HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 1 of 19 Trans ID: LCV2017564907 LOUIS A. ZAYAS, ESQ. LAW OFFICES OF LOUIS A. ZAYAS, L.L.C. 8901 Kennedy Boulevard, Suite 5S North Bergen, NJ 07047 (201) 977-2900 JUAN LUIS RAMOS Plaintiff, vs. CITY OF JERSEY CITY Defendant. ) ) SUPERIOR COURT OF NEW JERSEY ) LAW DIVISION: HUDSON COUNTY ) ) Docket No.: HUD-L) ) CIVIL ACTION ) ) COMPLAINT ) ) ) ) ) ) ) ) ) Plaintiff, JUAN LUIS RAMOS, by and through his attorney, LOUIS A. ZAYAS of LAW OFFICES OF LOUIS A. ZAYAS, L.L.C, alleges the following based on information and belief: INTRODUCTION 1. The Plaintiff Juan Luis Ramos (“Officer Ramos”) brings these civil rights violations under the New Jersey Civil Rights Act (“NJCRA”), and the New Jersey Law Against Discrimination (“NJLAD”) against the City of Jersey City. 2. The Officer Ramos alleges that he was subjected a hostile work environment since 2007 until his termination in August 2016 because he was perceived by his superior officers and fellow police officers as untrustworthy or “rat” because he would not adhere to the blue wall of silence that shielded police officers from accountability for their misconduct. 1 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 2 of 19 Trans ID: LCV2017564907 3. As a result of this perception, the Defendants harassed, intimidated and retaliated against Officer Ramos which continued even after he was terminated when the Defendants falsely represented the circumstances behind his termination in order to deny him much ended unemployment benefits. 4. Based on their perception that Officer Ramos was engaged in protected activities in reporting police misconduct, the Defendants retaliated by engaging in a pattern of harassment and retaliation that included the following adverse employment actions, unfavorable job assignments, unfounded and retaliatory motivated disciplinary charges, ridiculing his physical appearance and disability, disparaging him by accusing him of being psychologically “unfit for duty” based on his postings on Facebook and social media. 5. Defendants terminated Officer Ramos’ employment based on their perception that he was “unfit for duty” based on a disability that did not prevent him from performing his duties as a police officer and, in the alternative, the Defendants failed to reasonably accommodate his socalled disability through treatment, counseling or other reasonable measures. PARTIES 6. Plaintiff Officer Juan Ramos is a citizen of the State of New Jersey and resides in Hudson County. He was formerly employed as a Police Officer in the Jersey City Police Department and held this position at all times relevant to this litigation. 7. Defendant City of Jersey City is a municipality organized by virtue of New Jersey law and pursuant to that law. Defendant City of Jersey City is sued to affect the full declaratory, injunctive and compensatory damages demanded by the Plaintiff. 2 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 3 of 19 Trans ID: LCV2017564907 CONDITION PRECEDENT 8. On May 5, 2017, Plaintiff filed a complaint with the Equal Employment Opportunity Commission alleging violations under the American Disability Act. 9. On August 14, 2017, the EEOC filed a right to sue letter to bring an ADA claim against the Defendant. FACTS 10. The Jersey City Police Department has an unwritten and unconstitutional culture that fosters police misconduct by discouraging police officers from reporting such police misconduct to appropriate law enforcement authorities. This culture is commonly referred to the “blue wall of silence”. Under “code of silence, police officers who violate it are retaliated by their fellow officers through various means, including ostracism, adverse assignments, ridicule, and other adverse employment actions. 11. On January 7, 2005, Jersey City hired Officer Ramos as a police officer. As a condition of his employment, Ramos took and successfully passed civil service and Jersey City standard police examination, which included a background investigation and psychological testing conducted by Institute for Forensic Psychology (“IFP”). 12. Ramos passed the police examination. As for his psychological examination, Ramos was examined by IFP and found him fit for duty. 13. On or about the Summer of 2007, contrary to the widely known culture of silence among police officers, Officer Ramos complained to his supervisor, Lieutenant Peter Sinacore concerning the legality of a police detail at a construction site. 3 In response to Officer Ramos’ HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 4 of 19 Trans ID: LCV2017564907 concerns, Lieutenant Sinacore reprimanded Officer Ramos and ignored his complaint. During that discussion, Lieutenant Sinacore accused Officer Ramos of recording their conversation to provide to an outside law enforcement agency. 