HomeMy WebLinkAbout00-01228
SHERIFF'S RETURN - REGULAR
CASE NO: 2000-01228 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
GREENWOOD TRUST COMPANY
VS
LOUTBIAN MICHELLE L
CPL. TIMOTHY REITZ
, Sheriff or Deputy Sheriff of
Cumberland County, Pensyl vania , who being duly sworn according to law,
says, the within COMPLAINT IN ASSUMPSIT
was served upon
LOUTBIAN MICHELLE L
the
DEFENDANT
, at 2027:00 HOURS, on the 7th day of March
, 2000
at 32 EAST KELLER STREET
MECHANICSBURG, PA 17055
by handing to
MICHELLE L. LOUTH IAN
a true and attested copy of COMPLAINT IN ASSUMPSIT
together with
NOTICE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
6.20
.00
10.00
.00
34.20
So Answers~~~
R. Thomas Kline
03/08/2000
EDWARD STOCK
me this lei ~
day of
--
Sworn and Subscribed to before By:
~ ~ A.D.
ChL (l~ ~.
rothonotary . ,
,,],. 1
EDWARD STOCK, ESQUIRE
2:.D.#13657
18th Floor
1608 Walnut Street
Philadelphia, Pa. 19103
(215) 893-9322
GREENWOOD TRUST COMPANY BY ITS
AGENT DISCOVER FINANCIAL SERVICES, INC.
P.O. Box 6011
Dover, DE 19903-6011
Plaintiff
vs.
MICHELLE L. LOUTHIAN
32 E. Keller Street
Mechanicsburg, PA 17055
Defendant
CIVIL ACTION
"NOTICE"
"You have been sued in court. If you wish
to.defend against the claims set forth in the fol-
lowing pages, you must take action within twenty
(20) days after this complaint and notice are
served, by entering a written appdarance person-
ally or by attorney and filing in writing with the
court your defenses or objections to the claims
set forth against you. You are warned that jf you
fai I to do so the case may proceed without you
and a judgment may be entered against you by
the court without further notice for any money
claimed in the complaint or for any other claim
or relief requested by the plaintiff. You may lase
money or property or other rights important to
you.
"YOU SHOULD TAKE THIS PAPER TO
YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE,
GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FINO OUT WHERE YOU
CAN GET LEGAL HELP.
LAWYER REFERENCE SERVICES
Court Administrator
One Courthouse Square, 4th Fl.
Carlisle, PA 17013
(717) 240-6200
.." T ~~ I ,"-~
L
Attorney for Plaintiff
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL ACTION-LAW
No.06 - J~
I
,
i
I
I
C;u~ rtf->7
j
"AVISO"
"Le han demandado a usled en la corte. Si
usted quiere defenderse de estas demandas ex.
puestas en las paginas siguientes. usted tiene
veinte (20) dias de plaza al partir de la fecha de
la demanda y la notificacion. Hace falta asentar
una comparencia escrita 0 en persona 0 con un
abagado y entregar a la corte en forma escrita
sus defensas 0 sus objecianes alas demandas
en contra de su persona. Sea avi sada que si
usted no se defiende, la corte tomara medidas
y puede continuar la demanda en contra suya sin
previa aviso a natificaCion. Ademas, la corte
puede decidir a favor del demandante y requiere
que usted cumpla con todas las provisiones de
esta demanda. Usted puede parder dinero 0 sus
prapiedades u atras derechos importantes para
usted. .,
"LLEVE ESTA DEMANDA A UN A80-
GADO INMEDIATAMENTE. SI NO TIENE A80-
GADO 0 SI NO TI ENE EL DINERO SUFICI ENTE
DE PAGAR TAL SERVICIO, VAYA EN PER-
SONA 0 LLAME POR TE_LEFONO A LA OFI-
CINA CUY A DIRECCION SE ENCUENTRA
ESCRITA ABAJO PARA AVERIGUAR DONDE
SE PUEDE CCNSEGUIR ASISTENC", LEGAL.
(Servicio DeReferencia DeAbogados)
Court Administrator
One Courthouse Square, 4th Fl.
Carlisle, FA 17013
(717) 240-6200
,
f.- It
EDWARD STOCK, ESQUIRE
I.D.#13657
18th Floor
1608 Walnut Street
Philadelphia, Pa. 19103
(215) 893-9322
Attorney for Plaintiff
GREENWOOD TRUST COMPANY by
its agent, DISCOVER FINANCIAL
SERVICES, INC.
P.O. Box 6011
Dover, DE 19903-6011
plaintiff
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL ACTION-LAW
vs.
NO. trV _ /2..2% ~ !,J..L-../
MICHELLE L. LOUTHIAN
32 E. Keller Street
; i Mechanicsburg, PA 17055
I i Defendant (s)
CIVIL ACTION
, , COMPLAINT IN ASSUMPSIT
I!
I. plaintiff, Greenwood Trust Company by its
agent, Discover Financial Services, Inc., is a duly
organized banking institution under the laws of the
State of Delaware and has a principal place of business
at the address contained in the above caption.
2. Defendant(s), Michelle L. Louthian, is an
adult individual and resides at the address contained
in the above caption.
3. In or about September, 1991, the Defendant(s)
applied to the Plaintiff for a Discover Card account
which application was approved by the Plaintiff, with
the result that the Plaintiff issued to the
Defendant(s) a Discover Card credit card for her use so
II
,
i that the Defendant(s) could make purchases from
merchants, on credit, who had established a business
relationship with the Plaintiff in regard to the same.
4. Plaintiff attaches hereto a copy of the
standard Cardmernber Agreement to this Complaint as
Exhibit "A" which contains the terms and conditions of
the undertaking between the Plaintiff and the
Defendant (s) .
5. Thereafter, the Defendant(s) utilized the said
Discover Card credit card on various and sundry
occasions.
6. Plaintiff attaches hereto as Exhibit "B" to
this Complaint, a true and correct copy of the last
monthly statement in regard to the activities in
connection with the Defendant's account and also
attaches hereto as Exhibit "C" to this Complaint, an
Affidavit from the Plaintiff attesting to the present
balance due the Plaintiff from the Defendant(s) in
regard to the said account.
7. Notwithstanding repeated requests and demands
of the Plaintiff upon the Defendant(s) to satisfy the
outstanding indebtedness in the sum of $9,929.59, the
Defendant(s) has and still refuses to pay the same.
8. As a result thereof, Plaintiff has been forced
to incur reasonable attorney collection fees in the sum
of $1,489.44 in an attempt to legally enforce
collection of the debt due it from the Defendant(s),
II
II
,I
I,
I
I
which reasonable attorney fees are the responsibility
of the Defendant(s) to pay in accordance with the
Cardmember Agreement.
9. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
WHEREFORE, Plaintiff, Greenwood Trust Company
by its agent, Discover Financial Services, Inc.,
demands Judgment against the Defendant(s), Michelle L.
