EXHIBIT B

June 14, 2016 Deposition Transcript of Rachel Frady, 

Chief Compliance Officer of Defendant Stellar Recovery, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 1 of 45 Pg ID 1062
· · · · · · · ·· UNITED STATES DISTRICT COURT

· · · · · · · · · · · · · · for the

· · · · · · · ·· Eastern District of Michigan

··

· · · · · · Civil Action No. 2:15-CV-11717-SJM-MKM

··

··

··

··LAKISHA T. SMITH,· · · · · · · ··)

· · · · · · · · · · · · · · · · · · )

· · · · · · · · Plaintiff,· · · · ··)

· · · · · · · · · · · · · · · · · · )

··v.· · · · · · · · · · · · · · · ·)

· · · · · · · · · · · · · · · · · · )

··STELLAR RECOVERY, INC., et al.,··)

· · · · · · · · · · · · · · · · · · )

· · · · · · · · Defendants.· · · · ·)

· · · · · · · · · · · · · · · · · · )

··

··

· · · · · · · · · · · ·· DEPOSITION OF

··

· · · · · · · · · · · ·· RACHEL FRADY

··

· · · · · · ·· Taken on behalf of the Plaintiff

··

··

··

· · · DATE:· · · · ··Tuesday, June 14, 2016

··

· · · TIME:· · · · ··10:16 a.m. to 11:04 a.m.

··

· · · LOCATION:· · ··Jacksonville Area Legal Aid

· · · · · · · · · ·· 127 West Adams Street

· · · · · · · · · ·· 7th Floor Conference Room

· · · · · · · · · ·· Jacksonville, Florida 32202

··

··

··

· · · · ·· Examination of the witness taken before:

· · · · · · · · · Heather Manazir, RPR, FPR,

· · ·· and Notary Public in and for the State of Florida

··

··

··

· · · · · · · JACKSONVILLE COURT REPORTING, INC.

· · · · · · · · · · · POST OFFICE BOX 5675

· · · · · · · ·· JACKSONVILLE, FLORIDA 32247

· · · · · · · · · · · ·· (904) 743-5791

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 2 of 45 Pg ID 1063 
Page 2

·1·· · · · · · · · · · A P P E A R A N C E S

· ·

·2··

· ·

·3··

· ·

·4·· ·· On behalf of the Plaintiff:

· ·

·5·· · · · · STEPHEN A. THOMAS, Esquire

· · · · · · 645 Griswold Street, Suite 1360

·6·· · · · · Detroit, Michigan 48226

· · · · · · (313) 965-BANK (2265)

·7·· · · · · sthomas@313965BANK.com

· ·

·8··

· ·

·9··

· ·

10·· ·· On behalf of the Defendant:

· ·

11·· · · · · ALISON EMERY, Esquire

· · · · · · Assurance Law Group

12·· · · · · 3731 Hendricks Avenue

· · · · · · Jacksonville, Florida 32207

13·· · · · · (904) 497-4904

· · · · · · alison@assurancelawgroup.com

14··

· ·

15··

· ·

16··

· ·

17··

· ·

18··

· ·

19··

· ·

20··

· ·

21··

· ·

22··

· ·

23··

· ·

24··

· ·

25··

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 3 of 45 Pg ID 1064 
Page 3

·1·· · · · · · · · · · · · · I N D E X

·2··

·3·· · · · · · · · ·· E X A M I N A T I O N S

·4··WITNESS· · · · · · · · · · · · · · · · · · · · · ··PAGE

·5·· ·· RACHEL FRADY

·6·· · · · DIRECT EXAMINATION BY MR. THOMAS.............4

·7··

·8·· · · · · · · · · · ·· E X H I B I T S

·9··FOR IDENTIFICATION:

10·· ·· PLAINTIFF'S EXHIBIT 7...........................24

11·· ·· PLAINTIFF'S EXHIBIT 8...........................11

12·· ·· PLAINTIFF'S EXHIBIT 9...........................7

13·· ·· PLAINTIFF'S EXHIBIT 10..........................37

14·· ·· PLAINTIFF'S EXHIBIT 11..........................38

15·· ·· PLAINTIFF'S EXHIBIT 12..........................39

16·· ·· PLAINTIFF'S EXHIBIT 13..........................39

17··

18··

19··

20··

21··

22··

23··

24··

25··

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 4 of 45 Pg ID 1065 
Page 4

·1·· · · · · · · · · · S T I P U L A T I O N

·2·· · · · · It was stipulated and agreed by and between

·3··counsel for the respective parties, and the witness,

·4··that the reading and signing of the deposition by the

·5··witness was waived.

·6·· · · · · · · · · · · · · -· ·-· ·-

·7·· · · · ·· THE COURT REPORTER:··Ma'am, would you raise

·8·· · · your right hand, please?

·9·· · · · ·· Do you swear or affirm that the testimony you

10·· · · are about to give will be the truth?

11·· · · · ·· THE WITNESS:··Yes.

12·· · · · ·· THE COURT REPORTER:··Thank you.

13·· · · · · · · · · · · ·· -· ·-· ·-

14·· · · · · · · · · · · · RACHEL FRADY,

15··having been produced and first duly sworn as a witness,

16··testified as follows:

17·· · · · · · · · · ·· DIRECT EXAMINATION

18··BY MR. THOMAS:

19·· · · Q· ··I'm attorney Stephen Thomas, and I represent

20··the plaintiff in this matter, Lakisha Smith.

21·· · · · ·· What is your name?

22·· · · A· ··Rachel Frady.

23·· · · Q· ··Okay.··And spell your last name.

24·· · · A· ··F-r-a-d-y.

25·· · · Q· ··Okay.··You understand you're under oath, right?

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 5 of 45 Pg ID 1066 
Page 5

·1·· · · A· ··Yes, sir.

·2·· · · Q· ··Okay.··And let me ask you a few preliminary

·3··questions.

·4·· · · · ·· Today, you're not under any influence of

·5··medication, drugs, or alcohol that would prevent you

·6··from testifying truthfully today?

·7·· · · A· ··No, sir.

·8·· · · Q· ··And when I ask a question, and you're able to

·9··give an answer, I'm going to assume that you heard the

10··question and that you understood the question, if you're

11··able to give the answer --

12·· · · A· ··Okay.

13·· · · Q· ··-- is that fair enough?

14·· · · A· ··Yes, sir.

15·· · · Q· ··You live here in Jackson [sic]?

16·· · · A· ··Yes.

17·· · · Q· ··All your life?

18·· · · A· ··Since I was five.

19·· · · Q· ··Since you were five?

20·· · · A· ··Uh-huh.

21·· · · Q· ··Fair enough to me.

22·· · · · ·· How old are you now?

23·· · · A· ··31.

24·· · · Q· ··31.··In the last ten years, have you been

25··convicted of a felony?

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 6 of 45 Pg ID 1067 
Page 6

·1·· · · A· ··No.

·2·· · · Q· ··What's your highest level of education?

·3·· · · A· ··High school.

