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  • Americu Credit Union v. Raychella S HamiltonOther Matters - Consumer Credit (Non-Card) Transaction document preview
  • Americu Credit Union v. Raychella S HamiltonOther Matters - Consumer Credit (Non-Card) Transaction document preview
  • Americu Credit Union v. Raychella S HamiltonOther Matters - Consumer Credit (Non-Card) Transaction document preview
  • Americu Credit Union v. Raychella S HamiltonOther Matters - Consumer Credit (Non-Card) Transaction document preview
  • Americu Credit Union v. Raychella S HamiltonOther Matters - Consumer Credit (Non-Card) Transaction document preview
  • Americu Credit Union v. Raychella S HamiltonOther Matters - Consumer Credit (Non-Card) Transaction document preview
						
                                

Preview

FILED: ONONDAGA COUNTY CLERK 11/01/2021 01:42 PM INDEX NO. 008820/2020 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 11/01/2021 1918 Black River Blvd c - e. . o - . . Rome NY 13460 (at5)s584000 Express Apphcation Individual Credit You muSt complete the A scant Secuon about yDurself and the Other section about vour ouse If 1 you hve m or the property pledged as c lateral 15located m a communay property State (AK AZ CA ID NM NV TX WA Wi) 2 your spouse wdl use the account or 3 you are rel ng on your Spouse s income aS a basis for re yment If you are relymg on mcome from alimony child support or separate mamtenance complete Other secuon to the extent possible about person on whose payments you are relymg Jost Credit Each Apphcant must mdividually complete the appropnate secuon below If Co Borrower is spouse of the Apphcant mark the Co Apphcant box Guarantor Complete the Other secuon if you are a guarantor on an accoungoon Check below to md:cate the type of account(s) and type of credit for which you are applyutg Mamed Apphcants May apply for a separate account 2 LOANI.iNERAccountlI.oan Individual O Joint (Inclu&ng ATM/Debrt Cant Access to the Account if Avadable) ® Personal O Busmess Amount Requested S 16 924 oo Repayment T2 months PurposelCollateral 2013 GNC TERRAIN FND 4DR SLT W/8LT 1 1111r JT‡O Are you interested in having youf loan protected? OYes @No "' -If you answer yes the credit union will disclose the cost to protect your loan The protection Is voluntary and does not affect your loan approval In older for your loan to be covered you w:il need to slqn a separate application that explains the terms and r.s Regulation 8 Notsce Required for Jomt Application (Intent to applvjointly must be shown by rrnualmg the knes below) We mtend to a for Jomt Credit A licant Co ApDITcant NAML NAAll RAYCBBLL1L 8 HANZLToN MAIDEN MoTHER'S NAMk ACCOuNT NUMBER MDTHER NAME SMAIDEN AUcuuN1NuMISLR snrea.enum an"9ER oRIVER S uCENSE NuMBEIUSIATE SECuRlry sOCIAL NuMBER oRIVER 5 uchNhtNuMBUUSIAHL HoMEPHoNE CELL PHOME SustNEsSPNoNEfEXT atRTH oATE HoMEPHONE CELL PHoNE BusiNEsS PHoNDEXT (315) 572 7310 (315 ) 689 3924 AcoREss EMAIL EMN[A unet ty tat P oWN RENT PREsENT SweetCRy State Zip) AcoRESS Q oWN RENT 14 WARRENAVB AUaURN NT 13021 1 yr (a) oWEoTo MoRTGAGf)RENT MuNIHLYPAVMENT INTEREST RATE MuRIUAGE aALANct MGif.W enfMENT INTEREST RATE S S 375 co % 5 S % FORJotNTCREoffs uREoCREolf IFYOuLiVE(NAcoMMuNITY CoMPLETE PRoPERTY CoMPLETE FoRJ CREDIT uREoCREDIT IFYouuVEINA coMMuNITY STATE MARRIED SEPARATEo uNMARRi£o lSngle o orced Wdoured) PRoPERTY STATE MARRIEo SEPARATEo uNMARRIEo(Sngie D scedwd moup IMPl'OY O ENMN E NAMEAND T888Y PrdSTIc8 NAMtANo oF AooRESS or AoDRESS EMPLoVER EMPLovER STARToATE10/ 4/2014 ARTDATE NoTICEAuMcNYcHILoSUPPoRT oRSEPARATEMM CEINCoMENEED NoTBE NoTICEALIMcNYCHILosuPPoRToRSEPARATEMAINTENANCE (NCoMENEEoNOT8E tFYou DoNot CHoO5E REVEALEo To HAVErr CoNStDEREo ASA BAsisroR (FYOuco NOTCHOoSE REVEALED To HAVE17CoNSIDEREo ASA