B of A Vs TOm Lawler

1YLED I N
CLERK' S
OFFI CE
UI D. C. At l a nt a
ORI GI NAL
J UL 032003 ~
LUT
D.
MA3, OW*
By;
I N THE UNI TED STATES DI STRI CT COURT
~a MCl ek
THE NORTHERN DI VI SI ON OF GEORGI A, ATLANTA DI VI SI ON
CASE NO:
DI VI SI ON:
BB
AL'
1
: 03-CV-1868
DEFENDANTS NOTI CE OF
REMOVAL
Def enda nt
.
10F3
BANK OF AMERI CA N. A . ,
a cor por a t i on,
Pl a i nt i f f ,
v.
Thoma s J . La wl er
a n i ndi vi dua l ,
DEFENDANT' S NOTI CE OF REMOVAL
Def enda nt f i l es t hi s not i ceof r emova l under 28U. S . C. 1446( a ) .
A . I nt r oduct i on
l . Pl a i nt i f f i s Ba nkOf Amer i ca ; def enda nt i s Thoma s J ohn La wl er .
2. On Ma y 21, 2003, pl a i nt i f f
sued
def enda nt f or Sui t on Account i n t he
STATE COURT OF THE COUNTY OF GWWETT, STATE OF GEORGI A .
3. Def enda nt wa s ser ved not i ce of t hesui t on J une3, 2003. Def enda nt f i l ed
t hi s not i ce of r emova l wi t hi n t he 30-da y t i me per i od r equi r ed by 28 U. S . C.
1446( b) .
~mcf ng
t r i a l
I ns
cn
ns
16
k
~C
Case 1:03-cv-01868-JTC Document 1 Filed 07/03/03 Page 1 of 46
20F3
B. Basi s f or Removal
4.
Removal i s pr oper because
Pl ai nt i f f ' s sui t i nvol ves a f eder al quest i on . 28 U. S . C. 1331, 1441( b) ;
Long v. Bando Mf g. of Am. , I nc. , 201 F. 3d 754, 757- 58 ( 6t h Ci r . 2000) ;
Pet er s v. Uni on Pac. R. R. , 80 F. 3d 257, 260 ( 8t h Ci r . 1996) .
Speci f i cal l y, pl ai nt i f f ' s cl ai mar i ses under 12 U. S . C. 24, whi ch st at es,
"Upon dul y maki ng and f i l i ng ar t i cl es of associ at i on and an
or gani zat i on cer t i f i cat e a nat i onal banki ng associ at i on shal l become, as
f r om
t he dat e of t he execut i on of i t s or gani zat i on cer t i f i cat e, a body
cor por at e, and as such, and i n t he name desi gnat ed i n t he or gani zat i on
cer t i f i cat e, i t shal l have power . . . " and under 12 U. S . C. 24 Sevent h,
whi ch st at es, ". . . by l oani ng money on per sonal secur i t y ; . . . ".
6.
Al l
pl eadi ngs, pr ocess, or der s, and ot her f i l i ngs i n t he st at e cour t act i on ar e
at t ached t o t hi s not i ce as r equi r ed by 28 U. S . C. 1446( a) .
7. Venue i s pr oper i n t hi s di st r i ct under 28 U. S . C. 1441( a) because t hi s
di st r i ct and di vi si on embr ace t he
pl ace
wher e t he
r emoved act i on has been
pendi ng.
8. Def endant wi l l f i l e pr ompt l y a copy of t hi s not i ce of r emoval wi t h t he cl er k
of t he st at e cour t wher e
t he act i on has been pendi ng.
C. J ur y Demand
9. Pl ai nt i f f
di d not demand a j ur y i n t he st at e cour t act i on .
D. Concl usi on
10. The pl ai nt i f f i s a nat i onal banki ng ent i t y and as such i s subj ect t he banki ng
l aws of t he Uni t ed St at es and speci f i cal l y t he pr ovi si ons of 12 U. S . C. 24. Pl ai nt i f f
l oaned cr edi t , not
money t o def endant .
Pl ai nt i f f
i s
seeki ng
t o r ecover money under
t he aut hor i t y of an al l eged cont r act t hat appear s t o be ul t r a vi r es . Def endant
bel i eves
pl ai nt i f f may have
knowi ngl y
or
unwi t t i ngl y
been i nvol ved i n Bank Fr aud,
by a scheme of l endi ng banks cr edi t , and not i t s deposi t or s or i nvest or s f unds.
30F3
Dated thi s
~a
day, of the month , 2003
- r
Thomas J ohn Lawl er
5077 Tanaga Ct .
Stone Mountai n, Georgi a 30087
770- 498- 2886
CSC-3 Rev. 85
t
~S
.
~
Ci vi l
Acti on No.
D
-J
- ( 1
' C
(1 1 /W
S State Court xDc
Date Fi l ed
Superi or
Court O
Georgi a,
Gwi nnott
County
` Bank of Ameri ca, N. A. (USA)
Attorney' s
Address
Pl ai nti ff
Frederi ck J . Hanna
Attorney At-Law
VS.
1 655 Enterpri se
Way
Thomas
J . Lavl er
Mari etta, GA 30067
Name and Address of Partyto be
Served.
Defendant
Thomas J . Lawl er
5077
Tanage Ct
Stone
M
ou
nta
i
n,
GA 30087-
4042
Garni shee
MARSHAUSHERIFF' S ENTRYOF SERVICE
s
I have thi s day served the defendant
p
ersonal l y wi th a copy
$' O
of the wi thi n acti on and
summons. -
a
I have thi s day served the defendant by l eavi ng
o a copy of the
acti on
and
summons athi s
most
notori ous pl ace
of abode
i n
thi s county.
Del i vered same i nto the hands of descri bed as fol l ows
age,
about-years ; wei ght, about- pounds ; hei ght, about feet and i nches, domi ci l ed at the
resi dence of
defendant
z
0
Served the
defendant
a corporati on
by l eavi ng a copy
of
the
wi thi n acti on and
summons
wi th
i n charge of
the offi ce
and
pl ace of doi ng
busi ness of
sai d corporati on i n
thi s
County.
J
I have thi s day served the above styl ed
affi davi t
and summons on the defendant(s) by posti ng a copy of the same to the door of the
' Opremi ses
desi gnated
i n sai d
affi davi t, and on
the same
day of such
posti ng by deposi ti ng
a
true copy of same
i n
the Uni ted States
v mai l , Fi rstCl ass i n an envel ope properl yaddressed to the defendant(s) atthe address shown i n sai d summons. wi th adequate postage
affi xed thereon contai ni ng noti ce to the defendant(s) to answer sai d summons atthe pl ace stated i n the summons.
F
N
UJ
C] Di l i gent search made and defendant
notto be found i n the j uri sdi cti on of thi s court.
1
Thi s
day
of , 20
DEPUTY
SHERIFF
DOCKET
PAGE
Dennis E.
Henry
Attorney at Law
LawOffices of Frederick
J .
Hanna
1655 EnterpriseWay
Marietta, GA 30067
CLERK
OF
STATE COURT
By
V-~- e~(~t~l~
Deputy Clerk
I NTHE STATE COURT FORTHE COUNTY OF GWI NNETT
STATE OF GEORGI A
BANKOF AMERI CA, N. A. <USA>
PLAI NTI FF
CI VI L ACTI ONFI LE
NUMBER
0
3
THOMASJ LAWLER
5077
TANAGA
CT
STONE MOUNTAI N
GA
30087-4042
DEFENDANT
SUMMONS
TOTHE ABOVE NAMEDDEFENDANT
You arehereby summonedandrequiredto file with theClerk of said
Court andserve
upon
the
Plaintiff' s attorney, whosename andaddress is:
AnAnswer to theComplaint which
is herewith serveduponyou within30 days
after serviceof this Summons uponyou, exclusiveof the
day of
service
. I f
you fail to do
so,
j udgment
by default will be takenagainst you for the
relief demandedin
the
Complaint.
This the
C2r
4ay
of , 2003.
CLEF. h
5
r
i ECr :
INTHE STATE COURT FORTHE COUNTYOF Wh &ETT~
STATE OF GEORGIA
CIVIL ACTIONFILE
NO.
03
- - E- G- b4y7
G
- 5
THOMASJ LAWLER
(4)
Pl ai nti ff, by th i s compl ai nt, gi ves th eDefendant wr i tten
noti ce i n
accor dance wi th th e r equi r ements of 13- 1- 11of th eO
. C. G. A. th at Pl ai nti ff
i ntends to enfor ce th epr ovi si ons of th eagr eement r el ati ve topayment
of al l
costs of enfor cement, i ncl udi ngattor ney' s fees, i n
addi ti ontopr i nci pal and
i nter est unl ess th epr i nci pal ,
i nter est, and
cour t
cost h er ei n demandedar e
r ecei vedwi th i n ten (10) days fr omth er ecei pt of th i s
compl ai nt by Defendant .
If payment of th epr i nci pal , i nter est,
and
cour t
coat h er ei ndemandedar enot
r ecei vedwi th i n ten
(10)
days
fr omth er ecei pt of th i s compl ai nt by Defendant,
Defendant wi l l be l i abl e for attor ney' s
fees
set out
for i n 13- 1- 11of th e
O. C. G. A. i naddi ti on
to th epr i nci pal , i nter est, andcour t costs h er ei n
demanded.
WHEREFORE, Pl ai nti ff demands
J udgment
agai nst
Defendant i n th epr i nci pal
sum
of
$12,984 . 34,
attor ney fees of $1,363 . 3, i ntel est of $q~8. 95 andcour t
costs of
$90
. 00 . `p
Denni s
E.
Henr y
Attor ney
for
Pl ai nti ff
Geor gi a Bar #347675
Fr eder i ckJ . Hanna 6Associ ates
1655
Enter pr i se Way
Mar i etta, GA
30067
(770) 988- 9055
HANKOF AMERICA, N. A. <USA>
Pl ai nti ff
vs.
2889MAT
2
1 AM11I
07
r oM
LAwLE7a.
r ,LERH
SUITONACCOUNT
Nowcomes th ePl ai nti ff i n th eabove- styl edacti onandstates i ts
compl ai nt as fol l ows:
(1)
Th e Defendant, a r esi dent of th i s county, i s subject to th e jur i sdi cti on
of th i s Cour t andcan
be
ser vedat
h i s/h er
r esi dence
addr ess of 5077 TANAGA
CT.
STONE
MOUNTAIN
GA
30087- 4042
.
(2)
Th e
Defendant
i s i ndebtedto Pl ai nti ff i n th e amount of $12,984 . 34 as
pr i nci pal , $398. 95 as i nter est, pl us
attor ney
fees
of 15%of
th e
fi r st $500
. 00
and
10%of
th e r emai ni ngunpai d
pr i nci pal
and
i nter est or $1,363 . 33 .
(3)
Th epr i nci pal andi nter est ar e
past
due and
Defendant r efuses to pay .
