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Mark E. Ellis —127159

Amanda N. Griffith - 288164

Anthony P. J. Valenti - 284542

ELLIS LAW GROUP, LLP

740 University Avenue, Suite 100

Sacramento, CA 95825

Tel: (916) 283-8820

Fax: (916) 283-8821

Attorneys for Defendant NATIONAL ENTERPRISE SYSTEMS, INC.

UNITED STATES DISTRICT COURT

NORTHERN DISTRICT OF CALIFORNIA

LISA ARLENE TIMLICK, individually and on

behalf of all others similarly situated,

Federal Case No.:

Lake County Case No.: CV416920

Plaintiff,

v.

NATIONAL ENTERPRISE SYSTEMS, INC.,

an Ohio corporation; and DOES 1 through 10,

inclusive,

DEFENDANT NATIONAL ENTERPRISE

SYSTEMS, INC.'S NOTICE OF REMOVAL

OF ACTION UNDER 28 USC § 1441(b)

(DIVERSITY

Defendants.

TO THE CLERK OF THE ABOVE-ENTITLED COURT:

PLEASE TAKE NOTICE that defendant NATIONAL ENTERPRISE SYSTEMS, INC.

I hereby removes to this Court the state court action described below:

1. On December 27, 2016, an action was commenced in Superior Court, State of

California, Lake County, entitled LISA ARLENE TIMLICK, Plaintiff, v NATIONAL ENTERPRISE

SYSTEMS, INC., Defendant, as case number CV416920.

2. On or about January 4, 2017, NATIONAL ENTERPRISE SYSTEMS, INC., was

served with the Summons and Complaint, attached hereto as Exhibit A.

3. This Court has jurisdiction to hear this case because this action is a civil action of which

this Court has original jurisdiction under 28 U.S.C. § 1332(d) and the Class Action Fairness Act of

2005, and is one which may be removed to this Court by defendant pursuant to the provisions of 28

-1-

DEFENDANT NATIONAL ENTERPRISE SYSTEMS, INC.'S NOTICE OF REMOVAL OF ACTION UNDER 28 USC

§ 1441(b) (DIVERSITY)

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 1 of 20
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U.S.C. § 1441(b), in that it is a putative class action involving at least 100 class members and the

combined claims of all class members exceeds $5,000,000, exclusive of interest and costs.

4. This Court also has jurisdiction to hear this case because this action is a civil action of

which this Court has original jurisdiction under 28 U.S.C. § 1332(a), and is one which may be

removed to`this Court by defendant pursuant to the provisions of 28 U.S.C. § 1441(b), in that it is a

civil action between citizens of different states and the matter in controversy exceeds the sum of

$75,000, exclusive of interest and costs.

5. Both complete and minimal diversity of citizenship exists in that the only named

Plaintiff, LISA ARLENE TIMLICK, is a citizen of the State of California, and the only named

Defendant, NATIONAL ENTERPRISE SYSTEMS, INC., was and is a corporation incorporated under

the laws of the State of Ohio and having its principal place of business in the State of Ohio and is the

only defendant that has been served with summons and complaint in this action.

Dated: February 3, 2017

ELLIS LAW GROUP, LLP

By /s/ Amanda N. Griffith

Amanda N. Griffith

Attorney for Defendant

NATIONAL ENTERPRISE SYSTEMS, INC.

-2-

DEFENDANT NATIONAL ENTERPRISE SYSTEMS, INC.'S NOTICE OF REMOVAL OF ACTION I]NDER 28 USC

§ 1441(b) (DIVERSITY)

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 2 of 20
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Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 3 of 20
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N4T3CE! Y_au ha3a b~nn sued T'~e court may ifsckle ngai~st.you wEthoat year befn~ heard un~ you raspo~d wikhEn 30 dey~. Read,ths f~(dfrnatian

helay.

You have 3A,GAi.END{+R DAY& akatthip~eummans end iegal,psp~ro are aen+~d cut yuu tg fi!e a w{itten respons~.st this cnspt eixl hava:~:copY

setvad'+~ the ~taM~NL~A•Estt~rot phone• ti wii! not ptotaet:you. Your wrtlttan must b~ fn propet ieg~i iamn ~;yau want tt~ ft to tiaa~ year

caso. 7Trero rtiay be~~ cart"form Uiat.you c n,u~e lar yaui re~p~naa: You ran find Utesa court•f~rms and mare infwm~t(o~;eht~ia Catif~mgmia;~ou►ta OMtna;SelFtIp Geht~r (μ+~!~rc~titi~rWt!'aae:c~!selti~tP1~ Y~ue ~mry t~vt&irary. or Rha muitt►ause aea~est'~du. l~you.~nnoe p;~y:~ha ~b~,f~~, ask

Una court'clerk~f~r a tee waiir~r• iorm. l~ Yap do nct ate year res on U .You may loss the se.by deFauk, and year wages, honey, end pro~s~y

may ba, takert'tirttheuh (urtho! `v~ramtrig front the mutt. .:

Them are oiha~ leg~t'requir~»ents. You ma r wenf to calf an ~tlamey cfgh! any. it you do not knrn~v an aHa»ay; you ir~y"etiranCkti call ar't ~Bamey

referral n?iea:if you ruat~t,atfoitl ~n.attoPneY; ycu may bs ~6g to ior• Res legal services nnm a nDnprafit Legal send s grage~rri. You,can tuc~ta~.

these nonpr~fd groups et•#h~ Ce~ifaiyila Eegat ServtceA Web ski (wtvw lawtiretp~a~toml~.ar9J, fh~ CB11f6mla Courts.t)ntE~e~~olf l°{eIp ~Mer

(snvw;~rutktto c~,pavfaaN,ha1~}, o~by c~tactt~q'your tea! c ut or:r~synty bar assoctatlan. NflT~: 71ie court fins a'statutary•~gn (a wahre~i teas arx9

c~sts~nn ~ny:catllamont of ~i~itraUan award of $i0,g00 or-more Gs a evil eaa~. ~hhe ruurCs tin rriuust b~ pad beP~re•the i~irfiaiR dis~ii~s Uie case:. ~Ail~SOt L;a han.cf~mandado. 'Sl n~ r~span tl¢ntrq de 30 dlas, le carte puede darkfit sn au stp~escuCh~rsu v~;~T~n. tes'le' intormaciGne, cwtnUnuatd8rr.

Tnrns.~0 DfA5;DE CAtL~AtDARt(1,despttba de'gs~e le etth~gtterr esta c,~7acf~n yAeA,ctzs lsgsk~ rare pnase~tar uns i~~uesta /wr~sa►to en ante,

can'a y haoet que sA er+tiegue'uria aopts' ei damsitdente. tJn~ c8its a una ttamadn teleldntcn ria !o ~tegen. Str r~~pi/este pora~evita l~ne~ qua. a5tat

en lamr~jg,i~gateonactrrs~ dssee; q~re"prgcesea ~u ce :an la cats. Es ~oslbte Ana haya un hrrmuterio quo uste~ puade us~rpara•su resP„ue~ta,. a~rede:er~av,rrar asros tnm,trlerhos:de 1a covre ym~ss wcr'nac~eri~en et ce,iva d~ Ay,Ma de res cottas:de. r,;enromra (w+~r:sicone:ca:gay. },;eR.ra blbliptec~ de fey,~~ ~a•~u.condado cyan la carte que is grt~de mks ~ter~a. Sitta puod~ !e cuat~ pras~nta~Jdn,:p'da;sf secreterta d$ ie aptte;

qua fe ate un fo ada ct~ gz~nrl~a cis pogo ris`c~rotas.,Sl rro p~.santa su respue~ta e ttampi% p~rad~ ` iiie~°el caso, portitcuiripltmtenla y'ta code its podr~ gaffer su sue/d~ dtaero y.btanes ~n m~9 advartenda.

