Frederick William Cords, Jr. v. Gary Miniard

CourtDistrict Court, E.D. Michigan
DecidedMay 8, 2026
Docket2:24-cv-10992
StatusUnknown

This text of Frederick William Cords, Jr. v. Gary Miniard (Frederick William Cords, Jr. v. Gary Miniard) is published on Counsel Stack Legal Research, covering District Court, E.D. Michigan primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Frederick William Cords, Jr. v. Gary Miniard, (E.D. Mich. 2026).

Opinion

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MICHIGAN SOUTHERN DIVISION

FREDERICK WILLIAM CORDS, JR.,

Petitioner, Case No. 2:24-cv-10992

v. Hon. Brandy R. McMillion United States District Court Judge GARY MINIARD,

Respondent. __________________________________/

OPINION AND ORDER DENYING PETITION FOR WRIT OF HABEAS CORPUS, DECLINING TO ISSUE A CERTIFICATE OF APPEALABILITY, AND GRANTING PETITIONER LEAVE TO APPEAL IN FORMA PAUPERIS (ECF NO. 1)

Petitioner Frederick William Cords, Jr., (“Cords”), formally incarcerated at Central Michigan Correction Facility in St. Louis, Michigan, filed a pro se petition for writ of habeas corpus pursuant to 28 U.S.C. § 2254. See ECF No. 1.1 Cords was convicted of illegally obtaining $50,000 or more, but less than $100,000, from a vulnerable adult, and being a fourth felony habitual offender, following a jury trial in the Charlevoix County Circuit Court. ECF No. 11-12, PageID.1399-1402; MICH. COMP. LAWS § 750.174a(6)(a); MICH. COMP. LAWS § 769.12. He now challenges

1 Since the date of filing Cords has been moved to the Richard A. Handlon Correction Facility in Ionia, MI. See ECF No. 13. his jury conviction on various federal constitutional grounds. For the following reasons, the petition for writ of habeas corpus (ECF No. 1) is DENIED.

I. The material facts from Petitioner’s conviction are gleaned from the Michigan Court of Appeals’ opinion affirming Petitioner’s conviction on his appeal of right,

see People v. Cords, No. 335865, 2018 WL 2323838, at *1-2 (Mich. Ct. App. May 22, 2018), which is presumed correct on habeas review pursuant to 28 U.S.C. § 2254(e)(1). See Shimel v. Warren, 838 F.3d 685, 688 (6th Cir. 2016). Petitioner met Merlin Dwaine Roberts (“Mr. Roberts”) in 2012. Mr. Roberts was in his eighties

at the time when the two of them became friends. Cords, 2018 WL 2323838, at *1. Then Petitioner started asking Mr. Roberts for money. Id. Petitioner told Mr. Roberts that he needed the money for various reasons, including maintaining his

electricity, heat, and cellular telephone. Id. From 2012 to 2014, Roberts gave or loaned Petitioner substantial sums of money using several methods of transfer. Id. Petitioner told Mr. Roberts that he would pay him back, but for the most part failed to do so. Id. During the time Mr.

Roberts was giving money to Petitioner, 25 balance inquiries were made on his account. Mr. Roberts also made out several checks directly to Petitioner, totaling $37,100. See ECF No. 11-9, PageID.1154. Additional checks were written by the

victim to Petitioner’s son in the amount of $12,500. Id. During the period of his relationship with Petitioner, 20 checks were made out to “cash,” totaling $8,360. See ECF No. 11-9, PageID.1156. Four of the checks were for withdrawals in excess of

$1,000. Id. Receipts for funds withdrawn without a check over the course of Roberts’s relationship with Petitioner totaled $8,465. Id. More than once, Petitioner came to Mr. Roberts’s house at 10:00 to 11:00

p.m., and would bang on the door or window to request that the two men go to an ATM. See ECF No. 11-9, PageID.1028. When Mr. Roberts let Petitioner into the house, Petitioner would not leave until Mr. Roberts turned over his debit card, despite any objections. Id. at PageID.1029. Petitioner also persuaded Mr. Roberts

to give him the PIN number. The court found that Petitioner would sometimes go with Mr. Roberts to the ATM, while other times he went alone with the victim’s card and PIN number. See Cords, 2018 WL 2323838, at *1. Furthermore, the court also

identified that accounting for overdraft fees and balance-inquiry fees, ATM withdrawals from 2012 through 2014 amounted to $24,394.50. Id. No ATM withdrawals were made in 2010 or 2011. Id. At some point, Mr. Roberts inherited $82,172.42, but within one month, his

account balance was reduced to $4.65 because of several ATM withdrawals. See ECF No. 11-9, PageID.1142-1143; Cords, 2018 WL 2323838, at *1. Petitioner also asked Mr. Roberts to accompany him to Kalkaska to purchase a truck, identifying

Mr. Roberts as his grandfather when speaking to the dealer. See ECF No. 11-9, PageID.1020; Cords, 2018 WL 2323838, at *1. Mr. Roberts made the $300 down payment and obtained a loan for $17,000 in his own name to help pay for the truck;

Petitioner made only two payments on the loan. Id. at PageID.1021-1022. In July 2014, Mr. Roberts contacted his daughter, Tamara Guilbault, to request financial assistance. It was then that Guilbault learned that there were

several overdrafts on her father’s account. Cords, 2018 WL 2323838, at *2. She was added to her father’s account shortly afterwards. Id. Guilbault did not learn about Petitioner until later, when Roberts called Guilbault again, asking for $75 for Petitioner. Id. Petitioner was advised to direct future requests for money to Ms.

