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UNITED STATES DISTRICT COURTSOUTHERN DISTRICT OF FLORIDA
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FEDERAL TRADE COM M ISSION,
Plaintiff,
STUDENT DEBT DOCTOR LLC, a Florida
limited liability company,
and
GARY BRENT W HITE, JR., individually andas an officer of Defendant Student Debt Doctor
LLC,
Defendants.
COM PLAINT FOR PERM ANENT INJUNCTION AND OTHER EQUITABLE RELIEF
- 6 19 3 717Case No. - .- -
CIV - D IM ITRO ULEA
Gls W HW IR
N SNOW/ ,u.um,a''kz,k , e ' . > .. . * '** . - % e' .a. . . ....J' .
Plaintiff, the Federal Trade Commission C:FTC''), for its Complaint alleges:
The FTC brings this action under Section of the Federal Trade
Commission Act CtFTC Act''), 1 5 U.S.C. j 53(b), and the Telemarketing and Consumer Fraud
and Abuse Prevention Act (ûk-felemarketing Act''), 1 5 U.S.C. jj 6101-61 08, to obtain
temporary, preliminary, and permanent injunctive relief, rescission or reformation of contracts,
restitutions the refund of monies paid, disgorgement of ill-gotten monies, and other equitable
relief for Defendants' acts or practices in violation of Section 5(a) of the FTC Act, 15 U.S.C.
j 45(a), and the FTC'S Telemarketing Sales Rule C1TSR''), l 6 C.F.R. Pal4 310, in connection
with Defendants' deceptive marketing and sale of student loan debt relief services.
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 1 of 16
JURISDICTION AND VENUE
This Court has subject-luatter jurisdiction pursuant to 28 U.S.C. jj l 331 ,
1 337(a), and 1345, and 1 5 U.S.C. jj 45(a), 53(b), 6l02(c), and 6105(b).
Venue is proper in this district under 28 U.S.C. j 1391 (b)(1), (b)(2), (c)(1),
(c)(2), and (d) and 15 U.S.C. j 53(b).
PLAINTIFF
The FTC is an independent agency of the United States Government created by
statute. 15 U.S.C. jj 41-58. The FTC cnforces Section 5(a) of the FTC Act, 15 U.S.C. j 45(a),
which prohibits unfair or deceptive acts or practices in or affecting commerce. The FTC also
enforces the Telemarketing Act, 1 5 U.S.C. jj 61 01-61 08, pursuant to which the FTC has
promulgated and enforces the TSR, 16 C.F.R. Part 310, which prohibits deceptive and abusive
telemarketing acts or practices in or affecting commerce.
The FTC is authorized t() initiate federal district court proceedings, by its own
attorneys, to enjoin violations of the FTC Act and the TSR, and to secure such equitable relief
as may be appropriate in each case, including rescission or reformation of contracts, restitution,
the refund of monies paid, and the disgorgement of ill-gotten monies. 15 t; .S.C. jj 53(b),
56(a)(2)(A), 6l02(c), and 6105(b).
DEFENDANTS
6.
ûûstudent Debt Doctor,'' is a Florida limited liability company with its principal place of
tb T Suite 507 Fort Lauderdale, Florida 33309. SDD transacts orbusiness at 322 1 NW 1 0 errace, ,
Defendant Student Debt Doctor LLC CdSDD''), also doing business as the
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 2 of 16
has transacted business in this district and throughout the United States. SDD was organized in
2014. At a1l times material to this Complaint, acting alone or in concert with others, SDD has
advertised, marketed, distributed, or sold student loan debt relief services to consumers
throughout the United States.
Defendant Gary Brent White, Jr. (ç$White''), is the president, manager, and owner
of SDD. At al1 times material to this Complaint, acting alone or in concert with others, he has
fonnulated, directed, controlled, had the authority to control, or participated in the acts and
practices of SDD, including the acts and practices set forth in this Complaint. Defendant W hite
resides in this district and, in connection with the matters alleged herein, transacts or has
transacted business in this district and throughout the United States.