Louthian,
in the sum of $11,419.03, with interest and
costs.
~
DATE: ~~~
~
/
EDW
RE
VERIFICATION
EDWARD STOCK, ESQUIRE, Attorney for Plaintiff herein,
verifies that the statements made in this Pleading are
true and correct and that he is authorized to make them
on behalf of the Plaintiff. He understands that the
statements herein are made subject to the penalties of
18 Pa. C.S.A. Sec. 4904, relating to unsworn
falsification to authorities.
EDW
.............-
DllceVERe -
FINAnctAL SERViCES CARll
CARDMEMBER AGREEMENT
Please read this Agreement care/ully betore uIing your Ois:ove~ Card
Ac.::lunl tt contatns ttl! \enn~ ant! c~nditions a1 your Account. some a1
whi;~ may /lave changed fnIm earlier materials provided !e you. In the
e'iem Qf -any l1ifferences, ttJis AOr!ement snail Qntrni.
AGaeE!<T 'ffitMS~ The word. .Acc~une means ~ur Discover caro Ac.
COllr::. ine word ~Ca.rd. means any one or more Discover Cards issued to you
or scme.cr,e ~!sa with your authonzaiion. Tne woros ..../Ou~, "your-, or )ours"
reter ;a. in addition to you. tl'le Cardmember. arrl orner perscn or persons who
are aisa contractually liable under this Agreement The 'Nords .owe", .us" and
"JUr' .'afar to Greenwood Trust Company, the issuer af your Discover Card.
AC:mAHCE OF AGREEMElfT. The use at your ,,,aunt or a Card. byyou or
anyc:;e 'Hi1om you auttlOnze or permit to use yeur Aceount Qr a Card, means
you zcca?t j'Jis AQre~ment
USE OF YOUR ACCOUIIT. Your Account may " 'JSed ior.
. ?<":r.::'zes - to ourc.iase or lease goods or services :rom NOVUSSIol NetworK
mece.~ ~'f pre.senu[\~ your ~ or acccum iiU~Ce.r.
Cash Aavances ~ to obtain cash advances ill NGVUS Cash NetNofk8 auta&
meted. ~iler machines. tram partic:::latinq :1nanc:al institutions or other
tCC!tions. or oy means af checks 'Hi'lic~ 'He 7.liY !umisn to you, all in
ac::::rcance wrti suctt additional terms and. ccnCltions as may be imposed
trci':1 ume to time.
~~~
5GJar.ca 7ransrers - to tr'<>.rtSter baiances tmm aiter credit card accounts 011
means of balance transfer ~uoons or checks, ~n accordance with sucr,
aac;ti.or.al terms and. conditions' of offers that lie maoe !rcm 'iime :0 time.
in acc:Gcn.your Acctlurlt may be usee to gu.ar'4l1ta! hotel rasar/ations at par-
tie:::e::ng es-.abiistlmerns-. Yau wiil be iiabie for ';:.:arantee!l re~aNations that
are C:~~ :ar,celed alior 'to the time SiJecrtleu ~y the ~b\ishr;,eriL
You =.,;~ee :lar '1CU wiil onJy usa :/our Ac::;um 7cr :efScnaL :arr.liy, househoid
ariC :''':Gr.:a:ie ~ur;osas. Your Ac=:;unr may not te :.:5ao 7cr ~usiness or com~
merr::.:l ~urn.ose.s or to antlir. joans to CUlthase. ::i.!\\I or iraae in sacmitieS.
:n ac::tion. 'four ,.\ccount may nor be used tv pay Siy amount you awe under
:.~::;, ,~r~rr;em. Pnor to its use, eac.i ~rn muSi. ':e signee by t'e persen to
wnom :t:5 issued. We are not resaonsible ior:ne ~tusal at anyone to ac~pt
or ':-:CI1OT 3: earn or to acc:eot C.1e"...xs that we l'.ave ,roviaea you. You must
ie!~l7i GJ"'r! Carn or unusao c.,ecxs to us upon reat:es-... .
AUT:~GR1Z:""!J CARD USERS. :fyou 'Hant:o wnca! :he auu''lolized cr ~errnit-
t;!O ':.:.se cf :JOUT Accuum ':;y :mOL1er person. 'lou must noti~I iJS in writing or oy
:!!!e:r:one and aes-.:roy any Cdra in rtlat person's posseSSion.
ME~BERI~]H~NORK
:::ISQi.ICAn.:;'E'/.Z/S6
EXHIBIT
-~- ~
LIABILITY FOR UHAtITHORIZED USE. If a CaT, :5 los, or ''''''. or II you
think ~nat ;omeone is usmg 'leur .\cecum or a Care 'Nlthaut :Iour ~a;r"tss.ion,
notiN us immediately. You can f101i~1 us by te!~chcning 1.aOO-QISCQVER
(~~2.J,i-2663), oroywrml1g DISCOVER CARO,?IJ 3cx \S\~5. Wiimint}iOl1,
DE ~g886- 1002. You may be liacle lor the unaUL:-:or.zsd use or a Cara or your
Ac=unt. You wii! not be liable tor unauthorized :.!se thaI ~c:::.:r3 aii:er you
notifv. us, by phone or in writing, at the loss. thett. or ~ossible unaUlholized
usa.' in any case, your liabHity .,.,iH not exc29d ~a.Go.
CREDIT LIMIT. We will aO'Jise you of your crecn. ~jmit. We iilay inc:ease or
(jec;'elSe your credit limit tram time to time. You agree nor to exceeD or
arl!mot to exceed your credit limit You will e:::ceea yeur c:adlt limit II you
allow your uneaid balance, inc:uding Finance C:-:ar~~s and fees. ~o exceed
your creoit limit Your credit limit wlil not inc:ude ::ie amount of any c:edit
~ca:nYQurAccaunt
PROMISe TO PAY. You agree to pay us in U.S. Ccilal'3 for ail ourc::asas. ::ash
aO'lances ana balance :rcl1srers inc:uding aopiicabie ;:nance Cliarges ana other
c."'.arQe5 or iees. inc:med by you or anyone you =.IfJlorize or permit to use
your Account ora Card, ~en rryou d.o not notify us_:tar oL'iers are using your
~unt or a Caret We 'ftill cat'l'lert purchases arid. casr\ aavanc'es maCe \\I a
foreign currency to U.S. DoHars at a rate. existing cn me date of convers;on. If
'tou nay us in other than U.S. DoHars, we mltf r~se to ac:ept the caymem or
c::-~~e your Account our cost to convert 'lour ~yrnent [Q U.S. Dollars, AU
c:-:ecl<S must be drawn on fUnds on deposit in me u.S.
