Preview
FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696
NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023
Ploiotiff
Aûldavit 1 of 12
FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696
NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023
SUPREME COURT OF THE STATE OF NEW YORK
COUNTY OF WYOMING
__________________________________________________________Ç
SYNCHRONY BANK
PLAINTIFF,
INDEX NUMBER 9001696
-AGAINST- FILE NO. G1758815
LAURA BURKHARDT
DEFENDANT.
2 of 12
FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696
NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023
COURT OF THE OF NEW YORK
COUNTY OF
Creditor Name: Synchrony Bank INDEX NO.
Debtor Name: LAURA BURKHARDT
Account Number; ****************1567
AFFIDAVIT OF FACTS BY ORIGINAL CREDITOR
STATE OF FLORIDA
:SS
COUNTY OF SEMINOLE
BEFORE ME, the undersigned authority personally appeared and personally known by me, this day, NELSON
RAMIREZ, and who after being duly sworn deposed and says as follows:
1. I am an employee of Plaintiff, and I have access to Plaintiff's books and records ("Business Records"),
including electronic records, relating to the account ("Account") of LAURA BURKHARDT . The last
four digits of the Account number are ****************1567. In my position, I have personal
knowledge of the procedures for creating and maintaining Plaintiff's Business Records. Plaintiff's
Business Records were made in the regular course of business and it was the regular course of such
business to make the Business Records. The records were made at or near the time of the events
recorded. Based on my review of Plaintiff's Business Records, I have personal knowledge of the facts
set forth in this affidavit.
2. Plaintiff and Defendant entered into a credit agreement ("Agreement"). Defendant agreed to pay
Plaintiff for all goods, services and cash advances provided pursuant to the Agreement. The amount of
the last payment, if any, made by Defendant was $181.00, made on 06/14/2022. Defendant is now in
default and demand for payment has been made. A true and correct copy of the Agreement or
document(s) evidencing the Agreement is/are attached as an exhibit to this affidavit.
3. At this time, Defendant owes $5,341.60 on the Account. This amount includes a charge-off balance of
$5,341.60, post-charge-off interest of $0.00, post-charge-off fees and charges of $0.00, less any post-
charge-off credits or payments made by or on behalf of the Defendant of to 00 .
4. As set forth in New York CPLR Article 50, the interest rate applicable to the Account pursuant to
section five thousand four of this chapter applies.
5. Plaintiff explicitly disclaims any right to post-judgment interest on this Account.
WHEREFORE, deponent demands judgment against Defendant for $5,341.60, together with the costs and
disbursements of this action.
The above statements are true and correct to the best of my personal knowledge.
Version ID: 1.02_NY_06_07 2020
3 of 12
FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696
NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023
Media Affidavit Senior Representative, Affiant
NELSONRAMIREZ 12/22/2023
The forgoing affidavit sworn to and ubscribed befor me this 22 day of November, 2023.
EVA LINDO
of Florida
Notary Public Notary Public-State 252368
Commission # HH
Expires
My Commission
April 12, 2026
expires: / & 20 Z
p
My commission
Version ID: 1.02 NY 06 07 2020
4 of 12
FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696
NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023
c
E
5 of 12
FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696
NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023
THANK YOU
for being a Synchra y
cardhamer
CARECREDIT/SYNCHRONYBANK LAURA BURKHA
Number
Account : 1567
Statement
closingDate: 3
f synchrony
umiriary of Account AEllvhy Paymént Inf ormation
PreviousBalance $5,301.60 NewBalance $0.00
+ NewPurchases $0.00 TotatMinimumPayment Due $1,630.00
- Payments $0.00 Payment DueDate 01/2012023
+b Credits,Fees&Adjustments
(net) ($5,301.60)PAYMENT DUEBY5P.M.EASTERN ONTHEDUEDATE.
+/- Interest
Charge(not) $0.00 We yourpaymeItintoanelectronic
debit.See
mayconvert
NewBalance $0.00 reverse
side.
CreditLimit $5,000.00
Available
Credit $0.00 LatePayment Warning:Ifwedonotreceive
yourTotal
DaysIn BillingPeriod 29 Minimum PaymentDuebythePayment DueDatelistedabove,
youmayhavetopayalatefeeupto$40.00.
Payonlineforfreeat:mysynchrony.com
ForSynchronyBankcustomerserviceor toreportyour
cardlostorstolen,call(1-86&893-7864).
BesttimestocallareWednesday- Friday.
Promotio al Purchase Sénmáry . r
Promotional Promotional Deterred TranDate Desenption imtlai
Expiration Balance Interest Charge Purchase
Date Amount
UNTILPAIDOFF $4,622.46 $0.00 04/28/2022FixedPayment Reduced Apr $4,318.00
Asummary ofyourpromotional
purchase
isprovidedabove.
ifyouhavea DEFERRED INTEREST/NO INTEREST IFPAIDINFULLpromotion:ToavoidpayingDeferred Interest
Charges
Promotional
youmustpaytheentireapplicable
onthesepromotion(s), Balance Expiration
bythePromotional Date.Orla
FixedPayment (Extended
PaymentPlan)promotional Charge
theInterest
purchase, isbilledmonthly
andincludedaspartof
theMinimum Paymentdue.
seeMakePayment
Tomakemorethanonepayment Toaddress
orpayonlineatmysynchrony.com.
