Federal Trade Commission v. Kutzner et al

Filing 170

STIPULATED ORDER FOR PERMANENT INJUNCTION AND OTHER EQUITABLE RELIEF AS TO JONATHAN TARKOWSKI by Judge Beverly Reid O'Connell that Jonathan Tarkowski, his officers, agents, employees, and attorneys, and all other persons in active concert or par ticipation with any of them, who receive actual notice of this Order, whether acting directly or indirectly, in connection with the advertising, marketing, promoting, offering for sale, or selling of any financial product or service, are permanently restrained and enjoined. FURTHER ORDERED that Judgment in the amount of $1,110,165.00 is entered in favor of the Commission against Jonathan Tarkowski, jointly and severally, as equitable monetary relief. (SEE ATTACHMENT FOR FURTHER DETAILS). FURTHER ORDERED that this Court retains jurisdiction of this matter for purposes of construction, modification, and enforcement of this Order. (jp)

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NO JS-6 1 2 3 4 5 6 UNITED STATES DISTRICT COURT CENTRAL DISTRICT OF CALIFORNIA 7 8 9 FEDERAL TRADE COMMISSION, 10 11 12 SACV16-00999-BRO (AFMx) Plaintiff, STIPULATED ORDER FOR PERMANENT INJUNCTION AND OTHER EQUITABLE RELIEF AS TO JONATHAN TARKOWSKI v. DAMIAN KUTZNER, et al. 13 Defendants. 14 15 Plaintiff, the Federal Trade Commission (“Commission” or “FTC”), filed its 16 Complaint for Permanent Injunction and Other Equitable Relief (“Complaint”), 17 pursuant to Section 13(b) of the Federal Trade Commission Act (“FTC Act”), 15 18 U.S.C. § 53(b), and the 2009 Omnibus Appropriations Act, Public Law 111-8, 19 Section 626, 123 Stat. 524, 678 (Mar. 11, 2009) (“Omnibus Act”), as clarified by 20 the Credit Card Accountability Responsibility and Disclosure Act of 2009, Public 21 Law 111-24, Section 511, 123 Stat. 1734, 1763-64 (Mar. 22, 2009) (“Credit Card 22 Act”), and amended by the Dodd-Frank Wall Street Reform and Consumer 23 Protection Act, Public Law 111-203, Section 1097, 124 Stat. 1376, 2102-03 (July 24 21, 2010) (“Dodd-Frank Act”), 12 U.S.C. § 5538. The Commission and Jonathan 25 Tarkowski stipulate to the entry of this Stipulated Order for Permanent Injunction 26 and Other Equitable Relief (“Order”) to resolve all matters in dispute in this action 27 between them. 28 1 1 THEREFORE, IT IS ORDERED as follows: FINDINGS 2 3 1. This Court has jurisdiction over this matter. 4 2. The Complaint charges that Defendants participated in deceptive acts 5 or practice in violation of Section 5 of the FTC Act, 15 U.S.C. § 45, and otherwise 6 violated the Mortgage Assistance Relief Services Rule (“MARS Rule”), 16 C.F.R. 7 Part 322, recodified as Mortgage Assistance Relief Services, 12 C.F.R. Part 1015 8 (“Regulation O”). 9 3. Jonathan Tarkowski neither admits nor denies any of the allegations in 10 the Complaint, except as specifically stated in this Order. Only for purposes of this 11 action, Jonathan Tarkowski admits the facts necessary to establish jurisdiction. 12 4. Jonathan Tarkowski waives any claim he may have under the Equal 13 Access to Justice Act, 28 U.S.C. § 2412, concerning the prosecution of this action 14 through the date of this Order, and agrees to bear his own costs and attorney fees. 15 16 5. Jonathan Tarkowski and the Commission waive all rights to appeal or otherwise challenge or contest the validity of this Order. DEFINITIONS 17 18 For the purposes of this Order, the following definitions apply: 19 A. 20 “Assisting others” includes: 1. responding to consumer complaints; 21 22 performing customer service functions, including receiving or 2. formulating or providing, or arranging for the formulation or 23 provision of, any advertising or marketing material, including 24 any telephone sales script, direct mail solicitation, or the design, 25 text, or use of images of any Internet website, email, or other 26 electronic communication; 27 28 2 3. 1 formulating or providing, or arranging for the formulation or 2 provision of, any marketing support material or service, 3 including web or Internet Protocol addresses or domain name 4 registration for any Internet websites, affiliate marketing 5 services, or media placement services; 4. 6 customers; 7 5. 8 performing marketing, billing, or payment services of any kind; or 9 6. 