Preview
FILED: CHAUTAUQUA COUNTY CLERK 01/05/2024 11:42 AM INDEX NO. EK12024000039
SUPREME
NYSCEF DOC. COURT
OF THE STATE OF NEW YORK
NO. 1 INDEX # RECEIVED NYSCEF: 01/05/2024
COUNTY OF CHAUTAUQUA SUMMONS
_______________________________________________x
WESTLAKE SERVICES, LLC, PLAINTIFF'S ADDRESS
DBA WESTLAKE FINANCIAL Plaintiff, 4751 WILSHIRE BLVD
SERVICES LOS ANGELES CA 90010
X
-against- DEFENDANT'S ADDRESSES
TAYLOR M PICCOLO 2 HOLLY DR
SCOTT M PICCOLO Defendant(s). LAKEWOOD NY 14750-1820
_______________________________________________x
CONSUMER CREDIT TRANSACTION CODEF- 447A KING RD
FORESTVILLE NY 14062
THE BASIS OF THE VENUE IS:
A DEFENDANT RESIDES IN THE COUNTY OF CHAUTAUQUA
THE TRANSACTION TOOK PLACE IN THE COUNTY OF CHAUTAUQUA
TO THE ABOVE NAMED DEFENDANT(S): TAYLOR M PICCOLO
SCOTT M PICCOLO
YOU ARE HEREBY SUMMONED TO ANSWER THE COMPLAINT IN THIS ACTION AND TO
SERVE A COPY OF YOUR ANSWER ON THE PLAINTIFF'S ATTORNEY(S) WITHIN
20 DAYS AFTER THE SERVICE OF THIS SUMMONS, EXCLUSIVE OF THE DAY OF
SERVICE (OR WITHIN 30 DAYS AFTER THE SERVICE IS COMPLETE IF THIS
SUMMONS IS NOT PERSONALLY DELIVERED TO YOU WITHIN THE STATE OF NEW YORK).
UPON YOUR FAILURE TO ANSWER, JUDGMENT WILL BE TAKEN AGAINST YOU FOR THE
RELIEF DEMANDED IN THE COMPLAINT, TOGETHER WITH THE DISBURSEMENTS OF
THIS ACTION.
DATED THE 7 DAY OF DECEMBER , 2023
FORSTER & GARBUS LLP
FILE NO. ATTORNEY(S) FOR PLAINTIFF
DSQP687225A 2950 EXPRESS DR S, SUITE 100
ISLANDIA, NY 11749
(631) 393-9400
NOTE: THE LAW PROVIDES THAT:
(A) IF THIS SUMMONS IS SERVED BY ITS DELIVERY TO YOU PERSONALLY WITHIN
THE COUNTY OF CHAUTAUQUA YOU MUST APPEAR AND ANSWER WITHIN 20 DAYS AFTER
SUCH SERVICE: OR
(B) IF THIS SUMMONS IS SERVED BY DELIVERY TO ANY PERSON OTHER THAN YOU
PERSONALLY, OR IS SERVED OUTSIDE THE COUNTY OF CHAUTAUQUA , OR BY PUBLI-
CATION, OR BY ANY MEANS OTHER THAN PERSONAL DELIVERY TO YOU WITHIN THE
COUNTY OF CHAUTAUQUA YOU ARE ALLOWED 30 DAYS AFTER SERVICE IS COMPLETE
WITHIN WHICH TO APPEAR AND ANSWER.
ORIG ACCT# END IN: 1959
DSQP687225A 1 of 17
Page 1 of 3
FILED: CHAUTAUQUA COUNTY CLERK 01/05/2024 11:42 AM INDEX NO. EK12024000039
SUPREME
NYSCEF DOC. COURT
OF THE STATE OF NEW YORK
NO. 1 RECEIVED NYSCEF: 01/05/2024
COUNTY OF CHAUTAUQUA
_______________________________________________x
WESTLAKE SERVICES, LLC, COMPLAINT
DBA WESTLAKE FINANCIAL Plaintiff,
SERVICES
- AGAINST -
TAYLOR M PICCOLO
SCOTT M PICCOLO Defendant(s).
_______________________________________________x
PLAINTIFF, BY ITS ATTORNEY(S), COMPLAINING OF THE DEFENDANT(S), UPON
INFORMATION AND BELIEF, ALLEGE:
1. THAT THE DEFENDANT(S) RESIDES IN THE COUNTY IN WHICH THIS ACTION IS
BROUGHT; OR THAT THE DEFENDANT(S) TRANSACTED BUSINESS WITHIN THE COUNTY
IN WHICH THIS ACTION IS BROUGHT IN PERSON OR THROUGH HIS/HER AGENT AND
THAT THE INSTANT CAUSE OF ACTION AROSE OUT OF SAID TRANSACTION.
2. DEFENDANT(S), FOR VALUE, ENTERED A WRITTEN RETAIL INSTALLMENT CONTRACT FOR
THE PURCHASE OF A VEHICLE. THE RETAIL INSTALLMENT CONTRACT HAS BEEN ASSIGNED
TO THE PLAINTIFF.
3. DEFENDANT(S) FAILED TO MAKE THE MONTHLY PAYMENTS AND ALL SUMS DUE HAVE BEEN
DECLARED DUE AND OWING.
4. THERE REMAINS AN AGREED BALANCE ON SAID ACCOUNT OF $ 9,522.80 DUE AND
UNPAID ALTHOUGH DULY DEMANDED.
5. DEFENDANT(S) IS IN DEFAULT AND DEMAND FOR PAYMENT HAS BEEN MADE.
6. A COPY OF THE CONTRACT OR OTHER WRITTEN INSTRUMENT OR CHARGE OFF STATEMENT
UPON WHICH THIS ACTION IS BASED IS ATTACHED HERETO.
7. INTEREST IS AT THE CONTRACT RATE OF: 9.00%.
8. THE NAME OF THE ORIGINAL CREDITOR IS: WESTLAKE SERVICES, LLC,
DBA WESTLAKE FINANCIAL
SERVICES
THE ACCOUNT NUMBER ENDS 1959
THE DATE OF LAST PAYMENT WAS ON OR ABOUT 04/02/2021
THE AMOUNT OF LAST PAYMENT WAS $ 197.22
9. THE BALANCE DUE IS ITEMIZED AS FOLLOWS:
i) Principal $ SEE ATTACHED
ii) Finance charge(S) $0.00
iii) Fees imposed by the original lender $0.00
iv) Collection costs $0.00
v) Attorney's fees $0.00
vi) Interest $ SEE ATTACHED
vii) Other fees and charges $ SEE ATTACHED
2ND CAUSE OF ACTION: PLAINTIFF STATED AN ACCOUNT(S) TO DEFENDANT(S) ON OR
ABOUT 07/31/2021 WHICH WAS HELD BY DEFENDANT(S) WITHOUT OBJECTION.
THERE IS NOW DUE PLAINTIFF FROM DEFENDANT(S) THE AMOUNT SET FORTH IN THE
COMPLAINT, NO PART OF WHICH HAS BEEN PAID, ALTHOUGH DULY DEMANDED.
