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  • Midland Credit Management Inc v. Chana Frydman Other Matters - Consumer Credit (Card) Debt Buyer Plaintiff document preview
  • Midland Credit Management Inc v. Chana Frydman Other Matters - Consumer Credit (Card) Debt Buyer Plaintiff document preview
  • Midland Credit Management Inc v. Chana Frydman Other Matters - Consumer Credit (Card) Debt Buyer Plaintiff document preview
  • Midland Credit Management Inc v. Chana Frydman Other Matters - Consumer Credit (Card) Debt Buyer Plaintiff document preview
						
                                

Preview

FILED: ROCKLAND COUNTY CLERK 01/08/2020 06:10 PM INDEX NO. 037259/2019 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 01/08/2020 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF ROCKLAND ------------------------------------------------------------------ X MIDLAND CREDIT MANAGEMENT, INC., INDEX NO.: 037259/2019 Plaintiff, DISCLOSURE DEMANDS -AGAINST- CHANA FRYDMAN CONSUMER CREDIT Defendant. ----------------------------------------------------------------- X Defendant, by and through his attorney, hereby request(s) that Plaintiff serve upon the undersigned responses to the below disclosure demands within the time(s) set forth under the CPLR. These interrogatories are continuing. If at any time after service of answers hereto, and prior to the trial of this action, plaintiff obtains or becomes aware of additional information pertaining to any of these interrogatories or document requests, plaintiff shall, within thirty (30) days, serve upon the undersigned supplemental sworn written answers setting forth such additional information. TAKE NOTICE that if you fail to do so each of the matters as to which an admission is requested shall be deemed admitted unless by the above mentioned time, you have acted or otherwise moved with regard to this request in accordance with the provisions of CPLR 3123. DEFINITIONS Defendant(s) set(s) forth the following definitions particular to this litigation: 1. The term "you" and its possessive "your" refer to plaintiff and anyone acting on their behalf. 2. The term “defendant” refers to the defendant, any other co-defendant, joint account holder, or any other person allegedly obligated on the subject account. 3. “Account” means the credit card account, credit or cash advance account, or any other type of loan account that you contend the defendant owes in this lawsuit. INSTRUCTIONS 1 of 16 FILED: ROCKLAND COUNTY CLERK 01/08/2020 06:10 PM INDEX NO. 037259/2019 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 01/08/2020 1. If the answer to all or any part of an interrogatory is not presently known or available, include a statement to that effect and furnish any information currently known or available and a description of the source of information that was once known or available which could have been used to respond to the interrogatory. 2. You are requested to produce the documents in the manner in which they are regularly maintained. 3. If an Interrogatory or a Request to Produce is objected to, the reason for the objection must be stated with specificity in lieu of the answer or document. If any part of an Interrogatory or Request to Produce is objected to, any unobjectionable portion must be answered or produced. 4. If you contend that any response or document called for by this demand is subject to any privilege (such as attorney/client) or protection (such as attorney work-product) and you intend to assert such privilege or protection, you are required to set forth a sufficient factual basis to establish that such privilege or protection is applicable to the response or document. With respect to a response or document that is being withheld the following information shall be provided: For Documents: (i) the type of document; (ii) the general subject matter of the document; (iii) the date of the docu1nent; and (iv) such other information as is sufficient to identify the document fora subpoena duces tecum, including, where appropriate, the author of the document, the addressee of the document, and where not apparent, the relationship of the author and addressee to each other, and the name(s) and address(es) of each person who viewed or has or has had custody of the document or of any copies of the document. For oral communications: (i) the name of the person making the communication and the names of persons present when the communication was 1nade and, where not apparent, the relationship of the persons present to the person taking the communication; (ii) the date and place of the communication; and (iii) the general subject matter of the communication. If you fail to set forth a sufficient factual basis for assertion of any claim of privilege or protection, then any arguable claim or privilege or protection shall be waived. Compliance with the above instructions is not to be construed as an admission by defendant(s) that such privilege or protection is valid, and defendant(s) reserve(s) the right to challenge any purported claim of privilege or protection. 