HomeMy WebLinkAbout07-0549e
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff No: Q~`f - ~~ ~lC~~ C~
~'-- - /
vs.
COMPLAINT IN CIVIL ACTION
CINDY S WILLIARD
Defendant FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 2718
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
05414491 C A Pit CXC
IN THE COURT OF COMMON PLEASCIVIL DBIVISION COUNTY, PENNSYLVANIA
CAPITAL ONE BANK
Plaintiff
vs.
CINDY S WILLIARD
Defendant
Civil Action No
COMPLAINT AND NOTICE TO DEFEND
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 objections 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 any other claim 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.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, CAPITAL ONE BANK is a corporation with offices at 6851
JERICHO TURNPIKE #190 SYOSSET NY 11791 .
2. Defendant is adult individual(s) residing at the address listed
below:
CINDY S WILLIARD
304 4TH ST
SUMMERDALE, PA 17093
3. Defendant applied for and received a credit card bearing the
account number 4388641775019099
4. Defendant made use of said credit card and has a current balance
due of $2579.53 as of January 16, 2007 .
5. Defendant is in default by failing to make monthly payments when
due. As such, the entire balance is immediately due and payable to
Plaintiff.
6. Plaintiff is entitled to the addition of interest at the rate of
25.9000 per annum on the unpaid balance from January 16, 2007 A copy
of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1" and
made a part hereof.
7. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the balance due to Plaintiff.
Wherefore, the Plaintiff prays for judgment in its favor and
against Defendant CINDY S WILLIARD INDIVIDUALLY in the amount of
$2579.53 with continuing interest thereon at the rate of 25.900% per
annum from January 16, 2007 plus costs.
James C. !Wa brocit, 4~5L~
WELTMAN,f'WEI BERG & REIS CO., L.P.A.
436 Seventh venue, Suite 2718
Pittsbur~'gh, A 15219
(412) x'34-7 55
FAX: 4~2-3 8-7130
05414491 A Pit CXC
This law firm is a debt collector attempt to collect this debt for
our client and any information obtained w 1 be used for that purpose.
~~~~ ~~~Q~~ l ~~ ~~~~ ~~~~~~• --. to make a payme~dit with us, you need
~(~ WQ~t ~Q hefp( •~ we can help-but orrty if you call us.
Y ==YVhen you catt, you can make z Free
check-by-phone payment.
Return your accourrt to good starsding.
!t's up to you to tai:e the first step.
~•1 Calt us//E~~ (~, /, 7(}
~ '~,5atie~n~ ~'~VtJ-47g-231
054n20."
Gc~~if~c3~t~~`
Accotmt Sttmlxtars
Prn~ou. balance £i.1J~.:.i
Pamtems, Credits and Aditlsments f.r
Transactions fC•4 Y'
Ftrarce Cha:gr_ f~S•`-'
Neu baance (1.194.45
Minnr:wr Amount Due fl,lv4,45
Pavmen; Due Date Septembc 03, 200'
Tots; Credi: Lint f?(10
~' oral .4~ailarie Credit b.(10
Credit Line for Cash £:UO
.4vaiiable Credit for Cash f•~
At vow sen•ice
To aS ws:ome Rdar;nn:. or :o rep.+n 1 luzl or :rolm mrd
1-500-903-3631
For frG• online. ucoum :emice an d sreaal eunomc o5c.., )~~ or. la
w.~.n)u:a)onr_a.n~
Su+d lrevmmu ro: Send inquiries m:
.42tn: Rvoinanx Froca><*,
t:aoitil Gne Service Ca}dvJ Ga Sm•irG
F.O. fln:: 851ei P.O. Boz 85015
Ridm~m+d, l'.A 2iyi6 R;dunond. ~'-4 2i:$>-SOL'
lmno:.ant Acinunt Information
Did 1'ou knew? Capita Une offers more than iust credit card
products. lr.'irh more than 4~ ^iillion atrnurns, Capita Une
provides vatablr fit:an~a solurieas- inr]udirtg auto loans,
personal loans, CDs, money mazket actotmK and mot.- tc
one out of evert t}vee homes ir, the L1.5.
<~ ~. C_
~. ,~ r.