DSQP687225A 2 of 17
Page 2 of 3
FILED: CHAUTAUQUA COUNTY CLERK 01/05/2024 11:42 AM INDEX NO. EK12024000039
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/05/2024
WHEREFORE, PLAINTIFF DEMANDS JUDGMENT AGAINST THE DEFENDANT(S) FOR THE SUM OF
$ 9,522.80 TOGETHER WITH INTEREST AND THE COSTS AND DISBURSEMENTS OF THIS
Tess E Gunther Michael Florio
WE ARE DEBT COLLECTORS; ANY FORSTER & GARBUS LLP
INFORMATION OBTAINED WILL BE USED ATTORNEY(S) FOR PLAINTIFF
IN ATTEMPTING TO COLLECT THIS DEBT. 2950 EXPRESS DR S, SUITE 100
ISLANDIA, NY 11749
DATED: THE 7 DAY OF DECEMBER , 2023
PURSUANT TO PART 130-1.1-a OF THE RULES OF
THE CHIEF ADMINISTRATOR THIS SIGNATURE
APPLIES TO THE ATTACHED SUMMONS AND
COMPLAINT
DSQP687225A 3 of 17
Page 3 of 3
RETAIL
INSTALMENT
CONTRACT
SIMPLE
FILED: CHAUTAUQUA FINANCE
CHARGE
COUNTY CLERK 01/05/2024 11:42 AM INDEX NO. EK12024000039
Dealer
Number Coritract
NumberN/9
NYSCEF
Buyer Name and Address
arid
DOC. NO. Co-Buyer 1Name arid
and
Address Seller-Creditor JName and Addres ) RECEIVED NYSCEF: 01/05/2024
(incluiding
Couoly Zip Code) (including County ZipCode)
TRYLOR MPICCOLD SCOTT MPICCOLO . SNORAC, LLC
538VERSAILLES RD 447R KENG RD 6755Tran sit Rd5
Ir ving, NYg14081 Forestville, NY, 14062 . EastAsherst,NY, 14051
ybu, theBuyer (and Co-Buyer, ifanyL may buy Ihevehde belorr lorcash oroncredit. Bysigning thiscontract, you c''we"
hoose tobuy thevehicle on
credit under theagreemerds onthefront and back ofthis contract Wuagree topay 1he Seller -Creditor (sornelimes ar"us" inthis contract)
theAmount Financed and Finance Change inU.S lunds according tothepayment schedule.below. We willligure your finance charge onadaily
basis. The Trulh-In-LeUiding Disclosures below arepart ofthis contract.
Make
New/UsedfDemo Year and Model VerMcle Number '
Identlricallorn Prirnary Use For Which Purchased
Persmat, family.orhousehold unless
elherwise IndIcated below
Used 2017 1a&2 Obusiness
Oagricultural . O N/A
FEDERAL TRlTH-IN-LENDING DISCLOSURES Insurance. Youmay ëuy the presir.eldamage insurance
ANNUAL FINA. NCE Amount Total of Sale siscenlract
stal requiresÆes bm:In trom an you choose
PERCENTAGE CHARQE Financed Payments Pdom who eller
1aseeptable
insurance
to4,wn
toattain
are
oredIl
mt ul tobuy
un1sesindicalmg aig
RATE The dollar The arnount on The amoSt you The total
cost-orwndor's Single
Interest Insence Inrecluimdischaelaid
The colitof emoung trte oredR provided willtleve paid alleryour purstiase·on belom
ytiur
of.udItas oredit will toyou or you have made all cledlI, ktcluding Itgny Insurance or
8yearly rage. cost you. onyoigr behalf,paymerits as yourdown Carlifishis fiom thenischeded
amed belon,
insurance pokies will
. .
.scheduled.payment
. . ag· 3500
o describe eis termsand concilies. . annpenies
24.BBg g 13977. 52 g 14722. 40 g 28699. 92 32199, 92 check toinsurance you wamauleign belem
Your Payment Schedule WillBe: (e)means anastlmate Optional Credit ins,unmco
Neriber of Amouril of Whom P OCres Ule:OBuyer OCo-Buyer OBolh
Pugments , Pgynards Are'ments · OCIInit-DIgablllly: OBuyer OCo·0uyer OBde ,.
7E M M Monthly beg1ming Prents:
clea ule $ Mrn
N/A N/R Cam Dhabilty $ M. T .
N/R
OrAsFollows: gfg -hewance
. N/A
Company Name
Home OMce Addiesh-EB------------------------
N/A
oredt me insurance and ciedl1dleetniy movrance are
not sequiredio obtain omdit,Wur declainnia buy ornut
buf credlllife
insuraxe.and credit anabilllyInsurance
Lele.Charge. IfpaymoUit isnot receiviidinfulwithin ---1L-. days aher itisdue you will
pay a191s chamewlA metbealector Inthe omdit approval process. They
ofg ul0 er H %ofthe part a1the payment tlist
1s late,whidi veris cresler wIII nottoplovided unless you eign maagme topay
Pupsyment Ifyou you oct
will have 10 aperially, toendra cast IIyou chooss this 'me ance,the cost le
pay early, pay thcWN inkm4Ad to Remigallon of.Arnount
hitnest
Assurity tuare gi ang securhy Inlarest Inte·vsNcle beingpurchased . Firginced. Ciedi1 fleI.nsurance .isbased onyour .
Admhmel blonnegon: See INs contract 1ct mois Wòrmation Induding Informafenabout noripayment, crlghwpayment schedule.Thle Ibsurance may not
doinult,
any required repayment infullbehne the adieduled date and accurily Irneuest. allyou one crIbiscontract Ifyou make late
pnerease .
Credit Insurance
disability does n6t cover any
ITElltZATlDN DF AMDUNI FINANCED iriyour paymerit orinthe number of ls,
1Cash Plice (locluding$ * sales lax) $ 0) · Coverage torcredh 1518 Insurance and creditdemblllly
2WDowripaymenl= Insurance ends onthá origrtal due, date lorD tlast
payrnent unless adifferem lerm kirthe ingiurance la
Wur trade misa¶nar Make Model Vehicle IchntNich1ion shown belon
No.
G1ces Trade-Ir>
ABosance $ N/A
i.ess Priortedm eLr ease ealaIce (a $ N/A
Equals Ne1 TradeIn Mfa 01her OpHonal Šnsurance
+Cash $ NMRRM D1 fD
fP8
N/G
Thrm
+other UA $ hi/q
+OIherN/A $ N/A . Premiums N/A
(trtotaldownpayment Innegallas,enter'O'and see 41 below) $_ ..; RR.. DImp)inscience Company Name J/.G ....
aUnpaid Balme ofCash Price (1minus 2} 1' PRRTm .. /q
40mer Chaiges Amounts
Including toolhers
filla on 'rburBehalf Home 01fu:e Addiens ":
(Mer may legepparlofIbeseamm1s) . N/A
ACost arOplianal Gmit Insumnce .. O...... __aI ra -, ---
Paidio Insurance Company cU C dmpanlm - - TM s
Ulm .....J... 1..........:.............J1/R. Premium $' Name·
DisabilH $ N/A N/9 hswa r;eCompany NfA
Bhdog's Single Inlemst In9umnoe Paidio Irisurance Co1Ipany N/A .
COilar Optiomd kmurarm NdtoInsurance Corrr eny orCompanies $ M/A Meme Olike Addlear ' '"
Ofees Pald toGoernment Agendes
to N/A lorN/A N/A microplionalinsuramis atrquimd
olher »¦ainndit
optional tur
to N/A forN/A M/a- dedsion isbuy ornol buy appeal intumnce wE not
$ toalacer inthe
youcsign
re@ and agree proceSS.