LEDGERCARDFOR:03010464 04/C2/03
Bank of Ameri ca, N. A. Vs. LAWLER/THOMASJ
3 Ccmmeri cal
Place,
9thF
Vs. 5077
TANAGACT
Norfolk, VA 23510-227
Vs. STONE
MOUNTAIN 300874042
DEBTORBALANCE: 12,984. 34
INTEREST
DUE:
398
. 95
TOTAL
DUE: 13,383
. 29
001 . 00
DATE ~
REF #
I
DESCRIPTION I COLLECTED ; C EXPENDED
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,
I N THE STATE COURT
OF
GWI NNETT C' dyUNTY
STATE OF GEORGI A
2003 J UN 13 P ! a 4~ 43
CI VI L ACTI ON NO. : 03- C04776- 5
Def enda nt
.
deny ea ch such ma tter .
DEFENDANT' S FI RST REQUEST FORI NTERROGATORI ES
ANDADtvI I S510NS, ANDP RODUCTI ON OF
DOCUMENTS
I
of 7
P l a i nti f f ,
v.
THOMAS J . LAWLER
. .
-
R{
.
T 0
1
7 i
I
- V~7
"
. ' .
. '
k - , .
;
'
DEFENDANT' S FI RST REQUEST
FOR
I NTERROGATORI ES AND
ADMI SSI ONS, ANDP RODUCTI ON OF DOCUMENTS
Al l P r e- Tr i a l di scover y dema nded by def enda nt, pur sua nt to the Rul es of Ci vi l P r ocedur e
a nd other a ppl i ca bl e Rul es of Cour t of the sta te of Geor gi a , i s consi der ed by def enda nt to be
di r ectl y a nd speci f i ca l l y r el eva nt tothe subj ect ma tter of the pendi ng a cti on a nd to def enda nts
def ense( s) .
P l a i nti f f i s r equested to r espond i n wr i ti ng a nswer s to a l l i nter r oga tor i es, a dmi ssi ons, a nd
to di scl ose a nd pr oduce a l l documents r equested, a nd send photocopi es of a l l di scover y to
def enda nt . P l a i nti f f i s r equi r ed to f ur ni sh such i nf or ma ti on a s i s a va i l a bl e to pl a i nti f f , pl a i nti f f s
a gents or of f i cer s possessi ng f i r st- ha nd k nowl edge of the events
or documents
i n
questi on. Al l
a nswer s a nd documents a r e expected to be of f er ed a s evi dence.
I f pl a i nti f f ca nnot r espond i n f ul l to a ny r equest f or i nter r oga tor i es a f ter ma k i ng
r ea sona bl e ef f or ts to secur e the r equi r ed i nf or ma ti on, r espond to the extent possi bl e a nd set f or th
the ef f or ts you ha ve ma de to secur e the r equi r ed i nf or ma ti on.
I f
pl a i nti f f does
not a dmi t ea ch of the a dmi ssi ons, pl a i nti f f must speci f i ca l l y deny ea ch
one not a dmi tted a nd set f or th i n
deta i l
the
r ea sons why
pl a i nti f f
ca nnot tr uthf ul l y ei ther a dmi t or
9. Pl ease i denti f y the deposi tor i n pl ai nti f f s and
def endant' s al l egedcredi t arrangement .
DEFENDANT' SFI RSTREQUESTFORI NTERROGATORI ES 2of 7
ANDADMI SSI ONS, ANDPRODUCTI ONOFDOCUMENTS
I f pl ai nti f f cannot respond i n f ul l to any request f or producti on of documents af ter
maki ng
reasonabl eef f orts to securethe requi red i nf ormati on,
respond
to
the
extent
possi bl eandset f orth
the ef f orts you have madetosecure the requi red i nf ormati on. Def endant i s wi l l i ngto di scuss
wi th pl ai nti f f , andaf ter agreement provi deappropri ate andreasonabl e rei mbursement of costs
of
producti on of sai d documents.
Theserequests f or i nterrogatori es andadmi ssi ons, andproducti on of documents, are
conti nui ng. I f pl ai nti f f acqui res addi ti onal i nf ormati on pertai ni ng to theserequests, pl ai nti f f i s
requi red to serve addi ti onal and/ or amended responses todef endant promptl y.
Pl ai nti f f
shal l serve theresponses andproducerequested documents on or
bef ore thi rty
( 30) days f romthe recei pt of thi s request .
REQUESTFORI NTERROGATORI ES
I s pl ai nti f f a bankor banki ngi nsti tuti on?
2. I f pl ai nti f f i s
a
bank
or
banki ngi nsti tuti on, i s pl ai nti f f
aNati onal , Federal ,
or
State
banki ngi nsti tuti on
and/ or associ ati on, or a
savi ngs
andl oanor credi t uni on, or some
other typeof bankor banki ngi nsti tuti onand/ or associ ati on?
3.
Does
thepl ai nti f f
namedi n thi s acti on have speci f i c knowl edgeof thi s compl ai nt?
4. Has the pl ai nti f f namedi n thi s acti on speci f i cal l y authori zed counsel named
as
representati ve of pl ai nti f f to i ni ti ate thi s compl ai nt?
I s pl ai nti f f bonded whol l y or i n part
by
anybank? I f
so,
what i s
thename
and
address of
the bank?
6. What i s thecompl ete
name
andaddress
of
the
pl ai nti f f s banki ngenti ty, andi n what ci ty,
state, andj uri sdi cti on was sai d enti ty chartered?
7.
What i s the amount of moneypl ai nti f f purportedl y l oaned todef endant i n creati ng thi s
account?
8. I denti f y wi th speci f i ci ty the account number of the
account
whi ch
was
used to
f und
def endant' s al l eged credi t account .
21 . St at e compl et el y t he f act ual basi s of each def ense you now
asser t or
wi l l
asser t i n t hi s
act i on.
DEFENDANT' S FI RSTREQUESTFORI NTERROGATORI ES
3 of 7
ANDADI vi I SS10NS, ANDPRODUCTI ONOF
DOCUMENTS
10. Does pl ai nt i f f empl oy t he t r ansact i on concept of moneyas r eveal ed
i n
t he r ul es
and
manual s i ssued
by
t he Feder al Reser ve?
11 . Does pl ai nt i f f abi de by t he r egul at i ons and r ul es of banki ng set f or t h by t he Feder al
Reser ve?
12 . Di d pl ai nt i f f use def endant s si gnat ur e, and/ or some f or mof a pr omi ssor y not e t o r ai se an
addi t i onal amount of money f or pl ai nt i f f wi t hout i nf or mi ng or di scl osi ng t hi s
i nf or mat i on
t o
def endant ? I f t he answer i s yes, has
def endant
been
r ecompensed?
13 . Di d pl ai nt i f f r ai se an asset f or i t sel f i n addi t i on t o t he l i abi l i t y i t r ai sed at t he t i me i t
al l egedl y i ssued cr edi t t o def endant ? I f t he answer i s yes, was def endant i nf or med and/ or
was
i t di scl osed i n t he cont r act t hat t hi s asset
was
goi ng t o be r ai sed?
14 .
I s
i t
pl ai nt i f f ' s
pol i cy
t o r et ur n and/ or
r ef und
t he
asset
t o
def endant af t er t he
l i abi l i t y
ceases t o exi st ?
15. Was t her e an account i n exi st ence pr i or t o your r ecei pt of def endant ' s al l eged si gnat ur e on
t he
al l eged agr eement , or t o your
r ecei pt
of def endant ' s al l eged si gnat ur e onsome ot her
f or mof negot i abl e i nst r ument , t hat was used t o f und def endant ' s al l eged cr edi t account ?
a.
I f
t he answer
i s
YES,
what was t he bal ance of sai d account ont he dat e
pl ai nt i f f al l egedl y
i ssued
cr edi t
t o def endant ?
b. I f t he answer i s NO, was a secur i t y i nst r ument or a pr omi ssor y not e used
by pl ai nt i f f t o est abl i sh an account f or def endant ?
16. What per cent of t he cr edi t i ssued t o def endant
was a
r esul t
of money obt ai ned f r om
banks?
17. I s t he al l eged cr edi t pl ai nt i f f i ssued t o def endant wi t hi n t he power s t hat ar e gr ant ed
t o
pl ai nt i f f by l aw? I f yes, pr ovi de sai d pr oof .
18 . I s t he cr edi t pl ai nt i f f i ssued t o def endant aut hor i zed by pl ai nt i f f s char t er ? I f
yes, pr ovi de
such pr oof .
19. I s t he cr edi t
pl ai nt i f f i ssued t o def endant sanct i oned by t he shar ehol der s of pl ai nt i f f ? I f
yes, pr ovi de such pr oof .
20. Does t he cr edi t pl ai nt i f f i ssued t o def endant const i t ut e a sumof money, as def i ned
by
l aw?
14 . Pl ai nt i f f admi t s t o each and ever y al l egat i on set f or t h i n def endant ' s count er cl ai m.
DEFENDANT
'
S FI RSTREQUESTFORI NTERROGATORI ES
ANDADI vUSS10NS, ANDPRODUCTI ON
OFDOCUMENTS
4of 7
22. Li st t he cor r ect names and addr esses of al l wi t nesses f or t he pl ai nt i f f t hat wi l l t est i f y at a
t r i al of t hi s act i on.
23. Pr ovi de a summar yof t he expect ed t est i mony of each
wi t ness pl ai nt i f f expect s
t o
t est i f y
at a
t r i al
of t hi s act i on.
24. Does counsel namedas r epr esent at i ve f or pl ai nt i f f r egul ar l y col l ect or
at t empt
t o
col l ect ,
di r ect l y or i ndi r ect l y, debt s
owed
or due
or
asser t ed t o be
owed
or
due
t o
anot her ?
REQUESTFORADMI SSI ONS
1 . Pl ai nt i f f i s a cor por at i on t hat i s not aut hor i zed by cor por at e char t er power s t o
per f or mt he
f unct i ons of
a
banki ng i nst i t ut i on.
2. Acor por at e char t er or a document cont ai ni ng t he cor por at e char t er power s of / f or pl ai nt i f f
exi st s.
3. Pl ai nt i f f has not execut ed t he/ a power of at t or ney t o pl ai nt i f f s counsel i n t hi s mat t er .
4. Pl ai nt i f f does
not
have
aut hor i t y speci f i ed i n pl ai nt i f f s cor por at e char t er power s
t o
i ssue
cr edi t .
5. Pl ai nt i f f r ecei ved t he Not i ce of Faul t and Cur e, and t he Not i ce of Def aul t sent by def endant
t o
pl ai nt i f f
.
6. Pl ai nt i f f f ai l ed t o r espond t o t he Not i ce of Faul t and Cur e, and t he Not i ce of Def aul t sent by
def endant t o pl ai nt i f f .
Pl ai nt i f f agr eed, by acqui escence, t o t he t er ms and condi t i ons of
t he
Not i ce
of
Faul t
and
Cur e, and t he Not i ce of Def aul t sent by def endant t o pl ai nt i f f .
8 . Pl ai nt i f f l ent cr edi t t o def endant .
9. Pl ai nt i f f never l ent money t o def endant .
10.
No
money was used t o f und t he account cr eat ed by pl ai nt i f f t o i ssue cr edi t f r om.
