Qui Tam Complaint — No. 1:23-cv-04875 (Dkt. 7, N.D. Ill.)
Summary
Relator Aidan Forsyth filed this qui tam complaint under seal in the Northern District of Illinois on 07/28/23 against KSO Metalfab Inc., a family-owned metal goods maker in Streamwood, Illinois, and its owner Dora Kuzelka. It alleges that the company's two PPP loan applications in 2021 falsely certified that no owner with an equity interest of more than 20 percent was subject to criminal charges. According to the complaint, Dora Kuzelka and family members had been charged in October 2019 with harboring illegal aliens and hiring workers ineligible to work in the United States, and Dora Kuzelka entered into a deferred prosecution agreement in or about May 2022. Lenders extended PPP loans totaling nearly $850,000.00, which were forgiven in or about 2022. The relator seeks treble damages and civil penalties under the False Claims Act.
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Case: 1:23-cv-04875 Document #: 7 Filed: 07/28/23 Page 1 of 18 PageID #:69
REGEIVEDQ
FIL ED (c.
8/2023
7/2 JUL 26'/023 t
. BRUTO N
THOMA.SDG
IS T R IC T COURT UNITED STATES DISTRTC_ ^^r,nf THOMAS G. BRUTON
CLERK, U.S
NORTHERN DTSTRTCT Ol 1,23_c,ra*r?=*K, U.S. DISTRICT COURT
pailmeyer
i lgdgeRebecca
Magisffie Judge GabrielA. Fuentes
UNITED STATES OF AMERICA, Case N
utrect assignmefi
ex rel. [UNDER SEAL],
QUI TAM COMPLAINT
Plaintift
v. FILED UNDER SEAL
UNDER 31 U.S.C. S 3730(bX2)
[UNDER SEAL],
JURY TRIAL DEMANDED
Defendants.
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UNITED STATES DISTRICT COUR1
NORTHERN DISTRICT OF ILLINOIS
UNITED STATES OF AMERICA,
CX rCI. AIDAN FORSYTH. Case No.
Plaintiff-Relator. QUI TAM COMPLAINT
v. FILED UNDER SEAL
PURSUANT TO
KSO METALFAB INC. and 31 u.s.c. s 3730(bx2)
DORA KUZELKA,
JURY TRIAL DEMANDED
l)efendants.
On behalf of the United States of America (the "United States" or the "Government"),
Plaintiff and Relator Aidan Forsyth ("Relator") files this qui tam action against Defendants KSO
Metalfab Inc. ("KSOM") and Dora Kuzelka ("Dora") (together, "Defendants") and alleges as
follows:
INTRODUCTION
l. This is an action to recover treble damages, civil penalties and all other remedies
on behalf of the United States of America in connection with the Defendants' materially false
and fraudulent applications to the Government for loans under the Paycheck Protection Program
("PPP"), in violation of the False Claims Act, 3l U.S.C. $$ 3729 et seq. (the "FCA").
2. Pursuant to the FCA, Relator seeks to recover, on behalf of the United States of
America, damages and civil penalties arising from false or fraudulent claims for payment that
Defendants submitted or caused to be submitted to the Federal Government-funded and/or
subsidized PPP loan program.
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SUMMARY OF ALLEGATIONS
3. Defendant Dora Kuzelka at all relevant times was an owner and principal of
Defendant KSOM.
4. Upon information and beliet Dora at all relevant times had a20%o or greater
equity interest in KSOM.
5. KSOM, a family-owned business based in Streamwood, Illinois, manufactures
metalgoods.
6. In or about October 2019,Dora (along with Keith, Kenneth and Kari Kuzelka,
family members who also had KSOM ownership interests and management responsibilitiesl)
were charged by criminal complaint with one felony count of harboring illegal aliens and one
felony count of engaging in a pattern or practice of hiring illegal aliens who are ineligible to
work in the United States. In or about December 2019, the Kuzelkas and one additional
codefendant were indicted on twelve felony counts, including conspiracy to harbor illegal aliens,
engaging in a pattern and practice of hiring illegal aliens, and ten felony counts corresponding to
specific illegal alien employees.
7 . The criminal case against the Kuzelkas did not fully resolve until2022. Keith
Kuzelka pled guilty in or about May 2021and was sentenced in or about August 2021;Dora
Kuzelka entered into a deferred prosecution agreement in or about May 2022;Kenneth and Kari
Kuzelka pled guilty in or about May 2022 and were sentenced in or about December 2022.
