                          UNPUBLISHED

UNITED STATES COURT OF APPEALS
                 FOR THE FOURTH CIRCUIT


CAROLYN GORDON, Class                     
representative in the matter of
Campbell et al. v. J. Kim Institute
of Taekwon Do, Incorporated,
                   Plaintiff-Appellant,        No. 03-2411
                  v.
HARTFORD FIRE INSURANCE COMPANY,
               Defendant-Appellee.
                                          
            Appeal from the United States District Court
             for the District of Maryland, at Greenbelt.
              Alexander Williams, Jr., District Judge.
                         (CA-03-632-8-AW)

                        Argued: June 2, 2004

                       Decided: July 23, 2004

  Before WILKINSON, SHEDD, and DUNCAN, Circuit Judges.



Affirmed by unpublished per curiam opinion.


                              COUNSEL

ARGUED: Jo Ann P. Myles, Largo, Maryland, for Appellant. Doug-
las R. M. Nazarian, HOGAN & HARTSON, Baltimore, Maryland,
for Appellee.
2              GORDON v. HARTFORD FIRE INSURANCE CO.
Unpublished opinions are not binding precedent in this circuit. See
Local Rule 36(c).


                              OPINION

PER CURIAM:

   Appellant Carolyn Gordon serves as the class representative of
Taekwon Do lesson purchasers who prevailed in a state court default
judgment against the providers of karate services for breach of con-
tract and numerous intentional torts. Gordon subsequently sued the
providers’ insurer in state court in order to collect the judgment. Gor-
don sought a declaratory judgment entitling the class to payment as
a third-party beneficiary of the insurance, as well as recovery for vio-
lation of the common law duty of good faith and fair dealing, breach
of contract, and other related claims. The insurer removed to federal
court. The district court held that the surety bond and comprehensive
general liability policy held by the insured did not cover the various
intentional actions that formed the basis of the state court default
judgment. For the reasons that follow, we affirm the judgment.

                                   I.

   Gordon is the class representative for purchasers of lessons from
the J. Kim Institute of Taekwon Do, Inc. ("JKI") in a suit against
JKI’s insurer Hartford Fire Insurance Company and Hartford Casualty
Insurance Company (collectively "Hartford"). The present lawsuit
arises out of an attempt to enforce a judgment obtained in a previous
suit in state court. In September 1992, Gordon filed a complaint on
behalf of the class in Maryland state court against JKI, its CEO
Bobby Jae Kim, and American Credit Management Corporation (col-
lectively the "Campbell defendants"). See Order of Default, Campbell
v. J. Kim Institute of Taekwon Do, Inc., No. CAL 92-17181 (Circuit
Court for Prince George’s County, Maryland, Oct. 27, 1992). Gordon
claimed that the Campbell defendants sold the class members con-
tracts for Taekwon Do lessons, but that the Campbell defendants mis-
represented the nature of the lessons, never taught them, and
subsequently engaged in wrongful debt collection practices by falsely
              GORDON v. HARTFORD FIRE INSURANCE CO.                  3
reporting the delinquency of class members to credit agencies. In that
action Gordon raised a myriad of claims including breach of contract,
fraud, invasion of privacy, harassment, conspiracy, and defamation of
Gordon herself.

   In October 1992, the state court entered an "order of default"
against the Campbell defendants because none of them responded to
the complaint. Almost one decade later, on March 1, 2002, the state
court entered a proposed order that "deemed" that the class members
suffered $5 million in compensatory damages and were entitled to
recover $5 million in punitive damages. A damages trial followed on
March 4, 2002, in which none of the Campbell defendants partici-
pated. On March 11, 2002, the state court entered a judgment against
the Campbell defendants for $8 million, consisting of $3 million in
compensatory and $5 million in punitive damages. This default judg-
ment supplanted the prior proposed order.

   Gordon sought payment on the $8 million judgment, but was
unable to collect from the Campbell defendants. Therefore, Gordon
sought to recover from Hartford, which served as JKI’s insurer. JKI
held both a surety bond and a Commercial General Liability (CGL)
policy with Hartford. JKI’s $188,000 surety bond was limited in its
coverage to benefitting "any consumer who was damaged because of
the closing or bankruptcy of [JKI’s Landover Mall] facility." JKI’s
CGL policy provided $1 million dollars of coverage for personal and
advertising injury.