* NOTICE:
Seereverse information
pages(ifany)forimportant
sideandadditional youraccount.
conceming
5302 DFn 1 3 17 23ona ZxPAGS 1 of 3 So723800C6S7olDG5302
onEns
Pay lhiscoupon
orancloso
atmycynchrony.com with check.
your Please
uso
bloo
orblack
Ink.
rememm < fast oun ' payrc.N Aecaumnumber
re
$1,630.00 $0.00 01 0G023 $0.00 1587
Payment
Enclosed
:
Newaddress ore-mall? Payment dueincludes paythepastdueamount
$0.00pastdue.Please PROMPTLY.
Chsck theboxatleftand
printchangesonback
" " "
LAURA BURKHARDT
MakePayment to:SYNCHRONANK
A ANY 40 19653
ORLANDO,FL32896-0061
h lbr[·h I ni I II inst
IIggig|[Inlimlhthill
000000000 000000000000000 DOs
6 of 12
FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696
NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023
Customer Service: Foraccount information, callthenumber onthefrontofthisstatement. ForHearing orSpeech disabililies, usea·fRS.
Unless yourname islisted onthisstatement, youraccess toinformation onIheaccount may belimited. Youmayalsomailquestions (butnot
payments) to:P.O. Box985033, Orlando, FL32896-5033.Please include your account number onanycorrespondence yousend tous.
Payments: Send payments totheaddress listed anIheremittance coupon porlionofthisstatement orpayonline atwwwmysynchrony com
Overnight Payments:Payments cannoIbe made inpemon; mailpayments loSynchrony Bank340 Wekiva Springs Road, Longwood, FL32779.
Notice: Seebelow foryourBilling Rights andother important informalion. Telephoning about errors
billing will n otp reserve your rights under
federallaw.Topreserve yourrights, please writetoourBilling Inquiries Address, P.0,Box985035, Orlando, FL32898.5035.
Purchases, relums andpayments made justprior10billing datemaynotappear untilnextmonth's statement. When youprovide acheck as
payment, youauthorize useither touseinformalion from your checktomake aone-lime electronicfund transferfrom your accounior loprocess the
payment asacheck transaction. When weuseinformation from your check tomake anelectronic fund funds
transfer, may be withdrawn from your
account assoon asthesameday wereceive your payment and youwillnotreceive yourcheckbackimm your finandalinstitution. Youmay choose
not10have yourpayment collected electronically bysending yourpayment (withtheremittance coupon) Inyourownenvelope - notthe
enclosed remittance envelope, addressed to:PDBox530960, Atlanta, GA30353.0960 andnotthepayment address.
What ToDo11You ThinkYouFindAMistake OnYour Statement: Condlflonal Payments: All wrillencommunications concerning
Ifyouthink 1here isanerroronyourstalement, write tousat: disputedamounts,including anycheckor otherpaymentinstrumentihat:
P.O. FL32896.5035. (i)indicates
that the payment constitutes "payment infulF oris tendered
Box985035,
Synchrony Bank, . . Orlando, asfullsatisfaction ofadisputed amount, or(ii)istendered withother
Inyourletter giveusthefollowmg mformation: conditions orlimilations ('Disputed Payments"), must bemailed or
- Account information: Your name andaccouninumber delivered lousat
" Dollaramount: The dollar amounlof the suspected error P.O. Box965035, Orlando, FL32896.5035.
" Dosenplion ofproblem: Ifyouthinkthere isanerroronyourbill, Credits ..
andwhyyoubelieve it is ToYour Account: Anamount shown inparenlhesis isacredit
describe whatyoubelieve is wrong halance unless olherwise mdicated. Credi1s willbeapplied fo
amistake orcredit
uswithin60daysallerIheerrorappeared your previous balance immediately upon r eceipt,but w illnot
salisfy any
Youmustcontact on required payment thatmay bedue.
yourslafement.
usofanypotential errors inwriting. Youmaycallus, CreditReports andAccountinformapom If youbelieve that
Youmustnotify we have reported maccurate mformahon aboutyouto a
butifyoudowearenotrequired toinvestigate anypotential errors and may
consumer-reporting agency, please contact usatP.O. Box965036,
youmayhave topayIheamount inquestion. FL32896.5036. Indoing so,please theinaccurato
While weinvestigate whether ornottherehasbeen anerror,the Orlando,
informationand lellus whyyou believe
identify
itisincorrect Ifyouhavea copy
following aretrue: ofthecredit report thatincludes Iheinaccurate information, please
"Wecannot trytocollect theamount inquestion orreport youas include acopy ofthalreport, Wemayreport informafon about your
delinquent onthatamount· account tocredit bureaus. Late payments, missed payments, orother
" Thecharge inquestion mayremain onyour stalernent andwemay defaulls onyour account maybereflected inyour credit repor t.
continue tocharge youinterest onthatamount. Bul;if wedetermineHowWeCalculate laterest: We(igure theinterest charge onyour
thatwemade a mistake, youwillnothavelopaythearnount in accountby theperiodic rate the"dailybalance" ofyour account
applying to
queslNn oranymterest orother feesr elated tothat amount. foreach i nIke cyde.
