Preview
System Generated Hearing Date: 7/8/2024 2:00 PM
FILED
Location: Court Room 0205 1/8/2024 12:00 AM
Judge: Murphy, Thomas W. IRIS Y. MARTINEZ
CIRCUIT CLERK
COOK COUNTY, IL
STATE OF ILLINOIS)
20245000252
Courtroom, 0205
)ss
25861481
COUNTY OF COOK )
IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS
MUNICIPAL DEPARTMENT, FIFTH DISTRICT
BROTHER LOAN AND FINANCE COMPANY, )
an Illinois corporation, 20245000252
Plaintiff, )
Amount Claimed: $1966.44 plus
-vs- ) accrued interest and costs
)
SHANTELL SMITH, ) Return Date:
)
Defendant. )
VERIFIED COMPLAINT
Now comes the Plaintiff, BROTHER LOAN AND FINANCE COMPANY, by and
through its attorney, Gary A. Smiley, and in complaining against the
Defendant, SHANTELL SMITH, states as follows:
1. That Plaintiff is, and at all times herein mentioned was, a
finance company, duly organized and existing under and by virtue of the
laws of the State of Illinois, and is duly authorized to do business
within the State of Illinois, its principal office being located in
Cook County, Illinois.
2. That the Defendant is an individual residing at or whose last
known address is 6818A S. DORCHESTER AVE., APT. 3, CHICAGO, IL.
3. That Plaintiff at the specific instance and request of the
Defendant issued a loan to said Defendant based upon representations
by Defendant as contained in a loan application.
4. That on June 13, 2022, as and for consideration of a loan
in the sum of $1500.00, Defendant executed a "Consumer Loan Agreement,
Promissory Note and Federal Truth-in-Lending Disclosure Statement", a
copy of which is attached hereto, made a part hereof and marked as
Exhibit "A" and Defendant received a copy of same on said date.
- 1 -
5. That the Defendant took the loan proceeds and used said
proceeds as (s)he so deemed fit, but refused to make when due the
payments required for the repayment of the loan in accordance with
the terms of the Promissory Note.
6. That in accordance with the terms of the agreement no credit
has been given Defendant for a rebate and the total amount due for
principal, interest, and/or miscellaneous charges is reflected in
Plaintiff's account ledger, a copy of which is attached hereto,
made a part hereof and marked as Exhibit .
7. That Plaintiff, either directly or through its agent, may have
sent various demands requesting the payment due, but the Defendant,
without any justifiable reason, has refused to make the said
payment, all of which is due and owing, a copy of said demands, if any,
are attached hereto, made a part hereof and marked as Exhibit "C
8. That pursuant to their agreement reasonable attorney's fees are
requested in the sum of $350.00.
9. That after all payments, credits and set-offs are allowed, and
including attorney's fees and interest due pursuant to agreement, there
remains due to Plaintiff the total sum of $1966.44 plus accrued interest
at the rate of $1.03610 per day to date, and costs.
WHEREFORE, Plaintiff, BROTHER LOAN AND FINANCE COMPANY, prays for
judgment in its favor and against Defendant, SHANTELL SMITH,
in the amount of $1966.44 plus costs and accrued interest to date.
GARY A. SMILEY, Attorney for
BROTHER LOAN AND FINANCE COMPANY
- 2
VERIFICATION
Under penalties as provided by law pursuant to Section 1-109 of the
Code of Civil Procedure, the undersigned certifies that the statements
set forth in this instrument are true and correct except as to matters
therein stated to be on information and belief and as to such matters,
the undersigned certifies as aforesaid that he/she verily believes the
same to be true and accurate in substance and in fact.
BROT. R LOAN AND ANCE COMPANY
By: © TOUAG | - Ran ‘awn
Office Manager
This is an attempt to
collect a debt. Any information obtained will be used
for that purpose. Unless you dispute the validity of this debt within thirty
(30) days after receipt of this notice, this debt will be assumed to be valid
If you do notify me within this thirty (30) day period that this debt is
disputed, then I will verify the debt or judgment and mail a copy of such
verification to you. Further, if the original creditor is different from the
current creditor, you will be provided with the name and address of the
original creditor provided you request it in writing within 30 days.
Gary A. Smiley
Attorney at Law
4741 N.
Western Ave.
Chicago, IL 60625-2012
773-878-4400
Attorney No.: 24945
= Bi «
CONSUMER LOAN AGREEMENT, PROMISSORY NOTE AND
FEDE! RAL TRUTH-IN-LENDING _
DISCLOSURE STATEMENT
Original
LOAN No.
LENDER: BRotHER LOAN & FINANCE COMPANY
tus omy ‘7621 W. 63" St Summit, IL 60501
BORROWER: SHAN TELL SMITH
CO-BORROWER, 5
18A Ri hee
Address
ICAG' IL. A715 ‘Address a
City, ip City, State Zip
Social Security Num Social Security Number
DATE OF LOAN:_06/13/22
In this Consumer Loan Agreement, Promissory Note and Federal Truth-In-L
ending 1g Disclosure Statement, the words “you” and
“your” mean each and all who have signed it. The words “us” and “our” mean the Lender.
FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT
ANNUAL FINANCE CHARGE AMOUNT FINANCED
PERCENTAGE TOTAL OF
RATE ‘The doltar amount the credit will PAYMENTS
‘The cost of your credit as a ‘you, ‘The amount of credit provided to ‘The amount you will have paid
yearly rate. you or on your behalf. ‘after you have made all
Payments as scheduled,
35.00 %
$ 221.00 $ 1800.00 $ 1721.00
PAYMENT SCHEDULE: 12 paymentsof $__ 86,05 __due__ Bi-Weekly beginning 06/27/22 A.f-
1 final paymentof ___86.05 dueon 03/2023
LATE CHARGE: If the required ayment of principal and interest is not received by us bythe end of 10 calendarday ys
Z.
‘you will pay a late charge to us f $10, You will pay us this late charge promptlybut only once on each late paymel nt ‘thegtate the payment is due,
PREPAYMEN’ If you pay off all or a portion of the obligation early, you will not have to pay a penalty. Prepaymcht could reduce the amount of
finance charges indicated above.