5pay N. ncost. be
16 bl/A fo N/A $ Al/a pNuded unless Ibnextra
EGerarnment Tanes Nol.Included InCash Pr .$
FGovernment Hoarmo anifor Registraflon
,Fees . ..
DMU Re.gistr.ation Eees. ... . 271.00 X Èg
GGovernment Certificals
ofTills Feas -.s' a · s.. nirn
HGovernmen1Wasle Tire Mana gameni Fee · ' . -. $
I OIher Charass (SeAer muel identifywho ispaid and deBotte purposel ·. X
CMluyer Signatum wtn. amm
Date
MM/4 forPdor·Qre orimseEahnm 16 _____
THIS INSURANCE DOES NOT INCLU
w QNORAC torDe a l
e r-sAppi Pree F ee INSURANCE ON YOUR LIABILITV F
$ att mm . MDILY INilUl1Y ORPROPERTY DAMAGE
toqH . fe, .. · . ...lef lorµ.
pgp CAUSED TO OTHERS.
to&q $ g rr
mN . // ·. OvelconKILE INTEREST IMBilRANCE (VBI knir
roN/R icyN .' ............................
. ance):NIhe
insurance precedngbot
bemingiailennd
isded¾ the Credilor
tecontiadlopident
rent9es
Am
VSI
Crellier
B J]m for .-- $_........ insureramlurtoCrediors ade projectim.111is
insunince
toN/A . . . torN/A $ N/ - does not prInisest
IN0lect Inthe veNde.You ney choose
Telal
Other Charase sad Amounts Pa ÓtherstoenurBehalt $ 1te1"irurp)
5Amount FImanced (3+4) 147P2. 4 (5) Cadder, thecoalofthle hamence Ing N/G and a
.. .... . .. . alsoshoal InItem
4Bol the IIonibedonofAmount FImnced.The
11t bÓ eded, and IfIhe vehicle Isa·1ntal loss because l@is confiscated, damaged, oratolen,corage Mor 1111sm elmce
you rotbeli rthe
will gofapamount.The gap.amount Isthe eicess, 11any, the
or;(1) emount yotiwould ·
one underthis c otals the igalie [cati
plget if,theyllhlol were ribia16tal 19s and you were 10 prepay Check spea 10 acharge
thecontract inluB·asaSg refiirxis'we lorcaricalli ojittoriäAnouraitoor millritenues,
amounls due
soNice
because
or Retumed
you
Charge% pay
other contracle), ever (2) theaum of(aany past due payments and other beforeloss. d$.2-.#eny
the check you ghe up Indlellongled
brellepromises InthiscerlIract and (b)I acttal cash value ofthe vehicle immetnelely
Tade-In Pagolf Agreament: Seller geled ca.informallon from you arisorthe lianholderorlessor ofyour tradesh ulhi18 toartise atthe payof famount shomi inMem aofthe
ofAmount
liemrzalism Mnanced asthe "PriorCinditcrt.cean Balarice,'h undesterld thatIheamount potad laanasImata.
IftheectiBI
pmIfarnbuinoie then.me·amount·shown
fs irl2you must.pay the Gallertheeliceen olt.demand.Ifi.10whal ) fIamoûntis lege Iliail
the arnountsham Ih2 .
Balleranrelaid tolau anroverage S.elk receivea Ircrn yotr,piler prlesNr.
Ilgniplcler
Buyer Signalure..X · N/re . ... 0-.- cohy"rsign"l= : M1 .
CPl10N: Oh pay nofirrance charge IftheAmount FInenced ,ttom 5,Ispald InfuIIairorbeMrs M/A . . .,you.WG. SELLNB INWALS -MR1--
WIhMANTIE5 psmgqigh dogs not arbct wmanties Ibn vehighthst1he'manylscium pnwide cr rl you have underthe L amerlI.aá8 or,lorused vehicles, |
ThetrIndng
undertheonMrade any
Instirasincluded covedng
H)cur pulthaee coreacI,1he may
pagraph also doseg mlt
nolany the mny
teMlete Inaused vehlole you bought InNew¾ Clly.
·Unlege o1asi½dbillly tdlewIng arthe apply
iheG unar
mimes aminen warranly creillers lr10a service conliaclwithin so
ofdIgs dateelthlacoulract,
arilinessier the 8tle
eparticube alakes
purpami. no11nrreniles on·1he vehleleiMeling
no w anennanneane met gaunit as e xpiens
warmnnes,nd no t rolled
weratles merchemebInty
Th9feloNig nglice enlf oppliestoteed tought
Wehlelee InNew M0ily:
IMPORTANT NDTICE TOBUTER
STATE
(A)CONDITION LAW REQUIRES THAT BELLERB OFSECOND-HAND CARS CERTIFY BIWRITINGTO THIE BUYER THAT EACH CAR IBINBAFE
ATTHE TIME OFSALE
[B)THIS CERTIFICATION ISAGUARANTEE THAT THE CAR JSINSAFE CONDITIO.N ATTHE TIME OFSALE.
(C)Y OU HAVE ARIGHT TOREQUEST T@E DEALER TOREPAIR OR TDPAY INFULli FOR REPAIRB OFANY UNBAFE CONDITION INTHE
CAR WHICH DOES NOT COMPLY WITH THIS CERTIFICATION,
(D)THIS BUSINESS 18LICENSED BYTHE DEPARTMENT OFCONSUMER AFFAIRS, 42BROADWAY, NEW YORK, NEW YDRK 10004,
COMPLAINT PHONE: (212) 639-9675.
NOCOOLING OFF PERIOD UNLESS YOU
off"orcancellationHAVE A CONTRACT CANCELLATION OPTION
Statelawdoesnotprovide fora"cooling period forthiseale.Afteryousignthiscontract,
youmayonlycancel itiftheselleragrees orforlegalcause.You cannot cancel thiscontract simplybecause
uchange yourmind. Thisnoticedoesnotapplytohomesolicitation sales.ItalsodoesnotapplyIfyou.
uy aused vehicle f rom aSeller-CredHor located i nNew York City andyoudidnotdecline youroptionto
canceL Thelawsof NewYorkCityprovide a two-day canceHation optionIf youbuya usedvehicle.This
cancellation optionis subject tocertainconditions. SeetheNYCUsedCarContract Cancellation Op8on -
agreement fordetails.
TheAnnualRweentage Ratemaybe tiablewiththeSeller.The Sellermayassignthiscontract
andretainitsrighttoreceiveapartof t eFinance Charge. _
HOW THIS CONMACT CAN BE CHANGED. TNa conIract conlains belween you and usreldng b1hla Sntrad. Algch imet be inwihy
and we.ml
stsign LNocral danges are blndhg. Buyer Signs X Co-Buyer Signs X
Ifanypart
ofINs contact Isnot vald, a0dl1er parts slay valid, We may delay orrelnin Iromimlmcirg arlyofcur rigNsunder this contractnilhbut Ipsby flemJer estmple, no
may m:tend theime formaNrig some payments wilhout eden gdhu lime formaNng dhers.
See back forether ImporIent agreements,
NOTICE TOBUYER: 1.Donotaign thisagreement before youneed itorifitconlains anyblank space. :LYou areentitled toa
completely filledincopoftheagreement4 Under thelaw, youhave aright topayoffinadvance thefullamount due. Ifyou
doso, youmay, depen ingonthe natu eofthecredit service charge, either (a)prepay without penalty, or under certain
circumstances obtain arebate ofthecnedit service charge. 4.According tolaw, youhave theprivite eob) :purchasing the
insurance onthemotor vehicle provided forinthiscontract from anagent orbroker ofyourownmelaon.
