# Brown v. Care Front Funding

> District Court, M.D. Florida · April 6, 2023

URL: https://www.frixlaw.com/law-library/cases/10742191

## Case

- **Court:** District Court, M.D. Florida
- **Decided:** April 6, 2023
- **Opinion:** 100trialcourt
- **Cited by:** 0 later opinions in the Frix Law Library

## Citator (automated)

- No negative treatment found by the automated citator. That is not the same as a confirmation that the case is good law; read the citing cases.
- Full citator and citing cases: https://www.frixlaw.com/law-library/cases/10742191

## How later opinions describe it (automated extraction)

- noting that the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692 et seq., “does not apply to the loan obtained by [plaintiff], which was a loan for a business, not for ‘personal, family, or household purposes’”

## Opinion text

UNITED STATES DISTRICT COURT
MIDDLE DISTRICT OF FLORIDA
TAMPA DIVISION

STEPHANIE BROWN,

Plaintiff,

v. Case No: 8:22-cv-2408-VMC-JSS

CARE FRONT FUNDING,

Defendant.
___________________________________/
REPORT AND RECOMMENDATION
Plaintiff moves for entry of final default judgment against Defendant Care Front
Funding, d/b/a Capfront, Inc. pursuant to Federal Rule of Civil Procedure 55 and for
an award of attorneys’ fees and costs. (Motion, Dkt. 16.) For the reasons that follow,
the undersigned recommends that the Motion be granted in part and denied in part.
BACKGROUND
Plaintiff, a resident of Florida, brings this action against Defendant on behalf of
herself and a class of similarly situated individuals seeking damages, an injunction,
and declaratory relief for violations of the Telephone Consumer Protection Act
(TCPA), 47 U.S.C. § 227, and Florida’s Telephone Solicitation Act (FTSA), Fla. Stat.
§ 501.059. (Dkt. 1.) In the Complaint, Plaintiff alleges that on or around June 12,
2009, she “placed herself on the do not call list indicating that she, as a subscriber, did
not wish to receive unsolicited telephonic calls.” (Id. ¶¶ 35, 42.) Nevertheless, Plaintiff
alleges that in August 2022, she received three unsolicited phone calls from Defendant
for the purpose of persuading Plaintiff to obtain a business loan. (Id. ¶¶ 36–43.)
Plaintiff alleges that she suffered actual harm as a result of the calls, including the
invasion of her privacy, aggravation, annoyance, intrusion on seclusion,

inconvenience, lost time in investigating the origin of the calls, and the taking of
memory on her cellular phone. (Id. ¶¶ 44–46.)
Plaintiff served the summons and Complaint on Defendant’s registered agent
on October 28, 2022 and filed an executed return of service. (Dkt. 7.) Defendant failed
to answer or otherwise respond to the Complaint. On December 20, 2022, Plaintiff

moved for entry of a clerk’s default (Dkt. 12), and the Clerk of Court subsequently
entered default against Defendant (Dkt. 13). Plaintiff now moves for entry of default
judgment against Defendant as to Plaintiff’s individual claims pursuant to Federal
Rule of Civil Procedure 55(b)(2) 1 and for an award of attorneys’ fees and costs. (Dkt.

16.)2
APPLICABLE STANDARDS
When a party fails to plead or otherwise defend a judgment for affirmative relief,
the clerk of the court must enter a default against the party against whom the judgment
was sought. Fed. R. Civ. P. 55(a). If the plaintiff’s claim is for a sum certain or an

ascertainable sum, then the clerk, upon the plaintiff’s request supported by an affidavit

1 Concurrently with the Motion, Plaintiff filed a notice of voluntary dismissal pursuant to Federal Rule
of Civil Procedure 41(a)(1)(A)(i) of the class claims brought in the Complaint. (Dkt. 15.)
2 Pursuant to Federal Rule of Civil Procedure 55(b)(2), Defendant is not entitled to notice of Plaintiff’s
Motion because Defendant never appeared in or defended against this action. Nevertheless, Plaintiff
served the Motion on Defendant through U.S. Mail and email on February 14, 2023. (Dkt. 16 at 24.)
Defendant has not appeared to oppose the Motion.
showing the amount due, must enter a default judgment. Fed. R. Civ. P. 55(b)(1). In
all other cases, the party entitled to judgment must apply to the district court for a
default judgment. Fed. R. Civ. P. 55(b)(2). A court may enter a default judgment

against a defendant who never appears or answers a complaint “for in such
circumstances the case never has been placed at issue.” Solaroll Shade & Shutter Corp.
v. Bio-Energy Sys., Inc., 803 F.2d 1130, 1134 (11th Cir. 1986).
A defaulted defendant is deemed to admit the plaintiff’s well-pleaded allegations
of fact. Cotton v. Mass Mut. Life Ins. Co., 402 F.3d 1267, 1278 (11th Cir. 2005);