It'iour Ac::currt is a loim Acc:ur.t. ~ach otyou aqre~ ~o be liable :ncMtiuaUy
ana jointly tar the entire amOUnT awed on your Ac:::tmt We can accapt late
;z'ments or paniai payrnems or checxs and r.::ney ~n::rs marxeo: .~ayment
:n mil" or with any omer restrictive endorsarr:ent .Htnout :osmg ,my at our
riglmi: under this Agreement
MQKffiLY atWNG. ~ATEME.l{'T. We wilt sana 'feu :. ~imng St2t::\l,e.m. atter
eac.": monthly billing periOd in 'Hilic;, you have .:l. :ebit or c~edrr :a!ance at
$1.00 or mare. The cilling statement w1i\ ~hQ'H ail curt~ases, :.:lSil ao.vam:es,
~1Ce t.ransfers. finance CharQes and ort.er c:'.aJ"Ges ar fees ana-;:Jf"pay-
mems or otl1er creaits postea to your Account aUl1lig ~e .oHDnq permo. It will
Sl"'tOW your New Balance. Minimum Payment Due ana ?aymem DU9 Date.
MOHr..,LY ?A'fMEHT OPTIONS. You may ::t ::n:' ::ma :Jay the :mire New
2.a;a.1CE ~~cwn on lour :iilinq ~reme!1t bur ezc:: mont1 :/OU mUSt ~ay at
leas;: rt1e Minimum Payment Due. All payme!1ts i.':us~::e maHed. .Jr ceiivereo i'1-l;i';;-"I';"'i"';r'~
to ~s:n Delaware j,[ PO Box ~i1, Dover. DE iSW3..:011 or by using the
:l1VeJOOe enc:oseo 'Hith suci1 swameflt. All Dayments 'NiB be aopiie!l as [je!er~
mined in our discretion. We reser/e me right to anprtpayments 10 caiancEs
suciec:~o iower Annuai ?ertEntiqe Rates. 3UC:: as sceciaJ rate calance trans~
rern, Jrior to balam:~s .::ubjec t:J higher AnnUal P~!""...am:age Rates.
il1ilN1MUM MONThLY ?A'fME!iT. The Minimum ?1'!rr:ent Jue ~C:1 month
'Mil ~e t.,e sum of anv amount ::ast due and the minimum mcrru'ir{ ~avment.
~e ~mll':ium ,llor:thiv paymem ~ach month 'HiIi:e :::e .;reJ.ter JT S10,.00 or
an amount ecual to 1/48th at ~le New 8alar.ce. ~::Uiicea to ~he :;ex: tdgner
wnole dollar amount. However, if the New 6aianca ~s :ess than $1 a. :~e fmni-
mum montl1ly aa'lmem wlU tie ~ne amount at ::",e New :atanca. '{c;u can cay
ansae. ine Minimum Paymem :Jue for eacn manmiy biiling ~erica 'Hill be
~uceQ bv ihe amount 'lOll nave oaid in excess :1 ~t: ~~in\mum ?1yment Due
in .my of tie three qrevious momhly billing perleCiS. .:ess any :lcliion af the
'1 \ II
~
-
:xc~s: l:m,C'I'.Jsed :0 :"e(.luc3 C3Vmenrs. Howe'ler, ~~erg will be no reduction
:r 'feu :-';;"J~ :xceeced 'leur c;aoit ~'Imlt; or you have .:airi the entire ~lew 3al#
inca ~;:::','In ,~n ~/our ~illing sta!a!T.ent. 'i:lere '.'Jill also ~e no reduction if Jour
.~C::'.l~Ii.:S \'oCt c....:m.m. ;"as ;'.Ot ;e!1erai\~ ~een ~aiC :\'0 an ac.ce?ta.~\e maMer
cr:s .;;:;~;,'Iise :;ot in gena stanaing.
C:1E~\i' 3~UHC~S. We will refund. an'l c:edit balanc3 within se'leli t~usiness
1a:is ;~;m rece::H of'jcur',vrirten request it 'fou do ;,or reauest 3. retund. ','Ie
',l/iil au:mnaiiw.\l'f ianmlj c;ecit .:a\ances greate~ ~'ian ~1.QO 'Nl'1tC;t remain In
leur ,~c:.:unr lrt:!r ~.vo ~illing per-cas.
aAUHC~ iRANS:=E:iS. ','lie may penadic3ily onar ,au '11e opportUnity to
lrms;er :alanc3s :ram O1:t1er credit C:Iro accounts to 'four ,~ccount ~:lch affer
'mil ~:;,~ZH'\ ;'1\ inina\ soec~ai rata, ','lnic.n 'Niil ce 1.\'Ie Annuai ?~ft:3maqe ~ate
':;"iat'.'il:! !:::oiy:,J lr.u1Siama 03.1ancas ;arme time cenco soecWed:n r.1e ottar.
At\:a~ :::~ ~'(clratic.n at :his :tme ~ertcct, the Anr,uai ?~ccamaqe ?'ate that
aOCII~S :~r :;;un::::ases '.vIil acoiv to transferred balances. oaJance transfers
suojec: :0 :na initial soec:aI rare are reterred to 3~ spec:ai rare balance
J'aiis::~s: JaJanca transtars ~ar 'rvl1icJ'1 me initiai :oedal rata has axoirea
:ire rat:!i:!! ~a .as pun:::!ase rat: 'JaJance :ranstars. .
E2.c:: ::tiar ',vIH c::ntain an exoiraticn date. If you art:mc! to tr<.illsfar aaiances
~y 1':':211"i3 .:)f a c::eck attar to'1e excirarton dare, '.Ve 'Mil ~~at ~'1e tr<Uisadon as
J. ~i'l aavanC2. We wril not make balan~ !ranstem arrempted by means of a
:::uoon ::rter :.'1e ~xoiration aata. .
?SIOOlC RHAHCE CHARGES. :.~ce~tas axojain~ :elOw, ?enocic Snanca
C:-:&1;3S am imoosaa on q.urc.,asas. WSit adVaCtcesano. aaianca tr"~sters. fram
:,he aar~ me trcllsadon ccc:.:rs to the date of reoavmenL !tthe :ransac:cn is
;CSi.2C :c '!our ,1~:Junt attar:tie c:osa at t'1a oillinq ~em:ld :n wnic:! .it CCC:Jrs,
we .'.Yl11 :ie.1t::1e :ransac:cn as havmg ac:::mea on :.+1e first Clay elf ::ne ':lIllinq
;er.:o::1 'Nnich it:s ~csted!a your Ae::::urlt We ',VliI assess Piriccic .=inance
C~;U;as ~ faiiows:
~..,..;
I
(11 ':;.;,ranr3iiiinq P':!r.C"\1
,=-:r:acic ~nance C~ar~es ill imposed ror :r.a ::Jrrem :::ilinq :::er.cd an
-:U,:::':USS. .-;is.<i :lCl\'ar.cas ana caiance :r&.st2~ ~mes.s 'IOU ':aia. ':"1 ::ie
~wmem C:.:e 0ate. :na New Balance shown an :leur ;rn'/ious ~jiling s~:ta-
;7'ie!':t.. '~e Gomoute ?~rtcaic ;=inanc~ Cl1argas :.1c:t c.ay :y inUltimying
:'cl.:r :ailV ~aIatlcaS Jf :Jurc::ases, ::sh 30"/aflCZS ana :aJ3.m:e :..ansta!'S.
