FILED: WESTCHESTER COUNTY CLERK 01/03/2024 03:59 PM
` SUPREME COURT OF THE STATE OF NEW YORK INDEX #
`NYSCEF DOC. NO. 1
`RECEIVED NYSCEF: 01/03/2024
` COUNTY OF WESTCHESTER SUMMONS
` _______________________________________________x
` WESTLAKE SERVICES, LLC, PLAINTIFF'S ADDRESS
` DBA WESTLAKE FINANCIAL Plaintiff, 4751 WILSHIRE BLVD
` SERVICES LOS ANGELES CA 90010
` X
` -against- DEFENDANT'S ADDRESSES
` ANA A CALDERON 178 WARBURTON AVE
`
`INDEX NO. 55099/2024
`
` Defendant(s). YONKERS NY 10701-2517
` _______________________________________________x
` CONSUMER CREDIT TRANSACTION
`
` THE BASIS OF THE VENUE IS:
` A DEFENDANT RESIDES IN THE COUNTY OF WESTCHESTER
` THE TRANSACTION TOOK PLACE IN THE COUNTY OF WESTCHESTER
`
` TO THE ABOVE NAMED DEFENDANT(S): ANA A CALDERON
`
` YOU ARE HEREBY SUMMONED TO ANSWER THE COMPLAINT IN THIS ACTION AND TO
` SERVE A COPY OF YOUR ANSWER ON THE PLAINTIFF'S ATTORNEY(S) WITHIN
` 20 DAYS AFTER THE SERVICE OF THIS SUMMONS, EXCLUSIVE OF THE DAY OF
` SERVICE (OR WITHIN 30 DAYS AFTER THE SERVICE IS COMPLETE IF THIS
` SUMMONS IS NOT PERSONALLY DELIVERED TO YOU WITHIN THE STATE OF NEW YORK).
`
` UPON YOUR FAILURE TO ANSWER, JUDGMENT WILL BE TAKEN AGAINST YOU FOR THE
` RELIEF DEMANDED IN THE COMPLAINT, TOGETHER WITH THE DISBURSEMENTS OF
` THIS ACTION.
`
` DATED THE 7 DAY OF DECEMBER , 2023
` FORSTER & GARBUS LLP
` FILE NO. ATTORNEY(S) FOR PLAINTIFF
` DSRC1068369 2950 EXPRESS DR S, SUITE 100
` ISLANDIA, NY 11749
` (631) 393-9400
`
` NOTE: THE LAW PROVIDES THAT:
` (A) IF THIS SUMMONS IS SERVED BY ITS DELIVERY TO YOU PERSONALLY WITHIN
` THE COUNTY OF WESTCHESTER YOU MUST APPEAR AND ANSWER WITHIN 20 DAYS AFTER
` SUCH SERVICE: OR
` (B) IF THIS SUMMONS IS SERVED BY DELIVERY TO ANY PERSON OTHER THAN YOU
` PERSONALLY, OR IS SERVED OUTSIDE THE COUNTY OF WESTCHESTER , OR BY PUBLI-
` CATION, OR BY ANY MEANS OTHER THAN PERSONAL DELIVERY TO YOU WITHIN THE
` COUNTY OF WESTCHESTER YOU ARE ALLOWED 30 DAYS AFTER SERVICE IS COMPLETE
` WITHIN WHICH TO APPEAR AND ANSWER.
`
` ORIG ACCT# END IN: 6007
`
`DSRC1068369
`
`1 of 18
`
`Page 1 of 3
`
`

`

`FILED: WESTCHESTER COUNTY CLERK 01/03/2024 03:59 PM
` SUPREME COURT OF THE STATE OF NEW YORK
`NYSCEF DOC. NO. 1
`RECEIVED NYSCEF: 01/03/2024
` COUNTY OF WESTCHESTER
` _______________________________________________x
` WESTLAKE SERVICES, LLC, COMPLAINT
` DBA WESTLAKE FINANCIAL Plaintiff,
` SERVICES
`
`INDEX NO. 55099/2024
`
` - AGAINST -
` ANA A CALDERON
` Defendant(s).
` _______________________________________________x
` PLAINTIFF, BY ITS ATTORNEY(S), COMPLAINING OF THE DEFENDANT(S), UPON
` INFORMATION AND BELIEF, ALLEGE:
` 1. THAT THE DEFENDANT(S) RESIDES IN THE COUNTY IN WHICH THIS ACTION IS
` BROUGHT; OR THAT THE DEFENDANT(S) TRANSACTED BUSINESS WITHIN THE COUNTY
` IN WHICH THIS ACTION IS BROUGHT IN PERSON OR THROUGH HIS/HER AGENT AND
` THAT THE INSTANT CAUSE OF ACTION AROSE OUT OF SAID TRANSACTION.
` 2. DEFENDANT(S), FOR VALUE, ENTERED A WRITTEN RETAIL INSTALLMENT CONTRACT FOR
` THE PURCHASE OF A VEHICLE. THE RETAIL INSTALLMENT CONTRACT HAS BEEN ASSIGNED
` TO THE PLAINTIFF.
` 3. DEFENDANT(S) FAILED TO MAKE THE MONTHLY PAYMENTS AND ALL SUMS DUE HAVE BEEN
` DECLARED DUE AND OWING.
