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Home My WebLink About00-01265 , I' [! :1 VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIRST SELECT CORPORATION / ~ Plaintiff ~dhHJ ~ flfe;j VS. JOHN SHILLINGS FORD Defendant NO. NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or obj ections to the claims set forth against you. You are warned that if you fail 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 other claims or relief requested by the Plaintiff. You may lose 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 FIND OUT WHERE YOU CAN GET LEGAL HELP. COURT ADMINISTRATOR 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET, P.O. BOX 1779 DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY COURT OF COMMON PLEAS FIRST SELECT CORPORATION 5040 JOHNSON DRIVE PLEASANTON, CA 94566 PLAINTIFF VS JOHN SHILLINGS FORD 29 CENTRAL BLVD CAMP HILL, PA 17011-4210 DEFENDANT NO. ,2, {)-(}V ~ J de.$' (!.wd ~ CIVIL ACTION 1. FIRST SELECT CORPORATION, an organization domiciled at 5040 JOHNSON DRIVE, PLEASANTON, CA 94566, ,and existing under the laws of the United States of America, is the owner of a credit account opened at the request of the Defendant. 2. The Defendant is JOHN SHILLINGSFORD, an individual who resides at 29 CENTRAL BLVD, CAMP HILL, PA 17011-4210. 3. The Defendant is indebted to Plaintiff on the credit account by virtue of charges or cash advances incurred by the Defendant or authorized by the Defendant on a credit card or line of credit owned by the Plaintiff bearing account number 4168100005508930. '~^"_'!I"" ,-:-,~_" r_ ,-c.';~, '<' ~__'''__~' - , , 1--';' 4. The terms of said account are stated in the documentation attached hereto as Exhibit "A." 5. The Defendant has failed to pay the amount owed in accordance with the account agreement and has failed to pay the outstanding debt as agreed. 6. The Defendant is indebted to the plaintiff in the amount of $2,411.71 as of 12/16/1999, plus pre-judgment contractual interest at the rate of 8.00% per annum, less payments made. 7. In accordance with the documentation attached as Exhibit "A," Plaintiff is entitled to reasonable attorney's fees, and Plaintiff will incur attorney's fees in the amount of $482.34. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, FIRST SELECT CORPORATION, and against the Defendant in the amount of $2,411.71, plus pre-judgment interest at the contractual rate of 8.00% per annum from 12/16/1999 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $482.34, less payments made, plus costs and any other such relief as this Court deems reasonable and just. COUNT II 8. Plaintiff hereby incorporates paragraphs 1 through 7 above as though set forth in full. 9. The Defendant received a monetary benefit, which was in fact appreciated by the Defendant. 10. The Defendant accepted the benefits. 11. By virtue of the circumstances surrounding the request for funds made, the Defendant knowingly requested the funds at issue and/or knowingly and voluntarily accepted the benefits bestowed. ~-" --~, ",,"" "_-"__'y,,__-,",.,.,.o~-:-,' -" ".,.,.-<<.. "",,, ,~- '~--"'--,--r,,' '~"~',~ ,-' ,,,-.. "-" - 12. It would be inequitable for this Court to allow the Defendant to retain the benefits of the funds or to be unjustly enriched at the expense of the Plaintiff or allow the Defendant to retain the value of the funds at issue without repaying the plaintiff the value of same. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, FIRST SELECT CORPORATION, and against the Defendant in the amount of $2,411.71, plus pre-judgment interest at the contractual rate of 8.00% per annum from 12/16/1999 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $482.34, less payments made, plus costs and any other such relief as this Court deems reasonable and just. PARK LAW ASSOCIATES, P.C. BY: VALER PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ~,-, " '1'~'" ',:>,,,, ,';,-" __,_I"_'~' ~.-~ '~J'""e" - "1"':<:'-'_1:; ,~.~, --"~,,p '- -" ' - VERIFICATION I, JILL PULLIAM , declare that as of December 30, 1999: I am a desighated agent of FIRST SELECT CORPORATION, the Plaintiff in this action, and I am duly authorized to make this verification on its behalf. I have read the foregoing complaint and know the contents thereof; that the same is true of my own knowledge, except as to those matters stated on information and belief and, as to those matters, I believe them to be true. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. I declare under penalty of perjury that the foregoing are true and correct. Executed at Alameda County, in the State of California. ~'""t _, _ ' " >" """, ,t,~ '-, ,'I'-, '~''-.r' '-~'"""- . . '.~,,' ,I . ~, F1RST SELECT CORPORAT10N 5040 JOHNSON DRive P.O. BOX 9104 PLEASANTON. CA 94566 888-964-4000 l'C_c-.-" T AGREEMENT ;1 Your ASSOICATES account has been transferred to First Select Corporation. Your ASSOICATES account was closed at the time of this transfer, and will therefore'COlltintielo be-closed. This Account Agreement contains the tenns that govern your First Select account (the "Account"). In this Agreement, "you" and "your" mean each pernon who is liable for payment on the Account "We," "our," "ours," and "us" mean First Select Corporation or its assignees. Becauscyour' Account has been transferred to us. you are now obligated to repay the Account to us instead of ASSOICATES. Ifthc Account was opened as ajoint account. we may act on the instructions afany joint accountholder. Payments I Fhwlce Charge$. As long as you have a balance outstanding on your Account, finance charges are calculated as follows: To figure the finance charg<s for each billing cycle, we multiply the average daily balai.ce on your Account by a daily periodic rate. The daily periodic rate we apply is your AocoUD1's Aonu,u Percentage Rate divided by 365. The Annual PercentagO Rate will be calcu1ated as dis<:losed in your most recent ASSOICATES account terms (the "Original Terms'1. !f your Original Terms provided for diiferent Aonual Percentage Rates to be applied to different components of your outstanding balacoe, we will apply the lowest such Annua1 Percentage Rate to your entire outstanding balance. We may accept late or partia1 payments, or paymonts marked "paid in full" or matked with other restricti_ without losing our righllo collect all amounts owing under this Agj'eemenl. You may ask First Select Corporation to pay this account by debiting your checking or savings account. First Select CoIporation will first verify your identity and eligibUity for this service. You may revoke your autltorization by writing to rust Select Corporation Customer Service. . F .... We will charge your Aocount a fee for each billing cycle within which your Accouol is delinquent (late charge). The amounl of the late charge will be as dis<:losed in your Original T..... or the maximum late charge pennitted by the law of your stale of residence, whichever is lower. We will charge your Account a fee for each returned payment check. (returned check charge). The amount of the returned check charge will be as disclosed in your Original Terms, or the maximum mumed check chatge permitted by the law of your slate ofresidence, whichever is lower. . To the extent provided in yoW' Original Terms, and to the extent permitted by applicable law. in addition to your obligation to paythc outstanding balance on your Account, plus interest: and fees as disclosed herein, we may also charge you for any collection costs we incur. imoluding but net limited to reasonable attorneys' fees and court costs. !fyour Original Terms provided for an award of attomeys' fees and court costs, such provision as incorporated herein sI1all apply reciproca1ly 10 the prevailing party in any lawsuit arising oul of this Agj'eemeni. N on-Waiver of Certain Riglrts. We may delay or waive enforcement. of any provision oftbis Agreement without losing our right to enforce it or any other provision later. AppU<:able Law; Severability; Assignment: No matter where you live, this Agreement and your Aocount are governed by federa1law and by the lew of the state designated as the appli<=able law in your Original TenDS. !fyour Original terms did oot contain an appli<=able law provisioa, then this Agreement and your Account are governed by fedetallaw and the,law of,your state of residence. This Agreement is a final expression of the agreement between you and us and may not be contradicted by evidence of any alleged oral agreement. If any provision of this Agreement is held to be invalid or unenforceable, you and we:wiU consider that provisipn modified