11
. Pl ai nt i f f r ai sed an asset f or
i t sel f
when
i t i ssued t he cr edi t t o def endant .
12. Pl ai nt i f f does not have a wi t ness or af f i ant wi t h f i r st - hand knowl edge
of
t he
execut i on of an
i nst r ument bet ween pl ai nt i f f and def endant .
13. Pl ai nt i f f has agr eed by acqui escence af t er pr oper not i ce
t o def endant ' s t er ms i n def endant s
Not i ce of Di sput e of Al l eged Debt .
Cer t i f i ed
copi es of
t he
ent i r e or i gi nal al l eged agr eement and t he or i gi nal i nst r ument s and
al l document at i on wi t h al l al l eged si gnat ur es t hat
maymake def endant l i abl e f or any
al l eged debt t hat def endant mayowe t o pl ai nt i f f , or anyone
pl ai nt i f f wor ks
f or
or
r epr esent s .
Sof 7
DEFENDANT' SFI RSTREQUESTFORI NTERROGATORI ES
ANDADMI SSI ONS, ANDPRODUCTI ONOFDOCUMENTS
15. Counsel named as r epr esent at i ve of pl ai nt i f f i s act i ng wi t hout t he speci f i c aut hor i t y, di r ect
knowl edge, super vi si on, r egul ar communi cat i on wi t h or consent of pl ai nt i f f i n
t hi s
mat t er
.
16. Counsel named
as
r epr esent at i ve
of pl ai nt i f f i s
a
debt col l ect or .
17. Counsel named as r epr esent at i ve of pl ai nt i f f has f ai l ed t o pr ovi de t o def endant
ver i f i cat i on
of
t he al l eged debt .
REQUESTFOR
DI SCLOSURE
OFDOCUMENTS
Def endant
r equest s pr oduct i on
of t he f ol l owi ng document s whi ch ar e i n t he possessi on of
pl ai nt i f f , and i naccessi bl e t o def endant . Each document wi l l be used as evi dence, and i s di r ect l y
r el evant t o def endant ' s def ense, and cont ai ns evi dence t hat wi l l cl ear l ysubst ant i at e
def endant ' s
def ense
.
Def endant has pr evi ousl yr equest ed l , 2,
3,
4, 5, 6, 7, and
8,
and t he hol der of sai d
document s has f ai l ed t o pr oduce t hem. Document s 1 and
2
wer e r equest ed f r omt he Compt r ol l er
of t he Cur r ency, and sai d agencywi l l not pr oduced r equest ed document s.
1 . Acer t i f i ed copy
of
pl ai nt i f f ' s cor por at e
char t er .
2. Acer t i f i ed copyof t he or i gi nal document or i nst r ument cont ai ni ng and speci f yi ng
pl ai nt i f f s
cor por at e char t er power s.
Acer t i f i ed copyof pl ai nt i f f s or i gi nal cer t i f i cat e of aut hor i t y t o do busi ness i n t he st at e
of
Geor gi a.
Acer t i f i ed copy
of
pl ai nt i f f s
or i gi nal cer t i f i cat e of aut hor i t y t o do busi ness i n t he uni t ed
St at es of Amer i ca.
Acopyof pl ai nt i f f s l i cense t o do busi ness i n t he st at e of Geor gi a.
6. Acer t i f i ed copy
of
t he
or i gi nal document (s) t hat pl ai nt i f f consi der s t he ent i r e pr omi ssor y
not e .
c/ o 5077 Tanaga Ct .
DEFENDANT' S FI RST REQUEST FORI NTERROGATORI ES
ANDADWI I SSI ONS, ANDPRODUCTI ON
OF
DOCUMENTS
7of7
CERTI FI CATEOF MAI LI NG
I
certi fy that a true and correct copy of the
foregoi ng DEFENDANT' S FI RST REQUEST
FORI NTERROGATORI ES ANDADMI SSI ONS, ANDPRODUCTI ONOF DOCUMENTS,
were forwarded, thi s the -~_day of 2003,
postage
prepai d, vi a
U. S. Mai l ,
Certi fi ed
Return
Recei pt Requested, to the fol l owi ng counsel of record:
1655 Enterpri se Way
Mari etta, GA30067
f ~i LC
I f i
Gi ~~l ; i
LTF
; 1
I NTHESTATECOURT OF GWI NNETT CdTf l V' Fl t ' '
STATEOF GEORGI A
I f i ng
CI VI L ACTI ONNO. : 03- C04776- 5
Def endant .
435 F. Supp. 725,
733.
DI SPUTEANDDEMANDFORVERI FI CATI ONOF DEBT I of 10
Pl ai nt i f f ,
v.
THOMASJ. LAWLER
J J i N
13
F, ' 1 4:
43
; ~-
i
AV
. ~
. _ , _
, I . . r ~R~t
NOTI CEOF DI SPUTEANDDEMANDFORVERI FI CATI ONOF ALLEGEDDEBT
CONI ESNOW, Thomas J ohn Lawl er , sui j ur i s, named as def endant i n t he above ent i t l ed
act i on, t o wi t :
J UDI CI AL NOTI CE
Al l of f i cer s of t hi s cour t whomany come i n cont act
wi t h t hi s mat t er
ar e
her eby
NOTI CEDpur suant t ot he aut hor i t y of st at e of Geor gi a codes, r ul es of cour t , and r ul es of ci vi l
pr ocedur e, and t he equal pr ot ect i on and supr emacy
cl auses of t he Const i t ut i on of t he Uni t ed
St at es of Amer i ca, t hat t hi s and al l f ut ur e pl eadi ngs be l i ber al l y const r ued, Hai nes vKer ner , 404
US519; 30 L. Ed
2d 652
; 92
S. Ct .
594 ( 1972) , and
Pl at sky
v
C. I . A. 953 F. 2d. 25; and,
Thi s Cour t must obser ve t he r ul e of pr ecedent , Anast aso, J j - v.
Uni t ed
St at es, 223 Fad
898
( 8' hCi c2000) ; Uni t ed St at es v.
I nt er nat i onal Busi ness Machi nes Cor p
. ,
517 U. S. 843, 856
( 1996) , quot i ng Pnyne v. Tennessee, 501 U. S. 808, 842 ( 1991) , Dor sey v. Sol omon, D. C. Md. ,
"Or di nar i l y
a t ender t o
t he
adver se par t y or what i s equi val ent t her et o, of
what ever may have been r ecei ved under a voi dabl e cont r act , i s necessar y t o ef f ect
a r esci ssi on; but , as has been poi nt ed out , pl ai nt i f f s evi dence
t ended
t o
showt hat
as t o
t he al l eged
cont r act
of
r el ease
t her e
had never been a meet i ng of mi nds,
consequent l y i t was voi d, never i n t act exi st ed. I f t hat be t r ue, no t ender was
necessar y. McCoy v. McMnhon Const .
Co . ,
supr a. "
Rnu
v.
Rober t son, 260 S. W.
751 ( 1924)
DI SPUTEANDDEMANDFORVERI FI CATI ONOF
DEBT 2 of 10
NOTI CE
t hat t hi s
i s not
a r ef usal t o pay, but NOTI CEt hat t hi s al l eged debt i s di sput ed as
not val i d and your cl ai mi s di sput ed. Pl ai nt i f f has f our t een ( 14) t o r epl y t o t hi s demand
f or
ver i f i cat i on, or a def aul t j udgment may be ent er ed agai nst you.
The
al l eged
account r ef er r ed t o i s i n di sput e
wi t h
BANKOF
AMERI CACORPORATE
CENTER. Def endant has sent sever al not i ces t o BANKOFAMERI CACORPORATE
CENTER
i n
an at t empt t o r esol ve t hi s di sput e. Banks
and Banki ng i nst i t ut i ons ar e
i nst r ument al i t i es of t he Feder al Gover nment , and ar e t her ef or e bound t o exhaust t he st at ut or y
r equi r ement s of Admi ni st r at i ve Pr ocess pr i or t o i ni t i at i ng l i t i gat i on. HANKOFAMERI CA
CORPORATE
CENTERhas f ai l ed t o exhaust t he Admi ni st r at i ve Pr ocedur e. BANKOF
AMERI CACORPORATECENTERhas f ai l ed t o pr esent t he document s r equest ed dur i ng t he
admi ni st r at i ve pr ocedur e, and f ai l ed
t o
pr oduce any subst ant i al evi dence t hat BANKOF
AMERI CACORPORATECENTERexi st s as a f r anchi se or cor por at e body under t he l aws of
any aut hor i t y, and BANK
OF
AMERI CACORPORATECENTER
al so f ai l ed t o pr oduce any
subst ant i al evi dence t hat BANKOFAMERI CACORPORATECENTERhas aut hor i t y t o l end
or i ssue
i t s
cr edi t
.
i s at t empt i ng t o col l ect an al l eged debt t hat
does
nut exi st , nor
di d i t ever exi st .
by si l ence' [ . ] " ) ; see al so 12 Am. J uc 2d Boundari es 85 ( 1997) ( st at i ng boundary by
DfSPUTEANDDEMANDFORVERI FI CATI ONOFDEBT 3of10
Defendant demands
present veri fi cat i on of t he al l eged debt , and t he document ary
evi dence showi ng t he fact ual basi s and l egal st andi ng for ' s cl ai mfor payment of a purport ed
debt l i abi l i t y cont ai ned
wi t hi n t he
compl ai nt
referenced above, t o wi t :
Veri fi cat i on of ' s ri ght as a debt col l ect or t o
col l ect
t hi s purport ed
debt by provi di ng
veri fi cat i on
of debt
and copi es of al l agreement s of assi gnment , novat i on, or t ransfer of
ri ght s, or ot herwi se, and st at e whet her i s t he current owner, assi gnee, hol der, or hol der i n
due course t o t he above referenced account , wi t h evi dence t o support sai d st at ement s .
2.
Veri fi cat i on of t hi s purport ed
debt by provi di ng t he veri fi cat i on and copy of al l rel at i ve
commerci al i nst rument s and/ or cont ract s cont ai ni ng Thomas Lawl er' s si gnat ure, and t he
evi dence of an exchange of a benefi t or det ri ment ; and/ or t he seri es of ext ernal act s
gi vi ng t he obj ect i ve sembl ance of agreement ; and/ or
ot herwi se
bet ween
and Thomas
Lawl er, t hat rel i es upon i n maki ng ' s presumpt i ve cl ai m.
Thomas Lawl er expect s a response t o t hi s request for i nformat i on, veri fi cat i on, and
di scl osure
and
di scovery wi t hi n a
reasonabl e peri od of
t i me, whi ch under
t he ci rcumst ances
shoul d be wi t hi n fourt een ( 14) days of recei pt t hereof, not count i ng day of servi ce.
I n t he
event
t hat fai l s t o respond t o
t hi s
request
for
val i dat i on
and
veri fi cat i on of t he
al l eged debt wi t hi n t he t i me l i mi t for response, t aci t l y agrees, st are deci ses, res j udi cat a, t hat has
no bona vi de veri fi abl e cl ai mt o t hi s al l eged account , t hat t aci t l y admi t s
t he
st at ement s
and
assumpt i ons of Thomas Lawl er are t rue and accurat e . " We have al so recogni zed t hat si l ence or
acqui escence i n a cont ract for any consi derabl e
l engt h of
t i me
amount s t o rat i fi cat i on
.
