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8. Defendant(s) became delinquent by failing to make the
payment as agreed,
Defendant (s) continue to fail to keep the
payments up-to-date, with the last payment having been made on
August 14, 1996.
9, The agreement whereby Plaint iff and Defendant (s)
entered into the above relationship also provides for the costs of
suit and reasonable attorney's fees to be paid by the Defendant(s)
in the event of a default,
10. The amount due and owing under the terms of the
subject Note after application of all payments is:
A. Unpaid principal $ 7,574.00
B. Interest at contract rate
through August 14, 1996 835.97
C. Attorney's fees 1. 514 .80
TOTAL $ 9,924.77
11. Interest on the unpaid principal balance shall
accrue at a per diem rate currently at $4.05 from August 15, 1996.
12. Despite repeated demands by the Plaintiff, the
Defendant(s) have refused and continue to fail and refuse to pay
the amount due.
WHEREFORE. Plaintiff demands judgment against the
Defendant tsl in the amount of $9,924.77 plus interest at the
contract rate on ,il pet" diem chatg@ current 1 y at $4. OS from August
.
15. 1996 plus COSla of this action.
'----
ton Greene, Esq.
for Phil'll Ht
n~t tl,;;~,"'''r t't ..~'~ ,....,....,,:,.','jo,~.,.II...,..,; IS
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l'ERSO~,\1. CRElII r J.I:\E ,\( UIl" I .\(iRH:~IISr (I'a~e 2 01 4)
A\lilable Credit YIIU malllblain rund,; dire.tl) frllm w; IIr lhroll~h )Ilur spI"ial checks up 10 lour available credit. Each
che<:k musl be \Hltten for alleasl $100,00. rllllr a,ailao'e credit is )lIur creditlimil (shll\\nlln page line) less the tlllal
unpaid balance, induding Finance Char~es, lIf )Ollr .\WIlIIII. If )lIlI m"le IIl"n P") menls by che<:k, \\e \\ill adjust)'lIur
availahle crcuit seVen da)'s after we fl'\.'ci\l" lOur dlt:c.:k tll allow for dlCl'k dearing. H pUl rC"Illest funds in an aml,unllhal
would (,."3USC )-UlI to C~Cl"CcJ lour 3\ailahlc l.:n.:dit, \\c arc not ol1liJ:all:J 10 honor lour rc~ucst.lr we do lend lUU an amount
OVer plOr 3\ailahle credit. )-011 agree to pa}"lIs Ih;" C\t"l~-i!t :l1nollnt. plus Fin;llH:c {'har~cs. immc.,tliatclr.
I'rumise 10 I'al'; rou prumisc to pal' IIlluschllld: (a) amounls ollmllled under Ihis Agreemenl; (b) Finance Charges,
1\<lm.nl5trat.ve I harges (bad dlel'k char~c) and lither ChM~l'S prmided inlhi5 Agrl'Cmenl; (e) credit insurance charges, il
an).; (d) mlll'\:tilln msls permitted b). applicaole la\\, indlldin~ r."'''lIIablc allllmc), Ices; and (.) amllunlS in ex.'CS.s III
)Illlr creditlimitlhat \\e ma)lcnd )'lIU, plus Finan,.. ChM!:l"'.
I'al ments: rllu mal rcpa))our enlire cllI(slanding oalallc. at anI lime \\ithout penallY, YOll may nllt llse your s(lC1:ial
che<:ks 10 pay any amllunt' due under thi5 :\grccmelll. Jlc:Call'" Ih. Finanll: ('harge is mmputed cach da)', )'ou \\ill mnla.1
us regording Ihe enct pa)'oll amount lor the dal )oU intend to male lull palment. II IOU do not pal' the enlire unpaid
tlalalKl' on your A(."l'uunt at OII<<,:t.., lOll a~rl'C 10 POi} ;wi ka~,t tht., minimutn paymt.'nt shown on lour monthl}' statement
l'a).menlS will be applied as rollo\\s: First, 10 an) acnu...! o"t unpaid Finanl.e Char~e'; Sel1Jnd, to any unpaid
Administrative Charge.< (oad chl....l charge); Third. (<, all) ""paiJ In'di! insuranl.. charges; anJ Fourth, III the uutstanding
balanccol )'our A.'COunt. An). part ul luur monthl) pa)ment 10 be applil..! tllamollnts borrowed un lour A....l>unt will be
applied tn the amounLt; burrcmeJ unUl'r Ytlur Personal Crt.-Jit Lillt, All"Hlnt in the oruer in \\'hic.:h the amounts "en~
borro\\ed. Any part 01 )'our month I)' palmenl tu be appli,,,! III Finanl" Charges "ill be applied in the Slme manner.
