NO:
`
`L VNV Funding LLC
`vs.
`
`n Williams
`
`COUNT I:
`
`SUPERIOR COURT
`
`Judicial District of Fairfield (Bridgeport)
`
`AT Bridgeport
`
`June 06. 2024
`
`COMPLAINT
`
`1.
`
`Atall times relevant hereto, Plaintiff, LVNV FUNDING LLC, is a business
`
`located at c/o Resurgent Capital Services LP 55 Beattie Place, Suite 110 Greenville,SC
`
`29601. A copy of an affidavit from an employee of plaintiff is attached hereto and the
`
`most recent statement is attached to the affidavit.
`
`2.
`
`At all times relevant hereto, Defendant, JACQUELYN WILLIAMS, is an
`
`individual currently residing at 49 Whittier St Bridgeport, CT 06605.
`
`3.
`
`At all times relevant hereto, Plaintiff has been licensed to do business in the State
`
`of Connecticut.
`
`4.
`
`Pursuant to the Defendant's request, Plaintiff's assignor, WebBank, issued to the
`
`defendant a credit account X-XX-7198 in the Defendant's name. Plaintiffs assignor,
`
`WebBank, the original creditor, assigned its rights, title, interest, and ownership of
`
`Defendant's debt to Plaintiff.
`
`This is an attempt to collect a debt and any information obtained will be used for that purpose.
`This communication is from a debt collector.
`CT_0I03 File No 24-174154
`
`I llllll lllll llll llllll lllll 111111111111111 1111111111111
`
`

`

`5.
`
`As attested to by the Plaintiff in the annexed affidavit, Defendant has defaulted
`
`on this debt, and the last payment was made within the last six years.
`
`6.
`
`Upon use of the credit account, defendant became obligated to abide by all the
`
`terms and conditions of the Agreement, including, but not limited to the term in which
`
`Defendant promises to pay the Plaintiffs assignor.
`
`7.
`
`Despite demands to pay, Defendant has failed and/or neglected to pay the sum
`
`due according to the Agreement.
`
`8.
`
`At present, Defendant owes Plaintiff a balance of Five Thousand Fifty Eight
`
`dollars and 74 cents ($5,058.74), as set forth in the affidavit. In addition, Defendant
`
`owes the full amount of debt, costs and fees as authorized pursuant to the terms of the
`
`Agreement.
`
`This is an attempt to collect a debt and any information obtained will be used for that purpose.
`This communication is from a debt collector.
`CT_0I03 File No 24-174154
`
`I llllll lllll llll llllll lllll lllll lllll 111111111111111111
`
`

`

`COUNT 2:
`
`9.
`
`Plaintiff hereby repeats, re-alleges, and restates the allegations contained in
`
`paragraphs 1-4 of Count 1 as if more fully set forth below.
`
`10.
`
`Plaintiff's assignor, WebBank, sent accurate monthly statements to the
`
`defendants regarding the credit account.
`
`11.
`
`The monthly statements indicate Defendant's use of the credit account, payments
`
`made on the account from the Defendant, and that Defendant ceased making payments on
`
`the account.
`
`12.
`
`The monthly statements also verify that Plaintiffs assignor, WebBank,
`
`continued to send updated monthly statements to Defendant, which included an
`
`explanation of finance charges and late fees on the account due to account delinquency.
`
`This is an attempt to collect a debt and any information obtained will be used for that purpose.
`This communication is from a debt collector,
`CT_0I03 File No 24-174154
`
`I llllll lllll llll llllll lllll lllll 11111111111111111111111
`
`

`

`WHEREFORE, Plaintiff demands judgment against Defendant for:
`
`l. The principal sum of $5,058.74;
`
`2. Reasonable costs and court fees; and
`
`3. Such further relief as the Court deems just and proper.
`
`For Plaintiff, LVNV Funding LLC
`By Its Attorneys
`
`/ 2.
`
`a-s«
`Aaron Deacon 441489
`Firm Juris #438732
`Stillman Law Office
`30057 Orchard Lake Rd. Suite 200
`Farmington Hills, MI 48334
`(88 8) 286-5001
`(443) 588-0417 (fax)
`connecticut@stillmanlaw.com
`
`This is an attempt to collect a debt and any information obtained will be used for that purpose.
`This communication is from a debt collector.
`I llllll lllll llll llllll lllll 1111111111111111111111111111
`CT _0I03 File No 24-174154
`
`

