12.25 0 0 12.25 42.24 101.04 Tm (28 inconspicuous disclaimer in small print at the bottom of the letter. \ )Tj EMC /Artifact <>BDC /T1_2 1 Tf 10.8 0 0 10.8 288.96 75.36 Tm (44 )Tj EMC ET endstream endobj 2006 0 obj <> endobj 2007 0 obj <> endobj 2008 0 obj <> endobj 2009 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 2010 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2011 0 obj <> endobj 2012 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 2013 0 obj [1/space] endobj 2014 0 obj <> endobj 2015 0 obj <> endobj 2016 0 obj <> endobj 2017 0 obj <> endobj 2018 0 obj <> endobj 2019 0 obj <> endobj 2020 0 obj <> endobj 2021 0 obj <> endobj 2022 0 obj <> endobj 2023 0 obj <> endobj 2024 0 obj <> endobj 2025 0 obj <> endobj 2026 0 obj <> endobj 2027 0 obj <> endobj 2028 0 obj <> endobj 2029 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 12.1 0 0 12.1 49.92 695.76 Tm (1 Defendant Dean Shafer acknowledged the D&R in an email to Defendants T\ ony )Tj EMC /P <>BDC /T1_1 1 Tf 9.25 0 0 9.25 48.72 673.68 Tm (2 Perry and Bernadette Perry. He wrote that:\001 )Tj EMC /P <>BDC 10.19 0 0 10.19 48.96 651.36 Tm (3 \(WJith the advent of this action, the countdown has been triggered\001\ )Tj EMC /P <>BDC /T1_0 1 Tf 14.11 0 0 14.11 48.72 629.52 Tm (4 and LMS wil at some point cease to exist at least in its current )Tj EMC /P <>BDC /T1_1 1 Tf 10.21 0 0 10.21 48.96 607.44 Tm (5 state. We of course expected this and planned for this. . .. The\001 )Tj 10.31 0 0 10.31 48.96 585.36 Tm (6 next level of response ultimately could end up with me going to\001 )Tj EMC /P <>BDC /T1_0 1 Tf 15.34 0 0 15.34 48.96 563.28 Tm (7 jaiL. I wil of course be trying to mitigate this. )Tj EMC /P <>BDC /T1_2 1 Tf 13.22 0 0 13.22 49.2 541.2 Tm (8 PX 21 \(Sibner\), Att. A, at 571. Mr. Shafer also wrote that "\( w Jit\ h people now )Tj 13.31 0 0 13.31 48.96 519.36 Tm (9 hammering for refunds, I have spent the last week night and day develo\ ping a counter )Tj EMC /P <>BDC /T1_0 1 Tf 12.38 0 0 12.38 43.44 497.52 Tm (10 refund insurgence system." Id. at 572. )Tj EMC /P <>BDC /T1_1 1 Tf 10.46 0 0 10.46 43.44 475.44 Tm (11 Despite these candid acknowledgments, neither LMS nor the named\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.28 0 0 13.28 43.44 453.36 Tm (12 individuals has responded to the D&R, and LMS continues to market its\ services and )Tj EMC /P <>BDC /T1_0 1 Tf 12.16 0 0 12.16 43.44 431.28 Tm (13 collect advance fees. Indeed, Defendants not only privately, but also\ publicly have )Tj EMC /P <>BDC /T1_2 1 Tf 13.4 0 0 13.4 43.44 409.44 Tm (14 flouted California's prohibition on collecting advance fees. In March\ 2009, )Tj EMC /P <>BDC /T1_0 1 Tf 12.05 0 0 12.05 43.44 387.36 Tm (15 Defendant Dean Shafer admitted in a news interview that he was not fo\ llowing a state )Tj EMC /P <>BDC /T1_2 1 Tf 13.21 0 0 13.21 43.44 365.28 Tm (16 rule that limits the collection of up- front fees because "obeying th\ e rule would )Tj EMC /P <>BDC /T1_0 1 Tf 12.46 0 0 12.46 43.44 343.44 Tm (17 deplete his working capital." PX 24 \(Redding\), Att. W, at 1055-61. \ Mr. Shafer was )Tj EMC /P <>BDC /T1_2 1 Tf 13.3 0 0 13.3 43.44 321.36 Tm (18 quoted as saying, "I'm all for rules and regulations, but they have t\ o be for the good )Tj 13.68 0 0 13.68 43.44 299.28 Tm (19 of the masses." Id.22 )Tj EMC /TD <>BDC 12 0 0 12 42.24 277.2 Tm (20 )Tj EMC /TD <>BDC 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj EMC /TD <>BDC 13.15 0 0 13.15 68.16 247.2 Tm (enter into advance fee loan modification agreements. PX 24 \(Redding\), \ Att. Y, at )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj EMC /TD <>BDC /T1_1 1 Tf 8.89 0 0 8.89 69.12 232.32 Tm (1070- 77. Mr. Perry has not responded. )Tj EMC /TD <>BDC /T1_2 1 Tf 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj EMC /TD <>BDC 13.16 0 0 13.16 102 211.2 Tm (22 LMS's initial marketing letter also violates California statutes whic\ h: \(l\) )Tj EMC /TD <>BDC 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /TD <>BDC 13.05 0 0 13.05 67.68 190.8 Tm (prohibit a person from using a lender's name or a consumer's loan amount\ in a )Tj EMC /TD <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /TD <>BDC 13.02 0 0 13.02 68.4 175.44 Tm (solicitation without authorization unless the person equally prominently\ discloses )Tj 13.15 0 0 13.15 67.92 160.56 Tm (that he is not affiiated with, and not authorized by, the lender; and \(\ 2\) prohibit the )Tj EMC /TD <>BDC 12 0 0 12 42.24 145.2 Tm (26 )Tj EMC /TD <>BDC 13.04 0 0 13.04 67.68 145.2 Tm (use of names similar to those of consumers' lenders if such use could re\ asonably )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /TD <>BDC 13.25 0 0 13.25 68.16 130.08 Tm (confuse or deceive consumers. Cal. Bus. & Prof. Code \247\247 14701-02. \ Despite )Tj 13.02 0 0 13.02 67.92 115.2 Tm (these provisions, Defendants prominently use both the lender's name and \ the )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC /TD <>BDC 13.02 0 0 13.02 68.16 99.84 Tm (consumer's loan amount in their direct mail solicitations, while includi\ ng an )Tj EMC /TD <>BDC 10.32 0 0 10.32 288.96 75.36 Tm (43 )Tj EMC ET endstream endobj 2030 0 obj <> endobj 2031 0 obj <> endobj 2032 0 obj <> endobj 2033 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 2034 0 obj <> endobj 2035 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2036 0 obj [1/space] endobj 2037 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2038 0 obj <> endobj 2039 0 obj <> endobj 2040 0 obj <> endobj 2041 0 obj <> endobj 2042 0 obj <> endobj 2043 0 obj <> endobj 2044 0 obj <> endobj 2045 0 obj <> endobj 2046 0 obj <> endobj 2047 0 obj <> endobj 2048 0 obj <> endobj 2049 0 obj <> endobj 2050 0 obj <> endobj 2051 0 obj <> endobj 2052 0 obj <> endobj 2053 0 obj <> endobj 2054 0 obj <> endobj 2055 0 obj <> endobj 2056 0 obj <> endobj 2057 0 obj <> endobj 2058 0 obj <> endobj 2059 0 obj <> endobj 2060 0 obj <> endobj 2061 0 obj <> endobj 2062 0 obj <> endobj 2063 0 obj <> endobj 2064 0 obj <> endobj 2065 0 obj <> endobj 2066 0 obj <> endobj 2067 0 obj <> endobj 2068 0 obj <> endobj 2069 0 obj <> endobj 2070 0 obj <> endobj 2071 0 obj <> endobj 2072 0 obj <> endobj 2073 0 obj <> endobj 2074 0 obj <> endobj 2075 0 obj [418 0 R] endobj 2076 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 9.69 0 0 9.69 49.92 695.76 Tm (1 As the evidence demonstrates, Defendants' conduct fits squarely within\ this\001 )Tj EMC /P <>BDC 8.72 0 0 8.72 48.72 673.68 Tm (2 description, and thus, public policy militates against permitting Defe\ ndants to\001 )Tj EMC /P <>BDC 9.16 0 0 9.16 48.96 651.36 Tm (3 continue collecting advance fees.20 As described above, Defendants cha\ rge\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.28 0 0 12.28 48.72 629.52 Tm (4 thousands of dollars in fees up-front, and then do little or nothing o\ f value for )Tj EMC /P <>BDC /T1_2 1 Tf 13.53 0 0 13.53 48.96 607.44 Tm (5 consumers after receiving payment. See supra Part IV.A. Those consumer\ s targeted )Tj 13.32 0 0 13.32 48.96 585.36 Tm (6 by Defendants' marketing can little afford to have thousands of dollar\ s taken by )Tj EMC /P <>BDC /T1_1 1 Tf 12.27 0 0 12.27 48.96 563.28 Tm (7 Defendants or tied up with Defendants for months while little or nothi\ ng is done on )Tj EMC /P <>BDC /T1_0 1 Tf 9.24 0 0 9.24 49.2 541.2 Tm (8 their behalf. These consumers otherwise could use the money to continu\ e paying\001 )Tj EMC /P <>BDC 9.27 0 0 9.27 48.96 519.36 Tm (9 their mortgages or reduce other debt. Moreover, many consumers lose va\ luable time\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.18 0 0 12.18 43.44 497.52 Tm (10 they otherwise could have used to work directly with their lenders. T\ he requested )Tj EMC /P <>BDC /T1_2 1 Tf 13.26 0 0 13.26 43.44 475.44 Tm (11 preliminary injunctive relief is necessary to protect consumers from \ injury during the )Tj 13.53 0 0 13.53 43.44 453.36 Tm (12 litigation and to stop further harm. )Tj EMC /P <>BDC /T1_1 1 Tf 13.31 0 0 13.31 43.44 431.52 Tm (13 Injunctive relief also is warranted given Defendants' knowing disrega\ rd for )Tj EMC /P <>BDC /T1_2 1 Tf 13.39 0 0 13.39 43.44 409.44 Tm (14 state laws prohibiting the collection of advance fees. Defendants hav\ e received )Tj 0 -1.649 TD (15 notice in at least two states - California and Florida - that their c\ onduct violates state )Tj EMC /P <>BDC /T1_1 1 Tf 12.21 0 0 12.21 43.44 365.28 Tm (16 statutes prohibiting the collection of up- front fees. However, Defen\ dants did not )Tj EMC /P <>BDC /T1_2 1 Tf 13.36 0 0 13.36 43.44 343.44 Tm (17 discontinue their conduct in response to these notices. )Tj EMC /P <>BDC /T1_0 1 Tf 10.62 0 0 10.62 43.44 321.36 Tm (18 In May 2009, the DRE fied a D&R enjoining Defendants LMS, Dean Shafer\ ,\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12 0 0 12 43.44 299.28 Tm (19 Bernadette Perry and Tony Perry, as well as several other LMS employe\ es, from )Tj 12.25 0 0 12.25 42.24 277.2 Tm (20 collecting advance fees in violation of section 10130 of the Californ\ ia Business & )Tj /T1_2 1 Tf 13.36 0 0 13.36 42.24 255.12 Tm (21 Professions Code. PX 24 \(Redding\), Att. X, at )Tj EMC /Link <>BDC (1063-68.21)Tj EMC /P <>BDC ( Later that same month, )Tj 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj EMC /StyleSpan <>BDC 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj EMC /P <>BDC 13.08 0 0 13.08 102 207.36 Tm (20 Defendants not only promise that they wil obtain loan modifications t\ o )Tj EMC /StyleSpan <>BDC 12 0 0 12 42.24 189.12 Tm (24\001 )Tj EMC /P <>BDC /T1_1 1 Tf 11.81 0 0 11.81 67.68 186.96 Tm (help homeowners avoid foreclosure, see, e.g., PX 10 \(Ruiz\) ii 5, at 19\ 3, they )Tj /T1_2 1 Tf 13.14 0 0 13.14 67.68 171.84 Tm (promise that they wil assist consumers who already are in foreclosure, s\ ee, e.g.,)Tj EMC /P <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /P <>BDC /T1_1 1 Tf 12.52 0 0 12.52 67.92 156.72 Tm (PX 11 \(Ruiz\) iiii 3-4 & Att. E, at 205,211; PX 16 \(Turley\) iiii 29-3\ 0 & Att. V, at )Tj EMC /P <>BDC /T1_2 1 Tf 12 0 0 12 42.24 145.2 Tm (26 )Tj EMC /P <>BDC 13.21 0 0 13.21 67.92 141.6 Tm (293-94,434; PX 23 \(Budich\), Att. A, at 643-46. )Tj EMC /StyleSpan <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /P <>BDC 12.97 0 0 12.97 102 120.48 Tm (21 The DRE also has sent Defendant Tony Perry an Accusation enjoining )Tj 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj 13.03 0 0 13.03 67.68 100.08 Tm (him from making misrepresentations and false promises to induce consumer\ s to )Tj EMC /Artifact <>BDC 10.56 0 0 10.56 288.96 75.36 Tm (42 )Tj EMC ET endstream endobj 2077 0 obj <> endobj 2078 0 obj <> endobj 2079 0 obj <> endobj 2080 0 obj <> endobj 2081 0 obj <>stream H\͎0 _gL7YG{6R1b޾>2"G䳍|D|>>~UyOax}TxSAFޯ7N?(᜺Q5MQe_O/GA9ĹOJ?rqiUIn _ Q:~ qKX4Z麶)N̵]h3 -;88*jZ `pN+UA  >*H რ >*H რ >*H რ >*H0PQ6"dPc@cdq/dqh8Y'Ȫ 5phyp}pán8kt{ hΡkQߢ(jrd[GV.0A/#{9HerRE/u^n%3&cr``(>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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2084 0 obj <> endobj 2085 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2086 0 obj [1/space] endobj 2087 0 obj <> endobj 2088 0 obj <> endobj 2089 0 obj <> endobj 2090 0 obj <> endobj 2091 0 obj <> endobj 2092 0 obj <> endobj 2093 0 obj <> endobj 2094 0 obj <> endobj 2095 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 8.93 0 0 8.93 49.92 695.76 Tm (1 services. As discussed above, this Court has broad equitable authority\ under Section\001 )Tj EMC /P <>BDC 8.92 0 0 8.92 48.72 673.68 Tm (2 1 3\(b\) of the FTC Act to grant ancilary relief necessary to accompli\ sh complete\001 )Tj EMC /P <>BDC 9.04 0 0 9.04 48.96 651.36 Tm (3 justice. Amy Travel, 875 F.2d at 571-72; H.N. Singer, 668 F.2d at 1113\ ; Five-Star\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.41 0 0 13.41 48.72 629.52 Tm (4 Auto Club, 97 F. Supp. 2d at 532-39. The prohibition against making ma\ terial )Tj EMC /P <>BDC /T1_0 1 Tf 8.99 0 0 8.99 48.96 607.44 Tm (5 misrepresentations or omissions of fact in promoting any loan modifica\ tion or\001 )Tj EMC /P <>BDC 8.96 0 0 8.96 48.96 585.36 Tm (6 foreclosure relief service does no more than order that Defendants com\ ply with the\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.43 0 0 13.43 48.96 563.28 Tm (7 FTC Act. The provision barring Defendants from charging or requesting \ advance )Tj EMC /P <>BDC /T1_2 1 Tf 12.2 0 0 12.2 49.2 541.2 Tm (8 fees from consumers in connection with the sale of any loan modificati\ on or )Tj EMC /P <>BDC /T1_0 1 Tf 8.89 0 0 8.89 48.96 519.36 Tm (9 foreclosure relief service is necessary to prevent ongoing consumer in\ jury. This\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.18 0 0 12.18 43.44 497.52 Tm (10 second provision is justified by Defendants' past ilegal conduct and \ the high fees )Tj 11.97 0 0 11.97 43.44 475.44 Tm (11 Defendants charge consumers who can least afford to pay them, resulti\ ng in )Tj 12.29 0 0 12.29 43.44 453.36 Tm (12 devastating financial harm to many. )Tj 13 0 0 13 43.44 431.52 Tm (13 The prohibition on advance fees also is consistent with relevant stat\ e laws )Tj EMC /P <>BDC /T1_1 1 Tf 13.39 0 0 13.39 43.44 409.44 Tm (14 regulating foreclosure consultants. These laws reflect widespread agr\ eement that )Tj 13.26 0 0 13.26 43.44 387.36 Tm (15 public policy favors delaying payment until foreclosure consultants a\ ctually perform )Tj EMC /P <>BDC /T1_2 1 Tf 12.23 0 0 12.23 43.44 365.28 Tm (16 the promised services, in light of the high risk for fraud coupled wi\ th enormous )Tj 12.12 0 0 12.12 43.44 343.44 Tm (17 required fees. See supra note 12. The California legislature made exp\ ress findings to )Tj EMC /P <>BDC /T1_1 1 Tf 13.37 0 0 13.37 43.44 321.36 Tm (18 this effect in enacting such a ban on advance fees: )Tj EMC /P <>BDC /T1_0 1 Tf 10.84 0 0 10.84 43.44 299.28 Tm (19 The Legislature finds and declares that homeowners whose\001 )Tj EMC /P <>BDC /T1_1 1 Tf 15.41 0 0 15.41 42.24 277.2 Tm (20 residences are in foreclosure are subject to fraud, deception, )Tj 15.46 0 0 15.46 42.24 255.12 Tm (21 harassment, and unfair dealing by foreclosure consultants. . . . )Tj 15.58 0 0 15.58 42.24 233.28 Tm (22 These foreclosure consultants. . . often charge high fees. . . and )Tj EMC /P <>BDC /T1_2 1 Tf 14.18 0 0 14.18 42.24 211.2 Tm (23 perform no service or essentially a worthless service. )Tj 13.94 0 0 13.94 42.24 189.12 Tm (24 Homeowners, relying on the foreclosure consultants' promises of )Tj 13.88 0 0 13.88 42.24 167.04 Tm (25 help, take no other action, are diverted from lawful businesses )Tj 13.74 0 0 13.74 42.24 145.2 Tm (26 which could render beneficial services, and often lose their homes. )Tj 12.68 0 0 12.68 42.24 123.12 Tm (27 Cal. Civ. Code \247 2945. )Tj EMC /Artifact <>BDC /T1_1 1 Tf 9.84 0 0 9.84 288.96 75.36 Tm (41 )Tj EMC /Artifact <>BDC 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC ET endstream endobj 2096 0 obj <> endobj 2097 0 obj <> endobj 2098 0 obj <> endobj 2099 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2100 0 obj <>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^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 2101 0 obj <> endobj 2102 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 2103 0 obj [1/space] endobj 2104 0 obj <> endobj 2105 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 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 9.2 0 0 9.2 49.92 695.76 Tm (1 into advance fee loan modification agreements. PX 24 \(Redding\), Att.\ Y, 1070-77.\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.31 0 0 13.31 48.72 673.68 Tm (2 It would be unreasonable and unrealistic for any of the named individu\ al defendants )Tj 13.29 0 0 13.29 48.96 651.36 Tm (3 to argue that they did not have knowledge of the acts and practices de\ scribed herein. )Tj 11.04 0 0 11.04 48.72 629.52 Tm (4 )Tj EMC /Span <>BDC 11.84 0 0 11.84 169.68 618.48 Tm (3. )Tj EMC /Span <>BDC /T1_2 1 Tf 12.45 0 0 12.45 203.76 618.72 Tm (The Balance of Equities Favors Issuance of An\001)Tj /T1_1 1 Tf 9.6 0 0 9.6 48.96 607.44 Tm (5 )Tj 14.13 0 0 14.13 203.52 607.68 Tm (Injunction\001 )Tj EMC /P <>BDC /T1_0 1 Tf 9.66 0 0 9.66 48.96 585.36 Tm (6 The public interest in halting Defendants' misrepresentations and dece\ ptive\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.3 0 0 13.3 48.96 563.28 Tm (7 claims about their mortgage loan services, and in preserving assets fo\ r a meaningful )Tj EMC /P <>BDC /T1_2 1 Tf 12.07 0 0 12.07 49.2 541.2 Tm (8 monetary remedy, far outweighs any interest Defendants may have in con\ tinuing to )Tj EMC /P <>BDC /T1_0 1 Tf 8.95 0 0 8.95 48.96 519.36 Tm (9 deceptively market their services. In balancing the hardships between \ the public and\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.36 0 0 12.36 43.44 497.52 Tm (10 private interest, "public equities receive far greater weight." FTC v\ . Warner )Tj EMC /P <>BDC /T1_1 1 Tf 13.43 0 0 13.43 43.44 475.44 Tm (11 Commc'n Inc., 742 F.2d 1156,1165 \(9th Cir. 1984\); see also FTC v. A\ ffordable )Tj 13.37 0 0 13.37 43.44 453.36 Tm (12 Media, LLC, 179 F.3d 1228,1236 \(9th Cir. 1999\) \("Obviously, the pu\ blic interest in )Tj EMC /P <>BDC /T1_2 1 Tf 12.49 0 0 12.49 43.44 431.28 Tm (13 preserving the ilicit proceeds. . . for restitution to the victims is\ great."\). Here, the )Tj EMC /P <>BDC /T1_1 1 Tf 13.39 0 0 13.39 43.44 409.44 Tm (14 balance tips strongly in favor of issuance of the requested TRO. Defe\ ndants' past )Tj EMC /P <>BDC /T1_2 1 Tf 12.34 0 0 12.34 43.44 387.36 Tm (15 law violations, hardly isolated in nature, strongly suggest they wil \ persist in )Tj 12.07 0 0 12.07 43.44 365.28 Tm (16 defrauding consumers absent the requested injunctive relief. In contr\ ast, "there is no )Tj 12.17 0 0 12.17 43.44 343.44 Tm (17 oppressive hardship to defendants in requiring them to comply with th\ e FTC Act, )Tj EMC /P <>BDC /T1_1 1 Tf 13.3 0 0 13.3 43.44 321.36 Tm (18 refrain from fraudulent representation or preserve their assets from \ dissipation or )Tj EMC /P <>BDC /T1_2 1 Tf 12.29 0 0 12.29 43.44 299.28 Tm (19 concealment." World Wide Factors, 882 F.2d at 347. The Court has no o\ bligation to )Tj EMC /P <>BDC /T1_1 1 Tf 13.57 0 0 13.57 42.24 277.2 Tm (20 protect il-gotten profits or ilegal business interests. CFTC v. Briti\ sh Am. )Tj EMC /P <>BDC /T1_2 1 Tf 12.28 0 0 12.28 42.24 255.12 Tm (21 Commodity Options Corp., 560 F.2d 135, 143 \(2d. Cir. 1977\) \(citing\ FTC v. )Tj 12.39 0 0 12.39 42.24 233.28 Tm (22 Thomsen-King & Co., 109 F.2d 516,519 \(7th Cir. 1940\)\). The public \ interest thus )Tj 12.23 0 0 12.23 42.24 211.2 Tm (23 strongly favors entry of the requested Order. )Tj EMC /P <>BDC /T1_1 1 Tf 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /Span <>BDC 12.56 0 0 12.56 136.08 178.08 Tm (C. )Tj EMC /Span <>BDC 14.1 0 0 14.1 169.68 178.32 Tm (Injunctive Relief Prohibiting Future Misrepresentations and)Tj 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj /T1_2 1 Tf 12.54 0 0 12.54 169.92 166.8 Tm (Collection of Advance Fees is Warranted )Tj EMC /P <>BDC /T1_0 1 Tf 10.22 0 0 10.22 42.24 145.2 Tm (26 To prevent ongoing consumer injury, the proposed TRO prohibits Defend\ ants\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.26 0 0 12.26 42.24 123.12 Tm (27 from making future misrepresentations concerning the provision of loa\ n modification )Tj 12.11 0 0 12.11 42.24 101.04 Tm (28 services and from collecting or charging fees in advance of performin\ g any such )Tj EMC /Artifact <>BDC /T1_1 1 Tf 10.8 0 0 10.8 288.96 75.36 Tm (40 )Tj EMC ET endstream endobj 2106 0 obj <> endobj 2107 0 obj <> endobj 2108 0 obj <> endobj 2109 0 obj <> endobj 2110 0 obj <>stream H\0E/gE|@b .bڪ7" ! }}_ ±+_}7x41]/1&sL/Li&a(|~y߷ϼxw5ISghIcן/~]6 oX!