Nishimatsu Const. Co. v. Houston Nat. Bank, 515 F.2d 1200, 1206 (5th Cir. 1975).3
However, “before entering a default for damages, the district court must ensure that
the well-pleaded allegations in the complaint, which are taken as true due to the
default, actually state a substantive cause of action and that there is a substantive,

sufficient basis in the pleadings for the particular relief sought.” Tyco Fire & Sec., LLC
v. Alcocer, 218 F. App’x 860, 863 (11th Cir. 2007) (emphasis omitted). Therefore, in
considering whether to enter default judgment, the court must first determine whether
the complaint states a claim for relief. GMAC Com. Mortg. Corp. v. Maitland Hotel
Assocs., Ltd., 218 F. Supp. 2d 1355, 1359 (M.D. Fla. 2002) (“A default judgment cannot

stand on a complaint that fails to state a claim.”) (citing Chudasama v. Mazda Motor
Corp., 123 F.3d 1353, 1370 n.41 (11th Cir. 1997)). In addition to the pleadings, the
court may also consider evidence presented in support of the motion for default

3 In Bonner v. City of Pritchard, 661 F.2d 1206, 1209 (11th Cir. 1981) (en banc), the Eleventh Circuit
adopted as precedent the decisions of the former Fifth Circuit rendered prior to October 1, 1981.
judgment, including affidavits. See E.E.O.C. v. Titan Waste Servs. Inc., No. 3:10-cv-379-
MCR-EMT, 2014 WL 931010, at *6 (N.D. Fla. Mar. 10, 2014); Super Stop No. 701, Inc.
v. BP Prod. N. Am. Inc., No. 08-61389-civ, 2009 WL 5068532, at *2 n.4 (S.D. Fla. Dec.

17, 2009) (noting that “unchallenged affidavits are routinely used to establish liability
and damages” at default judgment); see also Shandong Airlines Co. Ltd. v. CAPT, LLC,
650 F. Supp. 2d 1202, 1207 (M.D. Fla. 2009) (relying on declaration and documentary
evidence to support plaintiff’s alleged damages on default).

ANALYSIS
A. Service of Process
A district court lacks jurisdiction over a defendant who was not properly served
with process and may not enter default judgment against that defendant. Colclough v.
Gwinnett Pub. Schs., 734 F. App’x 660, 662 (11th Cir. 2018) (“Given the improper

service, the Court lacked jurisdiction over the matter and could not render a default
judgment or enter default.”); Varnes v. Local 91, Glass Bottle Blowers Ass’n, 674 F.2d 1365,
1368 (11th Cir. 1982) (default judgment entered against defendant who was not
properly served is void); see also Murphy Bros. v. Michetti Pipe Stringing, Inc., 526 U.S.
344, 350 (1999) (“In the absence of such service (or waiver of service by the defendant),

a court ordinarily may not exercise power over a party the complaint names as
defendant.”). To be entitled to a default judgment, Plaintiff therefore bears the burden
to establish proper service of process on Defendant Care Front Funding, d/b/a
Capfront, Inc. See,e.g., Rajotte v. Fabco Metal Prod., LLC, No. 6:12-cv-372-Orl-28, 2012
WL 6765731, at *2 (M.D. Fla. Dec.13, 2012), report and recommendation adopted, 2013
WL 57722 (M.D. Fla. Jan 4, 2023) (denying motion for default judgment without
prejudice due to improper service).

