Corrections To UPL Response, Ghunise Coaxum, UPL Bar Counsel

J ohn F.
Harkness, Executive Director February 7, 2014

Ghunise Coaxum, UPL Bar Counsel VIA Email Only
Lori Holcomb, UPL Counsel, Unlicensed
Patricia M. Moring, Chair, Fifth Circuit UPL Committee
Dear Ms. Coaxum:
Unfortunately there are a number of errors in my reply to the vexatious UPL complaint of Ryan
Christopher Rodems. A corrected reply is attached, subject to ongoing corrections. I direct your
attention to the most serious error, page 3,
Florida Circuit J udge Hale Ralph Stancil presided and [has] has not advised me of engaging in
UPL for representing my interests in the Marion County case, which I removed to federal court.
Please find attached the following:
Attorney J eff Childers Economic Analysis Spreadsheet-Sep-17-2009
Correspondence of David Snyder Esq. to Rodems-Sep-07-2006; and reply
Exhibit 1 Notice of Appearance, Tiffany Caparas, Esq. Kaufman, Englett & Lynd, PLLC
(KEL) for Mark Gillespie et al, 42-2013CA-000115-AXXX-XX, Marion County
Reverse Mortgage Solutions, Inc. v Neil J . Gillespie et al (RMS v. Neil Gillespie)
Exhibit 2 Defendants Motion to Quash Service of Process, KEL for Mark Gillespie et al.
RMS v. Neil Gillespie, 42-2013CA-000115-AXXX-XX, Marion County
Exhibit 3 Notice of Defendants Consent to J udgment, KEL for Mark Gillespie et al, J uly 5, 2013
RMS v. Neil Gillespie, 42-2013CA-000115-AXXX-XX, Marion County
Exhibit 6 Composite, Office of Bill McCollum to Neil Gillespie, correspondence since 2007
Exhibit 10 Mr. Rodems letter to Clerk Pat Frank, May 31, 2011, re: sham order of Martha Cook
Exhibit 11 Mr. Rodems letter to J udge Arnold, April 26, 2011, re: sham order of Martha Cook
Exhibit 13 Assistant U.S. Attorney Roger B. Handberg, a failure of justice
I reiterate my request for appointed counsel, and will make a detailed request soon.
The U.S. Eleventh Circuit adopted provisions for furnishing representation for persons
financially unable to obtain adequate representation in cases and situations which do not
fall within the scope of 18 U.S.C. 3006A, as amended -- but in which the court believes that
the interests of justice will be served by the presence of counsel.
Addenda Five, 11th Cir. R., Non-Criminal J ustice Act Counsel Appointment, (b)(2) shows cause
for appointment of counsel; I sought relief under 42 U.S.C. 1983, and the interest of justice
would be served by the presence of counsel. I am disabled and believe a counsel appointment
was appropriate under the Americans with Disability Act, 42 U.S.C. 12101 et seq., and The
Rehabilitation Act of 1973, 29 U.S.C. 701 et seq. given the issues in this matter.
Unlicensed Practice of Law (UPL) Investigation February 7, 2014
of Neil J . Gillespie, Case No. 20133090(5) Page - 2
When a litigants health is at risk, appointment of counsel is appropriate. In an opinion decided
March 27, 2012 by J udge Richard Posner of the 7th U.S. Circuit Court of Appeals in a civil
rights suit brought under 42 U.S.C. 1983, the Court suggested appointment of counsel because
withholding nutritious food would violate the Eighth Amendment. (Prude v. Clarke, No. 11-
2811; Appeal from the U.S. District Court for the Eastern District of Wisconsin. No. 2:10-cv-
00167-J PSJ .P. Stadtmueller, J udge.).
Attorney J eff Childers stated in the Non-Pecuniary Cost of Litigation section in his Economic
Analysis of this matter that Plaintiff is likely suffering from physical and emotional ill effects
resulting from the litigation, as described in Legal Abuse Syndrome,...In attempting to evaluate
the physical and emotional costs of going forward with the litigation, I considered both short and
long-term effects, and the opportunity cost [and the] loss of energy related to physical and
emotional side-effects. My estimate was $100,000....
I reiterate my earlier request: Are you selling a Florida Bar News article on Amazon.com? I do
not have a response to that question from Mr. Hill. The article is Paralegals in a law office and
the unlicensed practice of law. http://www.amazon.com/Paralegals-office-unlicensed-practice-
Update/dp/B000826BE4/
Thank you in advance for the courtesy of a response.
Sincerely,
Neil J . Gillespie
8092 SW 115th Loop
Ocala Florida 34481
Phone: 352-854-7807
Email: neilgillespie@mfi.net
Attachments

TEL 866.996.6104 Attorney at Law Jeff Childers
FAX 407.209.3870
URL www.smartbizlaw.com

Sixth Street Executive Center
1330 NW 6
th
Street, Suite C
Gainesville, FL 32601
37 North Orange Ave., Suite 500
Orlando, FL 32801
jchilders@smartbizlaw.com
Thursday, September 17, 2009
Neil Gillespie
8092 SW 115th Loop
Ocala, Florida 34481
RE: Economic Analysis Spreadsheet
Dear Neil,
In this letter, I will explain my thoughts and assumptions relative to the economic
analysis of your case, as represented by the spreadsheet which you should have received
contemporaneously with this letter.
The spreadsheet concludes that the cases return on investment is negative.
There are four columns. The Item column represents either a potential recovery,
which increases the net value of the case, or a projected cost, which decreases the net value of the
case. Costs can be either hard costs such as attorneys fees and court costs, or soft costs such
as the cost of litigation-related illnesses and emotional harms. The Amount column represents
the best estimate of the actual recovery or cost for the category. The Prob% column represents
the probability of achieving the recovery or incurring the cost. The Eco Value column
represents the economic value of the item, i.e. the projected amount times the probability the
amount will actually be recovered or incurred.
Next I will discuss each individual item.
Actual Damages.
1
I calculated actual damages as follows. The award of $56,000 was
reduced by 45%, the amount a jury would likely allow the Defendants for their contingent fee.
This figure is based on the unexecuted contract attached to the Complaint. Furthermore, the
Bar allows that attorneys may pay actual costs before application of the contingent fee. Accepting
the costs as recited in the Complaint, the award is reduced by $6,125.46. Next, the amount is

1
The Complaint calculates actual damages a little differently. I went with my figures because they are more
favorable (and I believe, correct).
7
Page 2 of 5

divided by three to obtain the amount that should have been paid to the Plaintiff, and further
reduced by the $2,000 that was already paid to Plaintiff. I.e.:
Actual Award $56,000 $56,000
-Costs -$6,125.46 $49,874
- 45% Contingent Fee -$22,443 $27,431
- 2/3 due to the 2 other clients -$18,286 $9,143
- $2,000 already paid -$2,000 $7,143
==============
Total Actual Damages $7,143.00
2

Thus, as you can see, the maximum recoverable actual damages in this case are likely to
be $7,143. Next, the spreadsheet adjusts the maximum actual damage figure by the probability
of prevailing, which I calculated as 51%, or just more likely than not. Of course, these estimates
are largely subjective. I would have calculated the chance of prevailing on the merits as 75% at
the outset of the case, but given the cases history and the events which have transpired since
inception, I am forced to reduce the probability of succeeding on the merits to 51%. Thus, the
economic value of the actual damages in this case is $3,643.00.
Punitive Damages. As you know, punitive damages are more difficult to obtain. There
are both legal and factual barriers to pleading and proving punitive damages.
3
The Defendants
may convince the court that punitive damages were not plead properly or are not available in
this case, in which event the jury is not permitted to consider punitive damages. Also, punitive
damages are granted up to three times actual damages, and there is no guarantee that a jury
would award the full treble damage amount. Still, I used treble damages, which is a maximum
recoverable amount of $21,431. Furthermore, any punitive damages award can be overruled by
the judge, and appealed separately. Therefore, the probability of succeeding with punitive
damages is accounted for as half of the probability of succeeding with actual damages, or 25%.
Therefore, the economic value of the punitive damages at this point in the case is only $5,357.00.

2
As you can see, I did an independent calculation of damages, which amount was very close to your own figures.
3
In fact, on January 13, 2006, the court ordered the demands for punitive damages to be stricken from the
Complaint, so, actually, no current demand for punitive damages exists (presumably it might be re-plead in an
amended complaint). Also, to the extent that the suit succeeds on a breach of contract and not tort claim, punitive
damages are excluded. Farnsworth, Contracts, 12.3, at 157 (3d ed. 1999) ("Punitive damages should not be
awarded for breach of contract because they will encourage performance when breach would be socially more
desirable.").
Page 3 of 5

Award of Attorneys Fees. Under the American Rule, each party must pay its own
attorneys fees and costs. Unless an exception is granted by agreement between the parties or by
statute, there is no provision for the prevailing party to recover its fees and costs. The un-
executed representation contract attached to the Complaint contains no provision for attorneys
fees. I am aware of no other such agreement or statute that would apply in this case, beyond a
bare equitable appeal to the court. The spreadsheet therefore allows for no recovery from the
Defendants of fees and costs.
Subtotal, Forecast Recovery. Thus, the maximum recovery at 100%, i.e. full certainty of
succeeding in the litigation as to both actual and punitive damages, is $28,574. However,
adjusted for the probability of succeeding on the merits at this point in the case, the maximum
economic recovery is only $9,001.
Bauers Outstanding Fees. Mr. Bauer has a claim to his fees of $12,517.41, at least as of
the most current invoice that I was provided. On the one hand, he may have difficulty proving
his entitlement to the fees, due to some evidence that an attempt was made to renegotiate the
contract to a contingency basis. However, since that evidence is not conclusive and represents a
triable issue of fact, the probability of incurring additional costs to litigate the fees issues offsets
the reduction in probability that Mr. Bauer can recover them. Furthermore, generally speaking,
most ethical attorneys would require the Plaintiff to resolve the fees issue with predecessor
counsel before agreeing to take the case (as I would). Thus, there will be pressure to pay the fees
or come to an amicable settlement. Accepting Bauers figures, the economic cost of the
outstanding fees to Mr. Bauer at this point in the case is $12,517.41.
New Attorneys Fees. A new attorney would be required to litigate the case through
trial. Given the extensive history of the case, some non-trivial cost would be incurred in
reviewing and understanding the almost four-year history of this litigation (8 hrs). Then,
amendment of the complaint (4 hrs), response to various outstanding motions and issues
including the garnishment and counter-claims (26 hrs), preparation for trial on the substantive
issues and defenses (30 hrs), and the trial itself (30 hrs) will require substantial attorney time. At
an estimated $250 per hour, for 98 estimated attorney hours (loosely including paralegal time,
costs etc as part of the hours estimate), the fee for completing the case would be $24,500. Note
that any new attorney would have to consider the highly aggressive and acrimonious nature of
this particular litigation. This cost to complete the case is certain to be incurred, accounted
therefore at 100% probability. The economic value of this cost is $24,500.
4

4
It is unlikely a new attorney will offer a discounted, flat-rate, or contingency fee to take this case. The Defendants
have shown there is NO likelihood of a positive-cash settlement. Thus, there is no possible reward offsetting the
risks posed by this case. The only conceivable basis for a new attorney to proceed would be on a strict time and
materials basis with a substantial up-front retainer.
Page 4 of 5