·4·· · · Q· ··And that was here in Jackson --

·5·· · · A· ··Yes.

·6·· · · Q· ··-- Jacksonville?

·7·· · · · ·· Where do you work now?

·8·· · · A· ··Stellar Recovery.

·9·· · · Q· ··How long have you worked for Stellar Recovery?

10·· · · A· ··Three years as of October of this year, so a

11··little over two-and-a-half years.

12·· · · Q· ··Okay.··What's your title now?

13·· · · A· ··Chief compliance officer.

14·· · · Q· ··Chief compliant [sic] officer.··Had you always

15··been chief compliance officer?

16·· · · A· ··No, sir.

17·· · · Q· ··When you first got to Stellar, what was your

18··position?

19·· · · A· ··Director of quality assurance.

20·· · · Q· ··Where did you work before Stellar?

21·· · · A· ··Enhanced Recovery Company.

22·· · · Q· ··How many years had you worked there?

23·· · · A· ··Ten years.

24·· · · Q· ··Okay.··So you had a little experience before

25··you got over to Stellar about collection?

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 7 of 45 Pg ID 1068 
Page 7

·1·· · · A· ··Yes, sir.

·2·· · · Q· ··Now, your position now, what -- say it again.

·3··What is it?

·4·· · · A· ··Chief compliance officer.

·5·· · · Q· ··Chief compliance officer.··What are your duties

·6··as chief compliance officer?

·7·· · · A· ··Multiple things.··I ensure our collectors and

·8··our policies and procedures are compliant with federal

·9··regulations, client regulations.··That's my main focus.

10·· · · · · (Plaintiff's Exhibit 9 was marked for

11··identification.)

12··BY MR. THOMAS:

13·· · · Q· ··Okay.··I'm showing you what has been previously

14··marked as -- as Plaintiff's Exhibit Number 9.

15·· · · · ·· MR. THOMAS:··I've got one for you.··Keep it.

16·· · · That's yours to keep.

17·· · · · ·· MS. EMERY:··Okay.··Thanks, Stephen.

18··BY MR. THOMAS:

19·· · · Q· ··All right.

20·· · · A· ··(Reviewing document.)

21·· · · Q· ··Do you recognize that?

22·· · · A· ··I don't recognize it, but I can read what it

23··is.

24·· · · Q· ··Okay.··What is it?

25·· · · A· ··It looks like the contract between Stellar and

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 8 of 45 Pg ID 1069 
Page 8

·1··Comcast.

·2·· · · Q· ··Okay.··On the very first page, paragraph two,

·3··compliance with applicable laws and security

·4··standards --

·5·· · · A· ··Uh-huh.

·6·· · · Q· ··-- do you see that?

·7·· · · A· ··Uh-huh.

·8·· · · Q· ··Is that a yes?

·9·· · · A· ··Yes.

10·· · · Q· ··Just for her.

11·· · · A· ··Yes.··Sorry.

12·· · · Q· ··You don't have to apologize.··Just --

13·· · · · ·· MS. EMERY:··It's hard for her to type a head

14·· · · nod.

15·· · · · ·· THE WITNESS:··Uh-huh.

16·· · · · ·· MR. THOMAS:··Yeah.

17··BY MR. THOMAS:

18·· · · Q· ··Could you read the first sentence?

19·· · · A· ··In providing the services hereunder, vendor

20··hereby agrees to comply with all applicable laws,

21··including, without limitation, the federal Fair Debt

22··Collection Practices Act.

23·· · · Q· ··All right.··And what does that mean to you, as

24··compliance -- chief of compliance?

25·· · · A· ··It means that Stellar will here -- adhere to

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 9 of 45 Pg ID 1070 
Page 9

·1··the FDCPA.

·2·· · · Q· ··Okay.··And, in your own words, what is the

·3··FDCPA?

·4·· · · A· ··It's what governs collection agencies to ensure

·5··best business practices.

·6·· · · Q· ··All right.··Could you give me an example of a

·7··violation of the FDCPA?

·8·· · · A· ··I mean, I guess it could -- it -- it could

·9··depend on if -- the FDCPA is not very clear all the

10··time.

11·· · · Q· ··Okay.

12·· · · A· ··A violation could be, you know, harassment, I

13··guess you could say.

14·· · · Q· ··Harassment.··Okay.··Anything else?

15·· · · A· ··There's -- FDCPA is very broad, and I think we

16··could go on for all day, if you want to, talking about

17··possible violations.

18·· · · Q· ··Well, let's go on --

19·· · · A· ··And I guess I'm not --

20·· · · Q· ··-- to that.

21·· · · A· ··-- exactly sure what you're asking.

22·· · · Q· ··I'm asking you, as compliance officer --

23·· · · A· ··Uh-huh.

24·· · · Q· ··-- chief compliance officer, give me all the

25··violations that you know.

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 10 of 45 Pg ID 1071 
Page 10

·1·· · · A· ··Uh-huh.

·2·· · · Q· ··You indicated one is harassment.

·3·· · · A· ··Uh-huh.

·4·· · · Q· ··Anything else?

·5·· · · A· ··Continuing -- continuing to call if not asked.

·6·· · · Q· ··Right.

·7·· · · A· ··Charging fees in states that don't allow fees.

·8··There's multiple.··Do you want me to list every

·9··single --

10·· · · Q· ··Please.

11·· · · · ·· MS. EMERY:··To the extent that -- object to the

12·· · · form; to the extent you know, to the extent you can

13·· · · do that.

14·· · · · ·· MR. THOMAS:··Are you trying to coach somebody

15·· · · over here?

16·· · · · ·· MS. EMERY:··No.··You're asking her to cite the

17·· · · whole FDCPA.··Can you?

18·· · · A· ··Yeah.··It's -- it's -- the FDCPA is -- is huge.

19··I'm -- I'll just tell you --

20··BY MR. THOMAS:

21·· · · Q· ··There's only -- you've only given three.··Is

22··that the only three that you know?

23·· · · A· ··No, it's not the only three that I know.··But

24··it's the only three that I could tell you off the top of

25··my head.

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 11 of 45 Pg ID 1072 
Page 11

·1·· · · Q· ··Fair enough.··So those are the only three that

·2··you could tell me off the top of your head --

·3·· · · A· ··Yes.

·4·· · · Q· ··-- correct?

·5·· · · · ·· MS. EMERY:··Object to the form.

·6··BY MR. THOMAS:

·7·· · · Q· ··All right.··Let me ask you this.

·8·· · · A· ··Uh-huh.

·9·· · · Q· ··Would -- would contacting a consumer after a

10··bankruptcy has -- has discharged debt --

11·· · · A· ··Yes.

12·· · · Q· ··-- would that be a violation?

13·· · · A· ··Yes.

14·· · · Q· ··Okay.··What about calling a consumer in

15··attempts to collect a debt, when the debt had been part

16··-- previously discharged in bankruptcy?··Would that be a

17··violation?

18·· · · A· ··Yes.

