Preview
FILED: ROCKLAND COUNTY CLERK 07/23/2012 INDEX NO. 034293/2011
NYSCEF DOC. NO. 23 RECEIVED NYSCEF: 07/23/2012
shown on the front of tIns Contract to a new petma080t place of garaofr4 without notifyset
law, Currently you may. he required lii pay reasonable attasnejs fees up 1, 15% of the
usinwritingfirst. amount owed, plea court costs, it the mattar is referred to an attorney who is not cur
12. TOUR PROWSES *50111 INSUUNCE
You will keep to. Vehicle wonrat spent tUe.
salaried emplayes.
theft and mibon until all swiss doe us ate paid to Mime inuuenou coserap must be
21, ROTICES AID CHARGE OFAOORESS: Any ndoca we send you concerning title Constsact
atelictosy to saint ptetact your niterestend our niteredo at line bone of ansy isugl4 Van.
or your properly will be sent to your current mailing addreu shown in cur records
at greater tines, *5W00. The insurance
The tnswanee cannot be subiectto ada uctiblean, csncesning ttds Contractile can send Shy regular ma.). Any notice you send or deliver to cm
tonpayer ranlinepohcy The
mustoameunas ustinewnn y an mswancaconcerning this Contract most be in writing and be sent or delivered tat MIT Bank,
company quahfwd to do bimmese to 1aw Yath and
idenond to sail innitrance in the stabe
Instalment Loin Operations, One Fountain FIass,P.O. Box 767, Buttes, New York 14240.
where the Vehicle e pennaneridy gata01d. The insurance pokey must wouide usdeOn at least
22. NO NOTICE DR LOSS OF MGHTS
We can exercise any right against any person or
tOdays poet wiihea notice of any cance5aUo or redaction in ccwecaa On request. you sinai
property without Vasing any
1gM against you, the Yehfcle your property or envy offset
definer toe pokey ce ether evidssw of husimnus cowta to us. In the esesli of any lass or
prorenty belounng to you new or acuztwed by you in tine fuDge: To the extont permitted by
damigiothe Vehicle, you will m1medlsly udofy sam wnuay and flleapnef of toss edo the
applicable law, we can exercise Itie right without notifying you unless prohibited by
usurer Aonnayfilee pmo4dyexbehaitWubdurmbWensayapply applicable law. We can teeny of tine tells wiag without notifying you or letini any right
any sniwoiwe proceeda we racense be
as reofess toe Ynlode it, us our oponcu, it to
against you, line Vehicle. your racpenty or any other property betoniging to you new or
ecorceUraUp feuttog arid nue am not thee in Oetau* under th Contract Othenwiae. we wail
acquired by you in the futuiat (a) efue additional time lot tire rsaymeatal any amount
apply the cisoanci pmmodato reduce the unpaid bidance dun ‘a. Until all amounts payable
payable under Uris Condract reptiles of ttie number of times w
under this Contract are paid, you kranocablyaatlnorize cube make and ndte any damn to the presiounly did so and
ragardleasaf toe bnØ of any additional
niewepseuleusly ga* (b)ve up, fail In exercise
insurance and to sign twin nara to endorse amp check as other order payable In connection
with ittsuth isa check Inc any
any sew nod premium, at delay axeicteng any right against any pan orpwpestp
fad to prolact any Oslaihi
any properly, whdllwe by fabeng to maimalo any hnsurance, by failing to file any fInancing
13. 1151 OF WSS You WIll be bound by this Contact even it the Vehicle is kant, stolen,
damadnrdustroyed, tiatamesd, byfaliuurgtobe samsOn any Car ficated Title otto any other way.
