Preview
FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019
SUPREME COURT OF THE STATE OF NEW YORK
COUNTY OF WESTCHESTER
BARCLAYS BANK DELAWARE
lrdnc Not 61839/2019
Raintiff,
va AFFIDAVIT OF FACTS BY ORIGINAL CREDITOR
JuilanneMarieAlas
Defenda1t.
STATE OF DELAWARE )
)sa
COUNTY OF NEW CASTLE )
I,theundereigned first
affiant, bdrg swom, dedaresticIslateas follows:
1. My namels _Mrb 2/ge . I arn
of sound mind, lasfulageand capaded making this#fidavit. The
staternentssetforthinthls affidavitaretrue and correctbased on my personal knowledgeand revies of thebusiness
recordsdescribed herdn. I all authorizect
to makethIs affidaviton behalfof PlaintiffBardays Bank Ddaware (referred
"
to hereinas Barclaysf').
Bardays islocatedin Wilrnington, Ddawaret
2. I arnernployed by Barclaya I an the of theRaintiff hereinand an competent totestifyto the
mattersstated herein based on my personalknowl thebooksand records ofthe Raintiff, which aretrueand
accurate.I have accessto account Information ancirecords conceming the Defendant's Bardays? account number
(the"
curretly encing in 5589, whichisthesubject of thisIswsuit Account").
S. A creditagreement e(istsbetweenPlaintiff and Defendant ("Agreemmit"). Defaidant agreed to pay Raintiff for
allgoods, services and cash advancesprovided pursuant tothe Agremmt. Theamount ofthe lastpaymmt madeby
Defencientwas $24.00, made on August 8, 2017. Defendant is now indgault and demand for payment has been mada
4. Based upon a review , I havepersond knowledgeof Raintiff'sprocedures for generatirgand mailing soccunt
statementsto customers Itistheregular practiceof RaIntiff'sbusiness to provideperiodic account statements toits
customera Raintiffsent oneer moreaccount statenstardating to theAccount to theDefendant statingtheamount due
dther by regularmall or by dectronlo maiL Theettached Account Statement does not reflect
any outstanding disputeson
the Account.
5. At thistime, Defendant owes thesum of $1,681.29 on theAcocunt. This amount Indudes a charge-offbdance
of $1,681.29, post-chargeoff of
interest $0.00 , post-charge offfees and chargesof 30.00, lessany post-charge-off
credtsor paymentsmade by or on behdi of theDefendant of $0,00. Theaocount was charged offon April 29, 2018.
6. Raintiffdemands judgment agairst Defendant for$1,681,29, together withthe costsancidsbursenents of tNs
action.
Marie
.1stlanne Alas'5589 Page 1 of 2
1 of 8
FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019
I solemrdyaffirm under the pendtles of perjuryand upon persond knowledgethat thacontents of theforegoirg paper are
true.
EXECUTED on 7 . _Jo d.
Signature
STATE OF _3
On this day of , 20 , beforetheundesigned Notary Public in and
forthestateof Ddaware personally appeared /^-n4IL.. AA.© t76n, known to meto be the person who
executed the Affidaviton behdf ofthe above·nemed and
Plaintiff, acknowledged to rne thathWshe e(ecuted the same for
the purposestherein statedL
Notary PubIIc
AMANDA C-S KRIEG
NOTARY PUBUC
STATE OF DELAWARE
My Commissionfixpkes Apdl
2,2020
Allenne Marie Alasr5589 Pse2 of 2
2 of 8
FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019
Vlsa®
BARCLAYS Bardaycard Financing Card Statement
JULIANNE MARIE L ALAS |Account Ending 6689 State-aent Period 03/07/18-G4/06/18 Page 1 of 7
Previous Balance as of 01/07/18 $1,531.96 Statement Balance: $1,681.29
Payments - $0.00 Minimum Payment Due: $417.22
Feas Charged + $15.00 Payment Dua Date: 05/03/18
Charqad
Interest + $34.33 Late Payment Warning:
If we do not receive your minimum
payment by the
=
Staterment Balancess of 04/B8t18 $1,881-29 date Ilated above, you may have to pay a late fee of up to $15.00.
Past Due • $351.gg MInimum Payment Warning:If you make enly the minimum
payment each
period, you win pay more In interest to pay off
and It will take you longer your
APROstaRsbegfe on page 2in the interentCharge
CalculaUonsecdon. balanos, For exampl
.
TransactiondetaMsbeght ott page 2.
Iman s
Only the mIIrnum
Totat Credit Line 80,00 8 yeare $3,133.00
Includes 60.0Qcash advance line
Credit Line
Available 50.00 F If you would Ilke Inforwianon about credit counsenngservices,pleasecall800-670-1403.
se of 04/06/18
cash advances 50.00
Avaltable for RupaymenlInform$Gonbasedon aclivlly and APR'son your secountasof the closing date,
Overllrnit Amount $181.29
ÖIiTÃNÚÑÈÖNlif TÍÖÑÏÈÖÏf NdRiflinÑiifEÉI¾élli
4 i ilili
NDUCE:SEERGVERSESSEORENDOFBTA1BMENT
FURIMPORIAEFINFORMATION
Statement Balance as of
04/06/18:(account ending 6589) $1,681.29
Minimum PeyrnentDue· Unotudes $351.55
pastdue amount) S417,22
OP BARCLAYS
Payment Due Date: 05/03/18
Antount Endosed:5 - , - - - , - - - .- -
Makedad payeMeleBentays.