19·· · · · · (Plaintiff's Exhibit 8 was marked for

20··identification.)

21··BY MR. THOMAS:

22·· · · Q· ··Okay.··I'm handing you what has been previously

23··marked as Plaintiff's Exhibit 8.

24·· · · A· ··Do you want these ones back, or just keeping

25··them to the side?

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 12 of 45 Pg ID 1073 
Page 12

·1·· · · · ·· MS. EMERY:··Keep them there for the court

·2·· · · reporter.

·3·· · · · ·· THE WITNESS:··Okay.

·4·· · · · ·· MR. THOMAS:··I've got to get you one of them.

·5·· · · · ·· MS. EMERY:··Yeah, if you have one.

·6·· · · · ·· MR. THOMAS:··I have one.

·7·· · · · ·· MS. EMERY:··You gave me --

·8·· · · · ·· MR. THOMAS:··Looking at --

·9·· · · · ·· MS. EMERY:··-- you gave me -- you gave me two.

10·· · · · ·· MR. THOMAS:··Yeah.

11·· · · · ·· MS. EMERY:··Well, I think it's the same thing.

12·· · · · ·· MR. THOMAS:··All right.

13··BY MR. THOMAS:

14·· · · Q· ··Looking at Exhibit 8, do you recognize what

15··that is?

16·· · · A· ··Yes.

17·· · · Q· ··And what is that?

18·· · · A· ··It's an account history report from our

19··collection software.

20·· · · Q· ··Okay.··And that -- would that collection

21··software be Latitude?

22·· · · A· ··Yes, sir.

23·· · · Q· ··When was this report generated?

24·· · · A· ··Report date says 12/3/2015.

25·· · · Q· ··And would this be a -- and would this be a

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 13 of 45 Pg ID 1074 
Page 13

·1··business record?

·2·· · · A· ··Can you define business record?

·3·· · · Q· ··A record that would be kept in the normal

·4··course of business.

·5·· · · A· ··Yes, sir.

·6·· · · Q· ··All right.··And would you agree with me that

·7··this business record, Exhibit 8, is a true and fair

·8··representation of the activ- -- account history for

·9··Lakisha Smith?

10·· · · A· ··Yes, sir.

11·· · · Q· ··All right.··Now, let's -- let's take a look at

12··Exhibit 8.··Let me ask you a few questions on it.

13·· · · · ·· When is the first -- strike that.

14·· · · · ·· Let's start at the very top.··What is the ID

15··number?

16·· · · A· ··The account ID?

17·· · · Q· ··Our account ID.

18·· · · A· ··That is Stellar Recovery's file number for this

19··account.··It's our unique file number.

20·· · · Q· ··Okay.··And that would be 12884152, correct?

21·· · · A· ··Yes, sir.

22·· · · Q· ··And what's the status, RCL?··What does that

23··mean?

24·· · · A· ··Recall.··That means the account has been closed

25··and returned to the client.

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 14 of 45 Pg ID 1075 
Page 14

·1·· · · Q· ··Okay.··And account number, what would -- no,

·2··no.··Customer.··Let's do that line.··What's that?

·3·· · · A· ··Comcast.··That is the -- the account that this

·4··is.

·5·· · · Q· ··And abbreviation would be the COMCA?

·6·· · · A· ··Yes.

·7·· · · Q· ··And that account number, what is that?··Is that

·8··the Comcast number?

·9·· · · A· ··That's Comcast's specific account number --

10·· · · Q· ··Okay.

11·· · · A· ··-- that was assigned.

12·· · · Q· ··And that would be 01 -- strike that --

13··0610539067506, correct?

14·· · · A· ··Yes.

15·· · · Q· ··And it -- it says, Next received.··And the

16··date, what date is that?

17·· · · A· ··That's the date that Stellar Recovery received

18··the account from Comcast in our office.

19·· · · Q· ··Okay.··And what date is that?

20·· · · A· ··6/21/2014.

21·· · · Q· ··All right.··And it indicates that it was

22··closed?

23·· · · A· ··Yes.

24·· · · Q· ··Does that mean that it was closed out as far as

25··Stellar, or does it mean Comcast closed it out?

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 15 of 45 Pg ID 1076 
Page 15

·1·· · · A· ··That means --

·2·· · · Q· ··Tell me what that means.

·3·· · · A· ··-- Stellar Recovery closed the account.

·4·· · · Q· ··Okay.··And what date would that be?

·5·· · · A· ··7/29/2015.

·6·· · · Q· ··And returned, what date is that?

·7·· · · A· ··7/29/2015.

·8·· · · Q· ··Does that mean that it was returned back to

·9··Comcast?

10·· · · A· ··Yes, sir.

11·· · · Q· ··Why was it closed out on 7/29/15?

12·· · · A· ··One second.

13·· · · Q· ··Yeah.··Take your time.

14·· · · A· ··It looks like it was a final recall, meaning

15··that the account was placed in our office for the

16··duration of time assigned, and it was closed because of

17··that.

18·· · · Q· ··What are you looking at to indicate that it was

19··for a duration of time?

20·· · · A· ··It's -- it says on 7/29/2015, Received a final

21··recall, closing and returning.

22·· · · Q· ··What -- what page are you on?

23·· · · A· ··That's page four of five.··It's on the 7/29

24··note, second to the bottom.

25·· · · Q· ··Okay.··What about the line for 7/14/2015, the

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 16 of 45 Pg ID 1077 
Page 16

·1··-- the line that has RL under the two -- well, I believe

·2··that's your action, and result is CO.··What -- what does

·3··that mean?

·4·· · · · ·· MS. EMERY:··I think you mean 7 -- 5/14.

·5·· · · There's no 7/14 entry.

·6··BY MR. THOMAS:

·7·· · · Q· ··5/14.

·8·· · · A· ··What does what mean?··There's a --

·9·· · · Q· ··The line.··The line that has the RL --

10·· · · A· ··CO?

11·· · · Q· ··-- and the CO, correct.

12·· · · A· ··That means we received a letter, and this is a

13··comment only.··And if -- if you read the note, we

14··received a lawsuit for calling consumer after BK.

15·· · · Q· ··All right.

16·· · · A· ··So that's just our notation to the account that

17··that was received.

18·· · · Q· ··So would that be the reason why the account was

19··closed out?

20·· · · A· ··No.

21·· · · Q· ··Okay.··Was there any phone calls to the -- to

22··Lakisha Smith or letter sent after that notation?

23·· · · A· ··No.

24·· · · Q· ··Okay.··Going back to page one of five, there's

25··many entries for 6/21/2014, correct?

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 17 of 45 Pg ID 1078 
Page 17

·1·· · · A· ··Yes, sir.

·2·· · · Q· ··All right.··And the first line, it indicates,

·3··Account -- account received from client.

·4·· · · A· ··Yes.

·5·· · · Q· ··That started it all, correct?

·6·· · · A· ··Yes, sir.

·7·· · · Q· ··Next line, Phone information has been updated

·8··from client.

·9·· · · · ·· What does that mean?