5. If any document herein requested was, but no longer is, in the possession, custody, or control of the plaintiff or has been lost or destroyed, plaintiff is requested to submit in lieu of each such document a written statement which: (i) describes the nature of the document; (ii) identifies the person who prepared or authorized the document and, if applicable, the person to whom the document was sent; (iii) specifies the date on which the document was prepared or transmitted; and (iv) specifies, if possible, what has happened to the document and where it or any copies of it may be located, or if the document was lost or destroyed, the date on which the document was lost or destroyed, and, if destroyed, the conditions of and the reasons for such destruction and the persons requesting and performing the destruction. INTERROGATORIES AND REQUESTS FOR PRODUCTION 2 of 16 FILED: ROCKLAND COUNTY CLERK 01/08/2020 06:10 PM INDEX NO. 037259/2019 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 01/08/2020 Defendant request that plaintiff respond to the following interrogatories and requests for production. Interrogatory No. 1. Describe each communication between plaintiff, plaintiff’s attorneys and the defendant regarding the account. Include in plaintiff’s description the identity of the parties to the communication, the date of the communication, and the substance of the communication. Request for Production No. 1. Please produce all communications between plaintiff, plaintiff’s agents (including collection agencies hired by plaintiff), plaintiff’s attorneys and the defendant regarding the account. Request for Production No.2. Please produce all notes of communications between plaintiff, plaintiff’s attorneys and the defendant regarding the account. Request for Production No. 3. Please produce all recordings of communications between plaintiff, plaintiff’s attorneys and the defendant regarding the account. Interrogatory No. 2. If plaintiff contends the defendant is/are liable to plaintiff on a sworn account, open account, account stated, or quantum meruit theory, describe each transaction in which plaintiff provided Goods or Services to the defendant. Include in plaintiffs description the date of the transaction and an identification of the Goods or Services provided as well as whether the defendant objected or disputed the transaction. Request for Production No. 4. If plaintiff contends the defendant is liable to plaintiff on an open account, sworn account, account stated, or quantum meruit theory, please produce all documents, such as orders, invoices, receipts, or statements, evidencing each transaction in which plaintiff provided Goods or Services to the defendant in addition to all objections and disputes to said transactions. Interrogatory No. 3. If plaintiff contends the defendant acknowledged any amount alleged to be due on the account, describe the m anner in which the defendant made such acknowledgement. Include in plaintiff’s description the date of the acknowledgement, the amount acknowledged to be due, and the manner in which the acknowledgement was made. Request for Production No. 5. If plaintiff contends the defendant acknowledged any amount alleged to be due on the account, please produce all documents evidencing that acknowledgment or setting forth t h e date of the acknowledgement or the amount acknowledged. Interrogatory No. 4. If plaintiff entered into an agreement with the defendant regarding the account at issue in this lawsuit, state the date of the agreement, identify the parties to the agreement, and set forth the terms of the agreement. 3 of 16 FILED: ROCKLAND COUNTY CLERK 01/08/2020 06:10 PM INDEX NO. 037259/2019 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 01/08/2020 Request for Production No. 6. Please produce the solicitation that invited the defendant to submit an application as well as the completed account application. If the application was online or by telephone, please produce all records memorializing said online or telephonic application. Request for Production No. 7. Please produce the initial account agreement. Request for Production No. 8. Please produce every amendment to the account agreement. Request for Production No.9. Please produce every notice of a change in any term of the account, including but not limited to a change in the rate of interest or amount of any fee applicable to the account Request for Production No. 10. Please produce every schedule of interest rates or fees applicable to the account. Request for Production No. 11. Please produce every settlement agreement, payment plan or other similar agreement between the defendant and plaintiff, their attorneys or any debt collector handling the account including after the account went into default. Interrogatory No. 5. For each agreement plaintiff contends was offered to and accepted by the defendant, including but not limited to the original account agreement, any amendment to the agreement, any notice of a change in any term of the agreement, or any schedule of interest rates or fees applicable to the account, explain how the agreement was offered to and accepted by the defendant. Request for Production No. 12. For each agreement, amendment to an agreement or notice of change to the terms of the account plaintiff contends was offered to and accepted by the defendant, please produce every document