` 4. THERE REMAINS AN AGREED BALANCE ON SAID ACCOUNT OF $ 17,448.16 DUE AND
` UNPAID ALTHOUGH DULY DEMANDED.
` 5. DEFENDANT(S) IS IN DEFAULT AND DEMAND FOR PAYMENT HAS BEEN MADE.
` 6. A COPY OF THE CONTRACT OR OTHER WRITTEN INSTRUMENT OR CHARGE OFF STATEMENT
` UPON WHICH THIS ACTION IS BASED IS ATTACHED HERETO.
` 7. INTEREST IS AT THE CONTRACT RATE OF: 9.00%.
` 8. THE NAME OF THE ORIGINAL
`CREDITOR IS: WESTLAKE SERVICES, LLC,
` DBA WESTLAKE FINANCIAL
` SERVICES
` THE ACCOUNT NUMBER ENDS 6007
` THE DATE OF LAST PAYMENT WAS ON OR ABOUT 06/04/2022
` THE AMOUNT OF LAST PAYMENT WAS $ 300.00
`
` 9. THE BALANCE DUE IS ITEMIZED AS FOLLOWS:
` i) Principal $ SEE ATTACHED
` ii) Finance charge(S) $0.00
` iii) Fees imposed by the original lender $0.00
` iv) Collection costs $0.00
` v) Attorney's fees $0.00
` vi) Interest $ SEE ATTACHED
` vii) Other fees and charges $ SEE ATTACHED
`
` 2ND CAUSE OF ACTION: PLAINTIFF STATED AN ACCOUNT(S) TO DEFENDANT(S) ON OR
` ABOUT 09/30/2022 WHICH WAS HELD BY DEFENDANT(S) WITHOUT OBJECTION.
`
` THERE IS NOW DUE PLAINTIFF FROM DEFENDANT(S) THE AMOUNT SET FORTH IN THE
` COMPLAINT, NO PART OF WHICH HAS BEEN PAID, ALTHOUGH DULY DEMANDED.
`
`DSRC1068369
`
`2 of 18
`
`Page 2 of 3
`
`

`

`FILED: WESTCHESTER COUNTY CLERK 01/03/2024 03:59 PM
`NYSCEF DOC. NO. 1
`RECEIVED NYSCEF: 01/03/2024
`
`INDEX NO. 55099/2024
`
` WHEREFORE, PLAINTIFF DEMANDS JUDGMENT AGAINST THE DEFENDANT(S) FOR THE SUM OF
` $ 17,448.16 TOGETHER WITH INTEREST AND THE COSTS AND DISBURSEMENTS OF THIS
`
`Tess E Gunther Michael Florio
`
` WE ARE DEBT COLLECTORS; ANY FORSTER & GARBUS LLP
` INFORMATION OBTAINED WILL BE USED ATTORNEY(S) FOR PLAINTIFF
` IN ATTEMPTING TO COLLECT THIS DEBT. 2950 EXPRESS DR S, SUITE 100
` ISLANDIA, NY 11749
`
` DATED: THE 7 DAY OF DECEMBER , 2023
`
`PURSUANT TO PART 130-1. 1-a OF THE RULES OF
`
`THE CHIEF ADMINISTRATOR THIS SIGNATURE
`
`APPLIES TO THE ATTACHED SUMMONS AND
`
`COMPLAINT
`
`DSRC1068369
`
`3 of 18
`
`Page 3 of 3
`
`

`

`Copy of the Electronic Original® document managed by the eCore® On Demand (EOD")
`Service.
`INDEX NO. 55099/2024
`FILED: WESTCHESTER COUNTY CLERK 01/03/2024 03:59 PM
`NYSCEF DOC. NO. 1
`RECEIVED NYSCEF: 01/03/2024
`NY-103-ARB
`
`10/10/2015
`
`RETAIL
`
`INSTALMENT
`
`CONTRACT
`
`Seller Name and Address
`Spartan
`Auto Group
`Boston
`4070
`Rd
`NY 10475
`Bronx,
`
`LLC
`
`Buyer(s) Name(s)and Address(es)
`ANA A CALDERON
`AV 5K
`3530 DECATUR
`NY 10467
`BRONX,
`
`Summary
`59561711
`No. App#
`Date 8/7/2020
`
`- V# 3
`
`¡
`
`Business,commercialor agriculturalpurposeContract.
`
`Truth-In-Lending
`
`Disclosure
`
`Annual
`Rate
`Percentage
`Thecost of yourcredit as a yearly
`rate.
`
`Finance Charge
`Thedollaramountthe credit will
`cost you.
`
`Amount Financed
`Theamountof credit providedto
`youor onyourbehalf.
`
`Total of Payments
`Theamountyouwill havepaid
`when youhavemadeall scheduled
`payments-
`
`16.19 %
`
`3 1 327.10
`
`s 47%1562
`
`c V s 282
`
`38tx
`
`Total Sale Price
`Thetotal cost of yourpurchaseon
`credit, includingyourdown
`paymentof
`15000.00
`43242.72
`
`3
`
`Payment Schedule. Yourpaymentsche e s:
`
`No.of Payments Amountof Payments
`
`Whe
`
`s are lu
`
`Monthly,
`
`Beginhing
`
`09h7/20
`
`72
`
`392.26
`
`s
`$
`Security. Youare givingus a securityinterest in the Propertypurchased.