aAslSFoR REPAVING THISOauoATroN THISoBLIGATioN REPAVINo EMPLoYMENrINCoME ofHERINCoME EMPLoYMENTINcOME OTHERINCoME s 2 928 co Permonth S Per S. ¬ Per __ ______ $ Per O NET @ oROSS SouRCE NET oRoss SouRCE EMPLoVER PREvious NAMEANDAoDRESSIFEMPLOYED LESS THAN STARTING DATE PREviouS EMPLOYERNAME ANoADoRESS IFEMPLovED THAM STARTINo LESS oATE TWoYEARS TWOYEARS ENDiNo DATE ENDING DATE sy OHIO RESIDENTS ONLY The Ohio laws JuleSs the Credit Union IS fum:Shed a copy of the a eme-nt statement .w .: : againSt discnmmation require that all creditors >r decreo or has actual knowledge of its terms fore the credit IS make cred t equally available to all creditworthy customers and that creda . anted or the account is opened (2) Please Sign if you are not applying reportmg agencies maintam separate credit histoneS on each mdividual or this account or loan with your spouse The credit bemg apphed for if upon request The Ohio Civil RightS Comnussion adminsSters compliance Jranted will be incurred m tne mterest of the mornage or family of the with this law mderstgned WISCONSIN RESIDENTS ONLY (1) No ovision of any mantal property g agreement umlateral Statement under con 766 59 or court decree under Secuon 766 70 will adverSely affect the nghts of the Credit Union IX ..bdÉT!iB¾-' ' th t Sh¾ / Ï3dSlW . .MSIGNATURES ' . - VWW11È.- 3* You pronuse that hi have stated m this application is correct You understand that the Credit Umon will rely on the :-fr-; = m this to the best of your kn If there are any important changes you wsil applicanon and vour credit report to make its dectston If you request the notify uS in wnung immed y You authonze the Credit Union to obtain Credit Union w:8 tell you the name and address of any credit bureau from credit reports m connection with this appircation for credit and for any which it received a credit report on you it rS a enme to witlfully and update mcrease renewal extension or ton of the credit received dehborately provide mcomplete or mcorrect information on this and for other unts pr c we may offer you or for applicanon which ual X _mAu S F oTNrRSinNATURF DATF o CuNA GRouPe5 200o01 o3 o4 of 12ALLRioHTS REs£RVEo itNVA£2 e (AXX53a) FILED: ONONDAGA COUNTY CLERK 11/01/2021 01:42 PM INDEX NO. 008820/2020 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 11/01/2021 Who LINSTAUlENT RETAI CONTRACT "y • si'v'fam'"'m°lm"fe'se'suTamUse"'rglfaE"B"Eda.mpse ANNUAL FINANCE Amstat Fesaced Total ofPaymmits TotalSalePnce PERCENTAGE RATE CHAll6E sment The dmet 14e ImeInn din sesent 1InInatcutdmypudenm Itsggaganaggg 13,degu assust the lesisaronmy Ihave sD made mydumpsymmi emetinciséss ralt asayendr creetmil cast me 93r8888 of: 500 GS 9 BB g $ 6253 28 s20674SS $2692728 : 27427 28 MrParount scheduk milto smams abase $xantyIsmgmasaseamiy steretmtheactswhdst gguchggal iliefPadgels Ammale1Parsignh Due IngsPamptAre _ _ IdusIces s N/A gasrdian s issmasco N/A 77 : 171 QQ Ibmdytetsman 11/19/PS17 tats B round amUn abstoasddsIseto Is ff/h mselypausts500pm usÊgagent AIpysesadr1ssagitmesprya Prapquest psedy h=•" sisbeve MrCo$uct ededenalislanamins abmit suspermmt dutultany Integul theseedsimi mfesbefore rupsyment date and papsymed fgigads andpensbes atuteses Tto0sitrac1 and Asdedsmiss sdler SUNAUTOWARE SE annbeen assesbysenu$stra mmapIts IbssusuRA1ARFWFR DRr'TrFDr) NY 11M'en Custrut An sesamed to01s Inlet AABm biiCals RAYCHELLAS HAMILTON nmus a must usames sub dusedbe Veerandmatesenas 0sev Shis Hecul 7:ughTeefspacil semI Number Date 19hs5/EB17 11 dit1 flNCTFRRATN ItURN4 3773 2GKAL IIFKGD62918 47 ; Itsmirabon ofAmount Fmanced Essesse DAT OPS OAleFldIbde Opur _ !CshPnce ada DAC OPB OPW 457si7 59 IaneImind m asIgesengisburs -s 508 GB Year andMabs 0surgbon Trade is 1am requesdisablms and sotheCdbtmi agaitaminsurance andermal bpretsci mhas yea