Opportunistic Lawsuit
- On a summer evening six years ago, Jose Fematt and his younger sister did what most kids do as the day fades — they changed into their pajamas and planted themselves on the front-room couch to watch television.
Outside the three large windows of the first-floor apartment, Jose, 13, who was baby-sitting his sister, heard a commotion and saw the glow of flashlights in the dark. Suddenly, the family's apartment door crashed open, and plainclothes Chicago police officers barged in with their guns drawn and yelling at the stunned children, according to a recently filed lawsuit.
The officers were part of the Special Operations Section, or SOS, an elite squad that investigated drugs and guns. They were also rogue cops who were later convicted of terrorizing numerous residents with home invasions, illegal searches and trumped-up charges in one of the department's most infamous scandals. The unit was disbanded in 2007.
So the incident occurred in 2005, the unit was disbanded in 2007, anyone doing jail time finished serving their sentences two and three years ago aside from the "ringleaders." The rest of the case is stagnating six years after the fact and this lawsuit just gets filed now?
This is telling:
This is telling:
- The family didn't report the break-in at the time because they were so frightened, according to their lawyer, Torreya Hamilton, who declined for Fematt, now 19, to be interviewed because she hasn't even let city attorneys question him yet.
Fematt's account came to light only after Chagolla filed his own federal lawsuit. In January the city contacted Fematt after he was identified as a potential witness in court filings. Concerned about what the city wanted, the family contacted an attorney. What they learned was that Fematt could still file a lawsuit because he was a minor at the time of the break-in. The two-year time limit to file a civil suit had begun just a year earlier when Fematt turned 18.
We aren't excusing dirty cops doing home invasions on dope stash houses, but this has all the hallmarks of a gold digging lawsuit.
Labels: scandals
61 Comments:
Yes SCC yes it does! Lets hope the city takes it all the way,and lets hope Mike Shields helps the coppers sue these liars for defamation of character and gets the coppers big $$$$$$$$$$$$$
Its a stretch at this point using the term dirty cops. Not one person has done more than a six month sentence. And those were all pleas. This case was a joke from the beginning. This was supposed to be the biggest corruption case in police history. Yet only one person is still in jail.
In light of the recent spate of outlandish acts of violence against The Police, it would seem that the City Hall & local media propaganda campaign against the "out of control" Police had started to lose traction so they had every incentive to play this forward in a big way to generate some anti-police sentiment.
Nice way to deflect from the wilding and tree branch buggering that is rendering the streets of 001and 018 unfit for decent people.
We smile a bit because people are already starting to wonder why so much energy is expended by the city and the media in damning The Police instead of the roving bands of wilding assholes.
If they can't eat it, fuck it, or steal it, they break it or otherwise render it unuseable but it's The Police who are so "out of control?"
Chicago has gone mad.
More like "The Curious Timing of an Opportunistic Lawsuit," SCC...
According to their lawyer, Torreya Hamilton's profile on her law office website, She was the Senior counsel for the City of Chicago. This was from 2003-2006.
The incident occurred in 2004 while Ms. Hamilton was the Senior Counsel. Just another POS defense attorney. Move along, nothing to see here.
moral of the story. do what you have to do to make an arrest but dont be an idiot and criminal about it. these guys were way out of line with what they did. some of the guys made arrests and did what they had to do to make the arrests and "articulate" the facts. These guys from the sounds of it were just straight up crooks. They deserve what they got. They became criminals. if your gonna arrest the guy then arrest him. if you got into the house by an "unconventional means" and were able to make the arrest then do it legit. Articulate your PC to get in the house and recover the gun, recover the dope and recover all of the money!!! Dont think your doing a good job because you got the dope and bad guy and your entitled to take money. thats BS!!! We are cops not criminals! Dont steal money, dont beat people and dont screw off when your off duty. Sometimes to catch the bad guy youve got to venture into that gray area..just dont cross the line and feel that you deserve some extra cash. Im proud to say that everyone ive ever worked with ive never seen one person ever take a dime from anyone... the public thinks we probably all take bribes and steal etc. 99.9 percent of this department is honorable... the rest are finnegan and company who think they are untouchable and can take what they want. they have no buisness wearing our uniform
Here's some advice to folks who are bitching. A lot of new police don't want to put the time in or dig. Here's the point on a beat car you can do it all: dope, stolen cars, fugatives, rapist, murder, arson, DUI, pistols, kidnapers, arrested high ranking gang leaders, solved robbery & burglary patterns, placed armed robbers in cuffs, done search warrants, put criminals in prison. All from a beat car. I understand getting away from the radio, but some of finest work as an officer has stemed from going to a oemc job. All those units must be fun, and look neat on paper, but my partners an I have done it all in a blue shirt, all I ask is this" I've called for help, and chances are I will again, provide me back-up" that's it, that's all I will ask.