COM M ERCE
8. At al1 times material to this Complaint, Defendants have maintained a substantial
course of trade in or affecting commerce, as çicommerce'' is defined in Section 4 of the FTC Act,
l 5 U.S.C. j 44.
DEFENDANTK DECEPTIVE STUDENT LOAN DEBT RELIEF OPERATION
9. Since approximately January 2014, Defendants have operated an unlawful
student loan debt relief entem rise that has preyed on consumers' anxiety in repaying their
student loans. Defendants often have promised falsely to reduce or eliminate consumers'
m onthly paym ents and principal balances by enrolling them in repayment or debt-forgiveness
programs. In many instances, consumers have discovered that Defendants have failed to enroll
them in a program or have othenvise have failed to reduce or eliminate their payments or their
3
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 3 of 16
debt. In some instances, consumers have ended up owing more on their student loans than when
they first signed up for Defendants' services.
l0. In exchange for the promised debt relief, Defendants have required consumers to
pay illegal advance fees, typically $750.
Background on Student-tzoan Forgiveness and Repayment Programs
Student-loan debt is the second largest class of consumer debt in the United
States; more than 42 million Americans collectively owe approximately $1 .3 trillion in such
debt. The student-loan market shows elevated levels of distress relative to other types of
consumer debt.
To address this mounting level of distressed debt, the Department of Education
(<<ED'') and state government agencies administer a limited number of student-loan forgiveness
and discharge program s. M ost consumers, however, are not eligible for these programs because
strict eligibility requirements. For example, one program requires the consumer to
demonstrate a total and permanent disability; another applies only when a school closes while
the consumer is still enrolled. A third program, the Borrower Defense to Repayment (ttBDR''),
may provide a loan discharge if the school, through an act or omission, violated a state law
directly related to the borrower's federal student loan or to the educational services for which
the loan was provided.
Other forgiveness programs require working in certain professions for a period of
years. Teacher Loan Forgiveness applies to teachers who have worked full-time for five years in
a low-income elementary or secondary school or educational service agency. Public Service
4
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 4 of 16
Loan Forgiveness
organizations who make timely monthly payments for a period of ten years while employed in
the public sector.
CTSLF'') applies t() employees of governmental units or non-profit
The federal government also offers loan forgiveness through income-driven
repayment (ûû1DR'') programs that enable borrowers to reduce their monthly payments and have
portions of their loans forgiven. No loans have been forgiven yet under any of the lDR
programs. IDR programs allow eligible borrowers to limit their monthly payments based on a
percentage of their discretionary monthly income. To remain in an lDR program, borrowers
must recertify their income and family size annually. Obtaining forgiveness through IDR
programs requires a minimum of 20 or 25 years of qualifying payments.
15. Because a borrower's incom e is likely to tluctuate
monthly payments under the IDR programs
over the life of the loan,
can vary considerably from year to year. lf a
borrower's income were to increase over the repayment
payment amount could correspondingly increase to the point where those payments would pay
off the loan before any amount could be forgiven at the end of the repayment ten'n.
l 6. Consumers can apply for BDR, PSLF, IDR, and other loan repayment and
forgiveness or discharge programs through ED or their student-loan servicers at no cost; these
programs do not require the assistance of a third-party company or payment of application fees.
ED will grant a forbearance while processing applications fol' an alternative
period, for example, the monthly
repayment plan and in som e cases of hardship. During forbearance, unpaid interest usually is
added to the principal balance.
5
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 5 of 16
Defendants' Deceptive M arketing of Student Loan Debt Relief Services
Defendants have promised to enroll consumers in student-loan-repayment
programs to reduce or eliminate their payments and principal balances. Defendants have made
these claims in online advertising, e-mails, and on telemarketing calls. In some instances,
consumers view Defendants' website or online advertising and call Defendants' telemarketers
for more information. ln other instances, Defendants' telemarketers make outbound calls to
consumers to offer SDD'S services or convince consumers to sign SDD 'S standard contract.