AnowY•10enyskr RBF®dnGysty.
----- manifest 11ne ---------
JULIANNEMARIELALAS P.O.8ox13337
789UNDBERGliAVE PA19101-$337
Philadelphia.
PEEKSIG1NY10566-6801 l" 'Îril
l"I'l'Î I l 'II iÎ ii 1 llrill'
i"Illnal-rl'lrighh!Îhlh:!'ll4i"lill¹Nlpilhirill'
ame. aggagg ssgeganananamenannean
3 of 8
FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019
Visa®
Barclaycard Rnancing Card Statement
JUL1ANNE MARIE L ALAS | AccountPading 5589 | StatementPeriod U3/07/18-04/08718 Page 2 of 7
Payments
No Payment Received SD.00
Total paymenta for this ported $0.00
li
Purchase Activityfor JUL!ANNE MARIE L ALAS card ending 5589
at This TIma
No Transaction ActMty $0.00
forthis period
Totat purchase activity $8,00
t To see actMiy
afterthis statement vid
period, Befthy.em-
Fees Charged
Apr 03 Apr 03 LATE PAYMENT FEE $15.00
Total fees for thla period $16,00
InterestCharged
Apr OB Apr 08 Interest Charge On Purchases $34.33
for this period
Total1ntereat $34.33
Total fees charged in 2018 $8D.00
Total lnterest
charged in 2018 $127.30
ThisYear-to-detesummmyrettectsthe Feesand UNotestottaigedon bMng statementswith C¾singdatesin 2010,
not raRectany subsequentfee andbr laterest aQvsknents.
Purchases
Standard Purchases - S1,550,42 2449%(v) $34.33
Balance Transfers
Standard Balance Tiansfers/Checks - 50.0D 24.49%(v) $0.0D
continuedon page 3
VisitGarcIsysUS.com or use theBarclaysMobile App
4 of 8
FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019
Visa®
Barclaycard Finandng Card Statement
JULIANNE MARIE L ALAS | AccountEnding 5589 I StatementPeriod 03/07/18-04/06/18 Page 3 of7
PremaBonal Balance Suhlect AnnualPergentage Interest
Type of Balance Rato9nd Date to laternet
Rate Rate (APR) Chargo
Cash Advances
Standard CasAdvance - 50L00 28.74%(v) 80L00
-- _,,... ....-, ....... .. .... .... ..
.. .. .. . ... ............... .. .
. .. . . . . . --.
.. - ........ ... _.-- .........
~....... .. .......
- ...
......
Total $34.33
YourAnnual PomentageItate is tha annustinterest rate on your account.(v) = Variable Rate
hp11t)
Informellon' sesilonof thiss1stamentfor more Informanes about how wa cateulataWarest
Santhe *Importart
.. ...... .-
. . . ... ..
. . . ... .. . .- . . ....
AVOIDING NTEIU1BTON PURCHNIEB (GRACEPEltloD)
It youIme a 0% premeUonal
APRenshof yourPuxhame
balances,youan aveWpayingIntegenten thosebehmoes
dining theappHcalde
pmentionalpelled. Houmver,payat least
stair MinimanPapnentDueto avoidaisto fee.
trpu e5terpmmollonelbebnceson yourAccount,youan avoki payingintarastonyourPun:hassa
hmmbelhAnchasebalancesvdthanAPftgreaterthen0%sadpu abo lae by
ChisamountInchulasaty MininmmPapnentDuesendredIn avokia laimfee).PhaseadarIn the "Accnal ef InterestandHowto AvoidPeginginismaton
paybg $ test29
Pachasesrpanigraphon the backof this8talementfor furtherdelet
knportantInfonnatiom
Duefa the rlaimamated ty the use of cledit cards to purchase cryptocumincy In an ugwegulated,volatile market, Beclays will no larger pmeanssuch transactbns
beginning Februmy 28, 2018. We will conUnueto nMew Us
bous as these gypesof cunencies evolve.
..
VisitBarc!eyeU&com or use t he
Barclays Mobile App
5 of 8
FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019
Visa®
Bardaycard Financing Card Statement
JUL!ANNE MARIE L ALAS | Account Ending 5589 |Stetement Period 03/07/18-04/06/18 Page 4 of 7
You may have not ced your statement
looks a bit different
Here are some of the enhancemerits to your statement
• Your firstpage summarizes the information • Pre-scheduled or repeat payment status is.
you need most clearly indicated
• The section • Enhanced - the last4 digits of
personalized Account Activity security only
-
includes page references so you can easily your account number are shown
locate more information
Please note that your cycle date. due date and account terms remain the same.
VisitBarciaysUS.com or use theBarclays Mol>lleApp
6 of 8
FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019
Important Information $8 BARCIAY S
Page 8 of7
Information About Credit BureauReporting: Wemuyreportinformationaboutyour
edeessby 5 p.m.Erthat sharwhe meetsthe requimmentaof a œnbmes
paymentwm
beaudited to youraccountthat someday.
accountto andRburseus.Latepaymenle.ndsaadpaymenin,cr otherdefaullsonyour
accountmaybecallectedIn yourcodit report
How We Will Celeutatointerest Weusearnethodconed"daty halanon"(includingnew
Lastor Btolen Card: Yourcredited
b Issuedby BordereBankDelaware.If yourcardis WecalculateIntomatasparatelyfor em:h"BalanceSubjectto InterestRate."
purchases),
Theesincludalbr example,Rahasesat the cumentrate.BalanceTraneIgrs
bet or eioleftpleaseconinctus immediatelyet 86tM884735 at anyGma. et me cunent
rate, CuehAdenceset the cunernrate,enddifremntpmmolionalbalenels.Your rnanthly
bHng statementshownanch'BalanceSubjectIn IntarantRate?