~Ii"imum Munlhl ' 1'1 .ment: The Minimum ~Ionthl) I'a) mUll lor anI Nlling qde \\il1 be the greater 01 (I) the
greater () ur the 11)'ment Am(lunt (as uc.<:;c"Tih..'d hehJ\\) r1u<; Oln~ .\Jrniniqr;ati\ c (.hari:e~ and ,,:redit insuram.'C c.:hu!:t:S,
rounded to the nearest $1; or (2) Ihe Finanl.. CMrges due lor t1.c I'illin!: qde plus anI .\dministrati,e Charges anJ creJil
insurances. In each instance Ihe ~Iinim"m \Ionthl) I'almenl \\ill be aJju'ted to indude anl unpaid amllunts due Irom
prev.iuus billing qdes.
The Payment Amount de-rendH)n the monthl)' rcriodic rate 3rr1il.'lIMe to )UUf :\~l'uunt.lnd i~ calc.:ulated as fol1o\\"s:
\lonthlrl'erioJiv Rale "a) ment .\mounl
Ihrough \.33%
U\er I J3': thrllll~h 1.4~~~,
un:r 1.45';;' throuj:;h 1.~r;;,
U\er 1.~';l. thruua:h I. 70-:::'
o1<r l. 70%
1.43<;;' III .\UTlllnt lIalanl"
1.55':"~ flf ,'\'(,."(ount Balani."e
1.,,7';1, ..r A"Tlunt l\alanll'
1110':1. ..I Acmllnlll.lan,..
2.00~ .01 ,\nllunt llal.n,..,
rift.net' ChuCn:: lhis i~ lhe iuh:r~t dl~r,{.J fill ttIt' I'Jlilth.l' IIf lour .\i."l.'ount Juring u....h hillin,c qdC'. The Finanl.'e
Charge 15 ulculaW lrum the date thaI each o4'a'....., .h....:l..r lh.r~e i, p'"ted tll)IlUr Al,-,,\Inl lhc hnan... Char&< is
mmplltedoy mllltipl)ing the "'era~e Jail) ""Iann' in lour An""lIt in .""h oillin~ qde times Ih... monlhl)' perioJic rate
statw nn pace one. The .\~nj."'e Jail} Ntal1\:c i~ Jdt'rminnJ r} flll<lIIT1t: ail (.bil)" llllrllJ balllll"CS in tA\:h Nllinc "l"..le aoJ
Ji\-K1ing 1M tutal h)' the numher uf cJa}'i in tMt q\:1t:. ,.\ o3il) unpaiJ ~.II!l\.e i~ tht amount CHl,'e--J e-It:h dal'. ucludinlln)'
ul\paiJ Finanu'<< 'bugt', ,-\Jmini...trafi\ t' C .h~rgt'.;, .1nd l'fl,Jil lJ\>uf,'l!lt t: l t~Mj.;t'" fl tf rri..r f'.ilhng '-') rks.
Uad Ch<<L. ChafC~: n )UU f"J) ~) a ,,!in" "hll.h .-. rdWtlt"J r<lr "II} n..a"nfl. )HU "1(:'" to Pol} a t-.JJ dl,-",ll.harGt ul $.."0,
Olh1:f CharI": \nu a~rt:"\. tu~) 31l~ amounl~ 1\.l\ufl~ inl.Uffi-J t-} llolfi\hnIJ fpr S('(\U.:\.'S rmJert'd in ulI\ftC\..tion ,,-ith
tht: n:rsut\~ll rNlt I.ine .'\1."\.1'\1111 f(tf ft"'S f'3:d 1n ruHi( ..!Titulo;; in \.l~Hlt,-hon \\ith rrrfcttint. rn,wdine. tdea..~nl or
s.atisf}ine a ~.'ur,t) intt"tt"'>t in tht" st.''-l.ITlt~ You ".:rt:c tLit Iht,<.;{. fM.'" ~:t} tT \.k'tr~J tn ) our ..\"'1.:'OUO' t-..lam,'t'.
