Complaint Limited 10K and 25KCal. Super. - 6th Dist.May 3, 2021PLD-C-001 ATTORNEY OR PARTY WITHOUT ATTORNEY (Name, State Bar number, and address): FOR COURT USE ONLY LAWGFICESG PATENAUDE & FEJX, AP.C.WA Pateraxie(#’|2885®/SepfmeJ. Boor‘e(#1m1&) Arg'e I-br‘g |-ba(#212152)/WW W1g1t(myDemWWWPLW) 9619 Chesapeake Drive, Suite 300, San Dego, CA92123 TELEPHONE No.: (858) 244-7600 FAX No. (Optional): (858) 836-0318 E-MAIL ADDRESS(Optiona/): An ie.Hoar andf.us . . ATTORNEY FOR N - VEiOS CRCS/IZIT LLC EleCtromcally filed ( ame)‘ ’ by Superior Court of CA, SUPERIOR COURT OF CALIFORNIA, COUNTY OF SANTA CLARA County Of Santa Clara STREET ADDREss: 191 NO. FIRST STREET 0n 5/3/2021 1 .54 PM . 191 NO. FIRST STREETMAILING ADDRESS. - . ' CITY STATE AND ZIP CODE: SAN JOSE CA 95113 ReVIewed By.Ashley MackenZIe BRANCH NAME: SANTA CLARA CIVIL DIVISION Case #21 CV381 240 Env #6363997 PLAINTIFF: VEROS CREDIT, LLC DEFENDANT(S); NANCY ESCARCEGA, FRANK ROMERO X and DOES 1 through 15, inclusive CONTRACT g COMPLAINT D AMENDED COMPLAINT (Number): D CROSS-COMPLAINT D AMENDED CROSS-COMPLAINT (Number) Jurisdiction (check aII that apply): CASE NUMBER; g ACTION IS A LIMITED CIVIL CASE Amount demanded D does not exceed $10,000 21 CV381 240 g exceeds $10,000 but does not exceed $25,000 ACTION IS AN UNLIMITED CIVIL CASE (exceeds $25,000) ACTION IS RECLASSIFIED by this amended complaint or cross-complaint from limited to unlimited from unlimited to limited 1. Plaintiff* (name or names): VEROS CREDIT, LLC alleges causes of action against defendant(s)* (name or names): NANCY ESCARCEGA, FRANK ROMERO 2. This pleading, including attachments and exhibits, consists of the following number of pages: 2 3. a. Each plaintiff named above is a competent adult g except plaintiff (name): VEROS CREDIT, LLC (1) D a corporation qualified to do business in California (2) g an unincorporated entity (describe): a Limited Liability Company, qualified t0 d0 business in California. (3) D other (specify).- b. D Plaintiff (name).- a. D has complied with the fictitious business name laws and is doing business under the fictitious name (specify): b. D has complied with all licensing requirements as a licensed (specify): c. D Information about additional plaintiffs who are not competent adults is shown in Attachment 3c. 4. a. Each defendant(s) named above is a natural person D except defendant (name): D except defendant (name): (1)D a business organization, form unknown (1)D a business organization, form unknown (2)D a corporation (2)D a corporation (3)D an unincorporated entity (describe): (3)D an unincorporated entity (describe): (4)D a public entity (describe): (4)D a public entity (describe).- (5)D other (specify): (5)D other (specify): *lf this form is used as a cross-complaint, plaintiff means cross-complainant and defendant means cross-defendant. Page 1 of2 F°rm APP'OVed for Optima' U39 COMPLAINT-Contract Code of Civil Procedure, § 425.12 Judicial Council of California PLD-C-001 [Rev. January 1, 2007] CA_06 EFile Complaint Contract P&F File N0. 