Ki nkead
v. Uni on Nnuona! Bank, 51 Ark. App. 4, 907 S. W. 2d 154 ( 1995) " Brenda COLEMAN,
et
al . v.
Agues COLEMAN, et al . CA97- 11 S. W. 2d Court of Appeal s of Arkansas . ' s fai l ure t o respond
wi t hi n t he t i me l i mi t for response
i s al so
t aci t agreement t hat
no val i d or bona fi de debt exi st s . "
. . mut ual acqui escence, may be est abl i shed by si l ence. See Lane v. Wal ker, 29 Ut ah 2d
119, 505
P. 2d 1
199,
1200 ( 1973)
( " ' Acqui escence' i s
more
nearl y synonymous wi t h ' i ndol ence, ' or ' consent
"Brennan mai nt ai ns, however, t hat t here was no vi ol at i on of t he FDCPAbecause
he "sent adequat e veri f i cat i on of
t he
debt [ t o
Spears]
i n t he
Oct ober 30, 1996
not i ce
of
cl ai m. " Bri ef of
Appel l ee at 13 .
Speci f i cal l y,
Brennan cl ai ms t hat a
copy of t he consumer credi t cont ract bet ween Spears and Ameri can General
at t ached t o t he not i ce of cl ai mprovi ded suf f i ci ent veri f i cat i on of t he debt wi t hi n
t he meani ng of I S L J . S . C. A. 1692g( 6) . We cannot agree.
4 o( I O DI SPUTE
AND
DEMAND
FORVERI FI CATI ON
OFDEBT
acqui escence "may be shown by . . . [ adj oi ni ng propert y owner' s]
si l ence) . " Sal i nas v. Pi ggol t ,
Case No. 20000027- CA, Fi l ed May 3, 2001 I NTHEUTAHCOURTOFAPPEAL S.
The
def i ni t i on
of
"veri f y" i s
as f ol l ows: "To conf i rmor subst ant i at e by oat h or af f i davi t .
Part i cul arl y used of maki ng f ormal oat h t o account s, pet i t i ons, pl eadi ngs, and
ot her papers . The
word ` veri f i ed, ' when used i n a st at ut e, ordi nari l y
i mport s
a
veri t y at t est ed by t he sanct i t y of an
oat h
. I t i s f requent l y used i nt erchangeabl y wi t h ` sworn. "' Bl ack' s L awDi ct i onary, 6t h edi t i on
Thomas L awl er gi ves NOTI CEof t he f ol l owi ng pursuant t o L awas
codi f i ed
at 15
U. S . C. A
.
I 692g( b) :
"I f
t he
consumer not i f i es t he debt col l ect or i n wri t i ng wi t hi n t he t hi rt y- day
peri od descri bed i n subsect i on ( a) t hat t he debt , or any port i on t hereof , i s di sput ed, or t hat t he
consumer
request s
t he name and address
of
t he ori gi nal credi t or, t he debt col l ect or shal l cease
col l ect i on of t he debt , or any di sput ed port i on t hereof , unt i l t he
debt
col l ect or
obt ai ns veri f i cat i on
of t he debt or any copy of
a j udgment ,
or t he name and address of t he ori gi nal credi t or, and a
copy of such veri f i cat i on orj udgment , or name and address of t he ori gi nal credi t or, i s mai l ed t o
t he
consumer
by t he
debt
col l ect or
. "
i s f urt her Not i ced t hat t hi s i s not a request by Thomas L awl er f or an unveri f i ed
phot ocopy of any
i nvoi ce,
st at ement ,
bi l l ,
summary,
agreement wi t hout
bona f i de si gnat ure or
ot herwi se. Fut ure correspondence by t o Thomas L awl er of ot her t han t he requi red "veri f i cat i on
of
t he debt " wi l l be ' s t aci t admi ssi on and agreement , and conf essi on
t hat
has not
bona f i de
veri f i abl e cl ai mt o t hi s account .
c/ o
5077
Tanaga
Ct .
Stone Mountai n, Georgi a
30087
DI SPUTEANDDEMANDFORVERI FI CATI ONOFDEBT 5
of
10
The contract i n no way provi des suf f i ci ent veri f i cati on of the debt . " Greg
A.
Spears Appel l ant- Pl ai nti f f vs. Ti mothy
L.
Brennan, Appel l ee- Def endant,
Court of
Appeal s
of
I ndi ana,
No.
49A02- 0003- CV- 169 ( 2001)
" that a l ender must pl ace i n evi dence account general
l edgers
and
cannot gi ve
mere opi ni on evi dence, such as i n af f i davi ts i n support of summary j udgment
moti ons, merel y attesti ng to what the l enders records show[
. ] "
We agree.
HRCP
Rul e 56 requi res that f acts set f orth i n
the
af f i davi ts be
admi ssi bl e i n evi dence. Al l
papers ref erred to i n the af f i davi ts must al so be attached and sworn to
or certi f i ed.
These requi rements are mandatory. As we
poi nted out
. . .
[, ]
mere
statements i n
af f i davi ts do not authenti cate exhi bi ts ref erred to unl ess these exhi bi ts are sworn
to or certi f i ed. Paci f i c Concrete Fed. Credi t Uni on, 62 Haw. at 336- 37, 614 P. 2d
at 938. GECapi tal Hawai i , I nc. v. Yonenaka 25 P. 3d 807, 96 Hawai i 32
Pl ai nti f f s f ai l ure to sati sf y thi s request wi thi n the requi rements of Lawas codi f i ed i n the
Fai r Debt Col l ecti on Practi ces Act, 15 U. S . C. A. 1692 and the equi val ent state Laws, i s
pl ai nti f f s taci t agreement to def aul t of any and al l cl ai ms agai nst def endant.
Thi s i s
an attempt to determi ne standi ng and
cause
of acti on
f or
a
l awsui t
and/ or
countercl ai m. I nf ormati on obtai ned, i ncl udi ng that gai ned
by
pl ai nti f f ' s,
and/ or attorney named
as counsel f or pl ai nti f f s commi ssi on or omi ssi on, wi l l be used as evi dence f or that purpose.
Dated
thi ~day,
of
the
month
of
~
2003
5. Di d pur chase t hi s al l eged account f r oma pr evi ous debt col l ect or ? I f YES, what
was t he dat e of pur chase andt he pur chase amount ?
DI SPUTEANDDEMANDFORVERI FI CATI ONOFDEBT
6of 10
DEBTCOLLECTOR'SSTATEMENTOF
VERI FI CATI ON
Thi s
i s
a r equest f or ver i f i cat i on made pur suant t o Law, whi ch i s codi f i ed as t he
Fai r Debt Col l ect i on Pr act i ces Act at 15 USC 1692 et seq. , whi ch st at es i n r el evant par t
t hat , "Adebt col l ect or maynot use
any
f al se,
decept i ve, or mi sl eadi ng r epr esent at i on or
means i n connect i on wi t h t he col l ect i on of anydebt " whi ch i ncl udes "t he f al se
r epr esent at i on of t he char act er , or l egal st at us of
any
debt "
and
"t he t hr eat
t o
t ake
any
act i on t hat cannot l egal l y be t aken" al l of whi ch ar e vi ol at i ons of Law. I f pl ai nt i f f , and/ or
at t or ney namedas counsel f or pl ai nt i f f does not r espondas r equi r ed byLaw, pl ai nt i f f ,
and/ or at t or ney namedas counsel f or pl ai nt i f f maybe l i abl e f or damages f or cont i nued
col l ect i on.
Def endant DEMANDSt he f ol l owi ng answer s, i nf or mat i on, anddocument s as
ver i f i cat i on of debt , t o compl y wi t h 15 U. S. C. A. 1692. Thesequest i ons ar e not
i nt er r ogat or i es
.
Al l answer s, i nf or mat i on, anddocument s ar e
i nt ended
t o be of f er ed f or
admi ssi on as evi dence.
Upon f ai l ur e of
pl ai nt i f f
t o compl et e and r et ur n t hi s ver i f i cat i on of debt , pl ai nt i f f
t aci t l yagr ees t hat pl ai nt i f f has nn bona f i de ver i f i abl e cl ai mt o t hi s account , andpl ai nt i f f
gi ves t aci t agr eement t o
wai ve
al l cl ai ms agai nst t he
def endant named
her ei n.
Who i s t he cur r ent owner of t hi s al l eged debt ?
What i s
t he dat e
t hi s
al l eged
debt became payabl e t o?
What i s t he amount of al l eged debt owed?
4.
Di d
pur chase t hi s account
f r om
t he or i gi nal al l eged cr edi t or ? I f YES, what was
t he dat e of pur chase andt he amount of pur chase amount ?
20. Does t her e exi st aver i f i abl e commer ci al i nst r ument ( s) bet ween and Thomas
Lawl er t hat
cont ai ns Thomas Lawl er ' s bonaf i de si gnat ur e? I f YES, what i s t he
nat ur e and cause of t hi s ver i f i abl e commer ci al i nst r ument ?
I f
YESt o
quest i on
#20, al so pr ovi deacer t i f i ed copy of
sai d
commer ci al
i nst r ument ( s) .
DI SPUTEANDDEMANDFORVERI FI CATI ONOFDEBT 7oF10
6. r ecei ved t he t r ansf er of r i ght s t o t hi s al l eged account by whi ch of t he f ol l owi ng
met hods:
a) assi gnment b) negot i at i on c)
novat i on
d) pur chase e)
ot her - expl ai n
7. What ar e t he t er ms of t he t r ansf er of r i ght s t o t hi s al l eged account ?
8.
I n
r egar d t o
t hi s
al l eged
account ,
i s cur r ent l y t he:
a) owner b) assi gnee c) hol der d) hol der i n duecour se e) ot her - expl ai n
9. Has or wi l l gi ve consi der at i on t o t he owner / pr evi ous owner of t hi s al l eged
account f or t he t r ansf er of r i ght s t o t hi s al l eged account ?
10. What i s t he nat ur e andcauseof t hi s consi der at i on r ef er r ed t o i n quest i on #9?
11. I f t he t r ansf er of r i ght s t o t hi s al l eged account wasbynegot i at i on, was t heaccount
t aken f or val ue?
12. What i s t he nat ur e andcauseof t hi s val uer ef er r ed t o i n quest i on #l I ?
13 .
I f t he t r ansf er
of
r i ght s
t o t hi s
al l eged
account was by novat i on, was consent
gi ven
by ThomasLawl er ?
14. What i s t he nat ur e andcauseof t hi s consent r ef er r ed t o i n quest i on #13?
15.
Di d
Thomas
Lawl er ever consent t o or r equest t he assi gnment , and/ or t r ansf er ,
and/ or novat i on of t he
al l eged
account
t o ?
16. I s awar e t hat Thomas Lawl er has di scover ed t hat t he al l eged account wi t h t he
or i gi nal al l eged cr edi t or i s f r audul ent ?
