Loading...
Backup 02/13/2023 CONTRACTORS ' LICENSING BOARD Backup Documents February 12 , 2023 Arokot e qtet Or'14 SPRING OAKS CAPITAL 1400 Crossways Blvd, STE 100 B Chesapeake,VA 23320 Toll Free Number: 866-281-3065 Office Hours: M-Thurs.8am-9pm EST, F 8am-6pm EST Yoslandi Martinez 3610 14TH AVE NE NAPLES,FL 34120-5551 ACCOUNT INFORMATION Original Creditor:First Electronic Bank Original Account No.: 7634005005243892 Current Creditor: Spring Oaks Capital SPV,LLC Reference No.: 111058617 Balance:$2,145.99 A9l{'1 Date:April 7,2022 Dear Yoslandi Martinez, Our office is in receipt of your dispute and/or request for validation of the debt. Please be advised that we have reviewed your account and have confirmed the name and amount owed on the account. Based on our investigation of your dispute,we have determined that you are the correct consumer listed for this account. Enclosed you will find documents associated with your account provided in response to your dispute and/or request for validation. Should you have any questions regarding this account, please feel free to contact us. Thank you, Spring Oaks Capital,LLC We are a debt collector,but this is not an attempt to collect a debt. SEE FOLLOWING PAGES FOR IMPORTANT INFORMATION a 7634005005243892 001195007 002145993 A 0 0 GENESIS FS CARD SERVICES 6 PO BOX 4477 BEA ERTON OR 97076-4477 Account Number 7634-0050-0524-3892 2 New Balance $2,145.99 111161PIPMMPi111'III"I01111'I'111111100111111 Minimum Payment Due $1,195.00 N GENESIS FS CARD SERVICES Make checWmoney Payment Due Date 06/05/20 P.O. BOX 84049 order payable to AMOUNT ENCLOSED $ COLUMBUS GA 31908-4049 Please write your account number on your check/money order 1'11111I11"111I"'1111'11111111I1'I�I11'�1111""1"11I1"'ll' and do notsenawan. YOSLANDI MARTINEZ —0000000 3610 14 T H A V E NE Address/Phone Number Change N A P L E S FL 3 4 12 0—5 5 5 1 ❑Please check here and complete Address/Phone Number Change Form on reverse side. Make your payment online at www.mygenesiscredit.com Please detach this portion and return with your payment to ensure proper credit.Retain lower portion for your records ACCOUNT STATEMENT 0 GENESIS 7634-0050-0524-3892 CREDIT' April 07,2020-May 06,2020 Account Summary Payment Information Credit Limit $3,000.00 Total New Balance $2,145.99 Available Credit $0.00 Minimum Payment Due $1,195.00 Past Due Amount $1,020.00 Payment Due Date June 05,2020 Overlimit Amount $0.00 Statement Closing Date May 06,2020 #of Days in Billing Cycle 30 Late Payment Warning: If we do not receive your minimum payment by the date listed above,you may Balance Summary have to pay a late fee of up to$38. Previous Balance $2,059.52 Payments $0.00 Minimum Payment Warning: If you make only the Other Credits $0.00 minimum payment each period,you will pay more in Purchases/Payment Reversals $0.00 interest and it will take you longer to pay off your Adjustments $0.00 balance.For example: Fees Charged $38.00 Interest Charged $48.47 If you make no You will pay off New Balance $2,145.99 additional charges the balance shown And you will end using this account on this statement up paying an and each month in about... estimated total of... you pay... Only the minimum 9 yment 20 month(s) $2,345 If you would like information about credit counseling services, call 1-866-502-6439. Mail payment to: Please mail billing Inquiries to: QUESTIONS? Genesis FS Card Services Genesis FS Card Services Call 1-866-502-6439 P.O.BOX 84049 P.O.Box 4499 www.mygenesiscredit.com COLUMBUS GA 31908-4049 Beaverton,OR 97076-4499 AS A REMINDER,IF YOU HAVE A PROMOTIONAL BALANCE THAT WILL EXPIRE IN THE CURRENT BILLING PERIOD,YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY THE PROMOTION END DATE OR PAYMENT DUE DATE,WHICHEVER IS LATER,TO AVOID PAYING DEFERRED INTEREST CHARGES. YOUR ACCOUNT IS PAST DUE$1,020.00.THE PAST DUE AMOUNT IS INCLUDED IN THE MINIMUM PAYMENT.PLEASE REMIT IMMEDIATELY. Fees Tran Post Reference Number Date Date Description of Transaction or Credit Amount 05/06 05/06 LATE PAYMENT CHARGE $38.00 TOTAL FEES FOR THIS PERIOD $38.00 Interest Charged Tran Post Reference Number Date Date Description of Transaction or Credit Amount ADB- 1,570.41 05/06 05/06 INTEREST CHARGE-80000001 $45.03 05/06 05/06 INTEREST CHARGE PURCHASE $3.44 TOTAL INTEREST FOR THIS PERIOD $48.47 2020 Totals Year-to-Date Total fees charged in 2020 $190.00 Total interest charged in 2020 $237.32 PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 1 of 3 ADDRESS/PHONE NUMBER CHANGE FORM o If you provide us with a cellular phone number,you are expressly consenting that(i)we and our agents may contact you at that number and(ii)we may use automated telephone dialing systems to initiate such contacts o and/or leave recorded messages. co ADDRESS CI IY SIAME ZIP WIDE HOME PHONE BUSINESS PHONE EMAIL ADDRESS Detach here V and return above portion with your remittance.After detaching,retain lower portion for your future reference. What To Do If You Think You Find A Mistake On Your Statement minimum payments as required.The deferred interest period will end when If you think there is an error on your statement,please write to us at Genesis one or more of the following events occur: FS Card Services,P.O.Box 4499,Beaverton,OR 97076-4499.In your letter, • promotion end date as reflected on the front of your statement; please provide the following information: • your account becomes more than 180 days past due; • • Account information:Your name and Account number your account is charged off for any reason. • Dollar amount:The dollar amount of the suspected error. Interest on a deferred interest balance will accrue during the deferred • Description of problem: If you think there is an error on your bill, interest period at the APR reflected on the front of your statement,and we describe what you believe is wrong and why you believe it is a mistake. will charge such interest to your account if you do not pay the deferred You must contact us within 60 days after the error appeared on your interest balance in full before the end of the deferred interest period. statement.You must notify us of any potential errors in writing.You may call You must make monthly minimum payments during the deterred interest us,but if you do we are not required to investigate any potential errors and period.Paying only the monthly minimum Payment man not say off the you may have to pay the amount in question.While we investigate whether deferred interest balance within the deferred interest period.You may have or not there has been an error,the following are true: to make additional or increased Payments during the deferred interest • We cannot try to collect the amount in question,or report you as period to avoid having to Day all accrued deferred interest delinquent on that amount. ALLOCATING YOUR PAYMENT • The charge in question may remain on your statement,and we may YOUR PAYMENTS WILL BE ALLOCATED AS REQUIRED BY LAW. continue to charge you interest on that amount.But,if we determine ANY PAYMENT AMOUNT ABOVE THE MINIMUM PAYMENT DUE that we made a mistake,you will not have to pay the amount in WILL BE APPLIED AS FOLLOWS: (1) IF YOU HAVE A DEFERRED question or any interest or other fees related to that amount. INTEREST PROMOTION BALANCE IN THE LAST TWO CYCLES PRIOR • While you do not have to pay the amount in question,you are responsible TO EXPIRATION, EXCESS PAYMENTS WILL BE APPLIED TO THAT for the remainder of your balance. BALANCE FIRST, AND (2) IN ALL OTHER SITUATIONS, WE WILL • We can apply any unpaid amount against your credit limit. APPLY EXCESS PAYMENTS TO YOUR HIGHER INTEREST BALANCES. Your Rights If You Are Dissatisfied With Your Account Purchases HOW INTEREST CHARGES ARE DETERMINED If you are dissatisfied with the goods or services that you have purchased The INTEREST CHARGE for any Billing Cycle will include the Billed using your Account,and you have tried in good faith to correct the problem INTEREST CHARGE amounts computed by multiplying the applicable Daily with the merchant,you may have the right not to pay the remaining amount Periodic Rate or Rates shown on the front of your statement to your Average due on the purchase. Daily Balance of Purchases and multiplying the result by the number of days To use this right,all of the following must be true: in the Billing Cycle.However,no interest will be assessed on Purchases that 1. The purchase must have been made in your home state or within 100 are within a deferred interest promotion period during a Billing Cycle. miles of your current mailing address,and the purchase price must Calculating the Balance Subject to INTEREST CHARGES have been more than S50.(Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own Your Interest Rate:We use a daily periodic rate to calculate the interest the company that sold you the goods or services.) on your account.The daily periodic rate is the applicable APR multiplied 2. You must have used your Account for the purchase. by 1/365.The applicable APR is reflected on the front of your statement. 3. You must not yet have fully paid for the purchase. When We Charge Interest:We charge interest on your purchases from the If all of the criteria above are met and you are still dissatisfied with the date you make the purchase until you pay the purchase in full. purchase,contact us in writing at Genesis FS Card Services,P.O.Box 4499, How We Calculate Interest.We calculate interest separately OR 97076-4499. for each balance segment on your account.We do this by applying the daily periodic While we investigate,the same rules apply to the disputed amount as rate to your average daily balance(including new purchases),and then discussed above.After we finish our investigation,we will tell you our multiplying the resulting number by the number of days in the billing cycle decision.At that point,if we think you owe an amount and you do not pay, for each balance segment.An average daily balance is calculated for the we may report you as delinquent. following balance segments as applicable:purchase balance segments, PAYMENTS balances subject to deferred interest promotions,and the regular balance. Payments should be mailed with the payment coupon and in the envelope We calculate interest for each balance segment as follows: provided to the Genesis FS Card Services payment address indicated 1 For each day,we take the beginning balance of each balance segment on the payment coupon.Any payment received in that form and at that address on or before 5:00 P.M.Eastern Time on a normal banking day will in the biting cycle,including any unpaid interest charges,add any be credited to your Account that day.If your payment is received in that new purchases and debits,and then subtract the applicable portion of form and at that address after 5:00 PM.Eastern Time on a normal banking any payments and credits.This gives us the daily balance.Monthly day,or anytime on a non-banking day,we will credit it to your Account Service Fees (if applicable),Late Payment Fees,Returned Payment the next banking day. Payments can also be made online by visiting Fees,and Documentation Fees are not included in the daily balance. the website address indicated on the payment coupon and the front of this 2. Then,we add all the daily balances for the billing cycle together and billing statement. divide the total by the number of days in the billing cycle.This gives us the average daily balance. When you provide a check as payment,you authorize us either to use the 3. Next,we multiply the daily periodic rate by the average daily balance. information from your check to make a one-time electronic fund transfer 4. Finally,we take the resulting number from#3 and multiply it by the from your account or to process the payment as a check transaction.When number of days in the billing cycle.This gives us the interest charge for we use information from your check to make an electronic fund transfer, each balance segment for the billing cycle. funds may be withdrawn from your account as soon as the same day we When INTEREST CHARGES Begin to Accrue receive your payment and you will not receive your check back from your financial institution. Except for Purchases that are within a deferred interest promotion period Payments received at other than the remittance address on the face of this du statement g the Billing Cycle,periodic INTEREST CHARGES on Purchases will statement may be subject to a delay in crediting of up to 5 days after the be imposed at the Daily Periodic Rate from the date each Purchase is made date of receipt. and will continue to accrue on unpaid balances as long as they remain unpaid.There is no grace period on Purchases and,except for Purchases CREDIT BUREAU REPORTING that are within a deferred interest promotion period,there is no period within which to avoid paying INTEREST CHARGES on Purchase Balances. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT OTHER DISCLOSURES BUREAUS.LATE PAYMENTS,MISSED PAYMENTS,OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. The First Electronic Bank Privacy Policy has not changed and is available at hitu://www.firstelecironic.com/nrivaov-notice.You can also call the DEFERRED INTEREST PROMOTIONS phone number indicated on the front of this statement to request a copy Each deferred interest balance accrues interest from the date of purchase, of the privacy policy be mailed to you. but we will not charge that interest to your account if you pay such balance This communication is from a debt collector.This is an attempt to collect in full before the end of the deferred interest period and you make monthly a debt and any information obtained will be used for that purpose. R8808-8808-0519 t'cQa /fe, 1?" 32705907 55 li::1111 FT AND SEC AGREEMENT NT Name Borrower: and Addr Ce. rrower-:Name eat tfrass r‘. Yes!and Martinez C oli noz 74385 Tara Cir Apt 103 T t 1 Naples,FL 34104 •a , lisemting of Words-This installment a, _ - called In dUs Agreement The woeIa you,'"ycxrr,'and 'yours'refer to each borrower signing N. i and • iP them Is more than me borrower.The wools"wo,""ua,'"our,"and 9 ender"refer to Medaiiion Bank,a Ute . its. :.. addres s at 11op East 6600 Seath,Suite 610,Salt Lathe City,Utah, l 4I21,end its asalgrwes, Property-The woof"Properly'refers to 1•ono PY4Vrly that you are purcbasirtg with the pr000ds of your ban. NEWUSED YEAR MAKE MCX)EL BODY/HULL TYPE SERIAL NO. New 2017 Big Tex 20GN•206K-n,5 1 SVGX2O27'H6O2523$_ proottse to Pay.You Amuse to pay to an or our order Oho prinr,ipal mount of Your loan or$ 9,572.0D plus Boone charges end other ctae ges as provided In thi IN,., ..Unkwz otherwlm nnline'tl,y;;:ar peyru mnt.;ahould be scat tar Medallion B:.t;k clo SW.P.O.a=£Sr,0', Kansas City,ice,84180.1997. Your Finance Chitrges.Your Osseo dtarge on your loon w5l be computed one daily basis at an asaust rate equal to the Annual Paltentage Hate disclosed In this Note until all princntul,finance charges and other charges am paid In tuft.Payments will be applied firer to finance charges,then to Late lees and otter unpaid chatges,and it en to the pdraupai balance of yew loam-This mewls that the total amount of finance charges you will pay will be higher If your payments are mode later than the adrvduled payment date anti lower 8 you make your payments before the scheduled payment date. FEDERAL TRUTH-IN-LENDING DISCLOSURES ANNUAL PERCENTAGE FINANCE Amount Financed Total of Payments BATE CHARGES The cost of your credit as a The dollar amount the credit The amount of credit The amount you will have yearly rate will cost you provided to you ar on your paid attar you have made all behalf, payments as scheduled. 18.95 % $ 5,309.80 $ 9,572.00 $ 14,881.80 Your Payment Sohettule Will Be: mug Ig..:of f'avme i A�mnurd_ff Fach Payment ; Wh n�_.,,,y ]rants Are.Due(Eslirn:to N • 60 $ 248.03 %MonuAy,With the first payment apprOXimately$0 days from i the date of INS Note. Late Charge.if a payment is not paid In full within 10 days •-_.l.py.