Cost to Litigate Appeal. Based on their litigious behavior to date, the Defendants in this
case are almost certain to appeal any favorable ruling. Thus the spreadsheet reflects a
probability of 99% that any favorable verdict would be appealed. An average state-court appeal
is typically valued at $25,000, making the economic cost of this item $24,750.
Unpaid Judgment to Rodeems. Defendants are entitled to collect on their judgment for
sanctions in the amount of $11,550. As I understand the present status, some $400-$600 were
garnished by the bank and are awaiting an order of the court for release. If Plaintiff prevails at
trial, it is likely any award will be setoff by this amount if it is not already paid. Thus, 100%
probability the entire cost will be incurred, economic value $11,550.
Subtotal, Projected Costs. The total projected costs, which will likely be incurred
whether or not Plaintiff prevails, are $73,317.41. This amount should be considered the direct costs
avoided by ceasing litigation at this point. I note that the smallest cost in this category, the Unpaid
Judgment, eliminates almost entirely the projected recovery.
Non-Pecuniary Cost of Litigation. Plaintiff is likely suffering from physical and
emotional ill effects resulting from the litigation, as described in Legal Abuse Syndrome, the
book provided to me by Plaintiff. It is always difficult to put a dollar figure on the non-
pecuniary costs of any case, and this case is no different. In attempting to evaluate the physical
and emotional costs of going forward with the litigation, I considered both short and long-term
effects, and the opportunity cost caused not just by direct time invested in the case but also by
loss of energy related to physical and emotional side-effects. My estimate was $100,000, but this
figure is subjective and the Plaintiff may wish to adjust this figure upwards or downwards.
There is 100% probability these costs will be incurred regardless of the outcome of the litigation.
Net Value of Case. The net value of the case is calculated on the spreadsheet by netting
all the projected costs of litigation from the projected economic recovery. In this case, the
spreadsheet calculates that the net value of the case is negative $164,316.
In summary, even if the figures are manipulated in the most favorable way, such as by
raising the probability of succeeding with actual and punitive damages to 100%, erasing Mr.
Bauers attorneys fees, forecasting that no appeal would be filed, and waiving the emotional
and physical costs to Plaintiff, the case still would still be in the red by over $7,000
((7,143+21,431)-24,500-11,550). The assumptions that the costs would be limited in this way are,
obviously, unrealistically optimistic.

Page 5 of 5

The issue to my mind, therefore, is how to exit the case with the lowest possible cost.
Please see my letter regarding a recommended course of action for my suggestions in this
regard.

Respectfully,

Jeff Childers
LAwOFFICEOF
DAVIDM.SNYDER
PROFESSIONALASSOCIATiON
ArrORNEY& COUNSELORATLAw
SUITEFOUR
1810 SOUTHMACDILLAVENUE ADMITIEDINFLORIDAANDNEWYORK
TAMPA,FLORIDA 33629-5960 CERTIFIEDMEDIATOR
TELEPHONE (813)258-4501 U.S. DISTRICTCOURT. M.D.FLA.
FACSIMILE (813)258-4402 CIRCUITANDCOUNTYCJVIL
E-MAIL:DMSNYDER@DM5-LAW.COM N.A.S.D.ARBITRATOR& MEDIATOR
September7,2006
RyanC. Rodems
Barker,Rodems& Cook, P.A.
300WPlattSt,Suite 150
TampaFL33606
Re: Gillespiev. Barker,Rodems& Cook, P.A., etc., CaseNo. 05-7205
CircuitCourt, HillsboroughCounty, Florida
DearMr. Rodems:
Neil Gillespiehasengagedthisfirm toassisthimwiththeabove-styled
action.
Mr. Gillespie'sclaimhassurviveda motiontodismiss. Defendant's
counterclaimfor defamation,whileitmayhavestateda causeofactionatthe
outset,haslittlechanceofultimatesuccessgiventhelimiteddistributionand
privilegednatureofthepublicationcomplainedof. See e.g. Nodar v. Galbreath,
462So. 2d803(Fla. 1984).
Mr. Gillespiehasauthorizedmetoproposesettlementofallclaims
betweenhimandBarker, Rodems& Cook, P.A., Mr. Cook, andthefirm's
officers, directors, employees,agents, successorsandassigns,for paymentto
Mr. Gillespieof$6,224.78,exchangeofmutualgeneralreleases,anddismissal
withprejudiceoftheabove-styledlawsuit,whicheachpartytobearhis/itsown
costsandattorneys'fees.
WWW.DMS..LAW.COM
6
Ryan C. Rodems
September 7,2006. Page 2
Please contact me at your convenience if you have questions or
comments. Thank you for your prompt consideration of and response to this
offer, which expires at 5 p.m., September 17, 2006.
Very truly yours,
L;i. Snyder
DMS
Encl
cc: Neil Gillespie
WWW.DMS-LAW.COM
BARKER,RODEMS& COOK
PROFESSIONALASSOCIAnON
ATrORNEYS AT LAW
CHRtS A. BARKER.
R.YAN CHR.ISTOPHER RODEMS
WILLIAM J. COOK
400NorthAshleyDrive,Suite2100
Tampa,Florida33602
Telephone813/489 1001
Facsimile 813/489 1008
September14,2006
DavidM. Snyder,Esquire
Law OfficeofDavidM. Snyder
1810SouthMacDillAvenue,Suite4
Tampa,Florida 33629-5960
Re: NellJ.Gillespiev.Barker,Rodems& Cook,P.A.,
aFloridaCorporation;andWilliamJ.Cook
CaseNo.: 05-CA-7205;Division"F"
OurFileNo. 2005.5422
DearMr. Snyder:
Ihaveandthankyouforyourletterof September7,2006. Yourofferisrejected.
Wewouldagree,however,toawalk away. Thatis,eachpartydismissesallclaimswithprejudice,
eachpartytobearhisoritsownattorneys'feesandcosts.
Yourletterissomewhatambiguousonyourrole;ifyouintendtoappearascounselofrecord,Iask
thatyousubmitaNoticeof Appearance.
Sincerely,
(
...../
RyanChristopherRodems
RCRlso
Oc t. 5. 2006 11: 58AM
No. 0200 P. 1
BARKER, RODEMS & COOK
PROPESSIONAL ASSOCIAnON
ATIOINEYS AT LAW
CHItII A. BAllil
IYAN CHllilTOPHl1t aODIMS
WI1.LIAM ]. COOl;
400 North Alhley Drive, Suite 2100
Tampa. Florida 3 ~
Tch:plaullG 81 )/419.. 1001
'lc,lmUa 813/489 .. 1008
Ootober S, 2006
VIA FACSIMILE ONLY 813-258-4402
David M. Snyder, Esquire
Law Office ofDavid M. Snyder
1810 South MacDill Avenue, Suite 4
Tampa, Florida 33629-5960
Re: NeD J. GlUllpie v. Barker, RodelDl Ie Cook, P.A.,
Florida Corporation; IDd William I. Cook
Cue No.: 05-CA-7205; DivilioD "F"
Our FIle No. 2005.5422
Dear Mr. Snyder:
To clarifyt our offer to settle is 88 follows: (1) We will dismiss our claims with prejudice,
Gillespie dismisses his with prejudice, and neither side will pay the other any money; and, (2)
Gillespie agrees to sign a general release to be prepared by us; and, (3) Gillespie must aaree to
appear in court to announce the settlement and submit to questioniDa from me regarding the
voluntlrineu ofbis settlement; and, (4) Gillespie must aaree to hire and pay a court reporter to
transcribe the settlement hearing.
The offer is open until 5:00 p.m. on Friday, October 6, 2006 and must be accepted in writing
received in this office before the deadline by faclimilo or hand delivery with your or his signature.
Ryan Christopher Rodema
R.CRlso
LAwOFFICEOF
DAVIDM.SNYDER
PROFESSIONALASSOCIATION
AlTORNEY&COUNSELORATLAw
SUIlEFOUR
1810SOlTTHMACDlu. AVENUE
ADMITTEDINFLoRIDAANDNEWYORK
TAMPA.FLORIDA 33629-5960 CERTlF1EDMEDIATOR
TELEPHONE (813)25&4501 U.S.DISTRICTCOURT.M.D.FLA.
FACSIMILE (813)25&4402 CIRCUITANDCOUNTYCIVIL
E-MAIL:DMSNYDERttoMSUW.COM NAS.D.ARBITRATORaMEDIATOR
October5,2006
RyanC. Rodems
Barker,Rodems&Cook,P.A.
300WPlattSt,Suite 150
TampaFL33606
Re: Gillespiev. Barker,Rodems&Cook, P.A., etc.,CaseNo. 05-7205
CircuitCourt,HillsboroughCounty,Florida
DearMr.Rodems:
IhaveyourOctober5,2006letter. ThisfirmnolongerrepresentsNeil
Gillespie. Ihaveforwardedyourlettertohimandyoumaycontacthim
directly.
Verytrulyyours,
.(' Q---..------
DavidM.Snyder C?-;)
DMS
Encl
cc: NeilGillespie
WWW.DMSi..AW.COM
I
INTHECIRCUITCOURTOFTHE
FIFTHJUDICIALCIRCUITOF
FLORIDAINANDMARIONCOUNTY
GENERALJURISDICTIONDIVISION
REVERSEMORTGAGESOLUTIONS,INC., CaseNo.: 2013-CA-OOOl15
Plaiutiff,
v.
MARKGILLESPIE,etal.,
Defendants.
_-
NOTICEOFAPPEARANCE
ANDDESIGNATIONOFE-MAILADDRESS
COMES NOW, THELAW FIRM OFKAUFMAN, ENGLETT & LYND, PLLC,
specifically, Attolney.TiffanyCaparas t Esq.,andentersthisNoticeofAppearanceonbehalfof
Defendants, MARK .. JOEITA AKAUNKNOWN SPOUSE
OF MARK GILLESPIE, and requests that copies of all future pleadings, papers and
communicationsbedirectedtotheemaillistedbelow.
Pursuantto Rule2.516,theundersigneddesignatesthe following email addressesforthe
purposeofelectronic ofdocumentsandpleadingsinthiscase:
Kaufman,Englett&Lynd,PLLC
111 N. MagnoliaAvenue,Suite1600
Orlando,FL32801
PrimaryEmail: TCaparas@kelattomeys.com
Secondal'yEmail: KELinbox@kelattorneys.com
CERTIFICATEOFSERVICE
IHEREBYCERTIFYthatIhave [xl electronicallyfiled viathe FloridaCourtseFiling
Portal and furnished atrue and correct copy ofthe foregoing to Danielle N. Parsons, Esq., of
McCallaRaymerLLC, 225 E. Robinson St. Orlando,FL 32801,DNP@mccallaraymer.com; via
[x] Email, []U.S. Mail,[]Fax, []Delivery,todayFebruary1,2013.
KAUFMAN,ENGLETT& LYND,PLLC

