GOVINDA v. SUNTUITY SOLAR LIMITED LIABILITY COMPANY

CourtDistrict Court, D. New Jersey
DecidedMay 1, 2025
Docket3:22-cv-06964
StatusUnknown

This text of GOVINDA v. SUNTUITY SOLAR LIMITED LIABILITY COMPANY (GOVINDA v. SUNTUITY SOLAR LIMITED LIABILITY COMPANY) is published on Counsel Stack Legal Research, covering District Court, D. New Jersey primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
GOVINDA v. SUNTUITY SOLAR LIMITED LIABILITY COMPANY, (D.N.J. 2025).

Opinion

NOT FOR PUBLICATION

UNITED STATES DISTRICT COURT DISTRICT OF NEW JERSEY

NIRMELA GOVINDA,

Plaintiff, Civil Action No. 22-06964 (GC) (JBD) v. MEMORANDUM OPINION SUNTUITY SOLAR LIMITED LIABILITY COMPANY, et al.,

Defendants.

CASTNER, District Judge THIS MATTER comes before the Court upon Plaintiff Nirmela Govinda’s Motion for Default Judgment as to Defendants Suntuity Solar Limited Liability Company (Suntuity) and Corefusion Solar, LLC (Corefusion) (Defendants, collectively) pursuant to Federal Rule of Civil Procedure (Rule) 55. (ECF No. 63.) Defendants have not opposed. The Court has carefully reviewed the parties’ submissions and decides the matter without oral argument pursuant to Rule 78(b) and Local Civil Rule 78.1(b). For the reasons set forth below, and other good cause shown, Plaintiff’s Motion is GRANTED in part with respect to liability and DENIED in part as to the amount of damages. I. BACKGROUND A. Factual Background1 This case arises from allegations that Defendants forged Plaintiff’s signature on a loan contract without her consent. In April 2022, Plaintiff began soliciting bids for the installation of solar panels on her home in Nutley, New Jersey. (ECF No. 1 ¶ 20.) After receiving several proposals, Plaintiff “decided to go forward with Defendants” based on their offer to install solar

panels and a new roof for a total price of $46,375.26 financed at a 1.99% interest rate (April 2022 agreement).2 (Id. ¶¶ 21-22; ECF No. 63-1 at 8.) Plaintiff would be subject to monthly payments in the amount of $122 over the course of twenty-five years and a single lump sum payment of $10,049 to be paid eighteen months after the sale.3 (ECF No. 1 ¶ 22.) Plaintiff states that she agreed to the proposal in writing but, “recognizing that she only signed a[n initial] proposal, followed up with Suntuity several times.” (Id. ¶¶ 23.) Despite never finalizing the contract, Defendants installed the panels on Plaintiff’s roof. (Id. ¶ 25.) In June 2022, Plaintiff received a call from GoodLeap, LLC (GoodLeap), a financing company that partners with solar companies.4 (Id. ¶¶ 13, 26.) During that call, Plaintiff learned

1 When a party is in default, the Court treats the factual allegations of the Complaint, except those related to damages, as true. See Comdyne I, Inc. v. Corbin, 908 F.2d 1142, 1149 (3d Cir. 1990). 2 Page numbers for record cites (i.e., “ECF Nos.”) refer to the page numbers stamped by the Court’s e-filing system and not the internal pagination of the parties. 3 Defendants also stated that after receiving state and federal tax credits aimed at reducing the cost of the solar panel installation, Plaintiff’s “net system cost” would be reduced to $21,149. (ECF No. 1 ¶ 21.) 4 While GoodLeap was a named Defendant in this case, the parties jointly stipulated to GoodLeap’s dismissal on October 3, 2024, after reaching a settlement agreement. (See ECF Nos. 59, 60.) “for the first time” that GoodLeap had financed her solar panel purchase pursuant to a contract that was purportedly signed by Plaintiff. (Id. ¶ 26.) Upon review of the Goodleap contract, which incorrectly named her as “Govinda Nirmela,” Plaintiff observed that her signature and initials were forged. (Id. ¶ 35.) Furthermore, the GoodLeap contract, dated May 7, 2022, set forth different financing terms than the ones Plaintiff agreed to in the April 2022 agreement with Suntuity. (Id. ¶