luminatioft and Chaac,t" "' the ,\r;ft't'"r'l'M'"' \\f lalt term, naIf )U_lr r,,,ht1cl UbUIR adJiliunal .,.hance' Uf
aillle Ihe lu",o ... th" .\I......."'enl. .nd...hnl.n\r..".g Ibe rale..1 I i""nve Chuee alan) hint!. rrior 'Hiuen
.......-e ...11 be I'v ell I.. )ut. "ht!" ~...rnl h) al'l>l.uhle II" u"k" ,.... ",,".tnlllllhe chance bdClre thaI hm<!.
'.'''"It..ml a,'f'Ir lu b..lh ..t" a,,1I H"I'I,nJinC balann, un I,'" m",."'IN hr arrl".lble la"
\Olln ~II 1111 101 10\\ I\(. r\lol" lOll \111111111\\' l'llll\l\lll\~ .\\Il 1\II'tllU.\\1
1\1 HIt\I.\ 110\ Illh \llJ}t\to \ ot 1l111"1l1~ 10lltWI II 1U11t\lil1llOIU
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I'EKSO;llAI. CKEDII' U:o.;E ACCOl':\T AGKEE:\IE:'I:T (I'oge 3 ul 4)
Ilt:hult and Cancellatiullol A~reemelll
We have tile fight to rCl.jlllrc you HI par your entire halance plus all othl'f 31.:l'flll."U hur unpaid dmrgl."S immediately and/or
tll c:mcel rour l:rccJil pri\.ilq;c~; under this Agn:l'ml'1I1 hCl'311:iC ..r:
(a) !ailure to make an)' papnents in lull II hell dlle under Ihi, A~rl'eml'lll;
(b) Irequentoverdra\ling ol)our lille or credit;
(e) lailure to supply liS \lith allY illlormalioll requested;
(d) SUppll'ing liS \lith misleadill~, lals<:, illcomplele or illlwreCl illlormatioll;
(e) breaking an)' or the prumi~s. terms Of cunditions that arc cont:Jinto ill this Agreement;
(l) Ihe liIill~ 01 a bankrupt,'), pctitioll bl' or agaillst)ou;
(g) Ihe death 01 allY burro\ler who si~lIs this A~reemellt; lit
(h) the sale or Irallsler 01 all)' illterest ill the propcrl) securillg this agreem"lIt (this illcludes Ihe creatiulI ul a
subordillate liell).
Alter dclault, )UU will pal' our c"urt cosls, rea"lllable attorney Ice, (il attorne) is lIot our salaried employee), alld other
c1,IIection msts related to the ddault. illlol prohibited h) applicahle la\l,
AllY halan,.. outstallding ullder this Agreemellt \lhell the credit limit is termillated will colltinue to accrue illterest althe
,1mtra.t rate ulltil paid in lull,
YOllR 1I11.1.1:\G RIGHTS
KEn' TillS :'I:OTlCE HlK ITH'KE I'SE
This notke lUntains import.nt imlormalioll ahout your rights alld lIollsdlOlJ's responsibilities under the !'air Credit
lIilling Ac1.
i"otil)' Househuld In Case ul Errurs ur Questiuns ..\bllut Yuur lIill
1l)'OU think )Ollr bill is \I!IIlIg. \It il)ou IIl....d more informalioll aNII,t a trallsal.tion on yuur bill, write lIolO;ehold un a
separate shc'''' at the adJ"",, lisll'J 01l)1ll" hill .llt'r the' \lorJ., -S-'IIJ )Ollr hillillg error not in' t,,: (HUlLo;choIJ's. name anJ
aJJress): Write tu Illllc;cI,,,IJ a, "'. '" a'; p.""ihle. 1I",,';<hol<l In"'.l Ill'ar Irom 10""" later lha" 1.0 days alter Iluusehuld
SC'nt )'0\1 the rirst hill on \\hit,."h the:- errur ur pruhkm lIrr,,:aft,.'J. \ till \,:an tckphulle lIouschuld. hut doing so \\'lH not
rr~"el'uur righl"-
In luur ltucr. gi\(:-lhu.~hoIJ lht' rt~llu\\ing infurmatloll:
. Your nam~ and i\.'\..'uunt number.
