Motion for Writ in Credit Acceptance Corporation v. Frederick Gallishaw| Trellis.Law

On March 26, 2024 a Complaint,Petition was filed involving a dispute between Credit Acceptance Corporation, and Frederick Gallishaw, for Other Matters - Consumer Credit (Non-Card) Transaction in the District Court of Onondaga County.

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FILED: ONONDAGA COUNTY CLERK 03/26/2024 04:28 PM INDEX NO. 003175/2024
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 03/26/2024
CONSUMER CREDIT TRANSACTION
Date Purchased:

SUPREME COURT OF THE STATE OF NEW YORK Index №
COUNTY OF ONONDAGA X
Credit Acceptance Corporation SUMMONS
Plaintiff, Plaintiff's Address:
-against- 25505 West Twelve Mile Rd., Suite
3000
Frederick Gallishaw Southfield MI 48034
Defendant(s).

The Basis of Venue is:
CPLR SEC. 503(a)

Defendant(s) Address:

DEF2- 146 RICHMOND AVE, SYRACUSE NY 13204-2212

TO THE ABOVE NAMED DEFENDANT(S):

YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve a copy of your
answer on the Plaintiff's Attorney(s) within 20 days after the service of this summons, exclusive of the day of
service, or within 30 days after service is complete if this summons is not personally delivered to you within the
State of New York; and in the case of your failure to appear or answer, judgment will be taken against you by
default for the relief demanded in the complaint.

We are attorneys attempting to collect a debt. Any information obtained will be used for that purpose.

Dated: February 28, 2024
Matter # 494076 ____________________________
Stephen Einstein Scott Morris
Anthony S. Poulin Dianne Ramdeen
Elladia Lopez Joseph G. Devine
Chester Andrew Guala Gerard W. DeStefano
Richa Bhandari
Tromberg, Morris & Poulin, PLLC.
Attorneys for the Plaintiff
39 Broadway, Suite 1250
New York, N.Y. 10006
(212) 267-3550

*SM0000494076*

S_S_SUP-SUM
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FILED: ONONDAGA COUNTY CLERK 03/26/2024 04:28 PM INDEX NO. 003175/2024
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 03/26/2024
SUPREME COURT OF THE STATE OF NEW YORK INDEX №:
COUNTY OF ONONDAGA
Credit Acceptance Corporation
Plaintiff,
-against-
COMPLAINT
Frederick Gallishaw
Defendant(s).

Plaintiff, by its undersigned attorneys, complaining of the Defendant(s), respectfully alleges that:

1. The Plaintiff is an active foreign entity authorized to transact business in the State of New
York. Upon information and belief, at all times hereinafter mentioned, Defendant(s) resides in
the city in which this action is brought, or transacted business in person or through an agent
within the city in which this action is brought and the instant cause of action arose out of said
transaction.

2. Plaintiff is the Original Creditor as defined in CPLR§105(q-1).

3. Based upon a reasonable inquiry, the Statute of Limitations for the cause of action asserted herein
has not expired.

4. The the Defendant(s) entered into a Retail Installment Contract (hereafter, ''Agreement'') with ,
with a loan number that ends with the number XXXXX4021, for purchase of an automobile on
06/26/2021, and Plaintiff took assignment thereof from . A copy of the Agreement is attached hereto.

5. That the Plaintiff has fully complied with all the terms and conditions of said Agreement. That
the Defendant(s) breached said Agreement by failing to make one or more payments when due.

6. That the Plaintiff repossessed and/or took possession of the collateral and the same was sold at
a commercially reasonable sale/auction to the highest bidder, following notice to the Defendant(s).

7. That on 07/14/2022 Plaintiff repossessed the collateral of the Agreement.

8. That on 09/08/2022 Plaintiff sold the collateral at a commercial sale/auction to the highest bidder,
following notice to the Defendant(s).

9. Upon information and belief the date of last payment on this account was 03/30/2022 in the amount
of $161.65.

10. That the Defendant(s) is in default of said Agreement, and there is currently due and owing
the balance of $9,839.10, which has not been paid despite due demand. A complete transaction
history itemizing any (i) principal; (ii) finance charge or charges; (iii) fees imposed by the original
creditor; (iv) collection costs; (v) attorney's fees; (vi) interest; and (vii) any other fees and charges;
less post-sale credits or payments made by or on behalf of the Defendant(s), is attached hereto.