• f.t die unpaid amount of the late payment ays after it is due,you will pay a loco charge of the greaGar of$3cl or 5"6 of Prepayment.If you pay oft your loan early,you will not have to pay a prepayment penally. Security b terost.You are giving uo a security Interest In the Property being pl enlranod. - Sea this Nutt;for any additional ntfonnat on about nonpayment,default and any required repayment in full before the scheduled data. Itemization of Amount Financed: $S,572.01] Amount Financed 1 Principal amount of your loan J Amount paid for your purchase to TRAILtf H SOWflONS-12Z06 VDU A..'".CNAWr r tfGI 11EDE:VIING AND REVIEWING A:'�0l+1PLE'E COPY Cr THIS TO r:IS NOTE PR:C I 'CI,ttL i1TsfNG The CI Ibttt*ORTA NT N3QV1SION5 ON PAGES 2 AN0 3. -- 7/1012017 W. Data �� y 7/10/2017 i Borrower —•r Date MCAT' OP` tnitiat ri Page 1 of 3 32705907 55 OMPR IMPORTANT PROVISIONS IONS Payment You agree to promptly pay us aft you owe under this Note even if the Property is damaged,destroyed, trussing,or uninsured.Tine Is of the essence in this Note.Aoceptance bt us of partial payments shall not modify the terms of this Note and shall not constitute a waiver of any subsequent falure by you to timely pay the full amount of your payments as provided in this Note. Retumext Cheek Charge.We may assent a thorgs not exceeding$20 for each check you send to us that Is dishonored or returned to us unpaid for any reason. PrePmfine t.You may prepay this Mote in full or in pert at arty time without penalty. Security Interest To secure all of your obligations under this Note,you grant us a security interest and lien In the Property and all accessories,accessions,equipment,and replacement parts installed on the Property,the Insurance proceeds resulting from loss or damage to the Property,the proceeds of any sale of the Property and the proceeds of any of the foregoing.To the extent permitted by applicable law,you authorize us as your attorney-In-fact to sign your name on any documents necessary to properly perfect and record our security Interest NOTICE:BY OIVIN0 US A SECURITY INTEREST IN THE PROPE,iTf-Y,YOU WAIVE ALL RIGHTS PROVIDED}BY LAW TO CLAIM SUCH PROPERTY EXEMPT FROM PROCESS,TC)THE EXTENT PERMITTED BY LAW. Ownership arid Risk of Loss.You agree that you will protect our security interest In the Property by;(a)maintaining the Property in good condition;(b)paying ell taxes,fees,Pines,and any other charges assessed against the Property;(C) Immediately notifying us if any governmental authority impounds or confiscates the Property;(d)not misusing the Property;(a)not permitting the Property to be used for hire,illegally or contrary to the terms of any insurance policies covering the Property;(t)not ietdn`g the Property out of your state of residence or registering the Property in another state without our prior written consent;(g)not s etlirud,transferring,or assigning your right,title,or interest in the Property without our prior written consent;and(h)not allow any lien,encumbrance,or other security interest to be placed against the Property without our prior written consent. Location of Property.You will immediately notify us in writing of any change in your address or the address where the Property is regularly located. Required Physical Damage Insurance.You agree to keep the Property insured at your own expense against all loss or damage with a deductible not greater then$500.This insurance must be for not less than the actual cash value of the Properly.Your insurance policy must name us as toss payee and must require 10 days advance written notice to us before any cancellation of the policy.If you suffer a total loss of the Property and the Insurance proceeds are less than the total outstanding balance due on this Note(including principal,finance charges,and any other charges),you will be liable to us for he differmice.You may obtain this insurance from any company you choose,except that we reserve the right to refuse any insurance that you offer for reasonable cause_You authorize us as your attorney-in-fact to endorse your rmrtre an airy check we receive for insurance proceeds,to the extent permitted by law. Defaatt.You will be in default under this Note If;(a)you faro to make any payment when due;(b)you fail to perform any of your obligations under this Note;(c)any information that you furnished to us in connection with this loan proves to leave been false or materially misleading;(d)you sell or transfer the Property;(e)any proceeding is commenced by or against you under any bankruptcy or Insolvency law;(I)the Property is levied upon or seized under any legal prooess;or (g)the Property is lint,stolen,or suffers substantial damage. Rights and Remedies Upon Default If you default under this Note,we can require you to immediately pay all that you owe us on this Note.We also will have all rights and remedies of a hared party under the Uniform Conirnarciel Cede and other applicable laws or as provided in this Note,such as,but not limited to requiring you to,delivering the Property to us or our repose sling the Property,Including by peacefully and lawfully entering upon the property where the Property is kept.We do not have to repossess the Property or exercise any of our other rights before collecting from you. At our option and without obligation to do so,we can have any repairs made to the Property that we deem desirable.If there is?ray personal property in the Property at the time we take possession or it,we will store it for you far a reasonable time after which we may dispose of it in a comanerctally reasonable manner and apply the proceeds to the amounts you owe tie. Costa of CollectIon.You agree to pay all costs and expenses that we incur in collecting any amounts due.under!his Note or enforcing this Note,Including reasonable attorneys'fees and court costs,to the extent permitted by applicable law. Sale of Repossessed Property.We will send you a written notice of ante at least ten(10)days before selling the reposed Properly,If you do not redeem the Property by the date in the notice,we can sell the#property.The sale proceeds,lass amounts we pay to take back the Property,hold it and sell it,and less our attorneys'fees and legal costs to the extent permitted by law,will be used to pay the amounts you owe an this Note.Any money left will be paid to you unless the law requires us to pay it to someone else,ti the sale proceeds are riot enough to tray everything that you owe us on this Note plus costs of repossession and,ale,you wall pay what is still owed(the deficiency)to us,to the extent allowed by law.it you owe us a deficiency,you will be charged finance charges at the Annual Percentage Rate disclosed in this Note until you pay us all that you owe. MCAE n Initials✓ L L.l Page 2 of 3 8001 Woodland Center Blvd Suite#200 Tampa,FL 33614 Voice: 1-800-670-9944 Fax: 1-813-849-0914 TTY:1-888-401-9024 June 8, 2022 Yoslandi Martinez 3610 14th Ave NE Naples, FL 34120 Original Creditor: DSNB—Department Stores National Bank Regarding: Macy's Credit Card Our Account Number: 8616224 Client Reference#: XXXX-XXXX-XXXX-1110 Balance: $737.72 Current Balance: $0.00 This is to advise that Credit Control, LLC., as authorized agent for DSNB-Department Stores National Bank regarding your Macy's Credit Card has received your balance in the amount of$737.72 on the above noted account.The account now shows a zero balance in our office. If your payment is returned for any reason this offer is null and void. If you have any questions regarding this matter, please do not hesitate to contact this office at 1-800-670-9944 or P.O. Box 31179,Tampa FL 33631 or you can visit us on the web at -ww.credit-control.com. This is an attempt to collect a debt by a debt collector. Any Information obtained will be used for that purpose. You may opt out/unsubscribe to receive future email communication by replying to this email with the word unsubscribe. Regards, Hays Roden Collections Supervisor Personal,e,v;e...ittt/ers„,,r<•. Statement Date 08-12-22 /--' r r r- - She ffleldfinanciaLcom 0r r / r- l INSTALLMENT LOAN STATEMENT ' Customer Name YOSLANDI MARTINEZ Account Number 20 942825 1 Payment Due 08 30 ;22 Total Amount Due $141.43 - MONTHLY STATEMENT SUMMARY CONVENIENT WAYS TO PAY Current Principal Balance $2,417.06 Previous Principal Balance $2,917.06 Manage your account 24 hours a day, 7 days a week Daily Interest As of Stmt. Date $0.662 Payment Address Contract Payment Amount $213.81 ®Online Bill Pay Sheffield Financial Payoff $3,288.41 ' Nr fr.„rent tineRMdHnnro,el tom PO Box 580229 Payoff good through 08-30-22 Charlotte,NC 28258 0229 I Checks payable to r\e `1 Sheffield Express 24 , Sheffield Financial 1 ‘4,‘' 1-800-735-1903 \wJDO NOT MAIL CASI-I See back for additional contact information. PAYMENT STATUS Current Amount Due $21.43 IMPORTANT ACCOUNT MESSAGES Past Due Amount $0.00 Payments via Credit Card In the coming months,Sheffield Financial will Fees/Charges $120.00 Il - no longer accept Visa,MasterCard or Discover Credit Cards for payments on your account.If you want to make your payment electronically,Sheffield will continue to , Total Amount Due $141.43 accept one-time or recurring ACH payments via your checking or savings account, and one-time payment via Visa and MasterCard debit cards.Please make the necessary changes to your payment method in preparation for this change. RECENT TRANSACTIONS Interest Paid In 2021: $158.68 Code Date Description Amount Balance Protect your personal information and access to your Sheffield account-do not �t provide anyone with your personal identifying information or access to your Previous Principal Balance $2,917.06 Sheffield loan account. 0600 07-29-22 Payment$500.00—Thank You When you provide a check as payment,you authorize us to use information from • your check to make a one-time electronic fund transfer from your account.In Applied to Principal ($500.00) $2,417.06 certain circumstances,such as for technical or processing reasons,we may process your payment as s check transaction.When we use information to make Current Principal Balance $2,417.06 an electronic fund transfer,funds may be withdrawn from your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution. 02-le'411tP ptyyra414 //V 19 7t 3(;). .44Z/66 i 7-// 65 A Please detach here and mail with your payment in the enclosed envelope.Make check payable to Sheffield.Be sure to include your loan account number on the check.Allow 7 days for postal delivery. CHANGE OF ADDRESS AND PHONE Customer Name YOSLANDI MARTINEZ You can update your address at SheffieldFinancial.com,or complete this form below. Account Number 20 942825 1 Payment Due 08-30-22 streetAddress: Total Amount Due $141,43 P.O.Box: City,State,Zip: .. .. . Amount Enclosed Home Phone(Land Line): DO NOT MAIL CASH Cell Phone: _ . T37 P5 150861-13-3-1 -12344 012344 YOSLANDI MARTINEZ ,3, CAROLINA MENDEZ Ill'1I1IIIIIIIIIIIIII"il"'I"I"III'1I1I'IIIIII"1I'IIIIIl1'IIII ,".fea•. ANTELO INVESTMENTS INC DBA GARDEN S SHEFFIELD FINANCIAL 3610 14TH AVE NE rM PO BOX 580229 NAPLES, FL 34120-5551 CHARLOTTE NC 28258-0229 NAPLES, 012344 3 2220942825100000141430112298 IL Code 22 Reg Pmt Code 01 Filing # 145366199 E-Filed 03/09/2022 12:07:16 PM IN THE COUNTY COURT OF THE TWENTIETH JUDICIAL CIRCUIT IN AND FOR COLLIER COUNTY,FLORIDA CIVIL DIVISION GROW FINANCIAL FEDERAL CREDIT UNION Plaintiff, vs. CASE NO- 11-2020-CC-001202-0001-XX CAROLINA MENDEZ,YOSLANDI MARTINEZ,K C MARBLE&TILE INC Defendant, ORDER DISSOLVING GARNISHMENT THIS CAUSE having come on to be heard on March 9,2022,on the Defendant's Claim of Exemption, and the Court having heard testimony and argument and considered same, it is hereby ORDERED and ADJUDGED: That the Court finds that the Defendant has established exemption to this Writ of Garnishment, and as such, the Writ of Garnishment is hereby DISSOLVED. Accordingly, the Garnishee is hereby directed to release to the Defendant immediately any funds that were previously being withheld under the Writ. DONE AND ORDERED in Chambers at the Collier County Courthouse. ...._._-- eSigned Janeice T in 1 -2020-C -001202-0001-XX `a; 22022 12:G6:57 stdOmrveX Electronic Service: Jeffrey J Mouch<collectionsservice@kasslaw.com> Carolina Mendez cmendezeguez(wgmail.com Pei + 1- . I taNRobert A.Cooper HAHN LOESER Direct Phone: 239.337.6700 Direct Fax: 239.337.6731 EST. 1920 I MORE THAN A CENTURY OF CLIENT SERVICE Email: racooper@hahnlaw.com February 6, 2023 VIA FEDERAL EXPRESS Collier County Growth Management Division Planning & Regulation Operations Department Attn: Contractor's License Section 2800 North Horseshoe Drive Naples, FL 34104 Re: Contractor's License Board Case No. CEMIS20220006051 —2215 Arielle Drive, Unit 1206 Contractor:Ralph Novella, Novella Limited, Inc. Hearing Date:Monday, February 13, 2023 at 9:30 A.M. To Whom It May Concern: This Law Firm represents Ralph Novella and Novella Limited, Inc. in connection with a complaint filed on June 28, 2022 by Horst R. and Sandra A. Konrad, 2215 Arielle Drive, Unit 1206, against Mr. Novella and Novella Limited, Inc., resulting in a referral to the Contractor's License Board, Case No. CEMIS20220006051. In connection with the hearing, please accept this letter and the attachments (15 copies) as Mr. Novella's defense package (Novella Composite Exhibit B). Summary. On or about August 21, 2021, Mr. and Mrs. Konrad hired Novella Limited, Inc. to remodel a portion of their kitchen and bathroom. A copy of the contract between Mr. and Mrs. Konrad and Novella Limited, Inc. is attached hereto as Novella Composite Exhibit B-1. Per the contract, Mr. and Mrs. Konrad were responsible for hiring separate contractors and paying for certain work — such as flooring, tile and cabinetry. Mr. Novella is not responsible for other contractors hired directly by Mr. and Mrs. Konrad. 14374442.1 HAHN LOESER & PARKS LL..P attorneys at law enN H A rl O E S E R Collier County Growth Management `0 February 6,2023 �\ Page 2 EST. 1920 I MORE THAN A CENTURY OF CLIENT SERVICE At the time of the contract signing, the COVID-19 pandemic was in full swing resulting in delays in work, materials, communications, and securing of permits for work. Mr. Novella made Mr. and Mrs. Konrad fully aware of the delay in starting the work, including delays in obtaining a permit for the work. However, contrary to the statements made by Mr. and Mrs. Konrad in their complaint, it was Mr. and Mrs. Konrad who wanted the work started and completed without further delay and instructed Novella Limited, Inc. and Mr. Novella to start work without obtaining a permit. Despite Mr. Novella having full knowledge that working without a permit was wrong and illegal, Mr. Novella agreed with Mr. and Mrs. Konrad to complete the work without a permit. Mr. Novella regrets giving into the demands of Mr. and Mrs. Konrad. The work was completed and Novella Limited, Inc. was paid. Mr. Novella did not, and has not, received any complaint about the work from Mr. and Mrs. Konrad. Approximately, 12 months later and without any prior notice to Mr. Novella, Mr. and Mrs. Konrad filed a complaint with Collier County against Novella Limited, Inc. and Mr. Novella for failure to obtain a permit. A copy of the Complaint summary filed by Mr. and Mrs. Konrad is attached hereto as Novella Composite Exhibit B-2. The statements and allegations in the Complaint filed by Mr. and Mrs. Konrad are false. Mr. Novella took full responsibility for obtaining the permit and required inspections. On or about August, 2022, Mr. Novella started submitting the information necessary to obtain a building permit for the work to Collier County. Ultimately, the application was finalized and accepted on January 10, 2023. A copy of the Permit Application Status summary is attached hereto as Novella Composite Exhibit B-3. On January 30, 2023, a notice of Outstanding Corrections was issued by Collier County. A copy of the notice of Outstanding Corrections is attached hereto as Novella Composite Exhibit B-4. The corrective items concern corrective drawings to be submitted Mr. and Mrs. Konrad's architect, Berlin Design Group, Inc. The notice was forwarded to Mr. and Mrs. Konrad's attorney, Todd Allen. A copy the letter to Attorney Allen is attached hereto as Novella Composite Exhibit B-5. Upon information and believe, the notice was subsequently forwarded to Berlin Design Group, Inc. by Attorney Todd Allen. On February 6, 2023, Mr. Novella confirmed (via telephone call) with Berlin Design Group, Inc. that Berlin Design Group, Inc. was actively working on the corrections to the drawings for the work. Upon receipt of the revised drawings from Berlin Design Group, Inc., Mr. Novella will submit the revised drawings to Collier County—resulting in a building permit. PiNiark AE R Collier County Growth Management HAHN kw February 6,2023 J4 �d Page 3 EST.1920 I MORE THAN A CENTURY OF CLIENT SERVICE Mr. Novella acknowledges his error and is sincerely sorry for undertaking the work without a permit. Mr. Novella is taking all action necessary to obtain the permit and the inspections of the work. Mr. Novella respectfully