~~/ ~ `.
f.
Capita-O7~e"
t~fs;4 coL~ Accoir>\T
4388-G47i-:'SU1-909°
lUL 04 - AC!G 03, zoa3
Page ] of i
Patalenrs, Credivc and Aditstmenn
This is ores third and 5rla notice that vot¢ axotlnt i. sainusly pas. due. Pzvrtient must be received u•tthin ~2
bnu.-s tc avoid aeon by otn collection departnKm.
Transaction
1 (>ti TUL Ol'ER1,IN1I7 FEE (24'00
?S.G:•
2 c~3.4UC• 1;aST DUE FEE
Capital Onc is proud tc sappxt'7-he Heart of ArneTira~ Foundation, heipinF childrer. lemon to read,
succeed, and make a difference ir, :he world. In 2403, we gathered oeativ fl million worth of books
for childrer, in need. To learn more aoout hew you cm help a chile make reading z 1lelong passim.,
visit u'u-u~.hear[nfanteriaorg.
You wcr asse~ed a pzst due lee of fa5.(YO of OS!G3%2U03 berausr votes nnrumum patment was not
received br rite due date of 0&/G2%20L'~. To avoid this fee in the furtn'c we recommend t`rat v~u
allow- at leas; i busincs 3a<5 for votes pa~•nxtn tc reach Capin: line.
EXHIBIT
~~r~~`~~
~~.~~~ ~~
~,%t
~~~ Clya~
~'~'6"' Plcrt.+r .+er rrnrrv rid :jar :mf+oY•anr iniorreNiur,
~:~ RT+ CO" C~~~~~
PURCH.45e.5
CASH (430.(4
(515. i .G709fA 2.W'9n si3.RS
.o704i,4~ 2i.Y04^ f11.3;
.q_RNU.4L PERCE~'TAGE RATE app3icd ihi~ period
2~ ~I09u
• PLEA$E REi'CtR'~ PUR?'iGK SE~b~'~~t'?T:y PAS?+dENT.
0000000 0 4388641775019099 03 1194440076001194493
tiew 5aanrx f'_.'_44 a4
Niinvnttm .4mnunt Due (1,195.49
Payment inlr Datr Sepvmbe: 03.2a~S
1 ores encJnsed f ~~
Acalunt?~umber. 43SF-Wl i-i5t11-909'.'
?'item nriz.• rraii;at muss e..:-m r-mnu :irrt^e. cries ume viu~ ow.+~~ +nG
..,.x, .4c'. t
%iame Fnou• /5erna, . n.n.
r 902 "_55~18e3 1:5145€ Pit..L ~L: _N_trM3Er-
O.~
?.:,. sir: e5.4- 6tldldlld11611"l r. -~ s1P:r>~a>~,:..~ ?z : ,os~-; ~ Re,
Ricninoac. 'S_4v~?5 v F {
llltl{tl{{[Iitlllltll[ltllttlftlttll{lellll to 111111tt1111t11/l y ~~ {Ile{ttlllttflll{Itr1liltet{11lt111{{11{1{1111{1111{etll It6
Picam ;rrefr irore erruxn; rura0a on Irotr Ju.:t m morn preset m-^~ „a,;en.'r ro Cef~i:a; Cnu iiarlr uru rr..u:'. n tit cn.:lo.r envri yK
i
zooz Capital One Services, Enc. Capi~i One is a Federally registered service mark. AU rights reserved.
sE=
~~
~~
~I•
eiiudc ma. Ta dnein he eveage Cagy bnlarce toi rnC
out acuroun it 1: ras sirrredt' ~^ ntaeE. ion examde,
is you aurron:ea n 7nrdusr hom s madam anE we I,
j ' Now 7o Avoid A F n Ohaya.
t s. Grace Paod. Vori vrili nave a mimmum grace pate o`
~e~l : bun nod covareE D d:9 natemem, vaE ores des
erg Oa Y
Dalerrce o7 eer3i segman each ray. add en 9M
imr
ia
w I
oe eccaxn wig berreopxad,
Go
efdr
trb
l
N
e
B
,
^5 mya whrorx frorcE charge or. new' purrlwsea, clew
raw' epann. puledaaes and new other
balance trait9inre
~f p
p
°
Purs ors the trop! of m's
deE ~m
~1H
h
u°ReEn nen
e
86
. Y
lt
r1
x tr
me amour of Mt Crarpe wan ce arbed tc Wu: eceourn.