`

`NO:
`
`L VNV Funding LLC
`vs.
`
`n Williams
`
`SUPERIOR COURT
`
`Judicial District of Fairfield (Bridgeport)
`
`AT Bridgeport
`
`June 06 2024
`
`NOTICE REGARDING FAIR DEBT COLLECTION PRACTICES ACT
`SUBSEQUENT COMMUNICATIONS
`
`Pursuant to the United States Code, Title 15, Section 1692, et seq., you are hereby
`
`notified that Counsel for the Plaintiff is attempting to collect the debt which is the subject of the
`
`within action and any information obtained will be used solely for that purpose.
`
`For Plaintiff, L VNV Funding LLC
`By Its Attorneys
`
`MN?
`
`Kevin M. Hughes 426648
`Aaron Deacon 441489
`Firm Juris #438732
`Stillman Law Office
`30057 Orchard Lake Rd. Suite 200
`Farmington Hills, MI 48334
`(888) 286-5001
`(443) 588-0417 (fax)
`connecticut@stillmanlaw.com
`
`This is an attempt to collect a debt and any information obtained will be used for that purpose.
`This communication is from a debt collector.
`CT_OIO4 File No 24-174154
`
`IIIII IMI III IAINI I/III III I/III III IIII I III
`
`

`

`NO:
`
`LVNV Funding LLC
`vs.
`Jacvuel n Williams
`
`SUPERIOR COURT
`
`Judicial District of Fairfield (Bridgeport)
`
`AT Bridgeport
`
`June 06 2024
`
`STATEMENT OF AMOUNT IN DEMAND
`
`The amount in demand is not greater than $15,000.00, exclusive of costs and interest.
`
`For Plaintiff, LVNV Funding LLC
`By Its Attorneys
`
`Kevin M. Hughes 426648
`Aaron Deacon 441489
`Firm Juris #438732
`Stillman Law Office
`30057 Orchard Lake Rd. Suite 200
`Farmington Hills, MI 48334
`(888) 286-5001
`(443) 588-0417 (fax)
`connecticut@stillmanlaw.com
`
`This is an attempt to collect a debt and any information obtained will be used for that purpose.
`This communication is from a debt collector.
`l llllll lllll llll llllll lllll lllll lllll 11111 lllll 11111111
`CT_0I05 File No 24-174154
`
`

`

`NO:
`
`LVNV Funding LLC
`vs .
`
`.lacguelyn Williams
`
`SUPERIOR COURT
`
`Judicial District or Fairfield (13ridgeporl)
`
`AT Bridgeport
`
`June 13. 2024
`
`MILITARY SERVICE AFFIDAVIT
`
`Defendant(s), JACQUELYN WILLIAMS are not known to he in active military duty. The facts
`supporting this statement are evidenced in the appended Certificate verifying Active Duty Status
`obtained from Department of Defense Manpower Data Center, Plaintiff used the Defendant's Social
`Security Number in accessing and obtaining this report.
`
`I recognize the Defense Manpower Data Center (DMDC) as an organization of the Department or
`Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS)
`database which is the official source of data on eligibility for military medical care and other eligibility
`systems.
`
`I hereby declare or affirm under the penalties of perjury that the facts and matters set forth in the
`a foregoing Affidavit are true and correct to the best of my knowledge, information, and belief.
`
`Date:
`
`06/13/2024
`
`Affiant - Satya Bassa
`
`Subscribed lo and sworn before me this
`Michigan
`
`13th day of June, 2tn the County of Oakland, State of
`
`Jonathon Young
`Notary Public, Slate of Michignn
`County of Oakland
`My Commission Expires; January 15, 2030
`Acting in the County of Oakland
`
`CT_OH9 MILITARY AFFIDAVIT Pile No 24-174154
`
`1111111111111111 llllll lllll 1111111111111111111111111111
`
`

