Preview
45D05-2406-CC-006105 Filed: 6/18/2024 12:41 PM
Clerk
Lake Superior Court, Civil Division 5 Lake County, Indiana
STATE OF INDIANA ) IN THE LAKE COUNTY SUPERIOR COURT
)ss:
COUNTY OF LAKE ) CAUSE NO.
LVNV FUNDING LLC,
Plaintiff
vs.
LATRICE FRANKLIN AKA LATRICE ALEXANDER,
Defendant.
COMPLAINT
1 Upon information and belief, Defendant Latrice Franklin AKA LATRICE ALEXANDER, resides at 1441
Dalemont Way, Dyer, Lake County, Indiana.
2 Upon information and belief, Defendant is not in active military service. Please see the affidavit of Non-
Military Service attached as Exhil it A.
3 Credit was extended to Defendant on account number XXXXXXXXXXXX8455 formerly with Credit
One Bank, N.A..
4 Defendant has defaulted on the account and, as of June 06, 2024, Defendant owes a balance of $1,095.25
to Plaintiff, as is more fully set out in Plaintiff's Affidavit of Debt attached as Exhibit B and incorporated by reference.
5 Plaintiffis the assignee of Defendant’s account.
WHEREFORE, Plaintiff requests a judgment in its favor and against Defendant for total damages in the amount
of $1,095.25, plus any interest and costs of collection and such other relief as the court may deem appropriate.
Respectfully Submitted,
STENGER & STENGER, P.C.
Kors Are
Attorneys for Plaintiff
Dated: 06/14/2024
Keith A. Sparks #32766-71
( Denise M. Hallett #8406-45
C1 Zachary M. Kimmel #34667-47
XX] David W. Gray #32482-45
L) David J. Hoff #35481-15
2618 East Paris Avenue SE
Grand Rapids, MI 49546
Phone: (888) 305-7775
Fax: (616) 942-9657
Email: indiana@stengerlaw.com
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 24-165260 IIMIIIIIDIII00 100 0010011110000 1010M00 0 1
EXHIBIT A
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 24-165260 IIIIININIINIIN NINN 10010 00 01000010 U0 00 01
STATE OF INDIANA ) IN THE LAKE COUNTY SUPERIOR COURT
)ss:
COUNTY OF LAKE ) CAUSE NO.
LVNV FUNDING LLC,
Plaintiff
vs.
LATRICE FRANKLIN AKA LATRICE ALEXANDER,
Defendant.
AFFIDAVIT OF NON-MILITARY SERVICE
Comes now affiant and states:
The Defendant is not in military service. The source of my knowledge is the Department of Defense Manpower
Data Center report attached hereto as Exhibit 1. I swear or affirm under the penalties of perjury that the foregoing
representations are true to the best of my knowledge.
Respectfully Submitted,
STENGER & STENGER, P.C.
Attorneys for Plaintiff
Dated: 06/14/2024 Bynve Avs
Keith A. Sparks #32766-71
CZ Denise M. Hallett #8406-45
CI Zachary M. Kimmel #34667-47
XX] David W. Gray #32482-45
L David J. Hoff #35481-15
2618 East Paris Avenue SE
Grand Rapids, MI 49546
Phone: (888) 305-7775
Fax: (616) 942-9657
Email: indiana@stengerlaw.com
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 24-165260
EXHIBIT 1
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 24-165260
Department of Defense Manpower Data Center Fosuits us of : Jun 13 2024 09:49:24 AM
SCRA 5.20
a iy
some
Ee
pe cfs | Status Report
She dk a Pursuant to Servicemembers Civil Relief Act
S
ae”
SSN:
Birth Date: a
Last Name: FRANKLIN
First Name: LATRICE
Middle Name:
Status As Of: Jun-13-2024
Certificate ID: LRGH4Q21M18NR5S
‘On Active Duty On Active Duty Status Dato
Active Duty Star Date Active Duty End Date ‘Status Service Companent
NA NA NA
This response el emhe individuals’ active duly slalus bases onmuthe Active Duty
eeeStatus Date
ee a - ee aan -
Lott Active Duty Within 367 Days of Active Duly Status Date
Active Duly Start Dste Active Duty Enet Date Status Sonics Component
NA NA No NA
This respo-se retiocts here tho individu’ IoR acive diy status within 367 days preceding tho Activo Duty Su Dawe
“The Member or His‘Her leit Was Notitied of ¢ Future Cali Up to Active Duty on Active Duly Status Date
‘Order Notilication Start Date ‘Order Notification End Date Status Seeviee Component
NA NA No NA
This cesponse caftects wnetner the ingividual oF his ner unit has received early rotication to (eport tor active duty
Upon searching the data banks of the Department of Defense Manpower Data Center. based on the information that you provided, the above is the status of
the individual on the active duty status date as to all branches of the Uniformed Services (Army. Navy, Marine Corps, Air Force, Space Force, NOAA, Public
Health, and Coast Guard}. This status includes information on a Servicemember or his‘her unit receiving notification of future orders to report for Active Duty.
Sam frygedel
Sam Yousetzadeh, Director
Department of Defense - Manpower Data Genter
4800 Mark Center Drive, Suite 04625
Alexandria, VA 22350
File #: 24-165260
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrolment and Eligibility
Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems.
The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) {formerly known as
the Soldiers’ and Sailors‘ Civil Retief Act of 1940). DMDC has issued hundreds of thousands of “does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above. or any family
member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the
protections of the SCRA, you are strongly encouraged to oblain further verification of the person's status by contacting that person's Service. Service contact
information can be found on the SCRA website's FAQ page {Q35) via this URL: https:'/scra dmdc.osd.mil’scra‘#ifaqs. if you have evidence the person
was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked
against you. See 50 USC App. § 3921(¢}.
This response reflects the following information: 1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active
Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active
duty on the Active Duty Status Date.
More information on "Active Duty Status"
Active duty slatus as reported in this cerlificate is defined in accordance with 10 USC § 101t(d) (1). Prior to 2010 only some of the active duly periods less
than 30 consecutive days in length were available. in the case of a member of the National Guard, this includes service under a cail to active service
authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the
President and supported by Federal funds. All Active Guard Reserve (AGR} members must be assigned against an authorized mobilization position in the
unit they support. This includes Navy Training and Administration of the Reserves {TARs). Marine Corps Active Reserve (ARs) and Coast Guard Reserve
Program Administrator (RPAs}. Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S.
Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps).
Coverage Under the SCRA is Broader in Some Cases
Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be
reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for ail the Uniformed Services periods.