i6 e
I7
h
,
~
~~ darpes ii vnu WY Vpw lmai 'New' Balance", N
orters Nmi~ to peymemE plow',
IN The Im e co
t
e
P
s[ntamerrt hex m 'Balance Rae Applied TD: sue 8198
C iri
l
i
i
n ere
t
errE you wall be regwraibk tar W ymem
Y~~ ~
'
l
i
m
p
Ys axOrdrrtce w
and in time im n to be eredted by vou+ rexi nneman
nce
h
d rr
W
6
pe
each
off r eh sepnem.! TI: peas rthe doily Oeurax oi .
. omit the
.
bY leve
~ mad
to oe crargetl, rorro exra
nce Ices boen parE in hdl es defireE above.
l
b
rai
va
a
r~i doainp date. There is ro Prece Pala m txa
ntl spade' transfers In addnion flare k ro 9ace panes
~ Taal, we add up ell The dsbv bdarrces is ead~
~~'~
riod arc dvi[te by fire total
illi a
cxrm+
a
?. Usng Vera Aetvat.YOUr card or sccoan cancel ba I
e
pri Any itercsnlon 11 yon d0 era WV NE teal ~New•
' ng pe
for 1hE b
Rapm
nrnlbei o7 dayx in the billirrp Pena Tha ¢ves us rtre
used b. eorarenion with any imerfa' Pamdirrp
rKACria1S
n
Delenx'
T rattwnions vlrach ale roi
~~ 5. Aearunp Fnarw CiarDa.
eriod me assessed fawrce rdarge '1
aveagE tldly Dntance d eeC~ Repmant.
3. irrnuM Parxahppe Rnas IAPRI
s' as
re
'
"
.
a
BILLING RIGHTS SUMMARY
axajen to a prate p
= iron the fine o7 [he tremaniar or 2) from its time lire meY app
rercaanape Ra
Accrual
a. The term
'APR' rn ma harm o! ttts natemem (In Case CY Ertore Or Uumtiaa Above Vour 61111 I
OU Head moue
or i1
tmraanion is Prtrce9sM to yow Aexwn or 31 tram tM
fire gieMai day of the cohere billrrg Pniod. Addnioraliy,
I b. H rte cotls p (primal. L i3-mo. UB:rRi, C IOertifiute of
r 5 fBankcarp Pnmei appears m ltie learn o: v
It you hunt. Vow Mtl is wrong,
I
infirtnstbn on a rrerttanion o~ bdl, wine u. uc on a
i0i
dd
~ i7 you cad riot W v the 'New Belarce' hom the Dreaous
~ WNing Pena In fret, finarce fSrargef crseirxre to A^.Crrre 1[.
~ Deportl. o
tlri9 nnlemmn nexi In [re penfrdG relP.tSl. ihE period=
atdng ANNUAL PERCEhTAGi RATES
res
d I
ress
SEW race Chan ax anM a9 ptrfnde al the a
mgiaries sltuwa~ on the fraa of this euteuarTt. We must
pu the
t
fi
~_ j yow wpaic Dakota nail fire rauaic balance rs paid am iWt.
means tlar you mat' adll owe firance charges. ever. if
Tr p
cof
rams An
mnv very elupnMy and may increase or decrease base
d in Inc WeC Sweet
r er wa sen
v
real from Vou ro later trap 60 days e
II
e
m
es
i You WY the arrtire Naw Balnce irrdened m Les hmt o7
the tax' nnanas doterg date, bUl ditl
b
~ oo
on the need tldcas, ns
Jnrma.', drat the ma~
~
of Vwr
da
K on fe
bar ao wig not
~~ Rektiorrc n
o
oreaervE ywi ngma. In your Iene1, pee us the ldlowirq
y
vour nnemem
i
i rim ro w fo' 27re ore»ors moms. lJrcaid frarce charges y
me
i
eh
Ttast dtsngtt vw ~
covered Dt' You' perioetC nnrrrrtaan ersing
Wllirig period ':
intormstipn: your name arr0 necoue number, des filar
r
d
~
r
_~
are stMed to the rlppiiude nepnem o7 Vow A~corm.
aAiisaarn Fltaru Chrgs. Foi Been Wltrrp period teat
}
! .
ire she made Jsnuert'. Apol. July rid Unaoei.
