| ³Ô¹ÏºÚÁÏ > Insurance Division > Bureau of Fraud Deterrence Enforcement Activity > Division of Law Court Adjudications - 2025 |
| Division of Law Court Adjudications - 2025 |
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| |
| December 2025 |
The following Stipulations of Settlement and/or Consent Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Codallos-Perez, Crisoforo |
23-54359-35 |
Stipulation of Settlement |
December 9, 2025 |
$1,500 |
$75 |
|
| Merand, Rudolph and No Limit Towing LLC |
19-52748-38 |
Stipulation of Settlement |
December 11, 2025 |
$11,250 |
$750 |
|
|
| |
The following Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Tyrick Anderson |
24-51504-35 |
Final Judgment by Default |
December 23, 2025 |
$5,000 |
$1,000 |
|
| Carlos Chevalier |
21-52693-31 |
Final Judgment by Default |
September 12, 2025 |
$5,000 |
$1,000 |
|
| Sean Gibson |
21-51865-04 |
Final Judgment by Default |
December 16, 2025 |
$5,000 |
$1,000 |
|
| Natalie Giuffrida |
22-53606-10 |
Final Judgment by Default |
December 3, 2025 |
$5,000 |
$1,000 |
|
| Oulimata Konare |
21-52016-35 |
Final Judgment by Default |
December 22, 2025 |
$5,000 |
$1,000 |
|
| Edward Medrano |
21-51286-31 |
Final Judgment by Default |
December 5, 2025 |
$15,000 |
$1,000 |
|
| Tyree Montgromery |
22-50217-31 |
Verdict |
|
$10,000 |
$1,000 |
|
| Aldi Noel |
23-51775-09 |
Final Judgment by Default |
December 3, 2025 |
$15,000 |
$1,000 |
|
| Peter Randolph |
21-53102-04 |
Final Judgment by Default |
December 4, 2025 |
$5,000 |
$1,000 |
|
| Ram Shabazz |
22-52632-04 |
Final Judgment by Default |
December 22, 2025 |
$5,000 |
$1,000 |
|
| Gary Williams |
21-52038-04 |
Final Judgment by Default |
December 15, 2025 |
$5,000 |
$1,000 |
|
| Kanika Williams |
18-51802-04 |
Final Judgment by Default |
August 7, 2025 |
$5,000 |
$1,000 |
|
|
| |
| November 2025 |
The following Stipulations of Settlement and/or Consent Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Dorothy Costello |
16-51164-04 |
Stipulation of Settlement |
September 16, 2025 |
$3,000 |
$150 |
|
| Christian Daley |
23-50388-31 |
Stipulation of Settlement |
November 18, 2025 |
$2,500 |
$125 |
|
|
| |
The following Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Ramesch Broadbelt |
21-50574-04 |
Final Judgment by Default |
August 15, 2025 |
$5,000 |
$1,000 |
|
| Melvin Butler |
21-52801-04 |
Final Judgment by Default |
November 21, 2025 |
$15,000 |
$1,000 |
|
| Julia Chomicz |
21-52783-31 |
Final Judgment by Default |
October 19, 2025 |
$5,000 |
$1,000 |
|
| Lucio Espinoza |
22-54279-35 |
Final Judgment by Default |
November 21, 2025 |
$10,000 |
$1,000 |
|
| Anthony Espinoza |
$5,000 |
$1,000 |
| Joanne Gallow |
23-51005-35 |
Final Judgment by Default |
November 7, 2025 |
$5,000 |
$1,000 |
|
| Curlene Knoll |
20-52539-31 |
Final Judgment by Default |
November 25, 2025 |
$55,000 |
$1,000 |
|
| Robert Knoll |
20-52366-31 |
Final Judgment by Default |
November 25, 2025 |
$115,000 |
$1,000 |
|
| Randalynn Paige |
20-51782-04 |
Final Judgment by Default |
October 24, 2025 |
$15,000 |
$1,000 |
|