Pursuant to Federal Rule of Civil Procedure 4(h), a corporation, partnership, or
unincorporated association located in a judicial district of the United States may be
served “by delivering a copy of the summons and of the complaint to . . . any [] agent
authorized by appointment or by law to receive service of process and—if the agent is
one authorized by statute and the statute so requires—by also mailing a copy of each

to the defendant[.]” Plaintiff filed a return of service indicating that service was made
on Defendant by delivering a copy of the summons, complaint, certificate of interested
persons, and notice of lead counsel to an authorized individual at Defendant’s
registered agent for service in Mineola, New York on October 28, 2022. (Dkt. 7.)
Accordingly, the undersigned recommends that Plaintiff has properly effected service

on Defendant.
B. Liability
1. Telephone Consumer Protection Act, 47 U.S.C. § 227
Plaintiff alleges in Count I of the Complaint that Defendant negligently and
willfully violated section 227(c)(5) of the TCPA, 47 U.S.C. § 227(c)(5). (Dkt. 1 ¶¶ 57–

63.) Section 227(c)(5) provides a private right of action to “[a] person who has received
more than one telephone call within any 12-month period by or on behalf of the same
entity in violation of the regulations prescribed under this subsection[.]” 47 U.S.C. §
227(c)(5). Thus, to state a claim under section 227(c)(5) of the TCPA, Plaintiff must
allege that she received more than one call within a year, by or on behalf of Defendant,
and in violation of a Federal Communications Commission (FCC) regulation
prescribed under the TCPA. See Nece v. Quicken Loans, Inc., No. 8:16-cv-2605-T-

23TBM, 2017 WL 2865047, at *1 (M.D. Fla. Jan. 3, 2017).
Pursuant to regulations promulgated by the FCC, “[t]he National Do Not Call
Registry is maintained by the federal government, and telemarketers are prohibited
from soliciting residential telephone subscribers who have registered their numbers on
the list.” Cordoba v. DIRECTV, LLC, 942 F.3d 1259, 1265 (11th Cir. 2019) (citing 47

C.F.R. § 64.1200(c)(2)). This prohibition similarly applies to telephone solicitations
and telemarketing calls made to “wireless telephone numbers.” Klassen v. Protect My
Car Admin Servs., Inc., 599 F. Supp. 3d 1243, 1245 (M.D. Fla. 2021) (quoting Becker v.
Pro Custom Solar LLC, No. 2:19-cv-535-FtM-29-NPM, 2020 WL 474647, at *6 (M.D.

Fla. Jan. 29, 2020) (citing 47 C.F.R. § 64.1200(e))). The FCC defines “telephone
solicitation” as a telephone call or message “for the purpose of encouraging the
purchase or rental of, or investment in, property, goods, or services” except “with that
person’s prior express invitation or permission[.]” 47 C.F.R. § 64.1200(f)(15).
“Telemarketing” is defined as “the initiation of a telephone call or message for the

purpose of encouraging the purchase or rental of, or investment in, property, goods,
or services, which is transmitted to any person.” Id. § 64.1200(f)(13). In the context
of the TCPA, “[t]he receipt of more than one unwanted telemarketing call . . . is a
concrete injury that meets the minimum requirements of Article III standing.” Evans
v. Ocwen Loan Servicing, LLC, No. 21-14045, 2022 WL 17259718, at *1 (11th Cir. Nov.
29, 2022) (quoting Glasser v. Hilton Grand Vacations Co., LLC, 948 F.3d 1301, 1306 (11th
Cir. 2020)).
In her Complaint, Plaintiff alleges that she placed her cell phone number on the

National Do Not Call Registry on or around June 12, 2009. (Dkt. 1 ¶¶ 35, 42.)
Plaintiff further alleges that Defendant or Defendant’s agents called Plaintiff’s cell
phone number three times in August 2022 to solicit business by “attempting to
persuade Plaintiff to obtain a loan.” (Id. ¶¶ 36–39.) Plaintiff alleges that she is “the
subscriber and sole user of [her phone number] and is financially responsible for phone

service to [her number].” (Id. ¶ 43.) These facts, which are deemed admitted by
Defendant’s default, Cotton, 402 F.32 at 1278, are sufficient to state a claim for
Defendant’s violation of section 227(c)(5) of the TCPA. See, e.g., Klassen, 599 F. Supp.
3d at 1245–46 (finding allegations sufficient to state a claim under section 227(c) where

plaintiff listed her phone number on the Do Not Call Registry in May 2007 and
defendant “allegedly called that number at least five times ‘for solicitation purposes’”
in 2020); Nece, 2017 WL 2865047, at *1 (plaintiff stated a claim under section 227(c)
based on allegation that she “listed her number on the do-no-call-registry, but
[defendant] called [her] several times within a year to solicit business”); Becker, 2020

