### RECORD IMPOUNDED

SUPERIOR COURT OF NEW JERSEY APPELLATE DIVISION DOCKET NO. A-2616- 21 J.P., Plaintiff-Appellant,

v. J.N., Defendant-Respondent.

_______________________ _

Submitted December 12, 2023

– Decided January 17, 2024 Before Judges Whipple, Mayer, and Enright. On appeal from the Superior Court of New Jersey, Law Division, Essex County, Docket No. L-9584- 21. J.P., appellant pro se. Wilentz, Goldman & Spitzer, PA, attorneys for respondent (John Edmund Hogan, Jr . and Pierre Chwang, of counsel and on the brief).
PER CURIAM NOT FOR PUBLICATION WITHOUT THE APPROVAL OF THE APPELLATE DIVISION This opinion shall not "constitute precedent or be binding upon any court. " Although it is posted on the internet, this opinion is binding only on the parti es in the case and its use in other cases is limite d. R. 1:36- 3.2 A- 2616

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Plaintiff J.P. 1 appeals from a March 18, 2022 order dismiss ing his complaint with prejudice and denying his cross-moti on for summary judgment against defendant J.N. We affirm.

I. We glean the facts from the motion record. Plainti ff is defendant's son. In 2015, plaintiff filed a Law Division complaint a gainst defendant, asserting various tort claims (underlying litigation). Follo wing the exchange of discovery, including expert reports, the parties en gaged in settlement negotiations through counsel. On September 14, 2017, as the underlying litigation continued , defendant purchased a condominium in Spring Lake , with a $68,250 down payment and a $174,250 mortgage. 2 The deed to the condomini um was recorded on October
10 , 2017, and titled in the name of defendant, his wi fe, and son, with defendant and his wife each holding a 49.5% interest in the property , and defendant's son

own ing the remaining 1% interest.

1 Because the record is sealed, we use the parties' i nitials. R. 1:38

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2 Plaintiff mistakenly claims defendant purchased t he condominium on September 29, 2017.3 A- 2616

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The record reflects the parties and their counsel a ttended a settlement conference before Judge Mayra V. Tarantino on Octob er 4, 2017, but were unable to resolve the matter. Further, the record shows the parties were scheduled to proceed to a Lopez hearing 3 on July 16, 2018. According to an October 9, 2018 certification filed by plaintiff's former counsel in the underlying litigation, "[s]everal weeks before the [Lopez] hea ring[,] the case [was] conferenced by Judge Tarantino," who attempted "[t]o address the gap between [p]laintiff's settlement demand and [d]efendant's [ then settlement] offer." Plaintiff's former counsel also stated in his Octob er 9 certification that during th at 2018 conference, Judge Tarantino "recommended . . . [d] efendant provide [p]laintiff's attorney with a schedule of a ssets and liabilities for attorney's eyes only . . . . to substantiate [d]efe ndant's claim that his ability to settle was limited by his assets." In the same certification, plaintiff's former attorney stated, "[d]efendant previously sent me a financial statement listing [d]efendant's assets and liabi li ties for my eyes only. I have not shared it with my client." Counsel also certified that based on additional set tlement

3 A Lopez hearing is meant to provide an opportunity fo r the "equitable claims of opposing parties [to] be identified, evaluated and weighed" by the trial court before determining the date upon which a plaintiff became aware of the facts giving rise to the cause of action. Lopez v. Sawyer, 62 N.J. 267, 274 (1973).4 A- 2616

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discussions on July 11, 2018 between himself and de fendant's then attorney, 4 they "communicated to the [c]ourt . . . the case wa s resolved[,] and the Lopez hearing was adjourned." The parties were unable to finalize the terms of a settlement until the following year, although defendant's attorney provi ded plaintiff's former counsel with a draft settlement agreement in August 2018. Then, w ith no admission of liability by defendant, the parties fu lly executed a confidential settlement agreement (CSA) on November 26, 2019. Under the CSA, defendant agreed to pay plaintiff th e sum of $225,000, in three installments over the course of two years. T he first payment of $120,000 was due five days after the CSA was executed; the s econd installment of $52,500

was due one year later; and the final payment of $52,500 w as due in November 2021. The CSA also provided:

[Defendant] shall maintain a Last Will and Testamen t (Will) which shall provide that [plaintiff] shall b e entitled to inherit one-third (1/3 or 33.334%) of [defendant]'s probated estate as valued as of the t ime that said Will is filed for probate . . . . In the event . . . that any Will . . . fails to contain the aforementi oned term[,] . . . the executor or administrator of the estate shall take the necessary measures to enforce the requirements of this [ CSA ]. . . . It is understood that

4 Defendant's counsel during the underlying litigat ion also represents defendant on the current appeal.5 A- 2616

- 21 any . . . expenditures, . . . or actions by [defend ant] done prior to the [effective date of the CSA] shall not be a basis to contest the value of [defendant's] pr obated estate. [(Emphasis added).] Additionally, under the CSA , plaintiff agreed to "release[] and discharge[]" defendant

from all known and unknown charges, complaints, claims, grievances, liabilities, . . . damages, act ions, causes of action, . . . and punitive damages, of an y nature whatsoever, . . . which [plaintiff] has, or may have had, against [defendant], whether or not appar ent or yet to be discovered, or which may hereafter develop, for any acts or omissions related to or ar ising from . . . [the underlying litigation] between [the parties] during their lifetime up to and including the [e]ffective [d]ate [of the CSA, ] but for breach or fraud relative to this settlement. [( Emphasis added).] Claims were defined under the CSA, in part, as : [A]ny and all actual . . . or alleged past or prese nt claim, action, . . . cause of action and any other asserti on of liability of any kind, . . . whether currently know n or unknown , . . . and whether sounding in tort, . . . or common law cause of action of any sort. Without limiting the generality of the foregoing, [ " ] Claim [ " ] shall include any past or current claim in law, equity, contract, tort, . . . or any other claim . . . whet her known or unknown, which [plaintiff] . . . may hold arisin g from any and all allegations between the [parties] from the6 A- 2616

- 21 beginning of time through the effective date [of th e CSA] . . . which might not yet have accrued. [(Emphasis added).] Finally, the CSA confirmed defendant provided a lis t of assets and liabilities to plaintiff's former counsel "for [cou nsel's] eyes only" before the parties executed the CSA. Specifically, the CSA st ated:

In entering into this [CSA] , the [p]arties acknowledge that they have relied upon the legal advice of thei r respective attorneys , . . . that [the CSA's] terms are fully understood and voluntarily accepted by them, and th at, other than the consideration set forth herein, no promises or representations of any kind have been m ade to them by the other [p]arty. The [p]arties repres ent and acknowledge that in executing this [CSA,] they did not rely, and have not relied, upon any representation or statement, whether oral or written, made by the oth er [p]arty or by that other [p]arty's . . . attorneys with regard to . . . this [CSA] or otherwise but for the provision of [defendant's] balance sheet to . . . [plaintiff's attorney] for his eye's only, at the recommendation and advice of the [c]ourt, which was provided . . . to enable [plaintiff] to discern [defendant's] liquidity and ability to pay a settle ment. [( Emphasis added).] Consistent with the CSA, defendant made his last se ttlement payment to plaintiff on November 19, 2021. Less than a month later, plaintiff filed a complaint against defendant, alleging defendant "pe rpetrated a fraudulent

conveyance " by purchasing the Spring Lake condominium in Septem ber 20177 A- 2616

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"in clear anticipation of the [October 4, 2017] settleme nt conference with Judge Tarantino," knowing the judge "previously requested that . . . [d]efendant produce his balance sheet for the conference." Plaintiff also alleged defendant bought the condominium , knowing "his liquidity for paying a settlement could be determined" at the October 4 conference. Further, plaintiff claimed that given the timing of defendant's purchase, "[a]ny reasonab le person would agree[ defendant] did this to appear less liquid to pay a higher settlement amount" to plaintiff. Additionally, plaintiff asserted , "[b]ased on the financial information[ defendant provided to plaintiff's atto rney, p]laintiff lowered his demand" for settlement, and "was deceived into a de ficient settlement." Finally, plaintiff alleged defendant "breached the terms of the [CSA] by not providin g proof that he created, and [wa]s maintaining a Last Will [and] Testament." Defendant disputed plaintiff's recollection of when Judge Tarantino recommended that defendant disclose his financial c ircumstances , claiming Judge Tarantino made this recommendation in June 2018, weeks before the July
2018 Lopez hearing was scheduled to proceed, and several months after defendant bought the condominium. 5