`I.ate Charge. If all or anyportionof a paymentis not paidwithin 10 daysof its duedate,youwill bechargeda late chargeof 5% of the unpaidamountof the paymentdue.
`Prepayment. If youpayoff this Contractearly,youwill not haveto paya penalty.
`Contract Provisions. Youcanseethe terms of this Contractfor anyadditionalinformationaboutnonpayment,default,anyrequiredrepaymentbeforethe scheduleddate,and
`prepaymentrefundsandpenalties.
`
`Make
`Jeep
`
`Mo el
`r k
`rand Ch
`
`St
`
`V
`
`i
`
`tifica
`
`ber
`660
`
`OdometerMileage
`33185
`
`Ot e :
`
`Year
`2017
`
`O New
`2 Used
`¡
`Demo
`
`Description
`
`of
`
`Trade-In
`
`Conditional
`
`Delivery
`
`.
`¡
`Conditional Delivery. If checked,youagreethat the following agreementregardmg
`securingfinancing("AgreemeneSapplies:
`. TheAgreementis part of this Contract.The
`Agreementwill nolongercontrolafter the assignmentis accepted.If there are any
`conflicts betweenthe terms of the Agreementandthe Contract,the terms of this Contract
`will apply.
`
`Sales
`Agreement
`Payment. Youpromiseto payusthe principalamountof
`$ 17915.62
`pluscredit servicechargesaccruingonthe unpaid
`16.19 % per yearfrom the dateof this Contract
`balanceat the rate of
`until maturity. After maturity, or after youdefaultandwe demandpayment,we will
`16.19 % per year.
`chargecredit servicechargesonthe unpaidbalanceat
`Youagreeto paythis Contractaccordingto the paymentscheduleandlate charge
`provisionsshownin the Trut/Fin-LendingDisclosure.Youalsoagreeto payanyadditional
`amountsaccordingto the terms andconditionsof this Contract.
`
`Down Payment. Youalsoagreeto payor applyto the CashPrice,onor beforethe dateof
`this Contract,anycash,rebateandnet trade-invaluedescribedin theItemizationof
`AmountFinanced.
`O Youagreeto makedeferreddownpaymentsas set forth in your PaymentSchedule.
`
`RetailInstallmentContract-NYNotfor usein transactionssecuredby a dwelling.
`BankersSystemsTMVMP®
`WoltersKluwerFinancialServices© 2015
`
`WLK-MVLFAZNY11/9/2016
`Page1 of 6
`
`is owned by Westlake Services, LLC d.b.a. Westlake Financial Services and is held by it, as Custodian,
`The original document
`4 of 18
`on behalf of Wells Fargo Bank, National Association,
`as Agent and Secured Party. This copy was created on Aug 07, 2020 03:13:05 PM.
`
`

`

`Copy of the Electronic Original® document managed by the eCore® On Demand (EOD")
`Service.
`INDEX NO. 55099/2024
`FILED: WESTCHESTER COUNTY CLERK 01/03/2024 03:59 PM
`NYSCEF DOC. NO. 1
`RECEIVED NYSCEF: 01/03/2024
`
`Insurance
`Disclosures
`Credit Insurance. Creditlife andcredit disability(accidentandhealth)are not requiredto
`obtaincredit andare not a factor in the credit decision.Wewill not providethem unlessyou
`signandagreeto paythe additionalpremium.If youwant suchmsurance,we wdl obtainit
`for you(if youqualifyfor coverage).Weare quotingbelow only the coveragesyouhave
`chosento purchase.
`Credit Life
`O Single O Joint E None
`Premium $ N/A
`Insured
`
`Term
`
`Credit Disability
`
`Premium $
`Insured
`Yoursignaturebelow meansyouwant (only)the insurancecoverage(s)quotedabove.If
`"None"is checked,youhavedeclinedthe coveragewe offered.
`
`Term
`
`32553.62
`
`N/A
`32553.62
`N/A
`
`N/A
`
`N/A
`15000.00
`
`/NA
`N/A
`
`N/A
`15000.00
`17553.62
`
`36%.00
`N/A
`
`By:
`
`/
`
`BV
`
`N/A
`By:
`
`N/A
`/A
`N/A
`N/A
`N/A
`N/A
`N/A
`N/A
`N/A
`
`N/A
`
`=
`
`462.00
`
`915.
`
`Property Insurance. Youmust insurethe Property.Youmaypurchaseor providethe
`insurancethroughanyinsurancecompanyreasonablyacceptableto us. Thecollision
`eductiblemaynot exceed$ N/A
`. If youget
`covera
`insurancefrom or throughus youwill pay $ N
`for
`
`h_ a
`
`cos
`
`cos
`
`cos
`
`Itemization
`
`of Amount
`
`Financed
`
`a. Priceof Vehicle,etc. (incl. salestax of
`s 2653.62
`b. ServiceContractpaidto:
`
`)
`
`c. Cash Price (a+b)
`d. Trade-inallowance
`e. Less:Amountowing,paidto (includesm):
`
`f. Nettrade-in(d-e;if negative,enter $0 hereandenter
`the amountonline m)
`g. Cashpayment
`h. Manufacturer'srebate
`i. Deferreddownpayment
`j. Otherdownpayment(describe)
`
`3
`
`$
`$
`
`$
`
`$
`$
`$
`$
`
`(f+g+h+i+j)
`k. Down Payment
`I. Unpaid balance of Cash Price
`m. Financedtrade-inbalance(seelinef)
`n. Paidto publicofficials, includingfilin fe s
`0.