billing We then add the interest tothe daily
" Whileyoudonothavetopaytheamount mquestion, youare balance. d ay balance"
Toget the'daily wetake thebeginning ofyour
balance
responsible fortheremainder ofyour balance. account eachday (whichincludes unpaid add
interest), any new charges,
" Wecanapply anyunpaid amount agamst your credit limit. andsubtract orcredis. Thisg'ves us
andapplicable feesr anypayments
Your Rights IfYou AreDissatisfiedWithYour Credit Card Purchasesthedaily balance. Anydaily balance oflessthan zero willbetreated as
If youaredissatisfied wilhthegoods orservices 1hat youhave zero. Aseparate daily balance wilbecalculated foreach balance type on
purchased withyourcredilcard, andyouhave triedingoodfailhto your account.Thebalance(s) shownin theInterest Charges section ofthis
correct theproblem withthemerchant, youmayhave Iherighlnotto slalement isthesum ofthedaily balances foreach dayinthebilling cycle
paytheremaining amount due onthe purchase. To use this all
right, o f dNidedby thenumber ofdays inthebilling cycle.
thefollowmg must beIrue: Bankruptcy Notice: Ifyou filebankrup1cy you must send u s notice,
1.Thepurchase muslhavebeen madeinyourhomestateorwithin100nides incuding account number andallinformation related tothepNceeding
ofyour current mading addess, and thepurchase price must havebeen tothefollowing address: Synchrony Bank, Altn:Bankruptcy Dept.,
morethanS50.(Note:Neitherdthesearenecessayif your purchasewas RO.Box965064, Orlando, FL32896-5064.
based onanadverlisement wemailed toyou, orifweown thecompany
thatsoldyouthe goodsorservices.) Youraccount isowned andserviced Bank.
bySynchrony
2.Youmust have used yourcredit card forthepurchase. Purchases
made withcashadvances fromanATMorwithacheck that
accesses yourcredit cardaccount donotqualify. Useof Information AboutYouandYour A ccount: OurPrivacy
Policy describes ourcollection anddisclosure ofinformation about you
3.Youmust notyethavefullypaidforthepurchase. andyour Account. ifyouwould likeanother copy ofthePrivacy Poloy,
Ifallofthecriteria above aremetand youarestilldissatisfied withthe please callusatthecustomer service telephone number indicated on
purchase. contact usinwriting at: thefrontofthisstatement.
Synchrony Bank
P.O. Box965035, Orlando, FL32896-5035
While weinvestigate, thesame rules apply tothedisputed amount as
discussed above. Afterwefinish ourinvestigation, wewilltellyouour
decision. Atthatpoint, ifwethink youoweanamount andyoudonot
paywemayreporl youasdelinquent.
/nformation AboutPayments: Youmayatanytimepay,inwhole
orinpart,thetotalunpaid balance without anyadditional charge
for prepayment. Payments receivedafterS:00 PM(ET) onanydaywill
becredited asofthenextday.Credit toyouraccount may bedelayed
uptofivedays ifpayment (a)isnotreceived atthepayment address,
(b)isnotmade inLLS.dollars drawn onaU.S.linancial institution
tocated intheU.S,(c)isnotaccompanied bytheremittance coupon
attached toyourstatement, (d)contains more thanonepayment or
remiliance coupon, (e)is notreceived intheremittance envelope
provided or(f)includes paper
staples. clips, tape, afolded check or
correspondence ofanytype.
- 1-02/07/18
01DGS302
tocollect
Thisisanattempt obtained
andanyinformation
adebt forIhatpurpose.
willbeused
atelephone
'Byproviding numberonyour youconsent
account, Bank
loSynchrony andanyother orservicer
owner account
ofyour contacting
youabout
youraccount,
including
using information
anyconiact numbers
orcellphone youprovide, tolheuseofanyautomatic
andyouconsent
lelephone a
system
dialing nd/or
an artificial
orrerecorded
voice
whenc even
you.
ontacting i fyou charged
are call
forthe u nder
yourphone
plan.
Forchanges phone
and/or
ofaddress number, theboxandprintthechanges
check
please below,
Streel
Address
¡ State
City.
ZIP
Phone #
"Home
Phone
# Phone
'Business # #orother
*Cell phone#
wecanusetoconlacl
you
theabove
youcanupdate
Remember, aswellasyouremail
information online
address mysynchrnnvnors.
atwww
7 of 12
FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696
NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023
TranDate Number
PostDate Reference Description Amount
01/18/2023 01/18/2023F9072000J00999990 CHARGE OFFACCOUNT-PRINCIPALS ($4,209.48)
01/18/2023 01/18/2023F9072000J00999990 CHARGE OFFACCOUNT-INTEREST ($473.85)
CHARGE
01/18/2023 01/18/2023F9072000J00999990 CHARGE OFFACCOUNT
'FEE ($658.27)
CHARGEOFF*
FEES
01/12/2023 01/12/2023 LATEFEE $40.00
TOTALFEESFORTHISPERIOD $40.00
CHARGED
INTEREST
01/18/2023 01/18/2023 INTEREST
CHARGEONPURCHASES $0.00
FORTHISPERIOD
TOTALINTEREST $0.00
TotalFeesCharged in2023 $40.00
Charged
TotalInterest In2023 $0.00
Paidin2023
TotalInterest $0.00
Date
Expiration Annual BalanceSubjectto Interest
Charge
TypeofBalance Percentage Interest
Rate
Rate(APR) ..... . .