See the reverse side for additional information about the method of payment, nonpayment, default and any prepayment refunds,
Ttemization of Amount Financed:
a, Amount provided to you directly: L sa.00,
b. Amount applied to existing loan no:
¢. Amount paid to others
on your behali(describe):
0.00to
9.00to
Amount Financed (total of a. +b. +c.) 1500.00
Payments shall be applied first to accrued interest and then to reduce your principle balance. This means that your finance charge will be tess If you
pay early and more if you pay late. Any necessary adjustments in y jour total finance charge will be reflected in your final payment. "PROMISE TO
PAY: You promise to pay us the amount financed plus interest at the rate disclosed in the Federal Truth-In-Lending Disclosure Statement at the
Annual
the date after this Agreement unti the total Am« finance plus accruad interest is paid in full. tnterest snail be computed on the basis
@ 365-day year and charged for the actual number of days elapsed. jount “'Pleaso note that your final payment may change depending upon your paymentof
history. *** You agree to pay reasonable attomey's fees, actual costs ‘and expenses incurred by us in the collection and enforcement of this note.
DEFAULT AND ACCELERATION: The un; ipaid balance of this Note including all accrued interest and charges and all other indebtedness and obligation of you
to us shall become immediately due and payable to us at cur option without notice to or demand on you if any of the following “events of default” cr “defautt”
occur:
1 You shall fait to pay any installment, when due, of any amount payable on this Note or in the payment or performance of any other obligation or
indebtedness’ tous:
‘Your death or legal dectarationof /
Wany procesding shall be instituted by or against under any bankrupicy or insolvency sietute; ri you make an assignment for benef of cradiors,
or if @ receiver shail be eppointed for you, or your busine: 5S ore
it we shall deem ourselves: the occurrence of any of the events of defauit.
NOTICE: SEE ADDITIONAL TERMS ON THE REVERSE SIDE OF THIS AGREEMENT. THIS IS IMPORTANT INFORMATION ABOUT THE TERMS OF
THIS AGREEMENT. By signing this Agreement you acknowledge that it was filled in before you signed and that you have received a completed copy
oft. You also warrant and ‘that you are not a debtor under any proceeding in bankruptcy, | Insolvency, or reorganization and have no
Intention to file a petition for rellef under any chapter of tho United States Bankruptcy Code within they, next 60 days. You further acknowledge that
4).
you have read, understand, and agree to all of these terms, including those on the reverse.
NOTICE TO CUSTOMER:
DO NOT SIGN THIS BEFORE READING THE WRITING ON THE REVERSE SIDE.
(8) DO NOT SIGN THIS IF IT CONTAINS ANY BLANK SPACES.
(C) YOU ARE ENTITLED TO AN EXACT COPY OF ANY NOTE YOU SIGN.
(ovo U HAVE THE RIGHT AT ANY TIME TO PAY IN ADVANCE THE UNPAID BALANCE DUE UNDER THIS NOTE AND YOU MAY BE ENTITLED TO A
\L REFUND OF FINANCE CHARGE.
{E) IN ADDITION TO AGREEING TO THE TERMS OF THIS AGREEMENT, | ACKNOWLEDGE, BY MY SIGNATURE BELOW, RECEIPT FROM BROTHER
LOAN & FINANCE COMPANY A P, REGARDING SMALL CONSUMER LOANS,
IE FOLLOWING TOLL-FREE NU!
FN INANCL INSTITUTION: OF THE ILLINOIS DEPARTMENT OF FINANCIAL AND PROFESSIONAL REGULATION, DIVISION OF
8, IS AVAN_ABLE FOR THE PURPOSE OF RECEIVING CREDITOR ASSISTANCE WITH CREDIT PROBLEMS.
yer
RT
R
CO-BORROWER
Bextibit" © ae of
ADDITIONAL TERMS
‘any amount remains owed to us under the Note. You ‘Specifically |
[RETCRNED CHECK CHARGES: You agrec to pay $25.00 for any payment or
payment given to us that is not honored because of insutticieat or acknowledge and agree that we may disclose any delinquent
uncollected funds or because no such account exists. default by you under this Note, along with any other relevant information,
to credit reporting ag ies,
| PREPAYMENT: You may prepay without ponalty all or any portion Any JOINT AND SEVERAL: if thi ote is jgned by more than one
of the amount due under this Note at any time prior to maturity Borrower, you each agree 10 be li le 0 Us. intly, und each of you will
prepaynicnt will be applied to principal (unless you notify us in waiting under
also be liable to us individually for the loan and other obligationswithout
that it should be applied to @ specific installment) and could reduce fature this Note, We may require that any one of you one poy the whole Note
your total interest charges, but will not excuse you fromcouldmaking
shorten the asking anyone else to pay. We may sue anyers. Thisor more of you without
payments on the scheduled cue dates. Prepayment alving up any of our rights against the oth Note is also binding
length of your loun repaynient period. ‘upon the heirs ‘personal represeatatives of all signers and upon anyone
WAIVERS: Demand, presentment for payment and notice ofor to whom any signer assigns his assets or who succeeds to him of her in any
of (iie
dishonor are waived by you. You consent to any extensionsuspends other way.
other accommodation that we make that in any way under this our
remedies or rights, We shail not waive any of our rights else, No GOVERNING LAW: This Note will be governed by the laws of the
Note by making an accommodation for you or someone of any State of Minoi:
| waiver, consent or approval. by us, to a change or amend iment
in writing, ASSIGNMENT: We tay assign or transfer this Note or any of our rights
tesmn or condition of this Note shall be effective unless
unless it expresses u specific intention to umend or modify this Note hereunder, Your obligations under this Note cannot be assigned to a third
and unless we have signed it. party without our prior written consent,
CONTINUED EFFECTIVENESS: If any part of this Note is
CREDIT REPORTING: We may report your performance under this remaining
determined to be invatid or unenforceable for any reason. treprovided
Note 10 credi reporting agencies. You agreed and hereby authorize us parts thereof shall rervain valid and in effect unless otherwise by
to obtain, if'we so elect. credit reports on you both now und at any tin the Illinois Consumer Installment 1.oan Act.
OF
ARBITRATION AGREEMENT PROVISION INCLUDING WAIVER
JURY AND CLASS ACTION PARTICIPATION
system. This arbitration provision gove! ms whenN and how any claims or
Arbitration is a method of deciding disputes outsi ide the court of litigated in court. THIS ARBITRAT ION PROVISIO MAY SUBS: STANTIALLY
disputes you and we may have will be arbitrated instead YOUR RECORDS.
IT CAREFULLY! ON OR A COPY FOR
LIMIT OR AFFECT YOUR RIGHTS. PLEASE READ KEEP THIS PROVISI
You and we agree to arbitrate according to the fotlowing terms: meanings: companies owned by,
Certain Definitions. Certain capitalized words used in this Arbitrati ion Provision have special 1 individuals who manage or own these
controlled by or under common ownership or contrat; with the Lender; and all of the employee's or other
companies. us (including those raised as an initial claim, counterclaim,
“Claim” means any dispute, claim or controversy between you and all to do with: (1) your foan account, (2) this Agreement. (3) any
cross claim, or third party claim) that arises as a result of or has anything to at
prior loan or agreement you may have had with us car (4) your rel mnship with us including our at tempts to collect your abligation. This term
includes (a) disputes about whether this Arbitration Provision is valid or binding or about whether or when it appfies, {b) disputes relating to
constitutional provisions, statutes, ordinances, regulations, cour rt decisions, compliance with this Agreement , (c) disputes relating to wrongful acts
of every type (wt hether intentional, fraudulent, recklessjmsorcourt just n¢ egligent) and (d) any claim or request for injunctive or declaratory relief. The term
“claim* does not mean an action brought in small clai pursuant to Illinois St supreme Court Rules 281-288.
