Complaint Limited Filed by Assignee 5KCal. Super. - 6th Dist.May 3, 202110 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 E-FILED 5/3/2021 9:59 AM BRYANT BURNSTAD, SBN 297286 C'erk 9f court RESURGENCE LEGAL GROUP, PC SUPer'Or CCU” 0f CA, 10805 Holder Street, Suite 167 County 0f Santa Clara Cypress, CA 90630 21 CV381 203 (T) 877/440-0860 (F) 714/226-0024 Reviewed By: R. Cachux EMAIL: CAAttorney@ResurgenceLegal.com Refer to File Number: TP097390 Attorney for Plaintiff SUPERIOR COURT OF THE STATE OF CALIFORNIA COUNTY OF SANTA CLARA, DOWNTOWN JUDICIAL DISTRICT DOWNTOWN COURTHOUSE AUTOVEST LLC, ) CASE NO. 21 CV381 203 ) Plaintiff, ) COMPLAINT FOR MONEY ) V. ) 1. Breach of Contract ) 2. Open Book RAN MARON, ) 3. Account Stated and DOES 1 through 15 inclusive, ) ) Limited Jurisdiction Defendant(s). ) [Demand Amount: $4,078.01] ) ) ) ) ) GENERAL ALLEGATIONS 1. At all times mentioned herein, Plaintiff AUTOVEST LLC was, and now is a LIMITED LIABILITY COMPANY, duly organized and existing under and by Virtue ofthe state 0f its formation and at all times herein and is successor-in-interest ofAUTOMOTIVE CREDIT CORPORATION, and is qualified t0 conduct business in the State 0f California. 2. The true names and capacities ofDefendant(s), DOES 1 through 15, inclusive, are unknown to Plaintiff at this time, who therefore sues said Defendant(s) by such fictitious names. Plaintiff is informed and believes, and thereon alleges, that each Defendant named as a DOE is responsible for each and every obligation hereinafter set forth. 3. Plaintiff alleges that the Defendant(s), 0r some of them, reside in the above-cited Judicial District. The obligation sued upon is not commercial in nature and is not subj ect t0 the provisions of 1 COMPLAINT FOR MONEY “X93 Kan 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Civil Code, §2984.4, nor Civil Code, §1812.10. 4. Defendant(s), and each 0fthem, entered into a contract to purchase a vehicle 0n credit (hereafter the "Contract"). Defendant(s) incurred this debt by defaulting on the Contract by failing to pay the agreed upon payments. A copy ofthe Contract is attached as Exhibit "A" and incorporated by reference t0 this complaint. 5. Plaintiff is a debt buyer. Plaintiff is the sole owner of the debt at issue. 6. Plaintiff acquired and/or was assigned the Contract for value, without knowledge of any defenses, and is now the bona fide owner 0f all rights, title and interest under the Contract. A copy 0f the chain of title is attached hereto as Exhibit "B". 7. Plaintiff has demanded payment 0f $4,078.01. 8. The balance at charge-offwas $4,068.34. The total amount ofinterest after charge-offwas $.00. The total amount 0f fees after charge-offwas $9.67. The total amount 0f credits after charge-off was $.00. 9. The date of last payment is September 13, 2018. 10. The charge-off creditor was AUTOMOTIVE CREDIT CORPORATION (the "charge-off creditor") located at 26261 EVERGREEN RD STE 350, SOUTHFIELD MI 48076. The account number associated with the debt was *8939. 11. The name(s) and last known address(es) of Defendant(s) as they appeared in the charge-off creditor's records prior to the sale 0f the debt was RAN MARON, 729 WINSTEAD TER #729, SUNNYVALE CA 94087. 2 COMPLAINT FOR MONEY 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 12. The names and addresses ofall persons 0r entities that purchased 0r were assigned the debt after charge-off are: Name Address AUTOVEST LLC 26261 EVERGREEN RD STE 350, SOUTHFIELD MI 48076 13. Plaintiff has complied With California Civil Code section 1788.52. FIRST CAUSE OF ACTION (Breach 0f Contract) 14. Plaintiff refers to Paragraphs 1 through 13, and by this reference incorporates the same herein as though fully set forth. 15. Defendant(s) defaulted 0n the terms of the Contract by failing to make the requisite payments set forth in the Contract. 16. After allowing the Defendant(s) all just and commercially reasonable set-offs and credits for all monies received, less expenses chargeable pursuant to the terms ofthe Contract, and all other credits due the Defendant(s), if any, Defendant's account carries a balance in the amount 0f $4,078.01. 17. Plaintiff suffered damages 0f$4,078.01 as a proximate cause ofDefendant's breach. Defendant has failed to pay the above-stated amount, despite being duly demanded. 