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45D 11-2403-CC -002145 Filed: 3/8/2024 2:00 PM
Clerk
Lake Superior Court, Civil Division 7 Lake County, Indiana
State of Indiana LAKE COUNTY CIRCUIT COURT
) 8S: 2293 North Main Street
County of LAKE Crown Point, IN 46307
MARINER FINANCE
Plaintiff,
=VS-
RICHARD M. GRAZIANO SR.
Defendant(s).
COMPLAINT
Plaintiff alleges:
1 That the Defendant(s) is/are indebted to Plaintiff upon a certain written instrument executed
by the Defendant(s), a copy of which is attached hereto, made a part hereof and marked
Exhibit "A".
That thereafter Plaintiff performed all the conditions thereof on its part to be performed.
That Defendant(s) has/have failed and refused to pay pursuant to the terms of said instrument
and is/are in default thereon.
That there is due and owing Plaintiff thereon $3,675.00, plus interest and/or late charges at
the rate of 32.46 percent per annum from September 7, 2023, plus reasonable attorney fees
and costs as provided by the terms of said agreement.
WHEREFORE, Plaintiff asks judgment for $3,675.00, plus interest and/or late charges at the rate
of 32.46 percent per annum from September 7, 2023, and reasonable attorney fees of $450.00, plus
costs and all relief just and proper in the premises.
MARINER FINANCE
By:
Chad W. Nally - Atty, #29407-64
Burke Costanza & Carberry LLP
Attorneys for Plaintiff
9191 Broadway
Merrillville, IN 46410
Telephone: (800) 769-0588
12/22/2023
Loan Payoff Quoted For 12/22/2023
Reference Number:
Loan Number: 8
Customer Name: GRAZIANO SR. RM
Property Address:
3850 W 91ST AVE
MERRILLVILLE IN 46410
Dealer Info: 1900 NONE
Interest Rate: 32.46000
Principal Balance te 3, 675 00
Interest . . ve 347 93
Late Charges 75 90
Sub Total 4,097 93
Credits:
Sub Total 00
Total Payoff Amount oe 4,097,93
This quete is valid through 12/22/2023. The per diem on your account is
$3.31. If the account is paid off on a day other than the payoff date the
amount due may be adjusted. Please call fora final payoff quete. This lean
must be kept current or late charges will be assessed. This payoff is
subject to final audit.
G
ima INER Merrill IN Location
4,89 Star Rating,
Foreteginone ety. on Google
8093 E, 81st ave., Merrilvilla, IN 46410 as of 07/2023
219-940-9976 8 regs:
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Dear Richard M. Graziano Sr., Don't delay! This
Congratulations, because of your credit history, getting money Is fast and offer expires
easy. Simply cash the attached check! This check represents a
loan to use however you wish; catch up on bills, pay household expenses, or 09/27/2023
make Important purchases. To get your money, cash or deposit the check at
your bank or through your bank's mobile deposit service or cash it anywhere
you can cash a check,
Need more
1. Before cashing the check, read the Loan Agreement and disclosure
statement on the reverse side. This letter and the Loan Agreement money? Call us at
and disclosure statement are your Statement of Contract. Keep it for
your records. Cashing or depasiting this check constitutes a loan 219-940-9976!
transaction that you will be expected to repay.
2. Please complete the information on the back of the check (this enables
us to confirm your identity). Still not sure?
3. Deposit it at your bank, through your bank's mobile deposit service, or
anywhere you can cash a check, We offer a
4, Once you deposit this check, you'll receive a welcome letter with your
account details (account number, monthly due date and payment amount) 15-day satisfaction
and instructions for how to make your monthly payments. guarantee.*
f you do not plan on cashing this check, please destroy it. This check
expires 09/27/2023. For more Information about this offer:
1. Open the OR Code readeror
ee
If you need a loan in an amount different than this check, please give us a ‘camara on your
call.* Our friendly staff will be happy to assist you. You may also visit us online 2. Hold your davies over the Cr
OR Code,
at www, marinerfinance.com. 3. Prestol
{you are unable to scan tha OR Code, please visit:
Sincerely, hitps://marflmeichock.
