Ahmed Jamal and Reem Suqi v. Ally Financial, Inc., et al.

District Court, D. New Jersey·Decided August 25, 2026·No. 2:24-cv-00894·Unknown

Opinion

NOT FOR PUBLICATION

UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY

AHMED JAMAL and REEM SUQI,

Plaintiffs, Case No. 2:24-cv-00894 (BRM) (JBC) v.

ALLY FINANCIAL, INC., et al., OPINION

Defendants.

MARTINOTTI, DISTRICT JUDGE Before this Court are pro se Plaintiffs Ahmed Jamal (“Jamal”) and Reem Suqi’s (together, “Plaintiffs”) objections (the “Objections”) (ECF Nos. 69, 127) to the Hon. James B. Clark’s, U.S.M.J., orders issued on October 1, 2025 (ECF No. 66), and April 22, 2026 (ECF No. 113). Defendants Del Automotive Inc. d/b/a Del Toyota (“Toyota”), James Lopez (“Lopez”), and Heather Karkoska (“Karkoska”) (together, “Toyota Defendants”) opposed both Objections. (ECF Nos. 70, 129.) Having reviewed and considered the parties’ submissions filed in connection with the Objections and having declined to hold oral argument pursuant to Federal Rule of Civil Procedure (“Rule”) 78(b), for the reasons set forth below and for good cause having been shown, Plaintiffs’ Objections (ECF Nos. 69, 127) are OVERRULED. I. BACKGROUND The factual background of this matter is well known to the parties and was previously detailed in the Court’s Opinion issued on December 27, 2024. Jamal v. Ally Fin., Inc., Civ. A. No. 24-894, 2024 WL 5232926, at *1–2 (D.N.J. Dec. 27, 2024). It is, however, necessary to summarize the long procedural history of this case. This action arises from a disputed contract and alleged unauthorized loan pertaining to the lease of a vehicle. Jamal, 2024 WL 5232926, at *1. On May 2, 2024, the Toyota Defendants moved

to dismiss Plaintiffs’ Complaint pursuant to Rule 12(b)(6). (ECF No. 18.) As a result of the Court’s December 27, 2024 Opinion and Order resolving Toyota Defendants’ motion to dismiss, the following claims remain against Toyota Defendants: (1) Breach of Fiduciary Duty (Count VI); (2) Common Law Fraud (Count IX); (3) Unconscionable Practices in Violation of the CFA (Count X); and (4) Vicarious Liability of Toyota (Count XIV). Jamal, 2024 WL 5232926, at *10 (declining to dismiss these claims because the Toyota Defendants “fail[ed] to address these claims” and, consequently, “waived their arguments as to these” claims). On March 4, 2025, Plaintiffs filed a motion for sanctions against William E. Schaefer (“Schaefer”), counsel for Toyota Defendants.1 (ECF No. 47.) Toyota Defendants opposed that motion on March 24, 2025. (ECF No. 48.)

On June 13, 2025, Toyota Defendants filed a letter advising Judge Clark of various discovery disputes, namely Plaintiffs’ refusal to allow an inspection of the vehicle that is the subject of the lease (“subject vehicle”). (ECF No. 50.) Plaintiffs set forth the basis for their objections to Toyota Defendants’ discovery requests on June 27, 2025. (ECF No. 53.) On August 21, 2025, Toyota Defendants filed a motion to compel Plaintiffs to answer their interrogatories, produce documents, and to allow the inspection of the subject vehicle (ECF No. 60.) Plaintiffs, on September 2, 2025, opposed the motion to compel and cross moved for a

1 The motion is captioned fully as a motion for sanctions and order to show cause. (ECF No. 47.) But the Court construes it as a motion for sanctions. See infra Section III.A.2. protective order, asking the Court to hold the motion in abeyance pending the resolution of Plaintiffs’ then-pending motion for sanctions. (ECF No. 61.) On October 1, 2025, Judge Clark issued an Order denying Plaintiffs’ motion for sanctions and terminating the parties’ discovery motions. (ECF No. 66.) Judge Clark directed the parties to