FloridaBarNo. 89863
111 N. MagnoliaAvenue, Suite1600
Orlando,FL32801
Telephone No.: (407) 513.. 1900
PrimaryEmail: TCaparas@kelattomeys.com
SecondaryEmail: KBLinbox@kelattorneys.com
Attorney for Defendants: MARK GILLESPIE and
JOETIA GILLESPIE AKA UNKNOWN SPOUSE OF
MARKGILLESPIE
KELFile#13LAW34876
1
Mailing List:
Mark J Gillespie
7504 Summer Meadow Drive
Ft. Worth, TX 76123
Email: mark.gillespie@att.net
Defendants
Marion County Courthouse
Clerk of the Circuit Court
110 NW 1st Ave
Ocala, FL 34475
KEL File NI3LAW34876
L. .
INTHECIRCUITCOURTOFTHE
FIFTHJUDICIALCIRCUITOF
FLORIDAINAND MARIONCOUNTY
GENERALJURISDICTIONDIVISION
REVERSEMORTGAGESOLUTIONS,INC., CaseNo.: 2013-CA-OOOl15
Plaintiff,
v.
MARKGILLESPIE,et81.,
Defendants.
---------------
I
DEFENDANTS'MOTIONTOQUASHSERVICEOFPROCESS
Defendants,MARKGILLESPIEandJOETTAGILLESPIEAKAUNKNOWN
SPOUSEOF GILLESPIE(hereinafter,the"Defendants"),byandthrOUgllthe
undersignedcounsel,filesthisMotiontoQuashServiceof ProcesspursuanttoFla.Stat.
48.031(5)andstates:
1. Theface of thesummons forthe Defendants indicatesthatPlaintiffhas attempted
toperfectserviceof processunderFla.Stat. 48.031.
2. It is well settled that a Plaintiff must strictly comply with the statutory
requirements for service ofprocess pursuant to Fla. Stat. 48.031(5), otherwise selvice of
processisimproper.
3. It is well settled that a Plaintiff bears the burden ofestablishing the Court's
jurisdictionbyproperserviceof process. See Torres v. Arnco Construction, Inc. 867So. 2d583
(Fla. 5thDist. Ct.App. 2004).
4. Service ofprocess must strictly comply with all relevant statutory provisions.
Walker v. Fifth Third Mortgage Company, 2012WL 5457220,No. 5D12-3187(Fla. 5thDist. Ct.
App. 2012) citing Shurman v. Atlantic Mortgage & Investment Corp.(Fla. 2001) (holding that
KBL FileII 13LAW34876
2
I .....
"statutes 'governing seryice of process are to be strictly construed and enforced") see also Re-
Employment Services, Ltd v. 'National Acquisitions Co., 969 So. 2d 467 (Fla. 5th Dist. Ct. App.
2007) (holding that "courts require strict construction of, and compliance with, the provisions of
statutes governing service ofprocess").
5. Plaintiff has failed to snictly comply with Fla. Stat, 48.031 (5) therefore service
of process in this instance on the Defendants must be quashed.
6. .Pursuant to Fla. Stat. 48.031 (5), a person serving process shall place, on the copy
served, the date and time of service and his or her identification number and initials for all
of Fla. 48.031(5) is properly satisfied when the process ..server the
date and time of service and his or her identification number and initials on the copy of the
summons served. Nirk v. Bank ofAmericQ
1
N.A.
t
94 So. 3d 658 (Fla. 4th Dist. Ct. App. 2012).
Failure to do so renders service improper. Vidal v. Suntrust Bank, 41 So. 3d 401 (Fla. 4th Dist.
Ct. App. 2010) see also Walker v. Fifth Third Mortgage Company, 2012 WL 5457220, No.
5D12-3187 (Fla. 5th Dist. Ct. App. 2012).
7. The summons attached to this motion is in fact a true and correct copy of the
summons served onto each of the Defendants. See Exhibits "A" and "B". However, the true
and correct copy of each of the summons served onto the Defendants fails to include the date of
service and time of service on the face ofthe summons.
8. Because Plaintiff failed to comply with the requirements of Fla. Stat. 48.031 (5),
service of process must be quashed. Vidal, 41 So. 3d 401; see also Gamboa v. Jones, 455 So. 2d
6] 3 (Fla. 3d Dist. Ct. App. 1984).
WHEREFORE, Defendants, MARK GILLESPIE and JOETTA GILLESPIE AKA
UNKNOWN SPOUSE OF MARK GILLESPIE requests this Court enter an Order quashing
KEL File #13LAW34876
I ..
serviceof enteran orderrequiring Plaintiffto perfect serviceofprocess in compliance
with applicable Florida law within 120 days ofthe Court's Order, and any further reliefthis
Courtdeemsappropriate.
DEMANDFORATTORNEYS'FEES
Defendants, MARK GILLESPIE and JOEITA GILLESPIE AKA UNKNOWN
SPOUSEOFMARKGILLESPIE,haveretainedtheundersignedfirmand isindebtedforafee
forwhichsaidDefendantsseekrecoveryfrom thePlaintiff pursuantto theinstrumentssuedupon
andthereciprocalfeeprovisionsof Fla. Stat.57.105.
CERTIFICATEOFSERVICE
IHEREBYCERTIFYthatI have [xl electronicallyfiled viathe FloridaCourtseFiling
Portal and furnished a true and COITect copy ofthe foregoing to Danielle N. Parsons, Esq., of
McCallaRaymerLLC, 225 E. RobinsopSt. Orlando, FL32801, DNP@mccallal'aymer.com;via
[x] Email, []U.S. Mail,[]Fax, []Delivery,todayFebruary1,2013.
KAUFMAN,ENGLETT&LYND,PLLC

TiffanyCaparas,Esq.
FloridaBarNo. 89863
111 N. MagnoliaAvenue,Suite1600
Orlando,FL32801
TelephoneNo.: (407)513-1900
PrimaryEmail: TCaparas@kelattolneys.com
SecondaryEmail:
MARKGILLESPIE
MailingList:
MarkJGillespie
7504SummerMeadowDrive
Ft. Worth,TX76123
Email:mark.gillespie@au.net
Defendants
MarionCountyCourthouse
Clerkof theCircuitCourt
110NW 1stAve
Ocala,FL34475
KELFile#13LAW34876
I
L _....
J.
-'
REVERSEMORTO'AGESOLUTIONS, INC.
Plaintit(
VS.
NEILl.GILLBSPIEAND MARK GILLESPIE
ASCO-TRUSTEESOFTHEGILLESPIE
FAMILYLIVINOTRUSTAG'REEMENT
DATBDFBBRUARY 10, 1997,etaI.,
Defendants.
-._....__........ __ ..J
INTHECIRCUITCOURTOFTHE FIFTHJUDICIAL
CIRCUITOFFLORIDAINANDFOR MARION
COUNTY
GENRALJURlSDICTIONDlVISION
CASEND. f 3 \ \ S-.....c..:f'\
SECTJONNO.
COOJ.,ACTIQNSUMMONS
YOUAREHEREBYCOMMANDBD to serve thissummonsand acopyofthecomplaintondefendant(s):
MarkGillespie
7504SummerMeadows Drive
Ft.Worth.TX76123
Alawsuithas beenfiled againstyou. Youhave20calendardaysafterthissummonsis servedonyou to
filoawritten responseto theattachedcomplaintwith theeterk ofthiscourt. Aphone callwill notproteetyou;
yourwritten response, includingthe'casenumbergivenaboveand1henamesoftheparties,must befiled ifyou
want-thecourtto hearyour sideof thecase. Ifyou donot file yourresponseOn time,you may Jose thecase, and
yourwages, nloneyandpropertymaythereafterbe takenwithout furtherwarningfrom thecourt. Thereare
othorlegal requirements. You may wanttocallan attorneyrightaway. Ifyou donotknowan at10n:-ey, you may
cal[ananomeyreferral serviceorlegal aid office(lisled in thephonebook)
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If you choosetofile awrittenrosponse atthesamotimeyou nJe yourwrittenresponse tothe
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courtat J10NW 1stAve, Ocala, PL34475. You mustalsomail ortakeacarbon copyorphotocopyofyour
writtenresponse tothe"plaintiff'sat10mey1 listed below:
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DanielleN. Parsons
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Fla. BarNo.:0029364
McCallaRaymer, LLC.
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225 13.. RobinsonSt.Suite660