`Insurancepremiumspaidto insurance m any(i
`p. To:
`q. To:
`r. To:
`s. To:
`t. To:
`u. To:
`v. To:
`w. To:
`x. To:
`y. To:
`z. Total Other Charges/Amts
`aa. Prepaid Finance Charge
`bb. Amount Financed (I+z-aa)
`$
`Wemayretain or receivea portionof an a ountspaidto of
`
`-k
`
`Paid (
`
`$
`$
`
`$
`$
`$
`$
`$
`$
`$
`$
`$
`$
`
`rs.
`
`of cover3ge.
`
`II ws:
`
`This pr m umis ca culat d s f
`Ilidithrelit.
`e
`$
`le,
`N/A
`Deductible,Comprehensive$
`$
`O Fire-TheftandCombinedAdditionalCov.
`$
`¡
`$
`
`N/A
`N/A
`N/A
`N/A
`
`Liability
`damage
`checked
`
`for bodily
`coverage
`insurance
`caused
`to others
`is not
`included
`and indicated.
`
`and property
`injury
`in this Contract
`
`unless
`
`O Single-Interest Insurance. Youmust purchasesingle-interestinsuranceas part of
`this saletransaction.Youmaypurchasethe coveragefrom a companyof yourchoice,
`reasonablyacceptableto us. If youbuythe coveragefrom or throughus, youwill pay
`$ N/A
`for
`of coverage.
`
`[TIris areaintentionallyleft
`
`blank.J
`
`RetailInstallmentContract-NYNotfor usein transactionssecuredby a dwelling.
`BankersSystemsTMVMP®
`WoltersKluwerFinancialServices© 2015
`
`WLK-MVLFAZNY11/9/2016
`Page2 of 6
`
`is owned by Westlake Services, LLC d.b.a. Westlake Financial Services and is held by it, as Custodian,
`The original document
`5 of 18
`on behalf of Wells Fargo Bank, National Association,
`as Agent and Secured Party. This copy was created on Aug 07, 2020 03:13:05 PM.
`
`

`

`Additional
`
`Protections
`
`You may buy any of the following voluntary protection plans. They are not required
`to obtam credit, are not a factor m the credit decision, and are not a factor m the
`terms of the credit or the related sale of the Vehicle. The voluntary protections will
`not be provided unless you sign and agree to pay the additional cost.
`.
`Yoursignaturebelow meansthat youwant the desenbeditem andthat youhavereceived
`andrevieweda copyof the contract(s)for the product(s).If nocoverageor chargeis given
`for anitem, youhavedeclinedanysuchcoveragewe offered.
`
`Copy of the Electronic Original® document managed by the eCore® On Demand (EOD")
`Service.
`INDEX NO. 55099/2024
`FILED: WESTCHESTER COUNTY CLERK 01/03/2024 03:59 PM
`NYSCEF DOC. NO. 1
`RECEIVED NYSCEF: 01/03/2024
`Youunderstandandagreethat somepaymentsto third partiesas a part of this Contract
`mayinvolvemoneyretainedby us or paidbackto us as commissionsor otherremuneration.
`Youagreethat the Propertywill not beusedas a dwelling.
`Prepayment. Youmayprepaythis Contractin full or in part at anytime without penalty.
`Anypartial prepaymentwill not excuseanylater scheduledpayments.If we get a refundof
`anyunearnedinsurancepremiumsthat youpaid,youagreethat we maysubtractthe refund
`from the amountyouowe, unlessotherwiseprovidedby law.
`Returned Payment Charge. If youmakeanypaymentrequiredby this Contractthat is
`returnedor dishonored,youagreeto paya fee of $20.00.
`Governing Law and Interpretation. This Contractis governedby the law of New York
`andapplicablefederallaw andregulations.
`If anysectionor provisionof this Contractis not enforceable,the otherterms will remain
`part of this Contract.Youauthorizeusto correct anyclerical error or omissionsin this
`Contractor in anyrelateddocument.
`Name and Location. Yournameandaddressset forth in this Contractare yourexact legal
`nameandyourprincipalresidence.Youwill provideuswith at least 30 daysnoticebefore
`youchangeyournameor principalresidence.
`Telephone Monitoring and Calling. Youagree
`e mayfrom time to time monitor
`and recordtelephonecalls madeor receivedb
`s o y agentsregardingyouraccountto
`assurethe qualityof our service.In orderfor i s o servicethe accountor to collect any
`, youagreethat we mayfrom time to
`ets applitraile
`ou s yo6 (cid:1)yowe, and
`s andsendt x messh e to ycn singprerecorded/artificialvoice messages
`ke
`e useof ana to atic di lin devce at anytelephonenumberyou provideto
`tion with yourac ount,i cl ding : mobiletelephonenumberthat couldresult
`to you.
`
`O Service Contract
`Term
`Price
`Coverage
`
`$ N/A
`
`O GapWaiver or Gap Coverage
`Term
`Price
`Coverage
`
`$ N/A
`
`Term
`Price
`Coverage
`
`eSignedD
`
`$
`
`'
`
`ti
`or th o
`us in
`in char
`
`By: ANA A CALDERON
`
`u 07,20203:12:09PMPDT.
