Preview
1393963
MOTION FOR DEFAULT FOR STATE OF CONNECTICUT JOURT USE ONLY “|
FAILURE TO APPEAR, JUDGMENT SUPERIOR COURT
AND ORDER FOR WEEKLY PAYMENTS www.jud.ct.gov AA {ALU
JD-CV-49 Rev. 8-99 INSTRUCTIONS TO PLAINTIFF/PLAINTIFF*S ATTORNEY RETURN DATE
P.B. §§ 17-25, et seq. Complete this Motion and an Affidavit of Debt (JD-CV-52) and send original of each| 7/43/2021
to the Clerk's Office and one copy of each to all defendants. Complete section | of
the Notice of Judgment and Order for Weekly Payments (JD-CV-50) and file in| DOCKET NO.
TO: The Superior Court duplicate with the Clerk's Office. LLLCV21-6028410-8
‘Judicial Housing ADDRESS OF COURT (No,, street, town and zip code)
District ] session L] G.A.No. 50 FIELD STREET TORRINGTON, CT 06790
NAME OF CASE (Plaintiff v. Defendant)
BANK OF AMERICA, N.A. v. VLADIMIR GEORGE SCHEDRIN
NAME(S) OF ALL DEFENDANT(S) AGAINST WHOM MOTION IS FILED
VLADIMIR GEORGE SCHEDRIN
[EMOTION FOR DEFAULT FOR FAILURE 1
In the above entitled action, the Plaintiff(s) respectfully represent(s) that the Defendant(s) named above has (have) failed to
file an appearance within two days after the return date. The Plaintiff(s) therefore request(s) that a default be entered
against the Defendant(s) for failure to appear and that the Court enter judgment after default in favor of the Plaintiff(s) in
accordance with the Affidavit of Debt attached. ("X" one of the following)
The Plaintifi(s) also request(s) that an order for _[X] NOMINAL ] REASONABLE 35.00 weekly payments be entered.
WAME.OE PERSON SIGNING MOTION ADDI
RUBIN 2 ROTHMAN, LLC 1787 VETERANS MEMORIAL HIGHWAY SUITE 32 ISLANDIA, NY
ADAM. OLsHAN, ESQIMBERLY PETERSON, ESQ/JOSHUA EGLER,
SIGNED
PLAINTIFF DATE SIGNED
ATTORNEY ayo 17 2021
The ve undersigned, being duly sworn, n, deposes and says that: ("X” one of the following)
the undersigned is unable to determine whether or not the Defendant(s) in this action are in the military or naval service
of the United States.
no Defendant in this action is in the military or naval service of the United States, and that, to the personal knowledge of
xX
the undersigned (state facts showing defendant is not in such service):
SEE ATTACHED
THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
JOANNE KLEMBA
NOTARY PUBLIC
MY COMMISSION EXPIRES JAN. 31, 202:
AD ) PRINT NAME AND, IF APPLICABLE, TITLE, OF AFFIANT —_. [DATE SIGNED
VN ‘ Se NgWV Aa a0 AGC cle vera Aug 17 2001
: SIGNED (Comm. of Sup. Courvotary) DATE SIGNED
Subscribed and sworn to before me: aug 17 1 a2
FICATION vice
This is to certify that copies of the above Motion, Miltary Service Affidavit,
Affidavit of Debt, and Plaintiff's Bill of Costs were delivered/mailed via
U.S. Mail, postage prepaid on (date): ¥-17-20a)
to the following Defendants: (Enter name(s) and address(es) of
Defendant(s).
VLADIMIR GEORGE SCHEDRIN 171 OLD FARMS RD TORRINGTON, CT 06790-2240
[_] PLAINTIFF FOR COURT USE ONLY
X] ATTORNEY FOR PLAINTIFF(S)
SIGNED
x
DATE SIGNED
AUG 17 2021Department of Defense Manpower Data Center
Status Report
Pursuant to Servicemembers Civil Relief Act
Resuits as of : Aug-17-2021 06:53:15 AM
SCRA 59
SSN:
Birth Date:
Last Name: SCHEDRIN
First Name: VLADIMIR
Middle Name: GEORGE
Status As Of: Aug-17-2021
Certificate ID: LT3RF8SQWVGZOJ1
© On Active Duty On Active Dee Date
‘Active Duty Start Date: Active Duty End Date ‘Status ‘Service Component,
NA NAS ‘ Rec NA
“Tis response relict the InciviJal’ active Guy-stalue based on the Active Duly Slatys Dale
Lett Active Duty Within 367 Days of Active’ Day Sae Date:
Active Duty Start Date. ‘Active Duty End Date: Status. ‘Service Component
NA bo NA ate , No He NA
‘This response rellects whate the individual let active dufy-stalis wahin 367 days preceding the Active Quty Status Date
le “oo giro Hee Unt Woe Ned at Fore Gab Up atie By on Ale Duly Sta Bata
‘Order Notitication Start Date ‘Order Notiication End Date’ 2 Stas Service Component
NA NA = afer No. NA
This response reflects whether the individual or his/fer unit has received eaily nolificaln to report for active duly
Upon searching the data banks of the Department of Defense Manpower Data ‘Center, based on the information that you provided, the above is the status of
the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and
Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty.
Wek Foresite
Michael V. Sorrento, Director
Department of Defense - Manpower Data Center
400 Gigling Rd.
Seaside, CA 93955The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility
Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems.
The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) (formerly known as
the Soldiers' and Sailors’ Civil Relief Act of 1940). DMDC has issued hundreds of thousands of “does not possess any information indicating that the
individual is currently on active duty” responses, and has experienced only a small error rate. In the event the individual referenced above, or any family
member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the
protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact
information can be found on the SCRA website's FAQ page (Q35) via this URL: hitps:/scra.dmde.osd.mil/scra/#/faqs. If you have evidence the person
was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked
against you. See 50 USC App. § 3921(c).
This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active
Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active
duty on the Active Duty Status Date.
More information on "Active Duty Status"
Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less
than 30 consecutive days in length were available, In the case of a member of the National Guard, this includes service under a call to active service
authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the
President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the
unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve
Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S.
Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps).
Coverage Under the SCRA is Broader in Some Cases
Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be
reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods.
Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1).
Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website
cerlification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service.
Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not
actuaily begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA
extend beyond the last dates of active duty.
Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA
are protected
WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing
erroneous information will cause an erroneous certificate to be provided.ag ADAV OF DEBT
RE: MOTION FOR DEFAULT
FOR FAILURE TO APPEAR, STATE OF CONNECTICUT
WEEKLY PAYMENTS see UAL
WEEKLY PAYMENTS INSTRUCTIONS
ps. 2 Rev. 599 1. Complete this affidavit and send original with your compieted Motion for Default to Appear, Judgment and Order for
B. Weekly Payments (JD-CV- 49) and Notice of Judgment and Order of Payments (JD-CV-50) to the Clerk's Office.
2, Attach a copy of the contract, lease or other document, applicable, to the completed affidavit.
3. Ifinterest is being claimed, the period covered and the rate claimed must be stated.
4. If claiming attorney's fees, a copy of the agreement must be attached.
5. Send one copy of the completed Affidavit and Motion to each defendant.
RETURN DATE
11312024
. . DOCKET NO.
TO: The Superior Court LLLeV21.6028410-8
COURT yniciat HOUSING GA. ADDRESS OF COURT (No., street, town, and zip code)
DISTRICT session _L_] no. 50 FIELD STREET TORRINGTON, CT 06790
NAME OF CASE (Plaintiff v. Defendant)
BANK OF AMERICA, N.A. v. VLADIMIR GEORGE SCHEDRIN
NAME(S) OF (ALL) DEFENDANT(S) AGAINST WHOM MOTION IS FILED
VLADIMIR GEORGE SCHEDRIN
E : a Zi
The undersigned deposes and says that (s)he is the Plaintiff or X] (title) ATTORNEY of the
Plaintiff and is familiar with the facts stated below. The Defendant(s) is/are indebted to the Plaintiff(s) as follows:
SEE ATTACHED AFFIDAVIT OF DEBT, EXECUTED BY BANK OF AMERICA, NA
ATTACHED HERETO AND MADE A PART HEREOF. THE COPIES ATTACHED ARE TRUE COPIES OF THE ORIGINALS.
THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
JOANNE KLEMBA
NOTARY PUBLIC
MY COMMISSION EXPIRES JAN. 3 2
IX] Continuation of Hig eiaet of debt is attached and made a part hereof.
(A)
SIGNED (Affiant) PRINT NAME OFA‘ \NT
‘ADAM J. OLSHAN, ES‘ IMBERLY PETERSON, ESQ./JOSHUA C. EGLER, ESQ.
v ‘SIGNED (Comm. of Sup. CourkNotary) 3 DATE SIGNED,
Subscribed and sworn to before me: -(J-
[Yin lenbe S72LITCHFIELD JUDICIAL DISTRICT
AT TORRINGTON
BANK OF AMERICA, N.A.
Plaintiff,
-against-
VLADIMIR GEORGE SCHEDRIN
Defendant.