14. OUR RIGHTS IF YOU PEAl YOUR PROSISIS ABOUT THE
CURtlY INTEREST,Fat esanhib, MIT Bust can nsa yrni under this ConRad whifan or heir (a) sue anyone
cleat (a) reposse and sells your vehicle. or (c) uses any money that inns been or is
VENtC1EORf$SUtAllCtlfyou6ilbelwepyewprnopayfheg1aea,taz niherns,
any
device
we may money you promised to depesl
IF YOU FAR TO REP YOUR PEOS1SES with Oy you or anyone else be pay unay amount payable underthis Contract hut
ABOUT REQUIRED IRSUSANCE WE MAT ADVAICE SORE? TO CITAIM INSURAJICE TO
notyot paid,
23, CHARGES AID GIVING UP OF #101415 ST US Na dnonpein this Contract cans be made
COVER LOSS OR OASAU TO THE litNacu. THE INSIJUNCI WE BUY FOR IOU COUlD BE
MUCH EEl EXPEMSM AND MAY PROVIDE LESS CQVL#AOS THU INSURANCE YOU
enceptm a wdongqned by isa Yea agreetocueprabe whir usto collect any obvious was
COULD BUT YOURSELF.
We can. tad we wighe base to. mainten any inaumace onpoirad
in oat copy of this Contract fbflgtd a
yea, the Vodide oransy ethvp.rpesty belenafng
bytllisCcotractht connection with yoer Vehicle if ycudo not maintainS, await din proteeb
toyouneworecatibyyoatlnttnefiatwecan be gtuenupbyusaxuptnna urIttogsignid
tnty air anlen m your VehdL You must pay us any amount we pay fr the inwuance end
bycu.
stndthatayetpaiobyythxofsthstpaslionweream 2L CLAIM FOE PAl WRE TO OITFJN IIISURAICE OR SEWHCE
O5TRACt It any amount
payable under this Contract We *15 send you a notice that
amount on which interest w is hod under this Contract heany inswwscevsetvlce contract and the inswatsce or setwoe
payuigtuat amount and thai tar4t1sin 10 dayslhethedete
you inane tisenoflee of cnnliactisnotqtitain.dtncaaiy mama, yoiaonlyclaimwlfi befrira refundofthatamosmt,
we sand you tine notice, (h) payh that aaweunf and the toloreatlo monthly instadowide each
25, COITIIIUED EFFECTIYEMES3. Hang paitref this Contract is determined by a cuwtbe he
of whek,oru whi ha I tine last, will be equal in ameost tile lasted whiclsd net
invilid, the .eat *15 remain hi effect.
nqunamat*otters,widbeolamnelleramoontandthenwninerofwhtohwlllbe
2L WHAT LAW APPLIE& Any legal questhin corcemxug this ConRad sat be decided in
equaitotoenuminerofenbthataatobecomedueainrdiedwesendyouthe beast applicable. federal law.
acmrdasvce with tire awof die Slate of New York and, In
notice at It) paynngttwt amount and the irteestin any other way we isifir, If you do nal pay
27.ASSISIISEIIT ST SIITEL Buyer chili net assign Ibis Contract.
that amcu* and die interest as provided In I’) f lisa preceding sentence, you must pay
thomasprovinhehi (bIas
olthatsentmwe.Anyanusun*wedoadusncewiilbesecwod
THERE ARE NO WARRANTIES IT SELLER, EXPRESSED OR IMPalED, IIICWD1IG THE
tsy tire Vehihe T any of our slofits stated to this paragraph an not pesmutted by law, wentot
WARRANTiES OF RERCIIAIITSHILITT AND FITNESS FOR A PARTICULAR PURPOSE,
have line diet dofdo mentioned. Our payments an your behalf nil net cure yasir failure In
UNtESS SELLER HAS CMI YOU A SEPARATE WRITTEN WARRANTY OR UNLESS SElLER
perform yost paouoisee us this Contract lIfTERS INTO A SERVICE CONTRACT WITH BUYER WITHIN SO OATS FROM THE OATEOF
15. DEFAULIt In this paragraph ‘You” means the Buyer, Corliignet and Co4wssin or any
TIlls CONTRACT.