WL 474647, at *6 (denying motion to dismiss and finding allegations sufficient where
plaintiff alleged that defendant “called him for the purposes of marketing and
solicitation,” by trying “to sell [him] solar panels and [] schedule an appointment for
solar panel installation during the phone calls”) (internal quotation marks removed).
Accordingly, the undersigned recommends that Plaintiff has established Defendant’s
liability under section 227(c)(5) of the TCPA.
2. Florida Telephone Solicitation Act, Fla. Stat. § 501.059

Plaintiff alleges in Count II of the Complaint that Defendant violated “Fla.
Stat[.] § 501.059(8)(a) and Fla. Stat[.] § 501.059(1)(g) by using an automatic telephone
dialing system and/or pre-recorded voice messages to make non-emergency telephone
calls to the cell phone[] of Plaintiff[.]” (Dkt. 1 ¶¶ 69–74.) Section 501.059(8)(a)
prohibits a person from “mak[ing] or knowingly allow[ing] a telephonic sales call to

be made if such call involves an automated system for the selection or dialing of
telephone numbers or the playing of a recorded message when a connection is
completed to a number called without the prior express written consent of the called
party.” Fla. Stat. § 501.059(8)(a). Section 501.059(1)(g) provides the requirements for
a written agreement to establish the “prior express written consent” of the called party.

Id. § 501.059(1)(g). The FTSA defines “telephonic sales call” in relevant part as a
telephone call “to a consumer for the purpose of soliciting a sale of any consumer
goods or services, soliciting an extension of credit for consumer goods or services, or
obtaining information that will or may be used for the direct solicitation of a sale of
consumer goods or services or an extension of credit for such purposes.” Id. §

501.059(1)(j). “Consumer goods or services,” in turn, is defined as:
real property or tangible or intangible personal property that is normally
used for personal, family, or household purposes, including, but not
limited to, any such property intended to be attached to or installed in
any real property without regard to whether it is so attached or installed,
as well as cemetery lots and timeshare estates, and any services related to
such property.
Id. § 501.059(1)(c).
Upon consideration of the Complaint, the undersigned recommends that
Plaintiff has failed to allege sufficient facts to establish Defendant’s liability for
violations of sections 501.059(8)(a) and 501.059(1)(g) of the FTSA. In particular,

Plaintiff fails to allege that Defendant made “telephonic sales calls” for the solicitation
of a sale of or extension of credit for any “consumer goods or services” as defined by
the statute. See Nishimatsu Const. Co., 515 F.2d at 1206 (“There must be a sufficient
basis in the pleadings for the judgment entered.”).
In analyzing the provisions of the FTSA, the court’s inquiry “begins with the

statutory text, and ends there as well if the text is unambiguous.” Bellitto v. Snipes, 935
F.3d 1192, 1200 (11th Cir. 2019) (quoting BedRoc Ltd., LLC v. United States, 541 U.S.
176, 183 (2004)). “The plainness or ambiguity of statutory language is determined by
reference to the language itself, the specific context in which that language is used, and
the broader context of the statute as a whole.” Id. (quoting Robinson v. Shell Oil Co., 519

U.S. 337, 341 (1997)). Here, the unambiguous language of section 501.059(8)(a),
under which Plaintiff has brought Count II, is that it applies only to “telephonic sales
calls” made without the called party’s prior written consent. Fla. Stat. § 501.059(8)(a).
The statute further unambiguously defines “telephonic sales call” as a telephone call
for the purpose of soliciting a sale of any consumer goods or services, soliciting an

extension of credit for any consumer goods or services, or obtaining information that
will or may be used for the direct solicitation of a sale of consumer goods or services
or an extension of credit for such purposes. Fla. Stat. § 501.059(1)(j). The statute
similarly unambiguously defines “consumer goods or services” as “real property or

tangible or intangible personal property that is normally used for personal, family or
household purposes . . . and any services related to such property.” Id. § 501.059(1)(c).
Thus, as written, section 501.059(8)(a) does not apply to telephone calls made for the
purpose of soliciting a sale of or extending a line of credit for goods or services that are
not “normally used for personal, family, or household purposes.” Id.

Although the FTSA “is remedial in nature [and] should be construed liberally
in favor of consumers,” Legg v. Voice Media Grp., Inc., 990 F. Supp. 2d 1351, 1354 (S.D.
Fla. 2014), courts are “not allowed to add words to or rewrite a statute.” Smith ex rel.
MS v. Crisp Reg’l Hosp., Inc., 985 F.3d 1306, 1309 (11th Cir. 2021); see also Meadows v.