Msy atlas; ~+tas )sgale~ Es ~ ~ttle5le qua tl~tne a un ,. tnrr dtatament~. S! t~ . .. a un s;bq~aelg; agri~fe 1letnar a un serukto da. ~misibn a ebogedgs.~5inop _. .pagar'a rm ~b.;a~poalbts q~.cw»pll~ ~nf~s pgra ob~nersstytciosla8~tssgratu±tns,de u» P~apr~rr~ rl~.setvictbs fapates afn 19nes ate 6~0. f'aede eiriliarestos ~upos stn tiryes da lu~ro en et sltto wsb tte.C~etlfoml~ Lepat 3arvi~e~ {w~vw.tawf~etp~~t~nila:org)..'sn ei CanUo,~ar A}~is•de.las C de ~aUfo~ta {wwx.~ucorie.~.g~v} o poN~ndnse ~i~.carst~cb:r.{~ rte c e1,. cvEegjo d~ ~boSeBae_tacelea. ~Vi s~: l8ytla°cotta tlarte dererita a ract~rrrerlas aortas y fos c~tsto~ ex~»Los pattrti~tpnet iiii~gt~'vamen a~bret cue~tderrec .. d~ St0 000 d mAs d~ V~lor.rgctbFd~ mad~dtan~O trp i~cuardo o una co»c~stdn da' erbfhaj~,'~n~m•rs~v. ~,d~iedro dy}t: 77eRs'gsie

'Ehe name and addross of ihe'coutt (~:

E1 nomtfi~. dli~cctdn.~a la ~co~e es~t

u .. or ~ourt +~f L;~tce Goucity

ZS N. ~For~cs ~~t~e~t;~Room 41fi

L.ak~port; CA,95453'

7'he n~rrra, address,-and telept~an~ number of pl~latli~s•ettomey, ~ ptatntiff anthaut an atksomme~+,ice,

E! rra»ab i~ dfi~ccf6»~ et rrumiaia de,tet~laha deP ab~~ado de! d~msndents, a at~idem~nd~nte~qua'tto'tisi~~,abogiads e~}: rid W .S~chwiMr {S IV 225575 ~ .Cnnsumer L~w.Centei°~ Jnc. I2 Svuth Fust`St~~et Suite I.Oi {408) 294-6IOU .

San Jdse, Cai~i~x~t.~,~1`b241$ ~.Y ~~ ~,s L.,~~1Cc:~

AAT~: cr~rk~ by !~l~ C~ ~:; ~~

~Jtact~frt. use•at formut~rro Ntoaf of S~nri of Snmmone, '(~S-OfOt};

~N~TlCIE TQ'iI°t~ P~ AEi ~~RYED: You era rveat

1: as en:in`dh'+idu~1 d~fe~tda~f.

2. as 1~~ pe,~anRatt~d under the ~1{ious nscr~~ at t~P!'1~

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imd~r. CCP g16:10 {cor~ratian) GGP X96.60 (min~r).

- ' cc~ ~a~~:7a'tae~,n~t ~r~ar~tinn) cc~ a~~7a (c~n$~nrai~~~

. CCp 416:40 {assod'auan or pa~tn~rsh{p) ~ GCP ~~t8s0 {euiho ., persanj.

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Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 4 of 20
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s~rr~~QR +coax o~ s~A~.~~ c~: ,~~ .

coin ~~~,

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~I on;beh,~lfvf all ot~er~ sitntlacly situated, (~Uailim~ted Civ~l•Cas~}

I.2 PlairiGf~', (°° ;~ • SA OPt'~C3 L' .•

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~~n Ohio `c~rpar~tasn;•and ~t7ES Csl'[foz~ia~ ~~v~l Cdd~;§:1 X88 et seg;. 1 Ylirou h l~; 

~ ~ incIus~ive,, California Givjl Co~~ §`181~2,7~0 et~seg.

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:I7 Ptflintif~ LISA E~I~ ICK, -on 6ehsiF ~of ~e'rs~If` aril -aI! oth~r~ ~imilarl

1$ s tuat~tl, based' on ~forrn~bon and bciief -and inv~stigati~n. of'cvunsel;, ~tcept fir those al]e~at%c~ns

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'which pei#ain to ths<nammed Ftaintifl~~r hex a#tarn~ys {whiah~ar~ ~11~ ~n•peisrins~ owled e},:hereby 20

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,1. ..'This is a aonsumcr cEess a~~ion 6r~ug~t puissant ta~ ih~ ~C~lifai~ia`Ros i~4~a( Fair,

~~illecfion<PraotiGe~ Aat, Calico ia. CIvil bode :17$$rl•~88 33~ (hereinafter `~ • ~.e - CPAi'} ~urli~ic~i

bits de~t'cc►1Pectar"s Team engaga ~ in abusive, aBG@~f1VC~8gt~: ttfl~~if V}3t`&~t1C o ~A!%~-CBIIF~$'itifl C1Yi1

§ ' ;~ 12.fib0~1~12;7Q2 which requic~s fiat Catifptnsa ~coi~si in rs b ,peovi~~i1 a "Consu ~r

~Nokicc~."

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 5 of 20
~~

~,._..

1 2. 'Fhe Calef~rnia Le~istatur~. ha~.fbund that,

~' The bai~ and credit syst~m•and rant~r~ of:arc~it"ta con"sniners s~ ~g~n~ent~up~i~

~ 'tlie ~a~lection off' just and owing debts,, Uitf'aie car clece #iv . ~cciltectti~n pr~cGc~~

' us~„derm~ne the public co~dence wbich'is essential tQ ~h~,~cr~ntinued.~ fu~c~iani~g=of the

4: baritsin~{a~nd~credit system end sound~extensIons of c d~i,to oor~sur~arsf

~' CaliPoriiia';Civil Cody',§,178$.1{aj{I).

6•

3: Rl tiff`, ]LISA Ait~. $~K, ~n b~hal~ of'[i rsetf.ar~dta~l, pers~~s. similarly

~~

situated; s~~ks statuary damages a~ui~se Defen+~ants arising, from.--tlia%r. z~.ratine ~f~ctic~ of;sendu`i~

~~

~ initi~I~,'uirittei~ cvm~rtuisicetio~as, Iik~ 'the one s~it''to'Plairit~f~; vvluch' ff~il to _pr.Qv ~e tie "C'.i~n~usn~r'

10. ~aitection-l~~ti~e"-;squired b~ Catifvrnia Civil Code :1'~~2 740(a}, in ~~t~pe-siz~~th~t:is ~t Ieast #h"s'' A .,.