`

`Department of Defense Manpower Data Center
`
`I !11n.11ll11 on 111 dim I.1 '0,'4 04 0!5Z2.1 AM
`
`ii<:AA l,!10
`
`Sta ti.l.!l Repnrt
`Pursuant to Servicemember.s CivB Rclic.f Act
`
`SSN:
`Birth Date:
`Last Na1110:
`First Name:
`MicJdle Name:
`Status As or:
`Certificate ID:
`
`WILLIAMS
`JACQUELYN
`
`Jun-13-2024
`04Y7O3I-IBFl<NNZGV
`
`Ori Atdlvu Duly 011 /ktlvu Duly Hlnh1R Clnh1
`BllllU5
`Active Duty End to
`]
`Ar:llvn IJ11ly t1rt tte
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`
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`NA
`
`r hln rnr1p,nm:11 rnfl~l[I lhn lm11vll'.ltJl'1lf'l' ."l('!IL'IJ tl1Jly &l11t1.1r. lumod Ofl !ho i\cith.lQ [July 31ut~Jr. Omo
`
`l\c:lhn:, l.:Jouly Simi lJ,o\o
`
`t#
`
`Loh Aollvu Duly W11Mr1 3itl't Day■ ur At1llvo fluly 81uluu Unlu
`I
`I
`I
`1ttue
`At:llvn IJ1.1!y I nvi Dnto
`I
`I
`I
`Nu
`i !1h1 1u11pu1mu 1ullncln .,...hurts lhu ll1~lvJthml lnll ncllYn L-f11ly nlnlLm wljlll" !'!r.7 tJnyw pror:urJrnu thr, I\Qll\l(j n,11y ::._1w11,11 1111111
`
`~--------------------
`Thn PvtornOOr or I lls/1 tor Uflll Wns No1!11od at n t'urnro Coll Up 10 Acnvo Oury on Ao1lvo Du1y Sml!Jti D111u
`I
`I
`I
`MIntu
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`I
`No
`I
`I
`Thlu 1Ut.pein:.1t ,ottur::111 Yl"•Jllulr Ind lr'KJh,ltlu{'II Ut hlill1i1t 11rtlt 11111'1 tUi.:1,!vud nml~ rmllll~t1liu11 (ri rnpmt fm 11r:l1vn c-hijy
`
`OrOu, Nfllill1.:ntlt11l t'illul l.Jrtlu
`
`-- ----------- -
`
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`NA
`
`t.:i.,,rvlcin COfflf..<ln'llnl
`t
`
`(Upon zonrchin the dnta banks ot tho Dopnrtmont ot Dotonso Manpowor Data Contor, basod on tho information tht you provided, the above is the ±status ol
`tho individual on the act+vo duly stutus date us to ll branchers ot the Uriforred 3orvices (/\rry, Nvy, Mnrino Corp±, Air Forco, pnco Forco, NO, Public
`I lonilh. ,;ind Con!.! GLmrd). Thir. !lln.11,1~ lric;111dn!. lnlnrmntlon on o Snrvlcomon1bor or 11la/!1or unit rocolvlno notlflcotton ot tu1U1'0 o,·dofc to r'6J)01'I to,· Aetivo Du1y.
`
`.5am- $3«
`
`Sntn YOLl8ul£0uuli, 1Jlr0c;l(H
`Dop~rl1T1CJn~ ot DolQn!in Mnnpowgr Do,tp Con\or
`4800 Mark Contor Dlivo. Suito O~E25
`\loxudri, VA 22350
`
`CT_tt!19Ml!!TARYAFFIII/\Vl'I F,it'Nn 2•!•17~15~
`
`1111111 1111111111111111111111111 IIIII 111111111111111111
`
`