8. In or about March 2021, KSOM submitted a Small Business Administration
("SBA") applications for a PPP loan. In or about April2021, KSOM applied for a second PPP
loan. These loans were issued.
I Keith worked for KSO from in or about 2009 until in or about September 2018, when Dora fired hinr for alleged
misconduct; however, he maintained a less than 20%o ownership interest in the company.
1
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9. In or about 2022,KSOM sought and obtained forgiveness of the PPP loans.
10. Upon information and beliel Dora prepared or caused to be prepared the loan
applications as KSOM's authorized representative.
I l. In the applications, Defendants falsely stated and certified that no owner of
KSOM with an equity interest of more than 20 percent was currently subject to criminalcharges.
They also expressly acknowledged that this was a material question, and that submitting a
materially false application would violate federal law.
12. In reliance on these false statements and certifications, one or more lenders
extended PPP loans to KSOM totaling nearly $850,000.00.
13. In further reliance on Defendants'false statements and certifications. the lender
forgave the PPP loans, the reimbursement for which cost the United States nearly $850,000.00.
14. Relator files this qui lctm lawsuit to enable the Government to recover from
Defendants the SBA-guaranteed and forgiven monies that were provided to Defendants as the
result of their wrongdoing, bank fees and costs paid by the Government, as well as to recover
treble damages and/or penalties.
JURISDICTION. VENUE. AND SPECIAL REOUIREMENTS
15. This Court possesses subject matter jurisdiction over this action pursuant to 28
U.S.C. $ 1331 because it arises underthe laws of the United States, under3l U.S.C. $3729 of
the False Claims Act, and under 28 U.S.C. $ I 345, which provides the United States District
Courts with originaljurisdiction over all civil actions commenced by the United States of
America.
16. In addition, the FCA specifically confers jurisdiction upon the United States
District Courts under 3l U.S.C. $ 3732. This Court has personaljurisdiction over the
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Defendants pursuant to 3l U.S.C. $ 3732(a) because the Defendants transact business in this
District, and because the PPP Loan application was prepared in, executed in, and/or submitted to
the SBA from this District.
17. Venue is proper in this District under 3l U.S.C. $ 3732(a) because certain of the
acts complained of herein occurred in this District.
18. In accordance with 3l U.S.C. $ 3730(bX2), this Complaint has filed been filed in
camera and willremain under seal for a period of at least 60 days and shall not be served on the
Defendants untilthe Court so orders.
I 9. Pursuant to 3 I U.S.C. $ 3730(bX2), the Relator must provide the Government
with a copy of the Complaint and a written disclosure of substantially all material evidence and
material information in his possession contemporaneous with the filing of the Complaint.
Relator has complied with this provision by serving copies of the Complaint and such disclosure
upon Morris Pasqual, Acting United States Attorney for the Northern District of Texas, and upon
the Honorable Merrick B. Garland, Attorney General of the United States.
20. Relator is not aware that the allegations in this Complaint have been publicly
disclosed. Further, to the extent Relator is aware of any public disclosures, this Complaint is not
based on such public disclosures. In any event, this Court has jurisdiction under 3l U.S.C. $
373O(e)(a) because the Relator is an "original source" since he has voluntarily provided his
information to Government before filing this Complaint, and has knowledge which is both direct
and independent of, and materially adds to, any public disclosures to the extent they may exist.
PARTIES
21. Plaintiff-Relator Aidan Forsyth resides at 55 West 8th Street, New York, NY
1001 I .
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22. Defendant KSO Metalfab Inc. is a privately-held company incorporated in the
State of Illinois on or about March 19,1973. Its principal place of business is located at250
Roma Jean Parkway, Streamwood, Illinois 60107. KSOM manufactures metal goods.
23. Defendant Dora Kuzelka is the President and owner of KSOM, and resides at
1009 Pinehurst Court, Elgin, Illinois 60124.
GOVERNING LAWS. REGULATIONS. AND CODES OF CONDUCT
The False Claims Act
24. Originally enacted in 1863, the FCA was substantially amended in 1986 by the
False Claims Amendments Act. The 1986 amendments enhanced the Government's ability to
recover losses sustained as a result of fraud against the United States. Further clarifying
amendments were adopted in May 2009 and March 2010.