5 On appeal, defendant contends plaintiff's own attor ney confirmed in his October 9, 2018 certification that Judge Tarantino "suggested [the] financial8 A- 2616

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In January 2022, defendant's attorneys sent a "friv olous litigation letter" to plaintiff's counsel, per Rule 1:4 -8(b), asking that plaintiff withdraw his complaint with prejudice. Plaintiff declined the request. The next month, defendant moved to dismiss plaintiff's complaint pu rsuant to Rule 4:6 -2(e). 6 Plaintiff cross-moved for summary judgment against defendant, arguing plaintiff was fraudulently induced to enter into th e CSA. On March 18, 2022, Judge Robert H. Gardner heard ar gument on the parties' cross-applications after briefly summariz ing the facts of the case. The judge noted the underlying litigation was resolved under a "confidential agreement . . . in November of 2019. . . . [and] th e last payment [due under the CSA] was made . . . [i]n November of 2021." The ju dge continued:

The allegations in this case indicate that . . . defendant purchased a condo[minium] on [September 14, 2017]. . . . [P]laintiff claims it was . . . bo ught with money that could have been used in settlement in th e

disclosure[] a few weeks prior to the July 16, 2018 " Lopez hearing, and "[i]ndeed, the disclosure was made in June 2018, no t 2017[,] as pled by [p]laintiff." Defendant also argues plaintiff mist akenly relies on a "supposed April 11, 2019 draft brief prepared by former couns el for [p]laintiff" to support his faulty argument that Judge Tarantino made the r ecommendation in 2017 in anticipation of the October 4, 2017 settlement conf erence.

6 This Rule allows for dismissal of a complaint for "failu re to state a claim upon which relief can be granted." R. 4:6 -2(e).9 A- 2616

- 21 [20]15 case, and it was, apparently . . . not discl osed during the pendency of the 2015 case. Defense disputes this. In fact, [defendant] indicates [the Spring Lake] condo[minium] was disclosed as part of the . . . June 2018 disclosure made on the balance sheet as a result of . . . Judge Tar antino . . . trying to [effectuate] . . . settlement negot iations that apparently occurred, and . . . the condo[miniu m] was disclosed . . . months post-purchase of the condo[miniu m]

. Defendant's counsel responded to the judge's summar y, stating, "I would like to correct [the record] that . . . plaintiff d oes not dispute . . . that we accurately disclosed the condo[minium]. If we go t o [plaintiff's] opposition brief, . . . they say . . . defendant represented t hat he did own a condo[minium] that was valued at a dollar amount. So that disclo sure was accurate." Defendant's attorney highlighted this position again during argument, asserting defendant's Spring Lake condominium was "accurately disclosed on [defendant's] balance sheet" and "[t]here[ were] no allegations in any of the [parties' submissions] that anything was hidden." Plaintiff's current counsel countered that "[w]heth er the condo[minium] was disclosed [to plaintiff's former counsel] or no t [before entering into the CSA wa]s irrelevant." Counsel further argued, "[t]he date of the acquisit ion" of the condominium "[a]nd the fact that there were nondisc losures of information"10 A- 2616