Title 32 periods of Active Duly are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1)
Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website
certification should check to make sure the orders on which SCRA protections are based have not been amended te extend the inclusive dates of service.
Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not
actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA
extend beyond the last dates of active duty.
Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA
are protected
WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing
erroneous information will cause an erroneous certificate to be provided.
File #: 24-165260
EXHIBIT B
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 24-165260 IIIIITINININNNN 100M 10 (11000000TN 0 01010 00101
24-165260 708002223
LVNV Funding LLC
vs.
Latrice Franklin
Defendant(s)
AFFIDAVIT
OF DEBT.
Comes now affiant, and states
I Chelsea Hudson, am an employee of Resurgent Capital Services, L.P. master servicer for Plaintiff, and I am
authorized to make this affidavit on behalf of Plaintiff.
Tam of adult age and am filly authorized by Plaintiff to make the following representations, I am familiar with
the record keeping practices of Plaintiff. The following representations are true according to documents kept in
the normal course of Plaintiff's business and/or my knowledge:
Plaintiff:
7 is the original owner of this debt.
OR
Mis not the original owner of this debt. The original creditor is Credit One Bank, N.A.
Defendant, LatriceFranklinhas an unpaid balance of $1,095.25 as of 04/29/2024, on account
ACCRA AIRGAS
That amount is due and owing to Plaintiff. This account was opened on 02/23/2017. The last payment from the
Defendant was received on 10/14/2022 in the amount of $100.00. The Account was charged off on 08/08/20
The type of account is.
M Credit card account (i.e. Visa, Mastercard, Department Store, etc.)
List the name of the Company/Store issuing credit card: Credit One Bank, N.A.
G Account for utilities (i.e. telephone, electric, sewer, etc.)
Gi Medical bill account (i.e. doctor, dentist, hospital, etc.)
i Account for services (ie. attorney fees, mechanic fees, etc.)
( Judgment issued by court (a copy of the judgment is required to be attached)
1G Other: Installment loan
/12914
This account balance includes:
MThe account contains no post-charge-off late fees.
MThe account contains no post-charge-off interest.
Plaintiff:
Mis not seeking attomey's fees.
Plaintiff's business records do not show that Defendant is a minor or an incompetent individual.
The following exhibits are attached hereto:
1 Copy of the contract or other writing evidencing the original debt.
M If the claim is based on credit card debt, a charge-off statement and monthly statement recording the most
recent purchase transaction, payment, or balance transfer.
% Bills) of Sale and Assignment and/or Affidavit(s) of Sale for the above referenced account.
M Seller data sheet reflecting individual account data extracted and printed from electronic records provided
by the seller to Plaintiff in connection with the sale of the account to Plaintiff.
The documents attached hereto are true and correct copies of documents provided to Plaintiff by seller. These
documents are reproductions of the records on file on behalf of Plaintiff based upon my review, except to the
extent that confidential and privileged information and/or personal identifying information is omitted or redacted
as required by local rules, and applicable state and federal law.
The following is a listing of the names of all prior owners of the debt:
Owner Date of Sale Defendant's Name Last 4 of the Account Number
Credit One Bank, NA. 8/31/2021 Latrice Franklin 8455
MHC Receivables, LLC and FNBM, tLe 9/17/2021
Sherman Originator Ii! LLC 9/17/2021
Sherman Originator LLC 9/17/2021
I swear or affirm under the penalties of perjury that the foregoing representations
Date: 04/29/2024 Signature of Affiant:
/12914
CREDIT ONE BANK CREDIT CARD STATEMENT
‘Account Number
July 08, 2021 to August 07, 2021
‘SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION
Previous Balance $1,202.19 New Balance $1,270.25
Payments $0.00 Past Due Amount $353.00
Other Credits $0.00 Amount Due This Period $956.25
Purchases $0.00 Minimum Payment Due $1,270.25
Balance Transfers $30.00 Payment Due Dat 09/03/21
Cash Advances $0.00 Late Payment Warning:
Fees Charged $47.25 we do not receive yaur minimum payment by the date listed above,
Interest Charged $20.81 you may have to pay a late fee up to $39,
New Balance $1,270.25 Minimum Payment Warni
Credit Limit $450.00 Iyou make only the minimum payment each period, you will pay more
Available Credit in interest and il will take you longer Lo pay off your balance.
$0.00
Statement Closing Date 08/07/21 For example.
Days in Billing Cycie 3a you make no You will pay off the ‘And you will
additional charges balance shown on ‘end up paying
‘QUESTIONS? using this card and the statement in ‘an estimated
Call Customer Service or Report each month you pay. about. total of,
a Lost or Stolen Credit Card 1-877-825-3242 Only the minimum
Outside the U.S. Call 1-702-405-2042 payment 1 months 81,270.00
Please send billing inquiries and correspondence to’
P.O. Box 98873, Las Vegas, NV 89193-8873 Ifyou would likea location for credit counseling services, call
1-886-515-5720, Or you may visit www justice.govlustlist-
credit-counseling-agencies-approved-pursuant-11-use-111.
TRANSACTIONS,
Reference Number Trans Date Post Date Description of Transaction or Credit ‘Amount
Fees
F5727006U000CYLAC ogo7 08/07 ANNUAL FEE 09/21 THROUGH 09/21 8.25
ogo7 08/07 LATE FEE 39.00
TOTAL FEES FOR THIS PERIOD 47.25
Interest Charged
owo7 08/07 Interest Charge on Purchases 20.81
gor 09/07 Interest Charge on Cash Advances 0.00,
TOTAL INTEREST FOR THIS PERIOD 20.81
2021 Totals Year-to-Date
Total fees charged in 2021 $378.00
Total interest charged in 2021 $147.91
Your account is currently closed.
NOTICE OF CHANGE IN TERMS TO YOUR CARD AGREEMENT
Under the heading "Fees:" the "Transaction Fee for Balance
Transfers” paragraph (it it appears in your Card Agreement)
is being removed. All other terms disclosed in your Card
‘Agreement remain unchanged. Please keep a copy of this,
document with your Card Agreement for future reference.
INTEREST CHARGE CALCULATION
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Balance Subject to
Type of Balance Annual Percentage Rate (APR) Interest Rate Interest Charge
Purchases 23,90%Iv) $1,044.71 $20.81
Cash Advances 23.90%|v) $0.00 $0.00
(v) = Variable Rate
5385 JBH oot 77 210808 0 OXPAGEof 20 S727 9620 M250. O1GRSSE5
Pease rotun this porton with your payment. and write your account number on your check. made payable fo CREDIT ONE BANK.
a
CreditOne
PAY YOUR BILL ONLINE at CreditOneBank.com
Account Number: EE 6455
New Balance: $1,270.25
Minimum Payment Due: $1,270.25
For address, telephone and email changes, Payment Due Date os/03/21
please complete the reverse side.