=~. s~sri~ tjrpe=S1~~`8S t~ief,t356~ t01ft~OCtTi tfl~ ~~t~f i1~~1l5 bP ~iC[.S~~CI~~'_tlt 01' iSi At;le~st.~I2-~oirit.type, ~sn

}~ vlotation:of Cpl focr~a Civil Coda § 1~12.7~1(b},

1`3`

~,~. 4. As a,r~s~a!!, ~efensiants ~~v~ eng~g~d in tinl$wful•a~1s in ccinnec~i~n with (heir• 14.

15' ~att~mpt t~ coi[~ct=def~ult~d cansamer debts frsrn Plaints an~:tb~-Class;

17= 5. 'The.. Cali€oania. Superior Coact. has ji~tisclietuon ~awec ttii~ •~c#ton plirsu~nt to

"I~' ~+Gatifornia,~o~e of Civil Procedure.§ 4t~:10 end California Cnnstitut~ort Art~cle.~Vi, § IO;.wfiich. .nth I9~ 

_ " . .. ~.. ,

th~:Stspeca~r ~onr# "arigiizal3ucisdiction in alt=uses c~ceepf ihvse: vats by st~tut~ tv ~iEiertti~l,c~urt~:' t20,

~ I `'F'h~ ~aurt~ ciao"has: jur~sdic~an aver ibis actionr p~usyant io C~lifo,in~a ~v~l C.oe 178830~f}, ~rhiah

-2.2, :~rovi~~sfoi:~~cif~rment;n~~nycourtcrfc~rapet~ntjuris~icti~ri.:Tli;st~tutes~ind~r~wlichthis~c~ari::is

'' bxo~ght o iiat '~ .,, :t~urisdiction t+~~a~~ athcr trial ~at~rt i~-ataf~r~B~:.