Paymentinformattent Eachblilmgcycle,youmustpayat lanetthe MinimumPaymentDue
ahownonyourmonthlystatsmantty Its PaymentDueDete.Bolbthe MinimumPayment
paentDueDatemenoteden yourslalamentandenyourhomapagewhenyou
Dueenti I TscalculadeInlarmatwe lirst ceiculateadety balance1bteedt Baeume
adi|ect to Interant
At anytime youmaypaymorethentheMblmum PaymentDueup
toginto lierdaystjBAnom. for that BahncioSutinctto intevestRise,asat theend of
Rete.Westartwith the begance,
to the full emountyouoan us,howeveryouasnrmt"pay ahead" 'IMismeansthat If you
theprawbum
day.Weaddany m1erent
alculated on thepreviousdaybbalance.(Thismeans
ply moreGianthe requied MinimumPaynardD11s Intarantlaesmpounded
In anybillingeydeor II y0smeRomom daily).Weeddory new Purchases,
Balancehanelereor Cogh 5
required Athencesto the spluepdatabalance,aubtact anynewpaymerdser credllsthornthe
thanonepaymentIna blRngcycle,youwill eBIneedto paythe acutrnonthms
MinimumPaymentDueby yournext PaymeritDueOate.Remarreter
to makeall cheda eppropdatehelance,andmakeotheredfuslmania.A creditbahncais treatedali abelBace
of zero.Wethen multiplyeachdaEytndanceby the appuoable
psyebleto Berdays.Pleaseallow 7 to 10 dayafor the U.S.Postal Serviceto dativer delly periodicrate.Wedo this
for eachdayin the billingperled.Thatghesusthe daly interest Weaddup all the delly
your paymentto us. upon our recolpt, your available eredit may not be lucrammad
internat(br asof the dollybleBnces
by the payment amount for up to 7 daysto ensurethe funds from the bank on to get thetotal Inimestfor the blRts peded.
which your payment is drawn are collected and riot returned. Whenyoupro
fa a
Accruel of Interest and How to Avoid Pay(ngInterest on Purcheets.Yourduedate1s
disdeaspsymentonthis Account,youaulhodzeusto eitherusethe infounationImm your
at least23 degaalter thedoseof eachalBngcydstOnthitcheese,Interestbegns to necrue
checkIp makea ene4me alectmnioAnaltranararfmmyouraccountor to placentthe
emof the inesectiondate.However,youcanavoidpayingintereston Ptr@anam
paymentasa checkinmsaction.Whenwe useInformallonfromyourdieck to makeen In any
ghtenbiling cWeIf youpayyourBlaternantBalanceInfull by lhe PeymentDueData.You
electonicflind trenefer,1undsmaybewithdswn fromyouraccountmecon asthesame
mayalaeavoidpayingInlareston Pu
daywe incatueyour payment,endyouwill not teceiveyourchadtbacktorn yourIInancial seesIf altharParagraphA or Peregraph8of this
lasilluHon.Forinquirlas,phanacall 801HB3-3735. secdonappliesIn youraccount
A. If you havePushesebalanceswith a 0% promotionalAPR.youcaneveldpayinginterest
Melled Payrnants:A conformingpaymentrecalvedby as by 6 p.m.ItTwill becreditedto
en thosePueese beloncesdudngtie pmsnollonelpedod,andthe lbllowingPeragmphB
youraccountthe dayof racabl.A "cordaming payment is a paymentthal: 1) is mailed
to youraccount (However,to evoida late fee,payal gaastyourMintmum
will not app¾r
usingthe endonedanvelopeandpaymentcouponIndudedwith thisstatementor meted
PaymentDue.)
with a paymentcouponprintedfromeardayeUsan to Banfays,P.0,Bm 13337
B.if you havePunfiesebalamaswith anAPFlihatIngmaterthan 0%, andyoueleohave
Phtedelphle,PA19181-3357:and 2)is Inthe Agrinof a single,nonfoldeddieck or money
othertypesof pmmellonalbdenceson yourscoount,youadil maybeableto aveld paying
ordermadspayablelb 118.dobmetorn a tult basedInstilunonLAnypaymentthat doesnot
intereston lhosebehnoeswithout payingyourStatementBalancein fuU.IIthis eppliesto
meetthesemqikemants,er any paymentwith mumptodieckscr moneyordant,add1donal
yourAccount,youwill meea Paragiaphtitted "Avolding Inlegenton Pu@ases(0mos
eleples,pependpa,alo.wE beconskiereda "non-conformingpayment
conespondence,
whichmaydelay11tacredlessof the paymentfor up In 6 days. y belowthe InlematChargeCakulallonsedlonon the tent of
Pasiodr appearingdbecH
thle StatementThiswMshowthe emountyoucan psyby 8te PaymeriDueDaleandstM
Other Paymentoptlens: evokiInterestchugeson yourPurchase
balances,TKsemountInaydifferfrom your
Wah:vialt BandayaUseem
soaetep yourpaymenia StatementBalanceIt maydiffer becauseyou cunerdlyhavecatain promodonalAPA
MobAs;Todownloadthe Bachys MobileApp,text MOBI.Eto 63858, tadmost, andthe nonpayment
of thanebalanosewtAnot a5ectyourgracepedodon
Eboon:Cagusat 888-4B3-3735endwewmprecessyourpayment, Purde providedyou payallother balanceson yoursoootat. (Hewaver,to avoidalate
PeymentDue.)