Orlando)FL3280 I .
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Phone:(407)6741850
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BY: J.DELGADO
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24-6 Process Service
Server:StanSikorski
Court10:S.C.H.-2482
Date: , Time:...........-1__
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IMPORTANTE
USlcd ha lido demandado Jcgalmente. Tiene 20 dias contados apanlr del recibo de esla notificaclon para contestar la
porescrilo.ypresontarlaanle cstetribunal. Una )lamadatolefonicano 10 prolcgera. Si us1ed desea que el
consJdere su dcrensa. debe presentarsu respuesta poresc:rito. incluyendo el numero de calo'l los nombres de las
partes mtcresadla. Slusted no contesta)a demandaatlcmpot pudlesc pcrder elcasoypodriascrdcspojadodesusIngresos
'J propiedades. 0 privldodesusderechos
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sin previo aviso del tribuanl. Existen ottosrequfsilos legales. Si10 desea puede
usedconsultar aunabogado inmedlatemcnlc. Si no ,onoc:e8 un abogado. puede lIamarauna de lasoneinasdoasistencfa
legal que.parenccnon lagui.lelefonica. .
Si dese.responderalademandaporsu cuenta, al mismo liempoen que prcsentasu rcspuesI. ante el tribunal dcbcra usted
enviar porcorrco 0 entrcgar una copla de su respuesta ara persona demonlnada abajo como .tpJaintitf/ PlanliffAttorney"
(Demandante0 Abogadodel Dcmandanle).
IMPORTANT
Despoursultcsjudiciaresont eteenreprisescontre YOUSe Vous avez20jours apartir de ladatedel'8ssignation
"de "tte<:ilatlon pourdeposeruneresponse ecrite 8 lapJainte ci-joJnre auprcs de cc tribunal. Un s'imploc:oup de telephone
est insuffisant purvousproteger. Vous etesobligede deposerVOlfe responseecrito,avecmontion du numerodedossiercia
dcssuset du nom des parties nommees ici, sl youse souhaitezque Ie tribuna! entonde votrO cause. Si YOUS ne pas
votreresponse ecriledans 10 delalrequis.vous risquczdeperdrc lacauseainsl que volresalaire, volreargent., elvos biens
peuvontetresaisis par18 suite, sansaucunpreavisu)terieurdu rribunal. IIyacrautresobligationsjuriduquosetvous pouvoz
requerir les services immediales dlun .vocal. Si vous ne connaiasscz pas d'avocate.YOUS pourrJez telophoner aun servicede
d'avoeau ouaunbureau jUridique(figl!rantarannll8iredetelephones) .. .. ....
Thisnoticej$ providedpursuant toAdministrativeOrderNo.2.03J9/96
ThisnoticeIsprovidedpursuanttoAdministrativeOrderNo.2010-490cn7/12/10
ENGLISH
Ifyou arc aperson with adisability who needs any accommodation in order to panicipate in this proceeding, you are
entitled.ar no cost toyou, to the provjsion ofcertain assislanc:e. Persons with adisabilitywhoneedany accommodation in
orderto paJ1lcJpalo shouldcall Tameka Gordon.ADA Coordinator, MarlonCountyJudicial Center. 110N.W. FirstAvenue.
Room 58S Ocat" FL 34475 at 3S2)401-6701 within two (2) working days of your receipt afthis notice; If you are hearing
impairedcall(800)955-8711: jfyouare voicehnpaired.call(800)955-8770.
SPANISH
De acuerdo con eJ Att8 de los Americanos con Imped'imento5. aquoJlas personas que de aJg6n scrvicio espec;al
para panlcipar en este proceso 0tener 8cceso aservlcios, programas 6actividades de La Cone dcberAn. dentro de un
peri6do rasonable antes de cualquierproceso0 de tener neeesidad de aceeso aservicios. programas0actividadest ponerse
en contacto con La OficinaAdminis....liv8 de la Cone, quo csti situadaen'MARION COUNTY JUDICIAL 110
N.W. rlRSTAVENUE, ROOM S8S OCALA. FL34475 68 los leJefonos 352)401..6701 6(800)9SS877J (TOO) YSi t
usa01 servacioFloridaRelayServiceal (800)9SS..8770 (V).
CREOLE
D'apre'ak6kl ret avekAktPouAmerikinki lnfim.toutmoun kigenyenyonW:zwen pouakomodas)'on pou yo
patisip6 nan pWOH obyen pou gin aks. Scvis, ak aklivit6 tibinal-la, nan yon Ian r6zonab anvan okin
oubyen scvis. pwogram oub)'en akllvit6 ret, yo kantl orIS Tribinalla ki nan MARION COUNTY
JUDICIALCENTER, 110 N.W. FIRSTAVENUE. ROOM SIS OCALA, FL34475 nim6ro 56 (352)41016701.
oubyen(800)9SS8171 (TDO) oubyen(800)9558170(V)anpasan paFloridaRelayService.
FRENCH
En Iccordance avec J'Acto Pour lesAmericaJns les personnes en besom d'une accommodationsclalepour
plrticiper, ces ou bien pouravolr au servke.progMmme. ou actiyit4de Ja Courtdoivenc,dans un temps
raisonablc. Ivant aucuneproceduresou besoin deservice,programmeou acdvit6. conllcterl'OfficoAdministrative
de (a Court. au num6roMARIONCOUNTYJUDICIALCENTBR. 110N.W. F1RSTAVENUE.ROOM585 OCALA.
PL 34475 Ie numero de1616phone(352)40f670'.au(800) 9558771 (TOO), ou (800) 955-8770(V)ou par Florida Relay
Service.
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REVERSE MOllTGAGBSOLUTIONS
J
INC.,
Plaintiff.
vs.
NEILJ.OlLLESPIEANDMARK GlLLESPIB
AS CO..TRUSTEES OFTHBGILLESPIE
FAMILY LIV1NGTRUSTAGREEMENT
DATEDFEBRUARY 10, 1997,et ai .
Defendants.
IN "fHECIRCUITCOURTOFTHE FIFTHJUDfCIA.L
CIRCUITOF fLORIDAINANDFOR MARION
COUNTY
GENERAl.,JUltlSDICTIONDIVISION
CASE NO_ ., \ \ S-CFtT
SECTIONNQ.
....._.__....l
CJVILACTIONSUMMONS
YOUARE HEREBYCOMMANDEDto serve thissummons and8 copyofthe complaint on defendant(s):
Unknown spouseof MarkGillespie
7504 SummerMeadowsDrive
Ft. Worth,TX76123
. . '.' Alawsuithas beenfiled againstyou. You have20calendardays afterthis summons isservedonyou to
response totheattachedcomplaintwiththe clerkofthiscourt. Afhonecall ,viU not protectyou;
your response, including thecasenumber given abo\'c and the names 0 the parties. must' be filed ifyou
wantthe courtto hearyour sideofthecase. If you do notIi Ie yourresponse on ti'ne,you may losethecase.and
your wages. money and property may thereafterbe taken \vithout further warningfrom the court. Thereare
otherlegal requirements. You maywant tocallan attomeyrightaway. (fyou do norknow an attorney,you may
callan attomeyrefelTal serviceorlegal aidoffice(listed in the phonebook)
I
If youchooseto fileIi writtenresponse at tho sometimeyou tileyourwrittenresponsetothe .:
("
courtat t10NW l.stAve,Ocala,FL3,44'75. You mustalsomailortakeacarboncopy orphotocopyof)'our 1
Vtrrittcn response to the "plaintiff'sattomeyCi listedbelow:
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DanieUeN. Parsons
Fla. Bar
McCallaRaymer. LLC
225 E. Robinson St. Suito660 I
Orlando. FL32801
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Email:
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J.DELGADO
BY:
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l>EmTY OF COURT .r
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24-6ProcessService
Server:StanSikorski
CourtID:S.C.H.-2482
Date: . Time: _
1MPORTANTE
Usted ha sido dernandado legalmente. Tiene 20 dias contados apartir del recibo de esta notificacion para contester 18
demandaadjunta, porescrito, ypresentarlaanteestetribunal. Una Ilamada teJefonica no ]0 protegera. Siusted deseaqueel
tribunal considere su defensa, debe presentnrsu respuesta porescrho. incluyendo el numero de e8SO y los nombres de las
partes interesadas. Si usted no contesta 18 demandaatiempo) pudjeseperderel casoy podriaserdespojadodesus ingresos
ypropiedades. 0 privadodesusderechos. sin previoaviso del tribuanl. Bxisten otros requisitos legales. Si]odesea puede
used consultar a un abogado inmediatemente. Sf no conoce a un abogado, puede Hamar a una de las oficinas de asistencia
legalqueaparencenen]a guiaterefoniea.
Si desea responder aJademanda porsu cuenta
J
a] mismo tiempoen que presenla su respuesta anteel tribunal debera usted
enviar por correo 0 entregaruna copia de su respuesla a la persona delnoninada abajo como tfPlainUID PlantiffAttorney"
(Demandante 0 Abogado del Demandante).
IMPORTANT
Des poursuites judiciaresont ere enreprises contre vous. Vous avez20joursconsecutifsapartirde 18 date de )tassignation
de cene cit.ation pour deposerune response ecritea18 plaintecijointeaupres de ce tribunal. Un simple coup de telephone
est insuffisant purvousprQteger. Vous ctes obligededeposer votre ecrite.avecmentiondunumerode dossierci...
dessus etdu nOln des parties nommees ici, si vouse souhaitezque Ie tribunal entende votrecause. Si vous ne deposez pas
votre responseccritedans Ie dclai requis, vous risque%de perdre Ja causeainsi que votresalaire votre argent.. etvos biens
peuventetresaisis par la sUite. sans aucun preavisulterieurdu tribunal. II ya d'autresobligationsjuriduqueset vous pouvez
avocat. Sivous.neconnaiassezpasd'avocatc. vous pourrieztelephoneraunser.vicede
referenced'avocats ou aun bureaud'assistancejuridique(tigurantaIlannuairedetelephones)
l-hisnoticeis providedpursuanttoAdministrativeOrderNo.2.031-9196
"fhisnotice is providedpursuanttoAdministrativeOrderNo. 20IO..49-Gen- 7/]2/] 0
ENGLISH
Ifyou are a person with a disability who needs any occomrnodation in order to participate in this proceeding. you are
entitled. at no cost toyou, to the provision ofcertain assistance. Persons with adisabilitywho need anyaccommodation in
order to participate shouldcallTamckaGordon,ADACoordinator. Marion CountyJudicialCenter, 110 N.W. FirstAvenue,
Room S8S Ocals FL34475 at352)401-670Iwithintwo (2)workingdays ofyourreceiptofthis notice; ifyou Dre hearing
impairedcall(800) 9558771; ifyouare voiceimpaired.call (800)955...8770.
SPANlSli
De acuerdo con el Actade los Americanos con Impedimentos. aquellas personas que nccesiten de algOn servicio especial
para participar en este proceso 0 tener acceso 8 servicios
J
programas 6actividades de La Corte deber4n, dentro de un
periodo rasonableantesde cualquierproceso 0 de toner necesidad de acceso aservicios, programas6acttvldades ponerse
en contactocon La Oficina Administrativa de 18 Corte.que esti situadaen MARION COUNTY JUDICIALCENTER. ]10
N.W. AVENUE, ROOM 585 OCALA. FL34475 6 a los telcfonos 352)401-6701 6 (800) 955-8771 (TOO) YSi I
usa efservlcioFloridaRelayServicea'(800)9558770(V).
CREOLE
D'apre' akaki te retavekAkt Pou Amerikin ki [ntim, tout moun ki genyen yon b6zwen espesyal pouakomodasyon pou yo
nan obyen pou gin aks. pwoJ?rarn ak aktivitd tibinar-ta. dw6 nan yon tan r"zonab anvan akin
oubyen bezwen sevis. pwogram oubyen fet yo dw6 konta Otis Tribinal... Ja ki nan MARION COUNTY
JUDICIALCENTER, 110 N.W. FIRSTAVENUE. ROOM S8S OCALA, FL34475 nim6ro1616tbnn-nan sd (352)401..6701,
aubyen (800)955-8711 (TOO)ou byen (800)955-8710(V)an passn paFloridaRelay Service.
FRENCH
En accordance avec l'Acte Pour les Americains J les personnes en besoin d'uneaccommodation pour
participer 6ces procedurcs
J
ou bien pour avoir au service, progamme. ou de la Courtdoivent, dans un temps
raisonable,avantaucuneprocedures ou besoin deservice,progromme ouactivitt
J
contacter)'OfficeAdministrative
de fa Court.. situ6au numero MARION COUNTY JUDICIALCENTER, JION. W. FIRSTAVENUB ROOM S85 OCALA,
FL 34415 Ie de telephone (352)40]...6701) ou (800) 955-8771 (TOD). ou (800) 9558770 (V) au parFlorida Relay
Service.
Electronically Filed 07/08/2013 07:33:04 PM ET
IN THE CIRCUIT COURT OF THE
FIFTH JUDICIAL CIRCUIT OF
FLORIDA IN AND MARION COUNTY
GENERAL JURISDICTION DIVISION
REVERSE MORTGAGE SOLUTIONS, INC., Case No.: 2013-CA-000115
Plaintiff,
v.
MARK GILLESPIE, et al.,
Defendants.
_______________
NOTICE OF DEFENDANTS' CONSENT TO ,JUDGMENT
Defendants, MARK GILLESPIE and JOEITA GILLESPIE AKA UNKNOWN SPOUSE
OF MARK GILLESPIE and ELIZABETH BAUERLE NKA ELIZABETH BIDGOOD
(hereinafter, the "Defendants"), file this Notice of Defendant's Consent to Judgment:
1. The Defendants, MARK GILLESPIE and JOETTA GILLESPIE AKA
UNKNOWN SPOUSE OF MARK GILLESPIE and ELIZABETH BAUERLE NKA
ELIZABETH BIDGOOD, have been named as Defendants in this action.
2. Plaintiff is seeking to recover the property located at 8092 SW 115th Loop,
Ocala, FL 34481 based on an "event of default" under the terms of the Adjustable Rate Note
(Home Equity Conversion) a/kIa "reverse mortgage".
3. Because this is a reverse mortgage, the Defendants have no financial liability
under the terms of the subject loan. See paragraph 7(a) of the Note and 9(a) of the Mortgage.
4. Defendants do not wish to contest entry of final judgment against Defendants.
5. The Defendants desire swift resolution to this action so they hereby give consent
to having Judgment entered in favor of the Plaintiff in this action.
3
CERTIFICATE OF SERVICE
I HEREBY CERTIFY that I have electronically filed via the Florida Courts eFiling
Portal and furnished a true and correct copy of the foregoing to Angela M. Brenwald, Esquire, of
McCalla Raymer LLC, 225 E. Robinson S1., Orlando, FL 32801,
mrservice@mccallaraymer.com; via [x] Email Delivery, today July 5, 2013.
KAUFMAN, ENGLETT & LYND, PLLC
/s/ Anthony J. Solomon
Anthony J. Solomon, Esq.
Florida Bar No. 93057
111 N. Magnolia Avenue, Suite 1600
Orlando, FL 32801
Telephone No.: (407) 513-1900
Primary Email: asolomon@kelattorneys.com
Secondary Email: KELinbox@kelattomeys.com
MARK GILLESPIE
6
BILL MCCOLLUM
ATTORNEY GENERAL
STATE OF FLORIDA
o
~ OF THE ATTORNEY GENERAL
Office of Citizen Services
The Capitol
Tallahassee, Florida 32399-1050
Telephone (850) 414-3990 , SunCom 994-3990
Fax (850) 410-1630, SunCom 210-1630
December 7, 2007
Mr. Neil 1. Gillespie
8092 Southwest 115th Loop
Dear Mr. Gillespie:
Thank you for contacting Attorney General Bill McCollum regarding Barker, Rodems & Cook, P.A.
and the allegation of perjury by Mr. Ryan Christopher Rodems.
The Attorney General's Office does not have jurisdiction in this matter. By contacting The Florida Bar
you have contacted the appropriate agency to review your concerns. The Florida Supreme Court has
designated The Florida Bar as the agency responsible for reviewing grievances against lawyers
licensed to practice in this state. The Florida Bar's decisions are not subject to the Attorney General's
authority.
As the Governor's Office suggested, and as you wish to file a criminal complaint regarding alleged
perjury, please contact the local law enforcement agency and state attorney's office where the criminal
violation occurred. In Florida, the local police or sheriffs department and the elected state attorney in
each judicial circuit are responsible for investigating and prosecuting crime at the local level. Those
authorities operate independently and are not a part of the Attorney General's Office. If you have not