1 9. Since 2014, Defendants have maintained a website
Ilttps://studelatdebtdoctol-.ol'g/ to promote their debt-relief services and to solicit consumers. The
website has included purported client testimonials and numerous statements, made by
Defendants, touting their services, such as;
Regain Your Credit W odhiness
Create r'danageable Paym ents
20. SDD'S website and social-media pages have emphasized Defendants' ability to
provide consumers with student-loan forgiveness. The homepage
I,ttlns://sttldelltdebtdoctol'.ol'g/ has included the following:
6
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 6 of 16
l.'$/h (3 tlsble A re
Q-ucell- l-cal- s are a ma'c e pssue fa'- inc t- r L de.''ts, ' '''/I:zdecfce 4 ic '- rea-e a '- c 'rpfetc sc' all.afl fol -. '- '-'Se lz ''-''- a. '1k'' k/nln
. ..l t k I w .. ë' '
C)J t;(- r Ja'et-t aa'-s F I na 11 ' t h ere are r-yrcroea rns that c an :)''a'>'l:Ie. . - t . - -
qrlN a-e a-.3 I'ede'-a I S.:)l utlc m s Q :)1 -.t1c'-F lhat o a!- help f Ir1 '-1precaior-v' serizpcel's ancf forcl k.e % 'c.al' foan Qtuc s n: 0. c.* * D.-'- -ofy -' <>'In as U'ee n esta b'u'' ' s 'n e d t a a s slst vv ltln t he tr' j l Ic 'n s nl c :)1 p. ''s 1 n
i? 1 w . 11 0 ' n t 1 0 :1. r 1 t'g
d h ï . n # gj s s s - $ t c: , z , j . .-. a r.j . z y; j . . o . ; j. r) e jjj jg s z. -' j : ? tj s a$ . e a I .t'? e 1 e t :) . r ... . è . j j v D . ..
- a I I a n d 1ea s!-. n- :) re a $- c 1 c r' 1 ,',.-. u str ' 'lea .- I 'n a or a. (i i :es .tkw d- . . . u> .-, j we t .6. O i L): :)3 )s: 317 t'j'' J! r; Q .3!-1 i! f a 1 a'k..'Jk
The llttps://sttldelltdebtdoctol-.ol-g/ website also included the following text:
Student Loan Forgiveness
Below this excerpted text, Defendants' website stated ttlwje ... qualify you instantly over the
phone towards the program best suited for your specific situation.''
22. Other portions of the lnttlnsr//studelntdebtdoctol'.ol'c/ website also have included
the following statements or promises'.
* tkour experts ... can consult your personal situation towards loan
forgiveness or substantially lower monthly payments'';
Etour clients may tgylpically receive $0 a month payments with a complete
loan forgiveness at the end of the programs. This is what is typical with
most federal student loans''; and
dsgtjypically . . . our clients are under a So/month payment.''
@
@
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 7 of 16
Defendants' social-media pages on Facebook, YouTube, and lnstagram also
have included statements such as:
* StGet started today and
rograms !'''P ,
escape your student loans with our forgiveness
@ iil-ired of paying student loans? Student Loan Forgiveness program s are
available now'';
tEW e can .. . solve your student loan problem. 100% guaranteedl''; and
idl-hat moment the government pays off your student loans. gA)
*
*
mom ent in time when the impossible becomes possible.''
In many instances, Defendants' telemarketers have falsely prom ised consumers24.
loan forgiveness in 5ve years or less.
25. ln numerous instances, Defendants' telemarketers have promised to enroll
consum ers in modified repayment programs that would eliminate or lower their monthly
paym ents, often with the potential for loan forgiveness after 20 or 25 years of regular payments.
Eligibility for these repaym ent programs generally depends on the consumer's annual income
and family size, as defined and established by federal laws and regulations. Defbndants' claim s
of eligibility often have been based on false definitions of ûtfamily sizer'' inflated family-size
numbers, or inaccurate income claims that, if accurate, would have rendered these consumers
ineligible under the applicable laws and regulations for the benefits SDD prpmised.