28.) The GoodLeap contract obligated Plaintiff to pay a total of $79,513.94—$33,138.66 more than Plaintiff agreed to in the April 2022 agreement—based on a 6.49% interest rate.5 The contract also contained an arbitration clause, which Plaintiff states she did not agree to, and a fake email address, (id. ¶¶ 30, 33-34), which Plaintiff contends was an intentional effort to ensure that she “would not receive a copy of the contract on the day it was purportedly signed.”6 (Id. ¶¶ 31-32.) After receiving the forged GoodLeap contract, Plaintiff states that she reached out to Suntuity to again request that they provide a final contract. (Id. ¶ 36.) “[A]fter weeks of asking,” Suntuity sent Plaintiff a contract dated May 9, 2022. (Id.) Plaintiff alleges that this contract also contained a forged signature, and incorrectly listed her name as “Govinda Nirmela.” (Id. ¶¶ 37-39.) And,

Plaintiff contends that while the contract states that the sale and installation of the solar panels were “subject to the Terms and Conditions set forth in the attached sheets[ ],” there were “no sheets [ ] attached.” (Id. ¶ 38.)

5 The GoodLeap contract stated that Plaintiff would repay the loan via $200.40 for the initial 17 payments, followed by monthly payments of $269.89 for the subsequent 281 payments. (Id. ¶ 28.) 6 The email address listed in the contract was seansookdeo23@gmail.com. Plaintiff states that her husband’s email address is very similar, except for the digits 23. (ECF No. 1 ¶ 30.) B. Procedural Background Plaintiff filed this suit against Defendants on December 2, 2022, asserting claims under the federal Truth in Lending Act, 15 U.S.C. § 1638 and the New Jersey Consumer Fraud Act (NJCFA) N.J.S.A. 56:8-1 et seq. as well as for identity theft and forgery, N.J. Stat. Ann. § 2C:21-17.4 and common law fraudulent concealment/nondisclosure. (See ECF No. 1, 8-13.) Suntuity filed an

Answer on February 15, 2023, and also filed a crossclaim for indemnification against Corefusion on July 11, 2023. (ECF Nos. 14, 24.) Corefusion filed an Answer on August 11, 2023. (ECF No. 32.) After Corefusion entered the case, both Defendants attended an August 28, 2023 case management conference and agreed to discovery deadlines. (ECF No. 35.) On January 15, 2024, however, Plaintiff notified the Court of Corefusion’s failure to comply with discovery obligations. (See ECF No. 38.) On February 1, 2024, Corefusion’s counsel filed a Motion to Withdraw based on Corefusion’s refusal to communicate or pay its attorneys. (ECF Nos. 43.) On February 29, 2024, Suntuity’s lawyers followed suit, requesting to withdraw after learning that Suntuity had “suddenly ceased operations” and was therefore unable to fulfill its obligations with respect to the

ongoing litigation. (ECF No. 48.) The Court granted the motions to withdraw, but noted that Defendants, as corporate entities, “may not participate in this matter pro se.” (ECF Nos. 46, 51.) The Court therefore ordered Defendants to have new counsel enter an appearance on their behalf within twenty-one days from the date of the Order. (Id.) Neither Defendant retained substitute counsel. Thus, on March 29, 2024, Plaintiff requested entry of default against Corefusion, which was entered on April 1, 2024. (ECF No. 52.) On November 21, 2024, Plaintiff requested entry of default against Suntuity, which was entered on November 22, 2024. (ECF No. 61.) On December 17, 2024, Plaintiff filed a Motion for Default Judgment against both Defendants with respect to her NJCFA claim only.7 (ECF No. 63.) II. LEGAL STANDARD Under Rule 55(a), a plaintiff may request that the clerk of court enter default as to “a party against whom a judgment for affirmative relief is sought [who] has failed to plead or otherwise

defend, and that failure is shown by affidavit or otherwise.” Fed. R. Civ. P. 55(a). Once a default is entered, the plaintiff may seek entry of a default judgment—either by the clerk or the court itself—under Rule 55(b). A party is not entitled to a default judgment as of right; “the entry of such a judgment is left primarily to the discretion of the district court.” Directv, Inc. v.

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GOVINDA v. SUNTUITY SOLAR LIMITED LIABILITY COMPANY, Counsel Stack Legal Research, https://law.counselstack.com/opinion/govinda-v-suntuity-solar-limited-liability-company-njd-2025.