Citizen Weis was in charge then, besides fucking him on a deposition, and asking him a bunch of uncomfortable questions, I could think of at least 500, 40 of which would have his team of attorneys shitting,,,every lawsuit in the past three years involving the Chicago Police Department should depose that pumpkin headed idiot...first let's make sure his contract says the city picks his attorneys...if not let's make sure he pays for it,,,betcha,,,
Not one white shirt was was indicted. Think about that for a minute....
OT
This makes me wonder what my Sgt test answer booklet looks like....
http://tinyurl.com/4f6nxsg
High number of erasure marks shadow soaring test scores in D.C. schools
Apparently, those results mirror a trend in D.C. in recent years. But those gains are now in question, after USA Today found the number of answers changed wrong-to-right on standardized tests was so high, that the odds that the number of erasures happened by chance aren't even comparable to winning the lottery's Powerball drawing
Hate to say it but if this happened to my kids who were alone at home, I would do the same thing.
one po is in the mcc should get out soon i bet the city will be paying out some big money on this
For coppers who accepted plea deals, I think it would be a stretch to accuse someone of defamation of character - and think to win.
Anonymous said . . . . .
lets hope Mike Shields helps the coppers sue these liars for defamation of character and gets the coppers big $$$$$$$$$$$$$
What, are you insane? This may be an opportunistic lawsuit, but that does not take away the fact the DIRTY police officers conducted a home invasion. For defamation, you have to prove that you alleged something you KNEW what false. Where is this statement false? Are we still supporting Finnegan, Herrera, Hopkins, etc? Come on guys - they were dirty and we all know it. Save your support for those who simply made a mistake, but did not commit a crime.
DAC said...
According to their lawyer, Torreya Hamilton's profile on her law office website, She was the Senior counsel for the City of Chicago. This was from 2003-2006.
The incident occurred in 2004 while Ms. Hamilton was the Senior Counsel. Just another POS defense attorney. Move along, nothing to see here.
3/29/2011 12:38:00 AM
Sounds like a conflict of interest or ethics violation to me... oh, wait. She's a lawyer.
Who in their right mind would expect ethical behavior from the pond scum in that profession.
Anonymous Anonymous said...
moral of the story. do what you have to do to make an arrest but dont be an idiot and criminal about it. these guys were way out of line with what they did. some of the guys made arrests and did what they had to do to make the arrests and "articulate" the facts. These guys from the sounds of it were just straight up crooks. They deserve what they got. They became criminals. if your gonna arrest the guy then arrest him. if you got into the house by an "unconventional means" and were able to make the arrest then do it legit. Articulate your PC to get in the house and recover the gun, recover the dope and recover all of the money!!! Dont think your doing a good job because you got the dope and bad guy and your entitled to take money. thats BS!!! We are cops not criminals! Dont steal money, dont beat people and dont screw off when your off duty. Sometimes to catch the bad guy youve got to venture into that gray area..just dont cross the line and feel that you deserve some extra cash. Im proud to say that everyone ive ever worked with ive never seen one person ever take a dime from anyone... the public thinks we probably all take bribes and steal etc. 99.9 percent of this department is honorable... the rest are finnegan and company who think they are untouchable and can take what they want. they have no buisness wearing our uniform
3/29/2011 12:41:00 AM
YOU SAY IN YOUR POST "BY THE SOUNDS OF IT" HMM! By the sounds of your post your an asshole,if you listen to what the media says we are all convicts waiting to return to jail goof! Please tell me your a troll not a copper!
OT - ODPO in shooting
Off-Duty Officer Involved In Far South Side Shooting
An off-duty Chicago police officer was involved in a shooting this morning in the Far South Side's Fernwood neighborhood, police said.
Chicago police confirmed that shots were fired and that the officer was not injured. It was not immediately clear if anyone else was hurt, a spokesman said.