Youa reetotheterms ofthiscontract Youconfirm thatbefore yousigned thiscontract, wegave ittoyou,andyou
Wereree10'take itandreview itMuconfirm thatyoureceived acompletely filled-In copywhen yousigned 11.
RˆTAIL INSTA E TRACT
Buyer Sigris X ,, Dale gygivings co.Buyer Signs X -4isonfietMe Daleggig4|gg
Co-Buyereand Other Owners - Aco-buyer Isaperson who isresponsiblelorpaying theardlradebt An otheranner Inapersari wlxme name lothe selilcle but
does not
have10 paythe debt The·ether anner agrees to11s secwily intsmalinthe vehiclegiveri10
us InGlis
contract
onar ownersions heie X mm alm
. n-iwi mry¡nnX ...----ar
amller
assignails inlarms1
infliscanhact fo p t97 Ai Ipgtaa ent(s)withAssighes.
o As eM age As@ed cumouse OAgee soecuse
ORIGINAL
LIENHOLDER 4 of 17
res enu amrmrreman
sen a euu
mumommum
comma.
pniEÈl
IMPÖRTANTWGREEMENTS
FILED: CHAUTAUQUA COUNTY CLERK 01/05/2024 11:42 AM INDEX NO. EK12024000039
1 FINANCE CHARGE AND PAYMENTS . c. You mayhave topaycollecilon costs.- Ifwehire ·an
-NYSCEF
-a.- How wewill.figure.Finance
DOC. Charge.
NO. We. 1 the . . . you
wilLsigure attomey.who.is notcursaladed employee.to collectwhat RECEIVED NYSCEF: 01/05/2024
Finance Ch ge on adaily basis at -theAnnual Percentage owe, you willpay theatiomey'[ leeand court costs as
Rate'on theunpald part oftheArnount Fiñanced. perryiitledbylaw. The·maximum attomey's fee·you willpay
to How wewillapply payments. We may apply each payment willbe15% oftheamount you owe.
totheeamed and unpaid part oftheFinance Gharge, 10 t he d. We mar t ake the vehicle frole you. Ityou default, we
unpaid part oftheAmolmt Financed and toother amounts. may .take (repossess) thevehicle trorn yo ifwedoso
you o-we^undai 0his contract inany order:we.ohoose . peacefully, andthelawallows, ¼If your vehicle hasan.
c. How-latp payments orearly payments ch,ange what you electrgnic traddng dev,lce. you agme that wemay. use '1he
.. mustpay.Webased theFinance .Charge, Total -of .. device toJind.the -wehicle., |Lwetake ,lhesvehicle, .any
Payments,.and Totab Sale Price.shown onthe:1ront onthe accessories, equipment, andreplacement parts willstay
BBSumption that you Wmake
ill every payment orrthe day It whh thevehide. Ilany personalitems areInthevehicle, we
. . . .,isdueBut19nance Charge, Totalf Paymenis, and Tbtal .. may store.them foryou atyour expense. (fyou donot. ask lor
Sale Pflee WIU be¬more If·yop pay late and leSS 11 youpay these Items back,,we mgy dispose.of thertas thelaw allows.
early.Changes may take the lorm ofa larger or smaller final e. How you can get t he:vehicle back. Ifwe Jake it.IIwe
payment or,atouroption. rnonror fewer payments dfthe . repossess ghe vehicle, youmay pay1&.get 11 back. Iftwo
sar·e arnount asyour schedujed payment with asmaller things aretrue, yos have the Jight togettheyeticle back by
finalpayment..We ,willsend youa.notice .telling youabout _, . paying albpast due payments,..any_Iate charges, and. any.. .
thesebhahgi befdfefthe-finat schesiÈed)isdu yment . expenses weincurred-related toretaking'the vehide,.holding
,d. You inny preppy3brommy _preallofpart oftheu d it,and preparin itIbrsale (rainstate)iFirsts lfmualihave
I of.|he..Ambunt fl inlpeÆpt11rtle Ithout po Ïf bought.'1,he. 161prih)ailly'. W |MophI famlfy, .pr
yop do.go, yÁµ.múst.pay jiamad and phpwd part o1th,e householdiuse. Second, your 0n4defaultJera failuá 19.ppÿ
Finance Charge and all ramounts duel.Ip totheUnte of anInstatment p entonIlms. Otherwise, wpwilltellyou
)r nt. howr@cifin ,re'(Þb!fe tn4kurght togbt.the
vehidle back ends when we'telln: g.+. e
YOUR DTHER PROMISESTO US IAnwlH mall Ikevehicle Ifyouda·not·ItIlash.yodÔ
a..11the vehic aledamaged; desireye rar·relssin . not(adeer WwHI asWe' Icles.Wlif'send you.a 6
c paragraph
The,fol,low.Ing neEp,,|t does '. h I ßheyiAP written noticq#àmle lfid irehlde.
Waiver Notice orithelfront o1this contract ischecked. Wewill'apply the'
nioney &n theEal lesd
900' , agoned .
You agree to) uhanyqu.çwe undeS Ilils ntraeveriif t expenseli; -totheárhountowe, AAowed 'expe®ses-are
·thevehicle,
thevehicle isdama e 'deáfro ó¬,ormissing. The .terms expenses wepay asadirect result oftaking
andconditions olyour liability.it..the.vehicle.is. damaged...... ......; .holdi,ng it;preparing itforsale, and,seAing it Attorhey fees
destroyed, ormissing aredescribeÿ inaseparate document and hourt coststhe.Iaw..permits arealso allowed e\penses.
.._,..,you sigrtJhe(focInent is..a.pan,gf g)is gangagt. . . .fromw .. ...... .;·' Ifany money is.Inft.(surplus), etwil pay ittoyou urilmàsing
b. Using thevehicle.You agree not toremove thevehicle M law requires ustopay Ittosomeone else.11money frain the
theU.S. orCanada, ortoselk rent, lease, ortransfer shy sale isnotanough lopay theamount:you,oes,-you thust pay
interestinthevehicle orthiscontract without ourwritten. ther ttous.ifyou donotpay thisamount when weask, we
perrnission.½u agree notloexpose thevehicle tomisuse, may phargevyou,irtterest.at·a·ratanob.exceeding.the highesi
salzule, conHscation, orInvoluntary transfer, Ifwepay any "'"' lawhilhate'unlifyoo Main.