. lhe dollar amount 01 the s,>>pt'Cted error.
. l.>e&Tibc the errnr and explain. if )UU l.'an. why loti bdit'\c (1Icre: i~ all rrfur. If yuu t1<<-d mure infurmati<m. describe the
itrm lUU 1rC' nut SUft' ahuut.
ruur RiChh ud Ilull..huld'. Re'!",,,'ibilitie, .\ll<'r Huusehuld Res'ei".. ruur Written ~tltice
lIullseh"IJ mllst ",'k"uuled."lour IeUl'r \\ ithill 30 .la". ""Ie", lIo.."d,,,IJ h,'ilHm-.'led the errllt 1>)' then. Within '!O ela)s.
IlousehutJ must f'lltu..1' t\)(rn:llhe t'rrur I.f c.\pfaiu \\ h} IIOtt~:.t."ht.IJ t'l'lic\t"s the hiB \\a5lurrt.'t.'t.
After lIuuseholJ rn.'1:in."s luur Ictlt"r, lIuu~)(:htJIJ ,-'jllHlul If) Iu \:011\.1:1 an) atnuunl }UU '1utstiun. or n-P.lft )UU 1$
~linqUC1\llloU!JehotJ can \.:ulltimlt" ttJ hill }Ot.) ftlf tfat' am~'Ul1r }1111 ~u<:$t"Nl. iuduJiuC finao\.'e dllrCes. and IlousehohJ un
appl)' Iny unpaid .mollnta~ain" lour ,"",.lit limit. You J.. nut 1I",'e to pal' a,,) qllt'Stion.,.} amount while IIous.:holJ is
inn'sti<inC. put ){tU aft: still tlbtti::d\."J hi r~) ttu: parts: tif )tJ\.lf hlllhalltrt' 1l,lt ill \.Iut'stiun.
If 1I<~t"~d finlh IhaIIl1l1l5d..~J maJ.. misl.k< on lour hill. 10" "illnol hal. tn f"ll au) linance <hu~ ",Iat.,.} In .n,
qUt'SIi<"lN a,nollnl, Illlulls<I,,~J JiJ mil make. mi'l.kc. lUll ma) hal. In (lll, 1111'"'" ,'huC'" and l~'" ..ill hnelu mi'.
Ul' In)- missttl ('I)'tUents tin tllt' ~lf\.....tltJtu,,'J ~unt.Utll. In t:ilh~r \.3~<r. I IIHiS\,httlJ \\111 'i\:uJ )ttU a lilJ.ttf'n~nt uf thl!: amlNnl )'1U
",,-..nJ the Jot. thai it is J,....
If )0\1 faa t.. 1") tlu,< ,UlluhHt th;lt UIl\I'~lIPiJ thlHL.... ~I~H o\\c 1li1\N"hnIJ n'l:t~ rq'lft }UU 3~ JrlinqUt"ut, IIlH\c\t'c. if
1I~)t_t.....htlIJ's ~\I~..ln,}(iun J, k..", h!. 0{ ".atl:,h )..q ~HJ \HU 'oHlh: III ltH<f"4.hoIJ \qthlH h.."u J-.J.}'" h:llm, lIuust:hlllJ that )UO Milt
rdlt;,l; tn p;1l. lluu~Kh...JJ nHf'.l tdl ;)n~oHt". ttou~l...IJ nphrt't \tki to lLdt )Htl 1;.1:\\' ~ "4q~'""'t~W\II~~i.l }UUf }>.in ,\ad,
IltJu*ill'ru~J n'\t>>i.t hH }tlli tt,t' n;un~'.t! "Uj1tf\t.lt\HN'h.t!J h"r..ttkJ ~,Il'" lt~ tl~hl'.t.htllJ mu,:,l ''t"'li .ftl\Mle I itJusehti<lJ f\''l''orts.