“Administrator means the American Arbitrationted under Association, JA! MS or the National Arbitration Forum. These companies
administer arbitration proceedings. The arbitrator will be select the Administrator's rules.
Starting an Arbitration. You or we may give wri itten notice to the other of sn intention to begin arbitration of a Claim or Claims.or
to require arbitration of the other party's Claim or Claims. All doubts at bout whether to arbitrate a Claim shall be resolved in favor of arbitration.
Hf we initiate arbitration, we shall pay the entire amount of fing fee and any required deposit required by the Administrator. If you
initiate arbitration, you shall pay the first $125 of such costs, and we will pay th 1@ remainder. Any arbitration shall take place in the district of your
residence or in the district in which this Agreement was executed, at your option. ff you cannot afford to pay the fees charged by the
‘Administrator or if you believe that the fees will be prohibitively expensive or excessi ive, ‘we will entertain in good faith any reasonable written
request by you for us to pay or reimburse you for all or part of such fees. Each party shall bear the expense of that party's attorneys, experts,
and witnesses, regardless of which party prevail ls in the arbitration, unless applicable law gives the pat rly the right to recover any of those fees
from the other party.
‘Small Claims. You and we have a right to bring a small claims action not subject to this arbitration provision if any claims or
actions.)
defenses are individual to you and not joined with claims of any other parties (including class
IMPORTANT LIMITATIONS
Waiver of Right to Jury Trial
IF ARBITRATION IS CHOSEN BY ENTIIER OF US WITH RESPECT TO A CLAIM, ARBITRATION NEITHER YOU NOR WE WI. I VE THE RIGHT TO LITIGATE THAT CLAIM IN
COURT OR HAVE A JURY TRIAL ON THAT CLAIM. OR TO ENGAGE IN DISCOVERY "EIT AS PROVIDED FOR IN THE APTI.ACABLE
ARBITRATION RULES OR BY THIS ARBITRATION ? PROVISIOR (CEPT AS FORTH BELOW, THE ARBITRATOR'S DECISION INWILL BE FINA. AND
BINDING. NOTE THAT OTHER RIGITS THAT YOU MAY HAVE IF A CLAIM WAS INITIATED IN COURT MAY NOT BE AVAILABLE ARBITRATION. THE
FEES CHARGED RY THE ARBITRATOR MAY BE HIGHER THAN TI EES CHARGED BY A COURT. THESE SAME LIMITATIONS APPLY TO US.
Class Action Limitations
FURTHER, (F ARBITRATION IS CHOSEN BY EITHER OF US WITT] RESP SEO A CLAIM, YOU MAY NOT PARTICIPATE IN A CLASS ACTION OR A CLASS~
WIDE ARBITRATION, EITHER AS A REPRESENTATIVT: OR MEMBER THIS OF "ANY CLASS OF CLAIMANTS PERTAINING TO ANY ARBITRATION SUCH CLAIM OR ACT, EVEN IF
SUCH CLASS ACTION IS PENDING ON ‘THE Fh ICTIVE DATE OF ARBITRATION PROVISION, EX r THAT TH PROVISION WILL
NOT PRECLUDE YOUR PARTICIPATION IN A CLASS WHICH HAS ALREADY BEEN HAD CERTIFIED ON TH iF Di TIUS ARBITRATION PROVISION
AND WHICH RELATES 10 CLAIMS ARISING FROM A PRIOR AGREEMENT YOU WITH US, AS LONG AS SUCH CERTIFICATI ON SURVIVES ANY AND
ALL APPEALS.
certification survives any and all appeats, you acknowledge
Unless a clags is certified prior to the effective date of this Arbitratl lon Provision and‘we thedecida
class if
that you wil! be giving up your rightto participate as a member of any suchconferred to arbitrate your Claim. This means that you will not be
able to obtain financial and othar benefits that may ultimately be paid to or upon mem! ibers of any such class.
‘THERE SHALL BE NO AUTHORITY FOR CLAIMS TO BE ARBITRATED ONBORROWER. A “CLASS ACTION" BASIS. CLAIMS BROUGHT BY ANY
BORROWER MAY NOT BE JOINED TO CLAIMS BROUGHT BY ANOTHER
Application of Federal ‘Arbitration Act. This Arbitration Provision is made pursuant toshall a transaction involving interstate commerce, and shall be
governed by the Federal ‘Axbitration Act ("FAA"), 9 U.S.C. § 1 et seq. The arbitrator apply applicable substantive faw consistent with the
FAA and applicable statut (es of limitations. This Arbitration Provision shall survive any default extent as well as the repayment of all amounts borrowed
from us, any legal proceeding by us to collect a debt owed by you, and any bankruptcy, to theinvalidateconsistent with applicable bankruptcy law. t
any portion of this Arbitration Provision is deemed invalid or unenforceable, it shi all not the remaining portions of this Arbitratior
Provision or the Agreement.
Contacting Arbitration Administrators. if you have a question al bout the arbitration administrators mentioned in this Arbitration Pravision 0:
would like to obtain a copy of their arbitration rules or fee schedules, you can contact them as follows: JAMS, 45 Broadway, 28th Floor, New
ser B
York, NY 10005, www.jamsadr.com, (800) 352-5267; American Arbitratian Association, dison Avenue, Ni my York, NY 10017
www.adr.org, (800) 778-7878; tional Arbitration Forum, P.O. Box SOPI94 inne lis, jarb-for com §0).474-2371.
"
Ti, Oo
NOTICE: See other side for important information Customer, Please Initial Here,
Mlinois 032417
a
BROTHER LOAN AND FINANCE CO Run Date: 12/07/2022
0091 For: TERESA
. - BLP / SUMMIT Time: 4:03 P.M.