request that the Licensing Board consider the foregoing when adjudicating the matter. Respectfully, . . c. Robert A. Cooper, Esq. Enclosure (Exhibits) cc: Client AenN� Robert A. Cooper HAHN y�i LOESER aDirect Phone: 239.337.6700 Direct Fax: 239.337.6731 EST. 1920 I MORE THAN A CENTURY OF CLIENT SERVICE Email: racooper@hahnla w.corn February 6, 2023 VIA FEDERAL EXPRESS Collier County Growth Management Division Planning & Regulation Operations Department Attn: Contractor's License Section 2800 North Horseshoe Drive Naples, FL 34104 Re: Contractor's License Board Case No. CEMIS20220006051 —2215 Arielle Drive, Unit 1206 Contractor: Ralph Novella, Novella Limited, Inc. Hearing Date:Monday, February 13, 2023 at 9:30 A.M. To Whom It May Concern: This Law Firm represents Ralph Novella and Novella Limited, Inc. in connection with a complaint filed on June 28, 2022 by Horst R. and Sandra A. Konrad, 2215 Arielle Drive, Unit 1206, against Mr. Novella and Novella Limited, Inc., resulting in a referral to the Contractor's License Board, Case No. CEMIS20220006051. In connection with the hearing, please accept this letter and the attachments (15 copies) as Mr. Novella's defense package (Novella Composite Exhibit B). Summary. On or about August 21, 2021, Mr. and Mrs. Konrad hired Novella Limited, Inc. to remodel a portion of their kitchen and bathroom. A copy of the contract between Mr. and Mrs. Konrad and Novella Limited, Inc. is attached hereto as Novella Composite Exhibit B-1. Per the contract, Mr. and Mrs. Konrad were responsible for hiring separate contractors and paying for certain work — such as flooring, tile and cabinetry. Mr. Novella is not responsible for other contractors hired directly by Mr. and Mrs. Konrad. EXHIBIT 14374442.1 HA.HN LOFSFR & PARKS L 1_ P attorneyF at Law I l�i A H�/� R Collier County Growth Management February 6,2023 Page 2 EST.1920 I MORE THAN A CENTURY OF CLIENT SERVICE At the time of the contract signing, the COVID-19 pandemic was in full swing resulting in delays in work, materials, communications, and securing of permits for work. Mr. Novella made Mr. and Mrs. Konrad fully aware of the delay in starting the work, including delays in obtaining a permit for the work. However, contrary to the statements made by Mr. and Mrs. Konrad in their complaint, it was Mr. and Mrs. Konrad who wanted the work started and completed without further delay and instructed Novella Limited, Inc. and Mr. Novella to start work without obtaining a permit. Despite Mr. Novella having full knowledge that working without a permit was wrong and illegal, Mr. Novella agreed with Mr. and Mrs. Konrad to complete the work without a permit. Mr. Novella regrets giving into the demands of Mr. and Mrs. Konrad. The work was completed and Novella Limited, Inc. was paid. Mr. Novella did not, and has not, received any complaint about the work from Mr. and Mrs. Konrad. Approximately, 12 months later and without any prior notice to Mr. Novella, Mr. and Mrs. Konrad filed a complaint with Collier County against Novella Limited, Inc. and Mr. Novella for failure to obtain a permit. A copy of the Complaint summary filed by Mr. and Mrs. Konrad is attached hereto as Novella Composite Exhibit B-2. The statements and allegations in the Complaint filed by Mr. and Mrs. Konrad are false. Mr. Novella took full responsibility for obtaining the permit and required inspections. On or about August, 2022, Mr. Novella started submitting the information necessary to obtain a building permit for the work to Collier County. Ultimately, the application was finalized and accepted on January 10, 2023. A copy of the Permit Application Status summary is attached hereto as Novella Composite Exhibit B-3. On January 30, 2023, a notice of Outstanding Corrections was issued by Collier County. A copy of the notice of Outstanding Corrections is attached hereto as Novella Composite Exhibit B-4. The corrective items concern corrective drawings to be submitted Mr. and Mrs. Konrad's architect, Berlin Design Group, Inc. The notice was forwarded to Mr. and Mrs. Konrad's attorney, Todd Allen. A copy the letter to Attorney Allen is attached hereto as Novella Composite Exhibit B-5. Upon information and believe, the notice was subsequently forwarded to Berlin Design Group, Inc. by Attorney Todd Allen. On February 6, 2023, Mr. Novella confirmed (via telephone call) with Berlin Design Group, Inc. that Berlin Design Group, Inc. was actively working on the corrections to the drawings for the work. Upon receipt of the revised drawings from Berlin Design Group, Inc., Mr. Novella will submit the revised drawings to Collier County—resulting in a building permit. PIN 1 Collier County Growth Management H A H N y"�1 L O E S E R February 6,2023 Page 3 EST.1920 I MORE THAN A CENTURY OF CLIENT SERVICE Mr. Novella acknowledges his error and is sincerely sorry for undertaking the work without a permit. Mr. Novella is taking all action necessary to obtain the permit and the inspections of the work. Mr. Novella respectfully request that the Licensing Board consider the foregoing when adjudicating the matter. Respectfully, L. Robert A. Cooper, Esq. Enclosure (Exhibits) cc: Client 1011 NOVELlA LIMITED INC. hsidrnNor Ca►w+w►teka •NOW CoitrueNon MrMOISIO•Nom*IMMOVOIMMIS PROPOSAL 08/19/21 Proposal Submitted to: Job Name: Horst R. Konrad Residence Remodel 22015 Arielle Drive unit 1206 Naples, FL 34109 Sandra's cell 618-670-3588 zeusqueen62@gmail.com Ron's cell 217-652-6756 I. Summary of Work: Interior remodel of Kitchen and Master Bathroom, all in accordance to the stamped architectural drawings provided by Berlin Design Group Inc. Novella Limited Inc. will be referenced as NLI in explanations below. II. Clarification/Assumptions/Qualifications: Home owner is responsible for all fees associated with design changes i.e., new drawings and building dept. fees. Included is NLI will be the acting contractor and secure required building department permits. NLI will supply all labor and materials to paint all new walls and wood trim. Ceiling fan is to be supplied by owner and installed by NLI's electrician. Flooring and cabinetry to be supply and installed by outside source and pre-paid by owner under a separate contract between said company and owner. III. Additional notations: • Plumbing allowance is $2,500.00, Electrical allowance is $3,000.00. These tow allowances will be formalized and written as a change order once the demolition work is complete. • No allowance for (2) sets patio impact doors, awaiting cost for supply and installation. • Not included: unknow conditions to existing structure that may need repair or replacement before making structure tie-ins. This will be addressed in a separate change order if discovered. • Electrical & plumbing fixtures were not specified and will be added as a change order. PRICE AND TERMS OF PAYMENT: To provide all labor and materials to finish work stated above is: Thirty Two Thousand Dollars, $32,000.00. A deposit of 1/3 $10,560.00 is required at contract signing. A second draw of 1/3, $10,560.00 is due at the completion of first rough of plumbing and electric.The finial draw is due upon finial building permit sign off and completion owner punch out. All change orders are an addition to this contract and due upon signing. Acceptance of Proposal: The above prices, specifications, conditions and terms are satisfactory and hereby accepted. You are authorized to do the work as specified. Client Novella Limited Inc. 8770 King Lear Court, Fort Myers, FL 33908 Phone (239) 994-4912 EXHIBIT novellalimited@hotmail.com TERMS AND CONDITIONS Contract Documents. This Proposal and this Proposal alone shall constitute the contract existing between the parties. Construction Defect Claim Notice. Any claims for construction defects are subject to the notice and cure provisions of Chapter 558,Florida States. (Fla.Stat.§ 558.005(6)(2009)). Legal Terms. The terms and provisions of this Proposal and any dispute arising in connection herewith shall be governed by and construed in accordance with Florida law. The parties agree that all disputes arising under this Proposal shall be resolved by the courts and not by arbitration. The parties further agree that the venue for any legal action brought in connection with this Proposal shall be in Lee County,Florida. In connection with any litigation arising out of or related to this Proposal,the prevailing party shall be entitled to recover all costs incurred,including reasonable attorneys'fees. Personal Guarantee. The individual(s) whose signature appears on the acceptance of this Proposal personally guarantees the performance of all obligations to be performed by the Owner, including but not limited to, payment for the work to be furnished by Target. Past Due Balances. All sums owed to Novella Limited Inc.which are not paid within thirty (30)days from the date due to be shall accrue interest at the highest rate permitted by Florida law. No Damages for Delay. Under no circumstances shall the Owner be entitled to recover from Novella Limited Inc.any monetary damages or loss it might sustain as a result of any delay, intentional,negligent,or otherwise,caused Owner by any act or omission of Novella Limited Inc.or its material suppliers or subcontractors. Workmanship. All work is to be completed in a workmanlike manner according to standard industry practices. Express Warranty.Novella Limited Inc expressly warrants its work to have been performed in accordance with the specifications set forth on the face of this Proposal for a period of one(1)year from the date the work is completed. If Novella Limited Inc's work is found not to be in accordance with the requirements of the specifications set forth on the front of this Proposal, Novella Limited Inc shall correct the work promptly upon receipt of written notice from Owner. THE FOREGOING EXPRESS WARRANTY IS IN LIEU OF ALL EXPRESS AND IMPLIED WARRANTIES ARISING BY OPERATION OF LAW, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE OR IMPLIED WARRANTY OF MERCHANTABILITY OR HABITABILITY AND ALL SUCH IMPLIED WARRANTIES SHALL BE DEEMED WAIVED AND RELEASED. Damage Limitation and Waiver. In the event of any breach of contract or defective work claim against Novella limited Inc, Novella limited Inc's total liability to Owner shall be deemed limited to the contract price reflected on the front of this Proposal. All claims for damages of any kind in excess of the contract price reflected on the front of this Proposal are expressly waived and released by Owner. All claims by Owner for consequential damages arising from any breach of contract or defective work claim against Novella Limited Inc are expressly waived and released by Owner. Back Charges. The Owner shall not be entitled to make any unilateral,deductive charges against the proposal price owed Novella limited Inc. All deductive charges or set-offs against the proposal price shall only be made with the written agreement of Novella limited Inc. Insurance Requirements. Novella limited Inc shall provide Workman's Compensation Insurance covering the employees of Novella limited Inc and General Liability Insurance with limits of One Hundred Thousand and No/100 Dollars($100,000.00) per person and Three Hundred Thousand and No/100 Dollars($300,000.00)per accident. Owner shall maintain property insurance and such other insurances as it deems necessary. The risk of any loss associated with work in place shall be borne by the Owner and the Owner shall take such action as it deems appropriate to protect itself from those exposures. Additional Work. Any work not appearing or described on the specifications set forth on the face of this Proposal or alterations or deviations from said specifications shall be deemed additional work and shall only be performed upon the execution of an appropriate written change order between Owner and Novella limited Inc. General. No modification,waiver,amendment,discharge or change of this Proposal shall be valid unless the same is in writing and executed by the party against whom enforcement is sought. This Proposal and Acceptance shall be binding upon and inure to the benefit of the parties hereto, their respective heirs, legal representatives, successors, and assigns. If any provision or any portion of any provision of this Proposal and Acceptance shall be held invalid or unenforceable, the remaining portion of such provision, and the remaining provision of this Proposal shall not be affected thereby. Owner acknowledges that it has read this Proposal and that it fully understands the totality of its responsibilities hereunder. 2/6/23, 11:15AM Complaint Status-CityView Portal Complaint Status CEMIS20220006051 Date: 6/28/2022 Expand All/Collapse Ali Note:You can collapse and expand individual sections by clicking the header of the section you wish to collapse/expand. _ Complaint Information Case Number: CEMIS20220006051 Status: Refer to CLB Complaint Type: Misconduct Description: Contractor provided a notarized Notice of commencement.During the process of the remodel I asked him several times where the Permit was and had the inspector come to the condo. He assured my husbanf and I that he had taken care of all the paper work with Collier County but never produced the permit to us.I have cancelled checks totalling$36,377.00 He subcontracted out the Electrical and the Plumbing for our kitchen and bathroom. I have his proof of insurance,contract and all papers he provided.I also gave him a certified copy of our architechtural drawings.Thank you for any help you can give us. Locality of Complaint: The remodel was the kitchen and bathroom of our condo at 2215 Arielle Dr.,Unit 1206,Naples,Fl 34109. Our phone numbers are Horst Konrad 217-652-6756 and Sandra Konrad 618-670-3588. P#22360022641 Property Owner's Full Name: KONRAD,HORST R&SANDRA S — Locations Locations: Property 22360022641 Address 2215 Arielle DR 1206_(Unit),Naples 22360022641 — Inspections There are no inspections for this complaint. EXHIBIT 2/6/23, 11:12 AM Permit Application Status-CityView Portal Permit Application Status PRMEH2O230101154 In order to view fees or schedule inspections,you need to be signed in. Expand All/Collapse All Note:You can collapse and expand individual sections by clicking the header of the section you wish to collapse/expand. — Summary Application Number: PRMFH2O230101154 Application Type: Multi Family Home Application Status: Rejected Property Owner's Full Name: KONRAD,HORST R&SANDRA S Category of Work: Alteration/Remodel Occupancy Code: Residential,Multi-Family Description of Work: REMOVE EXISTING KITCHEN CABINETS AND HALF NON LOAD BEARING WALL TO OPEN UP KITCHEN.REPLACE BATH TUB WITH STAND ALONE SHOWER IN MASTER BEDROOM BATH. **PRIVATE PROVIDER-UNIVERSAL ENGINEERING SCIENCES,INC- INSPECTIONS ONLY** 2215 Arielle DR 1206, (Unit),Naples Application Date: 01/10/2023 Expiration Date: 07/29/2023 1-2 Family or Comm: Commercial — Business Name at Location (Portal) Business Name: — Locations Locations: Property 22360022641 Address 2215 Arlene DR 1206,_(Unit)_, Naples — Contacts Applicant: RALPH NOVELLA,Address:8770 KING LEAR COURT Property Owner: KONRAD,HORST R&SANDRA S,Address:2215 ARIELLE DR#1206 Qualifier: NOVELLA,RALPH,Address:8770 KING LEAR CT,Phone:(239)482-6684,Licensee #Q28049 License Status Contractor: NOVELLA LIMITED INC.,Address:8770 KING LEAR COURT,Phone:(239)994-4912, State Reg#'s CBC1253221,Licensee#LCC20130000955 License Status Private Provider: UNIVERSAL ENGINEERING SCIENCES,INC.,Address:201 WALDO AVE NORTH, Phone:(813)740-8506,Licensee#LCPRIV20160001327 License Status Permits— (Click to See Reviews) — Permit Number: PRMFH2023010115401 — Deposits& Bonds There are no deposits or bonds for this permit application. — Inspections Inspection 1 Outcome Requested Scheduled Date Inspect EXHIBIT 523-Remodel Corn Electrical Rough Pending B Inspector: 2/6%23, 11:12 AM Permit Application Status-CityView Portal • 618-Smoke/Heat Detectors Pending Inspector: 610-Penetration Protection Pending Inspector: ------- --------- 612-Fire Barrier Wails/Framing- Pending Rough Inspector: 613-Final Fire Barrier Walls Pending Inspector: 630-Door/Windows/Opening Pending Protection Inspector: 641-Final Fire Pending Inspector: 215-Remodel Com Plumbing Rough Pending Inspector: 524-Remodel Corn Electrical Final Pending Inspector: 216-Remodel Com Plumbing Final Pending Inspector: — Conditions — Documents &Images Date Uploaded 1File Type Document Name 01/10/2023 Private Provider Private Provider Packagg_(Konrad p;tperwork.114f) Information 01/10/2023 Private Provider Private Provider Packagg(NOTORIZED FORMS,p) Information 01/30/2023 Construction Plans Architectural Plans(DS Konrad Alterations ShtS 1-3-Prepared(Received)ppf). 