to conform to applicable law, and the rest of the provisions in the Agreement will still be enforceable. We may transfer or assign our right to all or some ofyourpaymenfS. Ifstate law reqUires that you receive notice of such an event to protect the purchaser or assignee, we may give you such notice by filing a financing statement with the state's Secretary of State. Credit Reporting. !fyou fail 10 fulfill the terms of your credit obligstion, a negative credil report reflecting on your credit record may be submitted to a credil reporting agency. In order to dispute any information we are reporting about your Account, you must write to us at the following address: First Select Corporation, P.O. Box 9104. Pleasantoa, California, 94566. YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE ~:.;,i.,1 " !' ;!l Ii ';-1 I!! ~~;" I' ,I !I' l I f i I I, This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case orErron or Questions About Your BiD If you think. your bill is vmmg,. or if you need more infonnation about an entry on your bill,. write us, on a separate sheet, at the following address: First Select Corporation, P.O. Box 9104, rleasanton, CA 94566. Write to us,as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following: . Your name and Account nw:nber. . The doUar amount of the suspected error. . ' ,--- , . Describe the error and explain. if you can, why you believe there is an en'Ot. If you need more information, describe the item you are not sure about. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your ldter within 30 days, unless we have corrected the error by.then. Within 90 days, we must either correet the error or explain why we believe the bill was correct. Atler we receive your letter, we cannot try to collect or report you as delinquent as to any amount you question, including flnance . charges. We can apply any unpaid amount against your credit line. You do not have to pay any questioned amount while we are investigating, but you are still ' obligated to pay the parts oftht= bill that are not in question. Ifwe find that we made a misbtke on your bill, you will not have to pay any finance charge related to any questioned amount. Ifwe did not make a mistake, you may have to pay finance ,"barges. and you will have to make up the missed payments on the questioned amounL In either <:ase, we will send you a statement of the amount you owe and the date that it is due. !fyou fail to pay the amount we tbink.you owe, we may report you as delinquent. However, if our explanation does nol satisJy you and you write to lIS within 10 days telling lIS that you still refuse to pay, we must tell anyone we report you to that you question your bill. And we must tell you the nam.. of anyone we reported you to. We must teU anyone we report you to that the matter has been settled between us when it :fina1ly is. Ifwe do not follow these roles, we cannot collect the first S50 of the questioned amount even if your bill was correct. SpecW Rule ror Credit Card Purehases ) !fyou have a problem with the quality of goods and services that you purchased with your ASSOlCATES credit card and you have tried in good faith to correct the problem with tho merchant, you may not have to pay the remaining amount due on the goods or services. There are two limitations to this right: (a) you must have made the, purchase in your home state or, if not witltin your home state, witltin 100 mil.. of your CUITenl mailing address; and (b) the purchase price must have been more than 5S0. These limitations do not apply if either we or ASSOICATES own or operate the merchant, or ifwe or ASSOICATES mailed you the advertisement ror the property or services. zsso "ilIIlll!4 ~, - (if ',~,~ ., ~~)~ ~ ~ 'f' -........ y~ ~ ~ ~ " - 0 0 <3 C c::> 1"1 ~ ".. ::lC .--1 it> -oUi po ~J::-n 92\}; ;;;0 ,np tfit:;:-> I ~~~ 0' _v , ;:{' 9'~(. :S <......,1 ~ 'Xc~ cJ ~o :Jr: 0"'- ZO )>2 t.:;l om ~ t..:) ~ .,- '< ;+J\U ~ "-IJ \ j \.,' ~ .'!J,lI!w!m_[l'l!lI'i!il ~ ~!!UlllliJl!l1l1ltnm@i~ . .....- SHERIFF'S RETURN - REGULAR CASE NO: 2000-01265 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FIRST SELECT CORPORATION VS SHILLINGS FORD JOHN DAWN KELL , Sheriff or Deputy Sheriff of Cumberland County, Pensylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon SHILLINGS FORD JOHN the DEFENDANT , at 0019:22 HOURS, on the 13th day of March , 2000 at 29 CENTRAL BLVD CAMP HILL, PA 17011-4210 by handing to JOHN SHILLINGS FORD a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 8.68 .00 10.00 .00 36.68 So Answers: r~~t R. Thomas Kline day of 03/15/2000 PARK LAW ASSOCIATES L By: ~ j I a ~cu0Y\ -ct- ..u... Deputy Sheriff Sworn and Subscribed to before me this t.. Ib ~ ~ A.D. C)r-O Ind)(u ~ rothonotary , ','or;' \ TIDS IS AN ARBITRATION MATTER ASSESSMENT OF DAMAGES; HEARING IS NOT REQUIRED FIRST SELECT CORPORATION, Plaintiff : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA VS. : NO. 2000-1265 CIVIL TERM JOHN S. SIDLLINGSFORD, Defendant ANSWER l. Denied. Defendant lacks information upon which to formulate an Answer. Strict proof is demanded. 2. Admitted. 3. Denied. Defendant lacks information upon which to formulate an Answer. Strict proof is demanded. 4. Denied. Defendant lacks information upon which to formulate an Answer. Strict proof is demanded. 5. Denied. It is denied Plaintiff made demand for payment upon Defendant. Strict proof is demanded. I ',"'..... 6. Denied. Defendant lacks sufficient information upon which to formulate an Answer. Strict proof is demanded. 7. Denied. Defendant lacks sufficient information upon which to formulate an Answer. Strict proof is demanded. WHEREFORE, Defendant demands judgment be entered in favor of Defendant and against Plaintiff. 8. No answer is required. However, if an Answer is required the answers to paragraphs 1 through 7 above are incorporated as though set forth in full. 9. Denied. Defendant lacks sufficient information upon which to formulate an Answer. Strict proof is demanded. 10. Denied. Defendant lacks sufficient information upon which to formulate an Answer. Strict proof is demanded. I L Denied. Defendant lacks sufficient information upon which to formulate an Answer. Strict proof is demanded. 2 - 12. Denied. Defendant lacks sufficient information upon which to formulate an Answer. Strict proof is demanded. WHEREFORE, Defendant demands judgment be entered in favor of Defendant and against Plaintiff. Dated: 11f1-1 ~ 20#4 3 ,~ - VERIFICA'ITON The facts set forth in the foregoing are true and correct to the best of the undersigned's knowledge, information and belief and are verified subject to the penalties for unsworn falsification to authorities under 18 Pa. C.S.A. !l4904. Dated: nllr 2,2Ntf -#~~ Ji N S. SHIL NGSFORD "~,. . , ~."""""_"""o;.."~""""",,,,," CERTIFICATE OF SERVICE I, John S. Shillingsford, hereby certify that true copies of the Answer have been served upon the below-referenced individuals by sending the same by first class mail, postage prepaid, addressed as follows: Valerie Rosenbluth Park Park Law Associates, P.c. 25 East State Street, P.O. Box 1779 Doylestown, PA 18901 Dated: J I1fly 2,2.rJod 4 <"""l!ll -"I' '- ,__""",,,....1'1"" , .~ ..',. '- '> -, 0 c:; () c: 0 '<'" ~n -U"", :;r. '~-;j QJr'~; :l:>. ~?J; -< ~-i1 ;!2 I -'r'lrn r:6 c.'..) 35? ..:::; ~ J..~ "_:rJl~~ ~() ...... (;'5 '-,"f ,,;'0 --0 -c ':'? 5"0 ;2 '0-1 ::t -::> ~ 0:; -< ~. ~,.1ffl~m""f"Jr"i1'-""R!~~~~~~~",1ID)i VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215 348-5200 ATTORNEY FOR PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND, PENNSYLVANIA FIRST SELECT CORPORATION Plaintiff VS. JOHN SHILLINGS FORD Defendant NO. 2000-01265 NOTICE TO PLEAD TO: JOHN SHILLINGS FORD You are hereby notified to file a written response to the enclosed Motion within twenty (20) days from service hereof or a judgment may be entered against you. PAf-K LAW ASSOCIATES, P. C. ...._... I BY: VALERIE ROSENBLUTH PARK '~ " I ~~ -'~' VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215 348-5200 ATTORNEY FOR PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND, PENNSYLVANIA FIRST SELECT CORPORATION Plaintiff VS. JOHN SHILLINGS FORD Defendant NO. 2000-01265 ORDER AND NOW, to wit, this day of 2001, upon consideration of Plaintiff's Motion for Summary Judgment, Memorandum of Law, and the response of Defendant, if any, Judgment is hereby entered on behalf of the Plaintiff, FIRST SELECT CORPORATION, and against the Defendant, JOHN SHILLINGSFORD , in the amount of $2,411.71 plus interest at the contract rate of 8.00% per annum from 12/16/1999, plus reasonable attorney's fee in the amount of $482.34, plus costs. BY THE COURT: J. - - VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND, PENNSYLVANIA FIRST SELECT CORPORATION 'Plaintiff VS. JOHN SHILLINGS FORD Defendant NO. 2000-01265 MOTION FOR SUMMARY JUDGMENT TO THE HONORABLE, THE JUDGES OF THE SAID COURT: The Plaintiff moves the Court to enter an Order for Summary Judgment and states the following reasons therefore: 1. The Complaint in the above captioned matter was filed on 03/06/2000 and service was made upon the Defendant on 03/13/2000. 