repmr bi Moragg pllit;. s 11tree,, dretitlrget 'bh.ths g. What '%sP tlinal^IdurWeeL
ehla, tore emeunt whoweasisi lenaIga M .cohtraeliW cofitraci-n9if
o; sile et contain·.eharges.·Ior.iopt ona-Ins.uretice,v inalntenance,
Wugive us secuH f'Intefelit Ih serviceior.dther contracts.If·wedemand that you'pay allyou
' ,.'The'l feI I,ppris kspWle putprilt owe at·ör1 egƒIrrepoissis 16vehlbisdiid reeIhat yn
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FILED: CHAUTAUQUA COUNTY CLERK 01/05/2024 11:42 AM INDEX NO. EK12024000039 SUPREME NYSCEF DOC. COURT OF THE STATE OF NEW YORK NO. 1 INDEX # RECEIVED NYSCEF: 01/05/2024 COUNTY OF CHAUTAUQUA SUMMONS _______________________________________________x WESTLAKE SERVICES, LLC, PLAINTIFF'S ADDRESS DBA WESTLAKE FINANCIAL Plaintiff, 4751 WILSHIRE BLVD SERVICES LOS ANGELES CA 90010 X -against- DEFENDANT'S ADDRESSES TAYLOR M PICCOLO 2 HOLLY DR SCOTT M PICCOLO Defendant(s). LAKEWOOD NY 14750-1820 _______________________________________________x CONSUMER CREDIT TRANSACTION CODEF- 447A KING RD FORESTVILLE NY 14062 THE BASIS OF THE VENUE IS: A DEFENDANT RESIDES IN THE COUNTY OF CHAUTAUQUA THE TRANSACTION TOOK PLACE IN THE COUNTY OF CHAUTAUQUA TO THE ABOVE NAMED DEFENDANT(S): TAYLOR M PICCOLO SCOTT M PICCOLO YOU ARE HEREBY SUMMONED TO ANSWER THE COMPLAINT IN THIS ACTION AND TO SERVE A COPY OF YOUR ANSWER ON THE PLAINTIFF'S ATTORNEY(S) WITHIN 20 DAYS AFTER THE SERVICE OF THIS SUMMONS, EXCLUSIVE OF THE DAY OF SERVICE (OR WITHIN 30 DAYS AFTER THE SERVICE IS COMPLETE IF THIS SUMMONS IS NOT PERSONALLY DELIVERED TO YOU WITHIN THE STATE OF NEW YORK). UPON YOUR FAILURE TO ANSWER, JUDGMENT WILL BE TAKEN AGAINST YOU FOR THE RELIEF DEMANDED IN THE COMPLAINT, TOGETHER WITH THE DISBURSEMENTS OF THIS ACTION. DATED THE 7 DAY OF DECEMBER , 2023 FORSTER & GARBUS LLP FILE NO. ATTORNEY(S) FOR PLAINTIFF DSQP687225A 2950 EXPRESS DR S, SUITE 100 ISLANDIA, NY 11749 (631) 393-9400 NOTE: THE LAW PROVIDES THAT: (A) IF THIS SUMMONS IS SERVED BY ITS DELIVERY TO YOU PERSONALLY WITHIN THE COUNTY OF CHAUTAUQUA YOU MUST APPEAR AND ANSWER WITHIN 20 DAYS AFTER SUCH SERVICE: OR (B) IF THIS SUMMONS IS SERVED BY DELIVERY TO ANY PERSON OTHER THAN YOU PERSONALLY, OR IS SERVED OUTSIDE THE COUNTY OF CHAUTAUQUA , OR BY PUBLI- CATION, OR BY ANY MEANS OTHER THAN PERSONAL DELIVERY TO YOU WITHIN THE COUNTY OF CHAUTAUQUA YOU ARE ALLOWED 30 DAYS AFTER SERVICE IS COMPLETE WITHIN WHICH TO APPEAR AND ANSWER. ORIG ACCT# END IN: 1959 DSQP687225A 1 of 17 Page 1 of 3 FILED: CHAUTAUQUA COUNTY CLERK 01/05/2024 11:42 AM INDEX NO. EK12024000039 SUPREME NYSCEF DOC. COURT OF THE STATE OF NEW YORK NO. 1 RECEIVED NYSCEF: 01/05/2024 COUNTY OF CHAUTAUQUA _______________________________________________x WESTLAKE SERVICES, LLC, COMPLAINT DBA WESTLAKE FINANCIAL Plaintiff, SERVICES - AGAINST - TAYLOR M PICCOLO SCOTT M PICCOLO Defendant(s). _______________________________________________x PLAINTIFF, BY ITS ATTORNEY(S), COMPLAINING OF THE DEFENDANT(S), UPON INFORMATION AND BELIEF, ALLEGE: 1. THAT THE DEFENDANT(S) RESIDES IN THE COUNTY IN WHICH THIS ACTION IS BROUGHT; OR THAT THE DEFENDANT(S) TRANSACTED BUSINESS WITHIN THE COUNTY IN WHICH THIS ACTION IS BROUGHT IN PERSON OR THROUGH HIS/HER AGENT AND THAT THE INSTANT CAUSE OF ACTION AROSE OUT OF SAID TRANSACTION. 2. DEFENDANT(S), FOR VALUE, ENTERED A WRITTEN RETAIL INSTALLMENT CONTRACT FOR THE PURCHASE OF A VEHICLE. THE RETAIL INSTALLMENT CONTRACT HAS BEEN ASSIGNED TO THE PLAINTIFF. 3. DEFENDANT(S) FAILED TO MAKE THE MONTHLY PAYMENTS AND ALL SUMS DUE HAVE BEEN DECLARED DUE AND OWING. 4. THERE REMAINS AN AGREED BALANCE ON SAID ACCOUNT OF $ 9,522.80 DUE AND UNPAID ALTHOUGH DULY DEMANDED. 5. DEFENDANT(S) IS IN DEFAULT AND DEMAND FOR PAYMENT HAS BEEN MADE. 6. A COPY OF THE CONTRACT OR OTHER WRITTEN INSTRUMENT OR CHARGE OFF STATEMENT UPON WHICH THIS ACTION IS BASED IS ATTACHED HERETO. 7. INTEREST IS AT THE CONTRACT RATE OF: 9.00%. 8. THE NAME OF THE ORIGINAL CREDITOR IS: WESTLAKE SERVICES, LLC, DBA WESTLAKE FINANCIAL SERVICES THE ACCOUNT NUMBER ENDS 1959 THE DATE OF LAST PAYMENT WAS ON OR ABOUT 04/02/2021 THE AMOUNT OF LAST PAYMENT WAS $ 197.22 9. THE BALANCE DUE IS ITEMIZED AS FOLLOWS: i) Principal $ SEE ATTACHED ii) Finance charge(S) $0.00 iii) Fees imposed by the original lender $0.00 iv) Collection costs $0.00 v) Attorney's fees $0.00 vi) Interest $ SEE ATTACHED vii) Other fees and charges $ SEE ATTACHED 2ND CAUSE OF ACTION: PLAINTIFF STATED AN ACCOUNT(S) TO DEFENDANT(S) ON OR ABOUT 07/31/2021 WHICH WAS HELD BY DEFENDANT(S) WITHOUT OBJECTION. THERE IS NOW DUE PLAINTIFF FROM DEFENDANT(S) THE AMOUNT SET FORTH IN THE COMPLAINT, NO PART OF WHICH HAS BEEN PAID, ALTHOUGH DULY DEMANDED. DSQP687225A 2 of 17 Page 2 of 3 FILED: CHAUTAUQUA COUNTY CLERK 01/05/2024 11:42 AM INDEX NO. EK12024000039 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/05/2024 WHEREFORE, PLAINTIFF DEMANDS JUDGMENT AGAINST THE DEFENDANT(S) FOR THE SUM OF $ 9,522.80 TOGETHER WITH INTEREST AND THE COSTS AND DISBURSEMENTS OF THIS Tess E Gunther Michael Florio WE ARE DEBT COLLECTORS; ANY FORSTER & GARBUS LLP INFORMATION OBTAINED WILL BE USED ATTORNEY(S) FOR PLAINTIFF IN ATTEMPTING TO COLLECT THIS DEBT. 2950 EXPRESS DR S, SUITE 100 ISLANDIA, NY 11749 DATED: THE 7 DAY OF DECEMBER , 2023 PURSUANT TO PART 130-1.1-a OF THE RULES OF THE CHIEF ADMINISTRATOR THIS SIGNATURE APPLIES TO THE ATTACHED SUMMONS AND COMPLAINT DSQP687225A 3 of 17 Page 3 of 3 RETAIL INSTALMENT CONTRACT SIMPLE FILED: CHAUTAUQUA FINANCE CHARGE COUNTY CLERK 01/05/2024 11:42 AM INDEX NO. EK12024000039 Dealer Number Coritract NumberN/9 NYSCEF Buyer Name and Address arid DOC. NO. Co-Buyer 1Name arid and Address Seller-Creditor JName