fee, payat leastyourfWIln!mum
ForBalanceTransisis,interestwill eomusfem the transacdondatawhichgenendlywlo be
Ahpaymenhinadevia web, mobileappcr payby ptices by 7510p frL Erwill beandled
to youtenetmt that sameday, tie day the pegeeaccephth6ChecitForCoehAdvances,Interentwill acous fiem the
transecdondatewhichgeneratywtil bethe day youtakethe CashAdvance.Pleasenote
that pu
OvamfahlPapnanla:Sendovernightcourierseniceor (ASAS.PriortlyMall paymentsto which Indudemoneyexters,travetemchedal foreign
anesof CashEquivalents,
_ oununcglollerytickele,gamldingchipsandwlre transfers,ageheeledesCashAdvances
Cardsenter, 400While CmyCenterDi(ve,Namerk,cE19711.A paymentreceivedet 8ile
Conthued ort page 7
-..-..............,...---____-_
_-..............--..
_......
_...--_......., ___. _ __. _______-_ ,____....
__ ___ ___ __ _ __ _ _ _.
Make Changes to your contact information below
Name
Address
City State Zip
Home Phone Work Phone
Email Address
7 of 8
FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019
BARCLAY S
Page 7 of7
anddenot havea gameperiod.seayourcasimumh•rAgreementfor trea hfbrmallen,
Whilewe Ingettigate,themmeAdesapp¾r
to the dluputedamountasdocussedabove.
we will te4)eu ourdedskm.At that poim,15we think you
Afterwefln1shourInveallgotlen.
owaanemountandyoudo act pay,wa trwyreportyouasd8linquent
Minimum Interest Charge:1hisfee, If Imposed,apposein the Sumrnegy
d Feessoa
"AtinimumInterestChaigg or 11inhnum Cliarge?
Pleanareferto yourCanimaneerAgreementfor addBonalInformationaboutthe termsof
yourAccount.
Credit BureauDisputes: IIyou hellegethatanantrywa havemadaen yourcodit bureau
repost1sinaccuratecr Incomplete.pleasecontactthe reportingagencydirectlyor contad us
at Ced Senicas,PA 8m 8806WIbnlhglon,(3Ili19899.4801,Flanamindude
yournames *2018BerdaysIlank Delaware,memberFDIC
youreconuntnumber;theandR repoIllngagencywhereyouseentvad
thehulamurepont:a
desci km orthe ener: andwhy youballevaIt Isanoner,Wewill gromptlyInuseligele,
nolify youof our findings,andsendanupdateto theandNbureausII wammledwithin 30
What To no 17YouThink You Find A Mintake OnYour Staternent
15youthinkthere18en enor on youratatement,wthe to us at•
Ced Savices
PA Hog8802
WEnington,131E198994A02.
In yourlenar.givaus the folkming Information:
• AccountInforrnatient Yourremaandaccouninumber.
a Dollar amount:1he dollaramountof the suspedederror.
e Description of problem: IIyou thinkthmeInan anor onyourbll, deemtiewhat you
believeis wrongand why youballegeit Ina mistake.
Youmustcordeduswnhin60 daysaRertheerroreppearedonyourstatemonL
Youmustnonryusef any potentialenersfrr Wrfifrg.
Youmaycall ue,hut Wyoudawe ore
not inquiredin imeetigataany potentialenousandyou mayhavato paythe smountIn
questkin.
Whitawe invas5gatewhetheror nel therehasbeenan enor, the fottowingaretrue:
• Weconnottry to cobactthe amountInquestion,or seput youandennquentonthat
emounL
• Thedisge in questionmayremainonyourelatementandwe maycondnueto
dungayou Intereston that amount.But If we determinethatwe rnadea mistake,
youwill nothaveto paythe emountinqueagonor anyinterestorotherfeanrelated
lo that emounL
• youde eat haveto paythe amountIn queens, yanme unspossllietor the
Wh1In
eIyour tiesence,
semainder
• WecanapplyanyunpaklemoutilagetnstyourcredRlimit.
YourRights If You Are DiamatistedWith Your Crad1tCardPurchases
_ that300bina pulchasedwith yourmedh
It youagedhaidlalledwith thegoodser sendees
enth andyouhavetried in goodfa1thto cosmetthe problemwith the melchant,you enay
ime the rightnot to paythe remainingamountdueon the purcheeet
Tousethla right, all of the followingmusttietrue:
1. Thepurchesemusthue beenmadain yourhomeslalacr within 100tageseIyour
curient memngattirees,end the punfinaepdoefnusthavabeenmorethan55th
(NotalNetherof theseare r=aeearyif yourpurdtesewasbeaedonan advertisement
we malledto you,or Ifwe ownthe companythat soldyouthegoodsor servical)
2. Youmusthaveusedyourcreditcardfor thepunmasaFuntancemadewith cash
advanese
tom anATMor with a checkthat yourcreditced econuntde not
quallIy.