20-8477 PLD-C-001 SHORT TITLE: VEROS CREDIT, LLC VS. NANCY ESCARCEGA, FRANK ROMERO CASE NUMBER: 4. (Continued) b. The true names of defendant(s) sued as Does are unknown to plaintiff. (1) D Doe defendant(s) (specify Doe numbers): were the agents or employees of the named defendant(s) and acted within the scope of that agency or employment. (2) g Doe defendant(s) (specify Doe numbers): 1 through 15 are persons whose capacities are unknown to plaintiff. c. D Information about additional defendants who are not natural persons is contained in Attachment 4c. d. D Defendant(s) who are joined under Code of Civil Procedure section 382 are (names): 5. D Plaintiff is required to comply with a claims statute, and a. D has complied with applicable claims statutes, or b. D is excused from complying because (specify): 6. g This action is subject to D Civil Code section 1812.10 g Civil Code section 2984.4. 7. This court is the proper court because a. D a defendant(s) entered into the contract here. b. D a defendant(s) lived here when the contract was entered into. c. X a defendant(s) lives here now. d. D the contract was to be performed here. e. D a defendant(s) is a corporation or unincorporated association and its principal place of business is here. f. D real property that is the subject of this action is located here. g. D other (specify): 8. The following causes of action are attached and the statements above apply to each (each complaint must have one or more causes of action attached): Breach of Contract Common Counts Other (specify): Refer t0 Other allegations in number 9.@fiflfi Other allegations: Before commencement 0f this action, in those cases Where recovery 0f costs is dependent 0n such notices, Plaintiff informed the defendant(s) in writing it intended t0 file this action and that this action could result in a judgment against defendant(s) that would include court costs and necessary disbursements allowed by CCP Section 1033(b)(2). 10. Plaintiff prays forjudgment for costs of suit; for such relief as is fair, just, and equitable; and for a. g damages of:$11,579.65 b. g interestonthe damages (1) g accordingto proof (2) D at the rate of (specify): percent per year from (date): c. g attorney's fees (1) D of: (2) g according to proof: In accordance With the terms 0f the contract and the Automobile Sales Finance Act (Civil Code section 2983.4) 0r the Motor Vehicle Leasing Act (Civil Code section 2988.9), and in a reasonable amount pursuant t0 the Court’s default schedule (in the event 0f a default) 0r in amount according t0 proof at trial. d. X other (specify): For such other relief as the Court deems just and fair. 11. D The paragraphs of this pleading alleged on information and belief are as follows (specify paragraph numbers): Date: April 05, 2021 [ ] RAYMOND A. PATENAUDE [ ] STEPHANIE J. BOONE [ ] ANGIE HONG HOAR [X] ROBERT w. WRIGHT f'u.‘ _~ - - ‘- [ ] DEAN KESHAVARZ ’ E}V (TYPE 0R PRINT NAME) (SIGNATURE OF PLAINTIFF 0R ATTORNEY) (Ifyou Wish to verify this pleading, affix a verification.) PLD- C-001 [Rev. January 1, 2007] compLAlNT-Contract Page 2 of 2 CA_06 EFile Complaint Contract P&F File N0. 