Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 6 of 60 0 01 2 3 4 IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA 5 ___________________________ 6 IN RE: 7 LEAGUE PLAYERS' CONCUSSION : 2:12-md-02323-AB 8 INJURY LITIGATION MDL No. 2323 9 ___________________________: NATIONAL FOOTBALL : : No. 10 11 12 TRANSCRIPT OF RECORDED CONVERSATION OF ADDYS WALKER AND 13 14 REPORTED BY: CARRIE A. CAMPBELL, RDR CRR CSR 15 16 17 18 19 20 21 22 23 24 25 Golkow Litigation Services Page 1 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 7 of 60 1 2 MS. MILON: Good afternoon, . 3 MR. 4 MS. MILON: : Good afternoon. How are you? This 5 is Gail Milon, Addys Walker, and 6 Regina McCarthy. 7 conference call. I have you on a 8 How are you, sir? 9 MR. 10 : I'm all right. MR. WALKER: All right. This 11 is Addys. 12 know if they sent you the actual 13 document that the judge has signed 14 arguably saying that there is no 15 interest to be paid from any of you 16 guys on the money so far that has been 17 loaned to you. 18 19 20 21 As things stand -- I don't Do you know anything about that? MR. : No, I haven't received not one e-mail. 22 MR. WALKER: 23 MR. 24 25 : Okay. I'm trying to understand what you're saying. MR. WALKER: Golkow Litigation Services The judge in the Page 2 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 8 of 60 1 federal case, a federal judge, signed 2 a court order that says that you-all 3 are to pay back every dime that we 4 gave you but we don't get any 5 interest. 6 money back from you guys, basically, 7 without there being any interest, and 8 to what you borrowed. 9 said, that means she's canceled the So we need to just get the But with that 10 contract. 11 contract, that means every dime you 12 borrowed, you owe us now. If she cancels the 13 Okay? 14 MR. 15 MR. WALKER: : Okay. And I'm going to 16 get you a copy of that and what you 17 signed initially with Don, not me, you 18 forfeited whatever money -- if you 19 don't have the money to give back, the 20 money that was in there, that was in 21 the 401(k), then becomes actually the 22 property of the companies less the 23 amount that you still owe if you got 24 more money than you had in the 401(k) 25 based on what the judge has done. Golkow Litigation Services Page 3 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 9 of 60 1 This isn't something we've 2 done. 3 to do. 4 I'm going to get you a copy of it so 5 that any of you-all want to argue with 6 a federal judge, be my guest. 7 decided even the bank cannot get any 8 money back from you guys in the form 9 of interest that you have borrowed 10 11 This isn't something we wanted This is what her order is, and But she money from against your case. And the one thing that's -- 12 we'll argue that that's not fair is 13 she is falling on deaf ears because 14 she said I don't care what you're 15 saying, you're not getting it. 16 this point every player we loaned 17 money to now owe us that sum of money 18 back without interest, but you still 19 owe the money back to ensure everybody 20 walk away with clean hands. 21 pretty sure -- how much money does he 22 owe right now here? 23 MR. : So at I'm Hey guys -- hey 24 guys, I got -- I have my wife here 25 listening too so if she have any Golkow Litigation Services Page 4 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 10 of 60 1 questions you guys okay to answer. 2 3 MR. WALKER: fair. 4 Okay. That's Hold up. MS. MILON: Now let me -- let 5 me say this, because I'm looking at 6 the sheet that Al sent me, but the 7 sheet that Al sent me also has 8 interest. 9 MR. WALKER: Okay. I need -- 10 MS. MILON: 11 MR. WALKER: 12 going to do, do you know, 13 much money you have received to date? 14 Because he has added the interest and 15 this is one of the problems that now 16 has to be changed. 17 judge's order, we have to go back down 18 and take off all interest and just 19 look at each wire that has gone out to 20 every player so that we can tell those 21 players how much money they owe this 22 company less whatever they have paid. 23 Hold up. 24 MS. MILON: 25 Hold on one second. Okay. What I'm , how Because of the We don't have the file. Golkow Litigation Services Page 5 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 11 of 60 1 MR. WALKER: Hey, , sorry to 2 do this. 3 call the auditor to ask him what 4 amount you got in totality as far as 5 in pocket so far from us so that I can 6 have a more clearer call with you as 7 to where we are. 8 9 I need to have -- I need to MR. : Now, the monthly -- so, now, the monthly -- the monthly -- 10 the monthly disbursements I was 11 getting. 12 MR. WALKER: 13 MR. : Right. That contract I 14 signed, that's from the up and 15 coming -- the up and coming concussion 16 settlement. 