2. On or about, the Plaintiff, by its attorney, served upon the Defendant an original Request for Admissions addressed to the Defendant. A true and correct copy of said transmittal letter and Request for Admissions are attached hereto, made a part hereof, and marked Exhibit "A". 3. As of this date, the Defendant has failed to file its Answer to the Request for Admissions within thirty (30) days after service as mandated by Pennsylvania Rule of Civil Procedure No. 4014. 4. In accordance with Pennsylvania Rule of civil Procedure No. 4014, as a result of Defendant's failure to respond and answer the Request for Admissions, all of the Request for Admissions are deemed admitted. 5. There are no genuine issues as to any material fact and the Plaintiff is entitled to Judgment as a matter of law. -'I_'M'l _ "'~~ '~I- ~" -~~"'"""""~ ~-~ -~ __ r~~'~ e. 6. The Defendant, by its failure to answer the Request for Admissions, admitted its obligation to the Plaintiff as claimed in Plaintiff's Complaint and admitted there are nO facts upon which it relied as a basis for any defense in this action. WHEREFORE, Plaintiff prays that the Court enter Summary Judgment in its favor and against the Defendant in the amount of $2,411.71 plus interest at the contract rate of 8.00% per annum from 12/16/1999, plus reasonable attorney's fee in the amount of $482.34, plus costs. PARK LAW ASSOCIATES, P.C. t BY: VALERIE R ATTORNEY FOR _.~. ESQUIRE '''''I!IiII!i _,r ,~ - ,~ ~ -- ""-. COMMONWEALTH OF PENNSYLVANIA: COUNTY OF BUCKS Valerie Rosenbluth Park, Esquire, being duly sworn according to law deposes and says that she is the attorney for the Defendants in the foregoing matter; that she is authorized to take this affidavit on its behalf; and that the facts contained in the foregoing instrument are true and correct to the best of her knowledge, information and belief. Valerie Rosenbluth Park, Esquire further understands that false statements made herein are subject to the penalties of 18 Pa.C.S., Section 4904, relating to ./",-- / ./' unsworn falsification to authorities. Valer --'i"'i'_,,_ - 1"'" , ~~ ~..,-~ PARK LAW ASSOCIATES A PROFESSIONAL CORPORATION 25 EAST STATE STREET, SUITE 101 P.O. BOX 1779 DOYLESTOWN, PENNSYLVANIA 18901 VALERIE ROSENBLUTH PARK-+ ROBERT E. ANGST- TELEPHONE (215) 348.5200 FACSIMILE (215) 348-4015 * ALSO MEMBER NJ BAR +ALSO MEMBlSlI. FL BAR December 6, 2000 JOHN S. SHILLINGSFORD 29 Central Blvd. Camp Hill, PA 17011-4210 JU:: FIRST SELECT ,CORPORATION VS : JOHN S. SHILLINGSFOEU> DOCKET NO. 2000-01265 CIVIL OUR FILE NO: 7548 Dear Mr. Shillingsford: I am enclosing herewith the following: (1) An original of Request for Admissions addressed to you; (2) An original of Interrogatories addressed to you; (3) Plaintiff's Request addressed to you. for Production of Documents Do note that, this office will consider you having complied with the Request for Production of Documents, if copies of all documents which you propose to produce are submitted to this office two (2) days before the date set forth in the Request for Production of Documents. Please be advised that we intend to submit all documents attached hereto and Plaintiff's Complaint' as evidence at the upcoming Arbitration and/or Trial. Very tru!y yours, PARK LAW A~~._~_. VALERIE ROSENBLUTH PARK, ESQ. BY: VRP/rer Enclosures Pursuant to the Fair Debt Collection Practices Act, it is required that we state the following to you: This is an attempt to collect a debt. Any information obtained will be used for that purpose. EXHIBIT ~ . -*i1'M - VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF FIRST SELECT CORPORATION Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS VS. JOHN S. SHILLINGS FORD Defendant NO. 2000-01265 CIVIL PLAINTIFF'S REQUEST FOR ADMISSIONS AND ACCOMPANYING INTERROGATORY TO DEFENDANT TO: JOHN S. SHILLINGSFORD 29 Central Blvd. Camp Hill, PA 17011-4210 Pursuant to Pennsylvania Rule of Civil Procedure No. 4014, the undersigned attorneys for First Select Corporation hereby request that John S. Shillings ford make the following admissions within thirty (30) days after service, for the purpose of this action only is subject to all pertinent objections as to relevancy: Admit to the truth of each of the matters set forth in the Request for Admission included herein; make a written response, sign the same, swear to it, and deliver it to the attorney for the Plaintiff herein within thirty (30) days after the date of the service. . ~, I~' ~ ,~, YOU ARE INSTRUCTED: 1. These Requests for Admissions and accompanying Interrogatory are directed to the Defendant, its/his/her office-rs, employees, agents, servants, assigns, representatives, pa~t and present, and unless privilege is claimed, each and every attorney, past and present, of each and every such individual or entity. As used herein, "Defendant," "you" and "your" means the Defendant to which these Requests for Admissions and accompanying Interrogatory are addressed, its/his/her officers, employees, agents, servants, assigns, representatives, past and present, and unless privilege is claimed, each and every attorney, past and present, of each and every such individual or entity. 2. These Requests for Admissions and accompanying Interrogatory encompass all information, documents and records that are in the possession, control, or custody of Defendant or any of its officers, employees, agents, servants, attorneys and assigns. 3. or to the stated. If any objections are made to any Request for Admissions accompany Interrogatory, the reasons therefore shall be 4. If there is any claim or privilege relating to any request to admit, or Interrogatory, you shall set forth fully the basis for the claim of privilege, including the facts upon which you rely to support the claim of privilege in sufficient detail to permit the Court to rule on the propriety of the privilege. 5. If your response to any request if not an unqualified admission, your answer shall specifically deny the matter or set forth in detail the reasons why you cannot truthfully admit or deny the matter. 6. A denial shall fairly meet the substance of the requested admission, and when good faith requires that you qualify your answer or deny only a part of the matter of which an . ',,\I <~, - admission is requested, you should specify so much of it as is true and qualify or deny the remainder. 7. You may not give lack of information or knowledge as a reason for failure to admit or deny, unless you state that you have made reasonable inquiry and that the information kno~n to you or readily obtainable by you is insufficient to enable you to admit or deny. 8. These Request for Admission and Interrogatory are continuous in nature and must be supplemented promptly if Defendant obtains or learns further or different information between the date of the response and the time of trial by which Defendant knows that previous response was incorrect when made, or though correct when made, is no longer true. 9. Unless otherwise indicated, the time period to which these Requests for Admission and Interrogatory are directed is from on or about the date of the original account opening through the present. 10. This Request seeks the admission of the genuineness of various documents. In some cases, there are printed number and letter codes that run along the bottom of particular documents. In other cases, the word "evidence" and other identification marks may be affixed to the document. Such numbers, letters and identifying words were affixed to the document. Such numbers, letters and identifying words were affixed during the accumulation and copying of the documents for this case and are not to be considered part of the document itself, except for purposes of referencing the document. The Request does not seek Defendant's admission regarding the accuracy and genuineness of those numbers and letters, but only the document on which those numbers and letters have been placed. 