20-8477 PLD-c-oo1 (1) SHORT TITLE: VEROS CREDIT, LLC VS. CASE NUMBER: NANCY ESCARCEGA, FRANK ROMERO F'RST (number) CAUSE 0F ACTION-Breach of contract ATTACHMENT To ECompIaint D Cross-Complaint (Use a separate cause of action form for each cause of action.) BC-1. Plaintiff (name): VEROS CREDIT, LLC alleges that on or about (date): February 08, 2016 a E written D oral D other (specify): agreement was made between (name parties to agreement): VEROS CREDIT, LLC and NANCY ESCARCEGA, FRANK ROMERO g A copy of the agreement is attached as Exhibit A, or g The essential terms of the agreement D are stated in Attachment BC-1 g are as follows (specify): Defendant(s) entered into a written contract With Plaintiff, whereby Plaintiff loaned money t0 Defendant(s) for the financing 0f motor vehicles sale 0r lease. The terms and conditions under Which Defendant(s) agreed to repay Plaintiff for the monies loaned are set forth in a written purchase contract/lease and /0r loan agreement between the parties. Defendant(s) indicated his/her/their consent t0 be bound by these terms either by an authorizing signature 0n the agreement 0r by Defendant(s) taking possession 0f and using the vehicles and monies provided by Plaintiff. BC-2. On or about (date): December 11, 2019 Defendant breached the agreement by D the acts specified in Attachment BC-2 X the following acts (specify): Defendant(s) failed t0 make payments 0n the contract as agreed and, despite Plaintiffs demand Defendant(s) continues t0 refuse t0 pay Plaintiff the amount owed under the contract. Defendant(s) is in default and, such under the terms 0f the contract Plaintiff is entitled t0 the unpaid balance, attorney's fees and costs. BC-3. Plaintiff has performed all obligations to Defendant(s) except those obligations Plaintiff was prevented or excused from performing. BC-4. Plaintiff suffered damages legally (proximately) caused by Defendant's breach of the agreement D as stated in Attachment BC-4 g As follows : 1. The principal sum 0f$1 1,579.65; 2. Costs 0f suit; 3. For such other and further relief as the Court deems just and fair. BC-5. g Plaintiff is entitled to attorney fees by an agreement or a statue of $ according to proof: In accordance With the terms 0f the contract and the Automobile Sales Finance Act (Civil Code section 2983.4) 0r the Motor Vehicle Leasing Act ( Civil Code section 2988.9), and in a reasonable amount pursuant t0 the Court's default schedule (in the event 0f a default) 0r in amount according t0 proof at trial. BC-6. D Other: Page 1-Pag-e1fiT Form Approved by the Judicial Council of California PLD-c-oo1(1) [Rev. January 1, 2007] CAUSE OF ACTION-Breach of Contract Code ofCiviI Procedures, § 425.12 CA_05A EFile Breach 0f Contract P&F File N0. 