14. Since that encounter with Lieutenant Sinacore were he accused Officer Ramos of tape recording him, Officer Ramos was perceived as someone who could not be trusted. Because Officer Ramos was accused of being a rat, every supervisor retaliated against him and his fellow police officers distrusted him. 15. Because of the perception that Officer Ramos was not to be trusted, police officers began to harass and retaliate against him. 16. As a result, police officers routinely harassed and retaliated against Officer Ramos, including humiliating him on the grounds of his weight. At the time, Officer Ramos was extremely obese, a disability under the New Jersey Law Against Discrimination. 17. Officer Ramos’ disability subjected to hostile work environment. 18. The harassment was so oppressive that Officer Ramos underwent surgery to remedy his disability. As a result of the surgery, Officer Ramos’s lost substantial weight. 19. Officer Ramos continued to be harassed and retaliated because of his perceived whistleblower activities and disability. 20. On or about May 2, 2014, Internal Affairs targeted Officer Ramos because he perceived by his fellow police officers of recording them involved in official misconduct and corruption. The Internal Affairs investigation specially questioned Officer Ramos whether he was recording other police officers with the intent to discourage him from reporting other police officers in wrongdoing. 4 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 5 of 19 Trans ID: LCV2017564907 21. The above Internal Affairs investigation took place when federal law enforcement were investigating numerous Jersey City police department in a corrupt scheme to defraud Jersey City. The Internal Affairs investigation was designed, in part, to obtain any damaging evidence against other police officers in order to protect them from criminal liability. 22. Indeed, the United States Attorneys Office for the District of New Jersey indicted numerous police officers for fraud in off-duty assignments. Defendant has also suspended numerous police officers based on the same sort of allegations. 23. The Internal Affairs investigation was designed to intimidate and threaten Officer Ramos from reporting police officers engaged in criminal activities or other wrongdoing. 24. Notably, Internal Affairs failed to conduct an investigation even though they are responsible for investigating such complaints. 25. Rather than stopping the harassment, Captain Edgar Martinez confirmed to Officer Ramos that Officer Ramos was the subject of ridicule in the police department in that he “kept getting unflattering pictures of Officer Ramos on his phone.” Several supervisors told Officer Ramos in substance: “We think this shit is funny..and told him to let it die out, to ignore it, and told him that he “needed to have thick skin.” 26. In 2014, Officer Ramos observed a picture of a sumo wrestler marked with Officer Ramos’ name on Captain Kist’s locker in plain view for other police officers to see and mock. 27. Even after Officer Ramos lost weight after undergoing weight loss surgery, he was subject to harassment by police officers calling him a “f----ing cheater, you didn’t do it the hard way.” 5 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 6 of 19 Trans ID: LCV2017564907 28. Ramos complained to the police department concerning the hostile work environment based on his disability and harassment. Despite such complaining, Jersey City failed to take any remedial action to stop it. 29. As a result, Officer Ramos continued to receive harassing comments from other officers relating to his condition on social media. 30. In March 2015, Officer Ramos posted inspirational pictures of himself onto his social media in his capacity as a private citizen. Despite their protected activity in expressing himself, the Defendants launched a retaliatory Internal Affairs investigation to remove him as a police officer. 31. In or about April 2015, Internal Affairs summoned Officer Ramos and accused him of violating the police departments’ social media policy. At that time, Internal Affairs Lieutenant Mark Miller ordered Officer Ramos to go for a fitness for duty examination and removed his firearm. The Defendants either perceived Officer Ramos as suffering from a disability which incorrectly prevented him from performing his duties or fabricated a disability to use as a pretext to fire him. 32. In furtherance of Defendants’ scheme to fabricate a pretext to fire Officer Ramos, Lieutenant Miller ordered that Officer Ramos obtain a fitness for duty evaluation at the Institute for Forensic Psychology (“IFP”). The IFP is widely known in the police department that police officers who are referred to IFP are expected to be diagnosed as “unfit for duty”. 