11. If you are held or are sued in more than one capacity, or if your answer would be different if answered in any different capacity such as a partner, an agent, corporate officer/director, . -"'.r"""l ~ ~" ~~ =, or the like, then you are required to answer separately in each such capacity. Further that pursuant to Pennsylvania Rule of Civil Procedure No. 419, if at Trial or during Hearing, a party who has requested Admissions as authorized proves the matter which the othe~ party has failed to admit as requested, the Court on Motion, may enter an Order passing as costs against the other priority, the reasonable expenses incurred in making such a proof, including attorney's fees. DEFINITIONS: 1. All verbs are intended to include all tenses. 2. References to the singular are intended to include the plural and vice-versa. 3. "Any" as well as "all" shall be construed to mean "each and every." 4 . "And" as well as "or" shall be construed disj uncti vely as well as conjunctively, as necessary, in order to bring within the scope of these requests all information that might otherwise be construed to be outside their scope. 5. "Refer to" or "relate to" means constituting, defining, describing, discussing, involving, concerning, containing, embodying, reflecting identifying, stating, analyzing, mentioning, responding to, referring to, dealing with, commenting upon, or in any way pertaining to. REQUEST FOR ADMISSIONS l. National 8228? Do you admit that you were the owner of Associates Bank (Delaware) Credit Account Number 4616-5700-4902- I. . -I - 2. Do you admit that Associates National Bank (Delaware) Credit Account Number 4616-5700-4902-8228 was assigned to First Select Corporation Credit Account Number 4168-1000-0550-8930 in accordance with the Officer's Certificate and Assignment attached hereto, made a part hereof, and marked Exhibit "P-1"? 3. Do you admit that after the account was assigned you received the First Select Corporation Account Agreement along with a cover letter dated October 25, 1999, true and correct copies of which are attached hereto, made a part hereof, and marked Exhibit "P_2f/ ? 4. Do you admit that as of December 16, 1999 your account had a current balance owed in the amount of $2,411.71? 5. Do you admit that there are no offsets or credits which are due to you from the Plaintiff since December 16, 1999? 6. Do you admit that you agreed-to pay the collection cost the Plaintiff is incurring or will incur including, but not limited to, reasonable attorney's fees and court costs as more particularly set forth in the First Select Corporation Account Agreement (Exhibit "P-2" attached hereto)? 7. Do you admit that $482.34 is equal to 17% or less of the outstanding balance and is a reasonable attorney's fee to effectuate collection of the past due balance? . 0'11'll --~ 8. Do you admit that there are no facts on which you rely as a basis for any defense in this action? 9. Do you admit that there are no documents, writings, papers, or letters which you intend to utilize as evidence of or as a basis for any defense in this action? 10. Do you admit that you have not paid Plaintiff any payments since December 16, 1999? 11. Do 'you admit that you agreed to pay a finance charge which amounted to 8% per annum to Plaintiff pursuant to the First Select Corporation Account Agreement (Exhibit ~P-2" attached hereto)? 12. Do you admit that attached hereto, made a part hereof, and marked collectively Exhibit ~P-3" are true and correct copies of-"the records of the Plaintiff showing- cash advance, charges and credits incurred through your use of the Associates National Bank (Delaware) Credit Account Number 4616-5700-4902-8228 which was later transferred to First Select Corporation Credit Account Number 4168-1000-0550-8930? . '''l'i'~ , -~ "1~- """"..---- 13. Do you admit that each of the documents attached as Exhibits to these Requests for Admission and as attached to the Complaint are true and correct copies of the original documents and are admitted as being genuine and authentic? 14. Do you admit that to each document identified above as an Exhibit is a business record of the Plaintiff for the purpose of its admission into evidence at the Trial of this action? PARK LAW ASSOCIATES, P.C. BY: V. ERIE ROSENBLUTH PARK, ESQ. Attorney for Plaintiff I understand that false statements made herein are subject to the penalties of 18 Pa.C.S., ~4904, relating to unsworn falsification to authorities. John S~ Shillingsford, Defendant Pursuant to the Fair Debt Collection Practices Act, it is required that we state the following to you: This is an attempt to collect a debt. Any information obtained will be used for that purpose. . -~ -~, ~ ~"i NOV. 30. 2000 1: 10PM PROVIDIAN NO.5216 P. 2/19 OFFICER'S CERTIFICATE FIRST SELECT, INC. t\oCCOUNT NUMBER: 4168-1000.0550-8930 j\CCOUNTHOLDER NAME: lORN sHJLLINGSFOlU> In my ~paeit:y as Operaliolll Omcer of First Select; In~" I hereby cettifY the Collowillg: . . 1. Fint ~l~t, Inc. is the owner ,of the accouni teCerL!liC;;d above. The aC-Go\!!!~ was acquired frorr1 Associates NIlliQMI Bank (Delaw~) ("Seller''). The acquiiillllll ofth~ account.is ~'i~ced by the copy oC assigomelll of aceountslbill of sale a_bed to this Ofticct'A Certificate. ' 2. Sener inCormCd First selCCl, Inc., in CillUlection wilb the ac'o11ftt'S acquisitioJl, of lb. Collowlng iIlformatioal Associalei National Bank (Delawam) Account Number. 4fil6-5100.4902.11228 CUstomer NiIllIe: IOHN san I.INGSFORD By: Title: pate: October 4, 2000 EXHIBIT I fl- / 10/4100:... fS~T.DOC 'J-l , ~~ '. ~-~~I- ~ ~ ,~..~-~" . NOV. 30. mo 1:10PM PROVIDIAN NO.5216 P. 3/19 EJL!. OF SALE Pot val.ue !I!ceived and i.r. BJr"..b.et consideration ofma mut'1loal. cov;:nwts and coc.ditions set rOM in the Receivables pu.-eaase Agreemen.t (the "~.~elt'.en.") d2.ted A.u~uo. n,t t;99, by mg, among ASSOCIATES NA'rtONAL B~"K (DELAWA,.ll.,E.), a nanotl21 banking esseciation ClSetl.et"), and. First Select CQrpocauon. 2. Californi! eOfllorauon ("Pur;;hll.ie:"), and by the temlS of . the Agteement, the undetsigited 1:.as bugained and. sold and by these presents does nOW gxant, convey. sell. tr2IlSfet and. assign UiltD Purcb.a.5l!t;.and its successo[S. all onn.: aeool.!.!l.ts receivable, \o~ re~eiv2.ble, IUltCi ~eceiV2.b\e and contraet rights tt2.IlSf~I'!'~d to 1?urcb.aser tOday b.y eomputet 1l;2il.SmiSsion t! evidenced. by Ib,eat"..ached verlficatiO!l. (collecTively the .. po,ccounu" lid sinaularly 2l!I. "Account"). ' .. IIi W11'NESS WBIRE 0:', on this All,,"IlSt 13. 1999. Seller baS executed this Bill of Sal.e , and affi.xed Se\\US corpotaa see! to it. " '. '. ~.,""," , " . ASSQCL~n:S NA.TIONAL BANK (DELA W ARI.) ." ." Its: . 1...____' .' ,. !IllIII!!I!'lI~ NOV. 30. 2000 1: ! OPM I PROV1DIAN NO. 5218 P. 4/19 Odober 25. 19'9 JOHN SHZLLINGSFORD 29 CSNfRAL BLV!) CAMP HILL PA i701l-4210 1111II'IlIIIIll,"11mIM..I..I,I.ullllulIIi,li",".I.1I iii.utl f'I.... rllst &/ed A_Rill N/UIIber: 416~100IJ./JSSIU939 Old ASSOClATE$At:&#11l/t N/UIIber: 4616-1188-499:"12' ClI1rftlt BfII.llu: S2,364.69 , THE PVmoOSE OF THlS COMMUNICAtiON IS TO COLUCT A DEBT; ^~ INFORMAnON OBTAINED WILL BE USED FOR THE PUlU'OSE OF COLLECTING THE DEBT. EXHIBIT j jJ-d - . - , '. ?_. 1 ,,- , Pear JOHN SHILLINGSFOlU>; V_ ASSOCIATES accwat has hle!!!WI5fetred to PiJ1l Select COJ]lOIlIIiOll, so you wilIliegia r."ins JIIODthly SIlIIIlIlle!!~ trom Iii. Your Fint Select acooulll !!!!mber appears above and your new Aa:ouIII Agr=II/lnlls om:loscd. . , . Unfonuuately. your ASSO(;!AfI!S account was olosed for non.paymonl1ll4 the seveDll' of yom deliJllluency places YOIU accounl in cIel'lIull. 110_, we asswne lbal3l1 of ourCUSIOJIleIS are Ilonest people and want 10 repay their debCS. In fl!cl, w. ~ qvcr backward to make llliCCp\llll!e paY1l101l1 amm~lS ~o p~ent the COSI and Ciiillarrassment of a lawsuit, whicll ~ a matter of public Ieconl. If you call us, we promqe you Ibe !oilowfns: , . You willl1c IleaICd wjlb dignilY. re5pea, and llUSl . lfyolI make a JlII1DitIIt arnngcment and Slick with !t.: . We can lower your llllereSl rale 10 get you out of debt fastU. . We can be: an excclient credillOfetenec for you. - We call helpyOll recalll access 10 eredit So piease call our CiiSI6iller Assi$Cance Depamnenl at 1-888-9%4-2080. We wanl you as a IOIlg-term CUSlo.r aU would he honored to serve you. We ACIIgnize tbat custolllcn ellD have lelUPU.a.1 financial difficulties, and we will CliiiSider paymenl arrangements for as 10\11 as S2S per monllt. TIle f9!