UNITED STATES DISTRICT COURT FOR THE EASTERN …Santander's deficiency judgment claims were barred...

UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF WISCONSIN

MILWAUKEE DIVISION

ERIK W. ANDERSON, Individually and on Behalf of All Others Similarly Situated, Plaintiff, vs. SANTANDER CONSUMER USA, PROFESSIONAL BUREAU OF COLLECTIONS OF MARYLAND, INC., and NCB MANAGEMENT SERVICES, INC. Defendants.

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Case No.: 17-cv-12 CLASS ACTION COMPLAINT Jury Trial Demanded

INTRODUCTION

1. This class action seeks redress for collection practices that violate the Fair Debt

Collection Practices Act, 15 U.S.C. § 1692 et seq. (the “FDCPA”), the Wisconsin Consumer Act,

Chs. 421-427, Wis. Stats., and Wisconsin common law.

JURISDICTION AND VENUE

2. The court has jurisdiction to grant the relief sought by the Plaintiff pursuant to 15

U.S.C. § 1692k and 28 U.S.C. §§ 1331, 1337 and 1367. Venue in this District is proper in that

Defendants directed their collection efforts into the District.

PARTIES

3. Plaintiff Erik W. Anderson (“Anderson”) is an individual who resides in the

Eastern District of Wisconsin (Milwaukee County).

4. Anderson is a “consumer” as defined in the FDCPA, 15 U.S.C. § 1692a(3), in that

Defendant sought to collect from him a debt allegedly incurred for personal, family or household

purposes, namely an automobile loan.

5. Anderson is a “customer” as defined in the WCA, Wis. Stat. § 421.301(17), in

that he engaged in a consumer credit transaction. Wis. Stat. § 421.301(10). An automobile loan

Case 2:17-cv-00012 Filed 01/03/17 Page 1 of 17 Document 1

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is, by definition, a “consumer credit transaction” under the WCA. Id. The amount financed in the

loan transaction was less than $25,000.00.

6. Defendant Santander Consumer USA, Inc. (“Santander”) is a foreign corporation

with its principal place of business located at 8585 North Stemmons Freeway, 1100N, Dallas,

Texas 75247.

7. According to Santander's website, Santander "is a full-service, technology-driven

consumer finance company focused on vehicle finance and unsecured consumer lending

products. The company, which began originating retail installment contracts in 1997, has a

serviced portfolio of more than $40 billion (as of September 30, 2014), has more than two

million customers across all credit grades, and is headquartered in Dallas."

8. With respect to Anderson and the class, Santander is engaged in the business of a

collection agency, using the mails, telephone and legal actions to collect consumer debts.

9. Wis. Stat. § 427.103(3) defines debt collector as: “any person engaging, directly

or indirectly, in debt collection, and includes any person who sells, or offers to sell, forms

represented to be a collection system, device or scheme, intended or calculated to be used to

collect claims. The term does not include a printing company engaging in the printing and sale of

forms.” (emphasis added). On its face, Wis. Stat. § 427.103(3) applies to creditors collecting on

their own behalf.

10. Wis. Stat § 427.103(2) states: “Debt collection” means any action, conduct or

practice of soliciting claims for collection or in the collection of claims owed or due or alleged to

be owed or due a merchant by a customer.”

11. The Western District of Wisconsin has also noted: “Unlike the FDCPA, the

Wisconsin Consumer Act does not provide exceptions to its general definition of a debt

collector.” Hartman v. Meridian Fin. Servs., 191 F. Supp. 2d 1031, 1048 (W.D. Wis. 2002).


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12. Santander is in the business of collecting debts owed to itself or its predecessors

in interest, incurred for personal, family or household purposes.

13. Defendant Professional Bureau of Collections of Maryland, Inc. (“PBCM”) is a

foreign corporation with its principal place of business located at 5295 DTC Parkway,

Greenwood Village, CO, 80111.

14. PBCM is engaged in the business of a collection agency, using the mails and

telephone to collect consumer debts originally owed to others.

15. PBCM is engaged in the business of collecting debts owed to others and incurred

for personal, family or household purposes. PBCM is a debt collector as defined in 15 U.S.C. §

1692a and Wis. Stat. § 427.103(3).

16. Defendant NCB Management Services, Inc. (“NCB”) is a foreign limited liability

company with its principal place of business located at One Allied Drive, Trevose, PA 19053.

17. NCB is engaged in the business of a collection agency, using the mails and

telephone to collect consumer debts originally owed to others.

18. NCB is engaged in the business of collecting debts owed to others and incurred

for personal, family or household purposes. NCB is a debt collector as defined in 15 U.S.C. §

1692a and Wis. Stat. § 427.103(3).

FACTS

Santander’s State Court Replevin Lawsuits

19. The case now before this court is a continuing chapter in a long-running dispute

between Anderson and Santander over a 2006 Chevrolet Trailblazer.

20. On November 17, 2011, Santander brought an action for replevin against

Anderson (the "2011 Action"), in a case styled as Santander Consumer USA, Inc. v. Erik W.


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Anderson, Milwaukee County Case No.: 11-SC-034603. A copy of the complaint in the 2011

Action is attached as Exhibit A.

21. In the 2011 Action, Santander sought replevin under a motor vehicle purchase

agreement for a 2006 Chevrolet Trailblazer, alleging a default of that agreement. The 2011

action was dismissed on January 11, 2012.

22. On March 1, 2012, Santander brought a similar action for replevin against

Anderson (the "2012 Action"), in a case styled as: Santander Consumer USA, Inc. v. Erik W.

Anderson, Milwaukee County Case No.: 12-SC-007550. A copy of the complaint in the 2012

Action is attached as Exhibit B.

23. The Complaint Santander filed in the 2012 Action was virtually identical to that

filed in the 2011 Action.

24. In the 2012 Action, the parties filed cross motions for summary judgment. On

August 6, 2012, on the day the Court had scheduled to hear oral arguments on the parties cross

motions for summary judgment, the parties reached an agreed upon settlement with respect to all

aspects of the 2012 Action.

25. These settlement terms were memorialized by a Stipulation and Order Dismissing

Action filed with the Court on September 13, 2012 and the action was dismissed on that day. A

copy of the Stipulation and Order is attached as Exhibit C.

26. Under the written and executed stipulation of the parties, the only rights retained

by Santander relative to the claims in the 2012 Action were set forth in paragraph 6 of the

Stipulation and Order for Dismissal, which provided as follows: "If Defendant [i.e. Anderson]

fails to satisfy any of the requirements set forth above the Plaintiff, without notice to the

Defendant, shall be entitled to file and Affidavit of Default with the Court, and the Court shall


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reopen this matter and grant a replevin judgment for possession of said vehicle plus statutory

costs."

27. The above-referenced Stipulation and Order, duly executed by both parties,

resolved all aspects of the case, including paragraph 9 of the Complaint in the 2012 Action,

which sought a judgment for any deficiency amounts after repossession and sale of the subject

vehicle. Exhibit B at 5.

28. The parties negotiated the terms of the Stipulation and Order for Dismissal of

Action. Santander could have negotiated to include its rights to deficiency amounts upon any

breach of the Stipulation and Order for Dismissal of Action but it chose not to. Rather, the only

rights reserved by Santander were for Santander’s judgment of replevin for possession of the

vehicle and for statutory costs.

29. On May 8, 2013, Santander filed its Affidavit of Default and Replevin Judgment.

A copy of the Affidavit of Default is attached as Exhibit D. As stated in its Affidavit, Santander

sought a judgment of replevin of the subject vehicle, plus statutory costs in the amount of

$297.50. Similarly, on the Judgment of Replevin signed by the Court (a copy of which is

attached as Exhibit E), the only rights afforded to Santander were for possession of the vehicle

and for statutory costs in the amount of $297.50.

30. Neither the Affidavit of Default, nor the Replevin Judgment sought any

deficiency judgment. Exhibits D, E. This is intuitive as that claim had been resolved by the

September 13, 2012 Stipulation and Order Dismissing Action (Exhibit C), which only preserved

for Santander possession of the vehicle and statutory costs.

31. On January 20, 2015, Santander filed another action seeking a deficiency

judgment on the same vehicle as in the 2011 and 2012 actions. Santander Consumer USA, Inc. v.


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Erik W. Anderson, Milwaukee County Case No.: 15-SC-001388 (the "2015 Action"). A copy of

the complaint in the 2015 Action is attached as Exhibit F.

32. In its Complaint, Santander alleged the existence of the same motor vehicle

purchase agreement that was the subject of the 2011 and 2012 cases. Id. Santander made the

same allegations of Anderson's default of that purchase contract that it made in the 2011 and

2012 Actions. Id. Santander went on to allege that it "regained possession of the motor vehicle

and, pursuant to applicable law, sold it in a commercially reasonable manner." Following these

allegations, Santander alleged that it "applied the proceeds of the commercially reasonable sale,

which totaled $6,000.00, to the Contract balance. After applying the sale proceeds to the unpaid

Contract balance of $19,792.60, plus allowable expenses of disposition and late charges of

$758.50, there is a principal balance due and owing in the amount of $9,704.60."

33. Thus, in the 2015 action, Santander was seeking a deficiency judgment on the

original purchase agreement in this case. But that claim had been resolved by virtue of the

Stipulation and Order Dismissing the 2012 Action. Exhibit C.

34. In the 2015 action, Anderson moved for summary judgment on grounds that

Santander's deficiency judgment claims were barred by the doctrine of claim preclusion or Res

Judicata or alternatively, by the doctrine of issue preclusion.

35. On June 10, 2015, the Court granted Anderson's motion for summary judgment

on grounds that Santander's claim was barred by issue preclusion. A copy of the transcript of the

hearing in which the Court granted summary judgment to Anderson is attached as Exhibit G. The

Wisconsin Circuit Court Access (“CCAP”) record for the 2015 Action is attached as Exhibit H.

36. Santander did not appeal the judgment in the 2015 Action or seek reconsideration.

Exhibit H. Wis. Stat. § 808.04(1).


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37. Despite the judgment of the court, Santander continued to attempt to collect a

deficiency on the same vehicle contract by hiring debt collectors. Each debt collector asserted

that Anderson still owed a deficiency to Santander on the Trailblazer contract.

PBCM Debt Collection

38. On or about January 15, 2016, PBCM mailed a debt collection letter to Anderson

regarding the same alleged Santander debt, A copy of this letter is attached to this complaint as

Exhibit I.

39. Upon information and belief, Exhibit I is a form letter, generated by computer,

and with the information specific to Anderson inserted by computer.

40. Upon information and belief, Exhibit I is a form debt collection letter used by

PBCM to attempt to collect alleged debts.

41. Exhibit I contains the following text:

Exhibit I.

42. The letter purports to offer a settlement for 30% of the total alleged debt.

43. The settlement offer in Exhibit I falsely states or implies that the settlement offer

is valid only if payment is received "in our [PBCM's] office on or before 01/29/2016."

44. Upon information and belief, PBCM had authority from the creditor to settle

consumers’ accounts for 30% of the amount owed, or less, at any time.

45. Statements such as a settlement offer is a “limited time offer,” or that the offer

expires on a specific date, or that payments must be received by that date, are false and

misleading because the same offer is, upon information and belief, available at any time.


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46. Such false statements are material false statements, as they impart in the

unsophisticated consumer, a false belief that he or she must hurry to take advantage of a limited-

time opportunity, when in reality, there is no such time limit.

47. The Seventh Circuit has established “safe harbor” language regarding settlement

offers in collection letters: As in previous cases in which we have created safe-harbor language for use in cases under the Fair Debt Collection Practices Act, we think the present concern can be adequately addressed yet the unsophisticated consumer still be protected against receiving a false impression of his options by the debt collector's including with the offer the following language: “We are not obligated to renew this offer.” The word “obligated” is strong and even the unsophisticated consumer will realize that there is a renewal possibility but that it is not assured.

Evory v. RJM Acquisitions Funding L.L.C., 505 F.3d 769, 775-76 (7th Cir. 2007).

48. PBCM did not use the safe harbor language in Exhibit I.

49. Upon information and belief, the deadline in Exhibit I to respond to the settlement

offer is a sham. There is no actual deadline. The sole purpose of the purported deadline is to

impart in the consumer a false sense of urgency.

50. Further, at the time PBCM mailed Exhibit I to Anderson, Anderson did not owe

the alleged Santander debt.

51. At the time Santander engaged PBCM to collect the alleged Santander debt,

Santander knew that the debt was not owed.

52. PBCM's representation that Anderson owed a debt to Santander was a false and

misleading representation.

NCB Debt Collection

53. On or around February 29, 2016, NCB mailed a debt collection letter to Anderson

regarding the same alleged Santander debt. A copy of this letter is attached as Exhibit J.


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54. At the time NCB mailed Exhibit J to Anderson, Anderson did not owe the alleged

Santander debt.

55. At the time Santander engaged NCB to collect the alleged Santander debt,

Santander knew that the debt was not owed.

56. NCB's representation that Anderson owed a debt to Santander was a false and

misleading representation.

57. Anderson was confused by Exhibits I and J. Santander, PBCM and NCB were

continuing to collect a debt that Anderson did not owe, despite the court judgment in Anderson’s

favor.