Purchases NA 28.99% $0.00 $0.00
Reduced
FixedPayment Apr PAIDOFF
UNTIL 15.90% $0.00 $0.00
youraccountprivacy,weareunable account
toprovide information
toanyone or
otherthanthecardholder(s)
Inordertoprotect pleasesend
anauthorizedpaity.Ifyouwishtopermitustospeaktoanauthorizedpartysuchasaspouse aboutyouraccount,
writtenauthorization
totheGeneral address.
inquiries
IfyouraccounthasaDeferred promotional
interest balanceandyouwouldlikeapayment tobeapplied toaspecific
promotionalornon-promotional
balance,callCustomer nolaterthan60daysafterthetransaction
Service, dateofyourpayment
asshown onyourstatement,toleamwhatoptions maybeavailable.
Ifyouneedassistance withanaccommodation and/or
foryourstatements account call800-292-7508.
letters,please
Ifyouneed tocontact about
theloss ofa cardholder,
Synchrony youcansubmit adeceased form
notification
Synchrony Us'page.
locatedatwww.syf.com underthe'Contact
tocustomer.
notprovided
Statement
5302 DFII 1 3 17 2301L8 ZXPAGE
2 of 3 90723800c6S7olDG5302
8 of 12
FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696
NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023
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Allproductnames, andbrandsare
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CARECREDIT/SYNCHRONYBANK LAURA BURKHAR
Number
Account : 1567
Closin ate:0
Statement /2022
f synchrony
Previous
Balance $4,433.88NewBalance $4,412.57
+ NewPurchases $0.00 TotalMinimumPaymentDue $185.00
- bayments $181.00 Payment DueDate 07/12/2022
+A Credits,
Fees&Adjustments
(net) $101.05 PAYMENT DUEBY5 P.M.EASTERN ONTHEDUEDATE.
+A Interest
Charge(net) $5864 Wemayconvert yourpayment
intoanelectronic
debit.See
NewBalance S4,412.57reverse
side.
CreditLimit $5,000.00
Available
Credit $587.00 LatePayment Waming:ifwedonotreceive yourTotal
Minimum Payment DuebythePayment DueDatelistedabove,
Daysin BillingPeriod 30 you
mayhaveto.paya latefeeupto$40.00.
Payonlineforfreeat:mysynchrony.com Minimum Payment Warning:Making
onlytheTotalMinimum
ForSynchrony Bankcustomerserviceorto reportyour Payment Duewillincreasetheamountoflaterest
youpayand
cardlostor stolen,call(1-866-893-7864). thetimeittakesto repayyourbalance.Forexample:
BesttimestocallareWednesday - Friday. .)NY .Pj!W£5
Onlyineminimum 3years 5526.00
payment
Ifyouwouldlikeinformation
aboutcreditcounseling
services,
call1-877-302-8797.
' NOTICE:
Seereverse pages(ifany)forimportant
sideandadditional information youraccount.
conceming
5302 DPH 1 7 17 220619 PAGE 1 of 3 90723800C6S701DG5302
Pay atmysynchrorrf.com
on5ns oronck-u wnh
thiscoupon your useblue
check.Please orblack
ink.
$185.00 07/12/2022 $4,412.57 1567
Payment
Enclosed
:
Nowaddress ore-mall?
Check thehexatlottend
printchanges
onhack
LAURA
BURKHARDT IIHlldl31IIHlilliligililP'll'llfillinp.|go1,|ngd
to SYNCHRONANK
MakePayment
A ICANY 40 19653
FL32896-0061
ORLANDO,
iG@lllrlbl|lilamrHÈI
GllildllrilliblMlhtlilblill
O OO O Of BlO O OOD
9 of 12
FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696
NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023
Customer Servico: Foraccount information, calithenumber onthefrontofthisstatement. ForHearing orSpeech disabilities, useaTRS.
Unless yourname islisted onthisslatement, youraccess toinformationontheaccount may belimited. Youmayalsomailquestions (butnot
payments) to:P ,0.B ox 965033, Orlando, FL 32896.5033. Pleaseinclude your account number on any correspondence you send tous.
Payments: Send paymenIs totheaddress listed onIheremittance coupon portionofthisslatement orpayonline atwww mysvachrony com.
Overnight Payments: Payments cannot bemade inperson; mailpayments loSynchrony Bank, 140 Wekiva Springs Road, Longwood, FL32Tl9.
Notice: Seebelow foryourBilling Rights andother irnpor tantinformation.Telephoning aboul billingerrors willnolpreserve yourrights under
federallaw.Topreserve your rights, please writetoourBilling Inquiries
Address, P.0.Box965035, Orlando, FL32896-5035.