)OU tt. that thf' rt\alt'ff 1\3.... h:t:tl '\("ttkJ t-I:II'\'\:il "-,, \\hUI tt flH,:h 1"
If I "'}i,tsthHIJ ..k":'~H't rulhm 'h~:;f' t'dh~ 'hli.I'-.:t'!,,~J \d~'l't ;.uf!..d t!". tlt"q $'\0 of lilt" '4;f\.~ti-tlHN I:mut.mt. ntH if )H\lr l'i:!
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1\IUll\1.\1l0\ RHi.\RllI\1i \Onllll<illlS to H1\1'n I, nil II'" IRIlO!lS
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COMPLAINT
1. Household Finance Consumer Discount Company, the
plaintiff, is a corporation doing business at the address indicated
in the caption hereof.
2. Defendant CYNTHIA L, BARGER is an adult individual
residing at the address set forth in the caption hereof.
3, On or about August 5, 1994 the Defendant(s) signed a
Personal Credit Line Account Agreement hereinafter referred to as
"Agreement", with the plaintiff, a lending institution.
4. The subject Agreement is attached hereto as Exhibit
A and incorporated by reference herein.
5. The agreement whereby Plaintiff and Defendant (s)
entered into provides that the Defendant(s) were to receive certain
sums of money or credit limits pursuant to the attached Exhibit
"AM 6
6. The Defendant (s) were to repay the Plaintiff all sums
advanced to them plus interest and other charges indicated in the
agreement. The agreed rate of interest or the formula to calculate
same is indicated in the agreement.
7. The Defendant(s) were to repay the Plaintiff regular
monthly payments as indicated in the agreement or pursuant to the
minimum monthly payment schedule as indicated in the agreement or
the amount shewn on the monthly state$ent mailed to the
Defendant!a). with the first installment to begin approximately 30
daya from the date of the agreement.
THt PU~POs( ~ THIS COMUlJ$llCATlOM IS
TO COlllCT A OUT A~D A~Y ltI;t(ifl'UT~
Oll tAI"ED Will BE USED fOA THIS PUIlPOSE
.
8. Defendant (s) became delinquent by failing to make the
payment as agreed,
Defendant (s) continue to fail to keep the
payments up-to-date. with the last payment having been made on
August 14. 1996,
9. The agreement whereby Plaintiff and Defendant (s)
entered into the above relationship also provides for the costs of
suit and reasonable attorney's fees to be paid by the Defendant(s)
in the event of a default.
10. The amount due and owing under the terms of the
subject Note after application of all payments is:
A. Unpaid principal $ 7.574,00
B, Interest at contract rate
through August 14. 1996 835.97
C. Attorney's fees 1.514.80
TOTAL $ 9,924.77
11. Interest on the unpaid principal balance shall
accrue at a per diem rate currently at $4.05 from August 15. 1996.
12. Despite repeated demands by the Plaintiff, the
Defendant(s) have refused and continue to fail and refuse to pay
the amount due.
WHEREFORE. Plaintiff demands judgment against the
Defendant (s) in the amount of $9. 9H. 77 plus interest at the
contract rate on a per diem charge currently at $4,05 from August
15. 1996 plus costs of this action.
~
ton Greene. ~.
or Plaintiff
M PUllPOSf 0' TMI$ CQWUMCAnm. IS
fa COLLECT A O[IT A-'O ANY IhtOl'lMATlOft
08TAllUO WIll 8E USED fOR THIS PURPOSE
,~"j
.