Franklin Collection Serv., Inc., 414 F. App’x 230, 236 (11th Cir. 2011) (rejecting
plaintiff’s “invitation to stretch and distort the meaning of ‘telephone solicitation’”
under the TCPA); Soto Leigue v. Everglades Coll., Inc., No. 22-CV-22307, 2022 WL
11770137, at *4 (S.D. Fla. Oct. 20, 2022) (interpreting the FTSA’s prohibitions to
include calls related to education services because “[h]ad the Florida Legislature

intended to exclude communications related to educational services or university
courses from the ambit of the FTSA, it certainly could have done so explicitly”).
Indeed, courts have interpreted similar statutes that provide for “consumer”
protections related to goods and services that are “primarily for personal, family, or
household purposes” to exclude goods and services in the business context. See, e.g.,
Lingo v. City of Albany Dep’t of Cmty. & Econ. Dev., 195 F. App’x 891, 893 (11th Cir.
2006) (noting that the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692 et seq.,
“does not apply to the loan obtained by [plaintiff], which was a loan for a business,

not for ‘personal, family, or household purposes’”); Korkmas v. Onyx Creative Grp., 298
So. 3d 690, 692 (Fla. 1st DCA 2020) (interpreting Florida’s Consumer Collection
Practices Act, Fla. Stat. §§ 559.72 & 559.77 to not apply where “[i]t is undisputed that
[defendant] provided the loan to [plaintiff] for her business venture . . . as opposed to

some ‘personal, family, or household purpose’”) (emphasis in original); Lindemann v.
Glob. Servs. Grp., LLC, No. 8:18-cv-1546-T-33SPF, 2018 WL 4774963, at *4 (M.D. Fla.
Oct. 3, 2018) (finding allegations sufficient to warrant default judgment but noting that
the FDCPA “is limited to ‘consumer debt’ . . . and does not cover business debts”)
(citations omitted); cf. Urquiaga v. Fin. Bus. & Consumer Sols., Inc., No. 16-cv-62110-

BLOOM/Valle, 2016 WL 6877735, at *3 (S.D. Fla. Nov. 22, 2016) (finding
“consumer debt” element sufficiently pleaded where complaint alleged attempt to
collect on debt related to a student loan).
Neither Plaintiff’s Complaint nor her Motion contain any allegation that
Defendant called Plaintiff for the purpose of soliciting a sale, extension of credit, or

information related to any consumer goods or services as defined by the FTSA.
Instead, Plaintiff alleges only that Defendant called her phone number to solicit
Plaintiff’s interest in a “business loan.” (Dkt. 1 ¶ 36) (emphasis added); see also (Dkt. 16-
4 at 2 (“After the beep, I heard Defendant’s agent on the line, who asked me if I needed
a business loan.”). Plaintiff also submits an email she received from Defendant
following the calls, which supports that the calls were made for business solicitation
purposes rather than to solicit a sale, line of credit, or information for “consumer goods
or services.” See (Dkt. 16-2 (“Based on what you told me, I’m confident that my team

can secure a much more cost-effective funding solution for your business than anything
you’ve seen in the past! . . . If you’d like to learn more about what we can do for your
business e-sign our 1-page application here . . . and reply to this email with your last 3
full months of business bank statements[.]”).) Plaintiff also alleges in the Complaint
and argues in the Motion that Defendant is liable because it made multiple “non-

emergency telephone calls” without human intervention to Plaintiff’s phone number.
(Dkt. 1 ¶ 72; Dkt. 16 at 7.) However, as explained above, section 501.059(8)(a)
requires that the telephone calls be “telephonic sales calls” rather than “non-
emergency” calls. Compare Fla. Stat. § 501.059(8)(a) with 47 U.S.C. § 227(b)(1)