~~4~ 6, This Court •has jurisdic~on ~v~r each D'cfer~~ari~ .ed' h r~i~ bc~au'se; Fused ,are

~~~~~

2b'

~i~f~r~iatton ~and~ tSelieF; each Defendant ~is~ a• ccixpora~on oc asp ceat3an ~~uthcir,. 'to ~o:busin~ss in~

7~ C,,~liforrfia and :re iatercd. •with the Ca~ifaraia S~crcc ` ~f tats; or doffs su~"i~icnt business, ,has

~~g, su~~ieiac~.miriir~iurai ~cont~c~s in'Cali~'ornia, is a cs'tiz~n ~f Califc~~i~ ~r oiheetiVis~ iritcntianaliy;avail

.l~f.

CLASS AGTIQN C4MPLA.T~TT F`~R STA'IIJ"~'ORY ~~iMA.G~S

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 6 of 20
E'

ice.

of the Gal foam ~ m~ri~et thmu~h the promotion, sate, marlcetin~:~artdl~c distxit~ut~~n~af. nods and',

Ire Catifomia end thereby haviu►~ such otEicr 'coritact~` with C~fifornga~ so as'ta sender the

~crsea of jprisdietian over it 6y fhe ~.Ii~ornia courts ~onss~i~nt.~w th tradits~nat n~t~ons:of fair play

substantiat justice.

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25,

~. Venue is ~rapGr i~t ih~s La[t~ bounty Superior Co~r#,,pursus~nt to Calik~r~ia~; ode of

~~cr~edure §§ 395 aad 395.5, because one or ma#~.~af•the ~+otatonsyatleed in ths:~ompl~'snt;srtse

ifi the County ~f Lek .Venue is also proper in the Lake County Sapo~ar:~burf, `pursuaht ta~ ~alifor

Gode.c~f Giv~l ~'roee~uee § 395(b), because fFs~s action arfs~ss from} ~~n eension of credit ;inters:

primarily far persanal, family or h~us~hotd ~ese :end Flainf~~f (thy °~~rrbv °~ :~asid~d in the bounty

°atthe commencement of this~acti~n.

8~. Thy total ~naunt 3n caritrove~sy~as tb Iaiintiffand ~ach~.inem~er" of'the Prup~se~

Cl~sss,ciaes not exceed seventy-four thousaadi I11I1$ =hundc~¢ and,~inety-nir~~ _do33ars ($7 ;999) each,

e~ccIu~ive .of int~re~t and r~s~s. Print dIsol$ims any cn e~Is tc~ry .dairi~ ~"s; punitive ~m~g~s,

declaratory, injunctive, or'equitabt~ rcire£'greatec than ($74, 99}.:per a'n~iv dual +Class mcrriber. Plaintiff

.and t~ae~Proposed ~EaSs limit their t~ta[ class tiva~~ eEatfns~~Eo,iess thsn•fo~ir:millf~n; niu~o`[iu~tdred.and

n netlr~ztin~ thousand,,nine Sian 'and ninety-niric tell~cs`~ 4~999;499.~0}:

v9. ~?l~iutiff end t}is proposed Cl~s~ sack onty st~tutocy ~amage~• in this~~cti~n qd do

-nc~t ~Il~ge°in:i~tis .i~~ Aetion Comolsint fbr~t~ht~ev tiama~c~ that th~y,:ox'any ofthem, tiav'su~E~red

a conceete is jury wi#hin the meanui ~rf Ar#ict IT~~ of t.~~ .United Stites C,~nst►tiitio~ and the upr the

~~urt's~rclat~ct iz~4erpcet~tian.'

~.

~~ IQ. Ptaink~ff, LISA GENE `T.t~i1~.i~K {h~c~i ~a~t~r "pl~air tiff'};i'sr ~ natui~l Fp~~on

27 :residing in,~.ake Cc~uuty, California, Plaiatif~•is a,,'~sbtor`".~s i#~t _t~rrn :is de r~e~.by ~~~afo l~ ivi!

28`

:' See;Spol~ea, Z~t~. v Robi~rs,, U:S; ~,,, I36 S. Ct 1.54f?1.9 L. d: `~d 63S {0.1'6):.

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 7 of 20
.-

Cade: §'.17~8.2~h}.

ll. I?~f~~#dacst, NA'~'lt~AtAIL ENTERPRISE YS a IvfS; I~1C. {hec~ ~a't2cr~

3

4

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is sn (Jhics corporr~tian.,essgag~ct rn tits busiu~ 'of::colleczing`default~~ cons~irz~~r debts

iia 'this "seta with its prinaip~l place of b~is`sn~ss. located fit: 2+~~9' Fiisdi~.on aulovard, Un3L A,

~'~rinsbarg,.~hio ~40~7. NATtONALrq~y p~:served~s~fgll4v~rst,`lyiet~ana~l ~nterpr►se:yste~s, inc:, ~%

CSIG —Lawyers In~ocporatin~ Service, 27I.0 Qat~way gaks Drive, ~,Suit s 1.~ON; aura ~rtta, C~.a~lif~raia

~S$33: Thy principal' ~u~insss of I~IATIONAL is "thc ct~Il~ction of dcfaea(fed cat~si i~~x debts using the'

m~iis`ffnd~telcghane, and NATIC??~tAL ~regutaxly a~tempts.~t~ c+~lleck~c~feul€~d cansumcr• dc~s g1le~ed to

.kie dua:ariothe~. "NAfiIQNAL is e "det~t,~e1leaf~r" as~~that'tern is ~e~ne~ by Ceil~Foia.C~vil`ede §.

.178~:2(c}. N~TttJNAL ~is s "third8party debt +collectpr su6j~cx to ti~a fedec~l For arbt ~oltect'ron

•Aet (1. US,C. Sea. 1692 et ~seq~'.', ~w~than: the gym._, iti of Cal~'ornia Czvi1 ~od~ §

2.70{a).

i2. 'Thc true names ~nnd, capaci~i~s, whetl~~r °Individual, crrrporatc~, essoc#ate,

a~ ~thek~wwise, of Defendants, D£lES 1 ~urough. p~0, ~r~. _~. ~~srn to':Ptaii~tifFat this tiinc.

wha.:thet~ee`fore>sues• s~i+d 1~ef~nd~nts by °such ~ictit~aus natn~s. 11Vhen the.:true es and capacities

said U~f~ndnn~ have b~~n ascartni~aii, Ptainci~f` wilt ;~m~nd this Cor~ptairit°.~ccoriiingly, Plaintiff

informed and believes, _and thereon alleles, #~~`t r.~ch Defer¢ant des na~t~d; herein as a ;3E is.

'rbsponsible negligently or is se~it~ o#ltsr;~~t~ti»able ii~r~r far tiie °~x~nts sand •he p~nin~s

referi~ci to, ~nd.cat sed damages iher~~;y to the ~aiiattf~ as`het~~~',`.,~ r;atle~ed. 'Aefer~dant, a~?ES I-~O, 23

24

ar~;'an~~~~h of them is, $ ~•debt.colE~~~or"~as that te~i ~s defirt~;by Galif~rrif~~ Div ~ Cade § ~I7$~~(c~

25 ~~,a~~ a;"third- `~ debit coI€actor subject~to -the fcde gal: F~.ir DebE ~oClectiori: I?ract~a~s Act ~~] S ll:.~

Sec.1692,et seq:},',.:with#n the m in of ~at~~~ ` Gavz~'Ca~~ ",18~2:7~~(~}..

_l3a At all times herein men~a~cd, cach~ ~~ the; ~3cfenda~ts eras t ie ~gc~k, servant,

_,~,

CI.ASS,ACTIflN ~GUM~'I,,t~NT Ft?R. STA'I'Cl'I'~RX A~IvId~GES.

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 8 of 20
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empl~ycc •andlor joint venturer ~of his~herlits ~befond~nts„and Bch ~f ihc~n;aidat att:s ic! cim~.s,

ch'~ef~aid~t was ac~in~ `rn the ~ful1 course agtl~scope of's~td:a envy service4 ~ nptoy' ent:andf~ax joint

vesture. Any rofer~r~c~ h~reaifter_to "Defen n~"•without fuitli~r~ qualification is meent,by Pl ii~tif~t~

~7efand~nt, a»d a!t of them; ~'m'edsaboYe.

l4, P1~intif~ is informed ~.d Nieves, and- th~rcon ~a11eg fhae ,a# all, t~m~s h `sn

rn~ntEoncd, ~t~fendants, ~4E,S• ~-IO,, inclusive, wct~ :and ~i~e ind►vidusis#, corp~r~tit~ns, parEn~rships,'

usiinc~rpoeated.s~aciatians, sole prap~ietors~ips~ari~oi~ a~ei`,business entries oigartized yid existing

under; and 6y vic~ue~ of the taws of tie ~Stat~ oaf ~C~fifomi~, :qi-•the 'taws .af~sorne;other .state ~r foreign

and Ehat said. ~tef~nd ts,, d each ~af'th~tn;ti~'ve re etlArty canductcd business ir► the

Cour~ty.of i:atte. Stata Qf ~C~lifornia.

i ~.: ~_ 1~. i 1~

' :.. to •s,l~~

form of ~. consumer credit accourit;iss~ed by'$.AhiK ~QF AM. .,C~,:1d~i, {hereta~.fter tkie "debt"},

'The- debt t~ BANS£ C?F AMEKCGA, N.A., was° act~trc~ primarily for ~~i~~naE, •family ar hc~use6old

puc~os~ss and ,is t~ec~fore a tfC(aFISUII~~ UC~~t4 ss, tlia£ tea~z~ ~s de~~cd by C~lifarnia .Civil.. Code §

I'788~;2{fj.

i~b. T~ per, PlaintRff was una~t`e ~ta~p~Y pia debt and ~efautted ~n ,her payrti~n to

~:~ ♦ ~ ~

17. Pi~intiff is informed:~~d b~lt~vcsr end ~era4ic ~~lt~g~s, thy# sotn~tisnc ~ae~re~t~c ~n

a dat~~unkn~vrn to 1~intlff, th$ dsbt~v~s;`~,Ssigrl~d,.consaecC~rother~vise~transf •.to`Do€~nd~nts.for

~ cbltection frz~m Plaintiff.

.lE. Thcr~after, ~lcfend ~s sent ~ cotlect~aa Ictter. ( 'baE. "1'~ to ~~1~►taff' in

~ sttcmpt:to eollect the debt.

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 9 of 20
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19. A~.truc and ~acaurate: copy of Dcf~r►d~r►fs' ~r calledion `<letter to Pl~intift' is ~t#~ch~d

Hereto, m~rked'~achibit "l" a anti.fiy tt#iis.~efcccnoe is iaca"rgor~tesl~heareii3.

2~. 7'lae co3l~ction I~tt~r= . xbit:":t'~ris:dat~d`~Tanuary,13, ZO;~<

21. `the •coil~ctiot~ let#~r {Exhi~ic• ".l"} trigs the first written communication from

.I~e~~ndents=w IaanE ffin cannsc#inn w~t3 the colt.~ctaon of'the ~abt,

22. The oollcction i~t#er~{~zhibit~"l~'} nati~es'.~l~irttiff ~f.~hcr specific debt in 10-print

tYPe•

