Pearson v. National Budgeting Systems, Inc. Respondents' Brief and Appendix
Public Court Documents
April 19, 1968

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Brief Collection, LDF Court Filings. Pearson v. National Budgeting Systems, Inc. Respondents' Brief and Appendix, 1968. 9e3764f5-c09a-ee11-be36-6045bdeb8873. LDF Archives, Thurgood Marshall Institute. https://ldfrecollection.org/archives/archives-search/archives-item/4a2fb257-101d-48e3-89f9-b7910ab99bba/pearson-v-national-budgeting-systems-inc-respondents-brief-and-appendix. Accessed July 05, 2025.
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To be argued by P h ilip G. S chrag, Esq. New York County Clerk’s Index No. 2721— Year 1968 iuuu fork # u|iituuv (tart A ppellate D ivision— F irst D epartment W illie P earson and G eraldine P earson, Plaintiff s-Respondents, — against— N ational B udgeting S ystems, I n c ., a corp ora tion , D efendant-A ppellant. RESPONDENTS’ BRIEF AND APPENDIX J ack Greenberg P h il ip G. S chrag Attorneys for Plaintiff s-Respondents 10 Columbus Circle Suite 2030 New York, New York 10019 JU 6-8397 TABLE OF CONTENTS BRIEF PAGE The Nature of the Case 1 The facts 2 Argument I. The Conduct Charged is Tortious 3 A. Under case law as well as U.C.C. §2-302, gross overpricing of consumer goods is unconscionable conduct 3 B. Under the circumstances charged in the complaint, unconscionable overpricing is tortious 7 II. A Finance Company Which as a Regular Business Practice Purchases Unconscionable Contracts, With Knowledge or Notice of the Wrong Being Perpetrated, Should Be Liable Along With the Seller of the Merchandise 13 Conclusion 16 RESPONDENTS' APPENDIX Consent Judgment in Peoples v. Peoples' Food, Inc., Index No. 41938/66 (S. Ct., N. Y. Co.) RA-1 Consent and Stipulation in above case RA-9 Consent Judgment in People v. Natpac et. al., Index No. 40719/68 (S. Ct., N. Y. Co.) RA-13 SUPREME COURT OF THE STATE OF NEW YORK APPELLATE DIVISION - FIRST JUDICIAL DEPARTMENT — — — — — — — — — — — — — — — — — — — — — x WILLIE PEARSON and GERALDINE PEARSON : Plaintiffs-Respondents, : - against - : NATIONAL BUDGETING SYSTEMS, INC., : a corporation, Defendant-Appellant. — — — — — — — — — — — — — — — — — — — — — x RESPONDENTS 1 BRIEF THE NATURE OF THE CASE Defendant-appellant's motion for a protective order, denied below, was really in the nature of a motion to dismiss plaintiff-respondent's second cause of action. Appellant contended unsuccessfully that the tort charged by plaintiffs' complaint is unknown to the law, and that therefore the documents which might prove commission of the tort were irrelevant to the case and could not be inspected. Plaintiffs- 1 respondents believe that the documents sought to be inspected are relevant because they are necessary to proof of a widespread pattern of conduct which is an essential element of the tort charged. The facts: Appellant's statement of facts and description of the amended complaint does not list all six com ponents of the conduct charged. These are (a) that appellant, a sales finance company, as part of its general business, finances many contracts made between retail dealers and the buying public, for the purchase of freezers at inflated and unconscion able prices, and respondents' contract is merely typical of this practice (Complaint % 18; A-7); (b) that appellant has notice and/or knowledge that the purchasers of the freezers- so financed are for the most part poor persons residing in poor neighborhoods, and has notice that sales of said merchandise to said persons at unconscionable prices is a rampant abuse (Complaint f 18; A-7); (c) that appellant purchased the unconscion able contracts pursuant to a course of dealing with the merchants who made the sales, and according to a pre-existing agreement (Complaint 13-14, A-5); (d) that it appears on the faces of said con tracts that they are either unconscion able or executed in violation of Personal Property Law §402, which requires a 2 detailed description of the goods to appear on contracts, so that potential assignees are on notice if the under lying sale was unconscionable (Complaint f 15, A-7); (e) that the guilty merchant, Peoples' Food, has gone out of business, so that respondent has no recourse except against appellant, which was so bound up with the execution of these unconscionable con tracts as to be jointly liable (Complaint n 6, 13, 14, 15, 18, 19, A-4 — A-8) ; (f) that despite Peoples' Food having gone out of business, appellant continued, at least untir this action was commenced, to purchase unconscionable contracts for the sale of freezers from other retail dealers (Complaint f 18, A-7 — A-8). THE CONDUCT CHARGED IS TORTIOUS A. Under case law as well as U.C.C. § 2-302, gross overpricing of consumer goods is unconscionable conduct. It is now a familiar fact that "the poor pay more" for consumer goods. In fact, the title of Prof. Caplovitz1 book THE POOR PAY MORE has become a popular slogan, reflecting widespread public recognition that those who can least afford it are most victimized by high pricing. Of course, these are the consumers who cannot shop comparatively, because they lack transportation 3 "downtown" and because they are afraid to deal with strangers. Note, Consumer Legislation and the Poor, 76 Yale L.J. 745, 751 (1967). "Low income neighborhood stores usually price durables 50 per cent to 100 per cent above the going rate in more affluent areas, employing markups of 300 or 400 per cent and giving commissions running as high as 100 per cent of the value of the goods." Ibid. at 757. Outrageous overpricing is particularly pre valent in sales made through installment sales contracts. The Federal Trade Commission recently found in the District of Columbia that "on the average, goods pur chased for $100 at wholesale sold for $255 in the low income market stores, compared with $159 in general market stores." Federal Trade Comm., Economic Report on Installment Credit and Retail Sales Practices, p. x (1968) . Respondents' contract called for them to pay $914.03 for a freezer, plus $249.08 in service charges, for a total of $1163.11 (A-4) . Respondents allege that this price was so high in relation to the freezer's value as to render the contract void