`
`By:
`
`By:
`
`817/
`Date
`
`Date
`
`Date
`
`'
`
`gree C
`tract an Securit
`I stallmen
`Definitions. "Contract"refers to this Ret
`Thepronouns"you" and "your"refer to each
`g this . nt
`an
`t,a
`"us" and "our"refer to the S er
`guarantors,jointly andindividually.Thepronouns"we",
`andanyentity to which it maytransfer this Contract. "Vehicle"meanseachmotorv 'c
`describedin theDescriptionof Propertysection. "Property"meansthe Vehicleandall othT
`propertydescribedin theDescriptionof Propertysection.
`Purchase of Property. Youagreeto purchasethe Propertyfrom Seller,subjectto the
`terms andconditionsof this Contract.Sellerwill not makeanyrepairsor additionsto the
`Vehicleexceptas notedin the Descriptionof Propertysection'
`Youhavebeengiventhe opportunityto purchasethe Propertyanddescribedservicesfor
`the CashSalePriceor the Total SalePrice.The "Total SalePrice"is the total price of the
`Propertyif youbuyit overtime.
`General Terms. TheTotal SalePriceshownin the TrutlFIndendingDisclosureassumes
`that all paymentswill bemadeas scheduled.Theactualamountyouwill paywill bemore
`if youpaylate andlessif youpayearly.
`Wedonot intendto chargeor collect, andyoudonot agreeto pay,anycredit service
`chargeor fee that is morethanthe maximumamountpermittedfor this saleby state or
`federallaw. If youpaya credit servicechargeor fee that exceedsthat maximumamount,
`we will applythe excessamountto reducethe principalbalanceand,whenthe principal
`hasbeenpaidin full, refundanyremainingamountto you.
`
`"
`
`b
`
`):
`Youfail to performanyobligationthat youhaveundertakenin this Contract.
`If youdefault,youagreeto payour court costs andfees for repossession,repair,storage
`andsaleof the Propertysecuringthis Contract.Youalsoagreeto payreasonableattorneys'
`fees not in excessof 15%of the unpaiddebtafter defaultandreferralto anattorneynot a
`salariedemployeeof ours.
`If aneventof defaultoccursasto anyof you,we mayexerciseour remediesagainstanyor
`all of you.
`Remedies.If youare in defaultonthis Contract,we haveall of the remediesprovidedby
`law an
`is Contract,subjectto anyright to enfthat youmayexercise.Thoseremedies
`include:
`
`ay retji[ire on o im
`lypay us, sJbjectto anyrefundrequiredby law, the
`r m iningu aid b.I nee f hea t unt fi garced,credit servicechargesandall other
`a r edchtr es. If o r def
`du) soley to yourfailure to maketimely installment
`p y ents an we i a e r
`sess d the P op)rty, our right to accelerateis subjectto
`tj1±difault andreinstatethe Contractas
`u I <1t.toeder
`ro
`c
`providedby law. Youwdl no ave is nght if youboughtthe Propertyfor
`commercialor businessuseor for resale.
`" Wemaypaytaxes, assessments,or otherliensor makerepairsto the Propertyif you
`havenot doneso. Weare not requiredto doso. Youwill repayusthat amount
`immediately.That amountwill earncredit servicechargesfrom the datewe payit at
`the post-maturityrate describedin the Payment sectionuntil paidin full.
`" Wemayrequireyouto makethe Propertyavailableto us at a placewe designatethat
`is reasonablyconvenientto youandus.
`" Wemayimmediatelytake possessionof the Propertyby legalprocessor self-help,
`but in doingsowe maynot breachthe peaceor unlawfully enterontoyourpremises.
`If youdonot redeemthe Property,we maythen sell the Propertyandapplywhat we
`receiveas providedby law to our reasonableexpensesandthentoward what you
`owe us.
`Exceptwhen prohibitedby law, we maysueyoufor additionalamountsif the
`proceedsof a saledonot payall of the amountsyouowe us.
`
`"
`
`"
`
`By choosinganyoneor moreof theseremedies,we donot giveupour right to later use
`anotherremedy.By decidingnot to useanyremedy,we donot giveupour right to consider
`the eventa defaultif it happensagain.
`Youagreethat if anynoticeis requiredto begivento youof anintendedsaleor transfer of
`the Property,noticeis reasonableif mailedto yourlast knownaddress,as reflectedin our
`
`RetailInstallmentContract-NYNotfor usein transactionssecuredby a dwelling.
`BankersSystemsTMVMP®
`WoltersKluwerFinancialServices© 2015
`
`WLK-MVLFAZNY11/9/2016
`Page3 of 6
`
`is owned by Westlake Services, LLC d.b.a. Westlake Financial Services and is held by it, as Custodian,
`The original document
`6 of 18
`on behalf of Wells Fargo Bank, National Association,
`as Agent and Secured Party. This copy was created on Aug 07, 2020 03:13:05 PM.
`
`

`

`Arbitration
`
`Provision
`
`to this Arbitration
`for claims
`to go to court
`
`PLEASE READ CAREFULLY!
`By agreeing
`Provision
`up your
`right
`you are giving
`from this Contract:
`and disputes
`arising
`"
`EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE
`BETWEEN YOU AND US DECIDED BY ARBITRATION,
`AND
`NOT BY A COURT OR BY JURY TRIAL.
