Prodigy Finance CM2021-1 DAC v. David Dacosta Aboagye

CourtDistrict Court, D. New Jersey
DecidedMay 27, 2026
Docket3:25-cv-16283
StatusUnknown

This text of Prodigy Finance CM2021-1 DAC v. David Dacosta Aboagye (Prodigy Finance CM2021-1 DAC v. David Dacosta Aboagye) 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
Prodigy Finance CM2021-1 DAC v. David Dacosta Aboagye, (D.N.J. 2026).

Opinion

UNITED STATES DISTRICT COURT DISTRICT OF NEW JERSEY

Civ. No. 25-16283 (RK)(JBD) PRODIGY FINANCE CM2021-1 DAC, OPINION Petitioner,

v.

DAVID DACOSTA ABOAGYE,

Respondent.

Petitioner Prodigy Finance CM2021-1 DAC (“Prodigy”) has filed this action to confirm an arbitration award obtained against respondent David Dacosta Aboagye. Presently before the Court is Prodigy’s motion for electronic service pursuant to Federal Rule of Civil Procedure 4(e). [Dkt. 5.] The Court has considered the papers submitted in support of the motion, id., and the supplemental affidavit of diligent effort and inquiry, [Dkt. 9]. For the reasons set forth below, the Court will grant the motion. I. BACKGROUND In July 2019, Aboagye entered into a loan agreement with Prodigy’s predecessor in interest, Prodigy Finance Limited. [Dkt. 1] at 2-3. When Aboagye entered into the loan agreement, he provided an address in Ghana and an email address. [Dkt. 5] at 1. After a series of assignments, in July 2021, Prodigy received all of the legal and beneficial rights under the loan agreement. [Dkt. 1] at 3-4. In 2020, Aboagye began to fail to make loan repayments. Id. at 7. When Prodigy contacted him by email about his missed payments, Aboagye replied using his previously provided email address. [Dkt. 1-9.] As Aboagye continued to fail to make loan payments, Prodigy variously contacted and communicated with him via mail, email, and telephone. Id.; [Dkt. 1] at 7-8. During this time, Aboagye

continued to respond by email and even notified Prodigy in October 2021 that his physical address was no longer in Ghana and that he then resided in Somerset, New Jersey. Id.; [Dkt. 5] at 1-2. Yet the next month, in November 2021, Aboagye communicated to Prodigy by email that the impact of the late payments on his credit score may affect his ability to rent an apartment for the winter of 2022. Id. In May 2022, Prodigy sent a termination notice to Aboagye, informing him

that it had terminated the loan agreement and the outstanding balance was due immediately. [Dkt. 1] at 9. In July 2023, after the termination, Aboagye communicated that he was financially constrained, that his United States employment authorization had expired, and that he was considering relocating to Canada. [Dkt. 1-9] at 111. He also stated that he was working to regain his United States employment status. Id. Prodigy followed up with him in August 2023 and asked if he had relocated to Canada; Aboagye responded that he had no updates.

Id. The last payment that Prodigy received from Aboagye was nominal and sent in December 2023. [Dkt. 1] at 9. In February 2024, Prodigy again reached out to Aboagye for an update not only on his loan payments, but also his employment status. [Dkt. 1-9] at 132. Aboagye responded to Prodigy’s emails in March 2024 with a simple “sure thanks” regarding setting up a call, but provided no substantive information over email. Id. at 134. In April 2024, Aboagye answered one of Prodigy’s attempts to contact him by telephone, prompting Prodigy to email him to confirm whether he had secured employment or a green card. Id. at 137. In May 2024, Aboagye emailed that he was

“not out of the woods yet” and could not commit to loan payments. Id. at 138. The last communication Prodigy received from Aboagye was an email sent in September 2024. [Dkt. 1] at 7; [Dkt. 1-9] at 153. That email did not communicate any information about his current or future location. A year later, in May 2025, after Aboagye failed to pay the balance or to discuss alternative resolution methods, Prodigy notified Aboagye of its intent to

pursue arbitration and invoked the arbitration clause in the loan agreement. [Dkt. 1] at 7. Aboagye did not participate in the arbitration. [Dkt. 1-2] at 1-2 (noting that Aboagye did not submit a required “statement of defense” in the arbitration, despite receiving an extension). The appointed arbitrator concluded that Prodigy sought to notify Aboagye of the default, that it was entitled to terminate the loan, and that it did so validly; accordingly, the arbitrator awarded Prodigy $85,357.24, plus interest, fees, and costs. [Dkt. 1] at 9-10; [Dkt. 1-2] at 4

(outlining the total final award). Aboagye did not make any payments to satisfy the arbitration award, prompting Prodigy to file this action to confirm the award. [Dkt. 1] at 10-11. According to its motion papers, after filing the petition but before attempting to serve Aboagye, Prodigy conducted a comprehensive background search in an effort to locate a residential address or addresses to serve Aboagye personally. [Dkt. 9] at 1-2. When the background search confirmed that the most recent residential address was the same Somerset, New Jersey address that Aboagye had previously provided in October 2021, Prodigy attempted to serve him at that

address in October 2025. Id.; [Dkt. 5] at 2-3. The process server, however, discovered that the residence was vacant. Id.; [Dkt. 9-1]. The process server confirmed with the building manager that Aboagye no longer resided there and did not leave another address on file or a forwarding address. Id.; [Dkt. 9-1] (affidavit of nonservice that includes photos of the vacant unit). Upon a first review of the present motion, the Court directed Prodigy to file

an affidavit of diligent effort and inquiry, providing more details regarding the comprehensive background check that it conducted and the steps that it took to attempt to serve Aboagye by traditional means. [Dkt. 8.] Prodigy has done so. [Dkt. 9.] In its affidavit, Prodigy clarified that its comprehensive background check collected extensive publicly available information using personal information previously provided by Aboagye to verify his residential address. Id. at 1-2. The search entailed a thorough review of criminal records, employer records,

driver’s license information, professional licenses and affiliations, business affiliations, property records, judgments and liens, voter registrations, and possible relatives, associates, and neighbors. Id. The background check also confirmed that the Somerset, New Jersey address was Aboagye’s most recent residential address. The affidavit of diligent effort and inquiry further detailed Prodigy’s recent unsuccessful attempts to reach Aboagye by telephone and email. Id. at 2-3. Prodigy called two telephone numbers that Aboagye previously used and left voicemails when possible. Id. at 3. Aboagye did not answer or return any calls. Id. Prodigy also attempted to reach Aboagye by sending an email requesting his current

residential address for purposes of this suit to the email address Aboagye routinely used to contact Prodigy regarding loan payments. Id. Aboagye did not answer the email, but Prodigy received confirmation the email was delivered. Id. Prodigy made a final, fruitless attempt to contact Aboagye by telephone and left a voicemail. Id. at 4. Again, Aboagye did not answer or return the call. Id. In sum, Prodigy has no knowledge of Aboagye’s current physical location but

has successfully contacted him in the past, numerous times, via email. Prodigy now requests that the Court authorize service on Aboagye via email because it is reasonably calculated to inform him of the pending action. [Dkt. 5] at 1, 3. II. LEGAL STANDARDS Federal Rule of Civil Procedure 4(e) governs service on an individual located within a judicial district of the United States. Fed. R. Civ. P. 4(e). Rule 4(e)(1) permits service on an individual in the United States by “following state law for

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Prodigy Finance CM2021-1 DAC v. David Dacosta Aboagye, Counsel Stack Legal Research, https://law.counselstack.com/opinion/prodigy-finance-cm2021-1-dac-v-david-dacosta-aboagye-njd-2026.