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My Falling Out With Mediation

November 3, 2016 | Robin Frazer Clark

Friends: I have to confess, I back slid recently and agreed to mediation of a client’s case. I had not agreed to a mediation of my clients’s cases in several years, primarily because of a sense that mediation generally was not successful and perhaps was even counterproductive, pushing the opposing parties even further into their corners as positions became entrenched due to ridiculous positions taken during mediation, all through the implicit stamp of approval of a rather expensive mediator (who, by the way, gets paid regardless of whether he or she is successful in resolving the case). I regret allowing my client to agree to mediate his case. And again, I have made my pact with myself not to make that mistake again. Here is a short list (certainly not exhaustive) of reasons why I have fallen out with mediation of personal injury cases.

Defense counsel get away with childish, immature positions and remarks. I had a case once in which the insurance carrier wanted to try to settle prior to my filing a lawsuit. I gave them a dollar amount to do just that. They refused. They took the “so sue me” attitude. So I accommodated them and sued their insured. After two years of litigation, when the insurance carrier is in the corner because of the egregious facts that I have now exposed during discovery, I make a new demand reflecting the increase in value of the case in the last two years. Defense lawyers and the insurance adjuster say they “are hurt” by the increase and take away their initial offer in bad faith at medication. Did I not tell them that their best opportunity to settle the case was before I filed suit and litigated the case for years, and that in so doing, their case would only get worse?
Defense counsel approach me to mediate, saying “they really want to get the case resolved.” So I agree to mediation. My clients take a day off from their jobs. We are paying a mediator. Insurance adjuster offers at mediation only what was already on the table BEFORE mediation and says that’s it, take it or leave it. That’s one of the most UNprofessional things I can even imagine, yet it happens. A simple phone call to me would have sufficed. Yet they put my client through the stress and expectation that maybe finally, after two years of duking it out, they have come to their senses and want to resolve the case for what is only fair. Nope.

Will Wells Fargo Customers Get Their Day in Court?

September 22, 2016 | Robin Frazer Clark

The news, even for the most jaded of us, was shocking: Wells Fargo employees had created thousands of fraudulent bank accounts in their own customers’ names, without their customers’ permission or knowledge, so that employees could receive bonuses for opening a certain number of new accounts. These unscrupulous employees would take money out of their customer’s legitimate accounts and put them in the newly created fraudulent accounts. If this caused a legitimate account to experience an overdraft, the Wells Fargo customer would be responsible for paying the normal fine for an overdraft. This really happened. And, so far, no one has been indicted and no one is going to prison for it. Kudos to Senator Elizabeth Warren for suggesting that, but I wouldn’t count on it happening. And according to CNN, Wells Fargo may be the tip of the iceberg for banking fraud.

The question that is foremost in my mind now is whether Wells Fargo customers will get their day in court? That’s a big question mark. Why? Because the self-dealing of Wells Fargo includes inserting an arbitration clause in their banking agreements that essentially says if any dispute arises, the customer agrees it will be decided by arbitration. This clause, found in all types of consumer contracts, including credit card agreements and nursing home admissions, is the same as forcing a customer to waive their 7th Amendment Constitutional rights to a jury trial. Yet, a constitutional right cannot be unknowingly waived. Waiver must be knowing and intentional for it to be valid. I am willing to bet that none of the Wells Fargo customers knew they were waiving their right to a jury trial when they became customers of Wells Fargo. I doubt they were told about it, I doubt they read any of the small print legal agreement they had to sign to open an account there and I doubt any of them had any knowing understanding or appreciation for what they were signing. In fact, with “e-signatures” now on documents sent to us by email, it is highly unlikely that anyone reads anything now. But lawyers for Wells Fargo have promptly raised this issue as a possible defense to any lawsuits filed against it for its fraud. They may attempt to use an arbitration clause from when the customer opened a legitimate account to defend against lawsuits brought for the opening of fraudulent accounts. Seems like that, alone, should be against the law. This is particularly insulting when Wells Fargo executives took home millions of dollars in bonuses while defrauding their customers. Huh?

People are fighting back. The Wells Fargo incident simply brings to light the practice of forcing arbitration on consumers in a variety of transactions without the customers knowing anything about it. The American Association of Justice (“AAJ”) is fighting back. Likewise, the Consumer Financial Protection Bureau is working on a rule that would restore your rights in situations where you unwittingly signed an arbitration clause. If you are the victim of banking fraud, you can submit a complaint to the CFPB. “Take Justice Back” is a grassroots campaign of AAJ that seeks to restore accountability and ensure American consumers have access to justice in the commercial transactions. Consumers have to keep fighting the good fight on this issue. That good fight starts with being aware of forced arbitration clauses. Check the fine print in any agreement you enter. You will likely find an arbitration clause in there somewhere. Cross it out, intial that, and THEN sign the agreement. I once did this on surgery consent forms when my daughter was having knee surgery. I thought for sure they were going to call me up to the desk and tell me they couldn’t perform my daughter’s surgery because I had not signed their agreement to arbitrate. But, no, they never called me up to the desk and her surgery went on without a hitch. Take back your power and don’t be bullied by corporations. Don’t sign these arbitration agreements.