psyteBUT IAmyCHD05E vainsifunds la THE 01182011ER 0FMY CII0tCE -s N/A TlRE HotDER DFC 00A1111ALIt&Y,CliEL LA S HANT LTON REGIslRAIRAYCHEL 1.AS HAMIL T ON tarsPaysA to PHrslCAL DAIMGE Comprobemne3 5813GB calheam3 508 88 damseth +g N/A INIUltMICECDitPANPitGGRFEST VE Psscy Eductne 0sedB/95/2017 tisped CashPace Basse AGENT lanad‡0t:RESST VE Addns: (..,- Diagnone asatb(§§R).ggg- 14I •$5267 59 Igarassesmat meregmed== esverap asasonmastesrancelimssmanam sectonsesabased ham Ibnauntsasud alms faCmid immance Campany' Msmance 1.IslMlily cQV8ragB forbodily mpltysadpr0perty disage mInstscltidedofprolmled formlbtsContract 2 +s N/A Tumbs asushh!msttemsms nonbos achects5 yea rasse inslars Sads II8mslhumenceI dams thepumn •!sit Himensigs say wass TamfersIsWe hingrestbarenceambeablamed aggrants aisthesisgn1samidasAmese mysmugg arelentend 3 +s 175 SS stsmsd prup yes t he e astsisuch suprances: 781.clcl ToPable 0mcmb Pigsms rePayIpicage Inpy |theAugnes ) theTatalashPnts brtheVsaclema Ibscostdoespsyment asmpingDe 4 +s 121 88 Tendeladsheun above sost sisdamel thetestructandpaymg yestbnAmenit pis:tbscudd asmcschary |cste4 ingesit mlbnCu@actl attheAsnud Persentass abses Itate absus I passetoantspaymesh soerbelse Ibspaymestdue dsts abous istbsPaymentSchedult ateve .5 +s 3589 SS TAK--- SALES * AMERICU CREDITUNION1916BlackRiverBlvd RomeNY13440 a +g 1535 41 si [s • REQUEsTARo sCKEDUtt ofsnourinsUtattCE I ademed tkt asspCredd LaImmance andGnmpCattAudmi assHeal3Inmance arenhalerFusareasiregend maban 7 +: 75 As ashesIInsther v•hhadtilstImay anuthsI sulNt aUses bprends timarousp Amesat Fmaned 11Iclserisbecame asualI salerstand astmurance mebepnmded maccentucewebthecerlecsts dsreup esurance matusbe g,, yp,g3g674 gg tutetomeI thestserve assubt totenusatemycontrise atanyeme yesusants:The bynoblying coll3Omigrance f theintre g 10I israerIbstanmeabson lielso Issesyuneasse apasedibus suse 11rANT agnund tmde thoup talslaunace s N/A esym Inmrad spsissiap O WE IGIlleptead Cuda Grasp knittste Insenses s M/A laured cm ssesan Berm sp agtmel IWANT Grgup Hush Acadangand Insurants 3 N/A lisiiñiiesesure soutme siCoearstFar jestta ady) Imam up Amiorins N/A semnly Aposmast As ter securnythe CaesctGop nsect i you fIdes t Ipes psy) y ou a secuntystmsl mthe Vsfacis bemspersbmedAtecsfity edmamosas thatdans siIbt see stdefult accumves essabsmeresum andundscates esaman oroussismsscoe. hayaspramedmthenuintocemed arunand Permost memsis nassensu actmm soasbuddmecuent Vebeh manadedsbus 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mated Anyusseenly aa rr per sM son underto : 5 CD$16EER NOTICE I agreeto paythedebtIdentf edabovealtlioughI maynotpersolwily receive or moneyI maybesuedforpayment saypropertyservices silhoughtheperson whoreceivesthepropertyservices ormoney mcapshle of thedebtTinsnotles isnottheorrating meto thatobligates paythedebtI should knowtint theTotalofPayments above hsted doesnottocle Fm:cco Immdalmquency Clegesresottrog lateclerges r costscostcostsorsttomers sicoorfor:closure fossorotherclingnsthatarestated mtheContract I milslso6:veto paysomeor et ofthese costsandclerges bythetermsofthsContract asrequired If thedebtis evermdefanit thatfactmay become apartofmycredit repoIt1have readtheRetail lastalment which Contract centsmstheesset tumsofmyobligation sadtheCoSigner(s)Nobce been I have givenacompleted copyofthmNoticesadeachmitmg thatobhgatesmeortheBoyeronthisContract cmsausassubss on cesuseasenstra coslastsIssomosEnniur 1ocosissHAsortstrosE sortEE THE IIGMsg Costomis gamerrerrr I aspman cosiOsitssterrmvirr (orpanone sense helps asreEgnerpeons b mysoyes assums duesoasCastract amitogastraasam-owathsCunnctI mbehpsybesel usians byaslbstmasalAss cseactsuguratelytopourwith sad Ibs8symIsamabing lbsgramumBaduce yge seth mcatellasCubsa me8synsong yesadmethepecueds massh