Br Dt 12/07/2022
Print Account Ledger Page: 1
seq Class/Account
2
eee eoeee a Eee
CUSTOMER INFORMATION
Account 486-268900 Ib, $1500, 20 BW
Dealer : SKIP Employer: UNITED STATES PO
Language: English Address 2551 BUSSE RD
Customer :: 142350 SMITH, SHANTELL
Address 6818A S DORCHESTER AVE #3 Occup. MAIL HANDLER
CHICAGO, IL 60637-4715 Started ‘:i 08/15/2020 ELK GROVE VILLAGE, IL 60007
¢, s, z
Work Tel : (847) 595-7368
Home Tel
Cell Ph : (773) 818-9275 Pager :
Soc Sec : XXX-XX-5089
Homeowne: N salary 38584 .00 # of Dep:
Emp Date 08/15/2020 Emp Ver Y Cred Rat:
Mar Stat: Sex : F Birth Dt: 07/18/1989
ACCOUNT INFORMATION
cur Bal : 1080.50 Past Due $60.60
Branch : o1
LTC/Other : 50.00 Pmt Amt : 86.05 # LTC # Ext :7
Open Date: 06/13/2022
06/13/2022 Oth Bal 0.00 orig Trm :' 20 Cur Trm: 20 Last Ext i Prev Ext:
Date Ent. :
Tot Bal F 1130.50 Frequency: Bi-Weekly # Past 30: 60: 90:
orig. Bal: 1500.00
Joint :; No Last Paid: 09/02/2022 Proc Stat: Charged off
Pmts Made: 6 Next Due :fl 09/19/2022 Admn Stat: Active Charge Off
Over/Shrt: 5.70 1st Due 06/27/2022 Rate :: 35.00
Int Hoppr 99.48 Portfolio: Not Found APR :; 35.00
Remarks:
NF NEED FORMS 3 ATTY - GARY SMILEY
LOAN INFORMATION
Total of Pymts: 1721.00 LOF: 0.00 Points: 0.00 LTC Fee: 0.00
orig. Pymt Amt: 86.05 Final pymt: 86.05 Interest: 221.00
Total Paid ;: $22.00 Principal Pd: 419.50 Int Pd: 102.50
ACCOUNT DETAIL
Check Date
Effective Trx
Transaction Comment Number Amount Balance Next Due Entered By
Date No. --
es a oes) eee eeeeee ee
1500.00 1500.00 06/27/22 06/13/22 0171,
06/13/2022 a OPEN Opening Balance
ED -87.00 1413.00 07/11/22 06/24/22 9100
06/24/2022 2 ACE Auto Credit Entry
Interest Posting =D 15.82 1428.82 06/24/22
INT Interest
Applied to Principal -71,18
Auto Credit Entry =D -87.00 1341.82 07/25/22 07/08/22 9100
07/08/2022 ACE
Interest Posting 19.18 1361.00 07/08/22
INT Interest
Applied to Principal -67.82
ED -87.00 1274.00 08/08/22 07/22/22 9200
07/22/2022 ACE Auto Credit Entry
INT Interest Interest Posting =D 18.27 1292.27 07/22/22
Applied to Principal -68.73
ACE Auto Credit Entry +87.00 1205.27 08/22/22 08/05/22 9100
08/05/2022
INT Interest Interest Posting ED 27.35 1222.62 08/05/22
Applied to Principal -69.65
08/19/2022 ACE Auto Credit Entry =D -87.00 1138.62 09/05/22 08/19/22 9200
INT Interest Interest Posting ED 16.41 1152.03 08/19/22
Applied to Principal 70.59
Exhibit w gw Page | _of D_
.
BROTHER LOAN AND FINANCE CO Run Date: 12/07/2022
0001 For: TERESA
Br Dt: 12/07/2022 01 - BLF / SUMMIT Time: 4:03 P.M,
Print Account Ledger Page: 2
Seq : Class/Account
Account: 486-268900 SMITH, SHANTELL
a — pee e
=
7 ACE Auto Credit Entry =D -87.00 1065.03 09/19/22 09/02/22 9100
09/02/2022
INT Interest Interest Posting ED 15.47 1080.50 09/02/22
Applied to Principal -71.53
LTCM Late Charge Manual LIC; PMT DUE: 09/19/22 10.00 1080.50 09/19/22 09/30/22 0366
09/29/2022
LTC; PMT DUE:10/03/22 10.00 1080.50 09/19/22 10/14/22 0366
10/13/2022 LTCM Late Charge Manual
LTCM Late Charge Manual LTC; PMT DUE: 10/17/22 10.00 1080.50 09/19/22 10/28/22 0366
10/27/2022 10
LTCM Late Charge Manual LTC;PMT DUE:10/31/22 10.00 1080.50 09/19/22 1/11/22 0366
11/10/2022 a
LTC; PMT DUE:11/14/22 10.00 1080.50 09/19/22 11/25/22 0366
11/24/2022 12 LTCM Late Charge Manual
O-CR Waive INT 0.00 1080.50 09/19/22 12/07/22 0434
12/07/2022 a3 INTA Interest Adjustment
INTH Interest Hopper CO-CR Set Unpaid INT SH 99.48 1080.50 12/07/22
co Charge Off CO LOAN $1080.50 1080.50 12/07/22
END OF DATA----NO ADDITIONAL DATA IS AVAILABLE
# 0061
ee er 7ie ry te ®
Leeds, Page 2. of 3
PAY-OFF COMPUTATION
12/07/2022
Class/Acct :486-268900 Finance Chg 102.50
SMITH, SHANTELL
Payoff Date:12/07/2022 First Due: 06/27/2022 Orig Term :: 20
Refund Type:Early Payoff Next Due :09/19/2022 Remain Term: 3 Dir: KIP
es
Finance
Policy - ++ Refund -
‘Type Agt Term Effective Premium Charge Fee Meth Premium Fin Chg
gueosseseesnuesseuesseessosEsase pecesessnecesessccseessossss! eueeesece
Se
Cont F/C Ref 0.00 0.00 0.00
ee a — eee a
Current Balance 1080.50
PLUS: Late Charges 50.00
Accrued Interest 99.48
Other Charges 0.00 149.48
Subtotal 1229.98
‘LESS: Finance Charge Refund :i 0.00
Ins Premium Refund : 0.00 ¢ 0.00)
Net Payoff as of 12/07/2022 1229.98
soeessemecse
Dealer Participation:0.00
Cash Option Expires :/ /
006383
—
Es EEi
“4 bit"
ct E
Page 2 of 2
is
Serving the Working Public Since 1990
Brother: 7621 W 634 St, Summit, IL 60501
Loan & Finance (800) 850-8599
11/03/2022
SHANTELL SMITH
6818A S DORCHESTER AVE #3
CHICAGO, IL 60637-4715
Dear Customer,
WARNING
Your account is past due. Unless immediate arrangements are made, Brother Loan & Finance will
have no other alternative but to forward your account to our attorney for collection. This will end
your credit with Brother Loan & Finance and may result in legal fees, court costs and the
garnishment of your wages.