33. Upon information and belief, IFP has a business relationship with Jersey City and other municipalities to provide fitness for duty reports favorable to the municipality. The IFP is an independent medical provider since it has a financial self-interest in continuing to receive business from municipalities. The IFP knows how to render a favorable report based on the 6 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 7 of 19 Trans ID: LCV2017564907 information it receives from the municipality and ex-parte communications with the referring agency, i.e. Internal Affairs. 34. Officer Ramos was evaluated by Dr. Schlosser who, as expected, found that Officer Ramos suffered from “Histrionic Personality Disorder with Narcissistic personality features.” Dr. Schlosser claims that Officer Ramos was not fit for duty. 35. Dr. Schlosser conspired with Jersey City to fabricate a medical report that he knew was medically unfounded. 36. In response to Dr. Schlosser’s report, Officer Ramos obtained a psychological report by Dr. Paul Hriso. According to Dr. Hriso, Officer Ramos was found to be fit for duty. 37. In November 2015, Jersey City again ordered Officer Ramos to appear for a second evaluation at IFP. The second evaluation was conducted by Dr. Matthew Guller, who is a colleague of Dr. Schlosser and also conspired with Jersey City to fabricate the report to falsely opine that Officer Ramos was not fit for duty. 38. As a result of the unfavorable fitness for duty reports, Lieutenant Miller informed Officer Ramos Public Safety Director James Shea suspended him without pay indefinitely, and took Officer Ramos’ badge, police ID, and radio. 39. Officer Ramos complained that such a decision was unlawful, and requested that he be allowed to be evaluated by New Pathway Counseling Services, an alternative provider for fitness for duty evaluations for Jersey City employees. It is widely known that New Pathway Counseling Services , unlike IFP, routinely approves employees as “ fit for duty.” Upon information and belief, police officers Anthony and Maria Ruocco, who were similarly accused of violating the police department’s social media policy, were evaluated by New Pathway Counseling Services. They were both found to be fit for duty. 7 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 8 of 19 Trans ID: LCV2017564907 40. When Officer Ramos requested that he also be allowed to be evaluated by New Pathway, Lieutenant Miller objected and told Officer Ramos that he had little chance of recovery. Lieutenant Miller, however, told Officer Ramos that if wanted to pay out of his own pocket then he was free to do so. 41. On March 15, 2016, Officer Ramos was evaluated by Anthony Jenkins from New Pathway Counseling Service who immediately found Officer Ramos fit for duty. During his evaluation, Jenkins admitted to Officer Ramos that Jersey City routinely relies on Dr. Guller to fail police officers and stated “I don’t know how he still has a license to practice.” 42. After obtaining a favorable fitness for duty report from Jenkins, Mr. Jenkins also called Officer Ramos and demanded that he return the fitness for duty evaluation report because Pathway was a vendor for Jersey City. Mr. Jenkins told him that the favorable evaluation report contradicted Jersey City’s position. 43. After Officer Ramos advised Jersey City of the fitness for duty report given by its own provider, Jersey City initially agreed to have Officer Ramos evaluated by a mutually agreed independent doctor. 44. Despite the parties agreement to have a neutral medical examiner, Jersey City breached their agreement and ordered Officer Ramos to be evaluated by its own doctor, Dr. Betty McLendon at Comprehensive Psychological Services. 45. Not surprisingly, on May 24, 2016, Dr. Betty McLendon submitted a false and unfounded report that Officer Ramos was unfit for duty. 46. As with the other fabricated evaluations, Officer Ramos presented Jersey City with a rebuttal examination by Dr. Kristen Szczech and Dr. Paul Hriso, both of who found that Officer Ramos was not only fit for duty but Dr. McLendon’s report was flawed and unsubstantiated. 8 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 9 of 19 Trans ID: LCV2017564907 47. Officer Ramos requested a reasonable accommodation based on the faulty conclusions that he suffered from a disability, including to be placed on modified duty. Jersey City refused to engage in the interactive process and denied Officer Ramos’ request. 48. On July 25, 2016, Officer Ramos was terminated from his employment. 49. Jersey City continued to retaliate against Officer Ramos even after his termination. In August 2016, Jersey City falsely claimed in response to Officer Ramos’ application for unemployment benefits that he was terminated for misconduct. 50. In October 2016, the Department of Labor denied his request for unemployment based on the misrepresentations from Jersey City, which was a form of retaliation for engaging the above referenced protected activities. 