Barbara WeGee-Poniberand
Barbara McGee-Pontbriand
Branch Manager
You can choose to stop receiving “pr escreened offers of credit from this and other companies by calling toll-free
1-888-567-5688, See PRES! on the reverse side for more information about prescreened offers,
*We have the right to stop payment on the check if you have opened or renewed a loan with us within 60 days priorto the date of the check,
*adgitional credit or other loan amounts are subject to normal lending requirements.
If, for any reason, you are dissatisfied with your loan and repay It in full within 15 days, we wili waive all finance charges with no penalties.
‘Your repayment amount must ba in the form of cash or certified funds,
DIVULGAGION IMPORTANTE--ESTE ES UN PRESTAMO SI USTED NO PUEDE LEER Et IGLES, NO cobrar este cheque.
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THIS 1S A SOLICITATION FOR A LOAN, READ THE ENCLOSED DISCLOSURES BEFORE SIGNING THIS AGREEMENT.
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DIVULGACION IMPORTANTE--ESTE ES UN PRESTAMO
SI USTED NO PUEDE LEER EN INGLES, NO cobrar este cheque
\GREEMENT (Indiana)
CREDITOR: MARINER FINANCE, LLC (ve, us ard ours)
THIS IS A SOLICITATION FORA LOAN.
READ THE ENCLOSED DISCLOSURES BEFORE SIGNING THIS AGREEMENT!
Whicn you sign and/or deposit or cash the attached check (Check), you are laking a loan that is governed by this agreement (Agreement). The borrower(s)
are called you in this Agreement. The name and address ofthe: rineipal ‘is shown on the reverse side.
‘The following disclosures are required by law and are par: of di is Agroament:
ANNUAL PERCENTAGE RATE (The cost of your credit as a yearly rate.) 35,78%
FINANCE CHARGE (The dollar amount the credit will cost you.) $2,271.72
‘Amount Financed (The amount of credit provided to you or on your behalf.) $3,525.00
“Total of Payments (The amountyou will have paid after you have made all payments as scheduled.) $5,796.72
‘Number oF ments, 36 ‘Amount of Bach Payinent $161.02
‘Due month i eginning one month after the date our pays the Check and then on the same date of cach following month,
f Ef you pay off carly, you will nat have to pay 9 penalty, and you will not be entitled to refund of Lol te finance charg,
“payment remaics past due for more than 10 days aftr its due date, you will pay alate char of $25.00.
eee -any additional informietion about noupayment, ‘any required repayment in full before scheduled date, ard prepayment refunds and penstties.
‘Uemizution of Amount Finaneed: $3.525,00 Amount given to you directly {$150.00 Prepaid Finance Charge (1.oan Crigination Fee)
When you sign andfor deposit or cash the Check, you promise to pay us the ‘You willthe beunpaid in default ‘you do not pey on tie. When you are in defaul, We
due at once (a iin
Amount anced plus the Prepaid Finance Charge af the simple annuel interest declare Principal Amount
and all
m1 sue
rate of 32.460 (the Interest Rare), in-raonthly payments as schedul above. You interest will continue fo aecme in accordance with appticable law).
\will pay interest on the amount due under note after matucity Geter you to coliect what you owe us and may exercise other legal remedies. Tothe
originaily scheduled or accelerated) at the Imerest Rate and at anti ‘extent permitted by applicable kw, agree 10 pay our costs and disbursements in
pad ‘in full at 8% per annua, ‘oan Date is the date our bank pays tke Check. ‘connection with any suit t collect hkMi luan afier your defauit, including reasonable
Maturity Date is the Lean Date plus the number of required payments, Your rrorey fevs of an attorney nal our lvied
fust payment is due one month aller the Loan Daic with all other payinents due or Tndiene lew and federlfaw govern thisA nt [Fany part of his Agreement
the stone date ofeach following mont until all amounts are repaid, All payments {s unenfercenbe, this will not mako any ot ‘upenforceable, In no even will
we receive will be ied firstto Tale or other es, then inkezest, then to ‘you be required fo pay moro interest or chargos than criti by iaw, Any security
the unpaid loan balance until it is paid in full, or in any olher order we elect (as interest in your property that we Rave under any 0: if er agreement will not Secure
permitted by applicable ‘your foun.