for unconscionability 4 (A-5). At the time that respondents were sold the merchandise, freezers were commonly being sold to unsophisticated poor persons at 167% to 300% over their retail market value. N.Y. Bureau of Consumer Frauds and Protection, Annual Report 7 (1965). These figures do not even take into account the credit service charges added onto the inflated cash prices. Exorbitant pricing of consumer goods is not only a problem for the poor and for minority groups, but is of national concern, for the President's Commission on Civil Disorders found that rioters focused on stores believed to be charging much more than a fair price. Report of the Commission on Civil Disorders 274 (1968). In recent years, the law has been evolving orderly devices to help protect poor consumers from exorbitant overpricing. An early development was the development of the equity doctrine of unconscionability. See, e.g., Campbell Soup Co. v. Wentz, 172 F.2d 80 (3rd Cir. 1948), and other cases cited in the Official Comments to Section 2-302 of the Uniform Commercial Code. Courts could void contracts grossly unfair to one side, particularly where one party was a commercial entity and the other an individual consumer. 5 This doctrine led to the enactment of Section 2-302 of the Uniform Commercial Code. In New York and other states, the Code section has been interpreted to permit courts to void contracts where the buyer was charged an exorbitant price for the goods. Frostifresh Corp. v. Reynoso, 274 N.Y.S. 2d 757 (Dist. Ct. Nassau Co. 1966), modified on appeal 54 Misc. 2d 119 (App. Term, 2d Dept. 1967); Central Budget Corp. v. Sanchez, 53 Misc. 2d 620, 279 N.Y.S. 2d 391 (Civ. Ct. 1967); American Home Improvement, Inc., v. Maclver, 105 N.H. 435, 201 A. 2d 886 (1964). The doctrine of unconscionability, derived from case law, is by no means wholly statutory; in fact, the most famous unconscionability case, Judge Skelly Wright's decision in Williams v. Walker-Thomas Furniture Co., 350 F.2d 445 (D.C. Cir. 1965), arose before the Code went into effect in the District of Columbia. Appellant maintains that the New York uncon scionability cases, Frostifresh, supra, and Central Budget, supra, involved not only grossly exorbitant pricing, but oppressive selling methods. However, the Court in Frostifresh (sale of freezer to low-income 6 consumer for $1146) noted that "no defense of fraud was set forth...the court finds that the sale of the appliance at the price and terms indicated in this contract is shocking to the conscience.... it was 'too hard a bargain1". 274 N.Y.S. 2d at 759. And in Central Budget (sale of seven year old car in poor condition for $1182), no charge was made of oppressive sales tactics, and the Court held simply that "[e]xcessively high prices may constitute unconscionable contractual provisions..." 279 N.Y.S. at 392; see American Home Improvement Inc. v. Maclver, supra. B. Under the circumstances charged in the complaint, unconscionable overpricing is tortious. We do not dispute appellant's argument that the Uniform Commercial Code does not provide for damages in the case of an unconscionable sale. Respondents do not look to the Code for the damages they demand. Rather, they rely upon the common law doctrine that "the infliction of intentional harm, resulting in damage, without legal excuses or justification" is tortious. Penn-Ohio Steel Corp. v. Allis-Chalmers Mfg. Co., 7 App. Div. 2d 441, 443, 184 N.Y.S. 2d 58 (1st Dept. 1959). 7 Respondents refer to the traditional doctrines of unconscionabil-ity for guidelines as to wrongful con duct; they refer to tort law for their remedy. Respondents have not sought to attach a label to the tort of persistently and regularly financing unconscionable contracts. "[I]t is impossible to tabulate the infinite varieties of misconduct that give rise to actionable wrongs. It is generally accepted that 'There is no necessity that a tort must have a name. New and nameless torts are being recognized constantly.' (Prosser, Torts [2d ed.], p. 3)" Penn- Ohio Steel, supra., 7 App. Div. 2d at 441. Fraud, like unconscionability, is usually merely a defense to a contract. But under some condi tions, it is also a tort, rendering the guilty party liable for punitive damages. Walker v. Sheldon, 10 N.Y. 2d 401 (1961) . Fraud is a tort and not merely a contract defense in New York when it is a general practice of the per petrator, aimed at the public generally. Ibid. Respondents submit that it is under precisely those conditions that unconscionability is also a tort: where it is a regular and knowing practice. 8 The reason for this is clear. Consumer con tracts rarely involve more than a few hundred dollars each, and often involve less than a hundred dollars. The small amount at stake in each case inevitably means that few, if any, consumers can afford to bring a law suit for recision of a contract infected with fraud or unconscionability. The cost of litigation will almost always exceed the amount of money at stake. Private attorneys cannot afford bo take such cases; they are not economical. Nor can the legal aid societies, staffed by salaried attorneys, afford to expend hundreds of man-hours * bringing such cases for low-income consumers; they are all understaffed in relation to the need of the poor for legal services, to the point where the Chairman of the American Bar Association's committee on legal aid has estimated that there are potentially 14 million indigent cases annually, although only half a million clients are served each year by such offices at present. The New York Times, August 7, 1967, p. 11, col 1 (late city ed.). *Legal Aid attorneys had to spend 210 man hours to void two contracts in Williams v. Walker—Thomas Furniture Co., supra. Dostert, "Appellate Restatement of Unconscionability," 54 A.B.A.J. 1183 (December, 1968). And in this very case, attorneys for plaintiffs-respondents had to expend seventy- two man-hours merely to defeat appellants' motion to dis miss the complaint on the ground of improper service of process. See decision of Mr. Justice Markowitz, N.Y.L.J., Sept. 12, 1968, p. 2, col. 1. 