COVER SHEET
TO BE ATTACHED
AFFIDAVIT OF MERIT
LARA ET
000006095079
Our File No. 1393963
Index No. LLI-CV21-6028410-SAFFIDAVIT
The undersigned, being duly sworn, states that:
1 tam over 19 years old and competent to make this Affidavit. |am employed by Bank of America, N.A. as an officer of the bank
and am duly authorized to make this Affidavit. Bank of America, N.A. isa wholly-owned subsidiary of Bank of America Corporation and
the successor-in-interest to FIA Card Services, N.A., formerly known as MBNA America Bank, N.A. (“FIA”). FIA was merged into and under
the charter and title of Bank of America, N.A. effective October 1, 2014. FIA and Bank of America, N.A. are collectively referred to herein
as “BANA”.
2. 1am familiar with and have personal knowledge of the manner and method by which BANA maintains its normal business books
and records, including computer records, and the methods by which such records are made. These books and records are kept by BANA
in the course of regularly conducted business activity. It is BANA’s regular practice to make such books and records and these books and
records are made: (i) at or near the time the events they purport to describe occurred, by or from information transmitted by a person
with knowledge of the acts and events and a business duty to report, or (ii) by a computer or other similar digital means, which
contemporaneously and reliably records an event as it occurs. The contents of this Affidavit related to the Defendant's account are true
and correct based upon my personal knowledge of the record keeping systems under which BANA maintains its business books and
records.
3. The books and records of BANA show that Defendant, VLADIMIR GEORGE SCHEDRIN, obtained an account with BANA or a
predecessor in interest for the purpose of obtaining an extension of credit (the “Account”) and thereafter used or authorized the use of
the Account for the acquisition of goods, services, balance transfers or cash advances in accordance with the customer agreement
(“Agreement”) governing use of the Account. Defendant breached the Agreement by failing to make periodic payments as required
thereby.
4. The account was opened on 07/26/2017. Defendant's current Account number is XXXXXXXXXXXX4776. As of the execution
date of this Affidavit, Defendant is indebted to BANA on the Account for $9337.86, which includes pre-charge-off interest allowed under
the Agreement. The Account charged-off on 05/30/2020. The last payment posted to the Account on or about 10/12/2019. The
Account is not accruing post charge-off interest and all payments and credits have been applied.
5. In accordance with federal regulations, monthly periodic statements reflecting the amount due on the Account have been
provided to the Defendant. Attached hereto is a true and correct copy of (1) the last periodic statement provided to Defendant prior to
charge-off of the Account (the "Last Statement") and (2) the most recent pre-charge-off periodic statement that reflects a purchase
transaction, service billed, payment (including a payment that later returned as unsuccessful whether due to insufficient funds or
otherwise), or balance transfer. If only one periodic statement (the Last Statement) is attached, then the most recent pre-charge-off
activity on the Account (as described above) appears on the Last Statement. Based on BANA’s records, there are no unresolved billing
disputes regarding the Account.
I declare under the penalty of perjury that the foregoing Is true and correct and if called as a witness | would competently testify,
under oath, thereto.
JUL 2.0 2021 to-~ tr—~ as om
Destane Williams ’ icer
DATE AFFIANT SIGNATURE AFFIANT NAME '
State of: NORTH CAROLINA County of: GUILFORD
SIGNED and sworn to (or affirmed) before me, the undersigned Notary Public in and for the jurisdiction aforesaid, by
JL 2.0 2021 oni,
Destane Williams, on this day, : . ",
oye. KeENA, in
s ANSSION Zoe
C re NSSION Ee
Notary Public
My Commission Expires:
MAR 2 4 2026
\D: 606757407702BANK OF AMERICA “7
P.O, BOX 15264
WILMINGTON, OE 19850
VLADIMIR GEORGE SCHEDRIN
171 OLD FARMS RO
TORRINGTON CT 06790-2240
Account Summary
Previous Balance , $9,231.12
Payments and Other Credits $0.00
Purchases and Adjustments $0.00
Fees Charged $0.00
Interest Charged $106.74
New Balance Total $9,337.86
Total Credit Line $8,500.00
Total Credit Available $0.00
Cash Credit Line $2,550.00
Portion of Credit Available
for Cash $0.00
Statement Closing Date 05/21/2020
Days in Billing Cycle 30
Customer Service Information:
www.bankofamerica.com
1.800.421.2110
TTY: 1.8003463178
Mail billing inquiries to:
Bank of America
P.O. Box 982234
El Paso TX 79998-2234
Mall payment to:
Bank of America
P.O. Box 15019
Wilmington DE 19886-5019
il 22 - May 21, 2020
account 4776
Payment Information
New Balance Total $9,337.86
Current Payment Due $199.00
Past Due Amount $1,605.00
Total Minimum Payment Due $1,804.00
06/18/2020
Payment Due Date
Late Payment Warning: If we do not receive your Total Minimum
Payment by the date listed above, you may have to pay a late fee of up to
$39.00.
Total Minimum Payment Warning: If you make only the Total Minimum
Payment each perlod, you will pay more in Interest and It will take you
longer to 2 pay off your balance. For example:
Tey
$17,448.00
Only the Total
Minimum Payment.
If you would like Information about credit counseling services, call
866.300.5238.
2 EE
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON DE 19886-5019.
VLADIMIR GEORGE SCHEDRIN
171 OLD FARMS RD
TORRINGTON CT 06790-2240
Account Number: RNS 4776
——_$—_—_—_$_
New Balance Total $9,337.86
Total Minimum Payment Due. + $1,804.00
Payment Due Date 06/18/2020
Enter payment amount
For change of address/phone number, see reverse side.
‘Make your payment online at www.bankofemerica.com or
Mail this caupon along with your check peyable to: Bank of AmericaVLADIMIR GEORGE SCHEORIN | Account + IMM 4776 | April 22 - May 21, 2020
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
PAYING INTEREST - We will not charge interest on Purchases on the next
statement if you pay the New Balance Total in full by the Payment Oue Date,
and you had pald in full by the previous Payment Due Date. We will begin
charging interest on Balance Transfers and Cash Advances on the transaction
date.
TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and
are compounded on a dally basis. To determine the Interest Charges, we
multiply each Balance Subject to interest Rate by its applicable Dally Perladic
Rate and that result Is multiplied by the number of days in the billing cycle. To
determine the total Interest Charge for the billing cycle, we add the Periodic
Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing
an Annual Percentage Rate by 365.
HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to
posted balancés. {f your account has balances with different APRs, we will
allocate the amaunt of your payment equal to the Total Minimum Payment Due
to the lowest APR balances first {including transactions made after this
statement). Payment amounts in excess of your Total Minimum Payment Due
will be applied to balances with higher APRs before balances with lower APRs.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When
using the optional Pay-by-Phone service, you authorize us to initiate an
electronic payment from your account at the financial institution you designate.
You must authorize the amount and timing of each payment. For your
protection, we will ask for security information. A fee may apply for expedited
service. To cancel, call us before the scheduled payment date. Same-day
payments cannot be edited or canceled.
YOUR CREDIT LINES - The Total Credit Line is the amount of credit
available for the account; however, only a portion of that is available for Bank
Cash Advances. The Cash Credit Line is that amount you have available for
Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash
Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash
Advances, Overdraft Protection Cash Advances, Cash Equivalents, and
applicable transaction fees.
MISCELLANEOUS - Promotional Rate End Date: This date is based on a
future statement closing date. If you change your payment due date, this date
could change. The New Balance Total which appears on this statement is not a
payoff amount and may be subject to additional interest charges when you pay
in full after your statemnent closing date. Please contact the customer service
number located on the front of this statement for a pay-off amount. Virtual
cards are the digital form of your ellgible physical credit cards stored within a
digital wallet.
© 2020 Bank of America Corporation
(004 - 000-000 - 6
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Dally Balance Method (including new Purchases): We calculate
separate Balances Subject to an Interest Rate for Purchases and for each
Introductory or Promotional Offer balance consisting of Purchases. We do this
by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all
the dally balances together; and (3) dividing the sum of the dally balances by
the number of days in the billing cycle.
To calculate the daily balance for each day in this statement's billing cycle, we:
(1) take the beginning balance; (2) add an amount equal to the applicable Daily
Periodic Rate multiplied by the previous day's daily balance; (3) add new
Purchases, new Account Fees, and new Transaction Fees; and (4) subtract
applicable payments and credits. If any daily balance is less than zero we treat
It as zero.
Average Balance Method (including new Balance Transfers and new Cash
Advances}: We calculate separate Balances Subject to an Interest Rate for
Balance Transfers, Cash Advances, and for each Introductory or Promotional
Offer balance consisting of Balance Transfers or Cash Advances. We do this by:
(1) calculating a dally balance for each day in this statement's billing cycle; (2)
calculating a daily batance for each day prior to this statement's billing cycle
that had a "Pre-Cycle balance” - a Pre-Cycle balance is a Balance Transfer or a
Cash Advance with a transaction date prior ta this statements billing cycle but
with a posting date within this statement's billing cycle; (3) adding all the daily
balances together; and (4) dividing the sum of the daily balances by the number
of days in this statement's billing cycle.