.23. Tic cetle~tion Iette~;(~i~it;~`~l"~ provid :`thy nratic~: ~quir~d by Calaforni~ ~ivi)

Ccide § I$I2.74~{a} in 8-paint tie. .

24. The coll~fion I~tter•. i~it"1"~ f~ilsta.P~ovde"thc naticerequad by C~~if~z~ia

;Civil Cede § 1 I2.7Qt}(a}. in ~ tjrpe-s9ze:t}iat is ~tttl~ast ih~°sat~i~ t~~p~-size ss.t~i~E us~d.to infarin.Plairiiaf~'

of her specific debt grin ai last I2~point.rype.

25: It is. the, st~ndaird' ~ractiae 'arid .policy o~ I?efe~d~nn#s to s~r~d .initial colle~tia~

~ofnmea~icatians in the ~'~rm• of exhibit "~" wh~,ch sack to~c~Iject d~#`aul~cd,•consuener debts in~urced for

family, rr h~us~hotda "s~:

2G: ~t ~s fhe st~ndarit practice and` ~o~ o}% of Defendants. tn..sen u~'stia! collection

~s in tha farm ~f Eit}u~it~.=:1:';which ~fai1~ t~. captain the "~onsu~ter• ~of(ection Notice"

rcqulred ~y=Ca~ifornua civil Code § I8I2:7~~~a), ati a'type-size that;s t'l ~sf't2i ~sa~ri -t~'Ae~sizz~ as that

used.,to inform.ch~ .debtar of'his ;ar: ker ~ci~ic, debx ~ar in ~i i~, 12~pa~nf~'type, _in ~vioIation o~

C~Iif~rnia GivIl~Code § I$l2•.701~r).

2fi~. ~l~inti b.. ; s •this ~cti~n `b~. ~eha~(f of ~ :al~ss 'off' ait other ~e , sinnalarly.

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 10 of 20
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situated..

2~: ~laintif~'tentat~v~ly de~n~s tii~,class ~s (i}.sll.perr~on~ evith:~ddr~sses in C~li€ornia I

(ii} to whom D~f~ndants sent, nr-caus~d to.~be'sei~t; a~ initial weiiten communtGatinn an~th~ fo►~i~of

~a€hi6Et •'2," (isij in ~n ~kferript`to` aatt~ct a: ~~fetit#ad-con~u~er.:debt t~ri it~atly owed to` t~K BFI

AM~R:tCA, N.A~•,,tiv}; w~iah warc~ngt~ref~rned ~s.~tu~ile~iycra6[c, by, the U.S. Post Clffice {v) during.the I

period ane'•ye~r priac•t+~: the d~;te ~f ftlir~g'this action thraugh:.the date of class ~certifcatian,

2~. Exatuded~.fr,~r~ the class woUtd'bc~ariy o cers~ directors• o; le of r~presenYativ~s of

Defeedanis, arid. any.jud~e,~nstice, or judicialPofficer presiding; over.~this m~cter and the mem6er~~of

thcic iinixicdistc fa~ilies gnii jyd ciat. s . ' `Pi~~i tiff. reserve the right"ta modify th~~Ctass 's~cfinifion

at~d- Class~~eriod`bas~c#.9n tl~e~xes~al~:o#dsscov~ry:

30: '1`tie. ~1ass~ as 'sa ~~iuerie~~5s rt that• joiner of aid m~m~crs is `impra~ticaP. tin

ipformatian and. b~tief,. caliec.,tian notices n;'the'form: c f~ i6ir "~,•; have .been senE te~ hundee~s: of

~ C~lifornt~ .., , class rn~mb~rs.

3.1. De£~nd is have sated i~nth re:~ ecC to thc, Class, iri a ex g~ner~lf~ a giic~~[e'

to ~'Iaintfff encl ~~ch Class n~ertiber 'xhere is-a well~de~n~ cotnn~unity o."f in[cr~sst in ~the.questi~r~s of.

taw end ~.fact~ invatvad in .this: actid~i;-w4iob: aflfeets~ s!E class niembers. QU65tB0tlS 6E~ I8W ~856~ ~$Ct

(cnmm~n t~ .the class p dom~ato~ ave ~ny~ quespons pepuiiar to ndividaa! ctass members. ''~'h~

questions inctud~:

~. Wheiher ~~Eeci~~i debE;collectprs#x~nd

.b', "Whither ~Defendaais sent Plaints mad tt~e< ;Ci~~s initi~i.

c~mmuniaati~n i~ ~tbe farm of.Eitl lbit `"i" ~whicli•fa~t 'to c~nta~ai.'th~ °`~onstu~cr ~lloction

Notice',.required byjCaliforni~ Civil ~~ c,~ I~12:7Q0.(~),,, n a, typ~size th f ~s,~t least t6~ wine a

tYAe-sips as that used,ta iafaim°Phe d$6tor of°his ~r her'sp~cifi~ debt or in at list ~2 oiat`ty e,

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 11 of 20
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in violation ofC,~lifoi~ ,~ Civil CoBe §..1812;?,~2(b}.

32. •There •are ~a ndividuat .questioins .df lnw ar felt, other than wheth,~r ~ class

tz~em~r was 'sent~:,xF►~ •offending ~ca~it~ct~on ~amrniiruc,~fian~ winch can be ~d~terniintd by m3nisteicial

inspection vfDe~'ersdaots' ~ifcaeds:

~3. P'lainti:~~~~wlt fairly`~nit.slcqua~eiyrepreser~t~~nd~ protect the interest of the Cl~~s.

members. ~'lair~tiff 9s cc'tmrtiltted to vig~rousIy~litigatirig'thi5~•:m~tter, .Plaintiff has retained counsel

~acperienaecf in hartajing class claims and 1iti tioin braugl t purs~nt t~ various aansume~ pra'tcctinn

statutes, =i»eluding .t} e ~feiler~t ~Faii~ L-}e6t :CQltection Practices Act,. 1~~ L7.S.C. §§ 1692.1692

("~~CPA"), the Cailifaamia ~Roseiitha[' Fa4r Debt Colt~ctibri :P~actics~ A;c~, C~Iifomia ~Ciuii d ;~§

1788~17~~3~ {'°RT~~CP~:'~}-anB fhe Csl fo~°n~a.`F~ r Debt:Buyin ra~tic~,s,~1at,.C~ifomia rival Cade

§.~ 17$8:SU-17$8:64. {"CFDBPA"}. 1Vei#1 ~f Plairittff~.n0~`Hcr counsel, b~,ve any interr~sts~wlia~h tai ljt

-cause them not. to v gorous]y, :~ursue~ t`tiis, claim. ~I~1[I!{~' Stfi~ ~ll~t C4L4IIS~I W1JI.'YS QEOUSI}+ ~LtT8U8 tI?IS~ .

• 4. P1~intiff{s:ciaiins';a~e"typical aft~i`c claims`ofth~ othec~membcrs of.thaGlass in fE~at

Plaintif~~nd;other,Class;mem5ers. Werc.simitarl~ Ir~~in'by :the actions •of ~efendan#s and tbe~ciairs~s

to ed•hcc~in Ott Ise the•~~tne apei~itiv~ ~act~~and based:~z~ fh~~same I~~a1 `theories. ~Plaii~ti~f'

is a merz~~cr~af the Class s~c~s.,eeks tt~_repc~e~t ani~,sbe.h~s su~`ered:hacm du$ to the~unfair, ii~ccptive

aird.untavvgul practices ~f~A~ferid~iis:.

35. ~efendants~ ~aveA acted' :fir revs sad to -act,.. with #resp~t to so g or aCl isseaes

~pres~nt~d u~ this ornp7aint, ~Otl lUtl(~5:,~@I~I~Y~IIY~ ~PP~IC~t11~ Y~ [~J&.CIekSSi thereby ~cin .it appia ~t

t4 ~evvide relief wi#h.r ' cE to'tho~ Class as a whnlc.e

36: A class action. is-a sup.~rigr method Cor the fair-and ~~'ic~ent adjadic~~on ~f this;

cantr~ivsrsy. MoSk ~~ t~e~c~ 8 ~tCin~+c~ wH0 ~reQeiYeii written.c~mmunicatians in tote -for~n~of~ i `fit

4

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 12 of 20
1 ."i" hive ~a ;k,~~wtedg~~ ghat heir ri fits are4being~ violafed'by allegal ca}Pecti~n preaticcs. The- int~xest.

of the cl~s's ~ieri~bers in indiuid"ualty .co~riEEz~ol~iii~,:the,~~"s€cakian of separ~Ee claims ~a~ains#.I}ef~hd~ts

~.~ is sm~lt'6scauss•ttie,.rr~acx mutr} damages in..an.igdividu~l action are ~.I,OOO,.. urse~nt~to•ttia R~D~'~'A,

Califarnra C'svil Cssdc § 1~T.8~.1'7;a ]i~aris~crrienf df tFiis~ class aatian is likely to present sina~ca,itty,

S

~ f~w~r d~ffrcutti~s t~an~ttios~-preaep~ed:in~many~othr class ucbons,

7 37. A cuss ;eccion ~~is ~thc •bcst'.ava~tablc method ~f the s dent adjudication of t~► s,

~ liti~~tic~n because ind'tvi~u~i-IiGgation of'Cless ti~enibeis" elaims vsrou[~ be impi~ciicable end unduly

~ burdensorne•to.th~ courts, .. and~.h~v the; A otenti~! to ~resuJ~ in anconsi~ent _or santradicto ra rY 'ud J _ _rr#ent~':

10 .

• Thelre are rio~uiiusuat~di cultiess•l~k~(y:to°be ~sicountere~`iri't~ie r»a~i~g~~tient of this (idgation 's~ Mass

lI

I2 ~afion..~. class, ~c~ion ,presets yfew~r•, ~nnanag ent' problems. •and provides ehs b.~n t~ sf san~te

l~ ~+~judicaYion, econarnies ofsle; a~i~ rornpi~tie~siva~supervisi~i b}► a sinle,c~uit.

1$ 38= 'G~cfificstion of ;the• Cass under C,~lifbmi~, C,~de of Givit Proc~tlur~ § ~3;82•'Is

IS ~ 

~P • m Praa#e in that,

16

a. The ques~i~ns ~a~ :taw • ~r~ fact common co the members of the Cfa~ss

17

I.~ .ptcdominate o'ver•.~sy.~qu+osis affeciin on!y'i~dividval.tnembers; and

19 ~. A cl~ss~acti~z~ ~s.superior• tc~ o~h~r avmitabl~ methods for the.=fair and: sff#Cint

20 aajudication•iifthe~ontroi~ ~'

22 

;39. C~ett ~c~t ono ~ classy under Coil fors is Code• of Civil r~cedur~ § 3S2,Tis ~~lso

22

~appie~p~iaiie is that U~fettdanfs' acted ari ~rou~ds ,gCncrs[ly ~jpplic~ble fc► the Class, thtr~ry rnakiri 23

24 appr°pxiaic dec~r~to:relie.~~iith.respt to ~~~e Class as a whole.

25 :4{}, `Pl~ir~t%~° and fh Clash zeta. antitlr~ t~ sri sward of ~Etarney feos ~ ~cccist~ a ii~s~

26 D~fendarets,.puisuant to'#fze`~RFDCAt~;"C~liforni~ ~ivit Cade § 17~~.I7.'

27

