DeclarationCal. Super. - 6th Dist.November 23, 2020Electronically Filed by Superior Court of CA, County of Santa Clara, on 3/18/2021 11:44 AM Reviewed By: D Harris Case #20CV373911 Envelope: 6061154 20CV373911 Santa Clara - Civil D Harris \DOOQQUIth-A t-It-ar-Ir-I WNHO Christopher D. Mandarich SB 220693 Hayk Stambultsyan SB320973 Amber Swearingen-Ojuri SB324653 MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 Telephone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintiff: L VNVFunding LLC SUPERIOR COURT OF CALIFORNIA, COUNTY OF SANTA CLARA LIMITED CIVIL JURISDICTION LVNV Funding LLc, Case No. 20CV3 73911 t'laln 1 , DECLARATION IN SUPPORT OF NNNNNNNNNv-‘HHHHH mflamtht-‘Ooooflovlh APPLICATION FOR ENTRY 0F DEFAULT JUDGMENT PURSUANT T0 Hongngoc V Luu, an individual, et al., CIVIL CODE § 1788.60 VS. Defendant. The declaration is attached hereto and hereby incorporated herein. DECLARATION IN SUPPORT OF APPLICATION FOR ENTRY OF JUDGMENT \DOOQO‘xUI-bUJNt-A SUPERIORCOURT OF Calibmia, COUNTY OF SANTACLARA LVNV Fmding LDC, Plainfim Hongngoc VDuu , et aL, Defendant(s). |||lllllllllllllllllllllllll’llllllllllllllll||||||||||llllllll|ll|l|llIll 690421698 LIMITED CIVILJURISDICTION Case No. 20CV373911 DECLARATION IN SUPPORT 0F DEFAULTJUDGMEVTPURSUANT TO CIVILCODE§ 1788.60 I, the undersigned, declare as bllows: 1. I am an authorizsd representative fin” LVNV Funding LLC (“Plaintififi and RESURGENT CAPITAL SERVICES, LP (RCS), servicer of this account on behalf of Plaintfl and I am authorized on Plainfifls and RCS's behalfto [rake the statements, representations and avenmnts herein review ofthe records pertaining to this account. PlainfiEis the cmrent owner ofthe obligation sued upon, and was assig1ed all the figfis, title and interest to Defindant‘s account XXXXDOOOOQQOC3624 (hereinaflcr “the Account”). of the account. As part of its operatiom, RCS, as servicer for Plainfifli operates and maintains computer systems into which electronic records and Mumtion received fi'om the seller in response to the sale and assigmmnt commmication regarding the individual accounts are integrated DmARATION 1N SJPPORT OF APPLICATION FORENTRYOFDEFAULT JUDGVENT PURSJANT TO GVILwDE § 1788.60 I am a competent person over eigzteen years ofage and Imke the statements herein based upon my personal . Plaintifipurchases portfolios ofdeh'nquent accounts fiom either the on'g'nal creditor or a subsequent purchaser Page 1 1.001 \OOOQONUl-hUJNr-I N N [\J v_- r-A r-a r-a 1-- r-I r-J v-a v-b v-d 4. I am fimiliar with and trained on the 1mde and nethod by which Plainn'fls business records are created and rmintained. The records are kept in the regular course ofbusiness. It was in the regular course ofbusiness for a person with knowledge ofthe act or event recorded to rmke the record 0r data compilation, 0r for a person with knowledge t0 transmit inibnmtion thereofto be included in such record. In the regular course ofbusiness, the record 0r compilation is Imde at or near the film 0fthe act or event 5. On or about 02/20/2020, LVNV Funding LLC becarm the successor in interest to this Accoum The attached account records were acquired and incorporated into Plaintifl’s permanent business records as a result 0f Plainfifls purchase 0fthe Account. These records are kept in the regular course ofbusiness on behalfofPlajntifi and, along with other electronic records provided at purchase, are Plaintifls primary some ofbusiness records for this Account. 6. The accuracy of such records is re 'I ' ' ' age m purchasing and collecting this Account Federal law required the orig'nal creditor to send rmnthly statements to the Defendant at the address at which the Defendant advised that he/she was residing at the film that he/she established the accounL or to any subsequent address provided by the Defendant. 