Henry Ridgeway and Hugo Xavier De Los Santos v. MedFinManager, LLC, MedFinManager, LLC, and Ernest P. Barrett

CourtCourt of Appeals of Texas
DecidedFebruary 19, 2025
Docket04-22-00769-CV
StatusPublished

This text of Henry Ridgeway and Hugo Xavier De Los Santos v. MedFinManager, LLC, MedFinManager, LLC, and Ernest P. Barrett (Henry Ridgeway and Hugo Xavier De Los Santos v. MedFinManager, LLC, MedFinManager, LLC, and Ernest P. Barrett) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Henry Ridgeway and Hugo Xavier De Los Santos v. MedFinManager, LLC, MedFinManager, LLC, and Ernest P. Barrett, (Tex. Ct. App. 2025).

Opinion

Fourth Court of Appeals San Antonio, Texas OPINION

No. 04-22-00769-CV

Henry RIDGEWAY and Hugo Xavier de los Santos, Appellants

v.

MEDFINMANAGER, LLC and Ernest P. Barrett, Appellees

From the 166th Judicial District Court, Bexar County, Texas Trial Court No. 2017-CI-23662 Honorable Laura Salinas, Judge Presiding

Opinion by: Adrian A. Spears II, Justice

Sitting: Irene Rios, Justice Lori I. Valenzuela, Justice Adrian A. Spears II, Justice

Delivered and Filed: February 19, 2025

AFFIRMED AS MODIFIED IN PART; REVERSED AND RENDERED IN PART

After a jury trial, Appellants Henry Ridgeway (“Ridgeway”) and Hugo Xavier de los

Santos (“de los Santos”) were found jointly and severally liable to Appellee MedFinManager, LLC

(“MedFin”). According to the jury’s verdict, Ridgeway breached his contractual obligation to

MedFin and committed fraud against MedFin, while de los Santos transferred assets with actual

intent to hinder, delay, or defraud MedFin in violation of the Texas Uniform Fraudulent Transfer

Act (“TUFTA”). The jury further found that MedFin suffered damages in the amount of 04-22-00769-CV

$215,104.39. On appeal, Ridgeway and de los Santos both argue attorney immunity bars MedFin’s

claims against them as a matter of law. Because we hold de los Santos’s affirmative defense of

attorney immunity barred MedFin’s TUFTA claim against him as a matter of law, we reverse the

trial court’s judgment in part and render a take-nothing judgment on MedFin’s TUFTA claim

against de los Santos. However, because Ridgeway failed to show attorney immunity barred

MedFin’s breach of contract claim against him as a matter of law, we affirm the judgment as to

Ridgeway, modifying the judgment to account for $85,000.00 taken by MedFin from the court’s

registry.

BACKGROUND

The underlying dispute between the parties involved in this appeal arose from a personal

injury lawsuit in which Ridgeway and de los Santos represented Ernest P. Barrett (“Barrett”). On

March 7, 2011, Barrett hired Ridgeway, his friend and attorney, to represent him with regard to a

motor vehicle accident. Over three years later, Barrett also hired de los Santos to represent him.

At trial, Barrett testified that he needed a surgery and was referred to a neurosurgeon by an

orthopedic surgeon. Because the operation he needed was expensive, the neurosurgeon’s assistant

gave him a MedFin application, which she stated would help him finance his surgery. Joel Clapick,

the president of MedFin, explained at trial that “[e]ssentially, MedFin is a company that facilitates

medical care on a lien,” “[w]hich is a fancy way of saying that we assist medical procedures that

are related to personal injury accidents.” When asked to explain MedFin’s “business module,”

Clapick testified that “[a]t its most basic level, MedFin purchases accounts receivable that are all

medical related.” MedFin “do[es] so at a discount” and “collect[s] the billed amount of the medical

bill.” Clapick explained that “essentially, MedFin is making the spread, if you will, between what

[it has] been able to purchase and what [it] collect[s].”

-2- 04-22-00769-CV

Barrett testified he took the MedFin documents to Ridgeway’s office and dropped them off

with the receptionist. According to Barrett, Ridgeway never explained the documents to him, and

Barrett just received a phone call from Ridgeway’s office to return and sign the documents.

Ridgeway testified that he had never heard of MedFin before Barrett brought the documents to his

office and stated that he wanted to apply for funds to pay for his surgery. In contrast to Barrett’s

testimony, Ridgeway testified that he had methodically explained every Medfin document to

Barrett before Barrett signed them.

On June 10, 2013, Ridgeway sent a case assessment form to MedFin on behalf of Barrett.

MedFin responded to Ridgeway by sending him, via facsimile, various documents dated August

28, 2013: two separate letters, an affidavit, a memorandum, and several contracts regarding

Barrett’s medical providers. In the first letter addressed to Ridgeway, MedFin informed Ridgeway

that it had completed its preliminary review of his client’s case on behalf of the medical providers

who had been asked to render their services “on a lien-basis.” The letter explained that in order to

complete its review, MedFin needed Barrett to fill out the accompanying “Client Affidavit.” The

Client Affidavit reflects that Barrett answered questions related to the accident. Barrett signed the

affidavit on August 30, 2013, and it was notarized on that same date.

MedFin also sent a “Memorandum of Understanding” addressed to Ridgeway. The

memorandum stated that MedFin was working with Barrett’s neurosurgeon and that the surgery

was estimated between $230,000.00 and $250,000.00. The memorandum stated that Barrett’s

neurosurgeon had been asked to render his services “on a lien-basis,” which would require the

neurosurgeon to assume the risk of nonpayment. The memorandum then explained MedFin’s

involvement with Barrett’s medical care:

Since its inception more than ten years ago, MedFin[] has grown into a national enterprise that has successfully participated with medical providers in thousands of

-3- 04-22-00769-CV

major cases, allowing their patients to secure needed and valuable treatment for significant accident-related injuries. Unlike other companies, MedFin[] has a strong financial foundation, streamlined operations, a dedication to open communication, and a commitment towards fair and reasonable medical billing. You will also be pleased to know that MedFin[] does not charge interest or assess any additional fees for its service.

As the premier national company in our industry and the leader in ethical business practices, we are dedicated to monitoring billed charges for consistency, accuracy and fairness as one part of our due diligence. To that end, and for your client’s protection, MedFin[] urges you to always obtain a written estimate directly from the medical provider(s), prior to the performance of the medical procedure. This enables any concerns to be identified prior to the treatment and serves to eliminate any surprises or objections that you or your client may have when the provider’s final bill is received.

Due to the significant financial commitment that MedFin[] makes to medical providers, a comprehensive analysis of each case is conducted, to include: • assessment of liability issues • confirmation of policy limits • review of pre-existing medical conditions (if applicable) • evaluation of the venue’s impact on the value of the case • determination that the medical experts can provide a trustworthy opinion pertaining to the causal link between injuries and the accident[.]

MedFin[]’s due diligence generally includes discussion and assessment regarding: • your client’s background (a background check may be necessary) • your client’s ability to be an honest and effective plaintiff • your client’s understanding of [his] legal obligation to pay the cost of the medical care in full • your (and your client’s) estimation of the value of the case[.]

MedFin[] only purchases lien-based accounts receivable in cases that have undergone this collaborative review, which serves to avoid any last minute surprises that might jeopardize the successful outcome of a case.

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Henry Ridgeway and Hugo Xavier De Los Santos v. MedFinManager, LLC, MedFinManager, LLC, and Ernest P. Barrett, Counsel Stack Legal Research, https://law.counselstack.com/opinion/henry-ridgeway-and-hugo-xavier-de-los-santos-v-medfinmanager-llc-texapp-2025.