`

`I ho 120tons0 Manpower D;tn Contor (D0MOC) i, an orqiztion ot tho Dopartmont ot Doten±o (Dot)) that mintins ttw Dotonro Enrollmont and Elqititity
`Hoprin ye5tom (DEEHS) databats which v tho otticinl sourco ot dnt on elitility tor military medical croe ant other oh@utility sytom,
`
`: nmandod) (CF) (tormorly known n±
`Tho DoD stronly nupport tho ontorcemont ot the Sorvicomombors Civil Foliot Act (0 UC App } 3901 et toq.
`lht'! So!dior~• nncl Sollors' Civil Rollo! /\ct ol I !140}. nMDC lln!i i!i-i.:.uod hundrort9 ot 111oua.011d.c ol "doc!.; not ponsona nny mlormtion indicting tht tl"\O
`individual is currently on nactivo duty" rosponsa±, and hr exporioncod orly a small error rte. In tho ovont tho individunl roferoncod above, or ry family
`rT1umbo1", frim,d, or topr@sontative at;sort in nny mnnnor that tho individunl wnan on nctlvo cluly !Cn' tho ur.tivo duty ttus dato. or is otherwiro nnllllod to Lila
`protnr.11nna vf lht1 SCRA, you nro B!ronoly oncourC1nt1d to obtnln f11rlhor vorifico.iicm ol Iha pcrnon'r. !ltntllS by co11lf1t..tif'lH tlH.11 porn.on'~ eor,,dca 51.JfviLiu c:a:mli.l□I
`lnlu1niutmn cmn tio lot..mr1 on W10 GCRA wob!;ito'!i FACJ Pfl.fJO (Q35) viu lliir.. URL: hllp!"",://ocrn dn1dc.ood.1r1ll/ccr.o/lt/fnrv·,
`It you !'lavo ovidurmu lhrJ pnri:;011
`w;..1!..1 nn nollvo duty fur lho ~otivo duty ntnll.Jl'l dato and you ran lo ob1nln thla acJdlUonol Survicu vcrirlcntlnn, runltlva ,:n·ovi!;;io,m of lho SCi-tA m.oy bo lnvokuLI
`C\!]Oi,•,a1 you. Soo !;;O USC App § 3El21{t.).
`
`T his roponse retlort; tho tollowmy information, (1) Thoe individual's Active Duty ±ttur on tho ctivo Duty 3tutus Dnto (2) Whothor the individual left Active
`Duty ±tutu:s within 367 days pr@coding tho /\c11vo CUIY StClLUt'i Du.le~ (:'.':IJ Whn1hc,r 010 individulll or hi/hr umt ratcoivod oatly not/cation to rnpor1 tor OCIIYO
`c1111y on 1110 /\ctivo D11ty ~tilllJ:J nalo
`
`More information on "Active Duty Status"
`Actlvo du,y ~lf.lllJ!i n~ rnportod In lllh:i. cei, llflt.a:110 ii.■ dnllnn(I In J:\CCDrdance Witt"! 10 USC § I 0'1 (0) ('I), Peto,· IU 2010 only ~iCHTIO nf lll8 BClive dul'y punad:; lr.:;!i
`tPm 30 conocutivo days in lenth waro available, I the case of a membor ot the National Guard, this inctudos sorvice under a call to active orvco
`authorized by the Pro+idont or 1110 Secreit:-u·y DI Dufu11i;n unnnr 32 USC§ 502(f) for purpo!;or; c;,f roapond!no 10 a 11;.1\lon.tl o,nnrooncy de:cf..1.,ErLI by 1/1u
`P-tur:.;1don1 nnn s:;u,pported l)Y Fuclur11I fund~. All Actlvo Guotd Aoe;orvc, (/GR) mombors must bo assianod aunt n aul/1orlzod 1Y1oblllz.;,11011 poolt101, In U10
`t•n!I !11oy auppo,1. Thi,; i11i:,h.11:io~ Navy TralnlrlD ond /\dmini,ilm!ion ol 1.110 R0BEJ(vo;; (TIIR,;), Mnrlno <:;orpa Acllvo Ru!.mvu (i\A,;) and Coos! G1JC1fd Ro,urvu
`Pr'O(.Jr,;.un Adminlo1rntor (Rf'A6i). /\c:1h10 Duty ~lnlH~ ,,100 applleo 10 CJ U(11for1nnd Snrvlco ,110111bor wl,o it. .uri ;.u;tlvn duly cornrnlBiElonod officer oi 1110 LJ.$.
`PuhllG Hoatt11 SorviCin or tho Nr.1llonRf Oconnic ancJ /\1m□t1phorlc Admlnls1rntlon (NO/\/\ Commir.!llonnd C:Qrpa).
`
`Coverage Under the SCRA is Broader In Sorne Cases
`Cnvorooo unUur tliu SCl=tA l:!i hronclor In aorno (;,t.u:.ui:; und lncludoo somo co.t011<ulut. ol pan,;;on!i on netivo duty to FJLlrpo!..o:.; of thtJ sc;11A wl1u wallld 1101 bu
`fuportud a~ on A~1,vo Duly undo,• 1'11Ll cortiticnta. SCCHA protoctions uf'o for Tltlo 1 tJ nnd IUl,) 14 aeOvu duty rocorcfo tor ll tho U1\lfonT1>ud Sorvioo~ pnrlocf3
`Tlllo ~2 r,orlodc of l\c.llvo DLIIY nm nnl r.ovorod by SCJ'IA, "" doflnod In OCCOl"danc;; wilh 10 USC!} I 01 ('1)(1)
`
`M,111y llmos orcle,s u,u u111u11dod to n-)(tonc.J !110 porlod or uc.Uvo duty, which would ox1onct SCPIA prolc1ction~. Porao11s £;(.luki11g 10 roly on tt1l3 wobo\lo
`co11lfic.atiu11 l1l1nuld nhnc:I< to 111rako suro tllu urdona on which CH protations ure bod have not bac,n Dfflt.1ridud ID o>nr.ncJ t110 lnch.JBIVet t.JaluZ:. nf 1:;orvlrm.
`Furthr,umgro, ::,orno protuctlon~ ol tho 3CHA my oxtond to persons who h.gvo rocalvod ordetc to r'uport for f'\Qtlvo cild'Y Of 10 bu l11duatr;id, b111 who hnvo not
`actually t,o~JLm uc:.tivo duty or o.c\uol/y rooo,tod for' l11dL101icn. iho Loot Qalo on At;livu Duly 011try I~ lmportan1 boeuut..c.J a nurnbor ol protocllono ut tho SCRA
`uXIU11cl boyond thn Inst dulOB uJ ttc.livu duly.
`
`Thou who could rnly on this cortilicuto uru urged lo ~onl( qvolHtod IUQal Gourn;ol lo onnurn ll"'lnt all rlt"Jlllu fJUi..Jrnnloc,d lo Snrvlcn rno111bOrt1 under tho SCRA
`m.rc prolnGtoct
`
`WARNING: Thio corllflc::Ho wu& provided bnnnd on o I0.81 n.omo, SSN/d.ito or t1Jrt11. oriel actlvo duty status dta provldod by 1110 r'OQuO!.lnr. Prnvlr;:Jh10
`orTQr111ous 1nro,"1allor, will r:imt!.n Rn orroriooua corllfiCf.ltu 10 bu provided,
`
`t' I _Ill I'! MILi l"ARY i\FFIIM VITI ill' Nt• 2~-17-115-1
`
`I llllll 111111111111111111111111111111 IIIII 1111111111111
`
`