The incident happened at about 7:50 a.m. in the 10000 block of South Princeton Avenue.
Off Topic---Offduty cop saves his life on south side when home intruder attacks----
http://www.chicagobreakingnews.com/news/local/chibrknews-chicago-police-officer-involved-in-far-south-side-shooting-20110329,0,3167184.story
Torreya Hamilton was first an assistant states attorney then a corporation counsel. She leanred the system and then exploited it. She also teaches lawyers how to sue the city and more specifically the police.
That is all.
It might just be an " opprtunistic lawsuit", but it is hardly defensible. These officers just did everything posible to open the door and lay the groundwork for such claims. What grounds did they use to gain entry and search the entire house and turn things over? Does not look like they had anything: not a buy bust, no warrent, no plain view? Cops in NY have gone to prision for burglary convictions for just such home invasions. This clearly is not someone "doing their job". It just looks like nothing else could be proven at the time. They did everything wrong.
Off-duty officer involved in Far South Side shooting
UPDATE: Cops: Off-duty officer fatally shoots house intruder...
An off-duty Chicago police officer shot and killed an armed intruder in his home in the Fernwood neighborhood on the Far South Side, police said.
The intruder made his way into the officer's home and attacked the officer with a "cutting instrument," according to Chicago Police Officer John Mirabelli, citing preliminary information.
Fearing for his life, the officer fired his gun at the intruder, hitting him, police said.
Score another one for the good guys.
What's up in Englewood today, SCC??? Carnage party starting early???? Sounds like warm front spiking the violence got there early. Must the microburst or something.
12:38 A.M.
That is such a scam in progress.
(OT) Officers alert automatic weapons PLEASE BE CAREFUL it is cold out wonder what the animals will do when it gets WARM?
http://www.chicagobreakingnews.com/news/local/chibrknews-police-firefighters-on-scene-of-incident-in-englewood-20110329,0,3066370.story
Citizen Weis was in charge then...
3/29/2011 03:48:00 AM
"On a summer evening six years ago,"
What are you drinking?
Off topic. R.I.P. 28 Mar 2011, 2200 hrs. Albert Susnis, retired [forced out at 63 Y.O.A] from the 005th District. Two sons on the job and loved by too many to mention. Truly a South side legend. No wake information at this point but watch the papers or the daily bulletin if they still have one. King Albert the Great, we all loved you and will miss you.
OFF DUTY SHOOTS HOME INVADER
CHECK OUT THE INITIAL STORY (reprinted below) FROM THE SUN-TIMES WEBSITE.
It says the officer, who, in fear for his 'left' shot the suspect."
In fear for his "LEFT?"
Cheez, I wonder if he was advised of his "RIGHT?"
----------------------------------
Off-duty cop fatally shoots home intruder
FROM SUN-TIMES MEDIA WIRE Mar 29, 2011 11:35AM
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An off-duty Chicago Police officer fatally shot a man who tried to break into the officer’s Far South Side Roseland neighborhood home Tuesday morning.
Just before 8 a.m. Tuesday, an intruder armed with a weapon entered the home of an off-duty officer in the 10000 block of South Princeton Avenue, according to police News Affairs Officer John Mirabelli.
“The intruder attempted to attack the officer who, in fear for his left, shot the suspect,” Mirabelli said.
The suspect, who was armed with some type of cutting instrument, according to preliminary information, was “very critically” injured, Mirabelli said.
The Cook County Medical Examiner’s office confirmed the fatality, but had no further information as of 9:40 a.m.
The officer was not injured, Mirabelli said. Calumet Area detectives and the Independent Police Review Authority are investigating.
Yes SCC yes it does! Lets hope the city takes it all the way,and lets hope Mike Shields helps the coppers sue these liars for defamation of character and gets the coppers big $$$$$$$$$$$$$
are you serious? These coppers already plead guilty to doing what they claim happened. some people on this job have zero sense.
That Torreya Hamilton has clearly joined the "dark side." She used to be an ASA at 26th Cal. then went to corporation counsel. then she goes private representing the criminals who sue the city. All those years when she was learning the "trade," she took what she learned to later use it against the city and against the police. she also thinks of herself as an "up and coming" country singer. that girl is just plain wrong.
makes you wonder if the prosecutor or corporation counsel you work with today, will turn around and sue you tomorrow.