58. Moreover, until Anderson disputed the debt with consumer reporting agencies

(“CRAs”) in November 2016, Santander was also reporting the Santander debt as valid and

charged off with the three major CRAs, TransUnion, Experian and Equifax.

59. Anderson suffered significant actual damages as a result of Santander’s actions.

60. Anderson paid attorneys’ fees to his attorney, George Peek of Crivello Carlson,

S.C., in defense of Santander's deficiency claim in the 2015 Action. Santander should never have

brought the 2015 Action, as Anderson and Santander had resolved all claims in the 2012 Action.

61. Anderson also lost wages due to his participation in defense of the 2015 Action.

This includes Anderson having to appear in Court at the hearing on summary judgment on June

10, 2015, in case his testimony was required, and preparation prior to the hearing.

62. Anderson purchased a Harley Davidson motorcycle on or around May 4, 2013.

63. Because Santander was reporting the alleged deficiency, which the court had

denied, as owed and charged off, Anderson’s wife was required to co-sign the loan.

64. Additionally, as a result of Santander's actions, Anderson and his wife were

charged an inflated interest rate of 9.99 percent on the motorcycle purchase loan.


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65. If Santander had been reporting the loan correctly, i.e. as having a zero balance

since the Replevin Judgment was entered (Exhibit E), rather than Santander’s asserted deficiency

balance, Anderson’s “credit scores” would have been higher, he would have qualified for a lower

rate and his wife would not have been required to co-sign the loan.

66. Similarly, on October 18, 2014, Anderson was not permitted to co-sign a loan

with his spouse to purchase a 2009 GMC Sierra 1500 vehicle. As a result, Anderson and his wife

paid interest at an inflated rate.

67. Anderson was also required to pay an inflated interest rate on a lease-to-own

agreement to purchase a semi tractor.

68. Anderson suffered emotional distress as a result of Santander’s continued efforts

to collect a deficiency after the claim was settled and after Santander had lost in court on the

same claim.

The FDCPA

69. The FDCPA prohibits debt collectors from, among other things, collecting debts

that are not owed.

70. 15 U.S.C. § 1692e generally prohibits “any false, deceptive, or misleading

representation or means in connection with the collection of any debt.”

71. 15 U.S.C. § 1692e(10) specifically prohibits the “use of any false representation

or deceptive means to collect or attempt to collect any debt.”

72. 15 U.S.C. § 1692f generally prohibits “unfair or unconscionable means to collect

or attempt to collect any debt.”

73. 15 U.S.C. § 1692f(1) specifically prohibits: "The collection of any amount

(including any interest, fee, charge, or expense incidental to the principal obligation) unless such

amount is expressly authorized by the agreement creating the debt or permitted by law."


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74. PBCM and NCB, at Santander's behest, sent Exhibits I and J to Anderson after the

subject debt was resolved by stipulation and the Replevin Judgment and after Anderson had

subsequently proven in court that the alleged Santander debt was not owed. Exhibits E, G. 75. Anderson had to spend time and money investigating Exhibits I and J, and the

consequences of any potential responses to Exhibits I and J.

76. Anderson had to take time to obtain and meet with counsel, including traveling to

counsel’s office by car and its related expenses, including but not limited to the cost of gasoline

and mileage, to advise Plaintiff on the consequences of Exhibits I and J.

77. The FDCPA creates substantive rights for consumers; violations cause injury to

consumers, and such injuries are concrete and particularized. Quinn v. Specialized Loan

Servicing, LLC, No. 16 C 2021, 2016 U.S. Dist. LEXIS 107299 *8-13 (N.D. Ill. Aug. 11, 2016)

(rejecting challenge to Plaintiff’s standing based upon alleged FDCPA statutory violation); Lane

v. Bayview Loan Servicing, LLC, No. 15 C 10446, 2016 U.S. Dist. LEXIS 89258 *9-10 (N.D. Ill.

July 11, 2016) (“When a federal statute is violated, and especially when Congress has created a

cause of action for its violation, by definition Congress has created a legally protected interest

that it deems important enough for a lawsuit.”); Church v. Accretive Health, Inc., No. 15-15708,

2016 U.S. App. LEXIS 12414 *7-11 (11th Cir. July 6, 2016) (same); see also Mogg v. Jacobs,

No. 15-CV-1142-JPG-DGW, 2016 U.S. Dist. LEXIS 33229, 2016 WL 1029396, at *5 (S.D. Ill.

Mar. 15, 2016) (“Congress does have the power to enact statutes creating legal rights, the

invasion of which creates standing, even though no injury would exist without the statute,”

(quoting Sterk v. Redbox Automated Retail, LLC, 770 F.3d 618, 623 (7th Cir. 2014)). For this

reason, and to encourage consumers to bring FDCPA actions, Congress authorized an award of

statutory damages for violations. 15 U.S.C. § 1692k(a).


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78. Moreover, Congress has explicitly described the FDCPA as regulating “abusive

practices” in debt collection. 15 U.S.C. §§ 1692(a) – 1692(e). Any person who receives a debt

collection letter containing a violation of the FDCPA is a victim of abusive practices. See 15

U.S.C. §§ 1692(e) (“It is the purpose of this subchapter to eliminate abusive debt collection

practices by debt collectors, to insure that those debt collectors who refrain from using abusive

debt collection practices are not competitively disadvantaged, and to promote consistent State

action to protect consumers against debt collection abuses”).

The Wisconsin Consumer Act

79. The Wisconsin Consumer Act (“WCA”) was enacted to protect consumers against

unfair, deceptive, and unconscionable business practices and to encourage development of fair

and economically sound practices in consumer transactions. Wis. Stat. § 421.102(2).

80. The Wisconsin Supreme Court has favorably cited authority finding that the

WCA “goes further to protect consumer interests than any other such legislation in the country,”

and is “probably the most sweeping consumer credit legislation yet enacted in any state.” Kett v.

Community Credit Plan, Inc., 228 Wis. 2d 1, 18 n.15, 596 N.W.2d 786 (1999) (citations

omitted).

81. To further these goals, the Act’s protections must be “liberally construed and

applied.” Wis. Stat. § 421.102(1); see also § 425.301.

82. “The basic purpose of the remedies set forth in Chapter 425, Stats., is to induce

compliance with the WCA and thereby promote its underlying objectives.” First Wisconsin

Nat’l Bank v. Nicolaou, 113 Wis. 2d 524, 533, 335 N.W.2d 390 (1983). Thus, private actions

under the WCA are designed to both benefit consumers whose rights have been violated and also

competitors of the violators, whose competitive advantage should not be diminished because of

their compliance with the law.


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83. To carry out this intent, the WCA provides Wisconsin consumers with an array of

protections and legal remedies. The Act contains significant and sweeping restrictions on the

activities of those attempting to collect debts. See Wis. Stats. § 427.104.

84. The Act limits the amounts and types of additional fees that may be charged to

consumers in conjunction with transactions. Wis. Stats. § 422.202(1). The Act also provides

injured consumers with causes of action for class-wide statutory and actual damages and

injunctive remedies against defendants on behalf of all customers who suffer similar injuries. See

Wis. Stats. §§ 426.110(1); § 426.110(4)(e). Finally, “a customer may not waive or agree to

forego rights or benefits under [the Act].” Wis. Stat. § 421.106(1).

85. Consumers’ WCA claims under Wis. Stat. § 427.104(1) are analyzed using the

same methods as claims under the FDCPA. While the Seventh Circuit has not squarely

interpreted how WCA cases based upon the content of debt collection letters should be

determined, federal courts in this District and the state courts in Wisconsin generally look to

FDCPA case law for guidance. Indeed, the WCA itself requires that the court analyze the WCA

“in accordance with the policies underlying a federal consumer credit protection act,” including

the FDCPA. Wis. Stat. § 421.102(1).

86. Further, the Wisconsin Supreme Court has held that WCA claims relating to debt

collection are to be analyzed under the “unsophisticated consumer” standard. Brunton v. Nuvell

Credit Corp., 785 N.W.2d 302, 314-15. In Brunton, the Wisconsin Supreme Court explicitly

adopted and followed the “unsophisticated consumer” standard, citing and discussing Gammon

v. GC Servs. Ltd. P'ship, 27 F.3d 1254, 1257 (7th Cir. 1994). Id.

87. Chapter 427, Wis. Stats., governs debt collection activities in Wisconsin.


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88. Wis. Stat. § 427.104(1)(c) states that a debt collector may not: “Disclose or

threaten to disclose information adversely affecting the customer's reputation for credit

worthiness with knowledge or reason to know that the information is false.”

89. Wis. Stat. § 427.104(1)(j) states that a debt collector may not: “Claim, or attempt

or threaten to enforce a right with knowledge or reason to know that the right does not exist.”

COUNT I – FDCPA

90. Anderson incorporates by reference as if fully set forth herein the allegations

contained in the preceding paragraphs of this Complaint.

91. Count I is brought against defendant PBCM.

92. Exhibit A includes false statements to the effect that the settlement offer payment

must be received by a specific date.

93. Upon information and belief, the creditor and/or PBCM would settle Anderson’s

and class members’ debts at the offered discount and likely for less at any time, regardless of the

supposed deadline.

94. PBCM violated 15 U.S.C. §§ 1692e, 1692e(10) and 1692f.

COUNT II -- FDCPA



96. Count II is brought against defendants PBCM and NCB.

97. PBCM and NCB attempted to collect a debt that Plaintiff did not actually owe.

98. PBCM and NCB violated 15 U.S.C. §§ 1692e, 1692e(10),1692f and 1692f(1).


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COUNT III – WCA



100. Count III is brought against all defendants.

101. Santander's continued attempts to collect the alleged Santander debt were

attempts and threats to enforce a right to payment of the alleged deficiency, even though

Santander knew or should have had reason to know that no such right existed at the time it

engaged PBCM and NCB to collect the alleged debt, as it had settled the deficiency claim in the

2012 Action.

102. Exhibits F-J claim, attempt, or threaten to enforce a right to payment, even though

Defendants knew or should have had reason to know that no such right existed at the time the

letters were sent.

103. Santander reported the alleged debt to CRAs as a valid debt that had been charged

off, after the debt had been resolved by stipulation and the replevin judgment, and after summary

judgment was granted to Anderson in court on the deficiency claim.

104. As a result of Santander’s actions, Plaintiff suffered actual damages.

105. Defendants violated Wis. Stat. §§ 427.104(1)(c) and 427.104(1)(j).

COUNT IV -- INJUNCTIVE AND DECLARATORY RELIEF



107. Count IV is brought against defendant Santander.

108. As set forth above, Santander has intentionally misrepresented that Anderson

owes a debt that he does not owe.


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109. Santander has continued to harass Anderson with collection efforts after

Santander’s claims relating to the Trailblazer loan were resolved by stipulation and after

Santander’s deficiency action was dismissed on summary judgment in court.

110. Santander’s practices described herein are unlawful and against public policy, and

therefore, Santander should be prohibited and enjoined from engaging in these practices in the

future and should be compelled to correct the harm caused by their conduct.

CLASS ALLEGATIONS

111. Anderson brings this action on behalf of a Class, consisting of (a) all natural

persons in the State of Wisconsin (b) who were sent a collection letter in the form represented by

Exhibits I or J to the complaint in this action (c) seeking to collect a debt for personal, family or

household purposes allegedly owed to Santander, (d) after judgment was entered against

Santander on the same debt, (e) between January 3, 2016 and January 3, 2017, inclusive, (f) that

was not returned by the postal service.

112. The Class is so numerous that joinder is impracticable. Upon information and

belief, there are more than 50 members of the Class.

113. There are questions of law and fact common to the members of the class, which

common questions predominate over any questions that affect only individual class members.

The predominant common question is whether Defendants complied with 15 U.S.C. §§ 1692e,

1692e(10), 1692f, Wis. Stat. § 427.104(1) and common law.

114. Anderson’s claims are typical of the claims of the Class members. All are based

on the same factual and legal theories.

115. Anderson will fairly and adequately represent the interests of the Class members.

Anderson has retained counsel experienced in consumer credit and debt collection abuse cases.


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116. A class action is superior to other alternative methods of adjudicating this dispute.

Individual cases are not economically feasible.

JURY DEMAND

117. Anderson hereby demands a trial by jury.

PRAYER FOR RELIEF

WHEREFORE, Anderson requests that the Court enter judgment in favor of Anderson

and the Class and against Defendants for:

(a) actual damages;

(b) statutory damages;

(c) injunctive relief;

(d) attorneys’ fees, litigation expenses and costs of suit; and

(e) such other or further relief as the Court deems proper.