already done so, you may contact the Hillsborough County Sheriffs Office and Thirteenth Judicial
Circuit State Attorney's Office at the following:
Hillsborough County Sheriffs Office
Post Office Box 3371
Tampa, Florida 33601
Phone: (813) 247-8000
Thirteenth Judicial Circuit State Attorney's Office
County Courthouse Annex, Fifth Floor
800 East Kennedy Boulevard
Tampa, Florida 33602
Phone: (813) 272-5400
Otherwise, please continue with your private attorney if you need any legal guidance. An attorney can
give you the legal advice which our office is not at liberty to provide to private individuals. We hope
this proves helpful to you. Thank you for contacting Attorney General McCollum's Office.
Sincerely,
OFFICE OF CITIZEN SERVICES
Florida Attorney General's Office
OCSlba
AN AFFIRMATIVE ACTION/EQUAL OPPORTUNITY EMPLOYER
o
NeilJ.Gillespie
8092 SW115
th
Loop
Ocala,Florida34481
VIAUS PRIORITYMAIL
DELIVERYCONFIRMATION
0306240000007670 1444
December5,2007
AttorneyGeneralBillMcCollum
OfficeoftheAttorneyGeneral
TheCapitol
Tallahassee,Florida32399
DearAttorneyGeneralMcCollum:
GovernorCristencouragedmetoexpressmyconcernstoyouconcerningafraud
schemeperpetratedbymyformerlawyersattheTampalawfirmBarker,Rodems&
Cook,P.A. AcopyofGovernorCrist'sletterisenclosed,alongwithmyoriginalletter
andenclosllrestotheGovernor. Thefollowingisabriefdescriptionofthefraudscheme
andsubsequentattemptsbymyformerlawyerstoobstructjusticewhenIsuedthem. For
moredetailsaboutthismatter,pleaseseemylettertoGovernorCristandenclosures.
Myformerlawyerspressuredmetointerveneintheirpreviouslyfiledclass-action
lawsuitwhentheirinitialplaintiffprovedunqualifiedtorepresenttheclass. Thelawsuit
wascaptionedEugeneR. Clementv. AMSCOTCorporation,caseno. 8:99-2795-CIV-T-
26C,UnitedStatesDistrictCourt,MiddleDistrictofFlorida,TampaDivision. The
actionwascommencedDecember9, 1999,bytheTampalawfirmAlpert,Barker,
Rodems, Ferrentino&Cook,P.A. Mr. Alpert'sfirmdissolvedsoonafterhis
unsuccessfulrunforstateattorneyin2000,andfollowinghisinfamouscoffee-throwing
incidentagainstattorneyArnoldLevine. ThreelawyersfronlMr. Alpert'sfirmthen
formedanewlawfirm, Barker,Rodems& Cook,P.A,whoassumedthecase.
Barker,Rodems&Cook,P.A. failedtoprevailandthelawsuitwasdismissed.
Anappealwasfiled, andnegotiationspursued,becausethedefendantwantedtosettleso
thatabusinessdealcouldmoveforward. Thesettlementnegotiationsweremarkedbya
$5,000.00"unlawfulpayoffattempt"bydefenseattorneyJohnAnthony,followedbymy
ownlawyers' fraud, breachoffiduciaryduty, andbreachof contract,aschemedesigned
totakemostof thesettlementproceedsasattorneys' fees. Specifically,Barker,Rodems
& Cook,P.A. prepared,butdidnotsign,acontingentfee agreement. ThenWilliamCook
toldmethatthecourtawardedhisfirm$50,000.00inattorney'sfees inanattemptto
avoidthetermsof thecontingentfee agreement. Ireceivedanominalsettlementof
o
Attorney General Bill .ollum Page - 2
Office of the Attorney General December 5,2007
$2,000.00, as did the other two co-plaintiffs. However, had Barker, Rodems & Cook,
P.A. honored the terms of the contingent fee agreement, the three plaintiffs would have
received $8,224.78 each, and the law firm would have received $31,325.46. But because
my former lawyers failed their fiduciary duty to their clients, the law firm unlawfully took
an additional $18,675.54 by fraud and breach of contract.
My initial complaint to The Florida Bar was made June 7, 2004, TFB No. 2004-
11,734(13C), and was investigated by William L. Thompson, Assistant Staff Counsel.
Six months into the investigation Mr. Thompson was removed from the inquiry and left
the bar. At that point Susan V. Bloemendaal, Chief Branch Disciplinary Counsel, took
over and shut down the investigation on what appear to be inappropriate grounds. My
subsequent complaint about Mr. Cook's failure to report the $5,000.00 "improper payoff
attempt" from opposing counsel was dismissed (TFB No. 2006-11,194 (13D)). Likewise,
my complaint about Mr. Cook's failure to sign a contingent fee agreement and his failure
to account for the settlement proceeds in a Closing Statement, was dismissed contrary to
substantial evidence, bar rules, and supporting case law. (TFB No. 2007-10,004 (13D)).
When The Florida Bar failed to hold my former lawyers accountable for their
misconduct, I commenced a civil lawsuit, Gillespie v. Barker, Rodems & Cook, P.A. and
William J. Cook, case no.: 05-CA-7205, Hillsborough County Circuit Civil Court. (Exhibit
A). At that time I was unable to find counsel willing to take the case, and I proceeded pro
see Since then I found a lawyer in Gainesville to represent me and the case is active. As a
pro se litigant I established a cause of action for fraud and breach of contract. (Exhibit B).
In retaliation my former lawyers countersued me for libel. (Exhibit C).
Barker, Rodems & Cook, P.A. is represented by attorney Ryan Christopher
Rodems of the firm. During tIle time I represented myself, Mr. Rodems made a false
affidavit to the Court abollt an argument we had, where Mr. Rodems swore under oath
that I intended to attack him in Judge Nielson's charrlbers. Mr. Rodems' false affidavit
prejudiced the Court against me. When a recording of the argument proved Mr. Rodems
lied to the Court, Judge Nielsen recused himself. The case then went to Judge Isom who
was also prejudiced by Mr. Rodems' perjury, and she recused herself. Judge Isom said in
open court that I could bring Mr. Rodems' perjury to the attention of law enforcement.
You may consider this letter as my first attempt to comply with Judge Isom's directive.
Currently Judge Barton has the case and I am represented by attorney Robert W.
Bauer of Gainesville. Mr. Rodems' aforementioned perjury was calculated to obstruct
justice, intimidate me as a witness, and deny me due process of law. This matter has
consumed a considerable amount of legal resources, including (so far) three circuit court
judges and two interlocutory appeals to the Second District Court of Appeals.
HALT, the legal reform organization, has reviewed my civil lawsuit and provided
background information and case law for a fraud and breach of contract lawsuit against an
attorney in HALT's amicus curiae brief in the Illinois case of Cripe v. Leiter. HALT
argued that over-billing a client is not part of the practice of law, and that lawyers are
AttorneyGeneralBill.onum
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Page- 3
OfficeoftheAttorneyGeneral December5,2007
subjecttostatutoryconsumerprotectionlawindealingwiththeirclients. HALTalso
provideditsamicus brieffiled inthematterofMarkM. Hager,adisciplinarymatterin
tIle DistrictofColumbia. HALTarguedthatMr. Hagershouldbedisbarredforstealing
hisclientssettlementmoney. EnclosedyouwillfindcopiesofHALT'samicus briefs.
Inadditiontotheabovedescribedunlawfulbehavior,Barker,Rodems& Cook,
P.A. hascountersuedmeforlibeloveraletteraboutmyinitialbarcomplaint. Thelibel
counterclaimiscontrarytotheholdingofFloridaSupremeCourtcase,Tobkinv. Jarboe,
710 So.2d975 (1998),whichrecognizesabsoluteimmunityforacomplainantwho
followsTheFloridaBar'sgrievanceprocedures. Barker,Rodems& Cook,P.A.hasalso
accusedmeofcriminalextortionforutilizingTheFloridaBar'sAttorney Client
Assistance Program (ACAP),whichrequiresacomplainantmakeagood-faitheffortto
resolvethematterpriortomakingaformal complaint. Bothmattersaredescribedin
n10re detailintheaccompanyingexhibitsandletters.
ThusfarTheFloridaBarhasexcusedmyformerlawyers' misconduct,andhas
doneso inaparticularmanner. SusanBloemendaal,theChiefBranchDisciplinary
CounseloftheTampaoffice,haspersonallyintervenedonbehalfofmyformerlawyers.
OnseveraloccasionsMs. Bloemendaalhasreplacedtheindividualbarcounselwhowere
investigatingmycomplaints,andthenrenderedherowndecisionthatmerelyadoptedmy
former lawyers' defenses. OnotheroccasionsMs. Bloemendaalapparentlybypassed
assignmenttoindividualbarcounselaltogether,reviewedthecomplaintsherself,and
simplyreiteratedmyformerlawyers' positioninexcusingtheirmisconduct. Ineach
instanceMs. Bloemendaalplayedfastandloosewiththefacts, andreacheduntenable
conclusionsoflaw. Inotherwords,Ms. Bloemendaalwhitewashedmycomplaint.
Thelocalstateattorney,MarkOber,hasnottorespondtomycorrespondence.
MyletterstoMr. OberareenclosedinExhibitE,tabnumber47.
Thankyoufortheopportunitytobringthismattertoyourattention. Ihavedone
soattheencouragementof GovernorCharlieCrist. Shouldyouwanttopursuethis
matter,Icanprovideadditionalinformation. Forexample,Ihavetranscriptsofthecourt
proceedings,andtranscriptsofmyphonecallswithMr. Rodems. Ihavealso submitted
totheCourtPlaintiffsMotionWithAffidavitForAnOrderToShowCauseWhyRyan
ChristopherRodemsShouldNotBeHeldInCriminalContemptOfCourtAnd
IncorporatedMemorandllffiOfLaw. Themotionhasnotyetbeenheard. Themotionsets
forthMr. Rodems'perjurythatwascalculatedtoobstructjustice,intimidatemeasa
witness,anddenymedueprocessoflaw. JudgeIsomsaidIcouldbringthismattertothe
attentionoflawenforcement. PleaseinvestigatethisperjuryasJudgeIsomsuggested.
Sincerely,
< .. :.:/ L ~ ,
eilJ. l l ~ i e . ~
AttorneyGeneralBill.Ollum
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Page- 4
Officeof theAttorneyGeneral December5,2007
cc: GovernorCharlieCrist(letteronly)
Enclosures:
ExhibitA: ComplaintForFraudAndBreachOfContract
ExhibitB: OrderOnDefendants'MotionToDismissAndStrike
ExhibitC: Answer,AffirmativeDefensesAndCounterclaim
ExhibitD: PlaintiffsMotionForPunitiveDamagesPursuantToSection768.72FloridaStatutes
ExhibitE: ListOfExhibits(1 through50)totheabovemotion
HALT' samicus curiae briefintheIllinoiscaseofCripev. Leiter
HALT' samicus curiae briefinthematterofMarkM. Hager
LetterfromGovernorCharlieCristdatedNovember21,2007
LettertoGovernorCharlieCrist,October22,2007(letteronly)
LettertoMr. FranciscoR. Angones,President,TheFloridaBar,October22,2007(letteronly)
LettertoMr. DonaldM. Spangler,Director,ACAP,October16,2007(letteronly)
LettertoMr. KennethLawrenceMarvin,DirectorofLawyerRegulation,October12,2007
LettertoMr. KennethLawrenceMarvin,Directorof LawyerRegulation,June20,2007
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a
OFFICE OF THE ATTORNEY GENERAL
Office of Citizen Services
The Capitol
Tallahassee, Florida 32399-1050
Telephone (850) 414-3990 SUNCOM 994-3990
FAX (850) 410-1630 SUNCOM 210-1630
December 14,2007
Mr. Neil J. Gillespie
8092 Southwest 115th Loop
Dear Mr. Gillespie:
Per your request, we are enclosing copies of the documents you previously forwarded to
this office.
We will retain your information in our consumer files to help this office organize its
priorities. Thank you for contacting the Attorney General's Office.
Sincerely,
OFFICE OF CITIZEN SERVICES
Florida Attorney General's Office
OCS/fb
Enclosures
ANAFFIRMAnVEACnON/EQUALOPPORTUNITYEMPLOYER
NeilJ.Gillespie
8092SWIIS
th
Loop
Ocala,Florida34481
Telephone: (352)854-7807
VIAFIRSTCLASSMAIL
December11,2007
AttorneyGeneralBillMcCollum
Officeof theAttorneyGeneral
TheCapitol
Tallahassee,Florida32399
DearAttorneyGeneralMcCollum:
ThankyouforyourletterdatedDecember7,2007.(copyenclosed). Inorderfor
metocomplywithyourreferrals,Iwillneedthereturnof thedocumentsIprovidedyou.
Alistof theenclosuresisprovidedbelow. Iamwillingtopaythecostof returningmy
documents. Youmaycallmeattheabovephonenumberforpaymentbycreditcard,or
youmaysendabillwiththedocumentsandIwillsendpayment. Pleaseadvise.
Sincerely,
ExhibitA: ComplaintForFraudAndBreachOfContract
ExhibitB: OrderOnDefendants'MotionToDismissAndStrike
ExhibitC: Answer,AffirmativeDefensesAndCounterclaim
ExhibitD: Plaintiff'sMotionForPunitiveDamagesPursuantToSection768.72FloridaStatutes
ExhibitE: ListOfExhibits(1 through50)totheabovemotion
HALT'samicus curiae briefintheIllinoiscaseof Cripev. Leiter
HALT' samicus curiae briefinthematterofMarkM. Hager
LetterfromGovernorCharlieCristdatedNovember21,2007
LettertoGovernorCharlieCrist,October22,2007(letteronly)
LettertoMr. FranciscoR. Angones,President,TheFloridaBar,October22,2007(letteronly)
LettertoMr. DonaldM. Spangler,Director,ACAP,October16,2007(letteronly)
LettertoMr. KennethLawrenceMarvin,Directorof LawyerRegulation,October12,2007
LettertoMr. KennethLawrenceMarvin,Directorof LawyerRegulation,June20,2007
10
copy
BARKER,RODEMS& COOK
PROFESSIONALASSOCIATrON
ATIORNEYSATlAW
CHRISA BARKER Telephone8 1 3 4 8 9 ~ 1 1
400NorthAshleyDrive,Suite2100
RYANCHRISTOPHERRODEMS
Facsimile 813/489-1008
WILLIAM].COOK Tampa, Florida33602
April26,2011
TheHonorableJamesD. Arnold
CircuitCourtJudge
CircuitCivil,Division"J"
800E. TwiggsStreet,Room514
Tampa,Florida 33602
Re: NeilJ.Gillespiev.Barker,Rodems& Cook,P.A.,
aFloridaCorporation;andWilliamJ.Cook
CaseNo.: 05-CA-7205;Division"J"
DearJudgeArnold:
EnclosedpleasefindacourtesycopyofDefendants'Motionto StrikeProSeFilingsbyPlaintiff
whichwasfiledonevendateintheabove-referencedmatter. ByOrderofthisCourtentered
November15,2010,Mr. Gillespieisprohibitedfromfilinganydocumentsprosee
Thankyouforyourtinleandattentiontothismatter.
Respectfullysubmitted,
RCR/so
Enclosure
cc:NeilJ.Gillespie(w/encl)
11
Main Office
400Nonh Tampa Street, Suite3200 300Nonh Hogan Street, Suite 700
o
o
Tampa, Florida 33602 Jacksonville, Florida 32202-4270
813/274-6000
904/301-6300
813/274-6200(Fax) 904/301-6310(Fax)
2110FirstStreet, Suite3-137
u.s. Department of Justice
501 WestChurch Street, Suite300
FonMyers, Florida 33901 Orlando, Florida 32805
239/461-2200 United StatesAttorney 407/648-7500
239/461-2219(Fax) 407/648-7643(Fax)
MiddleDistrictof Florida
Replyto: Orlando, Florida
August1,2007
VIAUNITEDSTATESMAIL
Neil J. Gillespie
8092 SW 115
th
Loop
Ocala, Florida34481
Re: YourJuly6, 2007letter
DearMr. Gillespie:
Thisis in responsetoyourJuly6, 2007letter. Asyou know, Iam nolongerwith
the FloridaAttorneyGeneral'sOffice. Ileftthatofficeattheend of2002, and Ihave
had no professionaldealingswithAceCash oranyofthe paydayloancasessincemy
departure. Forthatreason and others, IdonotbelievethatIamtheappropriateperson
towhomyourlettershould be directed. Asafederal prosecutor, Iam primarily
responsibleforprosecutingviolationsoffederal lawthatareinvestigated bylaw
enforcement. Yourrequestforan investigationneedsto bedirectedtoan investigating
agency.
Ihaveenclosedthematerialsthatyou sentme.
Sincerely,
JAMES R. KLINDT