Here's some advice to folks who are bitching. A lot of new police don't want to put the time in or dig. Here's the point on a beat car you can do it all: dope, stolen cars, fugatives, rapist, murder, arson, DUI, pistols, kidnapers, arrested high ranking gang leaders, solved robbery & burglary patterns, placed armed robbers in cuffs, done search warrants, put criminals in prison. All from a beat car. I understand getting away from the radio, but some of finest work as an officer has stemed from going to a oemc job. All those units must be fun, and look neat on paper, but my partners an I have done it all in a blue shirt, all I ask is this" I've called for help, and chances are I will again, provide me back-up" that's it, that's all I will ask.
This is a perfect statement! As a Det, most of the cases in 6 years have come from BEAT GUYS!
Off Topic, Off Duty P.O. stays safe, protects his home and family when attacked with an intruder in his own home. Great job Officer! Please stay safe boy's and girl's these animals are getting worse. I know if some intruder feels man enough and walks into my home I will be doing the same.
Great job Officer, again stay safe
did finnegan come to trial yet.
Another Coverup by the Crook County Crookago Politicians. Same Bosses that allowed Cory Flagg and Company to run amuck for so long.
The people who pled guilty did so to things like "Attempted Official Misconduct"(never had heard of that one before), and "Official Misconduct". Those are very broad charges that can encompass a false report, which could be a case report with an inaccurate time, an overtime slip with a mistake etc. etc. The most serious criminal charges placed against people from SOS were dropped a couple years ago at 26th Street. The cases were trumped up bullshit and fell apart under the legal microscope of criminal court. A dope dealer had his drugs and money taken by the CPD so he then claims years later, after his case is dismissed, that he actually had a lot more money than was inventoried. The drugs though were not his. Wow, some scandal.
anyone else notice that on chicagobreakingnews.com that when there is a story about the police the comments section is always enabled but when there is a story about a criminal and the terrible crimes they had committed all comments are disabled? This is the case almost everytime. This story about the sos thing has commenting allowed. The story about the officer shooting and killing the burglar to his house has comments enabled. The story about the cop who saved the man from the burning car had comments disabled. The story about the parolee charged with agg batt and csa downtown has comments disabled. The story about the feds who are getting sued for wrongful arrest has comments enabled but the story of the teen that got kilt for retaliation of a murder he had committed over the summer but was released without charges has comments disabled. coincidence?? I think not. The media loves to get people talking and bashing the police on stories that involve police. if it involves the poor criminal who was just confused then they dont want any comments that might be negative.
Why comment on this story, is it even true?
You have to naive to believe everything in print.
If it was real, why wait so long??
fuck that ...if the cops broke into MY house (if thats what happened here) ....I'D SUE SUE SUE SUE SUE ... and then I'd SUE some more .... and I AM a cop ... anyone who says different is a liar
Every lawsuit, by definition, is opportunistic.
If these were rogue cops busting down doors illegaly, and shaking people down, then this kid has a case and he should pursue it.
Not every lawsuit against the CPD or any other department is without merit. There certainly are a lot of frivolous lawsuts taken against police departments, but this doesn't appear to be one of them.
He's still within the time frame to file, and he has a case. Why wouldn't he sue?
What happened to the statute of limitations? When was the lawsuit put forward, and was this just opportunistic of the media to play on? This town must really be boring without any newsworthy events that something from years ago has to be played again.
The Trib had a half a page article on this.
In the article it says Finegan is representing himself.
What a moron!!
http://chicago.cbslocal.com/2011/03/29/man-sues-city-says-parking-tickets-werent-for-him/ It never ends...
Not one white shirt was was indicted. Think about that for a minute....
3/29/2011 06:03:00 AM
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Because it was the MORON coppers doing DUMB shit. (including aggressive police work)
You don't go the federal penitentiary for being a lazy do-nothing, know-nothing sergeant..
If you have any questions watch Sgt. Schultz on Hogans Heroes.
Hate to say it but if this happened to my kids who were alone at home, I would do the same thing.
3/29/2011 06:51:00 AM
As would each and every poster on here (COP or not) who is so, whether they admit it or not.
Off Topic.Just to put it out there. If the Dept. sends you for work conditioning to try get you full duty expect to be there 4 hrs per day and have to swipe in & out of location ur doing your treatment.Just a heads up.