Purchases, relums andpayments made justpFior tobilling datemayrofappear untilnextmonth's statement. When youprovide acheck as
payment, youauthorize useilher touseinformation from your checktomikeaone-time electronic fundtransfer from your account orloprocess the
payment asacheck transaction. When weuseinformation from your check tomake anelectronic fundtransfer, funds may bewithdrawn from your
accountas soon asthesame daywereceive your paymeniand youwillnctreceive your check back from your financialinstitution. Youmay chooso
nottohave.your payment collected electronicany bysending yourpsyment (with theremittance coupon) Inyourownenvelope -notthe
enclosed remittance envelope, addressed to:POBox530960, Atlants,GA30353-0960 andnotthepayment address,
What ToDoItYouThinkYou FindAMistake OnYour Statement:conditional Payments: All writtencommunica1ions conceming
Ifyouthink there isanerroronyourstatement, writetousat: dispuledamounts,including an
Preview
FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696 NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023 Ploiotiff Aûldavit 1 of 12 FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696 NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF WYOMING __________________________________________________________Ç SYNCHRONY BANK PLAINTIFF, INDEX NUMBER 9001696 -AGAINST- FILE NO. G1758815 LAURA BURKHARDT DEFENDANT. 2 of 12 FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696 NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023 COURT OF THE OF NEW YORK COUNTY OF Creditor Name: Synchrony Bank INDEX NO. Debtor Name: LAURA BURKHARDT Account Number; ****************1567 AFFIDAVIT OF FACTS BY ORIGINAL CREDITOR STATE OF FLORIDA :SS COUNTY OF SEMINOLE BEFORE ME, the undersigned authority personally appeared and personally known by me, this day, NELSON RAMIREZ, and who after being duly sworn deposed and says as follows: 1. I am an employee of Plaintiff, and I have access to Plaintiff's books and records ("Business Records"), including electronic records, relating to the account ("Account") of LAURA BURKHARDT . The last four digits of the Account number are ****************1567. In my position, I have personal knowledge of the procedures for creating and maintaining Plaintiff's Business Records. Plaintiff's Business Records were made in the regular course of business and it was the regular course of such business to make the Business Records. The records were made at or near the time of the events recorded. Based on my review of Plaintiff's Business Records, I have personal knowledge of the facts set forth in this affidavit. 2. Plaintiff and Defendant entered into a credit agreement ("Agreement"). Defendant agreed to pay Plaintiff for all goods, services and cash advances provided pursuant to the Agreement. The amount of the last payment, if any, made by Defendant was $181.00, made on 06/14/2022. Defendant is now in default and demand for payment has been made. A true and correct copy of the Agreement or document(s) evidencing the Agreement is/are attached as an exhibit to this affidavit. 3. At this time, Defendant owes $5,341.60 on the Account. This amount includes a charge-off balance of $5,341.60, post-charge-off interest of $0.00, post-charge-off fees and charges of $0.00, less any post- charge-off credits or payments made by or on behalf of the Defendant of to 00 . 4. As set forth in New York CPLR Article 50, the interest rate applicable to the Account pursuant to section five thousand four of this chapter applies. 5. Plaintiff explicitly disclaims any right to post-judgment interest on this Account. WHEREFORE, deponent demands judgment against Defendant for $5,341.60, together with the costs and disbursements of this action. The above statements are true and correct to the best of my personal knowledge. Version ID: 1.02_NY_06_07 2020 3 of 12 FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696 NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023 Media Affidavit Senior Representative, Affiant NELSONRAMIREZ 12/22/2023 The forgoing affidavit sworn to and ubscribed befor me this 22 day of November, 2023. EVA LINDO of Florida Notary Public Notary Public-State 252368 Commission # HH Expires My Commission April 12, 2026 expires: / & 20 Z p My commission Version ID: 1.02 NY 06 07 2020 4 of 12 FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696 NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023 c E 5 of 12 FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696 NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023 THANK YOU for being a Synchra y cardhamer CARECREDIT/SYNCHRONYBANK LAURA BURKHA Number Account : 1567 Statement closingDate: 3 f synchrony umiriary of Account AEllvhy Paymént Inf ormation PreviousBalance $5,301.60 NewBalance $0.00 + NewPurchases $0.00 TotatMinimumPayment Due $1,630.00 - Payments $0.00 Payment DueDate 01/2012023 +b Credits,Fees&Adjustments (net) ($5,301.60)PAYMENT DUEBY5P.M.EASTERN ONTHEDUEDATE. +/- Interest Charge(not) $0.00 We yourpaymeItintoanelectronic debit.See mayconvert NewBalance $0.00 reverse side. CreditLimit $5,000.00 Available Credit $0.00 LatePayment Warning:Ifwedonotreceive yourTotal DaysIn BillingPeriod 