(prohibiting use of an automatic dialing system or artificial or prerecorded voice to
make any call “other than a call made for emergency purposes or with the prior express
consent of the called party”).
Section 501.059(8)(a) of the FTSA unambiguously defines the type of calls that
it prohibits, and the facts alleged in Plaintiff’s Complaint fail to establish Defendant’s

liability under that section. See GMAC Com. Mortg. Corp., 218 F. Supp. 2d at 1359 (“A
default judgment cannot stand on a complaint that fails to state a claim.”); Little v.
Halsted Fin. Servs., LLC, No. 8:16-cv-578-T-36AEP, 2017 WL 897428, at *3 (M.D. Fla.
Mar. 7, 2017) (“Since the Court lacks sufficient factual allegations to determine
whether the alleged debt was a consumer debt as defined by the FDCPA, it cannot
grant default judgment at this time.”); Grace v. Ability Recovery Servs., LLC, No. 3:18-
cv-962-J-39JRK, 2019 WL 11499374, at *2 (M.D. Fla. Mar. 12, 2019) (“Plaintiff,
however, has failed to state a claim under the FDCPA and the FCCPA because she

has not offered sufficient factual allegations that she has been the object of collection
activity arising from consumer debt.”). Accordingly, the undersigned recommends
that Defendant’s Motion be denied as to Count II for violations of sections
501.059(8)(a) and 501.059(1)(g) of the FTSA.

C. Damages
Having found that Plaintiff has established Defendant’s liability under the
TCPA, the undersigned considers Plaintiff’s entitlement to damages under that statute.
In the Motion, Plaintiff seeks only statutory damages for Defendant’s violations of the
TCPA. (Dkt. 16 at 12.) Plaintiff states that she is not seeking additional actual

damages, and makes no reference to pursuing the injunctive and declaratory relief
sought in the Complaint. See (Dkt. 1 at 21.) Accordingly, the undersigned considers
only Plaintiff’s request for $500 in statutory damages for the first call to Plaintiff’s
phone, and $1,500, or treble damages, for each of the two calls made to Plaintiff’s
phone after she informed Defendant that she was not interested in Defendant’s

services. (Dkt. 16 at 13–14.)
Pursuant to 47 U.S.C. § 227(c)(5), a party may receive up to $500 for each
violation of the TCPA, and “[i]f the court finds that the defendant willfully or
knowingly violated the regulations prescribed under this subsection, the court may, in
its discretion” award treble damages. 47 U.S.C. § 227(c)(5). “The requirement of
‘willful[ ] or knowing[ ]’ conduct requires the violator to know he was performing the
conduct that violates the statute.” Lary v. Trinity Physician Fin. & Ins. Servs., 780 F.3d
1101, 1107 (11th Cir. 2015) (citation omitted).

Initially, the undersigned finds that a hearing is not required to determine a
damages award because “sufficient evidence is submitted to support the request.”
Wallace v. The Kiwi Grp., Inc., 247 F.R.D. 679, 681 (M.D. Fla. 2008). Federal Rule of
Civil Procedure 55(b)(2) “speaks of evidentiary hearings [to determine a plaintiff’s
damages] in a permissive tone.” S.E.C. v. Smyth, 420 F.3d 1225, 1232 n.13 (11th Cir.

2005) (“We have held that no such hearing is required where all essential evidence is
already of record.”) The undersigned finds, in its discretion, that a hearing is not
required to determine Plaintiff’s damages as sufficient evidence is in the record to
establish Plaintiff’s statutory damages pursuant to the TCPA. See, e.g., Jeffery v. E. Asset

Servs., LLC, No. 8:17-cv-1361-T-27-JDW-AAS, 2018 WL 3999663, at *2 (M.D. Fla.
July 27, 2018), report and recommendation adopted, 2018 WL 3999639 (M.D. Fla. Aug.
21, 2018) (awarding TCPA damages without requiring hearing).
Upon consideration, the undersigned recommends that Plaintiff is entitled to
$500 for each of Defendant’s three calls to Plaintiff’s phone in violation of the TCPA,

for a total of $1,500. See 47 U.S.C. § 227(c)(5). With respect to Plaintiff’s request for
treble damages for two of the phone calls, the undersigned finds that Plaintiff’s
allegations and her declaration in support of the Motion (Dkt. 16-4) fail to establish
that Defendant “willfully or knowingly” violated the TCPA and the regulations
prescribed thereunder. For instance, courts have found treble damages warranted
where a plaintiff explicitly tells a defendant to stop calling, and the defendant persists
in contacting the plaintiff. See, e.g, Milana v. DECA Fin. Servs., LLC, No. 8:18-cv-450-
T-33TGW, 2018 WL 3621366, at *3 (M.D. Fla. July 30, 2018) (awarding treble

damages for two calls after plaintiff revoked consent by “previously instruct[ing]
Defendant to stop calling her”); Ewton v. Pushpin Holdings, LLC, No. 8:16-cv-00978-
CEH-TBM, 2017 WL 882081, at *4 (M.D. Fla. Mar. 6, 2017) (awarding treble
damages for calls after plaintiff “expressly revoked her consent by mailing [defendant]
a ‘Do Not Call’ letter”). That is not the case here. Rather, Plaintiff alleges only that