You have five (5) business days from the date of this letter to call us and arrange a payment
schedule. If you've already sent your payment, please disregard this notice and accept our thanks.
Sincerely,
Brother Loan & Finance Company
www.brotherloan.com
Order (Rey. 12/01/20) CCG 0004
IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS
BROTHER LOAN AND FINANCE COMPANY,
an Illinois corporation,
Plaintiff 20245000252
v
Preview
System Generated Hearing Date: 7/8/2024 2:00 PM FILED Location: Court Room 0205 1/8/2024 12:00 AM Judge: Murphy, Thomas W. IRIS Y. MARTINEZ CIRCUIT CLERK COOK COUNTY, IL STATE OF ILLINOIS) 20245000252 Courtroom, 0205 )ss 25861481 COUNTY OF COOK ) IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS MUNICIPAL DEPARTMENT, FIFTH DISTRICT BROTHER LOAN AND FINANCE COMPANY, ) an Illinois corporation, 20245000252 Plaintiff, ) Amount Claimed: $1966.44 plus -vs- ) accrued interest and costs ) SHANTELL SMITH, ) Return Date: ) Defendant. ) VERIFIED COMPLAINT Now comes the Plaintiff, BROTHER LOAN AND FINANCE COMPANY, by and through its attorney, Gary A. Smiley, and in complaining against the Defendant, SHANTELL SMITH, states as follows: 1. That Plaintiff is, and at all times herein mentioned was, a finance company, duly organized and existing under and by virtue of the laws of the State of Illinois, and is duly authorized to do business within the State of Illinois, its principal office being located in Cook County, Illinois. 2. That the Defendant is an individual residing at or whose last known address is 6818A S. DORCHESTER AVE., APT. 3, CHICAGO, IL. 3. That Plaintiff at the specific instance and request of the Defendant issued a loan to said Defendant based upon representations by Defendant as contained in a loan application. 4. That on June 13, 2022, as and for consideration of a loan in the sum of $1500.00, Defendant executed a "Consumer Loan Agreement, Promissory Note and Federal Truth-in-Lending Disclosure Statement", a copy of which is attached hereto, made a part hereof and marked as Exhibit "A" and Defendant received a copy of same on said date. - 1 - 5. That the Defendant took the loan proceeds and used said proceeds as (s)he so deemed fit, but refused to make when due the payments required for the repayment of the loan in accordance with the terms of the Promissory Note. 6. That in accordance with the terms of the agreement no credit has been given Defendant for a rebate and the total amount due for principal, interest, and/or miscellaneous charges is reflected in Plaintiff's account ledger, a copy of which is attached hereto, made a part hereof and marked as Exhibit . 7. That Plaintiff, either directly or through its agent, may have sent various demands requesting the payment due, but the Defendant, without any justifiable reason, has refused to make the said payment, all of which is due and owing, a copy of said demands, if any, are attached hereto, made a part hereof and marked as Exhibit "C 8. That pursuant to their agreement reasonable attorney's fees are requested in the sum of $350.00. 9. That after all payments, credits and set-offs are allowed, and including attorney's fees and interest due pursuant to agreement, there remains due to Plaintiff the total sum of $1966.44 plus accrued interest at the rate of $1.03610 per day to date, and costs. WHEREFORE, Plaintiff, BROTHER LOAN AND FINANCE COMPANY, prays for judgment in its favor and against Defendant, SHANTELL SMITH, in the amount of $1966.44 plus costs and accrued interest to date. GARY A. SMILEY, Attorney for BROTHER LOAN AND FINANCE COMPANY - 2 VERIFICATION Under penalties as provided by law pursuant to Section 1-109 of the Code of Civil Procedure, the undersigned certifies that the statements set forth in this instrument are true and correct except as to matters therein stated to be on information and belief and as to such matters, the undersigned certifies as aforesaid that he/she verily believes the same to be true and accurate in substance and in fact. BROT. R LOAN AND ANCE COMPANY By: © TOUAG | - Ran ‘awn Office Manager This is an attempt to collect a debt. Any information obtained will be used for that purpose. Unless you dispute the validity of this debt within thirty (30) days after receipt of this notice, this debt will be assumed to be valid If you do notify me within this thirty (30) day period that this debt is disputed, then I will verify the debt or judgment and mail a copy of such verification to you. Further, if the original creditor is different from the current creditor, you will be provided with the name and address of the original creditor provided you request it in writing within 30 days. Gary A. Smiley Attorney at Law 4741 N. Western Ave. Chicago, IL 60625-2012 773-878-4400 Attorney No.: 24945 = Bi « CONSUMER LOAN AGREEMENT, PROMISSORY NOTE AND FEDE! RAL TRUTH-IN-LENDING _ DISCLOSURE STATEMENT Original LOAN No. LENDER: BRotHER LOAN & FINANCE COMPANY tus omy ‘7621 W. 63" St Summit, IL 60501 BORROWER: SHAN TELL SMITH CO-BORROWER, 5 18A Ri hee Address ICAG' IL. A715 ‘Address a City, ip City, State Zip Social Security Num Social Security Number DATE OF LOAN:_06/13/22 In this Consumer Loan Agreement, Promissory Note and Federal Truth-In-L ending 1g Disclosure Statement, the words “you” and “your” mean each and all who have signed it. The words “us” and “our” mean the Lender. FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT ANNUAL FINANCE CHARGE AMOUNT FINANCED PERCENTAGE TOTAL OF RATE ‘The doltar amount the credit will PAYMENTS ‘The cost of your credit as a ‘you, ‘The amount of credit provided to ‘The amount you will have paid yearly rate. you or on your behalf. ‘after you have made all Payments as scheduled, 35.00 % $ 221.00 $ 1800.00 $ 1721.00 PAYMENT SCHEDULE: 12 paymentsof $__ 86,05 __due__ Bi-Weekly beginning 06/27/22 A.f- 1 final paymentof ___86.05 dueon 03/2023 LATE CHARGE: If the required ayment of principal and interest is not received by us bythe end of 10 calendarday ys Z. ‘you will pay a late charge to us f $10, You will pay us this late charge promptlybut only once on each late paymel nt ‘thegtate