By:
AssistantUnited StatesAttorney
13
o
o
Neil J. Gillespie
8092SW115
th
Loop
Ocala,FL 34481
Telephone:(352)854-7807
email:neilgillespie@mfi.net RECEIVED
U.S. ATTORNFY'S OFFlCE
llUL 09Z007
July6, 2007
MIDDLE DISTRICT at=: FLORIDA
ORLANDO
RogerB. Handberg,Assista
US AttorneyOffice
501 W. ChurchStreet, Suite
Orlando,FL32805-2281
ntUS Attorney
300
DearMr. Handberg,
Sometimeago,inyourpositionwiththeFloridaAttorneyGeneral,youroffice
intervenedinalawsuitwhereIwasaplaintiffina"paydayloan"lawsuit,Neil Gillespie
v. ACE Cash Express, Inc., caseno. 8:00-CV-723-T-23B,inUnitedStatesDistrictCourt,
MiddleDistrictofFlorida,TampaDivision. ImetyouduringamediationJune 12,2002,
attheofficeof GasperJ. Ficarrotta. JustpriortothemediationIcalledACE'scounsel,
PaulWatson,tocomplainaboutmyownlawyers' behaviorandtotrytosettlemy
involvementinthelawsuit. Iamwritingyouaboutthecrimesof myformerlawyers.
MylawyerwasWilliamJ. Cookof Barker,Rodems& Cook,P.A. Mr. Cook
beganrepresentingmewhilehewaswiththefirmAlpert,Barker,Rodems,Ferrentino&
Cook,P.A. Mr. CookalsorepresentedmeinanotherpaydayloancaseagainstAmscot
Corporation. ThatcasesettledOctober30,2001,andIsuspectedthatmylawyers
defraudedmeduringthesettlement,butIcouldnotproveitatthetime. Forexample,
Amscot'slawyer,JohnAnthony,initiallyofferedMr. Cooka$5,000.00"improperpayoff
attempt"tosettlethecase. ShortlythereafterMr. Cooktoldmethathehadreceiveda
$50,000.00court-awardforcostsandattorneys'fees, andthatthisawardtookprecedent
overourcontingentfeeagreement,therebylimitingmyrecovery.
In2003 IlearnedthatMr. Cookdidnotreceive$50,000.00incourt-awardedcosts
andattorneys' fees, andthatMr. Cookdefraudedme. IcontactedTheFloridaBar,but
myformerlawyersaccusedmeofextortionforutilizingBar'sAttorney Consumer
Assistance Program (ACAP)inagood-faithefforttoresolvemydisputewithout
litigation. In2005 Isuedmyformerlawyersforfraudandbreachofcontract,andthey
countersuedmeforlibeloveraletteraboutthebarcomplaint.
InitiallyIproceededprosebecauseIcouldnotfindalawyerwillingtolitigate
againstmyformerlawyers,inpartbecauseof theirreputation,whichIlaterlearned
Roger B. Handberg, s ~ n t US Attorney
o
Page - 2
July 6,2007
includes Mr. Alpert throwing coffee in the face of opposing counsel during a mediation.
Nonetheless I prevailed on Mr. Cook's motion to dismiss and Judge Nielsen found I
stated a cause of action for fraud and breach of contract. Ryan Rodems is representing
Mr. Cook and the firm, and shortly thereafter he filed a false affidavit about a threat of
violence. A voice recording of the conversation later proved Mr. Rodems lied,
committed perjury, and Judge Nielsen recused himself. The antics continued with Judge
Isom, and she recused herself. Now Judge Barton has the case. In April, 2007 I found a
lawyer in Gainesville willing to take the case, Robert W. Bauer, but the case has been
damaged due to Mr. Rodems perjury and obstruction ofjustice.
My former lawyers are incompetent, not just because they failed to prevail in any
of the payday loan claims, but because of the coffee-throwing and other antics. In my
view these lawyers are little more than criminals with law degrees. Their behavior is
outrageous, and certainly more grievous than that of the payday lenders they sued.
I am writing you today about the criminal fraud by my former lawyers. Also, I am
complaining about Mr. Rodems' perjury, obstruction ofjustice, and his threats of
criminal prosecution issued to me during the course of litigation. The local state attorney,
Mark Ober, has not responded to my correspondence.
Enclosed you will find Plaintiffs Motion for Punitive Damages Pursuant to
Section 768.72 Florida Statues, with supporting exhibits 1 through 50. I believe this
document sets forth the facts needed to assist with your evaluation of my request. Also
enclosed is an amicus curiae brief in the Illinois case of Cripe v. Leiter. Amicus HALT
argued that over-billing a client is not part of the practice oflaw, and that lawyers are
subject to statutory consumer protection law in dealing with their clients.
Thank you for your consideration.
enclosures
c o
Neil J. Gillespie
8092 SW 115
1h
Loop
Ocala,FL34481
VIAUNITEDSTATESCERTIFIEDMAIL
Articleno.: 70060100000733661075
October2, 2007
RogerB. Handberg,AssistantUS Attorney
US AttorneyOffice
501 W. ChurchStreet,Suite300
Orlando,FL32805-2281
DearMr. Handberg,
ThankyouforyourletterofAugust 1, 2007. Afterreadingyourresponse,Iam
confusedwhenyoudirectedmetoaninvestigatingagencyforaninvestigationofmy
former lawyers'criminalconduct. Inmy lettertoyouofJuly6, 2007,IwrotethatI
contactedthelocal StateAttorney,MarkOber,butthathedidnotrespondtomy
correspondence. IalsoprovidedyoucopiesofmyletterstoMr. Oberasexhibitsto
PlaintiffsMotionforPunitiveDamagesPursuanttoSection768.72FloridaStatues,
specificallythreelettersgroupedasexhibitnumber47,lettersdatedMarch7
th
, 16
1h
and
24
Ih
,2006. Inaddition,IwroteMr. OberonJuly 15,2006requestingareplytomy
correspondence,buthedidnotrespond. Isn'tMr. Ober,theStateAttorneyforthe
ThirteenthJudicialCircuit,theproperinvestigatingagency? Ifnot,whois?
ItakeMr. Ober'sfailureto replyoracknowledgemycorrespondenceasevidence
ofhistacitapprovalofmyformerlawyers' wrongdoing. TheStateAttorney'sfailure
deniedmycivilrightstoequalprotectionunderlaw,therightto dueprocess,protection
fromwitnessintimidationand/ortampering,andobstructionofjustice.
Icontactedyoubecauseasafederal prosecutor,youareresponsiblefor
prosecutingviolationsoffederal law. InthisinstancetheStateAttorneyhasdeniedmy
civilrights. Citizenshavefederal civilrightsthatparalleltheirstatecivilrights,and
historicallywhenthestatefailsto upholdacitizen'scivilrights,theU.SDepartmentof
Justiceacts. ThatiswhyIbelieveyouhaveboththeauthorityanddutytoact.
~ y ,
a ~ ~ -
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"PADDOCK BRANCH POST OFFICE"
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Customer Copy
STATEOFFLORIDA
DEPARTMENTOFBANKINGAND FINANCE
AND
OFFICEOFTHEAnORNEYGENERAL
INRE:
ACECASHEXPRESS,INC.d/b/a
ACEAMERICA'SCASHEXPRESS, DBF CASE NO.: 9177-F-9/02
----------------
I
SETILEMENTAGREEMENT
TheFloridaDepartmentofBankingand Finance, Division ofSecuritiesandFinance
("DBF"),theOfficeoftheAttorneyGeneral (UAttorneyGeneral")and ACECash Express, Inc.
d/b/aACEAmerica'sCashExpress("Respondent"or"ACE")agreeas follows:
1. JURISDICTION. OBFis charged\vith the administrationofChapter516, 560,
and 687,Florida andtheAttorneyGeneral ischarged\viththeadministrationof