| Brittany Ray |
21-51469-35 |
Final Judgment by Default |
November 14, 2025 |
$5,000 |
$1,000 |
|
| Danielle Robergeau |
20-52007-31 |
Final Judgment by Default |
November 25, 2025 |
$35,000 |
$1,000 |
|
| Shakirah Robinson |
22-50882-51 |
Final Judgment by Default |
November 17, 2025 |
$6,000 |
$1,000 |
|
|
| |
| October 2025 |
The following Stipulations of Settlement and/or Consent Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Ramdeo Ramsaran |
18-50991-41 |
Stipulation of Settlement |
October 21, 2025 |
$9,500 |
$475 |
|
|
| |
| The following Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Naquan Baker |
20-53602-31 |
Final Judgment by Default |
October 6, 2025 |
$5,000 |
$1,000 |
$20,340.47 |
| John Bellegue |
20-52767-48 |
Final Judgment by Default |
July 11, 2025 |
$5,000 |
$1,000 |
|
| Randy A. Beniquez |
20-53093-35 |
Final Judgment by Default |
October 23, 2025 |
$5,000 |
$1,000 |
|
| Yishaki Boozer |
22-54182-35 |
Summary
Judgment |
October 17, 2025 |
$5,000 |
$1,000 |
|
| Carlos Chevalier |
21-52693-31 |
Final Judgment by Default |
September 12, 2025 |
$5,000 |
$1,000 |
|
| Sergio and Samantha Degro |
23-53148-35 |
Final Judgment by Default |
October 24, 2025 |
$15,000 |
$2,000 |
|
| Domiel Duran |
19-52979-04 |
Final Judgment by Default |
October 24, 2025 |
$5,000 |
$1,000 |
|
| Margaret Galati |
21-54422-35 |
Final Judgment by Default |
October 3, 2025 |
$7,500 |
$1,000 |
|
| Caryn Griffin |
17-54802-12 |
Final Judgment by Default |
October 10, 2025 |
$30,000 |
$1,000 |
|
| Stacy Grooms |
21-52724-04 |
Summary
Judgment |
October 31, 2025 |
$5,000 |
$1,000 |
|
| Natasha Jefferson |
21-50357-04 |
Final Judgment by Default |
October 10, 2025 |
$2,500 |
$1,000 |
|
| Lalisa Lewis |
19-51313-35 |
Final Judgment by Default |
October 22, 2025 |
$10,000 |
$1,000 |
$4,932.83 |
| 21-51302-04 |
| Lawrence Moses |
22-50980-35 |
Final Judgment by Default |
October 6, 2025 |
$2,500 |
$125 |
|
| Samir Kumar Patel |
20-53369-39 |
Final Judgment by Default |
October 6, 2025 |
$5,000 |
$1,000 |
|
| Branden Spence |
21-50119-35 |
Summary
Judgment |
October 31, 2025 |
$5,000 |
$1,000 |
|
| Kanka Williams |
18-51802-04 |
Final Judgment by Default |
August 7, 2025 |
$5,000 |
$1,000 |
|
|
| |
| September 2025 |
The following Stipulations of Settlement and/or Consent Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Ernanes Rodrigues De Araujo |
22-50971-35 |
Stipulation of Settlement |
September 1, 2025 |
$1,500 |
$75 |
|
| Keun Lee |
19-53847-39 |
Stipulation of Settlement |
September 17, 2025 |
$2,500 |
$125 |
|
| Zoraida Ramos |
23-52920-35 |
Stipulation of Settlement |
September 24, 2025 |
$1,500 |
$75 |
|
|
| |
The following Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Rachael Giacolone |
23-53204-51 |
Summary Judgment |
September 4, 2025 |
$10,000 |
$1,000 |
|
| Tiana Hill |
20-51787-35 |
Final Judgment by Default |
September 25, 2025 |
$5,000 |
$1,000 |
|
| Amber Degroat |
21-52564-31 |
Final Judgment by Default |
September 12, 2025 |
$5,000 |
$1,000 |
|
| Tracy A. Doremus |
22-51777-35 |
Final Judgment by Default |
