Case 2:14-cv-00903-WBS-CMK Document 1 Filed 04/11/14 Page 1 of 8

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
Todd M. Friedman (216752)
Law Offices of Todd M. Friedman, P.C.
324 S. Beverly Dr. #725
Beverly Hills, CA 90212
Phone: (877) 206-4 7 41
Fax: (866) 633-0228
tfiedman@attomeysforconsumers.com
Attorey for Plaintiff
IN THE UNITED STATES DISTRICT COURT
FOR THE EASTERN DISTRICT OF CALIFORNIA
ANNEMARlE BIOLSI, ) Case No.
)
Plaintiff, ) COMLAINT
)
vs.
)
JURY DEMANDED
)
JEFFERSON CAPITAL SYSTEMS, )
LLC,
)
)
Defendant. )
)
Nature of the Action
1. This is an action under the Fair Debt Collection Practices Ac
("FDCPA"), 15 U.S.C. 1692, et seq.
Jurisdiction and Venue
2. This court has jurisdiction pursuant to 15 U.S.C. 1692k(d) and 28
U.S.C. 1331.
3. Venue is proper in this Court under 28 U.S.C. 139l(b) as the act
Plaintiff's Complaint
-|-
Case 2:14-cv-00903-WBS-CMK Document 1 Filed 04/11/14 Page 2 of 8
1 and transactions g1vmg nse to Plaintif Annemarie Biolsi's ("Plaintiff') actio
2
occurred in this District, Plaintiff resides in this District, and Defendant J efferso
3
Capital Systems, LLC ("Jefferson Capital") tansacts business in this District.
4
Parties
5
6
4. Plaintiff is a natural person who at all relevant times resided in th
7 State of Califoria, City of Redding.
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
5. Plaintiff is a "consumer" as defined by 15 U.S.C. 1692a(3).
6. Plaintif is obligated, or allegedly obligated, to pay a debt owed o
due, or asserted to be owed or due, a creditor other than Jeferson Capital.
7. Plaintiff's obligation, or alleged obligation, owed or due, or asserte
to be owed or due, a creditor other than Jeferson Capital, arises from a transactio
in which the money, property, insurance, or services that are the subject of th
transaction were incurred primarily for personal, family, or household purposes.
8. Defendant Jefferson Capital is a limited liability company wit
principal offices situated at 16 McLeland Drive, St. Cloud, Minnesota 56303.
9. Jeferson Capital is an entity which at all relevant times was engaged,
by use of the mails and telephone, in the business of attempting to collect a "debt"
from Plaintiff, as defined by 15 U.S.C. 1692a(5).
10. Jefferson Capital is a "debt collector" as defined by the FDCPA, 15
U.S.C. 1692a(6).
Plaintiff's Complaint
-_-
Case 2:14-cv-00903-WBS-CMK Document 1 Filed 04/11/14 Page 3 of 8
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
Factual Allegations
11. On or about April 30, 2013, Jefferson Capital mailed or caused to b
mailed to Plaintiff a letter ("Emblem MasterCard Offer"), a true and correc
copy of which is attached hereto as Exhibit A.
12. The Emblem MasterCard Offer opens with the prommen
headline, and in bold language: "Everyone deserves the opportunity to have a fresh
start. For yours, read on . . . " See Ex. A.
13. The Emblem MasterCard Offer then states: "This really is the kin
of debt solution you have been waiting for. Your participation is voluntary but w
hope you choose to participate and complete the Program in order to qualif for
Debt Reduction Credit (reward) and a MasterCard credit card (bonus)." See Ex.
A.
14. The alleged debt referenced in the Emblem MasterCard Offer wa
fom Premier Bancard, LLC, in the amount of $362.77, with a charge-off date o
February 29, 2008. Thus, at the time of the letter, Plaintiffs alleged debt wa
time-barred in Califoria and could not be collected in a court of!aw. See Ex. A.
CAUSES OF ACTION
COUNT ONE: 15 U.S.C. 1692e(10)
15. Plaintiff realleges and incororates by reference the allegation
24
contained in paragraphs 1-14 as if flly set forth herein.
Plaintiffs Complaint
-o-
Case 2:14-cv-00903-WBS-CMK Document 1 Filed 04/11/14 Page 4 of 8
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
15 U.S.C. 1692e(10) provides:
A debt collector may not use any flse, deceptive, or misleading
representation or means in connection with the collection of any
debt. Without limiting the general application of the foregoing,
the fllowing conduct is a violation of this section:
+ + +
(10) The use of any false representation or deceptive means to
collect or attempt to collect any debt or to obtain infonnation
concering a consumer.
16. The Emblem MasterCard Offer represents to the least
sophisticated consumer:
Time-Barred Debt: Depending on your account history and
applicable law, your debt may currently be outside the
applicable statute of limitations period for the purpose of taking
legal action to collect this debt. Our records indicate that the
account listed above has a Charge Off Date of 04/24/2005. If
your debt is time-barred at the time of this letter, your choice to
participate in the Program will not be deemed to restart, revive,
toll or otherwise extend the originally applicable statute of
limitations period. Regardless, we and our bank partner
have agreed (for ourselves and for our respective successors
and assigns) that they will never sue to collect a Fresh Start
Solution ' Program balance.
Ex. A (emphasis in original).
2 O 17. However, the Debt was time-barred at the time Jefferson Capital sen
21
22
23
24
its letter to Plaintif. Moreover, repaying the debt could cause the statute o
limitations to restart, and subject Plaintiff to legal exposure, Jeferson Capital'
representations notwithstanding.
Plaintiff's Complaint
--
Case 2:14-cv-00903-WBS-CMK Document 1 Filed 04/11/14 Page 5 of 8
1
18. In addition, and upon information and belief, Jeferson Capital ha
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
actual knowledge that Plaintiffs Debt was time-barred at the time it sent its Jette
to Plain tiff.
19. These false, deceptive, and misleading representations were used i
connection with C attempt to collect a debt in violation of 15 U.S. C. l 692e( l 0).
COUNT TWO: 15 U.S.C. 1692f
2 0. Plaintiff realleges and incorporates by refrence the allegation
contained in paragraphs 1-14 as if flly set forth herein.
21. 15 U.S.C. 1692fprovides:
A debt collector may not use unfair or unconscionable means to
collect or attempt to collect any debt.
22. By attempting to collect a debt it knevv to be time-barred, and b
making associated representations that were flse and misleading, Jefferson Capita
used unfair or unconscionable means to attempt to collect a debt from Plaintiff i
violation of 15 U.S.C. 1692f.
WRFOR, Plaintiff prays for relief and judgment, as follows:
a. Adjudging that Jeferson Capital violated 15 U.S.C. 1692e(10) and
15 u.s.c. 1692f;
b. Awarding Plaintiff statutory damages, pursuant to 15 U.S.C. 1692k.
in the amount of $1,000.00;
c. Awarding Plaintiff her reasonable attoreys' fees and costs incurred i
this action, including attorey's fes and expert fes;
Plaintiff's Complaint
-2-
Case 2:14-cv-00903-WBS-CMK Document 1 Filed 04/11/14 Page 6 of 8
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
d. Awarding Plaintiff any pre-judgment and post-judgment interest a
may be allowed under the law; and
e. Awarding such other and further relief as the Court may deem just an
proper.
JRY DEMAND
Plaintiff demands a trial by jury on all counts.
Dated: April 11, 2014 Respectfully submitted,
Isl Todd M. Friedman
Todd M. Friedman (216752)
Law Offices of Todd M. Friedman, P.C.
369 S. Doheny Dr., #415
Beverly Hills, CA 90211
Phone: (877) 206-4741
Fax: (866) 633-0228
tfiedman@toddflaw.com
Attorey fr Plaintif
Plaintiff's Complaint
=Q~
Case 2:14-cv-00903-WBS-CMK Document 1 Filed 04/11/14 Page 7 of 8
1
2
3
4
5
EXHIBIT A
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
Plaintiffs Complaint
~1
Case 2:14-cv-00903-WBS-CMK Document 1 Filed 04/11/14 Page 8 of 8