To calculate the daily balance for each day in this statement's billing cycle, we:
(1) take the beginning balance; (2) add an amount equal to the applicable Daily
Periodic Rate multiplied by the previous day's daily balance; (3) add new
Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract
applicable payments and credits. If any daily balance is tess than zero we treat
it as zero.
To calculate a dally balance for each day prior to this statement's billing cycle
that had a Pre-Cycle balance: (1) we take the beginning balance attributable
solely to Pre-Cycle balance (which will be zero on the transaction date of the
first Pre-Cycle balance); (2) add an amount equal to the applicable Daily
Periodic Rate multiplied by the previous day's dally:balance; (3) and add only
the applicable Pre-Cycle balances and their related Transaction Fees. We
exclude from this calculation all transactions posted in previous billing cycles.
For the complete terms and conditions of your account, consult your Credit
Card Agreement. This account Is issued and administered by Bank of America.
Bank of America Is a registered trademark of Bank of America Corporation.
PAYMENTS - We credit matled payments as of the date recelved, If the payment Is: (1) recelved by 5 p.m. local time at the address shawn on the remittance portion of your
monthly statement; (2) pad with a check drawn in U.S. dollars on a U.S. financial instituton ar 2 U.S. dollar money order; and (3) sent in the return envelope with only the remigtance
portion of your statement accompanying It Payments received by mail after § p.m. local
{ime at the remittance address on any day including the Payment Oue Date, but that otherwise
Peet the above requirements, will be credited as of the next day. Payments made online or by phone will be credited as of the date of receipt if made by 5 pm. Central. Credit for any
‘other payments may be delayed up to five days. Cash payments fnade with our tellers or ATM with Teller Assist (ATA) will only be accep!
ted with a valid identification (10).
No payment shall operate as an accord and satisfaction without the prior written approval of one of our Senior Officers,
We process most payment checks electronically by using the Information found on your check. Each check authorizes us to create a one-time electronic funds transfer (or process It as a
check or paper draft). Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you.
If yo
shave authorized us to pay your creditcard ill automatically from your savings or checking account with us, ou can stop the payment on any amount you thnk s wrong. To stap
payment, your letter must reach us at least three business days before the automatic payment Is scheduled to occur.
Change of Address/Phone number: Online at www.bankofamerica.com
Please do not add any written communication In this space.
ABVLADIMIR GEORGE SCHEORIN | Account # MMIII 4776 | April 22 - May 21, 2020
Transactions
Transaction Posting Reference Account
Date Date Description Number Number Amount Total
Interest Charged
05/21 05/21 INTEREST CHARGED ON PURCHASES 22.63
05/21 05/21 INTEREST CHARGED ON BALANCE TRANSFERS: 84.11
05/21 05/21 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00
05/21 05/21 INTEREST CHARGED ON BANK CASH ADVANCES 0.00
TOTAL INTEREST CHARGED FOR THIS PERIOD $106.74
Total fees charged in 2020
Total Interest charged in 2020
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Annual Promotional Promotional Promotional Balance Interest
Balance Percentage Transaction Offer ID Rate End Subject to Charges by
Rate Type Date : Interest Transaction
Rate Type
Purchases 13.99%V $ 1,967.70 S$ 22.63
Balance Transfers 13.99%V $ 7.31487 84.11
Direct Deposit and Check Cash 1699%V_ $ 0.00 6S 0.00
Advances —_—_—$—$—$—$—$—$——————————$ nr
Bank Cash Advances 24.99%V $ goo S$ 0.00
APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary)
Important Messages
You're a valued customer and we want you to know that we haven't received your current payment due. Please send your payment due
today. If you've already mailed it, thank you.
Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account, please make a payment to bring your
balance under the Total Credit Line. There Is no fee for being over your Total Credit Line.
When this statement was created, the account's Credit Line was in a restricted status and not avallable for use.
Please see important information entitled “Your Billing Rights” on the following pages.
Page 3of 6VLADIMIR GEORGE SCHEDRIN | Account + EMMI 4776 | April 22 - May 21, 2020
You may qualify for a payment deferral for your personal credit card or line of credit accounts, for future due dates on or before August 15,
2020. Making a minimum payment during this time will be optional. Interest charges or applicable fees will continue to accrue and be added
to your balance.
What you need to know
+ If you have already received assistance with your payments through a prior request, assistance will automatically be extended to
payment due dates through August 15, 2020.
+ To request assistance for the first time, please visit us online at our Client Resource Site at bankofamerica.com/HelpfulResources,
through your mobile device, ar by calling the number on this statement to request assistance through the automated phone service.
You can even specify each personal credit card or line of credit account you would like to enroll In the payment deferral perlod - now
through August 15, 2020. Le
If you no longer need assistance, please call us at the phone number that appears on your statement to request the removal of this account
from future deferrals.
+ Protect your account numbers by using Zelle*! or Bill Pay for digital payments,
+ Dorit abbreviate the year 2020. Scammers can easily manipulate It
OC « Never provide access codes to an unsolicited caller or through email or text
Know how to
prevent fraud For more Ups and Information, visit bankofamerica.com/Security.
* Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
: S8M401-20-2301.6 | 2880298
Poge 4 of 6VLADIMIR GEORGE SCHEDRIN | Account # MMMM 4776 | April 22 - May 21, 2020
Tulse cite
Pee Ut ee An ea Ce uc use Cet ie uM as cae
YOUR BILLING RIGHTS
Keep This Document For Future Use
This notice tells you about your rights and our responsibilities under the Falr Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
{f you think there Is an error on your staternent, write to us at:
Bank of America
P.O. Box 982234
El Paso, TX 79998-2234
In your letter, give us the following information:
* Account Information: Your name and account number.
* Dollar amount: The dollar amount of the suspected error.
« Description of problem: If you think there Is an error on your bill, describe what you belleve ts wrong and why you believe it
is a mistake.
You must contact us:
« Within 60 days after the error appeared on your statement.
© Atleast 3 business days before an automated payment Is scheduled, If you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us, but If you do we are not required to investigate any potential errors
and you may have to pay the amount in question.
Note: It is very helpful if your letter includes the transaction date and the reference number for the charge, if available.
will en After We Recel ‘our Letter
When we receive your letter, we must do two things: ‘
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you If we have already corrected
the error.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.
While we Investigate whether or not there has been an error:
«We cannot try to collect the amount in question, or report you as delinquent on that amount.
«The charge In question may remain on your statement, and we may continue to charge you Interest on that ammount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpald amount against your Total Credit Line.
After we finish our Investigation, one of two things will happen: ,
«Ewe determine there was a mistake: You will not have to pay the amount in question or any Interest or other fees related to that
amount.
«if. we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will
send you a statement of the amount you owe and the date payment Is due. We may then report you as delinquent, including to credit ~
reporting agencies, If you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If
you do so, we cannot report you as delinquent ‘without also reporting that you are questioning your bill. We must tell you the name of
anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried In good faith to correct
the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
Page S of 6VLADIMIR GEORGE SCHEORIN | Account # MMMM 4776 | April 22 - May 21. 2020
1. The purchase must have been made in your home state ér within 100 miles of your current mailing address, and the purchase price
must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to
you, or If we own the company that sold you the goods or services.) :
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses
your credit card account do not qualify. .
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Bank of America
P.O. Box 982234 ‘
El Paso, TX 79998-2234 +
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our
decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.
©2020 Bank of America Corporation. All rights reserved.
Page 6 of 6BawkAmericard
VLADIMIR GEORGE SCHEDRIN
171 OLD FARMS RD
TORRINGTON CT 06790-2240
Account Summary
Previous Balance $8,410.57
Payments and Other Credits $200.00
Purchases and Adjustments $1800
Fees Charged $0.00
Interest Charged $108.82
New Balance Total $8,337.39
Total Credit Line $8,500.00
Total Credit Available $162.61
Cash Credit Line $2,550.00
Portion of Credit Available
for Cash $162.61
Statement Closing Date 10/21/2019
Days in Billing Cycle : 30
BANK OF AMERICA
Customer Service Infarmation:
www.bankofamerica.com
1.800.421.2110
TTY: 1.8003463178
Mall billing inquiries to:
Bank of America
P.O, Box 982234
El Paso TX 79998-2234
Mail payment to:
Bank of America
P.O. Box 15019
Wilmington DE 19886-5019
i
s
N
September 22 - October 21, 2019
Accounts AM 4776
Payment Information
New Balance Total $8337.39
Current Payment Due $191.00
SSF
Total Minimurn Payment Due $191.00
Payment Due Date 1118/2019
Late Payment Warning: If we do not receive your Total Minimum
Payment by the date listed above, you may have to pay a late fee of up to
$39.00.
Total Minimum Payment Warning: If you make only the Total Minimum
Payment each perlod, you will pay more in interest and It will take you
$18,328.00
Minimum Payment
$292.00
36 months $10,512.00
(Savings = $7,816.00)
If you would like Information about credit counseling services, call
866.300.5238.