(Or, update your contact information online
at www. CreditOneBank.com. AMOUNT ENCLOSED: |$
HN Melatibeats Veeseddes HTML Hl
CREDIT ONE BANK LATRICE FRANKLIN
PO BOX 60500 1441 DALEMONT WAY
CITY OF INDUSTRY CA 91716-0500 DYER IN 46311-2298,
LoL eTD Hes lI Seed al HWM
0000000 0127025 0127025 MMMM 2.2'2'" gocumentation - Page 1/24
CREDIT ONE BANK CREDIT CARD STATEMENT
Account Number
March 08, 2021 to April 07, 2021
SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION
Previous Balance $1,037.56 New Balance $1,003.65
Payments $100.00 Past Due Amount $130.00
Other Credits $0.00 ‘Amount Due This Period $90.00
Purchases $0.00 Minimum Payment Due $220.00
Cash Advances. $0.00 Payment Due Dat 05/03/21
Fees Charged $47.25 Late Payment Warning
Interest Charged $18.84 Wwe do not receive your minimum payment by the date listed above,
New Balance $1,003.65, you may have to pay a late fee up to $39.
Credit Limit $450.00 Minimum Payment Warring
Available Credit $0.00 H you make only the minimum payment each period, you will pay more
107/21 in interest and it wil take you longer to pay off your balance.
Statement Closing Date
Days in Billing Cycie 31 For example.
you make no You willpay off the ‘And you wilt
‘QUESTIONS? additional charges balance shown on ‘end up paying
Call Customer Service or Report sing this card and the statement in ‘an estimated
a Lost or Stolen Credit Card 4-877-825-3242 ‘each month you pay. about. total of
Outside the U.S. Call 1-702-405-2042 Only the minimum
Please send billing inquiries and correspondence to: payment 3 years $1,354.00
P.O. Box 98873, Las Vegas, NV 89193-8873 Ifyou would likea location for credit counseling serviens, call
1-886-515-5720. Or you may visit wwi.justice.goviusitist-
credi-counseling-agencles-approved-pursuant-11-usc-111.
‘TRANSACTIONS,
Reference Number Trans Date_Post Dato Doscription of Transaction or Credit Amount
7407 1932Z00KTMJJA 0405 04/05 PAYMENT - THANK YOU TAS VEGAS NV 7100.00
Fees
F'57270031000CYLAC. 14107 04/07 ANNUAL FEE 05/21 THROUGH 05/21 8.25
o4io7 04/07 LATE FEE 39.00
TOTAL FEES FOR THIS PERIOD 47.25
Interest Charged
o4io7 04/07 Interest Charge on Purchases 18.84
o4i07 04/07 Interest Charge on Cash Advances 0.00
‘TOTAL INTEREST FOR THIS PERIOD 18.84
2021 Totals Year-to-Date
Total fees charged in 2021 $189.00
Total interest charged in 2021 $70.31
YOUR ACCOUNT IS PAST DUE AND WILL ADVERSELY
AFFECT YOUR CREDIT RATING. PLEASE PAY THE
MINIMUM AMOUNT DUE NOW OR CALL (888) 729-6274
‘Your account is currently closed.
INTEREST CHARGE CALCULATION
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Balance Subject to.
‘Type of Balance ‘Annual Percentage Rate (APR) Interest Rate Interest Charge
Purchases 23.90%Iv) $946.03, $18.84
Cash Advances 23.90%v) $0.00 $0.00
(v) = Variable Rate
5385 JBH oot 77 210407 0 CXPAGE 1 of 1 20 5727 9620 M250 O1GRS365
Prease return this portion with your payment, and wite your account number on your check. made payable to CREDIT ONE BANK.
a
CreditOne
PAY YOUR BILL ONLINE at CreditOneBank.com
‘Account Number: 6455.
New Balance: $1,003.65
Minimum Payment Due: $220.00
For address, telephone and email changes. Payment Due Date: 05/03/21
please complete the reverse side.
r, update your contact information online
at www. CreditOneBank.com. AMOUNT ENCLOSED: |$
Lldes covvessseealsLabosLaloss
lel ell lls Lesasdeee
CREDIT ONE BANK LATRICE FRANKLIN
PO BOX 60500 1441 DALEMONT WAY
CITY OF INDUSTRY CA 91716-0500 DYER IN 46311-2288
sedate TMU Hateeadel oH H tee aboeelie
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Exhibit Documentation - Page
BILL OF SALE AND ASSIGNMENT OF ACCOUNTS
EROM CREDIT ONE BANK, N.A. TO MHC RECEIVABLES, LLC
As of August 31, 2021, for good and valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, Credit One Bank, N.A. (“Assignor”) has transferred, has sold, has assigned, has conveyed, has granted
and has otherwise delivered to MHC Receivables, LLC (“Assignee”), all of Assignor’s right, title and interest in and
to (i) the charged-off credit card accounts identified on an account level basis in the data file named
CreditOne_Fresh_LegalRecall_092021 (the “Computer File”), a copy of which is attached hereto and incorporated
herein by reference as “Exhibit A”; and, (ji) certain related account level media or electronic copies
thereof (including,
but not limited to applications, statements, terms and condition), and (iii) all claims or rights arising out of or
relating
toeach account referenced on the Computer File (collectively hereinafter, the “Accounts”) including, but not
limited
to, all claims and rights afforded each Account by virtue of that Account’s corresponding terms and conditions.
The Accounts transferred under the terms of this Bill of Sale and Assignment of Accounts were
each
transferred to Assignee immediately following charge off for each applicable Account, as shown in the Computer
File.
With respect to information for the Accounts, Assignor represents and warrants to Assignee that the
business
records conveyed to Assignee relating to: (i) the Accounts issued by Assignor; and (ii) the sale and assignment
of
Accounts by Assignor (collectively, the “Business Records”), are kept by Assignor in the regular course of its business.
It is in the regular course of business of Assignor for an employee or an authorized representative with
personal
knowledge of the act, event, condition, or opinion (collectively “Event”) to be recorded, to make the appropriate
memorandum or recording of the Event at or re: sonably near the time of the Event, Furthermore, Assignor represents
and warrants to Assignee that the Business Records are materially complete and accurate, and thoroughly embody
the
information in Assignor’s custody and control for the Accounts from their creation until the time of transfer
to
Assignee. These representations and warranties are intended to augment any other representations and warranties
the
parties may have in place and not supplant any other existing warranties and representations.
