DeclarationCal. Super. - 6th Dist.May 28, 2019Electronically Filed by Superior Court of CA, County of Santa Clara, on 10/10/2019 10:43 AM Reviewed By: D Harris Case #19CV348909 Envelope: 3504064 19CV348909 Santa Clara - Civil D Harris 20 21 22 23 24 25 26 2'1 28 Matthew W. Quall #183759 Ranjccl K. Brat, #297142 Alexa A. Chrisos, #308302 'I‘if’f‘any A Pack, #323] 59 QUALL CARDOT, LLP 205 E. River Park Circle, Suite 110 Fresno, CA 93720 (888) 289-1231 Phone (559) 418-0330 Fax Attorneys for Plaintiff SUPERIOR COURT OF CALIFORNLA COUNTY OF SANTA CLARA Case No. 19CV348909 DECLARATION TN SUPPORT OF APPLICATION FOR ENTRY OF DEFAULT JUDGMENT PURSUANT TO CODE 0F CIVIL PROCEDURE ”8860(3) CAVALRY SPv 1, LLc, Plaintiff, v. BRIDGET SMITH , an individual, and DOES ; l Io IOO, inclusive, Defendants. l, the undersigned, hereby declare as follows: l. I am an employs: 0f Cavalry Portfolio Services, LLC (hcrcinaficr, "CPS"), which performs collection services for CAVALRY SPV l, LLC (hereinafter "Plaintiff'L and am a qualified witness. I am a competent person over eighteen years of age. Based on my review of the account records maintained on Plaintiffs behalf, l have personal knowledge and make the statements herein. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was assigned all the rights, titlc and interest to Defendant's Synchrony Bank FKA GE Capital Retail Bank account, ending in 7105 (hereinafter, the "Account"). I have access to and have reviewed the records pertaining to the Account and am authorized to make this declaration 0n Plaintifi‘s behalf. l DECLARATION IN SUPPORT OF APPLICATION FOR ENTRY OF DEFAULT JUDGMENT (CIVILCODI‘. D788.00(a)} l9 20 2| 22 23 24 25 26 27 28 2. Plaintiff purchases portfolios of delinquent accounts from either the original creditor or a subsequent pumhascr of the account. As pan of iis operations, CPS, on behalf of Plaintiff, operates and maintains computer systems, into which CPS, on behalf of Plaintiff, integratw electronic records and information received from the seller. 3. I am familiar with the manner and method by which CPS, on behalf of Plaintiff. creams and maintains its normal documents and records. The records arc kept in the normal course of business. CPS, on behalf of Plaintiff, maintains computerized account records, including the account infomation that was provided to Plaintiff by Synchrony Bank FKA GE Capital Retail Bank. The computerized account records include the balance at the time of sale and lhc dale of sale of the subject account. Thc records are kept in the ordinary course of business by representatives of CPS, on bchalfofPlaintiff, who arc charged with the duty to accurately record any businws act, condition or event on the computer with cntrim madc at or near the time of any such occurrence. 4. On or about 06/1 9/201 8, Plaintiff became the successor in interest to this Account. Plaintifi' acquired and incorporated the attached account records into its business records, which are not modified or altered, as a result of Plaintiff‘s purchase of the Account. Thcsc records are kcpl in lhc regular course of business on behalf of Plaintiff, and along with the electronic records provided at purchase, arc Plaintiff‘s business records for this Account. 5. l’edcral law required the original creditor to furnish Defendant with periodic statements. 6. The accuracy ofsuch records is relied upon by Plaintiff in purchasing and collecting this Account. These records arc relied upon in Plaintiff‘s and CPS's regular course ofbusincss. 7. This Account was purchased on or after January 1, 2014. 8. In accordance with California Civil Code section 1788.58(a)(3-8), Plaintiff‘s records show the following rclcvanl information concerning the Account. a. Plaintiff is the sole owner of the Account. b. The Account was opened on 08/04/201 I and charged off on 05/23/201 8 with a balance of $1,857.63. 2 DECLARATION IN SUPPORT 0F APPLICATION FOR ENE? OF DEFAULT JUDGMENT (CIVIL CODE D788.60(a)) 20 2| 22 23 24 25 26 27 28 9. balance herein prior to making this declaration and Dcfcndant(s) failed to make full payment of Plaintifl‘s moords show that the balance of $1819.63 remains due and owing as of 08/26/20] 9. Plaintifi' is not seeking to recover any post-chargc ofi intermt and/or fees that may have been imposed by the charge off creditor or subsequent purchasers of the debt and is seeking to recover only that portion of the charge off balance that remains due and owing as 01'08/26/2019. The last payment postcd to the Account on 12/14/201 7. The chargc-ofi' creditor name and address at the time ofcharge off: Synchrony Bank FKA GE Capital Retail Bank, P.0. BOX 960090 ORLANDO, FL 32896-0090. The chargc-off Account number associated with the debt at time of charge ofi'was Account No. ending in 7105. Defendant's name and last known address as it appeared in the charge ofi creditor's records: BRDGET SMITH , 1242 COLD SPRlNG DR, O FALLON, MO 63368-7991. The names and addresses ofall persons or cmitics that purchased the debt afier charge off, including the plaintiff dcbt buyer. are as follows: CAVALRY SPV I, LLC, 500 Summit Lake Drive, Suite 400, Valhalla, New York 10595. Plaintiffs records state that Plaintiff or its agents made demand for payment of the the amount owed on the Account. 