~~~ 2 ~r~~orpc►ratin~ by.~r`ef°err~nce I'S.;U,.~. § I69?.k{a)('~a(~.}•

' T~icor~pocat'sng'~}+. reference l~S U:S.G. I692k(~)C.~}=

gg!

GLASS. A~."I`1QN C MFLAINT`~FUR STA2U'~'C}RY ~~~AG~S

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 13 of 20
1 C ~ O~ A.GTI~N

z ~,A.I.IF't~ ~ `' t)N3 R CLLC`~QPI i~i'~

3

41. :P,I~i~itif~ brims the fust~~causc-of action. a~ains~ ~efen@ants under ltf~rnia `Ciy i

C~cf~§§ 1812:7.00-1812:742,.

S

~ ~42: ~'i~inEiff'repeats,_r~elicges, and incorporates by refer~nce~•alt preceding p .. . phs

7 as thoughfuily set~~rih;~erein!

$ ~~. .Plairiti 'is "debtor" as t}iat #erm~.is tle~+r e~f by Ca~ifari~ia C~vi1 ~C~dc §.1785~;2(h};.

~ ~~. :A~fendant NATI4NA.L, is ~'"~e~t aollecto~" as that term=is d~~ned.by~Ctifor~i~

10

Civil Cride ~ '178 2~c)'.

1t

12 ~5 ;~e#'endant, NA.'T~~}NA:G; is a."third-PBCCyY-~~~t.COII@Gt4P~8U~~j f'~0 f~1S'~~~Ct'~~ 81P

I3 Debt +Golle~tiat~' r~ctices A~t.(15• U. ;G.;Soc .X692 et s~q.),, within the ~meanin~ o€~alifarinia,+~avil

t-4 Cade ~~`l~•I2.700(s):

15 

~~6. The ~inancaal c~bligatio►i owcc! by P.1~tn~i€f ;s ~ '~consu~ner deft" ~as ttsgt dim fs

16

dc~ined by Califo iaACtv3l Code § ~"?8~,a2~t},

17

i$ 7. ~I?~ferid~tit§ failed to inaludc #hc rinticc required 6y ~ati£omi~ 'Civic Cody :,§

I9 '18~2:~00{a) in their' rst=wciti~n.~notjce to Plain#~f~' ~s ~ ty c»siz$ that was ~t.t~ast,,the~s m~~ty~ si Bass.'

2~ 'i~a¢~ used tb infoirin Plairitif~ ~f her speciftc'de6# ar in at: teast'12-pint type, iii vicslation of'C~iifcirni~,

21 ~ivi~ Cade §, 2:8~1~,?Qi~~bj.

22

°48: As a:'resutt o~ D~P~eridattts''Vldli~~Ii3~lS O~ C~II~@%71t'a ~tY•lI'CC, (~~,.70I},,_.

24 ~~'~~int►ff is;en~itte~ to an ~~w.,ard' of s.~~tory damages,"in an ~emnunt not:t~ exce~d,$1#(t~U-against eaeh

Z5• .D. fondant,: urseiaat.'~o•Galifsrni%a Cirial ~flda:§;:l812.7fl2,'

26; ~9. Asia result ~f b$f~n~srits' vlolataon§ ref CaliParni~~ Civil i~de §- I8I2 701{};;°:foie

~7 Gless is entifile~d.to an ~ward,of staluto darns ~s in=fin amaun# not to exceed: the, lsss~r of ~y ~ h... .. ,..YY.`w ~ ;

. ~$

a Gatifar"nia,Cxvi'C Ca~~ § •17.~~.17,•incarp~ratutgfby rr~~'crenc~,IS U.S.C. §§ t692.k(a)(2)(A) and=^(~){~}:

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 14 of 20
P;a.-.

.1 thousand daiI~cs {$S.OQ~~40};car 1,percEnt ~f tie yet tworth of each e~e~dant; purs~ant;to ~if~rnia

~ Givil bode § -17 8>i7~'

3-

5t}.. As a resylt .af A~Fe~dants! yio[adans of ~a[if~rnta ivst +bode ; . t 1.701{~),

S

?lair tiff is entitled t~ ate av~rar~[ ~if`.r~~ssonatile°~tt~rn~y's fees and cons, pursaant~ to :~alifar"rii~ ivRi

~ Catdc: §; i ~12.7t)2

7 51~. ucs~ar~c °to ~atfomia Gvit Cgd~ § 178832, :the =r~m~dies provii~ed =un+~cr

g ; ~allfi~rnia ~Crvil Cock §' I,7$817 ire interideid.tu`be cumulative and in ~dditiot~_~ta any~oth~r pi~ccdtzres;

9

~riglits ar remedies t~iat P1aIntl#f tna~.have~.undcr~.any other pr~xiaion of taw

I4

1,~ - ..