Chapters501, 559,687, 895" and 896, FloridaStatutes. Thisagreementapplies toFlorida
transactionsonly.
2. BACKGROUND.
AttorneyGeneral
a. TheAttorneyGeneral movedtointerveneas plaintiffintwo civil cases
thatwerependingagainst contendingthatACEhad violated Chapters501,
516, 559, 687, 895, and 896, FloridaStatutes, in connection withdeferred
.
depositcheckcashingservices.providedby ACE in Floridapriorto ApriL.2000.
Thosecasesare: Eugene aJld Neil Gille.. \pie alld .. ofFlorida,
Office qfthe Atlorlley Gellert,l, Depllrtnlent ofLegal Affairs liS. ACE Cash
Express. IIIC., Allerilative FinclJlcia/, IIIC ofthe Treas11re Il1e., Raymond
c. Henln1ig, DOllold H. Neusll1dl. Kll)' I). Zilliox, J. Schmitt, and unknowl1
FINAL
entities Gnd individuals, No. 9909730, in the Circuit Court for
the Thirteenth Judicial District of Florida (the "Clement" case); and Betls v. Ace
Cash 927 So.2d 294 (Fla. 5
th
DCA 2002), (the "Betts" case). DBF was
not a named party in either case.
b. ACE and the other defendants disagreed with the claims made by the
Plaintiffs and the Attorney General in each of those cases.
c. The Attorney General's Inotion to intervene in the Betts case was denied.
d. In the Clement case, the individual Plaintiffs' clailns were dismissed with
prejudice, leaving the Attorney General as the sole Plaintiff. The Attorney
General's RICO claims were dislnissed with prejudice and are subject ofa
pending appeal before the Second District Coul1 of AppeaJ ofFlorida styled ..')tate
ofFlorida, Qffice ofthe AI/oriley General v. Zilliox, Case No. 2002-2340
(consolidated with Case No. 2002-3] 13). All of the claims asserted bythe
Attorney General in' the Clement case are to be settled pursuant to this
Agreement, with the Attorney General voluntarily dismissing their claims.
e. ACE 'and the individual defendants have denied and continue to deny that
they engaged in any wrongdoing., and this Agreement shall not constitute any
adlnission of any wrongdoing or liability on the part of ACE or any of the
individual defendants.
f. The, Attorney General and ACE wish to avoid the time and expense
involved, in further litigation.
FINAL 2
Department of Banking and Finance
g. Goleta National Bank, a national bank located in Goleta, California
("Goleta"), has offered loans to residents of Florida since April 2000. ACE has
provided agency services to Goleta related to those loans in Florida. On October
25 and 28, 2002. ACE and Goleta entered into separate consent orders with the
Office of the Comptroller of the Currency of the United States ("OCC"), pursuant
to which Goleta agreed, among other things, to generally cease the origination,
renewal and rollover of its loans in Florida and ACE agreed, among other things,
to generally cease providing services to Goleta related to the origination, renewal
and rollover of such Goleta loans, both by no later than December 31, 2002.
Goleta, ACE and the OC..c agreed that the loans provided by Goleta and serviced
by ACE were made pursuant to 12 U.S.C. 85 and that the interest rate charged
by Goleta was permissible under the laws of the United States for national banks
located in the State of California. DBF was not a party to the agreement between
Goleta, ACE, and the OCC..
h. ACE also offers a bill paying service through which it offers to accept or
receive voluntary utility payments from its Florida customers and, for a fee,
electronically transmit the payment to the utility. The DBF has informed ACE
that to offer this service, ACE should be licensed as a Funds Transmitter under
Part II, Chapter 560, Florida Statutes. ACE disagrees with the position taken by
the DBF, but, to avoid the expense and uncertainty of litigation. ACE agreed to
file, and has pending with OBF. an application to act as a Funds Transmitter
FINAL J
..,
underPartII.. Chapter560,FloridaStatutes. TheDBFwill issuethatlicense, as
well asthelicenseauthorizingACE toactasaDeferredPresentmentProvider
underPartIV, Chapter560,FloridaStatutes,onorbeforethe effectivedateofthis
Agreement. Aceagreesthatfuturetransactions involvingthetransmissionof
funds will begovernedbytheprovisionsofPart II, Chapter560, FloridaStatutes,
and ACE will complywiththoseprovisions in all futuretransactions.
i. ACE is licensedwith DBFas aCheck Casherunder PartIII, Chapter560,
FloridaStatutes.
PurooseandIntent
J. Thepartieswishtoresolveand to releaseanyclailnsthatwere asserted,or
could havebeenasserted,orcouldbeasserted, becauseoforarising from the
investigation,litigation,pr regulatoryreviewconductedbythe DBV orthe
AttorneyGeneral.
k. TheDBFagreesthatACEhas fullycooperatedwith itin this matter.
I. Itis theintentofthepartiesthatthisagreementbeimplementedpromptly,
and withoutinjuryorinconvenienceto ACE customers.
m. Itis.theintentofthepartiesthatOBF issueorrenewany authorizationor
licensenecessaryforACEto toofferservicesin Florida, including
deferredpresentmenttransactions.. checkcashing, bill paying
9
debitcard
transactions, money wiretransfersand otherproductsthatareauthorized
underFloridalaw.
n. It'istheintentofthepartiesthatthisagreementbeimplementedwithout
causingcompetitivedisadvantageto ACE..
FINAL 4
3. CONSIDERATION. ACE, the DSF, and the Attorney General agree as follows:
8. ACE will cease providing agent services to Goleta in connection with the
origination,:'-enewal, or rollover of any Goleta loans in the State of Florida by
December 31, 2002. ACE may, howevef, continue to provide services to Goleta
related to the servicing and collection of Goleta loans originated, renewed, or
rolled overin the State of Florida before January 1, subject to paragraph
3(g) below.
b. ACE has applied fOf.. and DBF agrees to issue upon the issuance of the
final order contelnplated by this agreelnent, a license with an effective date of
December 30, 2002, authorizing ACE to act as a Deferred Presentment Provider
under Part IV, Chapter Florida Statutes. ACE agr,ees not to enter into any
deferred presentment trapsactions in Florida unless such deferred presentment
transactions are completed in accordance with Part IV-, Chapter 560, Florida
Statutes. DBF agrees that ACE may act as a Deferred Presentment Provider under
Part IV, Chapter 560.. Florida Statutes, and as a Funds Transmitter under Part II,
Chapter 560, Florida Statutes, between December 30, 2002 and the issuance of
the final' order, provided that all such funds transmission .and .deferred presentment
transactions engaged in during this tilne period are otherwise completed in
accordance with Part II, Chapter 560, Florida Statutes, and Part IV, Chapter 560,
Florida Statutes. OBF agrees that this is consistent with the public interest and
will not constitute a violation of this Agreement or any applicable law, including
but not limited t0
9
501 .. 516,559,560,687,895 and 896, Florida
Statutes, or an Rules related to those statutes.
FINAL 5
c. ACE represents and warrants that it has obtained the consent of Goleta so
that no Goleta loans entered into before 'the effective date of this Agreement will
be extendect (except for the custolners' five-day extension options that are part of
the terms ofoutstanding loans) or converted, without full payment by the Goleta
loan customers, to any other type of transaction. Where applicable., ACE agrees
that it will not otler deferred presentlnent services to a Goleta loan customer
unless that customer's Goleta loan is or cancelled in accordance with
paragraph 3(g)-below. DBF agrees that the continued services provided under
the Goleta loan prograln authorized by this and by paragraph 3(a)
above are consistent with the public interest and will not constitute a violation of
this Agreement or any applicable including but not lilnited to, Chapters 501,
516.. 559, 560, 687, 8951lnd 896, Florida Statutes., or any Rules related to those
statutes.
d. DBF agrees to issue to ACE licenses pursuant to Part II, Chapter 560,
Florida Statutes, and Part IV, Chapter 560, Florida Statutes, with an effective date
of December 30, 2002 upon the issuance of the final order contemplated in this
Agreement. ACE and the DSF agree that, until the issuance of the final
contemplated in this. agreement.. ACE will continue to offer its bill paying service
in order to avoid injury to those customers who rely on that service. DBF and the
Attorney General agree that continuing to offer that service is consistent with the
public interest and will not constitute a violation of this Agreement or any
applicable law, including but not limited to, Chapters 501 .. 516, 559, 560, 687,
895, and 896.. Florida Statutes, or any Rules related to those statutes.
FINAL 6
e. DBF acknowledges that no additional in.formation is needed from ACE for
it to issue the Ijcenses contemplated by this Agreement..
f: ACe agrees to paya total of $500,000 in settlement and for issuance by
DBF of authorizations, licenses, or other approvals necessary for ACE to continue
in business in Florida, and for the releases in paragraphs 7 and 8 below. Of the
$500.000 total settlelnent, ACE has agreed to pay $250,000 to the DBF
Regulatory Trust Fund in full satisfaction of all attorney's fees, costs, and other
expenses incurred by the DBF in connection with this matter and, ACE has agreed
to deliver to the Attorney General, a contribution of$250,000 to the Florida State
University College of Law in full satisfaction of all attorney's fees, costs and
other expenses incurred by the Attorney General in connection with this matter.
These amounts will be p ~ by check, and will be delivered to the DBF or the
Attorney General upon entry of the Final Order as provided for herein.
g. ACE represents and warrants that it has obtained the consent of Goleta so
that loans that are delinquent as of October I,2002. and remain unpaid as of the
effective date of this agreement, from customers who engaged in Goleta loan
transactions commenced or originated before October I, 2002 in Florida
(collectively" the "Goleta Loan Custonlers") need not be repaid,. and the debt
owed to Goleta from Goleta Loan Customers will be cancelled.
h. If Goleta, either directly or through ACE, its agent,. .has notified a credit-
reporting agency ofa Goleta Loan Customer's delinquent debt to Goleta, then
ACE represents and warrants that it has obtained the consent of Goleta for ACE to
notify the credit agency that the delinquent amount has been cancelled. .
FINAL 7
I. In addition to the amount specified in paragraph 3(f) above, ACE will pay
up to $15,000 for an independent audit of the loan cancellations provided in
paragraph above, the credit reporting notifications provided in paragraph 3
(h) above, and verification of compliance with the transition from the Goleta loan
product to the state licensed product contemplated in paragraph 3(b) and 3(c)
above. DBF will select the independent auditor, after consultation with ACE.
The independent auditor selected will be required to report to the DBF within 90
days of the selection.
j. The entry ofa Final Order by OBF in the form of the Attachment to this
agreement.
k. Within 10 days after the entry of the final order contemplated herein, the
Attorney General will with prejudice its lawsuit, Eugene R. Clement alld
Neil Gillespie and State ofFlorida. qffice ofthe Attorney General, Department of
