6 Washington, DC 20552 7 8 9 Consumer Financial …

Case 3:17-cv-06484-EDL Document 90 Filed 07/09/19 Page 1 of 6

1

MAXWELL S. PELTZ, CA Bar No. 183662

2

Email: maxwell.peltz@ PATRICIA HENSLER, FL Bar No. 102303

3

Email: patricia.hensler@

4

HAI BINH NGUYEN, CA Bar No. 313503

Email: haibinh.nguyen@

5

Consumer Financial Protection Bureau

6

1700 G Street, NW

7

Washington, DC 20552 Phone: 415-633-1328

8

9

Attorneys for Plaintiff Consumer Financial Protection Bureau

10

Counsel continued on next page

11

12

UNITED STATES DISTRICT COURT

13

NORTHERN DISTRICT OF CALIFORNIA

14

Consumer Financial Protection ) Case Number: 3:17-cv-06484-EDL

15

Bureau,

)

16

17

Plaintiff,

18

v.

) JOINT STIPULATION FOR ENTRY ) OF STIPULATED FINAL ) JUDGMENT AND ORDER; ) [PROPOSED] ORDER

19

)

Freedom Debt Relief, LLC and )

20

Andrew Housser,

) Hon. Elizabeth D. Laporte

21

)

Defendants.

)

22

)

23

)

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25

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27

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Page 1

Joint Stipulation for Entry of Judgment and Order

Case No. 17-cv-6484

Case 3:17-cv-06484-EDL Document 90 Filed 07/09/19 Page 2 of 6

1

ANAND S. RAMAN (pro hac vice)

anand.raman@

2

JOHN A.J. BARKMEYER (pro hac vice)

3

john.barkmeyer@

SKADDEN, ARPS, SLATE, MEAGHER & FLOM LLP

4

1440 New York Avenue, N.W.

5

Washington, D.C. 20005

6

Telephone: (202) 371-7000 Facsimile: (202) 393-5760

7

8

ALLEN J. RUBY (SBN 47109)

allen.ruby@

9

ABRAHAM M. ANDRADE III (SBN 321264)

10

abraham.andrade@

11

SKADDEN, ARPS, SLATE, MEAGHER & FLOM LLP 525 University Avenue

12

Palo Alto, California 94301

13

Telephone: (650) 470-4500 Facsimile: (650) 470-4570

14

Attorneys for Defendant

15

FREEDOM DEBT RELIEF, LLC

16

17

CRISTINA C. ARGUEDAS (Cal. Bar No. 87787) Email: arguedas@

18

RAPHAEL M. GOLDMAN (Cal. Bar No. 229261)

19

Email: goldman@

ARGUEDAS, CASSMAN & HEADLEY LLP

20

803 Hearst Avenue

21

Berkeley, California 94710

22

Telephone: (510) 845-3000 Facsimile: (510) 845-3003

23

24

Counsel for Defendant ANDREW HOUSSER

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Page 2

Joint Stipulation for Entry of Judgment and Order

Case No. 17-cv-6484

Case 3:17-cv-06484-EDL Document 90 Filed 07/09/19 Page 3 of 6

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JOINT STIPULATION FOR ENTRY OF STIPULATED FINAL

2

JUDGMENT AND ORDER

3

Plaintiff Consumer Financial Protection Bureau and Defendants Freedom

4

Debt Relief, LLC and Andrew Housser (collectively, "the parties") submit this

5

JOINT STIPULATION FOR ENTRY OF STIPULATED FINAL JUDGMENT

6

AND ORDER and [PROPOSED] ORDER, as directed in the Court's June 26,

7

2019 Minute Entry (ECF 89).

8

The parties, by and through their counsel of record, having settled this

9

matter, hereby agree and stipulate to and jointly request that this Court approve

10

and enter the attached proposed Stipulated Final Judgment and Order (Ex. A).

11 IT IS SO STIPULATED.

12

13 Respectfully Submitted,

14

15

Dated: July 9, 2019

16

17

FOR PLAINTIFF CONSUMER FINANCIAL PROTECTION BUREAU

Cara Petersen (DC Bar No. 476990) Acting Enforcement Director

18

Jeffrey Paul Ehrlich (FL Bar No. 51561)

19

Deputy Enforcement Director Owen P. Martikan (CA Bar No. 177104)

20

Assistant Litigation Deputy

21

/s/ Maxwell S. Peltz

Maxwell S. Peltz (CA Bar No. 183662)

22

Patricia H. Hensler (FL Bar No. 102303)

23

Hai Binh Nguyen (CA Bar No. 313503)

24

Enforcement Attorneys Consumer Financial Protection Bureau

25

1700 G Street, NW

26

Washington, DC 20552

Telephone (Peltz): 415-633-1328

27

Telephone (Hensler): 202-435-7829

28

Page 3

Joint Stipulation for Entry of Judgment and Order Case No. 17-cv-6484

Case 3:17-cv-06484-EDL Document 90 Filed 07/09/19 Page 4 of 6

1

Telephone (Nguyen): 202-435-7251

Fax: 202-435-7722

2

Email: maxwell.peltz@

3

Email: patricia.hensler@

Email: haibinh.nguyen@

4

Attorneys for Plaintiff Consumer Financial

5

Protection Bureau

6

DATED: July 9, 2019

7

FOR DEFENDANT FREEDOM DEBT RELIEF, LLC

8

By:

/s/ Allen J. Ruby

9

Allen J. Ruby (SBN 47109) Abraham M. Andrade III (SBN 321264)