This Bill of Sale and Assignment of Accounts shall serve as evidence of ownership for the Accounts
conveyed hereby and shall serve as an acknowledgment, as ratification, and as evidence of the intent of the parties to
transfer the Accounts.
CREDIT ONE BANK, N.A.
2S EL
Michael Wiese
Vice President
Exhibit Documentation -
EXHIBIT A
ACCOUNT SCHEDULE
The Accounts that are specifically identified in the electronic file named CreditOne_Fresh_LegalRecall_092021
with such electronic -_ incorporated herein by reference.
Exhibit Documentation -
BILL OF SALE AND ASSIGNMENT OF RECEIVABLES
FROM CREDIT ONE BANK, N.A. TO MHC RECEIVABLES, LLC
As of August 31, 2021, for good and valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, Credit One Bank, N.A. (“ ignor”) has transferred, has sold, has assigned, has conveyed, has granted
and has otherwise delivered to MHC Receivables, LLC (“Assignee”), all of Assignor’s right, title and interest
in and
to (i) the receivables associated with each and every account referenced in the data file named
CreditOne_Fresh_LegalRecall_092021 (the “Computer File”), a copy of which is attached hereto and incorporated
herein by reference as “Exhibit A”; and, (ii) all claims or rights arising out of or relating to each of those Receivables
(hereinafter, the “Receivables”),
The Receivables transferred under the terms of this Bill of Sale and Assignment of Receivables were each
transferred to Assignee prior to the charge off of the associated accounts, as shown in the Computer File. This Bill of
Sale and Assignment of Receivables evidences the intent between the parties for the transfer of the Receivables, acts
an acknowledgement of those transfers, and, to the extent necessary, ratification of the transfers.
With respect to information for the Receivables, Assignor represents and warrants to Assignee that the
business records conveyed to Assignee relating to the Receivables (the “Business Records"), are kept by Assignor in
the regular course of its business. It is in the regular course of business of Assignor for an employee or an authorized
representative with personal knowledge of the act, event, condition, or opinion (collectively “Event”) to be
recorded,
to make the appropriate memorandum or recording of the Event at or reasonably near the time of the Event.
Furthermore, Assignor represents and warrants to Assignee that the Business Records are materially complete and
accurate, and thoroughly embody the information in Assignor’s custody and contro! for the Receivables from their
creation until the time of transfer to Assignee, These representations and warranties are intended to augment any other
representations and warranties the parties may have in place and not supplant any other existing warranties and
representations.
This Bill of Sale and Assignment of Receivables shall serve as evidence of ownership for the Receivables
conveyed hereby and shall serve as an acknowledgment, as ratification, and as evidence of the intent of the parties to
transfer the Receivables.
CREDIT ONE BANK, N.A.
2SAU -
Michael Wiese
Vice President
Exhibit Documentation -
EXHIBIT A
ACCOUNT SCHEDULE
The Accounts that are specifically identified in the electronic file named CreditOne_Fresh_LegalRecall_092021
with such electronic file incorporated herein by reference.
Exhibit Documentation -
BILL OF SALE AND ASSIGNMENT OF RECEIVABLES
F ROM MHC RECEIVABLES,
A ABLES LLC,
LLC, TO
TO FNBM,
ENBM, LLC
LLC
As of September 17, 2021, MHC Receivables, LLC (“Assignor”), for good and valuable consideration, the
receipt and sufficiency of which is hereby acknowledged, has periodically transferred, has sold, has assigned, has
conveyed, has granted and has otherwise delivered to FNBM, LLC, (“Assignee”) all of its rights, title and interest in
and to (i) the receivables identified and specifically referenced for each of the accounts on an account level basis on
the data file titled CreditOne_Fresh_LegalRecall_092021 attached hereto and incorporated by reference as “Exhibit
An id (ii) all claims or rights arising out of or relating to the account level receivables (hereinafter the
“Receivables”).
With respect to information for the Receivables, Assignor represents and warrants to Assignee that the
business records conveyed to Assignee relating to the Receivables (the “Business Records”), are kept by Assignor in
the regular course of its business. It is in the regular course of business of Assignor for an employee or an authorized
representative with personal knowledge of the act, event, condition, or opinion (collectively “Event”) to be recorded,
to make the appropriate memorandum or recording of the Event at or reasonably near the time of the Event,
Furthermore, Assignor represents and warrants to Assignee that the Business Records are materially complete and
accurate, and thoroughly embody the information in Assignor’s custody and control for the Receivables from their
creation until the time of transfer to Assignee. These representations and warranties are intended to augment any other
representations and warranties the parties may have in place and not supplant any other existing warranties and
representations.
This Bill of Sale and Assignment of Receivables shall serve as an acknowledgment, as ratifi tion, and as evidence
of the intent of the parties to transfer the Released Receivables referenced herein.
MHC Receivables, LLC
he!
Mark Rufail, Authorized Representative
Exhibit Documentation -
EXHIBIT A
ACCOUNT SCHEDULE
The Accounts that are specifically identified in the electronic file named CreditOne_Fresh_LegalRecall_09202
1,
with such electronic file incorporated herein by reference,
Exhibit Documentation -
BILL OF SALE AND ASSIGNMENT OF RECEIVABLES
F.
aeFNBM,NS EA
ROM LLC, TO
EU SHERMAN ORIGINATOR
ORIGINATOR Ili
HI LLC
LLC
On September 17, 2021, FNBM, LLC (“Assignor’), for good and valuable consideration, the receipt of
which is hereby acknowledged, hereby transfers, sells, assigns, conveys, grants and delivers to Sherman O1 iginator
IL LLC (“Assignee”), all of its rights, title and interest in and to (i) the receivables identified and speciti lly
referenced for each of the accounts on an account level basis on the data file titled
CreditOne_Fresh_LegalRecall_092021 attached hereto and incorporated by reference as “Exhibit A": and Gi) all
claims or rights arising out of or relating to the receivables (hereinafter the Receivables”).
Bill of Sale and Assignment of Receivables shall serve as evidence of ownership for any of the
Receivables conveyed hereby.