Dated: January 3, 2017

ADEMI & O’REILLY, LLP By: s/ John D. Blythin Shpetim Ademi (SBN 1026973) John D. Blythin (SBN 1046105) Mark A. Eldridge (SBN 1089944) 3620 East Layton Avenue Cudahy, WI 53110 (414) 482-8000 (414) 482-8001 (fax) [email protected] [email protected] [email protected]


Case 2:17-cv-00012 Filed 01/03/17 Page 1 of 16 Document 1-1
















Exhibit B


1809.79

STATE OF WISCONSIN, CIRCUIT COURT, MILWAUKEE COUNTY FAOffi 1 pyPlaintiff(s) (Name and Address). )ii, eLcof Jo--Summons for

SANTANDER CONSUMER USA, INC. Consumer Replevin520RUFF(CaseCode 31003) /19Vel 1/1-:1, SNOW' DRIVENORTH RICHLAND HILLS, TX 76180 LT] Amended

-VS

Defendant(s) (Name and Address): Case No.C")

ERIK W. ANDERSON i'4i.1

1,,,, /10_%4,_i;4:4(.1)4500 S. 124TH STREET, O6 C2E,-.....jMILWAUKEE, WI 53228 kl (A-L--i MAR 0 f 2012 :SCC.T1CZ)THE STATE OF WISCONSIN, to the said defendant(s) Jr!!,,inf4E-17

Lp., k (.Yr UnitCklu.0The plaintiff named above has commenced an action to recover possession of the following property:

2006 CHEVROLET TRAILBLAZER

VIN O I ONDS I3S362294397

This claim arises under a consumer credit transaction under which you are alleged to be in default, as described inthe attached complaint.

IF YOU ARE NOT IN DEFAULT OR HAVE AN OBJECTION TO THE PLAINTIFF'S TAKING THE PROPERTYLISTED ABOVE, YOU MAY ARRANGE FOR A HEARING-ON Ti I-ESE ISSUES BY APPEARING-I-N-THE-CIRGUITCOURT OF MILWAUKEE COUNTY, BEFORE-4496.g/COMMISSIONEROR ANY OTHE/COMMISSIONERTO WHOM THE ACTION MAY BE ASSIGNED ON March 29, 2012 AT 9:00 A.M,IF YOU DO NOT APPEAR AT THAT TIME, JUDGMENT WILL BE RENDERED AGAINST YOU FOR DELIVERY OFTHE PROPERTY TO THE PLAINTIFF.

Place to Appearroom number)

MILWAUKEE COUNTY COURTHOUSE 901 N. 9th Street Room 400, Milwaukee, WI 53233

If you need help in this matter because of a

disability, please call:414-454-9489 ClerktAttorney

Name Printed or Typed

Dale

la^••le Et el.EMI III W

Jerome C. Johnson, Attorney for P1amtift,4, .CLEN-

$14, Ate, qcsAddress

4f. :CF:_839 NORTH JEFFERSON STREET I 1;' 111 a 0 0SUITE 200

MILWAUKEE, WISCONSIN 53202 41/4' se"I'r;;:r r IT... 3 j 3.7!) f,""..61'° "ri'An <9 1. 20 1 '2Telephone Number 1 State Bar Number ro,

(414) 271-5400 1 1016307

SC-16, 06/02 Sbmmons tor Consumer Replevin§425.205. Wisconsal StatuiesThis form shall not be modified. It may be supplemented with additional material.


VERIFICATION

State of Wisconsinss

Milwaukee County

The undersigned, upon first being duly sworn, states that he is the attorney for

the plaintiff, and states that the Complaint herein is true, based upon information

provided by the plaintiff, and as to any matter stated upon information and belief,

your affiant believes those statements to be true.

k/1/9)1(12. A47/Adr---Jerome C. Johnson


Subscribed ar3-.I.,."`';:iiiiiiIkkilefore methis 23rd daj .4, IS Al2.#I 1

1 1 1 11 'ffir

....i.a...4.H &It A C2) 1.1-t-ity)Notary Pugflic, ctEVEW.-:4''''" .colgsin.r.My commisludA x ire Z4,4'12014

'141.74s0 sc,,C)' IP

STATE OF WISCONSIN CIRCUIT COURT MILWAUKEE COUNTY

SANTANDER CONSUMER USA, INC5201 RUES SNOW DRIVENORTH RICHLAND HILLS, TX 76180, N,

Plaintiff, y--)COMPLAINT

cpv. Small Claims-Replevin

Code No.; 31003 cn

ERIK W. ANDERSON.*:11.1:4);ObMthl:.1,, rfD"A

cnCD

4500 S. 124TH STREET, 46 1

MILWAUKEE, WI 53228, LSO t",,vft. 01 3'i!; SC1Defendant(s).

4 JORNaATTF.,4

Plaintiff, Santander Consumer USA, Inc., f/k/a DriveFinancial Services, LP (hereinafter "Santander"), by its attorneys,Galanis, Pollack, Jacobs & Johnson, S.C., as and for a cause ofaction against the defendant above named, alleges and shows to thecourt as follows:

1. That Santander is a foreign corporation existingunder and by virtue of the laws of the State of Illinois with itsprincipal office located at the address in the caption.

2. The defendant (whether one or more), is an adultresident of Wisconsin whose last known address is shown in thecaption_

3. Further, upon information and belief, thehereinafter-described vehicle is located in and/or the defendantresides in Milwaukee County, State of Wisconsin, and this court

accordingly has jurisdiction pursuant to Sections 425.205, 799.11,421.401, and 799.16, Wis. Stats.

4. That, upon information and belief, the defendantentered into a Retail Installment Contract, a copy of which isattached hereto and incorporated by reference herein and markedExhibit "A". Further, that one of the terms and conditions of saidcontract was that seller may assign the contract and its assigneeshall acquire all of the interest of seller in the contract and


property and shall be entitled to all of the rights and privilegesof the seller under said contract.

5. That said Retail Installment contract betweenthedefendant and Seller was, in fact, assigned to Santander inaccordance with the terms of the assignment set forth in saidcontract.

6. That Santander mailed a written notice to the lastknown address of the defendant, a copy of which is attached hereto,marked Exhibit "B" and incorporated by reference herein, informingsaid defendant they were in default and that they had a right tocure the default within 15 days. Further, that said notice gavethe name, address and telephone number of Santander as well as anidentification of the contract and the property which was thesubject of said contract upon which the debts were due; further,that upon information and belief, the defendant failed to curetheir default.

7. That attached hereto, marked as Exhibit "C" andincorporated herein by reference, is a Payment History relative tothe Retail Installment Contract.

8. That the defendant will have a right to redeem saidvehicle pursuant to Section 425.208, Wis. Stats., by making thefollowing payments:

PAST DUEINSTALLMENTS: 06/13/11 $198.25

07/13/11 499.7508/13/11 499.7509/13/11 499.7510/13/11 499.7511/13/11 499.7512/13/11 499.7501/13/12 499.7502/13/12 499.75Late Charges: 110.00

COURT COSTS: Atty. Fees: $150.00Filing Fees: 99.00Service Fees: 50.00

2

$4, 306.25

299.00


PERFORMANCEDEPOSIT: (Three Advance

Installments)$1, 499.25

TOTAL AMOUNTDUE

$6, 104.50

Further, if tender is made on or after any subsequent monthly duedate, the additional installment then due.

9. That, upon information and belief, in the event thedefendant fails to redeem the collateral, Santander will have acause of action against said defendant for its deficiency estimatedand computed as follows:

GROSS AMOUNT: $19, 614.60WHOLESALE VALUE: 8, 875.00DEFICIENCY: $10, 739.60

10. That, pursuant to the contract and because of thedefault of the defendant heretofore alleged and in the event ofsaid defendant's failure to redeem pursuant to Section 425.208,Wis. Stats., the plaintiff, Santander, is entitled to the right,title and possession of such vehicle for the purpose of disposingof the same in accordance with the law.

WHEREFORE, the plaintiff demands judgment as follows:

1. Transferring all right, title and possession of thefollowing vehicle to plaintiff for the purpose of disposal and salein a commercially reasonable manner:

VEHICLE DESCRIPTION: 2006 CHEVROLET TRAILBLAZERVEHICLE I.D. NO.: 1CNDS13S362294397

2. For costs, disbursements and attorneys fees asprovided by law.

3


Federal law gives you 30 days after the receipt of this correspondence todispute the validity of the debt or any part of it. If you do notdispute the debt within that period, we will assume that the debt isvalid. If you notify us within 30 days after the receipt of thiscorrespondence that this debt or any portion thereof is disputed, wewill, as required by law, obtain verification and proof of the debt andprovide you with same, including a copy of any existing judgment. Also,if within the same 30 day time period, you request the name and addressof the original creditor, if the original creditor is different from thecurrent creditor, we will furnish you with that information as well.

This advice pertains to your dealings with our law firm as a debtcollector. IT DOES NOT AFFECT YOUR DEALINGS WITH THE COURT, AND INPARTICULAR IT DOES NOT CHANGE THE TIME AT WHICH YOU MUST APPEAR IN COURT.The summons is a command from the court, not from our law firm, and youmust follow its instructions even if you dispute the validity or amountof the debt. The advice in this pleading also does not affect our lawfirm's relationship with the court. As a law firm, we may file papers inthe lawsuit according to the court's rules and the judge's instructions.

WE ARE DEBT COLLECTORS AND THIS IS AN ATTEMPT TO COLLECT A DEBT.ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

GALANIS, POLLACK, JACOBS & JOHNSON, S.C.

By: jeAtrnif I4,5„..,JEROME C. JOH iONState Bar No. 1016307

P.O. ADDRESSAttorneys for Plaintiff

839 N, Jefferson St.Suite 200Milwaukee, WI 53202(414) 271-5400

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Santander Consumer USAPO Box 961246

Fort Worth, TX 70161-1245(888) 222-4227

Notice of Right to Cure

Date: 01/11/2012

ERIK ANDERSON4500 8 124Th ST. APT 6MILWAUKEE,W.53228

Ro: Account No. 30000163340920001Retail Installment Sale or Credit Sale Contract dated 10/1212010Hi/CHEVROLET TRAILBLAZER 1/ VIN- 1 0NDS133362294397

Dear ERIK ANDERSON,

Our records show that you ars in default on the above-referenced Agreement In the amount described belowunder the AMOUNT NOW DUE, which is secured by the Vehicle. The reasons you are in default are:

Nonpayment of amounts due

(Other default)You may cure the default on or before the LAST DAY FOR PAYMENT (see below) by paying the AMOUNTNOW DUE (seo below). 01/28/2012 is the LAST DAY FOR PAYMENT,

The AMOUNT NOW DUE includes:

06/13/2011 Late payment due $198.2507/13/2011 Late payment due $499.7508/13/2011 Late payment due $499.7509/13/2011 Late payment due $499.7510/1312011 Late payment due $499.7511/1312012 Late payment due $499.7512/13/2012 Late payment due $499.75

Delinquency charges $110, 00Deferral charuesOther charges $moo

$3306, 75 Is the AMOUNT NOW DUE2010 .S'ANTANDER CONSUMER USA No./1 PC Bort 964245 FORT WORTH, TX 76161-1245 Page 1 of 2

1:1R520

EXHIBIT


If you pay the AMOUNT NOW DUE (see above) and cure the other default (see above) by the LAST DAYFOR PAYMENT (see above), you may continue under the Agreement as though you were not late. If you donot pay by that date, we may exercise our rights under the law. These rights Include the rignt to repossessthe Vehicle and the right, in many instances, to hold you personally responsible for any difference betweenthe amount the Vehicle brings in a sale and the balance due us under the Agreement.If you have any questions regarding tfus notice, promptly call us at 888-222-4227 or write us al the addressshown above.

Notice of Repossession of Motor Vehicle

This notice of repossession applies only if the coliateral, or good subject to !ease, is d motor veleule, whichincludes your Vehicle (see above).

