Columbia Debt Recovery, V. Jordan Pierce

CourtCourt of Appeals of Washington
DecidedSeptember 2, 2025
Docket86812-8
StatusUnpublished

This text of Columbia Debt Recovery, V. Jordan Pierce (Columbia Debt Recovery, V. Jordan Pierce) is published on Counsel Stack Legal Research, covering Court of Appeals of Washington primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Columbia Debt Recovery, V. Jordan Pierce, (Wash. Ct. App. 2025).

Opinion

IN THE COURT OF APPEALS OF THE STATE OF WASHINGTON

COLUMBIA DEBT RECOVERY, LLC, a Washington limited liability company, No. 86812-8-I

Appellant, DIVISION ONE

UNPUBLISHED OPINION v.

JORDAN PIERCE, DONTE GARDINER, GUSTAVO CORTEZ, TOWANA PELTIER, and DARIUS MOSELY,

Respondents.

COBURN, J. — Columbia Debt Recovery, LLC (CDR) appeals the trial court’s

award of reasonable attorney fees to Jordan Pierce and Donte Gardiner following a

settlement agreement. We affirm the trial court’s order granting attorney fees but

reverse and remand for entry of findings and conclusions explaining the calculation of

the fee award.

FACTS

CDR is a licensed collection agency. In September 2019 CDR filed suit against

Pierce and Gardiner in King County District Court to recover rent and fees allegedly

owed under a residential lease 1 totaling $15,527.32.

1 Pierce and Gardiner had previously vacated their former shared apartment at “The Eden” apartments in January 2019. The Eden was owned by Belkorp Holdings, Inc. 86812-8/2

In February 2020 the trial court entered a default judgment against Pierce and

Gardiner based on their failure to respond. A judgment was entered in favor of CDR for

$17,770.33. The amount consisted of the principal judgment, prejudgment interest, and

additional fees. Pierce and Gardiner paid an attorney $100 to investigate the basis for

the judgment. The attorney brought a successful motion to vacate the default judgment.

In November Pierce and Gardiner filed their answer and counterclaims in King

County District Court. The case was subsequently transferred to King County Superior

Court. Pierce and Gardiner denied that they owed the $15,527.32 unpaid balance when

they moved out of their former apartment. Additionally, Pierce and Gardiner alleged that

CDR was illegally charging prejudgment interest. Among other counterclaims, Pierce

and Gardiner brought a case against CDR on behalf of themselves and a prejudgment

interest class for:

All persons who lost money or property within four years prior to the filing of this pleading as a result of [CDR’s] assessing interest on an alleged debt arising from a residential tenancy in the State of Washington, where [CDR] added to the tenant account interest charged from the date the tenant moved out.

Pierce and Gardiner alleged that CDR added unlawful interest charges in violation of

multiple provisions of Washington’s Collection Agency Act, chapter 19.16 RCW, which

constituted per se violations of Washington’s Consumer Protection Act, chapter 19.86

RCW, as an unfair or deceptive practice that occurs in trade or commerce. RCW

19.86.020.

Pierce and Gardiner amended their counterclaims five times between February

2021 and May 2023. Throughout the amended counterclaims, Pierce and Gardiner

(Belkorp) and managed by Thrive Communities, Inc. (Thrive). Thrive assigned its claim against Pierce and Gardiner to CDR. 2 86812-8/3

maintained their original counterclaim against CDR as proposed representatives of the

prejudgment interest class. 2

In October 2021 Pierce and Gardiner moved for class certification of the

prejudgment interest class, which CDR opposed. In March 2022 the trial court denied

class certification of the prejudgment interest class. The trial court concluded that Pierce

and Gardiner did not establish common issues among the class members because a

determination of whether prejudgment interest was properly charged to a proposed

class member would require an individual fact-finding process and “individualized proof

that they suffered some injury to their business or property.” Pierce and Gardiner sought

discretionary review, which was denied by this court’s commissioner in October 2022.

On remand, in early 2023, Pierce and Gardiner filed their third and fourth 3

amended counterclaims, wherein they adjusted the definition of the prejudgment

interest class to:

All former tenants whose accounts Thrive placed with CDR for collection and who lost money or property on or after November 6, 2016 as a result of CDR’s assessing interest on an alleged debt calculated from the date the tenant moved out, where the alleged debt includes amounts allegedly due for cleaning or repairs to the unit.

CDR subsequently moved for the trial court to deny class certification of Pierce and

Gardiner’s counterclaims against CDR and strike class allegations. CDR argued in part

that because Pierce and Gardiner did not make prejudgment interest payments to

2 The amendments varied as to the subject of their changes, including, for example, changing the name of “The Eden” to Belkorp and joining additional tenants who asserted claims against Thrive. As we note elsewhere, Pierce and Gardiner also amended their counterclaims to narrow the definition of the proposed prejudgment interest class. 3 Pierce and Gardiner’s fourth amended counterclaims corrected a date error. 3 86812-8/4

CDR, 4 their alleged injury of paying an attorney $100 to vacate the default judgment

against them “is atypical of the class members they propose to represent.”

In May Pierce and Gardiner filed fifth amended counterclaims, wherein they

joined Gustavo Cortez, Darius Mosely, and Towana Peltier (third-party plaintiffs) as

additional proposed representatives of the prejudgment interest class. 5 Each of these

third-party plaintiffs had made prejudgment interest payments to CDR. The trial court

denied CDR’s motion to deny class certification and strike class allegations the following

month.

In September CDR entered into a settlement agreement and release of claims

with Pierce and Gardiner and the third-party plaintiffs. The settlement reads:

This Settlement Agreement and Release of Claims (“Settlement” or “Agreement”) is entered into as of the last date of any signature below by and among:

(a) Columbia Debt Recovery, LLC,

(b) Gustavo Cortez, Towana Peltier and Darius Mosely, individually and as representatives of the CDR Class, as defined below; and

(c) Jordan Pierce and Donte Gardiner, individually.

NOW, THEREFORE, in consideration of the covenants and agreements set forth in this Agreement, Class Representatives, the CDR Class, CDR, Pierce and Gardiner, as defined herein, for themselves and through their undersigned counsel, agree to the following settlement, subject to Court approval, under the following terms and conditions.

The agreement defines individual “Counterclaim Plaintiffs” as Pierce and Gardiner and

defines “Class Representatives” of the CDR class as third-party plaintiffs Cortez, Peltier,

4 Though allegedly charged prejudgment interest, it is undisputed that Pierce and Gardiner did not pay prejudgment interest to CDR. 5 The fifth amended counterclaims further narrowed the proposed prejudgment interest class to charged or paid prejudgment interest specifically arising out of Washington state tenancies. 4 86812-8/5

and Mosely. “Parties” is defined as “the Class Representatives, CDR, and Counterclaim

Plaintiffs.”

The agreement’s terms were determined “by mutual agreement after extensive

negotiation, with consideration by and participation of counsel for all Parties.” The

agreement absolved all claims between CDR and Pierce and Gardiner:

6.03 Mutual Individual Releases by CDR and Counterclaim Plaintiffs.

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Columbia Debt Recovery, V. Jordan Pierce, Counsel Stack Legal Research, https://law.counselstack.com/opinion/columbia-debt-recovery-v-jordan-pierce-washctapp-2025.