7. This Account was purchased afler 01/01/2014 and, therefore, is subject to California Civil Code'Section 1788.60. 8. In accordance with Calih‘nia Civil Code section 1788.58(a)(3-8), LVNV Funding LLC's records show the following relevant infimmtion conceming the Account. a. Plamfifiis the sole owmr 0fthe Account. b. The Account was opened on 07/30/2016 and charged ofion 10/24/2017 with a balance of$4,071 .79. c. LVNV Funding LLC records show that the balance 0f $4,019.50 rennins due and owing Plajnfifl is seeking to recover only that portion 0fthe charge-ofibalanoe that remains due and owing d. The last payment posted to the Account 0n 03/06/2017. e. The charge ofl‘creditor narrB and address at the firm ofcharge 0E Cihbank,NA 5800 South Corporate Place, Sioux Falls, SD, 57108 f The charge 0E Account number associated with the debt at time of charge ofi‘ was XX)O(XXXXXX)(X3624. Page 2 DECLARATION IN SJPPORT 0F APPLICATIONFORENTRY 0F DEFAULT JUDGVJENT PURSJANT TO CIVIL OODE § 1788.60 1.001 \DOOQQUIAUJNt-t ~Hr-th-It-tr-ar-dr-Ar-dv-as-I S’OBRS‘EBR’JEBOWQQMAUJNHO 9. LVNV Funding LLC's records state that LVNV Funding LLC or its agents made demand for paylmnt offlle balance herein prior to making this afidavit and Defendant(s) failed to nnke fiJfl payment ofthe almunt owed 10. g. Defendants nalm and last known address as it appeared in the charge ofl‘creditofs records: HONGNGOC VLUU 3900 MOORPARK AVE APT 162 SAN JOSECA 95 1 17-1806 h The cmrplete chain of title including Citibank, N.A and all post charge ofl‘purchasers of the debt are as Ihllows: Date Of Transfer Owne r/Creditor Name Owner/CreditorAddress . . 5800 South Corporate Place 2/20/2020 Citibank, N.A. Sioux Fans SD 571 08 2/20/2020 Sherman Originator Ill LLC P.O. Box 10466 C/O Resurgent Capital Services LP GreenviHe SC 29603 2/20/2020 Sherman Originator LLC P.O. Box 1 0466 C/O Resurgent Capital Services LP Greenville SC 29603 I LVNV Funding LLC C/O Resurgent Capital Services LP P.0'. Box 10466 Greenville SC 29603 on the Account. Attached hereto as Exhibits A, B, and C are the account records I reviewed in execufing the afidavit that relate to the Account and/or paynent(s) received. Exhlbit A: Chain of Tltle and Seller Data Docmmnt - Establishing the hols required under Civfl Code section 1788.58(a)(3) and (8) Ethbit B: Last Monthly Billing Statenmnt Recording a Purchase, Last Payment, 0r Balance Transfir - Establishing the hots required under Civil Code section 1788.52 (b) and/or 1788.58(a)(5) Exhibit C: Billing Statermnts - Establishing the ficts requined under Civil Code section 1788.58 (a)(4) and (6) Page 3 DECLARATION IN SJPPORT OF APPLICATION FORENTRY OF DEFAULT JUDQ/IENI' P'URSJANT TO CIVIL CDDE§ 1788.60 1.001 KOOOQQUI-hLHNb-t r-lr-Ar-r-tn-AI-‘b-tr-IHH B’oBREEBfiBBomQQMAmNM-‘o 11. The doculmnts attached hereto are true and correct copies ofthe on'g'nals, being a reproducfion ofthe records on file on behalf 0f Plainfifl based upon my review, except to the extent that confidential and privileged information and/or personal identifiling infonmtion is omitted or redacted as required by local mles, and applicable state and federal laws. 12. If called upon to tesfifil as a witness thereon, I could and would corrpeterrdy testify'as to all the ficts stated herein ‘ I declare under penalty ofpeljury under the laws ofthe State ofCalifornia that the foregoing is true and conect. Dated: 02/1 1/2021 FM/mlgmum Kathy Yang (I - as authon'zed representative of LVNV Funding Lu: Page 4 DECLARATION IN SJPPORT OF APPLICATION FORENTRY OF DEFAULT JUDGMENT PURSJANT TO GVIL CDDE § 1788.60 1.001 ' EXHIBIT A ' Contract ID; SHSMUMAAMO8 l9 Document ID: SHBMUMAAOZ) 820C7 Document ID: 021 12051-11MUBIBB I BILL OF SALE AND ASSIGNIWENT THIS BILL OF SALE AND ASSIGNMENT dated February 20. 