FILED: WESTCHESTER COUNTY CLERK 04/16/2024 02:23 PM
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 04/16/2024
`
`INDEX NO. 56056/2024
`
`state of New York
`the
`of
`Court
`Supreme
`of Westchester
`Count
`20unty
`******************************************
`
`CORP
`
`SOLUTIONS
`
`INC,
`
`CREDIT
`Plaintiff
`
`-against-
`
`LINDSAY
`
`KEIRON
`Defendant
`*****************************************
`
`ANSWER
`
`Index No.:
`
`56056/2024
`
`Respondent
`
`KEIRON
`
`LINDSAY
`
`answers
`
`the Complaint
`
`as follows:
`
`or deny Plaintiff's
`
`corporate
`
`status,
`
`therefore,
`
`the
`
`or deny
`
`the statute
`
`of
`
`limitations,
`
`therefore,
`
`the
`
`1. Defendant
`
`allegation
`Defendant
`Defendant
`allegation
`Defendant
`
`installment
`
`Defendant
`said loan,
`Defendant
`
`therefore,
`Defendant
`
`2.
`3.
`
`4.
`
`5.
`
`6.
`
`7.
`
`Defendant
`8.
`Defendant
`9.
`10. Defendant
`
`lacks
`
`to admit
`
`information
`is denied.
`den es this allegation.
`lacks
`information
`to admit
`is de nied.
`lacl*s
`information
`
`or deny whether
`to admit
`the allegation
`is denied.
`loa1,
`therefore,
`to admit
`or deny whether
`lacks
`infoimation
`is denied.
`the allegation
`there fore.
`lacks
`information
`to admit
`or deny
`the allegation
`is denied.
`lacks
`information
`to admit
`den es this allegation.
`den es this allegation.
`den es this allegation.
`
`the chain
`
`or deny,
`
`therefore,
`
`Plaintiff
`
`is the holder
`
`of
`
`the
`
`Plaintiff
`
`took
`
`the assignment
`
`of
`
`of
`
`title
`
`of said loan/note,
`
`the allegation
`
`is denied.
`
`AFFIRMATIVE
`
`DEFl
`
`iNSES
`
`l.
`
`Defendant
`
`has had no business
`
`dealings
`
`with
`
`the Plaintiff,
`
`and therefore,
`
`the Plaintiff
`
`to prove
`
`its third-party
`
`buyer
`
`its third-party
`to all claims
`
`status
`buyer
`and defenses
`
`status
`
`of said loan and note,
`
`this
`
`this note and loan,
`of
`could
`that
`the debtor
`
`as a holder
`assert
`
`standing.
`lacks
`fails
`Flaintiff
`To the extent
`b: dismissed.
`claim should
`To the extent Plaintiff
`proves
`this note and loan is subject
`of
`against
`inal
`the ori
`creditor.
`Defendant
`the debt.
`of
`utes the amount
`dis
`Unconscionab
`it
`of
`or a provision(s)
`ity (the contract
`Ven
`in Westchester
`Improper
`: Neither
`Defendant
`lives
`in Westchester.
`
`2.
`
`3.
`
`4.
`5.
`
`6.
`
`occur
`
`is unfair).
`and this
`
`transaction
`
`did not
`
`Prepared with
`
`2
`the assistance of a New York Attorney.
`
`1 of 3
`
`
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 04/16/2024
`
`INDEX NO. 56056/2024
`
`state of New York
`the
`of
`Court
`Supreme
`of Westchester
`Count
`20unty
`******************************************
`
`CORP
`
`SOLUTIONS
`
`INC,
`
`CREDIT
`Plaintiff
`
`-against-
`
`LINDSAY
`
`KEIRON
`Defendant
`*****************************************
`
`ANSWER
`
`Index No.:
`
`56056/2024
`
`Respondent
`
`KEIRON
`
`LINDSAY
`
`answers
`
`the Complaint
`
`as follows:
`
`or deny Plaintiff's
`
`corporate
`
`status,
`
`therefore,
`
`the
`
`or deny
`
`the statute
`
`of
`
`limitations,
`
`therefore,
`
`the
`
`1. Defendant
`
`allegation
`Defendant
`Defendant
`allegation
`Defendant
`
`installment
`
`Defendant
`said loan,
`Defendant
`
`therefore,
`Defendant
`
`2.