01/30/2023 Applications Application Form(pplication form 1-4-Prepared(Received).pdf) 01/11/2023 Letter Incomplete Application Notice(Generate Incomplete Aoolication Notice). 01/17/2023 Letter Payment Slip(PR-App) 01/18/2023 Receipt Receipt for transaction:2023-004418 01/30/2023 Letter Corrections Letter EPR-Outstanding Corrections Portal Home COLLIER COUNTY GOVERNMENT GROWTH MANAGEMENT DEPARTMENT / BUILDING REVIEW & INSPECTION DIVISION 2800 N. Horseshoe Drive, Naples FL 34104 * Phone (239) 252-2428 Outstanding Corrections Date: January 30, 2023 PERMIT NO: PRMFH2023010115401 Contact Name: RALPH NOVELLA APPLICATION NO: PRMFH20230101154 Address: 8770 KING LEAR COURT JOB SITE ADDRESS: 2215 Arielle DR 1206, (Unit) , City, State Zip: FORT MYERS, FL 33908 Naples Email:NOVELLALIMITED@HOTMAIL.COM Dear Applicant: Plans submitted with the referenced permit have been reviewed. We are unable to approve your permit application for the reason(s)indicated below. For Applications Submitted through the GMD E-Permitting Portal: • Resubmittals must be submitted in the same session and the changes must be clouded. • Corrected documents must be submitted as complete files (with the corrected sheets replacing the rejected sheets). Submittals containing just the corrected sheets will be returned as Insufficient. • A written letter of response summarizing the changes made to address each correction comment must be included in your resubmittal. Failure to include a written letter of response will result in a rejection. • After your resubmittal is processed the documents will be reviewed again; additional deficiencies may be identified through this process. JOB DESCRIPTION: REMOVE EXISTING KITCHEN CABINETS AND HALF NON LOAD BEARING WALL TO OPEN UP KITCHEN. REPLACE BATH TUB WITH STAND ALONE SHOWER IN MASTER BEDROOM BATH. **PRIVATE PROVIDER- UNIVERSAL ENGINEERING SCIENCES, INC - INSPECTIONS ONLY** 2215 Arielle DR 1206, (Unit) , Naples Rejected Review: Structural Review Reviewed By: Andrew Ewing Phone:239-252-2470 Email:Andrew.Ewing@colliercountyfl.gov Correction Comment 1: Per Florida Building Code Seventh Edition [2020]Section 107.3.5 design professional shall provide project data information. It shall include but not be limited to: 1. Classification of work? Refer to FBC Existing Chapter Six Correction Comment 2:As of January 1, 2020, the Product Approval/NOA index sheet is a required form. Please see links below for form and instructions. EXAMPLE & INSTRUCTIONS: https://www.colliercountyfl.gov/Home/ShowDocument?id=87550 BLANK FORM: https://www.colliercountyfl.gov/home/showdocument?id=76659 EXHIBIT No index sheet found with submittal. s Correction Comment 3: FBC 7th 2020 Chapter 16 Structural Design Per FBC Seventh Edition [2020] Section 1609, please provide the opening design pressures- positive&negative at openings where new doors are being installed. Correction Comment 4: FBC Chapter 1 Scope and Administration As required per Section 107 of the FBC Seventh Edition [2020], please provide wall and soffit/ceiling details to include material type and fasteners showing compliance with wall systems and the building construction type. Correction Comment 5: FBC 7th 2020 Chapter 14 Exterior Walls Please indicate the method of fenestration flashing to be performed and completed for the new doors per FBC Seventh Edition [2020] Section 1405.4. Correction Comment 6: To expedite the review process, please provide a correction comment response letter, itemize your responses to correspond with each comment. In your response letter, indicate the correction made and on what page it can be found or acknowledge compliance with the request. All corrections shall be identified/clouded on the corrected plan sheets. Subsequent review(s) may reveal additional deficiencies. Non-compliance with this request may result in an automatic rejection of your revised/corrected submittal. Rejected Review: Fire Review Reviewed By: Margarita Acevedo VEN Phone:239-252-2309 Email:Margarita.Acevedo@colliercountyfl.gov Correction Comment '1: Please note Sheet A-1 identifies the incorrect Florida Fire Prevention Code (2017, 6th edition). Please note the correct edition is Florida Fire Prevention Code 2020, 7th edition. Please correct. Correction Comment 2: Any alteration/modification to the fire sprinkler system and fire alarm system will require a separate permit prior to working on the system. Please acknowledge on correction. Correction Comment 3: Please identify any tenant wall separations. Should damage occur to fire rated assembly(i.e. floor/ceiling/wall), you must provide onsite for fire inspector the repair method with an approved ?UL? or equal design. FFPC 7th ed. 101:8.3.5.1 Please acknowledge on correction. Correction Comment 4: Please provide square feet for area of work only. Rejected Review: Plumbing and Handicap Review Reviewed By: Tobias Hytonen Phone:239-252-2659 Email:Tobias.Hytonen@colliercountyfl.gov Correction Comment 1: Provide shower drain detail drawing Include material and method of connection between shower pan and existing pipe. The Shower drain detail is a drawing showing the materials and the Proper installation method together to prevent leaks in the shower system and drain most manufacturers have this on their website. This provides the county a record on file of what was used for the repair or alteration, And the plan reviewer the proper information for approval. Correction Comment 2: Informational only: FBC 107.2.1 Construction documents shall be of sufficient clarity to indicate location, nature and extent of the work proposed and show in detail that it will conform to the provisions of this code and relevant laws, ordinances, rules, and regulations as determined by the building official. NOTE: All corrections are to include a response letter identifying the changes made for each rejection comment and corrections on the plans clouded This review shall be considered incomplete pending receipt of requested and required information. Subsequent review(s)may reveal additional deficiencies. ATTENTION: Collier County Plan Review and Inspections routinely reviews all outstanding permit applications in order to determine their status. The review process includes appropriate responses from the permit applicant when the permit cannot be approved. When the applicant is advised of deficiencies and does not respond within 180 days with corrected plans or an appeal to the Code Enforcement Board, the permit application will become Void as per Collier County Ordinance 2002-01, Section, 104.5.1.1 to 104.5.1.4(as amended). - -- ~---- ��- -=r�~�-~--�=-=�~�`-_� - ~~ . ^ ` ' � ^ ' ! ° ' / � " ^ � i | ' ~ . ` . IRobert A.Cooper,Esq. HAHN E R Phone: 239.337.6700 Fax:239.337.6701 E-mail:racooper@hahnlaw.com EST.1920 I MORE THAN A CENTURY OF CLIENT SERVICE January 31, 2023 VIA REGULAR U.S. MAIL AND EMAIL todd@lindsayallenlaw.com Todd B. .Allen, Esq. Lindsay Allen 13180 Livingston Road Suite 206 Naples, FL 34109 Re: My Client: Novella Limited, Inc./Ralph Novella Your Clients: Mr. and Mrs. Konrad, 2215 Arielle Drive, Unit 1206, Naples, FL 34109 Dear Mr. Allen: This Law Firm represents Novella Limited, Inc. and its principal Ralph Novella ("Novella") in connection with the dispute with your clients, Mr. and Mrs. Konrad, concerning permitting issues at 2215 Arielle Drive, Unit 1206, Naples, FL 34109. In connection with obtaining and closing a permit for the work performed by Novella Limited, Inc. for Mr. and Mrs. Konrad at their home, Collier County, Florida, has issued a Correction Notice setting for several corrections and edits that Mr. and Mrs. Konrad's architect, Berlin Design Group, Inc., must make to its architectural drawings for resubmittal to Collier County, Florida. The architect, Berlin Design Group, Inc. was hired and paid by your clients. The Correction Notice is enclosed herewith. Please have Berlin Design Group, Inc. make the necessary corrections/edits to its architectural drawings and provide the updated architectural drawings and the written letter summarizing the responses to the Correction Notice—all as set forth in and required by the Correction Notice. As soon as Berlin Design Group, Inc. submits the corrective documents, Novella will be in a position to secure the permit, call for inspection and close out the permit. To the extent that Collier County, Florida, requires correction to work performed by contractors hired directly by Mr. and Mrs. Konrad, other than Novella, Mr. and Mrs. Konrad are solely responsible for coordinating said corrective work with its contractors, including payment thereof. EXHIBIT HAHN LOESER & PARKS LLP attorneys at la Mr.Allen,Esq. January 31,2023 Page 2 If you have question, please feel free to contact rue. Respectfully, (4'7/(i' - Robert A. Cooper Enclosure— Collier County Corrective Notice cc: Novella 14363962 I COLLIER COUNTY GOVERNMENT GROWTH MANAGEMENT DEPARTMENT / BUILDING REVIEW & INSPECTION DIVISION 2800 N. Horseshoe Drive, Naples FL 34104 * Phone (239) 252-2428 Outstanding Corrections Date: January 30, 2023 PERMIT NO: PRMFH2023010115401 Contact Name: RALPH NOVELLA APPLICATION NO: PRMFH20230101154 Address: 8770 KING LEAR COURT JOB SITE ADDRESS: 2215 Arielle DR 1206, (Unit), City, State Zip: FORT MYERS, FL 33908 Naples Email:NOVELLALIMITED@HOTMAIL.COM Dear Applicant: Plans submitted with the referenced permit have been reviewed. We are unable to approve your permit application for the reason(s)indicated below. For Applications Submitted through the GMD E-Permitting Portal: • Resubmittals must be submitted in the same session and the changes must be clouded. • Corrected documents must be submitted as complete files(with the corrected sheets replacing the rejected sheets). Submittals containing just the corrected sheets will be returned as Insufficient. • A written letter of response summarizing the changes made to address each correction comment must be included in your resubmittal. Failure to include a written letter of response will result in a rejection. • After your resubmittal is processed the documents will be reviewed again; additional deficiencies may be identified through this process. JOB DESCRIPTION: REMOVE EXISTING KITCHEN CABINETS AND HALF NON LOAD BEARING WALL TO OPEN UP KITCHEN. REPLACE BATH TUB WITH STAND ALONE SHOWER IN MASTER BEDROOM BATH. **PRIVATE PROVIDER-UNIVERSAL ENGINEERING SCIENCES, INC- INSPECTIONS ONLY** 2215 Arielle DR 1206, (Unit) , Naples Rejected Review: Structural Review Reviewed By: Andrew Ewing Phone:239-252-2470 Email:Andrew.Ewing@colliercountyfl.gov Correction Comment 1: Per Florida Building Code Seventh Edition [2020] Section 107.3.5 design professional shall provide project data information. It shall include but not be limited to: 1.Classification of work?Refer to FBC Existing Chapter Six Correction Comment 2:As of January 1, 2020,the Product Approval/NOA index sheet is a required form. Please see links below for form and instructions. EXAMPLE& INSTRUCTIONS: https://www.colliercountyfl.gov/Home/ShowDocument?id=87550 BLANK FORM: https://www.colliercountyfl.gov/home/showdocument?id=76659 No index sheet found with submittal. Correction Comment 3: FBC 7th 2020 Chapter 16 Structural Design Per FBC Seventh Edition[2020] Section 1609, please provide the opening design pressures - positive&negative at openings where new doors are being installed. Correction Comment 4: FBC Chapter 1 Scope and Administration As required per Section 107 of the FBC Seventh Edition [2020], please provide wall and soffit/ceiling details to include material type and fasteners showing compliance with wall systems and the building construction type. Correction Comment 5: FBC 7th 2020 Chapter 14 Exterior Walls Please indicate the method of fenestration flashing to be performed and completed for the new doors per FBC Seventh Edition 12020] Section 1405.4. Correction Comment 6: To expedite the review process, please provide a correction comment response letter, itemize your responses to correspond with each comment. In your response letter, indicate the correction made and on what page it can be found or acknowledge compliance with the request. All corrections shall be identified/clouded on the corrected plan sheets. Subsequent review(s) may reveal additional deficiencies. Non-compliance with this request may result in an automatic rejection of your revised/corrected submittal. Rejected Review: Fire Review Reviewed By: Margarita Acevedo VEN Phone:239-252-2309 Email:Margarita.Acevedo@colliercountyfl.gov Correction Comment 1: Please note Sheet A-1 identifies the incorrect Florida Fire Prevention Code (2017, 6th edition), Please note the correct edition is Florida Fire Prevention Code 2020, 7th edition. Please correct. Correction Comment 2: Any alteration/modification to the fire sprinkler system and fire alarm system will require a separate permit prior to working on the system. Please acknowledge on correction. Correction Comment 3: Please identify any tenant wall separations. Should damage occur to fire rated assembly (i.e. floor/ceiling/wall), you must provide onsite for fire inspector the repair method with an approved ?UL? or equal design. FFPC 7th ed. 101:8.3.5.1 Please acknowledge on correction. Correction Comment 4: Please provide square feet for area of work only. Rejected Review: Plumbing and Handicap Review Reviewed By: Tobias Hytonen Phone:239-252-2659 Email:Tobias.Hytonen@coliiercountyfl.gov Correction Comment 1: Provide shower drain detail drawing Include material and method of connection between shower pan and existing pipe. The Shower drain detail is a drawing showing the materials and the Proper installation method together to prevent leaks in the shower system and drain most manufacturers have this on their website. This provides the county a record on file of what was used for the repair or alteration, And the plan reviewer the proper information for approval. Correction Comment 2: Informational only: FBC 107.2.1 Construction documents shall be of sufficient clarity to indicate location, nature and extent of the work proposed and show in detail that it will conform to the provisions of this code and relevant laws,ordinances, rules, and regulations as determined by the building official. NOTE: All corrections are to include a response letter identifying the changes made for each rejection comment and corrections on the plans clouded This review shall be considered incomplete pending receipt of requested and required information. Subsequent review(s) may reveal additional deficiencies. ATTENTION: Collier County Plan Review and Inspections routinely reviews all outstanding permit applications in order to determine their status. The review process includes appropriate responses from the permit applicant when the permit cannot be approved. When the applicant is advised of deficiencies and does not respond within 180 days with corrected plans or an appeal to the Code Enforcement Board,the permit application will become Void as per Collier County Ordinance 2002-01, Section, 104.5.1.1 to 104. .1,4 (as amended). ""1@G="Robert A. Coopet Direct Phone: 239.337 .6100 Dircct Fax: 239.331.61 3 I Email: racooper@hahnlaw.comEST, I92O I MORE IHAN A CENTURY OT CLIENT SERVICE February 6,2023 VIA FEDERAL EXPRESS Collier County Growth Management Division Planning & Regulation Operations Department Attn: Conlractor's License Section 2800 North Horseshoe Drive Naples, FL 34104 Re:Conlraclot's License Board Case No. CEM1520220006051 - 2215 Arielle Drive, Unit 1206 Contraclor: Ralph Novella, Novella Limited, Inc. Hearing Date: Monday, Februory 13, 2023 at 9:30 A.M. To Whom It May Concern: This Law Firm represents Ralph Novella and Novella Limited, Inc. in connection with a complaint filed on June 28,2022 by Horst R. and Sandra A. Konrad, 2215 Arielle Drive, Unit 1206, against Mr. Novella and Novella Limited, Inc., resulting in a referral to the Contractor's License Board, Case No. CEMIS2022000605 I . In connection with the hearing, please accept this letter and the attachments (15 copies) as Mr. Novella's defense package (Novella Composite Exhibit B). Summarv On or about August 21, 2021, Mr. and Mrs. Konrad hired Novella Limited, Inc. to remodel a portion of their kitchen and bathroom. A copy of the contract between Mr. and Mrs. Konrad and Novella