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  • New City Funding Corp. v. Najai L. LawsonOther Matters - Consumer Credit (Non-Card) Transaction document preview
  • New City Funding Corp. v. Najai L. LawsonOther Matters - Consumer Credit (Non-Card) Transaction document preview
  • New City Funding Corp. v. Najai L. LawsonOther Matters - Consumer Credit (Non-Card) Transaction document preview
  • New City Funding Corp. v. Najai L. LawsonOther Matters - Consumer Credit (Non-Card) Transaction document preview
  • New City Funding Corp. v. Najai L. LawsonOther Matters - Consumer Credit (Non-Card) Transaction document preview
  • New City Funding Corp. v. Najai L. LawsonOther Matters - Consumer Credit (Non-Card) Transaction document preview
  • New City Funding Corp. v. Najai L. LawsonOther Matters - Consumer Credit (Non-Card) Transaction document preview
  • New City Funding Corp. v. Najai L. LawsonOther Matters - Consumer Credit (Non-Card) Transaction document preview
						
                                

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FILED: MONROE COUNTY CLERK 07/02/2020 08:41 AM INDEX NO. E2020004281 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2020 MONROE COUNTY CLERK’S OFFICE THIS IS NOT A BILL. THIS IS YOUR RECEIPT. Receipt # 2427404 Book Page CIVIL Return To: No. Pages: 16 MARK H. STEIN 600 Bausch & Lomb Place Instrument: EFILING INDEX NUMBER Rochester, NY 14692 Control #: 202007020283 Index #: E2020004281 Date: 07/02/2020 New City Funding Corp. Time: 10:02:44 AM Lawson, Najai L. State Fee Index Number $165.00 County Fee Index Number $26.00 State Fee Cultural Education $14.25 State Fee Records $4.75 Employee: ARC Management Total Fees Paid: $210.00 State of New York MONROE COUNTY CLERK’S OFFICE WARNING – THIS SHEET CONSTITUTES THE CLERKS ENDORSEMENT, REQUIRED BY SECTION 317-a(5) & SECTION 319 OF THE REAL PROPERTY LAW OF THE STATE OF NEW YORK. DO NOT DETACH OR REMOVE. JAMIE ROMEO MONROE COUNTY CLERK 1 of 16 202007020283 07iG212020 10:02:44 AM CI 202007020283 INDEX NO. E2020004281 FILED: MONROE COUNTY CLERK 07/02/2020 08:41 AM NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2020 CONSUMER CREDIT TRANSACTION STATE OF NEW YORK SUPREME COURT COUNTY OF MONROE Index No. NEW CITY FUNDING CORP. Plaintiff designates Monroe 146 S. Liberty Drive Unit 1IB County as the place of trial. P.O. Box 121 Stony Point NY 10980 Plaintiff, SUMMONS vs. NAJAI L. LAWSON The basis of the venue is 378 Alphonse Street #2 Defendant's residence in Rochester NY 14621 Monroe County. The transaction took place in Monroe County. Defendant. __ To the Above-Named Defendant: YOU ARE HEREBY SUMMONED and required to answer the Complaint in this action and to serve a of your Answer* to the annexed complaint upon Plaintiffs at the copy attorney address stated below, within the time provided by law as noted below; upon your failure to appear or Answer, Judgment will be taken against you for the relief demanded in the Complaint, together with the costs of this action. 