UBURi or G t3"mo
F It-mo
Pd
i a
amraan tit the Respecte
YOU believe there is I
wary
de. ot
aM An e>mlanetion, it pose)
f
c,
,
.~- your accent is slAien ro a fuvUrce large, a midmrxn
50 wRl be imposed- It the
f 90
ARG"
~~ ' .
me
.
c. I7 tla coon U 1
LIBOR RePnted MomNy) appeals on ila irom of ypW
a
~ an ertv: ur i1 yw need mesa information. a descapiron o
t
c
p y~n1' i
a
.
[ o
teal FINANCE CH
teal finance charge resatirrg hom the app5cation n7 your
h nnemem hex, to ~4 dPERtCENiAGE R TEAS m
ey
aro CORe$Ialdrtp b
w
vve sere mveslrpata5 h,
amour: i^ queer wtak
f e
s o
e
prnodiC ral@l9) I6 IeaS Nan 90.50, vre vela fubiran t
amwn hom the 9C.50 mii:rrwm nrd the dNerertce will be _
ra mttasd n The tvaU Srnx~ purest, dues
u
t
e
rdrvsn i
yun puesuon, rrt
ai qunsriur.~ While wE invesups e
the
dl
broad m the purchase aapr^Eax of your a=xon
t d Tarrgvary RaAaetien :t F purge. We texrve the
1
a
'
ixiT' tined
t
c
a.
the mar 'n eviouaiv dadOSaO to You. T ~cnanlFx
p Dt
wan be ettenwE m NE fire deY of your bn od en
ns deinrquent a ute spy apron to c
capon you
amrnn. you quen~m. I
oi
M
p
right o mt assess enY or al: iina[xiE darpes eadi momA.
~ i W tarp pen W.
d
l
' 4 Assaannam e/ Lte. wad:na sd Rahnrl Payers Faes. : + Spedai Rule For Credt (:erE Purcrases
'
aasac
•
np New W
I 1 Average Deal Bsrwe Ifradud
... a. Finance durpe ix ralaAeta bt' mtnidYlrrP the deny
h
~~ you' aCLOllm vela be eSSeBSed ro mprt Ilan 1wT pi TfC Tana
lined here tM: ocax Wring any bieinp period Jrdn tree ~
ou have a Problem vdN the qudiry of propar.Y or i
H
I, balance of eedr 9epman_ of your accpun le.p., rsa
ero spacial purdase)
i u
r6ler tertne of your ¢unomer egrterrrran, voe reserve the right to
i y
services teat you puredtesad wiN a cred+ card and yes j
.
e
advance. purdax, apeca
by tea corresporrdrg daily Panat6c mNci Nat pas been m to
waive or not to assess snY tees caiman pda rgtiiot
tnow wa~anp ow npln to essesa the same or amikr ~~ died in pond tahn to =green tees Problem v+im ttrE
nave the rips rim to Pav tees remair:ng I
ou ma
m
d
~~ I previouay daauaa to vuu. 4t the end of each dsv Wring
d= rate lot eaci~ you wn
feet et a I ., y
y
ta
mer
amount lire an 1tM PtopenV or sarvicea. You ravE iNe '
~ The biltrlp period. vve apply Ne lady pare
aepnent ni yppl YCCOpra t0 the Dally iaan[Y of Bad1 Yea AewuR. 11 a member9hD tea
5."rRerawstp _
m
a
3 prae[xion only when Ne Irndax. Price was more than
!16 and me pwdase vms made in your IvArre sate tit j
x50
~ xpmem. Tlr~ et des end o1 the Wliirrp padod, we add up
Wr
n ;
aPp
Wu to
m tfte ate the ~ when was mailed to
~1'E .
