On February 15, 2023 a
Party Notice
was filed
involving a dispute between
Citibank, N.A.,
and
Jack Lavigne,
for Other Matters - Consumer Credit (Card) Original Creditor Plaintiff
in the District Court of Clinton County.
Preview
FILED: CLINTON COUNTY CLERK 03/20/2023 03:11 PM INDEX NO. 2023-00023103
S)Y94F COURT COUNTY OF Chaty Part:
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/20/2023
WRITTEN ANSWER
Plaintiff(s)
-against- CONSUMER CREDIT TRANSACTION
Defendant(s) Index Number: n7 |o3
ANSWER: (Check all that apply)
1. O General Denial: I deny the allegations in the Complaint.
SERVICE
2. I did not receive a copy of the Summons and Complaint.
5
3. ¤ I received the Summons and Complaint, but service was not correct as required by law.
DEFENSES
4. It is not my debt. I am a victim of identity theft or mistaken identity.
5. I have paid all or part of the alleged debt.
6. I dispute the amount of the debt.
7. I had no business dealings with Plaintiff (Plaintiff lacks standing).
8. There is no record of plaintiff having a license to collect debt (only for cases filed in New York City, Buffalo and
other municipalities requiring debt collectors to be licensed).
9. Plaintiff does not allege a debt collector's license number in the Complaint (only for cases filed in New York
City, Buffalo and other municipalities requiring debt collectors to be licensed).
10. Statute of limitations (the time has passed to sue on this debt).
11. This debt has been discharged in bankruptcy.
12. The collateral (property) was not sold at a commercially reasonable price.
13. Failure to provide proper notice before selling collateral (property).
14. O Failure to mitigate damages (Plaintiff did not take reasonable steps to limit damages).
15. Unjust enrichment (the amount demanded is excessive compared with the original debt).
16. O Violation of the duty of good faith and fair dealing.
17. O Unconscionability (the contract is unfair).
18. ¤ Laches (plaintiff has excessively delayed in bringing this lawsuit to my disadvantage).
19-a. O OUTSIDE OF NEW YORK CITY ONLY: Lack of personal jurisdiction under Uniform City Court Act § 213 (applies if
you do not work in the city where the case was filed and you are not a resident of that city or (for all counties
except Westchester and Nassau counties) you are not a resident of a town next to that city within the same
county).
19-b. O SU FFOLK COUNTY: Lack of personal jurisdiction; the defendant is not a resident and/or was not served in, or
there was no transaction of business in, that portion of Suffolk County for which a District Court has been
established (Towns of Huntington, Babylon, islip, Smithtown and Brookhaven).
20. O Defendant is in the military.
OTHER
21. EOther Reasons } 8LLP3f)O úr)R h A
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22. Please take notice that my only source of income is 4 er / / pi e , / , which
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is exet pt from collection.
COUNTERCI.AIM(S) l X / )
23. O Counterclaim(s): $ Reason:
n- t t n fr· 'P'S
VERIFICATION Notary Public State o New Ybrk
04BU6442806
C 1. r w QuaRRed in Clinton County
State of New York, County of 7 a m/ ss:
cw %ces ( .rm c,pE , being duly sworn, deposes and says: I have read the Ans r g aI
the contents to be true from my own knowledge, except as to those matters stated on information and belief, and as to
those matters I believe them to be true.
Sworn to before me this .S o day of gigTV ci , 20_&].
//
ignat re
Notary Public Defendant's
Address: A A # p a a $8ts RG H ,
my
This case is scheduled to appear on the court calendar as follows: / ,24 0 )
Date: Part: Room: Time: Both sides notified: Yes No
UCs-CC- visedQ11/15)
1 of 1
Document Filed Date
March 20, 2023
Case Filing Date
February 15, 2023
Category
Other Matters - Consumer Credit (Card) Original Creditor Plaintiff
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