;'f :,~a !~o:jC::::le CaiY'P':!!1ca:c ?atas. :Jr:l'I si:ac:<ll rate ~:3.lar:ce ~"a!1S'
::!:) .1f: :r.c::.:cec in :1';8 aSliy ~a12.!1Ce Of :aance :~r.s7ers: :urc::ase :-ate
:;:,,,i:CZ '4c.,S;,:r:.: .lie :r,c::.:caa :n ::::: .:;iJi" :~ia;"'::a r;f ::l!i\::::!sas. ,:..r :":2
::!:c .;t~e.:imng ;erma. ','Ie :!cc llC G':e reSUlts .:t~r:ese '~aljy r:::c:..;:aticns
:J ,:a!effi1me your ::I~ricaic ~nanc~ Cliarges :Gr :::a ciiling :::er:cc.
:.:: ::..:rc.R.asa5. :-:e caitv :aiiU,ca is cic:.:iateO'::1 ~:': ':.~:"/;j~ acc:ng ::':a
":::C'.'Ilr.g :iJ 7.e pre'ilCUs ::a-rs calN :a1a1lca: :U:i::-..1Sas ';-naca :':at c:a:v, :Je5:
':::aii;o:l 7:4[ ~21 i-"'iim 1:e ':x~Dtcn 1t ~rnn~-:::1 ~e. ~(1ar:C3 ,::-;ar;:eSl
"!:""!c ,"o:r:oo:c .-:rm:~ '::-;arGes c:-:an;ea an :ne :~!tOUS i}:;:/S 2i'l :aianca;
:.::: ::: 7::n :;umr-..c:.l'i~ mr ::"aOlts ~in ~a'1m~.~ :.;jar. zuo :1:c:~:ec 1C-ai.r.St
::': ':zall~ '~r curc:-.asas ;.,a Jurc:-:ilSa rare CaIanC3 [;aI1s7ar5 -:r; 7:a~ c~",
':,1 '::e d~ -:ZJ crC::a .:tllinq ~=!:ca ,,'ll! ~Q ~aa :: ::a ::aranc':! ~::sa :atar.c:a
::~isrcrs :.Iat :ec~:;:a ourc::JSe rate :aJanca O'Slisrars. ::n jjat :Z!'
:':r :::.S;; 1ii':al1ces. te Cali'l Jalal1Ca '.5 caiC'~~ai.:;~ cn ~ac~ ~a\J ':'1 i~l'Si.
lCC;r.q, :''1: :cllo~vmg :a :ne jre~cus ,~a'(s Caliy :aiance: ;.1Sn .1a';,;mcas
.:a~e~~<it,:z.,,~ icJ1S~CJ.~n <~e r~.,ance t..~arr,as::r ::lSn ;ra'iaricaS mac,a
_.a~ _~'!, lna ,"'o:r::::mc .-:naflca ",:-'an;es :~ar~ac ,In ~i: ::;re'/lQUS :ay s
,.
\
caliy iJaJance; ::no:y jJefl subtrac:ing any ';:~Cit:: ;'iid ~a:ui';::'.iS :jar are, t'
::ClCliea J.garnS!:te oaiar.c~ ot cash atl'J2ncas -::'i '.r,ar cay. 1
~'Jr .:alEnce !WliS;ars, ~~a daiiy balance is C2Ji::.::a1~1 en :2-::: :r./ :.,.flr~
adGing :ne :CllC\'II.r:9!a t~a 0'e'Jious ~cay's r:auy :;a!2i:CZ: :ai2i:c:. :.:nt.a::s
.-naGe ma!cay ana ~~':!ncall:: ;-o:nanca l.hargas ,::::~;:a ~n ;t;: ::.:'::C:;5 ~ay:)
~2ii~ ::;a\ar,c~: ::nc ::'} :r.an 5ubtrc:tC"Jr,q !r,'! c~;':;G ind ::a'}\\',~r:.! 7.at a~a
acmiea agamst !J'1e ~a!ar.ce at balance ::rar.st::r:: :iii j,'iat :'2:1. :;; :.":e iil'St
<1aY '1f G.'1e. cummt :iilir.q ~erioa we also $u:::trac: :~':::m ,1':e' :aia.-:::: u'mse
balance transfers mat :er~me purc;nasa rara r:.a!ar.ce tr<1lis;eG ,::1 :;ar day.
i,'2.) ?;e'lious SilUl'1q ?~dGd
?~r:odic finance C:-:arges are imposed fer :~: :re':ious ':iilir.q .::!:cd on
IJr~:'IiQus "umii'lQ perico. 'JUrCOlases, C:lsn aCN'ancZS ~11i :aiar.c:. ::'!n$ers
umess ,:l~!1caic ,::::nance C:1arges were :llreac'l :m~csaa :cr '.-::at :illing
~e.rco.. o,r'fQU ?aia u"1e ~la'U 8aia.nca sM,,,,n en 'fe!.:r ~re'/ious t.iiiii':g 3.l:ate-
,T'ient"Jy me Plyment Due Date. fa c:Jmaut:! :,::2sa C:lar;es. Ne. '~sa ~"a
same memea at dc::lanon that '.ve usa :0 carc::iating ti:a ?::.cdic Fi-
:J3,nca Ci'tar~es tar :''le c:Jrrent billing ~erica. is ::lesc;-:can aca'l~. ::tcept
:''lar :.~e J,ooliC3cle OJllv ?~riodic Rates aP- lc:::ea to .1alrl :a:allC2S at
~urcnasas, ,;ash aG'iaoeas and balance transters :cr e.!C~ c'irf -:t:he pre-
'/icus cliling peneo. ihese daily balances aP- :Use c::::mout:1 as .:~nbed
aOC'Je. '.'lIth iJ'1e ~;rn':lCus day's daily '::alaI'ir.e'.:cnsida!eil:u :':;::le !Jeen
;:gro on j'1e first day aT :~~a billing perioo.