`MtlBn 10.x, milax nl your mainnp Addr889. (1f wE Uwe M
y
~ The reellla d tease daily =nlCWeliafE to arnva
~~ j penodc fiMrce charge fur earn aspnrem. We add up tea
d ~ y~ or 1o have aCn Ina CInd1Bd 1n yOU
vwd WYi^F
s vov carxN you eeearn: Cruratp thix paned, you may operate fire metchem, m 17 we malietl you the
adrortiaemem tm the orcaenv or services, NI purrdasae j
c
~ reRUU from eocti segmem to arrive n Ne toW perlo
~c gn the dWV Mknce
accasn
f cnnriax rn taaa your accnum whrv-rw Mving to Wy the covered repardms of emoum a locevon o1 purchnae.; i
.
or Vow
~~ finRrrce cnxrge
tie i fit each sepnem o7 Vow s==een, eve rate the Depira:rq
nioras membelidtip tee. Te ;,ancei vow accuu i. you epos
f ~nmam
nmiN us by catirtg ow Gusteane Piensa remember io aig[r all conesporderce.
-~ ~ balance tot each aepmam srd add any raw traee
'
rd env penod'•c erertce large celcWna ono Dreviora tJl rcxdud
mad paV vas New'. ~o ~ end of tree tnrr~-dnv ronod
Y j fix; no; apnty ro ronsumw non-crodir card eccoums
I
dsv's Wlerrce br Nat aepnem we then salt n err'
ai del' iM eie Allocated
osed 8s of 1'
di rtmberdtip teal poor
5. N you Cbse Yea AoaaaR. Vou tan raques to dose
u
:lines nor eapry ro tic. pass xn-crer7t, ceml nrcnwas
.
tf p
peymems or cre
to the sepmern. This gives us Ne a~amte dsiy Wance
nrd drE
n rxtc
Yro' axaan by camnp our Custanei Rate
UeWnmmn. You mus denruv vour nedh catrfls) and
I
i
yes: P
for earth regnant of yow accoum. Hoyever.
New BNatxe 9rowr on Your Prcvious nnanmr A NI log as ~~ usn+ yar;taceountN 111Yw rln rtananrarca! ~ :
m: sce aw
v~ve~Daile a~ aw~'rnalnielorrE Can. privacy proren
~
i7 yaA new Defence was zero of a cre ~ omoua,. Irrew
op to yow purcia
s whit:
i
i NreawMd:a balrnQ arranQenants, wE wan conacer
reooat your
t
n ~.
CApita! Urea is s Mdareny rApinered xMCa mark of Gepnal
a ?003
All ndna rer~tvod
da ComoratioM.
:
p
arr
vartan
purchase aepnans are rro~ adrbd rn na dagY balencee We
ih
~ on
o
receipt of a lrerge vour eumon:a
Vou' axpun wiU rat tie dosed
=tern 4pdirpnally .
Una
rnon
Capita. Urea
'I cAlnaete the everope CxiiY onarrce nv addnp ea rtes da
WlanceE trrpnrlat and d~wdrrF tea suer DY hte number or~
i .
s
whit vuu WY WI amounts you owe ua irrludirrp am'
tronsenio:a you nave nwMrii ed, firarcE teepee. DeR~ i
tees davx in the cunem biltng cyde TO rwlwlne Van tOU
multiply YW: average rally DBlerrcE by trtE
char
e
fi tluc lees pvedimn has rcwrneE Peymem ices. cash
g
,
ace
~ daily penodc tie pfd by ria mattber of Wye in the biping aodvarn:e teas ~nd anporrRiaet to$ these arnourvr whn7re"
'
period. Dus ro rounrtrrf rm a daily basis, dare may flea
light variance nervveen ttax ~ICUnion AM trte mnasr. of
! Yrc reprrer:• t
cam ailaov a!eanrurrnE srtrsawan' ?O ^
Ye tl~r
a
~
~
'
franca Ga~ anuaay assessed.
_ ~
h the coda ~ or N appears on the hom o1 this sntmren!