   Two provisions of the CGL policy are relevant to the litigation.
First, the CGL policy covered "bodily injury" and "property damage"
caused by an "occurrence" within the coverage territory and the pol-
icy period. The policy defined an "occurrence" as "an accident,
including continuous or repeated exposure to substantially the same
general harmful conditions." The policy expressly did not apply to
"bodily injury" or "property damage" that was "expected or intended
from the standpoint of the insured." Second, the CGL policy covered
"personal injury" and "advertising injury" caused by events arising
out of the insured’s business. The policy defined "advertising injury"
as injury arising out of, inter alia, "[o]ral or written publication of
material that violates a person’s right of privacy." The policy defined
"personal injury" as injury (other than bodily injury) arising out of,
4              GORDON v. HARTFORD FIRE INSURANCE CO.
inter alia, "[o]ral or written publication of material that slanders or
libels a person," or "[o]ral or written publication that violates a per-
son’s right to privacy." However, the policy’s coverage expressly
excluded "personal injury . . . [a]rising out of oral or written publica-
tion of material, if done by or at the direction of the insured with
knowledge of its falsity."

   Upon learning of the surety bond and CGL policy, in February
1993, Gordon filed two insurance claims with Hartford. However,
Hartford did not pay out on either the bond or the CGL policy to any
class members. After obtaining the $8 million judgment, Gordon
attempted to collect against Hartford by initiating post-judgment dis-
covery in the Campbell case. In October 2002, Gordon subpoenaed
Hartford for documents, copies of the surety bond and CGL policy,
and Hartford’s claim files. Hartford initially disclosed thousands of
pages of documents, but Gordon was unsatisfied because some docu-
ments were redacted. Subsequently, Hartford refused to submit to fur-
ther discovery proceedings, and Maryland state courts have declined
to compel Hartford to participate through the imposition of sanctions.

   On December 9, 2002, Gordon filed a declaratory judgment action
against Hartford and the Campbell defendants in Maryland state
court. In the amended complaint, appellant sought: (1) a declaratory
judgment that the surety bond and the CGL policy cover the Camp-
bell judgment and that appellant is a third-party beneficiary entitled
to payment of the $8 million judgment from Hartford; (2) damages
from Hartford for violation of the common law duty of good faith and
fair dealing for the refusal to pay the Campbell judgment; (3) dam-
ages from Hartford for breach of contract for failure to pay the Camp-
bell judgment; and (4) damages from Hartford on a promissory
estoppel claim.

   On March 6, 2003, Hartford removed Gordon’s action to federal
district court. Gordon responded by filing a motion for remand, and
Hartford filed a Rule 12(b)(6) motion to dismiss Gordon’s complaint.
With this motion, Hartford attached a copy of the complaint in the
Campbell suit, the surety bond, and a twelve-page summary of the
insured’s CGL policy. Because Gordon was pursuing post-judgment
discovery in state court, she filed a motion to stay the district court
proceedings so that she could complete the state court discovery.
               GORDON v. HARTFORD FIRE INSURANCE CO.                    5
   On July 31, 2003, the district court denied Gordon’s motions for
remand and to stay the proceedings. The district court then found that
Gordon’s claims were all against Hartford and not the insured Camp-
bell defendants. It thus dismissed the Campbell defendants from the
suit under the fraudulent joinder doctrine. With the Campbell defen-
dants dismissed, complete diversity was present. The district court
held that neither the bond nor the CGL policy covered the allegations
in the Campbell complaint. Therefore, the court found that Hartford
had no duty to cover the damages award against the Campbell defen-
dants and granted Hartford’s motion to dismiss the complaint for fail-
ure to state a claim. Gordon now appeals.

                                   II.

   We review de novo questions of subject matter jurisdiction, includ-
ing those related to the propriety of removal and fraudulent joinder.
Mayes v. Rapoport, 198 F.3d 457, 460 (4th Cir. 1999). We also
review de novo the district court’s decision to dismiss the complaint.
Brooks v. City of Winston-Salem, 85 F.3d 178, 181 (4th Cir. 1996).
We may affirm the dismissal if it appears beyond doubt that Gordon
can prove no set of facts in support of her claim that would entitle her
to relief. Flood v. New Hanover County, 125 F.3d 249, 251 (4th Cir.
1997).

                                   III.