hrgogeyer enly sbensbtIages aves topsy mangbresmar sethave sayIserdemnd meet bypsymnal soasBoyer your asuerceed amenty iabsactnes1edp missent reconsg acompleted copyastbscustrad Ïs-signer steates Addrea ons sulair CO ssignature Address usis solicEstsstvissEslDIfosImposTAir EleanATlot c ore massshegues coury susrst scurv opyaseaces casiuse suanersreensur sihumor sewages 3ses sees a Te ssessene s4ss susum arr25ECIt exisQsessess FILED: ONONDAGA COUNTY CLERK 11/01/2021 01:42 PM INDEX NO. 008820/2020 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 11/01/2021 .. . . . IIcethefemate Charge IsFigured TheTanate Charge shchcensch orjyglatecosttel leDemand Parment aIslI Upon meInflousig seents cideluttreuusrecure tnal has been computed uponme boys Ibatgedpayasmetments onthetebeduled due theentre bahnce elmytianbepadstonce adbeal engr asMe erdersend datnItany milaspent 4recceed talerthus mescheduled due date I mitbestigated to I Aaramgpl eveg gnder theCaesteracrcmer amstI eme resaom mametotgre pay actsaddcoall amounts asmay tecesne payable ty nuenoftheactrast $1sterest aactpod tytheday dtecsacs due g ca'culatesdady spen theUspad battace sttheAspJult financed mmeauntInganr 2 Itrulsuclmypomets under gas CooIract ce milalluest omade e adespot GImeseledated dogdate theariterest pargueinto 3 Ihave eude any eate mmalesang NHynect cepeCemysl esFM ceda agglcaMA ce sedsced accuikegly Ibesmoget atIts:decrene ceecrNW Wdi beIsliccted amelinal 4 Your assie does nctaggear ulhaonly tesadds (ctess)enzny entficule elesieassed payment I stalbase thea t mplepar 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masse asuredure seenseqWr popest $5comeine eneth peased stara len'an or*=r totensnactcause traarctectdran oremn danIsawyou assrment elarebigam 8,e,'''"*‡,"",'enue mainted in/bovesarredent .nwearam.--.e..dt..aia,ans pay ,.,ammeCeaCu,ed Ibght letopsisess Teu c an r epossess the Vehcie dsee Wtheenets etdernIt pggg Itals) IIjuuIneasallpuer * S""3 s Afterar ednt I wd 4stlution Costs InOnpg a.lapset tosongst seramesel e•et denspevehcre spos your aquet a res naento m preams ameaausaad ends esentract Imepergue titimurtfuses u15% citheamalat desalle siss ''' 4f'''5'stasSwansed puseed earcourmetevereedemmram assceds machinmemmcasnesemaifams byhugand stvktIeve eam stilem Tande aterceponessee andapply theproceeds Inthetalance feymMt AfterAIIAmeests geog secome lspedestetr OneUnder argarcresalusces aner deduccag your remonable regnusnoo nuage resse peppatee is nItand seacandicts ea asseats eveg sedume ceilian imacdistair duenrsedeadas seaeg ageems ree =ssendmemasable once nysud d say w iralise 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ty)iesTort tasexcept bra comflst dles sedu soetegates v estee regracemset insurarce ween weabe potecl asetrses% M pomens IIsarpuppun alound totoapef fecoveinlerear trepreggishes therusandr III3UllANCE YoU fUREIIA5E st4Y SEtiGNirtCalitty HollE EXPEN$tVE AND filoVEDE IEE •4stsbeteeny and elfectme (Es5 CDrERAGE III8N UISUIIAIICE ICCill0PUllofASIItvEEL, Asy ascvel psadvance Ukeedl lifowagreceMnotçpplymairyultinaba gmpanond tamer aacuated toucseed tyDeWMie and astesaticct toaintance Charte alineAmsd Percentap CONSUMER CONTRACT ISSUiUECT ea etinecontrut atnet=ea neadvance I eatomoved a assesder sphomiis NOTICE ANY HOLDER OFTHIS CREDIT vererasadruce 10ALL CLAIMS AND DEFENSES WHICH T HE DEBTOR COULD ASSERT It efasashmiandays ettheagese ADAINST THESELLER OF600DS ORSERVICES 08TAINED PURSUANT 68**'t 8'5®3''''"'tMrmUd HERETO OR WITH TMPROCEEDS HERE0F R ECOVERY HEREUNDER SY aram n anninty percent oremonit reno.mg payment elanomu EXCEED AMOUNTS PAlDBYTHEDESTOR THEDESTOR SHALLNOT putdavalatie n adstest asattgy payments asiesteedmg peponthly persectsque HEREUNDER seder SeCUADKl waarMDel andImpressetahess I ustriant andlepletent