26. During their sales pitch, Defendants often have created a sense of urgency,
claiming consumers needed to enroll with SDD quickly before the promised benefits might
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 8 of 16
expire. Defendants' telemarketers have e-mailed consumers a link to an online contract to sign
electronically and often have pressured consumers into signing the contract quickly, typically
while the telemarketer was still waiting on the phone.
27. Defendants have charged fees before Defendants achieved a loan consolidation
or modified repayment program for consumers or before consumers m ade any payments under a
new repayment agreement. Defendants' advance fees are reflected in SDD'S standard written
contract with consumers.
28 .
with, make payments to, or respond to contacts from their loan servicers. Instead, Defendants'
ln many instances, Defendants have instructed consumers not tc. contact, work
representatives have told consumers to communicate only with SDD and to send any paperwork
or bills they received from their loan servicers to Defendants, and that Defendants would handle
these matters for consumers.
Consumers often have not received the benetits Defendants promised. ln
numerous instances, Defendants have failed to obtain a forbearance, lower monthly payments,
enrollment into a modified repayment program, or loan forgiveness within the promised time.
30. ln some instances, Defendants have not contacted consumers' loan servicers or
failed to com plete or subm it their applications.
3 l . ln other instances, Defendants have contacted consumers' loan servicers, but
only to place consum ers' loans into a temporary forbearance, which typically delayed
consumers' discovery that they had not been enrolled into a new repayment program- all while
Defendants continued to collect fees, and consumers' debts continued to accrue interest.
9
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 9 of 16
Defendants also have told consumers that their loans were in forbearance when they were not,
causing consumers to neglect required palrments and to suffer dim inished credit scores.
32. W hen consumers have contacted Defendants to cancel their enrollment,
Defendants have refused or ignored requests for refunds by consumers- or have conditioned
refunds on the consumer's withdrawal of a complaint against SDD filed with the Better Business
Bureau Or a 1aW enforcement agency.
Defendants also have falsely claimed or implied on the SDD website that they
Cçare in compliance with FTC regulations.''
THE FTC ACT
Secticm 5(a) of the FTC Act, 15 U.S.C. j 45(a), prohibits unfair or deceptive acts
or practices in or affecting commerce.
35. M isrepresentations or deceptive omissions of material fact constitute deceptive
acts or practices prohibited by Section 5(a) of the FTC Act.
VIOLATIONS OF THE FTC ACT
COUNT IDeceptive Student Loan Debt Relief Representations
36. In numerous instances in connection with the advertising, marketing, promotion,
offering for sale, or sale of student loan debt relief services, Defendants have represented,
directly or indirectly, expressly or by implication, that consumers who purchase Defendants'
debt-relief services generally will have their monthly payments eliminated or reduced or their
loan balances forgiven in whole or in part, often in five years or less.
10
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 10 of 16
In truth and in fact, in nulnerous instances in which Defendants have made the
representations set forth in Paragraph 36 of this Complaint, such representations were false or
not substantiated at the time Defendants made them.
38. Therefore, Defendants' representations as set forth in Paragraph 36 of this
Complaint are false or misleading and constitute deceptive actsor practices in violation of
Section 5(a) of the FTC Act, 1 5 U.S.C. j 45(a).
THE TELEM ARKETING SALES RULE
39. Congress directed the FTC to prescribe rules prohibiting abusive and deceptive
telemarketing acts or practices pursuant to the Telemarketing Act, 1 5 U.S.C. jj 6 101-6 108, in
1994. The FTC adopted the original TSR in 1995, extensively amended it in 2003, and am ended
certain provisions thereafter. l 6 C.F.R. Part 310.
40. Defendants are ûûsellergsl'' or iktelemarketerlsl'' engaged in tttelemarketing'' as
defined by the TSR, 16 C.F.R. j 3l0.2(dd), (f9, and (gg). A :fseller'' means any person who, in
connection with a telemarketing transaction, provides, offers to provide, or arranges for others to
provide goods or services to a customer in exchange for consideration. 16 C.F.R. j 3l0.2(dd). A
idtelemarketer'' means any person who, in connection with telemarketing, initiates or receives
telephone calls to or from a customer or donor. 16 C.F.R. j 310.2(f9. ûû-felemarketing'' means a
plan, program, or campaign that is conducted to induce the purchase of goods or services or a
charitable contribution, by use of one or m ore telephones and which involves more than one
interstate telephone call. 16 C.F.R. j 310.2(gg).