9 Therefore, were it not for a tort remedy, a merchant or finance company participating in a wide spread practice of fraudulent or unconscionable con sumer sales could go right ahead with his scheme, knowing that he would have to refund a buyer's money on perhaps one-fourth of one per cent of the voidable contracts he owned, while collecting time payments on the other 99 3/4% of the contracts. "In many instances fraudulent operators carefully avoid cheating individuals out of large sums of money because they realize that 'no one bilked out of fifty dollars is going to pay a lawyer to get his money back.' Thus, the only cases lawyers are willing to handle are those brought either by the unusual individual who will pay more than the amount of his claim in order to see justice done, or by those defrauded out of amounts large enough to justify the expenditure for legal fees. The number of consumers having no redress because the amount lost is not com mensurate with the attorney's fee constitutes the vast majority." Note, 114 U. Pa. L. Rev. 395, 409 (1966). It should be noted also that class actions are of no help to the injured consumers because it is possible 10 that under New York law up the present time, con sumers who sign separate though identical standard form contracts may not enforce their rights by a class action. Hall v. Coburn Corp., N.Y.L.J. Aug. 8, 1968 (Spec. Term, Sup. Ct. N.Y. County), now on appeal to this Court. The power of the Attorney General to enjoin fraudulent or unconscionable selling or financing, see Lefkowitz v. ITM Corp., 52 Misc. 2d 39, 275 N.Y.S. 2d 303 (Sup. Ct. 1966), is not a sufficient deterrent to such conduct, because the mere threat of being enjoined creates no financial risk for a company. A seller or finance company may knowingly participate in uncon scionable sales, aware that if he is someday required to mend his ways, he will not have to disgorge the fruits of his unconscionable activities. Indeed, this Court may take judicial notice that Peoples' Food, appellant's erstwhile assignor, was en joined on December 28, 1966, from selling freezers for more than 100% more than the wholesale cost. People v. Peoples1 Food, Inc, et, al., Index No. 41938/66 (Sup. Ct. N.Y. Co.). A copy of the consent judgment is annexed in the Appendix to this brief. Two months later, 11 Peoples went out of business (Complaint f 19, A-8). Yet appellee found other freezer sellers to cooperate with in the sale of freezers at unconscionable prices (Complaint 18, A-7, A-8), so that on April 19, 1968 (three months after this case was commenced) appellee had to be enjoined from selling freezers at more than 100% over cost. People v. Natpac, Inc, et al.. Index No. 40719/68 (Sup. Ct. N.Y. Co.). A copy of the consent judgment is annexed in the Appendix to this brief. The possibility that a few contracts, out of thousands, will be contested and voided, or that the state might prospectively enjoin consumer abuses, is obviously no real deterrent to the wrongdoer. Walker v. Sheldon, 10 N.Y. 2d 401 (1961), provided such a real deterrent in the case of fraud. By that decision, the would-be perpetrator of fraud upon the public generally knows that he may be held liable for an unknown amount of punitive damages. It is but a small step to apply the principle of Walker by analogy to the companion wrong of exorbitant overpricing (uncon- scionability), where that too, is done knowingly to the public at large. 12 A FINANCE COMPANY WHICH AS A REGULAR BUSINESS PRACTICE PURCHASES UNCONSCIONABLE CONTRACTS WITH KNOWLEDGE OR NOTICE OF THE WRONG BEING PERPETRATED, SHOULD BE LIABLE ALONG WITH THE SELLER OF THE MERCHANDISE Appellant strenuously argues that even if the conduct alleged is tortious, only the seller and not the finance company is liable. But the complaint does not describe an "innocent" third party buyer of an installment sales contract. Plaintiffs-respondents allege an extreme degree of finance company partici pation in the creation of these unconscionable contracts It is alleged (1) that defendant had notice and/or knowl edge that the buyers of the merchandise were mostly poor persons, and that the contracts were unconscionable; (2) that it appears on the face of the contracts that •k they were unlawfully executed or unconscionable and that the defendant bought the contract pursuant to a course of dealing and a pre-existing arrangement between itself and the selling merchant. In fact, appellant admits to having purchased 750 freezer contracts from * Respondents1 contract contains no model number or brand name, in violation of P.P.L. §402. The statute requires such information on the face of a contract in part so that a would-be assignee is on notice of the price in relation to the precise goods sold. Cf. Lefkowitz v. ITM Corp., supra. 275 N.Y.S. 2d 303 at 323 (1966) . 13 the seller from 1965 to March 1967, a rate of almost two per day. Affidavit of Martin Schwartz, sworn to the 6th day of August, 1968 (A-15). But the appellant must be liable along with the seller not only because of their close mutual con nection. Appellant's alleged Knowledge or notice of the unconscionability is the most important factor. The fact is that finance companies such as defendant are relatively stable, whereas in the ghetto, sellers such as the one in this case — Peoples Food go in and out of business with lightning speed. They sell for a year or two, and then disappear, either going into bankruptcy or abandoning their operation and going into business elsewhere, in another state, or under a different corporate name. Peoples' Food went into bankruptcy only a few weeks after its methods of selling freezers were enjoined by the New York State Attorney General. And this pattern is typical. There fore, a tort remedy will not prevent the mass induce ment of unconscionable transactions if it is available against sellers alone. These sellers will not remain solvent or in business long enough for their assets 14 really to be in jeopardy. The remedy must run also against finance companies working with the sellers, where the finance companies have knowledge or notice of the illegality in the contract. Joint liability is by no means unfair to the finance companies, where the finance companies: a. have notice or knowledge of the wrong and also, b. by extending a line of credit to the seller, are providing the means