[brief] 1  REPLY ARGUMENT .....................................................................................  2 POINT I.  [...] HAS CORRECTLY ASSERTED [...]’S VIOLATIONS OF THE NJCFLA AS AN AFFIRMATIVE DEFENSE TO THE VOID DEFAULT  JUDGMENT .........................  2 POINT II.  THE PUBLIC POLICY INTEREST IN FINALITY OF JUDGMENTS IS OUTWEIGHED BY [...]’S VIOLATIONS OF THE NJCFLA ........ 6 CONCLUSION .............................................................................................. 15 REPLY APPENDIX TABLE OF CONTENTS (Appendix Immediately Follows Reply Brief’s CONCLUSION page) Stipulation of Settlement in *New Century Fin. v. Trewin*, HNT-DC-960-17……………………………………………………………Dra1 *Arroyo v. Stoneleigh Recovery Assocs., LLC*, 2019 U.S. Dist. LEXIS 138287 (D.N.J. Aug. 14, 2019) …………………Dra5 *Latteri v. Mayer*, 2018 U.S. Dist. LEXIS 85926 (D.N.J. May 22, 2018) …………………Dra12 *Lopez v. Law Offices of Faloni & Associates, LLC*, 2016 U.S. Dist. LEXIS 124730 (D.N.J. Sept. 14, 2016) …………………Dra16 *McQueen v. Fein, Such, Kahn & Shepard, P.C.*, ESX-L-1439-22, 2023 N.J. Super. Unpub. LEXIS 640 (Law Div. April 26, 2023) …………………………………………………Dra21 *Peralta v. Ragan*, 2022 U.S. Dist. LEXIS 234300 (D.N.J. Dec. 30, 2022) …………………Dra27 *Tompkins v. Selip & Stylianou, LLP*, 2019 U.S. Dist. LEXIS 21937 (D.N.J. Feb. 11, 2019) …………………Dra32 *Valentine v. Mullooly, Jeffrey, Rooney & Flynn LLP*, 2022 U.S. Dist. LEXIS 118399 (D.N.J. July 6, 2022) …………………Dra37 ### TABLE OF AUTHORITIES #### Cases **Arroyo v. Stoneleigh Recovery Assocs., LLC,** 2019 U.S. Dist. LEXIS 138287 (D.N.J. Aug. 14, 2019) ........................................... 11 **Family Fin. Corp. v. Gough,** 10 N.J. Super. 13 (App. Div. 1950) ............................................................................. 5 **Latteri v. Mayer,** 2018 U.S. Dist. LEXIS 85926 (D.N.J. May 22, 2018) .............................................. 12 **Lemelledo v. Benefit Mgmt. Corp.,** 150 N.J. 255 (1997) .................................................................................................... 5, 6 **Lopez v. Law Offices of Faloni & Associates, LLC,** 2016 U.S. Dist. LEXIS 124730 (D.N.J. Sept. 14, 2016) .............................................. 12 **LVNV Funding, LLC v. DeAngelo,** 464 N.J. Super. 103 (App. Div. 2020) ......................................................................... 7, 9 **McQueen v. Fein, Such, Kahn & Shepard, P.C.,** ESX-L-1439-22, 2023 N.J. Super. Unpub. LEXIS 640 (Law Div. April 26, 2023) .......................................................................................... 10, 11 **Midland Funding LLC v. Thiel,** 446 N.J. Super. 537 (App. Div. 2016) ......................................................................... 9 **Midland Funding LLC v. Williams,** No. A-2961-22, 2024 N.J. Super. Unpub. LEXIS 466 (App. Div. Mar. 21, 2024) ......................................................................................... 14 **New Century Fin. v. Trewin,** 2018 N.J. Super. Unpub. LEXIS 1688 (Ch. Div. May 24, 2018) ....................... 2, 4 **Peralta v. Ragan,** 2022 U.S. Dist. LEXIS 234300 (D.N.J. Dec. 30, 2022) ........................................... 12 **Tompkins v. Selip & Stylianou, LLP,** 2019 U.S. Dist. LEXIS 21937 (D.N.J. Feb. 11, 2019) .............................................. 12 Valentine v. Mullooly, Jeffrey, Rooney & Flynn LLP, 2022 U.S. Dist. LEXIS 118399 (D.N.J. July 6, 2022) ........................................... 13 Veras v. LVNV Funding, LLC, No. 13-1745 (RBK/JS), 2014 U.S. Dist. LEXIS 34176 (D.N.J. Mar. 17, 2014) ......................................................................................... 4, 13 Woo-Padva v. Midland Funding, No. A-1996-21, 2023 N.J. Super. Unpub. LEXIS 1550 (App. Div. Sep. 21, 2023) ....................................................................................... 4 Rules R. 4:50-1(d) ............................................................................................................... 14 R. 4:50-1(f) ............................................................................................................... 14 Statutes 15 U.S.C. § 1692(a) ................................................................................................. 7 15 U.S.C. § 1692(d) ................................................................................................. 7 N.J.S.A. 17:11C-2 .................................................................................................... 7 N.J.S.A. 17:11C-3 .................................................................................................... 7 N.J.S.A. 17:11C-33(b) .......................................................................................... 2 TABLE OF JUDGMENTS, ORDERS, AND RULINGS Order and Statement of Reasons Denying Defendant’s Motion to Vacate Default Judgment filed October 26, 2023 ........................................ Da58 PRELIMINARY STATEMENT Plaintiff-Respondent [...] (“[...]”) has argued in their Brief that Defendant-Appellant [...]’s arguments on appeal fail due the ostensible lack of a private right of action included in the New Jersey Consumer Finance Licensing Act (“NJCFLA”), N.J.S.A. 17:11C-1, et seq.