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from defendant "unfairly and unduly pushed . . . pl aintiff into a direction where he never would have settled if . . . there were full disclosure[s]." Judge Gardner challenged plaintiff's argument, stat ing the condominium "was on the balance sheet at the time that the unde rlying case was settled," and "whether it was a liquid . . . asset, or in this ca se not . . .a liquid asset, " "it was disclosed, so what's [plaintiff's] point?" Plaintiff's counsel responded , "d isclosure is one thing, but the . . . actual value of the disclos[ed asset] , . . . is really what we're talking about here," adding, "the date of the purchase was not disclosed, and that's significant," and "[t]he loca tion was not disclosed either." Judge Gardner disagreed, stating, "[i]t doesn't mat ter because [the condominium] was listed as an asset." Further, the judge noted plaintiff's former counsel could have conducted "an asset check to see whether . . . the defense ha[d] anything worth executing against, right?" The judge also highlighted this point , rhetorically ask ing whether plaintiff's former counsel "ha[d] an obliga tion to say, [ ' ] wait, where is that [condominium ] located and what's the address so I can do an asset check, [ ' ] so [plaintiff could] figure out what [the] value .

. . [wa]s?" Additionally, Judge Gardner observed the condominium could have been "a million-dollar home . . . with no equity in " it, so it would "fall[] upon . . . plaintiff to do . . . due diligence before . . . ag ree[ing] to settle a case."11 A- 2616

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After noting the parties' litigation started in 201 5 but did not end until 2019, the judge concluded "[t]he onus [wa]s on . . . [plaintiff's] lawyer to have done what they should have done," by determining "the value of how much . . . defendant [wa]s worth so they c[ould] figure out [a settlement] payment." Rather than "now . . . turn[ing] around and say[ing] somehow[, ']we didn't know the value of [the condominium'] ." The judge also reiterated plaintiff's former counsel was "under an obligation to do what they sh ould have done with regard

to . . . plaintiff and the [net worth] of . . . defend ant," adding, " I did professional malpractice work, [as a] defense attorney, so . . . I understand the issues." Next, the judge found plaintiff "could have [opted] not [to] settle[] the case either and gone to judgment . . . [but he] did n't do it." This remark prompted the following exchange:

[Plaintiff's Counsel]: Your Honor, we could talk about the conveyance now. . . . [T]his is another example of the defendant hiding assets. The conveyance was done

— let me get the date. [Judge Gardner]: The [condominium] property was bought on [September 14, 2017], at least accord ing to what was provided to me, which was before the settlement conference of the 2015 case. That . . . disclosure was part of a balance sheet that was mad e and was given to the plaintiff['s attorney i]n . . . June of 2018, . . . post-purchase of the condo[minium].12 A- 2616

- 21 [Plaintiff's Counsel]: Right, Judge , so the . . . issue here is the money[,] or some of the money cou ld have come to . . . plaintiff at that date of convey ance, [September 14, 2017,] if it were disclosed . . .

. And

. . . not disclosing it, it obviously [was] defendant hid ing assets for the purpose of lower ing his . . . gross assets to get a lower settlement . . . . But that's all part and parcel of the mentality of . . . defendant in evadi ng the true value of his estate, . . . and that's really w hat we're talking about. [(Emphasis added).] Plaintiff's counsel also asserted that instead of " get[ting] a loan to pay . . . plaintiff," defendant "got a loan to buy a piece of real estate ." At the conclusion of the hearing, Judge Gardner sta ted, "I don't find that there's a breach [of the CSA] or fraud related to the settlem ent." The judge also found "plaintiff [wa]s not a creditor" under the Un iform Fraudulent Transfer Act (UFTA) , N.J.S.A. 25:2-20 to -34. 7 The judge reas on ed , "[a]ll settlement payments were made to . . . plaintiff."

7 The UFTA was amended and renamed the Uniform Voidab le Transactions Act (UVTA), N.J.S.A. 25:2-20 to - 36 , effective August 10, 2021. See L. 2021, c. 92 §1 . Thus, although the UFTA was in effect when defen dant purchased his condominium in 2017 , the parties' cross-applications were decided after the enactment of the amended statute. Accordingly, we rely on the amended statute for our legal analysis, despite any references to t he UFTA in the parties' briefs , or by the judge in his March 18, 2022 oral opini on . We also use the term, "UFTA ," interchangeably with the term, " UVTA ," solely for the purpose of this opinion , given the parties' repeated use of the former ter m.13 A- 2616