~Dg i. a relpllred legal dlKIOJUn nganIiDg you~ fights; Federal law gives you 3t\ days after yOll receM mil I~ter to displlte the validity of the debl or any part or It. !fyou do not dlspute the validity OCllIe debt, or any part of ii, witllin tbat periOd, we will assume thaI the debt is "a1id. If you dispute the deb~ or any pan ~t it. ill writing. by mailing 111; a aolicc to that etrecl on or llefure the 30th day fOlloWlilj file date YOIl receive thiS !c,Uet - we will obtain and mail to Y9U 1PJOof IverifiClllion) of Ibe debt. And It, wilhln,\be: iilil\t period, you reqUO!lI in Wiillnll the name aadaddress !If the original CIOdilor (if differenl from the cwrent credilOf), we will fUmisllyou with tbal intoflllatiou fOO. All elfons to '8!~ this debt will be suspended lIIIuiwemail any ~ Itlformalion to yOll. Your riShI 10 mail us a vtritttn noUllC of ~e JIlSIS untillbe end of Ibe 30th day following the day you receive this letter. We will wail unlil suflicielll1i1lll: bas tIafped!or lIS to be able 10 receive a wrillOll notice ofdilpUle from you . evtI\ !fyou mail ilOil the 30th day following tbo IllIw yoll receive this leller . before referring)'OW' acCWl\110 an a!lomey in your Me 10 me SlllI agabm you should it bIl ne~$lIry. - If you would b"kt to makt a payawri. wblcli ...e encourage, you may UIC 1M pOStage-paid OIlveJope CDclosed, We .ppreci81e ;your business, we waul yOU as a long-term customer. aad we will do evesything we c;au 10 help you. Very tnIly yours, r1~P'~ Alth1ll' Price Senior Vice President NOV, 30. 2000 1: 11 PM PROVIOIAN NO. 5218 -- P. 5/19 ACC;:OUNTAGREEMENT y"., A.SBoc:lAlU ......,;,JD;lieiiIlIIUIIfi1mdIOFinI ~ COIpllmi... YOUI ASSOClATES._ waacloteclato"lIme ofihii;;iiiilft._'lIilI . ___..110111)10II: -nu.- ASr-..._III.......1halR....._ Flni SilDa .......(Iha ._''). Inlhi. ~ .,... &lid "yow" iIIean............. wl\ilil!i.bltfor pi.ymonl.. 0" AaoUm. "Wll," '0"'. "_; '"" 'W"..... FiJst Select CllqlOI1lIioo or i'llIui_ 1Iocatioo,.,., Ale..... ....Ileeainnoll:mdllll!l,t""...- ""1i&Ilod19.Y.... _.... _odor ASSOCIATES. 1!1IIc --apiMdu.JoIIII-....... 1llIY......1haiDllnlcllon!~~joJnI_ldct. . ,.,.,.",., FIiiotlKo~ AI_Ii ~ baw. _...........,... __...... dwp... caIiIlWIII..lbl!oIw: T. S_d.o:f\Ilaa<a ~i'o!:w:II bllIln&~ wo mulllvIylha........ lIajly Ilal_.. your -Ily. c1aDy por(odi~ role. 11li dilly poriodic....... .pply;,_~.~j~I\iiii4i.;de4iiYi6l. 1110,' Allliu"'_IlIIWoI>illIilGll,liIalod..4!i!lI"""'IlIY"'__AUOCIATE$ -..Il"""'(...."Orip.alTeIiJIt"). U-}<llIIdri&InaI r_"..u,od/'ordllll:nlm <II!d\I,1 P~=I' Iltopp6.."..........._oI'yoIIr '~............wiIl.PlilJIha_....^""""I-.RoltlOyout-..1I1alIdinC . w. "W'...oepI i..... ponlaip~ or,.,.... """'"" 'pld ill IbII" ..markaI.wji!l.dIorl'OlUkol.... _'IooInS our d... ,_ iII_...... lIIOIor,\IIio ~ V", ~ Ilk fInI, SiledCo!fO'O'loo"PIII'1hi. _bydololllng your WoiIlOIIl..U1I',ll'a_ ,...~S.IccI~'"U1 r... veri1\"yoIIr iaOllliIY UId .1liil1i1i1Y /'ordlla sclvia. you..y nvOk6)'t111 ",_...by >'irill!!llIO!'lnI Sd,", CeijooraIl.. CuatomO\' s.,.foc. . , p...., Wa.;m ~y"" ~ .....tor_bi!Dml.,..icwithin _jliUt........iI ddidQlll;lll II"" """'"). 'J,be1lllDlllll oflb.....cbupwillb... ditc~loyourUri8l"ol~.......lhi...-l...oIi....~!>YIll.....ofy__of....doIl.......Io/ioiIor..\owcT, . ' W..,;Uchtipyour _ol",~for Mmu_"\'RIIIIldlllll<(roUlmI4l11toi11cfw&oJ. n....- oflll._chtokcloup..U..... diIoIlllldill _onpw T_or1llc~..NtlmH\l_......,....iWbylha lawofy.."lolCoflOlidtn<o. wIUclIcvcr jj -. .. T.dic..........vicloG,. dll.~. '''<ilri.atIT_,. ,.iil~I01ht, _,..,..nodbv.pplical!lt=!aW.ia_i......)'OlIrobliptioa..."ylho.._, blabt""""""'" Aco\1lIm, p\uI__ _~'..di>clll""htiiio, ......,01.. .....pJOI'lbrll!Y..ifeoIi....i1iw..... ioor'did&llll\n.llirilltod..~~ ro.. inr\........... Itj,owiq/lsinal TIllIl> pIOYIdodtor ...ilihIlllflllomoytliioo uoIoMIII _,..... ...Vlolo. IS ioeolpJn!04 hortin o1udI apply ..,.;_ny..me,....;""dlllyiallll'_~1riIills9l!!~dIIa~. . 1I0000W"'orofC_~ W.mtiJ iItlIy..'"....~!'t!!IY".~OrIhisAjltemoal wilbo"'l..... ourris\1tlOenl'oroth or 1IlY- ~Ionl.cr.: . ." l' API1D<H,' IO,",,_,"~. .~,', ',' .~. jIlo--~1hiI~-:r."'-"'0Ie1fP-by/mlfllawomlllydlo,...oI'l!!911n1e ~"""..me~~illyoUr(lricintlr......ICJ'OUI:or """,iIhlli,6lU .,..".li<aIllcIIW,...;,I...rIltnlhis~)'Q1lI'--' _....,..._byffdil'al law ondme Ia""__of '. TI/it"-I..W.""....;.. oflbt..--_you....luooml",.y noi!lO~"'dby~ofUIYone.piIon1 ~ 1C~....viD."!'.~':6i........,iShold..'" iovalid VI UntiIt.....w.. you ""'w.\'ill~ lho'!,...lI"" mudiliotl..,<ioIiI'ana... .,p1...'lolllw. uoI1Ito""'.rilio _..."'Iha _ wlU SIlK 1M !l'lbrcttblo. W. ..."lrinl(or.....iSO our ligln ...1lII".....ofyoUr,.,... Jfdli..JiiIIHqulm1ha.yoo.......l\Qliccofsudl..."'...IO_<lttpm<llMcTorUoi_WIl...y.eP.yoIIoui:bilUll.. , ' 1iy,1i1la.m......S.-.ImI """'Iha.......$_ .rS1alt. . . . , en.JlllRcpOfllq; ~l!! IntomtalIo!l. !ryou lIoiIlOlbllill 1IbII..... ofy.......... .blIl11"iott.. .....,i'" 0fClIi. rcpoJI iOllOitiil*... Y'" _......._\10 mb~ined,~ II credit RJIO~"scnqo, tn.lO dilpU1e any illfblnWlon wt Ire rePmia\g,jboul your Accwm, yoo ~ write to ..1IM f'oJlO?ria.addIaI: FIlit StlOClCIlIP""iott, "I/IS.' tlll4.Pl-. Calilomia. 9<566. !VO"'lIF 01... iii/.-tII.. wirA ... r,fIl6... ...1.".,. ....... Iuohri.., .....w.. ~flftdJ" ""JPr.wlrli.. .....11 """G'~I" 11I0.....,...'" rIM, {II..,.Cli.,1II """. ,Ii.. ere.; b,friUiu.... tt/IiIbJIu; . YOUR BILLllIClIUClIlTS - mp TillS NOTJa roa PtlTtIIlE USE ThiI_ --.. ~ idrOllllllio. .!lout your ri.... ""'... _bai~.. umicru" FDirCrodll ilill1ng AoI. NoIItt!h1ll c... .;1..... ai'QiiatIOIU A_ V_IIIII Ifl'llll!!llok)'OUlbjll iI....... ""you .......it/lnaItIloo"""'"III OlIIIl'ID...r&ilI. -VI. oa...,.,...1IIo<<. ..1Ito~._ F/nISela:r C..".,."... '.0. Sox ~104, 1'1_ CA ,,366. WIl1i:I......... "r>offl~Jt. w...... beat _ yov nolll1..IIiiio'6Jl all a/ljrw. lad yoIIlllo finl bjIl ..wbioh tIli _.. JO'Obl....appo;vH; y"".... ..Iophon.... bid d......WUI... pi...... _ riglns. kt,...._........tIli_,..,., . YOtIf >>MIIt aald AccDua1l'\W11Hr. . Thc doU"........r1lto .ti~....... . n..""bOl!;t Ill" ....ClCJII.... ifyOll M whyyoll bcllov.1hcte is........ Jfyou.......... iN_.II.... d..cribotlli ~you.......... aIIout, y...IIi......... Our 1l.......iioiiitinAll.. Wi _.V_W_N.." W. muat ICIotOWlot!p~!II!r~..;m;. ~O days....""... h... ..........11....... by~ WMiI! 90 _... mUll dlher .......,\b...... orlllJlltiaWhy "" 1N:11l...!hc biB.... _ All.. we .......your I_,.........ltl'.. """'CO..,.,OII you.. "'~.... IllY IIIl\IUlIt yoII.......... incIudiiIsfioanOc cIlIrF w.... !'PIIly in, llIlptill_...... """aHi!!i!\t. You do DOl ha..1o ply IIIl' ......i......lIlI.lIIlI..hile We lie faV<Iiipfin&..... yoo ...11II1 ~plcdl.,.,.Iluo_Q(''''biJlthoI.,.oot/n~ 11'... r....lJ;i\... _'.........0 ~~, Y" -.in ...lIa...lOpoy .ny \1oaoce olllrs< rtItled to IllY q1IOItiooalloil.Ui\l. lrw. ditltIIlllIkt 1!IJiI!oI<~ ~ mil' hl"''')lIly 6oam:i dtataeo..... ~ Iliu 111.010 "like u,theinloatd po~ onlha 'l\IOIIiotttll_ III ci1btt ......... wiD"'" X"o. !tal.....' Of 110:........ ~ _..~ Ill. cIAI;a.... nla.do~. U'you r.1I1O p&ytM _mwc\ltink yoII..... ,.. ...,.NpOlI \101I" dellnqulIIL How_. ih...xpIll\l1ilOl don.niil ~,aII .)iIU Wite \9 UI ".dtin 10"')5 "1ffD&~ _)'au stili nAllCto pl-Y. 'WI' IIl1Idlell_yonc we ~ Yft 10 that you qu61i.en YQUl' bill. Aod w. _t.lI you lIl....... 01'..,.... we NpOrICd YOU", w...... ;;.1' iiij'OM ",,.,01\ yoIIl.1Itti 1II........... _soat.d _.... lIS wh.. it fiaolly ic. If...dollOllllllow_ruleJ, ..._1J<f/1<cr1l>r /lnI SJa.frllfquedi0ac4..IOUlII..... if)'Q1ll'blII__ Special_for C...u.C""""""" lfyoll Ill'" psoIlIcm will> Iht 'l!!'!l~y ot/lOOdl oml_ WI XO!' pwdwed "irh yGUI ASSoClA'l':es OlC<Illt>llllll4 yoII ",..Ititd ill &l1<l'! f'oiIIt 10_ rho ,..blem Wllb Ill. --. Y" moy... ~ 10 p",~ .....mina am/l\1ll1.4.. on me JOOds or .It'i~ Th~. Ut two limiIo1iOflSID thi>riiJiii l.))'IU..... h... .,.do"" puod_1Ayour II....! lWa or, ifllDlw'lItin)'Olll' II"," "'"" wilhllllOa ...1" ofy... """"" IIIlIlillglU!1llm; ond (b) 1he pllIdwOtJl....... ...,. boon.....thlo $10, Thli.I'mi'..... do not awIY if ather we or ASSOCIATES.... or ......." 1Ito_iIlll. ..if..... ASSOCIATi$ m.lI.d yoIIl\le l~_1W Ill. pr.pltly or..,.;.... 111 ~ '~'''''1''''!;'1!'l'''1,_., 0_-" .".,.., '. NOV. 30. 2000 1: 12PM PROVIOIAN ACCOIlNT HUMin 4161e10OO-Q5So.8930 MlJIltMtlM FA'IIMENT 'A'IMENT QUE DAn; ~\'.''''-''''''::''''''R . .~~'4 ,-,u..: ;t, ~.,~\':.~.,~,1~"f~": ' ~\~~~.{~~~f~t~~~~.~; . - - JDHMSHILLIKGSFORD 29 CENTRAl BLvD CAMP HILL PA 17011-4210 - P1p I ofl ...... ... ~Lb&LOOnDSsn8~30na50'2bn25Q'2bO . AMO\l~~'J.illSED P. .9/19 Is I _ 0_ '.raw. Tt 'Im Sal.. C'IJOr.adDII I' you "te lIbIt '0 pay your .aJmC<ll IN FULL bOW, the _. due Is: 52,509.26 ._------------_.._--.-~---------------*----------------------------.----------- Mctn 18 a"b Is ........ J. 10'''' 'llltlc. lrlaalJ. your First Sellet ..... .. a 'AID JIIIIlS wolIN he &I bIl,.,.... Slop .- ...,......,... ...... -.. ... .....".. r<<w ...... .....". CoJI.. It Mfcoio ,.",.... .,._ " ACCOllNT SUMMARY CUSTOMER SERVICE Pf(ONE NlIM8ER PA 1'MENT INFORMATION \'Je\IltIB 0...... a,49ZA' 1.11110-280-0559 NEW BALlNCE S%,5Q9.Zd - Cro4lI .00 A..ilnlt erc.u. So.oo - "-"" .00 +lleIIi" .00 A.....' 1'1....... 41" If)Oq 0550 11910 ' Miaiaoum "-one S2,509.%' + fiNANCE CHARGE 16.80 ra_ D.. DB . 07110100 + LaIo Ootp .90 A...oge ANNl/AL DoiIJ Slllemta1 OIIe + At""'" CIletk CIIurp .00 = NEW BAUNCE . 52,509.26 Acca~t Balance Dollr PERCENTAGE Fcriodio 0'115/00 . BII.... IIArE a.t< Sz'4'I1.4% 31 o..vs I. BII.... 8.00% .1lZ19"1o 1110" CJCl. 3111"6000 15%1 IS31 _00??oo0000000000 "" ..,.,.........,.,. -...uo. to,.. TIllS IS AN A'ITEMPT TO COUECf A DEBT. ANY INFORMATION OB1'AINED WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. FAST. EASY FAYMEI'IlS" Call u. Im","'ar", t. Ht.'" JOur pnflfttnfS ....... .a,"" "nice. "II!il, '. 1 ~ - _r EXHIBIT I jJ,-~g NOV. 30.2000 1:12PM PROVIDIAN - ACCOUNT I'lUMBEII 4168-I000-0Ss0-a930 PA~_ DUE DAlE MllllMuM PAYMENT ~;,:..:\.,.'.;,.;:.:...;,o;;;;~;":l ...~~,~,.t.f."'~~"--" NO. 5218 P. 10/19 AMOUN'" ....<.WSED I IS I 114111I 0_ '1j'U1o T. .Im SdIOl eor,....'" 'IF I all ...... ... It Y.. ore ohio 10 p.Y your hal_. IN FULL RDW, the OIllount du. ie. JOHN SHILLI~FORD Z9 CENTRAL ILVD CAMP,HILL PA 11011-~210 52,492.46 q1~61DODDSSDa'3DD2q'2qba~q'2q~a ------~-----------~------------------------------------------------------------ ACCUIIO crcA Is 1UtII11111I1.daYOJ worl,. Idajlnl)'tllt FInI sea." HQIl1a. II .. pAID nuDI".I" III II IIllI,GIIa'" Mtp tDft" Im,,.,,1.8 ,aa, ..b fl." tn' NsI....l!I. JO" tCCCliS 10 cr.... Call UI .. "'IUS 'QIlIUI option. . . ACCOUNT SUMMARY CUSTOMER SBRVICI! PHONE NUMBI!R PAYMENT INfORMATION Pmi_ a._ $2,417.38 1-800-280-0559 NEW BAl.ANCE $1,492:." - Crodill .00 - ,,,,,,,,..-. ,00 AvalIIIM. Credk SQ.QO + Debits .00 ,...anlN_or 41611000 0550 1930 MIIiimu.. I'QJocnl 52,49146 + I1/VA/Vc:li CHARGE 15.oa P.,..... Duo Ollie 06/09/00 + LIIle 01_ .00 - ANNUAL Dail1 S...catfltJ).ale + Rdllraed Clltll:k Qat.. .00 Ayer... = NEW BALANCE 52,492.46 ACl:II1llllrBal1I1ICI DIIl\r 'EflCENTIIGII Pori.dle GS/IS/GO -- flArE R... 11 DIllS .. a...... $2.457.36 ..00% .02""_ B'II101 CycI. 307676000 1511 15~1 9960000000000_0000 We _........'-lIlIdttelbb............awc nus lS AN ATfEMPT TO COLLEer A DEBT. ANY INFORMATION OB1'AJNEJ) WJLL BE USED FOR THE PURPOSE OF COLLECTING THE DE8T. rMiT, EASY PAYMENTSIl Call tII imm..latcly to IIIll1lDltt yaur ,aymall tllinl_P our fret hn'icc. . . NOY. 30. 2000 ~t~Jtf~I~~~::~ NO.5218 P. 11/19 AMOlJNT I/'laosm ' Is I Mate 0,,0:1.. ...,..,. T. First S,I" ea.,DIlIIIIIII 1: 12PM PROYIDIAN - ACCOIJNT NIJIIlID 4168.1000-0550-8930 PAYMENT DIJI: lIATE MINIMIJM PAYMENT - JOHN SHILLINGS FORD 2.9 ceNTRAL BLVD CAMP HILL PA 17011-4210 Pop I an - m If YOQ u. abI. to pay your balance IN FULL now,the amount due j" - 52,477.38 ~1~a1DDDDSSDB~3DD2~773aD2~?738D ------------~------~-----------------_._------------------~_.---------.-------- '~ , ACOOIIIO ""It I. ISSallal II 10"" ....If. IIItqIII "Ir Ffnt Slim .11III1.111 a PAID stun wall" '" .1 IIDJOmllt alp .... Im,JOYII')'O~ aIIIll ~. ~, UIIorIDlt "lIt accenlo crtIIlt. CaD u 1,41_u pflftell .pd..I. . . ACCOUNT SUMMARY CUSTOMER 5Ell.VICE PHONE NIJMBEll. PA YMINT INFORMATION Pnria.. -... fMH.13 1-800-280-0559 NEW BALANCE ~"":38 . Cndito .00 - r.y....to .00 A..n_ble Cndil $0.00 +lleItill .110 ACCO_ Number 41" lOGO 055081/30 Minimum PS)'IIIw $1,417.38 + FIN,l.NCIlCIIARCE 17.65 '_eDl Due Dole osml!lO + Lale CJwp .00 A...... IfIYNUAL Dail, SlafaaCDI Dlte~ + R'blrM. Cheek Char. ' .00 = JIlIW BALANCE $2,477.38 AeetlUD.l S_. DIlly PERCENTAGE '.ri.die 04/I7/DD , Bele... RATE R." 33 Da,rs I. -- 52,439.57 1.00'1. .6119.'. .tm_. C)'C1e 30'1"6000 ISZI 15Z1 9HOODOfJODODDDODOOOOO w.1N ftIlUI.......ctou '*............,.. THIS IS AN ATTEMPT TO COllEer A DEBT. ANY INFORMATION OB'fAINED WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. FAST, EASY PAYMI/'lTS!! Call us lm..c4Ia'.Jy II IIIl0mllt)'01l' pa)'1D11I1S ."reup oar 1M HI'IIc.. -je" '. ""--1 NOV. 30. 2000 1: 12PM PROV! D IAN NO.5218 P. 12/19 I ACCOUNT N1JMlIEI. 4168-1000-0550-8930 PAY\'IIlIENT DVE DA1I!: MINIMUM PAYMENT .t..~~"I'.' ",.1 .,.... 'U::!:':':;';';,;, .~~~.t~M.::~ ~,f""".,......"2 .,.......~ .~'~~~~~~~.~\~I~;;:;:.: AMOUNT ENCLOSIlD IS I Mab: Occks hI.1Ib: Ta flint Sde COIf."II.. JDNN SHILLINGSFDRD 2' CENTRAL ILVD CAMp HILL PA 17011-4210 '1&< I or I 000110 ... If you an: able to pal. your balanoc IN FULL BDW, the amount due is: 52,459.73 ~1ba1DDDD55Da~3DD2~S~73D2~S'73D ~----------------------------.-------------------------------------.-----.----- A.ctBI to ..h b enIIIllallllda1s WlrI.. IIIIqlq 10" PlI>1 5_....111II"'0 rAID m'.. ..oW kill l.ponl..1 $1" IDwarf l.prowlRlftllf _b reoan 1.11. IIftDrll1 JIlII...... .. ....11. CIII IS ,. .1..... ,.,.,.., .,...... " ACCOUNT SUMMARY CtJSTOMElt SERVICE PHONI! NUMBER PAYMENT INFOllMATION Pmi... .._ S2,41432 1.800.280-0559 NEW BALANCE S2,4SJ.~ . Cftdilr .00 . '-'BtI .00 A..hl~1o cr.dit $0.00 +1lI~1ts .00 _.... 1'1_ 41611000 0550 I!I'.lO MiDimum PIJIIIl:nt 12,459.73 + '~NANCB CHAIIQE 15.41 P~... IIuI Dolt O'lllJ/~O. + Laio CIIorc' .00 AY..... ANNUAl. o.~ + RIIum" Clltck CI!orcc .00 Sill_ca' D.I. = NEW BALANCE 51,459.73 Ace.... Bola... DIUIy PEIICENTACE Pul.dic 03/15(00 . '. BnI.... /lATe Ra.. S~.06 D 0.,.1. B...... . &0//% .021'% BIUIq c,.,. JII7676GOO 15%1 I~I _0?0ooooo00 00??oo w. _ "",Will ..q...." 1.........1.,.. TIllS IS AN ATTEMPT TO COlJ.ECT A DEBT. ANY INFORMATION OBTAINED WUJ.. BE USED FOR THE PURPOSE or COLLECTING THE DEBT. F.sT. EASY PAYMENTS!! elll .. blaI110""'" I' ....mll.Ylllr ,,,-11I1' Ibrallgll OUt ftft ""Ice. "'--, '. . NOV, 30. 2000 PROVIDIAN NO, 521 B 1: 13PM . ACCOUNT NUM.II .AlMBNT DV! DATE MINIMUM 'AlMENT' AMOUNT !NO-onD IS I ;!!;,'.r",i:rJ,~ r'..~I'...,.rli..'I.'.f.:..~..:,,1. ' ' , ~ -, .". 't~'~~" . ~ 1l~..-. ilo r:,~,',~;~~~'~.".','......,.'..~~... ....."...0..:, <,{..;:. .,... ',t.,., "",.. ~ . ~ , _ _ _ 4168-IOOtHSSO-ll930 Make QllolIs h1>Mo T. PI... Se.. Cat,DratlDD JDHN SHILLINGSFDRD 29 CENTRAL BLVD CAMP HILL PA 17Dll-~21D .If yoo arB ..... to pay yoUl ...._ IN FULL BOW. the amount due it. ....Iorl .- D! 52,444.32 ~1ba1DDDDSSDa'3DD2~~~32D2~~~32D ------------------------------------------------------.------------------------ .tCCISJlDmlIIlt IsftlltJllllalll.o.ays'torN.. 811"&1" JlIU' lint SlIuIlIIttDUllt 1~ a PAID lIallt wouN .. .. 'Imponut nlf lowaN.ll'lllpP\'I.. ~it crUlt llKlOr4. III. .....rIIl )'tar lCCCIt to CfCIlIII. OIl 010 ilJalS PJaacal .,'IaAS. . , ACCOUNT SUMMARY CUSTOMIiJl smVICE 'HONE NUMBER PAYMENT INFORMATION.' PmiDUI Balaan $2,429.0t 1-800-280-0559 Nl\.'W BALAN<:E $2,444.31 . CtediIs .00 .. PaJlI'4l:DII .00 Av.iIable C..oIit So.oo + Dtbi.. .00 ACCDunl NIIIIIbcI' 411111 1000 0550 8930 Minimum ,_.1It 52;444.32 + FlfMNCE CH.lltGE 1531 PI)1Dent Due Dale " ~11~/00 + I.Irt Cblrp .00 Am.1f ANNUAL nail,)' SI~~~".D2I. + a....... <:Ill'" CIIup .00 ~ NK~ BALANCE $2,444.31 Account Balance Ollill' PERCENTAGE Periodic 02/1510,0 :. Ballbee IUTli Rllto D DII,sl. a._ $2,409.00 UO.,. .0219% BUlla. Croll 307676000 1521 1521 _000000000000000000 ow... .......'........IIIIIIIdInIM... t.,.. THIS]S AN AtTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. FAST, ItA$Y PAYMENtSt! Cau u lDmdtuel, to IUI.D).lI)'OW paymtDl. 'Itrovt:h Oln' free service. . . 111~._,_ _.', p, 13/19 J " NOV. 30. 2000 1: 13PM PROVIDIAN NO. 5218- P. 15/19--- I ACColJNT Nt/Mila 4168-100041550-1930 PAYMINT DIlE DAlE MlNlMlJIII P"YMENT :~?~':.i~r.tl; .;. ;..~.~, !.--:.tt~tjf,~..~.11~' ;~~;~J~riMJ~i.Y: AMOUNT ENCLOSED IS I a1lk. a. hJUl. 1'0 I'IIlI Sol"" CI'....II.. - JOHN SHILLIN&SFORD 29 CENTRAL BLVD CAMP HILL PA 17011-4210 Pet. I .11 ...... Ir you ..e .bIe to p.Y your balance IN FULL ftDW,1fuI ......nt due iI: - 52,429.01 ~~ba~DDDDSSD6~3DD2~2'D~D2~c'D1D ----.----------------------------------------~-------~------------------------- Atocss to""" 10 .._Ia ....,.....N. Bthllal yo.r FInI Sllect "lUll fll rAID 1fI11I1.,." h.. IIIJIJ1UI Slip lowanIllIJ1'IWIac Jur crtdh NCIIn ... ftStOIlI. ".r lIaR' 10 ~ C..I IS ID lIJ!ass paf"W optlo... , . ACCOUNT SUMMARY CUSTOMER SERVICE PHONE Nt/M81iR PAYMENT INFORMATION Previe.. BIIance SZAlI.71 1-800-280.0559 N~BALANCE n,029.~1 . er.dilo .00 -p-- .00 A'Illilallb:cmlil $0,00 +DtIIilIl .00 A.ccount Number 416& 1000 0550 8930 MillilllulD ""_ 5%,4111.01 + lltvANCECHARGE 17.311 ""_ Due 0... G2//I/oo , + LaIe Qwp .00 A....... ANNUAL DoilY SlItaII.l, 1i:'1. + R.lUtllId Chcck Ch_ .GO ~ NIW BALANCIl $2,429.01 Ace.unIS.... DoilY 'ERCrNrAGll hriodi. OI~710.D 8....... RArE RI" 33 0...11 8...... 