10·· · · A· ··It means that when the account was received,

11··that there was a phone number that came with the

12··account, and it was updated to the account.

13·· · · Q· ··All right.··Then going down, skipping the blank

14··line, the same information, correct?

15·· · · A· ··Yes.

16·· · · Q· ··Then, Miscellaneous extra data added, what --

17··what does that reflect?

18·· · · A· ··It's another data field for the account.··It's

19··just miscell- -- miscellaneous information, and it shows

20··where a service address was added to the account of the

21··13097 Longview Street.

22·· · · Q· ··Would that be where the Comcast account would

23··-- would have been?

24·· · · A· ··Yes, service address.

25·· · · Q· ··All right.··And the next line, it says,

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 18 of 45 Pg ID 1079 
Page 18

·1··Disconnect reason, and -- and has an N.··What does that

·2··mean?

·3·· · · A· ··I'm not sure what the N means.

·4·· · · Q· ··Do you know who might know what the N means?

·5·· · · A· ··Possibly, Comcast.

·6·· · · Q· ··And the next line, Deposit amount zero?

·7·· · · A· ··Yes.

·8·· · · Q· ··What does that mean?

·9·· · · A· ··I don't know.

10·· · · Q· ··All right.··And the customer type, Residential?

11·· · · A· ··Yes.

12·· · · Q· ··As opposed to a business, correct?

13·· · · A· ··Correct.

14·· · · Q· ··And the next line, Dwelling type one.

15·· · · · ·· What's a Dwelling type one?

16·· · · A· ··I don't know.

17·· · · Q· ··And the next line, Tax ID type, Social Security

18··number.

19·· · · · ·· Would SSA -- SSN mean Social Security number?

20·· · · A· ··Yes, sir.

21·· · · Q· ··All right.··What is the region entity Detroit?

22··That means that's where it's located?

23·· · · A· ··Yes.

24·· · · Q· ··Now, it said, File sent to IDA for litigious

25··debtor scrub.

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 19 of 45 Pg ID 1080 
Page 19

·1·· · · · ·· What does that mean?

·2·· · · A· ··It's a scrub that we do to see if this

·3··consumer's previously had any litigation.··It's just

·4··that's what that states.

·5·· · · Q· ··And the next line, Account sent to TLO for

·6··bankruptcy-deceased scrub.

·7·· · · · ·· What -- what does TLO mean?

·8·· · · A· ··Transunion.··It's a vendor that we use to do

·9··our bankruptcy-deceased scrubs.

10·· · · Q· ··Backing up to IDA, what -- what company is

11··that?

12·· · · A· ··They've changed their names several times.··I

13··don't know what the acronym stands for.··It's now IDI.

14··I don't know.

15·· · · Q· ··Would that be the same company that you --

16··that's your vendor now, as it was back in June?

17·· · · A· ··Yes.··We do still use them.

18·· · · Q· ··Okay.··And Exchange, what does that mean?

19·· · · A· ··Exchange, that's the system, the interface that

20··we use when downloading information.··It's just where

21··it's going through to load to the account.

22·· · · Q· ··Explain the next line where there's, Fusion,

23··the send and send and the actual result line.··Read the

24··comment.··Explain that to me.

25·· · · A· ··ID info two service data ordered on 6/22/2014.

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 20 of 45 Pg ID 1081 
Page 20

·1·· · · · ·· It's just for the -- the TLO that you see

·2··above.··It's just showing that we ordered bankruptcy

·3··scrub and deceased scrub.

·4·· · · Q· ··Now, do you know, are you aware that Ms. --

·5··Ms. Smith filed bankruptcy back in -- in May of 2014, I

·6··believe it is?

·7·· · · A· ··I'm aware because of this case.

·8·· · · Q· ··Okay.··So she filed bankruptcy prior to you --

·9··you getting the -- the account, correct?

10·· · · A· ··Yes.

11·· · · Q· ··All right.··And -- and your reason for

12··contacting her -- you do agree you did contact her after

13··a bankruptcy, correct?

14·· · · A· ··Yes, sir.

15·· · · Q· ··And why is that?

16·· · · A· ··We did a bankruptcy scrub, and because of the

17··Social Security number on file, ending in 5694, it did

18··not identify a bankruptcy.

19·· · · Q· ··Where did you get the Social Security number,

20··5694?

21·· · · A· ··It was received from Comcast in the file when

22··we got the account on 6/21/2014.

23·· · · Q· ··Okay.··So you don't know whether or not

24··Ms. Smith provided the 5694 Social Security number,

25··correct?

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 21 of 45 Pg ID 1082 
Page 21

·1·· · · A· ··I would assume that she provided that phone

·2··[sic] number.

·3·· · · Q· ··Why -- why would you assume that?

·4·· · · A· ··I don't know where else Comcast would have got

·5··that Social Security number.

·6·· · · Q· ··What -- what proofs or evidence would you show

·7··a jury that Ms. Smith provided Social Security 5694 to

·8··Comcast?

·9·· · · A· ··I don't have any proof, other than every other

10··single account that we receive from Comcast comes with a

11··Social Security number in the file that's received from

12··the customer.··I would like to think that Comcast isn't

13··making up Social Security numbers for consumers.

14·· · · Q· ··So it's fair to say you have no proof?

15·· · · A· ··Correct.

16·· · · Q· ··All right.··Now, going to the next line, we

17··already talked about the -- the scrub for previous

18··litigation, correct?··We did that?

19·· · · A· ··Yes, sir.

20·· · · Q· ··Okay.··Let's talk about that scrub for that

21··phone number, (313) 523-2310.··Do you see that line?

22·· · · A· ··Yes.

23·· · · Q· ··Okay.··What's that all about?

24·· · · A· ··File sent to IDA for cell phone scrub for cell

25··phone number.

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 22 of 45 Pg ID 1083 
Page 22

·1·· · · · ·· It means that we're sending the phone number to

·2··our -- our scrub vendor to determine the phone type for

·3··this phone number.

·4·· · · Q· ··Why is that important?

·5·· · · A· ··We like to know the type of phone number to

·6··make sure that we're complying with calling.

·7·· · · Q· ··Explain that.

·8·· · · A· ··If it's a cell phone, we'd call HCI, human

·9··intervention, and if it's -- it wasn't, we would have a

10··different dialing method.

11·· · · Q· ··What would that dialing method be?

12·· · · A· ··It would be our RPC dialer.

13·· · · Q· ··So HCI is for -- stands for Human Call

14··Initiator?

15·· · · A· ··Yes, sir.

16·· · · Q· ··Okay.··And the RPC, so we know what we're

17··talking about, is the Right Party Connect?

18·· · · A· ··Yes, sir.

19·· · · · · · · ·· (Cell phone interruption.)

20·· · · · ·· MR. THOMAS:··Excuse me.··Excuse me.··Thank you.

21··BY MR. THOMAS:

22·· · · Q· ··And, now, the next line in the case, Scrub for

23··phone number (949) 154-1313, correct?