17. I s awar e t hat t he di sput e wi t h t he or i gi nal al l egedcr edi t or i s st i l l i n di sput e?
18. Does have knowl edge
of
any
cl ai m( s) or def ense( s) t o t hi s al l eged account ? I f
YES, what i s t he nat ur e andcauseof t he cl ai m( s) or def ense( s)
t o
t hi s
account ?
19. Wer e
t her e
any pr oduct s or ser vi ces sol d by t o Thomas Lawl er ? I f YES, what i s
t hespeci f i c nat ur eandcauseof t hesepr oduct s or
ser vi ces?
a. Regardi ngyour answers t o quest i ons anddocument s provi ded,
are you
wi l l i ngt o
st at e
under
Oat h
t hat al l your
answers are t rue andcorrect ?
I f
your answer i s "No" t han st at e whi ch quest i ons, answers, and
document s
you
are unwi l l i ngt o veri f y
under Oat h are t rue andcorrect
andyour reasons
why.
DI SPUTEANDDEMANDFORVERI FI CATI ONOFDEBT
80(10
21.
Does t here
exi st
veri f i abl e
evi dence
of an
exchange of
a
benef i t
or
det ri ment
bet ween and Thomas Lawl er? I TYES, what i s t he nat ure and cause of t hi s
evi dence of an exchange of a benef i t or det ri ment ? I f YESt o quest i on #21, al so
provi deevi dence of sai d exchange.
22. Has gi ven or sol d t o Thomas Lawl er any benef i t s or servi ces? I f YES, what
i s/ are t he nat ure of sai d benef i t s or servi ces? I f YESt o quest i on #22, provi de
proof
of sai d benef i t s or servi ces.
23. Does t here exi st any veri f i abl e ext ernal act (s) gi ven t he obj ect i ve sembl ance of
agreement bet ween andThomas Lawl er? I f YES, what i s t he nat ure andcauseof
t hi s ext ernal act (s) gi vi ng t he obj ect i ve sembl ance of agreement ? I f yes t o
quest i on
#23, provi deproof of sai d agreement
.
24. Di dThomas Lawl er ever sol i ci t f or i t s busi ness?
25. Has
Thomas Lawl er
ever
pai d movi es or t ees t o ?
I f
YES, proof
of
payment (s) .
26. Have any charge- of f s been made by any credi t or or debt col l ect or regardi ng
t hi s
account ? I f YES, when were t he charge- of f s made?
27. Have any i nsurance cl ai ms
been made by
any
credi t or or debt col l ect or regardi ng
t hi s account ? I f YES, when were t he i nsurancecl ai ms made?
28. Have any t ax wri t e- of f s been made by any credi t or or debt col l ect or regardi ngt hi s
account ? I f YES, whenweret he t ax wri t e- of f s made?
29. Have any t ax deduct i ons been made by any credi t or or
debt
col l ect or
regardi ng
t hi s account ? I f YES, whenwere t he t ax deduct i ons made or t aken?
30. Have
anyj udgment s or awards been obt ai ned by any credi t or or debt col l ect or
regardi ng t hi s account ? I f YES, pl ease provi de a
copy of
t he
j udgment s or
awards.
Bei ng dul y sworn i n Oat h, I af f i rmt hat t he answers I have gi ven t o t hese request s f or
admi ssi ons are t rue
and
correct ,
t o
t he best
of
my knowl edge and bel i ef .
Dat e
DI SPUTEAHDDEMANDFOR
VERI FI CATI ONOFDEBT 90f 10
Si gnat ure of represent at i ve of
pl ai nt i f f
J
Thomas John Lawl er
5077 Tanaga Ct.
DI SPUTE ANDDEMANDFORVERI FI CATI ONOF DEBT' 10 of
10
CERTI FI CATE OF MAI LI NG
I certi f y that a true
and correct copy of the f oregoi ng ANSWER, DEFENSES,
AFFI RMATI VE
DEFENSES, ANDCOUNTERCLAI M; VERI FI CATI ONOF
ANSWER, DEFENSES, AFFI RMATI VE DEFENSES,
ANDCOUNTERCLAI M;
and,
attached
were
f orwarded, thi s the ~day of l ] =,
2003,
postage prepai d, vi a U. S.
Mai l ,
Certi f i ed
Return Recei pt Requested, to the f ol l owi ng
counsel of record:
Frederi ck J. Hanna
1655
Enterpri se Way
Mari etta, GA30067
. "11
. . rI ~
I I I
~' ~Cl
t
j l r
. t i l b . . . ~
I N THESTATE
COURTOF GWI NNEi
STATEOF GEORGI A
2003 J UN
13
P f 1 4 : 43
BANKOF AMERI CA, N. A. <USA> )
P l ai nt i f f ,
)
v. )
1
THOMAS J . LAWLER )
1
Def endant . )
CI VI L ACTI ON NO. :
03- C04776- 5
J UDI CI ALNOTI CE
P age 1 of 6
J UDI CI AL NOTI CE
COMES NOW, One, Thomas J ohn Lawl er, sui j uri s,
named def endant i n t he
mat t er at hand, t o wi t :
Al l of f i cers of t hi s court who many come i n cont act wi t h t hi s
mat t er
are hereby
NOTI CEDpursuant
t o
t he aut hori t y
of st at e of Georgi a codes, rul es of court , and rul es
of ci vi l procedure, and t he equal prot ect i on and supremacy cl auses of
t he
Const i t ut i on
of t he Uni t ed
St at es of
Ameri ca,
t hat t hi s and al l f ut ure pl eadi ngs be l i beral l y const rued,
Hai nes v Kerner, 404 US519; 30 L. Ed 2d 652 ; 92 S. Ct . 594 ( 1972) , and P l at sky v C. I . A.
953 F. 2d. 25; and,
Thi s Court
must
observe t he
rul e of precedent , Anast asof f v. Uni t ed St at es, 223
F. 3d 898 ( S1" Ci r. 2000) ; Uni t ed St at es v. I nt ernat i onal Busi ness
Machi nes
Corp. , 517
U. S. 843, 856
( 1996) , quot i ng P ayne v. Tennessee, 501 U. S. 808, 842 ( 1991) , Dorsey
v. Sol omon, D. C. Md. , 435 F. Supp. 725, 733 .
1 .
Al l of f i cers
of t hi s court
who many come i n cont act wi t h t hi s mat t er are
hereby NOTI CEDt hat t hi s and al l f ut ure pl eadi ngs be l i beral l y const rued
and consi dered pursuant t o
t he aut hori t y
of st at e of
codes, rul es
of court ,
at t or neys ;
J UDI CI AL NOTI CE
Page 2 of 6
and r ul es of c i vi l pr oc edur e, and t he under aut hor i t y of t he supr emac y
c l ause of Ar t i c l e VI , and equal pr ot ec t i on c l ause
of Amendment XI V of t he
Const i t ut i on of
t he Uni t ed St at es of Amer i c a, and t he c ommon l aw
aut hor i t i es of :
2. Anast aso( f v . Uni t ed St at es, 223 F . 3d 898 ( 8t h Ci r . 2000) , r e Anast asof f . ~
Li t i gant s' c onst i t ut i onal r i ght s ar e vi ol at ed
when
c our t s
depar t f r om
pr ec edent wher e par t i es ar e
si mi l ar l y
si t uat ed
. Al l l i t i gant s have
a
c onst i t ut i onal r i ght t o have t hei r c l ai ms adj udi c at ed ac c or di ng t he r ul e of
pr ec edent ;
3.
Uni t ed
St at es
v. I nt er nat i onal Busi ness Mac hi nes Cor p. , 517 U. S. 843,
856 ( 1996) , quot i ng Payne
v. Tennessee,
501
U. S.
808,
842 ( 1991) ,
r e
Uni t ed St at es : a depar t ur e f r ompr ec edent must be suppor t ed by some
' spec i al j ust i f i c at i on' ;
4. Dor sey v. Sol omon, D. C. Md. , 435 F. Supp. 725, 733, r e Dor sey: si mi l ar l y
si t uat ed per sons must r ec ei ve si mi l ar t r eat ment under l aw;
5. Tr i nsey v. Pagl i ar o, D. C. Pa. 1964, 229 F . Supp. 647, r e Tr i nsey.
St at ement s of c ounsel , i n t hei r br i ef s or t hei r ar gument s ar e not suf f i c i ent
f or a mot i on t o di smi ss or f or summar y j udgment .
6.
And
" l i ber al l y c onst r ued" under t he " Ker ner Doc t r i ne" , Hai nes v Ker ner ,
404 US 519; 30 L. Ed 2d 652; 92 S. Ct . 594 ( 1972) ,
r e
Hai nes: pr o
se
l i t i gant s
hel d t oo l ess st r i ngent pl eadi ng st andar ds t han bar l i c ensed
6 ~ z Z' 4~ ~ ~
5077
Tanaga
Ct .
J UDI CI AL NOTI CE
Page 3of 6
7. Pl atsky v C. l . A. 953 F . 2d. 25, re Pl atsky: court errs i f court di smi sses the
pro
se
l i ti gant
wi thout
i nstructi on of
how
pl eadi ngs are
def i ci ent
and how
to
repai r pl eadi ngs.
8. Thi s court i s al so noti ced on the f ol l owi ng poi nt of l aw: Prevai l i ng party on
def aul t j udgment of l i abi l i ty must sti l l prove damages, Ameri canRed Cross
v. Communi ty Bl ood
Center
of
the Oz arks,
257 F
. 3d
859
( 8' "
Ci r .
07/ 25/ 2001) ; U. S. C. A. Const . Amend. 5 - Tri ad Energy Corp. v. McNel l
110 F. R
. D.
382 ( S. D
. N
. Y . 1986 ) ; Federal Rul es of Ci vi l Procecure, Rul e
6 0( b) ( 4)
; 28
U. S. C
. A. ;
Kl ugh
v.
U. S. , 6 20 F . Supp. 892 ( D. S. C. 1985) ;
State v. Bl ankenshi p 6 75 N. E. 2d 1303, ( Ohi oApp. 9 Di st . 1996 ) ; Graf f v.
Kel l y, 814P. 2d 489( 0k1. 1991) ; Capi tal Federal Savi ngs
Bank
v.
Bewl ey,
795 P. 2d 1051 ( 0k1. 1990) ; Com. V. Mi l l er, 150 A. 2d 585 ( Pa. Super .
1959) ;
and
Rai der
v.
Sonotone Corp. 422 US330, ( 1979) .
Dated thi s day, of the montho ~ . ~
12003
5077 Tanaga Ct .
J UDI CI AL NOTI CE
Page 4 of 6
VERI FI CATI ONOF Thomas J ohn Lawl er
I , Thomas J ohn Lawl er, amof the age of maj ori ty and competent to make thi s
veri f i cati on and decl are as f ol l ows:
1 . I amnamed as the def endant i n the above- enti tl ed matter and
have f i rst hand knowl edge of events
f i l ed i n thi s matter ;
2 . I have read the f oregoi ng J UDI CI AL NOTI CE, and knowthe
f acts therei n stated to be
true and correct ;
3. I decl are, under penal ty of perj ury, pursuant to the Laws of the
Uni ted States of Ameri ca that the f oregoi ng i s true and correct
to the best of my current knowl edge and bel i ef .