Legal Affairs vs. ACE Cash Express, IIlC., Altemative Financial, Inc., JS ofthe .
Treasure Coast, blc.,.Raymond C. Hemmig, DOllald H. Neustadt, Kay D. Zil/iox,
RonaldJ. Schmitt, alld unknown emilies and Consolidated Case No.
9909730, in the Circuit Court for the Thirteenth Judicial District of Florida, as to
all defendants.
1. Within 10 days after the entry of the final order contemplated in 30)
above, the Attorney General will dismiss with prejudice its appeal ofany orders in
the Clement case..litigation. including State ofFlorida, Office ofthe Attorney
General v. Zi//iox, Case No. 2002-2240 and Slale ofFlorida, Office ofthe
Attomey Gener,,1 1'. AItematil;e FiflCI/lc:i"t, /flC., Case No. 2002-3113.
FINAL 8
4. CONSENT. Without adlnitting or denying any wrongdoing, Respondent
consents to the issuance by the DBF ofa Final Order, in substantially the form of the attached
Final Order, which the terms of this Agreelnent.
5. FINAL ORDER. The Final Order incorporating this Agreelnent is issued
pursuant to Subsection 120.57(4),. Florida Statutes, and upon its issuance shall be a final
administrative order.
6. WAIVERS. Respondent knowingly and voluntarily waives:
a. its right to an adlninistrative hearing provided for by Chapter 120, Florida
Statutes,. to contest the specific agreements included in this Agreement;
b. any requirelnent that the Final Order incorporating this Agreenlent contain
separately stated Findings of Fact and Conclusions of Law or Notice of Rights;
c. its right to the isslJance ofa Recommended Order by an administrative law
judge froln the Division of Adlninistrative Hearings or froln the DBF;
d. any and all rights to object to or challenge in any judicial proceeding,
including but not limited to, an appeal pursuant to Section 120.68.. Florida
Statutes, any aspect, provision or requirement concerning the content, issuance,
procedure or timeliness of the Final Order incorporating this Agreement; and
e. any causes of action in law or in equity, which Respondent may have
arising out of the specific matters addressed in this agreement. DBF for itself and
the DBF.Released Parties, this release and waiver by Respondent without
in any way acknowledging or admitting that any such calise of action does or may
exist, and DBF, for and the DBF Released Parties, expressly denies that any
such right or cause of action does in .fact exist.
FINAL 9
7. ATIORNEY GENERAL The Attorney Genera]9 for himselfand
his predecessors. successors and assigns, hereby waives, releases and forever discharges ACE, its
predecessors, successors, aniliates, subsidiaries and parent corporations, shareholders, directors,
officers, attorneys, employees, agents.. franchisees and assigns, and Goleta, and its predecessors,
successors, affiliates, subsidiaries and parent corporations, shareholders, directors, officers,
attorneys, employees, agents, franchisees and assigns (collecti,vely, the "ACE Released Parties"),
from any and all claims, demands.. causes of action.. suits, debts, dues.. duties, sums of money,
accounts, fees, penalties, damages, judglnents'l 'Iiabi-tities and obligations, both contingent and
fixed, known and unknown.. foreseen and unforeseen. anticipated and unanticipated, expected
and unexpected, related to or arising out of Goleta's or ACE's operations in Florida prior to the
effective date of this agreement. This release includes.. but is not limited to, any claims related to
any loans renewed, or rolled over.bY Goleta in Florida and any services provided by ACE
or its franchisees related thereto.. any clainls related to any violation of Chapters 501,516,559,
560,687, 772, 895 and 896, Florida any clailns related to check cashing services
provided prior to the effective date of Part IV, Chapter 560, Florida and any claims
related to any licensing requirements for the services provided by ACE to its customers in
Florida prior to the effective date of this agreement. Without limiting the generality of the
foregoing, this release also includes all claims asserted or that could have been or could be
asserted against the parties named as defendants or that could have been named as defendants in
ElIgel1e R Clen1ell1 alld Neil Gi//eSlJie clIld (!f Flori,la, ofthe Att()rlley Gel/era!, .
Departn1!11t ofLegal A.ffairs liS. Ex/Jress. IIIC., A/JerI/alive Financial, [IIC., ,)5' a/the
rreaS!,re (;oast. IIIC., Raynl011d !-!enlnlig, [Jollald H. Neustadt. Kay [J. Zilliox, ROl1ald J.
GIld l1111a,OlVII entities and iJ,divi,hlllls, No. 99 09730. ACE, for itself
FINAL 10
and on behalf of the ACE Released Parties, accepts this release and waiver by the Attorney
General without in any way acknowledging or adlnitting that any such cause of action does or
may exist, and ACE, for and on behalf of the ACE Released Parties, expressly denies that
any such right or cause of action does in fact exist. Respondent hereby releases and
forever discharges the Attorney General and his respective employees.. agents, and
representatives (collectively, the lL Attorney'General Released Parties") from any causes of action'
in law or in equity, which Respondent may have arising out of the specific matters in
this agreement. The Attorney General, for themselves and the Attorney General Released
Parties, accept this release and waiver by Respondent without in any way acknowledging' or
admitting that any such cause of action does or may exist, the Attorney General, for himself and
the Attorney General Released Parties, expressly deny that any such right or cause of action does
in fact exist.
8. DEPARTMENT OF BANKING AND FINANCE RELEASE. The DBF, for
itself and its predecessors, successors and assigns, hereby waives, releases and forever
discharges ACE and its predecessors, successors, subsidiaries and parent corporations,
shareholders, directors, officers, attorneys, elnployees, agents, franchisees andass-igns, and
Goleta, and its predecessors.. successors, affiliates, subsidiaries and parent corporations,
shareholders, directors, officers, attorneys.. employees, agents, franchisees and assigns
(collectively, the "ACE Released Parties"), froln any and all claims, demands, causes ofaction,
suits, debts, dues, duties, sums of money, accounts, fees, penalties, damages.. judgments,
liabilities and obligations, both contingent and fixed, known and unknown, foreseen and
unforeseen, anticipated and un.anticipated, expected and related to or arising out of
the conduct of ACE and/or Goleta in connection with the offering of deferred presentment
FINAL 11
services or loans in \vhere such conduct occurred prior to the effective date of this
Agreement.. This release includes.. but is not liJnited to, any claims related to any.loans made,
renewed, or rolled over by poleta in 'Florida and any services provided by ACE or its franchisees
related thereto, any claims related to any violation of Chapters 501, 516, 559, 560,687, 772, 895
and 896, Florida LS'tatllles.. any claims related to check cashing selVices provided prior to the
effective date of Part IV, Chapter 560, F/orid(J .."Illlllles, and any claims related to any licensing
requirements for the services provided by ACE to its custolners in Florida prior to the effective
date of this Agreelnent. ACE, for itself and on behalf of the ACE Released Parties, accept this
release and waiver by the Attorney General and the DBF without in any way acknowledging or
adtnitting that any such cause of action does or may and ACE
9
for itself and on behalf of
the ACE Released Parties, expressly denies that any such right or cause of action does in fact
exist.
9. EXCLUSION. This release does not include any claiIns under Chapter 560,
Florida Statutes, against franchisees of ACE related to deferred presentment transactions
engaged in after the effective date of Part IV.. Chapter 560" Florida Statutes, unless such
transactions were under the Goleta loan program.
10. ATTORNEYS' FEES. Each party to this Agreement shalJ be solely
for its separate costs and attorneys' fees incurred in the prosecution, defense or negotiation in
this matter up to entry of the Final Order incorporating this Agreelnent and the dismissals by the
Attorney General provided for in 3 (k) and 3 (I) above.
11. EFFECTIVE DATE. The effective date of this agreement is December 2002.
12. FAILURE TO COMPLY. Nothing in this Agreelnent limits Respondent's right
to contest any finding or determination made by DBF or the Attorney General concerning
FINAL 12
Respondent's alleged failure to comply with any of the terms and provisions ofthis Agreement
or of the Final Order incorporating this Agreement.
WHEREFORE. in of the foregoing. DBF. the Attorney General. and ACE
execute this Agreement on the dates indicated below.
DEPARTMENT OF BANKING AND FINANCE
By: Date:
D N SAXON
Division Director
OFFICE 0t)TR
By:
Date:
RICHARD DORAN. Attorney General
ACE CASH EXPRESS, INC., d/b/a
ACE AMERICA'S CASH EXPRESS
By: Date:
ERIC C. NORRINGTON
Vice President
STATE OF FLORIDA
COUNTY OF _
BEFORE ME, the undersigned authority. personally appeared
as of ACE CASH EXPRESS. TNC.. d/b/a ACE AMERICA'S CASH
EXPRESS, who is personally known to me or who has produced
______--'- as identification. and who. after being duly sworn. states that he
has read and understands the contents of this Agreement and voluntarily executed the same on
behalfof ACE CASH EXPRESS. INC.. d/b/a ACE AMERICA'S CASH EXPRESS.
FINAL 13
Respondent'sallegedfailuretocomp1y any of thetennsarid provisionsofthisAgreement
oroftheFinalOrderincorporatingthisAgreement.
WHEREFORE.inconsidirationoftheforegoing, DBF,theAttome}"General,andACE
1.
executethisAgreementonthedatesindicatedbelow.
DEPARTMENT OF BANKINGAND FINANCE
By: Date:
DON SAXON
DivisionDirector
Date:
OFFICEOF
By:
RICHARDDORAN,AttorneyGeneral
ACECASHEXPRESS,INC.,d/b/a
ACEA RICA'SCASHEXPRESS
By: Date:
STATEOFFLORlDA
COUNTYOF
----
BEFOREME\the-undersignedauthority,personallyappeared _
as of ACE CASHEXPRESS,INC.,dIo/a ACE AMERICA"S CASH
EXPRESS,who is personallyknowntomeor\vhohasproduced
___________as identification,andwho, afterbeingdulysworn,statesthathe
hasreadandunderstandsth-econtentsofthisAgreementandvoluntarilyexecutedthesameon
behalfofACECASHEXPRE-SS.INC.,d/b/aACE AMERICA'8CASHEXPRESS.
FINAL 13
SWORNANDSUBSCRI.BEDbeforeme this__dayof ,2002.
NOTARY PUBLIC
StateofFlorida
Print Nalne:
My COlnlnission No.:
My C0111111ission Expires:
(SEAL)
FINAL 14
A
ACE Cash Express, Inc.
1231 Greenway Drive #600
Irving, Texas 75038
A"CE
(972) 550-5000
AIoIf",.."iC<\JIr'",'Ue
INVOICE
COMMENT GROSS DEDUCTION AMOUNTPAID
NUMBER DATE
12123/02 12123/02 Settlement
250,000.00 250.000.00
PAYMENTADVICE
WELLSFARGOBANK
A
CHECK
ACE Cash Express, Inc. NUMBER 005132
1231 Greenway Drive #600
Irving, Texas 75038
ACE
(972) 550-5000
AMf'CA'SGuNUJlfUJe
DATE AMOUNT
12/19/02 $**.... ~ 5 0 . 0 0 0 . 0 0
PAY TwoHundredFiftyThousand 00/1 00dollars**....*****************..*************************'*******....*****..*******'**'*
TOTHEORDEROF
FlordiaState UniversityCollegeofLaw
425WestJeffersonStreet
Tallahassee, FL32306 ..
.
liP
liP
II005 Ii :I 211 I:~ ~ ~ 0 ~ ?a?0I:..? 5 b30011811
8

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Harkness, Executive Director February 7, 2014

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