If you do not cure the default on or before LAST DAY FOR PAYMENT (see above), we may have the right totake possession of the motor vehicle that secures (he credit transaction, or is subject to the lease, withoutfurther notice or court proceeding.If you believe you are not In default, or you object to us taking possession of your Vehicle, you may notify usin writing, no later than 15 days from the date of this notice, and demand that we proceed In court. If weproceed In court, you may be required to pay court costs and attorneys' fees,

Sincerely.We may report information about your Account to credit bureaus.Late payments, missed payments, or other defaiilte on yourSantander Consumer USA Account may be reflected In your credit report,

NOTICEhThis Is en attempt to colloQf a oebt and any information ootained will be used for that purpose. This is a communication from adebt coilector,

NOTICE; If you are entitled to the protections of the United States Sankruptcy Code (11 U.S.C. 362: 524) regarding the subjec,:t matterof this letter, the following applies to you: THIS COMMUNICATION IS NOT AN ATTEMPT TO COLLECT, ASSESS, OR RECOVER ACLAIM IN VIOLATION OF ME BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY,

0 2010 SANTANDER CONSUMER USA INC, If PO Box /61245// Foan WORTH, IX 76161-1245 Page 2 of 2LTR520


EXHIBITSantander

cCONSUMER

P.O. BOX 961245Fort Worth, TX 76161.1245

Account Number: 6334092 Primary Name: ERIK ANDERSON

(77;:ood Th r o ugh 1 Total Payoff Principal Intere, I Late Fees Misc. FeesMar 03, 2012 $19, 614, 60 $17,299, 25 $2,205.35 $110, 00 $0.00

EiTective Date PrincipalAmount Principal Interest Late Fees Misc. FeesBalance

Nov 25, 2011 $10, 03 $0.00 $0, 00 $10.00 $0,00, $17, 299.25Late charge assessment

System Generated Transaction

Oct 24, 2011 1 $10.00 WOO $0.00 510, 001

$0.00 $17, 299.25Late charge assessment


Sep 24, 2011 1 $10.001 $0.001 $0.00 $10, 00f $0, 00 $17, 299, 25Late charge assessment


Aug 24, 2011 1 $10.001 $000 $0, 001 $10, 00 $0.00 $17, 299.25Late charge assessment

System Generated TransactionI. 1Jul 24, 2011 $10.00 $0,00! $0.001 $10.00 $0.001$17, 299.251

Late charge assessmentSystem Generated Transaction

Jul 01, 2011 1 $-200.00 $0, 001 $-200,00 $0.001 $0.00 $17, 299, 251----iSystem allocated payment

Drive Collector ACE

Jul 01, 2011 $-10.951 $0, 00 $0, 00 $0, 00 $-10,9_51$17,299, 25,Miscellaneous fee paymentDrive Collector ACE

Jul 01, 2011 1 $10.95 $0, 001 $0.001 $0.00 $10, 95 $17,29915iMiscellaneous fee asessrnentDrive Collector ACH

Jun 24, 2011 ------7— $10.001 $0.001 $0, 001 $10.001 $0.00 517, 299.25L.ctt.v ia,'!iSVSS1Ikel

System Generated Transaction--r—

n 24, 2011 S-200.001 $0, 00! $-200,00f so.0,1 $0,001$17,299, 25System allocated paymentDrive Collector ACH

Jun 24, 2011 $-10.951 $0.00 $0.001 $0.00 $-10.951$17, 299.25


Miscellaneous fee paymentDrive Collector AC11

Jun 24, 2011 $10, 951 $0.001 $0.001 $0,00 $10.95 $17,299.25Miscellaneous fee asessment

Drive Collector ACHIJun 172011 5-200.001

1 $0.001 $-200.001 50, 001 $0,00417,299, 25'1lSystem allocated payment

Drive Collector ACE (no fee)Jun 11, 2011 I 5-200.001 $0.00 $-200, 00[, $0.00 $0, 00 517,299.25

System allocated paymentDrive Collector ACE

Jun 11, 2011 1 $-10.95[ I$0.00, $0.00 $0, 00 $-10, 951$17,299, 25Miscellaneous fee payment

Drive Collector ACH

Jan 11, 2011 1 510.95] $0, 00 $0.00 $0.00 $10, 95 $17, 299.25Miscellaneous fee asessrnent

Drive Collector AC1-1Jun 03, 2011 $-200.00T $0.00 $-200.00, $0, 00 $0.00 $17,299.25

System allocated paymentDrive Collector ACH

Jun 03, 2011 I $-10, 95. $0, 00 $0.00r

$0.00 5 10.95 517,299.251Miscellaneous fee paymentDrive Collector ACH

Jun 03, 2011 $10.951 $0.001 $0.001 $0.00 $10.951$17,299, 25Miscellaneous fee asessmentDrive Collector ACH I

May 28, 2011 5-200, 00 50.00 $-2001-6.(-1) $0, 00 00.0T4$17,299.25System allocated paymentDrive Collector ACH

May 28, 2011in $710795 $0.00t $0.00 $0, 001 $-10.95 17,299, 25

Miscellaneous fee paymentDrive Collector ACH

May 28, 2011 1 510, 95 $0.00 $0.001 $0,001 $10.951$17, 299, 2

1 Miscellaneous fee asessrnent5

Drive Collector ACH

May 24, 2011


$10'0°

Apr 24, 20H 1----1 i o. oo

$0.00 $0.001 $10, 00 $0.00 $17, 299.25

$0.00F $0.001 $10.001 $0,00 $17, 299.25,Late charge assessment

System Generated TransactionMar 25, 2011 5-200,00i,---07-w1 $-200.001 $0.001 $0.001$17,299, 25 i

L, ..1.11 iw^-, tav.:A.-/

Drive Collector ACH (no fee)


!Mar 18, 2011 I $-200.00J $0.001 $-200.00! 80.001 $0, 00($17299.25System allocated payment

Drive Collector ACH

1Mar 18, 2011 1 $-10, 95 WW1 $0.001 $0.00 $-10,95 $17,299.251 Miscellaneous fee payment

Drive Collector ACHIMar 18, 2011 1 $10, 95 $0.001 $0, 00 $0.001 $10, 95 $17,299.25

Miscellaneous fee asessmentDrive Collector ACH

Mar 11, 2011 i $200-.001 $0.00 $-200.00 $0.00 $0.00 $17,299, 25L__


Mar 11, 2011 8-F),-9-51- $0.001 $0.00 $0.00 $-10, 95 $17,299, 25Miscellaneous fee payment

Drive Collector ACH

Mar 11, 2011 -----7- $1095! $0.00 $--0-.0(-31--- $0, 00 $10.95 $17299.25i_

Miscellaneous fee asessmentDrive Collector ACH

1VIar 04, 2011 1 $-200, 001 780.001 $-200.00 $0.00 $0.00 $17, 299.25


Mar 04, 2011 $-10.95} .1$0, 001 $0.00 $0.00 $-10.95 $17, 299.25Miscellaneous fee payment

Drive Collector ACH

Mar 04, 2011 $10, 95 $0.00i $0.00 $0, 00 $10, 95 $17,299.25.i

Iivuscei ianeous Ice asessmentDrive Collector ACtI

iFeb 25, 2011 $-200.001 $0.00 8-200.00i $0.0(7— $0.001$17,299.25System allocated payment

Drive Collector Visa

'Feb 25, 2011 $-1079-5-1— $0, 00 $0, 001 $0.001 $40.95 $17, 299.25Miscellaneous fee paymentDrive Collector Visa

Feb 25, 2011 10, 95 80.00 $0, 001 S0, 00 $10.95 $17,299, 25Miscellaneous fee asessmentDrive Collector Vim

Feb 18, 2011 I S-200.0(-1- $0.00 $-200.00 $0.007 $0 001$17 299 25oy,7sLutl 1 alitiUULC.X1 paymnu


Feb 18, 2011 8-10.95 $0.001. $0.00 $0.00 $-10.95 $17, 299.25Miscellaneous fee paymentDrive Collector Visa

Feb 18, 2011 1 $10.95 $0.00!I 80.00 $0.00 $10, 95_1817,299.25

Miscellaneous fee asessment



Feb 11, 2011 $-200.00! $0.00 $-200,00, $0, 001 $0.00 $17, 299.25System allocated payment


Feb 11, 2011 $-10.95 $0001 $0, 00 $0.001 $-10.95j$17,299.25Miscellaneous fee payment

1 Drive Collector Visa

Feb 11, 2011 ---1--- $10.95 I$0.001 $0.001 __J$0.00' $10, 95 $17,299, 25Miscellaneous fee asessrnent


I..Feb 04, 2011 I 8-200.001 $0.001 8-200.00 $0, 00 $0.001$17,299, 25System allocated payment


Feb 04, 2011 1 $-10.95! $0, 00 $0.00 $0.00 $-10.951$17,299, 25


Feb 04, 2011 $1005 ---$-6-.-0-0--r $0, 00--"T

$0 .00 $10, 95 $17, 299.25Miscellaneous fee asessment

Drive Collector Visai-Jan 28, 2011 $-250, 001 $0.00 $-250, 00 $0.001— $0.00 $17, 299.25

-1System allocated paymentDrive Collector Visa

Ian 28, 2011 1 S-10.95, $0.001 $0, 001 80.00 $-10, 95 l 7, 299.25Miscellaneous fee payment


Jan 28, 2011 L $10.95] $0.00 $0.00- ---$0.001 $10.951$17, 299.25Miscellaneous fee asessmentDrive Collector Visa

iJan 26, 2011 $10.001 $0.001 $0.00 $10.001 $0.001$17,299, 25Late charge assessment

System Generated TransactionJan 21, 2011 $-250.00 $0, 00 $-250, 00! $0.00 $0.001$17, 299.25_1_—

3y6t,e111 allocateo paymentDrive Collector Finless Debit

:Ian 21, 2011 $-10, 94 $0.04 $0.00— $0, 00 S-10.9.51$17,299.25Miscellaneous fee paymentDrive Collector Finless Debit

Jan 21, 2011 $10.01 $0.00] $0, 00 WW1 $10.95 j$17,299, 25Miscellaneous fee asessment

Drive Collector Finless Debit

Dec 26, 2010 $10.00 $0.001 $0,0-07 810.001 $0.00, 817,299.25Late charge assessment

System Generated TransactionNov 26, 2010 -----F-- $10.001 $0.00 $0.00, $100] $0,00[$17,29925



Confidentiality Notice: The information contained in this faesimile message is legally privileged and confidential informationintended only for the use of the individual(s) or entity named in this document. If the reader is not the intended recipient, he/she ishereby notified that any dissemination, distribution or copy of this facsimile is strictly prohibited.


Exhibit C


EXHIBIT

-00012


SANTANDER CONSUMER USA, INC.

Plaintiff,Case No. 12-SC-7550

ERIK W. ANDERSON,

1) The replevin action seeking possession of a 2006 Chevrolet Trailblazer withVIN lONDS I3S362294397 shall be dismissed;

2) Defendant shall make a lump sum payment to Plaintiff of $100, 00 by October 1,2012;

3) Defendant shall make an additional payment of $200 each month starting with theOctober 1, 2012 payment to go towards arrears in the amount of $6,945.00 until such arrears are

paid in full;

4) Defendant shall make each monthly payment of $499.75 when due, beginningwith the October 1, 2012 payment;

Th5) Plaintiff will accurately report the status of this credit account to all credit

reporting bureaus; and

6) If Defendant fails to satisfy any of the requirements set forth above the Plaintiff,without notice to the Defendant, shall be entitled to file an Affidavit of Default with the Court,and the Court shall reopen this matter and grant a replevin judgment for possession of saidvehicle plus statutory costs.

September )1)_,2012,r5y:Aaron J. BernseeiinGalanis, PollacV Jacobs & Johnson, S.C.Attorney for PlnintiffSantander Consumer USA, Inc.

Filed 01/03/17 Page 2 of 4 Document 1-3

Defendant:

9STIPULATION AND ORDER DISMISSING AC o N u

0/01.`16'4,07C kb

/to, TO),11 Is hereby stipulated between the above-named parties that: ((yr,

State Bar No. 1041427

September 10, 2012 Bv:

George S. PeekCrivello Carlson, S, C.Attorney for DefendantErik AndersonState Bar No.:1041648


ORDER

Upon the annexed stipulation of the parties; for good cause shown; and the court beingotherwise fully advised in the premises;

NOW, THEREFORE, IT IS ORDERED:That this matter be and hereby is dismissed, without prejudice, and without further costs to

either party, subject to the terms and conditions of the annexed stipulation, and the court furtherhereby approves and incorporates into this Order the annexed stipulation,

Dated this I 544) day of September, 2012,

BY THE COURT

ud, e orci o 1ssiqierr

Deputy Court Clerk

3


Exhibit D


05/07/2013 11:25 FAX 271 5571 Galanls, Pollack et al a0003/0004

STATE OF WISCONSIN CIRCUIT COURT MILWAUEEE COUNTY

SANTANDER CONSUMER USA, INC.,

Plaintiff,

V.

Case No. 12-SC-7550ERIE W. ANDERSON,

Defendant.

AFFIDAVIT OF DEFAULT

STATE OF WISCONSINSS

MILWAUXEE COUNTY

Aaron J. Bernstein, being first duly sworn, on oath deposes andstates that:

1. A Stipulation and Order Dismissing Action was entered inthe above-entitled action on 9/13/12; a copy of which is onfile.

2. Defendant has defaulted on the terms of the Stipulationin that he has failed to as follows pay an additional $200to each monthly payment starting with the July 13, 2012payment until the account is current; and, failed to makeeach monthly payment of $499.75 when due.

3. As provided in the Stipulation and Order DismissingAction, Plaintiff hereby requests the Court reopen thismatter and grant a judgment of replevin for possession ofone (1) 2006 Chevrolet Trailblazer with V1N#1GNDS13S362294397, plus statutory coss in the amount of$297.50. r----

Aaron J. Be steinsolmlialAte Bar NI. 1041422

1AEL8N.,z,p,5, 440o.Subscribed and sworn to befsP'.t. s, 6th da of May, 2013. 7..7 sateix) i gmb-0 EXHIBITvia ir..,,

an. 4 i 47:.tary Public, -ate of WiscsnW8L10.4,e'Yly commission expires://':.0041---rifif/toulttl


Exhibit E



SANTANDER CONSUMER USA, INC.,

Plaintiff,V. Case No. 12-SC-7550

Small Claims 31003

ERIK W. ANDERSON,Defendant(s).