Executed on thi s day,
of
the
month of 2003,
at
the
ci ty of
at the state o~~~~
Cwt"
Thomas J ohn Lawl er^
5077 Tanaga Ct.
Page 6 of 6 J UDI CI AL NOTI CE
CERTI FI CATE OF MAI LI NG
I
certi f y that a true and correct copy of
the
f oregoi ng
J UDI CI AL NOTI CE was
f orwarded, thi s the day of 2003, postage prepai d, vi a U. S.
Mai l , Certi f i ed Return Recei pt Requested, to the
f ol l owi ng counsel
of
record:
Crai g R. Goodman LawOf f i ces, LLP
Crai g R. Goodman
POBox 450809
Atl anta, Georgi a 31145
i
. ' l
~Ri S
Ci vi l Acti on No. : 03- C04776- 5
Def endant
7. On, or about, 12/ 10/ 2002, 1 r equested f r omBANKOF AMERICA CORPORATE
CENTER cl ar i f i cati on of ,
andspeci f i c i nf or mati on r el ati ng to thei r author i zati on to i ssue
cr edi t, and/ or cor r ecti on of mydi scover yi n the event
of myer r or
.
AFFIDAVIT
OF
MATERIAL
FACTS I
of
3
FILED
! r a
0FFi cE
~c~,
L
r ~ r r
; K;
: nr 1
INTHESTATECOURTOFGWINNETTCbUl V~T3'
STATE
OF
GEORGIA
203
J UN
13
PM
4:
44
BANKOFAMERICA, N. A. <USA>
Pl ai nti f f
VS.
THOMAS J LAWLER,
Af f i davi t of Mater i al Facts of Thomas J ohn Lawl er
Thi s af f i davi t of mater i al f acts f r ames myr el ati onshi p to banki ng and banki ng i nsti tuti on l aws of
the Uni ted
States, as
I
under stand them.
It
i s i ntended to
compl y
wi th andsati sf yr equi r ements of
Geor gi astate l aw, state of Geor gi a and Feder al Rul es of Ci vi l Pr ocedur e andstate of Geor gi a
and Feder al Rul es of Evi dence and ther ef or e qual i f i es as testi mony. I have per sonal knowl edge
of f acts set f or th her ei n. Decl ar ati ons of r el evant andmater i al f act ar e as f ol l ows :
Myname i s Thomas J ohn Lawl er ; I amal i vi ng soul , andamor al bei ng endowed wi th
unal i enabl e r i ghts to l i f e, l i ber tyandpr oper ty, andal l substanti ve r i ghts secur ed bythe
Consti tuti on of the Uni ted States andtheConsti tuti on of the State
of
Geor gi a
.
2. [ amof l egal ageandabl e to testi f yto the tr uthf ul ness of the statements madeher ei n and
i n the r ecor ds andf i l es of thi s case.
3. 1 am
a
Ci ti zen
of Geor gi a, whi ch i s a state of theUni on.
4. Myabode and dwel l i ng i s geogr aphi cal l y l ocated i n Geor gi a, whi ch i s
a state of the
Uni on.
5. On,
or about, 12/ 10/ 2002, 1 di scover ed BANKOFAMERICACORPORATECENTER
f ai l ed
to
di scl ose
theabsenceof
thei r
char ter power author i zati on to i ssue cr edi t .
6. On, or about, 12/ 10/ 2002, I di scover ed BANK
OFAMERICACORPORATECENTER
f ai l ed to di scl ose the tr ue natur e of the al l eged agr eement andal l eged
i ssuance of cr edi t,
and f al sel y r epr esented to me the ter ms, qual i ty, and other aspects of the al l eged
agr eement.
23. Counsel f or pl ai nt i f f has f ai l ed t o cease col l ect i ons of t he al l eged debt whi l e t he al l eged
debt
i s i n
di sput e.
AFFI DAVI T
OF
MATERI AL
FACTS 2 of 3
8. Appr oxi mat el y 30 days af t er t he f i r st
r equest , I
agai n r equest ed
cl ar i f i cat i on of , and
speci f i c i nf or mat i on r el at i ng t o BANKOF AMERI CACORPORATECENTER' S
cor por at e char t er aut hor i t y t o i ssue cr edi t .
9. I amnot i n r ecei pt or possessi on of an or i gi nal or cer t i f i ed copy of an
or i gi nal document
of
BANK
OF AMERI CA
CORPORATECENTER' S cor por at e char t er , or ot her
document cont ai ni ng t he aut hor i zat i onand descr i pt i on of t hei r cor por at e char t er power s.
10. I amnot i n r ecei pt or possessi on of a copy or cer t i f i ed copy of any or i gi nal evi dence,
and/ or ot her document at i on pr oduced by BANKOF AMERI CACORPORATE
CENTERshowi ng t hei r cor por at e char t er power s and cor por at e char t er
aut hor i zat i on
t o
i ssue
cr edi t .
11 . I amnot i n r ecei pt or possessi on of a cer t i f i ed copy of an or i gi nal cont r act bet ween me
and pl ai nt i f f , cont ai ni ng my bona f i de si gnat ur e.
12. I amnot i n r ecei pt or possessi on of a cer t i f i ed copy of an or i gi nal pr omi ssor y not e
cont ai ni ng my si gnat ur e.
13. I
am
not i n r ecei pt or possessi on of a cer t i f i ed copy of an or i gi nal account i ng sheet or
bal ance sheet f or t he al l eged account , showi ng t he or i gi nal deposi t f undi ng t he al l eged
account ; and/ or showi ng a debi t or wi t hdr awal f r omanot her separ at e account , whi ch sai d
debi t or wi t hdr awal was used t o f und my al l eged account .
14.
I am
not
i n r ecei pt or possessi on of
any document at i on of
val i dat i on
usi ng
compet ent
evi dence, by oat h or af f i davi t of someone wi t h f i r st - hand knowl edge of t he execut i on of
an or i gi nal cont r act and/ or or i gi nal i nst r ument of my al l eged debt .
15 .
I
do not oweanydebt t o pl ai nt i f f.
16. I do not oweanydebt
t o
at t or ney named as counsel f or pl ai nt i f f ,
17. Counsel f or pl ai nt i f f i s a debt col l ect or .
18. I SU. S. C. 1692( g) st at es: " I f t he consumer not i f i es t he debt col l ect or i n wr i t i ng wi t hi n t he
t hi r t y- day per i od descr i bed i n subsect i on ( a) t hat t he debt , or any por t i on t her eof , i s
di sput ed, or t hat
t he
consumer r equest s t he name and addr ess of t he or i gi nal cr edi t or , t he
debt col l ect or shal l ceasecol l ect i on of t he debt ,
or any di sput ed por t i on t her eof , unt i l t he
debt col l ect or obt ai ns ver i f i cat i on of t he debt or anycopy of a j udgment , or t he name
and
addr ess
of
t he or i gi nal cr edi t or , and a copy of such ver i f i cat i on or j udgment , or name and
addr ess of t he or i gi nal cr edi t or , i s mai l ed t o t he consumer by t he debt col l ect or . "
19.
I
amnot i n r ecei pt or possessi on of ver i f i cat i on of debt pr oduced by counsel f or pl ai nt i f f
t o ver i f y and val i dat e t he debt t hey al l ege t hat I owet o t hem.
20.
The
debt pl ai nt i f f al l eges
Thomas J ohn Lawl er owes i s cur r ent l y i n di sput e.
21 . Pl ai nt i f f has f ai l ed t o cease col l ect i ons of t he non- ver i f i ed debt .
22. Counsel
f or
pl ai nt i f f has f ai l ed t o cease col l ect i ons ona non- ver i f i ed debt .
Gi ven under my hand and seal of of f i ce t hi s L~dayof
~~
2003.
Not aryPubl i c
My
commi ssi on expi res : /l ,
AFFI DAVI TOF MATERI ALFACTS 3of 3
Under penal t yof perj ury, I at t est t o God, t hat t o
t he
best of my present
knowl edge,
underst andi ng and
bel i ef ,
al l mat t ers of f act
set out above are accurat e and t rue.
Dat e
c/o 5077 Tanaga Ct .
St one
Mount ai n, Georgi a 30087
NOTARY
st at e
count y
On t hi s dayappeared personal l ybef ore me af f i ant , Thomas J ohn Lawl er, who di d t ake an
oat h and at t est s t o t he t rut h of t he af ore ment i oned AFFI DAVI TOF MATERI ALFACTS, and
i s herebyacknowl edged byme t o be t he i ndi vi dual ( s) descri bed i n, and si gned and dat ed t he
same as
hi s
f ree and vol unt aryact
and
deed,
f or
t he uses
and
purposes
t herei n ment i oned
.
CERTI FI CATEOF MAI LI NG
I cert i f y t hat a t rue and correct copyof t he f oregoi ng AFFI DAVI TOF MATERI AL
FACTSwas f orwarded, t hi s t he ~day
of 2003, post age
prepai d, vi a U. S. Mai l , Cert i f i ed Ret urn Recei pt Request ed, t o t he f ol l owi ng counsel of record:
1655 Ent erpri se Way
Mari et t a, GA30067
Thomas J ohn Lawl erT
5077 Tanaga Ct .
St one
Mount ai n, Georgi a 30087
I N THESTATE
COURTOFGWI NNET'
Fi t . FD
I N
I 6~UNTY"
.
"~~
STATEOFGEORGI A
7003
AN 13
P k 1
CI VI L ACTI ON NO. :
03- C04776- 5
Def endant .
F. 3d 898 ( 8' h Ci r . 2000) ; Uni t ed St at es v. I nt er nat i onal Busi ness Machi nes Cor p. , 517
ANSWERANDDEFENSES P age
1
of
11
BANKOFAMERI CA, N. A. <USA>
P l ai nt i f f ,
v.
THOMASJ . LAWLER
DEFENDANTSANSWER, DEFENSES,
AFFI RMATI VEDEFENSESANDCOUNTERCLAI M
COMESNOW, Thomas J ohn Lawl er , sui j ur i s, named as def endant i n t he above
ent i t l ed act i on, r eser vi ngby demand,
t he
r i ght t o
amend
t hi s
pl eadi ng, i n t he i nt er est s of
J ust i ce,
as
t he di scover y pr ocess pr oceeds and newi nf or mat i on becomes avai l abl e, t o
wi t :
J UDI CI AL NOTI CE
Al l of f i cer s of t hi s cour t who many come i n cont act wi t h t hi s mat t er ar e her eby
NOTI CEDpur suant t o t he aut hor i t y
of
st at e of
Geor gi a
codes,
r ul es of cour t , and r ul es
of ci vi l pr ocedur e, and t he equal pr ot ect i on and supr emacy cl auses of t he Const i t ut i on
of t he Uni t ed St at es
of
Amer i ca,
t hat t hi s and al l f ut ur e pl eadi ngs be l i ber al l y const r ued,
Hai nes v Ker ner , 404 US519; 30 L. Ed 2d 652; 92 S. Ct . 594 ( 1972) , and P l at sk y v C. I . A.