`

`24-174154 79238776~
`PLAINTIFF'S AFFIDAVIT OF 1NDEl3TEDNES~ AND OWNER.SlllP OF ACCOUNT
`
`I um m1 Authorized Representative for the current owner, L.VNV Funding LLC (hcrct1fier the "Pln1111i!l''), und hereby
`certify a~ fhllows;
`
`I. I have persom1l )lnQwlc:dgu J't;fttlrdinx l'lilinlifl'~ creation nnd mainle.1,ancc of iL~ norrn:il husiness records which inch1dt.:.-.
`the computer records of its accounts and corresponding receivables. This inf0nation is regularly und
`co1,ti=:inpr,rr,nco11sly mninwincd during the course of Plnin1ifrg bu!;i11c,ar,, I llm pcn;onnlly fnmiliar wilh 1hc Ja111
`maintained in Plaintiff computer system that was entered t time of purchase for which I relied upon in nttesting to
`1hi:; f1ffi<l11vit. l rm\ fornilinr with snkl computer sysh,1n and kt111w Ii lu he rclinble
`
`2. In the regulur courlio of business, T'lni.nlif-f acquires rcvolvina ,;.redh uceo1mt~, instul.lmcnl necount~, service .ic,;Ounti;
`nnd/or other Cl'cdil Jines or obUiUlt10u~. The 1-ccords provided to Pl:iintiff in con11i.,ctioll wilh such ncqui!lilion~ nre
`rcrrn~<mlCtl lo mcludc 11ccurnt.c informulion provided by 1hi: originnl cr,.-<litur tmtltor subRcqucnt ~•Wncn;, und Um\
`iuformntio11 i;i rcliilbly lnco,porntcd h11u Plnintifl's bUHiness records. Such infomation includes the dcbtot"a nnmi.: anti
`~ocj,,) soc,,rity number, the nccounl belnnce, the j,;itmtlty oft-h<: uriulnul ,;rcdilor 1md the account mHnl,ct,
`
`3. Dnscd on the business records m11.intnincd on nccornu XXX7 l 98 nnd illi conesponding rcceivnblc~ (lmrninu.flcr lhe
`''Account"), whlch arn n co1t1pUlllion of the infonnation provided upon acquisition nl infonnulion oht11i11t.:,I ~111<:11
`,,...,quisition, the Account was origiruited on 07/1 S/2021 by WcbBtink and represents a valid oblipation of locquclyn
`Willinm;i.
`
`4. Plaintiff is the cunent owner of tbc Account. PwintifJ's huaiooss rcco1ds i,1,lk:i1lc that subsequent to the Accounts
`nrii•,l11.1tion other owm:n; of the: Accoillll included=
`
`vant Loans f!'unctlno Untl!lltyll'ti) Trull! 2021•Rla:V1
`ko&lJr90nt Acqulslltons LLC
`
`5. On 01/26/202.4 all ownership rights in ihc,, Ai:;i:;ouni- were nssignccl lo, tr:m~fi:1,~d 10 r111d hccmnc vc-stcd in Plnl,1tlff,
`includl!'ly 1hc:i dghL 10 collect the current balance owing of $5,058.74 plus nny lcgnlly pcrmis5ibl.; im~ti,,:il,
`
`6. To 1he b~~t ofn\y km,wleJgc und belief, Uie Dcfcndn,11 Lq not u tninor or mentnlly incompetent ()ill'!<011,
`
`7. 1used on the business records maintained in regard to the Account, the nbove-stated amount is justly d duly owed
`by lhc DcfendDnt to the Plaintiff nm! 111l Jusi und lnwii.11 ofTsets, p11y111cnts 1111d credit~ 10 the Account have, bcc11
`r,U;n,•e<l. DcnmmJ for pnymcnl was made more than thirty dnays ugo,
`
`1 uffirm under potrnlty or PCJ:Jury that the ubuvr., foe ts nrc tnlc and c.01:Tce1 to 1he best of m;v .knowledge hnsed on the
`Plaintiff's business records.
`
`The fDregoing ,.mdavlt ",111,; sigu,;:d lo un<l Hubscribcd befbt<..
`024
`In
`
`~ Joel Humilton
`04/17/2024
`
`STACIE JONES
`NOl41y Publlc•S!Ot<I ul South Carolina
`My Commission Expires
`Sspteml}IH 22, 2033
`
`/12911
`
`CT UH19MILITARY AFFIDAVIT File No 24-17415.4
`
`1111111111111111 llllll 111111111111111 ll1111111111111111
`
`