51. Officer Ramos successfully prevail in his appeal to obtain unemployment benefits. COUNT I. NEW JERSEY CIVIL RIGHTS ACT N.J.S.A. § 10:6-2 47. Plaintiff repeats and realleges the allegations set forth above as if fully set forth herein. 48. Defendants retaliated against Plaintiff based on their perception that he was actually engaged in reporting police misconduct and corruption to law enforcement, a protected activity under the statute. 49. The actions of the Defendant were undertaken pursuant to policy, custom and practice. Jersey City’s blue wall of silence is so pervasive that they carry the force of law. 50. Specifically, Jersey City has a de facto policy, practice or custom of discouraging, threatening and retaliating against police officers who report police misconduct and corruption, commonly referred to a “code of silence.” This unconstitutional culture or “code of silence” is 9 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 10 of 19 Trans ID: LCV2017564907 an understanding between and among police officers resulting in refusal or failure to report instances of police misconduct by other police officers, including corruption. 51. The “code of silence” is enforced through threats, intimidation, retaliation and other adverse employment actions. This de facto policy encourages police misconduct since police officers are subject to disciplinary action and other forms of retaliation if they fail to adhere to it. The code of silence helps shield police officers from criminal and civil liability. 52. Pursuant to the above de facto policy, practice and custom, Defendants retaliated against the Plaintiff after he was perceived to be a potential whistleblower and report allegations of police misconduct. 53. Based on the perception that Officer Ramos was engaged in the above-mentioned protected activity, Defendant conspired to retaliate against through threats, intimidation, baseless disciplinary charges, ridicule based on his physical appearance, creating a hostile work environment, unfavorable work assignments, defamatory assertions that is unfit for duty, termination and post-termination retaliation. 54. Defendants conduct has directly and proximately caused Plaintiff to suffer economic, emotional and psychological damages in an amount to be determined by a jury. WHEREFORE, Plaintiff demands judgment against the Defendants, jointly and severally, for the following relief: a. Compensatory Damages; b. Reinstatement; b. Punitive Damages; c. Attorney’s fees and costs of suit; d. Such other and further relief as the Court deems equitable and just. 10 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 11 of 19 Trans ID: LCV2017564907 COUNT II N.J. LAW AGAINST DISCRIMINATION 10:5-12, et seq. Discrimination Perceived Disability 55. Plaintiff repeats and realleges the allegations set forth as if fully set forth herein. 56. Plaintiff was wrongfully terminated on the basis of his perceived disability despite that he was performing his duties in a satisfactory manner. 57. Plaintiff was also perceived as suffering from psychological issues including Histrionic Personality Disorder with Narcissistic personality features. 58. At all times, Plaintiff was fit for duty as a Police Officer, and performed his duties in a satisfactory manner. Defendant’s perception of his disability was not reasonably related to the performance of his job duties. 59. As a direct and proximate result of Defendant’s actions, Plaintiff has suffered economic, emotional, and physiological damages in an amount to be determined by a jury WHEREFORE, Plaintiff demands judgment against the Defendants, jointly and severally, for the following relief: a. Compensatory Damages; b. Reinstatement; b. Punitive Damages; c. Attorney’s fees and costs of suit; d. Such other and further relief as the Court deems equitable and just. COUNT II 11 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 12 of 19 Trans ID: LCV2017564907 LAW AGAINST DISCRIMINATION 10:5-12, et seq. DISABILITY DISCRIMINATION Failure to Accommodate/ Interactive Process 60. Plaintiff repeats and realleges the allegations set forth as if fully set forth herein. 61. Plaintiff was also perceived as suffering from psychological issues including Histrionic Personality Disorder with Narcissistic personality features. This so-called disability, even if a legitimate psychological condition, did not interfere with Plaintiff’s duties and responsibilities. 62. In addition, the Defendant failed to participate in the interactive process to find a reasonable accommodation for Plaintiff’s so-called disability, such as counseling or assigning him to an administrative position. 63. Defendant’s failure to engage in the interactive process or reasonable accommodate Plaintiff’s perceived disability violated the NJLAD. 