use nat them You will he in “OafauW at the Contract if any one or more of tine firlkawing
things happeor NOTICE
ANY HOLDER Of THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO
a. Youdonotmalueanypaymenoon orbelaraitisdue and tine tostolmesdremsenunpaid
he mote than 10 ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT
I,. Voudonatineep any pretwue you made Vs titUs Contract. or
AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT
c Yew be not keep any promise you made in another Co,*act, Hots, Loan or Agreement
wdo$aUascrAswgiseeor HEREFO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY
THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE
d. You made wry imbue stHoment in the credit application hr this Contract at’ DEBTOR
HEREUNDER,
e. You cominilied any forgery usceanechea with unto Contract at
the face of this Contract has a Buyers Guide Window Sticker required by the
Buyers Guide Window Sticker. If the Vehicle which is described on
Federal Trade Commission Used Car Trade Regulation Rule, the followIng notice applies:
The information you see on the wundow form for this Vehicle is part of this Cosibict, Information on th, window form overrides any
contrary provisions in the contract of sate.
bOTaCEOP PROPOSED CREDIT INSIIRARCE
The nrgner of this Contract hereby take(s notice that Group Cinch liii Insurance oneerap at Group Credit Disab Insurance caveape or Group Credit bwolurutsy Unemphymant
Insurance ceverap will be applicable to Inn Contract ‘it so marked on the front of this Contract, and each such type of coverag, *11 be writhes by Ill, msu.wnca company named. This
insurance. suiciect to acceptance by tire hinter, covers only the yemen as penis signing lisa request let such iusurance. The amount of chirp is indlca Sr each type of Credit
Instance Ia be purchased. The term of insurance oIl commence as of else data the indebtedness is incunod alit *11 expIre after the term lndlc
Sub(act t* accesdance by tile
insurer and whim 30 days, there will bedallasred ha th
eddabtafs( e certificate of in
mote hilly descilbing the immance. lathe eventet prepayment all the andehednena,
areInedefklsurancedlsarpswlbemadewhendun.
I’4OT1CE SEE FRONT SlOE FOR IMPORTANT INFORMATION.
Preview
FILED: ROCKLAND COUNTY CLERK 07/23/2012 INDEX NO. 034293/2011 NYSCEF DOC. NO. 23 RECEIVED NYSCEF: 07/23/2012 shown on the front of tIns Contract to a new petma080t place of garaofr4 without notifyset law, Currently you may. he required lii pay reasonable attasnejs fees up 1, 15% of the usinwritingfirst. amount owed, plea court costs, it the mattar is referred to an attorney who is not cur 12. TOUR PROWSES *50111 INSUUNCE You will keep to. Vehicle wonrat spent tUe. salaried emplayes. theft and mibon until all swiss doe us ate paid to Mime inuuenou coserap must be 21, ROTICES AID CHARGE OFAOORESS: Any ndoca we send you concerning title Constsact atelictosy to saint ptetact your niterestend our niteredo at line bone of ansy isugl4 Van. or your properly will be sent to your current mailing addreu shown in cur records at greater tines, *5W00. The insurance The tnswanee cannot be subiectto ada uctiblean, csncesning ttds Contractile can send Shy regular ma.). Any notice you send or deliver to cm tonpayer ranlinepohcy The mustoameunas ustinewnn y an mswancaconcerning this Contract most be in writing and be sent or delivered tat MIT Bank, company quahfwd to do bimmese to 1aw Yath and idenond to sail innitrance in the stabe Instalment Loin Operations, One Fountain FIass,P.O. Box 767, Buttes, New York 14240. where the Vehicle e pennaneridy gata01d. The insurance pokey must wouide usdeOn at least 22. NO NOTICE