D x
a
d
o
vow requaS t[. dose the atxoum. Tha may raxfa: R'
n vow exam: she: you rave
n
-
OtLGL6AK
.
rr~: I hex, to 'Balance Rne Apptiod Tc,' we multiply Tha
b vary mOnM •
` i
1
l n
ng o
cner{as aopaa
reouened fete a-xur rc tie eioseo n: t re _
ca
.
e den ten^e o
SCL5't S
Important NoSce: Your payment will be credited tc your account as of the date we receive Y, ?revlded you send tea bottom portion o` this
statement and your check in the enclosed remittance envelope. and your payment s raceivec ir. our P~cETStPaymenta addres ed to ourms
addressed to our Virginia or Georgia processing center must be received on s business day ty 3:00 F.
\Neshinaton processing center must bE rBC61Ved Dn a b:laine 5£ day by ~:~J D"m. PT. Please BIION' a: I£95t TIVe !r5 ,' bl: stele 5's days roc pCSte!
delivery. Payments received by us at any ether Iota*.ion or in another Corm may not be credited She lama gay wa receive them. Our business
days are IJlonday through Saturday, excludinc holidays. Please de not use staples, paper fires; etc. when Prepanne your payment.
Your account is de~inquen~. _~ to make a paymen~lt with us, you need
We WaCl~ ~o hetpl -=; we car, help-bu+. onEy it you cal! us.
-~ When you catt, you can make a free
check-5y-phone payment.
Return your account to good standing.
!t's up to you to take foe rust step.
Catt us!
~ ;aye ~~'~n. p /, -7 -y
~~~
Cap~talOneR
Account Summary
Prninus P+alan:e t'i..9t.45
Patzr:ent~ Credi[s and .4djustrnenn £.:1%
Transrcrions tO`I' W
Finance Ciiaz;;es £2120
!view Baiancr £1285.65
A4.ininmm Amount Due £].285.59
Pavnrnt Due Date October U3, 2UU?
Iota; Credit Linn fSUU
Total .A~ailable Credi+ £.Ufi
Credit Linr for Czsh £SUU
A+zilable Credit for Cuh b•1~
Ar your ;rn5ce
'o cxli Cus[:une Rdatirin:. w m reror. a laa or Kolrn ¢•d:
1-800-903-3631
Fw free onlir:c xawn+ .en•iee nrd sFKax] wa+on,c aG7¢s. log on m:
www.r inr lonacrom
Scud }avatar ;o. Send inquiric ;c:
Am:: - ruttxncc Proccsing
Cxpiul Gnc Sm';ce Cayi[a7 Gnc. Saeien
'
P.U. Soz SSI•ti +
P.U. 5ar SSOL
Ri:hmond.'.'A232io Ridunond,~'A2i1£-SDL--:
O1Tani Account 1nfOTIItatlOn
Capital One is a proud sponsor of the SSth Annual Prmetimc
Emm+ Awards Telecast Tune in Sundzy, September lls en
FOX from R-i] p.m. ET (i-10 p.m. CT. m see the talent
you've enjoyed daring the [>ast season unite. to c.elebraze
acothv year o: {~ovnd'oreaking work in teinis~oa Caoitai
One vans you to be a pz [ of the exatemerY-' Cheri: ov;
Capital One f ad in the September :2th issur o,` People
~ Mac^azinenr +isi[ redcary^_tweekend.corz for move derails
c
c
C
~1SA GULD -4000DNT
4..^>BR-i+4 i i-SSUi-9.49
9L1G tw - SEP os, 2o0S
Page ; of i
Payments, Credits and Adjustments
T?is i ottr Tt+trd and fins notice tiat votE acount i ar.+nusl}~ pas due. Pav[nent [nus be raei+xd within i2
iinurs w avoid asioe br otn mlleaion department.
Transactions
£29.(K'
i Cti.411G O\~r.RL??Vi?T FEE _S,U,.
2 U3 SEF PAST DL?E FEE
I'ou v:ere asrssed a pas due fee of L?S.UG on U410S12U~3 because roue minimum painrent was not
recei:'ed b? the due daze of C9!U3/2003. To avoid this fee in the fucwe, we retommeed that wu
allow' at leas: i businea days for wtn pz~anent io read: Caoi-al Une.