Guilbault, and Mr. Roberts stopped answering Petitioner’s calls. Id. Guilbault arranged for the repossession of the truck that Mr. Roberts helped Petitioner purchase to satisfy the remaining loan balance. Id. The ATM withdrawals stopped

from then on through the entirety of 2016. Cords, 2018 WL 2323838, at *2. A services specialist2 for the Adult Protective Services Division of the Department of Health and Human Services (“DHHS”) was made aware of concerns that Petitioner was financially exploiting Mr. Roberts. When she met the victim, he

appeared to be confused about his financial circumstances. See ECF No. 11-9, PageID.1090. She admitted that the victim appeared to be able to function

2 The Court notes the services specialist will be referred to as “specialist” moving forward within the opinion. independently in other areas, in that he could drive, prepare his own lunches, and go out to eat for breakfast and dinner. Id. Because of his advanced age, the specialist

determined that Mr. Roberts was a “vulnerable adult.” Id. at PageID.1091. The specialist believed that the victim was capable of making gifts and loans of money and notified the police, who began a criminal investigation into Petitioner’s conduct.

See id. at PageID.1096. As a result of his conduct, Petitioner was charged and convicted of illegally obtaining $50,000 or more, but less than $100,000, from a vulnerable adult in violation of Mich. Comp. Law § 750.174a(6)(a). See ECF No. 11-12, PageID.1399-

1400; ECF No. 11-25, PageID.1918; ECF No. 11-26, PageID.1927. Petitioner’s conviction was affirmed on his direct appeal. People v. Cords, 2018 WL 2323838 (Mich. Ct. App. May 22, 2018), lv. den. 503 Mich. 946, 922 N.W.2d 127 (2019).

Petitioner then filed a post-conviction motion for relief from judgment with the trial court. See ECF No. 11-29, PageID.2677. Among the claims raised was a claim that his retained trial counsel was ineffective for advising him to withdraw a guilty plea that he made prior to trial while represented by his initial court-appointed attorney.

Id. at PageID.2678. The trial judge ordered an evidentiary hearing on the ineffective assistance of trial counsel claim but denied the other claims. People v. Cords, No. 15-009612-FH (Charlevoix Cty. Cir. Ct., July 7, 2020); ECF No. 11-30,

PageID.2898-2899. The Michigan appellate courts denied Petitioner leave to appeal this order. People v. Cords, No. 355748 (Mich. Ct. App. Apr. 15, 2021); lv. den. 509 Mich. 855, 969 N.W.2d 60 (2022).

In response to the prosecution’s motion, the judge subsequently vacated the order granting an evidentiary hearing and dismissed Petitioner’s remaining ineffective assistance of counsel claim. People v. Cords, No. 15-009612-FH

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Holland v. United States
348 U.S. 121 (Supreme Court, 1955)
Rogers v. Missouri Pacific Railroad
352 U.S. 500 (Supreme Court, 1957)
In Re WINSHIP
397 U.S. 358 (Supreme Court, 1970)
McMann v. Richardson
397 U.S. 759 (Supreme Court, 1970)
Jackson v. Virginia
443 U.S. 307 (Supreme Court, 1979)
Herrera v. Collins
506 U.S. 390 (Supreme Court, 1993)
Slack v. McDaniel
529 U.S. 473 (Supreme Court, 2000)
Desert Palace, Inc. v. Costa
539 U.S. 90 (Supreme Court, 2003)
Yarborough v. Alvarado
541 U.S. 652 (Supreme Court, 2004)
Williams v. Taylor
529 U.S. 362 (Supreme Court, 2000)
Harrington v. Richter
131 S. Ct. 770 (Supreme Court, 2011)
Tobias Q. Poole v. E. P. Perini
659 F.2d 730 (Sixth Circuit, 1981)
Cavazos v. Smith
132 S. Ct. 2 (Supreme Court, 2011)
Lafler v. Cooper
132 S. Ct. 1376 (Supreme Court, 2012)
Missouri v. Frye
132 S. Ct. 1399 (Supreme Court, 2012)
United States v. Randall Cope and Terry Wayne Cope
312 F.3d 757 (Sixth Circuit, 2003)
Coleman v. Johnson
132 S. Ct. 2060 (Supreme Court, 2012)

Cite This Page — Counsel Stack

Bluebook (online)
Frederick William Cords, Jr. v. Gary Miniard, Counsel Stack Legal Research, https://law.counselstack.com/opinion/frederick-william-cords-jr-v-gary-miniard-mied-2026.