I'EUSO~AJ. CUEI>IlI.l\E ACCOl'I\T ,\CiUEDIIXI (l'age 2 of 4)
Available Credit: Yuu mal' ubtain fund:; d,rC1;tll lrom us or throuSh lour spc~ial ~he~ks up tu l'uur available erc:lit. Ea~h
~hC1;k must be wntten lur at least $100,00, Your a'ailable ~redit is )'IlIIr ~redit limil (shuwn on page one) less the 10t.1
unpaid balan~e, induding Finance Charges, ul lour A~<ounl. If IOU make loan pa)'ments b)' ehe<:k. we will adjust yuur
available credit seven da)'s aher we recei,e lour check 10 .1I0w lor ,'he~k dearing, If )'IIU request lunds in an am"unt that
would ~ause )'OU to e.~eed lour available credit, lie are not oblig.ted to honor )'our request. If we do lend )'uu an amount
uver yuur available credit, IOU agree to p.)' '" that e'c,",s amounl, plus Finanv.. Charges. immediatel)',
I'rumise III I'a}': Yuu promise tu pa)" 1I0usehold: (a) amounls borrolled under this Agreemenl; (b) finanv.. Charges,
X<JiiiiillstratlVe Lharges (bad ~h""k charge) and olher charges I"'" ided in this Agreement; (c) ~redil insuranv.. charges, il
an)'; (d) mUe<:tion <osts permitted bl applicable !all, inclllding reasllnable attorne)s' fees; and (e) amounts in e.~ess uf
your ~reditlimitlhat We mal'lend lUu, pillS Finallce Charges,
I'al'ments; Y uu mal' repa)' )'our entire uutslanding balanv.. at anI time withuut penaltl', You mal' nol use )'our special
checkstu pal' an)' amuunts due under this Agrccmenl. llc.:au,.. the I'inanv.. Charge is ~omputed each da)', IOU will conta~t
us reguding the e,..t pa)'oll amount lor the da)lOU intend to make lull pa)'menl, If )'UU do nol pay the enlire unpaid
halance on )'our Al"Cuunt at unl,,:e, )OU agree lo pa}' at least the minimum pa)'ment shm\n on )our monthl)' statement.
I'a)'ments will be applied as 101l01lS: ('jf't. to an)' accru",,1 bul unpaid Finance Charges; Se~llnd, lu an)' unpaid
Adminislrative Charges (bad ~heck char gel: 'I hird, to an) unpaid ,redit insuranv.. charges. and Fourth, to the outstanding
balance 01 l'Dur A~v'Dunt. Anl' part of lour month:)' pa)'ment to be applied to amounts bommed on lour Ac'\.'Ounl will' be
applied to the amounts burrolled under lour I'ersonal Credit I.ine ACV~l\101 in the order in which the amounts were
burrowed, Any parI 01 l'our monthl)' pa)'menllo be applied to !'inanv.. Charges will be applied in Ihe same manner.
~Iinimum Mllnlhl~' I'aj'ment: The ~Iinimum Monthl) I'a) menl for an) billing qde lIiU be Ihe greater of (I) Ihe '
grealer of $25 or Ihe I'aj'ment Amount (as described l:eloll) plU5 alll Administrotil. Ch3f~ and credil insuran~e ~harges,
rounded lOlhe nearesl $1; or (2) the ('jnan,e Charges due lor Ih. biiling qde plus an) Adminisl"tile Char~ and credit
insurances, In ea~h instan~e the ~Iinimum ~Ionthlj I'arment \\ill be adjusled 10 include anj' unpaid amounts due from
pre,ious billing q'des,
Ihel'ayment Amount depends on Ihe monthl)' periodic rote oprlicableto )'our Ae"l.'Ount. and is eal~ulated as 10Uo"s:
:'Ilonlhlj I'erindie Uate I'aj menl Amllunl
through 1.33-'; I A3~ of Av'Count llalanv..
over 1.J3<;l. through 1,.5';;' 1.55~ of Ae'Counl nalanv..
mer 1..51. Ihrough 1.58':;. 1.67'i 01 Ae'l.'Ounlllalanv..
over 1,58':1. through I, 70... l,llO~ 01 Ae'l.'Ount Dolanv..
o\'tr 1.70<;l. 2,oo~ 01 AV'l.'l\lnl Dolance
Fiunce CharCes: This is the interest vharged on the balanv'e 01 lour Ae'l.'OUnl during each billing qele. The Hnan,..