   We first address whether the district court properly asserted juris-
diction over the case and rejected Gordon’s motion to remand the
case to state court. To resolve this question we must determine
whether Hartford’s notice of removal was submitted in a timely fash-
ion and whether diversity jurisdiction existed.

                                   A.

   The removal statute, 28 U.S.C. § 1446(b), provides that "[t]he
notice of removal of a civil action or proceeding shall be filed within
thirty days after the receipt by the defendant, through service or other-
wise, of a copy of the initial pleading setting forth the claim for relief
upon which such action or proceeding is based." Maryland law
6              GORDON v. HARTFORD FIRE INSURANCE CO.
requires out-of-state insurance companies who offer insurance in
Maryland to have the Maryland Insurance Administration ("MIA")
serve as their statutory agent for the delivery of complaints. See Md.
Code Ann., Ins. § 4-107 (2003).

   Here Gordon asserts that she delivered the summons and complaint
to MIA on February 3, 2003. Gordon claims that the thirty-day time
frame for a notice of removal began on this date. Since Hartford sub-
mitted its notice to remove to federal court on March 6, 2003, Gordon
asserts that Hartford missed the deadline laid out in 28 U.S.C.
§ 1446(b) by one day. Therefore, Gordon argues that the district court
lacked jurisdiction and should have remanded the case back to state
court.

   Gordon simply misconstrues when the thirty-day time frame for a
notice of removal begins. No court of appeals has addressed the ques-
tion of whether the thirty-day period for submitting a notice of
removal in 28 U.S.C. § 1446(b) is triggered by a statutory agent’s
receipt of service. However, the overwhelming majority of district
courts to consider the question have held that "[w]hen service is
effected on a statutory agent, rather than on an agent appointed by the
defendant, the time to remove the action to federal court does not start
to run until the defendant actually has received a copy of the com-
plaint." Lilly v. CSX Transp., Inc., 186 F. Supp. 2d 672, 673 (S.D.
W.Va. 2002); see also Hibernia Cmty. Dev. Corp. v. U.S.E. Cmty.
Servs. Group, Inc., 166 F. Supp. 2d 511, 513 (E.D. La. 2001);
Auguste v. Nationwide Mut. Ins. Co., 90 F. Supp. 2d 231, 232
(E.D.N.Y. 2000); Monterey Mushrooms, Inc. v. Hall, 14 F. Supp. 2d
988, 991 (S.D. Tex. 1998); Skidaway Assocs., Ltd. v. Glens Falls Ins.
Co., 738 F. Supp. 980, 982 (D.S.C. 1990).

   While the statutory agent received the complaint on February 3,
2003, Hartford’s registered contractual agent for service of process,
CT Corporation System, did not receive the service from MIA until
February 7, 2003. It notified Hartford of the complaint’s existence on
that date. The time for removal begins when "the defendant actually
has received a copy of the complaint." Lilly, 186 F. Supp. 2d at 673.
Therefore, Hartford’s March 6, 2003 notice of removal clearly falls
within the thirty-day time frame laid out by 28 U.S.C. § 1446(b), and
               GORDON v. HARTFORD FIRE INSURANCE CO.                    7
the district court properly found that Hartford submitted its notice of
removal in a timely way.

                                   B.

   The remaining jurisdictional issue involves the presence of com-
plete diversity. To establish diversity jurisdiction, each defendant
must be a citizen of a different state from each plaintiff. 28 U.S.C.
§ 1332(a). Under the fraudulent joinder doctrine, however, if non-
diverse defendants were added to a suit improperly, a district court
may dismiss the nondiverse defendants and assume jurisdiction over
the case. Mayes, 198 F.3d at 461. "‘[T]o establish that a nondiverse
defendant has been fraudulently joined, the removing party must
establish . . . [t]hat there is no possibility that the plaintiff would be
able to establish a cause of action against the in-state defendant in
state court.’" Id. at 464 (quoting Marshall v. Manville Sales Corp., 6
F.3d 229, 232 (4th Cir. 1993)).

   Gordon contends that there was not complete diversity in this case.
Since both the Campbell defendants and the class members are indis-
putably Maryland residents, Gordon asserts the diversity requirement
is not satisfied. She argues that the Campbell defendants were prop-
erly named in the suit, because they were the parties to the Hartford
surety bond and CGL policies that are at the center of the complaint.