during the first call, she “explicitly informed Defendant that Plaintiff was not
interested in Defendant’s services.” (Dkt. 16 at 16); see also (Dkt. 1 ¶ 37 (“The Plaintiff
stated she was not interested and hung up.”); Dkt. 16-4 at 2 (“I replied that I was not
interested and hung up.”).) Indeed, Plaintiff’s description of the third call indicates

that Defendant may not have even been aware of Plaintiff’s statement that she was not
interested in Defendant’s services. See (Dkt. 1 ¶ 38 (“This time, the live agent acted
like it did not know who Plaintiff was or that she had already been called.”).)
Moreover, even in TCPA cases where plaintiffs have expressly stated to
defendants that they do not want to be contacted, “when liability is established through

default judgment rather than the merits, courts routinely award the minimum statutory
damages.” Jeffery, 2018 WL 3999663, at *2 (declining to award treble damages for 32
calls “after [plaintiff] notified [defendant] it did not have [her] consent to place these
calls”) (citation omitted); Oliver v. BPO USA LLC, No. 3:19-cv-990-J-32MCR, 2020 WL
7364211, at *1 (M.D. Fla. Nov. 24, 2020), report and recommendation adopted, 2020 WL
7351567 (M.D. Fla. Dec. 15, 2020) (declining to award treble damages for text
messages after Plaintiff “contacted Defendant and told them [] to quit contacting him
entirely”); Castro v. Cap. One Servs., LLC, No. 8:16-cv-889-T-17TGW, 2017 WL

4776973, at *4–5 (M.D. Fla. Aug. 3, 2017) (declining to award treble damages under
the TCPA where plaintiffs alleged that “Defendants called them numerous times, both
prior to and after they told the Defendants they did not consent to receiving further
telephone calls”); Arnold v. Source Sols. Mgmt., LLC, No. 8:20-cv-2519-SCB-SPF, 2021
WL 2515204, at *5–6 (M.D. Fla. Apr. 27, 2021) (declining to award treble damages

where plaintiff alleged that she informed defendant to stop calling, but the allegations
“lack sufficient detail to establish the Defendant willfully and knowingly violated the
TCPA”); see also Ris v. ICollect.com, Corp., No. 8:16-cv-2414-T-30AAS, 2017 WL
2620545, at *2 (M.D. Fla. June 16, 2017) (“Plaintiff’s Complaint does not include

factual allegations sufficient for the Court to find that Defendant willfully or
knowingly violated the TCPA.”). Accordingly, the undersigned recommends that
Plaintiff is entitled to $500 for each of Defendant’s three calls to Plaintiff in violation
of the TCPA for a total of $1,500.
D. Attorneys’ Fees and Costs

In the Motion, Plaintiff asserts that she is entitled to an award of attorneys’ fees
pursuant to the FTSA, section 501.059(11)(a) of the Florida Statutes. (Dkt. 16.)
Section 501.059(11)(a) provides that “[i]n any civil litigation resulting from a
transaction involving a violation of this section, the prevailing party, after judgment in
the trial court and exhaustion of all appeals, if any, shall receive his or her reasonable
attorney’s fees and costs from the nonprevailing party.” Fla Stat. § 501.059(11)(a). As
discussed above, the undersigned recommends that Plaintiff has not established a
violation of the FTSA, and thus is not entitled to attorneys’ fees under that statute.

Additionally, the TCPA does not provide for an award of attorneys’ fees in a private
action. 47 U.S.C. § 227; Brooks v. Caliber Home Loans, Inc., No. 8:17-cv-1247-T-27AEP,
2017 WL 3634606, at *2 (M.D. Fla. Aug. 22, 2017). Accordingly, the undersigned
recommends that Plaintiff is not entitled to attorneys’ fees in this matter. See M.D.
Fla. Local R. 7.01(a) (creating a bifurcated procedure in which a party seeking

attorney’s fees “must obtain an order determining entitlement before providing a
supplemental motion on amount”).
Plaintiff also seeks $677.71 in taxable costs, which includes a filing fee, service
of process charges, and costs for printing and postage. (Dkt. 16 at 21–22; Dkt. 16-3 at