ݼoL$K`J4:ПRvgm+Rf6̱՛mgvV <<)&X+!(PT +G *4 $@K ( ; ( ( ( ( ( ( ( ( ( ( ( ( ( (**fs(s!l%qAY΂$,,#PD~džjGM7EA7ήdHXlЍD Fb-\¢kU߳ _,r˯sGʀ\#%0a/{%{K9y){yUγ_Ѻg/ x>98\8>Tc_2"elqJu}e)?E.c endstream endobj 2111 0 obj [1/space] endobj 2112 0 obj <> endobj 2113 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 2114 0 obj [1/space] endobj 2115 0 obj <> endobj 2116 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 2117 0 obj [1/space] endobj 2118 0 obj <> endobj 2119 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.64 0 0 13.64 49.92 695.76 Tm (1 government officials on behalfofLMS. PX 03 \(Browne\), Att. B, at 41; \ PX 16 )Tj EMC /Span <>BDC /T1_1 1 Tf 12.69 0 0 12.69 48.72 673.68 Tm (2 \(Turley\) iiii 31-34 & Atts. T.1-T.4, T.6-T.8, at 294-95,406-16,420-2\ 5; PX 20 )Tj EMC /P <>BDC /T1_0 1 Tf 13.33 0 0 13.33 48.96 651.36 Tm (3 \(Lockwood\) iiii 6-7 & Att. B, at 540, 546. In late 2007, at approxim\ ately the time that )Tj EMC /P <>BDC /T1_2 1 Tf 9.3 0 0 9.3 48.72 629.52 Tm (4 defendants were beginning to market loan modifications through\001 )Tj EMC /P <>BDC 9.31 0 0 9.31 48.96 607.44 Tm (5 Synergy/DirectLender, corporate registration documents for Synergy/Dir\ ectLender\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.17 0 0 12.17 48.96 585.36 Tm (6 began listing Ms. Perry as CEO, CFO, Secretary, and a director. PX 24 \ \(Redding\), )Tj EMC /P <>BDC /T1_2 1 Tf 9.08 0 0 9.08 48.96 563.28 Tm (7 Att. G, at 701.\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.02 0 0 13.02 49.2 541.2 Tm (8 Defendant Tony Perry is listed in marketing materials sent to consumer\ s as )Tj EMC /P <>BDC /T1_0 1 Tf 13.3 0 0 13.3 48.96 519.36 Tm (9 LMS's President and Acting COO, as well as a member of its Operational\ Executive )Tj EMC /P <>BDC /T1_1 1 Tf 12.38 0 0 12.38 43.44 497.52 Tm (10 Team. PX 03 \(Browne\), Att. B, at 41. According to these materials, \ Tony Perry is )Tj 12.08 0 0 12.08 43.44 475.44 Tm (11 responsible for overseeing the day-to-day operations, with the object\ ive of balancing )Tj 12.56 0 0 12.56 43.44 453.36 Tm (12 operating efficiency and growth initiatives. Id. Marketing materials \ for LMS also )Tj EMC /P <>BDC /T1_0 1 Tf 13.29 0 0 13.29 43.44 431.28 Tm (13 include a "personal message" to consumers from Tony Perry in his capa\ city as )Tj EMC /P <>BDC /T1_1 1 Tf 12.35 0 0 12.35 43.44 409.44 Tm (14 President. Id. Moreover, LMS has marketed its loan modification servi\ ces using Mr. )Tj 12.23 0 0 12.23 43.44 387.36 Tm (15 Perry's expired real estate license. PX 24 \(Redding\), Att. Y, at 10\ 70-77. )Tj 12.84 0 0 12.84 43.44 365.28 Tm (16 The individual defendants also had requisite know ledge of LM S' s de\ ceptive )Tj 12.22 0 0 12.22 43.44 343.44 Tm (17 acts and practices to be subject to monetary liability. LMS and each \ of the individual )Tj 12.09 0 0 12.09 43.44 321.36 Tm (18 defendants were named in a Desist and Refrain Order \("D&R"\) issued \ by the )Tj EMC /P <>BDC /T1_0 1 Tf 13.2 0 0 13.2 43.44 299.28 Tm (1 9 California Department of Real Estate \("DRE"\) in May 2009, requirin\ g them to stop )Tj 13.5 0 0 13.5 42.24 277.2 Tm (20 collecting advance fees. Id., Att. X, at 1063-68. Defendant Dean Shaf\ er designed the )Tj 13.29 0 0 13.29 42.24 255.12 Tm (21 direct mail solicitation and culled the leads that have been the prim\ ary source of the )Tj /T1_1 1 Tf 12.28 0 0 12.28 42.24 233.28 Tm (22 corporate defendants' customers since inception. Id., Att. W, at 1055\ -61. Defendant )Tj /T1_0 1 Tf 13.31 0 0 13.31 42.24 211.2 Tm (23 Bernadette Perry oversees LMS's modification operations and has repre\ sented to )Tj /T1_1 1 Tf 12.08 0 0 12.08 42.24 189.12 Tm (24 consumers that she personally gets involved when LMS has failed to ob\ tain loan )Tj /T1_0 1 Tf 13.52 0 0 13.52 42.24 167.04 Tm (25 modifications. PX 16 \(Turley\), Att. T.1, at 406-08. Defendant Tony \ Perry has used )Tj 13.31 0 0 13.31 42.24 145.2 Tm (26 his expired real estate license to offer services to customers of LMS\ , and was named )Tj 13.3 0 0 13.3 42.24 123.12 Tm (27 in an Accusation issued by the DRE in April 2009, ordering him, among\ other things, )Tj 13.31 0 0 13.31 42.24 101.04 Tm (28 to stop making misrepresentations and false promises to induce consum\ ers to enter )Tj EMC /Artifact <>BDC 10.32 0 0 10.32 289.2 75.12 Tm (39\001 )Tj EMC ET endstream endobj 2120 0 obj <> endobj 2121 0 obj <> endobj 2122 0 obj <> endobj 2123 0 obj <> endobj 2124 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2125 0 obj [1/space] endobj 2126 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2127 0 obj <> endobj 2128 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 2129 0 obj [1/space] endobj 2130 0 obj <> endobj 2131 0 obj <> endobj 2132 0 obj <> endobj 2133 0 obj <> endobj 2134 0 obj <> endobj 2135 0 obj <> endobj 2136 0 obj <> endobj 2137 0 obj <> endobj 2138 0 obj <> endobj 2139 0 obj <> endobj 2140 0 obj <> endobj 2141 0 obj <> endobj 2142 0 obj <> endobj 2143 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 12.1 0 0 12.1 49.92 695.76 Tm (1 Standard, 874 F. Supp. at 1089. This is especially true when the corpo\ rate )Tj EMC /P <>BDC /T1_1 1 Tf 13.38 0 0 13.38 48.72 673.68 Tm (2 defendants, as those in this case, are small, closely held corporation\ s. FTC v. )Tj EMC /P <>BDC /T1_0 1 Tf 12.35 0 0 12.35 48.96 651.36 Tm (3 Transnet Wireless Corp., 506 F. Supp. 2d 1247,1270 \(S.D. Fla. 2007\).\ Here, all of )Tj EMC /P <>BDC /T1_2 1 Tf 8.65 0 0 8.65 48.72 629.52 Tm (4 the individual defendants are principals of LM S. 19\001 )Tj EMC /P <>BDC 10.5 0 0 10.5 48.96 607.44 Tm (5 Defendant Dean Shafer co-founded LMS with Defendant Bernadette Perry a\ nd\001 )Tj EMC /P <>BDC 9.16 0 0 9.16 48.96 585.36 Tm (6 serves or has served as LM S' s CEO, CFO, Secretary and a director. PX\ 24\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.61 0 0 13.61 48.96 563.28 Tm (7 \(Redding\), Att. W, C, J, at 1055-61,688,735. He initially registered\ the corporation )Tj EMC /P <>BDC /T1_0 1 Tf 12.3 0 0 12.3 49.2 541.2 Tm (8 to his home address. Id., Att. C, at 688. Mr. Shafer designed the dire\ ct mail )Tj EMC /P <>BDC /T1_2 1 Tf 8.89 0 0 8.89 48.96 519.36 Tm (9 solicitation that has been the primary source of Defendants' customers\ since )Tj /T1_1 1 Tf 13.48 0 0 13.48 43.44 497.52 Tm (10 inception. Id., Att. W, at 1055-61. He also has taken credit for revi\ ewing leads to )Tj 13.58 0 0 13.58 43.44 475.44 Tm (11 identify the consumers who wil receive the solicitations. Id. Mr. Sha\ fer is signatory )Tj /T1_0 1 Tf 12.16 0 0 12.16 43.44 453.36 Tm (12 on numerous bank accounts registered to the company. Id., Att. N, at \ 752-72. Thus, )Tj /T1_1 1 Tf 13.55 0 0 13.55 43.44 431.28 Tm (13 Mr. Shafer has authority to control LMS. J.K. Publns, 99 F. Supp. at \ 1204 \(stating )Tj /T1_0 1 Tf 12.15 0 0 12.15 43.44 409.44 Tm (14 that authority to sign documents on behalf of corporation indicates a\ uthority to )Tj 13.58 0 0 13.58 43.44 387.36 Tm (15 control\). )Tj EMC /P <>BDC /T1_2 1 Tf 10.49 0 0 10.49 43.44 365.28 Tm (16 Defendant Bernadette Perry co-founded LMS with Defendant Shafer and\001\ )Tj EMC /P <>BDC 9.23 0 0 9.23 43.44 343.44 Tm (17 serves or has served as a member of the Operational Executive Team of\ Loss\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.37 0 0 13.37 43.44 321.36 Tm (18 Mitigation Services, Inc. Ms. Perry is actively involved in LMS's ope\ rations, serving )Tj EMC /Span <>BDC /T1_0 1 Tf 12.21 0 0 12.21 43.44 299.28 Tm (19 as its "Senior Negotiator" for loan modifications, and interacting wi\ th consumers and )Tj EMC /TD <>BDC /T1_1 1 Tf 12 0 0 12 42.24 277.2 Tm (20 )Tj EMC /TD <>BDC 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj EMC /TD <>BDC 13.19 0 0 13.19 102.72 256.8 Tm (19 "An officer of a corporation may be held individually liable for )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj EMC /TD <>BDC 12.92 0 0 12.92 68.16 236.16 Tm (injunctive relief under the \(FTC Act J for corporate practices if the F\ TC can prove )Tj EMC /TD <>BDC 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj EMC /TD <>BDC 13.03 0 0 13.03 68.16 218.4 Tm (\(1\) that the corporation committed misrepresentations or omissions of \ a kind )Tj 13.05 0 0 13.05 67.68 205.68 Tm (usually relied on by a reasonably prudent person, resulting in consumer \ injury, and )Tj EMC /TD <>BDC 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /TD <>BDC 13.03 0 0 13.03 68.16 188.16 Tm (\(2\) that the individual defendants participated directly in the acts o\ r practices or )Tj EMC /TD <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /TD <>BDC /T1_0 1 Tf 12.04 0 0 12.04 67.68 175.68 Tm (had authority to control them." Am. Standard, 874 F. Supp. at 1087 \(cit\ ing Amy )Tj /T1_2 1 Tf 5 0 0 5 68.64 160.56 Tm (Travel, 875 F.2d at 573\); see also FTC v. Kitco of )Tj /T1_1 1 Tf 13.04 0 0 13.04 331.2 160.32 Tm (Nevada, Inc., 612 F. Supp. 1282, )Tj EMC /TD <>BDC 12 0 0 12 42.24 145.2 Tm (26 )Tj EMC /TD <>BDC 13.22 0 0 13.22 69.12 145.44 Tm (1292 \(D. Minn. 1985\)\); FTC v. Natl Urological Group, No. 1:04-cv-3294\ -CAP, )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /TD <>BDC 13.18 0 0 13.18 67.92 130.32 Tm (2008 WL 2414317, at *28 \(N.D. Ga. June 4, 2008\). An individual's statu\ s as a )Tj 13.08 0 0 13.08 68.16 114.96 Tm (corporate officer of a small, closely-held corporation gives rise to a p\ resumption of )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC /TD <>BDC 13.13 0 0 13.13 68.16 100.08 Tm (ability to control the corporation. Transnet Wireless, 506 F. Supp. 2d a\ t 1270. )Tj EMC /Artifact <>BDC 10.32 0 0 10.32 289.2 75.12 Tm (38\001 )Tj EMC ET endstream endobj 2144 0 obj <> endobj 2145 0 obj <> endobj 2146 0 obj <> endobj 2147 0 obj <> endobj 2148 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2149 0 obj [1/space] endobj 2150 0 obj <> endobj 2151 0 obj <>stream H\0E @zmfӸ$=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"$Pc@cdqMKՐšH;"dqw v{pápaw H;,ph:=qu4TG浨oj5\,z٣8rv/H >^#es9@/AE/Kˊrl.8]%3&cr``(_4xL”6Ii)>Ed endstream endobj 2152 0 obj [1/space] endobj 2153 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2154 0 obj <> endobj 2155 0 obj <> endobj 2156 0 obj <> endobj 2157 0 obj <> endobj 2158 0 obj <> endobj 2159 0 obj <> endobj 2160 0 obj <> endobj 2161 0 obj <> endobj 2162 0 obj <> endobj 2163 0 obj <> endobj 2164 0 obj <> endobj 2165 0 obj <> endobj 2166 0 obj <> endobj 2167 0 obj <> endobj 2168 0 obj <> endobj 2169 0 obj <> endobj 2170 0 obj <> endobj 2171 0 obj <> endobj 2172 0 obj <> endobj 2173 0 obj <> endobj 2174 0 obj <> endobj 2175 0 obj <> endobj 2176 0 obj <> endobj 2177 0 obj <> endobj 2178 0 obj <> endobj 2179 0 obj <> endobj 2180 0 obj <> endobj 2181 0 obj <> endobj 2182 0 obj <> endobj 2183 0 obj <> endobj 2184 0 obj <> endobj 2185 0 obj <> endobj 2186 0 obj <> endobj 2187 0 obj <> endobj 2188 0 obj <> endobj 2189 0 obj [416 0 R 417 0 R] endobj 2190 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.28 0 0 13.28 49.92 695.76 Tm (1 not a defendant, Debi Britt, serves as the General Manager of Operatio\ ns for LMS )Tj EMC /Span <>BDC /T1_1 1 Tf 12.37 0 0 12.37 48.72 673.68 Tm (2 and previously handled operations oversight for Direct Lender. Id. )Tj EMC /P <>BDC /T1_2 1 Tf 9.91 0 0 9.91 48.96 651.36 Tm (3 Third, the corporate defendants share or have shared office space. LMS\ and\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.16 0 0 12.16 48.72 629.52 Tm (4 Synergy have operated at 8700 Warner Avenue #200, Fountain Valley, Cal\ ifornia )Tj 12.59 0 0 12.59 48.96 607.44 Tm (5 92708. PX 24 \(Redding\), Atts. A, I, U, at 683,707, 1047; PX 16 \(Tur\ ley\), Att. D, at )Tj EMC /P <>BDC /T1_2 1 Tf 11.27 0 0 11.27 48.96 585.36 Tm (6 328.\001 )Tj 10.12 0 0 10.12 48.96 563.28 Tm (7 Because numerous factors support the conclusion that Direct Lender and\ LMS\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.38 0 0 13.38 49.2 541.2 Tm (8 have operated as a common enterprise, each is liable for the other's a\ ctivities. These )Tj EMC /P <>BDC /T1_1 1 Tf 12.14 0 0 12.14 48.96 519.36 Tm (9 factors include common control, shared officers, shared office space, \ unified )Tj EMC /P <>BDC /T1_0 1 Tf 13.3 0 0 13.3 43.44 497.52 Tm (10 advertising, and transacting business through interrelated companies.\ )Tj EMC /P <>BDC 9.6 0 0 9.6 43.44 475.44 Tm (11 )Tj EMC /Span <>BDC 13.12 0 0 13.12 203.52 464.16 Tm (b. )Tj EMC /Span <>BDC /T1_1 1 Tf 12.51 0 0 12.51 237.36 464.4 Tm (Defendants Dean Shafer, Bernadette Perry and)Tj /T1_0 1 Tf 10.56 0 0 10.56 43.44 453.36 Tm (12 )Tj 13.93 0 0 13.93 237.6 453.36 Tm (Tony Perry Can Be Held Individually Liable for)Tj EMC /P <>BDC /T1_1 1 Tf 12.57 0 0 12.57 237.36 442.56 Tm (the Acts and Practices of the Enterprise )Tj EMC /P <>BDC /T1_0 1 Tf 10.08 0 0 10.08 43.44 431.28 Tm (13 )Tj 13.04 0 0 13.04 102 420.48 Tm (Individuals also can be held liable for corporate violations of Section \ 5 of the )Tj 10.8 0 0 10.8 43.44 409.44 Tm (14 )Tj 13.08 0 0 13.08 67.92 398.4 Tm (FTC Act. )Tj EMC /Link <>BDC (Cyberspace.com)Tj EMC /P <>BDC (, 453 F.3d at 1202; FTC v. Am. Standard Credit Sys., Inc., )Tj 10.32 0 0 10.32 43.44 387.36 Tm (15 )Tj 13.25 0 0 13.25 68.4 376.08 Tm (874 F. Supp. 1080,1089-90 \(C.D. Cal. 1994\). Individual liability for i\ njunctive )Tj 10.8 0 0 10.8 43.44 365.28 Tm (16 )Tj 13.05 0 0 13.05 67.68 354.48 Tm (relief is appropriate where, as here, the individual defendant directly \ participated in )Tj 10.56 0 0 10.56 43.44 343.44 Tm (17 )Tj 13.1 0 0 13.1 68.16 332.16 Tm (or had the authority to control corporate deceptive acts and practices. \ Am. Standard, )Tj 10.56 0 0 10.56 43.44 321.36 Tm (18 )Tj 13.13 0 0 13.13 68.4 310.08 Tm (874 F. Supp. at 1089. Individual defendants are further subject to monet\ ary liability )Tj 10.56 0 0 10.56 43.44 299.28 Tm (19 )Tj 13.24 0 0 13.24 68.16 288.24 Tm (if they had knowledge of the practices at issue. Id. An individual need \ not have had)Tj 12 0 0 12 42.24 277.2 Tm (20 )Tj 12.9 0 0 12.9 68.4 266.16 Tm (subjective intent to deceive or actual know ledge of the deception; reck\ less )Tj 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj 13.03 0 0 13.03 68.16 244.32 Tm (indifference to the truth or falsity of a misrepresentation or an awaren\ ess of a high )Tj 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj 13.18 0 0 13.18 67.68 222.24 Tm (probability of fraud coupled with intentional avoidance of the truth wil\ suffice. Amy )Tj 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj EMC /P <>BDC /T1_1 1 Tf 11.73 0 0 11.73 68.64 200.16 Tm (Travel, 875 F.2d at 573-74; )Tj EMC /Link <>BDC (Cyberspace.com)Tj EMC /P <>BDC (, 453 F.3d at 1202; Am. Standard, 874 F. )Tj EMC /P <>BDC /T1_0 1 Tf 12 0 0 12 42.24 189.12 Tm (24 )Tj 13.26 0 0 13.26 68.4 178.08 Tm (Supp. at 1089; J.K. Publns, 99 F. Supp. 2d at 1204. )Tj 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj 13.02 0 0 13.02 102.24 156.24 Tm (The individual defendants are subject to injunctive relief because they \ had )Tj 12 0 0 12 42.24 145.2 Tm (26 )Tj 13.13 0 0 13.13 68.16 134.16 Tm (authority to control the corporate enterprise. Authority to control can \ arise from )Tj 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj 12.99 0 0 12.99 68.16 112.08 Tm (assuming the duties of a corporate officer. Amy Travel, 875 F.2d at 573;\ see also Am. )Tj 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC /Artifact <>BDC 10.32 0 0 10.32 289.2 75.12 Tm (37\001 )Tj EMC ET endstream endobj 2191 0 obj <> endobj 2192 0 obj <> endobj 2193 0 obj <> endobj 2194 0 obj <> endobj 2195 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2196 0 obj [1/space] endobj 2197 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2198 0 obj <> endobj 2199 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 2200 0 obj [1/space] endobj 2201 0 obj <> endobj 2202 0 obj <> endobj 2203 0 obj <> endobj 2204 0 obj <> endobj 2205 0 obj <> endobj 2206 0 obj <> endobj 2207 0 obj <> endobj 2208 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 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.41 0 0 13.41 49.92 695.76 Tm (1 LEXIS 16137, at *59 \(S.D. Fla. Jul. 10, 1987\). No one factor is disp\ ositive, and all )Tj EMC /P <>BDC /T1_1 1 Tf 12.22 0 0 12.22 48.72 673.68 Tm (2 factors need not be present to justify a finding of common enterprise.\ FTC v.\001 )Tj 12.13 0 0 12.13 48.96 651.36 Tm (3 Kennedy, 574 F. Supp. 2d 714,722 \(S.D. Tex. 2008\) \("It is not neces\ sary that the\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.34 0 0 13.34 48.72 629.52 Tm (4 FTC prove any particular number of entity connections and any specific\ )Tj EMC /P <>BDC /T1_2 1 Tf 9.55 0 0 9.55 48.96 607.44 Tm (5 connection."\).\001 )Tj EMC /P <>BDC 9.75 0 0 9.75 48.96 585.36 Tm (6 Several of the factors necessary to demonstrate common enterprise are \ present\001 )Tj EMC /P <>BDC 8.8 0 0 8.8 48.96 563.28 Tm (7 here. First, each of the interrelated corporate defendants has conduct\ ed business\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.14 0 0 12.14 49.2 541.2 Tm (8 through the other, and through at least one entity they have jointly o\ perated. From )Tj EMC /P <>BDC /T1_2 1 Tf 9.41 0 0 9.41 48.96 519.36 Tm (9 approximately late 2007 through approximately May 2008, corporate defe\ ndant\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.28 0 0 13.28 43.44 497.52 Tm (10 Direct Lender advertised, marketed, offered to sell, and sold loan mo\ dification and )Tj EMC /P <>BDC /T1_1 1 Tf 12.15 0 0 12.15 43.44 475.44 Tm (11 foreclosure relief services, using the name "Loss Mitigation Departme\ nt" and a direct )Tj EMC /P <>BDC /T1_2 1 Tf 9.22 0 0 9.22 43.44 453.36 Tm (12 mail solicitation designed by Defendant Dean Shafer, who ultimately c\ o-founded\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.39 0 0 13.39 43.44 431.28 Tm (13 LMS. See PX 24 \(Redding\), Att. W, at 1055-61; PX 04 \(Dondi\), Att.\ A, at 52. )Tj 13.31 0 0 13.31 43.44 409.44 Tm (14 Beginning on or about April 2008, Direct Lender purported to transfer\ its loss )Tj EMC /P <>BDC /T1_2 1 Tf 9.42 0 0 9.42 43.44 387.36 Tm (15 mitigation operations to Corporate Defendant LMS. Following the purpo\ rted\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.26 0 0 13.26 43.44 365.28 Tm (16 transfer, LMS continued to advertise, market, offer to sell, and sell\ the same services )Tj EMC /P <>BDC /T1_1 1 Tf 12.26 0 0 12.26 43.44 343.44 Tm (17 using the same, or virtually the same, direct mail solicitation. Comp\ are PX 04 )Tj 12.72 0 0 12.72 43.44 321.36 Tm (18 \(Dondi\), Att. A, at 52, with PX 16 \(Turley\), Atts. A, V, at 298,4\ 34. Through )Tj EMC /P <>BDC /T1_0 1 Tf 13.26 0 0 13.26 43.44 299.28 Tm (19 approximately mid-2008, both corporate defendants operated out of the\ same address, )Tj 13.33 0 0 13.33 42.24 277.2 Tm (20 PX 24 \(Redding\), Att. U, at 1047, with corporate letterhead contain\ ing logos for both )Tj EMC /P <>BDC /T1_1 1 Tf 12.59 0 0 12.59 42.24 255.12 Tm (21 Defendants, PX 16 \(Turley\), Att. D, at 328. Additionally, LMS has u\ sed TNLMA to )Tj EMC /P <>BDC /T1_0 1 Tf 13.3 0 0 13.3 42.24 233.28 Tm (22 perpetuate its fraudulent activity, and TNLMA has ties to both corpor\ ate defendants. )Tj EMC /P <>BDC /T1_1 1 Tf 12.61 0 0 12.61 42.24 211.2 Tm (23 See supra Part IV.A.4.