Lllarge IS calculatC<l Irom the dale thaI each ad\lnc.., ~hC1;k or ~harge is POSled 10 lour Account. The Finan<... Charge is
computed by multiplying the a\'trage daily balanc.. in )'Ilur ..k'Count in cad, billing cycle times the monthly periodic rate
Slaled on pace one. The a\'troC" dail) b.tone-. i. determin"'" h) lotahnc all daily unplid balaJle.... in each billinC cycle and
dividinc Ihe 100al by lhe number 01 days in Ihal crde, A daily un".id balan,.. is the amount owed each day, ucluclin& any
unpaid Finan<... Charge, Admini,trathe Charces. and ~red,t insuranv..cb.rges for prior balling q'des.
n.d Check ChorCe: II )'OU plj bl ached ..hi,h " rei urn"'" fo' an)' reason, you ac~ to plY a bad che<:k ebarge 01 S2O.
Olher CharC": You agl'fl! 10 plY an) amounlS aduall) inLutrt'd by IIlJUSt!told for Itf\im renclered in connection with
the I'ersonol Li'Ni1 line ."e'l.~l\Jnl for fres plid 10 puN", "If...,als in v'Ol\M\.'tion with rerfe<'tinC, reo:ordinc. releasinc or
satisl)'inea security inleresl in Ih. s"':t.ril), lOll agr~ Ihalth... fees may be eharced \0 1'<l\Jr Ae'COUnt blla~
Termination .nd Chances in the .\crttrmal We nn term,nat. Inur rie"lltl obuill additionalldYlftCU or
d1lftC. the tUIIlS ". tn,. ,"cree_at la<lu.llnc ,,,,,rea..nc the rale 01 FiRa.ce CII.rce IIlfty time. Prior ..riUen
"o\ice ..il1 be ei'"" Itl lUU .. he" .oquired bl arrl..;able I... u.1eu yuu COIIlIt.1 to tht dluC' before thaI time.
Chlnce. ma)' 'I'PI~ 10 both I\CW ..... ..""Ia....i"& bllalltt. ""less rrobibited b, arrhClblt law,
Nonn~ SEE Till, roUO\HNlj r.\GIS lOR AOIHlIONAl PROnSIONS ASD 1~lrolTA~'T
INroRM.' lION RI:GARDlNCi 'Ol'R RIGII IS TO mSrl'n: 81tUNG alOU -
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. I'ERS()~AI. CREDIT I.I~E ACCOlINT AGREBIE~T (I'age J of 4)
Dchult and Cancellalion of Agreemenl
m have Ihe nghtlo reqUIre )UU lU pal)'our enlire halan,,, plus all Olher accrued hut unpaid charges immedialely and/ur
10 cancel l'our credil privileges under Ihis Agreemenl b:cause or:
(a) failure lu make any papnenL< in full when due under Ihis Agreement;
(b) frequenl overdrawing of )'our line of credil;
(c) failure lu supply us wilh any informalion requesled;
(d) supplying us wilh misleading, false, incomplele or inLllrrccl informalion;
(e) breaking an)' of Ihe promises, lerms or <111ldilions Ihal are ClInlained in Ihis Agreemenl;
(r) Ihe filin:: of a bankruPlCY pelilion by or ag.insllOU;
(g) Ihe dealh of an)' borrower who signs Ihis Agreemenl; or
(h) Ihe sale or lronsfer of .n)' interesl in Ihe properly s<:cllring II.i< agreement (Ihis incllldes Ihe crealionuf a
subordinale lien).
Afler default, lOU will pay ollr courl cos~, re.calllable allumey fc:cs (if allorne) i5 nol our salaried employee), and olher
colleclion <'USIS relaleJ lu Ihe default, if nol prohibiteJ b)' applicable 1.11'.
Any balance uutstanding under this Agreement when the creJitlimil is lerminateJ will continoe 10 a<'Croe interesl allhe
conlract rale unlil paid in full.
)'mlR lIII.1.1~G RIGHTS
KEEl' TillS ~OTlCE roR FFITRE rSE
This nOli<" L'Ontains imporlanl imCurm'lion ahnul lour righls .nJ HouseholJ's r<sronsihililics under the Fair Credil
Billing Acl.
lI:ulifylluuseholJ In Case of Errors or Questions .\buul Your lIill
If lOU think )Ollr bill is II rung. or iC IOU need more information aN.ul a Ir.n"".tion on lour bill, wrile lIousehold on a
separate sh""t at the aJdr.,,, lisleJ IIn lOllr I-ill aha the \\Ord';: 'S':IIJ }Ollr hilling crrllr nllli,,, tll: (1I""seholJ's,n.me .nJ
address): \\'rile tu Jlou~dlulJ a~ soun a~ pussi~lt:'. JllIu~:t"huIJ mU..'a hear rrofn }OU un late'r than 60 d.1)"s after lIuti.'ieholJ.
scnt lOU the first bill 011 \\hi..:h th(' ('fror '-If rroHlom 3rrc3ft:J. You I.'an Id~phtlne IlollscholJ. but doing so "ill not
pres<:rve )'uur rights.