FNBM, LLC
Jon
Al yyy)
poli, Aut zed Representative
With respect to information for the Receivables, MHC Receivables, LLC (“MHC" presents and warrants
to Assignee that the business records conveyed to Assignee relating to the vivables (the Business Records”), are
kept by MHC in the regular course of its business, It is in the regular course of busin of MHC for an employee or
an authori ed representative with personal Knowledge of the act, event, condition, or opinion (collectively “Event")
to be recorded, to make the appropriate memorandum or recording of the Event at or reasonably near the time of the
Event. Furthermore, Assignor represents and warrants to Assigne at the Business Records are materially complete
and accurate, and thoroughly embody thi information in As: ne custody and control for the Receivables from their
creation until the ime of transfer to Assignee. These representations and warranties are intended to augment any other
representations and warranties the parties may have in place and not supplant any other existing warranties and
representations,
MHC Receivables, LLC
Preview
45D05-2406-CC-006105 Filed: 6/18/2024 12:41 PM Clerk Lake Superior Court, Civil Division 5 Lake County, Indiana STATE OF INDIANA ) IN THE LAKE COUNTY SUPERIOR COURT )ss: COUNTY OF LAKE ) CAUSE NO. LVNV FUNDING LLC, Plaintiff vs. LATRICE FRANKLIN AKA LATRICE ALEXANDER, Defendant. COMPLAINT 1 Upon information and belief, Defendant Latrice Franklin AKA LATRICE ALEXANDER, resides at 1441 Dalemont Way, Dyer, Lake County, Indiana. 2 Upon information and belief, Defendant is not in active military service. Please see the affidavit of Non- Military Service attached as Exhil it A. 3 Credit was extended to Defendant on account number XXXXXXXXXXXX8455 formerly with Credit One Bank, N.A.. 4 Defendant has defaulted on the account and, as of June 06, 2024, Defendant owes a balance of $1,095.25 to Plaintiff, as is more fully set out in Plaintiff's Affidavit of Debt attached as Exhibit B and incorporated by reference. 5 Plaintiffis the assignee of Defendant’s account. WHEREFORE, Plaintiff requests a judgment in its favor and against Defendant for total damages in the amount of $1,095.25, plus any interest and costs of collection and such other relief as the court may deem appropriate. Respectfully Submitted, STENGER & STENGER, P.C. Kors Are Attorneys for Plaintiff Dated: 06/14/2024 Keith A. Sparks #32766-71 ( Denise M. Hallett #8406-45 C1 Zachary M. Kimmel #34667-47 XX] David W. Gray #32482-45 L) David J. Hoff #35481-15 2618 East Paris Avenue SE Grand Rapids, MI 49546 Phone: (888) 305-7775 Fax: (616) 942-9657 Email: indiana@stengerlaw.com THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 24-165260 IIMIIIIIDIII00 100 0010011110000 1010M00 0 1 EXHIBIT A THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 24-165260 IIIIININIINIIN NINN 10010 00 01000010 U0 00 01 STATE OF INDIANA ) IN THE LAKE COUNTY SUPERIOR COURT )ss: COUNTY OF LAKE ) CAUSE NO. LVNV FUNDING LLC, Plaintiff vs. LATRICE FRANKLIN AKA LATRICE ALEXANDER, Defendant. AFFIDAVIT OF NON-MILITARY SERVICE Comes now affiant and states: The Defendant is not in military service. The source of my knowledge is the Department of Defense Manpower Data Center report attached hereto as Exhibit 1. I swear or affirm under the penalties of perjury that the foregoing representations are true to the best of my knowledge. Respectfully Submitted, STENGER & STENGER, P.C. Attorneys for Plaintiff Dated: 06/14/2024 Bynve Avs Keith A. Sparks #32766-71 CZ Denise M. Hallett #8406-45 CI Zachary M. Kimmel #34667-47 XX] David W. Gray #32482-45 L David J. Hoff #35481-15 2618 East Paris Avenue SE Grand Rapids, MI 49546 Phone: (888) 305-7775 Fax: (616) 942-9657 Email: indiana@stengerlaw.com THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 24-165260 EXHIBIT 1 THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 24-165260 Department of Defense Manpower Data Center Fosuits us of : Jun 13 2024 09:49:24 AM SCRA 5.20 a iy some Ee pe cfs | Status Report She dk a Pursuant to Servicemembers Civil Relief Act S ae” SSN: Birth Date: a Last Name: FRANKLIN First Name: LATRICE Middle Name: Status As Of: Jun-13-2024 Certificate ID: LRGH4Q21M18NR5S ‘On Active Duty On Active Duty Status Dato Active Duty Star Date Active Duty End Date ‘Status Service Companent NA NA NA This response el emhe individuals’ active duly slalus bases onmuthe Active Duty eeeStatus Date ee a - ee aan - Lott Active Duty Within 367 Days of Active Duly Status Date Active Duly Start Dste Active Duty Enet Date Status Sonics Component NA NA No NA This respo-se retiocts here tho individu’ IoR acive diy status within 367 days preceding tho Activo Duty Su Dawe “The Member or His‘Her leit Was Notitied of ¢ Future Cali Up to Active Duty on Active Duly Status Date ‘Order Notilication Start Date ‘Order Notification End Date Status Seeviee Component NA NA No NA This cesponse caftects wnetner the ingividual oF his ner unit has received early rotication to (eport tor active duty Upon searching the data banks of the Department of Defense Manpower Data Center. based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army. Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard}. This status includes information on a Servicemember or his‘her unit receiving notification of future orders to report for Active Duty. Sam frygedel Sam Yousetzadeh, Director Department of Defense - Manpower Data Genter 4800 Mark Center Drive, Suite 04625 Alexandria, VA 22350 File #: 24-165260 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrolment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) {formerly known as the Soldiers’ and Sailors‘ Civil Retief Act of 1940). DMDC has issued hundreds of thousands of “does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above. or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to oblain further verification of the person's status by contacting that person's Service. Service contact information can be found on the SCRA website's FAQ page {Q35) via this URL: https:'/scra dmdc.osd.mil’scra‘#ifaqs. if you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(¢}. This response reflects the following information: 1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty slatus as reported in this cerlificate is defined in accordance with 10 USC § 101t(d) (1). Prior to 2010 only some of the active duly periods less than 30 consecutive days in length were available. in the case of a member of the National Guard, this includes service under a cail to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR} members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves {TARs). Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs}. Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for ail the Uniformed Services periods. Title 32 periods of Active Duly are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1) Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended te extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. File #: 24-165260 EXHIBIT B THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 24-165260 IIIIITINININNNN 100M 10 (11000000TN 0 01010 00101 24-165260 708002223 LVNV Funding LLC vs. Latrice Franklin Defendant(s) AFFIDAVIT OF DEBT. Comes now affiant, and states I Chelsea Hudson, am an employee of Resurgent Capital Services, L.P. master servicer for Plaintiff, and I am authorized to make this affidavit on behalf of Plaintiff. Tam of adult age and am filly authorized by Plaintiff to make the following representations, I am familiar with the record keeping practices of Plaintiff. The following representations are true according to documents kept in the normal course of Plaintiff's business and/or my knowledge: Plaintiff: 7 is the original owner of this debt. OR Mis not the original owner of this debt. The original creditor is Credit One Bank, N.A. Defendant, LatriceFranklinhas an unpaid balance of $1,095.25 as of 04/29/2024, on account ACCRA AIRGAS That amount is due and owing to Plaintiff. This account was opened on 02/23/2017. The last payment from the Defendant was received on 10/14/2022 in the amount of $100.00. The Account was charged off on 08/08/20 The type of account is. M Credit card account (i.e. Visa, Mastercard, Department Store, etc.) List the name of the Company/Store issuing credit card: Credit One Bank, N.A. G Account for utilities (i.e. telephone, electric, sewer, etc.) Gi Medical bill account (i.e. doctor, dentist, hospital, etc.) i Account for services (ie. attorney fees, mechanic fees, etc.) ( Judgment issued by court (a copy of the judgment is required to be attached) 1G Other: Installment loan /12914 This account balance includes: MThe account contains no post-charge-off late fees. MThe account contains no post-charge-off interest. Plaintiff: Mis not seeking attomey's fees. Plaintiff's business records do not show that Defendant is a minor or an incompetent individual. The following exhibits are attached hereto: 1 Copy of the contract or other writing evidencing the original debt. M If the claim is based on credit card debt, a charge-off statement and monthly statement recording the most recent purchase transaction, payment, or balance transfer. % Bills) of Sale and Assignment and/or Affidavit(s) of Sale for the above referenced account. M Seller data sheet reflecting individual account data extracted and printed from electronic records provided by the seller to Plaintiff in connection with the sale of the account to Plaintiff. The documents attached hereto are true and correct copies of documents provided to Plaintiff by seller. These documents are reproductions of the records on file on behalf of Plaintiff based upon my review, except to the extent that confidential and privileged information and/or personal identifying information is omitted or redacted as required by local rules, and applicable state and federal law. The following is a listing of the names of all prior owners of the debt: Owner Date of Sale Defendant's Name Last 4 of the Account Number Credit One Bank, NA. 8/31/2021 Latrice Franklin 8455 MHC Receivables, LLC and FNBM, tLe 9/17/2021 Sherman Originator Ii! LLC 9/17/2021 Sherman Originator LLC 9/17/2021 I swear or affirm under the penalties of perjury that the foregoing representations Date: 04/29/2024 Signature of Affiant: /12914 CREDIT ONE BANK CREDIT CARD STATEMENT ‘Account Number July 08, 2021 to August 07, 2021 ‘SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION Previous Balance $1,202.19 New Balance $1,270.25 Payments $0.00 Past Due Amount $353.00 Other Credits $0.00 Amount Due This Period $956.25 Purchases $0.00 Minimum Payment Due $1,270.25 Balance Transfers $30.00 Payment Due Dat 09/03/21 Cash Advances $0.00 Late Payment Warning: Fees Charged $47.25 we do not receive yaur minimum payment by the date listed above, Interest Charged $20.81 you may have to pay a late fee up to $39, New Balance $1,270.25 Minimum Payment Warni Credit Limit $450.00 Iyou make only the minimum payment each period, you will pay more Available Credit in interest and il will take you longer Lo pay off your balance. $0.00 Statement Closing Date 08/07/21 For example. Days in Billing Cycie 3a you make no You will pay off the ‘And you will additional charges balance shown on ‘end up paying ‘QUESTIONS? using this card and the statement in ‘an estimated Call Customer Service or Report each month you pay. about. total of, a Lost or Stolen Credit Card 1-877-825-3242 Only the minimum Outside the U.S. Call 1-702-405-2042 payment 1 months 81,270.00 Please send billing inquiries and correspondence to’ P.O. Box 98873, Las Vegas, NV 89193-8873 Ifyou would likea location for credit counseling services, call 1-886-515-5720, Or you may visit www justice.govlustlist- credit-counseling-agencies-approved-pursuant-11-use-111. TRANSACTIONS, Reference Number Trans Date Post Date Description of Transaction or Credit ‘Amount Fees F5727006U000CYLAC ogo7 08/07 ANNUAL FEE 09/21 THROUGH 09/21 8.25 ogo7 08/07 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD 47.25 Interest Charged owo7 08/07 Interest Charge on Purchases 20.81 gor 09/07 Interest Charge on Cash Advances 0.00, TOTAL INTEREST FOR THIS PERIOD 20.81 2021 Totals Year-to-Date Total fees charged in 2021 $378.00 Total interest charged in 2021 $147.91 Your account is currently closed. NOTICE OF CHANGE IN TERMS TO YOUR CARD AGREEMENT Under the heading "Fees:" the "Transaction Fee for Balance Transfers” paragraph (it it appears in your Card Agreement) is being removed. All other terms disclosed in your Card ‘Agreement remain unchanged. Please keep a copy of this, document with your Card Agreement for future reference. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Balance Subject to Type of Balance Annual Percentage Rate (APR) Interest Rate Interest Charge Purchases 23,90%Iv) $1,044.71 $20.81 Cash Advances 23.90%|v) $0.00 $0.00 (v) = Variable Rate 5385 JBH oot 77 210808 0 OXPAGEof 20 S727 9620 M250. O1GRSSE5 Pease rotun this porton with your payment. and write your account number on your check. made payable fo CREDIT ONE BANK. a CreditOne PAY YOUR BILL ONLINE at CreditOneBank.com Account Number: EE 6455 New Balance: $1,270.25 Minimum Payment Due: $1,270.25 For address, telephone and email changes, Payment Due Date os/03/21 please complete the reverse side. (Or, update your contact information online at www. CreditOneBank.com. AMOUNT ENCLOSED: |$ HN Melatibeats Veeseddes HTML Hl CREDIT ONE BANK LATRICE FRANKLIN PO BOX 60500 1441 DALEMONT WAY CITY OF INDUSTRY CA 91716-0500 DYER IN 46311-2298, LoL eTD Hes lI Seed al HWM 0000000 0127025 0127025 MMMM 2.2'2'" gocumentation - Page 1/24 CREDIT ONE BANK CREDIT CARD STATEMENT Account Number March 08, 2021 to April 07, 2021 SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION Previous Balance $1,037.56 New Balance $1,003.65 Payments $100.00 Past Due Amount $130.00 Other Credits $0.00 ‘Amount Due This Period $90.00 Purchases $0.00 Minimum Payment Due $220.00 Cash Advances. $0.00 Payment Due Dat 05/03/21 Fees Charged $47.25 Late Payment Warning Interest Charged $18.84 Wwe do not receive your minimum payment by the date listed above, New Balance $1,003.65, you may have to pay a late fee up to $39. Credit Limit $450.00 Minimum Payment Warring Available Credit $0.00 H you make only the minimum payment each period, you will pay more 107/21 in interest and it wil take you longer to pay off your balance. Statement Closing Date Days in Billing Cycie 31 For example. you make no You willpay off the ‘And you wilt ‘QUESTIONS? additional charges balance shown on ‘end up paying Call Customer Service or Report sing this card and the statement in ‘an estimated a Lost or Stolen Credit Card 4-877-825-3242 ‘each month you pay. about. total of Outside the U.S. Call 1-702-405-2042 Only the minimum Please send billing inquiries and correspondence to: payment 3 years $1,354.00 P.O. Box 98873, Las Vegas, NV 89193-8873 Ifyou would likea location for credit counseling serviens, call 1-886-515-5720. Or you may visit wwi.justice.goviusitist- credi-counseling-agencles-approved-pursuant-11-usc-111. ‘TRANSACTIONS, Reference Number Trans Date_Post Dato Doscription of Transaction or Credit Amount 7407 1932Z00KTMJJA 0405 04/05 PAYMENT - THANK YOU TAS VEGAS NV 7100.00 Fees F'57270031000CYLAC. 14107 04/07 ANNUAL FEE 05/21 THROUGH 05/21 8.25 o4io7 04/07 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD 47.25 Interest Charged o4io7 04/07 Interest Charge on Purchases 18.84 o4i07 04/07 Interest Charge on Cash Advances 0.00 ‘TOTAL INTEREST FOR THIS PERIOD 18.84 2021 Totals Year-to-Date Total fees charged in 2021 $189.00 Total interest charged in 2021 $70.31 YOUR ACCOUNT IS PAST DUE AND WILL ADVERSELY AFFECT YOUR CREDIT RATING. PLEASE PAY THE MINIMUM AMOUNT DUE NOW OR CALL (888) 729-6274 ‘Your account is currently closed. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Balance Subject to. ‘Type of Balance ‘Annual Percentage Rate (APR) Interest Rate Interest Charge Purchases 23.90%Iv) $946.03, $18.84 Cash Advances 23.90%v) $0.00 $0.00 (v) = Variable Rate 5385 JBH oot 77 210407 0 CXPAGE 1 of 1 20 5727 9620 M250 O1GRS365 Prease return this portion with your payment, and wite your account number on your check. made payable to CREDIT ONE BANK. a CreditOne PAY YOUR BILL ONLINE at CreditOneBank.com ‘Account Number: 6455. New Balance: $1,003.65 Minimum Payment Due: $220.00 For address, telephone and email changes. Payment Due Date: 05/03/21 please complete the reverse side. r, update your contact information online at www. CreditOneBank.com. AMOUNT ENCLOSED: |$ Lldes covvessseealsLabosLaloss lel ell lls Lesasdeee CREDIT ONE BANK LATRICE FRANKLIN PO BOX 60500 1441 DALEMONT WAY CITY OF INDUSTRY CA 91716-0500 DYER IN 46311-2288 sedate TMU Hateeadel oH H tee aboeelie Exhibit Documentation - Page 2/24 0010000 0100365 0018100 EES 455 9 Qo000 ay oo oo Baa o0oa0 og00 Bao 0000 ao o2 2 2 Qo900 9900 ag Soa eooHRoOHFHOHFHOHDHOHOHO HDHD a ° 3 oO g a o a o 222 222 222 Exhibit Documentation - Page | sos aac sco 2282 £22 220 Exhibit Documentation - Page - soo aos asco aa an Da DA DA = = a D aa a a a a a 9 ° a Q o9 oQQ =aQ QQ 2a Q BS888 £338 &8 B38 a3 Bas 23 Exhibit Documentation - Page | sos aac sco ag Qo 2 2,2, 2 2 2 222, Exhibit Documentation - Page | sos = aac sco > 222 2232 2228 Exhibit Documentation - Page sos aac sco a 2 222 222 222 Exhibit Documentation - Page | sos sod aac sco a £232 2 2 2 222 222 22L Exhibit Documentation - Page | sos aac sco 3. o 822 222 2228 Exhibit Documentation - Page soo aos asco 222 222 225 Exhibit Documentation - Page sos aac sco 2, 2 2, 2B 2 2 2 2 2, Exhibit Documentation - Page BILL OF SALE AND ASSIGNMENT OF ACCOUNTS EROM CREDIT ONE BANK, N.A. TO MHC RECEIVABLES, LLC As of August 31, 2021, for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, Credit One Bank, N.A. (“Assignor”) has transferred, has sold, has assigned, has conveyed, has granted and has otherwise delivered to MHC Receivables, LLC (“Assignee”), all of Assignor’s right, title and interest in and to (i) the charged-off credit card accounts identified on an account level basis in the data file named CreditOne_Fresh_LegalRecall_092021 (the “Computer File”), a copy of which is attached hereto and incorporated herein by reference as “Exhibit A”; and, (ji) certain related account level media or electronic copies thereof (including, but not limited to applications, statements, terms and condition), and (iii) all claims or rights arising out of or relating toeach account referenced on the Computer File (collectively hereinafter, the “Accounts”) including, but not limited to, all claims and rights afforded each Account by virtue of that Account’s corresponding terms and conditions. The Accounts transferred under the terms of this Bill of Sale and Assignment of Accounts were each transferred to Assignee immediately following charge off for each applicable Account, as shown in the Computer File. With respect to information for the Accounts, Assignor represents and warrants to Assignee that the business records conveyed to Assignee relating to: (i) the Accounts issued by Assignor; and (ii) the sale and assignment of Accounts by Assignor (collectively, the “Business Records”), are kept by Assignor in the regular course of its business. It is in the regular course of business of Assignor for an employee or an authorized representative with personal knowledge of the act, event, condition, or opinion (collectively “Event”) to be recorded, to make the appropriate memorandum or recording of the Event at or re: sonably near the time of the Event, Furthermore, Assignor represents and warrants to Assignee that the Business Records are materially complete and accurate, and thoroughly embody the information in Assignor’s custody and control for the Accounts from their creation until the time of transfer to Assignee. These representations and warranties are intended to augment any other representations and warranties the parties may have in place and not supplant any other existing warranties and representations. This Bill of Sale and Assignment of Accounts shall serve as evidence of ownership for the Accounts conveyed hereby and shall serve as an acknowledgment, as ratification, and as evidence of the intent of the parties to transfer the Accounts. CREDIT ONE BANK, N.A. 2S EL Michael Wiese Vice President Exhibit Documentation - EXHIBIT A ACCOUNT SCHEDULE The Accounts that are specifically identified in the electronic file named CreditOne_Fresh_LegalRecall_092021 with such electronic -_ incorporated herein by reference. Exhibit Documentation - BILL OF SALE AND ASSIGNMENT OF RECEIVABLES FROM CREDIT ONE BANK, N.A. TO MHC RECEIVABLES, LLC As of August 31, 