24·· · · A· ··Yes.

25·· · · Q· ··Would that be the same thing, looking to see

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 23 of 45 Pg ID 1084 
Page 23

·1··whether or not it's a cell phone or a landline?

·2·· · · A· ··Yes, sir.

·3·· · · Q· ··What were the results of those two scrubs, the

·4··first one for the 313 area code, (313) 523-2310?

·5·· · · A· ··One second.··It's appears that it resulted in a

·6··match, and the phone number was updated to a cell due to

·7··match.

·8·· · · Q· ··And the next one, the (949) 154-1313?

·9·· · · A· ··Sorry.··I'm trying to find that notation.··I

10··don't see where that was returned.··I don't know if it's

11··due to the -- it doesn't appear to be a valid telephone

12··number.

13·· · · Q· ··So in your records, you -- you have a incorrect

14··number, phone number, it would appear?

15·· · · A· ··It appears.

16·· · · Q· ··Okay.··Just like it appears that the Social

17··Security number is incorrect, correct?

18·· · · A· ··Yes.

19·· · · Q· ··All right.··Now, the line 23/14, the 6:37,

20··Fusion, send, send, Innovis, RPC, tell me about that

21··one.··Read it, and then tell me -- explain it to me.

22·· · · A· ··Fusion, send, Innovis RPC service data ordered,

23··I'm not exactly sure what that means.

24·· · · Q· ··Okay.··The next line is a home number,

25··(313) 918-7482, and that was added as a home number?

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 24 of 45 Pg ID 1085 
Page 24

·1·· · · A· ··Yes, sir.

·2·· · · Q· ··So what system would you use to contact that?

·3··Would that be the RPC?

·4·· · · A· ··Yes, sir.

·5·· · · Q· ··The next line, (313) 718-5938 added, and it

·6··says home, correct?

·7·· · · A· ··Yes, sir.

·8·· · · Q· ··And so that would be RPC as well, correct?

·9·· · · A· ··Correct.

10·· · · Q· ··And that -- that phone number is Lakisha Smith

11··cell phone, correct?

12·· · · · ·· MS. EMERY:··Object to the form.

13·· · · A· ··I don't know.

14·· · · Q· ··You don't know?

15·· · · A· ··(Shakes head.)

16·· · · · · (Plaintiff's Exhibit 7 was marked for

17··identification.)

18··BY MR. THOMAS:

19·· · · Q· ··I'm showing you what has been previously marked

20··as Exhibit -- Plaintiff's Exhibit 7, and let the record

21··reflect that that is Mrs. Smith's metroPCS call log.

22·· · · · ·· And do you see the incoming call on the first

23··line on 7/18/2014, destination number (313) 718-5938?

24·· · · A· ··Yes.

25·· · · Q· ··Do you see that?

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 25 of 45 Pg ID 1086 
Page 25

·1·· · · A· ··Yes, sir.

·2·· · · Q· ··Would you agree with me that that's a cell

·3··phone number?

·4·· · · · ·· MS. EMERY:··Object to the form.

·5·· · · A· ··I guess.··I don't -- this isn't --

·6··BY MR. THOMAS:

·7·· · · Q· ··All right.

·8·· · · A· ··-- this isn't my record, so I don't know for

·9··this to be --

10·· · · Q· ··Okay.··I don't want you to guess.··If you -- if

11··you don't know, that's fine.

12·· · · · ·· MS. EMERY:··Steve, we're not -- I don't think

13·· · · we're disputing that that's her cell phone, if that

14·· · · helps.

15·· · · · ·· MR. THOMAS:··All right.

16·· · · · ·· MS. EMERY:··That way you don't have to ask her

17·· · · if she agrees that's her cell phone number.··We'll

18·· · · stipulate that that's her cell phone number.

19·· · · · ·· MR. THOMAS:··Fair enough.··Moving on.

20·· · · · ·· MS. EMERY:··Yes.

21··BY MR. THOMAS:

22·· · · Q· ··Okay.··Based on that stipulation, that that is

23··Lakisha Smith's cell phone number, but it's listed in

24··your notes as a home line, correct?

25·· · · A· ··Yes.

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 26 of 45 Pg ID 1087 
Page 26

·1·· · · Q· ··Why is that?

·2·· · · A· ··I can't tell you why that is.

·3·· · · Q· ··Going to page two of five, are you familiar

·4··with that?··Do you see it?

·5·· · · A· ··What page?··Yes.

·6·· · · Q· ··Two of five.

·7·· · · A· ··Yes.

·8·· · · Q· ··LiveVox began the campaign on June 25th, 2014,

·9··correct?

10·· · · A· ··What date?

11·· · · Q· ··June 25th, 2014.

12·· · · A· ··Correct.··Yes.

13·· · · Q· ··All right.··How did Stellar get the number that

14··we just stipulated, (313) 718-5938?··How did they get

15··that number?

16·· · · A· ··From a scrub.

17·· · · Q· ··Okay.··What -- what scrub?··And explain, show

18··me.

19·· · · A· ··A skip tracing that's --

20·· · · Q· ··Where are you -- where are you referring to in

21··the notes that will show us a skip trace?

22·· · · A· ··I just see where the number was added, so --

23·· · · Q· ··What -- where would that be?

24·· · · A· ··Page one of five.

25·· · · Q· ··Yes.

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 27 of 45 Pg ID 1088
Page 27

·1·· · · A· ··On the 6/23 note at 8:02 p.m.

·2·· · · Q· ··Added, and you got it from a -- from a skip

·3··trace?

·4·· · · A· ··Yes, sir.

·5·· · · Q· ··Okay.··So Ms. Smith did not provide that

·6··number?

·7·· · · A· ··You are correct.

·8·· · · Q· ··And let's -- let's go back to page two of five

·9··when the campaign started.

10·· · · · ·· Where was the first time, based on the

11··campaign, that you contacted Ms. Smith using LiveVox?

12·· · · A· ··Like an actual contact or just an attempt?

13·· · · Q· ··Attempt on the -- that cell phone number.

14·· · · A· ··One second.

15·· · · Q· ··Take your time.

16·· · · A· ··It appears 7/18.

17·· · · Q· ··2014?

18·· · · A· ··Yes, sir.

19·· · · Q· ··And the time, what time?

20·· · · A· ··12:48 p.m.

21·· · · Q· ··So that's the first contact, based on your

22··records, right?

23·· · · A· ··Yes, sir.

24·· · · Q· ··And there was no answer, correct?

25·· · · A· ··Correct.

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 28 of 45 Pg ID 1089 
Page 28

·1·· · · Q· ··What campaign was used for that phone call?

·2·· · · A· ··It says, RPC AM- -- AMDOCS, under score,

·3··seconds.

·4·· · · Q· ··What -- what does that mean?

·5·· · · A· ··It's the name of the campaign.

·6·· · · Q· ··Okay.··So you agree with me that that was a

·7··call to a cell phone, correct?

·8·· · · A· ··Yes.