2020, is by Citibank, N.A., a national banking association organized under the laws of the United States, located at 5800 South Corporate Place, Sioux Falls, SD 57108 (the "Bank") to Sherman Originator III LLC, organized under the laws of the Delaware, with its headquarters/principal place of business at 55 Beattie Place, Suite 110, Greenville, SC 29401 ("Buyer"). For value received and subjeét to the terms and conditions of the Master Purchase and Sale Agreement dated April 8, 2019 and Addendum No. 7 dated February 18, 2020, between Buyer and the Bank (the "Agreement"), the Bank does hereby transfer, sell assign. convey, grant, bargain, set over and deliver to Bu er and to ‘ , ccounts escribed in 1 1 an e final electronic file. Citibank, N.A. By: $4 #N ($iénamrc) I Gary Goldbalg Name: Title: Authorized PanL Sherman 0408 l 9 1 Transfer and Assignment Shannan Originator III LLC (“SOLLC III”), without recourse, to the extent permitted by applicable law, hereby transfers, sells, assigns, conveys, grants and delivers to Sherman . Originator LLC (“SOLLC”) all of its right, title and interest in and to the receivables and other assets (the “Assets”) identified on Exhibit A, in the Receivable File dated February 12, 2020 delivered by Citibank, N.A. on February 20, 2020 for purchase by SOLLC III on February 20, 2020. The transfer ofthe Assets included electronically stored business records. SOLLC, subsequent to the above mentioned transfer, hereby transfers, sells, assigns, conveys, grants and delivers to LVNV Funding LLC (“LVNV”), the above mentioned Assets. The transfer 0f the Assets included electronically stored business records. Dated: February 20, 2020 Sherman. Originator III LLC By: W MJW Nany: Jon Maz 1) Titl : Director Dated: February 20,, 2020 Sherman Originator LLC a Delaware Limited Liability Company By:@WMM le: Jackson Walker itle: Authorized Representative Dated: February’zo, 2020 LVN V Funding LLC a Delaware Limited Liability Company Title: Authorized Representative Exhibit A Receivables File 02.20.20 Sherman-BrandsCostcoPreviouslyEnrolle‘dDSAB ulk-OZZO Transfer Group Portfolio Transfer Batch 641 126 36698 N/A "~24 rr‘ -ib‘x FileName Sherman-BrandsCostcoPreviouslyEnrolledDSABulk-0220 Sherman-BrandsCostooPreviouslyEnrolledDSABulk-0220 Sherman-BrandsCostcoPreviouslyEnrolledDSABuflk-0220 Sherman-BIandsCostcoPrevioustEnrolledDSABulk-0220 Sherman-BrandsCostcoPreviouslyEnrolledDSABqu-OZZO Sherman-BrandsCostcoPreviouslyEnrolledDSABqu-O220 Sherman-BrandsCostooPreviouslyEnrolledDSABulk-0220 Sherman-BrandsCostcoPreviouslyEnrolledDSABulk-0220 Sherman-BrandsCostcoPreviouslyEnrolledDSABu"(-0220 Shennan-BrandsCostcoPreviouslyEnrolledDSABulk-0220 Sherman-BrandsCostcoPreviouslyEnrolledDSABu|k-0220 Sherman-BrandsCostcoPreviouslyEnrolledDSABulk-0220 Sherman-BrandsCostooPreviouslyEnrolledDSABulk-0220 Shannan-BrandsCostcoPreviouslyEnrolledDSABuIk-0220 Sherman-BrandsCostcoPreviouslyEnrolledDSABqu-0220 Sherman-BrandsCostcoPreviouslyEnroIIedDSABqu-OZZO Sherman-BrandsCostcoPreviouslyEnrolIedDSABu"(-0220 Shenhan-BrandsCostooPreviouslyEnrolledDSABu"(-0220 Sherman-BrandsCostooPreviouslyEnrolledDSABulk-0220 Sherman-BrandsCostooPreviouslyEnrolledDSABulk-0220 Sherman-BrandsCostooPreviouslyEnrolledDSABqu-0220 LineNumber 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 ACCOUNTNUMBER SAL SEGMENT [Redacted]0695 [Redacted]6556 [Redacted16387 [Redacted11243 [Redacted14526 [Redacted]8469 [Redacted]5690 [Redacted]4135 [Redacted]1 946 [Redacted]4391-3624 [Redacted]4876 [Redacted12240 [Redacted18407 [Redacted]3124 [Redacted]9329 [Redacted]2224 [Redacted]8619 [Redacted15677 [Redacted]8146 [Redacted]9504 PRODUCTIDENTIFIERCODE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 521 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] . r._._,_A{.TTCI";I. PRODUCTDESCRIPTION [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] Costco Anywhere Visa Card by Citi