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Additionally, the judge concluded plaintiff's fraudulent transfer claim under the UFTA was barred by the statute of limitat ions, 8 explaining defendant purchased the condominium in September 2017, disclo sed the purchase "on the balance sheet at the time that the [2015] case was settled," and then plaintiff waited until December 2021 to allege defendant "per petrated a fraudulent conveyance" by purchasing the condominium. Judge G ardner also rejected plaintiff's fraudulent inducement claim, explain ing that for plaintiff to prevail on this claim,

there ha[d] to be a material misrepresentation of k nown facts, with knowledge that the fact [wa]s false, wi th the intention to get the [other] person to rely on that fact, [and] with damages caused by the . . . person [maki ng the material misrepresentation]. The property was disclosed in this particular case. The fact that [ the condominium] was[ not] disclosed with specificity is . . . neither here nor there. That[ is] on the onus of the . . . plaintiff and plaintiff's counsel to do thei r appropriate due diligence. . . . [T]hey ha[d] an obligation to go out and verify . . . what the defendant[] was claiming was the value of the . . . [Spring Lake] property. [As] I said, it could . . . be a million-dollar piece of property w ith a [$]999,999 mortgage on it. It could have no equity at

8 The statute of limitations for a fraudulent transfe r is "not later than four years after the transfer was made . . . or , if later, not later than one year after the transfer . . . was discovered by the claimant." N.J.S.A. 25:2- 31 (a).14 A- 2616

- 21 all [i]n it. So[,] I'm not convinced. The fraudul ent inducement [claim] does[ not] apply here. Lastly, Judge Gardner denied plaintiff's cross-mot ion for summary judgment, stating, "[g]iven the . . . [CSA] as fram ed, I don't find there's a basis for summary judgment to be granted . . . [to] plain tiff ."

II. On appeal, plaintiff, now self-represented, raises nine overlapping arguments

. First, he contends:

[D]efendant committed fraud by transferring $75,000 into a condominium, while transferring 50. 5% ownership to his wife and other son, days prior to the [October 2017] settlement conference [and] then misrepresent ing the condominium as solely [defendant's] on his balance sheet[,] to receive consideration for the full mortgage obligation . . . while deliberately increasing his debt[-]to[-]income rati o to minimize his credit availability for securing a loa n to pay a settlement [, and] concealing the date of the transference and location, [then] waiting until [si x] days after the settlement conference to record the deed and the mortgage. Next, plaintiff argues Judge Gardner erred in: (1) "not permitting discovery to take place" before granting defendant' s motion to dismiss; (2) "fail ing to consider . . . defendant's intent to deceive" p laintiff; (3) "disregard[ing] the entire premise of . . . plainti ff's argument concerning defendant's misrepresentation, as well as concealme nt" and "erroneously15 A- 2616

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t[aking] the position that [because] the [condomini um] was listed on . . . defendant's balance sheet, . . . defendant made a f ull disclosure" ; (4) "disregard[ing] the fact . . . the date of the sett lement conference was a fact in dispute, " and then "sid[ing] with the defense's version [of w hen Judge Tarantino recommended defendant disclose his assets and liabi lities] without . . . [a] preponderance of evidence, or discovery"; (5) "admi tting his bias as a former defense attorney" when conducting oral argument on March 18, 2022; (6) "suppress[ing] material communications in not permi tting oral argument on many of the issues" by "emphatically stating he 're ad everything'"; (7) finding "the [UFTA] did not apply"; and (8) "fail[ing] to a djudicate the breach of contract cause of action alleged in [plaintiff's] c omplaint," considering "[d]efendant ha[d] an implied covenant of good fait h and fair dealing as it relate[d] to the [CSA], in prov iding . . . plaintiff with a copy of his Will." 9

9 Plaintiff raises additional arguments for the first time in his reply brief, which we do not consider. "Raising an issue for the firs t time in a reply brief is improper." Borough of Berlin v. Remington & Vernic k Eng'rs, 337 N.J. Super. 590, 596 (App. Div. 2001) (citing State v. Smith, 5 5 N.J. 476, 488 (1970)); see also Pressler & Verniero, cmt. on R. 2:6-5 (2023) (noting the "impropriety of using a reply brief to add issues not theretofore r aised"); State v. Lenihan, 427 N.J. Super. 499, 504 n. 2, (App. Div. 2012) ("Rule 2:6 -5 precludes the use of a reply brief to add issues not previously raised in the formal brief.").16 A- 2616