25. The FCA imposes liability upon any person who "knowingly presents, or causes
to be presented [to the Governrnent] a false or fiaudulent claim for payment or approval;" or
"knowingly makes, uses or causes to be made or used, a false record or statement material to a
false or fraudulent claim;" or "knowingly makes, uses, or causes to be made or used, a false
record or statement material to an obligation to pay or transmit money or property to the
Government, or knowingly conceals or knowingly and improperly avoids or decreases an
obligation to pay or transmit money or property to the Government." 3 I U.S.C. $ 3729(a)( l)(A),
(B), (G). Any person found to have violated these provisions or conspired to have violated these
provisions is liable for a civil penalty of at least $12,357.00 and up to $25,076.00 for each such
false or fraudulent claim, plus three times the amount of the damages sustained by the
Government. 3l U.S.C. $ 3729(a), 20 CFR Part 356 and 28 CFR Part 85 (see 87 FR 27513,May
9,2022).
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26. The FCA defines the terms "knowing" and "knowingly" to mean that a person (l)
"has actual knowledge of the information;" (2) "acts in deliberate ignorance of the truth or falsity
of the information";or acts "in reckless disregard of the truth or falsity of the information." 3l
U.S.C. $ 3729(bXl)(A). The statute provides that "no proof of specific intent to defraud" is
required. 31 U.S.C. $ 3729(bXlXB).
27. The FCA also broadly defines a "claim" as one that includes "any request or
demand, whether under a contract or otherwise, for money or property and whether or not the
United States has title to the money or property, that - (i) is presented to an officer, employee, or
agent of the United States;or (ii) is made to a contractor, grantee, or other recipient, if the money
or property is to be spent or used on the Government's behalf or to advance a Government
program or interest, and if the United States Government - (i) provides or has provided any
portion of the money or property requested or demanded; or (ii) will reimburse such contractor,
grantee, or other recipient for any portion of the money or property which is requested or
demanded." 3l U.S.C. $ 3729(bX2XA).
28. The FCA empowers private persons having information regarding a false or
fraudulent claim against the Government to bring an action on behalf of the Government and to
share in any recovery. The complaint must be filed under seal without service on any Defendant.
The complaint remains under seal while the Government conducts an investigation of the
allegations in the complaint and determines whether to intervene in the action. 3l U.S.C. $
3730(b).
29. In this action, and under well-established precedent, the false and fraudulent
nature of Defendants' conduct is informed or measured by their violation of, or failure to comply
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with, certain statutes and regulations material to the submission of applications for government-
subsidized and/or issued small business loans.
The CARES Act Authorizes Pavcheck Protection Program Loans and Economic Iniury
Disaster Loans and Grants
30. The Coronavirus Aid, Reliei and Economic Security ("CARES") Act (Pub. L.
I l6- 136) (the "CARES Act" or the "Act") was enacted in March 2020 to provide emergency
financial assistance to individuals and businesses affected by the COVID-19 pandemic. The Act
provided the federal Small Business Administration ("SBA") with funding and authority to
modify existing loan programs and establish a new loan program to assist small businesses
adversely affected by the pandemic.
3l . Section I 102 of the CARES Act authorized the SBA to guarantee up to $349
billion in forgivable 7(a) loans to small businesses for job retention and other expenses. This
program was called the Paycheck Protection Program ("PPP"). In April 2020, Congress
authorized over $300 billion to additionally fund the PPP. In June 2020,the Paycheck Protection
Program Flexibility Act of 2020 (Pub. L. 116-142) was enacted which changed certain
provisions of the PPP, including provisions relating to the maturity of loans, the deferral of loan
payments, and loan forgiveness.
32. Under the PPP, eligible businesses could obtain ore SBA-guaranteed PPP loan.
Businesses were required to spend loan proceeds for employee compensation, rent or mortgage,
and other specified expenses and, depending on their use of the loan proceeds, could qualify for
loan forgiveness, up to the full amount of the loan.
33. The SBA delegated authority to third-party lenders to underwrite and approve the
PPP loans. To obtain a PPP loan, a qualifying business (through its authorized representative)
signed and submitted a PPP loan application (SBA Form 2483) online through the lender's
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application platform. The PPP loan application (SBA Form 2483) required the business (through
its authorized representative) to acknowledge the PPP program rules and make certain
affirmative ceftifications to be eligible to obtain the PPP loan.