JUDGMENT OF REPLEVIN

The above-entitled matter having come on for hearing and the Court beingfully advised, and on the motion of Galanis, Pollack, Jacobs & Johnson, S.C.,plaintiff's attorneys:

IT IS ORDERED AND ADJUDGED:

1. That plaintiff above-named is entitled to immediate possession of thefollowing described collateral:

VEHICLE DESCRIPTION; 2006 Chevrolet TrailblazerVEHICLE I.D. NO.: 1GNDS138362294397

2. That defendant(s) voluntarily surrender said collateral to plaintiff.3. That plaintiff, plaintiff's agents and employees shall have the rightto repossessidn and recovery of said collateral from defendant(s) without abreach of the peace.

4. That if plaintiff cannot so repossess or recover possession of saidcollateral, it may apply to this Court for seizure by the Sheriff under WisconsinStatutes, Chapter 815.

S. That plaintiff have judgment for possession against the defendant(s)and for the following amounts against the above-named defendant(s),

Filing Fees: 99.00Service Fees 48.50Attorney Fees: 150.00

TOTAL $297.50

IT IS FURTHER ORDERED:

That defendant(s) shall keep and preserve the collateral from damage,refrain from selling, giving, abandoning, or otherwise disposing of saidcollateral.

Dated: March 29, 2012

(7;)--BY THE159, 72,47 702714.:.,

1,61,0-----Circuit Court dudge,Judicial Court Covpissiouer or

Deputy ClerkEXHIBIT

E---1.Case 2:17-cv-00012 Filed 01/03/17 Page 2 of 2 Document 1-5

EXHIBIT F


Clerk/ ture

STATE OF WISCONSIN, CIRCUIT C L''.:,N'T, MILWAUKEE COUNTY •fficial UsePlaintiff: (Name [first, middle, last], Address,, State, Zip)Demandante: (Nombre fprimero, segundo, apellidol: dornicilio, ciudad, estado, cOdigo postal)Santander Consumer, USAc/o Messerli & Kramer PA3033 Campus DriveSuite 250Plymouth, MN 55441

0See attached for additional plaintiffs.I 5-S C 0 0 1 3 8 8 ido

-vs- contra- Ver adjunto para otros demandantesTo: Defendant(s): (Name [first, middle, last), Address, City, State, ZipSummons and Complaint

Small ClaimsPara. Demandado(s): (Nombre Dorimero, segundo, apellido), domicilio, ciudad, estado, ctidigo postal)ERIK ANDERSON Citaciones y DemandasReclamos de menor cuantia4500 S 124th St Apt 6

Case No,MILWAUKEE, WI 53228NOmero de casoiiiSee attached for additional defendants.

I--- .34 I Ver adjunto para otros demandados..7 Claim for money ($10, 000 or less) 310019;7/0MA,,,c: i Reclamo de dinero ($10, 000 o menus)El Return of property (replevin) 31003

If you require reasonable accommodations dt.ie to a disability to participate in the courtprocess, please call at least 10 working days prior to the scheduled court date. Please. DevoludOn de propiedad (ReivindicaciOn de cosasnote that the court does not provide transportation. muebles),Si necesita ajustes razonables debido a una discapacidad pare poder participar en el procedimiento,E]Eviction Desalojo 31004judicial, sirvase Hamar como minirno 10 Was laborales antes de la fecha judicial pro rama U Eviction due to foreclosure 31002favor tome en cuenta que el tribunal no proporciona tr

Desalojo por *cue& de hipotecaAUTHENTICATED

FILEDAND,Ei Arbitration award 31006Sentencia de arbitrajeElReturn of earnest money 31008

sc LAN 2 0 20151 SCkeryolucion de sena

uTort/Personal injury ($5, 000 or less) 31010i

Agravia/Danos Corporales ($5,000 o menus)JOHN BARREIT

This form does not replace the need for an i erpreter "WiltthItfrby law, or the responsibility of court andounsel to ensure that persons with limited hg is proficiency fully comprehend their rights and obligations.Fiste documento no sustituye el uso de un interprete, ni los coloquios judiciales exigidos por la ley. Tarnpoco sustituye la responsabilidad del tribunal yDS abogados de asegurarse de que las personas cuya comprension del idioma ingles sea limitada entiendan por completo sus derechos y obligaciones.

SUMMONS CITACIONTo the Defendant(s): Para el/los demandado/s:2_ :VhOn. rfdApl*iririlliin A004You are being sued as described below. If you wish to dispute this matter: gorliapiir?..vROV:arece`filtireS4iifor LI11§.Le ester) demandando segOn lo indicado abajo. Si desea disputer este asuntor '.2:.::.i,,.:.-.1.8.40,0You must appear at the time and place stated.

Debe comparecer a la hora y en el lugar establecidos. Date TimeFecha FloraAND/OR (Clerk will circle one) 2 i 5 4":412eY/O (El Actuario del juzgado marcare una) (actoAppear 1.'1' le 'a A Sivet.Ej You must file a written answer and provide a copy to the plaintiffor: n ri,

plaintiffs attorney on or before the date and time stated. Lugaripara comparecaripresentar unaDebe presenter una respuesta por escrito y proporcionar una copia al -08Pues•tademandante o al abogado del demandante en la fecha y hora Milwaukee County Courthouseestablecidas o con anterioridad a ellas. 901 North Ninth St Room 400

Milwaukee W1 53233If you do not appear or answer, the plaintiff may win this case and a EXHIBITjudgment entered for what the plaintiff is asking.Si no comparece ni responde, el demandante puede ganar este causa y FaY se puede dictar un fallo a favor de lo que el demandante estesolicitando.

1Date Summons Issued Date Summons Mailed

Firma del Actuario de Juzgado/AbogadoFecha de emision de la citaciOn Fecha en la que se envie la

citacien

r,

SC-500, 0a/11 Summons and Compliant Small Claims

Case2!1/-tvu000-12-4Filed .0-1/03/17—Page.2 jftc5S1atutes

& COMPLAINT DEMANDAPlaintiffs Demand: Demanda del delrandante:The plaintiff states the following claim against the defendant(s):El demandante realize la siguiente demanda contra el/los demandado/s:

1. Plaintiff demands judgment for:(Check as appropriate) El demandante exige on fella por (Marcar to que corresponda)Claim for Money $9, 704.60 Tort/Personal injury

Reclamo de dinero Agravia/Darios Corporales0 Return of Earnest Money 0 Eviction 0 Eviction due to foreclosureDevoluciOn de sena Desalojo Desalojo por ejecuciOn de hipotecaE} Return of property (replevin) (Describe property in 2 below)Devolución de propiedad (Reivindicación de cosas muebles) (Describo los bienes en el punto 2 abajo)(Not to include 1Ms. Stets. 425.205 actions to recover collateral)(Facluyendo las acciones en virtud de las leyes de Wisconsin 425 205 pare (a recuperacion de bienes dados en garantia.)Confirmation, vacation, modification or correction of arbitration award.

Confirmacien, anulaciOn, modificaciOn o correcciOn de sentencia arbitral.Plus interest, costs, attorney fees, if any, and such other relief as the court deems proper.Mes intereses, costos, honorarios legales, de existir, y toda otra asistencia que el tribunal considera adecuada.

2. Brief statement of dates and facts: (If this is an eviction action and you are seeking money damages, you must also state that claim on this form.)Breve declaracien de fechas y hechos (Si as una acción de desalojo y busca el resarcimiento de dinero, debe tambien indicar ese reclamo en esteforrnulario)

See attached for additional information. Provide copy of attachments for court and defendant(s).Ver adjunto para informed& adicional. Proporcione copia de adjunto para el tribunal y el/los demandado/s.

Verification: Under oath, I state that the above complaint is true, except as those matters stated upon information and belief,and as to those matters, I believe them to be true.VerificaciOn: Declaro bajo juramento que la demanda precedente es verdadera, excepto con respecto a aquellos asuntos basados en informaCiOn y creenCia:

y en cuanto a esos asuntos, creo que son verdaderos.

am: fl plaintiff. 2 attorney for the plaintiffSoy: demandante ado del demandante

State of Minnesota Signature of Plainti iLir Attor -yDate Fecha Attomey's State Bar Number

serb9ipcgaiodnosdel abogado enEstado de Minnesota Firma del demandan. Nt6CmeolerodgioenAdieCounty ofHennepin1012382#1045459,#1021194,00'

"adoJAN 0 9 20 11096194,

Condado de Hennepin #1083227, #10939,, 066 7:This instrument was affirmed by affiant in my presence

9on JAN L1 2015 le onePlaintirs/Attorney's TeLaw Firm and AddressPNumber Bufete de abogados y dornicilioSuscrito y jur..,,,. :nte rnt Telefono del MESSERLI & 3033 Campus Drive,

AAll, demandantelabo9adoIf KRAMER PA Ste. 250

yNotary blic/Court Officia 800-795-4205 William C. Hicks PI mouth, MN 55441Noterio POblico, Funcionario del tribunal l3rian A. Chou

James E. KacheiskiGina C. ZiegelbauerName Printed or Typed Patrick D. Newerir"Nombre escrito en letra de molde o a maquina Jillian N. Walk

My commission/term expires: Bradley R ArmstrongMi commission/mandato vence

sas e t9, GINGER A. MURRAYNOTARY PUBLIC MINNESOTA k"4-1 My Commission Expires Jan. 31, 2019 IQ

SC-500, 013/11 Summons and Compliant Sroall Claims

Case-2.:1-7-Gv.00012--Qadi21t03/11Rage,.3nfai,„Cadteritsr6' Statutes

ppgvaar.4, GSGER

FUBLIC r.." 10019140Thil EVOS 3311.

Santander Consumer, ifA, by its attorneys, for its Complaint, sta es and alleges that:1. Plaintiff is qualified to do business in the State of Wisconsin and is actively engaged in the business

of retail financing of motor vehicle purchases.2. On or about October 12, 2010, Defendant(s) entered into a contract, (hereinafter referred to as the

"Contract") secured by a 2006 Chevrolet Trailblazer, a true and correct copy of which is attached hereto as

Exhibit A.

3. Plaintiff was assigned the rights of Seller and first secured party under the Contract.4. Defendant(s) agreed to pay monthly installments of $499.75 commencing on November 15, 2010

and continuing each month thereafter for the duration of the Contract.

5. Defendant(s) is/are in default for failing to make the required payments pursuant to the Contract as

they came due on two or more occasions within a twelve month period.6. Plaintiff sent Defendant a notice of right to cure.

7. Defendant did not cure the default.

8. By reason of the default, Plaintiff exercised its right of acceleration under the Contraad declaredthe outstanding balance due and owing.

9. Plaintiff regained possession of the motor vehicle and, pursuant to applicable law, sogit in a

commercially reasonable manner. CA.)CO10. Plaintiff applied the proceeds of the commercially reasonable sale, which totaled $6;1110.00, to the

Contract balance owed by Defendant(s).11. After applying the sale proceeds to the unpaid Contract balance of $19,792.60, plus allowable

expenses of disposition and late charges of $758.50, there is a principal balance due and owing in the amountof $9,704.60.

12. As a consequence of Defendant(s)' default, and as of the date hereof, Defendant(s) owe(s) Plaintiffthe principal sum of $9, 704.60,

WHEREFORE, Plaintiff demands judgment against Defendant(s) for the principal sum of$9,704.60, and thereafter post judgment interest, and Plaintiffs costs, disbursements, and fees pursuant toWisconsin Statute §814.04.

FILED ANDAUTHENTICATED

SC JAN 2 o 2015 so

JOHN BARRETTClerk of Clrcurt Coo


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STATE OF WISCONSIN, CIRCUIT COURT, MILWAUKEE COUNTY I'or Official Use

Plaintiff/ Santander Consumer, USAAffidavit of NonmilitaryService

Petitioner,

Defendant Erik AndersonRespondent

I, the undersigned, being first duly sworn on oath, say that:

Case No.

I. I am the 10plaintiff/petitioner or plaintiff's/petitioner's attorney in this case.

2, This affidavit is made for the purpose of obtaining a default judgment against the above named defendant/respondent.3. I believe the defendant/respondent is not on active military duty at this time because (choose one):

0 I know the defendant/respondent personally and s/he has never given any indication that s/he is in service with theUnited States military or National Guard.

0 I contacted the defendant/respondent, who informed me on (Date) that s/he is not on active duty at thistime.

0 I see the defendant/respondent regularly and therefore believe sihe is not on active duty at this time,

Ej Other personal knowledge:

0 4. 1 obtained a certificate from the United States Department of Defense website showing that the defendant/respondentis Ej is not on active duty status, This certificate is attached.

5. I have attempted to determine military status but do not have sufficient information. I have no reason to believe s/he ison active duty at this time. Describe efforts made: I obtained a certificate from the United States Department of Defensewebsite showing that the defendant/respondent is not on active duty status.

State of Minnesota

Plaintiff/Petitioner (Do not sign until you are undei oath)County of HennepinName Printed or Typed of Plaintiff/Petitioner

Subscribed and sworn to before me on JAN 09 201540,4

AirrNot, Public/Court Official

Attorne1

Name Printed or Typed Name Printed or Typed o Pla n 'etitioner's Attorney

My commission/tertn expires: JAN 0 9 20

...e -4.-/-.."--/-,./"...e.-/--eze, -....r.., .....c., i Date

'72'.:74i4 GINGER A. MURRAY...i% 1. 4$

Is, ......j ..1.,

4 NOTARY PUBLI- 44:tsC MINNESOTA GINGEt'i 47':„.1 •-•'.9, R A, MURRAY i'..4' My Commission Expires Jan. 31, 2019 1.,,, c, ..t ._J —1, NOTARY PUBLIC MINNESOTA

'...t ;I My Commission Expires Jan. 31, 2019 bl-.....c.........--_, -......-....c..--oor-...--coce-_, ..-...."-....s.i.S

CF-175, Mil Affidavit of Nonmilitary Service 50 USC App Section 521 and §806.19, Wisconsin StatuesThis form shall not be modified. It may be supplemented with additional material.