`YOU GIVE UP ANY RIGHT THAT YOU MAY HAVE TO
`PARTICIPATE
`AS A CLASS REPRESENTATIVE
`OR CLASS
`MEMBER IN ANY CLASS ACTION OR CLASS ARBITRATION
`AGAINST
`US IF A DISPUTE IS ARBITRATED.
`
`"
`
`Copy of the Electronic Original® document managed by the eCore® On Demand (EOD")
`Service.
`INDEX NO. 55099/2024
`FILED: WESTCHESTER COUNTY CLERK 01/03/2024 03:59 PM
`NYSCEF DOC. NO. 1
`RECEIVED NYSCEF: 01/03/2024
`records,at least 10 daysbeforethe dateof the intendedsaleor transfer (or suchother
`periodof time as is requiredby law).
`Youagreethat we maytake possessionof personalpropertyleft in or onthe Property
`securingthis Contractandtakeninto possessionas providedabove.Youmayhavea right to
`recoverthat property.
`If the Propertyhasanelectronictracking device,youagreethat we mayusethe deviceto
`find the vehicle.
`Obligations Independent. Eachpersonwho signsthis Contractagreesto paythis
`Contractaccordingto its terms. This meansthe following:
`"
`Youmust paythis Contractevenif someoneelsehasalsosignedit.
`" Wemayreleaseanyco-buyeror guarantorandyouwill still beobligatedto paythis
`Contract·
`" Wemayreleaseanysecurityandyouwill still beobligatedto paythis Contract.
`"
`If we giveupanyof our rights, it will not affect yourduty to paythis Contract.
`"
`If we extendnew credit or renewthis Contract,it will not affect yourduty to pay
`
`Warranty. Warrantyinformationis providedto youseparately.
`
`terms of this Contrac you
`Security. To secureyourpaymentandper or anceunder
`cessions,attachm , a e oris
`giveus a securityinterest in the Vehicle, II
`equipmentplacedin or onthe Vehicleandin II other Property.Youalsoas ig to s and
`giveus a securityinterest in proceedsan r
`ium refundsof ny Isuran e nd erzice
`contractspurchasedwith this Contract.
`
`"
`
`"
`
`"
`
`Duties Toward Property. By givingus a securitymterestin the Property,yourepr sent
`andagreeto the following:
`"
`Youwill defendour interestsin the Propertyagainstclaimsmadeby anyoneelse You
`will keepour claimto the Propertyaheadof the claim of anyoneelse.Youwill not do
`anythingto changeour interest in the Property.
`Youwill keepthe Propertyin yourpossessionandin goodconditionandrepair.You
`will usethe Propertyfor its intendedandlawful purposes.
`Youagreenot to removethe Propertyfrom the U.S.without our priorwritten
`consent
`.
`.
`Youwill not attempt to sell the Property,transfer anynghts mthe Property,or grant
`anotherlien onthe Propertywithout our priorwritten consent-
`Youwill payall taxes andassessmentsonthe Propertyasthey become e.
`Property.
`Youwill notify uswith reasonablepr
`ríess ilny lossor damageto
`Youwill provideus reasonableace ss o the Propetybor the ur se of irspection.
`Ourentry andinspectionmust be cc mplishedlaw ull ,
`o da:hing
`peace.
`
`"
`"
`"
`
`ir surancei n he
`to provid pr pert
`Agreement to Provide Insurance. You r
`ubjecµo maxin3 m dqdu i
`Propertyprotectmgagamstlossandphysic
`amountindicatedin the/nsuranceDisclosuressec lon, or as we will otherwiserequir . ou
`will nameus as losspayeeonanysuchpolicy.Generally,the losspayeeis the onet b
`paidthe policybenefitsin caseof lossor damageto the Property.In the eventof lossor
`damageto the Property,we mayrequireadditionalsecurityor assurancesof payment
`beforewe allow insuranceproceedsto beusedto repairor replacethe Property.Youwill
`keepthe insurancein full force andeffect until this Contractis paidin full-
`If youfail to obtainor maintainthis insurance,or nameus as losspayee,we mayobtain
`insuranceto protect our interest in the Property.This insurancemaybewritten by a
`companyotherthan oneyouwould choose.It maybewritten at a rate higherthan a rate
`youcouldobtainif youpurchasedthe propertyinsurancerequiredby this Contract.Wewill
`addthe premiumfor this insuranceto the amountyouowe us. Anyamountwe paywill be
`duewithin 10 days,or it will beaddedto the amountfinanced.This amountwill earn
`credit servicechargesfrom the datepaidat the post-maturityrate describedin the
`Paymentsectionuntil paidin full.
`Gap Waiver or Gap Coverage. Inthe eventof theft or damageto the Vehiclethat results
`in a total loss,there maybea gapbetweenthe amountdueunderthe terms of the Contract
`andthe proceedsof yourinsurancesettlementsanddeductibles.Youare liablefor this
`difference.Youhavethe optionof purchasingGapWaiveror GapCoverageto coverthe gap
`liability, subjectto anyconditionsandexclusionsin the GapWaiveror GapCoverage
`agreements.