2s |S
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON DE 19886-5019
“VLADIMIR GEORGE SCHEDRIN
171 OLD FARMS RD
TORRINGTON CT 06780-2240
Account Number: MEN 4776
——$—$—$_$ $$
New Balance Total $8,337.39
Total Minimum Payment Due $191.00
Payment Due Date 11/18/2019
Enter payment amount
For change of address/phone number, sae reverse side.
‘Make your payment online at www. bankofemarica.com or
Mell this coupon elong with your check payable ta: Bank of AmericaVLADIMIR GEORGE SCHEORIN | Account # MMMM 4776 | September 22 - October 21, 2019
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
PAYING INTEREST - We will not charge interest on Purchases on the next
statement if you pay the New Balance Total in full by the Payment Due Date,
and you had pald in full by the previous Payment Due Date. We will begin
charging interest on Balance Transfers and Cash Advances on the transaction
date,
TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and
are compounded on a daily basis. To determine the Interest Charges, we ,
multiply each Balance Subject to Interest Rate by its applicable Dally Periodic
Rate and that result is multiplied by the number of days In the billing cycle. To
determine the total Interest Charge for the billing cycle, we add the Perlodic
Rate Interest Charges together. A Dally Periodic Rate is calculated by dividing
an Annual Percentage Rate by 365.
HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to
posted balances. If your account has balances with different APRs, we will
allocate the amount of your payment equal to the Total Minimum Payment Oue
to the lowest.APR balances first (including transactions made after this
statement). Payment amounts in excess of your Total Minimum Payment Due
will be applied to balances with higher APRs before balances with lower APRs.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When
using the optional Pay-by-Phone service, you authorize us to initiate an
electronic payment fram your account at the financial institution you designate.
You must authorize the amount and timing of each payment. For your
protection, we will ask for security information. A fee may apply for expedited
service. To cancel, call us before the scheduled payment date, Same-day
payments cannot be edited or canceled.
YOUR CREDIT LINES - The Total Credit Line is the amount of credit
available for the account; however, only a portion of that is available for Bank
Cash Advances. The Cash Credit Line is that amount you have available for
Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash
Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash
Advances, Overdraft Protection Cash Advances, Cash Equivalents, and
applicable transaction fees.
MISCELLANEOUS - Promotional Rate End Date: This date is based on a
future statement closing date. If you change your payment due date, this date
could change. The New Balance Total which appears on this statement Is not a
payoff amount and may be subject to adcitional interest charges when you pay
in full after your statement closing date. Please contact the customer service
number located on the front of this statement For a pay-off amount. Virtual
cards are the digital form of your eligible physical credit cards stored within a
digital wallet.
© 2019 Bank of America Corporation
(004 - 000 - 000-6
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Daily Balance Methad (including new Purchases}: We calculate
separate Balances Subject to an Interest Rate for Purchases and for each
Introductory or Promotional Offer balance consisting of Purchases. We do this
by. (1) calculating a dally balance for each day in the billing cycle; (2) adding alt
the daily balances together; and (3) dividing the sum of the daily balances by
the number of days in the billing cycle.
To calculate the daily balance for each day in this statement’s billing cycle, we:
(1) take the beginning balance; (2) add an amount equal to the applicable Daily
Periodic Rate multiplied by the previous day's daily balance; (3) add new
Purchases, new Account Fees, and new Transaction Fees; and (4) subtract
applicable payments and credits. If any daily balance is less than zero we treat
it as zero.
‘Average Balance Method (including new Balance Transfers and new Cash
Advances); We calculate separate Balances Subject to an Interest Rate for
Balance Transfers, Cash Advances, and for each introductory or Promotional
Offer balance consisting of Balance Transfers or Cash Advances. We do this by:
{1) calculating a daily balance for each day In this statement’s billing cycle: (2)
calculating a daily balance for each day prior to this statement's billing cycle
that had a “Pre-Cycle balance* - a Pre-Cycle balance is a Balance Transfer or a
Cash Advance with a transaction date prior to this statement's billing cycle but
with a posting date within this statement's billing cycle: (3) adding all the daily
balances together: and (4) dividing the sum of the daily balances by the number
of days in this statement’s billing cycle.
To calculate the daily balance for each day In this statements billing cycle, we:
{1) take the beginning balance; (2} add an amount equal to the applicable Dally
Periodic Rate multiplied by the previous day's daily balance; (3) add new
Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract
applicable payments and credits. If any dally balance is less than zero we treat
it as zero.
To calculate a daily balance for each day prior to this statement's billing cycle
that had a Pre-Cycle balance: (1) we take the beginning balance attributable
solely to Pre-Cycle balance (which will be zero on the transaction date of the
first Pre-Cycle balance); (2) add an amount equal to the applicable Daily
Periodic Rate multiplied by the previous day's dally balance; (3) and add only
the applicable Pre-Cycle balances and their related Transaction Fees. We
exclude from this calculation all transactions posted in previous billing cycles.
For the complete terms and conditions of your account, consult your Cre:
Card Agreement. This account is issued and administered by Bank of America.
Bank of America Is a registered trademark of Bank of America Corporation.
PAYMENTS - we credit mailed payments as of the date recelved, If the payment is: (1) received by 5 p.m. local time at the address shown on the remittance portion ‘of your
monthly statement; (2) pald with 2 check drawn in US. dollars on a USS. financial institution or a U.S. dollar money order; and (3) sent In the return envelope with only the remittance
portion of your staternent accompanying it. Payments received by mall after 5 p.m. local time at the
meet the above requirements, will be credited as of the next day. Payments made online or by phone will be credited as of the date of re
remittance address on any day Induding the Payment Oue Date, but that otherwise
ceipt if made by 5 pm. Central. Credit for any
other payments may be delayed up to five days. Cash payments made with aur tellers or ATM with Teller Assist (ATA) will only be accepted with a valid identification (1D).
‘No payment shall operate as an accord and satisfaction without the prior waltten approval of one of our Senior Officers.
We process most payment checks electronically by using the Information found on your check Each check autharizes us to create a one-time electranic funds transfer (or process it as 2
check or paper draft), Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you.
If you have authorlzed us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you Ulnk s wrong, To stop
payment, your letter must reach us at least three business days before the automatic payment Is Scheduled to occur.
Change of Address/Phone number: Online at www.bankofamerica.com
Please do not add any written communication In this space.VLADIMIR GEORGE SCHEORIN | Account # MMMM 4776 | September 22 - October 21, 2019
Transactions
Transaction Posting . Reference Account
Date Date Description Number Number Amount Total
Payments and Other Credits
10/12 1ON2 PMT FROM BILL PAYER SERVICE * 0566 4776 200.00
TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD $200.00
Purchases and Adjustments -
09/28 09/30 BYS FUEL #9315 TORRINGTON CT 5790 4776 18.00
TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $18.00
Interest Charged
10/21 10/21 INTEREST CHARGED ON PURCHASES 20.51
10/21 10/21 INTEREST CHARGED ON BALANCE TRANSFERS 6831
10/21 10/21 INTEREST CHARGED ON DIR DEP&CHK CASHADV 00
10/21 10/21 INTEREST CHARGED ON BANK CASH ADVANCES 0.00
TOTAL INTEREST CHARGED FOR THIS PERIOD $108.82
Serger St
Total fees charged in 2019
Total interest charged in 2019 $1,114.38
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Annual Promotional Promotional Promotional Balance Interest
Balance Percentage Transaction Offer 1D Rate End Subject to Charges by
Rate Type . Date Interest Transaction
Rate Type
Purchases 15.74%V $ 1,585.13 $ 20.51
Balance Transfers 15.74%V $ 6,825.91 $ 8831
Direct Deposit and Check Cash 1874%V $ 0.00 $ 0.00
Advances
Bank Cash Advances 26.74%V $ 0.00 $ 0.00
APR Type Definitions Daily Interest Rate Type: V+ Variable Rate (rate may vary)
Page 3 of 4VLADIMIR GEORGE SCHEDRIN | Account # MMMMMMNMMRG 4776 | September 22 - October 21, 2019
This page intentionally left blank
Page 4 of 41393963
NOTICE OF JUDGMENT Instructions to Clerk STATE OF CONNECTICUT ag!
Mail a copy of this notice and order to plaintiff/plaintiff's SUPERIOR COURT ‘aye
AND ORDER FOR attorney and keep the original in the court fil. www
WEEKLY PAYMENTS °y and keep the origi je court fe. .jud.ct.gov
JD-CV-50 Rev. 9-09 Instructions to Plaintiff/Plaintiff's Attorney Court Use Only a
P.B. § 17-23 et seq. 1. Complete Section |.