10. Attached hereto as Exhibits A, B, and C are the account records I have reviewed in executing the declaration that relate to the Account and/or payment(s) received. Exhibit A. Seller Data document and Chain ofTitle - establishing thc facts required under Civil Code sections l788.58(a)(3) and (a)(7). 3 DECLARATION IN SUPPORT OF APPLICATION FOR ENTRY 0F DEFAULT JUDGMENT (CIVIL CODE CD 788.60(I)) 20 2| 22 23 24 25 26 27 28 Exhibit B. Account Statements and/or Account records including, but not limited to, the most recent monthly statement recording a purchase transaction, last payment, or balance transfer - establishing the fact required under Civil Code section l788.52(b) and l788.58(a)(5). Exhibit C. Account Statement - establishing thc facts required under Civil Code sections l788.58(a)(4), and (a)(6). ll. The documents attached hereto are tmc and correct copies of documents provided to Plaintiff; by original creditor, being a reproduction of the records on file on behalf of Plaintiff based upon my review, except to the extent that confidential and privileged information and/or personal identifying information is omitted 0r redacted as required by local rules, and applicable stale and federal laws. 12. If called upon to testify as a witness thereon, I could and would competently testify as to all the facts stated herein. I declare under penalty of perjury under the laws of the Slate of California that the foregoing is u'uc and conect. J (1 Executed uu's Lday of 5gQT' 99a: Valhalla, NY. \ Signature:L/ 7 By: Eifiagfif: ' Vd_ Tine: wgggu‘Wm.SM 4 DECLARATION IN SUPPORT 0F APPLICATION FOR ENTRY OF DEFAULT JUDGMENT (CIVIL CODE D 788.60(a)) . . o a ‘ . I . . n ' - O . . . . . Q .p ._ -. v '. ‘ A. ‘ _ . \ . . . s '. O . ~ I' l ‘ C . .p ¢ . ITA. . u 9 ' I' O a . . . . . . . 7 u _ . . ; . . Y‘ . ' . . Notification Files 0892 Purchase Date:6/1 9/2018 'lnformation displayed has been redacted tor consumer privacy synchrony IANK BILL «SALE Elm (ggfil - PLCCth - Jug; 291! For value received and in flmha considemion of the mmul covenmts and conditions set forth in the Forwud Flow Accounts PurchaseAmmo! (the “Agreemcm'j, dated a ofthis 9‘ day ofFabmry, 2018 by md betwem Syndu'nny Bank formerly knowu u GE Capital Retail Bank; RFS Holding LLC. Ind Retail Fume Cmdit Services, LLC.. (“Seller") and Cavalry SPV l, LLC (“Buyer"). Seller hereby nmsfers. sells. conveys, grants, and deliver: to Buyer, itsm and mints. without momeneeptumfonhinmeAmumotheulemofiuownenhip, theAecoms u 8e! forth in the Notification Files (as defined in theWm), delivend by Seller to Buyer on June I9. 2018, and as timber dmibed Sn the Agreement. Synchrony Bank K Br- Ken Wojcik Title: SVP Collections & Recovery RES Holding LLC rt By: dob “lki Ken Wojcik Title: Attorney In Fact Retail Finance C‘ndil Sewicu. LLC Br- Ken Wojcik Title: Anomey ln Fact AFFDAVIT OF SALE OFACCOUNT BY ORIGNAL CREI'IOR SmeofFloridnCountyofSeminob AshfleGlrdabdngdulyswandepowsamnys: IamovcrlsmdnotapanyofthisacdonlamaMedinRepuamfiveofSynchmnmek fauniyknownuGECapltalRmilBmkhthflpoaifionlhavcamtocmdtot‘sbooksand records.andlmawmofmcmofmcmenndmignmtofdmlcmynmedmm OnorabomWH/ZOIS Synchrony Bank formalyknown asGECapiulRetnilBank soldapool ofchnrgo-ofl accounts (the Accounts) by a Purchase and Sale Agreement and aBill ofSalc to CavalrySPVILLCAspanohhcsalcoftbcAcoounu.clecuonicmcordsandodwt-reooxds wctramfeuedonlndividufl-kcowmtomcdcbtbuyer.1hcsemootdswaekcptinmc ordinary come of business of Synchrony Bank formerly known as GE Capinl Retail Bank. mewmhuammdmamdcmmmmmmnuflhcabovcsm netmctothcbestofmyknowledgc. Sim this 9th day of July. 2018 CLAUDIA RAMIREZ 33‘ "I EStcolo olebtidc. ourv “?;‘C :- . 0mm luon "Imn|“| Auoflp >1 $ a \4 -ZJ NYAm 1.3 WIN]? -&. Pm! CERTIFICATE 0FCONmRMITY UNDER NYS CLS CPLR § 2309M AND NYS CLS RPL § 299-: 'TBB undasigwd does haeby cufify mat ha/sho is an momey-at-lnw duly admitwd to pndceinflmStatsofFlm-idaandxuidinginmcStueofI-‘loridmthatahcisapasondlfly qunliflcdtomakethiscufificate ofconformitypmunnttoSecfion 299-: ofmelePmpatyan offlw State ochw York; that she is fully acquainted withthe laws ofthc Sm: ofFlon'da pa‘tm'ning to me achowledgnmt or pmofof nfidavits; that the acknowledganmt or ptooftmon the hegoing Afidavit of Ashlie Garcia was ukm by Claufia Rmixu, a nomy public in the M Sm: ofFloridn, inthomamu'pma'ibedbythelawpofthc Stateof Flofidgbdngthcmfin whchmoAfidafitwumkaumwonhareviewthaeof, mathemtuizedAEdlvit conformstothelnwsofmoStatcofHoridpiqallmpm. Wimces myaim this 9th day o uly, 2018 I“film, sate ormadam u BWDGE Y R SMYH Amml 5mm "' " 710 ‘ S mint", u! A. . m nl A‘ h. 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