18. Plaintiff has performed all obligations to Defendant(s) under the Contract except those obligations Plaintiff was prevented or excused from performing. SECOND CAUSE OF ACTION (Open Book Account) 19. Plaintiff refers to Paragraphs 1 through 18, and by this reference incorporates the same herein as though fully set forth. 20. Defendant(s), and each 0f them, became indebted to Plaintiff within the last four years on an open book account for $4,078.01. The open book account reflected all the credits and debits involved in the financial transactions between Plaintiff and Defendant(s) related t0 the Contract. 21. Although demand for payment 0fthe sum of $4,078.01 has been made upon Defendant(s), and each 0f them, Defendant(s) have failed and refused, and continue t0 fail and refuse to pay said sum. 3 COMPLAINT FOR MONEY 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 This balance is due, owing and unpaid. THIRD CAUSE OF ACTION (Account Stated) 22. Plaintiffrefers to Paragraphs 1 through 21 0fthis Complaint, and by this reference incorporates the same herein as though fully set forth. 23. Within the last four years, an account was stated by and between Plaintiff and Defendant(s) , and each 0f them, wherein it stated that said Defendant(s), and each of them, were indebted to the Plaintiff in the sum 0f $4,078.01. Although demand for payment 0f the sum 0f $4,078.01 has been made upon Defendant(s), and each 0fthem, Defendant(s) have failed and refused, and continue t0 fail and refuse t0 pay said sum. This balance is due, owing and unpaid. WHEREFORE, Plaintiff prays for judgment against Defendant, and each of them as follows: AS TO ALL CAUSES OF ACTION: ° For the sum of $4,078.01; ° For costs 0f suit incurred herein; and, ° For such other further relief as the Court may deem just and proper. DATED: April 30, 2021 RESURGENCE GAL GROUP, PC By: {BRYANT BURNSTAD, SBN 297286 Attorney for Plaintiff 4 COMPLAINT FOR MONEY File TP097390 EXHIBIT “A” HETAWLLMENT SALE CONTRACT - S|MPLE FINANCE CHAWBITRATION PROVISIONi Dealer Numberl Comram Number__ , no.5, plumber___ sxook Number Buyer Name and Address Coauysr Name Ind Address Sellervcvedim (Name and Address) (nncwgfigm and mp Code) unmodmg County and zrp Code) “cu ‘m zoauo nms‘rnn 1n 0136 964 I n cannu um. cuuuno ca 95014 5mm CA. 94037 urn mu (orcashoronmdlj m Nseonlrl u thawtidsonuadlurflerlhe mmfrgunyaflréabnfuggtamm' ”(Wt). $2323: ghiggbseelm- oredinor (sometimes y msé‘ n?gns 'm mis c?m’rgagmemwfimnm am finance cnarge in mam lo lhe paymem schedule hem. We wil figure your finance charge on a deity bas's. The Tmlh-Intending kscbsures helm ave pan ol lhis contract New Make I Used Vear and Model Odometer Vehicle Identificalion Number Primary Use Fov Which Purchasedm Personal. (:me ax housemd Ines: otherwise mama! bekm. SED 20M Gum canvas 139929 Dbusaness or menial FEDERALTRUTH-lN-LENDING DISCLOSURES STATEMENT _OF INSURANCE ANNUAL FINANcE Amount om 1 Tom Sale mgmwalm‘wmfi PERCENTAGE CHARG Financed Price “mmm aPammMm,“mm aw“ o,RA1E The_anwyl of ‘ ounl The total cos! cl mm"mm m, "mu b myWmmm uThe cost ol amount me clean promded wll your _pugmasq on v v omy 0,“Mame, mm,” your cvedn as credmil w you 0' mm "Id w:mmbeamor hmeaamppmm prunes: a yearly rats. cost you. on your Denali. payments as yourWd- 2 W‘g‘, I Vehicle Insurance >- u Tum Prnnlum 16.863 % s 177,59“) s 5423.3§) 3 6206.01 e) g nus.Mm s I/A Mlmqmsmfi _h 5 l/A (e moans an estimate s A Dadafim _Ins. s "A voun9mm" scuiwLemu. as: mm, 5 l/ILMS #h s l/A Nurmer M Payments: Amount M Mans: When Paymls Au Due: pmW 5 l/A‘ 3mm h s "A mmmof WA mm '11 ins Ill l/A __h s I/A mummm . WA wmmu‘umMm s 'I‘ muss A owes Is muuzu w nus AGREEMEm row0mm m mwwwwwem 35 1'12 .39 ”°th 395%"39/15 fiwfigmwrhmm In3flimam m v” r... 'uwx v Co-Buyorx 'A - \__/-’ °"‘""""‘V"‘°'“ 112 .39 7/13/19 5°”"xfl7L--A-- I-I-m-n- r 0911mm om cauchxnou mnsman.mmgwnwwmwflgmgfnmmm WW3! mjgzqmmm“ama mm Mm" ‘ mamam. llyou menu mhuy amm lm chemmemwmmmmmm 3mm Wis. isshwnnnunlxKdlmnerrizatmommmF-xammamas”___ demism thalamusm rrEuIzmou OFTHE AMOUNT mum: (sum my Imp pan a m.mm: pan Io 0mm.) mg'fl‘vm ‘l B a Pm MmMm 1. TamCuh Pile. Tenn Mos.___ A Cash Prim o: Motor Verdun anaWigs SM“) ”c‘wm‘mm" Lmmwm s 6500 _ On lwnm lo buy a den canwllallo agreement a Cash Price Accessmes s l/A m,smrfl é 41/77 a firm“) ‘ n/A ovnomu. ssmnce ‘Cflamcns) ml; ram m ' Dam < E/A Waymamtar me (erm(s) sum ham Ior me _ 65 . Do marge“) sham hilem B, Downer! onoassng mam (nu aWm lac) S__(8) c‘ Emissiomasmg cums (nu aWm lea) sfi (c) n Company n. (091mm Damem Dams) TermA Mos m_IL Mae; 1 (pan m) “/5 S n/A (N) [2mnpany_-_- 2 (paidn)l/A_-s-WMM Tum_l&_mam_1&_mes a (paw l/A < EIAIDS) “MM_- E. (Opzimal) swam Fromm Prams) Tenn__UL Mos. or_HL Miss 1 (paidml lh S H/AtEll [AMM z (panm s n/A (E2) Tam Ill Mus m _ltL_ Miles F. Evuamsmi...