Kardonick v. JP Morgan Chase & Co. et al

Filing 395

NOTICE OF APPEAL as to 384 Judgment, Order Dismissing Case by Laura Fortman, Douglas Paluczak, Chris Schulte Filing fee $ 455.00. Within fourteen days of the filing date of a Notice of Appeal, the appellant must complete the Eleventh Circuit Transcript Order Form regardless of whether transcripts are being ordered [Pursuant to FRAP 10(b)]. For information go to our FLSD website under Transcript Information. (Attachments: # 1 civil appeal statement, # 2 final judgment appealed from)(Weinstein, Matt Fee- Not Paid, Text Modified on 10/14/2011 (cqs).

Case 1:10-cv-23235-WMH Document 384

Entered on FLSD Docket 09/16/2011 Page 1 of 7

UNI
TED STATES DI
STRI COURT
CT
SO U TH ER N D ISTR ICT O F FL OR I A
D

Case N o.10- 23235/ O EV ELE R
cvH

DAVI K ARDO N I ,i vi
D
CK ndi dualy and on
l
behal ofal ot s si iarl s t ed and t
f
1 her m l y iuat
he
generalpublc
i,
Pl ntf ,
ai if

CLOSED
CI L
VI
CASE

JPM ORGAN CH ASE & CO .and CH ASE
BAN K U SA ,N . .
A
Def
endant
s.

FI AL JU D G M EN T AN D OR D E R O F D I I
N
SM SSAL
The Cour havi hel a Fai
t
ng
d
rness H ear ng on Sept ber 9,2011,notc of
i
em
ie
t Fai
he
rness H eari havi been dul gi
ng
ng
y ven i acc
n
ordance wi h t s Cour '
t hi
ts

Co r c e Or r ( ) Co to ly Ce tf i a Se te e Cl s ()Pr lmi rl
r e t d de 1 ndii na l r iy ng
tl m nt as , 2 e i na iy
Appr v ng Cl s Ac i n Se teme , ( ) Appr v ng No ie Pl and ( ) Se tng
oi
as to
tl nt 3
oi
tc an,
4 ti

Fa r s He i rpr lm i r Appr va Or e n, and ha i c nsde e a l
ine s arng d ei na y
o l d r)
v ng o i r d l
m a t r s it d t i a t Fa r s Hea i and o he wi e a fnd ng noj t
te s ubm te o t t he ines
rng
t r s , nd i i
us
reason f de ay i ent y of t s Fi
or l
n
r
hi
nal Judgm ent and good cause appear ng
i
t ef
her ore,

i i her
t s eby ORDERED AN D AD JU D GED as f l w s:
olo
1.

The Stpul i and A greem ent of Cl s Ac i Set l ent i l ng
i at on
as
ton
t em
, nc udi

is e hi t (he d tl m e Agr e nf', da e De e be 20, 201 a t
t x bis t d te nt
se
e me ) t d c m r
0 nd he

1

Case 1:10-cv-23235-WMH Document 384

Entered on FLSD Docket 09/16/2011 Page 2 of 7

dèfni i n of w o and t s co ned t i ar i or
i to
rds
erm
ntai
here n e nc porat by r ere e i
ed
ef nc n
t s Orde
hi
r. The t m s of t s Cour ' Pr i i y Appr
er
hi
ts elm nar
oval Order are al o
s
i or
nc porat by r er
ed
ef ence i t sO r
n hi der.

Thi Co t has j i d c i n o r t s j c m a t r o t Lii ato
s ur
urs ito ve he ub e t t e f he tg i n
and o
ver al Par i t t Li i i i l ng a1 m em ber of t f l i
l
t es o he t gaton, nc udi
l
s
he olow ng
Se tem ent Cl
tl
ass c
ondi i l cer ii f s t em ent pur es i t s Cour '
t onaly
t fed or et l
pos n hi
ts
Pr i i y ApprovalOrder
elm nar
.
3.