serve responses to all extent written discovery requests by October 20, 2025, to engage in a good faith meet and confer, to attempt to resolve any outstanding disputes, and to the extent disputes remain. (Id. at 2.) Judge Clark also instructed the parties to submit a joint letter setting forth all areas of dispute along with the parties’ respective positions by November 21, 2025. (Id.) The Toyota Defendants filed a letter on October 14, 2025, informing Judge Clark that they had met and conferred with Plaintiffs but that Plaintiffs “refus[e] to make the [subject vehicle] available for inspection absent a court order.” (ECF No. 67.) On October 15, 2025, Judge Clark “f[ou]nd the condition of the vehicle at issue to be within the proper scope of discovery in this matter pursuant to [Rule] 26(b)(1)” and ordered Plaintiffs to “make the vehicle available for inspection by [Toyota] Defendants on October 28, 2025.” (ECF No. 68.) That same day, Plaintiffs

filed a motion for expedited review of the October 1, 2025 Order. (ECF No. 69.) Toyota Defendants opposed that motion on October 22, 2025.2 (ECF No. 70.) On October 24, 2025, Plaintiffs filed two motions: a motion to vacate or stay the enforcement of the October 15, 2025 Order (ECF No. 71), which the Toyota Defendants opposed (ECF No. 74), and a motion for leave to amend the complaint (ECF No. 72), which the Toyota Defendants also opposed (ECF No. 73). To address these two motions, Judge Clark ordered the parties to appear for an in person hearing set for November 19, 2025, and stayed Toyota

2 On November 10, 2025, Plaintiffs responded to Toyota Defendant’s brief in opposition to Plaintiffs’ motion for an expedited review of the October 1, 2025 Order. (ECF No. 79.) Defendants’ inspection of Plaintiffs’ vehicle pending the hearing. (ECF No. 75.) Plaintiffs requested to appear remotely for that hearing, or in the alternative, sought an adjournment to December 2, 2025. (ECF No. 76.) On November 10, 2025, Judge Clark granted Plaintiffs’ request to adjourn the hearing to December 2, 2025. (ECF No. 77.) “[T]o assist [Judge Clark’s]

evaluati[on] [of] the record as it relates to the issues scheduled to be addressed at the December 2[,] [2026] hearing” (ECF No. 81), Plaintiffs submitted the following documents: (1) “Plaintiffs’ Conflict Notice and Second Conflict Notice,” (2) “Defendants’ subpoena to New Jersey Motor Vehicle Commission,” (3) “Defendants’ records showing registration [was] not completed until June 22, 2021,” (4) “Defendants’ internal records showing retention of title, plates, and registration,” and (5) “[s]ome of Defendants’ October 27 overnight emails . . . to Plaintiffs” (ECF No. 81-1 at 1–24). On November 18, 2025, Plaintiffs inquired as to the logistics of the hearing, which had been adjourned at Plaintiffs’ request. (ECF No. 82.) Two days later, Plaintiffs cited “personal exigent circumstances” and asked for a 60-day stay of all proceedings. (ECF No. 83.)

Pursuant to the October 1, 2025 Order, Toyota Defendants filed a joint letter with Defendant Ally Financial, Inc. (“Defendant AFI”) (together, “Defendants”) laying out both of their respective discovery disputes. (ECF No. 8 at 1–3.) In that joint letter, Defendants also informed Judge Clark that despite Plaintiffs’ agreement to prepare and file a joint letter setting forth all areas of dispute called for in section 2(b) of the October 1, 2025 Order, Plaintiffs had failed to provide a “full draft letter and have not responded to inquiries regarding its status or even whether they [were] able to provide the same” in light of the circumstances raised in the Plaintiffs’ letter seeking a 60-day stay of all proceedings. (Id. at 1 (citing ECF No. 83).) Defendants also jointly objected to Plaintiffs’ last-minute request of said stay and sought dismissal for lack of prosecution and discovery non-compliance. (Id. at 3.) On November 24, 2025, Judge Clark ordered Plaintiffs to file a motion requesting a stay of this matter with a detailed explanation as to the reason such a stay is required by December 8, 2025, and adjourned the in-person hearing scheduled for December 2 to December 22, 2025. (ECF

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Ahmed Jamal and Reem Suqi v. Ally Financial, Inc., et al., (D.N.J. 2026).

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