(paaum)___-s-N/A(F) [seompmy-_ c Samraummuanmmmgm SMM Tami m_A_mes H. Emmwru mmmmmsm cma s_uyg'Ti- g.fl:- - s N/A 1H1 gm‘ L (omensm (mums) 1.Mimi I (paidm S "IA l") Vear_ Make 2 (paid w) s KIA "2) Made:#Odommer 3. Ma ml s n/A (Ia) VIN 4, 1pm ml ‘ s/A ‘1‘) a, Agveed Value a! Properly S-m 5‘ 1pm Io)___._________ s_ElAUS) n mummymm nude Emmy sL .L Priovcredil 01L nae Balame (e) pal by SeHano c‘ Agreed Value of Properly Venicls ‘ 'i" l/A s F/A U) Being Tradea-In (n-b) sL (see downpaywm and "awn wanna") d. Prior Credit or Lease Bawance s K, (09mm) um Camelamn Agreemem SM“) e. Net Tma-In (c4) (must be 2 o L. (091ml) Used Vanda Coma omeuamn opummm". L_FLULI cmW/wmr m rem.mm sL M. ommpaa m) s_uA(Ml 2mg Fur-'_ Year- Make___-___ M. ommpaid m) s_NQW) Model_- Odometer#Fm- VIN ma! Can Prim“ mongr- N) 3m (1) a. Agreed Value o! Propeny s11m- 2. mmm «o Puwc omen b.mmmmm: Ingemm sL A. Vehicle Umse Fees Eitillte s___m(l) c. Agreed Value at Propeny a Rejmniw‘tunssarrmng Fm s__15..nn_(fl) aemgrraumn (H) snm- c. eamamiaTu Fm $_._EZA.(C) u. Prior Credit or Lem 3am» snm___ u, om" Squ ’n-nsfe: Fee s n/n (D) s. Nsnmln (c-d) (muslbe a o Ioumwmuumgno) s_anfl (2) mmr/oowioxeuhmm sum- 3. Annual hid In Instance Companies mm mm... 1mm 931mm o: Mm.) s_m (3) ram Agreed Value o1 Prepay 4.D smeEmmommm Fa m D sm- Emlulm Exmpuonm s_fl_nn (4) aeang mu-In (mac) s nm ' s. smmu mow- 4) $4223.35 (5D 1am Prior wit ac Laue o. TomMum! Balance (wad) Snm- A, Towum Value a Pmpony mamas”.(m Tmo-numb». SARI“) 1cm Nu mae-m (mac) sflm_' m1s_fl_nfl_wnide2 5....__n...nn_ (-swaamwmmummwumanm a Tow Les Pm.mm m Lem Balance (s) s__._n_nl]_(8)mummémwasA DVou pay no finance marge u me C. Tonal Meflrade-ln [A-B) (Mare! negame rumba) 3-0-01“?! Amount Financed, item 7. is paid in lull an\5_Lmnzs-ILL belore__-,Veay D. Devened Dompnymem Paynua «a Selim s_ELAJD) E. uanuiacmrs nebula $_§&(E) EWer______-$SAW e. Cast; Cash Eqmvalm Chock. cram Cam. u Dem Cam 3m (G) tommmmu (c mug] G) s_ZEszlm (6) (ummcmuummlmsmmmamthmuupumnmmnum) , 1. manned (s Ions) s 5423 35 m "-‘ “ ‘ ' umuu momwour ‘- '~‘ ‘ (‘, * * PriovaedimLeaso. w Balams in Trada-ln Vehfidqs)‘ Vnu understand mt me amounlquoted is an estimate. Selle! agvoes w pay Ihe payoil amour“ shown as me Pviov Crafil ov Lease Balance In Tradaln Vehide(s) (a me Hennmev av lessor d the uade--\n vemdqs) o: m designee, ll Ina actual payofl amounl's move than tho amoumsnolm asthe Pnoi Cram! 01 LeasenBa‘ame 'lITvade In Vatidus) you must ply ms Sole! me ewesson demand W ma payoflamuum Is Ins thnteammsmehmmas PMCvedt LeaseBalaneeinTrade Vehidem Selerwl :MbyouanyuvevagaSaflwmimhnmym pr'nr Iienmdemiessorjxoepas shied h the MHCE‘ on Wadi ol_mvxcdowanymm 01 ml: oolrmcl le ml buobfgalsd I: pay Ihe PW Credtu Laase Balance i'mm'In des- In Vehide(s) or any Mum. Buy" Signaturg X Co-Buyer slnmhm X___-_- AU‘I'O BROKER FEE DISCLOSURE l1 this contract nflma flu Mall uh all nut mmarvehldemleuln ls ml sublact Ina Iee mind by an mobmkemom us unlunhe following box is checked: D Name ol automaker reoelving iee, I! applicable: now nus comma CAM BE CHANGED. ms commamans me mm. agnmammum yuu am us mlan'ng m ms comm Any many: m me mmmn mus: be in writthndbnlhyw dmnmlsl mt. wmmmflm‘m. Bw-s'w V“ m_«m‘ SELLERS MGMTOCANCELIIMCIIM Co-Bwevi'flnm. "‘ ' ' ' ' ' unmet ', HIS”. tusoomad b a firml' away x {44 7M eo-auyer x MWWELELMBIIHISWEEMS Ml!MEET “Emmi! WAWFVDUIMEUWEWMWMRammflsmlmmvmmmfllmvmmmmflmflflflofmmmmommvouI mnwwfl'flmcmnmmofllflmmmmmnmmsrs MSW”WMVEMLWEWLLmFMleflOflMIMIEAVMLETOMWWRWCEKEMORWWGHMWm.mmm$m"(5meme “Em WVUPWTIEMWOF 'I'IEUNFAID Mull!WING AFI'ERTHEVEME MSIEIWSEDMDSOLRWRWONWHWEWTWPWMMMWWLOSSWMWWWWWMWWWWWWWENTWEUmmWSEFUMmmmnmm Mn“14m x mmmmnmmnfimnmswx Memo Myer: (1) Do not sl n thls agreement before you read nor I1 ll contains any.bunk spaces m be filled In. (2)Vou are entlllad (o a commas” filled In copy 01 ml: agreement}; (3) uun prepay me tull amount due undu Ihls Iammam I1 my tlmo (4) l! you dmu nlho perlommm1oroyou lions ' lunderlms agreement a vehlcle may be repossessed am you may be mlod Io suil Ind IiIhiIity tor 1h. unpaid indebtednus widuncod by lhis agreement. flywmnmmmmmsm,mmlflwnnnm III"mm‘ 3': a nu mm¢ M I ”I s: u: u um". Buyer slgmm xfl_AM Co-Buyev slgnmn X The Annual Peicentage Rate may be negotiable with the Seller. The Seller may assign thls contract and retain its rigm to receive a par! of the Finance Charge. THERE Is Mo ooouuem Psmon uuLess vou0mm Acomm cmcaunou omen gm.