(31 iJaiiy Periocic Ratas anQ Annual ?erqmage ~.a1es
Tile Caiiv ,:l'!rioaic ,:::aras aaplicable to OUlt~asas am! wsn aa"t.il1C2S far
tl1e c:.:rrem billing ~errod ana ti,e previous 'ciilir.g .carioa iU"a casCli en t.'1e
,~rmuai Po:rcant!ge ~ate :n affec: for :3C:I :iilfr:q: ::eriCd :s ::r:rmined
~e!Qw., ~na Daily ~~~OniC .Rates ;a~ aaC':l 'Cj\.~i~q ;en~o aT! ':/~S::"j'; o~ the
,.,nnual P~~r.:rai;e r-;ates ill artec: !or ~e :Illmq ;a!1~(!. I i':: ,1.I:;:U~ :"er~
,~anu.qe ;-"are. :ar ~urc:;ases may ae c:-:anr;ac :asau -:i) ':~u,;:s \1'1 u1e
rara :e'lei far wnic:'li'ou :uaJif'!, as axciamec ':e~a'...,.
ii1e ,!,nm.llU ?~am:aye ?:ale5 are 'iiatem-.(r..w ;;l :"i".. ':.'1 :~e j:-;~a Rata.
~'Jr ::.:rcoses JT :.~is ,:'creemenr. the ?r:me ?l~ :s :::e :.IC:':as\: ;-arn ot
;merest ~is~'l as. :':e ":nme rare" :n ~ae mane'! .~s iae:.cn ,:t ~,~ WaU
~t;~=f .;m.:rn':ll ,In :na :ast cusmess ca'l af :~e <7:cnL1. 'Nhen::e ,:l1me
Rm c:':a.1l;,es. ::~e ,~i1IiUa! ;~o:rc~maga ?:aI:s '.'IIi! c::anga ::~!r.:::::g on u'1e
0l'S! ::.~ or :ne ~r:ir ::iling 2~noa..:..mic~ :~:r:~ :~ tr,e '?=er.~ :noml1
::l!cw!I1g :~e ~;,:~ge!r. :ne l"rlme :-.ate~ :~c~:a!:~~;,11 :ne ;,,:"::7:e ""~ta may
';~~.~~;te :~~~I~~~~~;~;~:~~~a~~~;~~Ca~IC~~'~~~:~~'~;~=~ ;;~~~~~~~
;"'y :r:.1:3.'( ;na ::cas ;"ct :~rasanFiie ;'J':lI~s~:r ::s.: ',m~reSL.::':;?jQiiQCia
:0 a ::d!7:',ver lt '3.J.;Y carticuiar bank at ~""I';;';~!': ::ITie.
-. ::'roTIuai ::~r~an:a,;e ~,al= :cr jl~~::ases
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','Ie ~av :,a'le ~f.:r5'J ':au an :nr...cat:c::;-; -:m an ::.:r::::;,s:s, ! 11e
'm...:::::.:c;::;'": ,....m: ;$ ::ie r1;:::en AnnUal ?o:r:~r:::~a ~::!: :'::a! '.'11\\ am:1'!
:J :t:rc::aS2S ;::r :r:e ::ma aenaO 3cec:::ec ::; ::-:3: ':77~r. ~;:~: :~c;rc-
::c~ :: :':",\5 ::;r.~ :sncc. ~he Annual ?~!"':E:::!':;: -=a.:a '::;; :'..:r-::-:asas
,',Ilii ':~::s ::sc:-::aa "JelOw.
~~e :;-:r:~ .!..nnUal ~~!tEr'.':ag: :;at~ ~~'1~1S. :cr :'..:r::,a3?:s ::..:-: ::5 3~~,Qar~
:=tar:. :i1e 3et!:r ,:,ara jiiO :ne 3esr ;~a.tc, 7:~a~: ::'Ie! ':r ',';r.:c:: ':ou
.:1'.laltrr ~s ':asac. .~n G.~a :cul :;,moum 1! :U~:-2Sas. '.:'W.! ':'C!'! 7.::':<; c.t:imq
~i1 j;;~Ual :e1":OO. 1S ,:xOlainea below. ,='l:C;:ZS:S '.'In.C:1 ,;:;:;::csa ,rilS
a.ir:t:aJ ~C~l are sometimes ~eierraa :0 ,!5 ::.:a;ii:ec :~rc::asas. )./e ma.\(e
:ar::!ll1 l;:cr::cr.at:! !C;USmlems ~a -.1uaiif:ac :urc::aS:5: ~ ':saec: Jt
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Ac::~~nt ac.:ivlb{ (e,g..a c~adtt tSZued :cr iretlHi:ad 9urchasa). YOU wit!
aual!rj far. the Stancaid. Rata IT :atz! ,~uaJiiled ':Jurthases are less than
S5GO.GO, the Setter Rata rttota1 CUalWeo. ~urc~ases are S500,00 Of more
but~esS :nan SiDDa.QQ. and 1M :.es! ?ate it lotal QUalified purchases are
SIOCO.OOarma".
. Yeu 'mil qualif./ lor and f!"...llrle tl'le :.es:_Rate until your first Anniversary
D~te,_subiect to .d!squaim.C31io~. We rererto!he dare that is the last-day
. at the t'Nel~h tnlllnq .ae.'1Cd atter your Account 'Has aoened~ and each. .
., annual anmversary or that d4ta. :!S 'fOUf ;.nnivernary Date. On each Anni.
'Je~..ar'j Date. we will determine 'lour ii"~ !e'lel casel! on tatal qualified
purc~as for tl'le precEning 12 Smlng ;erioos. The rate level wiil apply
to PUrc:13Sas (including the o~aing purchase baiance). beqinning on
the ~ext day, SUO(ect ~o ctisGualir,wticn. You nill lIot tIe eligible far the
~ert=!, ~.ate or!O~ Sas! ~ate if Crt your ,-V:i1Ivel!a.'Y Date you have failed
,0 maKe the MInimum l"':lYmem Cue :y t:':e Plymertt Due Date for two
consacwJe billing perices.
If at any ti~e you faii to make the Minimum P1Yment Due by me Payment
Que Qata iOrtwo cnnsat"..we bming per,c.QS. 'Jou'Hili be i:1isoualified from
,tile aetter Rate orttte SestRata 1110 'He 'Mil C:13I'lgayour rata level to the
Sianeare RaJe. The Sianoard P~.. Wlil aoP!y to pUI)::laSes (i~c!~9inq the
c~l4I1dlng purc:lasa ::aianCS) from ttle ~rst dit at the second billing
. paned in' 'Nnld1 you faiied to maxe ~e Minimum ?aymenrQue by tt1e
?aymant Due .D~ Urr'..i 'Jour nm Annivmar} Data. " '..,
if your Account is c:csaa. the La"~ :eYei (~ is. ila stlndafci Frate. the
aEt..:r ~ta or '<he Sest Ra"iS\ in ~tfec:::~ tria ~ata 'lour .;c..--num is c10sed
WIll ancl'{~lttil your ~unt;s ~!(i in iuil. suojecr to aisqualiffcation as
. Set7qrttuDove. _ .:.~"" '-. .." ,,.. "~.