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 11 of 16
41 . Defendants are sellers or telemarketers of ttdebt relief services'' as defined by the
TSR, 1 6 C.F.R. j 310.2(0). Under the TSR, a tkdebt relief selwice'' means any program or service
represented, directly or by implication, to renegotiate, settle, or in any way alter the terms of
payment or other terms of the debt between a person and one or more unsecured creditors,
including, but not limited to, a reduction in the balance, interest rate, or fees owed by a person to
an unsecured creditor or debt collector. 16 C.F.R. j 310.2(0).
The TSR prohibits sellers and telemarketers from requesting or receiving
payment of any fees or consideration for any debt relief service until and unless:
a. The seller or telemarketer has renegotiated, settled, reduced, or otherwise altered
the terms of at least one debt pursuant to settlement agreement,
debt-managem ent plan, or other such valid contractual agreement executed by the
custom er;
b. The customer has made at least one payment pursuant to that settlement
agreement, debt-management plan, or other valid contractual agreement between
the customer and the creditor; and
to the extent that debts enrolled in a service are renegotiated, settled, reduced, or
otherwise altered individually, the fee or consideration either:
i. Bears the same proportional relationship to the total fee for renegotiating,
settling, reducing, or altering the term s of the entire debt balance as the
individual debt amount bears to the entire debt amount. The individual
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 12 of 16
debt amount and the entire debt amount are those owed at the time the
debt was enrolled in the service; or
ii. ls a percentage of the amount saved as a result of the renegotiation,
settlement, reduction, or alteration. The percentage charged cannot change
from one individual debt to another. The amount saved is the difference
between the amount owed at the time the debt was enrolled in the service
and the amount actually paid to satisfy the debt. l 6 C.F.R. j 310.4(a)(5)(i).
43. The TSR also prohibits sellers and telemarketers from misrepresenting, directly or
by implication, any material aspect of any debt-relief service, including, but not limited to, the
amount of money or the percentage of the debt amount that a customer may save by using the
service. 16 C.F.R. j 310.3(a)(2)(x).
Pursuant to Section 3(c) of the Telemarketing Act, 1 5 U.S.C. j 61 02(c), and
Section l8(d)(3) of the FTC Act, 15 U.S.C. j 57a(d)(3), a violation of the TSR constitutes an
unfair or deceptive act or practice in or affecting commerce, in violation of Section 5(a) of the
FTC Act, 15 U.S.C. j 45(a).
VIOLATIONS OF THE TELEM ARKETING SALES RULE
COUNT 11Advance Fee for Debt-Relief Services
45. ln numerous instances in connection with the telemarketing of student loan debt
relief services, Defendants have requested or received payment of a fee or consideration for
debt-relief services before'.
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 13 of 16
a. Defendants have renegotiated, settled, reduced, or otherwise altered the terms of
at least one debt pursuant to a settlement agreem ent, debt-management plan, or
other such valid contractual agreement executed by the customer; and
b. The custom er has m ade at least one payment pursuant to that settlement
agreement, debt management plan, or other valid contractual agreem ent between
the customer and the creditor.
Defendants' acts or practices, as described in Paragraph 45 of this Complaint, are
abusive telemarketing acts or practices that violate the TSR, l 6 C.F.R. j 310.4(a)(5)(i).
COUNT ll1M aterial Debt Relief M isrepresentations
ln numerous instances in connection with the telemarketing of student loan debt
relief services, Defendants have represented, directly or indirectly, expressly or by implication,
that consumers who purchase Defendants' debt-relief services generally will have their monthly
paym ents eliminated or reduced or their Ioan balances forgiven in whole or in part, often in five
years or less.