Acq [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] SALEID [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 021 120$H1 MU3|B [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] SALEAMOUNT [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 401 9.50 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] PRINCIPAL [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 351 8.90 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] PREC ARGEOFFINTEREST [Redac ed] [Redac ed] [Redac d] [Redact d] [Redact d] [Redact d] [Redact d] [Redact d] [Redact d] [Redact d] 325.60 [Redact d] [Redacte ] [Redacte ] [Redacte ] [Redacte ] [Redacte ] [Redacte ] [Redacte ] [Redacte ] PRECHARGEOFFFEES [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 1 75.00 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] x?!“ POSTCHARGEOFFINTEREST [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] r [Redacted] 0.00 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] POSTCHARGEOFFFEES [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 0.00 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] ORIGINALLOANBALANCE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] CHARGE FFBALANCE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 4071 .79 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] CURRENTBALANCE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 4071 .79 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 1“"..71‘3.“ L JLL'I ACCOUNTOPENDATE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 201 6707-30 00:00:00.000 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] DEFAULTDATE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 201 7-04-24 00:00:00.000 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] CHARGEOFFDATE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 2017-1 0-24 00:00:00.000 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] LASTPAYMENTAM UNT LASTPAYMENTDATE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 132.00 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 201 7-03-06 00:00:00.000 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] LASTPURCHASEAMOUNT LASTPURCHASEDATE LASTBALANCETRANSFERAMOUNT LAS BALANCETRANSFERDATE [Redacted] [Redacted] [Redacted] [Re cted] [Redacted] [Redacted] [Redacted] [Red cted] [Redacted] [Redacted] [Redacted] [Red cted] [Redacted] [Redacted] [Redacted] [Red cted] [Redacted] [Redacted] [Redacted] [Red cted] [Redacted] [Redacted] [Redacted] [Red cted] [Redacted] [Redacted] [Redacted] [Red cted] [Redacted] [Redacted] [Redacted] [Red cted] [Redacted] [Redacted] [Redacted] [Red cted] [Redacted] [Redacted] [Redacted] [Reda ed] 2017-02-14 00:00:00.000 [Redacted] [Redacted] [Redacted] [Reda ted] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Redac ed] [Redacted] [Redacted] [Redacted] [Redac ed] .... 1.. LASTCASHADVANCEAMOUNT LASTCASHADVANCEDATE TOTALPAYMENTSPOSTCHARGEO F TOTALNSFPOSTCHARGEOFF [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Rédacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 2016-08-19 00:00:00.000 0.00 0.00 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [RedactedI [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [SESSI- TOTALCREDITSPOSTCHARGEOFF [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 0.00 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] CONSUMERFIRSTANDMIDDLENAME [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] HONGNGOC V [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] CONSUMERLASTNA E [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] LUU [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] CONSUMERRESIDENCEADDRESS1 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 3900 MOORPARK AVE APT 162 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 7- c; szrj; g, _-u L CONSUMERRESIDENCEADDRESSZ CONSUMERRESIDENCECITY CONSUMERSTATE CON UMERZIPCODE [Redacted] [Redacted] [Redacted] [Red cted] [Redacted] [Redacted] [Redacted] [Red cted] [Redacted] [Redacted] [Redacted] [Red cted] [Redacted] [Redacted] [Redacted] [Red cted] [Redacted] [Redacted] [Redacted] [Red cted] [Redacted] [Redacted] [Redacted] [Red cted] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ed] SAN JOSE CA 95117 806 [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ted] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ted] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda ed] [Redacted] [Redacted] [Redacted] [Reda CONSUMERRESIDENCECOUNTRY [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] CONSUMERRESIDENCEPHONE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] e ac e [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] BADNUMBERINDICATOR [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] W [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] I l8!a!le! I [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] CONSUMERSSNORSIN CONSUMERBIRTHDATE AWARENESSINDICATOR LANGUAGEINDICATOR ATTORNEYLAWFI M A'ITORNEYNAME [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] Redacted [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 01 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] FREEDOM DEBT RELIEF [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] A'lTORNEYPHONE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] Redacted [Redacted] - [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] ATI'ORNEYADDRESS [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] PO BOX 2330 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] ATTORNEYCITY ATTORNEYSTATE ATTORNEYZIPCODE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] PHOENIX [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] AZ [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 85002 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] BANKRUP CYCHAPTER [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] BANKRUPTCYFILEDATE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] BKPROOFOFCLAIMPRINCIPAL [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] BKPROOFOFCLAIMINTEREST [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] BKPROOFOFCLAIMFEE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] BANI RUPTCYCASENUMBER [Red cted] [Red cted] [Red cted] [Red cted] [Red cted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Reda :ted] [Reda :ted] [Reda :1ed] [Redat‘ted] [Reda [Reda [Reda [Redac [Redac ed] ed] . ed] ”ted] ted] [Redacted] BANKRUPTCYTRUSTEE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] E9230; COBORROWERFIRSTANDMIDDLENAME [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] COBORROWERLASTNAME [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] COBORROWERSSNOR IN [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] PRIORACCOUNTNUMBER1 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 4100390046833626 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] PRIORACCOUNTNUMBER2 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted]_oooo [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] PRIORACCOUNTNUMBER3 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted]-uooo [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] PRIORACCOUNTNUMBER4 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted]_0000 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] PRIO CCOUNTNUMBER5 LENDlNGLEVEL1 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] COST [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] L13 V‘.