Gulf Coast Bank & Trust Company d/b/a Lookout Capital v. HHM Intl, Inc. et al.

District Court, E.D. Tennessee·Decided August 10, 2026·No. 3:25-cv-00045·Unknown

Opinion

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF TENNESSEE

GULF COAST BANK & TRUST ) COMPANY d/b/a LOOKOUT CAPITAL, ) ) Plaintiff, ) ) v. ) No.: 3:25-CV-45-TAV-DCP ) HHM INTL, INC. et al., ) ) Defendants. )

MEMORANDUM OPINION AND ORDER

This civil action is before the Court on plaintiff’s Motions for Default Judgment, submitted pursuant to Rule 55(b)(2) of the Federal Rules of Civil Procedure, as to defendants HHM Intl, Inc. (“HHM”), Mohan Atinder Sharma (“Mohan”), Shriak Mohan Sharma (“Shriak”), and Vibhu Mohan Sharma (“Vibhu”) [Docs. 34, 35, 36, 37]. For the reasons set forth below, plaintiff’s motions [Docs. 34, 35, 36, 37] will be GRANTED in part and DENIED in part. I. Background The Court takes as true the factual allegations in the complaint. Bogard v. Nat’l Credit Consultants, No. 1:12-CV-2509, 2013 WL 2209154, at *3 (N.D. Ohio May 20, 2013). A. Plaintiff’s Business Plaintiff is in the business of factoring, which involves the purchase of accounts receivable (“Accounts”) from businesses [Doc. 1 ¶ 12]. The Accounts are typically represented by invoices [Id.]. The entity purchasing the Accounts is known as the “Factor,” and the entity from whom the Factor purchases the Accounts is known as the “Factoring Client” [Id.]. Customers of the Factoring Client, who owe payment on the Accounts, are known as an “Account Debtors” [Id.].

Plaintiff is a Factor, and in being such, it advances funds to its Factoring Clients by purchasing the Factoring Client’s Accounts [Id. ¶ 13]. Plaintiff also takes a security interest in the Factoring Client’s assets, which can include all of its unpaid Accounts, to secure repayment [Id.]. When an Account has been purchased by plaintiff, the Factoring Client does not retain any legal or equitable interests in the Account; rather, these interests,

including the right to receive payment from the Account Debtor, vest with plaintiff [Id. ¶ 15]. To assist in collecting on Accounts, plaintiff provides notice to all of the Account Debtors, informing them that the Accounts have been assigned to plaintiff for payment and that all obligations owed to the Factoring Client are to be paid to plaintiff, i.e., the Factor [Id. ¶ 14].

B. The Parties’ Agreement On or about January 19, 2022, plaintiff’s predecessor in interest1 and defendant HHM entered into a Factoring and Security Agreement (“Factoring Agreement”), wherein defendant HHM was the Factoring Client [Id. ¶¶ 17–18]. This Factoring Agreement set out the terms and conditions governing plaintiff’s advancement of funds to defendant HHM

for the purchase of its Accounts [Id. ¶ 18]. As an inducement for plaintiff to enter into the

1 Hereinafter, plaintiff’s predecessor in interest and plaintiff will be collectively referred to as “plaintiff” [See Doc. 1 ¶ 18]. 2 Factoring Agreement, defendant HHM granted a security interest in certain property as collateral for the repayment of the obligations and liabilities of defendant HHM to plaintiff [Id. ¶ 19; see Doc. 1-1, pp. 2–3, 9].

In the Factoring Agreement, defendant HHM makes several representations and warranties, including: The Accounts are and will remain bona fide existing obligations created by the sale and delivery of goods or the rendition of services in the ordinary course of Seller’s business; [and] . . .

The Accounts are unconditionally owed, and the Purchased Accounts will be paid to Purchaser without defenses, disputes, offsets, counterclaims, or rights of return or cancellation[.]

[Doc. 1-1, p. 13; Doc. 1 ¶ 20].2 The Factoring Agreement also contains a “Repurchase of Accounts” provision, providing that plaintiff may require that defendant HHM repurchase any unpaid and previously factored invoices from plaintiff [Doc. 1 ¶ 21; see Doc. 1-1, pp. 8–9]. Under such provision, plaintiff has full recourse against defendant HHM when, among other things, an account was disputed by the Account Debtor, when HHM breached a representation or warranty, or when an Account was not paid by the Account Debtor [Doc. 1 ¶ 21; Doc. 1-1, pp. 8–9]. On the same date as the Factoring Agreement’s execution, and as further consideration for plaintiff entering into such agreement, defendants Mohan, Shriak, and Vibhu executed Continuing Guaranties (“Guaranties”) “unconditionally and personally

2 As set forth in the Factoring Agreement, “Seller” refers to defendant HHM and “Purchaser” refers to plaintiff [See Doc. 1-1, p. 2]. 3 guaranteeing the prompt full performance, payment, and discharge of all of [defendant] HHM’s present and future liabilities, obligation[s], and indebtedness to [p]laintiff, including . . . the Factoring Agreement” [Doc. 1 ¶ 22; see Doc. 1-2]. In addition to these

Guaranties, defendants Mohan, Shriak, and Vibhu executed Account Validity Certifications (“Certifications”) [Doc. 1 ¶ 23; see Doc. 1-3]. In these Certifications, defendants Mohan, Shriak, and Vibhu make several representations and warranties, including: All HHM’s accounts which have been or will be reported, offered, or sold under the Factoring Agreement, are and will remain genuine and in all respects what they purport to be, represent bona fide obligations of HHM’s customers arising out of the sale and/or delivery of merchandise by HHM or out of the rendition of services by HHM, or both; and

Each copy of an invoice delivered to or shown to Purchaser in the course of transactions contemplated by the Factoring Agreement is and shall be a true and genuine copy of the original invoice sent to the Account Debtor and accurately reflects all terms of the transaction from which such Account arose.