20-8477 EXHIBIT "A" RETAIL INSTALLMENT SALE CONTRACT- SIMPLE FINANCE CHAR (WITH ARBITRATION PROVISION) GE DealerNumber 7 34812 Comma Numbev 31D i Ros Number SlockN be 50"7 i um v , 7 ,7 , Buyer Name and Addre CUB N (Including County and Zip Code) [Inclufii’rfié C:’::tyara‘:dA;Idmes:de) senebcmdnm (Name and Adams” - a'h ?cme'c (1:03;us Go M4 Em c, eyes St San Jose ‘A ‘ " “ ‘ i ‘- \_ :51 H Dante mars :an Jase l. A 9511 r Santatrara 38" Josev CA 95112 Vou me Buyev (and C&Buyer. r1 any) may buy the vehicle below tor cash or on cred" By sugmng (his contract you choose Io buy the vehicle on credit undev meagreements on me Iron! and back o! m Chmgemus m 15 contract Vol: agre‘e'lo palyfwe Seller- Cmduov (some!Imes we or ”us m (ms connacl) the Amount Financed and Fma 5 o y m 'basxs The Truth- ln-Lendmg Disclosuves below ave pan a! mls contact 39w Make sea Year and Moo Ie Odomanev Vemcve Iuenxmcanon Number anary Use For wmch Purchased U,“ 2““ M .A Personal tamiry o: household unlessJ V. f.. ‘54g35 GK:188:‘7J E349: Db“ aelhemselnoicated vunom m 150i: D. an Sport gum 4D -ac‘ smess °r°°mm°ma| ANNUAL FINANCE Amount STATEMENT OF INSURANCE Tolll l NOTICE. N PEREE’gAG-E CHARGE Flnlnced Puymogtx Tamrlcsa”. o The m t ' The dollar The amounl cl The nmounl you The Iota] cost ol you, C’ezfloas 3:903:13”: cre‘du provmad wlll hava paid alter your purchase on 0mmmm v 69c w bu0 V . . 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E Tm roquu mommncmmmrdeusmnmbu ovnutbu mmmm mgcnarwmfammmvaueekm swim! mwm mmmnmlgea ymm’o D [omlonan men Delenent Dame (1a whom pam) I , , 7 s l]m (D) weal w "0V be9mm “Massm E ‘op'mnmn WWW “a whom palm s {E} stgn and agree Ia pay me em cosy Cveaw Me msmnce ‘sDevxce “A ~ 11L myouroagmalpaymenuisance se Tn‘smsmance may F {onlmanmen Daxenenl Demeeuu whom pan!) ‘4 s D [m 1F] "0' Wallwumonm'smfllrafimumakelale payments GV NM s n nu ‘6) Cveannzsammnsumeafesmmommy myeasemyouv ‘1 paymen 01m enu vc mems oveva elo cedma H, 10mm Surface quanm Product uomm pam‘L ‘ snm__1H> msu«awe am mm alamlmmumm enasgon crievouénlal I EvChem Sum "a m) _ r s > m m:nngeg me mg“paymem unless a umem mm Io: me J Sales Tax (anlaxablenems mAmmugn I) 5.1,“? 58 (J) Vou ave applyingvfor the cred" msuvance marked K Elecuomc Venue ngxsmmanransIevcnarge ' above. Vour slgnature bebow means Ihal cu agvee (m ammmml m) “a whom paid] 7 7 s (K) trgglcégwu arggmbileli IbledaylinI'niurance: \yogihafoe4 4 '_ Ur DU BYE El l e I a ”mm" 59M“ 00mm“ “° WW“ Pam‘fi 5¥ (L) disabllrty ryrgsuranoeblomy N you a(e working 1er wages . (to mom s flflfl (M) 0v plum 30 hours a week or more on me EHecnve u_ «yawn > m 3 flm (N) 3gb“ nl the DnP nma o,( ouaISemcaOammm M‘- nm] o ' ”TY" P 0W ’ '5 ‘° '" p“ ’ 3 ‘ ’ Mom EncormIDTIons FORWHICH You HAVE 10mm" SemeComd "0 whom ml 5439*!” SEENA DOCTOR 0R CHIROPRACTOH m THE o. Pm cram o: Lease Balance pm by sens. m LAST 6 MONTHS (ne’er to "Tom Disabmnes Not (a)5M_ (o) Cmered' m your policy m! details} (mMW“ am "am““Mm", You wanl Io buy the credilllnsuv nce R (ovum; Gap Comm 1m mom pan). GHIL s AHEAD (RI MA X A s (ml) used Venue Comm oamaauon 0pmW1 s_mg (S) D" BUY“ 5'9“!” I oxrmnomm pan) .7 NJA. Lm_ fi sfl0-m Dale mll Can pug. (A mmugm sm m OPTIONAL I swoon? gap muac‘ (debt cam lion WEI IS M VWUIY l0 OMam cred“ nfl H W be 2, Amount: Md la Public Otflclall 9mm unless you sgn bem and agree toe paymme en a A, vgmm Lungs Fees s (A) charge‘llR‘gAgolosemM a