29 Minimum PaymentDuebythePayment DueDatelistedabove, youmayhavetopayalatefeeupto$40.00. Payonlineforfreeat:mysynchrony.com ForSynchronyBankcustomerserviceor toreportyour cardlostorstolen,call(1-86&893-7864). BesttimestocallareWednesday- Friday. Promotio al Purchase Sénmáry . r Promotional Promotional Deterred TranDate Desenption imtlai Expiration Balance Interest Charge Purchase Date Amount UNTILPAIDOFF $4,622.46 $0.00 04/28/2022FixedPayment Reduced Apr $4,318.00 Asummary ofyourpromotional purchase isprovidedabove. ifyouhavea DEFERRED INTEREST/NO INTEREST IFPAIDINFULLpromotion:ToavoidpayingDeferred Interest Charges Promotional youmustpaytheentireapplicable onthesepromotion(s), Balance Expiration bythePromotional Date.Orla FixedPayment (Extended PaymentPlan)promotional Charge theInterest purchase, isbilledmonthly andincludedaspartof theMinimum Paymentdue. seeMakePayment Tomakemorethanonepayment Toaddress orpayonlineatmysynchrony.com. * NOTICE: Seereverse information pages(ifany)forimportant sideandadditional youraccount. conceming 5302 DFn 1 3 17 23ona ZxPAGS 1 of 3 So723800C6S7olDG5302 onEns Pay lhiscoupon orancloso atmycynchrony.com with check. your Please uso bloo orblack Ink. rememm < fast oun ' payrc.N Aecaumnumber re $1,630.00 $0.00 01 0G023 $0.00 1587 Payment Enclosed : Newaddress ore-mall? Payment dueincludes paythepastdueamount $0.00pastdue.Please PROMPTLY. Chsck theboxatleftand printchangesonback " " " LAURA BURKHARDT MakePayment to:SYNCHRONANK A ANY 40 19653 ORLANDO,FL32896-0061 h lbr[·h I ni I II inst IIggig|[Inlimlhthill 000000000 000000000000000 DOs 6 of 12 FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696 NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023 Customer Service: Foraccount information, callthenumber onthefrontofthisstatement. ForHearing orSpeech disabililies, usea·fRS. Unless yourname islisted onthisstatement, youraccess toinformation onIheaccount may belimited. Youmayalsomailquestions (butnot payments) to:P.O. Box985033, Orlando, FL32896-5033.Please include your account number onanycorrespondence yousend tous. Payments: Send payments totheaddress listed anIheremittance coupon porlionofthisstatement orpayonline atwwwmysynchrony com Overnight Payments:Payments cannoIbe made inpemon; mailpayments loSynchrony Bank340 Wekiva Springs Road, Longwood, FL32779. Notice: Seebelow foryourBilling Rights andother important informalion. Telephoning about errors billing will n otp reserve your rights under federallaw.Topreserve yourrights, please writetoourBilling Inquiries Address, P.0,Box985035, Orlando, FL32898.5035. Purchases, relums andpayments made justprior10billing datemaynotappear untilnextmonth's statement. When youprovide acheck as payment, youauthorize useither touseinformalion from your checktomake aone-lime electronicfund transferfrom your accounior loprocess the payment asacheck transaction. When weuseinformation from your check tomake anelectronic fund funds transfer, may be withdrawn from your account assoon asthesameday wereceive your payment and youwillnotreceive yourcheckbackimm your finandalinstitution. Youmay choose not10have yourpayment collected electronically bysending yourpayment (withtheremittance coupon) Inyourownenvelope - notthe enclosed remittance envelope, addressed to:PDBox530960, Atlanta, GA30353.0960 andnotthepayment address. What ToDo11You ThinkYouFindAMistake OnYour Statement: Condlflonal Payments: All wrillencommunications concerning Ifyouthink 1here isanerroronyourstalement, write tousat: disputedamounts,including anycheckor otherpaymentinstrumentihat: P.O. FL32896.5035. (i)indicates that the payment constitutes "payment infulF oris tendered Box985035, Synchrony Bank, . . Orlando, asfullsatisfaction ofadisputed amount, or(ii)istendered withother Inyourletter giveusthefollowmg mformation: conditions orlimilations ('Disputed Payments"), must bemailed or - Account information: Your name andaccouninumber delivered lousat " Dollaramount: The dollar amounlof the suspected error P.O. Box965035, Orlando, FL32896.5035. " Dosenplion ofproblem: Ifyouthinkthere isanerroronyourbill, Credits .. andwhyyoubelieve it is ToYour Account: Anamount shown inparenlhesis isacredit describe whatyoubelieve is wrong halance unless olherwise mdicated. Credi1s willbeapplied fo amistake orcredit uswithin60daysallerIheerrorappeared your previous balance immediately upon r eceipt,but w illnot salisfy any Youmustcontact on required payment thatmay bedue. yourslafement. usofanypotential errors inwriting. Youmaycallus, CreditReports andAccountinformapom If youbelieve that Youmustnotify we have reported maccurate mformahon aboutyouto a butifyoudowearenotrequired toinvestigate anypotential errors and may consumer-reporting agency, please contact usatP.O. Box965036, youmayhave topayIheamount inquestion. FL32896.5036. Indoing so,please theinaccurato While weinvestigate whether ornottherehasbeen anerror,the Orlando, informationand lellus whyyou believe identify itisincorrect Ifyouhavea copy following aretrue: ofthecredit report thatincludes Iheinaccurate information, please "Wecannot trytocollect theamount inquestion orreport youas include acopy ofthalreport, Wemayreport informafon about your