that evidences such offer or acceptance. Interrogatory No. 6. Explain how each document containing the terms of any agreement for the account or reflecting any amount due on the account was delivered to the defendant, including but not limited to: the original account agreement, any amendment to the agreement, any notice of a change in a term of the agreement, any schedule of interest rates or fees applicable to the account, and any statement of payments, charges, fees or interest for the account. Include in plaintiffs explanation the date the document was delivered and a description of the manner in which it was delivered, including, if the document was delivered by the Postal Service or other courier, the location to which it was addressed and whether the document was returned undelivered. Request for Production No. 13. For each document listed below that was delivered to the defendant, please produce all documents indicating the date the document was 4 of 16 FILED: ROCKLAND COUNTY CLERK 01/08/2020 06:10 PM INDEX NO. 037259/2019 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 01/08/2020 delivered and the manner in which it was delivered, including, if the document was delivered by the Postal Service or other courier, the location to which it was addressed and whether the document was returned undelivered: a. The original account agreement for the account. b. Any amendment to the agreement for the account. c. Any notice of a change in any term of the account, including but not limited to a change in the rate of interest or amount of any fee applicable to the account. d. Any schedule of interest rates or fees applicable to the account e. Any statement of payments, charges, fees or interest for the account. Interrogatory No.7. For each instance in which ownership of any rights in this account was assigned, starting with the original assignment by the originator of the account, describe the assignment. In your description of the assignment, include the date of the assignment, identification of the parties to the assignment agreement, and a summary of the terms of the assignment agreement. Include whether each assignment warranted or guaranteed the accuracy and legitimacy of the assigned account information. Interrogatory No. 8. For each instance in which ownership of any rights in this account was assigned, starting with the original assignment by the originator of the account, state the consideration supporting the assignment agreement. Interrogatory No. 9. If ownership of this account or of any rights in this account was ever assigned in connection with a Securitization arrangement, describe the assignment by stating the date the assignment occurred and identifying the parties to the assignment. Request for Production No. 14. Please produce a complete copy of the agreements that constitute the chain of title for the account starting with the agreement between the originator of the account and its assignee and including each agreement between an assignee of the account and another assignee of the account and/or you. This is a request for the entire agreement, not just a bill of sale or exhibit to an agreement, and includes master agreements whose terms relate in any way to or are incorporated by an agreement or bill of sale transferring rights to the account. In order to protect the privacy of other debtors whose accounts may be included in such agreements, you may redact or otherwise omit information identifying any debtor other than the defendant. Interrogatory No. 10: Provide the name of any person employed by Plaintiff and/or Plaintiffs assignor, who possesses knowledge of any alleged account assignment which is the subject matter of this lawsuit, and who may provide oral or written testimony regarding this lawsuit, including in affidavit form. Provide said person's employment status and contact information. Request for Production No. 15. Regarding any person identified in your response to Interrogatory No. 10, please produce any existing affidavits sworn to by said person. Please be aware that you have an ongoing duty to provide a supplemental response to this request for production if such affidavit becomes available at a later date. 5 of 16 FILED: ROCKLAND COUNTY CLERK 01/08/2020 06:10 PM INDEX NO. 037259/2019 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 01/08/2020 Request for Production No. 16. Please produce all documents indicating the consideration you paid to obtain your rights in the subject account. Request for Production No. 17. Please produce all documents indicating or describing the scope or extent of the rights you own in the account. Request for Production No. 18. Please produce all documents indicating or describing the scope or extent of the rights that anyone other than you owns in the account. Request for Production No. 19. Please produce all documents indicating or describing any obligation by you to pay money collected on the account to another entity, other than a contingency fee agreement with the attorney representing you in this lawsuit. Request for Production No. 20. Please produce all documents describing the warranty or guarantee of the accuracy and legitimacy of the assigned account information, or in the