The Strndari:! _Rate is an ANNUAL ?SC2lTAG{?ATE at (a) 19.80/0' :Nhen
"trle Pr.me Rate is Jower'tan 10.g~3. me (b) Prime Rate alus 3.9 a6reerrt-
age ooims. when the ?"tme Rate 1s 1 O.~~ or morn. The' Better Rate IS an
fUNUAL ?E.qC~AGE?ATE or Prime Rare alus iO.9 nercarrtage points.
aut iia'ler -~XCla2,1Jli1.q me Slar.Coara i=~.a. \he Se;t Rata is an ANNUAL
PS~C::NTAGE AAiE at Prime Rata ~lUs d.9 cettantlge ooints.. The Set.
terand Best Rat,es have]. mlOtmUm ,:1 12.9%. t:1.e Oaiiy P~riooicoRates
:mc: ~orresponatn9 :~i'1nual ?~it~n~,;a ;:;:a:res ;n affecr en the date this
.~9r2emer.r is fUffiISr.2C :0 you 1ia !;l ::i1:1I11 :1ie ~nc~ased "Additianai
~ls::::csure'~or CliO '::'"7:ar.
(5) Annual ?~lternage K.i".afar Cas~ Ad','a.':ca5 '\~ '.~ ...
Tr:e }JUtUAL ?ECerr;"'Gf?A~ :~r::z.s:i aCo'rcl".cas ;,5 {ai 19.o~'Q''Hnen
me P:-:me Rare is lower::an 10.9%. ZliQ I oi ?:ime fl..11a mus 3.9 percent.
at;e ooints. 'linen the ?~me Hate is ; O:;~, Jr mern. The Daily P~riocic
Rata ana ccrrasoonc.il'lq AnnUal ?~lt"'..m=:ce ?iata in enact an tl'Ie date mis
A9reemem.:s iumis;;ea :u 'IOU are s<;"'! ::Jrw :<1 :ne enc:osed "Additicr.al
\)\S\.:csure'~ or C<lfQ Wli".er. 0
(6) Annu~ P""nrag, "";a 'or Balan" ~""sters
r;.,e :~r,! ?erioaic ::'a!e me ::Jrras::cnaing ~.nnual ?ercznrage Rate in
etfec: ;ar scac:.3J rata Calancz :::i.jsfa~ ',;,iii ::e set rorl.h in ~e offer from
us :Jnaar wnich 'fCU make T.2 ':41aiica T'~star. ,~lndicated in the
8alance_ Transfers Sec:onJ.cove, :ult:-.ase r!te calance tr"dlsfers wiirbe
suciec: to the Oaiiy ?~rioaic ;1at; 3.no: c::rm:ocna:nq Annuai P~rcentil.ge
Rata :~a~ ~~p~ lO DUrt::.ases. ',t you _~ac~IVed an otter prior to jour
re'"~m{:JT lI'1IS ,..,greemem. :ue Q.ili'/ P~r.ooic Rates :ma Anl'IuaJ P~rt'ent.
1ge ,'::ates :n ertec: cn ~e cat::! :tis Aqraemem is :umisnea ~a 'IOU are set
~OI1.i ill !tie ~nc:osea ~_~dditionaI Cisc:~stlra' creara CJmer. .
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TRAH.SACTlON FEE rlNANC; CHARGES. We will charGe you a iransaction
Fee nnanca Char~e af 2.5% Jf :~e amount of each new cash advance. Tnera
is J. minimum irar:s:ac::on Fee ~iNANC:: CHARGE ot $2.'JO and no maximum
Transaction ree fitlAac'C: C:-\A?Gc.. The \moesition ut \rr:lfiSaCnOii ~e n-
nanca C~arges may ,result in an Annual ?ercem:aqe Rate tor c:lSh advancas
that lS hiqner tI1an me nominal A.1nual ?ercentaqe Rare. All forms of cash
advancas. inc!uoing t..'ie usa of Discover Card checks. r;garnless at the pur.
pose lor which used. are subject to Transaction Fee Finance C~arges. io
obtain tl'Ie total 'Hnanca CMrge on cash advances ior eacn billing peried. 'He
add any Transaction ~ee Fina.,,1ce Charges lor the biliing ~eriod charged under
this section to any ,Jencdic ,:;nance C~arges calculated, tlnGer ~e Periooic
Finance Charges $ac'.:on aoo'le.
MINIMUM PERIOOIC FINANCE CHAAGE. We will charge you a minimum
Periooic FiNANCE C:~ARGE of $.5Q for any billing period 1n which some Peri.
odic FiNANCE CHARGE at :ess u1an $.:0 would otherNisa be imposad.
REiURHEO CHECK 1'::. W. wiil 'haIlle you a Returned Check Foe ai 515.00
eac.1 time you pay :IS with a chec~ t1at is returned uncaid. This fee 'Niil also
acpty if a debit ir<1lis;lC~On to a dS?osit actount lrnm '~ic~ you ha'Ja autho.
nzea us in writing to certocicaliy deduct all ora part of an arnount you QwellS
under ttlis Agreemem is remmed unpaid.
UTE FEE. We wiil charge you a Lire Fee at SZO.OO if 'fou fail to make i
required payment within ZQ cays artar me Payment Due Data in 3!rf mcnttt.
RESEARCH Ft:E. ?/e :nay ci'.arge you a Researt.1 Fte of SS.GO for each copy
ot a ~illing staremem: or saies slip jJat you request However. 'He 'NUl not
charGe a rae if you ;aQuest cooies in c~r.nection with a bi1fing arror.
OVSLlMlT FE. We wlil c~arge you an Overiimit ~ at SiS.OO for ezc.,
billing period in wi11c:1 you ~xcaea your credit limit. fnls tee rr.ay oe, cnargeti
even rf the tr.illsacticn wolen c:l.uses 'IOU to exceen your credit limit is a!.'tl'lc~
~~ cy I..IS Gr it flU ~xc..~a 'jQur c:ault Umlt due to tt'..e ~Q-Stinq af nnanca
cnarqas or fees ~o Jour Ac:::mnt
OEFAULT~QLlEt.."'TIaH. COSiS~ '{ouarf;! in detauitifvou become !nsalvem.:f
you file a aanKruCtc'! petitian or have one med againSt you. ,~r IT you fail to
comply with ~he rer:7lS uT :t1is AGRement lncjuding taiiinq:o make a_rea!.:ired
payment wnen ~;;a ':r ~xca=cir:g your craon limit It'jOU m in delamt anuotle
rstar ttle ccilec~cr. at :/Qur ,;c::::.:m:o an attorne,!, we !nay c:Jarqa you raa.
sanaale :ntcrneys" 7;:1S ana c::~rt !::r orner cOllec::ion costS as permittee ~'!
law and as actually incurrea j'f us.