10 acting or serving as an owner, officer, director, manager, or principal of any entity. 11 12 providing names of, or assisting in the generation of, potential B. “Corporate Defendants” means Brookstone Law P.C. (California), 13 Brookstone Law P.C. (Nevada), Advantis Law P.C., and Advantis Law Group 14 P.C., and their successors and assigns. 15 16 17 18 19 C. “Defendants” means all of the Individual Defendants and the Corporate Defendants, individually, collectively, or in any combination. D. “Financial product or service” includes any product, service, plan, or program represented, expressly or by implication, to: 1. provide any consumer, arrange for any consumer to receive, or 20 assist any consumer in receiving, a loan or other extension of 21 credit; 22 2. provide any consumer, arrange for any consumer to receive, or 23 assist any consumer in receiving, credit, debit, or stored value 24 cards; 25 26 3. improve, repair, or arrange to improve or repair, any consumer’s credit record, credit history, or credit rating; or 27 28 3 4. 1 record, credit history, or credit rating. 2 3 4 5 provide advice or assistance to improve any consumer’s credit E. “Individual Defendants” means Damian Kutzner, Jeremy Foti, Vito Torchia Jr., Jonathan Tarkowski, R. Geoffrey Broderick, and Charles T. Marshall. F. “Person” includes a natural person, organization, or other legal entity, 6 including a corporation, partnership, proprietorship, association, cooperative, or 7 any other group or combination acting as an entity. 8 9 G. “Secured or unsecured debt relief product or service” includes: 1. With respect to any mortgage, loan, debt, or obligation between 10 a person and one or more secured or unsecured creditors or debt 11 collectors, any product, service, plan, or program represented, 12 expressly or by implication, to: 13 a. stop, prevent, or postpone any mortgage or deed of 14 foreclosure sale for a person’s dwelling, any other sale of 15 collateral, any repossession of a person’s dwelling or 16 other collateral, or otherwise save a person’s dwelling or 17 other collateral from foreclosure or repossession; 18 b. negotiate, obtain, or arrange a modification, or 19 renegotiate, settle, or in any way alter any terms of the 20 mortgage, loan, debt, or obligation, including a reduction 21 in the amount of interest, principal balance, monthly 22 payments, or fees owed by a person to a secured or 23 unsecured creditor or debt collector; 24 c. obtain any forbearance or modification in the timing of 25 payments from any secured or unsecured holder or 26 servicer of any mortgage, loan, debt, or obligation; 27 28 4 d. 1 negotiate, obtain, or arrange any extension of the period 2 of time within which a person may (i) cure his or her 3 default on the mortgage, loan, debt, or obligation, (ii) 4 reinstate his or her mortgage, loan, debt, or obligation, 5 (iii) redeem a dwelling or other collateral, or (iv) exercise 6 any right to reinstate the mortgage, loan, debt, or 7 obligation or redeem a dwelling or other collateral; e. 8 obtain any waiver of an acceleration clause or balloon 9 payment contained in any promissory note or contract 10 secured by any dwelling or other collateral; or f. 11 negotiate, obtain, or arrange (i) a short sale of a dwelling 12 or other collateral, (ii) a deed-in-lieu of foreclosure, or 13 (iii) any other disposition of a mortgage, loan, debt, or 14 obligation other than a sale to a third party that is not the 15 secured or unsecured loan holder. 16 The foregoing shall include any manner of claimed assistance, 17 including auditing or examining a person’s application for the 18 mortgage, loan, debt, or obligation. 19 2. With respect to any loan, debt, or obligation between a person 20 and one or more unsecured creditors or debt collectors, any 21 product, service, plan, or program represented, expressly or by 22 implication, to: 23 a. or 24 25 26 repay one or more unsecured loans, debts, or obligations; b. combine unsecured loans, debts, or obligations into one or more new loans, debts, or obligations. 