Carrea Christopher v. Santander Consumer USA Inc.

CourtDistrict Court, S.D. California
DecidedNovember 21, 2025
Docket3:23-cv-01608
StatusUnknown

This text of Carrea Christopher v. Santander Consumer USA Inc. (Carrea Christopher v. Santander Consumer USA Inc.) is published on Counsel Stack Legal Research, covering District Court, S.D. California primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Carrea Christopher v. Santander Consumer USA Inc., (S.D. Cal. 2025).

Opinion

1 2 3 4 5 6 7 8 UNITED STATES DISTRICT COURT 9 SOUTHERN DISTRICT OF CALIFORNIA 10 11 CARREA CHRISTOPHER, Case No.: 3:23-cv-01608-JAH-DEB

12 Plaintiff, ORDER DENYING PLAINTIFF’S 13 v. MOTION FOR SANCTIONS

14 SANTANDER CONSUMER USA Inc., [ECF No. 31] 15 Defendant. 16 17 BACKGROUND 18 On October 3, 2025, Plaintiff Carrea Christopher (“Plaintiff”) filed a motion for 19 sanctions and entry of default against Defendant Santander Consumer USA, Inc. 20 (“Defendant”). ECF No. 31. On October 13, 2025, Defendant filed its response in 21 opposition. ECF No. 32. 22 Plaintiff has filed an application for sanctions and default judgment against 23 Defendant because, according to Plaintiff, Defendant interjected a request for tax-related 24 information after a confidential settlement had been reached. ECF No. 31 at 1. Plaintiff 25 claims Defendant’s request seeks confidential information that amounts to bad faith and is 26 an unmerited request that makes it impossible to enter arbitration with Defendant. Id. at 2. 27 As a result, Plaintiff seeks sanctions and default judgment against the Defendant. 28 1 Defendant responds by arguing that, while “Plaintiff and SC did reach an agreement 2 on terms of a settlement,” which Plaintiff executed, Plaintiff has not met Defendant’s 3 requirements for settlement. ECF No. 32 at 2. Defendant contends that to trigger 4 completion of the settlement in its entirety, Plaintiff “agreed to provide a completed W-9 5 form” to the Defendant. Id. Now, Defendant contends that “Plaintiff has refused to provide 6 a completed W-9 form to SC.” Id. Defendant argues that this last-stage dispute as to the 7 full and final settlement of the case “may be resolved…by plaintiff providing a completed 8 W-9 form to SC’s counsel.” Id. 9 DISCUSSION 10 The district court retains inherent jurisdiction over accepting or denying settlement 11 agreements in its pending cases when the parties seek dismissal of an action by court order. 12 Kokkonen v. Guardian Life Ins. Co. of Am., 511 U.S. 375, 379-80 (1994). Because the 13 deadline to commence arbitration set by this Court has not yet passed (see ECF No. 30 at 14 9), and because the case has not yet been transferred into arbitration, this Court retains 15 jurisdiction and supervisory control over the matter. See Morris v. Morgan Stanley & Co., 16 942 F.2d 648, 653 (9th Cir. 1991). Prior to issuing an order to dismiss a case based on 17 settlement, the district court “may, in the court’s discretion,” include the retention of 18 federal court jurisdiction over the settlement agreement as a condition of dismissal. Id. at 19 381-82. Such authority derives from the federal court’s authority “to manage its 20 proceedings, vindicate its authority, and effectuate its decrees” over the cases on its docket. 21 Id. at 380. 22 The receipt of a monetary award through settlement is presumed to be reportable 23 income to the federal government, unless the recipient can prove otherwise. C.I.R. v. 24 Schleier, 515 U.S. 323, 327-28 (1995) (interpreting federal tax law to require that “gross 25 income means all income from whatever source derived” unless the taxpayer demonstrates 26 that he meets an express exception provided in the tax code) (citation omitted). See also 27 Milenbach v. C.I.R., 318 F.3d 924, 933 (9th Cir. 2003) (holding that “[t]he taxpayer bears 28 the burden of establishing that proceeds of a settlement are what the taxpayer contends 1 them to be.”). Settlement awards that derive from breaches of contract are ordinarily 2 considered taxable gross income for the recipient of such award, whereas awards that 3 derive from tort may be excluded from taxable income as “compensation for personal 4 injuries or sickness.” Schleier, 515 U.S. at 328-29. The payment of a settlement award 5 by a corporation may also be considered as an “ordinary and necessary” business expense 6 for purposes of tax reporting under federal law. United States v. Hilton Hotels Corp., 397 7 U.S. 580, 582 (1970). See also Smith v. C.I.R., 300 F.3d 1023, 1029 (9th Cir. 2002). 