e
: Jefferson capital $ye ms,LC |
l00 \aI\bO!U\|O0n Program
J
16 McLetar1d Road WN.freshstartsolutionprogram.cr
BlCloud, MN 5603 :
1866

29-23

-------------r---

'
\
M-TH8AMloBPMCST \ FRl7AMto3PMCST
\
4^`**"*

_Ev!rone
-
:es the oppot1unitytohave a 1ehs f Foryours red on
'165139331512
Annemarie Biols
Apt. 20
275 Hilltop D.
Redding, CA 9603-3240
l
l
\
l
\llJ1l11!'1I'
1
1'1'"1iJul1lhl1111lpl11-l-ll
1

1
1h
l"ll\l
De Annemrie Biols:
This !edoris regarding the debt outlInodbo|ow
Description: Premier Bankcard MasterCard
Original & Curer Creditor. Prerler unkord,LLC
Acotmt Number. 5178007629334622
Chargeoff Date: 02129(2006
Amount Due: $362 77
April 30, 2013
The Fresh Strt Solution'" Program ("Program"} coul d help you c1four outtnding balance. Your ate referer;cd Obha>be
referre by (our current creditor, Fremi0r Bancd, LC, to us, Je.er< Capita\ System, LLC, {"Jfferson Captal") for cllection. |Iyou choose the
Pam oton for repayment of you dIoutl|ncabve, you n make Dwm01qpayrnts, qualify for a Debt ReLon Creand
dT)10Ia nw no annual fee, unseured credt card as an ad ns,
T'srelly is l0HnOf debt solutbn you have been waitng for. You gaticpatn Is vOluntary buL wBh you choose kpartcipate arlete
the Program inorder to quanf for a Det Rdcton Crec (reward} an a Marcarc credit r: d (nus).
Sounds 100 good to be true? Here's how it works in 3 smple 5e!
1 Choose to pad|c!pae inthe Program,
Pay us at |east $220.00 wrthln 10months. Complete ypur
2 payments to qualif in one lump sum or make mlnimuM monthly
payments of 522.00 over 1Cmonths.
T Program Blanc: $362.77
;Total Payment to Qualif: -420.O
Once you nave paid the Total ayent to Qua
lif Amont you
W receive a Debt Reduction Credit of 51^2.7 and yo