2. Complete "Payable to" line in Section Il by filling in the name RETJGOR
and address of the person who is to receive payments. LUAATATT AMET AEE
3. After notification of judgment send a copy of this notice to the
Defendant(s) and return the original to Clerk's Office with the Docket number
certification below completed (Section I). LL-CV21-6028410-8
Section | (To be completed by Plaintiff/Plaintiff's Attorney)
Geographic Address of court (Number, street, town, and zip code)
Judicial Housing Area
istrict L_] session Number 50 FIELD STREET TORRINGTON, CT 06790
Name of case (Plaintiff v. Defendant)
BANK OF AMERICA, N.A. v. VLADIMIR GEORGE SCHEDRIN
Name(s) of Defendant's who must pay the judgment
VLADIMIR GEORGE SCHEDRIN
Section II - Notice To All Parties (To be completed by clerk)
The following judgment may be enforced 21 (twenty-one) days after the clerk receives a
certification that a copy of this notice was served on each judgment debtor (defendant).
Judgment
After reviewing the affidavits filed in this matter, the court finds that the defendant(s) named above is/are not in the military
or naval service and that the following are owed to the Plaintiff(s):
1, Amount Due On Claims............ 9,337.86
2. Interest... 0.6.60. ee eee
3. Reasonable Attorney's Fees.........
4. Other Lawful Charges..............
$9,337.86
5. Total Amount Of Judgment ..........
(Total of lines 1-4)
6. Plaintiff's Costs $425.00
7. Total Amount Of Judgment And Costs $9,762.86)
(Total of lines 5 and 6)
Judgment is rendered for the Plaintiff(s) and the Defendant(s) named above must pay the Total Amount of Judgment and costs
to the Plaintiff(s). It is also ordered that the Defendant(s) who must pay the judgment must make weekly payments as follows:
Amount of weekly payment | Date first payment is due
MN
ee
Payable to (Name and address of person who is to recelve payments)
RUBIN & ROTHMAN, LLC 1787 VETERANS MEMORIAL HIGHWAY SUITE 32 ISLANDIA, NY 11749
By the Court (Name of Judge) Signed (Judge/Assistant clerk)
Date signed
—___|
Section Ill - Certification Of Service Of Notice And Judgment To All Parties
| certify that a copy of this Notice and Judgment has been delivered or mailed by U.S. Mail, to the Defendants named below and that | paid
the postage for that mailing. (Enter name(s) and address(es) of Defendant(s):
VLADIMIR GEORGE SCHEDRIN 171 OLD FARMS RD TORRINGTON, CT 08790-2240
‘Signed (Plaintif/Attorney for Plaintiff) Date signed Date deliveredimailed
Preview
1393963 MOTION FOR DEFAULT FOR STATE OF CONNECTICUT JOURT USE ONLY “| FAILURE TO APPEAR, JUDGMENT SUPERIOR COURT AND ORDER FOR WEEKLY PAYMENTS www.jud.ct.gov AA {ALU JD-CV-49 Rev. 8-99 INSTRUCTIONS TO PLAINTIFF/PLAINTIFF*S ATTORNEY RETURN DATE P.B. §§ 17-25, et seq. Complete this Motion and an Affidavit of Debt (JD-CV-52) and send original of each| 7/43/2021 to the Clerk's Office and one copy of each to all defendants. Complete section | of the Notice of Judgment and Order for Weekly Payments (JD-CV-50) and file in| DOCKET NO. TO: The Superior Court duplicate with the Clerk's Office. LLLCV21-6028410-8 ‘Judicial Housing ADDRESS OF COURT (No,, street, town and zip code) District ] session L] G.A.No. 50 FIELD STREET TORRINGTON, CT 06790 NAME OF CASE (Plaintiff v. Defendant) BANK OF AMERICA, N.A. v. VLADIMIR GEORGE SCHEDRIN NAME(S) OF ALL DEFENDANT(S) AGAINST WHOM MOTION IS FILED VLADIMIR GEORGE SCHEDRIN [EMOTION FOR DEFAULT FOR FAILURE 1 In the above entitled action, the Plaintiff(s) respectfully represent(s) that the Defendant(s) named above has (have) failed to file an appearance within two days after the return date. The Plaintiff(s) therefore request(s) that a default be entered against the Defendant(s) for failure to appear and that the Court enter judgment after default in favor of the Plaintiff(s) in accordance with the Affidavit of Debt attached. ("X" one of the following) The Plaintifi(s) also request(s) that an order for _[X] NOMINAL ] REASONABLE 35.00 weekly payments be entered. WAME.OE PERSON SIGNING MOTION ADDI RUBIN 2 ROTHMAN, LLC 1787 VETERANS MEMORIAL HIGHWAY SUITE 32 ISLANDIA, NY ADAM. OLsHAN, ESQIMBERLY PETERSON, ESQ/JOSHUA EGLER, SIGNED PLAINTIFF DATE SIGNED ATTORNEY ayo 17 2021 The ve undersigned, being duly sworn, n, deposes and says that: ("X” one of the following) the undersigned is unable to determine whether or not the Defendant(s) in this action are in the military or naval service of the United States. no Defendant in this action is in the military or naval service of the United States, and that, to the personal knowledge of xX the undersigned (state facts showing defendant is not in such service): SEE ATTACHED THIS COMMUNICATION IS FROM A DEBT COLLECTOR. JOANNE KLEMBA NOTARY PUBLIC MY COMMISSION EXPIRES JAN. 31, 202: AD ) PRINT NAME AND, IF APPLICABLE, TITLE, OF AFFIANT —_. [DATE SIGNED VN ‘ Se NgWV Aa a0 AGC cle vera Aug 17 2001 : SIGNED (Comm. of Sup. Courvotary) DATE SIGNED Subscribed and sworn to before me: aug 17 1 a2 FICATION vice This is to certify that copies of the above Motion, Miltary Service Affidavit, Affidavit of Debt, and Plaintiff's Bill of Costs were delivered/mailed via U.S. Mail, postage prepaid on (date): ¥-17-20a) to the following Defendants: (Enter name(s) and address(es) of Defendant(s). VLADIMIR GEORGE SCHEDRIN 171 OLD FARMS RD TORRINGTON, CT 06790-2240 [_] PLAINTIFF FOR COURT USE ONLY X] ATTORNEY FOR PLAINTIFF(S) SIGNED x DATE SIGNED AUG 17 2021Department of Defense Manpower Data Center Status Report Pursuant to Servicemembers Civil Relief Act Resuits as of : Aug-17-2021 06:53:15 AM SCRA 59 SSN: Birth Date: Last Name: SCHEDRIN First Name: VLADIMIR Middle Name: GEORGE Status As Of: Aug-17-2021 Certificate ID: LT3RF8SQWVGZOJ1 © On Active Duty On Active Dee Date ‘Active Duty Start Date: Active Duty End Date ‘Status ‘Service Component, NA NAS ‘ Rec NA “Tis response relict the InciviJal’ active Guy-stalue based on the Active Duly Slatys Dale Lett Active Duty Within 367 Days of Active’ Day Sae Date: Active Duty Start Date. ‘Active Duty End Date: Status. ‘Service Component NA bo NA ate , No He NA ‘This response rellects whate the individual let active dufy-stalis wahin 367 days preceding the Active Quty Status Date le “oo giro Hee Unt Woe Ned at Fore Gab Up atie By on Ale Duly Sta Bata ‘Order Notitication Start Date ‘Order Notiication End Date’ 2 Stas Service Component NA NA = afer No. NA This response reflects whether the individual or his/fer unit has received eaily nolificaln to report for active duly Upon searching the data banks of the Department of Defense Manpower Data ‘Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Wek Foresite Michael V. Sorrento, Director Department of Defense - Manpower Data Center 400 Gigling Rd. Seaside, CA 93955The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors’ Civil Relief Act of 1940). DMDC has issued hundreds of thousands of “does not possess any information indicating that the individual is currently on active duty” responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact information can be found on the SCRA website's FAQ page (Q35) via this URL: hitps:/scra.dmde.osd.mil/scra/#/faqs. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available, In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website cerlification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actuaily begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided.ag ADAV OF DEBT RE: MOTION FOR DEFAULT FOR FAILURE TO APPEAR, STATE OF CONNECTICUT WEEKLY PAYMENTS see UAL WEEKLY PAYMENTS INSTRUCTIONS ps. 2 Rev. 599 1. Complete this affidavit and send original with your compieted Motion for Default to Appear, Judgment and Order for B. Weekly Payments (JD-CV- 49) and Notice of Judgment and Order of Payments (JD-CV-50) to the Clerk's Office. 2, Attach a copy of the contract, lease or other document, applicable, to the completed affidavit. 3. Ifinterest is being claimed, the period covered and the rate claimed must be stated. 4. If claiming attorney's fees, a copy of the agreement must be attached. 5. Send one copy of the completed Affidavit and Motion to each defendant. RETURN DATE 11312024 . . DOCKET NO. TO: The Superior Court LLLeV21.6028410-8 COURT yniciat HOUSING GA. ADDRESS OF COURT (No., street, town, and zip code) DISTRICT session _L_] no. 50 FIELD STREET TORRINGTON, CT 06790 NAME OF CASE (Plaintiff v. Defendant) BANK OF AMERICA, N.A. v. VLADIMIR GEORGE SCHEDRIN NAME(S) OF (ALL) DEFENDANT(S) AGAINST WHOM MOTION IS FILED VLADIMIR GEORGE SCHEDRIN E : a Zi The undersigned deposes and says that (s)he is the Plaintiff or X] (title) ATTORNEY of the Plaintiff and is familiar with the facts stated below. The Defendant(s) is/are indebted to the Plaintiff(s) as follows: SEE ATTACHED AFFIDAVIT OF DEBT, EXECUTED BY BANK OF AMERICA, NA ATTACHED HERETO AND MADE A PART HEREOF. THE COPIES ATTACHED ARE TRUE COPIES OF THE ORIGINALS. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. JOANNE KLEMBA NOTARY PUBLIC MY COMMISSION EXPIRES JAN. 3 2 IX] Continuation of Hig eiaet of debt is attached and made a part hereof. (A) SIGNED (Affiant) PRINT NAME OFA‘ \NT ‘ADAM J. OLSHAN, ES‘ IMBERLY PETERSON, ESQ./JOSHUA C. EGLER, ESQ. v ‘SIGNED (Comm. of Sup. CourkNotary) 3 DATE SIGNED, Subscribed and sworn to before me: -(J- [Yin lenbe S72LITCHFIELD JUDICIAL DISTRICT AT TORRINGTON BANK OF AMERICA, N.A. Plaintiff, -against- VLADIMIR GEORGE SCHEDRIN Defendant. COVER SHEET TO BE ATTACHED AFFIDAVIT OF MERIT LARA ET 000006095079 Our File No. 1393963 Index No. LLI-CV21-6028410-SAFFIDAVIT The undersigned, being duly sworn, states that: 1 tam over 19 years old and competent to make this Affidavit. |am employed by Bank of America, N.A. as an officer of the bank and am duly authorized to make this Affidavit. Bank of America, N.A. isa wholly-owned subsidiary of Bank of America Corporation and the successor-in-interest to FIA Card Services, N.A., formerly known as MBNA America Bank, N.A. (“FIA”). FIA was merged into and under the charter and title of Bank of America, N.A. effective October 1, 2014. FIA and Bank of America, N.A. are collectively referred to herein as “BANA”. 