gay wnlracv me cnalge ws shown . , - hm I l B Rewraummansbvmumu Fees Esnmaled Fees 545%”) gammmnswgmfmwgnbumsnpmaes n: c ealmma Tue Fees s (C) a uan o4 musmmW n. omev7 fl s ‘ (D) Tenn m Mos -3_ W Toulmncm rum mmgn D) B'Bu (2| ' mm“ 5390M“W a. Amoum m1 la InwnmComma ‘ ' “m '° ””Y a 93" °°""’°‘ (Tm pmmums horn Slatemem o1 Insurance comma a + n) 5L (3) Buyer Signs x W ‘- R” DM E h“ $325- M omouAL SERVICE commons.) v0 War“ I 5. ml (I mmugn 4) 513595-31- ‘5’ purchase me semen commits) wmmn wun xxelam o 5' TmMmm oompanyoes) toms lermts)shown belaw 101 the chatgets A. AgveeaTmae-In Value v_MLk-Mmmw s (A) "m “Hm ‘N' ‘0 mm ‘ "Umi Moos! - Odom~M- ' IL Company mVIN___- Tennwaiuosmmims a. Lax Pm: Cram av Lassa Balance (e) s_m_ (E) m Company 7, c Nenmde-mmless muumuenanegauvanumben swim Term 7 Mos. m JsLA 7 Mues o. Datum Omnpamm 5W ID) m CompanyM7 a Marmadum Renate s_fim-IE) Term _wA__ Mus u4M Muss F 0M_MP 5W (F1 ‘0 Cowanym_- e. Cash s ‘ (G) Tenn4w“- Mos, wJP Mugs Toul Dovnmmm [C through G) 151 1P CompanyNA; 7 (HmemmmmnlnaEWWNWIWMmasaWnummlmmme] 1 1 Tenn MIA M0501 MAW ,MAas 7. AmnflnuucodtSIessG) S 5 9581 ,17) Buyevxgomg E%fleqfi How THIS comma CAN BE CHANGED Tmsm“mm mHmmmmWw AUTO BROKER FEE DISCLQSUREm u mm “Em PA mmm n "1's comm“ renemS me rem" sale 0' a onnlracl contains me anure agreement between youMMNWWWWTKM new motor vehlcle. the sale ls no! subied P IL F MA- Io a fee recelved by an aulobroker from usm0 Dan mm unless the followln box ls checked: Amounl SM- Fmance ChargesTA- g Tonal s MA Payaue m MA D Name of autobroker receiving tee, i! mum”. s VML , s NA , anv'lcab'm Imm nus Loan ls 5mm m nem so W , NA , , i,+ SELLER s mcrrno CANCEL n Buyec and Co Bum mgr. me me plowsnns ol me Sewers mgm uo emuamo a unaww msmunouw “apt pryMm iécoxag a7, 77 7 v r ii 7, Buyer $ Cu-Buye to Amman: By sugmng wow. you agme max, pursuam Io me Ammauon Pmsm an me meme sue o: nus we may elect «o vasowe any dxspme v, neutral.AW bmdtng ammabou and ml by a court acnon See Ina Amnrauon onwsnn [or addmonal mtovmauon concernmg m Bums.“xM 4 co-suyev suns x ,, [Omow UYau pay no finance charge wl me Amount Financed xlem 7, ;s paid m ml‘ on or bemre NI.“ ‘ VealMk SELLER'S \NJTIALS 7 THE HIMIUI PUBLIC LlABILfTV INSURANCE UMITS PROVIDED IN MW MUST BE MET BV EVERY PERSON WHO PURCHASES A VEHICLE IF YOU ARE UNSURE WHETHER DR WVORUFN CURRENT |NSURANCE POLICY W‘LL COVER YOUR NEWLV ACQUIRED VEHICLE IN THE EVEN! OF AN ECIDENT YOU SHOULD CONTACT YOUR IMINCE AGEN VOUR‘ PGHESENT POLICY HAY NOT COVER COLLISION DAMAGE 0R MAY NOT PHDVIDE FOR FULL REPLACEMENY COSYS FOR THE VEHICLE BERG PURCHASED IF YOU DO NOV HAVEmFULL COVERAGE SUPPLEMENTAL COVERAGE F09 COLLISEION DAOMEATGENMAY BE AVAILABLE Y0 YOU THROUGH YOUR |NSUHANCE AGENY 0R THROUGH YHE SELLING EVER U LESS 0 I E SPECIFIED, THE C0VE THROUGH THE DEALER PROTECTS ONLY THE DEALER USUALLY UP YD THE AMOUNT 0F A S RG REMEFON ULL COVERAGETHAT MLL PROTECY VOU IN ME EVEN70 “AGE “01E HUVER SMALL SEN YD ACKWLEDGE YHAT HE’SNE UNDERSTANDSTHESOESSPUOBLIC LIABIU slstQL iESGAmeqqi 7 x m m “we. w mw uv yum ma u rmwu as me Pm Cradnov Lease 8:3; m undevsvand