3. Yournuetnot yet havefully paldfor thepachase.
If ell of thecriterleobovearamet andyouare$18di•merl•Rad
whh the purchese.contactun
Ist writing
at:
Cad serviess
PA Box8802
Wilmington,0E19809-8802.
Vrest BarclayeOS.comor use theBarclaysMobile App
8 of 8
Preview
FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF WESTCHESTER BARCLAYS BANK DELAWARE lrdnc Not 61839/2019 Raintiff, va AFFIDAVIT OF FACTS BY ORIGINAL CREDITOR JuilanneMarieAlas Defenda1t. STATE OF DELAWARE ) )sa COUNTY OF NEW CASTLE ) I,theundereigned first affiant, bdrg swom, dedaresticIslateas follows: 1. My namels _Mrb 2/ge . I arn of sound mind, lasfulageand capaded making this#fidavit. The staternentssetforthinthls affidavitaretrue and correctbased on my personal knowledgeand revies of thebusiness recordsdescribed herdn. I all authorizect to makethIs affidaviton behalfof PlaintiffBardays Bank Ddaware (referred " to hereinas Barclaysf'). Bardays islocatedin Wilrnington, Ddawaret 2. I arnernployed by Barclaya I an the of theRaintiff hereinand an competent totestifyto the mattersstated herein based on my personalknowl thebooksand records ofthe Raintiff, which aretrueand accurate.I have accessto account Information ancirecords conceming the Defendant's Bardays? account number (the" curretly encing in 5589, whichisthesubject of thisIswsuit Account"). S. A creditagreement e(istsbetweenPlaintiff and Defendant ("Agreemmit"). Defaidant agreed to pay Raintiff for allgoods, services and cash advancesprovided pursuant tothe Agremmt. Theamount ofthe lastpaymmt madeby Defencientwas $24.00, made on August 8, 2017. Defendant is now indgault and demand for payment has been mada 4. Based upon a review , I havepersond knowledgeof Raintiff'sprocedures for generatirgand mailing soccunt statementsto customers Itistheregular practiceof RaIntiff'sbusiness to provideperiodic account statements toits customera Raintiffsent oneer moreaccount statenstardating to theAccount to theDefendant statingtheamount due dther by regularmall or by dectronlo maiL Theettached Account Statement does not reflect any outstanding disputeson the Account. 5. At thistime, Defendant owes thesum of $1,681.29 on theAcocunt. This amount Indudes a charge-offbdance of $1,681.29, post-chargeoff of interest $0.00 , post-charge offfees and chargesof 30.00, lessany post-charge-off credtsor paymentsmade by or on behdi of theDefendant of $0,00. Theaocount was charged offon April 29, 2018. 6. Raintiffdemands judgment agairst Defendant for$1,681,29, together withthe costsancidsbursenents of tNs action. Marie .1stlanne Alas'5589 Page 1 of 2 1 of 8 FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019 I solemrdyaffirm under the pendtles of perjuryand upon persond knowledgethat thacontents of theforegoirg paper are true. EXECUTED on 7 . _Jo d. Signature STATE OF _3 On this day of , 20 , beforetheundesigned Notary Public in and forthestateof Ddaware personally appeared /^-n4IL.. AA.© t76n, known to meto be the person who executed the Affidaviton behdf ofthe above·nemed and Plaintiff, acknowledged to rne thathWshe e(ecuted the same for the purposestherein statedL Notary PubIIc AMANDA C-S KRIEG NOTARY PUBUC STATE OF DELAWARE My Commissionfixpkes Apdl 2,2020 Allenne Marie Alasr5589 Pse2 of 2 2 of 8 FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019 Vlsa® BARCLAYS Bardaycard Financing Card Statement JULIANNE MARIE L ALAS |Account Ending 6689 State-aent Period 03/07/18-G4/06/18 Page 1 of 7 Previous Balance as of 01/07/18 $1,531.96 Statement Balance: $1,681.29 Payments - $0.00 Minimum Payment Due: $417.22 Feas Charged + $15.00 Payment Dua Date: 05/03/18 Charqad Interest + $34.33 Late Payment Warning: If we do not receive your minimum payment by the = Staterment Balancess of 04/B8t18 $1,881-29 date Ilated above, you may have to pay a late fee of up to $15.00. Past Due • $351.gg MInimum Payment Warning:If you make enly the minimum payment each period, you win pay more In interest to pay off and It will take you longer your APROstaRsbegfe on page 2in the interentCharge CalculaUonsecdon. balanos, For exampl . TransactiondetaMsbeght ott page 2. Iman s Only the mIIrnum Totat Credit Line 80,00 8 yeare $3,133.00 Includes 60.0Qcash advance line Credit Line Available 50.00 F If you would Ilke Inforwianon about credit counsenngservices,pleasecall800-670-1403. se of 04/06/18 cash advances 50.00 Avaltable for RupaymenlInform$Gonbasedon aclivlly and APR'son your secountasof the closing date, Overllrnit Amount $181.29 ÖIiTÃNÚÑÈÖNlif TÍÖÑÏÈÖÏf NdRiflinÑiifEÉI¾élli 4 i ilili NDUCE:SEERGVERSESSEORENDOFBTA1BMENT FURIMPORIAEFINFORMATION Statement Balance as of 04/06/18:(account ending 6589) $1,681.29 Minimum PeyrnentDue· Unotudes $351.55 pastdue amount) S417,22 OP BARCLAYS Payment Due Date: 05/03/18 Antount Endosed:5 - , - - - , - - - .