William F. Kaetz v. Educational Credit Management Corporation, et al.

CourtDistrict Court, D. New Jersey
DecidedDecember 29, 2025
Docket2:16-cv-09225
StatusUnknown

This text of William F. Kaetz v. Educational Credit Management Corporation, et al. (William F. Kaetz v. Educational Credit Management Corporation, et al.) 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
William F. Kaetz v. Educational Credit Management Corporation, et al., (D.N.J. 2025).

Opinion

UNITED STATES DISTRICT COURT DISTRICT OF NEW JERSEY

WILLIAM F. KAETZ,

Plaintiff, No. 16cv9225 (EP) (LDW) v. MEMORANDUM ORDER EDUCATIONAL CREDIT MANAGEMENT CORPORATION, et al.,

Defendants.

PADIN, District Judge.

Pro se Plaintiff William F. Kaetz moves: (1) for relief from a judgment entered on September 30, 2019, D.E. 100 (“Order Dismissing SAC”), under Federal Rule of Civil Procedure 601(b)(2), (3), and (6), D.E. 160-1 (“Third Rule 60 Motion” or “Third Rule 60 Mot.”)2; and (2) for summary judgment, D.E. 165 (“Summary Judgment Motion” or “MSJ”) (collectively, “Plaintiff’s Motions”). Defendants Experian Information Solutions, Inc., Equifax Information Services, LLC, Trans Union, LLC, and Educational Credit Management Corp. collectively oppose Plaintiff’s Motions. D.E. 163 (“Opposition to Third Rule 60 Motion” or “Rule 60 Opp.”) & D.E. 167 (“Opposition to Summary Judgment Motion” or “MSJ Opp.”). Defendants also cross-move for an order barring Plaintiff from filing further motions without leave of Court. D.E. 164-1 (“Filing Injunction Motion” or “Filing Injunction Mot.”).3 Plaintiff replies to Defendants’ Opposition to

1 Hereinafter, “Rule 60.”

2 For ease of reference, the Court refers to Plaintiff’s brief in support of his Third Rule 60 Motion. The notice of motion for the same is at D.E. 160 (“Notice of Third Rule 60 Motion”).

3 For ease of reference, the Court refers to Defendants’ brief in support of their Filing Injunction Motion. The notice of motion for the same is at D.E. 164. Third Rule 60 Motion and opposes Defendants’ Filing Injunction Motion. D.E. 166 (“Rule 60 Reply and Filing Injunction Opposition”). Plaintiff also replies to Defendants’ Opposition to Summary Judgment Motion, D.E. 168 (“Summary Judgment Motion Reply” or “MSJ Reply”), and submits a notice of intervening precedent for both of Plaintiff’s Motions, D.E. 169 (“Notice

of Intervening Precedent”). The Court decides Plaintiff’s Motions and Defendants’ Filing Injunction Motion without oral argument. See Fed. R. Civ. P. 78(b); L. Civ. R. 78.1(b). Having considered Plaintiff’s Motions and Defendants’ Filing Injunction Motion, the accompanying submissions, and all relevant items on the docket, the Court DENIES Plaintiff’s Motions and DEFERS ruling on Defendants’ Filing Injunction Motion. I. PROCEDURAL HISTORY Because resolution of Defendants’ Filing Injunction Motion requires discussion of other actions filed by Plaintiff in this District, the Court first summarizes the procedural history of this action (the “Action”), before turning to the relevant procedural history of Plaintiff’s other actions.

A. The Instant Action Plaintiff filed this Action on December 13, 2016, seeking relief from actions taken to collect and report his student loan debt. D.E. 1. In his second amended complaint, D.E. 57 (“SAC”), Plaintiff alleged violations of the Fair Debt Collection Act and the Fair Credit Report Act and “challenged, among other things, the constitutionality of 11 U.S.C. § 523(a)(8), which generally excepts student loan debt from a bankruptcy discharge.” D.E. 159-2 (“Third Circuit Opinion Affirming D.Es. 143 & 145”), cert. denied, 145 S. Ct. 986 (2024), reh’g denied, 145 S. Ct. 1322 (2025). As the Third Circuit helpfully summarized: [Judge Cecchi] granted the defendants’ motions to dismiss the second amended complaint. [Order Dismissing SAC.] [She] rejected Kaetz’s constitutional challenges and ruled that many of his claims failed because their premise – that his student loan debt was discharged in his bankruptcy case – was incorrect. [D.E. 99 (“Opinion Dismissing SAC”).] [Judge Cecchi] explained that student loan debt is presumptively nondischargeable under § 523(a)(8), and that Kaetz had not filed an adversary proceeding to determine whether his debt could be discharged. [Judge Cecchi] also denied Kaetz’s motion for reconsideration. [D.E. 121 (“Order Denying Reconsideration of Order Dismissing SAC”).] [The Third Circuit] affirmed on appeal. See C.A. No. 20-2592. ([D.E.] 132-1 (“Third Circuit Opinion Affirming D.E. 121”))