~Il LENDINGLEVEL2 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] COST [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] Email [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] Consent [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] N [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] eStatement [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] bkt6_lntAmt [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 52.29 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] HONGNGOC V LUU Member Since 2016 Account number ending in: 3624 Billing Period: 02/24/17-03/23/17 How to reach Us www.citlcards.com 1-855-378-6467 TTY: 1-866-210-0617- PO Box 790046 ST. LOUIS, M0 63179-0046 Account Summary ' Minimum payment due: $53.00 Previous balance $3,650.90 P ments - 132.00New balance: $3,533.50 av . S Credits $0.00 Payment due date: 04/21/17 Purchases +5000 Cash advances +$0.00 Late Payment Warninng we do not receive your minimum payment by the Fees +5000 date listed above, you may have to pay a late fee of up to $37 and your APRS + may be increased up to the variable Penal-ty APR of 29.99%. InterESt $14.60 . i New balance $3,533.50 Mlnlmum payment warnlnq:lf you make only the minimum payment each period. you will pay more in interest. and it will take you longer to pay off Credit Limit your balance. For example: . . . If d r I I f Credit lent , ch20” mak? no a- d tlona You WI” pay onfotrtce e aylng an estimated Includes $1,200.00 cash advance limlt ----- and each month you pay... statement ln about... otal of... Available Credit Limit $466 Only the mmimum payment 16 years $7.403 Includes S466 available for cash advance $124 3 years 54'464 (Savings = $2,939) For information about credit counseling services, call 1-877-337-8187. 000000 NC 00 A O HONGNGOC V LUU 3900 MOORPARK AVE APT162 SAN JOSE CA 95117-1834 Pay your blll from virtually anywhere wlth the Cltl Moblle® App and CltP Onllnew To download: gig Text 'App1s' to Mycm (692484) "‘1’?” or go to your devlce's app store. Or vlslt www.cltlcards.com Costco Cash Rewards Summary as of 03/23/17 $0.00 » See page 3 for more information about your rewards Please print Address Changeson the reverse side Minimum payment due New balance Payment due date Amount enclosed: Account number ending in 3624 Cltl Cards P0 BOX 78019 Phoenix, AZ 85062-8019 $53.00 $3,533.50 04/21/17 HONGNGOC V LUU www.cltlca‘rdsxom Page 2 of 2 1-855-378-6467 TTY: 1-866'210-0617 CARDHOLDER SUMMARY ACCOUNT SUMMARY Sale Post Date Date Description Amount Payments, Credits and Adjustments O3/Og PAYMENT THANK YOU $132.00 Fees Charged TOTA-L FEES FOR leS PERIOD _ $0 09 Interest Charged 03/23 INTEREST CHARGED TO STANDARD ADV $0.74 03/23 INTEREST CHARGED TO STANDARD PURCH $13.86 $14.60 2017 totals year-to-date Total fees charged ln 2017 $0.00 Total interest charged 1n 2017 Interest charge calculation Days in bunng cyclezze Your Annual Percentage Rate (APRHs the annuaI interest rate on your account. Annual percentage Balance subject Balance type rate (APR) to Interest rate Int erest charge .éyfégflasgs:............... . ......... Standard Purch 0.00% $3,532.57 (D) $0.00 3 (Introductgf'y Rate Expired 03/14/17) _ __ standard Purch 15.99% (V) $3.514.05(D) $13.86 I(_§ta_nda.rd Purchase Rate After 03/14/17) {Iééyiééiéééfl .......................... . """"""""""""""""""""""""""" Standard Adv 25.99% (V) $37.22 (D) $0.74 Your Annual Percentage Rate (APR) 'Is the annual interest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (including current transactions). Account messages If you have not received your new card, piease call the Customer Service number on this statement. Please be sure to pay on time. If you submit your payment by mail, we suggest you Rwail it no later than 04/14/2017 to allow enough time for regular mail to reac us. Costco Cash Rewards Summary Total Co'stco Cash Rewards Balance: $0.00 Costco Cash Rewards Summary Costco Cash Rewards balance as of last statement ............................. +$0.00 Earned thls period .................................. +$0.00 