3° Dated: __ , 2020 Mark H. Stein, Esq. Lacy Katzen LLP Attorneys for Plaintry Legacy Tower, 600 Bausch & Lomb Place Mailing Address: P.O. Box 22878 Rochester, New York 14692-2878 Telephone: (585) 324-5775 (866) 250-2112 700000560 2 of 16 202007020283 07/02/2020 10:02:44 AM CI 202007020253 INDEX NO. E2020004281 FILED: MONROE COUNTY CLERK 07/02/2020 08:41 AM NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2020 Note: The law provides that: (1) ifthis Summons isserved by its delivery to you personally within the County of Monroe, you must answer within twenty (20) days after such service; or (2) ifthis Summons isserved by delivery to any person other than you personally, or is not personally delivered to you within the State of New York, you are allowed thirty (30) days after service is complete within which to Answer. * You need not physically go to the Court to serve an Answer. This cõmmunication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 3 of 16 202007020283 07/G2/2020 10:02:44 AM CI 202007020283 INDEX NO. E2020004281 FILED: MONROE COUNTY CLERK 07/02/2020 08:41 AM NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2020 STATE OF NEW YORK SUPREME COURT COUNTY OF MONROE NEW CITY FUND1NG CORP. Plaintiff, VERIFIED -vs- COMPLAINT NAJAI L. LAWSON Defendant. Plaintiff, coiliplaiiiing of Defendant by itsattorneys, Lacy Katzen LLP, alleges as follows: 1. Plaintiff is a domestic corporation with an office in Stony Point, Rockland County, State of New York. 2. Defendant is a resident of Rochester, Monroe County, State of New York. 3. On or about June 4, 2019, Plaintiff loaned Defendant the sum of $6256.00 as evidenced by a copy of the Retail Instalment Contract ("Agreement") annexed hereto as Exhibit "A". 4. Pursuant to the Agreeniciit, Defendant agreed to pay to Plaintiff the sum of $263.97 per month commcñcing on July 4, 2019, and monthly thereafter, applied firstto interest and then to the reduction of the principal. 5. Pursuant to the Agreement, Defendant granted to Plaintiff a security interest in a 2011 Chrysler 200 as security for all amounts owed by Defendant. 6. Defendant defaulted under the terms of the Agrcemcñt and Plaintiff repossessed Defendant vehicle. 7. Plaintiff thereafter provided Defendant with a Notice of Redemption, a true and accurate copy of which is annexed hereto as Exhibit "B". 8. Plaintiff sold the vehicle at auction. After crediting Defendant with the proceeds of 4 of 16 202007020283 07/02/2020 10:02:44 AM CI 202007020283 INDEX NO. E2020004281 FILED: MONROE COUNTY CLERK 07/02/2020 08:41 AM NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2020 the sale and debiting Defendant with the costs and expenses of the sale, there was a balance due and owing of $4418.04. 9. Plaintiff thereafter provided Defendant with a Notice of Deficiency showing an accounting of the sale with the allocation of fees and disbursements comprising the balance. "C" Annexed hereto as Exhibit is a true an accurate copy of same. 10. After giving credit to Defendant for allpayments made and credits received, there is now due and owing from Defendant to Plaintiff, on account thereof, the sum of $4411.24. 11. Pursuant to the Agreement, Defendant is liable to Plaintiff for expenses in collecting attorneys' the loan, including fees and costs. 