   We disagree. As the district court observed, each count of the com-
plaint pertains solely to Hartford’s alleged failure to pay out under the
surety bond and CGL policy. Gordon seeks no relief whatsoever from
the Campbell defendants in this suit. Gordon has already successfully
pursued a state court claim against the Campbell defendants, which
addressed her claims against them. Ironically, if the Campbell defen-
dants had any role at all as parties in this case, it would likely be as
plaintiffs to attempt to collect from Hartford to reduce their own obli-
gations. There appears to be no reason to include the Campbell defen-
dants in this lawsuit, other than to defeat diversity jurisdiction. The
district court therefore properly dismissed these parties based on the
doctrine of fraudulent joinder, and it correctly rejected Gordon’s
motion to remand to state court.
8              GORDON v. HARTFORD FIRE INSURANCE CO.
                                   IV.

   We now turn to the question of whether the district court properly
dismissed the complaint. As noted, Gordon argues that the district
court erred in dismissing her complaint, because both the surety bond
and the CGL policy covered her claims. Gordon’s complaint against
Hartford sought (1) a declaratory judgment establishing that the class
was a third party beneficiary to the insurance agreements and thus
entitled to payment from Hartford; (2) recovery for Hartford’s viola-
tion of the common law duty of good faith and fair dealing; (3) recov-
ery from Hartford for breach of contract; and (4) recovery from
Hartford on the basis of promissory estoppel.

   We first consider the declaratory judgment count. Here the district
court based its decision to dismiss the complaint on consideration of
the Campbell complaint, the surety bond, and the CGL policy.*See
New Beckley Mining Corp. v. Int’l Union, United Mine Workers of
Am., 18 F.3d 1161, 1164 (4th Cir. 1994). Gordon’s complaint refer-
enced these documents, and the Campbell complaint and the subse-
quent $8 million judgement formed the underlying basis of the
damages sought through the declaratory judgment action. According
to Maryland law, "[a] judgment by default constitutes an admission
by the defaulting party of its liability for the causes of action set out
in the complaint." Pacific Mortgage & Inv. Group, Ltd. v. Horn, 641
A.2d 913, 923 (Md. App. 1994). Therefore, we consider the default
judgment in the Campbell case as "‘the tacit admission by the defen-
dant[s] in default of the truth of the allegations of the bill of complaint
as they are averred.’" Porter Hayden Co. v. Bullinger, 713 A.2d 962,
971 (Md. 1998) (quoting Hopkins v. Easton Nat. Bank, 187 A. 874

  *Gordon also argues that the district court should have stayed the case
pending completion of post-judgment discovery in the state court Camp-
bell proceedings. Gordon argues this stay would have allowed Gordon to
use the state court discovery to gather extrinsic evidence to establish the
applicability of insurance coverage. However, we agree with the district
court that Gordon "has not shown what relationship, if any, [the Camp-
bell post-judgment discovery] issues have with the litigation in" federal
court. The district court reviewed the record including all documents dis-
cussed in the complaint, and correctly concluded that there were no
"compelling reasons for staying this action."
               GORDON v. HARTFORD FIRE INSURANCE CO.                    9
(Md. 1936)). The district court properly found that the admission of
the underlying claims in the Campbell complaint formed the basis for
the request for declaratory judgment action against the Campbell
defendant’s insurer Hartford.

   The sole issue with respect to the surety bond was whether the
Campbell claims arose out of the "closing or bankruptcy of the [Lan-
dover Mall Kim’s Karate] facility." The surety bond expressly pro-
vided that it covered damages to consumers caused by the closing or
bankruptcy of the Landover Mall facility, if the claim is made within
one year of the expiration of the bond. Here the Campbell suit was
filed at least sixty days before that facility was closed, and none of
the claims arose out of the closing of the Landover Mall facility. In
fact, nowhere in the complaint is the closing of the Landover Mall
facility even mentioned. Gordon argues that claims concerning the
facility’s closure were informally raised and litigated during the
March 4, 2002, damages phase of the Campbell case. However, the
liability issues in the Campbell case had been resolved almost a
decade earlier, and Gordon could not raise a new theory of liability
during a hearing on damages. See Cole v. Gales, 423 A.2d 972, 973-
74 (Md. App. 1981) (in a default judgment context, a party is limited
to the damages pled, unless she amends the complaint). Therefore, the
district court properly determined that damages in the Campbell case
were not covered by the bond.