48. Defendants'acts and practices, as described in Paragraph 47 of this Complaint,
are deceptive telemarketing acts or practices that violate the TSR, 1 6 C.F.R. j 310.3(a)(2)(x).
CONSUM ER INJURY
49. Consumers have suffered and will continue to suffer substantial injury as a result
of Defendants' violations of the FTC Act and the TSR. In addition, Defendants have been
unjustly enriched as a result of their unlawful acts or practices. Absent injunctive relief by this
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 14 of 16
Court, Defendants are likely to continue to injure consumers, reap unjust enrichment, and harm
the public interest.
THIS COURT'S POW ER TO GM NT RELIEF
50. Section 13(b) of the FTC Act, 1 5 U.S.C. j 53(b), empowers this Court to grant
injunctive and ancillary equitable relief as the Court may deem appropriate to halt and redress
violations of any provision of 1aw enforced by the FTC. The Court, in the exercise of its
equitable jurisdiction, may award ancillary relief, including rescission or reformation of
contracts, restitution, the refund of monies paid, and the disgorgement of ill-gotten monies to
prevent and remedy any violation of any provision of law enforced by the FTC.
Section 6(b) of the Telemarketing Act, 15 U.S.C. j 6105(b), authorizes this
Court to grant such relief as the Court finds necessary to redress injury to consumers resulting
from Defendants' violations of the FTC Act and Telemarketing Act, including the rescission or
reformation of contracts and the refund of m oney.
PRAYER FOR RELIEF
Wherefore, Plaintiff FTC, pursuant to Section 13(b) of the FTC Act, 1 5 U.S.C. j 53(b),
and Section 6(b) of the Telemarketing Act,15 U.S.C. j 6l05(b), and the Court's own equitable
powers, requests that the Court:
A. Award Plaintiff such preliminary injunctive and ancillary relief as may be
necessary to avert the likelihood of consumer injuly during the pendency of this action and to
presel've the possibility of effective final relief, including but not limited to, temporary and
preliminary injunctions, an order freezing assets, immediate access, and the appointment of a
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 15 of 16
receiver-,
B. Enter a permanent injunction to prevent future violations of the FTC Act and the
TSR by Defendants;
C. Award such relief as the Court finds necessal'y to redress injury to consumers
resulting from Defendants' violations of the FTC Act and the TSR, including but not limited to,
rescission or reformation of contracts, restitution, the refund of monies paid, and the
disgorgem ent of ill-gotten monies; and
D.
additional relief as the Court may determine to be just and proper.
Award Plaintiff the costs of bringing this action, as well as such other and
Respectfully submitted,
Dated:october Z , zol,
D VI . SH ,
cti era Counsel
HANS CLA SENSpecial Bar No. 05502378
R. M ichael W allerSpecial Bar No. A5501647
Federal Trade CommissionSoutheast Region225 Peachtree Street, N.E., Suite 1500Atlanta, GA 30303
Teleghone: (404) 656-1361Facslmile: (404) 656-1379E-mail: [email protected]; rwallerVftc.zov
Attorneys for PlaintiffFEDERAL TRADE COM M ISSION
16
Case 0:17-cv-61937-WPD Document 1 Entered on FLSD Docket 10/02/2017 Page 16 of 16
ealqwzls 44 (Rev 2/08) C IV IL (Y OVE R S HE E T -The JS 44 civil cover sheet and the infonnation contained herein neither replace Icor supplement the Gling and senzic lea gs or otherpapers s req red , e cept as providedby local rules of court. This fonn, approved by the Judicial Conference of the Ullited States in September 1 974, is required for the use oftke C1 r f Court forthe purpose of initiatingthe civil docket sheet. (sEE INSTRUCTIONS ON THE REVERSE OF THE FORM .) NOTICE: Attorneys M UST lndicate All Re-filed Cases Below.
1. (a) PLAINTIFFS DEFENDANTS
Federal Trade Commission Student Debt Doctor LLC; Gary Brent W hite, Jr.