64. Plaintiff was not in fact disabled but even if he was disabled, he could have received a reasonable accommodation such as counselling and treatment, none of which was offered to the Plaintiff, much less given. 65. As a direct and proximate result of Defendant’s actions, Plaintiff has suffered economic, emotional, and physiological damages in an amount to be determined by a jury WHEREFORE, Plaintiff demands judgment against the Defendants, jointly and severally, for the following relief: a. Compensatory Damages; b. Reinstatement; b. Punitive Damages; c. Attorney’s fees and costs of suit; 12 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 13 of 19 Trans ID: LCV2017564907 d. Such other and further relief as the Court deems equitable and just. COUNT III. LAW AGAINST DISCRIMINATION 10:5-12, et seq. RACE DISCRIMINATION 66. Plaintiff repeats and realleges the allegations set forth as if fully set forth herein. 67. Plaintiff is a member of a protected class, namely Hispanic. 68. Plaintiff was unlawfully terminated, in part, on the basis of his race. 69. Plaintiff was performing his duties in a satisfactory manner. 70. Plaintiff was treated disparately from other similarly situated employees with the Jersey City Police Department, when he was subjected to disparate treatment from similarly situated white officers, and selective enforcement of rules and regulations, and discipline including suspension, and termination, due to his race. 71. For example, Defendant’s social media policy is not enforced in a similar matter with regards to other similarly situated white police officers, who routinely post pictures of themselves in uniform. 72. Furthermore, the Defendant has not disciplined or treated other similarly situated white police officers for violating its social media policy. 73. As a direct and proximate result of Defendant’s actions, including terminating him, Plaintiff has suffered economic, emotional, and physiological damages in an amount to be determined by a jury. WHEREFORE, Plaintiff demands judgment against the Defendants, jointly and severally, for the following relief: 13 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 14 of 19 Trans ID: LCV2017564907 a. Compensatory Damages; b. Reinstatement; b. Punitive Damages; c. Attorney’s fees and costs of suit; d. Such other and further relief as the Court deems equitable and just. COUNT IV. NEW JERSEY CIVIL RIGHTS ACT N.J.S.A. § 10:6-2 FREE SPEECH/EXPRESSION (Social Media) 74. Plaintiff repeats and realleges the allegations set forth above as if fully set forth herein. 75. Defendants retaliated against Plaintiff when, acting under the color of law, and pursuant to official policy, they subjected Plaintiff to deprivations of his civil rights protected under the Article 1, Section 18 of the New Jersey Constitution. 76. By posting personal pictures without any relation to the Jersey City Police Department on his private social media accounts, Plaintiff exercised his right to free speech and expression in a manner that did not affect the operation of the Police Department. 77. The Jersey City Police Department consequently unlawfully retaliated against Plaintiff for engaging in protected activity under the New Jersey Constitution, and by creating a content based restriction that was directly related to Plaintiff’s engaging in speech. 78. Additionally, Defendants retaliated against the Plaintiff after he was perceived to be a potential whistleblower due to the perception of being an officer who would tape record incidents of misconduct by fellow officers, and potentially report incidents of police misconduct by Defendants. The Jersey City Police Department maintains a “blue wall of silence” which promotes a culture in which police officers do not report on misconduct regarding other officers 14 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 15 of 19 Trans ID: LCV2017564907 in the Police Department. Those who break this code and report misconduct, or are perceived of breaking this code, are retaliated against and ostracized by their fellow officers. 79. Based on the perception that Officer Ramos was engaged in protected activity, or would potentially engage in protected activity, Defendants attempted to intimidate Plaintiff and engaged in a continuous pattern of retaliation which culminated in the filing of disciplinary charges and a subsequent termination of employment. 80. Defendants conduct has directly and proximately caused Plaintiff to suffer economic, emotional and psychological damages in an amount to be determined by a jury. WHEREFORE, Plaintiff demands judgment against the Defendants, jointly and severally, for the following relief: a. Compensatory Damages; b. Reinstatement; b. Punitive Damages; c. Attorney’s fees and costs of suit; d. Such other and further relief as the Court deems equitable and just. COUNT V AMERICAN WITH DISABILITY ACT Perception Disability Discrimination 81. Plaintiff repeats and realleges the above allegations herein. 