\001 )Tj 13.06 0 0 13.06 42.24 189.12 Tm (24 Second, the corporate defendants are commonly controlled with overlap\ ping\001 )Tj EMC /P <>BDC /T1_2 1 Tf 8.85 0 0 8.85 42.24 167.04 Tm (25 officers. Individual Defendant Bernadette Perry, a.k.a. Bernadette Ca\ rr, serves as an\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.31 0 0 13.31 42.24 145.2 Tm (26 officer of Direct Lender, including but not limited to, in the capaci\ ty of CEO, CFO, )Tj EMC /P <>BDC /T1_2 1 Tf 5 0 0 5 42.24 123.12 Tm (27 Secretary, PX 24 \(Redding\), Att. G, at 701, and is a member of \001\ )Tj EMC /Span <>BDC /T1_1 1 Tf 11.72 0 0 11.72 401.28 123.12 Tm (the Operational )Tj 12.75 0 0 12.75 42.24 101.04 Tm (28 Executive Team ofLMS. PX 03 \(Browne\), Att. B, at 41. Another indivi\ dual who is )Tj EMC /Artifact <>BDC /T1_0 1 Tf 10.56 0 0 10.56 289.2 75.12 Tm (36 )Tj EMC ET endstream endobj 2209 0 obj <> endobj 2210 0 obj <> endobj 2211 0 obj <> endobj 2212 0 obj <> endobj 2213 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2214 0 obj [1/space] endobj 2215 0 obj <> endobj 2216 0 obj <>stream H\0E/gE|@b .bڪ7" ! }}_ ±+_}7x41]/1&sL/Li&a(|~y߷ϼxw5ISghIcן/~]6 oX!ݼoL$K`J4:ПRvgm+Rf6̱՛mgvV <<)&X+!(PT +G *4 $@K ( ; ( ( ( ( ( ( ( ( ( ( ( ( ( (**fs(s!l%qAY΂$,,#PD~džjGM7EA7ήdHXlЍD Fb-\¢kU߳ _,r˯sGʀ\#%0a/{%{K9y){yUγ_Ѻg/ x>98\8>Tc_2"elqJu}e)?E.c endstream endobj 2217 0 obj [1/space] endobj 2218 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 2219 0 obj <> endobj 2220 0 obj <> endobj 2221 0 obj <> endobj 2222 0 obj <> endobj 2223 0 obj [409 0 R] endobj 2224 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 12.91 0 0 12.91 49.92 695.76 Tm (1 purports to be a "FINAL NOTICE," making an offer that wil expire in )Tj 12.13 0 0 12.13 48.72 673.68 Tm (2 approximately three weeks to renegotiate the consumer's mortgage. The \ solicitation )Tj EMC /P <>BDC /T1_1 1 Tf 8.95 0 0 8.95 48.96 651.36 Tm (3 invites consumers to call Defendants' toll-free number.\001 )Tj EMC /P <>BDC 10.36 0 0 10.36 48.72 629.52 Tm (4 Defendants also market via the website )Tj EMC /Link <>BDC (www.1mslossmit.com)Tj EMC /P <>BDC (. The website\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.2 0 0 12.2 48.96 607.44 Tm (5 urges consumers to "\(gJet started" by calling LMS at a toll-free numb\ er or to input )Tj EMC /P <>BDC /T1_1 1 Tf 9.09 0 0 9.09 48.96 585.36 Tm (6 personal information directly on screen. PX 24 \(Redding\), Att. Q, at\ 780. The\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.07 0 0 12.07 48.96 563.28 Tm (7 website warns homeowners that "Representing Yourself Can Be Hazardous!\ " and )Tj EMC /P <>BDC /T1_1 1 Tf 8.58 0 0 8.58 49.2 541.2 Tm (8 that, if they do, "you wil be offered less of a modification or short \ sale than you\001 )Tj EMC /P <>BDC 9.03 0 0 9.03 48.96 519.36 Tm (9 could really get." Id. The website also claims that "\(mJany times we \ can\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.38 0 0 12.38 43.44 497.52 Tm (10 substantially improve your loan modification or short sale. We know h\ ow to )Tj 12.46 0 0 12.46 43.44 475.44 Tm (1 1 communicate with your lender." Id. Defendants' marketing efforts yie\ ld )Tj 12.18 0 0 12.18 43.44 453.36 Tm (12 approximately 500 inbound calls per day from consumers, id., Att. W, \ 1055-61. )Tj EMC /P <>BDC /T1_2 1 Tf 13.17 0 0 13.17 43.44 431.52 Tm (13 LMS' s profit and loss statement reflects that it collected an averag\ e of approximately )Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 43.44 409.44 Tm (14 $741,000 per month in "Loan Mod Fees" between October 2008 and April \ \001)Tj EMC /P <>BDC /T1_0 1 Tf 12.6 0 0 12.6 462 409.44 Tm (2009. PX )Tj EMC /P <>BDC /T1_2 1 Tf 13.39 0 0 13.39 43.44 387.36 Tm (15 21 \(Sibner\), Att. D, at 580 \(CD-ROM\). With typical advance fees o\ f $3,500 \(though )Tj EMC /P <>BDC /T1_1 1 Tf 9.28 0 0 9.28 43.44 365.28 Tm (16 they range between $2,500 and $5,500\), this amounts to approximately\ 200\001 )Tj EMC /P <>BDC 10.05 0 0 10.05 43.44 343.44 Tm (17 consumers per month.\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.09 0 0 13.09 43.44 321.36 Tm (18 In actuality, Defendants do not live up to their promises. Once consu\ mers pay )Tj 12.17 0 0 12.17 43.44 299.28 Tm (19 the up-front fee, Defendants do little, if anything, to negotiate wit\ h the consumers' )Tj 12.19 0 0 12.19 42.24 277.2 Tm (20 lenders and often fail to obtain the promised modifications. The cons\ equences of )Tj EMC /P <>BDC /T1_1 1 Tf 9.44 0 0 9.44 42.24 255.12 Tm (21 Defendants' deceptive conduct are devastating. Many consumers have go\ ne into\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.12 0 0 12.12 42.24 233.28 Tm (22 foreclosure and lost their homes while they waited for Defendants to \ obtain them a )Tj EMC /P <>BDC /T1_2 1 Tf 13.41 0 0 13.41 42.24 211.2 Tm (23 loan modification. Many have lost valuable time they could have spent\ working )Tj 13.3 0 0 13.3 42.24 189.12 Tm (24 directly with their lenders or servicers to save their homes, or gett\ ing help from a free )Tj EMC /P <>BDC /T1_0 1 Tf 12.13 0 0 12.13 42.24 167.04 Tm (25 housing counseling service. Many have fallen behind on mortgage payme\ nts after )Tj EMC /P <>BDC /T1_2 1 Tf 13.32 0 0 13.32 42.24 145.2 Tm (26 paying Defendants' up-front fee, while others have missed payments ac\ ting on )Tj EMC /P <>BDC /T1_0 1 Tf 12.67 0 0 12.67 42.24 123.12 Tm (27 Defendants' advice. )Tj EMC /Artifact <>BDC /T1_2 1 Tf 9.12 0 0 9.12 292.08 75.12 Tm (7 )Tj EMC /Artifact <>BDC 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC ET endstream endobj 2225 0 obj <> endobj 2226 0 obj <> endobj 2227 0 obj <> endobj 2228 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 2229 0 obj <> endobj 2230 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ 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R. Civ. P. 30.. . . . . . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . . . . . . . . 28\001 )Tj 13.39 0 0 13.39 48.72 673.68 Tm (2 Fed. R. Civ. P. 33.. . . . . . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . . . . . . . . 48\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.16 0 0 12.16 48.96 651.36 Tm (3 Fed. R. Civ. P. 34.. . . . . . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . . . . . 28,48 )Tj EMC /P <>BDC /T1_0 1 Tf 13.43 0 0 13.43 48.72 629.52 Tm (4 Cal. Civ. Code \247 2945 et seq... . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . . . 29,41 )Tj EMC /P <>BDC /T1_1 1 Tf 12.36 0 0 12.36 48.96 607.44 Tm (5 Cal. Bus. & Prof. Code \247\247 14701-02.. . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . 30,34,43 )Tj EMC /P <>BDC /T1_0 1 Tf 13.23 0 0 13.23 48.96 585.36 Tm (6 Colo. Rev. Stat. \247 6- 1 - 1101 et seq.. .. . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . . . . . . . . 29\001 )Tj EMC /P <>BDC 13.38 0 0 13.38 48.96 563.28 Tm (7 765 Il. Compo Stat. \247 940/1 et seq.. . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . . . . . . . 30\001 )Tj EMC /P <>BDC 13.35 0 0 13.35 49.2 541.2 Tm (8 Ind. Code \247 24-5.5-2-1 et seq.. . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . . . . . . 30\001 )Tj EMC /P <>BDC 13.42 0 0 13.42 48.96 519.36 Tm (9 Md. Code Ann., Real Prop. \247 7-301 et seq... . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . 30\001 )Tj 13.33 0 0 13.33 43.44 497.52 Tm (10 Minn. Stat. \247 325N.01 et seq... . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . . . . . . . . . 30\001 )Tj 13.62 0 0 13.62 43.44 475.44 Tm (lIMo. Rev. Stat. \247 407.935 et seq.. . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . . . . . 30\001 )Tj 13.36 0 0 13.36 43.44 453.36 Tm (12 N.H. Rev. Stat. Ann. \247 479-B:1 et seq.. . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . . . . . . 30\001 )Tj 13.5 0 0 13.5 43.44 431.28 Tm (13 R.I. Gen. Laws \247 5-79-1 et seq... . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . . . . . . . .30\001 )Tj 10.8 0 0 10.8 43.44 409.44 Tm (14\001 )Tj EMC /P <>BDC 12.82 0 0 12.82 273.12 398.16 Tm (OTHER )Tj EMC /P <>BDC 10.32 0 0 10.32 43.44 387.36 Tm (15\001 )Tj EMC /P <>BDC 12.92 0 0 12.92 68.4 376.08 Tm (S. 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Co.,\001)Tj EMC /Artifact <>BDC /T1_1 1 Tf 13.32 0 0 13.32 103.2 684.72 Tm (104 F.T.C. 648 \(l984\).. . . . . . . . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . 33,34\001 )Tj 10.56 0 0 10.56 48.72 673.68 Tm (2\001 )Tj 12.91 0 0 12.91 67.44 662.64 Tm (Kraft, Inc. v. FTC,\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.44 0 0 12.44 48.96 651.36 Tm (3 970 F.2 d 3 1 1 \(7 th C ir. 1 992\). . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . . . . . . 32\001 )Tj EMC /P <>BDC 12.99 0 0 12.99 48.72 629.52 Tm (4 Reebok Intl, Ltd. v. McLaughlin,\001)Tj 11.29 0 0 11.29 102 618.72 Tm (49 F. 3 d 1 387 \(9 th C ir. 1 995\). . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . . . . . 47\001 )Tj EMC /P <>BDC /T1_1 1 Tf 9.6 0 0 9.6 48.96 607.44 Tm (5\001 )Tj EMC /P <>BDC 13.34 0 0 13.34 67.44 596.64 Tm (Removatron Intl Corp. v. FTC,)Tj EMC /P <>BDC /T1_2 1 Tf 12.94 0 0 12.94 48.96 585.36 Tm (6 884 F .3d 1489 \(l st Cir. 1989\). . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . 33\001 )Tj EMC /P <>BDC 12.67 0 0 12.67 48.96 563.28 Tm (7 SEC v. Bankers Allance Corp.,)Tj EMC /P <>BDC /T1_1 1 Tf 13.08 0 0 13.08 102.48 552.48 Tm (881 F. Supp. 673 \(D.D.C. 1995\). . . . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . 47\001 )Tj EMC /P <>BDC 9.6 0 0 9.6 49.2 541.2 Tm (8\001 )Tj EMC /P <>BDC /T1_2 1 Tf 11.88 0 0 11.88 67.68 530.4 Tm (SEC v. Parkersburg Wireless LLC,\001)Tj 13.28 0 0 13.28 48.96 519.36 Tm (9 156 F.R.D. 529 \(D.D.C. 1994\). . . . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . .47\001 )Tj EMC /P <>BDC 12.53 0 0 12.53 43.44 497.52 Tm (10 SEC v. Unifund SAL, )Tj EMC /P <>BDC /T1_1 1 Tf 13.04 0 0 13.04 102.24 486.24 Tm (910 F.2d 1028 \(2d Cir. 1990\) . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . 48\001 )Tj 9.6 0 0 9.6 43.44 475.44 Tm (11\001 )Tj EMC /P <>BDC 12.81 0 0 12.81 67.68 464.16 Tm (Sunshine Art Studios, Inc. v. FTC, )Tj EMC /P <>BDC /T1_2 1 Tf 12.14 0 0 12.14 43.44 453.36 Tm (1 2 48 1 F.2 d 1 1 7 1 \(5 th C ir. 1 973\).. . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . . . . . . . 3 5\001 )Tj EMC /P <>BDC 12.7 0 0 12.7 43.44 431.28 Tm (13 United States v. First Natl City Bank,)Tj EMC /P <>BDC /T1_1 1 Tf 13.37 0 0 13.37 102.24 420.24 Tm (379 U.S. 378 \(l965\). .. . . . . . . . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . . . 47\001 )Tj 10.8 0 0 10.8 43.44 409.44 Tm (14\001 )Tj 12.94 0 0 12.94 68.88 398.16 Tm (United States v. Laerdal Mfg. Corp.,\001)Tj EMC /P <>BDC /T1_2 1 Tf 12.97 0 0 12.97 43.44 387.36 Tm (15 73 F .3d 852 \(9th Cir. 1995\).. . . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . . . . 27\001 )Tj EMC /P <>BDC /T1_0 1 Tf 9.69 0 0 9.69 43.44 365.28 Tm (16 United States v. Odessa Union Warehouse Co-op,\001)Tj EMC /P <>BDC /T1_1 1 Tf 13.03 0 0 13.03 102.48 354.24 Tm (833 F. 2d 172 \(9th Cir. 1987\) . . . . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . 28, 29\001 )Tj 10.56 0 0 10.56 43.44 343.44 Tm (17\001 )Tj EMC /P <>BDC /T1_2 1 Tf 11.62 0 0 11.62 69.12 332.16 Tm (Waffenschmidt v. Mackay,\001)Tj 12.32 0 0 12.32 43.44 321.36 Tm (1 8 763 F.2 d 7 1 1 \(5 th C ir. 1 985\). . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . . . . . . . 47\001 )Tj EMC /P <>BDC /T1_1 1 Tf 10.56 0 0 10.56 43.44 299.28 Tm (19\001 )Tj 12.77 0 0 12.77 262.08 288 Tm (STATUTES\001 )Tj 12 0 0 12 42.24 277.2 Tm (20\001 )Tj 13.17 0 0 13.17 69.12 266.4 Tm (15 U.S.C. \247 41. . . . . . . . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . . . . . . . . . .2\001 )Tj 10.8 0 0 10.8 42.24 255.12 Tm (21\001 )Tj 13.16 0 0 13.16 69.12 244.32 Tm (15 U.S.c. \247 45. . . . . . . . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . . 1, 2, 22, 29\001 )Tj 11.76 0 0 11.76 42.24 233.28 Tm (22\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.07 0 0 12.07 69.12 222.24 Tm (15 U.S.C. \247 53. . . . . . . . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . . . . .2,5,27\001 )Tj /T1_1 1 Tf 11.28 0 0 11.28 42.24 211.2 Tm (23\001 )Tj EMC /P <>BDC 13.1 0 0 13.1 67.92 200.16 Tm (28 U.S.C. \247 1331. . . . . . . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . . . . . . . . . 5\001)Tj 12 0 0 12 42.24 189.12 Tm (24\001 )Tj EMC /P <>BDC 13.2 0 0 13.2 67.92 178.32 Tm (28 U.S.C. \247 1337. . . . . . . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . . . . . . . . .5\001 )Tj 11.52 0 0 11.52 42.24 167.04 Tm (25\001 )Tj EMC /P <>BDC 13.1 0 0 13.1 67.92 156.24 Tm (28 U.S.C. \247 1345. . . . . . . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . . . . . . . . . 5\001)Tj 12 0 0 12 42.24 145.2 Tm (26\001 )Tj EMC /P <>BDC 13.12 0 0 13.12 67.92 134.16 Tm (Fed. 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P. 26.. . . . . . . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . . . . 28,48\001 )Tj 11.76 0 0 11.76 42.24 101.04 Tm (28\001 )Tj EMC /Artifact <>BDC 11.11 0 0 11.11 289.92 75.12 Tm (vi\001 )Tj EMC ET endstream endobj 2441 0 obj <> endobj 2442 0 obj <> endobj 2443 0 obj <> endobj 2444 0 obj <> endobj 2445 0 obj <>stream H\0E/gE|@b .bڪ7" ! }}_ ±+_}7x41]/1&sL/Li&a(|~y߷ϼxw5ISghIcן/~]6 oX!ݼoL$K`J4:ПRvgm+Rf6̱՛mgvV <<)&X+!(PT +G *4 $@K ( ; ( ( ( ( ( ( ( ( ( ( ( ( ( (**fs(s!l%qAY΂$,,#PD~džjGM7EA7ήdHXlЍD Fb-\¢kU߳ _,r˯sGʀ\#%0a/{%{K9y){yUγ_Ѻg/ x>98\8>Tc_2"elqJu}e)?E.c endstream endobj 2446 0 obj [1/space] endobj 2447 0 obj <> endobj 2448 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 2449 0 obj [1/space] endobj 2450 0 obj <> endobj 2451 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 2452 0 obj [1/space] endobj 2453 0 obj <> endobj 2454 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 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 12.66 0 0 12.66 49.92 695.76 Tm (1 FTC v. SlimAmerica, Inc., )Tj 12.02 0 0 12.02 102.24 684.48 Tm (77 F. Supp. 2d 1263 \(S.D. Fla. 1999\). . . . . . . . . . . . . . . . . \ . . . . . . . . . . . .30,35 )Tj EMC /P <>BDC /T1_1 1 Tf 10.56 0 0 10.56 48.72 673.68 Tm (2\001 )Tj 12.81 0 0 12.81 67.44 662.64 Tm (FTC v. Southwest Sunsites, Inc.,\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.12 0 0 13.12 48.96 651.36 Tm (3 665 F.2d 711 \(5th Cir. 1982\).. . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . 27\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.41 0 0 13.41 48.72 629.52 Tm (4 FTC v. Standard Educ. Soc 'y,)Tj EMC /P <>BDC 13.38 0 0 13.38 102.24 618.48 Tm (302 U.S. 112 \(l937\). .. . . . . . . . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . . . 34\001 )Tj EMC /P <>BDC 9.6 0 0 9.6 48.96 607.44 Tm (5\001 )Tj EMC /P <>BDC 12.71 0 0 12.71 67.44 596.64 Tm (FTC v. Think Achievement Corp.,)Tj EMC /P <>BDC /T1_0 1 Tf 12.42 0 0 12.42 48.96 585.36 Tm (6 3 12 F. 3 d 259 \(7 th C ir. 2002\). . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . . . . 3 1\001 )Tj EMC /P <>BDC 0 -1.778 TD (7 FTC v. Think Achievement Corp.,)Tj EMC /P <>BDC /T1_1 1 Tf 13.09 0 0 13.09 103.2 552.72 Tm (144 F. Supp. 2d 993 \(N.D. Ind. 2000\).. . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . 35\001 )Tj EMC /P <>BDC 9.6 0 0 9.6 49.2 541.2 Tm (8\001 )Tj EMC /P <>BDC 12.77 0 0 12.77 67.44 530.64 Tm (FTC v. Thomsen-King & Co.,)Tj EMC /P <>BDC /T1_0 1 Tf 13.12 0 0 13.12 48.96 519.36 Tm (9 109 F.2d 516 \(7th Cir. 1940\).. . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . 40\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.56 0 0 13.56 43.44 497.52 Tm (10 FTC v. Transnet Wireless Corp.,)Tj EMC /P <>BDC /T1_0 1 Tf 11.93 0 0 11.93 102.24 486.24 Tm (506 F. Supp. 2d 1247 \(S.D. Fla. 2007\). . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . .38\001 )Tj EMC /P <>BDC /T1_1 1 Tf 9.6 0 0 9.6 43.44 475.44 Tm (11\001 )Tj EMC /P <>BDC 13.45 0 0 13.45 67.44 464.4 Tm (FTC v. u.s. Oil & Gas Corp., )Tj 10.56 0 0 10.56 43.44 453.36 Tm (12 )Tj /T1_2 1 Tf 10.39 0 0 10.39 102.24 453.12 Tm (748F.2d 1431 \(lIthCir. 1984\)..................................27,28 )Tj EMC /P <>BDC /T1_1 1 Tf 14.01 0 0 14.01 43.44 431.28 Tm (13 FTC v. u.s. Oil & Gas Corp.,)Tj EMC /P <>BDC 13.15 0 0 13.15 101.52 420.24 Tm (No. 83-1702, 1987 U.S. District LEXIS 16137 \(S.D. Fla. July 10, 1987\).\ . . . 35\001 )Tj 10.8 0 0 10.8 43.44 409.44 Tm (14\001 )Tj 12.94 0 0 12.94 67.44 398.4 Tm (FTC v. US Sales Corp.,\001)Tj EMC /P <>BDC /T1_0 1 Tf 13.09 0 0 13.09 43.44 387.36 Tm (15 785 F. Supp. 737 \(N.D. IlL. 1992\). . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . .32\001 )Tj EMC /P <>BDC 12.4 0 0 12.4 43.44 365.28 Tm (16 FTC v. USA Bevs., Inc., )Tj EMC /P <>BDC /T1_1 1 Tf 13.33 0 0 13.33 101.52 354.24 Tm (No. 61682,2005 WL 5654219 \(S.D. Fla. Dec. 5,2005\).. . . . . . . . . . \ . . . . . . . 45\001 )Tj 10.56 0 0 10.56 43.44 343.44 Tm (17\001 )Tj EMC /P <>BDC /T1_0 1 Tf 11.76 0 0 11.76 67.44 332.4 Tm (FTC v. Warner Commc 'n,\001)Tj 13.07 0 0 13.07 43.44 321.36 Tm (18 742 F.2d 1156 \(9th Cir. 1984\).. . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . . . 40\001 )Tj EMC /P <>BDC 12.48 0 0 12.48 43.44 299.28 Tm (19 FTC v. World Travel Vacation Brokers, Inc., )Tj EMC /P <>BDC /T1_1 1 Tf 13.14 0 0 13.14 102.48 288 Tm (861 F.2d 1020 \(7th Cir. 1988\).. . . . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . 44, 46\001)Tj 12 0 0 12 42.24 277.2 Tm (20\001 )Tj 12.94 0 0 12.94 67.44 266.4 Tm (FTC v. 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Corp.,\001)Tj 12.14 0 0 12.14 102.24 552.48 Tm (991 F.2d 71 \(3d Cir. 1993\). . . . . . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . .. 44\001 )Tj EMC /P <>BDC /T1_2 1 Tf 9.6 0 0 9.6 49.2 541.2 Tm (8\001 )Tj 12.79 0 0 12.79 68.4 530.4 Tm (CFTC v. British Am. Commodity Options Corp.,\001)Tj EMC /P <>BDC /T1_1 1 Tf 13.37 0 0 13.37 48.96 519.36 Tm (9 560 F.2d 135 \(2d. Cir. 1977\).. . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . .. 40\001 )Tj EMC /P <>BDC 12.48 0 0 12.48 43.44 497.52 Tm (10 Delaware Watch Co. v. FTC,\001 )Tj 12.12 0 0 12.12 102.24 486.24 Tm (332 F.2d 745 \(2d Cir. 1964\). . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . .. 35\001 )Tj EMC /P <>BDC /T1_2 1 Tf 9.6 0 0 9.6 43.44 475.44 Tm (11\001 )Tj EMC /P <>BDC 13.17 0 0 13.17 67.44 464.4 Tm (Fed. Express Corp. v. Fed. Espresso, Inc.,)Tj EMC /P <>BDC /T1_1 1 Tf 13.69 0 0 13.69 43.44 453.36 Tm (12 No. 97CV1219RSPGJD, 1997 WL 736530 \(N.D.N.Y. 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. . . . \ .. 31\001 )Tj EMC /P <>BDC /T1_0 1 Tf 9.12 0 0 9.12 48.96 651.36 Tm (3\002 )Tj 11.2 0 0 11.2 135.84 651.6 Tm (2. )Tj 13.01 0 0 13.01 169.92 651.6 Tm (The Corporate and Individual Defendants are Subject to\001)Tj 13.58 0 0 13.58 169.68 640.56 Tm (Joint and Several Liability. .. . . . . . . . . . . . . . . . . . . . . \ . . . . .. 35\001 )Tj 11.04 0 0 11.04 48.72 629.52 Tm (4\001 )Tj EMC /P <>BDC 10.72 0 0 10.72 169.92 618.72 Tm (a. )Tj 13 0 0 13 203.76 618.72 Tm (The Corporate Defendants are Liable as a Common)Tj EMC /P <>BDC /T1_1 1 Tf 12.09 0 0 12.09 203.52 607.68 Tm (Enterprise. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . \ . . . . .. 