Pur
suantt Feder Rul ofCi lProc
o
al e
vi
edur 23,and f pur es o
e
or
pos f

s tem entonl t Cour here c t fes t s ac i as a c as ac i on behal of
et l
y, he
t
by er ii hi t on
l s ton
f
t f l i Set l ent Cl s:
he olow ng tem
as
Al Chas Car
l
e
dhol s who were enro l or bil f a
der
led
led or
Paym entProt t on Pr
ec i
oductat any t m e be w een
i
t
Se em ber 1,2004 and N ovem ber 11,2010. Exc uded
pt
l
f om t c as are al Chas Car
r
he l s
1
e
dhol s w hos Chas
der
e
e
Cr tCard Ac
edi
count t w er enr l or bil f a
s hat
e
oled
led or
Paym entProt t on Pr
ec i
oduc w er di harged i
t
e sc
n
bankr c
upt y.
The Cour fnds t pr equi iesofc as c t fc i f a s t em ent
ti
he er
st
l s er ii aton or et l

ca sunde Rul 23()and 23*)3 ha be n m e .
ls
r e a
( ) ve e
t
The Cour here appoi s D avi Kar
t
by
nt
d
doni k,John D avi and M i
c
d,
chael
Cl i as Cl Repr
em ns
ass
esent i oft Set l ent Cl s.
at ves he tem
as

6.

Ha ngc nsde e t f c o ss tf r h i Rul 23( ) and ha ng f
vi o i r d he a t r e o t n e g ,
vi ound

Go om b & H oni P. ,and Car W ilam sBat Puli & Bowm an,PLLC t be
l
k, C.
ney li
es lam
o
adequat t Cour he by appoi s Gol b & Honi P. and Car y W ilam s
e, he
t re
nt
om
k, C.
ne
li
Bat Puli & Bowm an,PLLC as Cl s Couns t r es t Se t em ent
es lam
as
el o epr ent he t l
Cl s.Cl Couns and Cl s Re
as
ass
el
as
pres atve
ent i

2

Case 1:10-cv-23235-WMH Document 384

Entered on FLSD Docket 09/16/2011 Page 3 of 7

Pl ntf shave f rl and adequat y r
ai if
ai y
el epres ed t Cl w ih
ent he ass t
res tt t Set l entand t Stpul i
pec o he t em
he i at on.
8.

The Cour her
t eby fnds t t Set l ent Agr ent i t produc
i
hat he
tem
eem
s he
t

ar ' l h s t em ent negot at ons bet een t
m s engt
et l
i i
w
he Set l ent Cl
t em
ass
Repr
esent i and Cl s Counse ,and D ef
at ves
as
l
endant
s.
9.

The Cour her
t
eby fnds and c l
i
onc udes t
hat t
he Not c w as
ie

di sem i ed t m em bers oft Set l ent Cl s i ac ordanc wi h t t m s s
s
nat o
he t em
as n c
e t he er
et
f t i t Set l entAgr ent t t Longor h n he t em
eem
Form N ot c w as di sem i ed t
ie
s
nat o
, hat he
al m em bers of t Set l ent Cl s w ho r
l
he
tem
as
eques ed s
t
uch no i e, t
t c hat t
he
Publcat on N otc w as publs
i i
ie
i hed i ac dance wi h t t s s f t i t
n cor
t he erm et or h n he
Set l entAgreem ent and t t N o i Long- m N ot c , and t Publcat on
tem
,
hat he t ce,
Ter
ie
he
i i
Not c and t r di s i i w er i c plance w ih t s Cour ' Pr i i y
i e,
hei s em nat on
e n om i
t hi
ts elm nar
Appro Order.
val

10.

The Cour f her fnds and c l
t urt
i
onc udes t t Not c , t Long- m
hat he
i e he
For

N o i e, t Publc i N otce, t Cl m s For s, and t notce and c ai s
t c he
i at on
i
he ai
m
he
i
l m

s
ubm i s on pr edur s f t i Sec i V1 l oft Set l entA gr ent f l
si
oc
es et or h n
t on I
he t em
eem
uly
s i y Rul 23 oft FederalRul ofCi lPr
atsf
e
he
es
vi ocedur and t r
e
he equi em ent ofdue
r
s
pr s, w er t bes not c prac i abl under t c r um s anc , pr ded
oces
e he
t
ie
tc e
he i c
t es
ovi
i vi
ndi dual not c t al m em bers of t Set l ent Cl w ho coul be i ii
ie o l
he
t em
ass
d
dentfed

t o h r as na e efo t a s
hr ug e o bl f r , nd uppo tt Co ts e r i e o j i d c i n o rt
r he ur ' xe cs f ur s ito ve he
Set l ent Cl s as c em pl ed i t Set l ent and t s Or .
t em
as
ont
at n he tem
hi der
11.