“REWPE'gTam’mswmmm" v WW '1; m ... ,0“meGWEmovw. novwwmimmommmommunwulmwmmmmmmmmwm,Mum mammlnmmhnulu 5054'" SIDES opmnfiwgmflun flm‘em r --- 'wywmwim WW mrnumammouam:smallam . M'W" maaow. vou oovmnmounecemumm..-,2w w» mmvmsmomwmwmnm Buyer SIgnature x_MBalm Co-Buyer Signature x mammahevmwu-Aoo-buyniupomnMoBmmwmmamummmommuisnpemwhosemmismmmmmmm-m Mvempsylmdebl Theatre:mvumlommmminmmfiwnu;nmm OIMr 0mm slannm Y Mm.“ GMMNTV: ' ' m ' ‘ ' ' ' 'mimfld.mflmflhhhhm _ ‘ “ _ ' ’ a ' Furman- pgm.uu,u r. r. aw 7 w-u-uwl, . . . "'“““" “"" ‘ ' ' - . Gunnnm x_M_ / Dam ammo: x _ Om/\- Adam me- SollerSEfiE (I DWL aunr npeumr Tm A. Qflmfif‘x’mfirm mm.._..m...mm.ummummmwmm-mvwmmm ORIGINAL LIENHOLDER OTHERIMPOHTANT AGREEMENTS > - ‘ . ‘ ' ‘ ' .. 1._ FINAHNCE CHARGE AND PAYMENTS We wlll loll the vehlcle If you do not gal ll bade." you wlll "guru Flnanca Charge. We will ligul's ma do not vadeam. we will sail the vehlcle We will send yuu a‘ Finance Charge on a daily basis al me Annual Percentage wrillen notice m sale belore selling Ihe vehicls Rate on me unpaidpan 01 he Amount Financed Seller - We wIII apply the money lru [he sale. less aHowed Credilor may receive pan of the Finance Charge expenses 'o the amoum you owe Allowed expenses are b. How wu wlll apply mm.um We may appiy each expanses we pay as a dlrect result 01 taking the vehicle, payment Io Ihe eamed and unpaid pan o! the Finance ‘ holding it. pmparing itforsale, and selling iLAIlorney fees Charge [o the unpaid parl cl the Amounl Financed and (o and court costs the law permits are also allowed expenses o‘her amounts yau We undermis contract In any order we ' II any money is Isfl (surplus), we will pay it lo you unless hoose. » the law requires us to pay il (a someone else. fl money Vrom c. How late payments ar early payment change what you the sale ls not enough to pay the amoum you owe. you mutt pay. We based me Fnance Charge, Total 0| must paythe rest Io us ll you do no| pay mis amount when Payments. and Total Sale Price shown on the front on the ' we we may charga you interest at lhe Annual assumption ma! you will make every paymeeonm me day il ‘ Pevoenlnge Rala shown on lhe face 01 this conlracl, not lo is due Your Finance Charge. Total a! Payments, and Total : ‘ exceed Ina highas1 rate permitted by law. umil . Sale Price will be more fl you pay lam and less if you pay g. Whal m muy do about opilonll Inauranca, maln- early Changes may taka the lorm of a largeror smallar final unmet. servloe, or other comrlcu. Thls contract may payment 0r, at our omion. more or Iewer payments ol lhe contain chalges lo! optional insuvance, maintenance, same amount as your scheduled payment with a smaller service, or other connects. II wa demand mat you pay all .flnal payment: We will send you a notice telling you about you owe al once or we repossess the vehicle. ym agree these changes belorethe finalscheduled payment is due. that we may claim benefits under these contracts and d. Vou may.prepuy. You may prepay allor part 01 the unpaid cancel them to oblain relunds ol unearned wages m pan of the Amount Financed a1 any time. I! you do so, you reduce what you owe or repalr me vehicle‘ ll the vehicle Is mus! pay me earned and unpaid pan o! the Flnance a lam! loss because Ms mnflscaled. damaged. or stolen. Charge and all other amounts due up lo (he dale ol your we may claim benefits under these connects and cancel payment. As of me dale 01 your payment. ll (he mlnimum them lo oblain MUMS ol unearned charges w reduce what finance charge is greater man me earned Finance Charge. you owe you may be charged me diflsrencs; the minimum linancne charge is as follows‘1( ) $251 il the original Arnu 4. WARRANTIES SELLER DISCLAIMS Financed does no: exceed $1 000 (2) $50 ll me orlginal I1 you do no! get a wrlnen warranty, and the Seller does nm Amount Financed‘s mule lanh $1.000 but nm more man ante: Into a service contract within so day: from the date M , $2.000. or(3) $75 ifmeoriginal Amount Financed is more mls contract, tho Seller make: m walramln, uprau or than $2.000‘ - r Implled. on Ills vehlcla, and men wlll be rm Impllla . warranties cl merchanmblllty or ol (liness (or a panlculnr 2. voun omen Paoulsssm us purpou. a. IV Illa vehicle is damaged. dofiboyld. or mlulng. Ybu This provision does nolaIlsa any warranties ooveri agree m pay us all you owe underth‘s contract even i1 ma - vehicle mat me vehicle manulacmrer may provide. ll me Seller vehlele Is damaged. destrwed, ormisslng. has sold y_ou a cenlfied used vehicle [ha warranty of GA? UABIerv Mano: - '5 “°‘ ”mam“ In me event of the" or dame e In r vehicle mat . ”suns i" a Mal loss mm mag be avg?!) heme" me - 5. Used Car Buyers Gulde. The Infovmation you see on the amour“ youm under m:?ME: am memmweeds window [arm for ml: vahlcle ls purl o! mls contract.c, you, Insurance same “edcue“ TH]s , lnlormallon on Iho wlndow lonn overrldu any contrarycomma PROVIDES THAT Yonu ARE LIABLE FOR WWW“ '“W“Wm ”‘3 . THE GAP AMOUNT N, optional deb. camallalim Spanish Translation: Guln para ecompradnms de vehiculos agreemem ,0, coverage Of me gap amwm may be undoa. Ln Inloannclén que ve en al formularlo Ge la Mama [m an addmonal charge, vcntanllla para um vehiculn lorma pom del present:m.u infotmnclén del formularlo do Ia munllla deln b. Using mo vehicle. You agree nol lo remove lha vehicle ~ sln eiecto lode dlsposicién en chran‘o contenlda en el from the U.S. ov Canada. or to sell, rem, lease, or wander commie de venu. any interest in me vehicle av mis contract without our wriiten permisslon. You agree no! to expose the vehicle m 6. SERVICING AND COLLECTION CONTACTS misuse. seizure. conllscatlon, o! Invoiumaly transfer. ll we Youagree that we may try to comam you In wrillng. by e--mail or pay any repair bills. storage bills, taxesJines orchalges on uslng prerecordedlartiflcial voice messagas, lexlmeme.ssages and the vehicle. you agree lo repay the amoum when we ask for aulomalic telephone dialing systems. as me law allows. You also agree max we may try lo cuniact you in these and other ways at c. Security lnlarut. any address or telephone number you provlde us, even ll the You give us a seourily interest In: . telephone number is a cell phone number or Ihe contact results The vehicle and all pans or goods in a chavge to you. You ngrec that you will wilhin a reasonable - All money or goods received (pvoceeds) lav lhe tlme nolliy us o! any change In your nnme, address. or vehicle: employment. - AII‘Insurance. maintenance. service. or olharcontvacts we finance f0! 7. APPLICABLE LAW - All proceedslrom'Insurance, malmenance servlce, or Federal law and Oalflolnia law apply lo this contract. fl any part other contracts wa finance [or you. This includes any oi mis contract Is not valid, all other pans slay valid‘ We may Iefunds of premiums olchalgesfrom the convicts. delay 0f relrain from enlorcing any oi our rights under (his This secures paymenl ol all you owe on this contract ll oontvacl without losing them. For example. we may extend me also secures your other agreements in this contract as me time Io! making some paymems without axlsnding Ihe time Ior law allows. You will make sure the title shows our security making others inlerest (lien) in the vehicle. You will not almaany other security interesl to be placed on the lilla without our wrinen a. WARRAN'I’IES OF BUVER psrmimion‘ You promise you nave gmn true and oolrecl inlormaIion in your d. lnlurnnoe you must hlva on lha vshlcI. application for credit. and you have no knoMedge mat will make You agree to have physical damage insurance covering that information untrue in the (umve. We have relied on tin "um lass cl or damage m the vehicle for Ihe term o! mis and accuracy ol mat information in entering inlo this oomracL contract. The Insurance must cave! our Interesx in m9 Upon vequesl. you will prwide us wllh documents and other vehicle. fl you do not have (his insurance. we may. il we inVovmaIion nmssary lo verily any ilam conlalned in your cledzl choose. buy physical damage insurance. ll we decide lo application. buy physical damage Insurance, we may ellher buy insurancemmrsyour interea and our intarasl in t_he You waive the provlslon: of Call!.Vehicle Code Section 1808.21 and vehicle. or buy'Insurance that mvers only cur interest. If we ' authorize me CaliIomia Depamnenl of Motor Vehicles w lumish your buy emartype of Insurance we will tell you which Iypeand - residence address Io us lhe charge you mus! pay. The marge wlll be the premium lor me insurance and a finama charge Dompmad al me CREDIT DISABILITY INSURANCE NOVICE Annual Percemage Rate shown on them!