82. Jersey City, in violation of the Americans with Disability Act (“ADA”), 42 U.S.C. §12112(d)(4)(A), had no reasonable basis to believe, based on objective evidence, that my medical condition would impair my ability to perform the essential job functions of my job or that Plaintiff would pose a direct threat to myself or others due to a medical condition. 15 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 16 of 19 Trans ID: LCV2017564907 83. At the time Ramos was sent for a psychological examination, Jersey City sent to IFP a list of purported disciplinary charges which, after investigation, had not been sustained, except for minor infraction. 84. Jersey City did not have any reasonable basis to refer Plaintiff for a psychological examination. 85. As a result of the referral to IFP, which routinely fails employees at the direction of its municipal clients, Officer Ramos was deemed unfit and terminated. 86. As a direct and proximate result of Defendant’s actions, Plaintiff has suffered economic, emotional and physiological damages in an amount to be determined by a jury. WHEREFORE, Plaintiff demands judgment against the Defendants, jointly and severally, for the following relief: a. Compensatory Damages; b. Reinstatement; b. Punitive Damages; c. Attorney’s fees and costs of suit; d. Such other and further relief as the Court deems equitable and just. COUNT VI LAW AGAINST DISCRIMINATION 10:5-12, et seq. Retailation 87. Plaintiff repeats and realleges the allegations set forth as if fully set forth herein. 88. Plaintiff complained to the Defendants that he was not disabled and that the Defendants’ fitness for duty and suspension based on the Defendant’s own biased doctors was unlawful. 16 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 17 of 19 Trans ID: LCV2017564907 89. In response to Plaintiff’s protected activity, the Defendants unlawfully retaliated against him by subjecting him to the following adverse employment actions: (1) failure to participate in the interactive process/ failure to accommodate his perceived disability; (2) subjecting him to retaliatory disciplinary actions and punishment; (3) terminating his employment, and (4) filing false and misleading information to the Unemployment Board to delay his unemployment benefits. 90. As a direct and proximate result of Defendant’s actions, Plaintiff has suffered economic, emotional, and physiological damages in an amount to be determined by a jury WHEREFORE, Plaintiff demands judgment against the Defendants, jointly and severally, for the following relief: c. Compensatory Damages; d. Reinstatement; b. Punitive Damages; c. Attorney’s fees and costs of suit; d. Such other and further relief as the Court deems equitable and just. PRAYER FOR RELIEF WHEREFORE, Plaintiff demands judgment against the Defendants, jointly and severally, for the following relief: a. Compensatory Damages; b. Punitive Damages; c. Attorney’s fees and costs of suit; d. Such other and further relief as the Court deems equitable and just. 17 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 18 of 19 Trans ID: LCV2017564907 DEMAND FOR JURY TRIAL Plaintiff hereby demands a jury trial as to all issues so triable. Dated: December 1, 2017 /s/LOUIS A. ZAYAS ______________________ LOUIS A. ZAYAS, ESQ. DESIGNATION OF TRIAL COUNSEL LOUIS A. ZAYAS, ESQ., is designated as trial counsel in this matter. Dated: December 1, 2017 /s/LOUIS A. ZAYAS ______________________ LOUIS A. ZAYAS, ESQ. DEMAND FOR PRODUCTION OF INSURANCE AGREEMENTS Pursuant to R. 4:10-2(b), demand is hereby made that you disclose to the undersigned whether there are any insurance agreements or policies under which any person or firm carrying on an insurance business may be liable to satisfy all or part of a judgment which may be entered in the action or to indemnify or reimburse for payment made to satisfy the judgment. If so, please 18 HUD-L-004920-17 12/01/2017 12:11:59 PM Pg 19 of 19 Trans ID: LCV2017564907 attach a copy of each, or alternative state, under oath and certification: (a) policy number; (b) name and address of insurer; (c) inception and expiration date; (d) names and addresses of all persons insured thereunder; (e) personal injury limits; (f) property damages limits; and (g) medical payment limits. Dated: December 1, 2017 /s/LOUIS A. ZAYAS ______________________ LOUIS A. ZAYAS, ESQ. CERTIFICATION PURSUANT TO R. 4:5-1 I certify that the matters in controversy in this action are not subject of any other action pending in any other court or of a pending arbitration proceeding, and that no other action or arbitration proceeding is contemplated. Dated: December 1, 2017 /s/LOUIS A. ZAYAS ______________________ LOUIS A. ZAYAS, ESQ. 19