September 12, 2025 |
$5,000 |
$1,000 |
|
| Cathy Garcia |
22-52741-04 |
Final Judgment by Default |
September 25, 2025 |
$5,000 |
$1,000 |
|
| Louise Maitre |
23-51280-31 |
Final Judgment by Default |
September 22, 2025 |
$5,000 |
$1,000 |
|
| Quatecha S. Cleveland Webb |
22-52544-35 |
Final Judgment by Default |
September 12, 2025 |
$5,000 |
$1,000 |
|
| Jennifer Weithers |
22-52408-35 |
Final Judgment by Default |
September 26, 2025 |
$5,000 |
$1,000 |
|
|
| |
| August 2025 |
The following Stipulations of Settlement and/or Consent Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Mohdkhair Assi |
22-51513-35 |
Stipulation of Settlement |
August 25, 2025 |
$1,500 |
$75 |
|
| Joseph Horn |
17-50352-10 |
Stipulation of Settlement |
August 14, 2025 |
$50,350 |
$2,650 |
|
| Brian Piccolo |
20-50129-25 |
Consent Order |
May 21, 2025 |
$5,000 |
$500 |
|
|
| |
The following Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Todd Barksdale |
23-54318-31 |
Final Judgment by Default |
August 18, 2025 |
$10,000 |
$1,000 |
|
| Joshua Downham |
21-52159-04 |
Final Judgment by Default |
August 19, 2025 |
$5,000 |
$1,000 |
|
| Bonnie Greenbaum |
21-53859-09 |
Final Judgment by Default |
August 14, 2025 |
$5,000 |
$1,000 |
|
| Shala Lynch |
20-53558-31 |
Final Judgment by Default |
July 3, 2025 |
$5,000 |
$1,000 |
|
| Bradford Pace |
22-52567-31 |
Final Judgment by Default |
August 15, 2025 |
$10,000 |
$1,000 |
|
| Jose Solivan |
19-52342-04 |
Final Judgment by Default |
August 22, 2025 |
$500 |
|
|
|
| |
| July 2025 |
The following Stipulations of Settlement and/or Consent Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Marc Bailey |
18-52359-31 |
Stipulation of Settlement |
July 25, 2025 |
$2,500 |
$125 |
|
| Camille Lalima |
20-50157-41 |
Stipulation of Settlement |
July 24, 2025 |
$5,000 |
$250 |
|
| Keith Muszynski |
21-52227-04 |
Stipulation of Settlement |
March 25, 2025 |
$1,500 |
$125 |
|
| David Pena |
20-53254-41 |
Stipulation of Settlement |
July 22, 2025 |
$1,500 |
$75 |
|
|
| |
The following Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| John Bellegue |
20-52767-48 |
Final Judgment by Default |
July 11, 2025 |
$5,000 |
$1,000 |
|
| Tracy Cooper and Adela Miller |
20-51071-13 |
Final Judgment by Default |
July 11, 2025 |
$15,000 |
$2,000 |
|
| Renee Fox |
20-54700-35 |
Final Judgment by Default |
July 18, 2025 |
$10,000 |
$1,000 |
|
| Leonardo Moreno |
20-54248-04 |
Final Judgment by Default |
July 11, 2025 |
$7,500 |
$1,000 |
|
|
| |
| June 2025 |
The following Stipulations of Settlement and/or Consent Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Ruben Henao d/b/a Henao's Landscaping and Construction |
20-50170-38 |
Stipulation of Settlement |
March 18, 2025 |
$1,500 |
$150 |
$4,778.94 |
| Gladens Paul |
22-50883-31 |
Stipulation of Settlement |
June 18, 2025 |
$2,500 |
$125 |
|
| Berken Randolph |
20-50847-09 |
Stipulation of Settlement |
June 24, 2025 |
$3,500 |
$175 |
|
|
| |
The following Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Jose Alvarez |
22-50102-35 |
Final Judgment by Default |
June 13, 2025 |