whereby the seller can stay in business and continue to induce buyers to sign the unconscionable contracts. The merchants who sell goods to the poor by means of installment sales contracts could not do so without assurance that they will be able to sell the obligations to a finance company. The finance company bankrolls the seller; the finance company is the seller's lifeline. As the New York courts perceived thirty years ago, "Looking, without the distortion of ancient notions, at the picture thus presented, we find the actual control and management of the credit and finance of sellers do ing a conditional sale business in the hands of these finance corporations. It is obvious that here we have a factual joint enterprise in which, so far as condi 15 tional sales are concerned, the management rests in the far larger part in the hands of the finance com panies. The finance company and the merchant-seller are as a fact engaged in one business, like Longfellow's description of man and woman, useless one without the other." Buffalo Industrial Bank v. DeMarzio, 296 N.Y.S. 783 (1937), rev. other grounds 7 N.Y.S. 2d 568 (1937). The merchants operate under the finance companies' umbrellas of protection, and the finance companies should be jointly liable at least where they have notice or knowledge of abuses in the merchants' selling practices. CONCLUSION For the above reasons, the conduct attributed to appellant in the complaint is tortious, and if plaintiffs-respondents prove their allegations, they may be entitled to punitive damages. Respondents must inspect the other food freezer and combination con tracts which defendant purchased from Peoples' Food in order to prove the persistent course of conduct and knowledge or notice that are, by analogy to Walker v . Sheldon, supra, essential elements of the tort. 16 Therefore, the inspection demanded by respondents' notice to inspect is relevant, both on the issues of liability and damages, and Special Term properly ordered production of the contracts (leaving appellant free to object to the inspection of any particular contracts, presumably on grounds of privilege) . Its order should be affirmed. Respectfully submitted, JACK GREENBERG PHILIP G. SCHRAG ^ 10 Columbus Circle Suite 2030 New York, New York 10019 Tel: No.: JUdson 6-8397 Attorneys for Plaintiffs-respondents 17 RESPONDENTS' APPENDIX At a Special Term, Part II of the Supreme Court of the State of New York, held in and for the County of New York, at the Courthouse at Pearl and Centre Streets, Borough of Manhattan, City and State of New York on the 28th day of December, 1966 P R E S E N T : HON. George Tilzer Justice In the Matter of the Application of the PEOPLE OF THE STATE OF NEW YORK by LOUIS J. LEFKOWITZ, Attorney General of the State of New York, Petitioner, CONSENT JUDGMENT for an order enjoining and restraining : Index No. PEOPLES FOOD, INC., PEOPLES FOOD PACKAGING CORP., L. & S. CREDIT CORP., SAM BRISKMAN, ARNOLD BARRY BRISKMAN AND LILLIAN BRISKMAN, : 41938/ 66 Respondents. : pursuant to Section 63, subd. 12 of the Executive Law from carrying on, conduct- m ing and transaction their business in a persistently fraudulent and illegal manner. RA 1 The Attorney General having commenced a special proceeding pursuant to Section 63 subdivision 12 of the Executi\^ Law against the above named respondents by notice of application, verified petitioner and affidavit of Assistant Attorney General James Princiotta, all dated October 18, 1966, the supplemental affidavit of Assistant Attorney General Princiotta verified the 24th day of November, 1967, the verified answer of the respond ents dated October 31st, 1966 and the matter having duly been come on to be heard at Special Term, Part I of this Court on October 31, 1966 and the matter having been adjourned to November 21, 1966, November 22, 1966, November 28, 1966, December 6, 1966, December 13, 1966, December 15, 1966, December 22, 1966 and then to January 5, 1967 upon a stipulation placed on the record on November 22, 1966 that the respondent would not sell or advertise for sale the freezers or freezer combination during and throughout the period of adjournment, and upon the subjoined stipulation and consent. NOW, on motion of LOUIS J. LEFKOWITZ, Attorney General of the State of New York (Assistant Attorney General James Princiotta of counsel) it is RA 2 ORDERED, ADJUDGED and DECREED, that the answer of the respondents be withdrawn without prejudice to any of the respondents and respondents shall not be deemed to be in default ORDERED, ADJUDGED and DECREED that the respond ents named in the said petition ARNOLD BRXSKMAN, and LILLIAN BRISKMAN be served from the said petition and discontinued as against said parties for all purposes ORDERED, ADJUDGED and DECREED that the respond ents, their servants, agents and employees in any further business transactions are hereby enjoined, restrained and prohibited from: a. Representing that the food freezer which is sold by Peoples Food is a commercial model. b. Representing that the freezer is reasonably priced unless such is the fact. c. Stating that the respondents are interested solely in selling a food program without mentioning the sale of a freezer. RA 3 d. Stating that the food freezer is guaranteed for 20 years both as to parts and labor. e. Setting forth that the food freezer will "pay for itself" out of the savings realized on the food purchased. f. Claiming that the food supplied by Peoples Foods Packaging Corp. is adequate in amount to fulfill the needs of the buyer's family for any particular length of time or that said food will last for any particular amount of time. g. Representing that the price of the food sold by Peoples Foods Packaging Corp. is at wholesale or is lower than comparable retail supermarket prices., h. Stating that the food supplied is from respondents' own food depot unless this is in fact the truth. i. Setting forth that respondents supply famous brand foods without stating exactly which brands are supplied. j. Raising the cash selling price of a freezer to absorb any allowances given on a trade-in. RA 4 k. Failing to provide an adequate description of the freezers sold which complies with Personal Pro perty Law, Section 402 (3) (a). l. Permitting customers to sign contracts which contain black spaces if such practice would violate Personal Property Law, Section 402 (4) . m. Failing to set forth the net weight and price charged for meat, poultry and fish as required by the Agriculture and Markets Law, Sections 193 and 196-a and the regulations of the New York State Department of Agriculture and Markets promulgated hereto (1 NYCRR 221.1(c). n. Operating L & S Credit Corp. without first obtaining a license from the Superintendent of Banking if such a license is required by the Banking Department. o. Setting forth that a freezer is supplied rather than sold, and it is further ORDERED, ADJUDGED and DECREED that the respondents in any further business transactions: a. specify as closely as possible the percentage of prime and choice meats that are supplied to sub scribers of the Peoples Foods Packaging Corp. food program RA 5 b . expand the one-year guarantee on parts and labor to three years, without further expense to the customer. c. put in their freezer contracts, at no extra charge, a food spoilage program which will guarantee to the consumer replacement, at no charge, of all spoiled foods, providing the food spoiled was sold by respond ents, or by respondents through their subcontractor food companies who have been assigned and sold the food order. d. pay the expenses of moving the freezer for any customer who, within three years after purchase, changes his place of residence to any point within 75 miles of New York City, providing the customer is current in his payments. e. supply with each food delivery a list reflect ing unit price or cost per pound for the food delivered therein. ORDERED, ADJUDGED and DECREED that Peoples Foods, Inc. insert into its contracts a clause providing that if, at any time within 10 days after delivery by Peoples Foods, Inc. of a freezer to his home, a customer is dissatisfied he may, without stating any reason, return that freezer RA 6 to respondent, Peoples Foods, Inc. and cancel his con tract; that at the time of the delivery of the freezer the consumer shall be given a copy of the 10-day pro vision and sign an original of same: that in the event of cancellation under this provision the respondents will pick up the freezer and assume the trucking costs; and that the copy of such notice shall state that written notice of dissatisfaction be given to the respondents at their specified address, and it is further ORDERED, ADJUDGED and DECREED that the respondents sell the freezers or refrigerator freezer combinations to the general public at a reasonable price which shall be in no event in excess of 100% over the actual cost to respondents for the freezer or refrigerator, and it is further ORDERED, ADJUDGED and DECREED that the respond ent SAM BRISKMAN, be and he is hereby ordered to pay to the petitioner the sum of $500 cost pursuant to CPLR § 8308; that the respondent PEOPLES FOOD, INC. be and it is hereby ordered to pay to the petitioner the sum of $500 cost pursuant to CPLR § 8308; that the RA 7 respondent PEOPLES POOD PACKAGING CORP be and it is hereby ordered to pay to the petitioner the sum of $500 cost pursuant to CPLR § 8308; that the respondent L. & S. CREDIT CORP. be and it is hereby ordered to pay to the petitioner the sum of $500 cost pursuant to CPLR § 8308; and it is further ORDERED, ADJUDGED and DECREED that the petitioner may make such further application under the provisions herein on five days notice as it deems proper and necessary for the enforcement of this order and judgment. E N T E R GT J . S . C . BA 8 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NEW YORK x In the Matter of the Application of the PEOPLE OF THE STATE OF NEW YORK, : by LOUIS J. LEFKOWITZ, Attorney General of the State of New York, Petitioner, For an Order enjoining and restraining : PEOPLE'S FOOD INC., PEOPLE'S FOOD CONSENT AND PACKAGING CORP., L. S. CREDIT CORP- STIPULATION ORATION, SAM BRISKMAN, ARNOLD BARRY : BRISKMAN and LILLIAN BRISKMAN, Respondents, : Pursuant to Section 63, Subdivision 12 of the Executive Law from carrying : on, conducting and transacting their business in a persistently fraudulent and illegal manner. : x It is hereby acknowledged, stipulated, consented to and agreed by and between the respondents and LOUIS J. LEFKOWITZ Attorney General of the State of New York, attorney for the petitioner herein, as follows: 1. That the respondents herein have each re ceived a copy of the verified petition and affidavit in this proceeding and know the contents thereof. RA 9 2. That the within stipulation and consent is entered into by the respondents as their own free will and voluntary act with full knowledge and understanding of the nature of the proceeding commenced and the obligations and duties imposed upon them by the order consented to be entered herein and that no further agreement or inducement of any nature whatsoever have been made to them by the petitioner herein or its attorney or any employee of the Attorney General's office to procure this consent and stipulation. 3. That the respondents acknowledge receipt of a copy of the annexed papers and judgment and hereby consent to the making and the entering thereof without further notice and hereby waive notice of any applica tion for the entry thereof. 4. It is further submitted by the respondents that the following is a general breakdown of costs with respect to the sale of a freezer selling to the general public for the sum of $799.95: Approximately $135.00 for salesman's commission on the original sale and revisit to consumer; RA 10 Approximately $35.00 for trucking and a service guarantee; Approximately $120.00 as a discount to the finance companies purchasing the freezer contract; Approximately $100.00 for the cost of advertising in various media in an attempt to secure the customer's interest; and Approximately $300.00 as the cost of the freezer unit itself. In addition there are various administrative expenses which are impossible to determine at this time. Dated: New York, New York December 27, 1966 PEOPLES FOOD INC. BY SAM B R I S K M A N ______ PEOPLES FOOD PACKAGING CORP. BY SAM BRISKMAN_________ L. S. CREDIT CORP. BY SAM BRISKMAN_________ SAM BRISKMAN_______ __ SAM BRISKMAN