953 F. 2d. 25; and,
Thi s Cour t
must obser ve t he r ul e
of
pr ecedent , Anasf asof f v. Uni t ed St at es, 223
1 .
Thi s
cour t
l acks j ur i sdi ct i on over t he subj ect mat t er ;
2 . Pl ai nt i f f has f ai l ed t o st at e a cl ai mupon whi ch r el i ef
can
be gr ant ed ;
3. Thi s act i on i s bar r ed
by
i l l egal i t y;
4.
Thi s act i on i s bar r ed by f r aud; and,
5. Thi s act i on i s bar r ed byest oppel .
ANSWERANDDEFENSES
Page
2 of
11
U. S. 843, 856 ( 1996) , quot i ng Payne v. Tennessee, 501 U. S. 808, 842 ( 1991) , Dor sey
v.
Sol omon, D. C. Md. , 435 F. Supp. 725,
733
.
ANSWER
Def endant r eser ves, by demand, t he r i ght t o amend t he answer s, i n t he i nt er est s
of J ust i ce,
as
t he di scover y pr ocess pr oceeds and newi nf or mat i on becomes avai l abl e.
1 . The def endant s admi t t he al l egat i ons cont ai ned i n par agr aph
number ed one ( 1)
of t he pl ai nt i f f s compl ai nt ;
2.
Thedef endant s deni es t he al l egat i ons set f or t h i n par agr aph number ed
t wo
( 2) of
t he pl ai nt i f f ' s compl ai nt ;
3. The def endant s
deni es
t he al l egat i ons set f or t h i n par agr aph number ed t hr ee ( 3)
of t he pl ai nt i f f s compl ai nt ; and,
4. The def endant
i s
wi t hout suf f i ci ent knowl edge
as
t o
t he
al l egat i ons set f or t h i n
par agr aph number ed f our ( 4)
of
t he pl ai nt i f f ' s compl ai nt
and t her ef or e deni es t he
same.
DEFENSESANDAFFI RMATI VEDEFENSES
Def endant r eser ves, by demand, t he r i ght t o amend def enses and af f i r mat i ve
def enses, i n t he i nt er est s of J ust i ce, as t he di scover y pr ocess pr oceeds and new
i nf or mat i on becomes avai l abl e.
any l evel ;
ANSWERANDDEFENSES
Page
3 of
11
COUNTERCLAI M
Def endant r eser ves,
by demand,
t he
r i ght
t o
amend t he count er cl ai m, i n t he
i nt er est s of J ust i ce, as t he di scover y pr ocess pr oceeds
and newi nf or mat i on becomes
avai l abl e. Pl ai nt i f f has 20 days af t er r ecei vi ng t hi s count er - compl ai nt t o f i l e an answer
wi t h t he cour t and ser ve a copy on t he def endant , or a def aul t j udgment may be ent er ed
agai nst pl ai nt i f f wi t hout not i ce.
FI RSTCAUSEOFACTI ON
1 . Def endant / Count er - Pl ai nt i f f has r ecent l y made di scover y concer ni ng
pl ai nt i f f / count er - def endant s appar ent
i nvol vement i n f r audul ent act i vi t y, i ncl udi ng
f r aud on t he cont r act , f r audul ent conveyance, conceal ment
of mat er i al
f act s,
f r aud i n t he execut i on, f r aud i n t he i nducement , f or ger y, and conspi r acy t o
commi t f r aud;
2. Pl ai nt i f f / Count er - Def endant f al sel y r epr esent ed t o t he def endant / count er - pl ai nt i f f
t he t er ms, qual i t y, and ot her aspect s of t he al l eged agr eement , i nduci ng
def endant / count er - pl ai nt i f f t o ent er i nt o t he al l eged cont r act wi t h a f al se
i mpr essi on and under st andi ng of t he r i sks and obl i gat i ons under t aken;
3. Pl ai nt i f f / Count er - Def endant conceal ed f r om def endant / count er - pl ai nt i f f t he
mat er i al f act
t hat
pl ai nt i f f / count er - def endant i s not aut hor i zed by t hei r cor por at e
char t er t o i ssue cr edi t , and pl ai nt i f f / count er - def endant conceal ed t he mat er i al f act
t hat
pl ai nt i f f / count er - def endant does not have cor por at e char t er power s t o
i ssue
cr edi t ;
4.
Def endant / Count er - Pl ai nt i f f
cannot suppor t an i nst i t ut i on t hat may be i nvol ved i n
a cr i me, nor can def endant / count er - pl ai nt i f f knowi ngl y f i nance cr i mi nal act i vi t y at
cont r act and/ or agr eement ;
ANSWERANDDEFENSES Page 4 of 11
5 . Def endant / Count er - Pl ai nt i f f sent Not i ce of Faul t and Cur e and Not i ce of Demand
t o pl ai nt i f f / count er - def endant , t o whi ch pl ai nt i f f / count er - def endant has r ef used t o
compl y. See Exhi bi t s " A" and
" B" ;
6. Pl ai nt i f f / Count er - Def endant has f ai l ed t o pr oduce on demand t he or i gi nal al l eged
agr eement wi t h
def endant / count er - pl ai nt i f f s
bona f i de si gnat ur e. See Exhi bi t " C; "
7. Pl ai nt i f f / Count er - Def endant conver t ed
t he
al l eged agr eement i nt o a pr omi ssor y
not e and r ecor ded sai d pr omi ssor y not e as an asset , and used t he asset t o f und
an account wi t hout t he knowl edge, per mi ssi on, or aut hor i t y of def endant / count er -
pl ai nt i f f ;
8 .
Pl ai nt i f f i s a banki ng i nst i t ut i on, whi ch i s an i nst r ument al i t y of t he gover nment ,
and
t her ef or e
bound t o compl y
wi t h
t he
Admi ni st r at i ve
Pr ocedur es Act ;
9.
Pl ai nt i f f
t er mi nat ed t he admi ni st r at i ve pr ocess
pr i or
t o i t s f i nal di sposi t i on, and
abandoned t he cl ai m, f ai l i ng t o exhaust admi ni st r at i ve r el i ef and t her eaf t er
seeki ng r edr ess f r omt he cour t s ;
10.
Pl ai nt i f f / Count er - Def endant f ai l ed
t o answer def endant / count er - pl ai nt i f f s
numer ous r equest s f or document at i on and i nf or mat i on concer ni ng t he l awf ul
nat ur e of t he al l eged agr eement wi t h pl ai nt i f f . See Exhi bi t s " A" and " B" ;
11 . Pl ai nt i f f / Count er - Def endant exceeded t hei r cor por at e aut hor i t y, and del i ber at el y
vi ol at ed not onl y t he U. S. Const i t ut i on, but al so Feder al and St at e l aws by Check
Ki t i ng, and by cr eat i ng and l endi ng " cr edi t "
or
" checkbook money" ;
12. Pl ai nt i f f / Count er - Def endant i s at t empt i ng t o enf or ce and t ake act i on on a voi d
cont r act ;
13.
Pl ai nt i f f / Count er - Def endant has
been unj ust l y enr i ched at t he expense of
def endant / count er - pl ai nt i f f by r ecei vi ng payment r esul t i ng f r om
an ul t r a vi r es
USC16928;
Page 5 of 11 ANSWERANDDEFENSES
14. Pl ai nt i f f / Count er - Def endant has communi cat ed sl ander ous and damagi ng
i nf or mat i on
t o
t he cr edi t
r epor t i ng agenci es whi l e t he al l eged debt i s i n di sput e,
whi ch has r esul t ed i n def endant / count er - pl ai nt i f f s cr edi t
r epor t bei ng damaged;
15. Pl ai nt i f f / Count er - Def endant ' s
communi cat i on t o t he cr edi t r epor t i ng
agenci es
whi l e t he al l eged debt
i s i n di sput e has def amed def endant / count er - pl ai nt i f f s
good name and damaged def endant / count er - pl ai nt i f f ' s r eput at i on;
16. Def endant / Count er - Pl ai nt i f f
abi des
by
t he l aw as def endant / count er - pl ai nt i f f
under st ands i t , and def endant / count er - pl ai nt i f f i s di st r essed by
t he r ecent
di scover y
of pl ai nt i f f / count er - def endant ' s f r aud;
17
.
Def endant / Count er - Pl ai nt i f f has
become ner vous, anxi ous, and i s no l onger
def endant / count er - pl ai nt i f f s l i ght - hear t ed sel f , due t o t he knowl edge t hat
def endant / count er - pl ai nt i f f
has been l ur ed by pl ai nt i f f / count er - def endant i nt o
possi bl e
unl awf ul act i ons, by unwi t t i ngl y par t i ci pat i ng wi t h pl ai nt i f f / count er -
def endant i n an ul t r a vi r es cont r act ;
18. Pl ai nt i f f / Count er - Def endant has i ni t i at ed t hi s compl ai nt wi t h uncl ean hands and i s
not ent i t l ed
t o
r el i ef
;
SECONDCAUSEOF ACTI ON
19. At t or ney named as counsel
f or
pl ai nt i f f i s a
t hi r d
par t y debt
col l ect or ;
20. At t or ney named as counsel f or pl ai nt i f f i s at t empt i ng t o col l ect on an account i n
di sput e;
21. Def endant / Count er - Pl ai nt i f f has r equest ed ver i f i cat i on of t he al l eged debt . 15
USC
16928.
22. At t or ney named
as
counsel f or pl ai nt i f f has f ai l ed t o ver i f y t he al l eged debt , 15
def endant / count er - pl ai nt i f f , and damagi ng def endant / count er - pl ai nt i f f ' s good r eput at i on
.
Page 6 of 11 ANSWERANDDEFENSES
23. At t or ney named
as
counsel f or pl ai nt i f f has f ai l ed t o cease col l ect i ons on t he
unver i f i ed al l eged debt , 15 USC16928;
24
.
At t or ney named as counsel
f or pl ai nt i f f t o r esol ve t hi s di sput e has di scl osed t he
nat ur e of t hi s di sput e t o peopl e ot her t han t he
def endant / count er - pl ai nt i f f , causi ng
damage t o t he r eput at i on of def end anUcount er - pl ai nt i f f , 15 USC1692e;
25. Counsel f or pl ai nt i f f has made f al se and mi sl eadi ngr epr esent at i on
t o t he nat ur e
of t hi s debt by br i ngi ng a non- ver i f i ed debt i nt o l i t i gat i on, and t her ef or e
r epr esent i ngt he debt as l egi t i mat e, 15 USC1692e;
26. Counsel f or pl ai nt i f f has f ai l ed t o communi cat e t o cr edi t r epor t i ng agenci es t hat
t hi s
al l eged debt i s
i n
di sput e,
15
USC
1692e.
CONCLUSI ON
Def endant / Count er - Pl ai nt i f f al l eges t hat pl ai nt i f f l count er - def endant t hr ough t hei r
conduct has f ai l ed t o exhaust t he admi ni st r at i ve pr ocess pr i or t o seeki ng l i t i gat i on ; has
def r auded def endant / count er - pl ai nt i f f and based upon t hi s f r aud ar e i n vi ol at i on
of
Feder al Banki ng Law12 USC24 ( 7) and subj ect t o st at e of Geor gi a banki ng st at ut es ;
and t hat t he at t or ney named as counsel f or pl ai nt i f f has r epeat edl y vi ol at ed 15 U. S
. C.