35\001 )Tj EMC /P <>BDC /T1_0 1 Tf 10.56 0 0 10.56 48.96 585.36 Tm (6 )Tj 11.52 0 0 11.52 169.44 585.36 Tm (b. )Tj 13.04 0 0 13.04 203.52 585.6 Tm (Defendants Dean Shafer, Bernadette Perry and Tony\001)Tj 13.02 0 0 13.02 203.52 574.56 Tm (Perry Can Be Held Individually Liable for the Acts\001)Tj 10.08 0 0 10.08 48.96 563.28 Tm (7 )Tj 13.36 0 0 13.36 203.76 563.52 Tm (and Practices of the Enterprise. . . . . . . . . . . . . . . . . . . .. \ 37\001 )Tj EMC /P <>BDC 9.6 0 0 9.6 49.2 541.2 Tm (8 )Tj 10.88 0 0 10.88 136.08 541.2 Tm (3. )Tj /T1_2 1 Tf 8.92 0 0 8.92 169.92 541.44 Tm (The Balance of Equities Favors Issuance of An Injunction. . .. 40\001 )Tj /T1_0 1 Tf 10.08 0 0 10.08 48.96 519.36 Tm (9 )Tj 14.87 0 0 14.87 102.24 519.36 Tm (c. )Tj 13.05 0 0 13.05 135.84 519.6 Tm (Injunctive Relief Prohibiting Future Misrepresentations and\001)Tj EMC /P <>BDC /T1_1 1 Tf 12.13 0 0 12.13 136.08 508.32 Tm (Collection of Advance Fees is Warranted.. . . . . . . . . . . . . . . . \ . . . . .. 40\001 )Tj EMC /P <>BDC /T1_0 1 Tf 11.6 0 0 11.6 102 486.48 Tm (D. )Tj 13.04 0 0 13.04 135.6 486.48 Tm (An Asset Preservation Order is Necessary to Preserve the)Tj EMC /P <>BDC 9.6 0 0 9.6 43.44 475.44 Tm (11 )Tj /T1_1 1 Tf 12.4 0 0 12.4 135.84 475.44 Tm (Possibility of Final Effective Relief. . . . . . . . . . . . . . . . . .\ . . . . . . . .. 44\001 )Tj /T1_0 1 Tf 10.56 0 0 10.56 43.44 453.36 Tm (12 )Tj 11.43 0 0 11.43 102 453.36 Tm (E. )Tj /T1_1 1 Tf 12.15 0 0 12.15 135.84 453.36 Tm (Limited Expedited Discovery is Necessary.. . . . . . . . . . . . . . . .\ . . . .. 48\001 )Tj EMC /P <>BDC /T1_2 1 Tf 10.83 0 0 10.83 43.44 431.52 Tm (13 Conclusion......................................................... 5\ 0\001 )Tj EMC /P <>BDC /T1_0 1 Tf 10.8 0 0 10.8 43.44 409.44 Tm (14\001 )Tj EMC /P <>BDC 0 -4.089 TD (16\001 )Tj 10.56 0 0 10.56 43.44 343.44 Tm (17\001 )Tj 0 -2.091 TD (18\001 )Tj T* (19\001 )Tj EMC /P <>BDC 10.8 0 0 10.8 42.24 255.12 Tm (21\001 )Tj 11.76 0 0 11.76 42.24 233.28 Tm (22\001 )Tj 11.28 0 0 11.28 42.24 211.2 Tm (23\001 )Tj 12 0 0 12 42.24 189.12 Tm (24\001 )Tj EMC /P <>BDC 0 -3.66 TD (26\001 )Tj 11.76 0 0 11.76 42.24 123.12 Tm (27\001 )Tj 0 -1.878 TD (28\001 )Tj EMC /Artifact <>BDC 5.52 0 0 5.52 290.4 75.36 Tm (11\001 )Tj EMC ET endstream endobj 2498 0 obj <> endobj 2499 0 obj <> endobj 2500 0 obj <> 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endobj 2511 0 obj <> endobj 2512 0 obj <> endobj 2513 0 obj <> endobj 2514 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 9.6 0 0 9.6 48.96 607.44 Tm (5)Tj 10.8 0 0 10.8 43.44 497.52 Tm (10)Tj 10.32 0 0 10.32 43.44 387.36 Tm (15)Tj 12 0 0 12 42.24 277.2 Tm (20)Tj 11.52 0 0 11.52 42.24 167.04 Tm (25)Tj EMC /Artifact <>BDC 6.24 0 0 6.24 49.92 695.76 Tm (1\001 )Tj EMC /Artifact <>BDC 12.96 0 0 12.96 226.56 695.76 Tm (TABLE OF CONTENTS )Tj EMC /P <>BDC 10.56 0 0 10.56 48.72 673.68 Tm (2\001 )Tj EMC /P <>BDC 13.26 0 0 13.26 67.92 662.64 Tm (INTRODUCTION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . . . . .. 1\001 )Tj EMC /P <>BDC 9.12 0 0 9.12 48.96 651.36 Tm (3\001 )Tj EMC /P <>BDC 12.27 0 0 12.27 67.92 640.56 Tm (i. )Tj 13.39 0 0 13.39 102.24 640.8 Tm (THE PARTIES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . . . . . . .. 2\001 )Tj 11.04 0 0 11.04 48.72 629.52 Tm (4\001 )Tj EMC /P <>BDC 13.96 0 0 13.96 101.76 618.72 Tm (A. Plaintiff. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . . . .. 2\001 )Tj EMC /P <>BDC 13.97 0 0 13.97 102 596.64 Tm (B. Defendants.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . . . . .. 2\001 )Tj 10.56 0 0 10.56 48.96 585.36 Tm (6\001 )Tj EMC /P <>BDC 11.79 0 0 11.79 67.92 574.56 Tm (II. )Tj 13.35 0 0 13.35 102 574.32 Tm (JURISDICTION AND VENUE. . . . . . . . . . . . . . . . . . . . . . . . . \ . . . . . . . . . .. 5\001 )Tj 10.08 0 0 10.08 48.96 563.28 Tm (7\001 )Tj EMC /P <>BDC 12.1 0 0 12.1 67.92 552.72 Tm (III. )Tj /T1_1 1 Tf 12.69 0 0 12.69 102 552.72 Tm (BACKGROUND ON THE MORTGAGE FORECLOSURE CRISIS.. . . . .. 5\001 )Tj /T1_0 1 Tf 9.6 0 0 9.6 49.2 541.2 Tm (8\001 )Tj EMC /P <>BDC 12.14 0 0 12.14 67.92 530.64 Tm (IV. )Tj /T1_1 1 Tf 12.55 0 0 12.55 102 530.64 Tm (DEFENDANTS' DECEPTIVE PRACTICES. . . . . . . . . . . . . . . . . . . . .\ . . .. 6\001 )Tj /T1_0 1 Tf 10.08 0 0 10.08 48.96 519.36 Tm (9\001 )Tj EMC /P <>BDC /T1_2 1 Tf 9.93 0 0 9.93 101.76 508.56 Tm (A. Defendants Misrepresent that They Wil Obtain a Loan\001)Tj EMC /P <>BDC /T1_0 1 Tf 13.34 0 0 13.34 135.84 497.52 Tm (Modification or Stop Foreclosure in All or Virtually All Instances. . ..\ 8\001 )Tj EMC /P <>BDC 9.6 0 0 9.6 43.44 475.44 Tm (11\002 )Tj /T1_1 1 Tf 12.82 0 0 12.82 137.04 475.44 Tm (1. Defendants Falsely Claim a High Probability of Success.. . . . .. 8\001\ )Tj EMC /P <>BDC /T1_0 1 Tf 10.56 0 0 10.56 43.44 453.36 Tm (12\002 )Tj /T1_2 1 Tf 9.84 0 0 9.84 135.84 453.36 Tm (2. Defendants Deceptively Promise Attractive Lender\001)Tj /T1_0 1 Tf 13.37 0 0 13.37 169.92 442.32 Tm (Concessions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . \ . . . . . . . . .. 10\001 )Tj 10.08 0 0 10.08 43.44 431.28 Tm (13\001 )Tj EMC /P <>BDC /T1_2 1 Tf 9.75 0 0 9.75 136.08 420.24 Tm (3. Defendants Falsely Claim that Consumers' Modifications\001 )Tj /T1_0 1 Tf 10.8 0 0 10.8 43.44 409.44 Tm (14 )Tj /T1_2 1 Tf 10.54 0 0 10.54 169.68 409.44 Tm (Have Been "Approved". .............................. 12\001 )Tj EMC /P <>BDC 9.85 0 0 9.85 135.84 387.36 Tm (4. Defendants Make Various Other Misrepresentations to\001)Tj EMC /P <>BDC /T1_0 1 Tf 13.38 0 0 13.38 169.68 376.32 Tm (Entice Consumers to Pay an Up-Front Fee.. . . . . . . . . . . . . . .. 1\ 3\001 )Tj 10.8 0 0 10.8 43.44 365.28 Tm (16\001 )Tj EMC /P <>BDC /T1_2 1 Tf 9.4 0 0 9.4 136.08 354.24 Tm (5. After Collecting the Fee, Defendants Become Difficult to\001)Tj EMC /P <>BDC /T1_0 1 Tf 10.56 0 0 10.56 43.44 343.44 Tm (17\002 )Tj 13.02 0 0 13.02 169.68 343.44 Tm (Reach and Often Fail to Obtain Promised Loan )Tj EMC /P <>BDC /T1_1 1 Tf 12.27 0 0 12.27 169.68 332.4 Tm (Modifications. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . .. 18\001 )Tj EMC /P <>BDC /T1_0 1 Tf 10.56 0 0 10.56 43.44 321.36 Tm (18\001 )Tj EMC /P <>BDC /T1_2 1 Tf 9.85 0 0 9.85 102 310.32 Tm (B. Defendants Falsely Promise Refunds if They Do Not Obtain\001 )Tj EMC /P <>BDC /T1_0 1 Tf 10.56 0 0 10.56 43.44 299.28 Tm (19\002 )Tj /T1_1 1 Tf 12.15 0 0 12.15 135.84 299.28 Tm (Loan Modifications. . . . . . . . . . . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . .. 19\001 )Tj EMC /P <>BDC /T1_2 1 Tf 9.88 0 0 9.88 102.24 276.96 Tm (C. Defendants Mislead Consumers Into Believing That Defendants\001)Tj EMC /P <>BDC /T1_1 1 Tf 12.09 0 0 12.09 135.6 266.4 Tm (Are Consumers' Lender or Servicer. . . . . . . . . . . . . . . . . . . .\ . . . . . .. 21\001 )Tj EMC /P <>BDC /T1_0 1 Tf 10.8 0 0 10.8 42.24 255.12 Tm (21\001 )Tj EMC /P <>BDC 12.1 0 0 12.1 67.68 244.08 Tm (V. )Tj 13.31 0 0 13.31 102 244.32 Tm (LEGAL ANALYSIS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . \ . . . . . . . . . . . . . .. 26\001 )Tj 11.76 0 0 11.76 42.24 233.28 Tm (22\001 )Tj EMC /P <>BDC 13.93 0 0 13.93 101.76 222.24 Tm (A. The Court is Authorized to Grant the Requested Relief. . . . . . . . \ . . .. 26\001 )Tj 11.28 0 0 11.28 42.24 211.2 Tm (23\001 )Tj EMC /P <>BDC 13.78 0 0 13.78 102 200.16 Tm (B. The FTC Has Met the Standard for Issuance of a Temporary\001)Tj 12 0 0 12 42.24 189.12 Tm (24 )Tj /T1_1 1 Tf 12.11 0 0 12.11 135.84 189.12 Tm (Restraining Order. . . . . . . . . . . . . . . . . . . . . . . . . . . .\ . . . . . . . . . . . .. 28\001 )Tj EMC /P <>BDC 12.94 0 0 12.94 137.04 167.04 Tm (1. The FTC is Likely to Succeed on the Merits. . . . . . . . . . . . . .\ . 29\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12 0 0 12 42.24 145.2 Tm (26\002 )Tj /T1_2 1 Tf 9.91 0 0 9.91 169.92 145.2 Tm (a. Defendants Falsely Promise to Obtain Loan)Tj EMC /P <>BDC /T1_1 1 Tf 12.29 0 0 12.29 203.52 134.16 Tm (Modifications. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\ . . .. 30\001 )Tj EMC /P <>BDC /T1_0 1 Tf 11.76 0 0 11.76 42.24 123.12 Tm (27\001 )Tj EMC /P <>BDC /T1_2 1 Tf 9.58 0 0 9.58 169.44 111.84 Tm (b. 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\255)Tj EMC /P <>BDC 33.15 0 0 33.15 510.72 449.28 Tm (r)Tj EMC /P <>BDC /T1_2 1 Tf 9.14 0 0 9.14 430.08 446.88 Tm (~z;U\) \372J\001)Tj EMC /P <>BDC /T1_0 1 Tf 20.42 0 0 20.42 408.96 444.48 Tm (I:' ~~ ~ )Tj EMC /P <>BDC /T1_2 1 Tf 7.42 0 0 7.42 411.6 438 Tm (I .- -1-,)Tj /T1_0 1 Tf 16.94 0 0 16.94 510.96 439.92 Tm (rr)Tj EMC /P <>BDC /T1_2 1 Tf 9.19 0 0 9.19 430.08 435.12 Tm (:\241'~' -0\001 )Tj EMC /P <>BDC /T1_0 1 Tf 21.13 0 0 21.13 511.68 429.6 Tm (o )Tj EMC /P <>BDC /T1_2 1 Tf 5 0 0 5 438.24 426.24 Tm (-I' \255)Tj EMC /P <>BDC 10.2 0 0 10.2 412.08 425.28 Tm (I -_n-- ..\001)Tj EMC /P <>BDC 42.11 0 0 42.11 296.4 420.24 Tm (\) --- ~\001)Tj EMC /P <>BDC /T1_0 1 Tf 9.36 0 0 9.36 42 378.48 Tm (16 )Tj /T1_2 1 Tf 14.01 0 0 14.01 83.52 378.96 Tm (EXBITS TO PLAINTIFFS MEMORANDUM IN SUPPORL ~ \354~ )Tj EMC /P <>BDC /T1_1 1 Tf 12.85 0 0 12.85 42 357.84 Tm (17 MOTION FOR TEMPORARY RESTRAINING ORDER WITH ASSET FREZE )Tj EMC /P <>BDC /T1_0 1 Tf 13.36 0 0 13.36 42.24 336.96 Tm (18 AND OTHER EQUITABLE RELIEF, AND ORDER TO SHOW CAUSE \\VY A )Tj EMC /P <>BDC /T1_2 1 Tf 15.3 0 0 15.3 42.24 316.32 Tm (19 PRELIMINARY INJUNCTION SHOULD NOT ISSUE\001 )Tj EMC /P <>BDC /T1_0 1 Tf 9.36 0 0 9.36 41.76 274.56 Tm (21 )Tj 10.32 0 0 10.32 41.76 253.68 Tm (22 )Tj 9.6 0 0 9.6 42 233.04 Tm (23 )Tj 10.32 0 0 10.32 42 211.92 Tm (24 )Tj EMC /P <>BDC 10.08 0 0 10.08 42.24 170.4 Tm (26 )Tj 0 -2.095 TD (27 )Tj 9.84 0 0 9.84 42.72 128.4 Tm (28 )Tj EMC ET endstream endobj 2534 0 obj <> endobj 2535 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2536 0 obj [1/space] endobj 2537 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2538 0 obj <> endobj 2539 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 2540 0 obj [1/space] endobj 2541 0 obj <> endobj 2542 0 obj <> endobj 2543 0 obj <> endobj 2544 0 obj <> endobj 2545 0 obj <> endobj 2546 0 obj <> endobj 2547 0 obj <> endobj 2548 0 obj <> endobj 2549 0 obj <> endobj 2550 0 obj <> endobj 2551 0 obj <> endobj 2552 0 obj <> endobj 2553 0 obj <> endobj 2554 0 obj <> endobj 2555 0 obj <> endobj 2556 0 obj <> endobj 2557 0 obj <> endobj 2558 0 obj <> endobj 2559 0 obj <> endobj 2560 0 obj <> endobj 2561 0 obj <> endobj 2562 0 obj <> endobj 2563 0 obj <> endobj 2564 0 obj <> endobj 2565 0 obj [407 0 R] endobj 2566 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.27 0 0 13.27 49.92 695.76 Tm (1 preserve assets necessary for consumer redress, Plaintiff 鶹ý Trad\ e Commission )Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 48.72 673.68 Tm (2 \("FTC"\) seeks, under Section 13\(b\) of \001)Tj EMC /P <>BDC /T1_0 1 Tf 13.23 0 0 13.23 271.92 673.68 Tm (the FTC Act, 15 U.S.c. \247 53\(b\), issuance of a )Tj 13.33 0 0 13.33 48.96 651.36 Tm (3 temporary restraining order \("TRO"\) with an asset freeze and an orde\ r to show cause )Tj 13.44 0 0 13.44 48.72 629.52 Tm (4 why a preliminary injunction should not issue. The proposed TRO would \ enjoin )Tj 13.42 0 0 13.42 48.96 607.44 Tm (5 Defendants' ilegal conduct and their collection of advance fees before\ performing )Tj EMC /P <>BDC /T1_1 1 Tf 9.1 0 0 9.1 48.96 585.36 Tm (6 the promised services, preserve assets and documents, and require Defe\ ndants\001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.41 0 0 13.41 48.96 563.28 Tm (7 promptly to report limited information about their business. This reli\ ef is necessary )Tj 13.36 0 0 13.36 49.2 541.2 Tm (8 to prevent continued harm to consumers, dissipation of assets, and des\ truction of )Tj EMC /P <>BDC /T1_2 1 Tf 12.34 0 0 12.34 48.96 519.36 Tm (9 evidence, thereby preserving the Court's ability to provide effective \ final relief to )Tj 12.31 0 0 12.31 43.44 497.52 Tm (10 consumers injured by Defendants' ilegal practices. )Tj EMC /Span <>BDC /T1_1 1 Tf 15.07 0 0 15.07 43.44 475.44 Tm (III.)Tj EMC /Span <>BDC ( THE PARTIES\001 )Tj EMC /P <>BDC /T1_2 1 Tf 23.58 0 0 23.58 43.44 453.36 Tm (12 A. Plaintiff )Tj EMC /P <>BDC /T1_0 1 Tf 14.32 0 0 14.32 43.44 431.28 Tm (13 The FTC is an independent agency of the United States government crea\ ted by )Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 43.44 409.44 Tm (14 the FTC Act. 15 U.S.C. \247 41. The FTC enforces Section 5\(a\) of \001\ )Tj EMC /P <>BDC /T1_0 1 Tf 12.85 0 0 12.85 410.64 409.44 Tm (the FTC Act, 15 )Tj EMC /P <>BDC /T1_2 1 Tf 12.29 0 0 12.29 43.44 387.36 Tm (15 U.S.c. \247 45\(a\), which prohibits unfair or deceptive acts or prac\ tices in or affecting )Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 43.44 365.28 Tm (16 commerce. Section 13\(b\) of \001)Tj EMC /P <>BDC /T1_0 1 Tf 13.16 0 0 13.16 220.56 365.28 Tm (the FTC Act, 15 U.S.c. \247 53\(b\), authorizes the FTC, )Tj EMC /P <>BDC /T1_2 1 Tf 12.2 0 0 12.2 43.44 343.44 Tm (17 through its own attorneys, to initiate federal district court proceed\ ings to enjoin )Tj EMC /P <>BDC /T1_0 1 Tf 13.27 0 0 13.27 43.44 321.36 Tm (18 violations of the FTC Act and secure appropriate equitable relief, in\ cluding rescission )Tj 13.39 0 0 13.39 43.44 299.28 Tm (19 of contracts and restitution, the refund of monies paid, and the disg\ orgement of il\255)Tj 14.34 0 0 14.34 42.24 277.2 Tm (20 gotten gains. )Tj EMC /P <>BDC /T1_1 1 Tf 16.27 0 0 16.27 42.24 255.12 Tm (21 B. Defendants\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.05 0 0 13.05 42.24 233.28 Tm (22 Defendants consist of a group of interconnected individuals and corpo\ rations, )Tj 12.18 0 0 12.18 42.24 211.2 Tm (23 some of which were involved in marketing and brokering mortgage loans\ before )Tj 12.16 0 0 12.16 42.24 189.12 Tm (24 beginning to market mortgage loan modification and foreclosure relief\ services. )Tj EMC /P <>BDC /T1_1 1 Tf 10.37 0 0 10.37 42.24 167.04 Tm (25 Defendant Synergy Financial Management Corporation, doing business un\ der\001 )Tj EMC /P <>BDC 9.29 0 0 9.29 42.24 145.2 Tm (26 the fictitious business names Direct Lender and )Tj EMC /Link <>BDC (DirectLender.Com)Tj EMC /P <>BDC ( \("Synergy" or\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.65 0 0 12.65 42.24 123.12 Tm (27 "Direct Lender"\), is a California corporation. PX 24 \(Redding\), At\ t. A, at 683. Its )Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 42.24 101.04 Tm (28 principal place of \001)Tj EMC /P <>BDC /T1_0 1 Tf 13.04 0 0 13.04 162.48 100.8 Tm (business is 8700 Warner Avenue, Suite 200, Fountain Valley, )Tj EMC /Artifact <>BDC 9.6 0 0 9.6 291.84 75.36 Tm (2 )Tj EMC ET endstream endobj 2567 0 obj <> endobj 2568 0 obj <> endobj 2569 0 obj <> endobj 2570 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2571 0 obj <> endobj 2572 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2573 0 obj [1/space] endobj 2574 0 obj <>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^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 2575 0 obj <> endobj 2576 0 obj <> endobj 2577 0 obj <> endobj 2578 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 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 35.23 0 0 35.23 49.92 695.76 Tm (1 INTRODUCTION\001 )Tj EMC /P <>BDC 9.78 0 0 9.78 48.72 673.68 Tm (2 Defendants target consumers across the country in what for many is the\ ir\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.16 0 0 12.16 48.96 651.36 Tm (3 moment of greatest financial distress - when they are no longer able t\ o afford their )Tj EMC /P <>BDC /T1_2 1 Tf 13.41 0 0 13.41 48.72 629.52 Tm (4 monthly mortgage payments and face the loss of their homes to foreclos\ ure. To )Tj EMC /P <>BDC /T1_1 1 Tf 12.03 0 0 12.03 48.96 607.44 Tm (5 obtain an advance fee, typically $2,500 to $5,500, Defendants deceptiv\ ely tell these )Tj EMC /P <>BDC /T1_2 1 Tf 13.29 0 0 13.29 48.96 585.36 Tm (6 consumers that in all or virtually all cases, Defendants can lower con\ sumers' )Tj 13.4 0 0 13.4 48.96 563.28 Tm (7 mortgage payments and save their homes from foreclosure. Defendants de\ ceptively )Tj 13.3 0 0 13.3 49.2 541.2 Tm (8 claim to be so certain of their ability to get results that, if consum\ ers pay the fee but )Tj EMC /P <>BDC /T1_0 1 Tf 8.99 0 0 8.99 48.96 519.36 Tm (9 do not receive a loan modification, the fee wil be refunded. Defendant\ s also\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.28 0 0 13.28 43.44 497.52 Tm (10 deceptively lead many consumers to believe that Defendants are actual\ ly a )Tj 0 -1.663 TD (1 1 department of the consumers' lender or servicer, or are affiiated wi\ th, working with, )Tj 13.27 0 0 13.27 43.44 453.36 Tm (12 or authorized by the consumers' lender or servicer, and that Defendan\ ts are making )Tj 13.37 0 0 13.37 43.44 431.52 Tm (13 consumers a last-chance offer to save their homes. )Tj EMC /P <>BDC /T1_1 1 Tf 12.95 0 0 12.95 43.44 409.44 Tm (14 The effects of Defendants' deception are devastating for many consume\ rs. )Tj 12.15 0 0 12.15 43.44 387.36 Tm (15 Once Defendants collect their advance fee, they do little, if anythin\ g, to help )Tj 12.18 0 0 12.18 43.44 365.28 Tm (16 consumers obtain a loan modification. They string consumers along, te\ lling them )Tj EMC /P <>BDC /T1_2 1 Tf 13.31 0 0 13.31 43.44 343.44 Tm (17 that a modification is in the works and that consumers need not worry\ about )Tj 13.36 0 0 13.36 43.44 321.36 Tm (18 foreclosure. Yet, Defendants fail to obtain loan modifications in num\ erous cases. )Tj 13.29 0 0 13.29 43.44 299.28 Tm (19 Many consumers have gone into foreclosure while waiting for Defendant\ s to deliver )Tj EMC /P <>BDC /T1_1 1 Tf 12.16 0 0 12.16 42.24 277.2 Tm (20 the promised results. Others have discovered that they could more eff\ ectively )Tj 12.19 0 0 12.19 42.24 255.12 Tm (21 negotiate a loan modification or other workout on their own. When the\ se consumers )Tj 12.04 0 0 12.04 42.24 233.28 Tm (22 request refunds after realizing that Defendants have failed to delive\ r the services or )Tj 12.1 0 0 12.1 42.24 211.2 Tm (23 produce the results they promised, Defendants routinely deny the requ\ ests. Adding )Tj EMC /P <>BDC /T1_2 1 Tf 13.33 0 0 13.33 42.24 189.12 Tm (24 insult to injury, after hiring Defendants, many consumers have lost n\ ot just their )Tj EMC /P <>BDC /T1_1 1 Tf 12.06 0 0 12.06 42.24 167.04 Tm (25 homes, but also the thousands of dollars in up-front fees they paid f\ or Defendants' )Tj EMC /P <>BDC /T1_2 1 Tf 14.17 0 0 14.17 42.24 145.2 Tm (26 false promises. )Tj EMC /P <>BDC /T1_0 1 Tf 5 0 0 5 42.24 123.12 Tm (27 Defendants' practices violate Section 5 of \001)Tj EMC /P <>BDC /T1_2 1 Tf 13.01 0 0 13.01 323.76 123.12 Tm (the 鶹ý Trade Commission Act )Tj 13.62 0 0 13.62 42.24 101.04 Tm (28 \("FTC Act"\), 15 U.S.c. \247 45. 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PX 18 \(Wells\) iiii \ 3-4, at 439. At )Tj EMC /P <>BDC /T1_1 1 Tf 9.03 0 0 9.03 48.72 673.68 Tm (2 the time, the representative had asked Mr. Wells only for his monthly \ mortgage\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.04 0 0 12.04 48.96 651.36 Tm (3 payment, his interest rate, and whether he was current on his payments\ . Id. ii 4, at )Tj EMC /P <>BDC /T1_1 1 Tf 9.11 0 0 9.11 48.72 629.52 Tm (4 439. After hearing these representations, Mr. Wells paid LMS an up-fro\ nt fee of\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.52 0 0 13.52 48.96 607.44 Tm (5 $3,500. Id. ii 10, at 441. He did not receive a loan modification. Id.