Limited.Inc. is altached hereto as Novella Composite Exhibit B-1. Per the contract Mr. and Mrs. Konrad were responsible for hiring separate contractors and paying for certain work - such as flooring, tile and cabinetry. Mr. Novella is not responsible for other contractors hired directly by Mr. and Mrs. Konrad. t 43',7 4442.1 HAHN LOESER & PARKS LLP attorneys at law ""1@G="Collier County Growtl Management February 6, 2023 Page 2 EST. 1920 I MORE THAN A CENTURY OT CLIENI SERVICE At the time of the contract signing, the COVID- I 9 pandemic was in full swing resulting in delays in work, materials, communicalions, and securing of permits for work. Mr. Novella made Mr. and Mrs. Konrad fully aware of the delay in starting the work, including delays in obtaining a permit for the work. However, contrary to the statements made by Mr. and Mrs. Konrad in their complaint, it was Mr. and Mrs. Konrad who wanted the work started and completed withoul further delay and instructed Novella Limited, Inc. and Mr. Novella to start work without obtaining a permit. Despite Mr. Novella having full knowledge that working without a permit was wrong and illegal, Mr. Novella agreed with Mr. and Mrs. Konrad to complete the work without a permit. Mr. Novella regrets giving into the demands of Mr. and Mrs. Konrad. The work was completed and Novella Limited, Inc. was paid. Mr. Novella did not, and has not, received any complaint about the work from Mr. and Mrs. Konrad. Approximately, I 2 months later and without any prior notice to Mr. Novella, Mr. and Mrs. Konrad filed a complaint with Collier County against Novella Limited, Inc. and Mr. Novella for failure to obtain a permit. A copy of the Complaint summary filed by Mr. and Mrs. Konrad is atlached hereto as Novella Composite Exhibit B-2. The statements and allegalions in the Complaint filed by Mr. and Mrs. Konrad are false. Mr. Novella took full responsibility for obtaining the permit and required inspections. On or about August, 2022, Mr. Novella started submitting the information necessary to obtain a buitding permit for the work to Collier County. Ultimately, the application was finalized and accepted on January 10, 2023. A copy of the Permit Application Status surnmary is attached hereto as Novella Com osite Exhibit B-3 . On January 30, 2023, a notice of Outstanding Corrections was issued by Collier County. A copy of the notice of Outstanding Corrections is attached hereto as Novella Composite Exhibit B-4. The corrective items concem corrective drawings to be submitted Mr. and Mrs. Konrad's architect, Berlin Design Group, Inc. The notice was forwarded to Mr. and Mrs. Konrad's attomey, Todd Allen. A copy the letter to Attorney Allen is attached hereto as Novella Composite Exhibit B-5. U pon information and believe, the notice was subsequently forwarded to Berlin Design Group, Inc. by Attomey Todd Allen. On February 6,2023, Mr. Novella confirmed (via telephone call) with Berlin Design Group, Inc. that Berlin Design Group, Inc. was actively working on the corrections to the drawings for the work. Upon receipt of the revised drawings from Berlin Design Group, Inc., Mr. Novella will submit the revised drawings to Collier County - resulting in a building permit. ""1@G=. EST- I92O I OR€ IHAI{ A CENTURY OF CTI€NT SERVICE Collier County Growth Management February 6,2023 Page 3 Mr. Novella acknowledges his error and is sincerely sorry for undertaking the work without a permit. Mr. Novella is taking all action necessary to obtain the permit and the inspections of the work. Mr. Novella respectfully request that the Licensing Board consider the foregoing when adjudicating the matter. Respectfully, Robert A. Cooper, Esq. Enclosure (Exhibits) cc: Client t.' (- ""1@G=" ESr. 1920 | IIORE THAN A CEMURY Or CUEt'lI sEnVlCE Direct Phone: 239337.67 00 Direcl Fax: 239.337.6731 Email : racoopcr@halmlaw.com February 6,2023 Collier County Growth Management Division Planning & Regulation Operations Deparhent Attn: Contractor's License Section 2800 North Horseshoe Drive Naples, FL 34104 Re:Contraclor's License Board Case No. CEM1520220006051 - 2215 Arielle Drive, Unil 1206 Contractor: Ralph Novella, Novella Limited, Inc. Hearing Date: Mondoy, Februory 13, 2023 at 9:30 A,M. To Whom It May Concem This Law Firm represents Ralph Novella and Novella Limited, Inc. in connection with a complaint filed on June 28,2022 by Horst R. and Sandra A. Konrad, 2215 Anelle Drive, Unit 1206, against Mr. Novella and Novella Limited, Inc., resulting in a referral to the Contractor's License Board, Case No. CEMIS2022000605 I . Summary. On or about August 21, 2021, Mr. and Mrs. Konrad hired Novella Limited, lnc. to remodel a po(ion of their kitchen and bathroom. A copy of the contract between Mr. and Mrs. Konrad and Novella Limited, Inc. is attached hereto as Novella Composite Exhibit B-1. Per the contract, Mr. and Mrs. Konrad were responsible for hiring separate contractors and paying for certain work - such as flooring, tile and cabinetry. Mr. Novella is no1 responsible for other contractors hired directly by Mr. and Mrs. Konrad -REXHIBIT n 3 | 437 4442.t HAHN L OESER & PARKS LLP attorneys at law Roben A. Cooper VIA T'EDERAL EXPRESS In connection with the hearing, please accept this letter and the attachments (15 copies) as Mr. Novella's defense package (Novella Composite Exhibit B). ""1@e=.Collier County Crowth Management February 6, 2023 Page 2 EST. I92O J MORE 'HAN A CENIURY OF CLIENT SERVICE At the time of the contract signing, the COVID-19 pandemic was in full swing resulting in delays in work, materials, communications, and securing of permits for work. Mr. Novella made Mr. and Mrs. Konrad fully aware of the delay in starting the work, including delays in obtaining a permit for the work. However, contrary to the statements made by Mr. and Mrs. Konrad in their complaint, it was Mr. and Mrs. Konrad who wanted the work started and completed without further delay and instructed Novella Limited, Inc. and Mr. Novella to start work without obtaining a permit. Despite Mr. Novella having full knowledge that working without a permit was wrong and illegal, Mr. Novella agreed with Mr. and Mrs. Konrad to complete the work without a permit. Mr. Novella regrets giving into the demands of Mr. and Mrs. Konrad. The work was completed and Novella Limited, Inc. was paid. Mr. Novella did not, and has not, received any complaint about the work from Mr. and Mrs. Konrad. Approximately, 12 months later and without any prior nolice 1o Mr. Novella, Mr. and Mrs. Konrad filed a complaint with Collier County against Novella Limited, Inc. and Mr. Novella for failure to obtain a permit. A copy ol the Complaint summary filed by Mr. and Mrs. Konrad is attached hereto as Novella Comnosite Exhibit B-2. The statements and allegations in the Complaint filed by Mr. and Mrs. Konrad are false. Mr. Novella took full responsibility for obtaining the permit and required inspections. On or about August, 2022, Mr. Novella started submitting the information necessary to obtain a building permit for the work to Collier County. Ultimately, the application was finalized and accepted on January 10,2023. A copy of the Permit Application Status summary is attached hereto as Novella Comnosite Exhibit B-3. On January 30,2023, a notice of Outstanding Corrections was issued by Collier County. A copy of the notice of Outstanding Conections is atlached hereto as Novella Compqgile Exhibit B-4. The corrective items concem corrective drawings to be submitted Mr. and Mrs. Konrad's architecl, Berlin Design Group, Inc. The notice was forwarded to Mr. and Mrs. Konrad's attomey, Todd Allen. A copy the letter to Attomey Allen is attached hereto as Novella Composite Exhibit B-5. U pon information and believe, the notice was subsequently forwarded to Berlin Design Group, Inc. by Attomey Todd Allen. On February 6,2023, Mr. Novella confirmed (via telephone call) with Berlin Design Group, Inc. that Berlin Design Group, Inc. was actively working on the corrections to the drawings for the work. Upon receipt of the revised drawings from Berlin Design Group, Inc., Mr. Novella will submit the revised drawings to Collier County - resulting in a building permit. ""1@G=" EST. I92O I MORE THAN A CENIURY Of CLIENT SERVICE ,/ t./ n 'L. /r-"'i i { Collier County Oromh Management February 6,2023 Page 3 Mr. Novella acknowledges his error and is sincerely sorry for undertaking the work without a permit. Mr. Novella is taking all action necessary to obtain the permit and the inspections of the work. Mr. Novella respectfully request that the Licensing Board consider the foregoing when adjudicating the matter. Respectfully, Robert A. Cooper, Esq. Enclosure (Exhibits) cc: Client /, ,,' L: ovELtA Lttvtttto lxc. - aa./d''t/.d , C.,'aal,cld, tbi Cot',[l,/t,,brl M.l, r,q',,hrp,g''/,/.aa, PROPOSAL O8'19/2I NN Proposol Submilled to: Horsl R. Konrod 22015 Arielle Drive unil 1206 Noples, FL 34109 Sondro's cell 618-670-3588 Ron'scell 217-652-6756 Job Nome: Residence Remodel zeusqueen52@gmoil.com l. Summorv ot Work: lnlerior remodel of Ki'tchen ond Moster Bothroom, oll in occordonce io the stomped orchiteclurol drowings provided by Berlin Design Group lnc. Novello Limiled lnc. will be referenced os NLI in explonotions below. ll. Clorllicotion/Assumplions/Quolificolions: Home owner is responsible for oll fees ossocioled with design chonges i.e., new drowings and building dept. fees. lncluded is NLI will be the octing conlroclor ond secure required building deportment permits. NLI will supply oll lobor ond moteriols to poinl oll new wolls ond wood trim. Ceiling fon is to be supplied by owner ond instolled by NLI's eleclricion. Flooring ond cobinetry to be supply ond instolled by outside source ond pre-poid by owner under o seporote controct belween soid compony ond owner. lll. Additionol notolions: . Plumbing ollowonce is $2.500.00, Electricol ollowonce is $3,000.00. These tow ollowonces will be formolized ond wrillen os o chonge order once the demolition work is complete. r No ollowonce for (2) sels potio impoct doors, owoiling cost for supply ond inslollolion. . Not included: unknow condilions to exisling struclure thol moy need repoir or replocement before moking slructure tie-ins. This will be oddressed in o seporote chonge order if discovered. . Electricol & plumbing fixlures were nol specified ond will be odded os o chonge order. PRICE AND TERMS Of PAYMENI: To provide oll lobor ond moteriols to finish work stoled obove is: Thirty Two Thousond Dollors, i32,000.@. A deposit of I /3 510.560.00 is required ot conlroct signing. A second drow of l/3, S10,560.00 is due ol the complelion of firsl rough of plumbing ond eleclric. The finiol drow is due upon finiol building permit sign off ond completion owner punch oul. All chonge orders ore on oddition to lhis conlrocl ond due upon signing. Novello Limiied lnc 8770 King Leor Courl. Fort Myers, Ft 33908 Phone ,239) 99 4-49 12 novellolimited@hotmoil.com EXHlBIT t t L Client Acceplonce of Proposol: The obove prices, specificotions, conditions ond terms ore solisfoctory ond hereby occepted. You ore outhorized'to do the work os specified. B TERMS AND CONDITIONS Contracl Documents. This Proposal and this Proposal alone shall constitute the conlracl exisling between the parties. Construction Defect Claim Nolice. Any claims for construction defects are subjecl to the notice and cur€ provisions of Chapter 558, Florida States. (Fla.Stat. $ 558.005(6X2009). l-egal Terms. The terms and provisions ofthis Proposal and any dispute arising in connection herewith shall be govemed by and construed in accordance \aith Florida law. The parties agree that all disputes arising under this Proposal shall be resolved by the courts and not by arbitration. The panies further agree that the venue for any legal action brought in connection with this Proposal shall be in Lee County, Florida. In connection with any litigation arising out ofor related to this Proposal, the prevailing party shall be entitled to recover all costs incurred, including reasonable attomeys'fees. Personal Guarantee. The individual(s) whose signature appears on the acceptance ofthis Proposal personally guarcntees the performance of all obligations to be performed by the Owner, including but not limired to, payment for the work to be furnished by Target. Past Due Balances. All sums owed to Novella Limited Inc. which are not paid within thirty (30) days from the date due to be shall accrue interest at the highest rate permined by Florida law. No Damages for Delay. Under no circumstances shall the Owner be entitled to recover from Novella Limited Inc. any monetary damages or loss it might suslain as a result of any delay, intentional, negligent, or otherwise, caused Or,wer by any act or omission ofNovella Limited Inc. or its material suppliers or subcontractors. \\brkmanship. All work is to be completed in a vorkmanlike nranner according to standard industry practices Express Warranty. Novella Limited Inc expressly warrants its work to have been performed in accqrdance with the specifications sel forth on the face oflhis Proposal for a period ofone (l) year from the date fie work is completed. lf Novella Limited Inc's work is found not to be in aacordance wi$ the requirements ofthe specifications set forth on the front ofthis Proposal, Novella Limiled Inc shall correct the work promptly upon receipt of w tten notice from Owner THE FOREGOING EXPRESS WARRANTY IS IN LIEU OF ALL EXPRESS AND IMPLIED WARRANTIES ARISING BY OPERATION OF LAVr', INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICTJLAR PURPOSE OR IMPLIED WARRANry OF MERCHANTABIIry OR HABITABILIry AND AIL SUCH IMPLIED WARRANTIES SHALL BE DEEMED WAIVED AND RELEASED, Damage Limitation and \\'aiver. In the event of any breach of contract or defective work claim against Novella limited Inc. Novella limited Inc's total liability to Owner shall be deemed limited to the coDtracl price rcflected on the front of this Proposal. All claims for damages of any kind in excess ofthe contract price reflected on the front ofthis Proposal ar€ expressly waived and released by Owner. All claims by Owner for consequential damages arising fiom any breach of contract or defective work claim against Novella Limited lnc are expressly waived and released by Owner. Back Charges. The Owner shall not be entitled to make any unilateral, deductive charges against the proposal price owed Novella limited Inc. All deductive charges or set-offs against the proposal price shall only be made with the vrritten agreement of Novella limited Inc. Insurance R€quirements- Novella limited Inc shall provide Workman's Compensation Insurance covering the employees of Novella limited Inc and General Liability Insurance with limits ofOne Hundred Thousand and No/100 Dollars ($ 100,000.00) per person and Three Hundred Thousand and No/100 Dollars ($300,000.00) per accident. Owner shall maintain properry insurance and such other insurances as it d€ems necessary. The risk ofany loss associated with work in place shallbe bome by the Owner and the Owner shall take such action as it deems approp ate to protect itself from those exposures. Additional Work. Any work not appearing or described on the specifications set forth on the face ofthis Proposal or alterations or deviations from said specifications shall be deemed additional work and shall only be performed upon the execution of an appropriate written change order between Owner and Novella limited Inc. General. No modification, waiver, amendment, discharge or change ofthis Proposal shallbe valid unlessthe same is in writing and executed by the party againsl whom enforcement is sought. This Proposal and Acceptance shall be binding upon and inure to the benefit of the parties hereto, their respective heirs, legal representatives, successors, and assigns. If any provision or any portion of any provision of this Proposal and Acceptance shall be held invalid or unenforceable, the remaining portion of such provision, and the remaining provision of this Proposal shall not be affected thereby. Owner acknowledges thal it has read this Proposal and thal il fully understands the totality of its responsibilities hereunder. 