“ ol lhis cpmract CLAIM PROCEDURE av. at our option, the highest rate the law permits ll me llyou become disabled, you mus| tell us right away. (You are adv'sed vehicle'Is lost or damaged you agree mat we may use any to send this information lo the same addressm yous insurance selflemem lo reduce what you awe o: Iepair the normally required to send your payments. unless a diflerem address vehicle or telephone number is given (u you in writing by us as lhe location e. What happens lo rammed Insurance. maintenance. where we wouki llke lo be named.) We wlll Iell you where to get claim sonnet, or othu conlnct charges. ll we get a retund o! lorms. You mus! send In (ho compieted torm m the'Insurance company insurance. mainlenance, service. or other contract ‘ sooan ssspossiMe anallsll us as soon as youdo charm. you agree max we may subhaa (he refund from - ll your disabllily'InsuvancLe covers all ol your missed payment,(s) WE whal you m. CANNOT TRY T0 COLECT WHAT YDU OWE OR FORECLOSE ' OR REPOSSESS ANY COLLAYERAL UNTIL THREE 3. IFVOU PAV LAYE OR BREAKYOUR OTHER PROMISES CALENDAR MONTHS AFTER your first missed vaymem is due or a. You m owe late chalges. Vou wlll pay a late marge on until the Insurance company pays or reject your claim, whichevelr sadl late payment as shown an the llont. Acceptame of a corms lim We can. however try to oollscl. foreclose or reposs la|e payment or Iale charge does not excuse your late you have any money due and owing us or are otherwise in default payment or mean Ihat you may keep making late payments. Mien your disabi‘ily claim Is made or if a senior mongags or lien » ll you pay late we may also take the steps descrlbed belml. holder is fnmcbsing. b. yha all you om nl once. If you break ll (ha insurance company pays me claim wlmin me Ihree eatend r you! promises (default). we may demand that you pay all ‘ months. we mun swept the money as though you pald onlime. IHhs you awe on "Iis contract al once. subject Io any right Ihe insuvanoe company miactsma c|aim within [ha thrae calendar months law gives you to rglnstate thls oanlmct.’ . or accepts me claim within me three mlanda: months on a partial Dafa ' disability and pays less than for a lotal disability. you will have 35 days - Yuou do not pay any payment onfime; (mm (he dale mat the rejection or the acceptance ol the parlial . - You give false. incompie.te or misleading informaflon d‘sability claim is sent to pay pas! due paymenls. or the difference on a credit apprmion ' between the pasx due payments and what the Insurance company - Yuu star! a pvoceeding In bankruptcy oi ans is started , slor the partial dlsabillty plus Iale charges Vou can contact us. against you 01 your p1apemy andswe willlell you how much you owe. After lhal lime we can m - The vehicle Is lost damaged or deslmyed; or action to collem orfioreduse or repossess any eollaletal you may have You bleak any agrsements In this oon rad. ' given. The amount you will awe will be the unpaid pan of the . ll the Insurance company accepts your claim bu! vequirss that you Amount Fnanced pius the earned and unpaid pan c! the ‘ usand In additional forms Io remain eligible for conlinued payments. Flnanoe Charge, any (ate charges, and any amounts due ; ._ youshouId send in these completed addikional Vnrms no laker than becaLise you delau |l.ed . required II you do nol send in these btm nmlima. [he Insurance c. Vuu may have ta pay culleclIon com. You will pay comparry may slop paying, and wa will hensbe"able (olake action lo our reasonable costs Iooollelct gmat you area, inti‘lgglng collect or foreclose or repossess any collateral you may have given. amrney Isss courtcoss oolec on agency es a ees Sdbrsmghno “m“ Pa" ‘°' °"‘°’ ”mm“ ‘°mm"M Y°“ ‘9'“ ‘° ”Y ' ‘ a Seller a regs m dame: me vehicle to you on me cafe this contractwage "m m “cam. ~515 '5 ”y Chm M gm "J “5 i5 _ ,issigneg bySellevand you. You understand Ihatit may mks somedldmnored. d. We may take me vehlcle 1mm y'ou. I! you default. we may I take (Iepussess) ma vehicle 'from you ll we do so peacelully and the law, allows iL lf-your vehicle has an electranic Hacking device, you agree matrwe may use the comm 4 . amssc‘gégr‘deqm:"fileffidl'rzfiugkgaxmilfii sag; Seller shall give you written notice (orin any 011157 mannel in which with ma vehicle. Ii any personal Rams are in me vehicle. we V “m "°"°° '3 9"” ‘° W“) "m“ 1° “VS °'."