- - Makedad payeMeleBentays. AnowY•10enyskr RBF®dnGysty. ----- manifest 11ne --------- JULIANNEMARIELALAS P.O.8ox13337 789UNDBERGliAVE PA19101-$337 Philadelphia. PEEKSIG1NY10566-6801 l" 'Îril l"I'l'Î I l 'II iÎ ii 1 llrill' i"Illnal-rl'lrighh!Îhlh:!'ll4i"lill¹Nlpilhirill' ame. aggagg ssgeganananamenannean 3 of 8 FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019 Visa® Barclaycard Rnancing Card Statement JUL1ANNE MARIE L ALAS | AccountPading 5589 | StatementPeriod U3/07/18-04/08718 Page 2 of 7 Payments No Payment Received SD.00 Total paymenta for this ported $0.00 li Purchase Activityfor JUL!ANNE MARIE L ALAS card ending 5589 at This TIma No Transaction ActMty $0.00 forthis period Totat purchase activity $8,00 t To see actMiy afterthis statement vid period, Befthy.em- Fees Charged Apr 03 Apr 03 LATE PAYMENT FEE $15.00 Total fees for thla period $16,00 InterestCharged Apr OB Apr 08 Interest Charge On Purchases $34.33 for this period Total1ntereat $34.33 Total fees charged in 2018 $8D.00 Total lnterest charged in 2018 $127.30 ThisYear-to-detesummmyrettectsthe Feesand UNotestottaigedon bMng statementswith C¾singdatesin 2010, not raRectany subsequentfee andbr laterest aQvsknents. Purchases Standard Purchases - S1,550,42 2449%(v) $34.33 Balance Transfers Standard Balance Tiansfers/Checks - 50.0D 24.49%(v) $0.0D continuedon page 3 VisitGarcIsysUS.com or use theBarclaysMobile App 4 of 8 FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019 Visa® Barclaycard Finandng Card Statement JULIANNE MARIE L ALAS | AccountEnding 5589 I StatementPeriod 03/07/18-04/06/18 Page 3 of7 PremaBonal Balance Suhlect AnnualPergentage Interest Type of Balance Rato9nd Date to laternet Rate Rate (APR) Chargo Cash Advances Standard CasAdvance - 50L00 28.74%(v) 80L00 -- _,,... ....-, ....... .. .... .... .. .. .. .. . ... ............... .. . . .. . . . . . --. .. - ........ ... _.-- ......... ~....... .. ....... - ... ...... Total $34.33 YourAnnual PomentageItate is tha annustinterest rate on your account.(v) = Variable Rate hp11t) Informellon' sesilonof thiss1stamentfor more Informanes about how wa cateulataWarest Santhe *Importart .. ...... .- . . . ... .. . . . ... .. . .- . . .... AVOIDING NTEIU1BTON PURCHNIEB (GRACEPEltloD) It youIme a 0% premeUonal APRenshof yourPuxhame balances,youan aveWpayingIntegenten thosebehmoes dining theappHcalde pmentionalpelled. Houmver,payat least stair MinimanPapnentDueto avoidaisto fee. trpu e5terpmmollonelbebnceson yourAccount,youan avoki payingintarastonyourPun:hassa hmmbelhAnchasebalancesvdthanAPftgreaterthen0%sadpu abo lae by ChisamountInchulasaty MininmmPapnentDuesendredIn avokia laimfee).PhaseadarIn the "Accnal ef InterestandHowto AvoidPeginginismaton paybg $ test29 Pachasesrpanigraphon the backof this8talementfor furtherdelet knportantInfonnatiom Duefa the rlaimamated ty the use of cledit cards to purchase cryptocumincy In an ugwegulated,volatile market, Beclays will no larger pmeanssuch transactbns beginning Februmy 28, 2018. We will conUnueto nMew Us bous as these gypesof cunencies evolve. .. VisitBarc!eyeU&com or use t he Barclays Mobile App 5 of 8 FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019 Visa® Bardaycard Financing Card Statement JUL!ANNE MARIE L ALAS | Account Ending 5589 |Stetement Period 03/07/18-04/06/18 Page 4 of 7 You may have not ced your statement looks a bit different Here are some of the enhancemerits to your statement • Your firstpage summarizes the information • Pre-scheduled or repeat payment status is. you need most clearly indicated • The section • Enhanced - the last4 digits of personalized Account Activity security only - includes page references so you can easily your account number are shown locate more information Please note that your cycle date. due date and account terms remain the same. VisitBarciaysUS.com or use theBarclays Mol>lleApp 6 of 8 FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019 Important Information $8 BARCIAY S Page 8 of7 Information About Credit BureauReporting: Wemuyreportinformationaboutyour edeessby 5 p.m.Erthat sharwhe meetsthe requimmentaof a œnbmes paymentwm beaudited to youraccountthat someday. accountto andRburseus.Latepaymenle.ndsaadpaymenin,cr otherdefaullsonyour accountmaybecallectedIn yourcodit report How We Will Celeutatointerest Weusearnethodconed"daty