Total Costco Cash Rewards Balance Year To Date: $0.00 Costco Cash Rewards Earned This Period 4% on ellglble gas worldwide. lncludlng gas at Costco' ......................................... +5000 3% on restaurants ................................. +$0.00 3% on eligible travel worldwide .......... +$0.00 2% on Costco and Costco.com .............................................. +$0.00 1% on all other purchases ................................................. +S0.00 Total Earned: $0.00 ‘Up to $7,000 per year in purchases, then 1% cash back EXHIBIT C _§Wfl_fi ‘F- ZEAJESI‘U 1 HONGNGOC V LUU Member Since 2016 Account number ending in: 3624 Billing Period: 09/26/17'10/24/17 OCTOBER STATEMENT www.citicards.com Customer Service 1-800-846-8444 TTY-hearing'impaired services only 1-866-210-0617 PO Box 790046 ST. LOUIS, MO 63179-0046 Your account is past due. Please pay at least the minimum payment due, which Minimum payment due: $4 071.79 includes a past due amount of $765.00 and' an overh‘mit amount of $71.79.New balance as of 10/24/17: $4,071.79 Payment due date: 11/21/17 Account summarv Previous balance $4,019.50 Late Payment Warning: lf we d0 not receive your minimum payment by the Payments $000 date listed above. you may have to pay a late fee of up to $37 and your APRs CFEdItS ‘50-00 may be increased up t0 the variable Penalty APR of 29.99%. purchases +5000 Minimum payment warnlnqzlf you make only the minimum payment each CaSh advances +5000 period, you will pay more in interest, and it wil! take you longer to pay off Fees +5000 your balance. For example: + . If you make no additional You will a aFges-usifiq-tmsrarr" a ance shown on the ay'lng an estlmated and each month you pay.“ statement in about... otal of... New baiance $4'071'79 Credit Limit0m the minimum a ment 1months $4.072 . . .V p V Credit lent $4,000 For information about credit counseling services, call 1-877337-8188. Includes $1,200.00 cash advance limit Pay your blll from virtually anywhgre Minimum payment due $4,071.79 wlth the Cltl Moblle‘ App and Citl” Onllne T I a New balance $4,071.79m odown oa '’ ' g; Text IApMsI to MYCIfi (692484) Payment due date 11/21/17 OOOOOO NC 34 A O HONGNGOC V LUU 3900 MOORPARK AVE APT 162 SAN JOSE CA 95117-1806 or go to your devlce's app store. Or visit www.cltlcards.com Amount enclosed: Account number ending in 3624 Citl Cards PO BOX 78019 Phoenix. AZ 85062-8019 C. (:1) ,. A www.cltlcards.com Customer Service 1-800-846-8444 Page 2 0f 2 TTY-hearing-impaired services only 1-866-210-0617 HONGNGOC V LUU CARDHOLDER SUMMARY ACCOUNT SUMMARY Sale Post Date Date Descrlptlon Amount Interest Charged FOE?“ . 'NTEREST 9.363%” T9 STANDARD ADV............................... $.93? 10/24 INTEREST CHARGED To STANDABQRUFng ____________$35291 TOTAL INTEREST FOR THIs PERIOD $52.29 2017 - - Total fees charged in 201T $175.00 Total interest charged in 2017 $381.87 Interest charge calculation Days in mmng cyclezzg Your Annual Percentage Rate (APRHS the annual Interest rate on your account. Annual percenta e Balance subject Balance type rate (AP ) to Interest rate Interest charge iéfiééifiéiéééfiifiiiliiiiiiii‘jiiii12122111IifiIiiZIIIiiiiiiili21121111iiiiiifiiiiijiiii.’2131331112112iIiIIIIIZI Standard Purch 16.24% (V) $4,031.14 (D) $52 o1 iéfifiifiéééiliiiIiiiiIiiIIIIZIIIIIIIIIIiIijiiiiiiiiiliiZlZiZiIiiijiiiiiiiIiIiZIIIIiiliiIIIiIIIZIIIQIIZIIIZIIIfii Standard Adv 26.24% (V) $13.55 (D) $0.28 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method ('Induding current transactions). Account messages Minimum Payment Due includes past due amounts. Your account may be with a collection vendor and when you call our number, you may be referred to the vendor. Please call the tolI-free number shown above Monday-Thursday 8am to 6 pm or Friday 8 am to 5 pm, Central time. 1-800-846-8444