Ina! me emu“ ammo. xs an esnmale Selle: agrees In pay me paw" amor: 5mm m GB Io me \Ierno‘oev a essov o! me wade -r wemde u vs desgwe H me ama‘ aayv" 3mm! Is j 5mm m SE you must oaywme Selle! y-«n CE‘ m me haw 0| mws wnvam any assygnee o! mus centred wvH rm be omgalw Io pay me Pnov Cvem u Lease Batanoz shown m GB auyu s|gmmm x my a , cwuyev Signature x Notice lo buyer: (1) Do no! sign this agreement before you read it or if II contains any blank spaces 'o be fined |n. $2) You are enllflod lo a completely filled 1n copy of this agreement. (3) Vou can Ezepay lhe lull amount due under lh|s agreement u! any lime (4) l1 you defau Hn me pedomnce ol your obligations vhicle may repossessed and you may be sublec m. , -‘ flyouiuvn oomphl nI concumng ml: silo. you snouvd try lu msolve Ilwlm ml all Comphlnu commlng unlalr ov flmpllwNrracllcas or mlhods by (he senor may be valance lo lha cuvy Illumoy, nu Islrlcl nllormy. m nn Invesugllm lov mu Dewnmm . um hlva Io name to Iny chum. m Ohio: AM ml: wnlm’cl is signed lho sellev may nol chmAnge mu nmnclng or payment worms unless you lam in writing lo Ih and n h In um-Ir a: accepnve pumice Io: m. seller Io make u unilateral chm. a3.auyerswnmure x 0 msuyer Slgnamm x The Annual Percentage Rate may be negotiable with the Seller. The eller may assign this contract and retain its right to receive a part of the Finance Charge. vou AGREE To me Yams 0F ms comm. vou THERE IS N0 COOLING-OFF PERIOD UNLESS VOU OBTAIN A CONTHACT CANCELLATION OPTION WWWmm”sown“cm w: "momma aW'”W wag“ m GAVE IT T0 YOU AND YOU WEE FREE TO YAKE IT AND you my only am! mi: mum vim me 39mm! o! the stile: n! Im legli cause. such Is mud. Hmm, Cllflomia hwydoesmm I Eggfiwsgéwwc YUH'IOS Loafing? fliun‘x‘gnfi Wm“: noupnowyouomiaivzns smiassron SlGNlNG 0W. YOU WEN YOU RECEVED A N 00W WHEN YOU SIGNED”imam.ma z / Buyer Slgnatuve X megoDaeaet . Co-Buyer S‘gnamre X r Dale oo-auyevs and 01m Ownevs A A co-ou er .s a person u ‘s vesoozn’s‘dxez Vm paying me amue aem An 0mm may .s a pa se name ‘s on me uue 1 noes no! nave |o pay me debt The omer ownev agvees Io me secumy mmvasu m memm gwen \o us m ms cnma 0mm0mm Sanamra x , 7 Amvess , , ) , , , GUARANTV. To mauce us Io seal me venue to Buyer saw person who sqns as a Guaramov mmwwy gwamees me paymenl o! mls wmram u Buysv tans m pay any momma ng musi pa nwhen asked Each Guaranuov I m hams om me mula nomng even Iv omev ns awso asuaG ram am even vl Buys; has a complete:24mg Guarantors aemam uemmursemem Each Gua anwaamesg nus name even 19m; mane or move nlmeokmnq m“3e? mesuyesv momma xo pay one avmwe pa:ymems 4‘ ) awe a lull o:epamatmvawaase toC‘nEyaom G.ua:amm (3) veleasa any security; 14) act? {ass Imm Ihe Buyev man me ml amoun owing m(5pomemse mach a smamem veianng m us mnuau sch Guavanmv admksoges vvewp or a comm! way n1 Inis contract and guaranty a1 ma oma ol swung Gwam wams mace o! mangeen! mls Guavanty name o! me Buyev s ma paymom non permuanoe am wan“ ammm m w. w, Guaranxovx,flL Guarantorx7’ 1, Addmss 17 7 7, Addwss , 7 , r Byx 7 , 11mm . 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