Exhibit G


STATE OF WISCONSIN

SMALL CLAIMS COURT MILWAUKEE COUNTY BR ANCH 34--------------------------------------------------- -------

SANTANDER CONSUMER USA, TRANSCRIPT OF: SUMMARY JUDGMENT H EARING Plaintiff, (Electronically-Rec orded)

-vs- CASE NO.: 2015S 1388

ERIK ANDERSON,

Defendant.

--------------------------------------------------- -------

JUNE 10, 2015

MILWAUKEE, WISCONS IN MILWAUKEE COURTHOU SE

BEFORE:

THE HONORABLE GLENN YAMAHIRO -- CIRCUIT COURT JUDGE

ATTORNEYS: JAMES KACHELSKI Attorney at Law, appeared o n behalf of the plaintiff.

ATTORNEY PEEK, Attorney at Law, appeared on behalf of the defendant, who appeared in person.

FRANCINE L. O'CLAIRE, RPR

TRANSCRIBER


1 TRANSCRIPT OF PROCEEDINGS

2 (Whereupon proceedings were commenced at

3 9:19 a.m.)

4 THE CLERK: 15SC1388, Santander Consumer USA

5 versus Erik Anderson.

6 Appearances.

7 ATTORNEY KACHELSKI: Attorney Jim Kachelski of

8 Messerli & Kramer for the plaintiff.

9 ATTORNEY PEEK: Good morning, Judge. Attorney

10 George Peek of Crivello, Carlson appears on beha lf of

11 Mr. Anderson.

12 Mr. Anderson intended to be here today. We

13 understood that call was scheduled for 9:45. I' m present

14 ready to argue, and if the Court's inclined to g o ahead

15 and take us, we're ready to go.

16 THE COURT: I don't know why anybody would come

17 down here that didn't have to on a day like this .

18 ATTORNEY KACHELSKI: Is that permission to leave ,

19 Judge?

20 THE COURT: Sure. You may want to in a minute.

21 ATTORNEY KACHELSKI: I don't know.

22 THE COURT: Are we going to have further

23 argument?

24 ATTORNEY KACHELSKI: I thought that's what we

25 were contemplating. Is that not the contemplati on of the

2Case 2:17-cv-00012 Filed 01/03/17 Page 3 of 14 Document 1-7

1 Court?

2 THE COURT: That's fine if you want to do that.

3 ATTORNEY KACHELSKI: Okay.

4 THE COURT: You're the moving party, right?

5 ATTORNEY PEEK: Yeah, very good, Judge.

6 THE COURT: Go ahead.

7 ATTORNEY PEEK: Very briefly. I know Your

8 Honor's had a chance to review the briefing and, as you

9 know, our position is that both the doctrines of claim and

10 issue preclusion apply to this case.

11 I'm not going to belabor why that is for claim

12 preclusion. We know that the only element of th at cause

13 of action or that doctrine that's challenged by the

14 plaintiff is the identity of causes of action.

15 It's anticipated that Santander will argue that

16 the, in quote, right to a cause of action for a deficiency

17 judgment that wasn't accrued yet at the time of either the

18 dismissal of the 11 action or the 12 action by s tipulation

19 and ultimate order.

20 However, we agree that it's there, it 's

21 paragraphs nine and ten in both the 2011 complai nt and the

22 2012 complaint, firmly set the basis for that de ficient

23 judgment going so far as to estimate the amount it will be

24 after the vehicle was sold in a commercially rea sonable

25 manner; and, curiously, plaintiff doesn't even a ddress the


1 issue preclusion doctrine arguments raised by de fendant in

2 this case, which as the Court knows, is a more n arrow

3 doctrine than the claim preclusion doctrine. So even

4 arguendo if you were assuming that plaintiff was correct

5 in its challenge to the identity of causes of ac tion as to

6 the claim preclusion, the issue of the deficienc y judgment

7 was firmly in place for both the 11 and the 12 a ctions and

8 that issue is satisfied -- or that element is sa tisfied in

9 two ways. First the 11 was dismissed outright. Second

10 the 2012 was dismissed by the stipulation of the parties.

11 Plaintiff had every right at every chance to res erve that

12 right to a deficiency in the event there was a d efault

13 that that stip and order in the 2012 action. Th ey chose

14 not to do so. It was a negotiated term of that

15 stipulation and order.

16 And as the Court is aware from our briefing, tha t

17 satisfies what we believe are all three elements of both

18 the doctrines of claim preclusion and issue prec lusion.

19 THE COURT: Mr. Kachelski?

20 ATTORNEY KACHELSKI: In such a simple small

21 claim's matter, there's a lot going on. But I t hink it

22 comes down to this. The thrust of defendant's s ummary

23 judgment motion is that the deficiency complaint , the

24 money judgment aspect of this, is precluded beca use it

25 wasn't included in the -- in the replevin action .


1 So I don't buy all the arguments, but I think

2 it's simpler than that. I think it would be pre cluded

3 under the same circumstances as it would be prec luded in

4 any replevin action if it didn't include the def iciency

5 portion.

6 And in Milwaukee County, standard practice, in

7 fact, many of the court commissioners review it as a

8 requirement, that can't be brought in the same c omplaint.

9 It has a different case code. For instance, it requires a

10 different fil ing fee. And there's an open quest ion

11 whether it can be brought in the same complaint. The fact

12 remains it can be brought in a separate complain t.

13 Not only is that standard practice, but it 's

14 embodied in several statutes, the most directly is

15 425.205(1)(e).

16 I know the Court's read it, but it 's worth

17 repeating. Judgment in an -- in such an action, it 's a

18 replevin -- judgment in replevin, shall determin e only the

19 right to possession of the collateral -- dot, do t, dot --

20 but such judgment shall not bar any subsequent a ction for

21 damages or deficiency to the extent permitted.

22 That tells me that at a minimum can be a separat e

23 action. And, curiously, the Defense repeatedly points to

24 paragraph nine of the replevin complaint, and I don't want

25 to misquote it, so I'm going to pull it out.


1 Paragraph nine says -- dot, dot, dot -- in the

2 event the defendant fails to redeem the collater al

3 plaintiff will have a cause of action against sa id

4 defendant for its deficiency; and then there's a n

5 estimated computation so not only is it contempl ated by

6 the statutory structure, it 's contemplated by th e very

7 complaint that the Defense points to as evidence that it

8 should have been brought in the same complaint.

9 So the issue preclusion and claim preclusion

10 there are other arguments, esoteric arguments, b ut the big

11 picture item is that would only work if it worke d in every

12 replevin, which it clearly does not by statute a nd by the

13 expressed allegations in the replevin complaint.

14 But there is a little more to this, Judge. The

15 stipulation that occurred -- it was before my fi rm had

16 it -- but it was to resolve the replevin action, there was

17 an action replevin of the vehicle. The day befo re the

18 summary judgment hearing, the parties agreed tha t

19 defendant would pay the regular monthly fee, whi ch is

20 roughly $500, plus an additional 200 to go towar ds the

21 arrears.

22 That was how the replevin action was dismissed.

23 And defendant defaulted on that stipulation. Th erefore,

24 by the terms of the stipulation, the replevin ac tion went

25 forward with an affidavit of default or somethin g similar;


1 and the car was further -- or the truck was repo ssessed.

2 Once the repossession takes place, the terms of the

3 stipulation are at an end. And the contract -- the

4 obligations of the defendant under the contract are -- are

5 now in play.

6 That's what the action for money is. It 's --

7 It's the money owed on the contract. That's wha t this

8 current action is by my firm.

9 It's for the deficiency amount. So it almost

10 doesn't matter how we got to this point because they are

11 separate actions. But even if this Court were t o kind of

12 look through and see how we got here, it 's stil l -- the

13 Defense's argument still doesn't hold water. Lo oking just

14 at our action, it 's based on a contract. It 's a consumer

15 buying a vehicle on credit. It's clearly a cons umer

16 credit transaction, and there's an amount that's still

17 owed, even after the vehicle was sold and the pr oceeds

18 were applied to the balance. That's the amount we've sued

19 for. And I'm not trying to be flippant. I don' t know

20 that I quite see the Defense argument against th at.

21 And for all of those reasons, I'd ask the Court

22 to deny the summary judgment.

23 THE COURT: Anything further?

24 ATTORNEY PEEK: Yeah, Judge, just briefly. That

25 drastically mischaracterizes the course of this action. I


1 was involved in the 2012 action, and the negotia tion of

2 that stipulation that resolved all issues in tha t case --

3 and, again, all issues in that case.

4 Those issues included the right to continue to

5 have this contract in force so, Defense, vehemen tly

6 disagrees that default on the stipulation terms puts the

7 contract back in play.

8 There were very specific default rights under th e

9 default of that stipulation. Those are the only terms

10 left in play. So the action on the contract her e is

11 something not to be flippant, but I don't unders tand

12 because those are the only rights in candor rese rved from

13 themselves in the 2012 action.

14 Again, the Court knows that under the case law,

15 the Michelle T. Crozier, 173 Wis.2d 681, the doc trine at

16 issue preclusion is necessarily more narrow than the

17 doctrine of claim preclusion.

18 So I argue on behalf of Defense that all element s

19 of the complaint preclusion documents satisfy. But even

20 if you accept that argument, the issue of defici ency,

21 which is boldly and rightly set forth in paragra phs nine

22 and ten, both complaints -- both the 11 and the 12 show

23 that this issue is an issue that was cotemplated in both

24 actions. It was resolved by the stipulation and order.

25 That identity causes or issue is there. Defenda nt's


1 entitled to judgment as a matter of law.

2 ATTORNEY KACHELSKI: I don't mean to belabor

3 this, but I'd like to respond.

4 THE COURT: Sure you do. Go ahead.

5 ATTORNEY KACHELSKI: The Defense is

6 characterizing the -- the replevin action as dis posing of

7 all issues. It doesn't by its explicit terms.

8 THE COURT: I don't think that's what he said. I

9 think he said is the settlement that was signed --

10 ATTORNEY KACHELSKI: Okay.

11 THE COURT: -- disposed of all issues.

12 ATTORNEY KACHELSKI: And the terms of that

13 settlement don't address it at all because the o nly issue

14 in that case was the replevin action.

15 In fact, the summons and complaint in that

16 specifically said in the event of a replevin the re may

17 still be money owed.

18 That's the paragraph nine.

19 But there if -- if the Defense wants to point to

20 this as a contract, stands alone and sort of sep arate from

21 the statutes, I disagree with that for reasons a lready

22 stated they want to do that, then there's not an y

23 consideration supporting the plaintiff 's benefit of the

24 bargain. Prior to signing that stipulation, the plaintiff

25 had a right to the contractual -- to the money o wed on the


1 contract.

2 The parties settled their differences and allowe d

3 him to pay. You can keep the car if you give us an extra

4 200 bucks a month. He defaulted on that.

5 So if -- If prior to signing that the plaintiff

6 was entitled to the entire contract amount, but the moment

7 it was signed they could only get the car back, there's --

8 there's nothing supporting the plaintiff 's benef it under

9 that bargain. They've lost the contractual righ t merely

10 by signing that even though it was a default lat er and

11 that -- and that means it's not a valid contract at least

12 as far as the plaintiff's obligation.

13 I -- This Court should construe the contract as

14 benefit by both sides, which is why the Court ca n't

15 construe that as the plaintiff giving up the rig ht to

16 $9700.

17 THE COURT: Are we done?

18 ATTORNEY KACHELSKI: I am.

19 ATTORNEY PEEK: Judge, Mr. Kachelski raises a

20 great point. There was consideration -- Unlike the case

21 before this court, there were cross motions for summary

22 judgment that were before Judge Noonan in the 20 12 case.

23 The consideration was resolution of those motion s

24 and all issues in that case. Recall this is als o -- The

25 arguments for issue of claim preclusion in the 1 2 action


1 that were raised by defendant were based on the dismissal

2 outright by the small claims court in the 2011 a ction.

3 So by that same token, I -- there was

4 consideration that flowed. This resolved the is sues and

5 the claims as among both parties. That contract the

6 plaintiff had the right to put whatever it wante d in it.

7 They had the right by counsel to negotiate those terms,

8 which it did. They're back to back. They get n othing

9 more and so here we are.

10 ATTORNEY KACHELSKI: That would have been true i f

11 the stipulation was abided by, but there was a d efault on

12 it. It's not operational. The end.

13 THE COURT: Are you Mr. Anderson?

14 THE DEFENDANT: Yes, Your Honor.

15 THE COURT: Okay. Well, I could be wrong. But

16 my reading of this and the briefs, I am going to apply the

17 issue of issue preclusion. I believe it applies here.

