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Home > Insurance Division > Bureau of Fraud Deterrence Enforcement Activity > Division of Law Court Adjudications - 2025
Division of Law Court Adjudications - 2025
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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
 
Februay 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
Antonio J. Couso and Beverage TJL Plaza, LLC 19-50211-03 Final Judgment by Default February 14, 2025 $10,000 $1,000  
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  


 
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