halanon"(includingnew Lastor Btolen Card: Yourcredited b Issuedby BordereBankDelaware.If yourcardis WecalculateIntomatasparatelyfor em:h"BalanceSubjectto InterestRate." purchases), Theesincludalbr example,Rahasesat the cumentrate.BalanceTraneIgrs bet or eioleftpleaseconinctus immediatelyet 86tM884735 at anyGma. et me cunent rate, CuehAdenceset the cunernrate,enddifremntpmmolionalbalenels.Your rnanthly bHng statementshownanch'BalanceSubjectIn IntarantRate? Paymentinformattent Eachblilmgcycle,youmustpayat lanetthe MinimumPaymentDue ahownonyourmonthlystatsmantty Its PaymentDueDete.Bolbthe MinimumPayment paentDueDatemenoteden yourslalamentandenyourhomapagewhenyou Dueenti I TscalculadeInlarmatwe lirst ceiculateadety balance1bteedt Baeume adi|ect to Interant At anytime youmaypaymorethentheMblmum PaymentDueup toginto lierdaystjBAnom. for that BahncioSutinctto intevestRise,asat theend of Rete.Westartwith the begance, to the full emountyouoan us,howeveryouasnrmt"pay ahead" 'IMismeansthat If you theprawbum day.Weaddany m1erent alculated on thepreviousdaybbalance.(Thismeans ply moreGianthe requied MinimumPaynardD11s Intarantlaesmpounded In anybillingeydeor II y0smeRomom daily).Weeddory new Purchases, Balancehanelereor Cogh 5 required Athencesto the spluepdatabalance,aubtact anynewpaymerdser credllsthornthe thanonepaymentIna blRngcycle,youwill eBIneedto paythe acutrnonthms MinimumPaymentDueby yournext PaymeritDueOate.Remarreter to makeall cheda eppropdatehelance,andmakeotheredfuslmania.A creditbahncais treatedali abelBace of zero.Wethen multiplyeachdaEytndanceby the appuoable psyebleto Berdays.Pleaseallow 7 to 10 dayafor the U.S.Postal Serviceto dativer delly periodicrate.Wedo this for eachdayin the billingperled.Thatghesusthe daly interest Weaddup all the delly your paymentto us. upon our recolpt, your available eredit may not be lucrammad internat(br asof the dollybleBnces by the payment amount for up to 7 daysto ensurethe funds from the bank on to get thetotal Inimestfor the blRts peded. which your payment is drawn are collected and riot returned. Whenyoupro fa a Accruel of Interest and How to Avoid Pay(ngInterest on Purcheets.Yourduedate1s disdeaspsymentonthis Account,youaulhodzeusto eitherusethe infounationImm your at least23 degaalter thedoseof eachalBngcydstOnthitcheese,Interestbegns to necrue checkIp makea ene4me alectmnioAnaltranararfmmyouraccountor to placentthe emof the inesectiondate.However,youcanavoidpayingintereston Ptr@anam paymentasa checkinmsaction.Whenwe useInformallonfromyourdieck to makeen In any ghtenbiling cWeIf youpayyourBlaternantBalanceInfull by lhe PeymentDueData.You electonicflind trenefer,1undsmaybewithdswn fromyouraccountmecon asthesame mayalaeavoidpayingInlareston Pu daywe incatueyour payment,endyouwill not teceiveyourchadtbacktorn yourIInancial seesIf altharParagraphA or Peregraph8of this lasilluHon.Forinquirlas,phanacall 801HB3-3735. secdonappliesIn youraccount A. If you havePushesebalanceswith a 0% promotionalAPR.youcaneveldpayinginterest Melled Payrnants:A conformingpaymentrecalvedby as by 6 p.m.ItTwill becreditedto en thosePueese beloncesdudngtie pmsnollonelpedod,andthe lbllowingPeragmphB youraccountthe dayof racabl.A "cordaming payment is a paymentthal: 1) is mailed to youraccount (However,to evoida late fee,payal gaastyourMintmum will not app¾r usingthe endonedanvelopeandpaymentcouponIndudedwith thisstatementor meted PaymentDue.) with a paymentcouponprintedfromeardayeUsan to Banfays,P.0,Bm 13337 B.if you havePunfiesebalamaswith anAPFlihatIngmaterthan 0%, andyoueleohave Phtedelphle,PA19181-3357:and 2)is Inthe Agrinof a single,nonfoldeddieck or money othertypesof pmmellonalbdenceson yourscoount,youadil maybeableto aveld paying ordermadspayablelb 118.dobmetorn a tult basedInstilunonLAnypaymentthat doesnot intereston lhosebehnoeswithout payingyourStatementBalancein fuU.IIthis eppliesto meetthesemqikemants,er any paymentwith mumptodieckscr moneyordant,add1donal yourAccount,youwill meea Paragiaphtitted "Avolding Inlegenton Pu@ases(0mos eleples,pependpa,alo.wE beconskiereda "non-conformingpayment conespondence, whichmaydelay11tacredlessof the paymentfor up In 6 days. y belowthe InlematChargeCakulallonsedlonon the tent of Pasiodr appearingdbecH thle StatementThiswMshowthe emountyoucan psyby 8te PaymeriDueDaleandstM Other Paymentoptlens: evokiInterestchugeson yourPurchase balances,TKsemountInaydifferfrom your Wah:vialt BandayaUseem soaetep yourpaymenia StatementBalanceIt maydiffer becauseyou cunerdlyhavecatain promodonalAPA MobAs;Todownloadthe Bachys MobileApp,text