DISCLAIMER

Public court records reflect 450+ confession-of-judgment filings by Fenix Capital Funding, LLC in Polk County, Iowa (2024–present).

To date, only two defendants have fully challenged these filings on the merits through to a conclusion:

• DreamTeam Development (LACL164168)

• Relaunch Contracting / William Lynch (LACL158498)

Result: In the two known cases where defendants fully challenged Fenix COJs on the merits through to a conclusion, both resulted in favorable outcomes for the defendants. Each case depends on its specific facts.

In addition, when courts have independently scrutinized filings or set hearings:

• Guardian Aero Services (LACL157561) → judgment refused and case dismissed

• Ermis / JTE Construction (LACL157281) → withdrawn by Fenix immediately after court set hearing

Outcome:

• Judgment SET ASIDE
• Garnishment QUASHED

Why it succeeded (from public record):

• Failure to comply with Iowa Code § 676.3 verification requirements
• Defective affidavit supporting confession of judgment

What mattered:→ The filing did not meet statutory requirements on its face

Outcome:

• Court REFUSED summary enforcement
• Case ordered into FULL TRIAL as an ordinary action set for November of 2026

Why it succeeded (from public record filings and court action):

• Non-credited payments
• Material overstatement of the amount claimed
• Lack of supporting accounting
• Verification defects
• Fraud / mistake issues raised
• No meaningful Iowa nexus
• Conflict-of-law issues (NY / PA vs Iowa)

What mattered:→ This was not a single-issue challenge — it attacked:

• the number
• the affidavit
• the forum
• and the entire enforcement structure

→ The Court determined those issues required trial-level scrutiny

Outcome:

• Court REFUSED to enter judgment
• Ordered correction of defects
• Case ultimately DISMISSED

Why it matters:→ Even without a full defense, verification defects alone stopped the judgment

Outcome:

• Court set a hearing
• Fenix WITHDREW the filing immediately

Why it matters:→ When the Court required scrutiny,
→ Fenix chose not to proceed

Across all known instances where a Fenix confession of judgment was:

• directly challenged, or
• meaningfully scrutinized by the Court,

the result has been:

• Vacatur (Relaunch)
• Dismissal (Guardian Aero)
• Withdrawal (Ermis)
• Forced trial instead of enforcement (DreamTeam)

Across these cases, the same core issues appear:

• Payments not credited
• Amounts overstated
• No accounting supporting the number

• Missing or defective jurat
• Improper or insufficient sworn statements

• Confessions signed before default
• Numbers fixed before they could be accurate

• No real connection to Iowa
• Polk County used as a filing venue for out-of-state disputes

• Bank freezes
• Processor disruptions
• Third-party interference

Out of 450+ filings, the few cases that have been:

• fully challenged, or
• forced into judicial review

have not resulted in routine enforcement.

Instead, they have resulted in:

• judgments being set aside
• cases being dismissed
• filings being withdrawn
• or matters being forced into full trial

That is the actual pattern reflected in the public record.

FOR GENERAL INFORMATION ONLY – NOT LEGAL ADVICE

This section summarizes publicly available court records and case outcomes. Each case depends on its specific facts and procedural posture.