WHEREFORE, Plaintiff demands judgment against the Defendant(s) in the sum of $9,839.10
with interest from 7/14/2022 together with the costs and disbursements of this action.

S_S_COM-DEF

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FILED: ONONDAGA COUNTY CLERK 03/26/2024 04:28 PM INDEX NO. 003175/2024
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 03/26/2024

CERTIFICATION: Deponent is an attorney associated with Tromberg, Morris & Poulin, PLLC.
Deponent certifies that, to the best of their knowledge, information and belief, formed after an
inquiry reasonable under the circumstances, the presentation of the paper or the contentions therein
are not frivolous as defined in section 130-1.1(c) of the Chief Administrative Judge, and an
initiating pleading, the matter was not obtained through illegal conduct, and the matter was not
obtained in violation of Part 1200. Rule 4.5 of this Title. Affirmed this 28th day of February, 2024

____________________________
Stephen Einstein Scott Morris
Anthony S. Poulin Dianne Ramdeen
Elladia Lopez Joseph G. Devine
Chester Andrew Guala Gerard W. DeStefano
Richa Bhandari
Matter # 494076

S_S_COM-DEF

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FILED: ONONDAGA COUNTY CLERK 03/26/2024 04:28 PM INDEX NO. 003175/2024
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 03/26/2024

EXHIBITS
(Agreement/Contract)
(Transaction History)

S_S_COM-DEF

4 of 15
FILED: ONONDAGA COUNTY CLERK 03/26/2024 04:28 PM INDEX NO. 003175/2024
Copy of Electronic Original
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 03/26/2024
Not required to mail or fax this copy to Credit Acceptance

RETAIL INSTALMENT CONTRACT

ACCOUNT # 4 021
LOT # A28P

Buyer Name and Address Buyer Name and Address Creditor-Seller NameandAddress
MARRO J FORTE FREDERICK GALLISHAW BBAS INC
42 CATON DR 116 HERBST AVE PO Box 11182 617 Hiawatha
Apt. # 45A NY 13203 Blvd E
SYRACUSE,
NY 13214 Syracuse, NY 13 2 0 8
SYRACUSE,
"You" "Your'' "We"
and mean each Buyer above, jointly and severally. "Us", and mean Creditor-Seller and Creditor-Seller's assignee. You may buy the Vehicle
described below for cash or credit. The cash ce is shown on Page 2 as the "Cash Price". The credit price is shown below as "Total Sale Price". You have agreed
to buy the Vehicle from Us on credit for the otal Sale Price. You acknowledge der and acceptance of the Vehicle in good condition and repair. You promise
to pay Us all amounts due under this Retail Instalment Contract ("Contract"), including Total Sale Price, in accordance with the payment schedule shown in the
Truth in Lending Disclosures below. You also agree in the terms and conditions below (including the Truth in Lending Disclosures) and on the additional pages
of this Contract. You agree to pay Us a credit service charge at the Annual Percentage Rale shown below. The Annual Percentage Rate may be negotiable with Us.
I I
Year and Make Model and Body Style Color Vehicle Identification Number Odometer Reading
Us e d 2013 Jeep Compass WHITE 1C4NJCBBXDD181450 116,107

TRUTH IN LENDING DISCLOSURES

Amount Total of Total Sale Price
PERCENTAGE CHARGE Financed Payments The total cost of Your
RATE The dollar amount The amount of credit The amount You will purchase on credit,
The cost of Your the credit will cost provided to You or on have paid after You including Your
credit as a yearly You. Your behalf. have made all payments down payment of
rate. as scheduled- 8 00 . 00
22 . 99 % $7,557.8 4 $ 1, is
10,936.56 $20,294.40
$ 18,494.40
Payment Schedule: Your payment schedule will be:
No. of Payments Amount of Payments When Payments Are Due

$
$
60 $ 308 .24 Monthly beginning July 26, 2021

ehi e r .

Prepayment: If You pay early, You may be entitled to a refund of part of the Finance Charge.
Additional Information: Please read this this Contract for any additional information about nonpayment, default, any required repayment
in full before the scheduled date, and prepayment refunds and penalties.