LOUIS J. LEFKOWITZ Attorney General of the State of New York Attorney for Petitioner By________________ _ JAMES PRINCIOTTA Assistant Attorney General PHILLIPS, NIZER, BENJAMIN, KRIM & BALLON, ESQS. At a Special Term, Part II of the Supreme Court of the State of New York, held in and for the County of New York, at the Courthouse at Pearl and Centre Streete, Borough of Manhattan, City and State of New York, on the 19th day of April, 1968. P R E S E N T : HON. George Postel Justice. — — x In the Matter of the Application of THE PEOPLE OF THE STATE OF NEW YORK by LOUIS J. LEFKOWITZ, Attorney General of the State of New York, Petitioner, for an order enjoining and restraining NATPAC, INC., NATPAC OF NEW YORK, INC., NATPAC OF LONG ISLAND, INC., GUARANTEED HOME FOOD SERVICE, INC., QUALIFIED HOME FOOD SERVICE, INC., FOOD FINANCIERS, INC., ASSOCIATED BUDGETING CORP., NATIONAL BUDGETING SYSTEMS, INC., and MARTIN SCHWARTZ, Respondents, pursuant to Section 63, subd. 12 of the Executive Law from carrying on, conducting and transacting their business in a persistently fraudulent and illegal manner. — — — — — — — — — — — — — — — — — — — — — — — x CONSENT JUDGMENT RA 12 Upon reading and filing the verified petition with exhibits annexed thereto dated February 16, 1968 and the affidavit of Assistant Attorney General James Princiotta with exhibits annexed thereto sworn to February 16, 1968 and the stipulation and consent dated April 12, 1968 executed by the respondents, represented by their counsel Harold E. Horowitz, Esq., and the respondents having interposed an answer denying any illegal or improper practices on their part and having expressed to the petitioner their willingness to comply with all provisions of law and of the provisions of this judgment relative to the conduct of their business, and, for the purpose of setting this case and evidencing their willingness as aforesaid, having consented to the entry of this judgment NOW, on motion of LOUIS J. LEFKOWITZ, Attorney General of the State of New York, attorney for the petitioner herein (Assistant Attorney General James Princiotta, of counsel), it is ORDERED, ADJUDGED and DECREED that Natpac, Inc., Natpac of New York, Inc., Natpac of Long Island, Inc., Guaranteed Home Food Service, Inc., Qualified Home Food Service, Inc., Food Financiers, Inc., Associated RA 13 Budgeting Corp., National Budgeting Systems, Inc., and Martin Schwartz, the respondents mentioned in the petition, be and they are hereby enjoined, restrained and prohibited from engaging in the following business practices in the State of New York: (a) Representing the sale of a family food program without specifying the sale of a freezer, un less such is a fact. The term "family food program" shall be deemed to mean the sale of food and freezer. (b) Representing that the food freezer is a commercial model. (c) Representing that the freezer sold is fully warranteed or guaranteed for 25 years or for life without specifying the particulars of the coverage as to labor and parts and the extent pertaining thereto, unless such is a fact. (d) Representing that the food freezer purchased by the consumer "pay for itself" out of the savings to be realized on the food purchased under the food plan. (e) Representing that a specified amount of food RA 14 will fulfill the needs of a family consisting of a specified number of people for a specified period of time. (f) 1. Representing that the price of the food is at wholesale, unless such is a fact. 2. Representing that the price of food is at discount price, unless such is a fact. 3. Representing that prices charged for food are lower than prices charged in a retail supermarket, unless such is a fact. (g) Representing the sale of prime meat and choice meat unless it is specified that prime meat is available to the consumer upon request. (h) Representing that the food program being sold is supervised and directed by a food consultant or home economist, when such is not a fact. A food con sultant or home economist shall be defined as one who has expert knowledge of food from the aspects of calories, nutrition and health. (i) Representing that the food spoilage certi ficate issued by the respondents would cover all of the - m 15 food spoiled, unless the limitations are specifically stated. (j) Stating that a specified delivery weight of meat and groceries would be delivered unless such be the actual weight received by the consumer, unless the substitution of food by the consumer with respect to the original order accounts for the variance in the weight. (k) Stating that the food supplied under the food plan would cost the consumer an average price per pound, unless such is a fact. (l) Stating that an itemized list would be furnished to the consumer that would reflect the weight and cost per pound with respect to the meat, poultry and fish, and the cost per unit with respect to the grocery items, unless such is a fact. (m) 1. Representing and stating that the freezer is furnished, unless such is a fact. 2. Representing that the freezer is supplied, unless such is a fact. RA 16 3. Representing the providing of a freezer, unless such is-a fact. (n) unless such Representing the leasing of a freezer, is a fact. (o) Representing to the consumer that he has won a prize in a contest where in fact no contest has been held. (p) Consummating the sale of a used or repos sessed freezer without complying with General Business Law Section 395. ORDERED, ADJUDGED and DECREED that respondents herein be directed to comply with the requirements of the Agriculture and Markets Law Section 193 and Section 196-a and the regulations of the New York State Depart ment of Agriculture and Markets promulgated hereto (1 NYCRR 221.1) and (1 NYCRR 221.9 [c]), and it is further ORDERED, ADJUDGED and DECREED that the respond ents be and they hereby are enjoined, restrained and prohibited from failing to comply with the Agriculture and Markets Law Section 188, and it is further RA 17 ORDERED, ADJUDGED and DECREED that the respondents be and they are hereby enjoined, restrained and prohibited from writing up any retail installment contracts for the sale of freezers without specifying the make and model number of the freezer as required by Personal Property