·9·· · · Q· ··Based upon that -- that campaign, RPC, we

10··stipulated that that was automatic telephone dialing

11··system, correct?

12·· · · A· ··Yes.

13·· · · Q· ··And you did not have the plaintiff's consent to

14··call her on that number, correct?

15·· · · A· ··Correct.··I will say, however, though, that the

16··actual phone records could be different than what this

17··says.··I'm just throwing that out there.

18·· · · · ·· MR. THOMAS:··I'll move to strike as

19·· · · nonresponsive.

20··BY MR. THOMAS:

21·· · · Q· ··Now, the campaign moved from a RPC to a HCI,

22··correct?

23·· · · A· ··Are we talking about the 5938 phone number?

24·· · · Q· ··Yes.··Only -- only going to talk about the 5938

25··number for purposes of this deposition.··Okay?

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 29 of 45 Pg ID 1090 
Page 29

·1·· · · A· ··Yes, sir.

·2·· · · Q· ··All right.··How about August 13th?

·3·· · · A· ··Yes.

·4·· · · Q· ··All right.··So why did the campaign change from

·5··a Right Party Connect to a Human Contact Initiator

·6··campaign?

·7·· · · A· ··I -- I don't know.

·8·· · · Q· ··Okay.··Now, the Human Contact Initiator, that

·9··campaign, it would involve, on your end, uploading

10··numbers in a file to -- to LiveVox, correct?

11·· · · · ·· MS. EMERY:··Object to the form.

12·· · · A· ··I'm not the dialer.

13··BY MR. THOMAS:

14·· · · Q· ··Okay.

15·· · · A· ··I -- I don't know how the dialer runs.

16·· · · Q· ··All right.··Do you know how the -- is it -- is

17··it not true that the Human Contact Initiator would --

18··would click a button on the screen?

19·· · · A· ··That's correct.

20·· · · Q· ··Okay.··And on that screen there's no names,

21··correct?

22·· · · A· ··It's a telephone number.

23·· · · Q· ··A telephone number?

24·· · · A· ··Yes.

25·· · · Q· ··But no names?

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 30 of 45 Pg ID 1091 
Page 30

·1·· · · A· ··Correct.

·2·· · · Q· ··Okay.··And there's no notes, correct?

·3·· · · A· ··Correct.

·4·· · · Q· ··And there's no account information, correct?

·5·· · · A· ··Correct.

·6·· · · Q· ··Such as, We've already called this person five

·7··times today; there's no information like that?

·8·· · · A· ··No.··But there's logic on our dialer that

·9··wouldn't allow an account to load up if dialed five

10··times.

11·· · · Q· ··Okay.··But there's nothing on the -- on the --

12··on the clicker -- clicker -- what do you -- what do you

13··call the person who does the actually clicking?

14·· · · A· ··We -- we refer to them as clickers.

15·· · · Q· ··Clickers?

16·· · · A· ··Uh-huh.

17·· · · Q· ··Okay.··So for the purpose of the deposition,

18··we're going to refer to them as clickers.

19·· · · A· ··That's fine.

20·· · · Q· ··How many clickers work at Stellar Recovery?

21·· · · · ·· MS. EMERY:··Object to the form.

22·· · · A· ··I don't know.

23··BY MR. THOMAS:

24·· · · Q· ··Have you ever observed a clicker working?

25·· · · A· ··Uh-huh.··Yes.

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 31 of 45 Pg ID 1092 
Page 31

·1·· · · Q· ··Okay.··What do they do?

·2·· · · A· ··They click phone records.

·3·· · · Q· ··That -- that number we're talking about?

·4·· · · A· ··Correct.

·5·· · · Q· ··On the screen?

·6·· · · A· ··Yes.

·7·· · · Q· ··Do they do anything else?

·8·· · · A· ··They also -- they collect accounts and --

·9·· · · Q· ··But as they're -- they're doing their clicking

10··duty?

11·· · · A· ··No.··It's -- it's separate.

12·· · · Q· ··Okay.··So --

13·· · · A· ··They have times, designated times.

14·· · · Q· ··Okay.··So there's a designated time that --

15··that the clicker is only clicking numbers?

16·· · · A· ··Correct.

17·· · · Q· ··Okay.··Not taking calls?

18·· · · A· ··Correct.

19·· · · · ·· MS. EMERY:··I'm going to object to the form.

20·· · · · ·· Can you just specify the time period for her,

21·· · · please?

22··BY MR. THOMAS:

23·· · · Q· ··What time period were you referring to in your

24··answer?

25·· · · A· ··As recent as this month.

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 32 of 45 Pg ID 1093 
Page 32

·1·· · · Q· ··Okay.

·2·· · · · ·· MR. THOMAS:··Is that fine?

·3·· · · · ·· MS. EMERY:··I think so.··But the system --

·4·· · · let's go off the record for a minute.

·5·· · · · ·· MR. THOMAS:··Okay.··Definitely.

·6·· · · · · · · · (Discussion off the record.)

·7·· · · · ·· MR. THOMAS:··Back on the record.

·8··BY MR. THOMAS:

·9·· · · Q· ··Back in 2014, it was a clicker clicking the

10··number?

11·· · · A· ··Yes, sir.

12·· · · Q· ··All right.··Going back to Exhibit Number 9, is

13··that the contract?

14·· · · A· ··Yes.

15·· · · Q· ··Okay.··The second page, I know they're not

16··numbered, but it would be under Performance

17··Requirements, 5, and then 5.3, the first line reads, To

18··the extent that vendor is authorized by client to gain

19··remote access to perform the obligations as under the

20··contract.

21·· · · · ·· So you had -- you had access to Comcast's

22··system for Lakisha to collect on, correct?

23·· · · A· ··No.

24·· · · Q· ··Okay.··Going back to Exhibit Number 8, I want

25··to go to page three of five.··And -- oh, no, let's --

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 33 of 45 Pg ID 1094 
Page 33

·1··let's back up.

·2·· · · · ·· On two of five, who is -- who is CRUPD?

·3·· · · A· ··What date is that?

·4·· · · Q· ··That'll be at the bottom portion under the

·5··column for action.··It's CRUPD.

·6·· · · A· ··That's just a user.··It's -- it's not an actual

·7··person.··It's when we upload a file to the credit

·8··bureau.

·9·· · · Q· ··Who's that -- who's that person?

10·· · · A· ··It isn't a person.··That's just --

11·· · · Q· ··That's not a person's name?

12·· · · A· ··No.

13·· · · Q· ··Okay.··Okay.

14·· · · · ·· Let's -- let's go ahead and go to page three of

15··five.··And I want to call your attention to the -- the

16··August 25th, 2014, at 2:40 p.m.

17·· · · · ·· Do you see that line?

18·· · · A· ··Yes.

19·· · · Q· ··Who is Jen Grove?

20·· · · A· ··She would have been a collector.

21·· · · Q· ··Do you know her?

22·· · · A· ··No.

23·· · · Q· ··Is it fair to say she doesn't work there now?

24·· · · A· ··I don't know.