~:'NCE.L\T10N. "C~ may c;mcal your Ac::::urrt bv :'lour/ing lIs:n writing ar
a'f te!eonone ana ~~t:.lmmg G; aesrIlJyiog e~/ery_ Carn ana unusea c::ec.'{ mar
we ,1aVe orcvraeo ::OU. ct ;::ursa. JOU 'Nlll stIli ~a rasconslble to pay any
amount JOU owe ::5 ac::::ming to ,tie terms 01 ~nis Mreement. It 'ftlur
,.l.c::curn is a iaim )..cccunt =aC:I ot 'fOU may C3flcai your Account We may
G:lI1cet or .iU5~~na -!cur ,.l..~CUl1! at aIr{ time witlcU! notice. We may alSO
Qec~are the ;mir~ :JaJanca at your Account lmmea!arc!y due and payaaie
'N11:t':our :1orica: :f':c~ are in c.at:!Ult :f'.ve have a reasooanla beliefthat1fou are
~r.ac\e cr unwliling ,J m:ay your ~oiig;nions to us. j 'ltlU are insmveni. il'ltlu
nla 3. oanKruorC'! ~enticn cr :lave cne ~ied againsryou elr JYou oie. "'-Ie may
enaase not to renew 'lour .:'.cc::unt (beyona ~'ie exclranon aate snown on ilie
face afaCara) withaUI;ionca.
PRIVACY. We may :nvesngar.e 'jour credit employment and income reccrt::s
ana '/elify your :~acit .-:fere!'1cas. We aiso may reaortto c:~it re~orjng: agen-
c:es ana OL'1er :rzC!tcrs :~e status ;!.M paymem histci'/ at 'jour Account :n-
~:uoi1'\'g iie_ga,\i'le ;::aa\t ili!ore'.ano1'\o . Ne normaity r~on ~o such c~u\t r'alJ,Cli..
!ng :i.qencH:s ailC:: ,,,onth. 'Ne 'Nlil :1ot release dlis :ntormatiofl aDout your
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Account to any OLh~r parc'l 'Nithout 'lour pr:Ci written permission .:r :e~~! ara. J
c-ass. HO'i'Ie'Jer, it you are in uefault. you '/lCla19 ltle terms at ill'iS t..greement
oryou file a bankruptcy petition or have a'na med against you. 'He may release
iniorm.ation abOut your Account to third carJes who may assist us in enfol'Cw
~ ing'our rights under il1is Agreement. We may also include your name and
address and otheridentlfying information on lists of Cardmembers furnished
to tt1mpanies se\liI'19 prOOuC'.s or services that may be at .1I11eraSt to you. Our
superllsory personnel may listen to or raccrd. telephcna. calls between you
and our representatives in order to evaiuate the quality of our sarlic.a to aur
Cardmembers ..ithoutnotice to you.. We rr.ay use automated leleohone eouip-
ment 9r prerecorded lelephone c31ls 10 ccntact yoa aoa,!! your.Ac:::Junt
CREDIT AUTHORIZATIONS. Certain pu",e.ases andcas~ ad'r.nces ..ill reo
quire our autl1oriz:!lion pnorto comoleiion ai Ille tr:uJsaction.-ln some cases,
10U may be as\<ell \0 provide idenIi1lca1ion. It our authortzliion "i'tam is not
..ooona; ..e may not be allie to authorize a ir.nsac:ion. We 'NUl not be liable
10 you ~ any oj Illese events happen.
CHAlIGE OF raMS. \Ill may'hanae any term or paltoj this Agreement,
induding any UG,," 'hal1l" rate, fee or method of computing any balan,e
qpan Wbidlllle fioan," d1al1le rate is asses::ed;-'y :ending yoa a written
naU," a\least 30 days beforelhe 'hange is to ,!Come enecli.e,. \Ill may
soar, .ny S1I'~ ~'range I.. the autslanlii.g. balance of your At.-aunt on the
,nectiYe aate of llIe ~'anae and t. new cilarI;~!Jlade aiterthat date. ilyou
ao ,ot agree ta llIe .,anae, yau musl nctily \IS in writinq lIitlIin 30 aays
liter !lie maillog ,j Ill. noU," oj ,lIang. .. lhe. addre= plO'lided ill the
,oti" 01 ,hang., In will," """ 'your Ac:::ull! will be' doSed aod you must
aa'f lIS ille bala.", \!lat you Il\Ifll \IS under the !listing terlll$ 01 ille un-
,hanged Aqreemeoe 1l1!IelWl.., you willllaYe agreed to the ClIanq.. ill the
,aUco. Use of YOOT Ac:::unt ailer the eUecti'<. _ oj.lhe ciI3llge will he
deemed a""'piao,e oJ the new tenTl$ as ,t ..'h eUectiYe dat., !YOn II you
pmfollSiy notlfied os that you did nat agree.!o the ohalig.. . .
Co'!AHGE OF ADDRESS. If you ~iatiae your'ddrek 10~ muSt ,iotify us of
yournewaddresswrthin15days.....,. .~.:; '..~'" ':.:'
.lS310HMElT OF .CCOUllT. We may sell. ~nortrnnsieryour A<e::unt or
my portion ttler~witl1out ~o~. to you. y~~ may n~tsatl. assiqn. ar~~ar
'1Qur ~um 'irltt\aut nrnt. antaimnq,cur ;.r..cf",'Hftttan.ccnsent.
GOVERNING UW. This Aareemeat 'Oil( i.. governed by liie law: of the
S""atl! ot Oelaware and aUDHC3ate fea.e:rat ta'ft. - tf an".f (lar! m tt\(s. Agree--
mem ~~m~ unento~!e. [will nUt make. mt ather palf~nernort'e:1ble.
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Greenwood Trust C.Jrilcanv
OISCO'lEl ~O .' ,..
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6011 0029 2010 4171 CARDMEMBER STATEMENT 10:58:2p
LOUTHIAN,MICHELLE LEE/MISS CLOSING DATE: 11/20/99
VIEW DATE: 11 / 99
CREDIT LIMIT: 9000 PAYMENT DUE DATE: 12/15/99 PREVIOUS BALANCE:
CREDIT AVAIL: 0 MIN PAYMENT DUE: 1592.00 PAYMENTS/CREDITS: -
AMOUNT PAST DUE: 1385.00 PURCHASES/MISC: +
MULTIPLE STATEMENTS CASH ADVANCES: +
BALANCE TRANSFERS +
FINANCE CHARGES: +
NEW BALANCE: =
OTHER/MISCELLANEOUS
11/20 LATE FEE
11/20 OVERLIMIT FEE
..' "
12/10/99
9705.44
0.00-
58.00
0.00
0.00
166.15
9929.59
29.00
29.00
F9-PREV F10-NEXT F11-VIEW DETAIL
MSG: LAST PAGE OF THE STATEMENT
F5-CBB F6-FC
F13-MSG F14-ADJ F15-REPRINT
EXHIBIT "B"
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ATTORNEY: STOCK
6011002920104171
BALANCE:
CARDMEMBER(S) :
$9929.59
MICHELLE LEE LOUTH IAN
STATE OF OHIO
COUNTY OF FRANKIN
Julie Mathews, personally appeared before me, this day and after being duly
sworn, according to law, upon her oath and says:
THAT she is the Legal Representative for DISCOVER FINANCIAL SERVICES, INC., an a
GREENWOOD TRUST COMPANY, a corporation duly organized and existing under
and by virtue of the laws of the State of: Delaware.