1~ laint;re~ucsts~that;this Caurc.

i3 a} ,Assume jiarisdact~arn i~ this pxocecding,

~~ ~}~ Certi~j►'this'.case,asa class aatiun and,appolnt Fiaintif~"and P!laanti~'s;a~uns~l ~o

y~ ..represent; ate `Mass;

16

c} Find. tt ~t Defendants' colt~edon letter ait~ch~d h r~to ~s ~ bit."`I" violates

17

18 Caiiforn~ ~ivil?Cade ~ 1:~12.7~1~6),.

,~,9 ' A ~ " Ptairitif':tUtory damages in amount not t~ ~ d• $l;t~Qb a~irist

~~ •~ each.befend'unt~,pursuantLto•Caiiforni~ Civil Cone 17$$.1.7.' far ~i 2ation of

23' Galiforsa;C►vit:~:`'~~:~e§ I$:12,?~"t{b);

•22

~} Aw~rd:the ~la'ss s~atiitary•~air~tag~ss aii ~€t a~zou~t ~di to excea~~t~te less~r:gf five .23 _

~~~ ~ ~~iundzed thousand' do1lar~ (~S(~t},OUQ) or 1 percent of th~~ net: worth •of, :each

.~y ~be~eridan~ piarsu~nt; to Caiif~rni~ "Civil Code ~ i7 x.17 ° fvc ~A fca~" ti'

26

%rtcorporatu~ ~~ reference I5 I.I.S.. ~t~2k{a}.

27 ~ZjC~3~~)• ~~ Califorriia~.~ivil Cody ~ 1:788.t~;;uicor~oratipg~by zef~rertc~ t5 C1.:C. § 1G92k(~~~3j.

28 '' Incorporatu~gbyrzeferenc~ IS~~U:~.~: § 1692k{a)CZ)fA~.

'' Tncor~aora~in~by.cefererrca `t 5' IT;S.C. § ~1692k`{a)(2~(H}~ti).

.g~a

'CLASS' ACTICII+1;Ct7MPLA~NT FaR STA'IUTCIRY I~AM.A~r~.S

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 15 of 20
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vio[~tion sf'~alifflrni~ Civil Code § 18_~2.701(b);

.~" inter ari 0rdsr.e~iainfng Defendants from contti►uin~ the: ~ra~d~es;aE a~ae

fh s~case, pursuant ta'Galifbrnia Civlt Code § 3422;

j AwarBrPi~iiit~~,the"costs of this ac~ion and r~asonable'attamey's feas sp

~alfoi~: ~ivi€ Code ~§ 178~.I7;~ and

lij A,ward.:~la~ti :such ether end fiarth~r reli~f.~s~n~ay be bus# ~n ~:propere

L1d3V~VYYIL'.6~.6+~YY 1..1'r1Yt~i1y 6AY~s;

LJ~:

:F'IY.i~ ~..~C~lW4til3 ~w~t~ ~~~5~

1~~Ot1 ~.. R.OUIStOn :L~IV?S6`22j' . .

Matciiew C. Sallmpnsen {t~T.302$54}:

CA1dSUMER LAW'CEIV~I'~R,.~NC..

12 South First Stceet, Suites 181 #

San Jnse, Catifarnia 95! i3-2~#1$

Tetsphane Ntun6ar: ~4t}8~ 294=~1fl0 ,

Facsimile Ncim~cr: (~0~}'X94-6:190

Email Address: fired.schy~iinnla~sj tts~urierlaw:~cszu,

-Attom~ys foc Ptaintif~'

LISA.A.RLENE TIMLICt~

g Iiict~r,~oratEi~ :byrr~fcenc~ 1S:t~.S.~. § 269a)C3,).

2~,~

'Cz.A~S AC'TIUN CQMPLAXNT FQR STA'MJT~RY' DANL~I,G~,S'

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 16 of 20
1 i ~ '_ ~}

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NAvsan~~ ~~"i'eR'P'Rt'3`¢':StiS'T~Ris

2479 Edicap Bivd., unit A t i'~v~t~sur~,;.013Ai087~23A0

Creditor," k.ofAmciica,,1V.A.

denuary 13,'20t6~ Ac.~ountNnt~b~r:.XX.7#X ~ : XXJ{X'78

I'revia~as Account I~tymb~r. XXXXX~X,}C7t~7{X}~'7,1~" ,. ,,.

tdE~ Account 1Vambe~: 21354.73 Ltsa J1 Ttmlidt ' I3atc of Re3'arral: t331S712Q16 P,O`~ox 1334 Data of Issue: 1t129/~a0~ Nice•~A=95A&~-1319`

Please c~ata~t: ~8D0} 973~06U0

Tatet rCt~ouat.lDae: ~2,20t~.10

oChts accauatrhas been fisted with our office for cblie.~tion.

This eoanmunic~tior~~is=fr'om ~,dcbtcoltactgr. Thig 1s ap attempt to coItcct a.~ebt aqd eny tn~ormntion obt~incd wt116e usei#~~Qc if~et purposc`r ~ .~

[Jntess'ysu,»o13f~r~th~s;of'~ce tVtthu~ ~t3~days a~ar~i~oiving this•n~tice that you ilLtpute'ths~vatidFty of tlis:debE oreary•~o~itan

~areo~ i~3s of~~c w~ll~•~suma~th~s,d~bris.v~tia. ~lf you nait~+ this office in writing-within 30 d~ys~fr~m=receiving this hatic~ 'ihat yea di$pufe the va2idiiy oflhts d~5t•ar, My ioa thc~sof, this ol~ca will: obt~ia u~ri~cation of tf~e`iicbi o~ oGt~m a copy, ofe Judgris6nt`and,i~~Il~you a'cop~ ofsu`ch Judgntont or veri~icatlasT. ICyou requost thls:afHcs'In tkttEEn vulthE~:30 Bays afar tc~eivtng°this t ~t~ce, Mils office tvlll ~gavirfe ypu wi~h~tf e same ~tttl eddr~.ss of the artgin~l a~dt4or If dSffe, nt itom,tHe

cw°renr~¢itor.

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Lixe°A,'t'imli~k.

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tQise`CA9S+i54F~~I4 ~ ' _ .. 

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E~xn3ngPhond; (~ .. .: 'a

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~leasa`1or►vard,~it-PnY,meats.and cosr.~ipond~nce to:

PtATit)N~L Ei'~l`F.ELP~tTS~ ~YS°C'

247.9 Edtsa~ Biv`,d; Unis•A

~. ~H daos7.z~~o

~~~~i~ilut~lui~»C~~e~ilu~r~io~~~i~ri~~~ri~~ou~~i~n~►~:~~~'

~~ttiBt~+ (~~ ~0~~ _

~tES Account ~; 21$56774

Aabwrt Nuteibrs: 3tXXA7lXX7Cf(3(3C)t7Q48

Attwunt,~ue; 10 Amt;P~id; ..