17 upon -- not upon my 401(k) rollover. 18 The 401(k) rollover was for the loans 19 that Don gave me, the three -- the 20 loans that he gave me, it's 11,000 a 21 month, 4,000 a month, whatever it was, 22 that was depending on the 401(k) -- 23 not 401(k), but the concussion 24 settlement. 25 I agreed to take that MR. WALKER: Golkow Litigation Services Absolutely, until Page 6 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 12 of 60 1 the judge canceled those contracts. 2 I'm going to send you a copy of her 3 order so you can see it, so you can 4 understand that the contract you 5 signed as of right now, she says none 6 of you-all had the compensity {sic} or 7 understanding enough to have signed 8 the contract so, therefore, you-all 9 basically should not have anybody 10 charge you interest on the money and, 11 therefore, you-all need to give all 12 the money back. 13 MR. : So you're basically 14 saying -- the judge is saying that we 15 shouldn't pay back the money, but we 16 shouldn't -- we're going to have to 17 pay back the monies because we didn't 18 the capacity or whatever 19 understanding, but she's saying that 20 if you have a 401(k) that you rolled 21 over, Judge Brody is saying that if 22 all of the players rolled over their 23 401(k), they rolled over their 401(k) 24 money, they have to pay that -- they 25 have to use that to pay it back Golkow Litigation Services Page 7 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 13 of 60 1 because they signed a contract that 2 said that they would? 3 MR. WALKER: 4 MR. : Right. Because -- So Judge Brody is 5 saying all the players who rolled over 6 their 401(k) money, we have to use 7 that 401(k) money to pay back the 8 money we got from Cambridge? 9 MR. WALKER: No, that's not 10 what I said, because everybody didn't 11 roll over a 401(k). 12 MR. 13 MR. WALKER: : Right. But if you signed 14 an agreement saying that the 401(k) 15 could be used as leverage -- 16 17 MR. : Collateral? Collateral? 18 MR. WALKER: 19 Against the money and now she's Right. 20 canceling the contract, then that 21 money can be attached, yes, because at 22 this point you don't have a contract 23 that doesn't allow us to attach it 24 because she killed all contracts. 25 said you-all basically shouldn't have Golkow Litigation Services She Page 8 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 14 of 60 1 never received any money. 2 MR. 3 MR. WALKER: : Right. Because you don't 4 have the compensity {sic} or the 5 capacity to understand what to do with 6 it or be understanding of what you 7 signed. 8 9 10 MR. part. : Right. I got that I saw -- yeah, I got that part. MR. WALKER: So with that said, 11 she left everybody in a lurch that has 12 loaned out money that basically to 13 say, you know, find out what these 14 guys have went out and bought, to see 15 what they have, get it from them 16 another way, but basically you're not 17 going to get it through their 18 settlement. 19 MR. : Okay. So the 20 settlement -- you can't get any of the 21 money from the settlement? 22 MR. WALKER: Well, no, not -- 23 not unless she said -- not unless we 24 waive all rights to go after you-all 25 for the money right now with no Golkow Litigation Services Page 9 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 15 of 60 1 interest included. 2 is still fighting to put the contracts 3 back in place. 4 MR. 5 MR. WALKER: : Because everybody Right. But what we 6 have -- what we have to do right now, 7 we can't base it on her eventually 8 then overrule or changing her mind. 9 We have to base it on where we are 10 right now, and the order right now 11 says basically get the money back from 12 them. 13 MS. : Okay. So I have a 14 question. 15 basically I'm having a hard time 16 understanding if the money that's 17 being rolled over was used as 18 collateral for the concussion lawsuit, 19 then that would imply that when the 20 concussion lawsuit -- wouldn't the 21 players actually paid out of the 22 concussion lawsuit, they would use 23 that money to pay off the balance of 24 what they owe Cambridge Capital? 25 Unless you're telling us right now Golkow Litigation Services This is . So Page 10 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 16 of 60 1 that the judge's demanding full 2 payment as of this moment back to you 3 guys, or are you saying that you're 4 demanding full payment back at this 5 moment? 6 MR. WALKER: No. The judge is 7 saying it's up to us to demand full 8 payment back right now because she's 9 not going to let us make any interest 10 off of the money, so we need to go and 11 let the players know they need to pay 12 us back. 13 players don't seem to have any capital 14 at all, and go before the group that's 15 doing the concussion settlement and 16 say to them we waive all rights to 17 arguably sue them for any interest 18 that they should owe us and, 19 therefore, then if they meet that 20 criteria, they give us the money back. 21 If they don't meet the criteria, you 22 just get it back from them. Or we have to wait, if the 23 So she set it up where the 24 contract does not matter anymore. 