delinquent onthatamount· account tocredit bureaus. Late payments, missed payments, orother " Thecharge inquestion mayremain onyour stalernent andwemay defaulls onyour account maybereflected inyour credit repor t. continue tocharge youinterest onthatamount. Bul;if wedetermineHowWeCalculate laterest: We(igure theinterest charge onyour thatwemade a mistake, youwillnothavelopaythearnount in accountby theperiodic rate the"dailybalance" ofyour account applying to queslNn oranymterest orother feesr elated tothat amount. foreach i nIke cyde. billing We then add the interest tothe daily " Whileyoudonothavetopaytheamount mquestion, youare balance. d ay balance" Toget the'daily wetake thebeginning ofyour balance responsible fortheremainder ofyour balance. account eachday (whichincludes unpaid add interest), any new charges, " Wecanapply anyunpaid amount agamst your credit limit. andsubtract orcredis. Thisg'ves us andapplicable feesr anypayments Your Rights IfYou AreDissatisfiedWithYour Credit Card Purchasesthedaily balance. Anydaily balance oflessthan zero willbetreated as If youaredissatisfied wilhthegoods orservices 1hat youhave zero. Aseparate daily balance wilbecalculated foreach balance type on purchased withyourcredilcard, andyouhave triedingoodfailhto your account.Thebalance(s) shownin theInterest Charges section ofthis correct theproblem withthemerchant, youmayhave Iherighlnotto slalement isthesum ofthedaily balances foreach dayinthebilling cycle paytheremaining amount due onthe purchase. To use this all right, o f dNidedby thenumber ofdays inthebilling cycle. thefollowmg must beIrue: Bankruptcy Notice: Ifyou filebankrup1cy you must send u s notice, 1.Thepurchase muslhavebeen madeinyourhomestateorwithin100nides incuding account number andallinformation related tothepNceeding ofyour current mading addess, and thepurchase price must havebeen tothefollowing address: Synchrony Bank, Altn:Bankruptcy Dept., morethanS50.(Note:Neitherdthesearenecessayif your purchasewas RO.Box965064, Orlando, FL32896-5064. based onanadverlisement wemailed toyou, orifweown thecompany thatsoldyouthe goodsorservices.) Youraccount isowned andserviced Bank. bySynchrony 2.Youmust have used yourcredit card forthepurchase. Purchases made withcashadvances fromanATMorwithacheck that accesses yourcredit cardaccount donotqualify. Useof Information AboutYouandYour A ccount: OurPrivacy Policy describes ourcollection anddisclosure ofinformation about you 3.Youmust notyethavefullypaidforthepurchase. andyour Account. ifyouwould likeanother copy ofthePrivacy Poloy, Ifallofthecriteria above aremetand youarestilldissatisfied withthe please callusatthecustomer service telephone number indicated on purchase. contact usinwriting at: thefrontofthisstatement. Synchrony Bank P.O. Box965035, Orlando, FL32896-5035 While weinvestigate, thesame rules apply tothedisputed amount as discussed above. Afterwefinish ourinvestigation, wewilltellyouour decision. Atthatpoint, ifwethink youoweanamount andyoudonot paywemayreporl youasdelinquent. /nformation AboutPayments: Youmayatanytimepay,inwhole orinpart,thetotalunpaid balance without anyadditional charge for prepayment. Payments receivedafterS:00 PM(ET) onanydaywill becredited asofthenextday.Credit toyouraccount may bedelayed uptofivedays ifpayment (a)isnotreceived atthepayment address, (b)isnotmade inLLS.dollars drawn onaU.S.linancial institution tocated intheU.S,(c)isnotaccompanied bytheremittance coupon attached toyourstatement, (d)contains more thanonepayment or remiliance coupon, (e)is notreceived intheremittance envelope provided or(f)includes paper staples. clips, tape, afolded check or correspondence ofanytype. - 1-02/07/18 01DGS302 tocollect Thisisanattempt obtained andanyinformation adebt forIhatpurpose. willbeused atelephone 'Byproviding numberonyour youconsent account, Bank loSynchrony andanyother orservicer owner account ofyour contacting youabout youraccount, including using information anyconiact numbers orcellphone youprovide, tolheuseofanyautomatic andyouconsent lelephone a system dialing nd/or an artificial orrerecorded voice whenc even you. ontacting i fyou charged are call forthe u nder yourphone plan. Forchanges phone and/or ofaddress number, theboxandprintthechanges check please below, Streel Address ¡ State City. ZIP Phone # "Home Phone # Phone 'Business # #orother *Cell phone# wecanusetoconlacl you theabove youcanupdate Remember, aswellasyouremail information online address mysynchrnnvnors. atwww 7 of 12 FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696 NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023 TranDate Number PostDate Reference Description Amount 01/18/2023 01/18/2023F9072000J00999990 CHARGE OFFACCOUNT-PRINCIPALS ($4,209.48) 01/18/2023 01/18/2023F9072000J00999990 CHARGE OFFACCOUNT-INTEREST ($473.85) CHARGE 01/18/2023 01/18/2023F9072000J00999990 CHARGE OFFACCOUNT 'FEE ($658.27) CHARGEOFF* FEES 01/12/2023 01/12/2023 LATEFEE $40.00 TOTALFEESFORTHISPERIOD $40.00 CHARGED INTEREST 01/18/2023 01/18/2023 INTEREST CHARGEONPURCHASES $0.00 FORTHISPERIOD TOTALINTEREST $0.00 TotalFeesCharged in2023 $40.00 Charged TotalInterest In2023 $0.00 Paidin2023 TotalInterest $0.00 Date Expiration Annual BalanceSubjectto