25·· · · Q· ··She could have worked there; you just don't

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 34 of 45 Pg ID 1095 
Page 34

·1··know?

·2·· · · A· ··I don't know if she still currently works

·3··there.··I know if her notes are in the account, yes, she

·4··absolutely worked there at that day at that time.

·5·· · · Q· ··Okay.

·6·· · · A· ··I don't know if she still works for us.

·7·· · · Q· ··Fair enough.··While we're on the same subject,

·8··there's a B. Smith that appears on four of five.

·9·· · · · ·· Who is B. Smith?

10·· · · A· ··She's Belinda Smith.

11·· · · Q· ··Okay.··Does Belinda Smith still work with

12··Stellar?

13·· · · A· ··No.

14·· · · Q· ··Is there a -- is there a high turnover rate for

15··the collectors?

16·· · · A· ··Yes.

17·· · · Q· ··And when you say high turnover rate, what do

18··you mean by that?

19·· · · A· ··It's -- it's probably -- I would want to say --

20··I couldn't give you the actual percentage.

21·· · · Q· ··Please.

22·· · · A· ··I -- I don't know the actual percentage.

23·· · · Q· ··Oh, you don't.··Okay.

24·· · · A· ··But it's a -- it's a high turnover rate.

25·· · · Q· ··A high turnover rate?

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 35 of 45 Pg ID 1096 
Page 35

·1·· · · A· ··Yes.

·2·· · · Q· ··Why do you think so?

·3·· · · A· ··It's just the industry.

·4·· · · Q· ··Stressful?

·5·· · · A· ··I wouldn't say it's because it's stressful.

·6·· · · Q· ··Low pay?

·7·· · · A· ··I wouldn't say because it's low pay.

·8·· · · Q· ··What do you say?

·9·· · · · ·· MS. EMERY:··Object to the form.

10·· · · A· ··It's not a career for them.··It's a call

11··center.··It's not just collections.··It's -- most call

12··centers, if you look at -- research call center turnover

13··rates, it's not just collections.

14··BY MR. THOMAS:

15·· · · Q· ··Fair enough.··Going back to page three of five.

16··Are you on that page, ma'am?

17·· · · A· ··No.··I am now.

18·· · · Q· ··Okay.··And that August 25th, 2014, that Jen

19··Grove --

20·· · · A· ··Yes.

21·· · · Q· ··-- it says in the comments section, Mail return

22··set on debtor.

23·· · · · ·· What is -- what's that?··What's that all about?

24·· · · A· ··As -- it appears as though she marked the

25··address as bad.

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 36 of 45 Pg ID 1097 
Page 36

·1·· · · Q· ··She marked the -- what do you mean by that,

·2··please?

·3·· · · A· ··She made the address to be a bad address on our

·4··system of record.

·5·· · · Q· ··I -- I'm not following.··Just it's --

·6·· · · A· ··So she made -- there's a -- I guess, to be very

·7··detailed, there's a button on Latitude that says, Good

·8··address.

·9·· · · · ·· And if you click it, it'll change to bad

10··address, if as that is not a good address for Lakisha

11··Smith.

12·· · · Q· ··So is that what happened here?

13·· · · A· ··Yes.

14·· · · Q· ··She just hit the wrong button?

15·· · · · ·· MS. EMERY:··Object to the form.

16·· · · A· ··I don't know if she hit the wrong button.··I'm

17··telling you that's the button that she hit.··I don't

18··know if it was the wrong button.

19··BY MR. THOMAS:

20·· · · Q· ··Okay.··Did Stellar, in fact, send a letter to

21··Ms. Smith?

22·· · · A· ··Yes.

23·· · · · ·· MR. THOMAS:··Okay.··Can we go off the record,

24·· · · please?

25·· · · · · · · · (Discussion off the record.)

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 37 of 45 Pg ID 1098 
Page 37

·1·· · · · ·· MR. THOMAS:··Okay.··Back on the record.

·2··BY MR. THOMAS:

·3·· · · Q· ··Okay.··The campaign closed -- based on

·4··Exhibit 8, it was closed on July 29th, 2015, correct?

·5·· · · A· ··The account?

·6·· · · Q· ··The account.

·7·· · · A· ··Yes, sir.

·8·· · · Q· ··So there -- there should have been no contact

·9··after that point with Lakisha Smith on this account,

10··correct?

11·· · · A· ··On this account, yes.

12·· · · · · (Plaintiff's Exhibit 10 was marked for

13··identification.)

14··BY MR. THOMAS:

15·· · · Q· ··Okay.··I'm showing you what's been previously

16··marked as Plaintiff's Exhibit 10.··And I'll represent to

17··you that's a screen shot from Lakisha Smith, showing

18··that Stellar contacted her on June the 6th, 2016, this

19··year, a little over a week ago, eight days ago.

20·· · · · ·· Do you know why Stellar would call my client on

21··her cell phone eight days ago?

22·· · · A· ··Yes.

23·· · · Q· ··Why would they call her on her cell phone eight

24··days ago?

25·· · · A· ··There was an account placed in our office with

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 38 of 45 Pg ID 1099 
Page 38

·1··someone else's name that was associated to this

·2··telephone number, so we weren't calling for Lakisha

·3··Smith.

·4·· · · Q· ··Let -- let -- let -- okay.

·5·· · · · ·· Who -- who -- when you attempted to make this

·6··call on June -- or May the -- made the call on June the

·7··6th of this year, who were you attempting to contact?

·8·· · · A· ··I don't know the name off the top of my head.

·9·· · · Q· ··Do you have any account notes that would

10··reflect this?

11·· · · A· ··Yes.

12·· · · · ·· MR. THOMAS:··I'm going to go off the record

13·· · · once again.

14·· · · · · · · · (Discussion off the record.)

15·· · · · ·· MR. THOMAS:··Okay.··Back on the record.

16·· · · · ·· MS. EMERY:··I can, you know -- I can -- the

17·· · · best I can do is give you, you know, the information

18·· · · that we received associated with this phone number.

19·· · · · · (Plaintiff's Exhibit 11 was marked for

20··identification.)

21··BY MR. THOMAS:

22·· · · Q· ··Showing you Exhibit 11.··Based on your prior

23··testimony, would you agree that Stellar contacted my

24··client on June -- June the 2nd on her cell phone?

25·· · · A· ··Yes.··Based off this screen shot, yes.

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 39 of 45 Pg ID 1100 
Page 39

·1·· · · · ·· MR. THOMAS:··Okay.··What was that now --

·2·· · · · · (Plaintiff's Exhibit 12 was marked for

·3··identification.)

·4··BY MR. THOMAS:

·5·· · · Q· ··I'm showing you what has been previously marked

·6··as Plaintiff's Exhibit 12.··Would you agree with me that

·7··Stellar contacted my client on her cell phone on

·8··May 27th of this year?

·9·· · · A· ··Yes.

10·· · · · · (Plaintiff's Exhibit 13 was marked for

11··identification.)