$5,000 |
$1,000 |
|
| Samantha Bracero |
22-52854-04 |
Final Judgment by Default |
June 13, 2025 |
$5,000 |
$1,000 |
|
| Nadine Charles |
20-54629-31 |
Final Judgment by Default |
June 17, 2025 |
$5,000 |
$1,000 |
|
| Louis Confortini |
23-52829-51 |
Final Judgment by Default |
June 12, 2025 |
$5,000 |
$1,000 |
|
| Bobbie Cox |
21-52577-04 |
Final Judgment by Default |
June 9, 2025 |
$15,000 |
$1,000 |
|
| Stacy Fannin |
17-52028-17 |
Final Judgment by Default |
June 26, 2025 |
$22,500 |
$1,000 |
|
| Tiffany Hendricks |
21-52189-31 |
Final Judgment by Default |
June 6, 2025 |
$10,000 |
$1,000 |
|
| John Johnson |
18-50551-03 and 18-52541-04 |
Final Judgment by Default |
May 23, 2025 |
$30,000 |
$1,000 |
$5,471 |
| Alan Kazar and Desiree Kazar |
20-52464-35 |
Final Judgment by Default |
June 6, 2025 |
$10,000 |
$2,000 |
|
| Jhair Sierra Ramirez |
22-50138-04 |
Final Judgment by Default |
May 20, 2025 |
$5,000 |
$1,000 |
|
| Jessica Rivera |
21-54608-35 |
Final Judgment by Default |
June 19, 2025 |
$15,000 |
$1,000 |
|
| James Khirhy aka Khirhy James |
$5,000 |
$1,000 |
| Carolina Rivera-Almonte and Sharlin Delacruz-Rivera |
20-52178-35 |
Final Judgment by Default |
June 19, 2025 |
$5,000 |
$2,000 |
|
|
| |
| May 2025 |
The following Stipulations of Settlement and/or Consent Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Chiderah lbewuike |
22-51706-35 |
Stipulation of Settlement |
May 13, 2025 |
$1,500 |
$75 |
|
| Scherrie Young |
23-53057-04 |
Stipulation of Settlement |
May 28, 2025 |
$2,500 |
$125 |
|
|
| |
The following Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| David Chatman |
21-52895-03 |
Final Judgment by Default |
May 12, 2025 |
$5,000 |
$1,000 |
|
| Gergely Cseperkalo |
19-52805-48 |
Final Judgment by Default |
May 9, 2025 |
$5,000 |
$1,000 |
|
| Otilia Espino |
22-52629-31 |
Final Judgment by Default |
February 7, 2025 |
$2,500 |
$1,000 |
|
| Charlotte McDowell and Albert Wright |
21-50102-04 |
Final Judgment by Default |
May 27, 2025 |
$12,500 |
$2,000 |
|
| Andres Rosario |
22-52827-31 |
Consent Order |
April 22, 2025 |
$2,500 |
$125 |
|
| Joshua Thomas |
21-53948-35 |
Final Judgment by Default |
May 19, 2025 |
$10,000 |
$1,000 |
|
|
| |
| April 2025 |
The following Stipulations of Settlement and/or Consent Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Frank F. Peralta Gil |
19-50174-04 |
Stipulation of Settlement |
April 1, 2025 |
$3,500 |
$175 |
|
|
| |
The following Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Andrea Burns |
20-50536-35 |
Final Judgment by Default |
March 28, 2025 |
$15,000 |
$1,000 |
$2,574.79 |
| Zhane Burns |
$1,000 |
| Tereke Hammond |
22-52391-35 |
Final Judgment by Default |
April 11, 2025 |
$5,000 |
$1,000 |
|
| Dierdre Love |
23-53334-04 |
Summary Judgment |
April 28, 2025 |
$15,000 |
$1,000 |
|
| Frank J. Malvossi |
13-52196-35 |
Summary Judgment |
March 17, 2025 |
$5,000 |
$1,000 |
|
|
| |
| March 2025 |
The following Stipulations of Settlement and/or Consent Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Hawallion Goodwin |
20-53485-35 |