2. 1am familiar with and have personal knowledge of the manner and method by which BANA maintains its normal business books and records, including computer records, and the methods by which such records are made. These books and records are kept by BANA in the course of regularly conducted business activity. It is BANA’s regular practice to make such books and records and these books and records are made: (i) at or near the time the events they purport to describe occurred, by or from information transmitted by a person with knowledge of the acts and events and a business duty to report, or (ii) by a computer or other similar digital means, which contemporaneously and reliably records an event as it occurs. The contents of this Affidavit related to the Defendant's account are true and correct based upon my personal knowledge of the record keeping systems under which BANA maintains its business books and records. 3. The books and records of BANA show that Defendant, VLADIMIR GEORGE SCHEDRIN, obtained an account with BANA or a predecessor in interest for the purpose of obtaining an extension of credit (the “Account”) and thereafter used or authorized the use of the Account for the acquisition of goods, services, balance transfers or cash advances in accordance with the customer agreement (“Agreement”) governing use of the Account. Defendant breached the Agreement by failing to make periodic payments as required thereby. 4. The account was opened on 07/26/2017. Defendant's current Account number is XXXXXXXXXXXX4776. As of the execution date of this Affidavit, Defendant is indebted to BANA on the Account for $9337.86, which includes pre-charge-off interest allowed under the Agreement. The Account charged-off on 05/30/2020. The last payment posted to the Account on or about 10/12/2019. The Account is not accruing post charge-off interest and all payments and credits have been applied. 5. In accordance with federal regulations, monthly periodic statements reflecting the amount due on the Account have been provided to the Defendant. Attached hereto is a true and correct copy of (1) the last periodic statement provided to Defendant prior to charge-off of the Account (the "Last Statement") and (2) the most recent pre-charge-off periodic statement that reflects a purchase transaction, service billed, payment (including a payment that later returned as unsuccessful whether due to insufficient funds or otherwise), or balance transfer. If only one periodic statement (the Last Statement) is attached, then the most recent pre-charge-off activity on the Account (as described above) appears on the Last Statement. Based on BANA’s records, there are no unresolved billing disputes regarding the Account. I declare under the penalty of perjury that the foregoing Is true and correct and if called as a witness | would competently testify, under oath, thereto. JUL 2.0 2021 to-~ tr—~ as om Destane Williams ’ icer DATE AFFIANT SIGNATURE AFFIANT NAME ' State of: NORTH CAROLINA County of: GUILFORD SIGNED and sworn to (or affirmed) before me, the undersigned Notary Public in and for the jurisdiction aforesaid, by JL 2.0 2021 oni, Destane Williams, on this day, : . ", oye. KeENA, in s ANSSION Zoe C re NSSION Ee Notary Public My Commission Expires: MAR 2 4 2026 \D: 606757407702BANK OF AMERICA “7 P.O, BOX 15264 WILMINGTON, OE 19850 VLADIMIR GEORGE SCHEDRIN 171 OLD FARMS RO TORRINGTON CT 06790-2240 Account Summary Previous Balance , $9,231.12 Payments and Other Credits $0.00 Purchases and Adjustments $0.00 Fees Charged $0.00 Interest Charged $106.74 New Balance Total $9,337.86 Total Credit Line $8,500.00 Total Credit Available $0.00 Cash Credit Line $2,550.00 Portion of Credit Available for Cash $0.00 Statement Closing Date 05/21/2020 Days in Billing Cycle 30 Customer Service Information: www.bankofamerica.com 1.800.421.2110 TTY: 1.8003463178 Mail billing inquiries to: Bank of America P.O. Box 982234 El Paso TX 79998-2234 Mall payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 il 22 - May 21, 2020 account 4776 Payment Information New Balance Total $9,337.86 Current Payment Due $199.00 Past Due Amount $1,605.00 Total Minimum Payment Due $1,804.00 06/18/2020 Payment Due Date Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $39.00. Total Minimum Payment Warning: If you make only the Total Minimum Payment each perlod, you will pay more in Interest and It will take you longer to 2 pay off your balance. For example: Tey $17,448.00 Only the Total Minimum Payment. If you would like Information about credit counseling services, call 866.300.5238. 2 EE BANK OF AMERICA P.O. BOX 15019 WILMINGTON DE 19886-5019. VLADIMIR GEORGE SCHEDRIN 171 OLD FARMS RD TORRINGTON CT 06790-2240 Account Number: RNS 4776 ——_$—_—_—_$_ New Balance Total $9,337.86 Total Minimum Payment Due. + $1,804.00 Payment Due Date 06/18/2020 Enter payment amount For change of address/phone number, see reverse side. ‘Make your payment online at www.bankofemerica.com or Mail this caupon along with your check peyable to: Bank of AmericaVLADIMIR GEORGE SCHEORIN | Account + IMM 4776 | April 22 - May 21, 2020 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Oue Date, and you had pald in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and are compounded on a dally basis. To determine the Interest Charges, we multiply each Balance Subject to interest Rate by its applicable Dally Perladic Rate and that result Is multiplied by the number of days in the billing cycle. To determine the total Interest Charge for the billing cycle, we add the Periodic Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing an Annual Percentage Rate by 365. HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balancés. {f your account has balances with different APRs, we will allocate the amaunt of your payment equal to the Total Minimum Payment Due to the lowest APR balances first {including transactions made after this statement). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When using the optional Pay-by-Phone service, you authorize us to initiate an electronic payment from your account at the financial institution you designate. You must authorize the amount and timing of each payment. For your protection, we will ask for security information. A fee may apply for expedited service. To cancel, call us before the scheduled payment date. Same-day payments cannot be edited or canceled. YOUR CREDIT LINES - The Total Credit Line is the amount of credit available for the account; however, only a portion of that is available for Bank Cash Advances. The Cash Credit Line is that amount you have available for Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash Advances, Overdraft Protection Cash Advances, Cash Equivalents, and applicable transaction fees. MISCELLANEOUS - Promotional Rate End Date: This date is based on a future statement closing date. If you change your payment due date, this date could change. The New Balance Total which appears on this statement is not a payoff amount and may be subject to additional interest charges when you pay in full after your statemnent closing date. Please contact the customer service number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your ellgible physical credit cards stored within a digital wallet. © 2020 Bank of America Corporation (004 - 000-000 - 6 CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Average Dally Balance Method (including new Purchases): We calculate separate Balances Subject to an Interest Rate for Purchases and for each Introductory or Promotional Offer balance consisting of Purchases. We do this by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all the dally balances together; and (3) dividing the sum of the dally balances by the number of days in the billing cycle. To calculate the daily balance for each day in this statement's billing cycle, we: (1) take the beginning balance; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance; (3) add new Purchases, new Account Fees, and new Transaction Fees; and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat It as zero. Average Balance Method (including new Balance Transfers and new Cash Advances}: We calculate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each Introductory or Promotional Offer balance consisting of Balance Transfers or Cash Advances. We do this by: (1) calculating a dally balance for each day in this statement's billing cycle; (2) calculating a daily batance for each day prior to this statement's billing cycle that had a "Pre-Cycle balance” - a Pre-Cycle balance is a Balance Transfer or a Cash Advance with a transaction date prior ta this statements billing cycle but with a posting date within this statement's billing cycle; (3) adding all the daily balances together; and (4) dividing the sum of the daily balances by the number of days in this statement's billing cycle. To calculate the daily balance for each day in this statement's billing cycle, we: (1) take the beginning balance; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance; (3) add new Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract applicable payments and credits. If any daily balance is tess than zero we treat it as zero. To calculate a dally balance for each day prior to this statement's billing cycle that had a Pre-Cycle balance: (1) we take the beginning balance attributable solely to Pre-Cycle balance (which will be zero on the transaction date of the first Pre-Cycle balance); (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's dally:balance; (3) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. For the complete terms and conditions of your account, consult your Credit Card Agreement. This account Is issued and administered by Bank of America. Bank of America Is a registered trademark of Bank of America Corporation. PAYMENTS - We credit matled payments as of the date recelved, If the payment Is: (1) recelved by 5 p.m. local time at the address shawn on the remittance portion of your monthly statement; (2) pad with a check drawn in U.S. dollars on a U.S. financial instituton ar 2 U.S. dollar money order; and (3) sent in the return envelope with only the remigtance portion of your statement accompanying It Payments received by mail after § p.m. local {ime at the remittance address on any day including the Payment Oue Date, but that otherwise Peet the above requirements, will be credited as of the next day. Payments made online or by phone will be credited as of the date of receipt if made by 5 pm. Central. Credit for any ‘other payments may be delayed up to five days. Cash payments fnade with our tellers or ATM with Teller Assist (ATA) will only be accep! ted with a valid identification (10). No payment shall operate as an accord and satisfaction without the prior written approval of one of our Senior Officers, We process most payment checks electronically by using the Information found on your check. Each check authorizes us to create a one-time electronic funds transfer (or process It as a check or paper draft). Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you. If yo shave authorized us to pay your creditcard ill automatically from your savings or checking account with us, ou can stop the payment on any amount you thnk s wrong. To stap payment, your letter must reach us at least three business days before the automatic payment Is scheduled to occur. Change of Address/Phone number: Online at www.bankofamerica.com Please do not add any written communication In this space. ABVLADIMIR GEORGE SCHEORIN | Account # MMIII 4776 | April 22 - May 21, 2020 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Interest Charged 05/21 05/21 INTEREST CHARGED ON PURCHASES 22.63 05/21 05/21 INTEREST CHARGED ON BALANCE TRANSFERS: 84.11 05/21 05/21 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 05/21 05/21 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $106.74 Total fees charged in 2020 Total Interest charged in 2020 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Promotional Promotional Promotional Balance Interest Balance Percentage Transaction Offer ID Rate End Subject to Charges by Rate Type Date : Interest Transaction Rate Type Purchases 13.99%V $ 1,967.70 S$ 22.63 Balance Transfers 13.99%V $ 7.31487 84.11 Direct Deposit and Check Cash 1699%V_ $ 0.00 6S 0.00 Advances —_—_—$—$—$—$—$—$——————————$ nr Bank Cash Advances 24.99%V $ goo S$ 0.00 APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary) Important Messages You're a valued customer and we want you to know that we haven't received your current payment due. Please send your payment due today. If you've already mailed it, thank you. Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account, please make a payment to bring your balance under the Total Credit Line. There Is no fee for being over your Total Credit Line. When this statement was created, the account's Credit Line was in a restricted status and not avallable for use. Please see important information entitled “Your Billing Rights” on the following pages. Page 3of 6VLADIMIR GEORGE SCHEDRIN | Account + EMMI 4776 | April 22 - May 21, 2020 You may qualify for a payment deferral for your personal credit card or line of credit accounts, for future due dates on or before August 15, 2020. Making a minimum payment during this time will be optional. Interest charges or applicable fees will continue to accrue and be added to your balance. What you need to know + If you have already received assistance with your payments through a prior request, assistance will automatically be extended to payment due dates through August 15, 2020. + To request assistance for the first time, please visit us online at our Client Resource Site at bankofamerica.com/HelpfulResources, through your mobile device, ar by calling the number on this statement to request assistance through the automated phone service. You can even specify each personal credit card or line of credit account you would like to enroll In the payment deferral perlod - now through August 15, 2020. Le If you no longer need assistance, please call us at the phone number that appears on your statement to request the removal of this account from future deferrals. + Protect your account numbers by using Zelle*! or Bill Pay for digital payments, + Dorit abbreviate the year 2020. Scammers can easily manipulate It OC « Never provide access codes to an unsolicited caller or through email or text Know how to prevent fraud For more Ups and Information, visit bankofamerica.com/Security. * Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. : S8M401-20-2301.6 | 2880298 Poge 4 of 6VLADIMIR GEORGE SCHEDRIN | Account # MMMM 4776 | April 22 - May 21, 2020 Tulse cite Pee Ut ee An ea Ce uc use Cet ie uM as cae YOUR BILLING RIGHTS Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Falr Credit Billing Act. What To Do If You Find A Mistake On Your Statement {f you think there Is an error on your staternent, write to us at: Bank of America P.O. Box 982234 El Paso, TX 79998-2234 In your letter, give us the following information: * Account Information: Your name and account number. * Dollar amount: The dollar amount of the suspected error. « Description of problem: If you think there Is an error on your bill, describe what you belleve ts wrong and why you believe it is a mistake. You must contact us: « Within 60 days after the error appeared on your statement. © Atleast 3 business days before an automated payment Is scheduled, If you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but If you do we are not required to investigate any potential errors and you may have to pay the amount in question. Note: It is very helpful if your letter includes the transaction date and the reference number for the charge, if available. will en After We Recel ‘our Letter When we receive your letter, we must do two things: ‘ 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you If we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we Investigate whether or not there has been an error: «We cannot try to collect the amount in question, or report you as delinquent on that amount. «The charge In question may remain on your statement, and we may continue to charge you Interest on that ammount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpald amount against your Total Credit Line. After we finish our Investigation, one of two things will happen: , «Ewe determine there was a mistake: You will not have to pay the amount in question or any Interest or other fees related to that amount. «if. we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment Is due. We may then report you as delinquent, including to credit ~ reporting agencies, If you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent ‘without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried In good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: Page S of 6VLADIMIR GEORGE SCHEORIN | Account # MMMM 4776 | April 22 - May 21. 2020 1. The purchase must have been made in your home state ér within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or If we own the company that sold you the goods or services.) : 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. . 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Bank of America P.O. Box 982234 ‘ El Paso, TX 79998-2234 + While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. ©2020 Bank of America Corporation. All rights reserved. Page 6 of 6BawkAmericard VLADIMIR GEORGE SCHEDRIN 171 OLD FARMS RD TORRINGTON CT 06790-2240 Account Summary Previous Balance $8,410.57 Payments and Other Credits $200.00 Purchases and Adjustments $1800 Fees Charged $0.00 Interest Charged $108.82 New Balance Total $8,337.39 Total Credit Line $8,500.00 Total Credit Available $162.61 Cash Credit Line $2,550.00 Portion of Credit Available for Cash $162.61 Statement Closing Date 10/21/2019 Days in Billing Cycle : 30 BANK OF AMERICA Customer Service Infarmation: www.bankofamerica.com 1.800.421.2110 TTY: 1.8003463178 Mall billing inquiries to: Bank of America P.O, Box 982234 El Paso TX 79998-2234 Mail payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 i s N September 22 - October 21, 2019 Accounts AM 4776 Payment Information New Balance Total $8337.39 Current Payment Due $191.00 SSF Total Minimurn Payment Due $191.00 Payment Due Date 1118/2019 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $39.00. Total Minimum Payment Warning: If you make only the Total Minimum Payment each perlod, you will pay more in interest and It will take you $18,328.00 Minimum Payment $292.00 36 months $10,512.00 (Savings = $7,816.00) If you would like Information about credit counseling services, call 866.300.5238. 2s |S BANK OF AMERICA P.O. BOX 15019 WILMINGTON DE 19886-5019 “VLADIMIR GEORGE SCHEDRIN 171 OLD FARMS RD TORRINGTON CT 06780-2240 Account Number: MEN 4776 ——$—$—$_$ $$ New Balance Total $8,337.39 Total Minimum Payment Due $191.00 Payment Due Date 11/18/2019 Enter payment amount For change of address/phone number, sae reverse side. ‘Make your payment online at www. bankofemarica.com or Mell this coupon elong with your check payable ta: Bank of AmericaVLADIMIR GEORGE SCHEORIN | Account # MMMM 4776 | September 22 - October 21, 2019 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had pald in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date, TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and are compounded on a daily basis. To determine the Interest Charges, we , multiply each Balance Subject to Interest Rate by its applicable Dally Periodic Rate and that result is multiplied by the number of days In the billing cycle. To determine the total Interest Charge for the billing cycle, we add the Perlodic Rate Interest Charges together. A Dally Periodic Rate is calculated by dividing an Annual Percentage Rate by 365. HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Oue to the lowest.APR balances first (including transactions made after this statement). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When using the optional Pay-by-Phone service, you authorize us to initiate an electronic payment fram your account at the financial institution you designate. You must authorize the amount and timing of each payment. For your protection, we will ask for security information. A fee may apply for expedited service. To cancel, call us before the scheduled payment date, Same-day payments cannot be edited or canceled. YOUR CREDIT LINES - The Total Credit Line is the amount of credit available for the account; however, only a portion of that is available for Bank Cash Advances. The Cash Credit Line is that amount you have available for Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash Advances, Overdraft Protection Cash Advances, Cash Equivalents, and applicable transaction fees. MISCELLANEOUS - Promotional Rate End Date: This date is based on a future statement closing date. If you change your payment due date, this date could change. The New Balance Total which appears on this statement Is not a payoff amount and may be subject to adcitional interest charges when you pay in full after your statement closing date. Please contact the customer service number located on the front of this statement For a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. © 2019 Bank of America Corporation (004 - 000 - 000-6 CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Average Daily Balance Methad (including new Purchases}: We calculate separate Balances Subject to an Interest Rate for Purchases and for each Introductory or Promotional Offer balance consisting of Purchases. We do this by. (1) calculating a dally balance for each day in the billing cycle; (2) adding alt the daily balances together; and (3) dividing the sum of the daily balances by the number of days in the billing cycle. To calculate the daily balance for each day in this statement’s billing cycle, we: (1) take the beginning balance; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance; (3) add new Purchases, new Account Fees, and new Transaction Fees; and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. ‘Average Balance Method (including new Balance Transfers and new Cash Advances); We calculate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each introductory or Promotional Offer balance consisting of Balance Transfers or Cash Advances. We do this by: {1) calculating a daily balance for each day In this statement’s billing cycle: (2) calculating a daily balance for each day prior to this statement's billing cycle that had a “Pre-Cycle balance* - a Pre-Cycle balance is a Balance Transfer or a Cash Advance with a transaction date prior to this statement's billing cycle but with a posting date within this statement's billing cycle: (3) adding all the daily balances together: and (4) dividing the sum of the daily balances by the number of days in this statement’s billing cycle. To calculate the daily balance for each day In this statements billing cycle, we: {1) take the beginning balance; (2} add an amount equal to the applicable Dally Periodic Rate multiplied by the previous day's daily balance; (3) add new Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract applicable payments and credits. If any dally balance is less than zero we treat it as zero. To calculate a daily balance for each day prior to this statement's billing cycle that had a Pre-Cycle balance: (1) we take the beginning balance attributable solely to Pre-Cycle balance (which will be zero on the transaction date of the first Pre-Cycle balance); (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's dally balance; (3) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. For the complete terms and conditions of your account, consult your Cre: Card Agreement. This account is issued and administered by Bank of America. Bank of America Is a registered trademark of Bank of America Corporation. PAYMENTS - we credit mailed payments as of the date recelved, If the payment is: (1) received by 5 p.m. local time at the address shown on the remittance portion ‘of your monthly statement; (2) pald with 2 check drawn in US. dollars on a USS. financial institution or a U.S. dollar money order; and (3) sent In the return envelope with only the remittance portion of your staternent accompanying it. Payments received by mall after 5 p.m. local time at the meet the above requirements, will be credited as of the next day. Payments made online or by phone will be credited as of the date of re remittance address on any day Induding the Payment Oue Date, but that otherwise ceipt if made by 5 pm. Central. Credit for any other payments may be delayed up to five days. Cash payments made with aur tellers or ATM with Teller Assist (ATA) will only be accepted with a valid identification (1D). ‘No payment shall operate as an accord and satisfaction without the prior waltten approval of one of our Senior Officers. We process most payment checks electronically by using the Information found on your check Each check autharizes us to create a one-time electranic funds transfer (or process it as 2 check or paper draft), Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you. If you have authorlzed us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you Ulnk s wrong, To stop payment, your letter must reach us at least three business days before the automatic payment Is Scheduled to occur. Change of Address/Phone number: Online at www.bankofamerica.com Please do not add any written communication In this space.VLADIMIR GEORGE SCHEORIN | Account # MMMM 4776 | September 22 - October 21, 2019 Transactions Transaction Posting . Reference Account Date Date Description Number Number Amount Total Payments and Other Credits 10/12 1ON2 PMT FROM BILL PAYER SERVICE * 0566 4776 200.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD $200.00 Purchases and Adjustments - 09/28 09/30 BYS FUEL #9315 TORRINGTON CT 5790 4776 18.00 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $18.00 Interest Charged 10/21 10/21 INTEREST CHARGED ON PURCHASES 20.51 10/21 10/21 INTEREST CHARGED ON BALANCE TRANSFERS 6831 10/21 10/21 INTEREST CHARGED ON DIR DEP&CHK CASHADV 00 10/21 10/21 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $108.82 Serger St Total fees charged in 2019 Total interest charged in 2019 $1,114.38 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Promotional Promotional Promotional Balance Interest Balance Percentage Transaction Offer 1D Rate End Subject to Charges by Rate Type . Date Interest Transaction Rate Type Purchases 15.74%V $ 1,585.13 $ 20.51 Balance Transfers 15.74%V $ 6,825.91 $ 8831 Direct Deposit and Check Cash 1874%V $ 0.00 $ 0.00 Advances Bank Cash Advances 26.74%V $ 0.00 $ 0.00 APR Type Definitions Daily Interest Rate Type: V+ Variable Rate (rate may vary) Page 3 of 4VLADIMIR GEORGE SCHEDRIN | Account # MMMMMMNMMRG 4776 | September 22 - October 21, 2019 This page intentionally left blank Page 4 of 41393963 NOTICE OF JUDGMENT Instructions to Clerk STATE OF CONNECTICUT ag! Mail a copy of this notice and order to plaintiff/plaintiff's SUPERIOR COURT ‘aye AND ORDER FOR attorney and keep the original in the court fil. www WEEKLY PAYMENTS °y and keep the origi je court fe. .jud.ct.gov JD-CV-50 Rev. 9-09 Instructions to Plaintiff/Plaintiff's Attorney Court Use Only a P.B. § 17-23 et seq. 1. Complete Section |. 2. Complete "Payable to" line in Section Il by filling in the name RETJGOR and address of the person who is to receive payments. LUAATATT AMET AEE 3. After notification of judgment send a copy of this notice to the Defendant(s) and return the original to Clerk's Office with the Docket number certification below completed (Section I). LL-CV21-6028410-8 Section | (To be completed by Plaintiff/Plaintiff's Attorney) Geographic Address of court (Number, street, town, and zip code) Judicial Housing Area istrict L_] session Number 50 FIELD STREET TORRINGTON, CT 06790 Name of case (Plaintiff v. Defendant) BANK OF AMERICA, N.A. v. VLADIMIR GEORGE SCHEDRIN Name(s) of Defendant's who must pay the judgment VLADIMIR GEORGE SCHEDRIN Section II - Notice To All Parties (To be completed by clerk) The following judgment may be enforced 21 (twenty-one) days after the clerk receives a certification that a copy of this notice was served on each judgment debtor (defendant). Judgment After reviewing the affidavits filed in this matter, the court finds that the defendant(s) named above is/are not in the military or naval service and that the following are owed to the Plaintiff(s): 1, Amount Due On Claims............ 9,337.86 2. Interest... 0.6.60. ee eee 3. Reasonable Attorney's Fees......... 4. Other Lawful Charges.............. $9,337.86 5. Total Amount Of Judgment .......... (Total of lines 1-4) 6. Plaintiff's Costs $425.00 7. Total Amount Of Judgment And Costs $9,762.86) (Total of lines 5 and 6) Judgment is rendered for the Plaintiff(s) and the Defendant(s) named above must pay the Total Amount of Judgment and costs to the Plaintiff(s). It is also ordered that the Defendant(s) who must pay the judgment must make weekly payments as follows: Amount of weekly payment | Date first payment is due MN ee Payable to (Name and address of person who is to recelve payments) RUBIN & ROTHMAN, LLC 1787 VETERANS MEMORIAL HIGHWAY SUITE 32 ISLANDIA, NY 11749 By the Court (Name of Judge) Signed (Judge/Assistant clerk) Date signed —___| Section Ill - Certification Of Service Of Notice And Judgment To All Parties | certify that a copy of this Notice and Judgment has been delivered or mailed by U.S. Mail, to the Defendants named below and that | paid the postage for that mailing. (Enter name(s) and address(es) of Defendant(s): VLADIMIR GEORGE SCHEDRIN 171 OLD FARMS RD TORRINGTON, CT 08790-2240 ‘Signed (Plaintif/Attorney for Plaintiff) Date signed Date deliveredimailed