alternative all documents describing the absence of any warranty or guarantee of the accuracy and legitimacy of the assigned account information. Request for Production No. 21. Please produce a complete copy of any agreement assigning ownership of this account or any rights in this account in connection with a Securitization transaction, including but not limited to any receivables purchasing agreements, receivables contribution or sale agreements, pooling agreements, servicing agreements, trust agreements, delegation of servicing agreements or other similar agreements to or from a trust, pool, or other similar entity, as well as any amendments, supplements and exhibits to such agreements. In order to protect the privacy of other debtors whose accounts may be included in such agreements, you may redact or otherwise omit information identifying any debtor other Interrogatory No. 11. For each document plaintiff has produced that plaintiff contends applies to the account and that does not contain the defendant's identifying information, such as the defendant's name, social security number, account number(s), or signature(s), explain how plaintiff know the document applies to the account. Interrogatory No. 12. For each document plaintiff has produced that plaintiff contends applies to the account that does not contain the defendant’s identifying information, such as the defendant’s name, social security number, account number(s), or signature(s), and that was created by someone other than plaintiff, identify the source of the document by stating the date plaintiff obtained the document and identifying the person from whom plaintiff obtained the document. Request for Production No. 22. For each document plaintiff has produced that plaintiff contend applies to the account and that does not contain so1ne piece of the defendant’s identifying information, such as the defendant's name(s), social security number(s), account number(s), or signature(s), please produce every document containing information from which it may be determined whether the document applies to the account. 6 of 16 FILED: ROCKLAND COUNTY CLERK 01/08/2020 06:10 PM INDEX NO. 037259/2019 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 01/08/2020 Interrogatory No. 13. Identify each interest rate plaintiff contends was applicable to this account by stating the interest rate, the time period during which itapplied to this account, and the category of transactions, such as purchases, cash advances, special offers or other classes of transactions to which it applied and explain why the rate was applicable to the account as plaintiff contends. Request for Production No. 23. For each interest rate plaintiff contends was applicable to this account, please produce every document containing information from which it may be determined whether the interest rate applied to the account. Interrogatory No. 14. For every account transaction, including but not limited to cash advances, fees, interest, payments, credits, and adjustments, from the inception of the account to the present date, state the date of the transaction, the amount of the transaction, and the description of the transaction that appeared on the account statement. Request for Production No. 24. For every account transaction, including but not limited to cash advances, fees, interest, payments, credits, and adjustments, from the inception of the account to the present date, please produce documents evidencing the date of the transaction, the amount of the transaction, and the description of the transaction that appeared on the account statement. Request for Production No. 25. Please produce every statement of payments, charges, fees or interest for the account that was delivered to the Defendant. Interrogatory No. 15. Describe any dispute relating to the account made by the defendant or any other person allegedly obligated on the account at any time since the inception of the account. Include in plaintiff’s description the date the dispute was received, a summary of the dispute, and a summary of the outcome of the dispute. Request for Production No. 26. Please produce all documents relating to any dispute relating to the account made by the defendant or any other person allegedly obligated on the account at any time since the inception of the account. Include in plaintiff’s description the date the dispute was received, a summary of the dispute, and a summary of the outcome of the dispute. Interrogatory No. 16. For each task performed by plaintiff's attorney or a non-attorney assisting plaintiff's attorney in connection with the prosecution of this case for which plaintiff is seeking compensation, describe the task, state the date the task was performed, state the time it took to perform the task, and state the hourly rate that plaintiff intends to seek for the task. Request for Production No. 27. If plaintiff is seeking compensation for attorney's fees in this case, please produce records of each task performed by plaintiff’s attorney or a non-attorney assisting plaintiffs’ attorney in connection with the prosecution of this case, other than tasks for which plaintiff is not seeking compensation. 