Law Section 402 (3-a), and it is further ORDERED, ADJUDGED and DECREED that respondents be and they hereby are enjoined, restrained and prohibited from writing up any retail installment contracts for the sale of freezers in which the contract is in blank or partially in blank in violation of Personal Property Law Section 402 (4), and it is further ORDERED, ADJUDGED and DECREED that the respondents be and they hereby are enjoined, restrained and prohibited from stating that respondents Food Financiers, Inc., Associated Budgeting Corp., and National Budgeting Systems, Inc. are unassociated with respondents, and it is further ORDERED, ADJUDGED and DECREED that the respondents in any further business transaction: (a) Whenever the term "delivery weight" is used by respondents that they shall specifically state that the delivery weight is to be the actual weight, unless the substitution of food by the consumer with respect to the original order accounts for the variance in weight. RA 18 (b) Will comply with the Agriculture and Markets Law Section 193 and 196-a and the regulations of the New York State Agriculture and Markets Law promulgated hereto (1NYCRR 221.1) and (1 NYCRR 221.9 [c]). (c) Whenever the term "net weight" is used in respondent's advertisements they shall specify clearly the weight reduction with respect to the meats that are to be trimmed and deboned. (d) Specify that the prices charged under the food plan are subject to increase on future orders depending on the market trend. (e) Will furnish to the consumer a facsimile of the food spoilage certificate before the signing of the freezer contract, if such is represented as part of the sale. (f) Will furnish to the consumer, in trans actions involving the sale of a freezer or refrigerator- freezer combinations service as specified in manufacturer's warrantee for the term of one year effective from the date of delivery of the freezer without charge. It being understood that the parts required shall be obtained RA 19 from the manufacturer of the freezer in accordance with the freezer manufacturer's warrantee to the consumer. ORDERED, ADJUDGED and DECREED that the respond ents sell the freezer or refrigerator-freezer com binations to the general public at a cash price which shall be, in no event, in excess of 100% over the actual cost of the freezer or refrigerator-freezer combinations. In computing costs, the sum of $35.00 shall be added for trucking. ORDERED, ADJUDGED and DECREED that respondents pay to the petitioner the sum of $16,000 costs of the investigation pursuant to CPLR Section 8303(6), and it is further ORDERED, ADJUDGED and DECREED that the petitioner may make such further application under the provisions herein on five days notice as it deems proper and necessary for the enforcement of this order and judgment. E N T E R J . S . C . RA 20 r FIRST JUDICIAI •APPFJI -VTF. n i}4 S X A .V 1 3 •— j~-— 1 «> T '» ofsist: By Capozzoli, .1.1'.; McGivern, McNally and Steuer, JJ. 150. PEOPLE, &C. res, v. EARL CLOUD, def-ap—Judgment of convic tion unanimously affirmed, No opinion. Order filed. By Stevens, P.J.; Eager,, Tiber. . • and McNally, JJ. 7 PARKE-BERNET GALLERIES, INC., plf-ap. v. FRANKLYN, def-res —Order entered May 27. 1968 affirmed, with $50 costs and disbursements to the respondent. Opinion by Tilzer, J. All concur except McNally, J., who dissents in an opinion.' -- Order filed. By Stevens, P.J.: Tilzer, McGivern, ; Nunez and Macken, JJ. 106. STATE OF N. Y.. plf-res, v. SECURITY' ADVERTISING CO., INC., def-ap — Judgment unanimously af firmed, with $50 costs and disburse ments to the respondent. No opinion. Order filed. trig recover puru- da’mages from deiendant assert- a complaint based on Uniform By Stevens, P.J.; Eager, Marke-svicb. ■ Nunez and Steuer, JJ. 145. PEOPLE, &C., res, v. THEO DORE SAMUELS, def-ap—Order en tered May 3. 1968, unanimously affirmed. No opinion. Order filed. By Eager, J.P.; Capozzoli, Markewich and M*Nally, JJ. 130-1. PEOPLE, S:C., res. V. RICH ARD RIFFON, def-ap—Order entered Jan. 29, 1968, unanimously affirmed. No opinion. Order filed. By Stevens, r.J.; Tilzer, McGivem, Nunez and Macken, JJ. 103. IN RE BATES, pet-res-xp (Montes, res-ap-res)—Order, entered Aug. 14, 1968, unanimously affirmed, without costs and without disburse ments. No opinion. Order filed. 107. IN RE KINSELLA. pet-res (Davis, res-ap)— Decree unanimously effrmed, with costs and disbursements to all parties filing briefs payable out of the estate. No opinion. Order filed. By Carozzol'-'TT.: McGivern, McNally and Steuer, JJ. 157. PEOPLE. &C.. res, v. VERNON •TURNER, def-ap—Judgment of con viction unanimously affirmed. No opin ion. Order filed. 156. PEOPLE ex rel. ROBERT VI DAL. rel-ap, y. THOMAS, res—Order entered .Jan. 11, 1968. unanimously af firmed, No opinion. Order filed. By Eager, j'P .: Capozzoli, Tilzer and McNally, J.J. 132. PEOPLE ex rel. LUIS MEN DEZ, rel-ap, v. THOMAS, res—Order entered Jan. 11, 1968, unanimously af firmed. No opinion. Order filed. By Stevens, P.J.; Capozzoli. McGiTcrc, Markewich and Macken, JJ. S6N. IN RS SCHRIER, pet-ap-re3 (Schrier, res-res-ap) — Order of the Family Court, New York County, en tered April 30, 1958. unanimously affirmed, without costs and without disbursements. No opinion. Order filed. commercial Code section 2-302 in that plaintiffs were Induced to buy a re frigerator freezer at an “unconscion able" price within the meaning of the said statute. The defendant, a finance company, purchased the said install ment sales contract from the seller. Section 2-302 of the Uniform Com mercial Code does not provide any damages to a party who enters into an unconscionable contract. This sec tion gives the court the power to re fuse to enforce such an uncoil,soionable contract or it may enforce the re mainder of the contract without the unconscionable clause or it may so limit the application of any uncon scionable clause as to avoid any uncon scionable result. The. documents called for under the notice of inspection are neither ma terial nor necessary to plaintiff’s cause of action and their production would be an undue harassment of defendant. Under the circumstances, it was an improvident exercise of discretion not to grant the motion. I Order filed,_____ 1_________ _______ . LEROY FUNNY—Mm i, appeal as poor person terms and contUti-..