DR LOSS OF MGHTS We can exercise any right against any person or tOdays poet wiihea notice of any cance5aUo or redaction in ccwecaa On request. you sinai property without Vasing any 1gM against you, the Yehfcle your property or envy offset definer toe pokey ce ether evidssw of husimnus cowta to us. In the esesli of any lass or prorenty belounng to you new or acuztwed by you in tine fuDge: To the extont permitted by damigiothe Vehicle, you will m1medlsly udofy sam wnuay and flleapnef of toss edo the applicable law, we can exercise Itie right without notifying you unless prohibited by usurer Aonnayfilee pmo4dyexbehaitWubdurmbWensayapply applicable law. We can teeny of tine tells wiag without notifying you or letini any right any sniwoiwe proceeda we racense be as reofess toe Ynlode it, us our oponcu, it to against you, line Vehicle. your racpenty or any other property betoniging to you new or ecorceUraUp feuttog arid nue am not thee in Oetau* under th Contract Othenwiae. we wail acquired by you in the futuiat (a) efue additional time lot tire rsaymeatal any amount apply the cisoanci pmmodato reduce the unpaid bidance dun ‘a. Until all amounts payable payable under Uris Condract reptiles of ttie number of times w under this Contract are paid, you kranocablyaatlnorize cube make and ndte any damn to the presiounly did so and ragardleasaf toe bnØ of any additional niewepseuleusly ga* (b)ve up, fail In exercise insurance and to sign twin nara to endorse amp check as other order payable In connection with ittsuth isa check Inc any any sew nod premium, at delay axeicteng any right against any pan orpwpestp fad to prolact any Oslaihi any properly, whdllwe by fabeng to maimalo any hnsurance, by failing to file any fInancing 13. 1151 OF WSS You WIll be bound by this Contact even it the Vehicle is kant, stolen, damadnrdustroyed, tiatamesd, byfaliuurgtobe samsOn any Car ficated Title otto any other way. 14. OUR RIGHTS IF YOU PEAl YOUR PROSISIS ABOUT THE CURtlY INTEREST,Fat esanhib, MIT Bust can nsa yrni under this ConRad whifan or heir (a) sue anyone cleat (a) reposse and sells your vehicle. or (c) uses any money that inns been or is VENtC1EORf$SUtAllCtlfyou6ilbelwepyewprnopayfheg1aea,taz niherns, any device we may money you promised to depesl IF YOU FAR TO REP YOUR PEOS1SES with Oy you or anyone else be pay unay amount payable underthis Contract hut ABOUT REQUIRED IRSUSANCE WE MAT ADVAICE SORE? TO CITAIM INSURAJICE TO notyot paid, 23, CHARGES AID GIVING UP OF #101415 ST US Na dnonpein this Contract cans be made COVER LOSS OR OASAU TO THE litNacu. THE INSIJUNCI WE BUY FOR IOU COUlD BE MUCH EEl EXPEMSM AND MAY PROVIDE LESS CQVL#AOS THU INSURANCE YOU enceptm a wdongqned by isa Yea agreetocueprabe whir usto collect any obvious was COULD BUT YOURSELF. We can. tad we wighe base to. mainten any inaumace onpoirad in oat copy of this Contract fbflgtd a yea, the Vodide oransy ethvp.rpesty belenafng bytllisCcotractht connection with yoer Vehicle if ycudo not maintainS, await din proteeb toyouneworecatibyyoatlnttnefiatwecan be gtuenupbyusaxuptnna urIttogsignid tnty air anlen m your VehdL You must pay us any amount we pay fr the inwuance end bycu. stndthatayetpaiobyythxofsthstpaslionweream 2L CLAIM FOE PAl WRE TO OITFJN IIISURAICE OR SEWHCE O5TRACt It any amount payable under this Contract We *15 send you a notice that amount on which interest w is hod under this Contract heany inswwscevsetvlce contract and the inswatsce or setwoe payuigtuat amount and thai tar4t1sin 10 dayslhethedete you inane tisenoflee of cnnliactisnotqtitain.dtncaaiy mama, yoiaonlyclaimwlfi befrira refundofthatamosmt, we sand you tine notice, (h) payh