34. The borrower's authorized representative must certify, among other things, the
business's average monthly payroll expenses and number of employees. This information is
used to calculate the amount of money the business is eligible to be loaned. The applicant must
also submit documentation showing payroll expenses, among other things.
35. In the PPP loan application, Question 5 required the authorized representative to
certify (in relevant part) that no owner of the applicant was "presently subject to a[] [felony]
indictment, criminal information, arraignment, or other means by which formal criminal charges
are brought in any jurisdiction[.]"
36. The application stated that if Question 5 was answered "Yes," the loan would not
be approved.
37. The application further required the applicant's representative to "certify in good
faith . . . that the information provided in this application and the information provided in all
supporting documents and forms is true and accurate in all material respects" and acknowledge
that "knowingly making a false statement to obtain a guaranteed loan from SBA is punishable
under the law" as a federal felony.
38. PPP loan applications were processed by participating financial institutions,
which served as the lenders. Data from the application, including information about the
borrower, the total amount of the loan, and the listed number of ernployees, were transmitted by
the lender to the SBA in the course of processing the loan. SBA paid processing fees to lenders.
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39. Once a borower submitted its PPP loan application to a Lender, the participating
lender processed the PPP loan application. If a PPP loan application was approved by the
participating lender, the lender submitted the application to SBA for an SBA loan number and
after receiving that number it thereafter funded the PPP loan using its own monies, which were
100oh guaranteed by the SBA.
40. A borrower was required to use PPP loan proceeds only for certain permissible
expenses: payroll costs, interest on mortgages, rent and utilities. The PPP allows the interest and
principal on the PPP loan to be entirely forgiven if the business spends the loan proceeds on
these expenses within a designated period (between eight and 24 weeks from receiving the
proceeds) and uses at least 60%o ofthe proceeds for payroll expenses.
41. Borrowers were eligible to apply for and obtain a "second-draw" PPP loan, bul
only after they (properly) expended the proceeds ofthe first one. "The covered periods for a
First Draw PPP Loan and a Second Draw PPP Loan cannot overlap;the borrower must use all
proceeds of the First Draw PPP Loan for eligible expenses before disbursement of the Second
Draw PPP Loan." 86 Fed. Reg.8283,8288 (Feb. 5,2021).
42. Accordingly, the second-draw application required the borrower's authorized
representative to certiff that "[t]he Applicant received a First Draw Paycheck Protection
Program Loan and, before the Second Draw Paycheck Protection Program Loan is disbursed,
will have used the full loan amount (including any increase) of the First Draw Paycheck
Protection Program Loan only for eligible expenses."
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SPECIFIC FRAUD ALLEGATIONS
From October 2019 until Mav 2022. Dora Kuzelka was Facins Felonv Charses
43. On or about October 11, 2019, Dora Kuzelka, along with Kenneth, Kari and Keith
Kuzelka, were charged in a two-count felony complaint in this District. See Uniled Stales v.
Kuzelka, Case No. I :19-cr-780 (N.D. Ill.) (Doc. 1).
44- The complaint charged one felony count of harboring illegalaliens and one felony
count of engaging in a pattern and practice of hiring illegal aliens who were not authorized to be
employed in the United States. The Kuzelkas were arrested and had initial appearances on or
about October 19,2019. Id. (Docs. l7-30).
45. On or about December I 8,2019, a federal grand jury handed up an indictment
charging the Kuzelkas and one additional codefendant with twelve felony counts, including
conspiracy to harbor illegalaliens, engaging in a pattern and practice of hiring illegalaliens, and
ten felony counts corresponding to specific illegal alien employees. Id. (Doc. 58).
46. The criminal case against the Kuzelkas continued for nearly three years, including
intensive pretrial litigation over discovery and a motion to suppress evidence. See, e.g., id.
(Docs. 154, 169-171). After the Court denied most of defendants' pretrial motions, def-endants
pled guilty or otherwise resolved their cases. On or about May 5,2022, Dora entered into a
deferred prosecution agreement. 1d. (Docs. 181 & 182).
KSOM Applies for and Receives its First PPP Loan. which is Later Foreiven
47. In or about March 202l,Dora prepared or caused to be prepared an SBA
application fora PPP loan on behalf of KSOM to Itasca Bank & Trust Co. ("lBT"), a federally-
insured financial institution based in ltasca. Illinois.