Kaetz then filed a motion to set aside the District Court’s judgment pursuant to Federal Rule of Civil Procedure 60(d)(3) based on fraud on the court. He asserted that defendants’ counsel committed fraud by relying on dicta in Supreme Court decisions in court filings. He reiterated his claim that § 523(a)(8) is unconstitutional and argued that the statute does not support the District Court’s decision. ([D.E.] 133-2 [(“First Rule 60 Motion”)] ¶¶ 2, 7, 10–11) [Judge McNulty]4 denied relief. [He] found no fraud and noted that Kaetz had repackaged the arguments [the District Court] had previously rejected. ([D.E.] 143 [(“Order Denying First Rule 60 Motion”)]) [Judge McNulty] also denied Kaetz’s motion for reconsideration [D.E. 144 (“Motion for Reconsideration of Denial of First Rule 60 Motion”)], which asserted that the Court and the defendants improperly assumed legislative powers in their interpretation of § 523(a)(8). [D.E. 145 (“Order Denying Reconsideration of Denial of First Rule 60 Motion”).]

Third Circuit Opinion Affirming D.Es. 143 & 145 at 2–3. On October 15, 2023, four days after Judge McNulty issued his Order Denying Reconsideration of Denial of First Rule 60 Motion, Plaintiff filed another Rule 60 motion, as well as a motion for recusal. D.E. 147 (“Second Rule 60 Motion and Recusal Motion”). The next day, Plaintiff then appealed Judge McNulty’s Order Denying First Rule 60 Motion and Judge McNulty’s Order Denying Reconsideration of Denial of First Rule 60 Motion. D.E. 150; Third Circuit Opinion Affirming D.Es. 143 & 145 at 3 n.1 (explaining that while Plaintiff “did not identify the order denying reconsideration in . . . [D.E.]

4 The Action was reassigned from Judge Claire C. Cecchi to Judge Kevin McNulty on October 22, 2020. D.E. 127. 150, he attached both of the District Court’s orders to his brief as the orders on appeal,” and accordingly reviewing both orders). While Plaintiff’s appeal of Judge McNulty’s Order Denying First Rule 60 Motion and Judge McNulty’s Order Denying Reconsideration of Denial of First Rule 60 Motion was pending,

the Action was once again reassigned, this time to the undersigned. D.E. 152. Shortly thereafter, the undersigned denied Plaintiff’s Second Rule 60 Motion and Recusal Motion, holding (1) that the Court did not have jurisdiction to consider the Second Rule 60 Motion due to the pending appeal and (2) that the Recusal Motion was moot given that Judge McNulty was no longer assigned to the Action. D.E. 155. The Third Circuit ultimately, on June 18, 2024, affirmed Judge McNulty’s Order Denying First Rule 60 Motion, as well as Judge McNulty’s Order Denying Reconsideration of Denial of First Rule 60 Motion, holding that Plaintiff’s “disagreement with the District Court’s and [the Third Circuit’s] earlier decisions d[id] not provide a basis for relief under Rule 60(d)(3).” Third Circuit Opinion Affirming D.Es. 143 & 145 at 2–5.

Plaintiff then challenged the Third Circuit’s Opinion Affirming D.Es. 143 & 145 by filing a petition for writ of certiorari, which the Supreme Court denied on December 16, 2024. Kaetz v. Educ. Credit Mgmt. Corp., 145 S. Ct. 986 (2024). The Supreme Court then denied his petition for rehearing on March 3, 2025. 145 S. Ct. 1322 (2025).

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William F. Kaetz v. Educational Credit Management Corporation, et al., Counsel Stack Legal Research, https://law.counselstack.com/opinion/william-f-kaetz-v-educational-credit-management-corporation-et-al-njd-2025.