F'mance Charges Pizau rrrrr-/vxriaefar im. mrtion
,:+orfonr injve
Em'aar. rarr Pr-icy: Cw.aTroF 'mF y
~~RN+~~
c.,nhrl i ratr >P
PI,tRCH.iSES i%Pg.Sn .07040
07t:!iNi.
03
fi2' 2;.509
:5.509 fL_6]
fli5v
CASri .
.
.4.~!~TL?.4L PERCE>\tT.AGE R9TE applied this period
• PL? 45E ?~? ~??"~' POR?10?~' BE.L0:5' \%inTr P.4IT?EST. •
~~'~VrI.C~ 0000000 0 4388641775019049 03 1285690076001285693
~~'ew Balznce Si2P .cY
Mini[cum Arnoun: Duc fi285.E9
pavmeru Juf Dare Oembc C~. 2ik,:S
Total enclosed £
.Acconnt?3umbc 4385'-6?;%•?507-9099
Ca_~ t~~ Coe Sant:
(( F.G. 5~+: BS_G_ {~{ri{u{r{im{,tin!
F.i c:unon3, 1A Z2:'6
{..{~E,:Ii:~J[grr~i,lLJLrrI{:~il6r~i{~~dit~tiE~irl{i„I
?5.9040
Pira<r,mr:: maiim„ aim~c< a.s~a- ~-rnai.%rnan; r. o<~cx.~~ vrint riru. a. rra^r, mt
~~ €7:24?eBsBS:?.5.42€ uz__ _~~ 1SJNG°P
~~ `yT4 v C N?.'.L~tat'~'
~ i ?;i 308 '. F F
r ~- ~ S"J~L4~SG?.~= ? --mac-._c~p,c;
Q -i
6~~[E6.,ii{r..1.6..,ii,E[~[ri~~illrri[i~rir6rl+G~lil~rili
P:earr cri.r varo atmun: num?x. ar, vorv eicce r manor mtir rraue pavahk #• Capita' !Jnr Bari zr~i mai::r, t.~r: rn:lure.' c.^.:~:eate.
~ Boaz Capital One Services. Inc. Capital One is a federally registered service mart All rights reserved.
~~
i
i
alBrtce 1pr ire
il
d
cpUtl ii it roe alreatly been Closed. W. exempla, '
i
You` nL
~
-~ ^.. Flpve ip Awid A Fhtrtes Clurpa.
envd o1
rz a
y
PenodiL rate. Tc obtain the average
Nlli od coered by thn sratemant, vas one de
~ ~^
t
i7 You arrtMrizen a Purchase liar. x merchant aM vx
recave de trarraarnw, from irK merchant
r
p
p
~s ' ~ s. Ghee Prod. Yol~ will Mve z mbamum gre
e on rew purdresea. rew
t chnr
fi
+ balarrce n1 each segmern each day, add any new
bepimrq
retxs ened,
ll W
re
~r
~
a
~
p
rorx
2E days wnMrr
~f I
ePel Purchases and new otter
evi' s
l
~~ the irorrl o Pins
r
E
~
~
~ atltfed to Vout account.
be
rge
o rite .7te
HE ampUm
i
p
er¢, n
balance lrerni
~~t drargas i1 you Pay vuur twat 'New Balance", in
Jnw•
b o
,
aPD¢9r
LOOE H
llt the
o ar!dhs
Barroom [ten rc 'BalanCt Aare Appled To; ,oa alxo s x
aM yn: wN: be reeoatsuk for Peymern. 1! there
l
r
l
,
P
ACCpman.Ys tam [rK Mmpnant Naiee m: pAVmems
Min time ipr it to De credited Dv You. react saremerr; _
ives ur t~lte Wily Delrtce of ead,
i Thies ,
l the
-: urm
DY iav
to ~er4ad. to tra~ rxA P~ mrtd
s defined aMve. j
i
Ml
=~
~j doeirq Wte. There is ne grace Period on Last, edvarrces
i
d g
o earl: seprrem.
rvE add up al: inr WNy bNarvoa fa earl,
~ era Trion
~ a
d m
acmurs irMenee has been Pa
Yw: card or acrount cannot M '
Aeaaua
Y
o
~~ I nM slxLial iremtou. In atldrtra~, there a ro glace Per
Lrion it YPD do rot paV the total 'New
rc ,
to the Dilang period aM rfvide bV me imai
aetprern
Thi6 gives us the
enod
biN .
ttu
i Ucitg.