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48. On the SBA Form 2483 which was effective in March 2021, Question 5 required
the authorized representative to certify (in relevant part) that no owner of the applicant was
"presently subject to a[] [felony] indictment, criminal information, arraignment, or other means
by which formal criminal charges are brought in any jurisdiction[.]" The application stated that
if this question were answered "Yes," the loan would not be approved.
49. The application required the applicant's representative to "certif, in good faith . . .
that the information provided in this application and the information provided in all supporting
documents and forms is true and accurate in all material respects" and acknowledge that
"knowingly making a false statement to obtain a guaranteed loan from SBA is punishable under
the law" as a federal felony.
50. Upon information and belief, Dora executed or caused to be executed KSOM's
PPP loan application as the company's authorized representative.
51. Upon information and belief, Dora falsely answered or caused to be answered
"No" to Question 5 in the loan application, and initialed or caused to be initialed Question 5 to
confirm this false response.
52. Answering o'No" to Question 5 was false because Dora, a20o/o or greater owner of
KSOM, was under federal indictment for multiple felonies when the application was submitted.
53. Upon information and beliel Dora falsely certified or caused to be certified that
"the information provided in this application and the information provided in all supporting
documents and forms is true and accurate in all material respects" while acknowledging that
"knowingly making a false statement to obtain a guaranteed loan from SBA is punishable under
the law" as a federal felony.
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54. In or about March 2021, Dora submitted or caused to be submitted KSOM's PPP
loan application to IBT.
55. On or about March 18,2021, in reliance on Defendants' materially false and
fraudulent representations and certifications in the loan application, IBT issued PPP Loan
#4166398610 to KSOM in the amou nt of $422,121 .30 (the "61 0 Loan").
56. On or about June 29,2022, the 610 Loan was forgiven in full, causing the United
States to reimburse IBT for the full amount plus interest, costs and fees.
KSOM Applies for and Receives a Second PPP Loan. which is Later Forgiven
57. In or about April202l, Dora prepared or caused to be prepared an SBA
application for a second-draw PPP loan on behalf of KSOM to IBT.
58. Again, Question 5 required the authorized representative to certify (in relevant
part) that no owner of the applicant was "presently subject to a[] [felony] indictment, criminal
information, arraignment, or other fileans by which formal criminal charges are brought in any
jurisdiction[.]" The application stated that if this question were answered "Yes," the loan would
not be approved.
59. Fu(her, the application required the representative to certifu: "The Applicant
received a First Draw Paycheck Protection Program Loan and, before the Second Draw
Paycheck Protection Program Loan is disbursed, will have used the full loan amount (including
any increase) of the First Draw Paycheck Protection Program Loan only for eligible expenses."
60. The application required the applicant's representative to "ceftify in good faith . . .
that the information provided in this application and the inforrnation provided in all supporling
documents and forms is true and accurate in all material respects" and acknowledge that
II
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"knowingly making a false statement to obtain a guaranteed loan from SBA is punishable under
the law" as a federal felony.
61. Upon information and beliel Dora executed or caused to be executed KSOM's
PPP loan application as the company's authorized representative.
62. Upon information and belief, Dora falsely answered or caused to be answered
"No" to Question 5 in the loan application, and initialed or caused to be initialed Question 6 to
confirm this false response.
63. Answering'No" to Question 5 was false because Dora, a20o/o or greater owner of
KSOM, was under federal indictment for multiple felonies when the application was submitted.
Further, KSOM was ineligible for a second-draw loan because its first loan had been
fraudulently obtained.
64. Upon information and belief, Dora falsely certified or caused to be ceftified that
KSOM's first-draw loan proceeds had already been properly and fully spent. This was false
because KSOM had received its first-draw PPP loan only a few days previously on March I8.
65. Upon information and belief, Dora falsely certified or caused to be certified that
"the information provided in this application and the information provided in all suppofting
documents and forms is true and accurate in all material respects" while acknowledging that
"knowingly making a false statement to obtain a guaranteed loan from SBA is punishable under
the law" as a federal felony.
66. In or about April202l, Defendants submitted or caused to be submitted KSOM's
PPP loan application to IBT.
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67. On or about April 8,2021, in reliance on Defendants' materially false and
fraudulent representations and certifications in the loan application, IBT issued PPP Loan
#8829128708 to KSOM in the amount of $421 ,820.33 (the "708 Loan").