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 17 of 20
i

"r bc8t Coltectfon ~iactle~ Aararidthc Feder~t Face Deft Coile~tion Praafoe~•itct ccqufi~ that; +zit uniter.unuxu t

es tray ngtieonta~t you bare" ~ e:m or eRer 9 p.m.'1'koy may nat hem you;by using;tl►rcat~ afvl~tr.~a or _ ; 'or by using

lccfacs may nbt use fatsc or t~Eslcading.stetemcnts ~' calt you ai work if they Jpsow or ti~ve to MncY•thet-yoii~ y ndt

t tt~tk. For ttra most pdei, coltoctgrs »gay no# loci ttnoth~ n; o1h,~x 11i~ii yanr.~tiam~y or spoaist; ~daue yeue ~cid~t

anoth~i:p'crsnn"to con#irm yanr Iccati~ or• wiforce a judgment. i~or i5aarc inCoirnalEon aboae`dabt cciullsetton ~cthriftr~, }mu

lTsade'Gas~ixit~slon~tl-$72rFt'C-Haipgrwuvw.Rc.gov. i4onprofitcr~ditcpunsgii~rg+Ices,mapbaavailab~e'inthadrra.

~~.~~~lsRl~~ .

~~R INFbJ;iA7AT]t~N ABOUT THE Gt1WRAtJO FA1R DEBTCOCLfiC7°!ON PRACTiCE3 AL"7; 5EE•

wwt~ co~a~~aArcol~ta~u~~r~Rnc»~~v1cn. . .

AFdansume~? has the rlg~Ctb crqus~i~tis lvrittn~ tFiat~a'de6t coitectcr or colioctlaa egcnriY cameo •Rirthcr:~eimmunic~ttoa wit~:the aonsum~i A=ivri~ten

~~ f to e~sc c ogqnunfcatian urtlt not prohibit the debt collector or colt~tio~ agengy ttom ts~ing,any'oih acitoa atsthar by laly t~ eeils+.t tht

'Th'e.Na4ional Entctprlsv Syst~ma,~ta~: -At~sldeht Manegtr for tha Seta of Caforndo is:

i/IrtugSo Soutctng C3rnnp,'1G1;G

~3a0 Ghorry :., 23rive Sauih,.Suita X00

t3ldri~ale,. G:otorada 8{?~46

7~0.548-$681

]~iain~ ~nnd_:MAssaehusalts"Ttcsidant~i ,

Onca Hanrslvian and.Wcsl~8:OO AM-9:0~:?,M ~'i`. Tua and furs 8:0~} AM— 7:QD PM~ES7; Ft~ 8:9Q~AM —4;~}~FM EST:

`Phone numbrr..877=6D3=?;1~5

• `~~9_

'Mi»~esafd Ra"sid'ca43:

This~cotlec#Ibn,agtncy ~S.iiccpscd:by the MinaGsoie ~3epa~#ment ofCommcrce.

`I'Iesw.Yark ~tate~Resldenfss

:Deft coll~ctar~, in nccorddttce iaifh the ~air..[7ebt•Cattetlian Fracd Act,`I3 U.S.C. $ {6~2 ttt'sc,~., era pirit~ibitt~ itiuira ~n . pain abie~hre;,

d~tpttrr~ cud unfnlr debt c~ltcat~ar~ e~ort~, Iaclt~tG~g but teat limited to the nsa aa°tlrreat oFvto(cnce~ tlte`t 'af q , 'or pmtsne;te» fiend:

~rcpcai~_pFiot~ alts m'adc vsrtth ttic tntcni io. ay,~abus~, orharnsx.

If,~,aedltnr'oe ttebt collector r i~ivas,a moriajt judgment a yap t~.court, t~ att~Q e~aF leers taa~,pnwent the faIi~wu~ t}~es of incorc e f om being txkaa tQ;pay the dcb~ Sappie~enoai uriry inaom~. {get}; ~i Sespnty, ~9![a , msco ~ ~ ~~ ~; poe~l malnten {eiEinon~}:a~;child suppose Unc~ployraent bcitefitr Dt btitty beneritx ~vaekax' co~apen~ittom6en~ittr.~PublT~or prtvata;g"snst~sri~ Yei~ra~s' bcgefsts~ F~dcra`T,~kudgnt 1oan3,=f,~ere1'siudant grants, and'federai-work study itinAr d n6tctypere~nt ofygur ws~~s.oe; tary~e~r~ed~in,~th~ i~ct. sizlj! days

..~ ~..~

Picw Yank Clty.~' a~.~titent°oTConsntn~r AtI'airs_ Li ~Numb~r: 1329423

Pi~iietuim~~:877•b03~9'E65

Gampiis ,, .ant=Maa~ga:~r~That

rth~~~ i a it i~eatee

iVaith'G~rtiti~Pcmlt:Nuinbct: ~20i64t

~`sanetxee rta[deafa~:

'f~,fs.call~ii~an a~cncy to if .by.thc'Cgllcc tas,S~rvlca &yard at~ho ' ~ nt~iraa°cec•and'lrisii ,

W(:eonsE~ degM:

This;c~Itcctian 4gr~}`~Is ~ =6y fhcDlv~sion ofl3anking (n thn WJseansin Depertmcne ~fFenengla3~t~s}iiuiioas; www.ar,~r,

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 18 of 20
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WUcom A#I 4E#43,t422

,AHHR65fi SERViCg R£QUPL"C~D

d6[itH~irajlu~~tlUi~~g1~~~~~,,~ ~a~n~gq~P~~y~lh1~~ll

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Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 19 of 20
CERTIFICATE OF SERVICE

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I, Jennifer Mueller, declare:

I am a citizen of the United States, am over the age of eighteen years, and am not a party to or

interested in the within entitled cause. My business address is 740 University Avenue, Suite 100,

Sacramento, CA 95825.

On February 3, 2017, I served the following documents) on the parties in the within action:

DEFENDANT NATIONAL ENTERPRISE SYSTEMS, INC.'S NOTICE OF REMOVAL OF

ACTION UNDER 2$ USC § 1441(b) (DIVERSITY)

BY MAIL: I am familiar with the business practice for collection and processing of mail.

The above-described documents) will be enclosed in a sealed envelope, with first class

X postage thereon fully prepaid, and deposited with the United States Postal Service at

Sacramento CA on this date addressed as follows:

Fred W. Schwinn Attorneys for Plaintiff

Raeon R. Roulston Lisa Arlene Timlick

Matthew C. Salmonsen

Consumer Law Center, Inc.

'~ 12 South First Street

~~ Suite 1014

San Jose, CA 95113-2404

I declare under penalty of perjury under the laws of the State of California that the foregoing is

a true and correct statement and that this Certificate was executed on February 3, 2017.

By.

enni e Mueller

-3-

I DEFENDANT NATIONAL ENTERPRISE SYSTEMS, INC.'S NOTICE OF REMOVAL OF ACTION UNDER 28 USC

§ 1441(b) (DIVERSITY)

Case 1:17-cv-00559-NJV Document 1 Filed 02/03/17 Page 20 of 20