(b) County of Residence of First Listed Plaintiff County of Residence of F' t t efen 'r ''A(EXCEPT IN U .S. PLAINTIFF CASES) Al I .. ' )
(c) Attorney's (Firm Name, Address, and Telephone Number) IN LAND CONDEMNATION çi.l.j.ç JJJE THE CATION OF THE TRACT/'1 ZZ*G'UGSG- 'S2h:JZC +G' . . = m .>l-xxo IxvouvEo. ,J
'stian Clausen, Federal Trade Commission, 225 Peachtree ?'; Fll . - 77 . tHans Chn
. ; ' ' ' '' s
Street , Sulte 1500, Atlanta, GA 30303, 404-656-136 1 (office) Attorneys (lf Known) j ,,); .202-250-0763 (cell) . ylssy j a ../ u k, , ) gjj. .. / ,
(d) Check County Where Action Arose: a M 1AM 1- DADE S7 M ONROE I3ROWARD D PALM BEACH D MARTIN D ST. LU IE J)N'%WA:5)Flj'jV aN .ZKEEC '' BEE- . I.. ,J r. y t .t u. t . . . j
'
. ( .. j rv .. '' . '. . ) $ . L, A T D SE 7 ) . p $, s %
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II. BA SIS O F JURISDIC TlO N (Place an ''x .' in one Box only) 111. CITIZEN SH IP O F PRIN CIPAL t .Azc.. .J.5, s(q'.1w;j'j!n.:'.y,'', 'i.rjoa . é Box or plaintiff- . . . . àd-tyyj tg jr (j t)(For Diverslly (
. ases Only) a e o an
X5 1 U .S. CJ overnm ent D Federal Q uestion P T F P T F D E FPlaintiff (U .S. Government Not a Party) C itizen of This State l Incorporated ol. Prlncipal Place ID 4 :D 4
of B usiness In This State
U .S. G overnm ent C ilizen of Another Slate N Incorporated and Principal PlaceDefendant o f' Buslness In Another State
(lndicate Citizenship o f Parties in Item I1I l
C itizen or Subject of a Foreign N ation :D 6Fo rei n C ountr
1V. NATURE OF SUIT Place an ''x', in one Box onlCONTRACT TORTS FORFEITURE/PENALTY BANKRUPTCY OTHER STATUTES
D l l 0 lnsurance PERSONAL INJURY PERSONA L INJURY 3 6 l 0 Agricullure 17 422 Appeal 28 USC l 58 :D 400 State Reapportionmenl
C1 l 20 M arine ::1 3 1 0 Airplane D 3 62 Personal llliury - D 620 Other Food & Drug D 42 3 W ithdraw al r; 4 l 0 Antitrust3 l 30 M iller A ct C1 3 1 5 Airplane Product M ed. M alpractic e D 62 5 Drug R elated Seizure 2 8 U SC 1 5 7 C1 43 0 B ank s and B ank ing
D 1 40 Negotiable Instrument Liability D 365 Personal Injury - of Property 2 1 USC 88 l CD 450 Commercet7 l 5 0 Recovery o t' Overpayment N 320 Assault, Libel & Product Liability (D 630 Liquor Laws PRO PE RTY R IGH T S D 460 D eportation
& Enforcement of Judgment Slander D 368 Asbestos Personal :1 640 R.R. Jr Truck Cl 820 Copyrfghts C1 470 Rackeleer lnfluenced and(D l 5 l Medicare Act C1 330 Federal Employers' lnjury Product D 650 Airline Regs. D 830 Patent Corrupt Organizations(:71 l 5 2 R ecovery of Defaulted Liability Liability :1 660 O ccupational 3 840 Trademark D 480 C onsumer Credit
Student Loans (D 340 Marine PERSONAL PRO PERTY Safety/Hea1th D 490 Cable/sat TV
(Exc1. Veterans) C1 345 M arine Product 3 370 Other Fraud C1 690 Other C1 8 1 0 Selective Service:1 1 53 Recovery of Overpayment Liability D 37 l Truth in Lending LABOR SOCIAL SECURII-Y D 850 securities/commodities/