"You agree 10 pay a non-refimdable Loan Origination Fee to the following. ‘You understand that this Agrecment, Une Check that is part ofthis Agreement and
amount $75 for alozn with an Amount Financed that is $
a lon with an Amount Financed that is more than $2,001 eS
‘$4,000, and $200 for a loan with an Amount Financed greater than $4,000.
ork 5 S150
does not axeced
the Arbitration Agreement (Form # ARB405) that is enclosed contain your entire
‘hand canna he changed except in writing signed by us, You
tiderstand th a by signing and/or depositing o eashing the Ciieck, you agree to all
ou may prepay ‘this loam et any time without you. prepay int part, of the terms in this Agreement, as wel ns to all of the terms of the Choct allo
you rust stil ‘epchcheck: Later inthe 07 ‘ginal amount as it becomes due. the ferms of the Arbitration Agreement, and you authorize usto arder credit reports
‘You will pay us a had ‘feo entthe greater $25.00, or ogher amount on you feort time to time,
allowed by law atthe time of dishonor if you make ony paymant with a chack thet
is returned or dishonored for any reason,
Form #1N 3525
YOUR COPY OF LOAN PROCEEDS CHECK (CHECK)
Payable only to person whose name and address appears on Check, Check not 1m consideration of this loan, you (jointly and severally ifLLCmore (ue)than tie Amount
‘vansferable, Check void 30 days frora date, endorses, below) ise 10 to Mariner Fiance,
‘Pinanced plus a $150.0 Prepuid Finance Charge stated ahove et the simple am
IGNING AND/OR DEPOSITING OR CASHING THIS CHECK, Interest eate- of 32.46%, in 36 menthly ‘thispayments of $161.02 each, beginni
Check and then‘on the same date
'O REPAY 8 AS STATED, DO NOTSION THIS Cul ‘one month after the date ot ‘bankpi
\RBITRATION each following month until . You agreeto pay a late charge of $25.00, if ny
REREEMENT Of IF ANY DOCUMENT CONTAINS ANY BLA INK SPACES. payment remains past due ‘more than 10 days afte its dur date, and all of
harges ia the Agreement,
seater
PAYEL’S ENDORSEMENT REQUIRED: By endorsing below and/or by 0
depositing or cashing this Checls, you agree to the ferns and the
feement (Agreement) contained in our form #IN3525 (incorporated herein on rmS2271.72
by refarenac), and you lo an. ‘tration Agreement contain otal of Pay I s . "85,796.72
form #ARBAOS and acknowledge reveipl of completely filled in gopies of the ANNUAL PERC! ENTAGE RATE. ‘econ von 35.78%
Agreement the Arbitation Agresment ard this Check and you authorize us to order Toterest Ratemnmenon 32.468
Credit reports on you from time to time.
:E; This “prescreened” fe r of credit is based on information in your
credit report indicating that you mee ef certain criteria. This offer is not guaranteed if you do not meet our
criteria. if you do not want to receive prescreened offers of credit from this and other companies, contact:
fe
Experian, P.O. Box 919, Allen, Texas 75013-0919; Equifax, P.O. Box 740123, Atlanta, Georgia 30374-0123;
or TransUnion, P.O. Box 505, Woodlyn, Pennsylvania 19094-0505. Or you may notify all three agencies by
calling toll free 1-888-567-8688 or go to the website http://www. optoutprescreen.com.
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