‘° “3'“ ”“9“mm may 5mm [Hem for you at you, expenseSE" you do “m ask is signed i! Seller sleclsto noel I of sudmo Halos; Iyoum mesa "ems hack, we may dispose 0‘ mam as me law must immedalely return me vehicle lo Sal er in the sumac non alums asMensald. reasonable weearandlearexc med. Sellermuslgive ' back to you all consideration reoelved by Sellev. Includlng any de-Invemcla limeIglov Seller lo verify your credit and assign lhe connect. You agree that if Seller'Is unaue lo assign me comma lo any one cl me I financial Inslllutions with whom Selle: regularly does business . under an asslgnmenl acoe'plable lo Senor. Seller may uncel ma g e. Haw you can get "I: vahlcle back fl we take IL ll we _ repossess the vehlcie you may pay to gallit back (redeem). _ -- You"may redeem [he vanish w paying”Dum 0' you c. ll yw do ml immediawly relum "a venue, you shall be Iiafle luv‘ may nave me right to reinstate this comma and redeem me l figmfism‘b’fikgnigfig “km "‘9 ”hm "m“ W“- pmldlnzypmopayimfianzht:$m§zs flngzgw Sha‘ggfisé d. While the vehicle is in your possession. all terms 01 me contract, cure the datault We will provide you all nolices required by _ '"crl‘ydl'ew “15:49“Nflfi‘g‘zg “58;:ng ”dezrfgk'?’ :5?“m law to ‘ell you when and now much to pay andlor what "e '° 's a '"V W" m " am" o“ mus‘ take ‘0 redeem me veh i damage Io me vahdeNou mus! pay all reasonable onsrs hr repair"y oi any damage lo me vehide until the vehicle is relumad lo Seller. ARBITRATION PROVISION PLEASE REVIEW - IMPORTANT- AFFECTSYOUR LEGAL RIGHTS 1. EITHERVOU OH WE MAV CHOOSE T0 HAVE ANY DISPUTE BETWEEN US DECIDED BY ARBITRATION AND NOT IN COURT OR BV JURY TRIAL. 2. IF A DISPUTE IsNARBITRATEDJOUOWILL GIVE UP YOUR RIGHTTO PARHCIPATE AS A CLASS REPRESENTATIVE OH CLASS MEMBER UMAV HAVE AGAINST US INCLUDING ANY RIGHT T0 CLASS ARBI‘IRATION OR ANY CONSOLIDANTIONYOFLAINDIVIDUAIL ARBITRTIO S. 3. DISCOVERV AND RIGHTS To APPEAL IN ARBITRA'nON ARE GENERALLY MORE LIMITED THAN IN A LAWSUIT, AND OTHER RIGHTS THAT VOU ANDWE WOULD HAVE |N COURT MAY NOT BE AVAILABLE IN ARBITRATION. Any cIaim or dispute. whether in contract. Ion. statute or olherwise (Induding ma interpretalion and scope o! this Arbilration Provision, and the arbitrabilily oi the claim or dispu‘e) between you and us or our employees. agents suocessors or assigns. which arises oul o! or relates to your credil appiioafion, purchase or condition oi this vehicle. this pomract or any resulting transaction or relationship (including any such velalionship w‘rm third parties who do not slgn this contract) shall a1 your or our election be resolved by neutral, bindlng arbiuaiion and not by a courl action. If federal law provides that a claim o! dispute is not subject lo binding arbitration, Ihis Arbltration Provision shall not applyto such claim or dispute Any dalm or dispute'ts to be arbitrated by a single arbdralor on an individual basis and not as a class action Vou expresslyFwaive any right you may have Io arbitrate a class amion. You may choose me American > Arhivation Association 1633 Broadway, 10m Floor New York New York 1001 9(W9) or any other organization to conduct me arbilratlon subject to our approval. You may get a copy 01 the rules of an arbitration organlzation by oomacling the organization or visiting its webs'le. Arbitrators shall be anorneys or retired judges and shall bs selected pursuant to the applicable rules. The arbitrator shall apply governing substantive law and the applicable statute of limitations The avbllrafion hearing shall be conducted in me tederal dismal In which you reside unless the Saller-Creditor Is a pany ‘0 the claim or dispute. in which case the heaving will be held In the iederal district where this contract was executed. We will pay your tiling, administration service or case management fee and your arbitrator or hearingnfee all up to a maximum of $5000, unless the law or 1he rules of the chosen arbitraxion organization requlre us lo pay more. The amo nwe pay may be reimbursed in whole or in pan by decision of the a'rbitrator it the arbitrator finds mat any of your claims is lr'wolous under applicable law Each party sha || be responsible for its awn anoney expen andu erfees. unless awarded by the arbitrator under applicable law. It the mosen arbitration organization's rules conflict with this Arbiuation Provislon, then (he provisions of missAmtratlon