LIABILITY INSURANCE COVERAGE FOR BODILY INJURY AND PROPERTY DAMAGES CAUSED TO OTHERS IS
NOT INCLUDED.

PROPERTY INSURANCE: You must insure the Vehicle securing this Contract. YOU MAY PURCHASE OR PROVIDE THE INSURANCE THROUGH
ANYONE YOU CHOOSE WHO IS REASONABLY ACCEPTABLE TO US , as more fully described on page 3.

ARBITRATION: This Contract contains an Arbitration Clause that states You and We ma elect to resolve an dispute by arbitration
and not b court action. See the Arbitration Clause on Pa e 5 of this Contract for the II terms and condi ions of the Arbitration
Clause. y initialing below, you confirm that you have rea , understand and agree to the terms and conditions in the Arbitration
Clause.
Buyer Initials: I Buyer Initials:

USED CAR BUYERS GUIDE. THE INFORMATION YOU SEE ON THE WINDOW FORM FOR THIS VEHICLE IS PART OF THIS CONTRACT.
INFORMATION ON THE WINDOW FORM OVERRIDES ANY CONTRARY PROVISIONS IN THE CONTRACT OF SALE.

Guía para compradores de vehiculos usados. La información que ve en el formulario de la ventanilla para este vehiculo forma parte del presente
contrato. La información del formulario de la ventanilla deja sin efecto toda disposición en contrario contenida en el contrato de venta.

ADDITIONAL TERMS AND CONDITIONS: THE ADDITIONAL TERMS AND CONDITIONS, INCLUDING THE ARBITRATION CLAUSE, SET
FORTH ON THE ADDITIONAL PAGES OF THIS CONTRACT ARE A PART OF THIS CONTRACT AND ARE INCORPORATED HEREIN BY
REFERENCE.

InlIs

>Buyer's Initials
NEWYORKCRED““ ACCEPTANCECORPORATION(11-16) sur
l-
© 2012 - 2016 Credit Acceptance Corporation. >Buyer's Initials
AII Rights Reserved PA E f 5
5 of 15
This copy was created on 06/26/2021
FILED: ONONDAGA COUNTY CLERK 03/26/2024 04:28 PM INDEX NO. 003175/2024
Copy of Electronic Original
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 03/26/2024
Not required to mail or fax this copy to Credit Acceptance

ITEMIZATION OF AMOUNT FINANCED
1. Cash Price (including accessories and improvements to the Vehicle) ......................................................................................... $ 9, 650 . 00
(1)
2. Sales Tax........................................................................................................................................................................................ $ 908 . 56
(2)
3. Down-Payment Calculation: Cash Down Payment .........................................................$ 1, 600 . 00 (A)
Deferred Down Payment ....................................................... N/A
$ (s)
Trade-In Description: Gross Trade-In..............$ 200 . 00 (C)
Make: FORD
Model: EXPLORER Payoff Made by Seller...$ 0 . 00 (D)
"0" 200 . 00
Net Trade-In (If negative number, Insert in line 3(E) and itemize difference in 5(E) below) (C-D) ... $ (E)
Trade-In Description: Gross Trade-In..............$ N/A
(F)
Make: N/A

Model: N/A Payoff Made by Seller...$ N/A
(G)
"0" N/A
Net Trade-In (If negative number, Insert in line 3(H) and itemize difference in 5(J) below) (F-G) ... $ (H)
Other: ......................................................................................................... N/A
Manufacturers Rebate $
Total Down Payment ..........................................(A + B + E + H + I) $ 1, 800 . 00 (3)
4. Unpaid Balance (1+ 2 less 3) ................................................................................................................................$
of Cash Price 8, 75 8 . 56 (4)
5. Other Charges Including Amounts Paid to Others on Your Behalf:
*(NOTICE: A portion of these charges may be paid to or retained by Us.)
N/A
A. *Cost of Required Physical Damage Insurance Paid to Insurance Company ..................................... $
B. *Cost of OptionalExtended Warranty or Service Contract Paid to the Company named below.........
$ 1, 907 . 00
(s)
C. Cost of Fees Paid to Public Officials for Perfecting, Releasing or Satisfying a Security Interest..........$ N/A
(C)
D. Cost of Fees Paid to Public Officials for Certificate of Title, License and Registration ....................... $ 175 . 00
(D)
Other Charges (Seller must identify who will receive payment and describe purpose)
E. to N/A for lien or lease payoff ................................................. N/A
$ (E)
F. *to Dealer for DEALER PROCESSING FEE 75.00
(p)
G. *to Dealer for EMISSION TEST FEE 21.00
(G)
H. *to N/A for N/A $ N/A (H)
I. *to N/A for N/A N/A
$ (|)
J. to N/A for lien or lease payoff ................................................. N/A
$
Total of Other Charges and Amounts Paid to Others on Your Behalf........................................................................................... $ 2,17 8 . 00 (5)
6. Less Prepaid Finance Charge ....................................................................................................................................................... N/A
$ (6)