How many took a plea? Let's stop pretending they were innocent, mmkay? Innocent coppers don't take a plea and cooperate. Just stop all the cheerleading already. Is this one frivolous? Perhaps.
Kind of hard to sing their praises when 90% of them admitted guilt and pointed out others. They picked what they thought were perfect victims. Illegals involved in the dope game...they weren't the first, they won't be the last.
Is JF the "most corrupt cop ever"? Not by a mile, but let's remember he still hasn't been charged with a crime! The Guantanamo prisoners have been treated more fairly... JF has spent the last 4 years or more in solitary at the MCC. Even if he is guilty, he's paid his debt in my opinion.
Act like a professional. Period. Don't MF citizens, don't steal ANYTHING, and don't put hands on someone because they piss you off. Those three rules will insure a happy retirement. Only a fool would do differently. If you can't outsmart them, you have no business whining about your 30 days!
Anonymous said...
OT
This makes me wonder what my Sgt test answer booklet looks like....
http://tinyurl.com/4f6nxsg
High number of erasure marks shadow soaring test scores in D.C. schools
Apparently, those results mirror a trend in D.C. in recent years. But those gains are now in question, after USA Today found the number of answers changed wrong-to-right on standardized tests was so high, that the odds that the number of erasures happened by chance aren't even comparable to winning the lottery's Powerball drawing
TO WHOEVER WROTE THIS, The Chicago Police Promotional Testing process is so corrupt there is no fixing it, without blowing it to pieces. I have been around long enough to know "NOTIFY THE WATCH COMMANDER" was the right answer, just as "NOTIFY THE COOK COUNTY FOREST PRESERVE POLICE" was the right answer to the last Sgts. test. To GEORGES and KENNEDY we all know MAUER gave you the answers to the lieutenants test. WE all know KOBEL held a private class for the detectives test where he gave out the answers and was forced to resign. We all know the tact team in 11 where everyone made detective on the last list and some people even made Sgt. I tried to initiate a CR number to Sgt. BOEHLMER in IAD about the KOBEL class and was totally ignored. WHY?
RIP al susnis.....he did 30+ years in 005. has 2 sons and a daughter-in-law on the job. great cop and great guy . wake is thursday 31 march at mcgann 107th/pulaski from 3p-9p
Speaking of lawsuits, beat 920 2nd watch decided to donate his house, all of his savings, and future income to a working P.O. today. Thanks sarge. Nice to see white shirts looking out for the blue shirts for a change.
"What happened to the statute of limitations? When was the lawsuit put forward, and was this just opportunistic of the media to play on?"
If you bothered to read the article it mentions Fermatt was a juvenile @ the time of incident. There arent statues of limitations when it come to juveniles. The Ryan Harris Kids comes to mind.
Is JF the "most corrupt cop ever"? Not by a mile, but let's remember he still hasn't been charged with a crime! The Guantanamo prisoners have been treated more fairly... JF has spent the last 4 years or more in solitary at the MCC. Even if he is guilty, he's paid his debt in my opinion.
3/29/2011 09:50:00 PM
My opinion says he should be there for the rest of his life AND he should have a lot of company from his crew. Did you forget about the "paint job"? He did more harm to this Department than any ten gangs could ever do. again, just my opinion.
that't the beauty of working a beat car--- today you may lock up a bank robber and tomorrow you may be bagging up a stinker--- you see it all and can do it all depending on how you approach the job ( a good partner also helps) stay safe everyone....
Hey Wyatt Earp. You charge someone with "attempt" anything.
You know the types of offenses? Conspiracy, attempt, inchoate etc.?
Jesus fucking christ. Let me guess. You have between 5 and 10 years on and act like you know everything but don't really know shit.
TO: Speaking of lawsuits, beat 920 2nd watch decided to donate his house, all of his savings, and future income to a working P.O. today. Thanks sarge. Nice to see white shirts looking out for the blue shirts for a change.
WHat happened?