MOBI.Eto 63858, tadmost, andthe nonpayment of thanebalanosewtAnot a5ectyourgracepedodon Eboon:Cagusat 888-4B3-3735endwewmprecessyourpayment, Purde providedyou payallother balanceson yoursoootat. (Hewaver,to avoidalate PeymentDue.) fee, payat leastyourfWIln!mum ForBalanceTransisis,interestwill eomusfem the transacdondatawhichgenendlywlo be Ahpaymenhinadevia web, mobileappcr payby ptices by 7510p frL Erwill beandled to youtenetmt that sameday, tie day the pegeeaccephth6ChecitForCoehAdvances,Interentwill acous fiem the transecdondatewhichgeneratywtil bethe day youtakethe CashAdvance.Pleasenote that pu OvamfahlPapnanla:Sendovernightcourierseniceor (ASAS.PriortlyMall paymentsto which Indudemoneyexters,travetemchedal foreign anesof CashEquivalents, _ oununcglollerytickele,gamldingchipsandwlre transfers,ageheeledesCashAdvances Cardsenter, 400While CmyCenterDi(ve,Namerk,cE19711.A paymentreceivedet 8ile Conthued ort page 7 -..-..............,...---____-_ _-..............--.. _...... _...--_......., ___. _ __. _______-_ ,____.... __ ___ ___ __ _ __ _ _ _. Make Changes to your contact information below Name Address City State Zip Home Phone Work Phone Email Address 7 of 8 FILED: WESTCHESTER COUNTY CLERK 12/11/2019 01:00 PM INDEX NO. 51839/2019 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/11/2019 BARCLAY S Page 7 of7 anddenot havea gameperiod.seayourcasimumh•rAgreementfor trea hfbrmallen, Whilewe Ingettigate,themmeAdesapp¾r to the dluputedamountasdocussedabove. we will te4)eu ourdedskm.At that poim,15we think you Afterwefln1shourInveallgotlen. owaanemountandyoudo act pay,wa trwyreportyouasd8linquent Minimum Interest Charge:1hisfee, If Imposed,apposein the Sumrnegy d Feessoa "AtinimumInterestChaigg or 11inhnum Cliarge? Pleanareferto yourCanimaneerAgreementfor addBonalInformationaboutthe termsof yourAccount. Credit BureauDisputes: IIyou hellegethatanantrywa havemadaen yourcodit bureau repost1sinaccuratecr Incomplete.pleasecontactthe reportingagencydirectlyor contad us at Ced Senicas,PA 8m 8806WIbnlhglon,(3Ili19899.4801,Flanamindude yournames *2018BerdaysIlank Delaware,memberFDIC youreconuntnumber;theandR repoIllngagencywhereyouseentvad thehulamurepont:a desci km orthe ener: andwhy youballevaIt Isanoner,Wewill gromptlyInuseligele, nolify youof our findings,andsendanupdateto theandNbureausII wammledwithin 30 What To no 17YouThink You Find A Mintake OnYour Staternent 15youthinkthere18en enor on youratatement,wthe to us at• Ced Savices PA Hog8802 WEnington,131E198994A02. In yourlenar.givaus the folkming Information: • AccountInforrnatient Yourremaandaccouninumber. a Dollar amount:1he dollaramountof the suspedederror. e Description of problem: IIyou thinkthmeInan anor onyourbll, deemtiewhat you believeis wrongand why youballegeit Ina mistake. Youmustcordeduswnhin60 daysaRertheerroreppearedonyourstatemonL Youmustnonryusef any potentialenersfrr Wrfifrg. Youmaycall ue,hut Wyoudawe ore not inquiredin imeetigataany potentialenousandyou mayhavato paythe smountIn questkin. Whitawe invas5gatewhetheror nel therehasbeenan enor, the fottowingaretrue: • Weconnottry to cobactthe amountInquestion,or seput youandennquentonthat emounL • Thedisge in questionmayremainonyourelatementandwe maycondnueto dungayou Intereston that amount.But If we determinethatwe rnadea mistake, youwill nothaveto paythe emountinqueagonor anyinterestorotherfeanrelated lo that emounL • youde eat haveto paythe amountIn queens, yanme unspossllietor the Wh1In eIyour tiesence, semainder • WecanapplyanyunpaklemoutilagetnstyourcredRlimit. YourRights If You Are DiamatistedWith Your Crad1tCardPurchases _ that300bina pulchasedwith yourmedh It youagedhaidlalledwith thegoodser sendees enth andyouhavetried in goodfa1thto cosmetthe problemwith the melchant,you enay ime the rightnot to paythe remainingamountdueon the purcheeet Tousethla right, all of the followingmusttietrue: 1. Thepurchesemusthue beenmadain yourhomeslalacr within 100tageseIyour curient memngattirees,end the punfinaepdoefnusthavabeenmorethan55th (NotalNetherof theseare r=aeearyif yourpurdtesewasbeaedonan advertisement we malledto you,or Ifwe ownthe companythat soldyouthegoodsor servical) 2. Youmusthaveusedyourcreditcardfor thepunmasaFuntancemadewith cash advanese tom anATMor with a checkthat yourcreditced econuntde not quallIy. 3. Yournuetnot yet havefully paldfor thepachase. If ell of thecriterleobovearamet andyouare$18di•merl•Rad whh the purchese.contactun Ist writing at: Cad serviess PA Box8802 Wilmington,0E19809-8802. Vrest BarclayeOS.comor use theBarclaysMobile App 8 of 8