Thi Court here fnds and conc udes t
s
by i
l
hat not c pro ded by Chas
ie
vi
e

t t a o i t St t a f de alo fc a s pur ua t 28 U . C.j 171 f l
o he ppr pr a e a e nd e r fii l
s nt o
S.
5 uly
s i fed t requi em ent oft s at e.
at s i he
r
s hat t ut

Case 1:10-cv-23235-WMH Document 384

Entered on FLSD Docket 09/16/2011 Page 4 of 7

1
2. The Co thasc nsde e and o r ul a lo j c i nst t
ur
o i rd
ve r ed l b e to o he
Set l ent.
t em

13.

Seve Cl M em ber have r
ral ass
s
eques ed t o outoft Set l ent
t o pt
he t em

(optoutPl i ifn. The Op - Pl ntfs who a els e i Do ke Ent y 367
' t
a ntfs )
t out ai if ,
r it d n c t r
7,have c pled wi h t Cour ' pr edur and wilnotbe bound by t t m s of
om i
t he
ts oc
es
l
he er
t s Set l ent.
hi
tem
14.

The Cour her fnaly appro t Set l ent Agreem ent and t
t eby i l
ves he
t em
he

Set l ent c em pl ed t eby, and fnds t
tem
ont
at
her
i
hat t t m s cons i ut , i al
he er
tt e n l
r pec s, a f r, r
es t
ai easonabl and adequat s t em ent as t al Set l ent Cl
e,
e et l
o l tem
ass
M em bers i ac rdanc w ih Rul 23 oft Federal Rul of Ci l Pr
n co
e t
e
he
es
vi ocedur , and
e
di ec s is c um m at on pur
r t t ons
i
suantt is t m s and c
o t er
ondi i .
t ons

1
5. Thi Co t he e dim is s wih pr j c w i hout costs to any
s ur r by s s e , t e udie, t
par y,exce as e ess y pr ded f i t Set l ent Agr ent, t Am ended
t
pt
xpr l ovi
or n he t em
eem
he
Cons i ed Cl Ac i Com pl nt
oldat
ass t on
ai .

1
6. Upon Fi lAppr val(ncud ng wiho lm ia i n,t e
na
o i l i , t ut i t to he xhaus i n o
to f
any j calr vi w,o r ue t f rj i i lr v e fo t s Fi lJudg e a
udii e e r eq s s o ud c a e i w, r m hi na
m nt nd
Or e o Dim is l,t Se teme Cl sRe e e a i s and e h a e r o
d r f s s a ) he t l nt as pr s nt tve
ac nd ve y ne
o t Set l ent Cl M em bers uncondii l , f l
f he
t em
ass
tonaly uly,and fnaly r eas and
i l el es
f ver di harges t Rel ed Partes f m t Rel ed Cl m s. I addii any
ore
sc
he eas
i ro he eas
ai
n
ton,
r ght of t Set l ent Cl s Repr
i s
he
tem
as
esent i
atves and eac and every one of t
h
he
Set l ent Cl s M em ber t t pr e i aforded under Sec i 1542 of t
t em
as
s o he ot ctons f
t on
he
Calf ni Ci l Code and/ any ot
ior a vi
or
her sm iar, c parabl or equi ent l w s,are
i l
om
e,
val
a
t m i ed.
er nat

4

Case 1:10-cv-23235-WMH Document 384

Entered on FLSD Docket 09/16/2011 Page 5 of 7

Each and ever Se t em ent Cl s M em ber and any pers act l or
y tl
as
on
ualy
,

pur r e l a tng o be l o a Se teme Cl s M e be t) i he e
po t d y c i n ha f f ny tl nt a s m rs , s r by
pe m a nty bar e and e j i d fom c m mencng i tt i c ntnui ,
r ne l
rd
n one r
o
i , ns iutng, o i ng
pur ui m ai ai ng,pr ec i , o e o cng any Reea e Cl i s (ncudi
s ng,
nt ni
os ut ng r nf r i
l s d a m i l ng,

wi hout lm i at on,i any i vi
t
i t i
n
ndi dual c assor put i c ass r es atve or o her
atve l , epr ent i
t
, l

ac in o pr c e ng ,d r cl o i ie ty, n a j ii ,adm i s r tv ar t a ,
to r o e di ) i e ty r nd r c l i ny ud cal
nit a i e, bir l
or o her f um ,agai tt Rel
t
or
ns he eased Par i . Thi pe mane ba a i j to i
t es
s r
nt r nd n unc i n s
nec ar t pr ec and efec uat t Se t em entA greem ent t s Fi Judgm ent
ess y o ot t
f t e he t l
nal
, hi
and Or
der of Di i al and t s Cour ' aut iy t efec uat t Set l ent
sm ss ,
hi
ts
hor t o f t e he
tem