12. On or about March 26, 2020, Plaintiff referred this account to Lacy Katzen LLP who is not an employee of the Plaintiff. 13. By reason thereof, there is an additional amount due and owing from Defendant to attorneys' Plaintiff as and for reasonable fees as deteññiñed by this court. WHEREFORE, Plaintiff demands judgment against Defendant for the sum of attorneys' $4411.24, and fees as awarded by the court, plus the costs and disbursements of this action. ΰ Dated: , 2020 Mark H. Stein, Esq. Lacy Katzen LLP Attorneys for Plaintiff Legacy Tower, 600 Bausch & Lomb Place Mailing Address: P.O. Box 22878 Rochester, New York 14692-2878 Telephone: (585) 324-5775 (866) 250-2112 5 of 16 20200702O283 O7102i2020 10:02:44 AM CI 202007020283 INDEX NO. E2020004281 FILED: MONROE COUNTY CLERK 07/02/2020 08:41 AM NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2020 VERIFICATION STATE OF NEW YORK COUNTY OF ROCKLAND I,Allison Mendoza, being duly sworn, depose and say: I am the Legal Collections Manager of New City Funding Corp., a domestic corporation and a party in the within action; I have read the foregoing complaint and know the contents thereof; and the same is true to my own knowledge, except as to the matters thereiñ stated to be alleged upon information and belief, and as to those matters I believe them to be true. I acknowledge that the attached redemption letter and deficiency letter are true and accurate copies of the original documents provided to the Defendant, and Plaintiff has complied with all applicable laws of the Uniform Commercial Code. This verification is made by me because the above party is a domestic corporation and I am the Legal Collections Manager thereof. The grounds of my belief as to all matters not stated upon my own knowledge are as follows: The Plaintiffs books and records i son Mendoza Sworn to before me on the day of , 2020 MARIAHL TRAWS - State of New York Notary Public NO. 01TR6373273 in Rockland County Qualified - - expires Apr 9, 2022 sy commission Notary Public 700000560 6 of 16 202007020283 07/02/2020 10:02:44 AM CIVIL 202007020283 INDEX NO. E2020004281 FILED: MONROE COUNTY CLERK 07/02/2020 08:41 AM NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2020 7 of 16 10:02:44 AM C1 zozouTuzuz o 07/02/2020 INDEX NO. E2020004281 FILED: 202007020283 MONROE COUNTY CLERK 07/02/2020 08:41 AM NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2020 NY-103-ARB 10M0/2015 RETAIL INSTALMENT CONTRACT SillerNamnandAdamu Buybr(4)HaóïòÞ)andAddrese[¾s)sunyeasy NGCFMRNAUTOSALES NAJR1L LMSUN gg, $3608 195 BOFFALO80At s7 41å EREGOPY n,, es/e4/2019 RCO:ESTER,NY ?.411 ROCHESTERNY 14G20 Thewitqininstmmentereseement- i*pledsadsec98ntsdfe Wal.Isfitripsonic,NA:Gopfner *Ah¾uccesserand·eseigns),ge agulforvattousertanc!sthstnudens. Dancemerdaldragmariesipposecàan Per ntatati Ftrian Ctpne Amôor4Finhiked TotahPä(munts YoblSalePdce ThucestoFyourcredifara.