18 I think all that would have needed to have been

19 done in this stipulation was for the plaintiff t o include

20 one sentence indicating that they reserve the ri ght to

21 seek a deficiency upon a default of that agreeme nt and,

22 you know, may have been a more interesting issue had --

23 Now, I don't know -- Mr. Kachelski's made some

24 representations about what the commissioner's be lieve is

25 okay and not okay. I don't know about all that. I have


1 not -- did not hear the statutes cited that said says you

2 cannot prohibiting you from including in your pl eading

3 request for deficiency upon default, and based o n this

4 record, it appears clear that in the 2012 case t he parties

5 were not told that could -- that that was a proh ibit

6 pleading. And I think the fact that it was incl uded in

7 the pleading and then not reserved upon the stip ulation

8 gives rise to the claim for issue preclusion.

9 If plaintiff had not even pled the deficiency in the

10 original pleading, then we might be looking at a different

11 situation here. But I think the fact that they have pled

12 it in paragraphs nine and ten of the 2012 case a nd then

13 settled the matter by stipulation without reserv ing any of

14 those rights, I believe that's a basis to apply issue

15 preclusion. So the Court will do so. This case is

16 ordered dismissed.

17 ATTORNEY KACHELSKI: Judge, I understand the

18 Court's ruling, but I think the Court kind of -- what you

19 just said that we -- that we included in the ple ading, the

20 paragraphs the Court just referenced are specifi c

21 reservation for an additional lawsuit.

22 It's not that we've included. It's that we

23 excluded it. That's why I pointed to paragraph nine. It

24 specifically excluded it.

25 THE COURT: Okay.


1 ATTORNEY PEEK: Thank you, Judge.

2 THE COURT: Good luck.

3 (Whereupon proceedings were concluded at

4 9:34 a.m.)

5 * * * *

6 STATE OF WISCONSIN) ) SS:

7 MILWAUKEE COUNTY )

8

9

10 I, FRANCINE L. O'CLAIRE, an offic ial court

11 reporter in and for the Circuit Court of Milwauk ee County,

12 do hereby certify that I have carefully transcri bed from

13 and compared the foregoing pages with the origin al

14 electronic recording from said proceeding and th at this

15 transcript is true and correct to the best of my ability.

16

17

18 Dated at Milwaukee, Wisconsin, th is 13th

19 day of May, 2016.

20

21

22 _________________________ Francine L. O'Claire, RPR

23 Transcriber 23

24

25


Exhibit H


Page 1 of 1 Generated on 02-18-2016 at 09:49 am

Wisconsin Circuit Court Access (WCCA)Santander Consumer USA vs. Erik Anderson

Milwaukee County Case Number 2015SC001388

Filing Date Case Type CaseStatus

01-20-2015 Small Claims Closed

Class Code Description Responsible Official

Sm Claim, Claim Under $Limit

Small Claims CommissionerCourt

Parties

Party Type Party Name Party Status

Plaintiff Santander Consumer USA

Defendant Anderson, Erik

Party Details

Santander Consumer USA - Plaintiff

Date of Birth Sex Race1

Address Address Updated On

3033 Campus Drive Suite 250, c/o Messerli & Kramer PA, Plymouth, MN 55441 01-30-2015

Party Attorney(s)Attorney Name GAL Entered

Walker, Jillian N No 01-20-2015

Anderson, Erik - Defendant

Date of Birth Sex Race1

Address Address Updated On

4500 S 124th St Apt 6, Milwaukee, WI 53228 01-30-2015

1 The designation listed in the Race field is subjective. It is provided to the court by the agency that filed thecase.

2 Non-Court activities do not require personal court appearances. For questions regarding which court typeactivities require court appearances, please contact the Clerk of Circuit Court in the county where the caseoriginated.


Page 1 of 2

Wisconsin Circuit Court Access (WCCA)Santander Consumer USA vs. Erik Anderson

Milwaukee County Case Number 2015SC001388Court Record Events

Date Event Court Official Court Reporter1 06-10-2015 Dismissed Yamahiro-34, Glenn H

2 06-10-2015 Summary Judgment Hearing Yamahiro-34, Glenn H Digital Recording

Additional Text:

Plaintiff in court by Attorney James Kachelski. Defendant in court by Attorney Peek. Defendantsmotion for summary judgment argued. Court finds issue preclusion applies and orders casedismissed. kmw

3 05-20-2015 Affidavit of mailing

4 05-18-2015 Response/reply

Additional Text:

Erik W Andersons Reply Brief in Support of Motion for Summary Judgment. kmw

5 05-13-2015 Response/reply Yamahiro-34, Glenn H

Additional Text:

Plaintiff's Response to Defendant's Motion for Summary Judgment. Affidavit of Plaintiff'sAttorney.

6 04-20-2015 Notice of motion, motion Yamahiro-34, Glenn H

Additional Text:

Defendant Erik W. Anderson's Notice of Motion and Motion for Summary Judgment. Defendant'sErik W. Anderson's Brief in Support of Motion for Summary Judgment. Affidavit of George S.Peek in Support of Defendant's Motion for Summary Judgment. bjz

7 04-01-2015 Notes

Additional Text:

4/15 removed from calendar and scheduled for plaintiffs summary judgment motion on MAY 20,2015, 9:30am room 400. kmw

8 04-01-2015 Letters/correspondence

Additional Text:

dated 3/31/15 from atty Giegelbauer, filed. kmw

9 02-18-2015 Return date Small Claims Commissioner Court

Additional Text:


Court Record Events for 2015SC001388 in Milwaukee County

Page 2 of 2 Generated on 02-18-2016 at 09:48 am

Plaintiff in court by Attorney. Defendant in court with Attorney. Case is adjourned to 4/15/15 @8:30a.m. for Further proceedings.

10 01-20-2015 Summons and Complaint - Smalls Claims


Exhibit I


11111111111111111111111111111111111111111111111111111111111111111111111111111111

P.O. Box 320006Birmingham, AL 35222-1308

Current Creditor: Santander Consumer USAProduct Group: Santander Prime

Original Creditor: Santander01/15/2016 Agency Identification SAN47979

Account Balance: $9,879.89

88 Date of Notice: 01/15/2016********************AUTO"M IXED AADC 350 Current Creditor Account XXXXXXXXXXXXX1000ERIK ANDERSON T54 P14500 S 124TH ST APT 6MILWAUKEE, WI 53228-2483

1IIIIIII411111111PIImP11111I'd IIIuuiIIIIiii 1111"111111111

Your account has been assigned to Professional Bureau of Collections of Maryland, Inc..

30% SETTLEMENT OFFER

We have been authorized by our client Santander Consumer USA to offer you an opportunity to pay less than theamount due. This settlement as offered shall be in the amount of 30% of the balance.

This settlement offer will expire unless we receive your payment of $2, 963.97 due in our office on or before01/29/2016.

If there are any questions on your account please contact our office at (916) 685-3399 or (800) 866-2528.

Please make your cashiers check or money order payable to PBC, and include the bottom portion of this letter withyour payment.

Our office hours are: Monday Thursday 7:00 am 7:00 pm, Friday 7:00 am 4:00 pm, Saturday 7:00 am 11:00am Pacific Time.

Professional Bureau of Collections of Maryland, Inc. 11050 Olson Drive, Suite 240, Rancho, CA 95670.

This notice is sent by a professional debt collector. This is an attempt to collect a debt and any information obtainedwill be used for that purpose.

Sincerely,Mr. Erik BrechbillDebt Collector

If you would like to make your payment online, go to www.pbccorp.com/modpay.asp

TO REMIT PAYMENT, SEPARATE AND -RETURN BOTTOM PORTION WITH YOUR PAYMENT TO OUR PAYMENT PROCESSING CENTER AT P.0 BOX 4157GREENWOOD VILLAGE, CO 80155.

Have you filed Bankruptcy 0 Yes CI No Current Creditor: Santander Consumer USACase Discharge Date Product Group: Santander PrimePlease Note: If your current address differs from that shown Original Creditor: Santanderabove please indicate any changes below: Agency Identification SAN47979

Account Balance: $9, 879.89Date of Notice: 01/15/2016Current Creditor Account XXXXXXXXXXXXX1000Agency Phone Number: (800) 866-2528

To receive email communications, provide your address below:

ERIK ANDERSONDishonored checks are subject to fee unless prohibited by law or client. 4500 S 124TH ST APT 6Processing fees:3% for credit/debit cards or $5 for electronic checks unless prohibited by law or client. MILWAUKEE, WI 53228-2483

IF PAYING BY VISA OR MASTERCARD, FILL OUT BELOWNAME AS IT APPEARS ON CREDIT CARD

BILLING ADDRESS

Professional Bureau of Collections of Maryland, Inc.PO Box 4157

Li VISA Ci MASTERCARD I Greenwood Village, CO 80155CARD NUMBER EXP.DATE AMOUNT

SIGNATURE PHONE it REQUIRED

Case-2. T-666- a 63/17 Page 2 of 2 Document 1-9

Exhibit J


R4.4.44) cj- rti,, h c ;DA

11811.0II N Irip!i,, agementrvir 1 "ces Original Creditor: SANTANDER CONSUMER USA INC.

C ncorporated Acct# 1000

B Professional Collections &Recoveries Management

Current Creditor: SANTANDER CONSUMER USA INC.NCB File# 16246

1.800 828 1110 Balance: $9,879.89 as of 02-29-2016

Date: 02-29-2016

Dear Erik Anderson,Your delinquent account has been referred to this office for collection.

You are directed to address all future correspondence and payments concerning this account to

NCB Management Services, Inc.

Please use the enclosed self-addressed envelope and put your file number in the memo portionof your check to ensure proper credit to your account.

Sincerely,NCB Management Services, inc

800-828-1110

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of thisdebt or any portion thereof, this office will assume this debt is valid. If you notify this office in writingwithin 30 days of receiving this notice that you dispute the validity of this debt or any portion thereof, thisoffice will obtain verification of the debt or obtain a copy of a judgment, if any, and mail you a copy ofsuch judgment or verification. If you request this office in writing within 30 days after receiving thisnotice, this office will provide you with the name and address of the original creditor, if different from thecurrent creditor. This communication is from a debt collector. The purpose of this letter is to collect a debt.

Any information obtained will be used for that purpose.

Please see reverse side for important information.

Hours: Mon-Thur (9AM-9PM) Fri (9AM-6PM) Sat (9AM-I PM) Eastern TimeNCB Management Services, Inc. PO Box 1099 Langhorne, PA 19047

Please mail payment and the bottom portion in the enclosed self-addressed envelope to ensure proper credit.

For Payment and Correspondence: Erik AndersonNCB Management Services Inc. NCB File#: 6246 NCB Management Services, Inc.PO Box 1099 Current Creditor: SANTANDER CONSUMER USA INC.

Langhorne, PA 19047 Original Creditor: SANTANDER CONSUMER USA INC.Acct#: 1000

ADDRESS SERVICE REQUESTED Balance: $9,879.89 as of 02-29-2016

iIlFl Amount Of Payment Enclosed8521 246NCB101

NCB Management Services, Inc.Erik Anderson PO Box 10994500 S 124th St Apt 6 Langhorne, PA 19047Milwaukee, WI 53228-2483


O JS 44 (Rev. 12/07) CIVIL COVER SHEETThe JS 44 civil cover sheet and the information contained herein neither replace nor supplement the filing and service of pleadings or other papers as required by law, except as providedby local rules of court. This form, approved by the Judicial Conference of the United States in September 1974, is required for the use of the Clerk of Court for the purpose of initiatingthe civil docket sheet. (SEE INSTRUCTIONS ON THE REVERSE OF THE FO RM .)

Place an X in the appropriate Box: 9 Green Bay Division 9 Milwaukee Division

I. (a) PLAINTIFFS DEFENDANTS

(b) County of Residence of First Listed Plaintiff County of Residence of First Listed Defendant

(EXCEPT IN U.S. PLAINTIFF CASES) (IN U.S. PLAINTIFF CASES ONLY)

NOTE: IN LAND CO NDEM NATION CASES, USE THE LOCATION OF THE

LAND INVOLVED.