2t6i23,11:15 AM Complaint Status - Cityview Portal Complaint Status cEMIS2022000605 1 oate: 6128/2022 Expand All / Collapse All Note: You can collapse and expand individual sections by clicking the header of the section you wish to collapse/expand. Complaint Information Case Number: Status: Complaint Type: Description: Locality of Complaint: Sandra Konrad 618-670-3588. P*273600?2Ur Property Owner's Full Name: KONRAD, HORST R & SANDRA S cEMr52022000605 I Refer to CLB Misconduct contractor provided a notarized Notice of commencement ,During the process of the remodel I asked him several times where the Permit was and had the inspector come to the condo. He assured my husbanf and I that he had taken care of all the paper work with Collier County but never produced the permit to us. I have cancelled checks totalling 136,377.O0 He subcontracted out the Electrical and the Plumbing for our kitchen and bathroom. I have his proof of insurance, contract and all papers he provided. I also gave him a certified copy of our architechtural drawings. Thank you for any help you can give us. The remodel was the kitchen and bathroom of our condo at 2215 Arielle Dr., Unit 1206, Naples, Fl 34109. Our phone numbers are Horst Konrad 217-652-6756 and Locations Locations: Property 22360022641 Address 221 5 Arielle DR 1 206._(U!to-_!gp.'|cg 2236002264t Inspections There are no inspections for this complaint. B-f-EXHIBIT 216123 11:12 AM Permit Application Status - Cilyvaew Portal Permit Application Status PRMFH20230101154 In order to view tees or sch€dule inspe.tions, you need to be signed i.. Expand All/ collapse All Note Yo! .an <ollapse and expaod indrvidual sections by clrcking the header of the se.tion you wish to <oll6pse/expand- - summary Applic.tion N'rmber Appllcatlon lvp€ Applic.tion 5t.tus Prop€rty Owner',s Full Name category of work Occupancy Code Oes.riptlon of Work PRMFH20230101154 KONMD, HORST R & SANORA S Resldentlal, Multi-Family REFIOVE EX]STING KITCHEN CABINETS AND HAtf NON LOAD BEARIIIG WALL TO OPEN UP KITC}IEN. REPI.ACE BATTI TUB WITH SIAND ALONE SHOWER IN MASTER BEOROO}! BATH , ..PRIVATE PROVIDER - UNIVERSAL ENGINEERIiIG SCIENC€S, INC. INSPECTIONS ONLY" Application Date E)(pi6tion Date 1-2 F.mlly or Colnm 2215 Arielle DR 1206, (Unlt), Napl€s 0uto/2023 0712912023 Business Name at Location (Portal) Eusiness Name: Locations Locanons: Property 2236002264t 2215 Arielle OR 12 06 i_lqlO_1l3ple! Contacts Qualifier RALPH NOVELLA, AddTESS:8770 (ING LEAR COURT KONRAD. HORST R & SANDRA S, Address:2215 ARI€LLE DR *1206 NOVELLA, RALPH, Addressr8770 KING LEAR CI, Phone:(239) 482-6684, llcense. , Q28049 Liccns€ Status NOVELI-A UMITED INC., Address:8770 KING LEAR CoURI Phone:(239) 994-4912, state R€9 *'s cBc1253221, Licensee * LCC2O130000955 Ucens€ Status UNIVERSAL ENGINEERING SCIENCES, INC. , address:201 waLoo avE NORTH, Phone:(813) 740-8506, ticens.r * LCPRIV2ol500Ol327 l&rlss.slatlr Permits - (cll.k to ScG R.vi.ws) Deposits & Bonds Permit Number: PRMFH2023O1O1r.540l There are no deposits or bonds for this permit application Ihspections 523 - Remodel Com Electrlcal R.ough InsPector Date !r|lz- > EXHIBIT Pendin9 scheduled 5lE - Smoke/Heat Detectors Inspector: Pending 610 - Penetratlon Protectlon Inspector: Pending 512 - Fare Barrier Walls/Framlng- Rough lnspector: Pending 613 - Final Fire Barrier Walls I nspector Pending 630 - Door/Windows/Opening Protection Inspector Pending 641 - Final Fire Inspector: Pending 215 - Remodel Com Plumbing Rough I nspector: Pending 524 - Remodel Com Electrical Final Inspector: Pending 216 - Remodel Com Plumbing Final Inspector; Pending 216123,11 12 AM Conditions Permit Application Status - CityView Portal Documents & Images Portal Home Dat€ Uploaded File Type Documcnt Jaama o7/ t0/2073 Private Provider I nformatio n Private Provider Package_.llKonrad p3pg4gfLplD o7/to/2023 Private Provider I nformatio n Private Provider PackagS_(NOTORIZEO FORMS.plD or/30/2023 Construction Plans Architectural Plans (DS Konrad Alterations ShtS 1-3 - Preoared (Received).pjI) or/30/2023 Applications A p-pljse!.g n_E9IE_( e pjl&g!.g d9I!!_L4_: pa re d ( Rece i ve d ).p_g!!) 0t/ rr/2023 Letter Incomolete Ao-p_!icaug!_NqH!e_jGenerate Incomp_!g!e-apJ)J!sela!_-lJ-s!se). o1/ 17/2023 Letter Payment Slip (PR - App) o1/18/2023 Receipt Receiot for transaction : 2023-004418 o7/30/2023 Letter Corrections Letter EPR - Outstandino Corrections COLLIER COU NTY GOVERNMENT GROWTH MANAGEi{EI{T DEPARTT'IENT / BUILDING REVIEW & INSPECTION DIVISION 28oo N. Horseshoe Drive, Naples FL 34104 * phone (239) 252-2428 Outstandi ng Corrections Date: January 30, 2023 Contact Name: RALPH NOVELLA Address: 8770 KING LEAR COURT City, State Zip: FORT MYERS, FL 33908 PERMIT NO: PRMFH20230101 15401 APPLICATION NO: PRMFH20230101 154 JOB SITE AODRESS: 22'15 Arielle OR 1206, Naples Email:NOVELLALIMITEO@HOTMAIL.COM (Unit) , Plans submitted with lhe referenced permit have been reviewed. We are unable to approve your permil application for the reason(s) indicated below. JOB DESCRIPTION: REMOVE EXISTING KITCHEN CABINETS AND HALF NON LOAD BEARING WALL TO OPEN UP KITCHEN. REPLACE BATH TUB WITH STAND ALONE SHOWER IN MASTER BEDROOM BATH...PRIVATE PROVIOER. UNIVERSAL ENGINEERING SCIENCES, INC - INSPECTIONS ONLY* 2215 Atielle DR 1206, (Unit) , Naples Rejected Review: Structural Review Reviewed By: Andrew Ewing Phone:.239-252-247 0 Email:Andrew.Ewing@colliercounq/fl .gov Conection Comment 1: Per Florida Building Code Seventh Edition [20201 Section 107.3.5 design professional shall provide project data information. lt shall include but not be limited to: 1 . Classification of work? Refer to FBC Existing Chapter Six Correction Comment 2: As of January 1, 2020, the Product Approval/NoA index sheet is a required form. Please see links below for form and instructions. EXAMPLE & INSTRUCTIONS: https://www.colliercountyfl.gov/Home/ShowDocument?id=87550 BLANK FORM: https://www.colliercounM.gov/home/showdocument?id=76659 No index sheet found with submittal Correction Comment 3: FBC 7th 2020 Chapter'16 Structural Oesign Correction Comment 4: FBC Chapter 1 Scope and Adminislration As required per Section 107 of the FBC Seventh Edilion [20201, please provide wall and soffit /ceiling details to include material type and fasleners showing compliance with wall systems and the building construction type. !B-+EXHIBIT Dear Applicant: Fot Applications Submitaed through ,he GMD E-Permitting Podal:. Resubmittals must be submitted in the same session and the changes must be clouded.. Conected documenls must be submitted as complete files (with the correcled sheets replac,ng the rejected sheets). Submittals containing ,ust the corrected sheets will be returned as lnsufficient.. A written leller of response summarizing the changes made to address each correction comment must be included in your resubmittal. Failure to include a written ietler of response will result in a rejection.o After your resubmittal is processed the documenls will be reviewed again; additional deficiencies may be identified through this process. Per FBC Seventh Edition [2020] Section 1609, please provide the opening design pressures - posilive & negative at openings where new doors are being installed. Correclion Comment 5; FBC 7th 2020 Chapter 14 Exterior Walls Please indicale the method of fenestration flashing to be performed and completed for the new doors per FBC Seventh Edition [2020] Section 1405.4. Correction Commenl 6: To expedite lhe review process, please provide a correclion comment response letter, ilemize your responses to correspond with each commenl. ln your response letter, indicate the correclion made and on whal page it can be found or acknowledge compliance with the requesl. All corrections shall be identified/clouded on the corrected plan sheets. Subsequent review(s) may reveal additional deficiencies. Non-compliance with this request may result in an aulomatic rejection of your revised/corrected submittal. Rejected Review: Fire Review Reviewed By: Margarita Acevedo VEN Phone:239-252-2309 Email:Margarita.Acevedo@colliercounMl.gov Correction Comment 1: Please note Sheet A-1 identifies the incorrecl Florida Fire Prevention Code (2017 ,6th edition) Please note lhe correct edition is Florida Fire Prevention Code 2020, 7th edition. Please correct. Correction Comment 2: Any alteration/modification lo the fire sprinkler system and fire alarm system will require a separate permit prior to working on the system. Please acknowledge on correction. Correction Comment 3: Please identify any tenant wall separations. Should damage occur to fire raled assembly (i.e. floor/ceiling/wall), you must provide onsile for fire inspector the repair method with an approved ?UL? or equal design. FFPC 7th ed. 101:8.3.5.1 Please acknowledge on correction. Correction Comment 4: Please provide square feel for area of work only. Rejected Review: Plumbing and Handicap Review Reviewed By: Tobias Hytonen Phone:239-252-2659 Email:Tobias.Hytonen@colliercountyfl .gov Correction Comment 1: Provide shower drain detail drawing lnclude matedal and method of connection between shower pan and existing pipe. The Shower drain detail is a drawing showing the malerials and the Proper installation method together to prevent leaks in the shower system and drain most manufaclurers have this on lheir website. This provides the county a record on file of whal was used for the repair or alteration, And the plan reviewer the proper information for approval. Correction Comment 2: lnformational only: FBC 107.2.1 Conslruction documenls shall be of sufficient clarity to indicate location, nature and extent of the work proposed and show in detail that it will conform lo the provisions of this code and relevant laws, ordinances, rules, and regulations as determined by the building official. NOTE: All corrections are to include a response letter identifying the changes made for each rejection comment and corrections on the plans clouded This review shall be considered incomplete pending receipt of requested and required information. Subsequent review(s) may reveal additional defi ciencies. ATTENTION: Collier County Plan Review and lnspections routinely reviews all outstanding permit applications in order to determine their status. The review process includes appropriale responses from the permit applicant when the permit cannot be approved. When the applicant is advised of deficiencies and does not respond within '180 days with corrected plans or an appeal to the Code Enforcemenl Board, the permit application will become Void as pe( Coltier County Ordinance 2002-01, Section, 104.5.1.1 to 104.5.1.4 (as amended). ""1@G=^ Roben A. Coopcr, Esq Phone 239.337.6700 Fax: 239.331 .6701 E-mail: racoopcr@hahnlaw.com €sT 1920 MOiE iHAN A CEiIIIUFY Ot CrlaXT SEeVtCa January 3l , 2023 VIA REGULAR U.S. MAIL A}ID EMAIL todd@lindsayallenlaw.com Todd B. Allen, Esq. Lindsay Allen l3l 80 Livingston Road Suite 206 Naples, FL 34109 Re: My Client: Novella Limited, Inc-/Ralph Novella Your Clients: Mr. and Mrs. Konrad, 221 5 Arielle Drive, Unit 1206, Naples, FL 34'109 Dear Mr. Allen: This Law Firm represents Novella Limited, lnc. and its principal Ralph Novella ("Novella") in connection with the dispute with your clients, Mr. and Mrs. Konrad, conceming permitting issues at 2215 Arielle Drive, Unit 1206, Naples, FL 34109. ln connection with obtaining and closing a permit for the work performed by Novella Limited, Inc. for Mr. and Mrs. Konrad at their home, Collier County, Floridq has issued a Correction Notice setting for several corrections and edits that Mr. and Mrs. Konrad's architect, Berlin Design Group, Inc., must make to its architectural drawings for resubmittal to Collier County, Florida. The architect, Berlin Design Group, lnc. was hired and paid by your clients. The Correction Notice is enclosed herewith. Please have Berlin Design Group, Inc. make the necessary corrections/edits to its architectural drawings and provide the updated architectural draviings and the written letter summarizing the responses to the Correction Notice all as set forth in and required by the Correction Notice. As soon as Berlin Design Group, Inc. submits the corrective documents, Novella will be in a position to secure the permit, call for inspection and close out the permit. To the extent that Collier County, Florida, requires correction to work performed by contractors hired directly by Mr. and Mrs. Konrad, other than Novella, Mr. and Mrs. Konrad are solely responsible for coordinating said corrective work with its contractors, including paymenl thereof. HAHN at la le-sEXHIBIT LOESER & PARKS LLP corumbus 'reples fort m),€ attorneys s sen dieeo Mr. Allcn, Esq. January 31,2023 ?rge 2 Ifyou have question, please feel free to contact me Respectfully, ,) (r Robert A. Cooper Enclosurc - Collicr County Corrcctive Notice cc: Novella t 4361962 1 COLLIER COUNTY GOVERNMENT GROWTH II4ANAGEIIENT DEPARTMENT / BUILDING REVIEW & INSPECTION DIVTSION 28OO N. Horseshoe Drive, Naples FL 3a1O4 * Phone (239) 257-242A Outsta nding Corrections Date: January 30, 2023 Contacl Name: RALPH NOVELLA Address: 8770 KING LEAR COURT City, State Zlp: FORT MYERS, FL 33908 PERMIT NO: PRMFH20230l01 15401 APPLICATION NO: PRMFH20230101 154 JOB SITE ADDRESS: 2215 Ariele DR 1206, Naples Email:NOVELLALIMITEO@HOTMAIL.COM (Unit) , For Apptications Submitted through the GMD E-Perml ing Portat:. Resubmitlals must be submitted in the same session and the changes must bs clouded.. Conected documenls must be submitted as complete files (with the conecled sheets repracing the rejecied sheets). Submittals containing just the correct€d sheets will be retumed as lnsufficient.. A written letter of response summarizing the changes made to address each correction cornment must be included in your rgsubmittal. Failure to include a written letter of response will rosult in a rsjection. After your resubmittal is processed the documenls will b€ r€viewed again; additional deficiencies may be id€ntifed thmugh lhis process. JOB DESCRIPTION; REMOVE EXISTING KITCHEN CABINETS AND HALF NON LOAD BEARING WALL TO OPEN UP KITCHEN, REPLACE BATH TUB WITH STAND ALONE SHOWER IN MASTER BEDROOM BATH.,.PRIVATE PROVIDER . UNIVERSAL ENGINEERING SCIENCES, INC . INSPECTIONS ONLY* Rejected Rsview: Structural Review Revlewed By: Andrew Ewing Phone:239-252-2470 Email:Andrew.Ewing@colllercount!/|l.gov Correction Comm€nt 1: Per Florida Building Code S€venth Edition [2020] Section 107.3.5 design profsssional shall provide project data information. lt shall include but not be limited to: 1. Classificatlon of wok? Refer to FBC Exisling Chapter Six Correction Comment 2: As of Jenuary 1, 2020, th€ Product ApprovaUNOA ind6x she6t is a required form. Ploass see links below for form and inslructions. EXAMPLE & INSTRUCTIONS: https:/i^,ww.colliercountyrl.gov/Home/ShowOocument?id=E7550 BLANK FORM: https://www.colliercountyll.gov/home/showdocument?id=76659 No index sheet tound with submitlal Correction Comment 3: FBC 7th 2020 Chapter 16 Structural Design P6r FBC Sevonth Edition [2020] SBction 1609, pl€ase provido th€ opsning design pressures - posilive & negative at openings where new doors are being installed. Correction Comment 4: FBC Chapter 1 Scops and Administration As required per Section 107 of the FBC Seventh Edition [20201, please provide wall and sofiil /ceiling details to include material type and fasteners showing compliance with wall systems and the building construction type. Dear Applicant: Plans submitled with the referenced permit have been reviewed. We are unaue to approve your permit applicalion for the reason(s) indicalBd below. 