25 the contract that says -- we taking a Golkow Litigation Services So Page 11 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 17 of 60 1 chance if you meet the concussion 2 group -- the concussion rating group, 3 we'll get our money at that point. 4 you don't, we just write it off as a 5 loss. 6 anymore because she basically said, 7 no, we're not going to -- I don't care 8 what they signed, we're not going to 9 do it. If That contract is not in place 10 So at this point that means 11 we're all at square one, which is, 12 whatever monies you have, we need 13 back. 14 have to take a chance and hope that 15 you do meet the concussion settlement 16 protocol, at which point they'll give 17 us back our money but no interest. 18 But if you already have some money or 19 a home or a car, I can go after that 20 to get the money back as of right now. 21 And if you don't have it, we MS. : But you couldn't 22 obtain interest as of right now 23 anyway, right? 24 interest until you go through the 25 court system and allow Judge Brody to Golkow Litigation Services You couldn't obtain Page 12 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 18 of 60 1 re-rule saying that you can get 2 interest, right? 3 MR. WALKER: No. As I said, we 4 have to have a panel of judges which 5 then some of the groups are doing 6 already, they are basically trying to 7 overturn her order and have it put 8 back in place that the contracts are 9 proper because they were done under 10 state law, not federal law, even 11 though federal law overrules state law 12 based on our understanding. 13 We talked with our attorney. 14 He said basically at this point any 15 money that you have in which somebody 16 signed an agreement saying that you 17 can use their money as leverage 18 against the money they have is money 19 that belongs to us until this is 20 overturned. 21 MS. 22 But in our situation, that was : Right. 23 as a stipulation if the concussion 24 lawsuit fell through, but the 25 concussion lawsuit hasn't fallen Golkow Litigation Services Page 13 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 19 of 60 1 through yet. 2 MR. WALKER: No. See, you're 3 again talking about a contract that 4 don't exist anymore based on Judge 5 Brody. 6 does not matter. 7 about the stipulation that was in the 8 agreement. 9 Brody said there is no agreement. Judge Brody says that contract So you're talking As of right now, Judge 10 You-all just owe the money back, 11 period, and she don't want to hear any 12 more about it. 13 MS. : So she hasn't given 14 a time frame as to how long the 15 players have to pay back the money 16 they borrowed? 17 MR. WALKER: No, they've left 18 it up to us to either sue you or ask 19 you to just return it at this point 20 because she didn't -- or to say 21 you-all, if you don't have the money 22 we loaned you, we'll wait until you go 23 and see if you meet the protocol, and 24 if not, we'll then get a judgment 25 against you through a court system for Golkow Litigation Services Page 14 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 20 of 60 1 the money that you borrowed -- not 2 interest, the money you borrowed -- 3 and then we wait and at some date 4 hopefully recover the money when you 5 do finally meet it or something 6 happens where you have a windfall. 7 that point she's put us all in a 8 really bad place. 9 MS. : So in At case 10 specifically, he meets the concussion 11 protocol according -- according to the 12 doctors, and he has invested his money 13 with you guys, so you actually have 14 possession of his retirement account 15 right now. 16 MR. WALKER: 17 MS. : Right. So what would be 18 your ideal plan to recover the money 19 that 20 this moment right now? 21 owes in this situation at MR. WALKER: 22 now, 23 he has put in. 24 25 Well, as of right owes possibly more than what MS. : Well, that's not -- according to Apple, our account -- Golkow Litigation Services Page 15 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 21 of 60 1 we've made almost $134,000 in interest 2 alone which would -- 3 MR. WALKER: I just said there 4 is no interest because she canceled 5 the contract. 6 MS. : No. I'm talking 7 about the money that we've invested 8 has accrued interest. 9 MR. WALKER: Okay. When the 10 contract died, the investment stopped. 11 At that point all -- she said all 12 interest that was owed to all parties, 13 whether you were an investor or a 14 party that is going to have to pay 15 interest is all canceled. 