27 28 5 ORDER 1 2 I. 3 4 5 6 7 8 9 10 11 12 13 14 15 16 BAN ON SECURED AND UNSECURED DEBT RELIEF PRODUCTS AND SERVICES IT IS ORDERED that Jonathan Tarkowski is permanently restrained and enjoined from advertising, marketing, promoting, offering for sale, or selling, or assisting others in the advertising, marketing, promoting, offering for sale, or selling, of any secured or unsecured debt relief product or service. Provided, that Section I shall not prohibit Jonathan Tarkowski, if licensed to practice law in the appropriate jurisdiction, from directly rendering routine legal services (1) to clients with whom Jonathan Tarkowski has an attorney-client relationship in connection with new or existing bankruptcy proceedings or estate planning, or (2) in connection with the closing and execution of real estate transactions. This proviso shall not be construed to limit the licensing or regulatory powers of any federal, state, or local government agency or state bar. II. PROHIBITION AGAINST MISREPRESENTATIONS RELATING TO FINANCIAL PRODUCTS AND SERVICES IT IS FURTHER ORDERED that Jonathan Tarkowski, his officers, 17 agents, employees, and attorneys, and all other persons in active concert or 18 participation with any of them, who receive actual notice of this Order, whether 19 acting directly or indirectly, in connection with the advertising, marketing, 20 promoting, offering for sale, or selling of any financial product or service, are 21 permanently restrained and enjoined from misrepresenting, or assisting others in 22 misrepresenting, expressly or by implication: 23 24 A. the terms or rates that are available for any loan or other extension of credit, including: 25 1. closing costs or other fees; 26 2. the payment schedule, monthly payment amount(s), any balloon 27 payment, or other payment terms; 28 6 3. 1 the interest rate(s), annual percentage rate(s), or finance charge(s), and whether they are fixed or adjustable; 2 4. 3 the loan amount, credit amount, draw amount, or outstanding 4 balance; the loan term, draw period, or maturity; or any other 5 term of credit; 5. 6 the amount of cash to be disbursed to the borrower out of the 7 proceeds, or the amount of cash to be disbursed on behalf of the 8 borrower to any third parties; 6. 9 whether any specified minimum payment amount covers both 10 interest and principal, and whether the credit has or can result in 11 negative amortization; or 7. 12 that the credit does not have a prepayment penalty or whether 13 subsequent refinancing may trigger a prepayment penalty 14 and/or other fees; B. 15 the ability to improve or otherwise affect a consumer’s credit record, 16 credit history, credit rating, or ability to obtain credit, including that a consumer’s 17 credit record, credit history, credit rating, or ability to obtain credit can be 18 improved by permanently removing current, accurate negative information from 19 the consumer’s credit record or history; 20 C. that a consumer will receive legal representation; or 21 D. any other fact material to consumers concerning any good or service, 22 such as: the total costs; any material restrictions, limitations, or conditions; or any 23 material aspect of its performance, efficacy, nature, or central characteristics. 24 III. 25 26 27 28 PROHIBITION AGAINST MISREPRESENTATIONS RELATING TO ANY PRODUCTS OR SERVICES IT IS FURTHER ORDERED that Jonathan Tarkowski, his officers, agents, employees, and attorneys, and all other persons in active concert or participation with any of them, who receive actual notice of this Order, whether 7 1 acting directly or indirectly, in connection with the advertising, marketing, 2 promoting, offering for sale, or selling of any product, service, plan, or program, 3 are permanently restrained and enjoined from misrepresenting, or assisting others 4 in misrepresenting, expressly or by implication: 5 6 A. the likelihood of obtaining any relief for consumers, including “at least $75,000” or consumers’ homes free and clear; 7 B. the ability or likelihood to void consumers’ mortgages; 8 C. the existence of a team of experienced lawyers and/or personnel 9 capable of litigating lender fraud and related claims; 10 D. that consumers will be added a to a lawsuit; 11 E. any material aspect of the nature or terms of any refund, cancellation, 12 exchange, or repurchase policy, including the likelihood of a consumer obtaining a 13 full or partial refund, or the circumstances in which a full or partial refund will be 14 granted to the consumer; 15 F. that any person is affiliated with, endorsed or approved by, or 16 otherwise