2215 Niette DR 1206, (Unit) , Naples Correction Cornment 5: FBC 7th 2020 Chapter 14 Exterior Walls Please indicale ihe method of fenestration flashing to be performed and completed for the new doors per FBC Seventh Edition [2020] Section'1405.4. Correction Commenl6: To expedile the review process, please provide a correclion comment response letter, itemize your responses to correspond with each comment. ln your response lelter, indicate lhe correclion made and on whal page it can be found or acknowledge compliance with the request. All corrections shall be identified/clouded on the correcled plan sheets. Subsequent review(s) may rev€al additional deficiencies. Non-compliance with lhis request may result in an automatic rejection of your revised/correcled submittal. Correction Comment 1: Please note Sheet A-1 identifies lhe incorrect Florida Fire Prevention Code (2017,6th edition). Please note the correct edition is Florida Fire Prevention Code 2020, 7th edition. Please correct. Correction Comment 2: Any alteration/rnodification to the fire sprinkler system and fire alarm system will require a separate permit prior to working on the syslem. Please acknowledge on correction. Correction Commenl 3: Please identify any lenant wall separations. Should damage occur to fire rated assembly (i.e. floor/ceiling/wall), you must provide onsite for fire inspector the repair method with an approved ?UL? or equal design. FFPC 7th ed. '101:8.3.5.1 Please acknowledge on correclion. Correction Comment 4: Please provide square feet for area of work only. Rejected Review: Plumbing and Handicap Review RevieYted By: Tobias Hytonen Phone;239-252.2659 Email:Tobias.Hytonen@colliercountyfl.gov correction comment 1 : Provide shower drain detail drawing lnclude material and method of connection between shower panand exisling pipe. The Shower drain detail is a drawing showing the materials and the proper installation method togethe; toprevent leaks in the shower system and drain most manufacturers have this on lheir website. This provides the cou-nty arecord on file of what was used for the repair or alleration, And the plan reviewer the proper information for approval. Correction Comment 2; lnformational only: FBC 107.2.1 Construction documents shall be of sutficienl clarity to indicatelocation, nalure and extent of the work proposed and show in detail that it will conform to the provisions ot this code andrelevant laws, ordinances, rules, and regulations as determined by the building official. NoTE: R corrections are to inctude a lesponse letter identifying the changes made for each rejection comment and-corrections on the plans cloudedThis review shall be considered incomplele pending receipt of requested and required intormaton. suoiequent revrew(s) mayreveal additional deliciencies. ATTENTION: collier county Plan Review and lnspections roulinely reviews all outslanding permil applications in order to determine lheirstatus The review process includes.approprrate responses from the jermit.iiplicant *'rre" tne p"rr-ii;nnot o" ,pprou"o.when the applicanl is advised of deflcrencies and does not responJ iittrin t 80 days with correcled plans or an appeal to thecode Enforcemenl Board, ihe permrl,applcation wtri oecome r/oio as per colier tounty orainiiclito-oz-ot, section,104.5.1.1 to 104.5.1.4 (as amended). Rejected Review: Fire Review Reviewed By: Margarita Acevedo VEN Phone:239-252-2309 Email:Margarita.Acevedo@colliercounMl.gov f\W tk.r1 qrt SPRING OAKS CAPITAT L ta, 1400 Crossways Blvd, STE 100 B Chesapeake, VA 23320 Toll Free Number: 866-281-3065 Office Hours: M-Thurs. Bam-9pm EST, F Bam-6pm EST Yoslandi Martinez 3610 14TH AVE NE NAPLES, FL 34120-5551 ACCOUNT INFORMATION Original Creditor: First Electronic Bank Original Account No.: 7634005005243892 Current Creditor: Spring Oaks Capital SPV LLC Reference No.: 111058617 - , Balance: $2,145.99 - P*t d Date: April 7,2022 Dear Yoslandi Martinez, Our office is in receipt of your dispute and/or request for validation of the debt. Please be advised that we have reviewed your account and have confirmed the name and amount owed on the account. Based on our investigation of your dispute, we have determined that you are the correct consumer listed for this account. Enclosed you will find documents associated with your account provided in response to your dispute and/or request for validation. Should you have any questions regarding this account, please feel free to contact us. Thank you, Spring Oaks Capital, LLC We are a debt collector, but this is not an attempt to collect a debt. SEE FOLLOWING PAGES FOR IMPORTANT INFORMATION For Connecticut Residents This collection agency is licensed in Connecticut, License number CCA-1916692. NMLS #1916692 For Colorado Residents: The address and telephone number of our local office is as follows: Colorado Manager, Inc., 8690 Wolff Coun, Suite 110, Westminster, CO 80031 (Phone 303-920-4763) For Massachusetts Residents: NOTICE OF IMPORTANT RIGHTS You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector. For Minnesota Residents: This collection agency is licensed by the Minnesota Depanment of Commerce. For North Carolina Residents: Spring Oaks Capital, LLC's North Carolina company number is as follows: 119507661 For New York Residents: If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt: 1. Supplemental security income, (SSI); 2. Social security; 3. Public assistance (welfare); 4. Spousal support, maintenance (alimony) or child support; 5. Unemployment benefits; 6. Disability benefits; 7. Workers' compensation benefits; 8. Public or private pensions; 9. Veterans'benefits; 10. Federal student loans, federal student grants, and federal work study funds; and 11. Ninety percent of your wages or sa-lary earned in the last sixty days. For New York City Residents: You may also reach us by calling John Cavanagh at 866-539-7554. New York City Department of Consumer Affairs License Number(s): 209711O-DCA For Tennessee Residents: Spring *€apitd;t;I;C is licensed by the Collection Service Board of the Department of Commerce and Insurance. ?tfr.rD05DD5eq383e 00r15500? 0EeIqs153 GENESIS FS CARD SERVICES PO BOX 4477 BEAVERTON OR 970764477 1ilil,ltlr,ll,rililJr,,tlrrlll1rrlrrllIllrrlrlillriltll,trliltrl GENESIS FS CARD SERVICES -varedsvmmevP.0. BOX 84049 !orderpayabr€ro c0LUMBUS GA 51908-4049 rr11rll11rrl1rrr1"r11il'liltrtrltl,thll,llil,,,,l,,llrr,,,rI AccountNumber 3892 New Balance $2,145.99 Minimum Payment Due $1,195.00 Paymenl Due Date 06/05/20 AMOUNT ENCLOSED Pleasewdtoyouramuntnumbord yerd*Umnsyod6r and do not s6d €sh. Address/Phone Numbar Chanoe EI Please ch6ck here and @mdete Address/Phon€ Number Change Fom on reverse sid6. ouEsnoNs? Call l -866502-il39 w.myg6nesisq6dit.mm YOSLANDI 14 36 10 I4THNAPLES FL ARTINEZAVE NE54I20-5551 "0m0000 Make your payment online at www.mygenesiscredit.com - - - - - - - - - -P-te;s-e?-a-c6 Gtl -po?i6n-a-na- ieiirm-wn-trloui palm=e-n-to-inEu-re-p?o-pe-r?eoirh?Etn lower .ACCOUNT STATE'*ENT -3892 April 07, 2020 - May 06, 2020 @ curyHJ?. llail payment to: Genesis FS Card Serui@s P.O. BOX 84049 COLUMBUS GA 31908.4049 Genssis FS Card Serui@s P.O. Box 4499 Beaverton. OR 9707il499 AS A REMINDER, IF YOU HAVE A PROMOTIONAL BALANCE THAT WILL EXPIRE IN TIIE CURRENT BILLING PERIOD, YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY TIIE PROMOTION END DATE OR PAYMENT DUE DATE, WHICHEVER IS LATER, TO AVOID PAYING DEFERRED TNTEREST C}IARGES. YOURACCOTINT IS PAST DUE $I.O2O.OO. THE PAST DUE AMOIJNT IS INCLI]DED IN THE MINIMUM PAYMENT. PLEASE REMIT IMMEDIATELY. $ Credit Limit Available Credit Past Due Amount Overlimit Amount Statement Closing Date # of Days in Billing Cycle $3,000.00 $0.00 $1,020.00 $0.00 May 06, 2020 30 Late Payment Waming: lf we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $38. Minimum Paymenl Waming: If you make only lhe minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Total New Balance Minimum Payment Due Payment Due Date $2,145.99 $1,195.00 June 05,2020 l, you make no additional charges using this account and each month You wlll pay of, the balan@ shown on this statement in about... And you wlll end up paylng an esdmated total of... 20 ell 'l-86&502-6439 Previous Balance Payments Other Credits Purchases/Payment Reve6als Adjustments Fees Charged lnterest Charoed $2,059.52 $0.00 $0.00 $0.00 $0.00 $38.00 s48-47 &@@!g_ Date Date Description ol Trarsaction or Credit Tran Post Amount 05/06 05/06 LATE PAYMENT CHARGE TOTAL FEES FOR THIS PERIOD $38.00 338-00 INTEREST CHARGE - 8OOOOOOl INTEREST CHARGE PURCHASE TOTAL INTEREST FOR THIS PERIOD AmountReference Number ADB 1,570.41 $4s.03 $3.44 t48.17 Tran Date 05/06 05/06 Post Date Doscriptlon of Transactlon or Crodit 05/06 05/06 $1S0.00 $237.32 Total f6os charged in 2020 Total interest charged in 2020 PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 1 of 3 lnterest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Promotional Plan Notic€ You must pay each promotional balance in full by th6 promotion end date to avoid paying defered interest charges. Ploase see lhe Deferred lnterest Promotions section on lhe back of this statem€nt for further d€tails. Promotlon Defered lnterestEnd Oate N/A N/A N/A N/A N/A N/A $0.000.00% (v) = Variable Rate $0.00 Inter6t gErse- $3.44 $45.03 E@ $123.55 $1,61s-44 $407-00 Tw of Balance Regular EXPIRED PROMOTION Transaction Date: 09/04/1 I Misc\Fees Balanc6 Sub.iect to lntere3t Rate $120.1 1 $1,570.4'1 Annual P6r@ntago Rab{APR} 34.90yo 34.90% ACCOUNT STATEMENT 7634-0050-0524-3892 Ntit 07 ,2O2O - May 06,2020 PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 2 ot 3 € cEryFgr,?" ADDRESS / PHONE I'IUMBER CHANGE FORM lf you provide 6 with a @llular phone numbgr, you are expressly coresnting lhat (0 wo and our agents may @ntact you at that numbor and (iD we may ue adomated tel€phore dialing systemsto inatiate sch @ntrcts and/or leave r{orded m€sges. I 9 ?EMAIL ADDRESS Detach hse V md refurn above portion wilh your remfttan@. Aner detac.hing, Ftan lowd pqtion for you future ,eferen@. What T0 D0 ll You Think You Find A Mislale 0n Your Stalemcnt lf you thinkthere is an eror on your slatemnt, plese write to us at Genesis FS Card Services, P0. Box 4499, Beaverton, 0B 97076-4499. ln your letter, please provide the following idormatim: . Accourt inforrnation: Your name and Account numbe[. Dolhramount: Th€ dollaramountofths susprctd eror. Description of problem: lf you lhink there is an errcr on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contacl us within 60 days after the error appearcd on your statement. You must notily us ofany potential erors an writinq. You my call us, but if you do we arc not required to investigate arry potential enors and you may have to pay fte amount in question. Whih we investigate wlrcther or not there has hen an errol the following are true: . We mnnot try to collmt the ffiounl in queslbn. or report you as delimuent on that amount,. The charge in question may remain on your statement, and we may continue to charge you interest on that arnount. But, if we determine that we made a mistake, you will mt have to pay the amount in question or any inlerest orother fees related to that armunt.. Whileyoudonothavetopaytheamuntin question, you are espomible for the rernainder of your balance.. We can apply any unpai, amount against your credit limit. Your Righls If You ArB Dis6atisried With You Account Purchases lf you are dissatisfed with the goods or services that you have purchased using your Account, and you have tried in gmd faith to corr*tthe problem with the merchant, you may have ttp right mtto pay he remainirE amunt due on tlP purchase. To use this right, all of the follorving musl be trrc: '1. The purchase must have been made in your home state or within 100 miles ol your current mailing address, and the purchase price must have been more than S50. (Note: Neitherofthese are necessary if your purchase was based on ar advertisemenl we maihdto you, or if we own the company that sold you lhe goods or services.) 2. You m6t have used yourAccountlorthe purchase. 3. You must mtyet tuve tully paid forthe purchase. lf all ol tlE crileria above are met and you are still dissatisfied with the purchase, contact us in writirE at Genesis FS Cild Servies, P0. Box 4499, Beaverton, 0R 97076-4499. Whil€ we investigate, the same rules appy to the disputed amount as discussed above. After we finish our investigation, w will tell you our decision. At that point, if we lhinkyou owe an amoud and you do not pay, we may report you as delinqmnt. PAYMENTS Payments should be mailed wih tlE payrnent mupon and in the envelope proviled to the Genesis tS Card Services payment address indi€ted on he paFn€n[ coupon. Any payrnent received in that torm ard at tid address on or before 5:00 Pl\il. Eastern Time on a normal banking day will be credited to your Account that day. lf your payment is recived in that form and atthat address after 5:00 PM. Estern Time on a nomal bankinq day, or anytime on a non-banking day, we will credit it to your Account the next bankjng day. hyments can also be made online by visiting the website address indimted on ttr paymenl coupon ild the konl of this billing statement. When you provide a check as paymnt, you authorize B either to use the intomation from you chsk to make a ore-time electmnic fund transfer from your accountorto prmess the payment as a checktransaction. When we Ne information from your chmk to make an electronic lund tansfer. lunds may be rvithdrawn from your account as smn as the same day we receive your payment and you will nol receive your clrcck backfrom your 'linancial institution. Pements received at other than he remittilce address on lhe lace of this staiement may be sublect lo a delay in crediting of up lo 5 days after the date of receipt. CREOIT BUREAU REPORTING WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT IO CREDIT BUREAUS. I.ATE PAYMEtiITS, MISSEO PAY]UIENT$, OR OTHEB qEFAULIS t)N YOUR ACC()UNT MAY 8E RETTECTED IN YOUR CREDIT REPORT. DEFERREO ITITEREST PROMOTIOTIS Each deferred interest balance accrues intetest ftom the date of purchase, bul we will not charoe ttut interest to your account if you pay srch balance in tull betore the end of the deferred interest perbd and you make monthly minimum payments as required. The defered interest period will end when one or more o[ he folbwing events rccur: promotion end date as rellected on he front of your staterent; your account becomes mre tian 180 days past due; your account is chaqed off forany reamn. lntsrest on a deterred interost bahnco will aerre during the defetred inlerest period at the APR rellected on the front of your statement, and we will charge srch interest to your ecount if you do mt pay the defered interest balarce in lull before the end of the def€rred interest period. You must make monthly minimum payments during the deferred interest period. hvino onlv the monthlv minimum oavment mav not pil off the delerred interest balance within ttE defurred interest oeriod. You mav have to make additional or increased payments during the deferred interest oeriod to avoid havino to pav all accrued deferred interest. ATLOCATING YOUR PAYMENI Y()UR PAYMENTS WlL BE ALTOCATED AS REOUIRED BY IAVU. AI{Y PAYMENT ATIOUT{I ABOVE THE MINIMUM PAYMENT DUE WtL BE APPLIED AS FO[L0WS: (1) lF YOU HAVE A 0EFERRED INTEREST PROMOTION BATANCE IN THE LAST TWO CYCTES PRIOR TO EXPIRATION, EXCESS PAYUENTS WTI BE APPTIED TO THAT BATANCE F|BST, AND (2) tl{ ALL oTHER S|TUAT|oNS, WE ULt APPLY EXCESS PAYMENTS T(, YOUR HIGHER INTEREST BALANCES. HOW INTEREST CHARGES ARE DETERMII{EO The INTEREST CHARGE Ior any Billing Cycle will include the Billed INTEREST CHARGE amounts computed by multiplyiru the applbable Daily Periodic Rate or Rats shown on the front ofyourstatement to your Average Daily Bahnce ofPurchases and multiplying the result by the numberofdays in the Billing Cycle. However, no interest will be assessed on Purchases that are within a deferred interest promotion period during a Billing Cycle. calculating the Balance subiact to INTEREST cHAR0Es Your lntersst Ratc: We use a daily perildic nte to ebulate the irterest on your acmunt. The daily periodic rate is ttE applicable APR multiplied by 1/365. The applicable APR is retlected on the frort of your statement. When WE Charge lilerest: We charge interest on your purchases iom ltte date you make the purchase until you pay the purchase in full. How lllo Calculate lntEro6t. We calculate interest separately for ach bahnce segment on your account. We do this by applying the daity perbdic rate to your ave,age daily balance (including new purchases), and hen multiplying the resulting number by the number ol days in the billing cych lor each bahnce segment. An average daiv balane is cabulated for lie following balance segmnts as applicable: purchase balance segments, balances subject to deferred interest promotions, and the regular balarce. We Glculale interest for each balance segment as follows: 1. For o&h day, m talc the bogtuing bahffi ot sah bahmo segmml in lhe billing cycle, including any unpaid inlerest charges, add arry new purchass and debits, and then subtract ttp applicable portibn of any payments and credits. This gives us he daily bahne. Monhly Service fues (il applicble), Late Payment Fees, Relurned Payment Fms, ard Dmumentation Fees are not included in the daily balarce. 2. Then, we add all ttre daily bahnces for be billing cych together and divide the total by the number of days in the billiru cycle. This Oives us the averaoe daily balance. 