ýeerly· n tW Thadotlaramçunf TheanWtywwilllhpaid Thrmpoml·dauftpr5/dWIö TIMotal rse. mitwr. prircrryë@tùhalf: thenna#madist indedlE dmm s eapaýéisiifs, Páymbtpf .3 1 D.S-0S E09 2,453.01 24,W s U11. b M1 Paymentselñdcle.YafrpayrneqIWeddeik-. Ro,ofPaymaiW ArociuntefPayments 33 201W 07/04t201% NfB NfR securny:humgivngarasecuerinierestWthePopertypprchased, him10dayscifilsduette,Mv5be-degedalsfedegad5%elteenpsideneqtddepaymentdce. LateCharge.ife|grayponkmora)BymentlrmtpaW Psepaymem.Wyoupay·65thiscardiacroarly,ynirw@%thañrldparajepadp ConlntctProvMops.YoncaAsseme.Lemscitis·ConIrgettrgnyaddllfomal.WmnatbastGutnonpaymenLdefadanyteqúiredmpsymentbefore%eschedufeddelepand atmdsandpenshles. 2014 CHRYSLER 200 4D 4 SEFi 0use Goe-n ñë¾õ¼ii f Ef h§Á aggreetopsyanyaddenefamounescaangmhetermsaraconstrans ca•a orthis opplytolhocashsalePrice,anorbefore1he DoanPaymentYoü.elsongrentopay conduronalDenvo Youafaithmak‡deferrWdownpayclemsps.sollefthlmyourPapneolSchmiglo. Irdected,yovagreetette-funswingagreerpentwearkg ¾reemd'spitorm h Yousylmyany fonowingyabadarypr9tecthmplansTF mgesconterspermeassignmentisacepted.Ifthee.ageanympAds uènotesqarred berseenthelennsortheAgreemereddeeContsfigntermsofthIssontracLwilapply. .YourdgnathbelowáialthádeedEeditugandd d 3puhaggrect (micLseleplaicof PricaefWhide, e andnsiewedoedpyci1heproducMlinocoverage,ordagelsgini 5 512- 2 e-02L formalianrjouliavadediifedañ(-auch trageweellered.. b. Serñarcontract,paidto· ·s.Cash 912 ., A Trage.inegimance NA * e. tass:Amountowing,pliidto0adudesmy N/R .L Nettadi$c(d-a;rfoegobve.-en(es$0bemendealer Tun 1heamountentnem) b. blan9facánferebats S· nt)n Coverage L Defereddownpageant $ Othervownpaymur(descdbe) NEA Tenn k. Dowliffaymentyigenej) L UnpahibulanceofCashPrics{ray m.Financedradeirtbalancofsseline-j) 5 . N/ 4 PWfoputireordals,inchairiggingreer s e. Ingorance poldroinsmance ) 5 cat, p, T.;SI in.tsu . q. Tc· s cca lid‰t$5 y, 1t;DOC. Hzig f5m Sy: . Dats y,. ,, NVW1 t'1WW L To H v. Te It/A °ª¹E . t¼stEièëâërilâñü&Mâhé tâ(hek'ã4GB 8 of 16 07/02/2020 10:02:44 AM C1 2020070202153 FILED: 202007020283 MONROE COUNTY CLERK 07/02/2020 08:41 AM INDEX NO. E2020004281 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2020 #· Wh" L Unpard'balmeeofCash'Ptee(ott | "'™ ,m.^FinancedIndeMbefuce'(seeime 5 n. Paldlpput$colkisls,indulllgglingfees M o. insmunce: pshbinarance.company(ies] 5 85. in..-.ST WAWL5 1 Te 5 N/R A T¢ .5 SI/A uT 5 iti äÈchittháino arribbilrage Panéloitibutanedrvourrlahlsifsigning To: 5 ofus ardtmdrety.ñw¼nuelve y rc s N spuies megemavvweederstana7heAmsatneaston 5 s Total0therCharg9slAmisPald(eiginrg mRpmzmifernswaralm|ed d9IImappessmWilimirWhesonf3Á all (mpaidFiiisoceCharges tb.Amonmhamb a) y 4255d a , BypinAcadtAsediani1teucontementyclugaderslaharagneta 16 It scortractificludwseigpace AdilvidenrovNorro womemWawrecedeW1 olivendispaWmers .. .. .. mwsawchmane.weta sousWesteeb1symendanbnipeam.r abiamesustmenyToremerage.weawtegwenlyn.anemenm. ThaAnnualPeicentage wMthe Rstemaybenegotia6fe '****" ** TheSellermayassigrrihisContrettandretainits S'eller. CndR1.h fightÍOreceiveapartoftheFihanceCharge, Msured .credKDisabilty EnlievAgreernantYocFandCUEardirmagle'emen4lrcoriiaingdh ifCated'Thent seigle o None .Pmmfun5 Term . named 05/04/2019 Wursipaturetelwmeareyonwant(aniy)Iheiiserenbicoiemige(stipotedaboå.ll By; Date 'Neois.ghecked yomhavedecFriedmirdovengeWe'ofteied. sjq .Dafa By:. 