connected to any other person; government entity; public, non-profit, or 17 other non-commercial program; or any other program; 18 19 G. the nature, expertise, position, or job title of any person who provides any product, service, plan, or program; 20 H. 21 any consumer; 22 I. 23 24 the person who will provide any product, service, plan, or program to that any person providing a testimonial has purchased, received, or used the product, service, plan, or program; J. that the experience represented in a testimonial of the product, service, 25 plan, or program represents the person’s actual experience resulting from the use of 26 the product, service, plan, or program under the circumstances depicted in the 27 advertisement; or 28 8 K. 1 any other fact material to consumers concerning any good or service, 2 such as: the total costs; any material restrictions, limitations, or conditions; or any 3 material aspect of its performance, efficacy, nature, or central characteristics. 4 IV. 5 MONETARY JUDGMENT AND PARTIAL SUSPENSION IT IS FURTHER ORDERED that: 6 A. Judgment in the amount of One Million One Hundred Ten Thousand 7 One Hundred and Sixty Five Dollars ($1,110,165.00) is entered in favor of the 8 Commission against Jonathan Tarkowski, jointly and severally, as equitable 9 monetary relief. 10 B. Jonathan Tarkowski is ordered to pay to the Commission $5,307.03. 11 To make this payment, the following frozen assets held by third parties in the name 12 of, or for the benefit of Jonathan Tarkowski shall be transferred to the Commission 13 as follows: 14 a. Within 10 days of receiving notice of this Order Wells Fargo 15 Bank, N. A., its parent corporation, subsidiaries, principals and 16 agents shall transfer to the Commission by electronic fund 17 transfer or certified bank or cashier’s check, in accordance with 18 instructions to be provided by the Commission, all funds in the 19 name of, or for the benefit of, Jonathan Tarkowski, including 20 but not limited to: 21 i. Account No. XXXX-3581, held in the name of Jonathan Tarkowski; 22 23 ii. Account No. XXXX-0754, held in the name of Jonathan Tarkowski. 24 25 26 Upon such payment, the remainder of the judgment is suspended, subject to the Subsections below. 27 28 9 C. 1 The Commission’s agreement to the suspension of part of the 2 judgment is expressly premised upon the truthfulness, accuracy, and completeness 3 of Jonathan Tarkowski’s sworn financial statements and related documents 4 (collectively, “financial representations” ) submitted to the Commission, namely: 5 the Financial Statement of Individual Defendant Jonathan Tarkowski signed on 6 June 9, 2016 including the attachments. D. 7 The suspension of the judgment will be lifted as to Jonathan 8 Tarkowski if, upon motion by the Commission, the Court finds that he failed to 9 disclose any material asset, materially misstated the value of any asset, or made 10 any other material misstatement or omission in the financial representations 11 identified above. E. 12 If the suspension of the judgment is lifted, the judgment becomes 13 immediately due as to Jonathan Tarkowski in the amount specified in Subsection 14 A. above (which the parties stipulate only for purposes of this Section represents 15 the consumer injury alleged in the Complaint), less any payment previously made 16 pursuant to this Section, plus interest computed from the date of entry of this 17 Order. 18 V. 19 ADDITIONAL MONETARY PROVISIONS IT IS FURTHER ORDERED that: 20 A. Jonathan Tarkowski relinquishes dominion and all legal and equitable 21 right, title, and interest in all assets transferred pursuant to this Order and may not 22 seek the return of any assets. 