service contract as a condition of purchasing this Vehicle on credit, by signing below You are indicating that You voluntarily elect to buy an optional
extended warranty or service contract covering the repair of certain major mechanical breakdowns of the Vehicle and related expenses. Refer
to the optional extended warranty or service contract for details about coverage and duration.

Price $ 1, 907 . 00 Term:24 Mos.\ 24000 Miles Company:First Automotive Service Corporation
Sa" Fa* ...,-,,-.....0 06/26/2021 F=da 06/26 /2021
.....,,__|
Buyer's Signature Date Buyer's Signature Date

NOTICE TO BUYER: 1. Do not sign this agreement before you read it or if it contains any blank space. 2. You are entitled
to a completely filled in copy of this agreement. 3. Under the law, you have the right to pay off in advance the full amount
due and under certain conditions to obtain a partial refund of the credit service charge. 4. According to law you have the
privilege of purchasing the insurance on the motor vehicle provided for in this contract from an agent or broker of your
own selection.

You agree to the terms of this Contract and acknowledge that You have received a copy of this Contract with all blanks filled
in and that You have read it and understand it.

RETAIL INSTALMENT CONTRACT s

Buyer's Signature: x . --.- Buyer's Signature: x . --¬,--

Seller: BBAS INC By: -- Title: AGENT

This Contract is signed by the Seller and Buyer(s) hereto this 26th dayof June 2021

NEWYORKCREDITACCEPTANCECORPORATION(11-16)
© 2012 - 2016 Credit Acceptance Corporation.
AII Rights Reserved'
The original retail installment contract assg ed to Credit Acceptance Corporation.
6 of 15
This copy was created on 06/26/2021
FILED: ONONDAGA COUNTY CLERK 03/26/2024 04:28 PM INDEX NO. 003175/2024
Copy of Electronic Original
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 03/26/2024
Not required to mail or fax this copy to Credit Acceptance

ADDITIONAL TERMS AND CONDITIONS

Security Interest. You give Us a security interest in: 1). The Vehicle and all parts or goods installed in it; 2). AII money or goods received
(proceeds) for the Vehicle; 3). AII insurance, maintenance, service or other contracts We finance for You; and 4). AII proceeds from insurance,
maintenance, service or other contracts We finance for You (this includes any refunds of premiums). This secures payment of all You owe on this
Contract and in any transfer, renewal, extension or assignment of this Contract. It also secures Your other agreements in this Contract. You agree to
have the certificate of title show our security interest (lien) in the Vehicle.

Late Charge. You promise to make all payments when due. If You fail to make a payment when it is due, You agree to pay Us a late charge as
stated on Page 1 of this Contract. You agree that We do not waive any of our rights by accepting one or more late payments from You.

Bad Check Charge. You agree to pay Us a bad check charge of $20.00 (or such other amount permitted by applicable law) for any check or like
instrument given by You to Us that is returned by Your bank because of insufficient funds or because Your bank account was closed.

Ownership and Risk of Loss. You promise to pay Us all You owe under this Contract even if the Vehicle is damaged, destroyed or missing.