In luur letter. ,j\C lIouscholJ the rullO\\ing inronnaliou:
. Your name anJ K"....ont number.
. The dollar amounlof the S<L<rccted error.
. Describe the error InJ t'xplain. if )'U\h.'an. "h)' ) ou hdic\.e tht:re is all e-rrur. If )'UU need more information. describe the
item )'UU Ire nut sure abuut.
Yuur RiChl' Ind lI"u.eh"ld', Respon.ibilities .\f1er lIouseh"ld Recel\es Yuur \hillen :\utice
IIllusehold must OCkllUl,lcJ,e luur leuer ..ilhin 30 Jal s, unless lIuu.seholJ har, mrrccted Ihe error b)' then. Within 90 dal'S.
lluusehold mosl eilh.". curreel the error or ..rlain \\hllluu.o;ehuIJ belie'es Ihe hill \\lS <ure.:!.
After lluusehulJ rC\:"i...,,, l.Nr letter. lI..us<h,~J ,,>nnot tf) lu mllC\.1 an) Imuunt )OU questioo, or "'port )'ou IS
<klinquent. llousc:holJ Cln ",nlinue lu hill )'N Cor Ihe :lITwunt )'UU question, induJinc finance char~ and llousehold <'In
If'flly any unpaid am'Nnt ac.inslluur m,dit limil. You d,) nul ha,'e to pa)' an)' qUC$lioned amounl wbile llousehold is
investic.tinc, but )(N arc still "blie'led Ii. rollhe parts uf lour bill th.t.re n"l in question.
tr llouseholJ finds that Ilou.....huld made a mist.ke .1Il10ur bill, )UU \\.lIn"l h., e 10 pal' an}' finance charees relaled to any
questioned Imounl.lf I l..usehulJdiJ n"t m.ke a mist.ke, IUU m.y ha'elu rol finan,,,~hll~.nd you..ilI have to mike
up Iny missCI.I rarrnents'Hl t..... qtielioned am..unl. In eilher case,lluu.o;rh.dJ \\ill ..,nd )..... statemenl ollhe amount you
OWe and the date that it is due.
tr )'ou f.il to pay the amount lhat 1I,"""".4J Ihin~< )0" ""c. 1I,"","hoIJ mal re!"lfl )UlI IS delinquent. 1I0\\e..r. IC
1I,~holJ', oxpl.n'li'm J,,,,, mH satd) l'lU ..kll"" II rile h> 1I'"IS<'h,dJ '''Ih," len d.), IdlinC 1I0u."hold th.l)uu '!ill
",fuse '" roy. 1I"..""h..IJ mllM Idl 11I}..,e 1I....."'h,~J rrl"lfts l"u h. th.. )1'" h..e a questll)ft about yoor bill. AnJ.
IklUllehulJ mUlit lell)ll\llhe ...m. ut'.l""e lI"""''''dJ R'p'..tcd }IN to 1I"",...h"lJ mUSI tell a.root llouschuld "rorLS
)'00 to th.1 the matter has b<:cn 5rtllCl.! ~"et:n us I\h,," .t 111I111) i,
llllllusehuld """"su'! 1011..\\ tll"", ",lei. 11...",..h.~J ".n'l ".n....t lhe ""t S~ "I the ~UC5li\lned amount. ~\-~n il your bill
"U \'Otft\1.
~OrlCE: SEt: 1I1E rm to\\I~(j rUil' rOk .\1)\)1110:\\1 I'RU\ISIO:\S ASO "II'ORH:\T
L"FOR~IA nos REG ,Ut1H.\lJ \(lCll RI(,l1I S 10 \llSI'n t-: 111111:\(, I:UORS
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