23 B. The facts alleged in the Complaint will be taken as true, without 24 further proof, in any subsequent civil litigation by or on behalf of the Commission, 25 including in a proceeding to enforce its rights to any payment or monetary 26 judgment pursuant to this Order, such as a nondischargeability complaint in any 27 bankruptcy case. 28 10 C. 1 The facts alleged in the Complaint establish all elements necessary to 2 sustain an action by the Commission pursuant to Section 523(a)(2)(A) of the 3 Bankruptcy Code, 11 U.S.C. § 523(a)(2)(A), and this Order will have collateral 4 estoppel effect for such purposes. D. 5 Jonathan Tarkowski acknowledges that his Taxpayer Identification 6 Numbers (Social Security Numbers or Employer Identification Numbers), which 7 he previously submitted to the Commission, may be used for collecting and 8 reporting on any delinquent amount arising out of this Order, in accordance with 9 31 U.S.C. §7701. E. 10 All money paid to the Commission pursuant to this Order may be 11 deposited into a fund administered by the Commission or its designee to be used 12 for equitable relief, including consumer redress and any attendant expenses for the 13 administration of any redress fund. If a representative of the Commission decides 14 that direct redress to consumers is wholly or partially impracticable or money 15 remains after redress is completed, the Commission may apply any remaining 16 money for such other equitable relief (including consumer information remedies) 17 as it determines to be reasonably related to Defendants’ practices alleged in the 18 Complaint. Any money not used for such equitable relief is to be deposited to the 19 U.S. Treasury as disgorgement. Defendants have no right to challenge any actions 20 the Commission or its representatives may take pursuant to this Subsection. F. 21 The asset freeze in force against Jonathan Tarkowski is modified to 22 permit the payments identified in the Monetary Judgment and Partial Suspension 23 Section. Upon completion of that payment, the asset freeze is dissolved. 24 VI. 25 26 CUSTOMER INFORMATION IT IS FURTHER ORDERED that Jonathan Tarkowski, his officers, agents, employees, and attorneys, and all other persons in active concert or 27 28 11 1 participation with any of them, who receive actual notice of this Order, are 2 permanently restrained and enjoined from directly or indirectly: A. 3 failing to provide sufficient customer information to enable the 4 Commission to efficiently administer consumer redress. If a representative of the 5 Commission requests in writing any information related to redress, he must 6 provide it, in the form prescribed by the Commission, within 14 days. B. 7 disclosing, using, or benefitting from customer information, including 8 the name, address, telephone number, email address, social security number, other 9 identifying information, or any data that enables access to a customer’s account 10 (including a credit card, bank account, or other financial account), that any 11 Defendant obtained prior to entry of this Order in connection with any product or 12 service related to consumers’ mortgages; and C. 13 14 failing to destroy such customer information in all forms in their possession, custody, or control within 30 days after entry of this Order. Provided, however, that customer information need not be disposed of, and 15 16 may be disclosed, to the extent requested by a government agency or required by 17 law, regulation, or court order. 18 VII. 19 COOPERATION IT IS FURTHER ORDERED that Jonathan Tarkowski must fully 20 cooperate with representatives of the Commission in this case and in any 21 investigation related to or associated with the transactions or the occurrences that 22 are the subject of the Complaint. Jonathan Tarkowski must provide truthful and 23 complete information, evidence, and testimony. Jonathan Tarkowski must appear 24 for interviews, discovery, hearings, trials, and any other proceedings that a 25 Commission representative may reasonably request upon 5 days written notice, or 26 other reasonable notice, at such places and times as a Commission representative 27 may designate, without the service of a subpoena. 28 12 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 VIII. ORDER ANCKNOWLEDGMENTS IT IS FURTHER ORDERED that Jonathan Tarkowski obtain acknowledgments of receipt of this Order: A. Jonathan Tarkowski, within 7 days of entry of this Order, must submit to the Commission an acknowledgment of receipt of this Order sworn under penalty of perjury. B. For five (5) years after entry of this Order, for any business that Jonathan Tarkowski, individually or collectively with any other Defendants, is the majority owner or controls directly or indirectly, must deliver a copy of this Order to: (1) all principals, officers, directors, and LLC managers and members; (2) all employees, agents, and representatives who participate in conduct