`
`ARE GENERALLY MORE LIMITED THAN IN A JUDICIAL
`AND OTHER RIGHTS THAT YOU WOULD
`PROCEEDING,
`HAVE IN COURT MAY NOT BE AVAILABLE.
`Youor we (includinganyassignee)mayelect to resolveany Claimby neutral,binding
`arbitrationandnot by a court action. "Claim"meansanyclaim, disputeor controversy
`betweenyouandus or our employees,agents,
`s, assignsor affiliates arisingfrom
`or relatingto: 1. the credit application;2. the u chaseof the Property;3. the conditionof
`ertyr4dhis Contractiany4nsur
`tenance,serviceor othercontracts
`,
`ontract; )r 6. anyrelatedtransaction,occurrenceor
`ith th
`yo p rehas m connectio
`rela o hi . his includesan Claim as d onetmmonor constitutionallaw, contract,tort,
`lation or othe gr und.T t e extm allowedby law, the validity, scopeand
`statu ,
`interpr ta onof this Arbitr ti
`onare to pe decidedby neutral,bindingarbitration.
`Pro
`If eithe arty electsto resolvea laimthrougharbitration,youandwe agreethat notrial
`or otherjudicial proceedingwill take place.Instead,the Claimwill bearbitratedon
`fj
`anIdividual basisandnot ona classor representativebasis.
`Theparty electingarbitrationmaychooseeither of the following arbitrationorganizations
`andits applicablerules,providedit is willing andableto handlethe arbitration:American
`ArbitrationAssociation,1633 Broadway,Floor10, New York,NY 10019 (www.adr.org)or
`JAMS, 1920 MainStreet, Suite300 Irvine, CA92614 (www.jamsadr.com),or it may
`chooseanyotherreputablearbitrationorganizationandits rulesto conductthe arbitration,
`subjectto the otherparty's approval.Thepartiescanget a copyof the organizations rules
`by contactingit or visiting its website. If the chosenarbitrationorganization'srulesconflict
`with this Arbitration Provision,the terms of this Arbitration Provisionwill governthe Claim.
`However,to addressa conflict with the selectedarbitrationorganization'srules,the parties
`to changethe terms of this Arbitratio
`mayagr
`rovisionby written amendmentsigned
`ies. If the partiesare not ableto fin )r igreeuponanarbitrationorganization
`by the
`that is willing andableto handlethe arbitration,then the arbitratorwill beselected
`1)ur
`.
`ection
`t 9 .
`uc d i
`e arbtr tion e ringvtill e c
`the ed>raldistrict where youresideunlessyou
`ndwe ot erwi e gree.Or if y
`agret, t ie arbitrationhearingcanbeby
`d
`telephoie r oth r
`lectr mi c m uni
`ti n Thmbitration filing fee, arbitrator's
`, ·
`a
`,,crhi
`Wpatin the amountsandby the parties
`t
`t
`ordingto the rulesof the chosenarbitrationorganization.Somearbitrationorganizations'
`es requireusto paymost or all of theseamounts.If the rulesof the arbitration
`organizationdonot specifyhow fees must beallocated,we will paythe filing fee,
`arbitrator's compensation,andotherarbitrationcosts upto $5,000, unlessthe law requires
`usto paymore.Eachparty is responsiblefor the fees of its own attorneys,witnesses,and
`anyrelatedcosts, if any,that it incursto prepareandpresentits Claimor response.In
`limited circumstances,the arbitrator mayhavethe authorityto awardpaymentof certain
`arbitrationcosts or fees to a party, but onlyif the law andarbitrationorganizationrules
`allow it.
`An arbitrator must bea lawyer with at leastten (10) yearsof experienceandfamiliar with
`consumercredit law or a retired state or federalcourtjudge.Thearbitrationwill beby a
`singlearbitrator. In makinganaward,anarbitrator shallfollow governingsubstantivelaw
`andanyapplicablestatute of limitations.Thearbitratorwill decideanydisputeregarding
`the arbitrability of a Claim.An arbitrator hasthe authorityto orderspecific performance,
`compensatorydamages,punitivedamages,andanyotherrelief allowedby applicablelaw.
`An arbitrator's authorityto makeawardsis limitedto awardsto youor us alone.Claims
`broughtby youagainstus, or by us againstyou,maynot bejoinedor consolidatedin
`arbitrationwith claimsbroughtby or againstsomeoneotherthan you,unlessagreedto in
`writing by all parties.Noarbitrationawardor decisionwill haveanypreclusiveeffect asto
`issuesor claimsin anydisputewith anyonewho is not a namedparty to the arbitration.
`Anyarbitrationawardshallbein writing, shallincludea written reasonedopinion,andwill
`befinal andbindingsubjectonlyto anyright to appealunderthe FederalArbitrationAct
`("FAA"),9 U.S.CodeSections1, et seq.Anycourt havingjurisdictioncanenforcea final
`arbitrationaward.Youandwe agreethat this Arbitration Provisionis governedby the FAA
`to the exclusionof anydifferent or inconsistentstate or local law.
`
`RetailInstallmentContract-NYNotfor usein transactionssecuredby a dwelling.
`BankersSystemsTMVMP®
`WoltersKluwerFinancialServices© 2015
`
`WLK-MVLFAZNY11/9/2016
`Page4 of 6
`
`is owned by Westlake Services, LLC d.b.a. Westlake Financial Services and is held by it, as Custodian,
`The original document
`7 of 18
`on behalf of Wells Fargo Bank, National Association,
`as Agent and Secured Party. This copy was created on Aug 07, 2020 03:13:05 PM.