\ ii 22, at 444-45. )Tj EMC /P <>BDC /T1_0 1 Tf 12.01 0 0 12.01 48.96 585.36 Tm (6 Other consumers have reported similar experiences. See, e.g., PX 14 \(\ Studt\) iiii 3, 12, )Tj EMC /P <>BDC /T1_1 1 Tf 8.87 0 0 8.87 48.96 563.28 Tm (7 at 280, 282 \(without requesting financial information, Direct Lender \ claimed it could\001 )Tj EMC /P <>BDC 9.18 0 0 9.18 49.2 541.2 Tm (8 obtain a 30-year fixed-rate mortgage with 4% interest and $2,300 month\ ly payments,\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.57 0 0 12.57 48.96 519.36 Tm (9 but failed to do so\); PX 05 \(Hall\) iiii 3,10, at 94,95 \(without re\ questing financial )Tj EMC /P <>BDC /T1_2 1 Tf 13.29 0 0 13.29 43.44 497.52 Tm (10 information, Direct Lender claimed it could obtain a lower interest r\ ate, a lower )Tj 13.26 0 0 13.26 43.44 475.44 Tm (11 monthly payment, and a reduction of the mortgage principal amount, bu\ t failed to do )Tj EMC /P <>BDC /T1_1 1 Tf 8.85 0 0 8.85 43.44 453.36 Tm (1 2 so\).\001 )Tj EMC /P <>BDC 10.01 0 0 10.01 43.44 431.52 Tm (13 Defendants have made similar representations to FTC investigators who\ have\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.38 0 0 13.38 43.44 409.44 Tm (14 called LMS's toll-free number. For example, an LMS representative twi\ ce told an )Tj EMC /P <>BDC /T1_0 1 Tf 12.3 0 0 12.3 43.44 387.36 Tm (15 FTC investigator that she had "hit the trifecta" for a loan modificat\ ion, PX 23 )Tj EMC /P <>BDC /T1_2 1 Tf 13.5 0 0 13.5 43.44 365.28 Tm (16 \(Budich\), Att. A, at 642,647, without having asked whether she had \ ajob or any )Tj EMC /P <>BDC /T1_0 1 Tf 11.98 0 0 11.98 43.44 343.44 Tm (17 source of household income at all, or for an estimate of her monthly \ expenses.3 The )Tj 12.22 0 0 12.22 43.44 321.36 Tm (18 representative added that, if the investigator hired LMS, "you'll be \ really pleased" )Tj EMC /P <>BDC /T1_1 1 Tf 9.07 0 0 9.07 43.44 299.28 Tm (19 with the result. Id., at 647. Another LMS telephone representative to\ ld an FTC\001 )Tj EMC /P <>BDC 9.37 0 0 9.37 42.24 277.2 Tm (20 investigator that LMS could reduce his mortgage payments from $2,600 \ per month to\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.13 0 0 13.13 42.24 255.12 Tm (21 $ 1 ,200 per month, reduce the interest rate and principal amount owe\ d, and convert a )Tj EMC /P <>BDC /T1_0 1 Tf 12.24 0 0 12.24 42.24 233.28 Tm (22 variable rate mortgage to a 30-year fixed rate mortgage. PX 22 \(Figu\ eroa\), Att. A, at )Tj EMC /P <>BDC /T1_2 1 Tf 13.32 0 0 13.32 42.24 211.2 Tm (23 591 -92. The representative made these statements without having aske\ d the )Tj 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /P <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj 13.15 0 0 13.15 102 165.84 Tm (3 The representative asked the investigator only: the name of her mortga\ ge )Tj 12 0 0 12 42.24 145.2 Tm (26 )Tj 13.03 0 0 13.03 68.16 145.44 Tm (lender; her interest rate and whether it had increased; her monthly paym\ ent and )Tj EMC /P <>BDC /T1_0 1 Tf 11.68 0 0 11.68 278.4 130.32 Tm (her mortgage; whether her home had lost )Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 42.24 123.12 Tm (27 whether it had increased; the balance of \001)Tj EMC /P <>BDC 9.06 0 0 9.06 67.68 114.96 Tm (value; whether her income had decreased; and whether she had fied for\001\ )Tj EMC /P <>BDC /T1_0 1 Tf 12.71 0 0 12.71 42.24 101.04 Tm (28 bankruptcy. PX 23 \(Budich\), Att. A, at 635-39. )Tj EMC /Artifact <>BDC /T1_2 1 Tf 8.64 0 0 8.64 290.16 75.36 Tm (11 )Tj EMC ET endstream endobj 2794 0 obj <> endobj 2795 0 obj <> endobj 2796 0 obj <> endobj 2797 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 2798 0 obj <> endobj 2799 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2800 0 obj [1/space] endobj 2801 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2802 0 obj <> endobj 2803 0 obj <> endobj 2804 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 9.6 0 0 9.6 48.96 607.44 Tm (5)Tj 10.8 0 0 10.8 43.44 497.52 Tm (10)Tj 10.32 0 0 10.32 43.44 387.36 Tm (15)Tj 12 0 0 12 42.24 277.2 Tm (20)Tj 11.52 0 0 11.52 42.24 167.04 Tm (25)Tj EMC /Artifact <>BDC 6.24 0 0 6.24 49.92 695.76 Tm (1 )Tj EMC /P <>BDC 13.01 0 0 13.01 102 695.76 Tm (Despite Defendants' success rate claims, they have not secured loan )Tj 10.56 0 0 10.56 48.72 673.68 Tm (2 )Tj 13.02 0 0 13.02 67.68 673.68 Tm (modifications for consumers in anything approaching all or virtually all\ instances. )Tj 9.12 0 0 9.12 48.96 651.36 Tm (3 )Tj 13.05 0 0 13.05 67.44 651.36 Tm (Numerous declarants have stated that they did not receive the loan modif\ ication or )Tj 11.04 0 0 11.04 48.72 629.52 Tm (4 )Tj 13.1 0 0 13.1 68.4 629.28 Tm (services they were promised after paying Defendants their up-front fee. \ See PX 14 )Tj EMC /P <>BDC 12.94 0 0 12.94 68.16 605.04 Tm (\(Studt\) ii 12, at 282; PX 05 \(Hall\) ii 10, at 95; PX 16 \(Turley\) i\ i 27, at 293; PX 10 )Tj EMC /StyleSpan <>BDC 10.56 0 0 10.56 48.96 585.36 Tm (6 )Tj EMC /P <>BDC 12.9 0 0 12.9 68.16 582.96 Tm (\(Ruiz\) ii 26, at 198; PX 18 \(Wells\) ii 16, at 443; PX 02 \(Bavadi\) \ iiii 13-14, at 22-23; )Tj 10.08 0 0 10.08 48.96 563.28 Tm (7 )Tj 13.08 0 0 13.08 67.92 563.52 Tm (PX 19 \(White\) ii 25, at 497; PX 06 \(Luke\) ii 26, at 120. In addition\ to these )Tj 9.6 0 0 9.6 49.2 541.2 Tm (8 )Tj 13.02 0 0 13.02 68.16 541.2 Tm (declarants, the FTC has collected complaints from approximately 70 consu\ mers who )Tj 10.08 0 0 10.08 48.96 519.36 Tm (9 )Tj 13.11 0 0 13.11 67.68 519.36 Tm (were dissatisfied with their dealings with Defendants. PX 24 \(Redding\)\ ii 38, at 678. )Tj EMC /P <>BDC 13.04 0 0 13.04 67.68 497.52 Tm (Approximately half of these consumers reported that they signed up with \ Defendants )Tj 9.6 0 0 9.6 43.44 475.44 Tm (11 )Tj 13.26 0 0 13.26 67.68 475.2 Tm (but did not receive the promised results. Id. Further, in direct contrad\ iction to )Tj 10.56 0 0 10.56 43.44 453.36 Tm (12 )Tj 13.03 0 0 13.03 67.92 453.36 Tm (Defendants' oral and written success rate claims, Defendant Dean Shafer,\ the )Tj 10.08 0 0 10.08 43.44 431.28 Tm (13 )Tj 13.04 0 0 13.04 67.92 431.52 Tm (President and co-founder of LMS, admitted in a news interview published \ in late )Tj 10.8 0 0 10.8 43.44 409.44 Tm (14 )Tj 13.13 0 0 13.13 67.92 409.44 Tm (March 2009 that LMS's 97% success rate claim was untrue. Id., Att. W, at\ 1055-61. )Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 67.92 387.36 Tm (Moreover, in an internal em \001)Tj EMC /P <>BDC /T1_0 1 Tf 13.01 0 0 13.01 214.32 387.36 Tm (ail in late May 2009, he wrote that LMS's customers are )Tj 10.8 0 0 10.8 43.44 365.28 Tm (16 )Tj 13.2 0 0 13.2 68.16 365.28 Tm ("now hammering for refunds." PX 21 \(Sibner\), Att. A, at 572. )Tj EMC /P <>BDC 10.56 0 0 10.56 43.44 343.44 Tm (17 )Tj EMC /Span <>BDC /T1_1 1 Tf 10.37 0 0 10.37 135.84 332.4 Tm (2.)Tj EMC /Span <>BDC ( Defendants Deceptively Promise Attractive Lender\001)Tj EMC /P <>BDC /T1_0 1 Tf 10.56 0 0 10.56 43.44 321.36 Tm (18 )Tj 13.3 0 0 13.3 169.92 321.12 Tm (Concessions )Tj 10.56 0 0 10.56 43.44 299.28 Tm (19 )Tj 13.02 0 0 13.02 102 299.28 Tm (In numerous instances, Defendants' phone representatives have led consum\ ers )Tj EMC /P <>BDC 13.04 0 0 13.04 67.92 277.2 Tm (to believe they would receive loan modifications by telling them of attr\ active lender )Tj 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj 13.01 0 0 13.01 68.16 254.88 Tm (concessions or specific loan modification outcomes consumers could expec\ t to )Tj 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj 13.14 0 0 13.14 67.68 233.28 Tm (receive if they hired Direct Lender or LMS. Defendants' representatives \ make these )Tj 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj 13.03 0 0 13.03 68.16 210.96 Tm (claims without possessing sufficient financial information about the con\ sumers to )Tj 12 0 0 12 42.24 189.12 Tm (24 )Tj 13.06 0 0 13.06 67.68 189.12 Tm (know whether the concessions were plausible, and without having contacte\ d )Tj EMC /P <>BDC 13.03 0 0 13.03 68.16 166.8 Tm (consumers' lenders, who actually would have to make the decision whether\ to grant )Tj 12 0 0 12 42.24 145.2 Tm (26 )Tj 12.87 0 0 12.87 68.16 145.2 Tm (any such concessions. )Tj 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj 13.04 0 0 13.04 102 123.12 Tm (In one instance, for example, an LMS phone representative told homeowner\ )Tj 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj 13.02 0 0 13.02 68.16 100.8 Tm (Clifford Wells that LMS could reduce his mortgage payment from approxima\ tely )Tj EMC /Artifact <>BDC 9.6 0 0 9.6 290.16 75.36 Tm (10 )Tj EMC ET endstream endobj 2805 0 obj <> endobj 2806 0 obj <> endobj 2807 0 obj <> endobj 2808 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2809 0 obj [1/space] endobj 2810 0 obj <>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^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 2811 0 obj <> endobj 2812 0 obj <> endobj 2813 0 obj <> endobj 2814 0 obj <> endobj 2815 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 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.1 0 0 13.1 49.92 695.76 Tm (1 loan modification was approved," and reiterating that "\( w Je have a \ proven track )Tj 13.26 0 0 13.26 48.72 673.68 Tm (2 record with a 97% success rate in modifying our customer's \(sicJ loan\ s," id. ii 7 & )Tj 13.4 0 0 13.4 48.96 651.36 Tm (3 Att. D, at 288, 328. To close the deal, the representative attached a \ form to the letter )Tj EMC /P <>BDC /T1_1 1 Tf 9.26 0 0 9.26 48.72 629.52 Tm (4 so that Mr. Turley could authorize payment to LMS of a $5,500 advance \ fee. Id. Mr.\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.37 0 0 12.37 48.96 607.44 Tm (5 Turley paid the fee, id. ii 8, at 288, but LMS failed to obtain a loan\ modification for )Tj EMC /P <>BDC /T1_0 1 Tf 13.37 0 0 13.37 48.96 585.36 Tm (6 him, id. ii 27, at 293. Mr. Turley's home was put in foreclosure, and \ he was left to )Tj EMC /P <>BDC /T1_2 1 Tf 12.47 0 0 12.47 48.96 563.28 Tm (7 negotiate a workout plan with his lender on his own. Id. iiii 27-29,35\ , at 293-94,295. )Tj EMC /P <>BDC /T1_0 1 Tf 13.3 0 0 13.3 49.2 541.2 Tm (8 More than a year after LMS collected its advance fee, it denied Mr. Tu\ rley's request )Tj EMC /P <>BDC /T1_1 1 Tf 9.1 0 0 9.1 48.96 519.36 Tm (9 for a refund, claiming LMS "never guaranteed \(himJ any particular loa\ n modification\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.05 0 0 13.05 43.44 497.52 Tm (10 result." Id., Att. W, at 438. )Tj 13.22 0 0 13.22 43.44 475.44 Tm (11 Numerous other homeowners have similar stories. For example, a )Tj 12.24 0 0 12.24 43.44 453.36 Tm (12 representative of Direct Lender told homeowner Elizabeth Dondi orally\ and in )Tj EMC /P <>BDC /T1_0 1 Tf 13.36 0 0 13.36 43.44 431.52 Tm (13 writing that Direct Lender had a 97% success rate in modifying custom\ ers' loans. PX )Tj 13.5 0 0 13.5 43.44 409.44 Tm (14 04 \(Dondi\) iiii 5, 12 & Att. F, at 45,46,76. Ms. Dondi paid the req\ uested $4,995 fee, )Tj 13.21 0 0 13.21 43.44 387.36 Tm (15 id. ii 13, at 46-47, but Direct Lender failed to obtain a loan modifi\ cation for her, id. ii )Tj 13.39 0 0 13.39 43.44 365.28 Tm (16 22, at 49. Ms. Dondi's home was put in foreclosure, and she was left \ to negotiate a )Tj EMC /P <>BDC /T1_2 1 Tf 12.28 0 0 12.28 43.44 343.44 Tm (17 forbearance agreement on her own. Id. iiii 20, 23, at 48, 49. A Direc\ t Lender )Tj EMC /P <>BDC /T1_0 1 Tf 13.26 0 0 13.26 43.44 321.36 Tm (18 representative also told homeowner Rainy Studt that it had a 100% suc\ cess rate, PX )Tj EMC /P <>BDC /T1_2 1 Tf 12.06 0 0 12.06 43.44 299.28 Tm (19 14 \(Studt\) ii 3, at 280, after which Ms. Studt paid the requested $\ 2,995 fee, id. ii 5, at )Tj 12.44 0 0 12.44 42.24 277.2 Tm (20 281, but did not receive a modification, id. ii 12, at 282. A represe\ ntative ofLMS )Tj EMC /P <>BDC /T1_0 1 Tf 13.27 0 0 13.27 42.24 255.12 Tm (21 told homeowner Clifford Wells that LMS had a 90% success rate, PX 18 \ \(Wells\) ii 4, )Tj 13.29 0 0 13.29 42.24 233.28 Tm (22 at 439, after which Mr. Wells paid the requested $3,500 fee, id. ii 1\ 0, at 441, but did )Tj EMC /P <>BDC /T1_2 1 Tf 12.38 0 0 12.38 42.24 211.2 Tm (23 not receive a modification, id. ii 14, at 442-43.\001 )Tj 13.27 0 0 13.27 42.24 189.12 Tm (24 An LMS representative made a similar claim to an FTC investigator who\ \001 )Tj EMC /P <>BDC /T1_0 1 Tf 13.45 0 0 13.45 42.24 167.04 Tm (25 called LMS's toll-free number in March 2009. The representative told \ the )Tj 13.11 0 0 13.11 42.24 145.2 Tm (26 investigator, "\( w Je have a 93 percent success rate on loan modific\ ations and a full )Tj EMC /P <>BDC /T1_2 1 Tf 12.05 0 0 12.05 42.24 123.12 Tm (27 money back guarantee. So, you called probably the best people in the \ country to do )Tj EMC /P <>BDC /T1_0 1 Tf 13.7 0 0 13.7 42.24 101.04 Tm (28 this for you." PX 23 \(Budich\), Att. A, at 636. )Tj EMC /Artifact <>BDC 9.12 0 0 9.12 292.08 75.12 Tm (9 )Tj EMC ET endstream endobj 2816 0 obj <> endobj 2817 0 obj <> endobj 2818 0 obj <> endobj 2819 0 obj <> endobj 2820 0 obj <>stream H\0E/gE|@b .bڪ7" ! }}_ ±+_}7x41]/1&sL/Li&a(|~y߷ϼxw5ISghIcן/~]6 oX!ݼoL$K`J4:ПRvgm+Rf6̱՛mgvV <<)&X+!(PT +G *4 $@K ( ; ( ( ( ( ( ( ( ( ( ( ( ( ( (**fs(s!l%qAY΂$,,#PD~džjGM7EA7ήdHXlЍD Fb-\¢kU߳ _,r˯sGʀ\#%0a/{%{K9y){yUγ_Ѻg/ x>98\8>Tc_2"elqJu}e)?E.c endstream endobj 2821 0 obj [1/space] endobj 2822 0 obj <> endobj 2823 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2824 0 obj [1/space] endobj 2825 0 obj <>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^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 2826 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 9.6 0 0 9.6 48.96 607.44 Tm (5)Tj 10.8 0 0 10.8 43.44 497.52 Tm (10)Tj 10.32 0 0 10.32 43.44 387.36 Tm (15)Tj 12 0 0 12 42.24 277.2 Tm (20)Tj 11.52 0 0 11.52 42.24 167.04 Tm (25)Tj EMC /Artifact <>BDC 6.24 0 0 6.24 49.92 695.76 Tm (1\001 )Tj EMC /Span <>BDC 12.35 0 0 12.35 101.76 695.76 Tm (A. )Tj EMC /Span <>BDC 14.19 0 0 14.19 135.84 695.76 Tm (Defendants Misrepresent that They Wil Obtain a Loan)Tj EMC /P <>BDC 13.82 0 0 13.82 135.84 684.72 Tm (Modification or Stop Foreclosure in All or Virtually All Instances )Tj EMC /P <>BDC 10.56 0 0 10.56 48.72 673.68 Tm (2\001 )Tj EMC /P <>BDC 13.02 0 0 13.02 102 662.64 Tm (Defendants make numerous misrepresentations to convince consumers that )Tj EMC /P <>BDC 9.12 0 0 9.12 48.96 651.36 Tm (3\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.21 0 0 12.21 67.92 640.8 Tm (Defendants wil secure loan modifications or stop foreclosure in all or v\ irtually all )Tj EMC /P <>BDC /T1_0 1 Tf 11.04 0 0 11.04 48.72 629.52 Tm (4\001 )Tj EMC /P <>BDC 13.03 0 0 13.03 68.16 618.72 Tm (instances, and that a loan modification in the consumer's particular cas\ e is assured or )Tj 13.12 0 0 13.12 67.68 596.4 Tm (virtually assured. Defendants make the majority of these misrepresentati\ ons at the )Tj EMC /P <>BDC 10.56 0 0 10.56 48.96 585.36 Tm (6\001 )Tj EMC /P <>BDC 13.02 0 0 13.02 67.68 574.32 Tm (beginning of the marketing process to extract their advance fee from con\ sumers. )Tj EMC /P <>BDC 10.08 0 0 10.08 48.96 563.28 Tm (7\001 )Tj EMC /P <>BDC 13.03 0 0 13.03 67.92 552.72 Tm (However, even after Defendants have collected their advance fee, they co\ ntinue to )Tj EMC /P <>BDC 9.6 0 0 9.6 49.2 541.2 Tm (8\001 )Tj EMC /P <>BDC 13.04 0 0 13.04 67.68 530.64 Tm (mislead consumers to assuage their concerns about the lack of apparent p\ rogress in )Tj EMC /P <>BDC 10.08 0 0 10.08 48.96 519.36 Tm (9\001 )Tj EMC /P <>BDC 13.02 0 0 13.02 68.16 508.32 Tm (obtaining loan modifications, and thereby to forestall or avoid having t\ o pay refunds. )Tj EMC /Span <>BDC /T1_2 1 Tf 10.2 0 0 10.2 136.56 486.24 Tm (1.)Tj EMC /Span <>BDC ( Defendants Falsely Claim a High Probabilty of Success\001 )Tj EMC /P <>BDC /T1_0 1 Tf 9.6 0 0 9.6 43.44 475.44 Tm (11\001 )Tj EMC /P <>BDC 13.02 0 0 13.02 101.76 464.4 Tm (Among the earliest and most powerful claims Defendants make to foster th\ e )Tj EMC /P <>BDC 10.56 0 0 10.56 43.44 453.36 Tm (12\001 )Tj EMC /P <>BDC 13.04 0 0 13.04 67.68 442.32 Tm (belief that a loan modification is assured or virtually assured is their\ claim that they )Tj EMC /P <>BDC 10.08 0 0 10.08 43.44 431.28 Tm (13\001 )Tj EMC /P <>BDC 13.16 0 0 13.16 67.68 420.48 Tm (have a high success rate - ninety percent or above - in modifying mortga\ ge loans. )Tj EMC /P <>BDC 10.8 0 0 10.8 43.44 409.44 Tm (14\001 )Tj EMC /P <>BDC /T1_1 1 Tf 11.92 0 0 11.92 67.92 398.4 Tm (PX 14 \(Studt\) ii 3, at 280 \(Direct Lender has 100% success rate\); PX\ 04 \(Dondi\) iiii 5, )Tj EMC /P <>BDC /T1_0 1 Tf 13.14 0 0 13.14 69.12 376.32 Tm (12 & Att. F, at 45,46,76 \(Direct Lender has 97% success rate\); PX 16 \(\ Turley\) iiii 4, )Tj EMC /P <>BDC 10.8 0 0 10.8 43.44 365.28 Tm (16\001 )Tj EMC /P <>BDC 13.22 0 0 13.22 69.12 354.48 Tm (15 & Att. D, at 287-88,290,328 \(LMS has 97% success rate\); PX 23 \(Bud\ ich\), Att. )Tj EMC /P <>BDC 10.56 0 0 10.56 43.44 343.44 Tm (17\001 )Tj EMC /P <>BDC 13.02 0 0 13.02 67.68 332.4 Tm (A, at 636 \(LMS has a 93% success rate\); PX 18 \(Wells\) ii 4, at 439 \(\ LMS has 90% )Tj EMC /P <>BDC 10.56 0 0 10.56 43.44 321.36 Tm (18\001 )Tj EMC /P <>BDC 12.93 0 0 12.93 68.4 310.08 Tm (success rate\).2 These claims, which Defendants make both orally and in \ writing, have )Tj EMC /P <>BDC 10.56 0 0 10.56 43.44 299.28 Tm (19\001 )Tj EMC /P <>BDC 13 0 0 13 68.16 288.24 Tm (induced numerous consumers to pay Defendants' up-front fees. )Tj 13.03 0 0 13.03 102 266.4 Tm (For example, a representative of LMS told homeowner Bobby Turley by phon\ e )Tj EMC /P <>BDC 10.8 0 0 10.8 42.24 255.12 Tm (21\001 )Tj EMC /P <>BDC 13.09 0 0 13.09 67.92 244.32 Tm (that LMS had a 97% success rate in modifying customers' loans. PX 16 \(T\ urley\) ii 4, )Tj EMC /P <>BDC 11.76 0 0 11.76 42.24 233.28 Tm (22\001 )Tj EMC /P <>BDC 13.16 0 0 13.16 68.16 222.24 Tm (at 287-88. After Mr. Turley provided LMS with detailed personal and fina\ ncial )Tj EMC /P <>BDC 11.28 0 0 11.28 42.24 211.2 Tm (23\001 )Tj EMC /P <>BDC 12.89 0 0 12.89 68.16 200.16 Tm (information, id. ii 5, at 288, the representative sent him a letter fals\ ely stating, "\(y Jour )Tj EMC /P <>BDC 12 0 0 12 42.24 189.12 Tm (24\001 )Tj EMC /P <>BDC 13.29 0 0 13.29 102 150.72 Tm (2 In addition, Defendants tell many consumers that there is a high)Tj EMC /P <>BDC 12 0 0 12 42.24 145.2 Tm (26\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.45 0 0 12.45 68.16 130.32 Tm (likelihood that their particular modification wil be obtained. PX 05 \(H\ all\) ii 3, at)Tj EMC /P <>BDC /T1_0 1 Tf 11.76 0 0 11.76 42.24 123.12 Tm (27\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.1 0 0 12.1 68.16 114.96 Tm (94; PX 10 \(Ruiz\) ii 4, at 193; PX 02 \(Bavadi\) ii 4, at 20; PX 19 \(W\ hite\) ii 4, at 492\255)Tj EMC /P <>BDC /T1_0 1 Tf 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj 12.87 0 0 12.87 68.16 99.84 Tm (93; PX 06 \(Luke\) ii 5, at 115.