Westwood’s path to the dispute looks very different. It had bought a slice of UTB’s future receivables – 6.22 percent, with a stated value of $172,500 – under a July 10, 2025 agreement, paying $125,000 (minus agreed fees) on or about July 16, 2025. When the payments stopped, Westwood sued in Erie County Supreme Court, and on April 21, 2026, the court entered judgment of $166,635.48.