related to the subject matter of the Order; and (3) any business entity resulting from any change in structure as set forth in the Section titled Compliance Reporting. Delivery must occur within 7 days of entry of this Order for current personnel. For all others, delivery must occur before they assume their responsibilities. C. From each individual or entity to which a Defendant delivered a copy of this Order, that Defendant must obtain, within 30 days, a signed and dated acknowledgment of receipt of this Order. IX. COMPLIANCE REPORTING IT IS FURTHER ORDERED that Jonathan Tarkowski make timely submissions to the Commission: A. One year after entry of this Order, Jonathan Tarkowski must submit a compliance report, sworn under penalty of perjury: 1. Jonathan Tarkowski must: (a) identify the primary physical, postal, and email address and telephone number, as designated points of contact, which representatives of the Commission may use to communicate with Defendant; (b) identify all of that Defendant’s businesses by all of their names, telephone 13 1 numbers, and physical, postal, email, and Internet addresses; (c) 2 describe the activities of each business, including the goods and 3 services offered, the means of advertising, marketing, and sales, 4 and the involvement of any other Defendant (which Individual 5 Defendants must describe if they know or should know due to 6 their own involvement); (d) describe in detail whether and how 7 that Defendant is in compliance with each Section of this 8 Order; and (e) provide a copy of each Order Acknowledgment 9 obtained pursuant to this Order, unless previously submitted to 10 the Commission. 2. 11 Additionally, Jonathan Tarkowski must: (a) identify all 12 telephone numbers and all physical, postal, email and Internet 13 addresses, including all residences; (b) identify all business 14 activities, including any business for which such Defendant 15 performs services whether as an employee or otherwise and any 16 entity in which such Defendant has any ownership interest; and 17 (c) describe in detail such Defendant’s involvement in each 18 such business, including title, role, responsibilities, 19 participation, authority, control, and any ownership. 20 B. For 10 years after entry of this Order, Jonathan Tarkowski must 21 submit a compliance notice, sworn under penalty of perjury, within 14 days of any 22 change in the following: 23 1. Jonathan Tarkowski must report any change in: (a) any 24 designated point of contact; or (b) the structure of any entity 25 that Defendant has any ownership interest in or controls directly 26 or indirectly that may affect compliance obligations arising 27 under this Order, including: creation, merger, sale, or 28 14 1 dissolution of the entity or any subsidiary, parent, or affiliate 2 that engages in any acts or practices subject to this Order. 2. 3 Additionally, Jonathan Tarkowski must report any change in: 4 (a) name, including aliases or fictitious name, or residence 5 address; or (b) title or role in any business activity, including 6 any business for which such Defendant performs services 7 whether as an employee or otherwise and any entity in which 8 such Defendant has any ownership interest, and identify the 9 name, physical address, and any Internet address of the business 10 or entity. 11 C. Jonathan Tarkowski must submit to the Commission notice of the 12 filing of any bankruptcy petition, insolvency proceeding, or similar proceeding by 13 or against such Defendant within 14 days of its filing. 14 D. Any submission to the Commission required by this Order to be 15 sworn under penalty of perjury must be true and accurate and comply with 28 16 U.S.C. § 1746, such as by concluding: “I declare under penalty of perjury under 17 the laws of the United States of America that the foregoing is true and correct. 18 Executed on: _____” and supplying the date, signatory’s full name, title (if 19 applicable), and signature. 20 E. Unless otherwise directed by a Commission representative in writing, 21 all submissions to the Commission pursuant to this Order must be emailed to 22 DEbrief@ftc.gov or sent by overnight courier (not the U.S. Postal Service) to: 23 Associate Director for Enforcement, Bureau of Consumer Protection, Federal 24 Trade Commission, 600 Pennsylvania Avenue NW, Washington, DC 20580. The 25 subject line must begin: FTC v. Damian Kutzner, X030002. 