(c) Attorney’s (Firm Name, Address, and Telephone Number) Attorneys (If Known)

II. BASIS OF JURISDICTION (Place an “X” in O ne Box O nly) III. CITIZENSHIP OF PRINCIPAL PARTIES(Place an “X” in One Box for Plaintiff

(For Diversity Cases Only) and One Box for Defendant)

� 1 U .S. Government � 3 Federal Question PTF DEF PTF DEF

Plaintiff (U .S. Government Not a Party) Citizen of This State � 1 � 1 Incorporated or Principal Place � 4 � 4

of Business In This State

� 2 U .S. Government � 4 Diversity Citizen of Another State � 2 � 2 Incorporated and Principal Place � 5 � 5

Defendant(Indicate Citizenship of Parties in Item III)

of Business In Another State

Citizen or Subject of a � 3 � 3 Foreign Nation � 6 � 6

Foreign Country

IV. NATURE OF SUIT (Place an “X” in One Box Only)

CONTRACT TORTS FORFEITURE/PENALTY BANKRUPTCY OTHER STATUTES

� 110 Insurance PERSONAL INJURY PERSONAL INJURY � 610 Agriculture � 422 Appeal 28 USC 158 � 400 State R eapportionment

� 120 M arine � 310 Airplane � 362 Personal Injury - � 620 Other Food & Drug � 423 W ithdrawal � 410 Antitrust

� 130 M iller Act � 315 Airplane Product M ed. M alpractice � 625 Drug Related Seizure 28 USC 157 � 430 Banks and Banking

� 140 Negotiable Instrument Liability � 365 Personal Injury - of Property 21 USC 881 � 450 Commerce

� 150 Recovery of O verpayment � 320 Assault, Libel & Product Liability � 630 Liquor Laws PROPERTY RIGHTS � 460 Deportation

& Enforcement of Judgment Slander � 368 Asbestos Personal � 640 R.R. & Truck � 820 Copyrights � 470 Racketeer Influenced and

� 151 M edicare Act � 330 Federal Employers’ Injury Product � 650 Airline Regs. � 830 Patent Corrupt Organizations

� 152 Recovery of Defaulted Liability Liability � 660 Occupational � 840 Trademark � 480 Consumer Credit

Student Loans � 340 M arine PERSONAL PROPERTY Safety/Health � 490 Cable/Sat TV

(Excl. Veterans) � 345 M arine Product � 370 Other Fraud � 690 Other � 810 Selective Service

� 153 Recovery of Overpayment Liability � 371 Truth in Lending LABOR SOCIAL SECURITY � 850 Securities/Commodities/

of Veteran’s Benefits � 350 M otor Vehicle � 380 Other Personal � 710 Fair Labor Standards � 861 HIA (1395ff) Exchange

� 160 Stockholders’ Suits � 355 M otor Vehicle Property Damage Act � 862 Black Lung (923) � 875 Customer Challenge

� 190 Other Contract Product Liability � 385 Property Damage � 720 Labor/M gmt. Relations � 863 DIW C/DIW W (405(g)) 12 USC 3410

� 195 Contract Product Liability � 360 Other Personal Product Liability � 730 Labor/M gmt.Reporting � 864 SSID Title XVI � 890 Other Statutory Actions

� 196 Franchise Injury & Disclosure Act � 865 RSI (405(g)) � 891 Agricultural Acts

REAL PROPERTY CIVIL RIGHTS PRISONER PETITIONS � 740 Railway Labor Act FEDERAL TAX SUITS � 892 Economic Stabilization Act

� 210 Land Condemnation � 441 Voting � 510 M otions to Vacate � 790 Other Labor Litigation � 870 Taxes (U .S. Plaintiff � 893 Environmental M atters

� 220 Foreclosure � 442 Employment Sentence � 791 Empl. Ret. Inc. or Defendant) � 894 Energy Allocation Act

� 230 Rent Lease & Ejectment � 443 Housing/ Habeas Corpus: Security Act � 871 IRS— Third Party � 895 Freedom of Information

� 240 Torts to Land Accommodations � 530 General 26 USC 7609 Act

� 245 Tort Product Liability � 444 W elfare � 535 Death Penalty IM M IG RA TIO N � 900Appeal of Fee Determination

� 290 All Other Real Property � 445 Amer. w/Disabilities - � 540 M andamus & Other � 462 Naturalization Application Under Equal Access

Employment � 550 Civil Rights � 463 Habeas Corpus - to Justice

� 446 Amer. w/Disabilities - � 555 Prison Condition Alien Detainee � 950 Constitutionality of

Other � 465 Other Immigration State Statutes

� 440 Other C ivil Rights Actions

V. ORIGINTransferred fromanother district(specify)

Appeal to DistrictJudge fromMagistrateJudgment

(Place an “X” in One Box Only)

� 1 OriginalProceeding

� 2 Removed fromState Court

� 3 Remanded fromAppellate Court

� 4 Reinstated orReopened

� 5 � 6 MultidistrictLitigation

� 7

VI. CAUSE OF ACTION

Cite the U.S. Civil Statute under which you are filing (Do not cite jurisdictional statutes unless diversity): Brief description of cause:

VII. REQUESTED IN

COMPLAINT:

� CHECK IF THIS IS A CLASS ACTIONUNDER F.R.C.P. 23

DEMAND $ CHECK YES only if demanded in complaint:

JURY DEMAND: � Yes � No

VIII. RELATED CASE(S)

IF ANY(See instructions):

JUDGE DOCKET NUMBER

DATE SIGNATURE OF ATTORNEY OF RECORD

FOR OFFICE USE ONLY

RECEIPT # AM OUNT APPLYING IFP JUDGE M AG. JUDGE


✔

ERIK W. ANDERSON SANTANDER CONSUMER USA, et al.

Milwaukee

Ademi & O'Reilly, LLP, 3620 E. Layton Ave., Cudahy, WI 53110 (414) 482-8000-Telephone (414) 482-8001-Facsimile

✔

✔

✔

15 U.S.C. 1692 et seq

Violation of Fair Debt Collection Practices Act, the Wisconsin Consumer Act and for injunctive relief

✔

✔

January 3, 2017 s/ John D. Blythin

JS 44 Reverse (Rev. 12/07)

INSTRUCTIONS FOR ATTORNEYS COMPLETING CIVIL COVER SHEET FORM JS 44

Authority For Civil Cover Sheet

The JS 44 civil cover sheet and the information contained herein neither replaces nor supplements the filings and service of pleading or other papers as requiredby law, except as provided by local rules of court. This form, approved by the Judicial Conference of the United States in September 1974, is required for the useof the Clerk of Court for the purpose of initiating the civil docket sheet. Consequently, a civil cover sheet is submitted to the Clerk of Court for each civil complaintfiled. The attorney filing a case should complete the form as follows:

I. (a) Plaintiffs-Defendants. Enter names (last, first, middle initial) of plaintiff and defendant. If the plaintiff or defendant is a government agency, use onlythe full name or standard abbreviations. If the plaintiff or defendant is an official within a government agency, identify first the agency and then the official, givingboth name and title.

(b) County of Residence. For each civil case filed, except U.S. plaintiff cases, enter the name of the county where the first listed plaintiff resides at thetime of filing. In U.S. plaintiff cases, enter the name of the county in which the first listed defendant resides at the time of filing. (NOTE: In land condemnationcases, the county of residence of the “defendant” is the location of the tract of land involved.)

(c) Attorneys. Enter the firm name, address, telephone number, and attorney of record. If there are several attorneys, list them on an attachment, notingin this section “(see attachment)”.

II. Jurisdiction. The basis of jurisdiction is set forth under Rule 8(a), F.R.C.P., which requires that jurisdictions be shown in pleadings. Place an “X” in oneof the boxes. If there is more than one basis of jurisdiction, precedence is given in the order shown below.

United States plaintiff. (1) Jurisdiction based on 28 U.S.C. 1345 and 1348. Suits by agencies and officers of the United States are included here.

United States defendant. (2) When the plaintiff is suing the United States, its officers or agencies, place an “X” in this box.

Federal question. (3) This refers to suits under 28 U.S.C. 1331, where jurisdiction arises under the Constitution of the United States, an amendment to theConstitution, an act of Congress or a treaty of the United States. In cases where the U.S. is a party, the U.S. plaintiff or defendant code takes precedence, and box1 or 2 should be marked.

Diversity of citizenship. (4) This refers to suits under 28 U.S.C. 1332, where parties are citizens of different states. When Box 4 is checked, the citizenship ofthe different parties must be checked. (See Section III below; federal question actions take precedence over diversity cases.)

III. Residence (citizenship) of Principal Parties. This section of the JS 44 is to be completed if diversity of citizenship was indicated above. Mark this sectionfor each principal party.

IV. Nature of Suit. Place an “X” in the appropriate box. If the nature of suit cannot be determined, be sure the cause of action, in Section VI below, issufficient to enable the deputy clerk or the statistical clerks in the Administrative Office to determine the nature of suit. If the cause fits more than one nature ofsuit, select the most definitive.

V. Origin. Place an “X” in one of the seven boxes.

Original Proceedings. (1) Cases which originate in the United States district courts.

Removed from State Court. (2) Proceedings initiated in state courts may be removed to the district courts under Title 28 U.S.C., Section 1441. When the petitionfor removal is granted, check this box.

Remanded from Appellate Court. (3) Check this box for cases remanded to the district court for further action. Use the date of remand as the filing date.

Reinstated or Reopened. (4) Check this box for cases reinstated or reopened in the district court. Use the reopening date as the filing date.

Transferred from Another District. (5) For cases transferred under Title 28 U.S.C. Section 1404(a). Do not use this for within district transfers or multidistrictlitigation transfers.

Multidistrict Litigation. (6) Check this box when a multidistrict case is transferred into the district under authority of Title 28 U.S.C. Section 1407. When thisbox is checked, do not check (5) above.

Appeal to District Judge from Magistrate Judgment. (7) Check this box for an appeal from a magistrate judge’s decision.

VI. Cause of Action. Report the civil statute directly related to the cause of action and give a brief description of the cause. Do not cite jurisdictional statutesunless diversity. Example: U.S. Civil Statute: 47 USC 553

Brief Description: Unauthorized reception of cable service

VII. Requested in Complaint. Class Action. Place an “X” in this box if you are filing a class action under Rule 23, F.R.Cv.P.

Demand. In this space enter the dollar amount (in thousands of dollars) being demanded or indicate other demand such as a preliminary injunction.

Jury Demand. Check the appropriate box to indicate whether or not a jury is being demanded.

VIII. Related Cases. This section of the JS 44 is used to reference related pending cases if any. If there are related pending cases, insert the docket numbersand the corresponding judge names for such cases.

Date and Attorney Signature. Date and sign the civil cover sheet.


AO 440 (Rev. 12/09) Summons in a Civil Action

UNITED STATES DISTRICT COURTfor the

__________ District of __________

)))))))

Plaintiff

v. Civil Action No.

Defendant

SUMMONS IN A CIVIL ACTION

To: (Defendant’s name and address)

A lawsuit has been filed against you.

Within 21 days after service of this summons on you (not counting the day you received it) — or 60 days if youare the United States or a United States agency, or an officer or employee of the United States described in Fed. R. Civ.P. 12 (a)(2) or (3) — you must serve on the plaintiff an answer to the attached complaint or a motion under Rule 12 ofthe Federal Rules of Civil Procedure. The answer or motion must be served on the plaintiff or plaintiff’s attorney,whose name and address are:

If you fail to respond, judgment by default will be entered against you for the relief demanded in the complaint. You also must file your answer or motion with the court.

CLERK OF COURT

Date:Signature of Clerk or Deputy Clerk


Eastern District of Wisconsin

ERIK W. ANDERSON

17-cv-12

SANTANDER CONSUMER USA, et al.

SANTANDER CONSUMER USA 8585 North Stemmons Freeway 1100N, Dallas, TX 75247

John D. Blythin Ademi & O'Reilly, LLP 3620 East Layton Avenue Cudahy, WI 53110 (414) 482-8000-Telephone

AO 440 (Rev. 12/09) Summons in a Civil Action (Page 2)

Civil Action No.

PROOF OF SERVICE

(This section should not be filed with the court unless required by Fed. R. Civ. P. 4 (l))

This summons for (name of individual and title, if any)

was received by me on (date) .

’ I personally served the summons on the individual at (place)

on (date) ; or

’ I left the summons at the individual’s residence or usual place of abode with (name)

, a person of suitable age and discretion who resides there,

on (date) , and mailed a copy to the individual’s last known address; or

’ I served the summons on (name of individual) , who is

designated by law to accept service of process on behalf of (name of organization)

on (date) ; or

’ I returned the summons unexecuted because ; or

’ Other (specify):

.

My fees are $ for travel and $ for services, for a total of $ .

I declare under penalty of perjury that this information is true.

Date:Server’s signature

Printed name and title

Server’s address

Additional information regarding attempted service, etc:


17-cv-12

0.00

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__________ District of __________

)))))))

Plaintiff

v. Civil Action No.

Defendant






CLERK OF COURT




ERIK W. ANDERSON

17-cv-12


PROFESSIONAL BUREAU OF COLLECTIONS OF MARYLAND, INC. 5295 DTC Parkway Greenwood Village, CO 80111



Civil Action No.

PROOF OF SERVICE





on (date) ; or






on (date) ; or



.





Server’s address



17-cv-12

0.00




__________ District of __________

)))))))

Plaintiff

v. Civil Action No.

Defendant






CLERK OF COURT




ERIK W. ANDERSON

17-cv-12


NCB Management Services, Inc. c/o C T CORPORATION SYSTEM 8020 Excelsior Dr. Ste. 200 Madison, WI 53717



Civil Action No.

PROOF OF SERVICE





on (date) ; or






on (date) ; or



.





Server’s address



17-cv-12

0.00


ClassAction.orgThis complaint is part of ClassAction.org's searchable class action lawsuit database and can be found in this post: Santander Consumer USA, Others Knocked with Class Action

https://www.classaction.org/news/santander-consumer-usa-others-knocked-with-class-action

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