52,39/.66 8.00% , .11219% 11111'1 Cyd. 307676000 1511 1521 _""""00??oo000000 W.....~I.411IC1D1t...._"I'UIIIIIH..,.. THlS IS AN ATIEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THE PURPOSE OF COJ.p;CTING THE DEBT. MIll ,."..." Ill. wy WI' .IlY PHONE. Re .... fnr....ct .t utalllate JOur ,..,.111.1- Call U IlIllUne tt IlUlIIe fII.' 'IJm.1. "',mil -- ~ , '0 , I' ,~,' --~ NOV. 30. 2000 \: 13PM PROVIDIAN ACCOUNT NUMID 4168-1000.0550-8930 NO. 5218 PA>>tEN'f UUE UATE MINIMUM P,,>>tENT AMOUNT EI\InOSED IS I "" "~.'''''4;I~:O<'' ~1gih3'!'~~:;r:*~.~i\ ~H~ff~!tr}~r:i~~:~i; Mole C~"" .,,"Ie T. PI'" s_ Corp...".. - JUHN SHILLINGSFORD 29 CENTRAL IL VD CAMP HILL PA 17011-~210 If 10~ .... able '0 pay YOUl balllll.1 IN FULL 1l0000,lIuo ....1lIIIll....eo' PIC' I of I - $2,411.71 ~lb610DDOSSD6~3DDOO~bDQD2~1171D --------------._-----------------.--------------------------------------------- Wit.. ...., ........... bccaIIsc ,.... ha..I\', """"lei ill _ or our pa'IDI!Il' pl..... D.o.'.... ,110 m_y...rioc 11000111$ y",lte e.litlell 10, U DUdl...i. lIuo llIIelO8Cd br_are. Remember, we'll m.'da your Ilrsl paymenl - up to 1500.00 - dlpe.dinC on the plan you da....! PIlose <!IIi DO loday. WI can beIp y.u; " ACCOUNT SYM!'tARY .- CUSTOMEIl SIlIlVICE PHON' NIlIdBER PAYMENT INFORMATION \ .- NEW BALANCE $1,411.71 Previ,us aa... S2,376." 1-888.')24-2000 - erdlts .00 . P.,....... .00 . .....iIable Cndit so.oo + De.ilS .00 _unIN....... 416111000 OSSO 8930 Minimtlm Paym... $96.00 + TlN14rw;e CH14RGF. IS.62 , I;"_'DI D.. Olte 01If1!l~. + L.", Clwg. .'. U.OO A...... ANNUAL Dally + RtCUtllcd Check Chltp .00 StMtllQl Ds.... . NEW BALANCE' 52,411.7\ ARlant BalD"" DlliI1 PUC1!.NTAGE Peri.cIie 12/15/99.::, . Bol_. .ATH RI" 3lI1b.1S ,. - , S2,375.69 S.oo% .0119% BIO'"I CII'e 001lOO0000 1511 1511 2000ooo??oo_000000 w. -..;........ 1t.1daIe "'............,.. THIS IS AN A1TEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WIll BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. Mlb PUIIID"'.. EASY..,. IY PHONE. FSC olfen a free _Vie. to nlgm". JO-t P1JIICIIIS. . CIII 8. IIU.rrct .t make JOur P.'1lM1l1o -''''1M ~~ . .. r'l P. 16/19 I -- NOV. 30. 2000 1: 13PM PROVIDIAN ACCOUNT NUM8Q. 4168-IOOO..oS5O-8930 PAYMENT DUE D..TE ,MINIMtJM PAYMENt :: I '(, ':~"'{ II ~.,.' ":' .' .~. ~f~~~ ~.'."~ :'....~t~:$P5~"t.~, ;,...'o",.~ :.1"';'~~ '. . ..... .... JOHH SHILLINGSFORD 29 CENTRAL .iL VD CAHP HILL FA 17011-4210 rap Iof I llOOaO' 41bA1DDDDSSD6'30DDD'SDDD237bO'O NO.5 21 B AI'IOVNT END.OSED IS I Mon CII..u ''''''''0 Ta '1m s..... C....nlla. If you ate ...Ie to pay your "Ian.. IN FULL now. dill amount dUB iSI 52,376.09 -----------------------------------------------------------~------------------- WrI,. YU'/ concerned bocauI. JO. ha_'t .....n.d In on. of our p.ym...e pi.... OOD'tlo.. tho maney....inl knelle. you're ...lit.... to, .. oullined in the ...dosed brvdutt.. R_...., we'll m...,h your line p.Ylllf!le - 'up ,10 5500.00 . dopendlnc on lhe plan JOlt e1i.....1 , Pleu. ean us today. W.... help you. , TRANSACTIONS rb.t Da.te . DellcriDdan I&-25 CASH .<DVANCE noM. . AC tJlREO 8 lANCE PLEAS ON CA Tn.Dlactian Da.te' 1119%9110%599047617 0000 AmlllUll .... " 1_ :ACCOUNT SUMMARY CVSTOMER SERVICE PHONE NVMBER PAYMENT INFORMATION. Previ... BAJa_ 5.00 1-888-964-41,)00 NEW BALANCE ~~~6.Ot - Crtolito .00 ""_11 .00 A..iIablt en.. 50.00 -I De1tittt ~,36U' ......... Numltor 416111000 0550 .'30 Miainuma P.,...... S9s.00 .j. FlNANCB CH.tllGIi lJ.40 p.",...e Due OlIO '.',%lI"" + '- CIuIrp .00 A~.. .tNNU.t1.. Dan, . SllIiUlIDI Qatt! + a....d Clleck aUl. .oe = NEW BALANCE S2,376.G9 A.ccount &aI.no Ilai\Y I'ERCIiNr.tG/i Peri.die 11/1$,,, lalaDeIl ...rE R... 51,08l1.5'1 ~ Days I' - LOO% .021'% llIlloIC"" OOGOOoooo 15U 1511 100000ooo00000000_ We....... .....II! 1Id11......'."* , TIllS IS AN ATTEMPT TO COlJ..ECf A DEBT. ANY INFORMATION OBl:AlNED WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. Mako ,11'...... "0 rAn'...., . BY 'RONE. FSC Off.., a fno sll'4ce II IIlIDlDat. your pYllUlS. Call IS 181"'_ II IIIIlb Jlllr pJfPem. '. '... -"~ ~, P. 17/19 I . .... ,'.- . , . . '- --"-."~ = . NOV. 30. 2000 1: 14PM PROVIDIAN . , NO.5 218-P. 18/19 Account State~ent ..,.. II . '~'.. . iiii<ii~_'!iY';>"'",:;" '" _ber 12, 1999 IIh" q \;~~~; . '.'~. . f,i, ..' ",^..~."..:~!,,:; ~~,,~~ ~...~\~:..:. 52,384.89 ; .~4~iQJ.:.:: 14114.00 ... 4816 5700 oio2 8228 _..zaOl 11.11. oiloC'" pa,.blolo: ASSOCIATES ,. .. ~bl~S?OD~'02a22aD23b~b'OD~a~OOl&20000 JOHN SHILLINGaFORO 29 celTllAL DLVO CAMP HILL, PA 17011.4210 000:193 a.. cr' moun . fJf Po""."t Ene.....;.. " $ ASSOCIATES NATIONAL BANK ,IPeLAWAlIE) PROCESSING CENTER OES MOlllES, fA S0363.2200 1,'.I,II"IlII1"lIl1l1l1l11lillll,llI,"11",',',,' Plltfo 'Idfl...ctl..." ~~ -.PJ!lUlldJllCftll.... , .......... 4(l1. 57>>0 49.Q2.822!l ................o.w. i0/18/fS99 ......m.....".... 30 : ....~~m\t;~r#.. ., U:::-:::...~ " ~~.}j\r:.1~.l1;.~!~~~tr l . ~rjjLi1~ :'~'~f:rs~i:';~~1;~!:o.;s1:::...~~~;~~;.:i::~"''':'~ ,:... ~~S' . ..: _:,',=',::,::,~","::""" ."'~~..i:~~ ,;~:p,;;, '1~':":'j'-:-;""l~;;:;'Iil::':"liti .~.. . ......~... ,. .. ".,....,.. ~.' ;:;:;'1" 'li~l~~.f:~f'~"\O:'j.'" ~'{::""'~'~~"'...r"I..,..,I't".~1 ~ .-... . ,.......~. :" . .., _. c., :;;,:,_~~!1::-".ll......;. ;I"if. . . .~;'\:"9'TI:I.:':'t,;y,;~,. "';\".' . .. t,"... '.' .m. .r' ,,: i;:', :~..{.~:!.r.::'Jic.~~.l;:~~'?1.~:.? ..~tA..:f:: '! ,::,~' ':''':-':~~'::lS;:'S:..:';'' :"~::';::~: ,. ~ .. .,~ :?,.,.._....~:;:.""..: ~~~~':I::"'::': .....:'t:. :':. ':. : :..?~'~.':~'~\::~~~;.::"~h~;~~'~~:~~t~~!~~;~~:~f:: ';~'\1; ;~~:~,: ':~:.!~';'f:~'(:~ Pm... 1'- I .,~....... I' lliIoo.o s_ SZ,3lJ..e' 0.00 0.00 . ...... I'FlHANC~ I CHARGE 0.00 0.00 .,..., I ~. 0.'0 .....- 541,364.89 lfl .' '" ,'" T' '. .' : '.::::~~ ' ':. = ~::'~~~~'~~~~~f;~~~~~r:'::I~I~~::~t,:'~: !~l;".~.:"~:::1:~~;~~i.~ 'lm.ji" . 'QM'" ..'irilci ~mation. :~J:'~,,,,~ $'~~,( ::.:::-.~_....:.: .:. :~: . .. : e_S..!pd 0." r.om,oojiq "'lodio Fiowr ANNUAL T.'.... CIItgo ....iIdic Ao"'" ,- CAogt PERCENTAGE MElItOo: c' R~. '...!tIlI CMIto RA~j - 1.02'1110 ..... "'.- O.Qtlg\Q ..... ~"l...... &IOetOl"plIN"~"l\I"" tCillMI '" YolI_,..."IM........"'IftII:.... rIIllI\ftlPtrmk:~",...Ot.Ip.. r..f'4IftIrlC,...I..,.....1tj ...... ... ";'WI ~~I .. -,~ ~.Q~.i~~~~f~p;eii.'" iTC.;.:~~;::~:~i~~r.~~f CU"lfIt AmO\lllI eult. $44.00 PaS! Due AmDunt . 1440.00 Total"'",.unt Cu. 548..00 Cu. 0a1O . . . 11/12/1999 New Bar.... . 12,384.69 TollllCMRUn. 53.100.00 AvaUablt CradilllnR so. DO Available COl5h 1..111" S~.llQ - -, ~- NOY. 30. 2000 1: I4PM " P~OYWIAN . ' . . 'NO, 521S-P, 19/19 Account. Statement '- ,0 .cc:ou. .:,....,.,'._..;} ~.;7.M;,:t;:\:/j: 'B16 5100 4002 8226 52,364.89 :100""':" ' 'A"'~bt Dii_ S4'0.00 U" If" &II fI " OJ Male "beel\S p..,._ to: ASSOCIATliS ~blbS?OO~'02822a023b~b'OO~~0001820000 001151 I P_~~~-'] : iiaI'iMnUll"ici~' i JOHN SHIlLINGSFORD 29 CENTftAL BLVD CAMP HILL, PA 11011.4210 ASSOCIAHS NATIONAL SNlK (DELAWARE) PROCESSING CENTER Des MOINes, IA 50363.2206 1.',',11","11"11,",,11,,.1.'..1,11/.,,11,.,1,1..1 PMII.I4It",'''6'Jg.'UOV& . ",...llu,ohMrL ~ "',_ 4G1B 5700 411112 8228 ........C1......~ 011/1811. 0...'"....._ 16 :~lij.'h:~:~~.~~:6:.i:;~};~\~~~~~~f!:~~;~Tj!jr!41}iUffft?1r;~7:i.~~?~:~:.~ ;~~:;~W':!:::~:; ;1::. ..::t~ :~,',~'~~~~~<::'?~~~:€1t:~~\a~m:~t.t};::0' ~~~fi~l'~'.:~i.~;;':~ .~~..j ~ ,;:,1 .: ..~,... :':r,:l:~~': :'.t'~'a.:.:.:~-=~it:.ifJ.~~:.~I'!'i!l.~}7P.~~~~.;'~::;~'::~.~ ~~. : ,,_ .... '.' :: ...~~~:;...~'IJl', ... .~~:Jr ',~c N;:"I:", . ,.. ... ". "'-~""I'" '}'l~"""";" ....~.,. ,-. " . - . .;.1..1.....'... ...,,~1~ .~..40 ..........:"\._,.( .'.....;. .;,.. ..'.' ...~. .y .t..~... ",",!.,..~W""'7:-.r,.'" I".' . """"'. J'M S2J~G4,'9 I ~~ ""'-1 0.00 0.00 . -, ,. FINANCE I CHARGE 0.00 0.00 .,.,.. I .......... I4inIlIltllls -, , 0.00 sa.364.a~ 'F,!,,~licif~ha,.iiit~Jlt~ijiW...ili;t'" "',.:. ~~,,;' : ;: '. ~.::~ ~ :~':~~~t'M~~~ ~~:''':J::':~'l:.:. : '., " . . ..' ....1........ " " _s_ o.., c:,....,..... '- Flo_ Al/tlUA~ TcrFilWaQlllp ,...... -.. F'_ CIwIo PERCENTAGE UE1'HDO; C' P.. ..........RIIt """ RAn ..- D.o~Ota ..nft , c..._. 8.mlla ..... "' .. - ._........_..~-.. PACe 1 OP I 'YOII""'lUllI't(,III:IQ/,!I"~llI", ~, ,~ '. m,...,~ : ~i~~;'~~.~I:~~~J\~~\?::~~;':~: .~'~:~:~~?~f.4 Curr."lAmol.tl'll Due. SA4.00 Past CUa Amoun, . $396. DC TOIllI-AmauI\t Cue, SA40.00 0","'.18 . . . '01'3/1999 New Balan... 12,3B4.69 Tola' Ctedil Une . . $3,100.00 A...,.II. Credll LIn. , SO.OC Avea.bla Casll In.. ~O.oU ...... "l ~~ " . . ,~~ . . " ~ " , ,-", ,,- "~~~'^ '--,," o r: ~?