26 27 28 15 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 X. RECORDKEEPING IT IS FURTHER ORDERED that Jonathan Tarkowski must create certain records for 10 years after entry of the Order, and retain each such record for 5 years. Specifically, for any business that Jonathan Tarkowski, individually or collectively with any other Defendants, is a majority owner or controls directly or indirectly, must create and retain the following records: A. accounting records showing the revenues from all goods or services B. personnel records showing, for each person providing services, sold; whether as an employee or otherwise, that person’s: name; addresses; telephone numbers; job title or position; dates of service; and (if applicable) the reason for termination; C. records of all consumer complaints and refund requests, whether received directly or indirectly, such as through a third party, and any response; D. all records necessary to demonstrate full compliance with each provision of this Order, including all submissions to the Commission; and E. XI. a copy of each unique advertisement or other marketing material. COMPLIANCE MONITORING IT IS FURTHER ORDERED that, for the purpose of monitoring Jonathan Tarkowski’s compliance with this Order, including the financial representations upon which part of the judgment was suspended and any failure to transfer any assets as required by this Order: A. Within 14 days of receipt of a written request from a representative of the Commission, Jonathan Tarkowski must: submit additional compliance reports or other requested information, which must be sworn under penalty of perjury; appear for depositions; and produce documents for inspection and copying. The Commission is also authorized to obtain discovery, without further leave of court, 28 16 1 using any of the procedures prescribed by Federal Rules of Civil Procedure 29, 30 2 (including telephonic depositions), 31, 33, 34, 36, 45, and 69. B. 3 For matters concerning this Order, the Commission is authorized to 4 communicate directly with Jonathan Tarkowski. Jonathan Tarkowski must permit 5 representatives of the Commission to interview any employee or other person 6 affiliated with him who has agreed to such an interview. The person interviewed 7 may have counsel present. C. 8 The Commission may use all other lawful means, including posing, 9 through its representatives as consumers, suppliers, or other individuals or entities, 10 to Jonathan Tarkowski or any individual or entity affiliated with Jonathan 11 Tarkowski, without the necessity of identification or prior notice. Nothing in this 12 Order limits the Commission’s lawful use of compulsory process, pursuant to 13 Sections 9 and 20 of the FTC Act, 15 U.S.C. §§ 49, 57b-1. D. 14 Upon written request from a representative of the Commission, any 15 consumer reporting agency must furnish consumer reports concerning Jonathan 16 Tarkowski, pursuant to Section 604(1) of the Fair Credit Reporting Act, 15 U.S.C. 17 §1681b(a)(1). 18 XII. 19 20 21 RETENTION OF JURISDICTION IT IS FURTHER ORDERED that this Court retains jurisdiction of this matter for purposes of construction, modification, and enforcement of this Order. IT IS SO ORDERED. 22 23 24 25 26 DATED: January 9, 2017 By: Honorable Beverly R. O’Connell United States District Court Judge 27 28 17 1 SO STIPULATED AND AGREED: 2 FOR PLAINTIFFF: 3 4 5 6 7 8 9 10 11 12 13 FEDERAL TRADE COMMISSION _______________________________ Date:___________________ Benjamin J. Theisman, pro hac vice btheisman@ftc.gov Gregory J. Madden, pro hac vice gmadden@ftc.gov FEDERAL TRADE COMMISSION 600 Pennsylvania Ave. NW, CC-9528 Washington, DC 20580 Tel: (202) 326-2223, -2426; Fax: (202) 326-3197 FOR DEFENDANT: 14 15 16 17 18 19 20 _______________________________ Date:___________________ RAINES FELDMAN LLP Stephen P. Farkas (Cal. Bar No. 234060) 9720 Wilshire Boulevard, 5th Floor Beverly Hills, California 90212 Telephone: (949) 358-7426, Facsimile: (424) 226-3014 Email: sfarkas@raineslaw.com Attorney for Defendant Jonathan Tarkowski 21 22 23 _______________________________ Date:___________________ Jonathan Tarkowski 24 25 26 27 28 18

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