10

SKADDEN, ARPS, SLATE, MEAGHER &

11

FLOM LLP

525 University Avenue

12

Palo Alto, California 94301

13

Telephone: (650) 470-4500

14

Facsimile: (650) 470-4570 allen.ruby@

15

abraham.andrade@

16

Anand S. Raman (pro hac vice)

17

John A.J. Barkmeyer (pro hac vice)

18

SKADDEN, ARPS, SLATE, MEAGHER &

FLOM LLP

19

1440 New York Avenue, N.W.

20

Washington, D.C. 20005

21

Telephone: (202) 371-7000 Facsimile: (202) 393-5760

22

anand.raman@

23

john.barkmeyer@

Attorneys for Defendant Freedom Debt Relief,

24

LLC

25

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27

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Page 4

Joint Stipulation for Entry of Judgment and Order

Case No. 17-cv-6484

Case 3:17-cv-06484-EDL Document 90 Filed 07/09/19 Page 5 of 6

1

DATED: July 9, 2019

FOR DEFENDANT ANDREW HOUSSER

2

By: /s/ Cristina C. Arguedas

3

Cristina C. Arguedas (Cal. Bar No. 87787)

Raphael M. Goldman (Cal. Bar No. 229261)

4

ARGUEDAS, CASSMAN & HEADLEY, LLP

5

803 Hearst Avenue

6

Berkeley, CA 94710 Telephone: (510) 845-3000

7

Fax: (510) 845-3003

8

Email: arguedas@ Email: goldman@

9

Counsel for Defendant Andrew Housser

10

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12

13

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16

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Page 5

Joint Stipulation for Entry of Judgment and Order

Case No. 17-cv-6484

Case 3:17-cv-06484-EDL Document 90 Filed 07/09/19 Page 6 of 6

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2

3

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Exhibit A

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6

7

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10

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13

14

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16

17

18

19

20

21

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25

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Page 6

Joint Stipulation for Entry of Judgment and Order

Case No. 17-cv-6484

Case 3:17-cv-06484-EDL Document 90-1 Filed 07/09/19 Page 1 of 21

1

UNITED STATES DISTRICT COURT

2

NORTHERN DISTRICT OF CALIFORNIA

3 Consumer Financial Protection Bureau,

4

Plaintiff,

5 v.

6

7 Freedom Debt Relief, LLC and

Andrew Housser,

8

Defendants.

Case No. 3:17-cv-06484-EDL

[PROPOSED] STIPULATED FINAL JUDGMENT AND ORDER

9

10

The Consumer Financial Protection Bureau (Bureau) commenced this action

11 on November 8, 2017, to obtain injunctive and monetary relief and civil penalties

12 from Freedom Debt Relief, LLC and Andrew Housser. The Bureau's First

13 Amended Complaint alleges violations of the Telemarketing and Consumer Fraud

14 and Abuse Prevention Act, 15 U.S.C. ?? 6102(c), 6105(d); the Telemarketing

15 Sales Rule (TSR), 16 C.F.R. pt. 310; and the Consumer Financial Protection Act of

16 2010 (CFPA), 12 U.S.C. ?? 5531, 5536(a), in connection with the marketing, sale,

17 and provision of Debt-Relief Services.

18

The Bureau and Defendants agree to the entry of this Stipulated Final

19 Judgment and Order (Order), without adjudication of any issue of fact or law, to

20 settle and resolve all matters in dispute arising from the conduct alleged in the First

21 Amended Complaint.

22

THEREFORE, it is ORDERED:

23

FINDINGS & CONCLUSIONS

24

1. This Court has jurisdiction over the parties and the subject matter of

25 this action pursuant to 12 U.S.C. ? 5565(a)(1) and 28 U.S.C. ?? 1331 and 1345.

26

27

28

Case 3:17-cv-06484-EDL Document 90-1 Filed 07/09/19 Page 2 of 21

1

2. Venue in the Northern District of California is proper under 28 U.S.C.

2 ? 1391(b) and (c) and 12 U.S.C. ? 5564(f).

3

3. Defendant Freedom Debt Relief, LLC (Freedom) is a provider of

4 Debt-Relief Services. Defendant Andrew Housser is Freedom's co-founder and co-

5 CEO.

6

4. Defendants neither admit nor deny any allegations in the First

7 Amended Complaint, except as specifically stated in this Order. For the purposes

8 of this Order, Defendants admit the facts necessary to establish the Court's

9 jurisdiction over them and the subject matter of this action.

10

5. Defendants waive all rights to seek judicial review or otherwise

11 challenge or contest the validity of this Order and any claim they may have under

12 the Equal Access to Justice Act, 28 U.S.C. ? 2412, concerning the prosecution of

13 this action to the date of this Order. Each Party agrees to bear its own costs and

14 expenses, including, without limitation, attorneys' fees.

15

6. Entry of this Order is in the public interest.

16

DEFINITIONS

17

The following definitions apply to this Order:

18

7. "Affected Consumers" means any person who paid the Company

19 Defendant a Qualifying Fee.

20

8. "Clearly and Conspicuously" shall have the same meaning as in 16

21 C.F.R. ? 310.3.

22

9. "Clearly and Prominently" means:

23

a. in textual communications (e.g., printed publications or words

24

displayed on the screen of an electronic device), the disclosure

25

must be of a type point or pixel size, location, and format

26

sufficiently noticeable for an ordinary consumer to read and

27 2

28

Stipulated Final Judgment and Order

Case No. 3:17-cv-06484-EDL

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