Provision shall control Any arbitration under this Arbitration Provislon shall be governed by_ n19 Federal Arbilral'uon Am (U C§ 1e seq. ) and no by anysta elaw conceming arbitration. Any award by ihe arbivahw shall be In writing and will be final and bmding on all parties subjem m any limited right to appeal under me Federal Arbilmtion You and we retain the rigm lo seek remedies In small claims court for disputes or claims within ma! court's jurisdiction unless such aciion is lranskrred. removed or appealed to a Emerem coun Neither you nor we waive the rigm (o arbitrate by using selt- help remedies such ssession or by filing an action lo recover the vehicle i0 recover a defiIciency balance, or tar Individual injunctive reliet Any court having jurlsdiclion may enter judgment on me arbitrator‘s award. Thls Arbitration Provision shall survive any termlna(ion payofl or transler ol this oontracl. If any part of this Arbitration Provision other than waivers of class action rights ls deemed ov lound lo be unenforceable lot any reason the temaindar shall.remain enforceabie. ll a waiver ol class action rights Is deemed or found l0 be unenflaroeablefm any reason in a case in which class anion allegations have been made me remainder n1 this Arbitration Provislon shall be unentorceable. NOTICE: ANV HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECTTO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER 0F GOODS OR SERVICES OBTAINED PURSUANT HERETO 0R WITHTHE PROCEEDS HEREOF. RECOVERY HEREUNDEH BYTHE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BV THE OEBTOH HEREUNDER. The preceding NOTICE applies only lo goods or services ogymd primarily for personal. family or household use. In all olher cases. Buyer will nol assert against any subsequent h Ider or a gnee of Ihis contract any claims or delenses lha Buyer (debtor) may have againm the Seller or agalnst the manufa . rol me vehicle or equipmem nbtained under this contract sulovusimmmminmiumxmw ’ 66C, WTMefinyI-fl‘pp [W)ummmntsdmnmqnmmm DWMmusa [Imam mouse Dmywmwmmm ,L = ,7.w mowa/W l w -mmmmms - -. File TP097390 EXHIBIT “B” BILL OF SALE AND ASSIGNMENT OF ACCOUNTS Automotive Credit Corporation, a Michigan Corporation, with an office at 26261 Evergreen Rd. Ste. 300, Southfield, MI 48076 (”Seller" or ”Assignor”)) hereby absolutely sells, transfers, assigns, sets-over and conveys to Autovest, L.L.C. with an office at 26261 Evergreen Road, Suite 390, Southfield, MI 48076 ("Buyer”) without recourse and without representations or warranties, express or implied, of any type, kind or nature except as set forth in the Agreement (hereinafter defined): (a) all 0f Seller's right, title and interest in and to each of the Accounts identified in the Account Schedule attached hereto as Exhibit 1 (the “Accounts”) and the other elements of the Account Packages (as defined in the Agreement), and (b) all principal, interest or other proceeds of any kind with respect to the Accounts but excluding any payments or other consideration received by or on behalf of Seller on or prior to the Cutoff Date of October 31, 2019, with respect to the Accounts. This Bill of Sale is being executed and delivered pursuant to and in accordance with the terms and provisions ofthat certain Short Form Purchase Agreement made and entered into by and between Seller and Buyer dated December 18, 2019 (the ”Agreement"). The Accounts and Account Packages are defined and described in the Agreement and are being conveyed hereby subject to the terms, conditions and provisions set forth in the Agreement. This Bill of Sale shall be governed by the laws of the State of Michigan without regard to the conflicts-of- laws rules thereof. ' DATED: December 18, 2019 SELLER: By: Name: James E. Bl sius Title: Chief Executive Officer STATE OF Michigan ) ) ss. COUNTY OF Oakland ) On [Z vlg a» £ g , before me the undersigned officer, personally appeared James E. Blasius, who acknowledged him/herself to be the Chief Financial Officer, signer and sealer ofthe foregoing instrument, and that he/she as such officer, being authorized so t0 do, acknowledged the execution ofthe same to be his/her free act and deed as such officer and the free act and deed of said corporation. IN WITNESS WHEREOF, | hereunto set my hand. \‘J KB Susan Jones NOtarV PUb'iC NOTARY PUBLIC - STATE 0F MICHIGAN COUNTY 0F OAKLAND My Commission Expire u e 9, 2022 Acting in the County of fiflfig