`

`Loan Agreement and Promissory Note
`SE'.CTION 20 OF THIS LOAN AGREEMENT AND PROMISSORY NOTE IS AN
`ARBITRATION PROVISION. IN THE EVENT OF A DISPUTE, THE: ARBITRATION
`PROVISION WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS,
`INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION.
`Date of u, 'uy 13, 2021
`Loan No-ER7 198
`
`Lender/Creditor:
`WebBank
`cJo Avunt
`222 N. LaSalle S1., Suit6 1700
`Chicago, IL 60601
`
`Borrower:
`Jacquelyn Williams
`49 Whittier st,
`6RIDGEPORT, CT 06605
`
`FEDERAL TRUTH IN LENDING ACT ("TILA") DISCLOSURES
`
`ANNUAL PERCENTAGE RATE
`The cost of your credit as a yearly rate.
`20.95%
`FINANCE CHARGE
`The dollar amount the credl1 will cost you,
`$3638.60
`Amount Financed
`The amount of credit provided to you or on your bi,t1iilf
`$7500.00
`Total of Payments
`TM arnount you will have paid after you have made all payments as scl\Odulod
`$11138.60
`
`Paymont Schedule: You must make 47 monthly payments of $232.04, with tfio firsl piJym1mt due on Sunday, August 15, 2021, and each
`subsequent paymenl due on the same day of each monlll tlioroaltor, and a final payment of $232.72 plus any unpaid fees, chargos, and
`interest due on Tuesday, July 15, 2025.
`
`Security: Yovr Payment Authorization as set forth In Soctiuri J(b) or Ihm Nola secures repayment.
`
`Lote Fee: If a payment is not paid In full within 10 days after its due date, you will ba charged a $25.00 Late Pee,
`
`CT_0H9 MILITARY AFFIDAVIT File No 24.174154
`
`I 1111111111111111111111111111111 IIIII 111111111111111111
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`Propilym ont; If you pay off early, either in full or partially, you w,11 nol navo to pay a pena lty an d you will not be enlilled to a ref,md of pAr l of
`1he fin:;ince chorgo.
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`Sea the rem ainder of this Note for any ridd1tior1al 1nfonnution aboul nonpayment, defaull, end any req uired repaym ent in full beforn U10
`scheduled date, and prepayment refunds and penallte!l,
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`Itemization of Amount Financed
`The Arnounl Fin□ncocJ of $7500.00 is calculated as follows:
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`less
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`$.QJill..A(lmlnlstr1.1tlor) Foo ,otau1ucJ by WubBunk
`equals
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`$7500.00 Amount Financed
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`SI5Q0.Q0_ot Amount Financed is given to you directly
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`
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`$Q_ Q0_of mount Financed Is paid with respect to your existing loan serviced by Avant (Existing Payoff mount)
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`ADDITIONAL PROVISIONS
`1- Parties, Statui, of Application; Further Steps Before Approval and Funding of Loan,
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`WebBank, an FDIC-insured, state chartered industrial bank headquartered in Salt Lake City, Utah, identified above as t.e11der/Creditor
`("WebBank') ,s tho iondor of \his loan ("Loan"). In this Loan Agreement and Prom,ssory Note ("Noto· or "Agrnamant·). the words •you." "your"
`and "Borrower(s)" mean the Borrower(s) identified above. The words "we," "us, and "our mean WebBank, and after consummation any person
`who obtains Web~ank's tights in this Note. We have not yet committed to make the Loan We will only bo committed to make the Loan if and
`when we initiate, in Utah, a trensfer of funds from our offices Hi Uluh to lho bank account you identify for this purpose in the process of upplyir1g
`for tho Loar, or in c:onnE1ction with the Existing Payoff Amount referencel'.l obovu to t1nolhor account on your behalf. Any of 011r rights. actions,
`privileges or obligations which aro pormtuud or rnquirod lo be detenmlned or pertormed hereunder may bo determined or performed by our
`service provider and such determinations or actions shall have the same effect as ii taken by us.
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`2. Proml&o to Pay; Interest..
`If all conditions to funding the Loan are met (see Section 1) and the Loan is funded: (a) $7500 00 of the Amount Financed will be deposited Into
`Your Benk Account as defined below and $0.00 of tho Amount Financed is paid with respect to your existing loan sorvlcod by Avant. LLC
`(Avant) and (b) you promise to pay to us (i) the Princlpal Loan Amount of $7500.00; (ii) simple interest, which accnJes dally on the outstanding
`prfnclpol Mlanco. from July 15, 2021 until the date the Loan is paid in full, at tho ct::111y filte 01 0 05731507%; and (iii) any arn;t all other amounts
`that become due and poyablo ulldor 1t,1s Noto (colloetively, tho "Debt").
`3. (a) Nate Payments: Appller;itlo11 of Payments.
`Por lhe Payment Schedule, this Note is payehla in 48 substantially oqual monthly installments, including (i) 47 payments of $232.04,
`commencing Sunday, Augui.l 15, 2021; and (ii) a single final payment of S:>.3?..72 0r1 Tuos<Jay, July 15, 2025 (lhe "Maturity Date"). On the
`Maturity Dale. you shall also be responsible for paying ony oulsltmding fues, charges, and 111terest. Payments wlll be duo 011 lt10 sorno duy of
`uvury month (such day of lhe month, or such other day of the month as you ,.md we i;tiall mutually agree in the future, being the "Monthly Due
`Onto"), You may choose to repay by either cf the options below In lhe Section 3(b) Payment Authorization es well as any other