Your Other Promises to Us. You promise that:
- You will not remove the Vehicle from the United States or Canada without our written permission.
- You will not sell, rent, lease or otherwise transfer any interest in the Vehicle or this Contract without our written permission.
- You will not expose the Vehicle to misuse or confiscation.
- You will not permit any other lien or security interest to be placed on the Vehicle.
- You will preserve and protect the Vehicle and keep it in good condition and repair.
- You will not use the Vehicle in a trade or business without our written consent.
- You will not use the Vehicle unlawfully or abandon it. If a governmental the Vehicle, You will notify Us immediately
agency impounds
and regain possession of the Vehicle. We may regain possession of the Vehicle and treat it as a default.
- You will pay all taxes, assessments, rentals, charges, and other fees imposed on the Vehicle when they are due. If We pay any repair
bills, storage bills, taxes, fines, fees, or other charges on the Vehicle, You agree to repay the amount to Us.
- You will permit Us to inspect the Vehicle at any reasonable time.
- You will promptly sign, or cause others to sign, and give Us any documents We reasonably request to perfect our security interest.
- You have not made and will not make an untrue, misleading or incomplete statement in a credit application, this Contract or any
information provided in connection with this Contract.
- You will promptly provide Us with any additional personal or financial information You or any information about the Vehicle
concerning
that We may reasonably request from time to time.
- You will immediately notify Us if You change Your name or address.

Prepayment. You have the right to prepay Your account balance early without a penalty. If You prepay in full, You may be entitled to a refund
credit of part of the pre-computed finance charge. This credit will be calculated in accordance with the actuarial method. We will apply the credit
to the amount You owe Us or if You paid Us more than the amount owed to Us under this Contract, We will refund it to You. We will retain a
$15.00 acquisition fee before calculating any refund credit as permitted by law. We will not credit or refund amounts less than $1.00, if permitted
by applicable law.

If You prepay only a portion of the balance remaining under this Contract, We will apply the prepayment to Your account balance, however a
prepayment will not excuse any later scheduled payments. You must still make all scheduled payments on time until Your obligation under this
Contract is aid in full. If You make a rtial ment Your last ment or ments ma be less than the scheduled amount due.

d I m I u rs a r th Contra the
licy in our t is a s p in
Co ract, ou do not have physical damage insurance w ch covers both the interes ou and in the hicle, then We may buy it r You. I We
do not buy physical damage insurance which covers both interests in the Vehicle, We may, if We decide, buy insurance which covers only our interest.
Any money We advance will be secured by the Vehicle.

We are under no obligation to buy any insurance, but may do so if We desire. If We buy either of these coverage, We will let You know what type it
is and the charge You must pay. The amount You must pay will be the premium for the insurance and a finance charge at the Annual Percentage
Rate shown on this Contract. You agree to pay the amount and finance charge within 10 days or in equal instalments along with the payment
shown on the Payment Schedul

If the Vehicle is lost or damaged, You agree that We can use any insurance settlement either to repair the Vehicle or apply to Your account balance.
If applied to Your account balance, the insurance settlement proceeds that do not pay Your obligation in full under this Contract will be applied as
a partial payment.

Optional Insurance, Maintenance or Service Contracts. This Contract may contain charges for optional insurance, maintenance, service
or warranty contracts. If the Vehicle is repossessed, You agree that We may claim benefits under these contracts and terminate them to obtain
refunds of unearned charges.

Insurance, Maintenance, Service or Other Contract Charges Returned to Us. If any charge for required insurance is returned to Us,
it may be credited to Your account in accordance with the Prepayment section of this Contract or used to buy similar insurance which covers only our
interest in the Vehicle. Any refund on optional insurance, maintenance, service, warranty or other contracts obtained by Us will be credited to Your
account in accordance with the Prepayment section of this Contract.

Default and Acceleration of the Contract. You will be in default if:
- You fail to pay any amount due under this Contract when it is due.
- You break any of Your other promises You made in this Contract.
- A proceeding in bankruptcy, or insolvency is started by You or against You or Your property.
receivership

If You are in default of this Contract, We may declare the entire unpaid balance of this Contract due and payable immediately at any time without notice
to You, unless We are required by law to provide You with such notice, and subject to any right You may have to reinstate the Contract. In figuring what
You owe, We will give You a refund of part of the Finance Charge figured the same as if You had prepaid Your obligation under this Contract in full.