8 First, Plaintiff contends that Defendant’s request for his Internal Revenue Service 9 Form W-9 (“Request for Taxpayer Identification Number and Certification”) constitutes 10 sanctionable conduct. ECF No. 31 at 1-2. Plaintiff’s contention is without merit. Conduct 11 by a party may be deemed sanctionable when it involves “abuse [of] the judicial process,” 12 “a series of meritless motions and pleadings and delaying actions,” and conduct that is 13 frivolous or harassing towards the opposing party. Chambers v. NASCO, Inc., 501 U.S. 14 32, 38 (1991). A corporation may seek tax information of an individual, related to the 15 disbursement of a settlement award, in order to report that award as a business expense for 16 purposes of the corporation’s federal tax assessment. See e.g. Smith, 300 F.3d at 1029. 17 Defendant’s request for Plaintiff’s W-9 tax form is not frivolous or harassing, but instead 18 clearly reasonable. Plaintiff is incorrect in his argument that Defendant has violated law, 19 or engaged in “bad faith and unmerited requests” when the Defendant requires Plaintiff to 20 provide his W-9 tax form as a condition of settlement. ECF No. 31 at 2. And where tax 21 consequences of a settlement are triggered, a simple question about a party’s tax filings 22 that implicates those tax consequences does not amount to any type of discrimination, 23 sanctionable conduct, or violation of a party’s privacy or constitutional rights. As such, 24 Defendant’s questions regarding Plaintiff’s taxes are deemed reasonable and not 25 sanctionable. 26 Second, Plaintiff has presented facts indicating that he has agreed to the terms of the 27 settlement agreement and has executed the confidential agreement with the Defendant, but 28 has now decided that he does not want to provide Defendant with his W-9 form because of 1 the “confidential” nature of this information. ECF No. 31 at 1-2. Because the definition 2 of income includes any “accesio[n] to wealth,” and because the burden rests on the taxpayer 3 to demonstrate “whether the [settlement] awards qualify for special exclusion from gross 4 income” under the federal tax code, Plaintiff must comply with all relevant federal laws 5 and regulations in the determination and reporting of any settlement awards he may receive 6 as a part of this case. United States v. Burke, 504 U.S. 229, 234 (1992) (explaining the 7 narrow scope of the Internal Revenue Code’s exceptions to gross income that must be 8 reported to the government). Because a settlement award in this matter may constitute an 9 accession to wealth, it will be Plaintiff’s burden to prove during the filing of his tax return 10 whether an exception exists to the reporting of taxable gross income from the settlement 11 award he may receive.1 For the foregoing reasons, Plaintiff’s motion for sanctions against 12 Defendant based on Defendant’s request of the W-9 tax form is DENIED. 13 Third, based upon the pleadings submitted by Plaintiff and Defendant, see ECF Nos. 14 31 & 32, the parties have attempted to resolve this matter short of formal arbitration. Such 15 an effort is an admirable one, and may create incentives toward more flexibility in 16 settlement terms as there are generally costs associated with arbitration proceedings.

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Related

United States v. Burke
504 U.S. 229 (Supreme Court, 1992)
Kokkonen v. Guardian Life Insurance Co. of America
511 U.S. 375 (Supreme Court, 1994)
Commissioner v. Schleier
515 U.S. 323 (Supreme Court, 1995)
Erickson v. Pardus
551 U.S. 89 (Supreme Court, 2007)
John Entler v. Christine Gregoire
872 F.3d 1031 (Ninth Circuit, 2017)

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Bluebook (online)
Carrea Christopher v. Santander Consumer USA Inc., Counsel Stack Legal Research, https://law.counselstack.com/opinion/carrea-christopher-v-santander-consumer-usa-inc-casd-2025.