\001 )Tj EMC /Artifact <>BDC 8.64 0 0 8.64 292.32 75.12 Tm (8\001 )Tj EMC ET endstream endobj 2827 0 obj <> endobj 2828 0 obj <> endobj 2829 0 obj <> endobj 2830 0 obj <> endobj 2831 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$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2832 0 obj [1/space] endobj 2833 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2834 0 obj <> endobj 2835 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 2836 0 obj [1/space] endobj 2837 0 obj <> endobj 2838 0 obj <> endobj 2839 0 obj <> endobj 2840 0 obj <> endobj 2841 0 obj <> endobj 2842 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.62 0 0 13.62 49.92 695.76 Tm (1 iv. DEFENDANTS' DECEPTIVE PRACTICES\001 )Tj EMC /P <>BDC 10.02 0 0 10.02 48.72 673.68 Tm (2 Defendants make three primary deceptive representations to induce cons\ umers\001 )Tj EMC /P <>BDC 8.64 0 0 8.64 48.96 651.36 Tm (3 to pay up-front fees and enroll in their program. First, they represen\ t that they wil\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.09 0 0 12.09 48.72 629.52 Tm (4 obtain mortgage loan modifications for consumers or stop foreclosure o\ n their homes )Tj EMC /P <>BDC /T1_2 1 Tf 13.41 0 0 13.41 48.96 607.44 Tm (5 in all or virtually all instances. See, e.g., PX 04 \(Dondi\) iiii 5, \ 12 & Att. F, at 45,46, )Tj EMC /P <>BDC /T1_1 1 Tf 12.54 0 0 12.54 48.96 585.36 Tm (6 76; PX 14 \(Studt\) ii 3, at 280; PX 05 \(Hall\) ii 3, at 94; PX 16 \(\ Turley\) iiii 4,7, 15 & )Tj 12.49 0 0 12.49 48.96 563.28 Tm (7 Att. D, at 287-88,290,328; PX 10 \(Ruiz\) ii 4, at 193; PX 13 \(Stewar\ t\) iiii 3-4, at 249\255)Tj 12.32 0 0 12.32 49.2 541.2 Tm (8 50; PX 18 \(Wells\) ii 4, at 439; PX 02 \(Bavadi\) ii 4, at 20; PX 06 \ \(Luke\) ii 5, at 115. )Tj EMC /P <>BDC /T1_0 1 Tf 9.34 0 0 9.34 48.96 519.36 Tm (9 Second, Defendants represent that they wil refund consumers' money if \ Defendants\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.09 0 0 12.09 43.44 497.52 Tm (10 do not succeed in obtaining a loan modification or stopping foreclosu\ re. See, e.g., )Tj 12.41 0 0 12.41 43.44 475.44 Tm (11 PX 14 \(Studt\) ii 4, at 280; PX 10 \(Ruiz\) ii 5, at 193; PX 03 \(Br\ owne\) ii 4 & Att. B, at )Tj 12.43 0 0 12.43 43.44 453.36 Tm (12 27,34; PX 08 \(Osorio\) ii 4, at 170; PX 19 \(White\) ii 4, at 492-93\ ; PX 12 \(Sciutti\) )Tj EMC /P <>BDC /T1_2 1 Tf 13.54 0 0 13.54 43.44 431.28 Tm (13 iiii 5,7 & Att. A, at 212,213,220; PX 23 \(Budich\), Atts. A, F, at 6\ 36,667; PX 24 )Tj EMC /P <>BDC /T1_0 1 Tf 9.4 0 0 9.4 43.44 409.44 Tm (14 \(Redding\), Att. AA, at 1100-05. Third, Defendants lead numerous con\ sumers to\001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.29 0 0 13.29 43.44 387.36 Tm (15 believe that Defendants are the consumers' lender or servicer, or tha\ t they are )Tj EMC /P <>BDC /T1_0 1 Tf 8.81 0 0 8.81 43.44 365.28 Tm (16 affiiated with, working with, or authorized by, the consumers' lender\ or servicer.\001 )Tj EMC /P <>BDC /T1_1 1 Tf 12.57 0 0 12.57 43.44 343.44 Tm (17 See, e.g., PX 16 \(Turley\) iiii 3-4 & Att. A, at 287,298; PX 10 \(Ru\ iz\) ii 2 & Att. A, at )Tj 12.51 0 0 12.51 43.44 321.36 Tm (18 193,200; PX 02 \(Bavadi\) ii 3, at 20; PX 08 \(Osorio\) ii 2 & Att. A\ , at 170,178; PX 01 )Tj EMC /P <>BDC /T1_2 1 Tf 13.34 0 0 13.34 43.44 299.28 Tm (19 \(Anderson\) ii 3 & Att. A, at 1, 6. Defendants make these deceptive \ representations )Tj 13.32 0 0 13.32 42.24 277.2 Tm (20 orally and in writing throughout the marketing and sales process that\ leads up to )Tj EMC /P <>BDC /T1_0 1 Tf 5 0 0 5 42.24 255.12 Tm (21 consumers' payment of \001)Tj EMC /P <>BDC /T1_2 1 Tf 12.93 0 0 12.93 193.68 255.12 Tm (Defendants' up-front fee. )Tj EMC /P <>BDC /T1_1 1 Tf 13 0 0 13 42.24 233.28 Tm (22 Most consumers' first contact with Defendants occurs when consumers r\ eceive )Tj EMC /P <>BDC /T1_2 1 Tf 13.43 0 0 13.43 42.24 211.2 Tm (23 Defendants' direct mail solicitation. The solicitation is targeted at\ distressed )Tj EMC /P <>BDC /T1_1 1 Tf 12.07 0 0 12.07 42.24 189.12 Tm (24 homeowners, whom Defendants identify through mortgage and property da\ ta they )Tj 12.11 0 0 12.11 42.24 167.04 Tm (25 purchase. The overall design of the solicitation deceives many consum\ ers into )Tj EMC /P <>BDC /T1_2 1 Tf 13.32 0 0 13.32 42.24 145.2 Tm (26 believing that they are receiving a notice from their mortgage lender\ or servicer )Tj 13.39 0 0 13.39 42.24 123.12 Tm (27 offering them a last chance to save their home. The letter prominentl\ y includes the )Tj EMC /P <>BDC /T1_0 1 Tf 5 0 0 5 42.24 101.04 Tm (28 name of \001)Tj EMC /P <>BDC /T1_2 1 Tf 13.02 0 0 13.02 113.76 101.04 Tm (the consumer's mortgage lender, specifies the original loan amount, and \ )Tj EMC /Artifact <>BDC 9.6 0 0 9.6 292.08 75.12 Tm (6 )Tj EMC ET endstream endobj 2843 0 obj <> endobj 2844 0 obj <> endobj 2845 0 obj <> endobj 2846 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 2847 0 obj <>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2848 0 obj <> endobj 2849 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 2850 0 obj [1/space] endobj 2851 0 obj <> endobj 2852 0 obj <> endobj 2853 0 obj <> endobj 2854 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 9.6 0 0 9.6 48.96 607.44 Tm (5)Tj 10.8 0 0 10.8 43.44 497.52 Tm (10)Tj 10.32 0 0 10.32 43.44 387.36 Tm (15)Tj 12 0 0 12 42.24 277.2 Tm (20)Tj 11.52 0 0 11.52 42.24 167.04 Tm (25)Tj EMC /P <>BDC 6.24 0 0 6.24 49.92 695.76 Tm (1 )Tj /T1_1 1 Tf 13.38 0 0 13.38 67.92 695.76 Tm (II. JURISDICTION AND VENUE )Tj EMC /P <>BDC /T1_0 1 Tf 10.56 0 0 10.56 48.72 673.68 Tm (2 )Tj 13.01 0 0 13.01 102.24 673.68 Tm (This Court has subject matter jurisdiction over the FTC's claims pursuan\ t to 28 )Tj 9.12 0 0 9.12 48.96 651.36 Tm (3 )Tj /T1_1 1 Tf 5 0 0 5 67.68 651.36 Tm (U.S.c. \247\247 1331, 1337\(a\), and 1345. Personal )Tj /T1_0 1 Tf 13.08 0 0 13.08 308.4 651.36 Tm (jurisdiction over Defendants exists )Tj 11.04 0 0 11.04 48.72 629.52 Tm (4 )Tj 13.36 0 0 13.36 67.68 629.28 Tm (pursuant to the FTC Act. 15 U.S.c. \247 53\(b\). Additionally, venue is \ proper in the )Tj EMC /P <>BDC 13.15 0 0 13.15 68.16 607.44 Tm (Central District of California. Under the FTC Act, an action may be brou\ ght where a )Tj 10.56 0 0 10.56 48.96 585.36 Tm (6 )Tj 13.28 0 0 13.28 68.16 585.36 Tm (corporation or person "resides or transacts business." Id. As noted abov\ e, )Tj 10.08 0 0 10.08 48.96 563.28 Tm (7 )Tj 13.05 0 0 13.05 67.92 563.52 Tm (Defendants do business in this district in Santa Ana and Fountain Valley\ , among )Tj 9.6 0 0 9.6 49.2 541.2 Tm (8 )Tj 12.98 0 0 12.98 68.16 541.2 Tm (other places, which are located in Orange County. )Tj 10.08 0 0 10.08 48.96 519.36 Tm (9 )Tj /T1_1 1 Tf 13.83 0 0 13.83 67.92 519.6 Tm (III. BACKGROUND ON THE MORTGAGE FORECLOSURE CRISIS )Tj EMC /P <>BDC /T1_0 1 Tf 13.03 0 0 13.03 102.24 497.28 Tm (Over the past year and a half, the nation has confronted an unprecedente\ d )Tj 9.6 0 0 9.6 43.44 475.44 Tm (11 )Tj 13.14 0 0 13.14 68.16 475.2 Tm (downturn in the housing and mortgage markets. Home sales and housing sta\ rts are )Tj 10.56 0 0 10.56 43.44 453.36 Tm (12 )Tj /T1_2 1 Tf 11.72 0 0 11.72 68.4 453.12 Tm (stagnant. Home prices are in steep decline, causing many homeowners to o\ we more )Tj /T1_0 1 Tf 10.08 0 0 10.08 43.44 431.28 Tm (13 )Tj 13.14 0 0 13.14 68.16 431.28 Tm (on their mortgages than their homes are worth. Concurrently, mortgage )Tj 10.8 0 0 10.8 43.44 409.44 Tm (14 )Tj 13.12 0 0 13.12 68.16 409.2 Tm (delinquencies and foreclosures have accelerated. The joined effects of f\ alling home )Tj EMC /P <>BDC 13.04 0 0 13.04 67.68 387.36 Tm (prices, resetting adjustable rate mortgages, tighter underwriting standa\ rds, and the )Tj 10.8 0 0 10.8 43.44 365.28 Tm (16 )Tj /T1_2 1 Tf 11.85 0 0 11.85 67.68 365.04 Tm (worsening job market have led to a mortgage credit meltdown. )Tj /T1_0 1 Tf 10.56 0 0 10.56 43.44 343.44 Tm (17 )Tj 13.03 0 0 13.03 102 343.44 Tm (In response to this crisis, numerous mortgage lenders and servicers have\ )Tj 10.56 0 0 10.56 43.44 321.36 Tm (18 )Tj 13.02 0 0 13.02 68.16 321.36 Tm (instituted free programs to assist financially distressed homeowners by \ offering them )Tj 10.56 0 0 10.56 43.44 299.28 Tm (19 )Tj 13.17 0 0 13.17 67.92 299.28 Tm (the opportunity to modify loans that have become unaffordable. The avail\ ability of )Tj EMC /P <>BDC 13.04 0 0 13.04 67.92 277.2 Tm (these "loan modification" programs have expanded dramatically as lenders\ have )Tj 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj 13.04 0 0 13.04 68.16 255.12 Tm (increased participation in the President's "Making Home Affordable" plan\ . )Tj 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj 13.05 0 0 13.05 67.92 233.28 Tm (Moreover, numerous major mortgage lenders and servicers, non-profit and \ )Tj 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj 13.01 0 0 13.01 68.16 210.96 Tm (community-based organizations, the federal government, and the news medi\ a have )Tj 12 0 0 12 42.24 189.12 Tm (24 )Tj 13.02 0 0 13.02 67.68 189.12 Tm (helped publicize the availability of these free mortgage loan modificati\ on programs. )Tj EMC /P <>BDC 13.05 0 0 13.05 67.92 167.04 Tm (Lenders often notify consumers of their eligibility for these programs t\ hrough their )Tj 12 0 0 12 42.24 145.2 Tm (26 )Tj 13.15 0 0 13.15 68.16 145.2 Tm ("loss mitigation" departments. Defendants divert consumers from these fr\ ee )Tj 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj 13.06 0 0 13.06 67.68 123.12 Tm (programs and induce them instead to spend thousands of dollars in up-fro\ nt fees on )Tj 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj 13.08 0 0 13.08 67.92 101.04 Tm (their purported "Loss Mitigation Services." )Tj EMC /Artifact <>BDC 8.64 0 0 8.64 292.08 75.12 Tm (5 )Tj EMC ET endstream endobj 2855 0 obj <> endobj 2856 0 obj <> endobj 2857 0 obj <> endobj 2858 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2859 0 obj <>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mOP86^ ^l( JRRxjZ3Y@h"AT%hPPPPPPPPPPPPPPPPGh9ە\pֹ*p%AYΦ '@Y^vPD (K" \QэuAvЍA7H;<HXlt#:KXQy{6V6kۊEZ<{:r~)H _5r$#r `/d^~-'/e/yk9Z%^~zDyLNx iJKƣ -N :#OɲO tb endstream endobj 2860 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 2861 0 obj <> endobj 2862 0 obj <> endobj 2863 0 obj <> endobj 2864 0 obj <> endobj 2865 0 obj <> endobj 2866 0 obj <> endobj 2867 0 obj <> endobj 2868 0 obj <> endobj 2869 0 obj <> endobj 2870 0 obj <> endobj 2871 0 obj <> endobj 2872 0 obj [408 0 R] endobj 2873 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 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 9.02 0 0 9.02 49.92 695.76 Tm (1 solicitation\). Mr. Shafer is signatory on numerous bank accounts regi\ stered to LMS.\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.45 0 0 13.45 48.72 673.68 Tm (2 PX 24 \(Redding\), Att. N, at 752-64. Mr. Shafer also opened bank acco\ unts, using )Tj 13.33 0 0 13.33 48.96 651.36 Tm (3 LMS's business address, for The National Loss Mitigation Association \(\ "TNLMA"\). )Tj 13.43 0 0 13.43 48.72 629.52 Tm (4 Id., Att. P, at 774. Mr. Shafer is a signatory on the TNLMA bank accou\ nts and listed )Tj EMC /P <>BDC /T1_2 1 Tf 13.16 0 0 13.16 48.96 607.44 Tm (5 an LMS email )Tj EMC /Link <>BDC (addressforhiscontactinformation.ld)Tj EMC /P <>BDC (. i )Tj EMC /P <>BDC /T1_0 1 Tf 10.08 0 0 10.08 48.96 585.36 Tm (6 Defendant Bernadette Perry, a.k.a. Bernadette Carr, co-founded LMS wit\ h\001 )Tj EMC /P <>BDC /T1_2 1 Tf 12.31 0 0 12.31 48.96 563.28 Tm (7 Defendant Dean Shafer. Id., Att. W, at 1055-61. Ms. Perry has a backgr\ ound in )Tj 12.33 0 0 12.33 49.2 541.2 Tm (8 mortgage banking, having worked for Direct Lender prior to 2008. Id.; \ see also PX )Tj EMC /P <>BDC /T1_1 1 Tf 13.42 0 0 13.42 48.96 519.36 Tm (9 03 \(Browne\), Att. B, at 41. Ms. Perry became CEO, CFO, Secretary, an\ d a director )Tj 13.29 0 0 13.29 43.44 497.52 Tm (10 of Direct Lender in late 2007, at approximately the time when Defenda\ nt Direct )Tj EMC /P <>BDC /T1_2 1 Tf 12.34 0 0 12.34 43.44 475.44 Tm (11 Lender was beginning to market loan modifications. PX 24 \(Redding\),\ Att. G, at )Tj 12.35 0 0 12.35 43.44 453.36 Tm (12 701. Ms. Perry also is actively involved in LMS's operations, serving\ as its "Senior )Tj EMC /P <>BDC /T1_1 1 Tf 13.29 0 0 13.29 43.44 431.52 Tm (13 Negotiator" for loan modifications, and interacting with consumers an\ d government )Tj 13.52 0 0 13.52 43.44 409.44 Tm (14 officials on behalfofLMS. PX 03 \(Browne\), Att. B, at 41; PX 16 \(Tu\ rley\) iiii 31-34 )Tj 13.44 0 0 13.44 43.44 387.36 Tm (15 & Atts. T.1-T.4, T.6-T.8, at 294-95,406-16,420-25; PX 20 \(Lockwood\)\ iiii 6-7 & )Tj EMC /P <>BDC /T1_2 1 Tf 13.15 0 0 13.15 43.44 365.28 Tm (16 Att. B, at 540,546.\001 )Tj 13.43 0 0 13.43 43.44 343.44 Tm (17 Defendant Marion Anthony \("Tony"\) Perry, is President and Acting CO\ O of\001 )Tj EMC /P <>BDC /T1_1 1 Tf 13.59 0 0 13.59 43.44 321.36 Tm (18 LMS. PX 03 \(Browne\), Att. B, at 41. He has been a licensed real est\ ate agent in )Tj 13.3 0 0 13.3 43.44 299.28 Tm (19 California, and although his license has expired, LMS has marketed it\ s loan )Tj 13.4 0 0 13.4 42.24 277.2 Tm (20 modification services using his expired license. PX 24 \(Redding\), A\ tt. Y, at 1070-77. )Tj 10.8 0 0 10.8 42.24 255.12 Tm (21 )Tj 11.76 0 0 11.76 42.24 233.28 Tm (22 )Tj 11.28 0 0 11.28 42.24 211.2 Tm (23 )Tj 12 0 0 12 42.24 189.12 Tm (24 )Tj EMC /TD <>BDC 11.52 0 0 11.52 42.24 167.04 Tm (25 )Tj EMC /TD <>BDC 12 0 0 12 42.24 145.2 Tm (26 )Tj EMC /TD <>BDC 13.14 0 0 13.14 102.48 150.72 Tm (i Although TNLMA appears to be substantially controlled by LMS and its )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 123.12 Tm (27 )Tj EMC /TD <>BDC 13.07 0 0 13.07 68.16 130.32 Tm (associates, see infra Part IV.4, TNLMA purports to be an industry associ\ ation, see )Tj /T1_0 1 Tf 5 0 0 5 68.16 114.96 Tm (id., and LMS markets itself )Tj /T1_1 1 Tf 13.35 0 0 13.35 214.56 115.2 Tm (as a "Premier Certified Member ofTNLMA." PX 19 )Tj EMC /TD <>BDC 11.76 0 0 11.76 42.24 101.04 Tm (28 )Tj EMC /TD <>BDC 13.16 0 0 13.16 68.16 97.44 Tm (\(White\), Att. E, at 538; PX 24 \(Redding\), Att. Q, S, at 780,802. )Tj EMC /Artifact <>BDC 10.08 0 0 10.08 291.84 75.36 Tm (4\001 )Tj EMC ET endstream endobj 2874 0 obj <> endobj 2875 0 obj <> endobj 2876 0 obj <> endobj 2877 0 obj <> endobj 2878 0 obj <>stream H\0E/gE|@b .bڪ7" ! }}_ ±+_}7x41]/1&sL/Li&a(|~y߷ϼxw5ISghIcן/~]6 oX!ݼoL$K`J4:ПRvgm+Rf6̱՛mgvV <<)&X+!(PT +G *4 $@K ( ; ( ( ( ( ( ( ( ( ( ( ( ( ( (**fs(s!l%qAY΂$,,#PD~džjGM7EA7ήdHXlЍD Fb-\¢kU߳ _,r˯sGʀ\#%0a/{%{K9y){yUγ_Ѻg/ x>98\8>Tc_2"elqJu}e)?E.c endstream endobj 2879 0 obj [1/space] endobj 2880 0 obj <> endobj 2881 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 2882 0 obj [1/space] endobj 2883 0 obj <> endobj 2884 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 2885 0 obj [1/space] endobj 2886 0 obj <> endobj 2887 0 obj <> endobj 2888 0 obj <> endobj 2889 0 obj <> endobj 2890 0 obj <> endobj 2891 0 obj <> endobj 2892 0 obj <> endobj 2893 0 obj <> endobj 2894 0 obj <> endobj 2895 0 obj <> endobj 2896 0 obj <> endobj 2897 0 obj <> endobj 2898 0 obj <> endobj 2899 0 obj <>stream /Artifact <>BDC q 0 0 0 rg 614.3999939 0 0 792 0 0 cm /Im0 Do Q EMC BT /Artifact <>BDC /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 12.64 0 0 12.64 49.92 695.76 Tm (1 California 92708. Id., Atts. A, I, at 683, 707; PX 04 \(Dondi\), Att. \ B, at 55. Prior to )Tj EMC /P <>BDC /T1_1 1 Tf 9.11 0 0 9.11 48.72 673.68 Tm (2 late 2007, Direct Lender operated primarily as a branch network of mor\ tgage\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.25 0 0 12.25 48.96 651.36 Tm (3 brokerages, resembling a mortgage banking franchisor. PX 24 \(Redding\)\ , Att. V, at )Tj EMC /P <>BDC /T1_2 1 Tf 13.43 0 0 13.43 48.72 629.52 Tm (4 1049-53. In or around late 2007, concurrent with a sharp decline in th\ e mortgage )Tj EMC /P <>BDC /T1_0 1 Tf 12.05 0 0 12.05 48.96 607.44 Tm (5 brokerage market, Direct Lender expanded its operations to include the\ advertising, )Tj EMC /P <>BDC /T1_2 1 Tf 13.1 0 0 13.1 212.88 585.6 Tm (mortgage loan modification and foreclosure relief)Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 48.96 585.36 Tm (6 marketing and/or selling of \001)Tj EMC /P <>BDC 8.94 0 0 8.94 48.96 563.28 Tm (7 services. Id., Att. W, at 1055-61; PX 04 \(Dondi\) ii 2 & Att. A, at 4\ 4,52; PX 14\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.63 0 0 12.63 49.2 541.2 Tm (8 \(Studt\) ii 3, at 280; PX 05 \(Hall\) iiii 2-3 & Att. A, at 94,98-112\ . In or around late )Tj EMC /P <>BDC /T1_2 1 Tf 13.32 0 0 13.32 48.96 519.36 Tm (9 March 2008, Direct Lender informed customers that these "loss mitigati\ on services" )Tj 13.3 0 0 13.3 43.44 497.52 Tm (10 would begin operating under a separate California corporation, Loss M\ itigation )Tj EMC /P <>BDC /T1_0 1 Tf 12.48 0 0 12.48 43.44 475.44 Tm (11 Services, Inc. PX 24 \(Redding\), Att. U, at 1047. )Tj 13.43 0 0 13.43 43.44 453.36 Tm (12 Defendant Loss Mitigation Services, Inc. \("LMS"\) is a California co\ rporation )Tj 12.47 0 0 12.47 43.44 431.28 Tm (13 incorporated on February 13,2008. Id., Att. H, at 704. After purporte\ dly assuming )Tj EMC /P <>BDC /T1_1 1 Tf 5 0 0 5 43.44 409.44 Tm (14 the loan modification operations of \001)Tj EMC /P <>BDC /T1_2 1 Tf 12.98 0 0 12.98 254.88 409.44 Tm (Direct Lender, LMS initially remained at the )Tj 13.27 0 0 13.27 43.44 387.36 Tm (15 same location as Direct Lender and maintained the same personnel and \ phone )Tj EMC /P <>BDC /T1_0 1 Tf 12.62 0 0 12.62 43.44 365.28 Tm (16 numbers. Id., Att. U, at 1047; PX 16 \(Turley\), Att. D, at 328. Addi\ tionally, through )Tj EMC /P <>BDC /T1_1 1 Tf 9.43 0 0 9.43 43.44 343.44 Tm (17 at least May 2008, LMS corresponded with customers using stationery w\ ith emblems\001 )Tj EMC /P <>BDC /T1_0 1 Tf 12.52 0 0 12.52 43.44 321.36 Tm (18 for both LMS and Direct Lender. PX 16 \(Turley\), Att. D, at 328. The\ reafter, and )Tj EMC /P <>BDC /T1_2 1 Tf 13.28 0 0 13.28 43.44 299.28 Tm (19 continuing to the present, LMS maintained its principal place of busi\ ness at 1700 )Tj /T1_0 1 Tf 12.29 0 0 12.29 42.24 277.2 Tm (20 Carnegie Avenue, Suite 250, Santa Ana, California 92705. Id., Att. H.\ 1, at 345; PX )Tj 12.37 0 0 12.37 42.24 255.12 Tm (21 08 \(Osorio\), Att. E, at 189; PX 24 \(Redding\), Att. J, at 734. )Tj EMC /P <>BDC /T1_1 1 Tf 10.49 0 0 10.49 42.24 233.28 Tm (22 Defendant Dean Shafer co-founded LMS with Defendant Bernadette Perry.\ \001 )Tj EMC /P <>BDC /T1_2 1 Tf 13.42 0 0 13.42 42.24 211.2 Tm (23 PX 24 \(Redding\), Att. W, at 1055-61. He initially registered the co\ rporation to his )Tj EMC /P <>BDC /T1_0 1 Tf 11.97 0 0 11.97 42.24 189.12 Tm (24 home address, and listed himself in corporate registration documents \ as CEO, CFO, )Tj EMC /P <>BDC /T1_2 1 Tf 13.62 0 0 13.62 42.24 167.04 Tm (25 Secretary, and a director ofLMS. Id., Att. C, at 688. Mr. Shafer has \ a background in )Tj EMC /P <>BDC /T1_0 1 Tf 12.17 0 0 12.17 42.24 145.2 Tm (26 marketing, and has been credited with creating the direct mail solici\ tation that LMS )Tj 12.26 0 0 12.26 42.24 123.12 Tm (27 has used since late 2007. Id., Att. W, at 1055-61; see also PX 04 \(D\ ondi\), Att. A, at )Tj 12.49 0 0 12.49 42.24 101.04 Tm (28 52 \(early solicitation\); PX 16 \(Turley\), Att. 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> endobj 3846 0 obj <> endobj 3847 0 obj <> endobj 3848 0 obj <> endobj 3849 0 obj <> endobj 3850 0 obj <> endobj 3851 0 obj <> endobj 3852 0 obj <> endobj 3853 0 obj <> endobj 3854 0 obj <> endobj 3855 0 obj <> endobj 3856 0 obj <> endobj 3857 0 obj <> endobj 3858 0 obj <> endobj 3859 0 obj <> endobj 3860 0 obj <> endobj 3861 0 obj <