68. On oraboutJune 29,2022, the 708 Loan was forgiven in full, causingthe United
States to reimburse IBT for the full amount plus interest, costs and fees.
THE GOVERNMENT HAS BEEN DAMAGED AS A RESULT OF
DEFENDANTS' CONDUCT
69. Defendants' materially false statements have caused the federal government to be
defrauded of taxpayer funds in the approximate amount of $850,000.00.
CLAIMS FOR RELIEF
COUNT I
False Claims Act:
Presenting or Causing to be Presented False and Fraudulent Claims
3l u.S.c. $ 372e(a)(1)(A)
70. Relator repeats the allegations contained in the above paragraphs as if fully set
forth herein.
71. As more particularly set forth in the foregoing paragraphs, by virtue of the acts
alleged herein, the Defendants have knowingly presented, and caused to be presented, false or
fraudulent claims for payment or approval in violation of 31 U.S.C. $ 3729(a)(l)(A).
72. As a result thereof, the United States has been damaged in an amount equalto or
greater than the amount paid by the United States for such false or fraudulent clairns.
COUNT II
False Claims Act:
Making or Using False
Records or Statement to Cause Claims to be Paid
31 u.S.c. $ 372e(a)(l)(B)
73. Relator repeats the allegations contained in the above paragraphs as if fully set
forth herein.
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74. As more particularly set forth in the foregoing paragraphs, by virtue of the acts
alleged herein, the Defendants have knowingly made, used, or caused to be made or used, false
records or statements- i.e., the false representations made or caused to be made by Defendants -
materialto false or fraudulent claims in violation of 3l U.S.C. $ 3729(a)(l)(B).
75. As a result thereoi the United States has been damaged in an amount equal to or
greater than the amount paid by the United States for such false or fraudulent claims.
COUNT III
False Claims Act: Conspiracy
31 u.S.C. $ 372e(a)(1)(c)
76. Relator repeats the allegations contained in the above paragraphs as if fully set
forth herein.
77. As more particularly set forth in the foregoing paragraphs, by virtue of the acts
alleged herein, the Defendants conspired with and among each other, and with others, to make or
present false or fraudulent claims, and performed one or more overt acts to effect the submission
and cause the payment of false or fraudulent claims.
78. As a result thereof, the United States has been damaged in an amount equal to or
greater than the amount paid by the United States for such false or fraudulent claims.
PRAYER FOR RELIEF
WHEREFORE, Relator, on behalf of the United States Government, demands
judgment against the Defendants, ordering that:
A. That Defendants be ordered to cease and desist from submitting any more false
claims, or further violating 3l U.S.C. $ 3729, et seq.;
B. That judgment be entered in Relator's favor and against Defendants in the amount
ofeachandeveryfalseorfraudulentclaim,multipliedasprovidedforin3l U.S.C. $3729(a),
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plus a civil penalty of not less than S 13,508 or more than $27,01 8 per claim as provided by 3 1
U.S.C. $ 3729(a),20 CFR Part 356 and 28 CFR Part 85 (see 88 FR 5776, Jan. 30,2023), to the
extent such multiplied penalties shall fairly compensate the United States of America for losses
resulting from the various schemes undertaken by Defendants, together with penalties for
specific claims to be identified at trial after full discovery;
C. That Defendants be ordered to disgorge all sums by which they have been
enriched unjustly by their wrongful conduct;
D. That judgment be granted for Relator against Defendants for all costs, including,
but not limited to, court costs, expert fees and all attorneys' fees incurred by Relator in the
prosecution of this suit; and
E. That Relator be granted such other and further relief as the Court deems just and
proper.
JURY DBMAND
Relator hereby demands a trial by jury as to all issues so triable.
DATE: tury4zozz Respectfully submitted,
GOLDBERG KOHN
By: /s/ David J. Chizewer
David J. Chizewer
Roger A. Lewis
55 East Monroe Street
Suite 3300
Chicago, Illinois 60603 -57 92
Tel: (312) 20t-3938
Fax: (312) 863-7438
D.r: j.d-, 9_h _rz._e.11 q(lgAj d b lrgksh-Llg:tm
Jtoscr'. lur i s'7it go cl bcrg[oh n.corrl
I
Eric H. Jaso Qtro hac vice admission pending)
SPIRO HARRISON & NELSON
l5
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363 Bloomfreld Avenue
Suite 2C
Montclair. NJ 07042
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