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Based on our review of the record and the applicabl e principles of law, we are satisfied plaintiff's arguments are without merit

. R. 2:11-3(e)(1)(E). We add the following comments. We review "Rule 4:6 -2(e) motions to dismiss for failure to state a cla im upon which relief can be granted" de novo. Baskin v. P.C. Richard & Son, 246 N.J. 157, 171 (2021) (citing Dimitrakoupolos v. Bor rus Goldin, 237 N.J. 91, 108 (2019)). "A reviewing court must examine 'the lega l sufficiency of the facts alleged on the face of the complaint,' giving the p laintiff the benefit of 'every reasonable inference of fact.'" Ibid. (quoting Dim itrakopoulos, 237 N.J. at 107). A court must search the complaint thoroughly "and w ith liberality to ascertain whether the fundament of a cause of action may be g leaned even from an obscure statement of claim, opportunity being given to amen d if necessary." Ibid. (quoting Printing Mart-Morristown v. Sharp Elecs. C orp., 116 N.J. 739, 746 (1989)). "[I]f the complaint states no claim that supports relief, and discovery will not give rise to such a claim, the action shou ld be dismissed." Ibid. (quoting Dimitrakopoulos, 237 N.J. at 107). A motion to dis miss under Rule 4: 6-2 is limited to "the pleadings themselves." Dimitrakopo ulos, 237 N.J. at 107 (quoting Roa v. Roa, 200 N.J. 555, 562 (2010)).17 A- 2616

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"[A] dismissal with prejudice is 'mandated where th e factual allegations are palpably insufficient to support a claim upon wh ich relief can be granted,' or if 'discovery will not give rise to such a claim.'" Mac Prop. Grp. LLC & The Cake Boutique LLC v. Selective Fire & Cas. Ins. Co. , 473 N.J. Super. 1, 17 (App. Div. 2022), cert. denied sub nom. 252 N.J. 25 8 (2022), and, 252 N.J. 261 (2022) (first quoting Rieder v. State, 221 N.J. Sup er. 547, 552 (App. Div. 1987), then quoting Dimitrakopoulos, 237 N.J. at 107). We also recognize New Jersey has a strong public po licy favoring the settlement of litigation. Gere v. Louis, 209 N.J. 486, 500 (2012); Brundage v. Est. of Carambio, 195 N.J. 575, 601 (2008) (stating "settlement of litigation ranks high in our public policy"). "This policy re sts on the recognition that 'parties to a dispute are in the best position to d etermine how to resolve a contested matter in a way which is least disadvanta geous to everyone.'" Gere , 209 N.J. at 500 (quoting Impink ex rel. Baldi v. Re yn es , 396 N.J. Super. 553, 563 (App. Div. 2007)). "In furtherance of this pol icy, our courts 'strain to give effect to the terms of a settlement wherever possib le.'" Brundage, 195 N.J. at 601 (quoting Dep't of Pub. Advoc. v. N.J. Bd. of Pu b. Utils., 206 N.J. Super. 523, 528 (App. Div. 1985)). Moreover, a court must be careful not to make a18 A- 2616