> endobj 3862 0 obj <> endobj 3863 0 obj <> endobj 3864 0 obj <> endobj 3865 0 obj <> endobj 3866 0 obj <> endobj 3867 0 obj <> endobj 3868 0 obj <> endobj 3869 0 obj <> endobj 3870 0 obj <> endobj 3871 0 obj <> endobj 3872 0 obj <> endobj 3873 0 obj <> endobj 3874 0 obj <> endobj 3875 0 obj <> endobj 3876 0 obj <> endobj 3877 0 obj <> endobj 3878 0 obj <> endobj 3879 0 obj <> endobj 3880 0 obj <

> endobj 3881 0 obj <

> endobj 3882 0 obj <> endobj 3883 0 obj <> endobj 3884 0 obj <> endobj 3885 0 obj <> endobj 3886 0 obj <> endobj 3887 0 obj <> endobj 3888 0 obj <> endobj 3889 0 obj <> endobj 3890 0 obj <> endobj 3891 0 obj <> endobj 3892 0 obj <> endobj 3893 0 obj <> endobj 3894 0 obj <> endobj 3895 0 obj <> endobj 3896 0 obj <> endobj 3897 0 obj <> endobj 3898 0 obj <> endobj 3899 0 obj <

> endobj 3900 0 obj <> endobj 3901 0 obj <> endobj 3902 0 obj <> endobj 3903 0 obj <> endobj 3904 0 obj <> endobj 3905 0 obj <> endobj 3906 0 obj <> endobj 3907 0 obj <> endobj 3908 0 obj <> endobj 3909 0 obj <> endobj 3910 0 obj <> endobj 3911 0 obj <> endobj 3912 0 obj <> endobj 3913 0 obj <> endobj 3914 0 obj <> endobj 3915 0 obj <> endobj 3916 0 obj <> endobj 3917 0 obj <> endobj 3918 0 obj <> endobj 3919 0 obj <> endobj 3920 0 obj <> endobj 3921 0 obj <> endobj 3922 0 obj <> endobj 3923 0 obj <> endobj 3924 0 obj <> endobj 3925 0 obj <> endobj 3926 0 obj <> endobj 3927 0 obj <> endobj 3928 0 obj <> endobj 3929 0 obj <> endobj 3930 0 obj <> endobj 3931 0 obj <> endobj 3932 0 obj <> endobj 3933 0 obj <> endobj 3934 0 obj <> endobj 3935 0 obj <> endobj 3936 0 obj <> endobj 3937 0 obj <> endobj 3938 0 obj <> endobj 3939 0 obj <> endobj 3940 0 obj <> endobj 3941 0 obj <> endobj 3942 0 obj <> endobj 3943 0 obj <> endobj 3944 0 obj <> endobj 3945 0 obj <> endobj 3946 0 obj <> endobj 3947 0 obj <

> endobj 3948 0 obj <

> endobj 3949 0 obj <> endobj 3950 0 obj <> endobj 3951 0 obj <> endobj 3952 0 obj <> endobj 3953 0 obj <> endobj 3954 0 obj <> endobj 3955 0 obj <> endobj 3956 0 obj <> endobj 3957 0 obj <> endobj 3958 0 obj <> endobj 3959 0 obj <> endobj 3960 0 obj <> endobj 3961 0 obj <> endobj 3962 0 obj <> endobj 3963 0 obj <> endobj 3964 0 obj <> endobj 3965 0 obj <> endobj 3966 0 obj <> endobj 3967 0 obj <> endobj 3968 0 obj <> endobj 3969 0 obj <> endobj 3970 0 obj <> endobj 3971 0 obj <

> endobj 3972 0 obj <> endobj 3973 0 obj <> endobj 3974 0 obj <> endobj 3975 0 obj <> endobj 3976 0 obj <> endobj 3977 0 obj <> endobj 3978 0 obj <> endobj 3979 0 obj <

> endobj 3980 0 obj <> endobj 3981 0 obj <> endobj 3982 0 obj <> endobj 3983 0 obj <> endobj 3984 0 obj <> endobj 3985 0 obj <> endobj 3986 0 obj <> endobj 3987 0 obj <> endobj 3988 0 obj <> endobj 3989 0 obj <> endobj 3990 0 obj <> endobj 3991 0 obj <> endobj 3992 0 obj <> endobj 3993 0 obj <> endobj 3994 0 obj <> endobj 3995 0 obj <

> endobj 3996 0 obj <> endobj 3997 0 obj <> endobj 3998 0 obj <> endobj 3999 0 obj <> endobj 4000 0 obj <> endobj 4001 0 obj <> endobj 4002 0 obj <> endobj 4003 0 obj <> endobj 4004 0 obj <> endobj 4005 0 obj <> endobj 4006 0 obj <> endobj 4007 0 obj <> endobj 4008 0 obj <> endobj 4009 0 obj <> endobj 4010 0 obj <> endobj 4011 0 obj <> endobj 4012 0 obj <> endobj 4013 0 obj <> endobj 4014 0 obj <> endobj 4015 0 obj <> endobj 4016 0 obj <> endobj 4017 0 obj <> endobj 4018 0 obj <> endobj 4019 0 obj <> endobj 4020 0 obj <> endobj 4021 0 obj <> endobj 4022 0 obj <> endobj 4023 0 obj <> endobj 4024 0 obj <> endobj 4025 0 obj <> endobj 4026 0 obj <

> endobj 4027 0 obj <> endobj 4028 0 obj <> endobj 4029 0 obj <> endobj 4030 0 obj <> endobj 4031 0 obj <> endobj 4032 0 obj <> endobj 4033 0 obj <> endobj 4034 0 obj <> endobj 4035 0 obj <> endobj 4036 0 obj <> endobj 4037 0 obj <> endobj 4038 0 obj <> endobj 4039 0 obj <> endobj 4040 0 obj <> endobj 4041 0 obj <> endobj 4042 0 obj <> endobj 4043 0 obj <> endobj 4044 0 obj <> endobj 4045 0 obj <

> endobj 4046 0 obj <> endobj 4047 0 obj <> endobj 4048 0 obj <> endobj 4049 0 obj <> endobj 4050 0 obj <> endobj 4051 0 obj <> endobj 4052 0 obj <> endobj 4053 0 obj <> endobj 4054 0 obj <> endobj 4055 0 obj <> endobj 4056 0 obj <> endobj 4057 0 obj <> endobj 4058 0 obj <> endobj 4059 0 obj <> endobj 4060 0 obj <> endobj 4061 0 obj <> endobj 4062 0 obj <> endobj 4063 0 obj <> endobj 4064 0 obj <> endobj 4065 0 obj <