7 of 16 FILED: ROCKLAND COUNTY CLERK 01/08/2020 06:10 PM INDEX NO. 037259/2019 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 01/08/2020 Request for Production No. 28. Please produce all bills received from plaintiff’s attorney for work performed in this case. Request for Production No. 29. Please produce all records of costs or expenses actually incurred in connection with this case. Request for Production No. 30. Please produce plaintiff’s fee agreement with plaintiff’s attorney. Interrogatory No. 17. State the date on which the defendant allegedly went into default on the account. Interrogatory No. 18. State the date on which the defendant last allegedly received funds from the account. Interrogatory No. 20. State the amount that the plaintiff claims was allegedly due on the date after any supposed final payment to plaintiff. Interrogatory No. 21. State the amount that the plaintiff claims was allegedly due on the date after Defendant(s) allegedly went into default. Interrogatory No. 22. State the amount that the plaintiff claims was allegedly due when the plaintiff classified the Defendant’s supposed account as "charged off” and/or ''uncollectable''. Interrogatory No. 23. State the date the plaintiff classified Defendant’s supposed account as "charged off” and/or "uncollectable". Request for Production No. 31. Please produce all documents evidencing the amount that the plaintiff claims was allegedly due on the date after the last alleged payment made to plaintiff. Request for Production No. 32. Please produce all documents evidencing t he amount that the plaintiff claims was allegedly due on the date after Defendant allegedly went into default. Request for Production No. 33. Please produce all documents evidencing the amount that the plaintiff claims was allegedly due when the plaintiff classified Defendant's supposed account as "charged off' and/or 'uncollectable". Request for Production No. 34. Please produce all documents evidencing the date the plaintiff classified Defendant's supposed account as “charged off” and/or “uncollectable”. Request for Production No. 35. Please produce all documents evidencing the date the defendant(s) allegedly last went into default on the account. 8 of 16 FILED: ROCKLAND COUNTY CLERK 01/08/2020 06:10 PM INDEX NO. 037259/2019 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 01/08/2020 Request for Production No. 36. Please produce all documents evidencing the date the defendant(s) last allegedly received funds or allegedly made a payment on the account. Interrogatory No. 24. If any document plaintiff were asked to identify in any interrogatory or to produce in any request for production propounded in this case is not in plaintiffs possession, custody or control, identify each person who has possession, custody or control of the document. Interrogatory No. 25. If any document plaintiff were asked to identify in an interrogatory or to produce in any request for production propounded in this case is lost, destroyed or otherwise unavailable, explain what happened to the document. Include in plaintiff’s explanation the identity of the person who last had possession, custody or control of the document and the date the document was lost, destroyed or otherwise became unavailable. Request for Production No. 37. Please produce all demands for payment of the account made by plaintiff or plaintiff’s attorneys. Request for Production No. 38. If you identified any document in response to one of the defendant’s interrogatories propounded in this case, please produce that document. Request for Production No. 39. Please produce all documents or other tangible items you intend to introduce at the trial of this case. Interrogatory No. 26. For any and all affidavits and/or affirmations, signed by anyone other than the attorney of record provided in support of their responses or otherwise to the herein requested discovery; For the person(s) who searched for, produced or provided any and/or all documents or otherwise to the herein requested demand for production of documents; and for the person(s) who deliberated on, were questioned about and/or provided the reply, responses or answers to the request for admissions, provide the following: a. The person's full name b. Connection or relationship to Plaintiff and/or assigns c. Mailing address d. Telephone number e. Name of employer f. Position and/or title with said employer g. Job description and responsibilities of employment h. Connection or relationship of employer to Plaintiff and/or assigns i. Address of the employer J. Telephone number of employer Interrogatory No. 27. For any and all affidavits and/or affirmations, signed by anyone other than the attorney of record, you intend to use in support of any future motions including but not limited to motions for summary judgment provide the following for the individual(s): 9 of 16 FILED: ROCKLAND COUNTY CLERK 01/08/2020 06:10 PM INDEX NO. 037259/2019 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 01/08/2020 a. The person's full name b. Connection or relationship to Plaintiff and/or assigns c. Mailing address d. Telephone number e. Name of employer f. Position and/or title with said employer g. Job description and responsibilities of employment h. Connection or relationship