Interest Charge TypeofBalance Percentage Interest Rate Rate(APR) ..... . . Purchases NA 28.99% $0.00 $0.00 Reduced FixedPayment Apr PAIDOFF UNTIL 15.90% $0.00 $0.00 youraccountprivacy,weareunable account toprovide information toanyone or otherthanthecardholder(s) Inordertoprotect pleasesend anauthorizedpaity.Ifyouwishtopermitustospeaktoanauthorizedpartysuchasaspouse aboutyouraccount, writtenauthorization totheGeneral address. inquiries IfyouraccounthasaDeferred promotional interest balanceandyouwouldlikeapayment tobeapplied toaspecific promotionalornon-promotional balance,callCustomer nolaterthan60daysafterthetransaction Service, dateofyourpayment asshown onyourstatement,toleamwhatoptions maybeavailable. Ifyouneedassistance withanaccommodation and/or foryourstatements account call800-292-7508. letters,please Ifyouneed tocontact about theloss ofa cardholder, Synchrony youcansubmit adeceased form notification Synchrony Us'page. locatedatwww.syf.com underthe'Contact tocustomer. notprovided Statement 5302 DFII 1 3 17 2301L8 ZXPAGE 2 of 3 90723800c6S7olDG5302 8 of 12 FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696 NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023 Brought to you by A CareCredif WelN Check out our new podcast! Tunein everyWednesday, onyourfavoritepodcastapp, to hearour CareExpertssharethe latestinhealthcare 8 TG treatments& procedures-froria tummy tucksandBOTOX é 5 Cosrneticsto petnutritionandmore. Allproductnames, andbrandsare logos, oftheirrespective property owners. Useofthesenames, logos,andbrands doesnotimplyendorsement. CARECREDIT/SYNCHRONYBANK LAURA BURKHAR Number Account : 1567 Closin ate:0 Statement /2022 f synchrony Previous Balance $4,433.88NewBalance $4,412.57 + NewPurchases $0.00 TotalMinimumPaymentDue $185.00 - bayments $181.00 Payment DueDate 07/12/2022 +A Credits, Fees&Adjustments (net) $101.05 PAYMENT DUEBY5 P.M.EASTERN ONTHEDUEDATE. +A Interest Charge(net) $5864 Wemayconvert yourpayment intoanelectronic debit.See NewBalance S4,412.57reverse side. CreditLimit $5,000.00 Available Credit $587.00 LatePayment Waming:ifwedonotreceive yourTotal Minimum Payment DuebythePayment DueDatelistedabove, Daysin BillingPeriod 30 you mayhaveto.paya latefeeupto$40.00. Payonlineforfreeat:mysynchrony.com Minimum Payment Warning:Making onlytheTotalMinimum ForSynchrony Bankcustomerserviceorto reportyour Payment Duewillincreasetheamountoflaterest youpayand cardlostor stolen,call(1-866-893-7864). thetimeittakesto repayyourbalance.Forexample: BesttimestocallareWednesday - Friday. .)NY .Pj!W£5 Onlyineminimum 3years 5526.00 payment Ifyouwouldlikeinformation aboutcreditcounseling services, call1-877-302-8797. ' NOTICE: Seereverse pages(ifany)forimportant sideandadditional information youraccount. conceming 5302 DPH 1 7 17 220619 PAGE 1 of 3 90723800C6S701DG5302 Pay atmysynchrorrf.com on5ns oronck-u wnh thiscoupon your useblue check.Please orblack ink. $185.00 07/12/2022 $4,412.57 1567 Payment Enclosed : Nowaddress ore-mall? Check thehexatlottend printchanges onhack LAURA BURKHARDT IIHlldl31IIHlilliligililP'll'llfillinp.|go1,|ngd to SYNCHRONANK MakePayment A ICANY 40 19653 FL32896-0061 ORLANDO, iG@lllrlbl|lilamrHÈI GllildllrilliblMlhtlilblill O OO O Of BlO O OOD 9 of 12 FILED: WYOMING COUNTY CLERK 12/21/2023 04:03 PM INDEX NO. 9001696 NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/21/2023 Customer Servico: Foraccount information, calithenumber onthefrontofthisstatement. ForHearing orSpeech disabilities, useaTRS. Unless yourname islisted onthisslatement, youraccess toinformationontheaccount may belimited. Youmayalsomailquestions (butnot payments) to:P ,0.B ox 965033, Orlando, FL 32896.5033. Pleaseinclude your account number on any correspondence you send tous. Payments: Send paymenIs totheaddress listed onIheremittance coupon portionofthisslatement orpayonline atwww mysvachrony com. Overnight Payments: Payments cannot bemade inperson; mailpayments loSynchrony Bank, 140 Wekiva Springs Road, Longwood, FL32Tl9. Notice: Seebelow foryourBilling Rights andother irnpor tantinformation.Telephoning aboul billingerrors willnolpreserve yourrights under federallaw.Topreserve your rights, please writetoourBilling Inquiries Address, P.0.Box965035, Orlando, FL32896-5035. Purchases, relums andpayments made justpFior tobilling datemayrofappear untilnextmonth's statement. When youprovide acheck as payment, youauthorize useilher touseinformation from your checktomikeaone-time electronic fundtransfer from your account orloprocess the payment asacheck transaction. When weuseinformation from your check tomake anelectronic fundtransfer, funds may bewithdrawn from your accountas soon asthesame daywereceive your paymeniand youwillnctreceive your check back from your financialinstitution. Youmay chooso nottohave.your payment collected electronicany bysending yourpsyment (with theremittance coupon) Inyourownenvelope -notthe enclosed remittance envelope, addressed to:POBox530960, Atlants,GA30353-0960 andnotthepayment address, What ToDoItYouThinkYou FindAMistake OnYour Statement:conditional Payments: All writtencommunica1ions conceming Ifyouthink there isanerroronyourstatement, writetousat: dispuledamounts,including an