16 MS. : So how -- okay. So 17 this is where I'm confused. 18 if 19 of the NFL and wanted to invest money 20 with Gail or whoever does the 21 investing there with Cambridge 22 Capital, it wouldn't make a 23 difference. 24 accruing -- he would either be gaining 25 or losing money according to his Because came to you separately outside Golkow Litigation Services His money would still be Page 16 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 22 of 60 1 investment plan. 2 MR. WALKER: No, that's not 3 true. 4 you to read the federal judge's order. 5 6 As a judge -- and again, I ask MS. : Okay. it over to us, please? 7 MR. WALKER: 8 MS. 9 10 11 12 Can you send : Say what now? Could you forward that over to us, the judge's order? MR. WALKER: Oh, we will send that over to you. And once you read it, then you 13 and I have a conversation and we be -- 14 the conversion {sic} will be easier at 15 that point. 16 saying apples, I'm saying oranges 17 because you haven't read the order 18 that explains that as far as she's 19 concerned, none of these guys have the 20 capacity to understand what they've 21 signed and, therefore, anything 22 they've signed, including a signed 23 contract saying give me interest on 24 money I put in or money that I've 25 received that I have to pay interest Golkow Litigation Services Because right now you're Page 17 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 23 of 60 1 back on, does not exist because they 2 don't have the capacity to make a 3 decision to make money nor get money. 4 MR. : Okay. This is 5 This is 6 of this year, the judge -- you're 7 saying Judge Brody is saying Mr. 8 rolled over his 401(k) with 9 660-someodd thousand dollars, and , Addys. . So as of January 10 Cambridge Capital, although they made 11 interest almost a year by it being in 12 there, Mr. doesn't get any of 13 that interest. Cambridge Capital 14 Group gets to keep that interest in 15 that investment of his 401(k) that he 16 rolled over; that's what you're 17 saying? 18 MR. WALKER: No. First of all, 19 there is no interest as far as she is 20 concerned because what she said was, 21 just like you're not capable of 22 receiving money -- we're not capable 23 -- you're not capable of paying us 24 money back for the money we gave you 25 as far as interest is concerned Golkow Litigation Services Page 18 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 24 of 60 1 because you did not have the ability 2 to understand the contract. 3 MR. 4 MR. WALKER: : Right. You don't get to 5 get any money from the interest 6 because either you -- if you can 7 understand the contract that would get 8 you paid interest, you understand the 9 contract that should have made you 10 able to pay back interest. 11 have it just one way. 12 MR. 13 MR. WALKER: : You can't Right. So that's what we 14 were trying to explain to her, you're 15 hurting the players who actually took 16 it upon themselves to also invest so 17 they could make money and she said, 18 no, they wouldn't understand how to do 19 that. 20 from -- any interest for anything they 21 would have invested because they 22 wouldn't have understood that 23 contract. 24 gotten from you-all, they don't pay 25 any interest back on it because they And so they don't get money Golkow Litigation Services And the money that they've Page 19 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 25 of 60 1 2 wouldn't understand that contract. So what we're saying there's 3 nothing is what I keep trying to 4 explain. 5 MS. : Right. But so the 6 actual dollar amount, though, that Al 7 said that interest accrued, that 8 dollar amount exists, like the 9 $134,000 was made, so I'm asking where 10 11 does that go? MR. WALKER: It does not exist. 12 As far as the judge is concerned -- 13 you're asking what we're asking. 14 as far as she's concerned, there is no 15 interest on that money because, again, 16 he could not earn any money on the 17 contract he signed because he didn't 18 understand what he signed. 19 MS. : And I understand that 20 you're saying that he hasn't earned 21 any money, but money was earned. 22 Based off of the $662,000 that was 23 invested, there was money gained from 24 the investment as interest that 25 was made. Golkow Litigation Services So I'm asking where -- so Page 20 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 26 of 60 1 the dollar amount that Al gave us 2 you're saying -- he just made that up, 3 the $134,000 was -- 4 MR. WALKER: It was contingent 5 on a contract that was in place. 6 There is no contract in place. 7 got it? 8 9 MS. : You So the investments that Gail has been making, there has 10 been no money made in the investments 11 that Gail has been making? 