> endobj 4066 0 obj <> endobj 4067 0 obj <> endobj 4068 0 obj <

> endobj 4069 0 obj <> endobj 4070 0 obj <> endobj 4071 0 obj <> endobj 4072 0 obj <> endobj 4073 0 obj <> endobj 4074 0 obj <> endobj 4075 0 obj <> endobj 4076 0 obj <> endobj 4077 0 obj <> endobj 4078 0 obj <> endobj 4079 0 obj <> endobj 4080 0 obj <> endobj 4081 0 obj <> endobj 4082 0 obj <> endobj 4083 0 obj <> endobj 4084 0 obj <> endobj 4085 0 obj <

> endobj 4086 0 obj <> endobj 4087 0 obj <> endobj 4088 0 obj <> endobj 4089 0 obj <> endobj 4090 0 obj <> endobj 4091 0 obj <> endobj 4092 0 obj <> endobj 4093 0 obj <> endobj 4094 0 obj <> endobj 4095 0 obj <> endobj 4096 0 obj <> endobj 4097 0 obj <> endobj 4098 0 obj <> endobj 4099 0 obj <> endobj 4100 0 obj <> endobj 4101 0 obj <

> endobj 4102 0 obj <> endobj 4103 0 obj <> endobj 4104 0 obj <> endobj 4105 0 obj <> endobj 4106 0 obj <> endobj 4107 0 obj <> endobj 4108 0 obj <> endobj 4109 0 obj <> endobj 4110 0 obj <> endobj 4111 0 obj <> endobj 4112 0 obj <> endobj 4113 0 obj <> endobj 4114 0 obj <> endobj 4115 0 obj <> endobj 4116 0 obj <> endobj 4117 0 obj <> endobj 4118 0 obj <> endobj 4119 0 obj <> endobj 4120 0 obj <> endobj 4121 0 obj <> endobj 4122 0 obj <> endobj 4123 0 obj <> endobj 4124 0 obj <> endobj 4125 0 obj <> endobj 4126 0 obj <> endobj 4127 0 obj <

> endobj 4128 0 obj <

> endobj 4129 0 obj <> endobj 4130 0 obj <> endobj 4131 0 obj <> endobj 4132 0 obj <> endobj 4133 0 obj <> endobj 4134 0 obj <> endobj 4135 0 obj <> endobj 4136 0 obj <> endobj 4137 0 obj <> endobj 4138 0 obj <> endobj 4139 0 obj <> endobj 4140 0 obj <

> endobj 4141 0 obj <> endobj 4142 0 obj <> endobj 4143 0 obj <> endobj 4144 0 obj <> endobj 4145 0 obj <> endobj 4146 0 obj <> endobj 4147 0 obj <> endobj 4148 0 obj <> endobj 4149 0 obj <> endobj 4150 0 obj <> endobj 4151 0 obj <> endobj 4152 0 obj <> endobj 4153 0 obj <> endobj 4154 0 obj <> endobj 4155 0 obj <> endobj 4156 0 obj <> endobj 4157 0 obj <> endobj 4158 0 obj <> endobj 4159 0 obj <> endobj 4160 0 obj <> endobj 4161 0 obj <

> endobj 4162 0 obj <

> endobj 4163 0 obj <> endobj 4164 0 obj <> endobj 4165 0 obj <> endobj 4166 0 obj <> endobj 4167 0 obj <> endobj 4168 0 obj <> endobj 4169 0 obj <> endobj 4170 0 obj <> endobj 4171 0 obj <> endobj 4172 0 obj <> endobj 4173 0 obj <> endobj 4174 0 obj <> endobj 4175 0 obj <> endobj 4176 0 obj <> endobj 4177 0 obj <> endobj 4178 0 obj <> endobj 4179 0 obj <> endobj 4180 0 obj <> endobj 4181 0 obj <> endobj 4182 0 obj <> endobj 4183 0 obj <> endobj 4184 0 obj <> endobj 4185 0 obj <> endobj 4186 0 obj <> endobj 4187 0 obj <> endobj 4188 0 obj <> endobj 4189 0 obj <> endobj 4190 0 obj <> endobj 4191 0 obj <> endobj 4192 0 obj <> endobj 4193 0 obj <> endobj 4194 0 obj <> endobj 4195 0 obj <> endobj 4196 0 obj <> endobj 4197 0 obj <> endobj 4198 0 obj <> endobj 4199 0 obj <> endobj 4200 0 obj <> endobj 4201 0 obj <> endobj 4202 0 obj <> endobj 4203 0 obj <> endobj 4204 0 obj <> endobj 4205 0 obj <> endobj 4206 0 obj <> endobj 4207 0 obj <> endobj 4208 0 obj <> endobj 4209 0 obj <> endobj 4210 0 obj <

> endobj 4211 0 obj <> endobj 4212 0 obj <> endobj 4213 0 obj <> endobj 4214 0 obj <> endobj 4215 0 obj <

> endobj 4216 0 obj <> endobj 4217 0 obj <> endobj 4218 0 obj <> endobj 4219 0 obj <> endobj 4220 0 obj <> endobj 4221 0 obj <> endobj 4222 0 obj <> endobj 4223 0 obj <> endobj 4224 0 obj <> endobj 4225 0 obj <> endobj 4226 0 obj <> endobj 4227 0 obj <> endobj 4228 0 obj <> endobj 4229 0 obj <> endobj 4230 0 obj <> endobj 4231 0 obj <> endobj 4232 0 obj <> endobj 4233 0 obj <> endobj 4234 0 obj <> endobj 4235 0 obj <> endobj 4236 0 obj <> endobj 4237 0 obj <

> endobj 4238 0 obj <>3]/P 4217 0 R/Pg 100 0 R/S/Link>> endobj 4239 0 obj <

> endobj 4240 0 obj <> endobj 4241 0 obj <> endobj 4242 0 obj <> endobj 4243 0 obj <> endobj 4244 0 obj <> endobj 4245 0 obj <> endobj 4246 0 obj <> endobj 4247 0 obj <> endobj 4248 0 obj <> endobj 4249 0 obj <> endobj 4250 0 obj <> endobj 4251 0 obj <> endobj 4252 0 obj <> endobj 4253 0 obj <> endobj 4254 0 obj <> endobj 4255 0 obj <> endobj 4256 0 obj <> endobj 4257 0 obj <> endobj 4258 0 obj <> endobj 4259 0 obj <> endobj 4260 0 obj <> endobj 4261 0 obj <

> endobj 4262 0 obj <> endobj 4263 0 obj <> endobj 4264 0 obj <> endobj 4265 0 obj <> endobj 4266 0 obj <> endobj 4267 0 obj <> endobj 4268 0 obj <> endobj 4269 0 obj <

> endobj 4270 0 obj <> endobj 4271 0 obj <> endobj 4272 0 obj <> endobj 4273 0 obj <> endobj 4274 0 obj <> endobj 4275 0 obj <> endobj 4276 0 obj <> endobj 4277 0 obj <> endobj 4278 0 obj <> endobj 4279 0 obj <> endobj 4280 0 obj <> endobj 4281 0 obj <

> endobj 4282 0 obj <> endobj 4283 0 obj <> endobj 4284 0 obj <> endobj 4285 0 obj <> endobj 4286 0 obj <> endobj 4287 0 obj <> endobj 4288 0 obj <> endobj 4289 0 obj <> endobj 4290 0 obj <> endobj 4291 0 obj <> endobj 4292 0 obj <> endobj 4293 0 obj <>3]/P 4272 0 R/Pg 79 0 R/S/Link>> endobj 4294 0 obj <

> endobj 4295 0 obj <> endobj 4296 0 obj <> endobj 4297 0 obj <> endobj 4298 0 obj <> endobj 4299 0 obj <> endobj 4300 0 obj <> endobj 4301 0 obj <> endobj 4302 0 obj <> endobj 4303 0 obj <> endobj 4304 0 obj <> endobj 4305 0 obj <> endobj 4306 0 obj <> endobj 4307 0 obj <> endobj 4308 0 obj <> endobj 4309 0 obj <> endobj 4310 0 obj <> endobj 4311 0 obj <> endobj 4312 0 obj <> endobj 4313 0 obj <> endobj 4314 0 obj <> endobj 4315 0 obj <> endobj 4316 0 obj <

> endobj 4317 0 obj <

> endobj 4318 0 obj <> endobj 4319 0 obj <> endobj 4320 0 obj <> endobj 4321 0 obj <> endobj 4322 0 obj <> endobj 4323 0 obj <> endobj 4324 0 obj <> endobj 4325 0 obj <> endobj 4326 0 obj <> endobj 4327 0 obj <> endobj 4328 0 obj <> endobj 4329 0 obj <> endobj 4330 0 obj <> endobj 4331 0 obj <> endobj 4332 0 obj <> endobj 4333 0 obj <> endobj 4334 0 obj <> endobj 4335 0 obj <> endobj 4336 0 obj <> endobj 4337 0 obj <> endobj 4338 0 obj <> endobj 4339 0 obj <> endobj 4340 0 obj <

> endobj 4341 0 obj <>21]/P 4336 0 R/Pg 65 0 R/S/Link>> endobj 4342 0 obj <> endobj 4343 0 obj <> endobj 4344 0 obj <> endobj 4345 0 obj <> endobj 4346 0 obj <> endobj 4347 0 obj <> endobj 4348 0 obj <> endobj 4349 0 obj <> endobj 4350 0 obj <> endobj 4351 0 obj <> endobj 4352 0 obj <> endobj 4353 0 obj <> endobj 4354 0 obj <> endobj 4355 0 obj <> endobj 4356 0 obj <> endobj 4357 0 obj <> endobj 4358 0 obj <> endobj 4359 0 obj <> endobj 4360 0 obj <

> endobj 4361 0 obj <

> endobj 4362 0 obj <> endobj 4363 0 obj <> endobj 4364 0 obj <> endobj 4365 0 obj <> endobj 4366 0 obj <> endobj 4367 0 obj <> endobj 4368 0 obj <> endobj 4369 0 obj <> endobj 4370 0 obj <> endobj 4371 0 obj <> endobj 4372 0 obj <> endobj 4373 0 obj <

> endobj 4374 0 obj <

> endobj 4375 0 obj <

> endobj 4376 0 obj <> endobj 4377 0 obj <> endobj 4378 0 obj <> endobj 4379 0 obj <> endobj 4380 0 obj <> endobj 4381 0 obj <> endobj 4382 0 obj <> endobj 4383 0 obj <> endobj 4384 0 obj <> endobj 4385 0 obj <> endobj 4386 0 obj <> endobj 4387 0 obj <> endobj 4388 0 obj <> endobj 4389 0 obj <> endobj 4390 0 obj <> endobj 4391 0 obj <> endobj 4392 0 obj <> endobj 4393 0 obj <> endobj 4394 0 obj <> endobj 4395 0 obj <> endobj 4396 0 obj <> endobj 4397 0 obj <> endobj 4398 0 obj <> endobj 4399 0 obj <> endobj 4400 0 obj <> endobj 4401 0 obj <> endobj 4402 0 obj <

> endobj 4403 0 obj <> endobj 4404 0 obj <> endobj 4405 0 obj <> endobj 4406 0 obj <> endobj 4407 0 obj <> endobj 4408 0 obj <> endobj 4409 0 obj <> endobj 4410 0 obj <> endobj 4411 0 obj <> endobj 4412 0 obj <> endobj 4413 0 obj <> endobj 4414 0 obj <> endobj 4415 0 obj <> endobj 4416 0 obj <> endobj 4417 0 obj <> endobj 4418 0 obj <> endobj 4419 0 obj <> endobj 4420 0 obj <> endobj 4421 0 obj <> endobj 4422 0 obj <> endobj 4423 0 obj <> endobj 4424 0 obj <> endobj 4425 0 obj <> endobj 4426 0 obj <> endobj 4427 0 obj <> endobj 4428 0 obj <> endobj 4429 0 obj <> endobj 4430 0 obj <> endobj 4431 0 obj <> endobj 4432 0 obj <> endobj 4433 0 obj <> endobj 4434 0 obj <> endobj 4435 0 obj <> endobj 4436 0 obj <> endobj 4437 0 obj <

> endobj 4438 0 obj <> endobj 4439 0 obj <> endobj 4440 0 obj <> endobj 4441 0 obj <> endobj 4442 0 obj <> endobj 4443 0 obj <> endobj 4444 0 obj <> endobj 4445 0 obj <> endobj 4446 0 obj <> endobj 4447 0 obj <> endobj 4448 0 obj <> endobj 4449 0 obj <> endobj 4450 0 obj <> endobj 4451 0 obj <> endobj 4452 0 obj <> endobj 4453 0 obj <> endobj 4454 0 obj <> endobj 4455 0 obj <> endobj 4456 0 obj <> endobj 4457 0 obj <> endobj 4458 0 obj <> endobj 4459 0 obj <> endobj 4460 0 obj <> endobj 4461 0 obj <> endobj 4462 0 obj <> endobj 4463 0 obj <> endobj 4464 0 obj <> endobj 4465 0 obj <> endobj 4466 0 obj <> endobj 4467 0 obj <> endobj 4468 0 obj <> endobj 4469 0 obj <> endobj 4470 0 obj <> endobj 4471 0 obj <> endobj 4472 0 obj <> endobj 4473 0 obj <

> endobj 4474 0 obj <> endobj 4475 0 obj <> endobj 4476 0 obj <> endobj 4477 0 obj <> endobj 4478 0 obj <> endobj 4479 0 obj <> endobj 4480 0 obj <> endobj 4481 0 obj <> endobj 4482 0 obj <> endobj 4483 0 obj <> endobj 4484 0 obj <> endobj 4485 0 obj <> endobj 4486 0 obj <> endobj 4487 0 obj <> endobj 4488 0 obj <> endobj 4489 0 obj <> endobj 4490 0 obj <> endobj 4491 0 obj <> endobj 4492 0 obj <> endobj 4493 0 obj <> endobj 4494 0 obj <> endobj 4495 0 obj <> endobj 4496 0 obj <> endobj 4497 0 obj <> endobj 4498 0 obj <> endobj 4499 0 obj <> endobj 4500 0 obj <> endobj 4501 0 obj <> endobj 4502 0 obj <> endobj 4503 0 obj <> endobj 4504 0 obj <> endobj 4505 0 obj <> endobj 4506 0 obj <

> endobj 4507 0 obj <> endobj 4508 0 obj <> endobj 4509 0 obj <> endobj 4510 0 obj <> endobj 4511 0 obj <> endobj 4512 0 obj <> endobj 4513 0 obj <> endobj 4514 0 obj <> endobj 4515 0 obj <> endobj 4516 0 obj <> endobj 4517 0 obj <> endobj 4518 0 obj <> endobj 4519 0 obj <> endobj 4520 0 obj <> endobj 4521 0 obj <> endobj 4522 0 obj <

> endobj 4523 0 obj <

> endobj 4524 0 obj <

> endobj 4525 0 obj <> endobj 4526 0 obj <> endobj 4527 0 obj <> endobj 4528 0 obj <> endobj 4529 0 obj <> endobj 4530 0 obj <> endobj 4531 0 obj <> endobj 4532 0 obj <> endobj 4533 0 obj <> endobj 4534 0 obj <> endobj 4535 0 obj <> endobj 4536 0 obj <> endobj 4537 0 obj <> endobj 4538 0 obj <> endobj 4539 0 obj <> endobj 4540 0 obj <> endobj 4541 0 obj <> endobj 4542 0 obj <> endobj 4543 0 obj <> endobj 4544 0 obj <> endobj 4545 0 obj <> endobj 4546 0 obj <> endobj 4547 0 obj <> endobj 4548 0 obj <> endobj 4549 0 obj <> endobj 4550 0 obj <> endobj 4551 0 obj <> endobj 4552 0 obj <> endobj 4553 0 obj <> endobj 4554 0 obj <> endobj 4555 0 obj <> endobj 4556 0 obj <> endobj 4557 0 obj <> endobj 4558 0 obj <> endobj 4559 0 obj <

> endobj 4560 0 obj <

> endobj 4561 0 obj <> endobj 4562 0 obj <> endobj 4563 0 obj <> endobj 4564 0 obj <> endobj 4565 0 obj <> endobj 4566 0 obj <> endobj 4567 0 obj <> endobj 4568 0 obj <> endobj 4569 0 obj <> endobj 4570 0 obj <> endobj 4571 0 obj <> endobj 4572 0 obj <> endobj 4573 0 obj <> endobj 4574 0 obj <> endobj 4575 0 obj <> endobj 4576 0 obj <> endobj 4577 0 obj <> endobj 4578 0 obj <> endobj 4579 0 obj <> endobj 4580 0 obj <> endobj 4581 0 obj <> endobj 4582 0 obj <> endobj 4583 0 obj <> endobj 4584 0 obj <> endobj 4585 0 obj <> endobj 4586 0 obj <> endobj 4587 0 obj <> endobj 4588 0 obj <> endobj 4589 0 obj <> endobj 4590 0 obj <> endobj 4591 0 obj <> endobj 4592 0 obj <> endobj 4593 0 obj <> endobj 4594 0 obj <> endobj 4595 0 obj <> endobj 4596 0 obj <> endobj 4597 0 obj <> endobj 4598 0 obj <> endobj 4599 0 obj <> endobj 4600 0 obj <> endobj 4601 0 obj <> endobj 4602 0 obj <> endobj 4603 0 obj <> endobj 4604 0 obj <> endobj 4605 0 obj <> endobj 4606 0 obj <> endobj 4607 0 obj <> endobj 4608 0 obj <> endobj 4609 0 obj <

> endobj 4610 0 obj <> endobj 4611 0 obj <> endobj 4612 0 obj <> endobj 4613 0 obj <> endobj 4614 0 obj <> endobj 4615 0 obj <> endobj 4616 0 obj <

> endobj 4617 0 obj [null 698 0 R 699 0 R 700 0 R 701 0 R 702 0 R 703 0 R 704 0 R 705 0 R 706 0 R 707 0 R 708 0 R 709 0 R 710 0 R 711 0 R 712 0 R null] endobj 4618 0 obj [null 713 0 R 714 0 R 715 0 R 716 0 R 717 0 R 718 0 R 719 0 R 720 0 R 721 0 R 722 0 R 722 0 R 723 0 R 724 0 R 725 0 R 726 0 R 727 0 R 728 0 R 729 0 R 730 0 R] endobj 4619 0 obj [null 731 0 R 732 0 R 733 0 R 734 0 R 735 0 R 736 0 R 737 0 R 738 0 R 739 0 R 740 0 R 741 0 R 742 0 R 743 0 R 744 0 R 745 0 R 910 0 R 911 0 R 912 0 R 913 0 R 914 0 R 915 0 R 916 0 R 917 0 R null] endobj 4620 0 obj [null 918 0 R 919 0 R 920 0 R 921 0 R 922 0 R 923 0 R 924 0 R 925 0 R 926 0 R 927 0 R 928 0 R 929 0 R 930 0 R 931 0 R 932 0 R 933 0 R 934 0 R null] endobj 4621 0 obj [null 935 0 R 936 0 R 937 0 R 938 0 R 939 0 R 940 0 R 941 0 R 942 0 R 943 0 R 944 0 R 945 0 R 946 0 R 947 0 R 948 0 R 949 0 R 950 0 R 951 0 R 952 0 R 953 0 R null] endobj 4622 0 obj [null 954 0 R 955 0 R 956 0 R 957 0 R 958 0 R 959 0 R 960 0 R 961 0 R 962 0 R 963 0 R 964 0 R 965 0 R 966 0 R 967 0 R 968 0 R 969 0 R 970 0 R 1416 0 R 1417 0 R 1412 0 R 1413 0 R 1408 0 R 1409 0 R 1404 0 R 1405 0 R 1400 0 R 1401 0 R 1396 0 R 1397 0 R 1392 0 R 1393 0 R 1380 0 R] endobj 4623 0 obj [null 972 0 R 973 0 R 974 0 R 975 0 R 976 0 R 977 0 R 978 0 R 979 0 R 980 0 R 981 0 R 453 0 R 981 0 R 982 0 R 983 0 R 984 0 R 1368 0 R 984 0 R 985 0 R 986 0 R 987 0 R 988 0 R 989 0 R 990 0 R 991 0 R 992 0 R 992 0 R 993 0 R 994 0 R 995 0 R 996 0 R 997 0 R 998 0 R null] endobj 4624 0 obj [999 0 R 1000 0 R 1001 0 R 1002 0 R 1003 0 R 1004 0 R 1005 0 R 1006 0 R 1007 0 R 1008 0 R 1009 0 R 1010 0 R 1010 0 R 1011 0 R 1012 0 R 1013 0 R 1014 0 R 1015 0 R 1016 0 R 1017 0 R 1018 0 R 1019 0 R 454 0 R 1019 0 R 1020 0 R 1021 0 R 1022 0 R 1023 0 R 1024 0 R 1025 0 R null] endobj 4625 0 obj [null 1026 0 R 1027 0 R 1028 0 R 1029 0 R 1030 0 R 1031 0 R 1032 0 R 1033 0 R 1034 0 R 1035 0 R 1036 0 R 1037 0 R 1038 0 R 1039 0 R 1040 0 R 1041 0 R 1042 0 R 1332 0 R 1328 0 R 1329 0 R 1324 0 R 1325 0 R 1309 0 R 1310 0 R null] endobj 4626 0 obj [1044 0 R 1302 0 R 1302 0 R 1303 0 R 1046 0 R 1047 0 R 1048 0 R 1049 0 R 1050 0 R 1051 0 R 1052 0 R 1053 0 R 1054 0 R 1055 0 R 1056 0 R 455 0 R 1057 0 R 1298 0 R 1299 0 R 1294 0 R 1295 0 R 1290 0 R 1291 0 R 1059 0 R 1282 0 R 1060 0 R 1283 0 R 1060 0 R 1061 0 R 1062 0 R 1063 0 R 1064 0 R 1065 0 R] endobj 4627 0 obj [1066 0 R 1067 0 R 1067 0 R 1068 0 R 1069 0 R 1070 0 R 1071 0 R 1072 0 R 1073 0 R 1074 0 R 1075 0 R 1076 0 R 1076 0 R 1077 0 R 1078 0 R 1079 0 R 1080 0 R 1081 0 R 1082 0 R 1083 0 R 1084 0 R 1267 0 R 1263 0 R 1264 0 R 1259 0 R 1260 0 R 1255 0 R 1256 0 R 1240 0 R 1241 0 R null] endobj 4628 0 obj [null 1268 0 R 1087 0 R 1088 0 R 1089 0 R 1090 0 R 1091 0 R 1092 0 R 1093 0 R 1094 0 R 1095 0 R 1096 0 R 1097 0 R 1098 0 R 1099 0 R 1100 0 R 1101 0 R 1102 0 R 1103 0 R 1104 0 R 1105 0 R 1106 0 R null] endobj 4629 0 obj [null 1107 0 R 1108 0 R 1109 0 R 1110 0 R 1111 0 R 1112 0 R 1113 0 R 1114 0 R 1115 0 R 1116 0 R 456 0 R 1116 0 R 1117 0 R 1118 0 R 1119 0 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