the payment is due, PREPAYMEN’ If you pay off all or a portion of the obligation early, you will not have to pay a penalty. Prepaymcht could reduce the amount of finance charges indicated above. See the reverse side for additional information about the method of payment, nonpayment, default and any prepayment refunds, Ttemization of Amount Financed: a, Amount provided to you directly: L sa.00, b. Amount applied to existing loan no: ¢. Amount paid to others on your behali(describe): 0.00to 9.00to Amount Financed (total of a. +b. +c.) 1500.00 Payments shall be applied first to accrued interest and then to reduce your principle balance. This means that your finance charge will be tess If you pay early and more if you pay late. Any necessary adjustments in y jour total finance charge will be reflected in your final payment. "PROMISE TO PAY: You promise to pay us the amount financed plus interest at the rate disclosed in the Federal Truth-In-Lending Disclosure Statement at the Annual the date after this Agreement unti the total Am« finance plus accruad interest is paid in full. tnterest snail be computed on the basis @ 365-day year and charged for the actual number of days elapsed. jount “'Pleaso note that your final payment may change depending upon your paymentof history. *** You agree to pay reasonable attomey's fees, actual costs ‘and expenses incurred by us in the collection and enforcement of this note. DEFAULT AND ACCELERATION: The un; ipaid balance of this Note including all accrued interest and charges and all other indebtedness and obligation of you to us shall become immediately due and payable to us at cur option without notice to or demand on you if any of the following “events of default” cr “defautt” occur: 1 You shall fait to pay any installment, when due, of any amount payable on this Note or in the payment or performance of any other obligation or indebtedness’ tous: ‘Your death or legal dectarationof / Wany procesding shall be instituted by or against under any bankrupicy or insolvency sietute; ri you make an assignment for benef of cradiors, or if @ receiver shail be eppointed for you, or your busine: 5S ore it we shall deem ourselves: the occurrence of any of the events of defauit. NOTICE: SEE ADDITIONAL TERMS ON THE REVERSE SIDE OF THIS AGREEMENT. THIS IS IMPORTANT INFORMATION ABOUT THE TERMS OF THIS AGREEMENT. By signing this Agreement you acknowledge that it was filled in before you signed and that you have received a completed copy oft. You also warrant and ‘that you are not a debtor under any proceeding in bankruptcy, | Insolvency, or reorganization and have no Intention to file a petition for rellef under any chapter of tho United States Bankruptcy Code within they, next 60 days. You further acknowledge that 4). you have read, understand, and agree to all of these terms, including those on the reverse. NOTICE TO CUSTOMER: DO NOT SIGN THIS BEFORE READING THE WRITING ON THE REVERSE SIDE. (8) DO NOT SIGN THIS IF IT CONTAINS ANY BLANK SPACES. (C) YOU ARE ENTITLED TO AN EXACT COPY OF ANY NOTE YOU SIGN. (ovo U HAVE THE RIGHT AT ANY TIME TO PAY IN ADVANCE THE UNPAID BALANCE DUE UNDER THIS NOTE AND YOU MAY BE ENTITLED TO A \L REFUND OF FINANCE CHARGE. {E) IN ADDITION TO AGREEING TO THE TERMS OF THIS AGREEMENT, | ACKNOWLEDGE, BY MY SIGNATURE BELOW, RECEIPT FROM BROTHER LOAN & FINANCE COMPANY A P, REGARDING SMALL CONSUMER LOANS, IE FOLLOWING TOLL-FREE NU! FN INANCL INSTITUTION: OF THE ILLINOIS DEPARTMENT OF FINANCIAL AND PROFESSIONAL REGULATION, DIVISION OF 8, IS AVAN_ABLE FOR THE PURPOSE OF RECEIVING CREDITOR ASSISTANCE WITH CREDIT PROBLEMS. yer RT R CO-BORROWER Bextibit" © ae of ADDITIONAL TERMS ‘any amount remains owed to us under the Note. You ‘Specifically | [RETCRNED CHECK CHARGES: You agrec to pay $25.00 for any payment or payment given to us that is not honored because of insutticieat or acknowledge and agree that we may disclose any delinquent uncollected funds or because no such account exists. default by you under this Note, along with any other relevant information, to credit reporting ag ies, | PREPAYMENT: You may prepay without ponalty all or any portion Any JOINT AND SEVERAL: if thi ote is jgned by more than one of the amount due under this Note at any time prior to maturity Borrower, you each agree 10 be li le 0 Us. intly, und each of you will prepaynicnt will be applied to principal (unless you notify us in waiting under also be liable to us individually for the loan and other obligationswithout that it should be applied to @ specific installment) and could reduce fature this Note, We may require that any one of you one poy the whole Note your total interest charges, but will not excuse you fromcouldmaking shorten the asking anyone else to pay. We may sue anyers. Thisor more of you without payments on the scheduled cue dates. Prepayment alving up any of our rights against the oth Note is also binding length of your loun repaynient period. ‘upon the heirs ‘personal represeatatives of all signers and upon anyone WAIVERS: Demand, presentment for payment and notice ofor to whom any signer assigns his assets or who succeeds to him of her in any of (iie dishonor are waived by you. You consent to any extensionsuspends other way. other accommodation that we make that in any way under this our remedies or rights, We shail not waive any of our rights else, No GOVERNING LAW: This Note will be governed by the laws of the Note by making an accommodation for you or someone of any State of Minoi: | waiver, consent or approval. by us, to a change or amend iment in writing, ASSIGNMENT: We tay assign or transfer this Note or any of our rights tesmn or condition of this Note shall be effective unless unless it expresses u specific intention to umend or modify this Note hereunder, Your obligations under this Note cannot be assigned to a third and unless we have signed it. party without our prior written consent, CONTINUED EFFECTIVENESS: If any part of this Note is CREDIT REPORTING: We may report your performance under this remaining determined to be invatid or unenforceable for any reason. treprovided Note 10 credi