3. Ne)d, we multiply the daily periodic late by the aveEge daily balarce 4. Finally, we take the resultuE number ftom #3 and multiply it by the number of days in the billing cycle. This gives us the interst charoe for emh balanm seqmefit for the billing cycle. lllhan INTEREST CHABGES Bogin to Aocrue ExeDt lor Purchass that are within a deferred interest promotion perii durim the Billim Cvcle. oerbdic INIEREST CHARGES on Purchases will ne im-oo*d attli Diitu ttriodic tlale trom he date each Pwchase is made and liill continue to #ctue on unpaid balances as long as they remain unoaid There is no orace oeriod on Putchases and, except ts Purchass frjt are within a deteired inierest ilomohon pe*)d. tlEre is no perbd wi0lin which to avoid payirq INTERESI CHARGES on Purchase Balarces. OTHER DISCLOSURES The FiBt Elaclronic Bank Ptivacy Policy has not chargad andis arailabl8 al htto:/lww.lirstelectronic.ooin/orivaw-notice. You car also Gall tho phone numbtr indicated on tha lront ol this slatemcnt t0 1equo8l a copY ol the priyacl policY hr mailsd to you. Thi6 communication is lrom a debt coll0cl0L This is an attompt lo colleGt r d6bt and rny inlolmation oblainod sill bo usod lor thal purposo. R8808,8808 0s19 fryna< W.-, 1r+ 32705907 5s rro, Your Fhrxtca Hatedtsdced dlaggsr 0r6n to Nido.other*ka Bottorq: t{aflr{ild FrEperty. ThErrdd,propedjr r6EIa to Pro(,thn tt pr$tbe t4 WEfiT ATTD h Plupery ftat you ers pq,Utaslno lift 0E plEdaods.ol lourlof,n. Msfillbn 7n0raw7 Oats 7t10fe0t7 Ode pfly il, UnlesB 8nd 6fllt Uah, &uBtsfs Iternirofi{n i9,E1Zm ycu lUE Eonnrar litCrl 708$ Taru ClrAr* tOa Napbs, FLS410!t Yoslandl Martlnee NEWruSED NEu,NO. RATE CTUFGES doilar&ilount fio cGdit yr,lll 006lyou 6ost 0f yOUr credrt A,S d Y90rryrde 18.SS j$$ s,$og.go Amount FInaficed Tolel oI Payrnents The amount olcreditpfirvlded to you o, on yDUr bohatf,$ s,s-/a.oo Ths wlll hswgtbrtlladoall AE echedukd. $14,991 .80 B6:Your Fqyrnsnt Sstrorld, WU otl do ArftJal Fcrrpntue TRAITEN $$Llfnoille-1A006 HO'EPRIOEftI sslftHB r, ffcLUnHc 60 da)rsrrsm s edo.0s 32705907 55 OTHEB IHFORTAilT FROVTSIOT{S Frrmem You agre6 lo p(Gnlrdy pay us all you owe urder ErG l,lole even lf $e Prupedy lB damagfil, de$lroyed, n*sstrgr or unlnsured. Tlme l9 0f the €s8oncg in thls Nole- Acceptance by us ol partlal paymente ehall not modtty the lsrm* of lhls Note end shall not conditute s walver a{ any 6ubs6qusnl fallure by you lo'thirely pay the full amourit oI your payrfiefib d$ provlded h ftls Noto. lletrmpd Check Clurga. ItVe rnaysgretd a drargg not e,(ceedlng $00 for oacfi cnec* you send to us that {s d'rrhonored o( ftllumd lo us Unpsjd hr any rca6orL FmprymonL You maiy pr€pay fils Noto ln {ull or In part d aily tirrrs rdfto{n psnalty. Se.ildty lntefBsl To m<rure all qf your obBgdhns under lhle Nots, you giBlrt us a $€ffJdty lnterc$ and tien in the Pruperry and all accessodee, f,ocssslon$, oquFmenl and rrptacsmErt psrts installed on the Ptoperty, lhe lnsurartce procaeds resultlng from lose or dEmage to 0ro Prop€fiy, lhs procgod! sf any sale ot tho Froperty and ihe proceedc d any of fis lor$golng. To ttto ottent Pormltled hy appllcf,ble lalr,, lou auflo&s us ss yrfflr altomtiy-lrr'fact to slgn your nflmo on any dpc+menl$ necsE$ary io proporly pgrlBct afid rdcotd ouf se{uriry rrcr€st NoTtoE: BY GlvlNG us A SEOUBITYINTERBST INT}IE PBOPETTTY, YOU WAIVTAIT BIShIT$ PROVIDED BY LAWTOCLAIM 6UCH FBOPERTY D(EMPT FFOM FHOCES$, TO T}IE HffENT PEHMITTEO BY tAW, Qnnotrlrip qnd nisk o, Loc*. You qreethat you ',vlll protect ouf ecilrlty itrt$1rsl ln fi6 Pr0peily hy (u) tfiaihtAinins tlt6 P.oporty ,n goad condl&m: (f) paying all l6r(cB, feetr finea, ard any tnher drnges asaem+d agalntf fto Propenyi (c) lmmadisl€ty notilying U3 if any govemmenlal Eulfrodty inpounds of contl6cdEsthe Pncpen$ (d) not rdsusing rlle Property; (e) not pemittlng ho Propew ttt bs ussd hr hl.re, illegalty or con'lrary to $B t€rmB 0f 6lry lneurmao pollde* coverlng the Proporty; (0 nqt tflldng fie Pr0porty out ol your 6tBl6 ol r'6Bld0r$e or r€glslofiro the Pmporty ln 0n01hff stat$ rffto,rt our prlor wdhoil oonssnt; (g) nd odling, banufening, or asdgnlng yorr rfulrl, litlE, or lnknesil h {h6 properly wtthout o$r pdor wdftefl uon3offi; and (h) flot all{,.t, any lion, oncumbrBbc$, pr ollrsr soflrrlty lntnloet to hn ptacod agalnst tho Propeily witho[t our prtor wrltten consenl tooafon ot Proporty, You wlll Inmedishly nolily us ln wdEng c* any charrye ln your addr*s or the rddreBs where {ro lrrope?ty k l6fln hdy locderl- fiequirod Fhyslc{l DafitoSB lnauranca You agrcs t0 ksep the Prop*rty ln*ured at your own oxpenEe Egalnst all los6 or darnses wrlfi a dsdus-tble not grsdrer hdn $$00. Thig insurgtcd ltu$t bo lor not less lfian lhe arfual carh value oI the Propery. Your in*urance pollcy muol namo us ar loss payet and muet re$Ire 10 days gdvsnco wrlttsn nouco to us b6lor6 arty cdr*clladon ol tta polloy. lI you adfer a hkl lurs of fie Pepqrty and tre ln$ranca proceede aro hss than the hhl quhlHnding hc.lance duo on tlrls Nute (lncludlng pfirtdpnl, tindnn# dhargo,s, and any ourff drar6€$), you will be llablq lo u$ tor tip d[ErqFrs. Ypu m4r obtain t}l+ h*rrrenrB tom afiy contparry you c]ioo*E, fxc*pt lhat u,o rssrve the doht to refuse any in$urance that you 0ll$r lor r€asonsble (f,{s6. You aulfrodza ud as your 6t0mdy-ln-I€!t to dndorEs yoor name oI alry ohccfi wg recslvE for lnsurance procaods, to Dtu axlanl potmlted by law. Oshutl. You will Ds in dsfa,rlt under thls Nom tt (a) you fafl to m6ke €ny pqirmem wtEn duei (b) lou faX lo p€rfom any qf your qhllgalons undq lhlE Note; (c) any lnlormauon that you fumi6$Bd to uB ln corlrlBoliorl ilith thb loan pmyss to hEre been tslx or materlolly nrlsleadhg; (d) you sel s Uan$ter $e Propeny; (e) any proceetllng ls oommencod by or agalnd you under any bankuptqr orlnsolvsnoy lsvr; (0 the Fmperv ts le1,lod upon or seized ilnrler wy logal procsssi 0r (g) he Prope(y ls losl stdon, orsuffBxs subdfftljal damage. Bighb and Homdlee Uporr DcfaulL tf ydu defauh underthls Nole, $re c6n requlre you to imilediaely pay all ftat ysu owe u$ on lhls Nols. Ws dlo wlll Inve all dghh ard remedlss of a xemned prty uffJdr lh6 Urrflornr Ctmrnerclrl Code and olher aspllct}r16 laws 61 0s protiided in thls Nots, su$h ss, bul not llmited to rcqufulry1 you lo, dellverhg lhe Properly to uB or our repo€sessing fie Fropeny, Indudlng by peacefully and lawfulu emedng upon lhs prDperty wlere he Property is kept" We do nol h&w to r6por6dsd fis Fmpony or 6xer<n{a any ol our oth6r 60hB bsforo oollectlrts trom you, At our qt'ion and withorn obligaliofi ,o do.0o, $16 csn lu\rs afly lqxlro nndo to tro Propsrly fiat wo doem deslrable. lt therc ls arry ,rxlsoflal ffopeity ln tft6 Prop,orty sl ths time vre lake p@as,eion ol it, we wi0 etore ft lor you fsr a r€a6onqblp Umo afler whicfi w€ msy dl$posa of it ln a cprnmsrqlally rFasofirblo manrnr and appty lhe procGede lo tlre annunts you OYlrg Us. Co$ts al SollcoUon, Yos agres to puy all coo* ard sxpsosca that lrrs inarr in crrllec{ing any amounh due under this NotE or enfordngthfs Ndt6, hclfidlng reason6bl6 €llomqF'feca and court costB, to ths exterd permitled by applicable law 8sb o{ RepooEo$ssd prqpsrty. Wo $,llt $€nd you n writton noti:e oI eale at laast lsn (1 0) dnyo belore selllng tht: repo{xn$se{, Propow. ll you dq nqt rodoam ths Proporly Uy lho dntc In lhp nospo, wE sen sell tfie Fmperty. The eale procccd$, l6ss dnlourrF l'so paylo takg bqf,klhs Prppsrly, hoH tl Rnd sell rt, qnd lea* our attomoyd tu+s and Isgel coEt$ to fie e)@,{ perm(led by l{w, wlll bg |.L?od t, pey lha arDourds yoo owe on thle Nola. Any monoy lett wlll be pald to you unless flp larir requirce os lo pay lt lo sorileryrE eBa. 1l Ifie rale proteedg drs not enou$h bc psy everylhlrrg that y$rr Orye Ue cn 0rlu tlo& plus coda Ot repoesesslon and Sale, yorr t{il! p'ay rehat ls still owed (the dencbncy) to us, lo lho oxlenl uflowed by law, itl,qu qr'.s rr$ a dsnclllnqy, y4$ vrfll b# duryxl flnance c*rarges at tha Annual Feruentage Eale dbctosed in 0fsl'lole unlil yoq pay us sU thai you qwe. MCA,[,r-rr- .,-rrl, ***KrY Frgo} ot 3 8001 woodland Center Blvd Suite #200 Tampa, FL 33614 Voice: 1-800-670-9944 Fax: 1-813-849-0914 TTY:1 888-401-9024 June 8,2022 Yoslandi Martinez 3610 14th Ave NE Naples, FL 34120 Original Creditor: DSNB - Department Stores National Bank Regarding: Macy's Credit Card Our Account Numbeft 86L6224 Client Reference f : XXXX-XxXx-xxXX-1110 Balance:5737 .72 Current Balance: S0.00 This is to advise that Credit Control, LLC., as authorized agent for DSNB - Department Stores National Bank regarding your Macy's Credit Card has received your balance in the amount of 5737.72 on the above noted account. The account now shows a zero balance in our office. lf your payment is returned for any reason this offer is null and void. lf you have any questions regarding this matter, please do not hesitate to contact this office at 1.-A00-670-9944 or P.O. Box 31179, Tampa FL 33631 or you can visit us on the web at www.credit-co tro I This is an attempt to collect a debt by a debt collector. Any lnformation obtained will be used for that purpose you may opt out/unsubscribe to receive future email communication by replying to this email with the word unsubscribe. Regards, Hays Roden Collections Supervisor 030039 GI ;e6ond,'e,y,e,1,n",,1r," _:rr -i -F-r: r::J Statement D ate 08-12-22 Sheflleld Fi n an cl a l.com MONTHLY STATEMENT SUMMARY Current Principal Balance Previous Principal Balance Daily lnterest As of Stmt. Date Gontract Payment Amount Payoff Payoff good through PAYMENT STATUS $2,417.06 $2,917.06 $0.662 $213.81 $3,288.41 08-30-22 Current Amount Due Past Due Amount Fees/Charges Total Amount Due RECENT TRANSACTIONS $21.43 $0.00 $120.00 $141.43 Code Date Description Amount Balance Previous Principal Balance $2,917.06 0600 O7-A-22 Paymont $500.00 - Thank You Applled to Princlpal ($500.00) $2,417.06 Current Principal Balance $2,417.06 oz lu,7Do3 Fn/t,/47,34 4/56 /7?t;gL CHAI{GE OF ADDRESS AND P}IONE You can updaE your address at ShefieldFinancial,com or conpleb this brm belortr, SteetAddrEss: P.O. Box: City, SbE, Zip: Honr Phone (Land Line): Cell Phone: Customer Name YOSLANDI MARTINEZ Account Number 209428251 Payment Due 08-30-22 TotalAmount Due $141.43 Arrcunt Enclosed 0123/.4 3 111 fJ'lv., li FEHIla e l4 O ,o Nor MAIL cAsH T37 P5 150861-13-3-1 -12344 YOSI.ANDI MARTINEZ CAROLINA MENDEZ ANTELO INVESTMENTS INC DBA GARDEN S 3610 14TH AVE NE NAPLES, FL 34120-5551 ffilksF hr,tlllrlllillll;;rl,,lr,,,l,,l,llr,rlll,lllrh,,ll,rlrlrrIlllt SHEFFIELD FINANCIAL PO BOX 580229 CHARLOTTE NC 28258-0229 Illlff l,tlttll,,,lt;ll,l1il1,1lt1llil,tl,il,tlil!t,lltlllllllt,l Customer Name YOSLANDI MARTINEZ Account Number 2E261 Payment Due 08-30-22 Total Amount Due $141.43 'NSTALLMENT LOAN STATEMENT Manage your account 24 hours aday,7 days a week @m*::lilr;r*,*,.,*. Payment Address Sheffeld Financial PO Box 58O229 Charlotb, NC 2825&0229 fT\ Chsks payable to:\!/ Shellield Financral Q oo r.ror ruru cesu See back for additional contact information a Sheffleld Eprees 24 1-800-735-1 903 CONVEN'ENT WAYS TO PAY h the coming months, Sheffield Financial wll no longer accept Visa, Mastercard or Di$over Credit Cards tor payments on your aEount. lf you Ent to make your payrent eleclronrcally, Shelfield will @ntinue to a6ept ore-tim or rocurring ACH paymnts via your ch*king or svings ac6unt, and one-time payrent via Vis and Mastercard debit erds. Pleas€ make the necessry changes t your payment rethod in prcparation for this change lnterest Paid ln 2021: $158.68 Protect your persnal information and arcess to your Sheffield acount - do not prdide anyone with your peEmal identifying information or a6es to your Sheffield loan account. Vvhen you provide a check as payment, you authorizo us b us informatjon trom your check to rmke a one.time electronic tund transter from your acmunt. ln certain circumstances, such as br technical or proc€ssing reasns, re may process your payment as a chsk transaction. \lvhen re us informtion to makc an electronic tund transfer, funds may be witMraM from your a@ount as soon as the sme day re recaive your paym6nt, and you will not receive your check back from your financial institution ,MPORTANT ACCOUNT MESSAGES $ 012344 3 !L Gode 22 Reg Pmt Code 01 ea e01'{ P I a 5 L, 0 00 00 I q } q 3D l,Pe98 7 \ 0suo NOTICE:We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Bankruptcy Notice: lf either you, your spouse or anyone who is liable for this debt has filed for bankruptcy, this monthly statement is for your inf ormation only and is not an attempt to collect a debt, 133 DEFEBMENT CHARGE 5OO FIELD DEBIT 508 FIELD DEBIT CORRECTION 510 FIELO CREDIT 518 FIELD CBEDIT CORBECTION 550 PAY LATE CHARGE 558 PAY LATE CHABGE COBBECTION 560 ASSESS LATE CHARGE EXPLANATION OF THANSACTION CODES 568 ASSESS LATE CHABGE COBRECTION 570 WAIVE LATE CHABGE 578 WAIVE LATE CHARGE CORRECTION 580 PAYOFF 588 PAYOFF COBBECTION 600 PAYMENT 608 PAYMENT COBRECTION 660 ASSESS MISC FEE 668 ASSESS MISC FEE CORRECTION 670 WAIVE MISC FEE 678 WAIVE MISC FEE CORRECTION 680 OPEN LOAN 688 OPEN LOAN CORRECTION 850 PAY LOAN FEE 858 PAY LOAN FEE CORRECTION CONTACT SHEFFIELD FINANCIAL. SHEFFIELD EXpRESS 24: 1-80o73$1903 . CLIENT SEHVICES DEPT: 1-888-438-8837 1. AUTOMATIC PAYMENT / RECURBING 5. PERSONAL CHECKS / CERTIFIED PAYMENT: Free Service. Sign up ONLINE CASHIER CHECKS: Please detach coupon or print the Automatic Payment Form from and mail payments to: PO Box 580229, os+w€bsite-and-meiiorfax toouroffice- - -, lharlotte, NC 28258-02rq 2. PAY ONLINE: Log into your account at https://securecs.shetf ieldf inancial.com 3. PAY BY PHONE: 1-800-735-1903 through Shetfield Express 24 4. DEBIT / ELECTRONIC CHECK: Payments made by Debit Card are subject to maximum payment limits. Please call lor details. Your Card issuer may elect to run the transaction as a Cash Advance. 6. MONEY GRAM: Beceive Code: 6383 Avail- able at WaFMart locations. For a location in your area call 1-800-926-9400 7. WESTEHN-UNION; Code City: SHEFFIELD, NC. For a location in your area call 1-800-325€000 8. CREDIT DISPUTES: PO Box 25127 Winston-Salem, NC 27114 9. OVERNIGHT DELIVERIES / WRI TEN CORRESPONDENCE ADDRESS 101 N Cherry St. Winston-Salem. NC 27101 DO NOT USE THIS ADDRESS FOR PAYh/ENTS 10. TITLE RELATED QUESTIONS: Email questions to titles @ shetfieldfi nancial.com Il.ELECTRONIC BILL PAY: For accurate payment posting, use your 9-digit account number (no dashes, spaces, or leading ze- ros). Remit to PO Box 580229,Charlotte, NC 28258-A229. A NOTE ON TITLES: Tltlesare held for 30 days after payolf if final payment is madd witha personalcheck or debit cad" lf you have not yet paid ofi your loan and would like your title release expedibd, payofi will neod to be made with ce(ified f unds, via Western Union Quick Collect, lVloneygram, ceftified check, or money oder, Certified checi<s and monaT odens need to be mailed in to your normal payment cenbr with a note shting that you would lile your title released immediate!. Once your title is released, mail typicalty takes between 7 and 10 business days to recei\o. You can also email your title questions to us at titles@sheffleldfinancial.com and a titles representative will respond to you as soon as possible. For NY Ftesidents Only: Visually impaired customers may contact our office at 888-438-8870 Option 3 and ask to speak to a'Qualified Reader'l The representative will assist you in communicating the content of the written communication you have received, lf you call outside oi standard businass hours, please leave a message providing your request for a Oualified Reader. Please leave your name, account number and the best time lor us to reach you. A representative will return your call the next business day. Filing # 145366199 E-Filed 031091202212:07: l6 PM IN THE COUNTY COURT OF TI{E TWENTIETH JUDICIAL CIRCUIT IN AND FOR COLLIER COT.JNTY, FLORIDA CNIL DIVISION GROW FINANCI.AL FEDERAL CREDIT UNION Plaintiff, CASE NO. I 1-202CCC-001202-0001-XX CAROLINA MENDEZ, YOSLANDT MARTINEZ, K C MARBLE & TILE INC Defendant, ORDER DISSOLVING GARNISHMENT THIS CAUSE having come on to be heard on Merch 9r2O22, on tfie Defendant's Claim of E>re,mption, md the Court having heard testimony and argument and cmsidered same, it is hereby ORDERED and ADJUDGED: That the Court finds that the Defendant has esablished exemption to this Writ of Gamishmen! and as such, the Writ of Garnishment is hereby DISSOLVED. Accordingly, the Garnishee is hereby directed to release to the Defendant immediately any fimds that were previously being wi6held rmder the \ilrit. IX)NE AIID ORDERED in Chambers atfie CollierCorm8 Courthouse. vs osr{rnod Jafti@ T an 12:06:57 stdornMx Electronic Service: Jeffrey J Mouch <collectionsservice@kesshw.com> Caroline Mende cmendezegue@meil.com