   As to the CGL policy, we must address whether the policy obli-
gated the insurer to cover the acts alleged in the Campbell complaint.
The express terms of the CGL policy cover only negligence and bod-
ily injury, and the CGL policy expressly excludes from coverage
"bodily injury" or "property damage" that was "expected or intended
from the standpoint of the insured." This provision establishes that
intentional acts or torts by the insured are not covered by the CGL
policy. Likewise, the policy expressly excludes from coverage "per-
sonal injury" that arises out of "oral or written publication of material,
if done by or at the direction of the insured with knowledge of its fal-
sity." Additionally, Maryland law does not authorize insurance cover-
age for intentional acts. Mayor of Baltimore v. Utica Mut. Ins. Co.,
802 A.2d 1070, 1100 n.49 (Md. App. 2002). Thus the CGL policy’s
coverage clearly excludes intentional conduct.
10             GORDON v. HARTFORD FIRE INSURANCE CO.
   Our focus then is solely on whether the complaint alleges negli-
gence. Contrary to Gordon’s assertions, the overarching theme of the
Campbell claims was limited to intentional acts. Count I alleges
breach of contract, and no provision of the CGL policy covers this
type of claim. Count II alleges the intentional torts of misrepresenta-
tion and fraud, and the substance of Count III entails a litany of inten-
tional torts, which are clearly excluded from the policy’s coverage.
The defamation claims in Count IV were specifically excluded from
the default judgment by the state court and are therefore not before
this court.

   It is true, as Gordon stresses, that Count III of the Campbell com-
plaint mentions the word "negligence" in its title, along with several
intentional torts. This count details how the Campbell defendants
engaged in a conspiracy to defame, harass, and provide malicious
credit information about Gordon and other members of the class. In
the context of discussing this conspiracy, this count asserts that the
Campbell defendants negligently failed to record payments for ser-
vices made by class members, and negligently reported the suppos-
edly delinquent payments to credit reporting agencies and other
parties. Campbell Complaint ¶¶ 50, 55. The suit also discusses gen-
eral "misrepresentations" without specifying whether it refers to
intentional or negligent conduct.

   Although these vague references give some hint of negligent con-
duct, the substance of this count entails intentional misconduct by the
Campbell defendants in implementing a conspiracy against Gordon
and other members of the class. See Golden First Mortgage Corp. v.
Berger, 251 F. Supp. 2d 1132, 1141 (E.D.N.Y. 2003) (dismissing
negligence claim where "complaint is permeated with allegations of
intentional conduct rather than negligence"). The count discusses how
the Campbell defendants "engaged in unlawful combination, conspir-
acy, and course of conduct pursuant to which Defendants defamed,
harassed and provided malicious credit information." Campbell Com-
plaint ¶ 45. It states these actions were "performed wantonly, willfully
and maliciously, in total disregard of the Classes’ rights." Campbell
Complaint ¶ 53. The count further asserts that the Campbell defen-
dants "improperly and maliciously provided erroneous and defama-
tory information to local and national credit agencies." Campbell
Complaint ¶ 56. The Campbell defendants’ alleged willful and mali-
              GORDON v. HARTFORD FIRE INSURANCE CO.                 11
cious acts appear clearly intended, and any negligence appears merely
incidental to the intentional misconduct. Therefore, the district court
properly found that all of the claims against the Campbell defendants
entailed intentional acts outside of the scope of the CGL policy. The
court further correctly dismissed the declaratory judgment count
because the allegations contained in the Campbell complaint are not
covered by either the surety bond or the CGL policy.

   Finally, since Hartford had no obligation to pay Gordon under the
surety bond or CGL policy, Gordon’s claims against Hartford con-
cerning violation of the common law duty of good faith and fair deal-
ing or breach of contract simply lack any merit. The district court
properly dismissed these counts based on its dismissal of the declara-
tory judgment count. And the district court also was correct to reject
Gordon’s promissory estoppel claim because, under Maryland law,
"waiver or estoppel may occur only when it does not create new cov-
erage." Allstate Ins. Co. v. Reliance Ins. Co., 786 A.2d 27, 32 (Md.
App. 2001) (internal citation and quotations omitted). Here, since
there was never any policy coverage for the claims underlying the
Campbell judgment, the promissory estoppel claim also fails.

                                  V.

   We have reviewed the remaining assignments of error and find
them without merit. For all of the foregoing reasons, we affirm the
judgment.

                                                          AFFIRMED