that aaweunf and the toloreatlo monthly instadowide each 25, COITIIIUED EFFECTIYEMES3. Hang paitref this Contract is determined by a cuwtbe he of whek,oru whi ha I tine last, will be equal in ameost tile lasted whiclsd net invilid, the .eat *15 remain hi effect. nqunamat*otters,widbeolamnelleramoontandthenwninerofwhtohwlllbe 2L WHAT LAW APPLIE& Any legal questhin corcemxug this ConRad sat be decided in equaitotoenuminerofenbthataatobecomedueainrdiedwesendyouthe beast applicable. federal law. acmrdasvce with tire awof die Slate of New York and, In notice at It) paynngttwt amount and the irteestin any other way we isifir, If you do nal pay 27.ASSISIISEIIT ST SIITEL Buyer chili net assign Ibis Contract. that amcu* and die interest as provided In I’) f lisa preceding sentence, you must pay thomasprovinhehi (bIas olthatsentmwe.Anyanusun*wedoadusncewiilbesecwod THERE ARE NO WARRANTIES IT SELLER, EXPRESSED OR IMPalED, IIICWD1IG THE tsy tire Vehihe T any of our slofits stated to this paragraph an not pesmutted by law, wentot WARRANTiES OF RERCIIAIITSHILITT AND FITNESS FOR A PARTICULAR PURPOSE, have line diet dofdo mentioned. Our payments an your behalf nil net cure yasir failure In UNtESS SELLER HAS CMI YOU A SEPARATE WRITTEN WARRANTY OR UNLESS SElLER perform yost paouoisee us this Contract lIfTERS INTO A SERVICE CONTRACT WITH BUYER WITHIN SO OATS FROM THE OATEOF 15. DEFAULIt In this paragraph ‘You” means the Buyer, Corliignet and Co4wssin or any TIlls CONTRACT. use nat them You will he in “OafauW at the Contract if any one or more of tine firlkawing things happeor NOTICE ANY HOLDER Of THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO a. Youdonotmalueanypaymenoon orbelaraitisdue and tine tostolmesdremsenunpaid he mote than 10 ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT I,. Voudonatineep any pretwue you made Vs titUs Contract. or AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT c Yew be not keep any promise you made in another Co,*act, Hots, Loan or Agreement wdo$aUascrAswgiseeor HEREFO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE d. You made wry imbue stHoment in the credit application hr this Contract at’ DEBTOR HEREUNDER, e. You cominilied any forgery usceanechea with unto Contract at the face of this Contract has a Buyers Guide Window Sticker required by the Buyers Guide Window Sticker. If the Vehicle which is described on Federal Trade Commission Used Car Trade Regulation Rule, the followIng notice applies: The information you see on the wundow form for this Vehicle is part of this Cosibict, Information on th, window form overrides any contrary provisions in the contract of sate. bOTaCEOP PROPOSED CREDIT INSIIRARCE The nrgner of this Contract hereby take(s notice that Group Cinch liii Insurance oneerap at Group Credit Disab Insurance caveape or Group Credit bwolurutsy Unemphymant Insurance ceverap will be applicable to Inn Contract ‘it so marked on the front of this Contract, and each such type of coverag, *11 be writhes by Ill, msu.wnca company named. This insurance. suiciect to acceptance by tire hinter, covers only the yemen as penis signing lisa request let such iusurance. The amount of chirp is indlca Sr each type of Credit Instance Ia be purchased. The term of insurance oIl commence as of else data the indebtedness is incunod alit *11 expIre after the term lndlc Sub(act t* accesdance by tile insurer and whim 30 days, there will bedallasred ha th eddabtafs( e certificate of in mote hilly descilbing the immance. lathe eventet prepayment all the andehednena, areInedefklsurancedlsarpswlbemadewhendun. I’4OT1CE SEE FRONT SlOE FOR IMPORTANT INFORMATION.