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better contract for the parties than the one they m ade for themselves. Kotkin v. Aronson, 175 N.J. 453, 455 (2003). "A settlement agreement between parties to a lawsui t is a contract." Nolan v. Lee Ho, 120 N.J. 465, 472 (1990). Thus, such ag reements "will be honored absent a demonstration of fraud or other compelling circumstances." Cumberland Farms, Inc. v. N.J. Dep't of Env't Prot. , 447 N.J. Super. 423, 438 (App. Div. 2016) (citation omitted). "[F]raud is never presumed but must be established by clear and convincing evidence." Weil v. Express Container Co rp., 360 N.J. Super. 599, 613 (App. Div. 2003). "A court may dismiss a compl aint alleging fraud if 'the allegations do not set forth with specificity, nor do they constitute as pleaded, satisfaction of the elements of legal or equitable fraud.'" State, Dep't of Treasury, Div. of Inv. ex rel. McCormac v. Qwest Co mmc'ns Int'l, Inc., 387 N.J. Super. 469, 484-85 (App. Div. 2006) (quoting Levins on v. D'Alfonso & Stein , 320 N.J. Super. 312, 315 (App. Div. 1999)). To pro ve common-law fraud, a party must demonstrate: "(1) a material misreprese ntation of a presently existing or past fact; (2) knowledge or belief by t he [person making the statement] of its falsity; (3) an intention that th e other person rely on it; (4) reasonable reliance thereon by the other person; an d (5) resulting damages."19 A- 2616

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Allstate N.J. Ins. Co. v. Lajara, 222 N.J. 129, 147 (2015). Next, we are mindful "[t]he purpose of the [UFTA] i s to prevent a debtor from placing his or her property beyond a creditor' s reach. " Gilchinsky v. Nat'l Westminster Bank, 159 N.J. 463, 475 (1999) (citing In re Wintz Cos., 230 B.R. 848, 859 (8th Cir. 1999) ). "Underlying the Act is the notion that a debtor can not deliberately cheat a creditor by removing [the debt or's property] from the 'jaws of execution.'" Ibid. (citing Klein v. Ros si , 251 F. Supp. 1, 2 (E.D.N.Y. 1966))

. "[ F]raudulent conveyance claims . . . allow the credi tor to undo the wrongful transaction so as to bring the property within the ambit of collection." Ibid. N.J.S.A. 25:2-25 governs fraudulent transfers as to present or future creditors and states, in part:

a. A transfer made . . . by a debtor is voidable a s to a creditor, whether the creditor's claim arose before or after the transfer was made[,] . . . if the debtor made the transfer or incurred the obligation: (1) With actual intent to hinder, delay, or defraud an y creditor of the debtor; or (2) Without receiving a reasonably equivalent value in exchange for the transfer or obligation, and the debtor: (a) Was engaged or was about to engage in a business or a transaction for which the remaining assets of the debtor were20 A- 2616

- 21 unreasonably small in relation to the business or transaction; or (b) Intended to incur, or believed . . . the debtor would incur, debts beyond the debtor's ability to pay as they become due. [N.J.S.A. 25:2-25(a).] "A creditor making a claim for relief under [N.J.S. A. 25:2- 25 (a)] has the burden of proving the elements of the claim for relief by a pr eponderance of the evidence." N.J.S.A. 2-25(b). N.J.S.A. 25:2- 27 allows for a transfer or obligation to be voidable as to a present creditor and provides, in part:

a. A transfer made . . . by a debtor is fraudulent as to a creditor whose claim arose before the transfer was made . . . if the debtor made the transfer . . . wi thout receiving a reasonably equivalent value in exchange for the transfer . . . and the debtor was insolvent at that time or . . . became insolvent as a result of the transf er . . . . b. A transfer made by a debtor is fraudulent as to a creditor whose claim arose before the transfer was made if the transfer was made to an insider for an antecedent debt, the debtor was insolvent at that t ime, and the insider had reasonable cause to believe tha t the debtor was insolvent. [N.J.S.A. 25:2-27 (a) and (b).]21 A- 2616

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"[A] creditor making a claim for relief under . . . [N.J.S.A. 25:2-27] has the burden of proving the elements of the claim for relief by a pr eponderance of the evidence." N.J.S.A. 25:2-27(c). Under the plain language of the UFTA, a creditor is defined as "a person who has a claim." N.J.S.A. 25:2 -21. A debtor is defined as "a person who is liable on a claim." Ibid