Ag e m e ,and i o d r d i ai o t s Co ts j i d c i n and t pr t c is
r e nt
s r e e n d f hi ur ' urs i to
o oet t
j me s
udg nt .
1
8. The Se te e Ag e m e (ncud ng, t utlm iato ise b t )
t lm nt r e nt i l i wiho i t i n, t xhi is ,
and any and a1 negot at ons,docum ent , and di c si ass i ed wi h i ,s l
l
i i
s
s us ons oc at
t t hal
not be deem ed or const
rued t be an adm i i or evi
o
ss on
denc of any vi at on of any
e
ol i
s at e,l ,rul r
t ut aw
e, egul i orpri i e ofcom m on 1 or equiy, o ofany labiiy
aton
nc pl
aw
t r
i lt
or w r
ongdo ng by Def
i
endant or of t t ut of any of t c ai s ass ed i t
s,
he r h
he l m
ert n he

Am ended Cons i ed Cl s Ac i Com pl nt or i t c pl nt fl i t
oldat
as
t on
ai
n he om ai s ied n he
Lii i
t gat on, and evil e r at ng t t Set l ent Agreem ent shal not be
tenc el i
o he
t em
l
di overabl or us di ec l or i r ty, i any w ay,whet i t Lii i or
sc
e
ed, r ty
ndi ec l n
her n he t gat on
i any ot
n
her ac i or pr eedi , exc f r pur es of enf i t t s and
ton
oc
ng
ept o
pos
orc ng he erm

c
ondi i of t Set l ent A gr ent t Prelm i y Approval Or
t ons
he
tem
eem
i nar
der,and/
or
, he
t s Or
hi
der.

19.

l f any r on t Se t em ent t rm i es or Fi Appr
f or
eas he t l
e nat
nal
ovaldoes not

occ t
ur, hen t Am ended Cons i ed Cl A c i Com pl nt s l be di m i sed
he
oldat
ass t on
ai hal
s s

Case 1:10-cv-23235-WMH Document 384

Entered on FLSD Docket 09/16/2011 Page 6 of 7

'

wiho pr j c , t o r tve Co a n s s l be t Com pl nt fl
t ut e udie he pe a i
mpl i t ha l
he
ai s ied

pr ousy i t Lii i and c t fc i of t Set l ent Cl
evi l n he t gat on,
er ii aton
he
t em
ass s l be
hal

deem ed vac ed. l s h an event t cer ii i of t Set l ent Cl s f
at
n uc
, he t fcat on
he
tem
as or
s t em ent pur
et l
poses s l not be c i red as a f t i c
hal
ons de
ac or n onnec i wi h any
t on t
s equent c ass cer ii i i ues, and t Par i s lr urn t t st us quo
ubs
l
tfcat on ss
he
t es hal et
o he at

ant i t Lii ato wiho pr j ie t t rg o any o t Par i st as e t
e n he tg in, t ut eud c o he i ht f
f he te o s r
any r ghtor pos t on t coul have been ass t i t Set l enthad neverbeen
i
i i hat
d
er ed f he t em
r hed or pr
eac
opos t t Cour .
ed o he
t
20.

l t event t
n he
hat any pro s on oft Se t em ent or t s Fi Orde
vi i
he t l
hi nal
r

and Judgm ent of Di i sali ass t by D ef
sm s
s er ed
endant as a def e i w hol or i
s
ens n
e
n

par t a Cl m ,o o he wi e as e t d (nc udi wiho lm ia i n,as a bass
t o ny ai r t r s s r e i l ng, t ut i t to
i
f a s ay) i any ot sui,ac i or pr
or t n
her t ton,
oceedi br
ng ought by a Set l
tement Cl
ass
M em ber or any Pers ac ualy o pur t y ac i on behal of any Set l ent
on t l r
por edl t ng
f
tem