`reasonable form of payment that wo pormlt including but not limited to paper check We Mve based lhO Payment Schedule on the
`essumplion the I you will pay FIii payments BR scheduled. If any paymont is scheduled on a date wa are not open for business, then you agreo to
`pay us on the next business day, and if such amount is paid on such next business day, we will credit such payment as if we received it on the
`applicable Monthly Due Date. Payments will be applied first to outstanding fees, if any, then to accrued interest, and then to prim;iµuL On the
`Moturity Date, any unpaid Debt will be payable in full. Unless modified by you and us. lhO final roquired payment wlll likely vary somewhat from
`prior required payments duu to, among other things, early payment1;1 or paying mom than sehedulcd, :ir1d Iulo payments. If your payment history
`causes the lnteresl owing lo bo loss thon lllu abovo Payment Schedule, we will adjust your final payoff payment to reflect such decrease. If your
`payment history causes the interest owing to be more than the above Payment Schedule or it any unpaid Debt remains after tho Maturity Date,
`then interest will continue to ucc,uo un tnu out:.hlncJuig principal balance al the daily rale set forth above in Section 2 of this Agreement unltl
`your obligations, including outstanding principal balance, are paid mn tull.
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`CI_0H19 MILHARY AFFIDAVIT Hile No 24-174154
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`1111111111111111111111111111111111111111111111111111111
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`3. (b) Paym ont Authorization.
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`The payme nt m etho d checked below is based on the payme nt me thod you selecte<;J during lhu opphculion proce ss. How ever, you m ay
`choose to repay by any other reasonable form or paym ent v,a1 wo porrnil, including but not limited to mailing a paper check. To make
`a p11y,m:ml via paper check, cashier's check, or money order, you can matt your payment lo: clo Avnnt, LLC, PO Box 9183380, Chicago, Illinois
`60691-3300, Ploaso nola lhat any payment sent via physical means will be effective the day it Is ruceived, however, II may take up to 3
`business days from the date the payment is received for t to be roflucied on your eccmmt. Please note IIHll post-dated checks are not an
`l.icCOptable payment method and may not be utfoclivo the day they ore received, If you wish lo change your payment method, you may contact
`us by communicating with Avant tit 800-712-5407 or supporl@a,mnt.co111. You undarsland thel we will process 11,e puyrnunts provided for under
`lhls Agroement by the method checked below, which gives you convenience end glvos us sllcurity that payments will be reco,vod or, limll,
`K Direct ACH Debit. By selecting the Direct ACl·I Debit option, you hereby authorize us to ,n,titilo .:in electronic debil to the bank account you
`elect for tnls purposo during Iha application process, or any subsilluto account you later specify, herolnaftur called "Your Bank Account." ill the
`depository financial institution you identify, hereinafter called "Depository." You authorize us to electronlcAliy dobil Your Bank Account in
`accordance with these provisions ror amounts owilig on or after each 11chedul,,d paymo,,t dalu in lhe Payment Schedule, or tor other amounts
`end dotes os providttd 111 the provisions below.
`Your Bank Account lnfonnetion. If thAre 1s 1my r'nissirig or erroneous information regarding Depository or Your Bank Account.
`then you authorl:r.o us to vonfy and correcl the information You promise thal the information that you prov1do to us relating to
`Your Bank Account corresponds to il logrlimale, open and active account of which you are an owner end that you havo the right
`lo iniliutu (and lo authorize us to ln!Uete) olocbonic debits fr□m Your Bank Account. You acknowledge that Your Benk Account
`also includes any btlnk account thal you may designate for paymonl m the future, end which wo confirm in writing wilh you.
`Dates and Amounts in tho Payment Schedule. You acknowledge that this authorization is an authorization to initiate an
`elactr□nic debit to Your Bank Account or, or altar each scheduled Monthly Due Date for so long as amounts are owing by you lo
`us under 11\ls Agreement. You authorii:e us lo initiate an electronic debit for any amount owing in connection with your final
`payment to the extent such amount is less than your monthly payment amount.
`Dates and Amount$ Post M11turlty Date, If. on the Maturity Date, any unpaid Debt remains and you do not lrrntrucl us lo debit
`u,o l"ull amount of your outstanding balanco 011 lho Maturity Date. then you AtJlllorizo us lo continue lo millate electronic dobits to
`Your Bank Account beyond the Maturity Date on or af1er the Monlllly Duo Dato in an amounl equal to the monthly poymant
`amount ($232.04) set forth in your Payment Schedule, or if less, the remaining balance, including tees, charges, and interest,
`until your nbllgahons lll'O pl.iid in full.
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`You 11uthorlzo uG lo lnltiale electronic debits to Your Bonk Account on or after each schedutod payment date. including Monthly
`Due Dates, for amounts duo under any modified pAymenl :<irrar19omont a:s set forth in the "Other Payment Arrangemenis"
`sectlon under IJ'tls Direct ACH Debit provision,
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`Tormini!tlon, You understand and acknowledge that you may terminate this autt,orization by notifying us via emell at