12 13 14 MR. WALKER: player -MS. : 15 about players. 16 general. 17 Not for any I'm not talking I'm just saying in MR. WALKER: Yeah, no, we're 18 talking about for players because this 19 is a player issue. 20 MS. 21 MR. WALKER: : Right. She's saying the 22 contract -- no. 23 You're talking this is a regular 24 investor. He is not a regular 25 investor. He's a player. Golkow Litigation Services Stop. Stop. Stop. A player Page 21 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 27 of 60 1 with a brain injury that she says that 2 is incapable of understanding anything 3 you signed. 4 able to arguably argue your way into 5 what makes sense because we said to 6 her, this doesn't make sense. 7 says to us, look, it doesn't make it 8 makes sense -- 9 So you're not going to be MR. : Right. She Well, yeah, 10 I understand that, Addys. 11 understand where you're coming from. 12 And at the end of the day, I'm not a 13 lawyer, nor is 14 understand that what you're saying. 15 And at the end of the day, once I get 16 the paperwork and everything, I mean 17 somebody who is a lawyer can explain 18 what Judge Brody is saying better. 19 don't know. 20 not quite sure. 21 lawyer, Tim can explain it. 22 Tim doesn't want to represent me, then 23 I can call somebody and they can 24 explain it for me. 25 I . I I haven't read it. I'm I mean, if Tim is my And if But that's irrelevant. Golkow Litigation Services I That's Page 22 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 28 of 60 1 neither here nor there. 2 to get what it is that I owe without 3 interest documented so I can see it or 4 an attorney can see it or whoever we 5 need to talk to need to see it to see 6 exactly what it is. 7 MR. WALKER: I just need Okay, . That's 8 what I want to do and get you -- we're 9 sending you the order that the judge 10 said where she says none of you-all 11 are capable of understanding what you 12 signed. 13 need to read it and then let me get 14 you what the number is that you 15 received so far and then we'll let 16 your attorney explain to you what this 17 means. So you'll get that, you-all 18 Okay? 19 MR. 20 of them to 21 : Could you send both -- dot . 22 MS. MILON: 23 MR. WALKER: 24 25 Hold on. Hold on. They're going to write it down. MS. MILON: Golkow Litigation Services Say it again. Page 23 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 29 of 60 1 MR. WALKER: 2 MR. : 3 MS. : 4 5 Say it again. It's , , as in . And if you could send the 6 balance as well as the judge's order 7 to that e-mail. 8 MR. WALKER: Well, they're 9 going to give them the order first. 10 have to now reach back and have him 11 take off all of the interest because 12 when they did these things, they set 13 it up with interest that was accruing. 14 But, like I said, his contract with us 15 even has been canceled because he 16 couldn't have understood what we had 17 him to sign based on the judge. 18 we know that's a lie, and we know 19 that, you know, he can understand. 20 They're now saying that -- they're not 21 trying to pay any of these players 22 unless they're pretty much bumbling 23 idiots and they have somebody who has 24 to take care of their everyday needs 25 that's walking around with them. Golkow Litigation Services I But Page 24 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 30 of 60 1 So they denied a young man's 2 claim because he was able to hand out 3 water at a flag football game because 4 they said that gave him the capacity 5 to understand he needed to hand the 6 water out to individual people which 7 means he got enough sense to be able 8 to be somewhere working and not having 9 to get paid as -- what you want all he 10 11 was with that. MR. So -: Addys, Addys, Tim 12 did send an e-mail to everyone and let 13 them -- in which he -- and what you 14 said, no matter what 15 Judge Brody's order was, my client, 16 17 18 19 20 -- what was going to pay back his money he owed anyway. You did get that a couple of weeks ago, right? MR. WALKER: Yeah, no, he -- 21 yeah, we asked him to send us 22 something on behalf of his clients, 23 but I'm telling you, yes, that's not a 24 problem. 25 MR. We will -- Golkow Litigation Services : That Judge Brody Page 25 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 31 of 60 1 order didn't mean nothing to me 2 because I'm not stupid. 3 got from Cambridge Capital. 4 MR. WALKER: No. I know what I No. I 5 understand that, but I'm telling you, 6 you got to read this order so you can 7 see she's saying you are stupid and 8 you don't know what you got from us. 9 I'm just telling you. 10 11 12 MR. : I got you. I understand what you -MR. WALKER: Let's talk about a 13 broad brush. 14 that meet the criteria don't have the 15 capacity to understand. 