Buyer's Initials
NEWYORKCREDITACCEPTANCECORPORATION(11-16) su
© 2012 - 2016 Credit Acceptance Corporation. lj> Buyer's Initials
AII Rights Reserved'
The original retaii installment contr c ss ed to Credit Acceptance Corporation.
7 of g15
This copy was created on 06/26/2021
FILED: ONONDAGA COUNTY CLERK 03/26/2024 04:28 PM INDEX NO. 003175/2024
Copy of Electronic Original
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 03/26/2024
Not required to mail or fax this copy to Credit Acceptance

ADDITIONAL TERMS AND CONDITIONS (cont.)
Starter Interruption Device and GPS. You understand and agree that if You are in default, We may use any starter interruption device and/
or global positioning system (collectively, the Device) installed on the Vehide to prevent the Vehicle from starting and/or to locate the Vehicle when
permissible law and the terms of this Contract allow Us to repossess the Vehide. You agree that if the Vehicle is disabled, You will need to cure
Your default in order to restart the Vehide. You acknowledge that You have been provided with a toll free telephone number that You may call, no
more than once per month, if the Vehicle is disabled but You need an emergency activation which will allow the Vehicle to operate for 24 hours.
Refer to the terms and conditions of the Buyer's Disdosure for additional information on the Device.
Repossession of the Vehicle. If You default, We may take (repossess) the Vehicle from You. To repossess the Vehicle, We can enter
Your property, or the property where the Vehide is stored, so long as it is done peacefully and the law allows it. Any accessories, equipment or
replacements will remain with the Vehicle. You hereby acknowledge and a ree that any personal y contained within the Vehicle may be
removed and held without liability to Us or our agent. It is Your responsibility promptly and immedi contact Us to make arrangements for the
return of Your personal property. You are responsible for paying all reasona e charges associated wit the repossession.

Getting the Vehicle Back After Repossession. If We repossess the Vehide, You have the right to get it back (redeem). If We repossess
the Vehicle solely as a result of Your failure to make a payment when it is due, You have the right to redeem the Vehicle by only paying all amounts
past due including late charges and any expenses We incurred in retaking, holding, storing and preparing the Vehicle for sale. Your right to redeem
the Vehicle ends when We sell, lease, license or otherwise dispose of any or all of the Vehide in its present condition or following any commercially
reasonable preparation or processing.

Sale of the Repossessed Vehicle. Any notice that is required to be given to You of an intended sale or transfer of the Vehicle will be mailed
to Your last known address, as reflected in our records, in a reasonable period before the date of the intended sale or transfer (or such other period
of time as is required by law). If the Vehicle is sold, We will use the net proceeds of the sale to pay all or part of Your debt.

The net proceeds of the sale will be figured this way: Any charges for taking, holding, preparing for sale, processing and selling the Vehicle, and
any attorney fees and court costs, if permitted by law, wiR be subtracted from the seKing pnce.

If You owe Us less than the net proceeds of sale, We will pay You the difference, unless We are required to pay it to someone else. For example,
We may be required to pay a lender who has given You a loan and has also taken a security interest in the Vehicle.

If You owe more than the net proceeds of sale, You will pay Us the difference between the net proceeds of sale and what You owe when We ask
for it. If You do not pay this amount when asked, You may also be charged interest at the highest lawful rate until You do pay all You owe to Us.

WARRANTIES SELLER DISCLAIMS. YOU UNDERSTAND THAT THE SELLER IS NOT OFFERING ANY WARRANTIES AND THAT THERE
ARE NO IMPLIED WARRANTIES OF MERCHANTABILITY, OF FITNESS FOR A PARTICULAR PURPOSE, OR ANY OTHER WARRANTIES,
EXPRESS OR IMPLIED BY THE SELLER, COVERING THE VEHICLE UNLESS THE SELLER EXTENDS A WRITTEN WARRANTY OR
SERVICE CONTRACT WITHIN 90 DAYS FROM THE DATE OF THIS CONTRACT.

THIS PROVISION DOES NOT AFFECT ANY WARRANTIES COVERING THE VEHICLE THAT MAY BE PROVIDED BY THE VEHICLE
MANUFACTURER OR ANY WARRANTIES REQUIRED BY LAW, E.G. LEMON LAWS.

Collection Costs. If We hire an attorney to collect what You owe and the attom is not our salaried e e, You will pay the attorney's fees
n a d nd u i

ing gh Shang ng i t
losing em. For exam , We can extend the time r ma ng some payments with t extending ers. Any ange in the

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Complaint,Petition: Credit Acceptance Corporation v. Frederick Gallishaw

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