`3.
`
`4.
`
`5.
`
`6.
`
`7.
`
`Defendant
`8.
`Defendant
`9.
`10. Defendant
`
`lacks
`
`to admit
`
`information
`is denied.
`den es this allegation.
`lacks
`information
`to admit
`is de nied.
`lacl*s
`information
`
`or deny whether
`to admit
`the allegation
`is denied.
`loa1,
`therefore,
`to admit
`or deny whether
`lacks
`infoimation
`is denied.
`the allegation
`there fore.
`lacks
`information
`to admit
`or deny
`the allegation
`is denied.
`lacks
`information
`to admit
`den es this allegation.
`den es this allegation.
`den es this allegation.
`
`the chain
`
`or deny,
`
`therefore,
`
`Plaintiff
`
`is the holder
`
`of
`
`the
`
`Plaintiff
`
`took
`
`the assignment
`
`of
`
`of
`
`title
`
`of said loan/note,
`
`the allegation
`
`is denied.
`
`AFFIRMATIVE
`
`DEFl
`
`iNSES
`
`l.
`
`Defendant
`
`has had no business
`
`dealings
`
`with
`
`the Plaintiff,
`
`and therefore,
`
`the Plaintiff
`
`to prove
`
`its third-party
`
`buyer
`
`its third-party
`to all claims
`
`status
`buyer
`and defenses
`
`status
`
`of said loan and note,
`
`this
`
`this note and loan,
`of
`could
`that
`the debtor
`
`as a holder
`assert
`
`standing.
`lacks
`fails
`Flaintiff
`To the extent
`b: dismissed.
`claim should
`To the extent Plaintiff
`proves
`this note and loan is subject
`of
`against
`inal
`the ori
`creditor.
`Defendant
`the debt.
`of
`utes the amount
`dis
`Unconscionab
`it
`of
`or a provision(s)
`ity (the contract
`Ven
`in Westchester
`Improper
`: Neither
`Defendant
`lives
`in Westchester.
`
`2.
`
`3.
`
`4.
`5.
`
`6.
`
`occur
`
`is unfair).
`and this
`
`transaction
`
`did not
`
`Prepared with
`
`2
`the assistance of a New York Attorney.
`
`1 of 3
`
`
`
`FILED: WESTCHESTER COUNTY CLERK 04/16/2024 02:23 PM
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 04/16/2024
`
`INDEX NO. 56056/2024
`
`AFFIRMATIVE
`
`DEF ENSES/COUNTERCLAIMS
`
`F laintiff
`
`proves
`
`the parties
`
`entered
`
`into said "installment
`
`loan"
`
`referred
`
`to in
`
`Plaintiff
`
`breached
`
`the contract
`
`7.
`
`To the extent
`this action,
`a.
`
`b.
`
`c.
`
`8.
`
`Plaintiff
`
`a.
`
`with
`the opportunity
`to provide
`by faili1g
`payments
`or holiday
`of deferring,
`forbearance,
`way
`the COVID-19
`;ncome
`loss of
`pandemic,
`during
`the Defendant
`to communicate
`or notify
`an accurate
`to provide
`statement
`billing
`apprised
`of default.
`covenant
`
`Defendant
`
`to postpone
`payments
`due to hardship,
`
`including
`
`by
`
`of default,
`such that
`
`the Defendant
`
`was
`
`its agents
`
`steered
`
`faith
`
`of good
`the Defendant
`
`and fair dealing,
`into costly
`predatory
`
`as follows:
`student
`
`loans
`
`by faili1g
`by faili1g
`accurat:ly
`the implied
`breached
`Sallie Mae or
`and/or
`
`enns,
`Sallic Mac or
`its agents
`for students,
`practices
`Sallie Mae or
`its agents
`by providing
`payments
`or obscuring
`incorrectly,
`information,
`processing
`or complained,
`o act when Defendant
`communicated
`failing
`failed Defendant
`at
`Sallie Mae or
`its agents
`systematically
`or clear
`information
`to avoid
`to provide
`accurate
`default,
`by faili1g
`loan"
`Said "iastallment
`and charged
`e.
`was surreptitiously
`The Defendani
`damage
`to credit,
`has been hanned
`by this breach,
`fees.
`cl arges, and exorbitant
`
`b.
`
`c.
`
`d.
`
`information
`
`9.
`
`unnecessary
`
`failed
`
`the standard
`
`of carc
`
`for
`
`loan servicing
`
`created
`
`obstacles
`
`to repayment
`
`and lending
`
`bad
`
`and/or
`
`the stage of
`and
`
`repayment
`
`off.
`
`incurring
`
`defaulted
`
`including
`
`dei2ndant
`The unrepresented
`amend
`his or her Answer,
`
`serves
`
`including
`
`this Answer
`but not
`limited
`
`prejudice
`without
`to proceeding
`
`to her
`to amend
`
`to
`to proceed
`rights
`to add counterclaims.
`
`VERIFICATION
`
`thisl'
`
`1, KEIRON
`affirm
`LINDSAY,
`which may
`the laws of New York
`I understand
`this document
`that
`may
`
`under
`of perjury
`the penalties
`day of April
`2024,
`is true, and
`that
`the foregoing
`a fine or
`include
`imprisonment,
`in a court
`law.
`be filed
`in an action
`or proceeding
`
`under
`
`of
`
`Dated:
`
`April
`
`2024
`
`Ke
`
`ndsay
`
`3
`Prepared with the assistance
`
`of a New York Attorney.
`
`2 of 3
`
`
`
`FILED: WESTCHESTER COUNTY CLERK 04/16/2024 02:23 PM
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 04/16/2024
`
`INDEX NO. 56056/2024
`
`of
`Court
`Supreme
`of Westchester
`Count
`Dounty
`******************************************
`CORP SOLUTIONS
`
`CREDIT
`Plaintiff
`
`the state of New York
`
`INC,
`
`-against-
`
`LINDSAY
`
`KEIRON
`Defendant
`******************
`
`k`*********************
`
`AFFIDAVIT
`
`OF MAILED
`
`SERVICE
`
`Index No.:
`
`56056/2024
`
`1,_KEIRON
`
`LMDSAY
`
`, being
`
`duly
`
`sworn
`
`says,
`
`I am over
`
`18
`
`years
`
`of age and not a party
`
`to this action. On
`
`, 2024,
`
`I mailed
`
`a true copy
`
`of
`
`the attached
`
`papers,
`
`enclosed
`
`and properly
`
`sealed
`
`in a postpaid
`
`envelope,
`
`which
`
`I deposited
`
`in
`
`an official
`
`depository
`
`der
`
`the exclusive
`
`care and custody
`
`of
`
`the United
`
`States Postal Services
`
`within
`
`the State of Ne
`
`York
`
`addressed
`
`to:
`
`SZYMAN
`JOLANTA
`KIRSCHENBAUM
`&
`Suite
`40 Daniel
`Street,
`NY 1173
`Farmingdale,
`
`KA
`HILLIPS,
`( P.O. Box
`-9000
`
`P.C.
`9000
`
`I affirm
`
`this
`
`day of
`
`,2_02Ænder
`
`the penalties
`
`of perjury
`
`under
`
`the laws of
`
`New York, which may
`
`nelude
`
`a tinc or
`
`imprisonment,
`
`that
`
`the foregoing
`
`is true, and 1 understand
`
`that
`
`this document
`
`may be filed
`
`in an action
`
`or proceeding
`
`in a court
`
`of
`
`law.
`
`(Signature)
`
`Prepared with the assistance
`
`of a New York Attomey.
`
`3 of 3
`
`
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