16 MR. She said all players : So you basically 17 got -- your stance is basically 18 Cambridge Capital is saying, okay, if 19 they didn't understand, all the money 20 that they rolled over into -- this 21 convict that rolled -- that took all 22 their money in the 401(k) and rolled 23 over and they signed the contract with 24 this convict that's in prison right 25 now, all the money that the players Golkow Litigation Services Page 26 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 32 of 60 1 have rolled over from this contract to 2 this convict to Cambridge Capital, all 3 of those players, even though 4 Cambridge Capital invested, what you 5 guys are saying basically we don't -- 6 we're not going to give them interest 7 and we not -- they didn't make any 8 money, Judge Brody, because you're 9 saying that they were incompetent of 10 signing this contract with this 11 convict that's locked up right now. 12 So their 401(k) money, if they 13 borrowed it from Cambridge Capital or 14 we gave them monthly advances, all 15 that money that they owe, we're taking 16 that from their -- we're taking that 17 from whoever signed over rights to 18 their 401(k) for us to take from them, 19 basically. 20 MR. WALKER: So see -- see how 21 stupid that sounds, 22 absolutely correct in what you're 23 saying, though. 24 it's sad because the judge herself is 25 trying to say that all of you are Golkow Litigation Services ? You're But the problem is Page 27 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 33 of 60 1 incompetent with a broad brush if -- 2 say that the contract would stay in 3 place, everybody would just continue 4 to move forward and there would be 5 monies made and the ability to do 6 something. 7 But what she did not think 8 about is even the lease now that you 9 have signed where you live, if you 10 signed it, you're not competent to 11 have signed the lease. 12 a car and you're making monthly 13 payments, based on her determination, 14 if you meet the criteria, that 15 contract isn't any good, you don't owe 16 shit on it, because he should have 17 never sold you the car being that 18 you're incompetent; therefore, they 19 should give you all your money back 20 that you put up to buy. 21 MR. : If you bought So -- right. So the 22 judge -- Judge Brody -- so Judge 23 Brody, basically once she get all this 24 information from whoever, whatever 25 attorney, she will be basically -- Golkow Litigation Services Page 28 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 34 of 60 1 they will be basically telling -- 2 saying to Judge Brody, "Judge Brody, 3 this -- this client of mine rolled 4 over $660,000 with a convict right now 5 who has probably 35 years in prison 6 down at Cambridge Capital, he's in 7 prison right now, but 8 his 401(k) IRA and this convict was 9 giving them advances from Cambridge rolled over 10 Capital. 11 have made investments or wherever it 12 is, we don't really know where it is, 13 I'm sure they probably got it, but 14 right now 15 money, staying where he needs to stay, 16 and Cambridge Capital has basically 17 taken all the money that this convict 18 signed a contract with 19 taking it and saying basically 20 owes this money back so we're not 21 giving it to him." 22 Now, Cambridge Capital may is broke, don't have any and they're So that's basically what's 23 happening. 24 interest he gained on the $600,000, we 25 don't know where that is, we don't Golkow Litigation Services No matter how much Page 29 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 35 of 60 1 know what the deal is. 2 because of your order, you're 3 basically telling Cambridge Capital 4 they can have his 401(k) because this 5 convict that's locked up right now 6 rolled it over -- rolled it over with 7 him right now. 8 9 All we know is So that's my argument. the only thing I have. That's You know, and 10 that's all -- I don't have -- 11 basically I don't have anything right 12 now. 13 call Chris or somebody to say, "Hey, 14 my shit gone, and this is why it's 15 gone, here's the story, and here's my 16 voicemails, here's my records, and you 17 guys can take it to whoever you need 18 to take it to." 19 But to go cry to a lawyer or MR. WALKER: Yes. And guess 20 what he's going to say? 21 absolutely correct. 22 said is true, and there's nothing we 23 can do because this lady is crazy. 24 And he's going to say Chris owned part 25 of -- what's the bank? Golkow Litigation Services You're Everything you've Page 30 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 36 of 60 1 MR. : Esquire. I know 2 Chris. 3 attorney when the concussion stuff 4 started five years ago. 5 He's my -- that was my first MR. WALKER: Right. 