THAT their capacity as Legal Representative Affiant has control over and access
to all records regarding the account of this debtor; further that the Affiant
has personally inspected said account and statements regarding the balance due
on said account. These Records are kept in the normal course of business.
THAT the undersigned Affiant being duly sworn deposes and says that there has
not been a knowing violation of the State Consumer and Credit Laws regarding
this transaction.
THAT the annexed statement of account, in favor of GREENWOOD TRUST COMPANY, is
a true and correct statement and there is now due and owing to GREENWOOD TRUST
COMPANY, the sum over and above all legal set-offs. 'Attached' hereto as
exhibit A is a copy of the terms of the account which we forwarded with the
charge card to the Cardmember(s).
THAT to the best of Affiant's knowledge and belief the defendant is employed in
civilan life and by reason thereof is not engaged in the military service of the
United States and is a resident of the State and of the Country in which this
action has been filed.
THAT this affidavit is made on the basis of Affiant's personal knowledge and in
support of Plaintiff's suit on account against said Debtor.
Andrea Scott
NOTARY PUBLIC, STATE OF OHIO
MY COMMISSION EXPIRES 10-19-04
~..;.. 7) )~.i l
Affiant
v
Sworn and Subscribed before me
this 13TH day of DECEMBER, 1999
OM0 li ,~D H-
~N TARY
EXHIBIT "e"
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EDWARD STOCK, ESQUIRE
I.D.#13657
18th Floor
1608 Walnut Street
Philadelphia, Pa. 19103
(215) 893-9322
Attorney for Plaintiff
GREENWOOD TRUST COMPANY BY
ITS AGENT DISCOVER FINANCIAL
SERVI CES, INC.
P.O. Box 6011
Dover, DE 19903-6011
Plaintiff
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL ACTION-LAW
vs.
MICHELLE L. LOUTHIAN
32 E. Keller Street
Mechanicsburg, PA 17055
Defendant(s)
NO. 2000-01228
PRAECIPE FOR DEFAULT JUDGMENT
TO THE PROTHONOTARY:
Enter Judgment by Default in favor of the
Plaintiff, Greenwood Trust Company by its agent
Discover Financial Services, Inc., and against the
Defendant(s), Michelle L. Louthian, for failure to
Answer the civil Action Complaint. Assess Plaintiff's
damages in the sum of $11,419.03
prayer o~~~omPlaint.
DATE:.-I-;: 00
I hereby assess damages in the sum of $11,419.03
in favor of the Plaintiff, Greenwood Trust Company by
its agent Discover Financial Services, Inc., and
against the Defendant(s), Michelle L. Louthian, as
above.
DATE: ~f(jlloo
... -
-
AFFIDAVIT OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF PHILADELPHIA:
EDWARD STOCK, ESQUIRE being duly sworn according to law,
deposes and says:
(a) That the Defendant(s) is/are not in the Military or
Naval Service of the United States or its Allies, or otherwise
within the provisions of the Soldiers' and Sailors' Civil Relief
Act of Congress of 1940 as amended;
(b) That Defendant Michelle L. Louthian, is approximately
40 years of age, resides at 32 E. Keller Street, Mechanicsburg,
PA 17055, and is self-employed.
(c) That Defendant , is
approximately years of age, resides at
, and is a housewife.
Affiant has ascertained the foregoing information by
personal investigation and makes this Affidavit in due authority,
and he understands that the statements herein are made subject to
the penalties of 18 Pa. C.S. Sec. 4904, relating to unsworn
falsification to authorities.
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GREENWOOD TRUST COMPANY BY ITS
AGENT DISCOVER FINANCIAL
SERVICES, INC.
Plaintiff
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL ACTION-LAW
vs.
MICHELLE L. LOUTH IAN
Defendant(s)
NO. 2000 - 01228
CERTIFICATION UNDER PA. R.C.P. 237.1
EDWARD STOCK, ESQUIRE, Attorney for Plaintiff,
Greenwood Trust Company by its agent Discover Financial
Services, Inc., certifies that he sent a copy of the
attached Notice on April 14, 2000 by regular mail, to
the Defendant(s) at the address at which the
Defendant(s) was/were served with a copy of the
Complaint by the Office of the Sheriff as indicated by
the court records.
,.-.-
DATE:~
._~
..... ~ . 'V
~.- .
GREENWOOD TRUST COMPANY BY ITS AGENT
DISCOVER FINANCIAL SERVICES, INC.
Plainti ff
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
vs.
MICHELLE L. LOUTHIAN
Defendant(s)
NO. 2000-01228
TO: Michelle L. Louthian
32 E. Keller Street
Mechanicsburg, PA 17055
DATE:
April 14, 2000
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION
REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN 10 DAYS
FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST
YOU WITHOUT A HEARING AND YOU MAY LOST YOUR PROPERTY OR
OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER
AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE,
GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE
YOU CAN GET LEGAL HELP:
LAWYER REFERENCE SERVICES
Thomas E. Cheffins, Court Administrator
One Courthouse Square, 4th Floor
Carlisle, PA 17013
(717) 240-6200
AVISO IMPORTANTE
USTED ESTA EN REBELDIA PORQUE HA FALLADO EN TOMAS LA ACCTlON
EXIGIDA DE SU PARTE EN ESTE CASO. A MENOS DE QUE USED ACTUE
DENTRO DE DIEZ DIAS DE LA FECHA. SE ESTE AVISO, SE PUEDE REGISTRAR
EN SENTENCIA CONTRA USED, SIN EL BENEFICIO DE UNA AUDIENCIA
Y PUEDE PERDER SU PROPOEDAD 0 OTROS DERECHOS IMPORTANTES.
USTED DEBE LLEVAR AVISO A UN ABOGADO ENSEGUIDA. Sl USED NO
TlENE UN ABOGADO Y NO PUEDE PAGAR POR LOS SERVICIOS DE UN
ABAGADO, DEBE COMUNICARSE CON LA SIGUIENTE OFICINA PARA
AVERIGUAR DON DE PUEDE OBTENER AYUDA LEGAL:
SERVICIO DE "'EFERENCIA LEGAL
.
Thomas E. Cheffins, Court Administrator
One Courthouse Square, 4th Floor
Carlisle, PA 17013
(717) 240-6200
EDWARD STOCK,
18th Floor
1608 Walnut Street
Philadelphia, Pa. 19103
(215) 893-9322
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