                        NOT FOR PUBLICATION WITHOUT THE
                      APPROVAL OF THE APPELLATE DIVISION
     This opinion shall not "constitute precedent or be binding upon any court."
      Although it is posted on the internet, this opinion is binding only on the
         parties in the case and its use in other cases is limited. R.1:36-3.



                                       SUPERIOR COURT OF NEW JERSEY
                                       APPELLATE DIVISION
                                       DOCKET NO. A-0699-15T4

AMERICAN EXPRESS
CENTURION BANK,

              Plaintiff-Respondent,

v.

SALVATORE MASTROPOLE,

          Defendant-Appellant.
___________________________________________

              Argued April 25, 2017 – Decided           July 5, 2017

              Before Judges Suter and Grall.

              On appeal from the Superior Court of New
              Jersey, Law Division, Passaic County, Docket
              No. L-0440-14.

              Richard H. Kotkin argued the cause for
              appellant.

              Respondent American Express Centurion Bank
              has not filed a brief.

PER CURIAM

        Plaintiff American Express Centurion Bank filed a complaint

alleging defendant Salvatore Mastropole breached a credit card

agreement to pay the minimum amount due as indicated on his

monthly statements (count one), seeking payment due on the
account (count two), and alleging unjust enrichment based on

defendant's receipt of the benefits charged on the card without

tendering payment (count three).     The parties settled the case

and filed an amended stipulation of settlement with the court on

May 6, 2014.    On July 10, 2015, defendant moved to vacate the

settlement agreement, and he now appeals from a July 25, 2015

order, denying his motion to vacate.    Plaintiff did not file a

timely answering brief, and on its own motion, this court

suppressed the brief.    For the reasons that follow, we affirm.

    Defendant was not represented by counsel at the time of the

settlement.    He was, however, represented by counsel on the

motion to vacate, and he is represented by the same attorney on

appeal.   In support of his motion to vacate the settlement,

defendant submitted a certification asserting that he "agreed to

settle" the initial litigation with the understanding that he

"would make certain monthly payments, towards the outstanding

balance" and "would get back [his] credit privileges and . . .

could continue to charge on the Account."    Although his credit

was not restored, he continued to make monthly payments.     By

plaintiff's account, he made ten monthly payments under their

agreement before stopping payments and consulting an attorney,

who, according to defendant, told him the agreement did not

reflect his understanding.

                                 2                          A-0699-15T4
    There is no question that the four page, seven paragraph

stipulation of settlement defendant signed does not reflect

those terms.   Instead, it includes the following:

         Except for the terms and conditions contained
         herein    Defendant[s]     acknowledges     and
         represents that he possess no claims, demands,
         defenses, counterclaims, or causes of action
         whatsoever against [plaintiff], its officers,
         directors,   employees,   agents,    attorneys,
         heirs and assigns pertaining to [his account
         number], which are not being resolved pursuant
         to the Agreement. Defendant[s] forever waives
         and relinquishes any and all such claims,
         whether   known   or  unknown,    and   further
         covenants and agrees that he shall not
         institute any suit, proceedings or action at
         law, equity arbitration, or otherwise against
         [plaintiff], or in any way aid in the
         institution or prosecution of any claim,
         demand, or cause of action against American
         Express arising directly or indirectly out of
         or in connection with [his account number].

    Defendant does not point to a single passage in the

document he signed to settle plaintiff's suit that he could have

read as a promise to restore his credit.   Nevertheless, he

signed it.

    "Public policy favors the settlement of disputes."

Willingboro Mall, Ltd. v. 240/242 Franklin Ave., L.L.C., 215

N.J. 242, 253 (2013).   "An agreement to settle a lawsuit is a

contract which, like all contracts, may be freely entered into

and which a court, absent a demonstration of 'fraud or other

compelling circumstances,' should honor and enforce as it does

                                3                          A-0699-15T4
other contracts."     Pascarella v. Bruck, 190 N.J. Super. 118, 124

(App. Div.) (quoting Honeywell v. Bubb, 130 N.J. Super. 130, 136

(App. Div. 1974), certif. denied, 94 N.J. 600 (1983)); accord

Zuccarelli v. N.J. Dept. of Envtl. Prot., 326 N.J. Super. 372,

380 (App. Div. 1999), certif. denied and appeal dismissed, 163

N.J. 394 (2000).    "Before vacating a settlement agreement, our

courts require clear and convincing proof that the agreement

should be vacated."    Nolan v. Lee Ho, 120 N.J. 465, 472 (1990)

(internal quotation marks omitted).    "A party is bound to the

contract it made at the time, even if it turns out to be a poor

deal."   New Jersey Mfrs. v. O'Connell, 300 N.J. Super. 1, 7

(App. Div.), certif. denied, 151 N.J. 75 (1997).

    Given defendant's signing of the agreement unambiguously

omitting any promise concerning restoration of credit, and his

tender of ten monthly payments in conformity with the

stipulation, defendant's unsupported assertion that plaintiff

fraudulently omitted a promise material to his agreement is

simply not enough to warrant an order vacating the settlement.

Judge Brogan properly denied the motion.

    Affirmed.




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