Cl s M e rs ,t t s t a to o o he pr c e i s l be i me at l s a d
as
mbe t) ha ui, c i n r t r o e d ng ha l m di e y t ye

a e j i d untlt s Co to t c ur o t i li whih t c a m i pe ng
nd n o ne
i hi ur r he o t r rbuna n c he l i s ndi
has det m i any i uesrel ed t suc def e or ass i . Sol y f pur
er ned
ss
at o h ens
erton
el or
poses
ofs h s t ac i or o he pro
uc ui , t on, t r ceedi , t t f l text t
ng o he ules
ent hey m ay e f t ve y do
fec i l

s under applc e l ,t Partes i re
o
i abl aw he
i r vocabl w ai and agr not t as t by
y
ve
ee
o ser ,

wa o mo i n,as a de e e o o he wi e any cai o o j c i n t t y ar no
y f to
f ns r t r s ,
l m r b e to hat he e t
s bj c t t j idito o t Co t o t tt Co ti , n a wa an i o r
u e t o he urs c i n f he ur , r ha he ur s i ny y, mpr pe
venue or an i onveni
nc
ent f
orum . Thes pr s ons ar neces y t pr ect t
e ovi i
e
sar o ot
he
Set l ent A gr
tem
eem ent t s Or
, hi
der and t s Co ts aut iy t efec uat t
hi
ur '
hor t o f t e he

Se te e ,a ar o de ed i a d o t s Co tsj i dito and t pr t c is
tl m nt nd e r r n i f hi ur ' ur s c i n
o oe t t
'

J
udgm ent.

Case 1:10-cv-23235-WMH Document 384

Entered on FLSD Docket 09/16/2011 Page 7 of 7

By at hi
tac ng t
he Set l ent A greem ent as an exhi t and
t em
bi
i or
nc porat ng i s t na her n, t Court det m i
i
t er s
ei he
er nes t
hat t s Fi Judgm ent
hi nal

c mple i a lr s c swih Fe e a Rul o Ci lPr c e 65 d)1 .
o i s n l e pe t t d r l e f vi o edur ( ( )
22. The Cour appr
t
oves,i par Cl s Couns ' applcat on f a Fee and
n
t, as
els
i i or

Expens Award,and aw ar t amount of $3, 000. i at orneys f and
e
ds he
500, 00 n t
' ees
$62, 54 i rei burs e of ltgaton expenses, and f Setl ent Cl
676. n m
em nt
ii i
or tem
ass
Repr ent i 'Aw ards i t am ount o $2, t be pai t each oft t ee
es atves
n he
f 500 o
d o
he hr
Cl s Repr
as
esent i
at ves.

23.

The Courthasext
ended t deadlne f s
he
i or ubm it ng a cl m on t
ti
ai
he

Set l ent Fund t ough and i l ng Sept ber 9, 2011. Any Cl m For
t em
hr
nc udi
em
ai
m
pos m ar on orbef Sept ber 9,2011,or r ei on o bef e Sept ber 9,
t ked
ore
em
ec ved
r or
em
2011,wilbe t eat ast m el fl
l
r ed
i y ied.

The Cour o
t rder t t s Fi Judgm ent and Order o di m i
s hat hi nal
f s ssal s l
hal

c ns iut a fna j m e pur ua t Rul 5 o t Fed r l Rul s o Ci l
o tt e i l udg nt s nt o
e 4 f he
ea
e f vi
Proc
edur The Cl k of t Cour i di t t ent t s Order on t doc
e.
er
he
t s rec ed o
er hi
he
ket
f t t
or hwi h.

I lght oft s Order,al m ot ons t i er
n i
hi
l
i
o nt vene ar DENI , t m o i t
e
ED he t ons o
1 her
ng
ons
ed
wihdr w o e to are GRANTED ,and a1 ot pendi m oti are deni , as
t a bj c i ns
m oot.

4

J aoSpe e21, Mim,lia
ldyfet r01i a iFod.
mb
n
r

D ON E AN D ORDERED t s
hi

X f
TH E ON ORABLE W I AM M .H OEVELER
LLI
SEN I U N I
OR
TED STATES DI
STRI JU D GE
CT
Co es t c
pi o: ounselofr
ecor
d