A Police Officer Just Took My Cellphone: Can He Do That?

January 5, 2016 | Robin Frazer Clark

A police officer just took my cellphone: Can he do that? The answer is, as it is with all things legal, it depends.

Cell phones seem to be in the news every day now. They have become such a part of the everyday fabric of the lives of the majority of people that we consider them indispensable, as they often contain so much of our personal information and lives. How could we possibly go for a day without them. For example, do you know by heart the telephone number of your spouse or partner or child? If you were arrested and your cellphone taken from you as part of the arrest, would you know by memory the cellphone number of your closest loved one to be able to call that person from the jail to be bailed out? (That is NOT a hypothetical scenario, Friends! It happens). Think also about the hot car death of 22 month old Cooper Harris in Cobb County last year. A search of Dad Justin Ross Harris’s cellphone revealed internet searches for death in a hot car and also revealed Mr. Harris had been texting sexually explicit messages that day to a minor. What appeared to be a tragic honest mistake of forgetting the child was in the car and leaving him in a hot car where he died turned into an arrest for intentional murder of the child, all because of what was found on the dad’s cellphone.

Just last month our very own Eleventh Circuit Court of Appeals ruled that a pair of child pornography defendants abandoned their rights to a phone after they lost it at a store and gave up attempts to retrieve it. United States v. Johnson, No. 14-12143, and United States v. Sparks, No. 14-12075 (11th Cir. Dec. 1, 2015).

Five Things You Should Know About Arbitration Clauses in Contracts

October 8, 2015 | Robin Frazer Clark

To trial lawyers, arbitration is a dirty word. We have fought tooth and nail against any forced arbitration clauses as they take away your Constitutional right to a trial by jury for any dispute. Have you signed an arbitration clause and didn’t even know it? Most likely, yes. I would venture a guess that most American citizens have and you would never know it until a dispute arises. That’s when the wrongdoer throws the arbitration clause in your face and (figuratively) says “you can’t sue me (i.e., you can’t hold me responsible). Here are five things to know about arbitration clauses:

“Mandatory” Arbitration clauses are not mandatory. An arbitration clause is nothing more than a waiver of the right to a jury trial to decide any dispute. But for a waiver to be valid it must be “knowing,” i.e., you must know what you are giving up or “waiving” at the time you give it up. Arbitration clauses, by definition, are not “knowing” because you are required to sign or submit to them pre-dispute or pre-injury, before you even know what harm has or may be done. How can that possibly be a “knowing” waiver? It can’t. Many courts have invalidated so-called “mandatory arbitration” clauses for his very reason. Arbitration clauses often appear, for example, in the admission papers of a nursing home. The admitting family member must sign 20 pages or so to get their loved one admitted into the nursing home and the “mandatory arbitration” clause is hidden somewhere on page14 in fine print that no lay person could possibly read or understand. The family member must sign these documents at what may very well be once of the worst times in his or her life, when the decision to place his or her spouse or partner, who perhaps they have lived with and loved for 40 years, into another living facility to be cared for by other people. The loved one’s health is probably failing. And yet nursing homes are slipping these “mandatory arbitration” provisions under the noses of their customers every day in America, without explaining what it is or what it means, during a life crisis for the consumer. What’s fair about that? Nothing.
“Mandatory” arbitration clauses protect the institution not the consumer. I have had some success in the nursing home scenario described above in getting Georgia judges to invalidate arbitration clauses because they are not a “knowing” waiver of a known right. One such arbitration clause I defeated stated that the arbitration must be conducted in “accordance with the American Health Lawyers Association (AHLA) Alternative Dispute Resolution Service Rules of Procedure for Arbitration….” The American Health Lawyers Association is roughly 13,000 lawyers, which “includes in-house counsel, compliance and privacy officers, finance officers, health care consultants, regulatory professionals, those employed in health care, public health, government, and academia.” This means the AHLA members are lawyers for the nursing homes. They are not lawyers for the patient or family member. Does that seem like a level playing field to you, conducting this forced arbitration according to the rules devised by the nursing home lawyers? Not hardly.