and Addres ) RECEIVED NYSCEF: 01/05/2024 (incluiding Couoly Zip Code) (including County ZipCode) TRYLOR MPICCOLD SCOTT MPICCOLO . SNORAC, LLC 538VERSAILLES RD 447R KENG RD 6755Tran sit Rd5 Ir ving, NYg14081 Forestville, NY, 14062 . EastAsherst,NY, 14051 ybu, theBuyer (and Co-Buyer, ifanyL may buy Ihevehde belorr lorcash oroncredit. Bysigning thiscontract, you c''we" hoose tobuy thevehicle on credit under theagreemerds onthefront and back ofthis contract Wuagree topay 1he Seller -Creditor (sornelimes ar"us" inthis contract) theAmount Financed and Finance Change inU.S lunds according tothepayment schedule.below. We willligure your finance charge onadaily basis. The Trulh-In-LeUiding Disclosures below arepart ofthis contract. Make New/UsedfDemo Year and Model VerMcle Number ' Identlricallorn Prirnary Use For Which Purchased Persmat, family.orhousehold unless elherwise IndIcated below Used 2017 1a&2 Obusiness Oagricultural . O N/A FEDERAL TRlTH-IN-LENDING DISCLOSURES Insurance. Youmay ëuy the presir.eldamage insurance ANNUAL FINA. NCE Amount Total of Sale siscenlract stal requiresÆes bm:In trom an you choose PERCENTAGE CHARQE Financed Payments Pdom who eller 1aseeptable insurance to4,wn toattain are oredIl mt ul tobuy un1sesindicalmg aig RATE The dollar The arnount on The amoSt you The total cost-orwndor's Single Interest Insence Inrecluimdischaelaid The colitof emoung trte oredR provided willtleve paid alleryour purstiase·on belom ytiur of.udItas oredit will toyou or you have made all cledlI, ktcluding Itgny Insurance or 8yearly rage. cost you. onyoigr behalf,paymerits as yourdown Carlifishis fiom thenischeded amed belon, insurance pokies will . . .scheduled.payment . . ag· 3500 o describe eis termsand concilies. . annpenies 24.BBg g 13977. 52 g 14722. 40 g 28699. 92 32199, 92 check toinsurance you wamauleign belem Your Payment Schedule WillBe: (e)means anastlmate Optional Credit ins,unmco Neriber of Amouril of Whom P OCres Ule:OBuyer OCo-Buyer OBolh Pugments , Pgynards Are'ments · OCIInit-DIgablllly: OBuyer OCo·0uyer OBde ,. 7E M M Monthly beg1ming Prents: clea ule $ Mrn N/A N/R Cam Dhabilty $ M. T . N/R OrAsFollows: gfg -hewance . N/A Company Name Home OMce Addiesh-EB------------------------ N/A oredt me insurance and ciedl1dleetniy movrance are not sequiredio obtain omdit,Wur declainnia buy ornut buf credlllife insuraxe.and credit anabilllyInsurance Lele.Charge. IfpaymoUit isnot receiviidinfulwithin ---1L-. days aher itisdue you will pay a191s chamewlA metbealector Inthe omdit approval process. They ofg ul0 er H %ofthe part a1the payment tlist 1s late,whidi veris cresler wIII nottoplovided unless you eign maagme topay Pupsyment Ifyou you oct will have 10 aperially, toendra cast IIyou chooss this 'me ance,the cost le pay early, pay thcWN inkm4Ad to Remigallon of.Arnount hitnest Assurity tuare gi ang securhy Inlarest Inte·vsNcle beingpurchased . Firginced. Ciedi1 fleI.nsurance .isbased onyour . Admhmel blonnegon: See INs contract 1ct mois Wòrmation Induding Informafenabout noripayment, crlghwpayment schedule.Thle Ibsurance may not doinult, any required repayment infullbehne the adieduled date and accurily Irneuest. allyou one crIbiscontract Ifyou make late pnerease . Credit Insurance disability does n6t cover any ITElltZATlDN DF AMDUNI FINANCED iriyour paymerit orinthe number of ls, 1Cash Plice (locluding$ * sales lax) $ 0) · Coverage torcredh 1518 Insurance and creditdemblllly 2WDowripaymenl= Insurance ends onthá origrtal due, date lorD tlast payrnent unless adifferem lerm kirthe ingiurance la Wur trade misa¶nar Make Model Vehicle IchntNich1ion shown belon No. G1ces Trade-Ir> ABosance $ N/A i.ess Priortedm eLr ease ealaIce (a $ N/A Equals Ne1 TradeIn Mfa 01her OpHonal Šnsurance +Cash $ NMRRM D1 fD fP8 N/G Thrm +other UA $ hi/q +OIherN/A $ N/A . Premiums N/A (trtotaldownpayment Innegallas,enter'O'and see 41 below) $_ ..; RR.. DImp)inscience Company Name J/.G .... aUnpaid Balme ofCash Price (1minus 2} 1' PRRTm .. /q 40mer Chaiges Amounts Including toolhers filla on 'rburBehalf Home 01fu:e Addiens ": (Mer may legepparlofIbeseamm1s) . N/A ACost arOplianal Gmit Insumnce .. O...... __aI ra -, --- Paidio Insurance Company cU C dmpanlm - - TM s Ulm .....J... 1..........:.............J1/R. Premium $' Name· DisabilH $ N/A N/9 hswa r;eCompany NfA Bhdog's Single Inlemst In9umnoe Paidio Irisurance Co1Ipany N/A . COilar Optiomd kmurarm NdtoInsurance Corrr eny orCompanies $ M/A Meme Olike Addlear ' '" Ofees Pald toGoernment Agendes to N/A lorN/A N/A microplionalinsuramis atrquimd olher »¦ainndit optional tur to N/A forN/A M/a- dedsion isbuy ornol buy appeal intumnce wE not $ toalacer inthe youcsign re@ and agree proceSS. 5pay N. ncost. be 16 bl/A fo N/A $ Al/a pNuded unless Ibnextra EGerarnment Tanes Nol.Included InCash Pr .$ FGovernment Hoarmo anifor Registraflon ,Fees . .. DMU Re.gistr.ation Eees. ... . 271.00 X Èg GGovernment Certificals ofTills Feas -.s' a · s.. nirn HGovernmen1Wasle Tire Mana gameni Fee · ' . -. $ I OIher Charass (SeAer muel identifywho ispaid and deBotte purposel ·. X CMluyer Signatum wtn. amm Date MM/4 forPdor·Qre orimseEahnm 16 _____ THIS INSURANCE DOES NOT INCLU w QNORAC torDe a l e r-sAppi Pree F ee INSURANCE ON YOUR LIABILITV F $ att mm . MDILY INilUl1Y ORPROPERTY DAMAGE toqH . fe, .. · . ...lef lorµ. pgp CAUSED TO OTHERS. to&q $ g rr mN . // ·. OvelconKILE INTEREST IMBilRANCE (VBI knir roN/R icyN .' ............................ . ance):NIhe insurance precedngbot bemingiailennd isded¾ the Credilor tecontiadlopident rent9es Am VSI Crellier B J]m for .-- $_........ insureramlurtoCrediors ade projectim.111is insunince toN/A . . . torN/A $ N/ - does not prInisest IN0lect Inthe veNde.You ney choose Telal Other Charase sad Amounts Pa ÓtherstoenurBehalt $ 1te1"irurp) 5Amount FImanced (3+4) 147P2. 4 (5) Cadder, thecoalofthle hamence Ing N/G and a .. .... . .. . alsoshoal InItem 4Bol the IIonibedonofAmount FImnced.The 11t bÓ eded, and IfIhe vehicle Isa·1ntal loss because l@is confiscated, damaged, oratolen,corage Mor 1111sm elmce you rotbeli rthe will gofapamount.The gap.amount Isthe eicess, 11any, the or;(1) emount yotiwould · one underthis c otals the igalie [cati plget if,theyllhlol were ribia16tal 19s and you were 10 prepay Check spea 10 acharge thecontract inluB·asaSg refiirxis'we lorcaricalli ojittoriäAnouraitoor millritenues, amounls due soNice because or Retumed you Charge% pay other contracle), ever (2) theaum of(aany past due payments and other beforeloss. d$.2-.#eny the check you ghe up Indlellongled brellepromises InthiscerlIract and (b)I acttal cash value ofthe vehicle immetnelely Tade-In Pagolf Agreament: Seller geled ca.informallon from you arisorthe lianholderorlessor ofyour tradesh ulhi18 toartise atthe payof famount shomi inMem aofthe ofAmount liemrzalism Mnanced asthe "PriorCinditcrt.cean Balarice,'h undesterld thatIheamount potad laanasImata. IftheectiBI pmIfarnbuinoie then.me·amount·shown fs irl2you must.pay the Gallertheeliceen olt.demand.Ifi.10whal ) fIamoûntis lege Iliail the arnountsham Ih2 . Balleranrelaid tolau anroverage S.elk receivea Ircrn yotr,piler prlesNr. Ilgniplcler Buyer Signalure..X · N/re . ... 0-.- cohy"rsign"l= : M1 . CPl10N: Oh pay nofirrance charge IftheAmount FInenced ,ttom 5,Ispald InfuIIairorbeMrs M/A . . .,you.WG. SELLNB INWALS -MR1-- WIhMANTIE5 psmgqigh dogs not arbct wmanties Ibn vehighthst1he'manylscium pnwide cr rl you have underthe L amerlI.aá8 or,lorused vehicles, | ThetrIndng undertheonMrade any Instirasincluded covedng H)cur pulthaee coreacI,1he may pagraph also doseg mlt nolany the mny teMlete Inaused vehlole you bought InNew¾ Clly. ·Unlege o1asi½dbillly tdlewIng arthe apply iheG unar mimes aminen warranly creillers lr10a service conliaclwithin so ofdIgs dateelthlacoulract, arilinessier the 8tle eparticube alakes purpami. no11nrreniles on·1he vehleleiMeling no w anennanneane met gaunit as e xpiens warmnnes,nd no t rolled weratles merchemebInty Th9feloNig nglice enlf oppliestoteed tought Wehlelee InNew M0ily: IMPORTANT NDTICE TOBUTER STATE (A)CONDITION LAW REQUIRES THAT BELLERB OFSECOND-HAND CARS CERTIFY BIWRITINGTO THIE BUYER THAT EACH CAR IBINBAFE ATTHE TIME OFSALE [B)THIS CERTIFICATION ISAGUARANTEE THAT THE CAR JSINSAFE CONDITIO.N ATTHE TIME OFSALE. (C)Y OU HAVE ARIGHT TOREQUEST T@E DEALER TOREPAIR OR TDPAY INFULli FOR REPAIRB OFANY UNBAFE CONDITION INTHE CAR WHICH DOES NOT COMPLY WITH THIS CERTIFICATION, (D)THIS BUSINESS 18LICENSED BYTHE DEPARTMENT OFCONSUMER AFFAIRS, 42BROADWAY, NEW YORK, NEW YDRK 10004, COMPLAINT PHONE: (212) 639-9675. NOCOOLING OFF PERIOD UNLESS YOU off"orcancellationHAVE A CONTRACT CANCELLATION OPTION Statelawdoesnotprovide fora"cooling period forthiseale.Afteryousignthiscontract, youmayonlycancel itiftheselleragrees orforlegalcause.You cannot cancel thiscontract simplybecause uchange yourmind. Thisnoticedoesnotapplytohomesolicitation sales.ItalsodoesnotapplyIfyou. uy aused vehicle f rom aSeller-CredHor located i nNew York City andyoudidnotdecline youroptionto canceL Thelawsof NewYorkCityprovide a two-day canceHation optionIf youbuya usedvehicle.This cancellation optionis subject tocertainconditions. SeetheNYCUsedCarContract Cancellation Op8on - agreement fordetails. TheAnnualRweentage Ratemaybe tiablewiththeSeller.The Sellermayassignthiscontract andretainitsrighttoreceiveapartof t eFinance Charge. _ HOW THIS CONMACT CAN BE CHANGED. TNa conIract conlains belween you and usreldng b1hla Sntrad. Algch imet be inwihy and we.ml stsign LNocral danges are blndhg. Buyer Signs X Co-Buyer Signs X Ifanypart ofINs contact Isnot vald, a0dl1er parts slay valid, We may delay orrelnin Iromimlmcirg arlyofcur rigNsunder this contractnilhbut Ipsby flemJer estmple, no may m:tend theime formaNrig some payments wilhout eden gdhu lime formaNng dhers. See back forether ImporIent agreements, NOTICE TOBUYER: 1.Donotaign thisagreement before youneed itorifitconlains anyblank space. :LYou areentitled toa completely filledincopoftheagreement4 Under thelaw, youhave aright topayoffinadvance thefullamount due. Ifyou doso, youmay, depen ingonthe natu eofthecredit service charge, either (a)prepay without penalty, or under certain circumstances obtain arebate ofthecnedit service charge. 4.According tolaw, youhave theprivite eob) :purchasing the insurance onthemotor vehicle provided forinthiscontract from anagent orbroker ofyourownmelaon. Youa reetotheterms ofthiscontract Youconfirm thatbefore yousigned thiscontract, wegave ittoyou,andyou Wereree10'take itandreview itMuconfirm thatyoureceived acompletely filled-In copywhen yousigned 11. RˆTAIL INSTA E TRACT Buyer Sigris X ,, Dale gygivings co.Buyer Signs X -4isonfietMe Daleggig4|gg Co-Buyereand Other Owners - Aco-buyer Isaperson who isresponsiblelorpaying theardlradebt An otheranner Inapersari wlxme name lothe selilcle but does not have10 paythe debt The·ether anner agrees to11s secwily intsmalinthe vehiclegiveri10 us InGlis contract onar ownersions heie X mm alm . n-iwi mry¡nnX ...----ar amller assignails inlarms1 infliscanhact fo p t97 Ai Ipgtaa ent(s)withAssighes. o As eM age As@ed cumouse OAgee soecuse ORIGINAL LIENHOLDER 4 of 17 res enu amrmrreman sen a euu mumommum comma. pniEÈl IMPÖRTANTWGREEMENTS FILED: CHAUTAUQUA COUNTY CLERK 01/05/2024 11:42 AM INDEX NO. EK12024000039 1 FINANCE CHARGE AND PAYMENTS . c. You mayhave topaycollecilon costs.