of employer to Plaintiff and/or assigns i. Address of the employer J. Telephone number of employer Interrogatory No. 28. For any document control officer, custodian of records or any person who has access to any records related to the account and knows of the policies and procedures of Plaintiff provide the following: a. The person's full name b. Connection or relationship to Plaintiff and/or assigns c. Mailing address d. Telephone number e. Name of employer f. Position and/or title with said employer g. Job description and responsibilities of employment h. Connection or relationship of employer to Plaintiff and/or assigns i. Address of the employer J. Telephone number of employer Interrogatory No. 29. For any documents provided by Plaintiff as responses or otherwise to the herein requested discovery, provide the following for the individual(s) who provided said documents: a. The person's full name b. Connection or relationship to Plaintiff and/or assigns c. Mailing address d. Telephone number e. Name of employer f. Position and/or title with said employer g. Job description and responsibilities of employment h. Connection or relationship of employer to Plaintiff and/or assigns i. Address of the employer J. Telephone number of employer Interrogatory No. 30. State whether notice of the assignment of this debt to Plaintiff was provided to Defendant. If yes, set forth the date, time, and method of providing said notice. If notice was given orally, set forth a summary of what was said to Defendant. 10 of 16 FILED: ROCKLAND COUNTY CLERK 01/08/2020 06:10 PM INDEX NO. 037259/2019 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 01/08/2020 Request for Production No. 40. Please produce all notices of assignment that was provided to defendant on the subject account. Interrogatory No. 31. State whether any demand(s) for payment was/were made prior to the filing of this complaint. If yes, set forth the date, time, and method of said demand(s). If the demand(s) was/were oral, set forth a summary of what was said to Defendant. Request for Production No. 41. Please produce all demands that were provided to defendant on the subject account. Request for Production No. 42. Please produce a copy of the return of service in this matter in which you allege provided the court with jurisdiction over the defendant. Interrogatory No. 32. State all facts which support your cause of action in this lawsuit. Request for Production No. 43. Please produce a copy of all documents which supports your cause of action in this matter. Request for Production No. 44. Please produce all documents showing which state’s law governs the contract on the subject account. Request for Production No. 45. Please produce all documents showing when the statute of limitations started running on the subject account. Interrogatory No. 33. State all facts which justify the reason why you waited so long to file the subject lawsuit. Request for Production No. 46. Please produce all documents allowing the Plaintiff to send account statements electronically. Request for Production No. 47. Please produce a copy of all phone recordings on the subject account, both before charge off and after charge off. Request for Production No. 48. Please produce a copy of all notes on the account made by telephone operators / representatives as a result of phone conversations with the defendant or any other person regarding the subject account. Request for Production No. 49. Please produce a copy of all documents, including but not limited to contracts, statements, receipts, etc., that were signed by the defendant. Request for Production No. 50. Please produce a copy of all payments on the subject account. Request for Production No. 51. Please produce a copy of the payment history or summary on the subject account. 11 of 16 FILED: ROCKLAND COUNTY CLERK 01/08/2020 06:10 PM INDEX NO. 037259/2019 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 01/08/2020 Request for Production No. 52. Please produce a copy of all charges made on the subject account, including charges made by the defendant as well as charges imposed by the plaintiff on the defendant. Interrogatory No. 34. State all facts which show that the Plaintiff attempted to mitigate its damages on the subject account, including the method the Plaintiff mitigated its damages. Request for Production No. 53. Please produce a copy of all documents which show that the Plaintiff attempted to mitigate its damages. Interrogatory No. 35. State all facts which prove that all the charges were authorized by the defendant. Request for Production No. 54. Please produce a copy of all documents showing that the charges on the subject account were authorized by the defendant. Request for Production No. 55. Please produce a copy of the account agreement which states the amount of interest that the account would open with. Request for Production No. 56. Please produce a copy of the account agreement signed by the Defendant. Request for Production No. 57. Please produce a copy of all notices that the Plaintiff gave the Defendant on the subject account. Request for Production No. 58. Please produce a copy of all disclosures provided to the Defendant that was required by federal law.