reporting agencies. You agreed and hereby authorize us parts thereof shall rervain valid and in effect unless otherwise by to obtain, if'we so elect. credit reports on you both now und at any tin the Illinois Consumer Installment 1.oan Act. OF ARBITRATION AGREEMENT PROVISION INCLUDING WAIVER JURY AND CLASS ACTION PARTICIPATION system. This arbitration provision gove! ms whenN and how any claims or Arbitration is a method of deciding disputes outsi ide the court of litigated in court. THIS ARBITRAT ION PROVISIO MAY SUBS: STANTIALLY disputes you and we may have will be arbitrated instead YOUR RECORDS. IT CAREFULLY! ON OR A COPY FOR LIMIT OR AFFECT YOUR RIGHTS. PLEASE READ KEEP THIS PROVISI You and we agree to arbitrate according to the fotlowing terms: meanings: companies owned by, Certain Definitions. Certain capitalized words used in this Arbitrati ion Provision have special 1 individuals who manage or own these controlled by or under common ownership or contrat; with the Lender; and all of the employee's or other companies. us (including those raised as an initial claim, counterclaim, “Claim” means any dispute, claim or controversy between you and all to do with: (1) your foan account, (2) this Agreement. (3) any cross claim, or third party claim) that arises as a result of or has anything to at prior loan or agreement you may have had with us car (4) your rel mnship with us including our at tempts to collect your abligation. This term includes (a) disputes about whether this Arbitration Provision is valid or binding or about whether or when it appfies, {b) disputes relating to constitutional provisions, statutes, ordinances, regulations, cour rt decisions, compliance with this Agreement , (c) disputes relating to wrongful acts of every type (wt hether intentional, fraudulent, recklessjmsorcourt just n¢ egligent) and (d) any claim or request for injunctive or declaratory relief. The term “claim* does not mean an action brought in small clai pursuant to Illinois St supreme Court Rules 281-288. “Administrator means the American Arbitrationted under Association, JA! MS or the National Arbitration Forum. These companies administer arbitration proceedings. The arbitrator will be select the Administrator's rules. Starting an Arbitration. You or we may give wri itten notice to the other of sn intention to begin arbitration of a Claim or Claims.or to require arbitration of the other party's Claim or Claims. All doubts at bout whether to arbitrate a Claim shall be resolved in favor of arbitration. Hf we initiate arbitration, we shall pay the entire amount of fing fee and any required deposit required by the Administrator. If you initiate arbitration, you shall pay the first $125 of such costs, and we will pay th 1@ remainder. Any arbitration shall take place in the district of your residence or in the district in which this Agreement was executed, at your option. ff you cannot afford to pay the fees charged by the ‘Administrator or if you believe that the fees will be prohibitively expensive or excessi ive, ‘we will entertain in good faith any reasonable written request by you for us to pay or reimburse you for all or part of such fees. Each party shall bear the expense of that party's attorneys, experts, and witnesses, regardless of which party prevail ls in the arbitration, unless applicable law gives the pat rly the right to recover any of those fees from the other party. ‘Small Claims. You and we have a right to bring a small claims action not subject to this arbitration provision if any claims or actions.) defenses are individual to you and not joined with claims of any other parties (including class IMPORTANT LIMITATIONS Waiver of Right to Jury Trial IF ARBITRATION IS CHOSEN BY ENTIIER OF US WITH RESPECT TO A CLAIM, ARBITRATION NEITHER YOU NOR WE WI. I VE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM. OR TO ENGAGE IN DISCOVERY "EIT AS PROVIDED FOR IN THE APTI.ACABLE ARBITRATION RULES OR BY THIS ARBITRATION ? PROVISIOR (CEPT AS FORTH BELOW, THE ARBITRATOR'S DECISION INWILL BE FINA. AND BINDING. NOTE THAT OTHER RIGITS THAT YOU MAY HAVE IF A CLAIM WAS INITIATED IN COURT MAY NOT BE AVAILABLE ARBITRATION. THE FEES CHARGED RY THE ARBITRATOR MAY BE HIGHER THAN TI EES CHARGED BY A COURT. THESE SAME LIMITATIONS APPLY TO US. Class Action Limitations FURTHER, (F ARBITRATION IS CHOSEN BY EITHER OF US WITT] RESP SEO A CLAIM, YOU MAY NOT PARTICIPATE IN A CLASS ACTION OR A CLASS~ WIDE ARBITRATION, EITHER AS A REPRESENTATIVT: OR MEMBER THIS OF "ANY CLASS OF CLAIMANTS PERTAINING TO ANY ARBITRATION SUCH CLAIM OR ACT, EVEN IF SUCH CLASS ACTION IS PENDING ON ‘THE Fh ICTIVE DATE OF ARBITRATION PROVISION, EX r THAT TH PROVISION WILL NOT PRECLUDE YOUR PARTICIPATION IN A CLASS WHICH HAS ALREADY BEEN HAD CERTIFIED ON TH iF Di TIUS ARBITRATION PROVISION AND WHICH RELATES 10 CLAIMS ARISING FROM A PRIOR AGREEMENT YOU WITH US, AS LONG AS SUCH CERTIFICATI ON SURVIVES ANY AND ALL APPEALS. certification survives any and all appeats, you acknowledge Unless a clags is certified prior to the effective date of this Arbitratl lon Provision and‘we thedecida class if that you wil! be giving up your rightto participate as a member of any suchconferred to arbitrate your Claim. This means that you will not be able to obtain financial and othar benefits that may ultimately be paid to or upon mem! ibers of any such class. ‘THERE SHALL BE NO AUTHORITY FOR CLAIMS TO BE ARBITRATED ONBORROWER. A “CLASS ACTION" BASIS. CLAIMS BROUGHT BY ANY BORROWER MAY NOT BE JOINED TO CLAIMS BROUGHT BY ANOTHER Application of Federal ‘Arbitration Act. This Arbitration Provision is made pursuant toshall a transaction involving interstate commerce, and shall be governed by the Federal ‘Axbitration Act ("FAA"), 9 U.S.C. § 1 et seq. The arbitrator apply applicable substantive faw consistent with the FAA and applicable statut (es of limitations. This Arbitration Provision shall survive any default extent as well as the repayment of all amounts borrowed from us, any legal proceeding by us to collect a debt owed by you, and any bankruptcy, to theinvalidateconsistent with applicable