Stipulation of Settlement |
March 20, 2025 |
$2,500 |
$125 |
|
|
| |
The following Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Margaret Baylor |
22-50915-04 |
Final Judgment by Default |
March 13, 2025 |
$5,000 |
$1,000 |
|
| Juan J. Colon |
20-53258-05 |
Final Judgment by Default |
February 28, 2025 |
$2,500 |
$1,000 |
|
| Olivia Ann Ferguson |
20-52456-31 |
Final Judgment by Default |
March 28, 2025 |
$5,000 |
$1,000 |
|
| Michael Johnson |
23-53387-35 |
Final Judgment by Default |
March 28, 2025 |
$15,000 |
$1,000 |
|
| Michael Pines |
20-53143-24 |
Final Judgment by Default |
February 28, 2025 |
$270,000 |
$1,000 |
$42,750 |
|
| |
| February 2025 |
The following Stipulations of Settlement and/or Consent Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Machell Pettis |
12-51933-10 |
Stipulation of Settlement |
February 6, 2025 |
$5,000 |
$250 |
|
| Quadirria Williams |
20-54464-03 |
Stipulation of Settlement |
February 5, 2025 |
$5,000 |
$250 |
|
|
| |
The following Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Luis Bolivar |
20-53139-35 |
Final Judgment by Default |
February 14, 2025 |
$5,000 |
$1,000 |
|
| Brandon B. Castillo |
19-53927-04 |
Final Judgment by Default |
February 14, 2025 |
$5,000 |
$1,000 |
|
| Kendra Caverly |
21-52518-51 |
Final Judgment by Default |
February 7, 2025 |
$5,000 |
$1,000 |
$1,020.98 |
| Monique Jordan |
21-54300-35 |
Final Judgment by Default |
February 28, 2025 |
$5,000 |
$1,000 |
|
| Leonard Slater |
19-50333-38 |
Consent Judgment |
January 9, 2025 |
$5,000 |
$1,000 |
$1,900 |
| Chanita Parker |
22-51437-35 |
Final Judgment by Default |
February 20, 2025 |
$5,000 |
$1,000 |
|
|
| |
| January 2025 |
The following Stipulations of Settlement and/or Consent Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Anthony Anderson |
21-52643-35 |
Stipulation of Settlement |
January 13, 2025 |
$2,500 |
$125 |
|
| Marta Ventura Colaj |
22-53879-35 |
Stipulation of Settlement |
January 28, 2025 |
$1,500 |
$75 |
|
| Richard J. Hamedl |
20-53633-35 |
Stipulation of Settlement |
January 7, 2025 |
$5,000 |
$250 |
|
| Ziyad Hussain |
22-53676-04 |
Stipulation of Settlement |
January 31, 2025 |
$1,500 |
$75 |
|
| Gloria Qeleshi |
20-54608-35 |
Stipulation of Settlement |
January 31, 2025 |
$3,500 |
$175 |
|
|
| |
The following Orders were obtained by the Division of Law on behalf of the Bureau of Fraud Deterrence for violation of N.J.S.A. 17:33A-4: |
| Name |
BFD # |
Type of Resolution |
Date |
Fines |
Surcharges |
Restitution |
| Jamee Adams |
21-53590-04 |
Final Judgment by Default |
January 3, 2025 |
$7,500 |
$1,000 |
|
| Bryan Aloia |
16-50148-38 |
Final Judgment by Default |
December 6, 2024 |
$5,000 |
$500 |
|
| Kamillah Brown |
21-50535-04 |
Final Judgment by Default |
January 28, 2025 |
$5,000 |
$1,000 |
|
| Nicole Demby |
21-50372-03 |
Final Judgment by Default |
January 3, 2025 |
$10,000 |
$1,000 |
|
| Jamie Greenwood |
20-54151-24 |
Final Judgment by Default |
January 3, 2025 |
$15,000 |
$1,000 |
|
| Warren Hood |
22-50876-35 |
Final Judgment by Default |
January 9, 2025 |
$2,500 |
$1,000 |
|
|