00B· .syi case DonotsigniNs UTICETDTig'BUVliR.( enient)efore yois·readitor1ritpontainsanyblankspace.(2)Ýocareentitled coa · toasampletely.fined1ncoliyöfthlitagreenent,(3)Giderte lawryouhavetheTighttopayoffthatraticatefulliumoviit . duetryóudosp,ycirmay,dependTngonthenaturréfthecredit· asypunfisreargileilidedie Piepiniirhuumance.‰essrtmaniheProperls service7Ngaige,einferd(ajptipayWi9)ítutpenillty,or(b}.pmfei etous.Thesorision hemnce5ugh·snyhour¾ncecompany. 8:credit.39.rvicacharge cerkinc}rGUmSf8BGeSQbtalDarabUtBuf emage;Ieduc6Igeranyreregagas (¶AccordimjTolawyouliavethegrNilegeefpuithssing-the .%youistfusaarse N nomacI!nugMep.winpay.S. thsurance'on-themototvehiclop@vtdedforinthiscontiactfrom airagent·orbrolterofyourownselection. ThhpremighisceEutats(asfollows: Os 5$5SS M oldese.coir-Iecows Bysigñlngbelovi yettagrealothetemir/ofthlsContract.tou .receivedacopyofthisContractaMbad.acfianceloreadand Os 5SSR DiwüciSe,,Comprehensive 5 reiddúrillrefóre ouslgnedit 5t/A OWRE' Daeaheundteñmneinwimanaicov.5 her I.Ishilityinsurancecoveragefortiodilylsguryandpropegy.d.amage clidsidfoottiersis,notinchidedlnthlsiContractonless·checited 0f' and dkated, Dale . le.Ininrastinsuiance.Yalmustprehesesfnpelplatestinsunnusampgrid distaWtransacGaWau'meypurchandtho·¤orngetromecorppopydryourclide, sy! gals seasonablraceplablemlfjcarhoylheconnagehnerheulfies,†ogñEpey 12‰00 & 33 EDnths /04/20M S 56. Payrnent.hpaniselogisyuslheprinciparasmanids deRunWcharpsWomhunpolanemammWn % ow.seadualiedenterecenlract memaimmy.Anarmanny,g grpeggs By am .ahdwedemandpayment,waYdWagetudtse(vlcedwsesenlhouripsidtidencehi MS Wperyeaskegiveloperibiscoigractamxângtchpayment ,scheddcandlatachargeprovisionsshownhmoTmuHer,eadingDisdagorg..16c sipmenisms. c ond.Ibeam-semparm agreimetanade.telneenlheSelferandAsskjnes.EundertWtermitimeksignm4ntWSitenectorcopage,1 TNsA'ssignmeopsredshdowsa. ever 96/1M/24,t9 PIg.·d/19 9 of 16 07/02/2020 10:02:44 AM Cl 20200702Uzr5 FILED: 202007020283 MONROE COUNTY CLERK 07/02/2020 08:41 AM INDEX NO. E2020004281 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2020 3:tdGa wiNegaitR±irloimulia3iscrtilratn±zikint gpi&al$snileLganided.U‰ ensmanurm½cMusitRMàWCcandd re;ñlyAgzerns%@LWzdehM35ilw!Way,FMG,NWWr,GU0013(wngd hp:v.eeneyfr.rid 'raktmdt or#4AlesWio51aw.SuhesirACAJ51 coaired..eager t'vnw!anaad GL!rltinny 7mh.|:543ss Te92641s 4mi1Vrfrfetk S$it" . dmeany reptitdidftic5cwsel‡e5on o:her . rdewowgdye asibrt nc cuchchrea!|249m$They MW m!;r.vak$titmmar©Cermg.W.ausumiac!c E÷ incargataMyWA.tts!ghshn'e¾ 5:NMdad$×mi?arem:yoncGen.T·thfwajysiNene scent ycannich$ owthtubsomoRot erplingfw!:sNvJc!sslammaiE:n nohiotp!¼r¥?Myedy:scEn Pathkodgarallrah NMn1% , 4t!4MJ!Ii$ggethue.unecim|p '885•• sd:wn m!ee nee-efPreprty.tcuopes:r,pracir.egiaF:cpsayf.vwaser.g.Westic t.6 most-emuNaceam.seerstr:ermemaysepelitruerictrsmst- °Y'11 w.e Drk.Wehi W.i nPrW#$*·ted!0L OSd-wfo :sa d cani e es es.seeno‡bsen.±endy.4ewdeemn mweene-pstj:weric«Iwimf& seegameoppermale .2gen'nexWm-M cuenenottsáeigsa.or.rmiciass:n.111e n mz.TheTsa!3siaman.tiMMMrHán®gWNunasmes r y phrWreederici:ñcad:Taas½Ehrt5ini$e..dT$$t c r rAmP..Ik:":dirz par!' 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