/:.,'1- ....~- i ~~'-' ~ r~' i1~jl ~ ,~h ~,.~, ~""'''_~'!!lo/I~~ ~_"~ ,~""""~. "___""HH'Uil c~ ~ <"-J -J f 0-, -. ') 1 J .. !----..:. ,,.__1'/ ., ..-) ; ,'-:_'i[> .lJ .:;" c:-~ _:-j __".--'c.:, C5r;--1 '-:;"-1 S " t:~~'j :.v .,-. !lm'9~IIl!l\flI'lI!~~E -- -.. '~~\;lr' ~ '"--". 1--"': U_~:- ..~ . I L... C1 ~- _. _'~~.'~-"O-._-,"'I"."_-"'''"'''-'~~~''';/~''"ii(l..'l,';lY~I-i.'''fO'''~._'_,;'i'M~d.-'tli"t';I,!,!",-;'2:~,*J{~~~~~f:t?i~;~2~~~!JIll.7_'-1~i~~i~-:a~~~~~ (-r: (.....~J ?: 3~~ c_-';, cO-- '.D ?i) ~'~,I ./ ,[' 7': t~J _~__l ~~::-J... ''5 () c' L~-' ~~ C::1 ~ i l- if- l"".,~.~ ~-- ~ ''''''~'Illl~n -~~ PARK LAW ASSOCIATES A PR<1ESSIONA~ PORPORATION '" . " i '- ,..-I!';~ ~P' ~ z ~ ~Qo """ ';;(~ c( U3t:: Z o a..~"'~Q r.n c;:,...,,,,,~~ '" UOtJ:l~i;;lIJ -< o::xz.,:. ;;(t5~m~ 3: 5~d~~ j~Via.:s:~ ~~~ ~ ~w ~ o..~ > ~< 8 ~~I"'~' ~rt'i*,,:~tr- i ~~l'lIIP~~'''"'-' VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET, P.O. BOX l779 DOYLESTOWN, PA l890l (2l5) 348-5200 ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY COURT OF COMMON PLEAS FIRST SELECT CORPORATION Plaintiff VS JOHN SHILLINGS FORD Defendant NO. 2000-0l265 PRAECIPE TO SETTLE, DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above captioned matter settled, discontinued and ended upon payment of your costs. ASSOCIATES, P.C. BY: VALERIE ROSENBLUTH PARK 17 '\:~ " ,~ "1-- - lil !"O"-_"~ "'"' ,>"""" ~,~" '< "~ - " ~" ~- ""- ,~, """ h__ ~ ,~_III{;l_.".,< ',^." '"'",",""~#"'"' ~'O'"' """'"IHn '''It t~) ~', ; o ~; -Qt.')"; n!r~--i ~:~~ ' ('j').'<-- -<- - C":L: " ~f~ C., L-. ',~' :-~ (:c-:) I',' ~~ ~I!J~~< Jln.~ . , VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D, #72094 PARK LAW ASSOCIATES, P.C. 25 E. State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND, PENNSYLVANIA FIRST SELECT CORPORATION Plaintiff \ .. VS. JOHN SHILLINGS FORD Defendant NO. 2000-01265 MEMORANDUM OF LAW I. HISTORY OF THE CASE: A Civil Action was filed on 03/06/2000 requesting Judgment against the Defendant in the principal amount of $2,411.71 plus attorney's fees of $482.34 plus interest from 12/16/1999 at the contract rate of 8.00% per annum and costs of this action. Defendant was served with a true and correct copy of the civil Action on 03/13/2000. Defendant filed an answer. Thereafter, Plaintiff served a Request for Admissions upon Defendant on. To date, Defendant has not responded to said Request for Admissions and Interrogatories. II. QUESTION INVOLVED: Is the Plaintiff entitled to Summary Judgment in accordance with Pennsylvania Rule of civil Procedure No. 1035 as a result of the Defendant's failure to respond to the Plaintiff's Request for Admissions within thirty (30) days as mandated by Pennsylvania Rule of Civil Procedure No. 4014, thus causing no genuine issue as to any material fact. SUGGESTED ANSWER: YES III. ARGUMENT: ;i!!,!"",~_ _ ~ " ~~,. "I~"-''' Pennsylvania Rule of Civil Procedure No. 1035 states that after the pleadings are closed, but within such time as not to delay the trial, any party may move for Summary Judgment. Summary Judgment will be granted if there is no genuine issue as to any material fact and the moving party is entitled to Judgment as a matter of law. Pennsylvania Courts have developed rules in helping them decide when there is no genuine issue of any material fact. First, the records must be examined in the light most favorable to the non-moving party. Second, all well pleaded facts in the non -moving party I s pleading are deemed accepted as trl!e. Ritmanich, et al. v. Jonnel Enterprises, Inc., et al. 219 Pa.Super. 203 (1971). Third, the moving party has the burden of proof. Fourth, the Court must give the non-moving party the benefit of any inferences that can be drawn from the pleadings,in any other support evidence. Kent v. Miller, 222 Pa. Super. 393 (1973); Pocono Int'l Raceway, Inc. v. Pocono Produce, 503 Pa. 80, 468 A.2d 268 (1983). However, the non-moving party may not rely merely upon controverted allegations of the pleadings but must set forth specific facts by way of affidavit or in some other way as provided by Rule demonstrating that a genuine issue exists. Ressler v. Jones Motor Co., Inc., 337 Pa.Super 602, 487 A.2d 424 (1985). If there are no issues of material fact and moving party is entitled to judgment as a matter of law, summary judgment must be granted. Marriscotti v. Tinari, 335 Pa.Super 599, 485 A.2d 56 (1984) . Numerous cases have held that a failure to answer a Request for Admission will provide admitted facts for a Motion for Summary Judgment. Innovate, Inc. v.United Parcel Service, 275 Pa.Super. 276, 418 A.2d 720 (1980). See also Civic Center Investors v. REP, Inc., 59 D & C 2d 105 (1971); Central Counties Bank v. Robinson, 14 Centre L.J., 217 (1979). Pennsylvania Rules of Civil Procedure 4014(b) states that the matter is admitted unless within thirty (30) days the party to whom the Request for Admission is addressed giv~s a sworn answer or objection. Non-answered Request for Admissions are established as fact for the purposes of the instant lawsuit. See civic Center Investors, Supra at 106. The Plaintiff can rely solely on facts admitted through the failure to respond to the Request for Admissions. Only affidavits, depositions, or interrogatories are prohibited from' being the sole foundation for the Motion for Summary Judgment. Rivoli Theatre Co. v. Allison, 366 Pa. 343 (1959). Since the facts in the Request for Admissions are deemed admitted, Summary Judgment must be granted, if there is no genuine issue of material fact. ~~,- - ~ ~ ~ In this action, as a result of the Request for Admissions being deemed admitted, the Defendant has admitted the following: 1. As of 12/16/1999 Defendant was indebted to the Plaintiff in the amount of $2,411.71. 2. Defendant used Plaintiff's credit account to obtain goods and/or services. 3. That there are no offsets or credits which are due the defendant from the Plaintiff., 4. That Defendant has not paid Plaintiff any payments for goods and/or services obtained through the use of the credi t account since 12/16/1999. 5. That Defendant agreed to pay Plaintiff reasonable collection costs or attorney's fees incurred to collect any delinquent or past due balance. 6. That Plaintiff's attorney's fee of $482.34 requested in Plaintiff's Complaint is a reasonable attorney fee to effectuate collection of the past due balance. 7. That pursuant to the terms of the credit Account Agreement, Defendant agreed to Plaintiff's interest rate which was 8.00% at the time of the default. 8. That there are no facts on which defendant relies as a basis for any defense in this action. 9. That there are no documents, writings, papers, or letters which Defendant intends to utilize as evidence of or as a basis for any defense in this action. 10. That attached hereto, made a part hereof are true and correct copies of the records of the Plaintiff showing the charges and credits incurred through use of the credit account, and that true and correct copies of said statements are attached to Plaintiff's Request for Admissions. Given the above admissions, there are no genuine facts at issue in this case. The Defendant may argue that since it answered the Complaint, thereby denying all the Plaintiff asked for in its Request for Admissions, there was no reason to duplicate its answers. However, in both Innovate and Ressler, supra, the Pennsylvania Superior Court was faced with a similar issue. In Innovate, the Defendant denied in a deposition prior to the Request for Admission what the Plaintiff requested to be admitted. The Court held that even if the deposition is at variance with the Request for Admissions, the later must be answered. If the Request for Admissions are not answered, then the non-responding party runs the risk that the facts set forth in the Request for Admissions will be conclusively binding on it. Innovate, 418 A.2d at 723. In this action, there are no _"~-A~ l I~ - - '?-, depositions which are at variance with the Plaintiff's Request for Admissions. Similarly, the Answers to the Complaint are not more conclusive than the admitted facts due the Defendant's failure to respond to the Request for Admissions. WHEREFORE, Plaintiff respectfully requests that this Honorable Court enter Judgment in its favor and against the Defendant for $2,411.71 plus interest at the contract rate of 8.00% per annum from 12/16/1999, plus reasonable attorney's fee in the amount of $482.34, plus costs. PARK LAW ASSOCIATES, P.C. BY: I~' VALERIE ROSENBLUTH PARK, ESQUIRE '-"''''''"'''''''-'~ - I .~""" < ~ ~t'I"_"'"''''