- Ifwehire ·an -NYSCEF -a.- How wewill.figure.Finance DOC. Charge. NO. We. 1 the . . . you wilLsigure attomey.who.is notcursaladed employee.to collectwhat RECEIVED NYSCEF: 01/05/2024 Finance Ch ge on adaily basis at -theAnnual Percentage owe, you willpay theatiomey'[ leeand court costs as Rate'on theunpald part oftheArnount Fiñanced. perryiitledbylaw. The·maximum attomey's fee·you willpay to How wewillapply payments. We may apply each payment willbe15% oftheamount you owe. totheeamed and unpaid part oftheFinance Gharge, 10 t he d. We mar t ake the vehicle frole you. Ityou default, we unpaid part oftheAmolmt Financed and toother amounts. may .take (repossess) thevehicle trorn yo ifwedoso you o-we^undai 0his contract inany order:we.ohoose . peacefully, andthelawallows, ¼If your vehicle hasan. c. How-latp payments orearly payments ch,ange what you electrgnic traddng dev,lce. you agme that wemay. use '1he .. mustpay.Webased theFinance .Charge, Total -of .. device toJind.the -wehicle., |Lwetake ,lhesvehicle, .any Payments,.and Totab Sale Price.shown onthe:1ront onthe accessories, equipment, andreplacement parts willstay BBSumption that you Wmake ill every payment orrthe day It whh thevehide. Ilany personalitems areInthevehicle, we . . . .,isdueBut19nance Charge, Totalf Paymenis, and Tbtal .. may store.them foryou atyour expense. (fyou donot. ask lor Sale Pflee WIU be¬more If·yop pay late and leSS 11 youpay these Items back,,we mgy dispose.of thertas thelaw allows. early.Changes may take the lorm ofa larger or smaller final e. How you can get t he:vehicle back. Ifwe Jake it.IIwe payment or,atouroption. rnonror fewer payments dfthe . repossess ghe vehicle, youmay pay1&.get 11 back. Iftwo sar·e arnount asyour schedujed payment with asmaller things aretrue, yos have the Jight togettheyeticle back by finalpayment..We ,willsend youa.notice .telling youabout _, . paying albpast due payments,..any_Iate charges, and. any.. . thesebhahgi befdfefthe-finat schesiÈed)isdu yment . expenses weincurred-related toretaking'the vehide,.holding ,d. You inny preppy3brommy _preallofpart oftheu d it,and preparin itIbrsale (rainstate)iFirsts lfmualihave I of.|he..Ambunt fl inlpeÆpt11rtle Ithout po Ïf bought.'1,he. 161prih)ailly'. W |MophI famlfy, .pr yop do.go, yÁµ.múst.pay jiamad and phpwd part o1th,e householdiuse. Second, your 0n4defaultJera failuá 19.ppÿ Finance Charge and all ramounts duel.Ip totheUnte of anInstatment p entonIlms. Otherwise, wpwilltellyou )r nt. howr@cifin ,re'(Þb!fe tn4kurght togbt.the vehidle back ends when we'telln: g.+. e YOUR DTHER PROMISESTO US IAnwlH mall Ikevehicle Ifyouda·not·ItIlash.yodÔ a..11the vehic aledamaged; desireye rar·relssin . not(adeer WwHI asWe' Icles.Wlif'send you.a 6 c paragraph The,fol,low.Ing neEp,,|t does '. h I ßheyiAP written noticq#àmle lfid irehlde. Waiver Notice orithelfront o1this contract ischecked. Wewill'apply the' nioney &n theEal lesd 900' , agoned . You agree to) uhanyqu.çwe undeS Ilils ntraeveriif t expenseli; -totheárhountowe, AAowed 'expe®ses-are ·thevehicle, thevehicle isdama e 'deáfro ó¬,ormissing. The .terms expenses wepay asadirect result oftaking andconditions olyour liability.it..the.vehicle.is. damaged...... ......; .holdi,ng it;preparing itforsale, and,seAing it Attorhey fees destroyed, ormissing aredescribeÿ inaseparate document and hourt coststhe.Iaw..permits arealso allowed e\penses. .._,..,you sigrtJhe(focInent is..a.pan,gf g)is gangagt. . . .fromw .. ...... .;·' Ifany money is.Inft.(surplus), etwil pay ittoyou urilmàsing b. Using thevehicle.You agree not toremove thevehicle M law requires ustopay Ittosomeone else.11money frain the theU.S. orCanada, ortoselk rent, lease, ortransfer shy sale isnotanough lopay theamount:you,oes,-you thust pay interestinthevehicle orthiscontract without ourwritten. ther ttous.ifyou donotpay thisamount when weask, we perrnission.½u agree notloexpose thevehicle tomisuse, may phargevyou,irtterest.at·a·ratanob.exceeding.the highesi salzule, conHscation, orInvoluntary transfer, Ifwepay any "'"' lawhilhate'unlifyoo Main. repmr bi Moragg pllit;. s 11tree,, dretitlrget 'bh.ths g. What '%sP tlinal^IdurWeeL ehla, tore emeunt whoweasisi lenaIga M .cohtraeliW cofitraci-n9if o; sile et contain·.eharges.·Ior.iopt ona-Ins.uretice,v inalntenance, Wugive us secuH f'Intefelit Ih serviceior.dther contracts.If·wedemand that you'pay allyou ' ,.'The'l feI I,ppris kspWle putprilt owe at·ör1 egƒIrrepoissis 16vehlbisdiid reeIhat yn " a r.qtiatf$ ved th I c1 Inpgtler these doriirpets orld gance|th^enito ··" ,,'nl<1 ..·., .411·lneuranogh ( roteada) mal ance,·servicecor oth cB may obtauagree that weinay trytocontict yodlriviriting, bye-man, or we.willtailyou which type and thecharge you inust pay. The isingprerecorded/Mtiliqlal voice messages, text rnessage[, and ... charge willbethepremium fortheinsurednce and a11nance iutomatIç telephone dialing systems, as109 law.allowp. You also charge computed atthe, AnnualfarcentageMate,shown on. - agree thát wemay trytocontact you inthese and. other ways at the^foriiofehis cont.Iect ... . . ... . anyaddriess ortelephone nü:Iber yoqevidus,even ;ilthe Iftheveriihleisloaf ordamâged you agseIliat.we.may ùse. telephoné number isacellphone number orthecontact resulls any Inscrance.settlement toteduce what you owe ortepair litacharge to u. - - .-n,...f., ... thevehicle. to' · 6. APPLICAI e. Wftat "happensretumed ina%rance, nalntenance, LE1 .. .. . . . service, or·other contract charges. Ifwegetarefund of- Federal law and thelaw ofthesatyofpur address.shpwn onthe insurance, maintenance, service, orother congract chârgei imnt ofthiscontract apply 10thscontracl