. Claim is defined as "a right to payment." Ibid. "A court applying [ the UFTA ] must undertake a fact-sensitive inquiry, analyzing the circumstances and the terms of the tr ansfer at issue. " Motorworld, Inc. v. Benkendorf, 228 N.J. 311, 326 (2017). "Fac tors to be consider ed in determining fraudulent intent, i.e. 'badges of frau d,' include whether . . . '[t]he transfer . . . was disclosed or concealed.'" Jecke r v. Hidden Valley, Inc., 422 N.J. Super. 155, 164 (App. Div. 2011) ( quoting N.J.S.A. 25:2- 26 (c) ). Governed by these standards, we discern no basis to disturb the March 18, 2022 order. Here, the parties settled their underl ying litigation by entering into a comprehensive CSA , with the benefit of counsel. Under the CSA, plai ntiff agreed he would be ba rred from pursuing any further claims against defen dant arising from the underlying litigation, "but for br each or fraud relative to" the CSA. Based on the record before us, we agree with Judge Gardner that plaintiff22 A- 2616

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failed to establish the elements of fraud or breach relative to the CSA. Thus, the judge properly dismissed plaintiff's complaint. Indeed, the record reflects plaintiff advanced bare allegations of fraud and fraudulent conveyance, rather than evidence for a r easonable fact finder to determine by a preponderance of the evidence that d efendant's 2017 purchase of the condominium was made "with actual intent to hin der, delay or defraud" plaintiff, or that the purchase was made "without r eceiving a reasonably equivalent value in exchange for the transfer." N. J.S.A. 25:2-25. Moreover, regardless of the parties' dispute as to when Judge Tarantino recommended

— versus ordered

— defendant to provide a list of his assets and liabi lities to plaintiff's counsel, the record supports Judge Gard ner's finding that defendant provided such a list to plaintiff's counsel no late r than June 2018 , well before the parties entered into the CSA. Further, as Judge Gardner pointed out, plaintiff provided no explanation as to why plaintiff's couns el could not have exercised due diligence to assess defendant's net worth after receiving defend ant's list of assets and liabilities more than a year before the parties executed the CSA. Moreover, the record supports Judge Gardner's findi ng that because defendant bought the condominium in September 2017, disclos ed the purchase no later than June 2018 , the parties entered into the CSA in November 2019, and23 A- 2616

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plaintiff waited until December 2021 , i.e., more than four years after the condominium purchase, to file a complaint asserting a claim for a fraudulent conveyance, plaintiff's UFTA claim was untimely und er N.J.S.A. 25:2- 31

. Next, we are persuaded Judge Gardner correctly foun d plaintiff failed to establish he was a creditor under the UFTA because plaintiff had no "right to payment " from defendant when plaintiff filed the December 20 21 complaint. That is because defendant made each of the three payments due under the CSA. Finally, we agree with Judge Gardner that plaintiff failed to state a claim for breach of contract. To prevail on a breach of contract claim,

a plaintiff must prove four elements: "first, that the parties entered into a contract containing certain terms; second, that [the] plaintiff did what the contract required [the plaintiff] to do; third, that [the] d efendant did not do what the contract required [the defendant] to do, defined as a breach of the contract; and fourth , that [the] defendant's breach, or failure to do what the contract required, caused a loss to the plaintiff." [Woytas v. Greenwood Tree Experts, Inc., 237 N.J. 501, 512 (2019) (alterations in original) (quoting Globe Motor Co. v. Igdalev, 225 N.J. 469, 482 (2016)).] Here, despite plaintiff's argument to the contrary , the CSA could have, but did not include a provision that defendant would pr ovide a copy of his Will to plaintiff. Instead, the CSA stated if the Will "fa il[ed] to contain the . . . term" that plaintiff was "entitled to inherit one-third . . . of [defendant's] probated24 A- 2616

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estate," "the executor or administrator of the esta te" was obligated to "take the necessary measures to enforce the requirements of [ the CSA]." Under these circumstances, Judge Gardner properly declined to m odify the parties' CSA to include a term the parties failed to negotiate for t hemselves, and correctly found plaintiff failed to establish defendant breached th e CSA. To the extent we have not address ed plaintiff's remaining arguments , they lack sufficient merit to warrant discussion in a wr itten opinion. R. 2:11

- 3(e)(1)(E).
Affirm ed

.