will
3 qualify for a credi Oid.Your remaining Balance of 10po *will
then be trarisferred to a nev; cndtOidaccount
: Debt Reducion Crerit: -$14277
Credit Card Terms
0/PR on any tansferred Remaining Balance
Initial Available Oredit: S150.00..-
Leava$ Remaining Balance
'
= $0.00
(lransferrable to credit car
or Emhlemt MastrCard-
No Balance Transfer Fee and No Annual Feel
Initial Credit Lm$150.00"
Recelve an Emblem MasterCardCredit Card as a bonus for co etlng the Progra Coplele l0sirrp\-steps outined .ve aq;au routd
soon bcaring a brand new credt card. Trans!0r the Reminin Ba!

e of your outstancn debt to your new card accmt arid eoy a 0AF|for
te life of that bafac:' That's r inter or finance charges o your cent dbt and a credit crd with an avai1able line of new creit '"hen you neeq||
1 a
1
to parti6ipate There's 10 credt c-require, Simply co
<
1epartkipato [mbelow, or yl
l|shIaO''a or us at 1-865-280-2838 to sl ' up. crmr infmmation, you can call us. efore y7know |l,you Yll ]lave IO0
I|cshstanyou dere.
Yours sincerely,
_efeYSO"Capltal StStew,s, LLC
Plese r espond to this debt solution lrqram on or before
blJ
COMMUNICAlON IS ROMP L CRPNO I AN ATTMPTL LL1=J L.
7lWlLMNLW L t LLQ lLMM LlLL.
PIE:se Read
J
NOTICE DFIHPDRTA||TINFORMAION about your Rights Under Federal, sate, Local Lwand Tme-Barred Debt on te reverse
side of Ihhleh0r. 1
SUMrMRY OF CREDIT TR5for m|o,fee and other cost Infrmtion relate to te Emblemt!ll\asterCardand A0DII|ONAL
F0H!AMUbTA|L5liminimum payment reu!rementsfd other contfrtions, enclosewith this lettr.
i1 youchooe i>ate,we wi|smyou a 'Bank Crat C Pm|wimInl0s da;alled APRs, !=8P0other tnfortln
related to th EmblemMasterCan credit crd,
")0u]3}m060806.U|8y60kl3'g800u![y0Jr 0[)0|u006J6|0W6|0qy0|1t/vu|!80I!FJ|+)b6h}gh6l. Y0 |/\800
ru0|m7}Increase a )0RI!06/(60Jc0)0uIH03|00'60I0g!m 000
.
c00l00
M7"/'|00|90|6|038!08~0yC!080KP8V0/(|6J8||!08/|786/8n80byM88|!00M0P00llJ/b80K8JU6/inot
v0l-00h|!hthe 00/K0 0/000as 8I0 |0/3(0/80,W08v0 0;!8h8|008)(0juD00|600Kl08000 u0J0 0!}0J/000A'|h 0|80K
8r!n6t, W0Wlk!Uv'16U0!m|00!h8W0h-6 300||y0u t0V|D8K8||!0/00|/8 6/}0Jhv60u00J/'I6cr80ca,
Time-Bared Debt: Depnding on your account histoqadappOcabl1 !aw, your dbt may currety be outside te aPlicble statut of limittos peio
for the purse Mt8king legal .ction to cll0ct !s Ol Our records cae that the acont listed <a Chrge DDate <0U9PO08. |Iyr
d istime-bared at the I00of this leter, your choice to pop8!e i the Proram v||lnt bdeemed to resrrfive, toll or othwise eOnJt
origlnallyappncae statute of fimiltons p1 R ard es we an ou bank artner have ech a ee for ourselves and fo our res v
sucqsors and assigns) that we will never sue to colleca Freb 3nSlutjonTh Program Balance, Se revere sie for moe deta\ls o
time-barred d&bt.
+
1) fthe completed partlcpatOn form bkwrmpr
2) nw.freshsoluonprogram.com
3) 1-866-290-2838
0uetAem:i|c3 :n|bcm0ee!c|=pr|kta rif(, please udate on rfvse side.
Your physical 8ddress is required !oh a cr&l card. No pcst
0
fe bo1s
Home Ptione Work Phone t'le Phone
--------
Locerpres 6f5113
Invitation Refrence No. 165139331512
1111111111111111111111111111
Annema rie Biolsl
Apt. 20
275 Hilltop Dr,