`
`

`

`Copy of the Electronic Original® document managed by the eCore® On Demand (EOD")
`Service
`INDEX NO. 55099/2024
`FILED: WESTCHESTER COUNTY CLERK 01/03/2024 03:59 PM
`NYSCEF DOC. NO. 1
`RECEIVED NYSCEF: 01/03/2024
`Youor we candothe following without givingupthe right to requirearbitration:seek
`remediesin smallclaimscourt for Claimswithin the smallclaimscourt's jurisdiction,or
`
`/y
`
`anypar cular Claim that par y til canrequre
`n co nection i
`with anyother Claim.
`This Arbitration Provisionsurvivesany(i) termination,payoff, assignmentor transfer of this
`Contract,(ii) anylegalproceedingby youor usto collect a debtowedby the other,and(iii)
`anybankruptcyproceedingin which youor we arethe debtor.With but oneexception,if
`one°ª*°"'
`
`t at n in co ne t on
`
`rbi ration ovisionwi I remainin ful or e an effect. The
`Îhe re a nde of thi
`exceptionis that if a findingof partial unenforceabilitywould allow arbitrationto proceed
`ona class-widebasis,thenthis Arbitration Provisionwill beunenforceablein its entirety·
`PROCESSTO REJECTTHIS ARBITRATIONPROVISION.Youmayreconsiderandreject
`yourapprovalof this Arbitration Provisionby sendinga written noticeto the Assignee
`(identifiedin the Assignmentsection)or if there is noAssignee,thento Seller.Thenotice
`must bepostmarkedwithin 30 daysof the dateyousignedthis Contract.It simplyneedsto
`state yourdecisionto reject the Arbitration Provisionin this Contractandincludeyour
`signature.It must alsoprovideyourname,Seller'snameandthe dateof this Contract.
`Rejecting this Arbitration Provision win NOTaffect the terms under which we win
`finance and son the Property to you or any other terms of this Contract, except
`that the Arbitration Provision win not apply.
`.
`CAUTION:
`It
`is important
`that
`yo
`you sign thi
`before
`thoroughly
`you acknowledge
`t
`Contract,
`f
`to this Arbitration
`Provision.
`Arbitration
`do not
`Provision,
`ig
`Arb'
`lawyer.
`If you approve
`this
`additional
`30 days after
`signing
`above.
`as described
`approval,
`this Arbitration
`Provision
`will
`the rest of
`will
`this Contract
`
`e
`
`,
`ut
`
`Note. If the primary use of the Vehicle is non-consumer,this is not a consumer
`contract, and the following notice does not apply. NOTICE. ANY HOLDER
`CREDIT CONTRACT
`OF THIS CONSUMER
`IS SUBJECT
`TO ALL
`AND DEFENSES WHICH THE DEBTOR COULD ASSERT
`CLAIMS
`AGAINST
`THE SELLER OF GOODS OR SERVICES OBTAINED
`PURSUANT
`HERETO OR WITH THE PROCEEDS HERE0F.
`RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED
`PAID BY THE DEBTOR HEREUNDER.
`AMOUNTS
`
`you see on the
`The information
`a used vehicle:
`If you are buying
`Information
`is part of
`this contract.
`window
`form for
`this vehicle
`on the window
`form overrides
`in the
`provisions
`any contrary
`of sale.
`contract
`
`en la
`La información
`usado:
`un vehiculo
`Si compra
`que ve adherida
`parte de éste contrato.
`La información
`forma
`contenida
`ventanina
`en el formulario
`por sobre toda otra
`de la ventanina
`prevalece
`disposición
`en contrario
`en el contrato
`de compraventa.
`incluida
`
`,
`
`.,
`
`a ,
`
`..
`
`.
`
`plies ONLY o a pers n how II lave anownershipinterest in the Property
`(Ths
`etio
`uyerobligaedto payt
`T
`but I
`is ont ac ("Third Party Owner").)
`"you" e ns onl
`e per or
`ningthis section.
`In this e lon only,
`By sig g below youagreetoive us a securityinterest in the Propertydescribedin the
`Mc 1 tion of Propertysection.Youalsoagreeto the terms of this Contractexceptthat
`yo will not beliablefor the paymentsit requires.Yourinterest in the Propertymaybeused
`to satisfy the Buyer'sobligation.Youagreethat we mayrenew,extendor changethis
`Contract,or releaseanyparty or Propertywithout releasingyoufrom this Contract.We
`maytake thesestepswithout noticeor demanduponyou.
`receipt of a completed
`copy of this Contract.
`You acknowledge
`
`N/A
`By:
`
`Signatureof Third Party Owner(NOTthe Btye )
`
`8/7/2020
`Date
`
`Provision
`
`this
`sa
`
`Arbitration
`ntract.
`y signing
`nde
`a
`ou read,
`i
`ou do not un e stan
`a k your
`this Cont a t
`inste
`av
`'on P
`; p
`is
`, yo
`nsider
`antt
`ject
`to
`y
`to r
`If you use that process
`je
`not be a part of
`this Contract,
`still
`and effective.
`be binding
`
`[This area intentionally left blank.]
`
`Whis area intentionally left blan