[Doc. 1 ¶ 23(a)–(b); see Doc. 1-3, pp. 2, 5, 8]. C. Defendants’ Failure to Comply with Factoring Agreement Under the terms of the Factoring Agreement, defendant HHM requested that plaintiff purchase numerous invoices reflecting amounts due from various Account Debtors for services that defendant HHM represented that it had supplied to such Account Debtors during the term of the Factoring Agreement [Doc. 1 ¶ 24]. Plaintiff purchased these invoices (“Subject Accounts”) as requested [Id.]. The Subject Accounts, however, have not been paid because they have been disputed by the relevant Account Debtors as 4 not being valid [Id.]. Specifically, the invoices upon which the Subject Accounts are based are for goods and services either never provided by defendant HHM or are duplicative of previously paid invoices [Id.]. As a result of defendants’ failure to comply with the terms

of the Factoring Agreement, they are in default [Id. ¶ 25; see Doc. 1-1, pp. 14–15]. Plaintiff has made demand for payment on the Subject Accounts, but defendants have failed to and refuse to remit payment [Doc. 1 ¶¶ 26–27]. The principal amount due from defendants for the Subject Accounts, as of January 31, 2025, is $5,825,739.64, plus other damages to which plaintiff is entitled under the Factoring Agreement, including

attorney’s fees, court costs, and litigation costs [Id. ¶ 29; see Doc. 1-1, pp. 15, 17]. D. The Instant Action On January 31, 2025, plaintiff filed its complaint against defendants asserting breach of contract, unjust enrichment, fraud, and civil conspiracy [Doc. 1 ¶¶ 30–61]. Plaintiff seeks compensatory damages no less than the principal amount totaling

$5,825,739.64 and all damages to which it is entitled to under the Factoring Agreement [Id. at 13]. On February 21, 2025, plaintiff filed summonses returned executed as to defendants Shriak, Mohan, and HHM [Docs. 11, 12, 13 (reflecting a date of service of February 16, 2025)], and on March 19, 2025, plaintiff filed a summons returned executed as to defendant Vibhu [Doc. 14 (reflecting a date of service of February 10, 2025); see

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

Gulf Coast Bank & Trust Company d/b/a Lookout Capital v. HHM Intl, Inc. et al., (E.D. Tenn. 2026).

Gulf Coast Bank & Trust Company d/b/a Lookout Capital v. HHM Intl, Inc. et al. (Gulf Coast Bank & Trust Company d/b/a Lookout Capital v. HHM Intl, Inc. et al.) — published by Counsel Stack Legal Research, free access to 12M+ legal documents.

Related

Erie Railroad v. Tompkins
304 U.S. 64 (Supreme Court, 1938)
Farrar v. Hobby
506 U.S. 103 (Supreme Court, 1992)
Ashcroft v. Iqbal
556 U.S. 662 (Supreme Court, 2009)
Harrison v. Bailey
107 F.3d 870 (Sixth Circuit, 1997)
Baugh v. Novak
340 S.W.3d 372 (Tennessee Supreme Court, 2011)
Freeman Industries, LLC v. Eastman Chemical Co.
172 S.W.3d 512 (Tennessee Supreme Court, 2005)
Angus v. City of Jackson
968 S.W.2d 804 (Court of Appeals of Tennessee, 1997)
Imwalle v. Reliance Medical Products, Inc.
515 F.3d 531 (Sixth Circuit, 2008)
United States Ex Rel. Snapp, Inc. v. Ford Motor Co.
532 F.3d 496 (Sixth Circuit, 2008)
United States v. Community Health Systems, Inc.
501 F.3d 493 (Sixth Circuit, 2007)
Trau-Med of America, Inc. v. Allstate Insurance Co.
71 S.W.3d 691 (Tennessee Supreme Court, 2002)
Watson's Carpet & Floor Coverings, Inc. v. McCormick
247 S.W.3d 169 (Court of Appeals of Tennessee, 2007)
Lane v. Becker
334 S.W.3d 756 (Court of Appeals of Tennessee, 2010)
BVT Lebanon Shopping Center, Ltd. v. Wal-Mart Stores, Inc.
48 S.W.3d 132 (Tennessee Supreme Court, 2001)
Lamons v. Chamberlain
909 S.W.2d 795 (Court of Appeals of Tennessee, 1993)
Isabel v. City of Memphis
404 F.3d 404 (Sixth Circuit, 2005)
United States v. Goforth
465 F.3d 730 (Sixth Circuit, 2006)