2021, for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, Credit One Bank, N.A. (“ ignor”) has transferred, has sold, has assigned, has conveyed, has granted and has otherwise delivered to MHC Receivables, LLC (“Assignee”), all of Assignor’s right, title and interest in and to (i) the receivables associated with each and every account referenced in the data file named CreditOne_Fresh_LegalRecall_092021 (the “Computer File”), a copy of which is attached hereto and incorporated herein by reference as “Exhibit A”; and, (ii) all claims or rights arising out of or relating to each of those Receivables (hereinafter, the “Receivables”), The Receivables transferred under the terms of this Bill of Sale and Assignment of Receivables were each transferred to Assignee prior to the charge off of the associated accounts, as shown in the Computer File. This Bill of Sale and Assignment of Receivables evidences the intent between the parties for the transfer of the Receivables, acts an acknowledgement of those transfers, and, to the extent necessary, ratification of the transfers. With respect to information for the Receivables, Assignor represents and warrants to Assignee that the business records conveyed to Assignee relating to the Receivables (the “Business Records"), are kept by Assignor in the regular course of its business. It is in the regular course of business of Assignor for an employee or an authorized representative with personal knowledge of the act, event, condition, or opinion (collectively “Event”) to be recorded, to make the appropriate memorandum or recording of the Event at or reasonably near the time of the Event. Furthermore, Assignor represents and warrants to Assignee that the Business Records are materially complete and accurate, and thoroughly embody the information in Assignor’s custody and contro! for the Receivables from their creation until the time of transfer to Assignee, These representations and warranties are intended to augment any other representations and warranties the parties may have in place and not supplant any other existing warranties and representations. This Bill of Sale and Assignment of Receivables shall serve as evidence of ownership for the Receivables conveyed hereby and shall serve as an acknowledgment, as ratification, and as evidence of the intent of the parties to transfer the Receivables. CREDIT ONE BANK, N.A. 2SAU - Michael Wiese Vice President Exhibit Documentation - EXHIBIT A ACCOUNT SCHEDULE The Accounts that are specifically identified in the electronic file named CreditOne_Fresh_LegalRecall_092021 with such electronic file incorporated herein by reference. Exhibit Documentation - BILL OF SALE AND ASSIGNMENT OF RECEIVABLES F ROM MHC RECEIVABLES, A ABLES LLC, LLC, TO TO FNBM, ENBM, LLC LLC As of September 17, 2021, MHC Receivables, LLC (“Assignor”), for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, has periodically transferred, has sold, has assigned, has conveyed, has granted and has otherwise delivered to FNBM, LLC, (“Assignee”) all of its rights, title and interest in and to (i) the receivables identified and specifically referenced for each of the accounts on an account level basis on the data file titled CreditOne_Fresh_LegalRecall_092021 attached hereto and incorporated by reference as “Exhibit An id (ii) all claims or rights arising out of or relating to the account level receivables (hereinafter the “Receivables”). With respect to information for the Receivables, Assignor represents and warrants to Assignee that the business records conveyed to Assignee relating to the Receivables (the “Business Records”), are kept by Assignor in the regular course of its business. It is in the regular course of business of Assignor for an employee or an authorized representative with personal knowledge of the act, event, condition, or opinion (collectively “Event”) to be recorded, to make the appropriate memorandum or recording of the Event at or reasonably near the time of the Event, Furthermore, Assignor represents and warrants to Assignee that the Business Records are materially complete and accurate, and thoroughly embody the information in Assignor’s custody and control for the Receivables from their creation until the time of transfer to Assignee. These representations and warranties are intended to augment any other representations and warranties the parties may have in place and not supplant any other existing warranties and representations. This Bill of Sale and Assignment of Receivables shall serve as an acknowledgment, as ratifi tion, and as evidence of the intent of the parties to transfer the Released Receivables referenced herein. MHC Receivables, LLC he! Mark Rufail, Authorized Representative Exhibit Documentation - EXHIBIT A ACCOUNT SCHEDULE The Accounts that are specifically identified in the electronic file named CreditOne_Fresh_LegalRecall_09202 1, with such electronic file incorporated herein by reference, Exhibit Documentation - BILL OF SALE AND ASSIGNMENT OF RECEIVABLES F. aeFNBM,NS EA ROM LLC, TO EU SHERMAN ORIGINATOR ORIGINATOR Ili HI LLC LLC On September 17, 2021, FNBM, LLC (“Assignor’), for good and valuable consideration, the receipt of which is hereby acknowledged, hereby transfers, sells, assigns, conveys, grants and delivers to Sherman O1 iginator IL LLC (“Assignee”), all of its rights, title and interest in and to (i) the receivables identified and speciti lly referenced for each of the accounts on an account level basis on the data file titled CreditOne_Fresh_LegalRecall_092021 attached hereto and incorporated by reference as “Exhibit A": and Gi) all claims or rights arising out of or relating to the receivables (hereinafter the Receivables”). Bill of Sale and Assignment of Receivables shall serve as evidence of ownership for any of the Receivables conveyed hereby. FNBM, LLC Jon Al yyy) poli, Aut zed Representative With respect to information for the Receivables, MHC Receivables, LLC (“MHC" presents and warrants to Assignee that the business records conveyed to Assignee relating to the vivables (the Business Records”), are kept by MHC in the regular course of its business, It is in the regular course of busin of MHC for an employee or an authori ed representative with personal Knowledge of the act, event, condition, or opinion (collectively “Event") to be recorded, to make the appropriate memorandum or recording of the Event at or reasonably near the time of the Event. Furthermore, Assignor represents and warrants to Assigne at the Business Records are materially complete and accurate, and thoroughly embody thi information in As: ne custody and control for the Receivables from their creation until the ime of transfer to Assignee. These representations and warranties are intended to augment any other representations and warranties the parties may have in place and not supplant any other existing warranties and representations, MHC Receivables, LLC