bankruptcy law. t any portion of this Arbitration Provision is deemed invalid or unenforceable, it shi all not the remaining portions of this Arbitratior Provision or the Agreement. Contacting Arbitration Administrators. if you have a question al bout the arbitration administrators mentioned in this Arbitration Pravision 0: would like to obtain a copy of their arbitration rules or fee schedules, you can contact them as follows: JAMS, 45 Broadway, 28th Floor, New ser B York, NY 10005, www.jamsadr.com, (800) 352-5267; American Arbitratian Association, dison Avenue, Ni my York, NY 10017 www.adr.org, (800) 778-7878; tional Arbitration Forum, P.O. Box SOPI94 inne lis, jarb-for com §0).474-2371. " Ti, Oo NOTICE: See other side for important information Customer, Please Initial Here, Mlinois 032417 a BROTHER LOAN AND FINANCE CO Run Date: 12/07/2022 0091 For: TERESA . - BLP / SUMMIT Time: 4:03 P.M. Br Dt 12/07/2022 Print Account Ledger Page: 1 seq Class/Account 2 eee eoeee a Eee CUSTOMER INFORMATION Account 486-268900 Ib, $1500, 20 BW Dealer : SKIP Employer: UNITED STATES PO Language: English Address 2551 BUSSE RD Customer :: 142350 SMITH, SHANTELL Address 6818A S DORCHESTER AVE #3 Occup. MAIL HANDLER CHICAGO, IL 60637-4715 Started ‘:i 08/15/2020 ELK GROVE VILLAGE, IL 60007 ¢, s, z Work Tel : (847) 595-7368 Home Tel Cell Ph : (773) 818-9275 Pager : Soc Sec : XXX-XX-5089 Homeowne: N salary 38584 .00 # of Dep: Emp Date 08/15/2020 Emp Ver Y Cred Rat: Mar Stat: Sex : F Birth Dt: 07/18/1989 ACCOUNT INFORMATION cur Bal : 1080.50 Past Due $60.60 Branch : o1 LTC/Other : 50.00 Pmt Amt : 86.05 # LTC # Ext :7 Open Date: 06/13/2022 06/13/2022 Oth Bal 0.00 orig Trm :' 20 Cur Trm: 20 Last Ext i Prev Ext: Date Ent. : Tot Bal F 1130.50 Frequency: Bi-Weekly # Past 30: 60: 90: orig. Bal: 1500.00 Joint :; No Last Paid: 09/02/2022 Proc Stat: Charged off Pmts Made: 6 Next Due :fl 09/19/2022 Admn Stat: Active Charge Off Over/Shrt: 5.70 1st Due 06/27/2022 Rate :: 35.00 Int Hoppr 99.48 Portfolio: Not Found APR :; 35.00 Remarks: NF NEED FORMS 3 ATTY - GARY SMILEY LOAN INFORMATION Total of Pymts: 1721.00 LOF: 0.00 Points: 0.00 LTC Fee: 0.00 orig. Pymt Amt: 86.05 Final pymt: 86.05 Interest: 221.00 Total Paid ;: $22.00 Principal Pd: 419.50 Int Pd: 102.50 ACCOUNT DETAIL Check Date Effective Trx Transaction Comment Number Amount Balance Next Due Entered By Date No. -- es a oes) eee eeeeee ee 1500.00 1500.00 06/27/22 06/13/22 0171, 06/13/2022 a OPEN Opening Balance ED -87.00 1413.00 07/11/22 06/24/22 9100 06/24/2022 2 ACE Auto Credit Entry Interest Posting =D 15.82 1428.82 06/24/22 INT Interest Applied to Principal -71,18 Auto Credit Entry =D -87.00 1341.82 07/25/22 07/08/22 9100 07/08/2022 ACE Interest Posting 19.18 1361.00 07/08/22 INT Interest Applied to Principal -67.82 ED -87.00 1274.00 08/08/22 07/22/22 9200 07/22/2022 ACE Auto Credit Entry INT Interest Interest Posting =D 18.27 1292.27 07/22/22 Applied to Principal -68.73 ACE Auto Credit Entry +87.00 1205.27 08/22/22 08/05/22 9100 08/05/2022 INT Interest Interest Posting ED 27.35 1222.62 08/05/22 Applied to Principal -69.65 08/19/2022 ACE Auto Credit Entry =D -87.00 1138.62 09/05/22 08/19/22 9200 INT Interest Interest Posting ED 16.41 1152.03 08/19/22 Applied to Principal 70.59 Exhibit w gw Page | _of D_ . BROTHER LOAN AND FINANCE CO Run Date: 12/07/2022 0001 For: TERESA Br Dt: 12/07/2022 01 - BLF / SUMMIT Time: 4:03 P.M, Print Account Ledger Page: 2 Seq : Class/Account Account: 486-268900 SMITH, SHANTELL a — pee e = 7 ACE Auto Credit Entry =D -87.00 1065.03 09/19/22 09/02/22 9100 09/02/2022 INT Interest Interest Posting ED 15.47 1080.50 09/02/22 Applied to Principal -71.53 LTCM Late Charge Manual LIC; PMT DUE: 09/19/22 10.00 1080.50 09/19/22 09/30/22 0366 09/29/2022 LTC; PMT DUE:10/03/22 10.00 1080.50 09/19/22 10/14/22 0366 10/13/2022 LTCM Late Charge Manual LTCM Late Charge Manual LTC; PMT DUE: 10/17/22 10.00 1080.50 09/19/22 10/28/22 0366 10/27/2022 10 LTCM Late Charge Manual LTC;PMT DUE:10/31/22 10.00 1080.50 09/19/22 1/11/22 0366 11/10/2022 a LTC; PMT DUE:11/14/22 10.00 1080.50 09/19/22 11/25/22 0366 11/24/2022 12 LTCM Late Charge Manual O-CR Waive INT 0.00 1080.50 09/19/22 12/07/22 0434 12/07/2022 a3 INTA Interest Adjustment INTH Interest Hopper CO-CR Set Unpaid INT SH 99.48 1080.50 12/07/22 co Charge Off CO LOAN $1080.50 1080.50 12/07/22 END OF DATA----NO ADDITIONAL DATA IS AVAILABLE # 0061 ee er 7ie ry te ® Leeds, Page 2. of 3 PAY-OFF COMPUTATION 12/07/2022 Class/Acct :486-268900 Finance Chg 102.50 SMITH, SHANTELL Payoff Date:12/07/2022 First Due: 06/27/2022 Orig Term :: 20 Refund Type:Early Payoff Next Due :09/19/2022 Remain Term: 3 Dir: KIP es Finance Policy - ++ Refund - ‘Type Agt Term Effective Premium Charge Fee Meth Premium Fin Chg gueosseseesnuesseuesseessosEsase pecesessnecesessccseessossss! eueeesece Se Cont F/C Ref 0.00 0.00 0.00 ee a — eee a Current Balance 1080.50 PLUS: Late Charges 50.00 Accrued Interest 99.48 Other Charges 0.00 149.48 Subtotal 1229.98 ‘LESS: Finance Charge Refund :i 0.00 Ins Premium Refund : 0.00 ¢ 0.00) Net Payoff as of 12/07/2022 1229.98 soeessemecse Dealer Participation:0.00 Cash Option Expires :/ / 006383 — Es EEi “4 bit" ct E Page 2 of 2 is Serving the Working Public Since 1990 Brother: 7621 W 634 St, Summit, IL 60501 Loan & Finance (800) 850-8599 11/03/2022 SHANTELL SMITH 6818A S DORCHESTER AVE #3 CHICAGO, IL 60637-4715 Dear Customer, WARNING Your account is past due. Unless immediate arrangements are made, Brother Loan & Finance will have no other alternative but to forward your account to our attorney for collection. This will end your credit with Brother Loan & Finance and may result in legal fees, court costs and the garnishment of your wages. You have five (5) business days from the date of this letter to call us and arrange a payment schedule. If you've already sent your payment, please disregard this notice and accept our thanks. Sincerely, Brother Loan & Finance Company www.brotherloan.com Order (Rey. 12/01/20) CCG 0004 IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS BROTHER LOAN AND FINANCE COMPANY, an Illinois corporation, Plaintiff 20245000252 v