12··BY MR. THOMAS:

13·· · · Q· ··And showing you Exhibit 13.··Would you agree

14··that Stellar contacted my client on her cell phone on

15··May 26th of this year at 4:05 p.m.?

16·· · · A· ··Yes.

17·· · · Q· ··Okay.··You can hand all those back to me, the

18··screen shots.

19·· · · · ·· What system was used, what campaign was used to

20··contact my client in the recent weeks?

21·· · · A· ··I don't know.··I don't have that information in

22··front of me.

23·· · · Q· ··Can you get that for me?

24·· · · A· ··Yes.

25·· · · Q· ··Okay.··So would it be fair to say it would be

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 40 of 45 Pg ID 1101 
Page 40

·1··either Right Party Connect or it would be a Human Call

·2··Initiator?

·3·· · · A· ··Yes, sir.

·4·· · · Q· ··Are those the only two campaigns that Stellar

·5··uses?

·6·· · · A· ··No.

·7·· · · Q· ··What other campaigns?

·8·· · · A· ··Quick Connect, which is like RPC.

·9·· · · · ·· MS. EMERY:··Can we go off the record for a

10·· · · second?

11·· · · · ·· MR. THOMAS:··Yeah.

12·· · · · · · · · (Discussion off the record.)

13·· · · · ·· MR. THOMAS:··There was an entry that -- back on

14·· · · the record again.

15··BY MR. THOMAS:

16·· · · Q· ··There was an entry that Stellar made a report

17··to Lakisha Smith's credit report.

18·· · · A· ··Yes.

19·· · · Q· ··When -- when was that?

20·· · · A· ··7/28/2014.

21·· · · Q· ··And that would have been after she had filed

22··bankruptcy, correct?

23·· · · A· ··Yes.

24·· · · Q· ··And what -- what notation -- well, what

25··information was submitted to the credit bureaus?

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 41 of 45 Pg ID 1102 
Page 41

·1·· · · A· ··What do you -- I'm sorry.··What do you mean?

·2·· · · Q· ··Okay.··Reading, it says, Open collection

·3··account submitted in credit bureau report file.

·4·· · · · ·· What information would have been submitted to

·5··or in credit bureau report file?

·6·· · · A· ··It would have been the balance, the customer

·7··name, our reference number.

·8·· · · Q· ··And that -- that -- that she was -- she owed

·9··500 and --

10·· · · A· ··$19.71, yes.

11·· · · Q· ··That would have been submitted to the bureaus?

12·· · · A· ··Yes, sir.

13·· · · Q· ··On that date and time?

14·· · · A· ··Yes, sir.

15·· · · Q· ··All three?

16·· · · A· ··Yes, sir.

17·· · · Q· ··The three majors?

18·· · · A· ··Yes, sir.

19·· · · Q· ··And -- and -- and what are the three majors?

20·· · · A· ··Transunion, Equifax, and Experian.

21·· · · · ·· MR. THOMAS:··I have no further questions.

22·· · · Thank you.

23·· · · · ·· MS. EMERY:··I don't have any.

24·· · · · ·· THE COURT REPORTER:··Read or waive?

25·· · · · ·· MS. EMERY:··Can I keep these?··Because I don't

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 42 of 45 Pg ID 1103 
Page 42

·1·· · · have any.

·2·· · · · ·· MR. THOMAS:··I'll make sure the court reporter

·3·· · · gets them.

·4·· · · · ·· Thank you for your time.

·5·· · · · ·· THE WITNESS:··You're welcome.··Thank you.

·6·· · · · ·· THE COURT REPORTER:··Read or waive?

·7·· · · · ·· THE WITNESS:··I'm sorry?

·8·· · · · ·· THE COURT REPORTER:··Read or waive?

·9·· · · · ·· MS. EMERY:··We'll waive.

10·· · · · · · · · · ·· (Witness excused.)

11·· · · · · (Deposition was concluded at 11:04 a.m.)

12·· · · · · · · · · · · · · -· ·-· ·-

13··

14··

15··

16··

17··

18··

19··

20··

21··

22··

23··

24··

25··

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 43 of 45 Pg ID 1104 
Page 43

·1·· · · · · · · · · · · ·· CERTIFICATE

·2··

·3··STATE OF FLORIDA)

·4··COUNTY OF DUVAL )

·5··

·6·· · · · · I, Heather Manazir, a Notary Public in and for

·7··the State of Florida at Large, do hereby certify that,

·8··pursuant to Subpoena to Testify at a Deposition in a

·9··Civil Action in the above-entitled cause, I sat at

10··Jacksonville Area Legal Aid, Inc., 126 West Adams

11··Street, Jacksonville, Duval County, Florida, Florida, at

12··the time stated hereinabove, and was attended by STEPHEN

13··A. THOMAS, Esquire, 645 Griswold Street, Suite 1360,

14··Detroit, Michigan, attorney for the Plaintiff; ALISON

15··EMERY, Esquire, of the law firm of Assurance Law Group,

16··3731 Hendricks Avenue, Jacksonville, Florida, attorney

17··for the Defendant; and the witness, RACHEL FRADY, who

18··was first duly sworn to testify the truth and was

19··carefully examined, thereupon testified as is

20··hereinabove shown, and that the testimony of the said

21··witness and proceedings herein were reduced to

22··typewriting under my personal supervision and are a true

23··and correct copy of my stenographic notes and electronic

24··recording.

25·· · · · · I further certify that pursuant to stipulation

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 44 of 45 Pg ID 1105 
Page 44

·1··by and among counsel for the respective parties, and by

· ·

·2··the witness, that the reading and signing of the

· ·

·3··deposition were waived.

· ·

·4·· · · · · I further certify that I am neither of counsel

· ·

·5··nor attorney to either of the parties in said cause nor

· ·

·6··interested in the event of the said cause.

· ·

·7·· · · · · I further certify that I have delivered the

· ·

·8··original of said deposition to STEPHEN A. THOMAS,

· ·

·9··Esquire, 645 Griswold Street, Suite 1360, Detroit,

· ·

10··Michigan, attorney for the Plaintiff, for his

· ·

11··safekeeping.

· ·

12··

· ·

13·· · · · · WITNESS my hand and official seal this 27th day

· ·

14··of June, 2016.

· ·

15··

· ·

16··

· ·

17··

· ·

18·· · · · · · · · · · Heather Manazir, RPR, FPR

· · · · · · · · · · · Notary Public - State of Florida

19·· · · · · · · · · · My Commission expires:··8/14/2018

· · · · · · · · · · · My Commission No.:··FF 129393

20··

· ·

21··

· · · · · · Personally Known

22··

· · · · · · Professionally Known

23··

· · · X· · ·Produced Identification of Work Picture ID Card

24·· · · · · (Driver's License not provided per Counsel for

· · · · · ·· Defendant)

25··

Jacksonville Court Reporting, Inc.

2:15-cv-11717-SJM-MKM Doc # 44-2 Filed 07/14/16 Pg 45 of 45 Pg ID 1106