1692, Fai r Debt Col l ect i ons Pr act i ces Act .
Pl ai nt i f f / Count er - Def endant has i r r epar abl y damaged
def endant / count er - pl ai nt i f f
by coer ci ng def endant / count er - pl ai nt i f f i nt o unwi t t i ng par t i ci pat i on i n pl ai nt i f f / count er -
def endant s i l l egal banki ng schemes, i nf l i ct i ng ser i ous ment al and emot i onal
damage t o
2 . Tr i pl e damages f or t he Fr auds t ot al i ng $38, 953. 02 ;
Page 7
of 11
ANSWERANDDEFENSES
The l awl eaves wr ongdoer s wher e i t f i nds t hem. ( I Mer . J ur 2nd on Act i ons
Sect i on 550) . Sl aver y
and
al l i t s
i nci dent s, i ncl udi ng Peonage, t hr al l dom, and
debt
cr eat ed by f r aud ar e uni ver sal l y pr ohi bi t ed i n t he Uni t ed St at es. Thi s case r epr esent s
but anot her r ef i ned f or mof sl aver y and i nvol unt ar y ser vi t ude by Banker s, and banki ng
i nst i t ut i ons such as pl ai nt i f f / count er - def endant , and debt col l ect or s such as at t or ney
namedas counsel f or pl ai nt i f f . The Const i t ut i on of
t he
Uni t ed St at es andt he
l aws
of t he
st at e of Geor gi a i n t hi s case do not suppor t t he pl ai nt i f f / count er - def endant s cl ai m. The
Peopl e have spoken
t hei r
wi l l i n t er ms, whi ch cannot be mi sunder st ood i n t he
Const i t ut i on . I t i s i ndi spensabl e t o t he pr eser vat i on of t he Uni on andi ndependence and
l i ber t i es
of t he peopl e t hat t hi s Cour t , adher e onl y t o t he mandat es of
t he
Const i t ut i on
and admi ni st er i t as i t i s wr i t t en, and f ol l ow t he Rul e of Lawconcer ni ng case l aw
pr ecedent and not
depar t
f r omi t
wi t hout
gr eat cause . Ther ef or e,
def endant / count er -
pl ai nt i f f
pet i t i ons t hi s Honor abl e
Cour t
hol d
t he al l eged account , and any al l eged
i nst r ument s and/ or al l eged cont r act s andagr eement s i n quest i on voi d and not ef f ect ual
f or any pur pose,
andt o decl ar e t he debt col l ect i on act i ons i l l egal andunenf or ceabl e.
PRAYERFORRELI EF ANDREMEDY
May t he Godof cr eat i on i nt er vene i n t he hear t s of men
t hat
t r ut h
may pr evai l
over
decept i on,
t hat l aw
may
pr evai l over l awl essness. May Godmove t he hear t of
t he
Pr esi di ngJ udge of t hi s Cour t t o awar dt o def endant / count er - pl ai nt i f f
:
1 . Act ual
damages of
$12, 984. 34;
Dated thi s ~ay, of the onth
of ~2003
5077 Tanaga Ct .
Stone
Mountai n, Georgi a 30087
ANSWERANDDEFENSES
Page 8 of 11
3. At l east $1, 500. 00 f or personal ti me
spent
def endi ng
pl ai nti f f ' s f ri vol ous
pl eadi ng and f raudul ent cl ai m;
4. At l east $48, 000. 00 i n damages f or counsel ' s 48 vi ol ati ons
( $1, 000/ vi ol ati on) of the Fai r Debt Col l ecti ons Practi ces Act ;
5. Actual damages of $8509. 62 taken f rom5 personal and busi ness
accounts
;
6. Tri pl e damages f or the Frauds total i ng $ 25, 528. 86;
7. At l east $10, 000. 00 i n damages f or emoti onal trauma i nduced by counsel
f or pl ai nti f f s i nti mi dati ng col l ecti on practi ces ;
8. The rel ease
to
the def endant of the ori gi nal al l eged contract
wi thout
f urther payment, restri cti ons or encumbrances ;
9
.
A
bal ance statement to be i ssued by pl ai nti f f showi ng a zero ( $0. 00)
bal ance owed;
10. The return of
sai d
al l eged contract
wi thout al terati ons of any ki nd;
11 . The removal
of
any negati ve and/ or derogatory
comments
pl ai nti f f
caused
to be pl aced on def endants credi t record; and,
12. An award of such other and f urther rel i ef as the court deems j ust, proper,
and equi tabl e.
~~Thomas J ohn LavNer
5077
Tanaga Ct .
Stone Mountai n, Georgi a
30087
ANSWERANDDEFENSES
Page 9of 11
VERI FI CATI ON OF Thomas J ohn Lawl er
I , Thomas J ohn Lawl er, amof the age of maj ori ty and competent
to make
thi s
veri f i cati on and decl are as f ol l ows:
1 . I amnamed as the def endant i n the
above- enti tl ed matter and
have f i rst hand knowl edge of events f i l ed i n thi s matter ;
2. I have read the f oregoi ng ANSWER,
DEFENSES,
AFFI RMATI VE DEFENSES, AND
COUNTERCLAI M;
VERI FI CATI ON OF ANSWER, DEFENSES, AFFI RMATI VE
DEFENSES, AND
COUNTERCLAI M; and, Exhi bi ts " A" , " B" ,
and
" C" and knowthe f acts therei n stated tobe true and correct ;
and,
3. I
decl are, under penal ty of perj ury, pursuant tothe Laws of the
Uni ted States of Ameri ca
that the f oregoi ng i s true and correct
tothe best of my knowl edge and bel i ef .
Executed thi s the day, of ',
2003, i n the ci ty of
county of
~~vJ i ~>
- rr~~and
the state of
NOTARY
( OAMv- -
Not ary Publ i c
ANSWER
AND
DEFENSES Page 10 of 11
( f rPl ~~2~. . ~CxJ s t at e
QI
. Ul / I
ri C? - ~
Count y
On t hi s day appeared pers onal l y bef ore
me Af f i ant , Vi ncent E. Robi net t e, who
under oat h at t es t s t o t he t rut h of t he af orement i oned VERI FI EDANSWER, DEFENSES,
AFFI RMATI VEDEFENSES, ANDCOUNTERCLAI M; VERI FI CATI ONOF ANSWER,
DEFENSES, AFFI RMATI VEDEFENSES, ANDCOUNTERCLAI M; and i s hereby
acknowl edged by me t o be t he i ndi vi dual ( s ) des cri bed herei n, and s i gned and dat ed t he
s ame as hi s f ree and vol unt ary act and deed, f or t he us es and purpos es t herei n
ment i oned.
Gi ven under my
hand and
s eat
of
of f i ce
t hi s
I "~Ebday
of , 2003.
My commi s s i on expi res : ~ I - 7" J ~
I NTHEUNI TEDSTATESDI STRI CTCOURT
THENORTHERNDI VI SI ONOFGEORGI A,
ATLANTADI VI SI ON
DEFENDANTSNOTI CEOF
REMOVAL
Def endant .
1 OF3
BANKOFAMERI CAN. A. ,
a cor por ati on,
Pl ai nti f f ,
v.
Thomas J . Lawl er
an i ndi vi dual ,
CASENO:
DI VI SI ON:
DEFENDANT' SNOTI CEOFREMOVAL
Def endant f i l es thi s noti ce of r emoval under 28 U. S. C. 1 446( a) .
A. I ntr oducti on
1 . Pl ai nti f f i s Bank Of Amer i ca; def endant i s Thomas J ohn Lawl er .
2. On
May
21 , 2003, pl ai nti f f sued def endant f or
Sui t
on Account i n the
STATECOURTOFTHECOUNTYOFGWI NETT, STATEOFGEORGI A.
3. Def endant was ser ved noti ce of the sui t on J une 3, 2003. Def endant f i l ed
thi s noti ce of r emoval wi thi n the 30- day ti me per i od r equi r ed by 28 U. S. C.
1 446( b) .
20F3
B. Basi s f or Removal
4. Removal i s pr oper because
Pl ai nt i f f s
sui t
i nvol ves a
f eder al quest i on.
28 U. S . C
. 1331, 1441( b) ;
Long v. Bando Mf g. of Am. , I nc. , 201 F. 3d 754, 757- 58 ( 6t h Ci r . 2000) ;
Pet er s
v. Uni on
Pac. R. R
. ,
80
Fad
257, 260
( 8t h Ci r .
1996) .
Speci f i cal l y, pl ai nt i f f ' s cl ai mar i ses under 12 U. S . C. 24, whi ch st at es,
"Upon dul y maki ng and f i l i ng ar t i cl es of associ at i on and an
or gani zat i on cer t i f i cat e a nat i onal banki ng associ at i on shal l become, as
f r omt he dat e of t he execut i on of i t s or gani zat i on cer t i f i cat e, a body
cor por at e, and as such, and i n t he name desi gnat ed i n t he or gani zat i on
cer t i f i cat e, i t shal l have power . . . " and under 12 U. S . C. 24 Sevent h,
whi ch st at es, ". . . by l oani ng money on per sonal secur i t y ; . . . ".
6. Al l pl eadi ngs, pr ocess, or der s, and ot her f i l i ngs i n t he st at e cour t act i on ar e
at t ached t o t hi s not i ce as r equi r ed by 28 U. S . C. 1446( a) .
7. Venue i s pr oper i n t hi s di st r i ct under 28 U. S . C. 1441( a) because t hi s
di st r i ct and di vi si on embr ace t he pl ace wher e t he r emoved act i on has been pendi ng.
8. Def endant wi l l f i l e pr ompt l y a copy of t hi s not i ce of r emoval wi t h t he cl er k
of t he st at e cour t wher e t he act i on has been pendi ng.
C.
J ur y Demand
9. Pl ai nt i f f di d not demand a j ur y i n t he st at e cour t act i on.
D. Concl usi on
10.
The
pl ai nt i f f
i s a nat i onal banki ng ent i t y and as such i s subj ect t he banki ng
l aws of t he Uni t ed St at es and speci f i cal l y t he pr ovi si ons of 12 U. S . C. 24. Pl ai nt i f f
l oaned cr edi t , not money t o def endant . Pl ai nt i f f i s seeki ng t o r ecover money under
t he aut hor i t y of an al l eged cont r act t hat appear s
t o
be ul t r a vi r es . Def endant
bel i eves pl ai nt i f f may have knowi ngl y or unwi t t i ngl y been i nvol ved i n Bank Fr aud,
by a scheme
of
l endi ng
banks cr edi t , and not i t s deposi t or s or i nvest or s f unds .
30F3
Dat ed t hi s ,day, of t he
mont h of '
UG
v, 2003
5077
Tanaga
Ct .
St one Mount ai n, Georgi a 30087
770- 498- 2886

B of A Vs TOm Lawler

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