Listen Up, I was a Sergeant in SOS when this crap hit, The comment on no White Shirts being indicted is crap, a few Sgts. got stripped, one resigned because of Lt. Jake Blake micro managing the Sgts. on his watch. This certain Sgt from time to time had the team of misfits and objected to them going where they wanted but he was always overruled by Blake. He was notr indicted but where there is smoke there is fire, I'm sure that they were not angels but neither were the alledged victims. Blake made his guys go out there and getr guns, any way they could was good, just so he was made to look good and his watch just had to be better then the Baron's watch, and where did it get him, he retired real fast, as soon as he chit 50, ran out on this whole big investigation. It was a good unit and not everyone was bad.
Here's some advice to folks who are bitching. A lot of new police don't want to put the time in or dig. Here's the point on a beat car you can do it all: dope, stolen cars, fugatives, rapist, murder, arson, DUI, pistols, kidnapers, arrested high ranking gang leaders, solved robbery & burglary patterns, placed armed robbers in cuffs, done search warrants, put criminals in prison. All from a beat car. I understand getting away from the radio, but some of finest work as an officer has stemed from going to a oemc job. All those units must be fun, and look neat on paper, but my partners an I have done it all in a blue shirt, all I ask is this" I've called for help, and chances are I will again, provide me back-up" that's it, that's all I will ask.
3/29/2011 03:41:00 AM
I don't know who you are but the fact that your not complaining about it tells me that A) your a worker B) you don't dwell on the bullshit that your peers bullshit. Nice to know that there are other people out like that.. Stay safe brother
OT...I second that..RIP Al Susnis....You were truly a class act...what a pleasure it was to work with you but even more of a pleasure to become your friend..i will miss you.... i can say this for sure, there won't be anyone driving any hot cars in heaven!!
Anonymous said...
Speaking of lawsuits, beat 920 2nd watch decided to donate his house, all of his savings, and future income to a working P.O. today. Thanks sarge. Nice to see white shirts looking out for the blue shirts for a change.
3/29/2011 11:50:00 PM
The blue shirt involved is a total goof who set the whole thing up in order to sue. Real class act. Now who's looking out for who, asshole.
To the sgt beefing about Jake you can tell by your comments that you worked the other watch. You know the one that really didn't do much. So since you didn't work for the man stfu. So quit trying to criticize his watches hard work with your nonsense. Apparently the prosecutors disagree with your analogy about the watch being dirty since there is only one person still in jail. And he's awaiting trial. So keep talking about your watches drinkers and one bag arrests and leave the real police work to others better suited for it. Maybe if you did more work you'd have less time to whine.
Anonymous Anonymous said...
Hey Wyatt Earp. You charge someone with "attempt" anything.
You know the types of offenses? Conspiracy, attempt, inchoate etc.?
Jesus fucking christ. Let me guess. You have between 5 and 10 years on and act like you know everything but don't really know shit.
3/30/2011 11:59:00 AM
---------------------------
"Conspiracy, Attempt AND Inchoate are ALL offenses?" Bwaaahahaha!!!
Solicitation, Conspiracy, Attempt ARE inchoate offenses. Inchoate is the definition NOT AN OFFENSE.
Inchoate basically means something that was started but not completed.
You're probably the guy that wants to charge people with 'Attempt Battery.' **
Here's a tip for YOU, Sherlock.
It's better to keep your mouth shut and have people think you're stupid, rather than open it and remove all doubt.
** It's called Assault.
You would get paid too.
Anonymous said...
Speaking of lawsuits, beat 920 2nd watch decided to donate his house, all of his savings, and future income to a working P.O. today. Thanks sarge. Nice to see white shirts looking out for the blue shirts for a change.
3/29/2011 11:50:00 PM
The P.O. was a mush in 025 and is mush in 018. He started the whole thing and made it more than it needed to be. It's his fault for the whole incident.
From someone who was there.
"TO: Speaking of lawsuits, beat 920 2nd watch decided to donate his house, all of his savings, and future income to a working P.O. today. Thanks sarge. Nice to see white shirts looking out for the blue shirts for a change.
WHat happened?
3/30/2011 12:34:00 PM"
A play in five acts:
Act I: Unanimous anonymous citizenry call in a complaint against an on-duty P.O., CPS cronies do their best to help out...
Act II: Clouted 920 responds and gets his feelings hurt because he doesn't know the law...
Act III: The Queen of IAD gives her blessing to the ensuing Arrest/RWOC procedural shitstorm...
Act IV: All IAD/009th District personnel involved do the ol' "Pontius Pilate" on the paperwork...
Epilogue: The P.O. will be able to pay off his house early.
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