o 1- V eteran' s B enefits ED 3 50 M otor V ehicle D 380 Other Personal D 7 1 0 Fair Labor Standards :D 86 l H IA ( l 395f8 Excbange:1 I 60 Stockholders' Suits 3 355 M otor Vehicle Property Damage Act ED 862 Black Lung (9261) (D 875 Customer Challenge(:1 l 90 Other Contract Product Liability 385 Property D amage :) 720 Labor/Mgmt. Relations C1 863 DIW C/DIW W (405(g)) 1 2 USC 34 10LD l 95 Contract Product Liability ::1 360 Other Personal Product Liability C1 730 Labor/M gmt.Reporting :D 864 SSID Title XVI K 890 Other Statutory Actions
a 1 96 Franchise lnjury & Disclosure Act D 865 R Sl (405(g)) O 89 1 Agricultural ActsREA L P R OPE RT Y' C IVIL RIG HTS PR ISO NER PE T IFIO NS 3 740 Railway Labor Act FEDE RAL TA X SUITS ID 892 Fconomfc S tabilization Act
n 2 l 0 Land C ondemnation D 44 l Voting C1 5 1 0 Molions to Vacate :D 790 Other Labor Litigation (D 870 Taxes (U.S. Plalntiff LD 893 Environmental M attersCI 220 Foreclosure D 442 Employment Sentence (D 79 l Empl. Ret. Inc. Securit or Defendant) 3 894 Energy Allocation ActC1 230 Rent Lease & Ejectment ::1 443 Housing/ Habcas Corpus: Act D 87 l IRS- Third Par.y C1 895 Freedom of Information ActD 240 Torts to Land Accommodations D 53 0 G eneral 26 U SC 7609:) 245 Tort Product Liability N 444 W elfare D 535 Death Penalty T :1 900 Appeal of Fee Determination
445 Amer. w/Disabilitïes - 462 Naturalization Under Equal Access te Justicea 290 All Other Real Property t::l C1 540 M andamus & Other DEmployment Application
446 Amer. w/Disabilities - 463 Habeas C orpus-Alien:) D 5 5 0 Civil Righls C1Other Detainee465 Other lmmigration 950 C onstitutionality o f Slate(D 440 Other Civil Rights D 555 Prison Cordtlition 3 C1Actions Statutes
V. O RIGI'N (place an ''x'' in one sex only) f. kj som JAPPeaI to DistrictTrans err! udgj from
7 1 Original D 2 Removed from (D 3 Re-filed- (D 4 Reinstated or D 5 other dlstrict D 6 hXltidistrict Dan MaglstrateProeeeding State Court (see VI below) Reopened jhj Litlgation(spec Judmnent
a) Re-tiled Case O YES ' NO b) Related Cases 57 YES 7NOVI. RELATED/RE-FILED jnst
ructions(SeeCASEIS). second page): Juocs oocu 'r NIJMBER
Cite the U.S. Civil Statute under which ).'ou are tiling and Write a Brief Statement of Cause (Do not llite jurisdictional statutes unless
diversity):
V1l. CAUSE OF ACTION 15 U.S.C.j45(a) & 53(b); 15 U.S.C.jj6l0l-6l0s, Deceptive marketing and sale of student-debt-relief selwices
LENGTH OF TRIIAL via days estimated (for both sides to try entire case)VII1. REQUESTED IN D CHECK IF THIS IS A CLASS ACR'ION DEMAND $ CHECK XES only if demanded in complaint:
COM PLAINT: UNDER F.R.C.P. 23 JURY DEMAND: O Yes V No
ABOVE INFORMATION JS TRUE & CORRECT TO slcxaz c () oRxE RrcoRn DATr
THE BEST OF MY KNOWLEDGE October 2, 2017
FOR OFFICE USE ONLY
AMOUNT RECE !PT # IFP
Case 0:17-cv-61937-WPD Document 1-1 Entered on FLSD Docket 10/02/2017 Page 1 of 1