- orders of this court.' Or ;. Bv Eager, .? !*.; r.: - McGivern and .M.uk„ M-167. TELARO v. 1, tlon granted only t0 staying defendant-;-,- disposing of the —:un: " remaining in the jive-' count 111 the nan-.-" defendant at Hay. Inc. on condition t’ ; respondent have the right or otherwise trade in" ti remaining in the joint a - as the assets of proceed', or sales remain in said ing appeal and on the ■ dition that the appellant appeal for the April, 196:T, Court. Order filed. By Stevens, P.J.; Eager, Capozzoli, McGivern and Babin, JJ. 13543. 13544. 13545. PEOPLE, kC.. res, v. JAMES SMILEY, def ap — Having reconsidered these appeals following the submission of supple mental briefs and the order of this court dated Oct. 1, 1968 which vacated its orders of Sept. 19, 1968 which af firmed these appeals, this court now affirms the judgment of conviction rendered Nov. 2, 1967 as also the or ders entered Aug. 15. 1967 and Oct. 9. 1967 dismissing appellant's writs of habeas corpus. Orders filed. By Eager, J.P.: Capozzoli. Markewich,; Rabin and Macken, JJ. 55. 53. 57. IN RS CHASE MAN HATTAN BANK. N.A., res .Miner, f ep i—Order entered June 23. .9co. ar.lj two decrees of the Surrogate s Court, New York County, unanimously af firmed, with one bill of costs and disbursements to ail parties filing briefs, payable out of the trust estate. No opinion. Order filed. 58. 59. HALL, plf-ap. Y. COBURN CORP. OF AMERICA, def-res—Order entered Aug. 23. 1968, and judgment,, nanimouslv affirmed, without cos.s and without disbursements. No opin ion. Order filed. 69 61. RUSSELL. HI. p'f-ap. V. COBURN CORP. OF AMERICA, def- j-tvij_Order entered Aug. 23, 1968, and judgment, unanimously affirmed. with out costs and without disbursements. Ho opinion. Ore r died. By Stevens, T.J.; Eager, Capozzoli, McGivern and Nunez, JJ. 112. NEW YORK S P O R T I N G ARMS ASSOCIATION, INC., plf-ap, v. CITY OF HEW YORK, def-res — Judgment enr^’-ed April 23, 1968, unanimously modified on the law to the extent of striking therefrom the last decretal paragraph dismissing the complaint as to plaintiffs T. Anthony Bloch and Jack Appel and substituting therefor a provision declaring that Local Law 106 for the year 1967 amending Chapter 18 of the Adminis trative' Code of the City of New York, in its general provisions and intend ment, is constitutional and valid and that the said plaintiffs are in no way unconstitutionally aggrieved by any specific provisions of said law; and as - so ' modified, affirmed with S50 costs and disbursements to respond ents. Special Term correctly deter mined that the ^attack by the said plaintiffs upon' the constitutionality and validity cf Local Law 106 had no merit, and correctly sustained the va lidity of that law. However, Special Term erroneously dismissed the com plaint because plaintiffs were not en titled # to the declaration sought by them.' (Lanza v. Waener. 11 N. Y. 2d 317, 334. Park Avenue Clinical Kosci- tal v. Kramer. 26 A. D. 2d 613. aff’d 19 N. Y. 2d 958; Medical World Pub- j lishing Co., Inc. v. William J. Kauf- ! man. 29 A. D. 2d 859). A declaration j should have beer, granted in defend ants’ favor as indicated hereir.aoove. \ Order ffled. , By Eager. J.P.; Capo/- and McGivern. J ! M-130. IN RE LAC: - rent!)—Motion for a condition that the apm\.; for the April, 1969, term . Order filed. By Eager, J.P.; Chpor-- McGivern and Mark*---* ' M-153. WAGNER v. Gi Motion for a stay denied. M-152. STULBERG v FASHIONS. INC.—Mo*: :: appeal granted, with $10 . filed. By Stevens, P.J.; Eager, < McGivern and S'unr.- M-18. IN RE PATER SO' polifcan Mutual Insurance tion to dismiss appeal . costs. Order riled. By Eager. J.F.; CapozzG McGivern and Markc'. M -lil. RAPP v. RING:.; —Motion to dismiss apm. with S10 costs. Order filed. M-197. PEOPLE. kC . v. CASELLAS; M-198. Poor CHARLES CIERS v. TOC peals withdrawn. Orders ft M-I45. IN RE MEN fBerman)—Motion to i.o party tenant respondent ; der filed. .M-124. PEOPLE, kC.. v. WELLS—Motion granted pr of this _court. entered on C Is amended by striking o r tion of Anthony F. Mr •: counsel to prosecute the substituting therefor O "• Esq., of 22 West Firo - Vernon. N. Y. The tun: • appellant shall perfect hereby enlarged until O the date of the erd : d By Stevens. P.J.: Fr Tilzer and Met, M-6174. PEC?: ” BERTO CARS All. O “ kc, v. FRANKLIN M-6189. People ■ . -■* l ia m s v. w a t t :■ LAND PENITENT: . pie. kc.. v. ELS. - M-l 16, -Peep'' ' LARD v. to ' p e n it e n t : a o v " V. JOHN l a g : rel. GILE- OI d e n . n ̂v. c :r* PRE5TI:. W-I CRUE v. T O ite-ar ichBy Fager, J.P.; Carv-umlf. Mi Rabin and Macsen, JJ. 62N. M A T T E R OF G O R D O Oh : claimants-res. v. M. V. A. I. C-. re-t-G : ; —Order, entered June 24. ItTo, -..an - \ ir.g a temporary stay cf arbitration * to M. V. a . I. C., unanimously re- ; versed, on the law. without costs and j disbursements, id M. V. A. I. GOT , motion for a permanent stay granted.; without costs. The infant claimant j was allegedly injured on May 22. 1965. j trh**n «r* automobile in. which he W" riding a r '’ which was being driven Stern, ct aided with an automob 5ENAN Mori' appe .*11 driven by Indelicato. The claims c the. infant and his mother) La.ve„ ieged that they were 'ffnsuroc sons under the uninsured 4;; cation indc ■ -■ . suranee ;s_ in r.r rv ta^er, ,?.P.: Tiller, Nl$cr,; ;! RaBia and Mackcn, JJ, 7?n A p e a f e S S . ptf-res. r . “SX* TIONAL BUDGETING SYSTEMS, INC., def-ap — Order entered cn Sept. 15, 1963 denying motion for a __oteotive order unanimously reversed, "on th e. law and the facts, without chats' or disbursements,;; the" motion granted and the notice is vacated. Py i t t v " r . h..l.: Eager, C T it -" a;.1 M cGjierjl, S3, Y.-'-ANTHOtlTl ' f 13. PEOPLE, &C. TlDANTELS, JR.; M-6190. People, &c„ v. ANTH&NY DANIELS; M-41. People, &c., V. 'iFALENTINE A. NEGRON; M-62. People, &c., V. EDWARD NEE LEY: M-SS. People, &c., v. RAYMOND HUARNEGK-.true name Paul Navarro: M-148. Efeople, lx:, V. RUDOLPH By StmL J.’’ .;-0 Hofsta'IWr BETH POWERS, de:-:; conviction unanimou.-.y opinion. 584. PEOPLE. S.-C. re REINHART, def-ap - - conviction ur.a nirr.ouA / RUTPINl M-190. 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