`support@avant. com or l>y moil to Avant, ATTN: Cnmpllance OcpmtrMnl, 222 N. LaSalle SI .. Suile 1700, Ctiicllgo. Illinois 60601
`at least three business days before you wish to terminate thus authorization or in such time as to afford us and Depository a
`roasonal:llo opportunity lo act on your reQ\,JOSI, If llri oloctromc debit is returned lo us, wo, or our service provider acting on our
`behalf, may terminate any future recurring electronic debits It this occurs. you will be responsible for making your payments by
`some olMr mottiOd acceptable lo us.
`Au1horlirntlot1 lo Vary Arnounlli, You understand that yOl• havu lho right lo receive written nouco if an electronic debit will vary
`from the amount authorized above. To exercise this right, you must send a written request to us via email at support@avant.com,
`or by mail ill 222 N. LaSalle St., Suite 1700, C11,ca90, 1111110,~ 60601. Unless you ei,:erclso 111,s right. you authorize us to very the
`emounl of any electronic dollit without nolice so long as such debit is no moro !hon the amount euthorizod tlbove.
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`Partial Prcpi.iymcnliJ. If you make 1;1ny pArhol propoyn1Gnts, then you authorize us to \/3t)" tM l'.miounl of the electronic debit as
`neoded to rsnect those p1;1riial prepayments y purtial payment must be rece,ved at loosl 3 business days prior to an eleclronlc
`aebll to ensure un electronic debit amount Is varied tu roflocl :;uch partial payment.
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`Addlllonel Amounts. You further auu1orizo us lo iniliale single electron,c aell,ts for Iha combined amount of :'.I monthly payment
`arid a Iulo lea Iha! comas due under this Note and separate electronic debits to Your Bank Account for any applicable amounts
`that coma duo ur1dar this Nole, including any Lale f"oo or Dishonored Payment Fee, on or aflor me dales they become due.
`lnstood or 01 in addition to any electronic debits doscnbed above, you authorize us to electronically debit Your Bank Account for
`any amount and on any date that you subsequently confirm by phone. text message or e-mAII.
`
`Other Payment Arrangements. If we agree, you may enter into a modified payment arrangement that may change certain terms
`of lhis Payment Autt,orlzalion II you and we agree to ch:rnge nny torrn~ of this Payment Authorization, including the dates or
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`CT_OH19MILITARY AFFIDAVIT Fe No 24-174154
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`I 111111111111111111111111111111111111111111111111111111
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`am ounts of scheduled monthly paym ents, all other provisions of this Paym ent Authorization not changed will rem ain In full for ce
`and effect Unless otherwise specified in the terms of your modified payment errangomont, ,r you fail to saltr;fy your obligations
`under any payment arrangement, you complete your obligations, or we terminate a payment arrangement, then you authorize us
`lo debit Your Bank Account on the datos and in the amounts set forth in your Payment Schedule, as it existed immediately prior
`lo Jhe modified payment 0rrangomont. ,n i;ecordimCo with lhlll Payment Aulhorizetion.
`Error Correction, In tho ovont we make an error in processing any electronic debit, you authonze us to initiate on electronic
`debil or credit to Your 8onk Account to corrccl t11c onor. If you b9liovo we have inilialed a payment in a manner not conternplaled
`by this authorization, then please contact Avant at B00-712-5407 or at 222 N. LaBelle St.. Suite 1700, Cl1ic090. lll!nois 60601.
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`Applicable Law. You acknowledge that the ongnation ot electronic debits from Your Bank Account must comply wth the
`provision:; of U.S. law.
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`Optional Eloctronlc Debit Authorization, YOU ARE:. NOT (AND WERE NOT) REQUIRED TO AGREE TO THIS ELECTRONIC
`DEBIT AUTHORIZATION TO ENTER INTO A TRANSACTION WITH us. av SELECTING THIS OPTION. YOU
`ACKNOWLEDGE 1HAT YOU ARE VOLUNTARILY CHOOSING TO PAY ELECTRONICALLY.
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`_ Pay By Mail. You agree to make your monthly installment via paper check. To make e paymenl vie paper chock, you can mail your p.rymant
`to: cJo Avent, LLC, PO Box 9183380. Chicago, Illinois 60691.3380. Please noto that any payment :sent via physical means wlll be effective the
`day it is n1coivod, howover, it may take up lo 3 business days from the date the payrnant is received for ,t to be reflected on your accounl.
`Plese note that post-datod chocks are not an acceplabla payment melhod and may not be effective the day they aro received.
`4. Prepayment.
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`You may prepay the Debt in whole or in part at any time without penalty. That is, you will not incur any additional fee or charge for partial
`prof)uymunt or prepayment in full.
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`5. Feos and Charges.
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`(o) Your Loan i:s subject to a non-refundable Adm,nislffihOfi fee of $.Q...Ql} This loo is doducted from your Principal Loan Amounl nd is paid lo
`Webl3ank us tr,c orlglMtor of this Loun. Tho Amount Financed is the Principal Loan mount less the Admumstration Fee. Pre-payments will noi
`rom,lt i11 thu rufund of any Administration Fee amount. You acknowledge that the Administration Foo is considered a part of your Principal Loan
`mount and is subject to the accrual of interest.
`(b)