6 owns part of Esquire Bank. 7 online and look -- 8 9 MR. it. : Okay. He If you go No, I saw it. I saw I saw it. 10 MR. WALKER: Okay. He's 11 arguing with the judge that he still 12 should get his money in spite of 13 everybody else not being able to get 14 theirs. 15 MR. 16 MR. WALKER: : Right. So she said to him 17 basically go fuck yourself. 18 giving you the money. 19 apologize to your wife. 20 MR. : 21 understand. 22 understand that. 23 No. I mean, I No. We can talk. MR. WALKER: We're not No. I I Yeah, so basically 24 what she's saying is I don't care what 25 anybody's arguments are. Golkow Litigation Services I don't Page 31 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 37 of 60 1 care -- and you-all truly have a good 2 argument. 3 all of this, but the contracts are 4 here and the contracts are reasonable 5 and simple to understand. 6 is you wouldn't understand them based 7 on her, which is a lie, but that's 8 what she said. 9 10 I wasn't here when he did MR. : The problem Right. MR. WALKER: So what I 11 suggested to the group, I'm talking 12 about all the other funders, is what 13 we need to do is invest in paying some 14 of these doctors who have actually set 15 out and understand CTE to be able to 16 sit in front of this judge and say to 17 her you're out of your freaking mind. 18 They don't have to be retarded, just 19 they have CTE. 20 MR. : Right. Yeah, 21 because it's hurting me because the 22 401(k), I mean, whether I -- it's 23 hurting me because the 401(k) that I 24 rolled over, the interest that was 25 made off is basically can be, okay, Golkow Litigation Services Page 32 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 38 of 60 1 now that they've made interest, that 2 money is washed. 3 whoever has that interest or wherever 4 it is, so that's what you -- 5 MR. WALKER: Cambridge Capital or As to whoever 6 wins, wins, whoever loses, loses, we 7 don't care. 8 to us. 9 unfair. That's what she's saying And we're saying that's We don't appreciate it. We 10 want you-all to win. 11 we don't want you-all to lose 12 anything. 13 You-all have been screwed enough. 14 We're not trying to screw you over. 15 We're trying to tell you where she put 16 us. 17 you because we're out more money than 18 we have by far, trust me. 19 We don't want -- You-all are great guys. She put us right where she put So we would love to get our 20 money back plus interest, but at this 21 point she's saying good luck on that. 22 Because trust me, we haven't made 23 nearly as much interest as we did the 24 money we loaned out. 25 are literally way behind, so we Golkow Litigation Services So we are -- we Page 33 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 39 of 60 1 haven't won at all. 2 everybody, but she screwed us most. 3 MR. : She screwed So hopefully -- so I 4 basically need to get the numbers of 5 what I -- from what I've gotten from 6 Don Oll's contracts basically, get all 7 of those back up on my e-mail. 8 MR. WALKER: 9 MR. : Right. So you guys have the 10 number of what I've got monthly. 11 all the players that got monthly 12 advances, they got -- everybody got to 13 pay them back? 14 15 MR. WALKER: read the order. Absolutely. So You I sent it to you. 16 MS. MILON: 17 MR. WALKER: It's already sent. Just read the 18 order. 19 everybody just need to be able to walk 20 away and say here's -- you know, tell 21 them they need to just pay the money 22 back with no interest. 23 where we are. 24 25 And she said basically MR. So that's Okay? : So when I will be getting the numbers that I owe? Golkow Litigation Services Page 34 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 40 of 60 1 MR. WALKER: I'm waiting on 2 him -- I'm asking the accountant -- 3 you know it's the holidays, 4 probably ain't going to do it until 5 next week. 6 he'll go in, take off all the 7 interest, everything that you owe as 8 well as the interest that would have 9 been made and just give us hard But I'm asking him if 10 numbers. 11 quick as I can, I promise. 12 , so he And I'll get those to you as MR. : Are they going to 13 send us the contracts that were 14 signed? 15 send me the order -- no, not the 16 order. 17 the money that was accrued? 18 I mean, are they going to The monthly advances, all of MR. WALKER: Yeah. Yeah. What 19 we have is the ability -- we pulled 20 where -- because everything went out 21 via a wire. 22 track everything by the wires that you 23 received, not necessarily just the 24 contract. 25 copies of all of that. Golkow Litigation Services So we have the ability to So we're going to get you Okay? Page 35 Case 2:12-md-02323-AB Document 9578-2 Filed 01/26/18 Page 41 of 60 1 2 MR. Oh, you're right. My bank has it, too. 3 4 : right. Okay. MR. WALKER: Okay. Thank you, . Great. All 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Golkow Litigation Services Page 36