5.) Federal Rule of Civil Procedure 54(d)(1) states that “[u]nless a federal statute, these
rules, or a court order provides otherwise, costs—other than attorneys’ fees—should
be allowed to the prevailing party . . . . The clerk may tax costs on 14 days’ notice.”
Fed. R. Civ. P. 54(d)(1). Taxable costs under Rule 54 are enumerated in 28 U.S.C. §
1920 and include fees of the clerk and marshal and fees for the costs of making copies

of any materials where the copies are necessarily obtained for use in the case. 28
U.S.C. § 1920. However, “[w]hile Section 1920 allows for the taxation of costs, the
Clerk must initially tax costs.” Lowe v. STME, LLC, No. 8:18-cv-2667-T-33SPF, 2019
WL 2717197, at *3 (M.D. Fla. June 28, 2019) (citing Fed. R. Civ. P. 54(d)(1)). Section
1920 further provides that “[a] bill of costs shall be filed in the case and, upon
allowance, included in the judgment or decree.” 28 U.S.C. § 1920. Plaintiff has not
filed a bill of costs for consideration by the Clerk. “Therefore, the proper procedure is
for [Plaintiff] to file a verified bill of costs with the Clerk. If the Clerk taxes costs upon

the filing of that bill of costs, [Defendant] may object and seek judicial review within
five days.” Lowe, 2019 WL 2717197, at *3; see also Neurocare Inst. of Cent. Fla., P.A. v.
US Cap. Access, Inc., No. 6:13-cv-1233-Orl-31DAB, 2014 WL 12873038, at *5 (M.D.
Fla. May 14, 2014), report and recommendation adopted, 2014 WL 12873040 (M.D. Fla.

May 30, 2014) (denying request to tax costs without prejudice to party’s filing of bill
of costs with clerk). The undersigned therefore recommends that Plaintiff’s request for
costs be denied without prejudice subject to Plaintiff’s filing of a verified bill of costs
and sufficient supporting documentation with the Clerk.4
Accordingly, it is RECOMMENDED that:

1. Plaintiff’s Motion for Default Judgment (Dkt. 16) be GRANTED in part
and DENIED in part as discussed herein.
2. The Clerk be directed to enter judgment in favor of Plaintiff and against
Defendant as to Count I in Plaintiff’s Complaint (Dkt. 1) and Plaintiff be

4 Upon review of Plaintiff’s request for costs, the undersigned notes that “[p]ostage is not recoverable
under § 1920.” First Home Bank v. Extreme Elecs. Grp., LLC, No. 8:17-cv-02087-EAK-AEP, 2018 WL
4656293, at *4 (M.D. Fla. July 13, 2018) (citing Duckworth v. Wisenant, 97 F.3d 1393, 1399 (11th Cir.
1996)). Further, although “private service of process is not explicitly provided for in [28 U.S.C. §§
1920 or 1921] the Court may authorize taxation of such costs so long as they do not exceed the statutory
fees authorized in 28 U.S.C. § 1921.” Scotlynn USA Div., Inc. v. Cold Ground Transp., LLC, No. 2:15-cv-
152-FtM-38CM, 2016 WL 6066682, at *4 (M.D. Fla. Oct. 14, 2016) (emphasis added) (citing U.S.
E.E.O.C. v. W&O, Inc., 213 F.3d 600, 624 (11th Cir. 2000)).
awarded $1,500 in statutory damages pursuant to the Telephone
Consumer Protection Act, 47 U.S.C. § 227.
3. Plaintiffs Motion for Default Judgment (Dkt. 16) as to Count II be
denied without prejudice and that claim be dismissed.
4. Plaintiff's request for attorneys’ fees and costs be denied without
prejudice, subject to Plaintiff's filing of a bill of costs with the Clerk.
IT IS SO REPORTED in Tampa, Florida, on April 6, 2023.

¢ A hecek
JUEIE $. SNEED
UNITED STATES MAGISTRATE JUDGE

NOTICE TO PARTIES
A party has 14 days from this date to file written objections to the Report and
Recommendation’s factual findings and legal conclusions. A party’s failure to file
written objections waives that party’s right to challenge on appeal any unobjected-to
factual finding or legal conclusion the district judge adopts from the Report and
Recommendation. See 11th Cir. R. 3-1.
Copies furnished to:
The Honorable Virginia M. Hernandez Covington
Counsel of Record

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Source: Frix Law Library, https://www.frixlaw.com/law-library/cases/10742191. Public record. Not legal advice.