Llion vrrf, any imerrrel gemblir,p
u
a
- On 8nY trM
~~ ~ barentt '
G Aeauatp Finrroe Gtrya. Trersseaiats which are not
eeaed trance charge '.
~~
~ .
rrq P
atrrMer of days in tre
verege WNy tarence of anti. sogmem
3. Arnual Prornses Rams IAPRL s
' rarLLe(. ims
t
B1;11NG RIGHTe SUMMARY
subject to z grace Pants are ess
saion m 2) Dom the Wit tlo
~~ ' may aPPAA' A
a. TM term 'Annrel Percentage Rate Rn Case Of Enois ar (kestiorrc Aber You, Rilli
' hen ine Wte o' the narw
~~ ' rrereeaion is Drocessetl to war Accaaa pr 3'~ hom ne
i 'APR" on the hen o1 this watrment
If the lade P (Ftintei. L t3+rtu LIBCIR;. C ICertificsu o1
b
11 you thna your bql rc wrong. or it wu need more
wme rr us w, x
or WII
mia
Y.
f m uleMar WY of ire eurram billing gonad. Atldtionel
the "New Bakrtce' Iran the Previous
n
m
did .
Uepoaiti, pr 5 iBarMCartl Pdmel appears en rnspDan^ of
rt
dc .
,
intorrrurinn orr a trerm
r~ I
~rt ~
P O
r~
a
~
p
y
rt
i ~ it Ytu
lalhng oeritld in fu:. finance Marpex cunrirue to Accrue m ~ ~^
rtes saramem next to
PERCENrAGE RATES
rmes and rArrewwt6rq mam
b smtamwn.
l
ortl
l
w,
irtourias Shorvn
'.
¢
~
t
Itl~i
ywi uawi0 balance unit Dte utpatd balance is paid h. toll
Brill owe firmrxx charges, even it
ma
t
m
^
II may wrv puaneaY aM may increeae or decresac DsBed
The was Snort
' i n
'
near ~ ~r~,~ tre tenor o• problem aPpearnd V uo
cA
y
a
This means
Y
u
~s
w pav tM mire New Eielartce tndeoted on ile iron o: n
the eared indces. As faun
y'
p
U
p
a
ooing eP will rp:
elrt
pr^
s the falovwn I'
•
~i y
alas Vour satemar. by ire next suumertl Uadrq date bu did
e char
es
i
f YWr
teai~m the ~WY
p
t
be et
?treLE d artgas will ~s
give p
your leitei.
preee^re Y~
wr tame AM accoum atmbar, ine tdlkr I
atian
mm
g
rwrtc
tl
_ rim do so mr the previous m^rnh. Urtpa
m W vour ALrtnnl dll
~^g
~
y a
A
~ y
rm
amwan of dr¢ suspeoed error, s descriPtior. 01 the error
.
are antlad to the epPlicable sapne
eecD blhnq period teal
F nd aLroDar
Jul
dl
p
m the mood s Jaraary,
3 s
r
re
me
de
~
e
a
a
or
r T c_ Mianasn Fnrta CJtnPA.
! vary accotar: is atbjen ro a firertce Charge. a min I __
pl vow
E rM eorrcHy} alWea slBaro, dire horn
c
R H
c. I
or
des ption
lo
nlpr
mo
r H vw rraed
rror
, o
s e
ve to pay env
tl
:
~-
t the
'I tool FINANCE CHARGE of 80.50 will be imposed
~ total firenCe Charge rexultirq hen the appiiraDa+ of your eo
e
JUO
cutemem rex ro ANNUAL~rPFJiCE1HTAGE pATES mays
tdrr
~
o 9
moan in~gtrest unsure abou.. You
Pn tMak we are muesli ri but You
r
~ periodic rat_=lsl is lees then 80 50, we will stbirsn that
° ' emaan from ire 90.50 mrramum sM lhE diRerence will be 9rd crt^esoa
q
ud in ATK Web .Sfreear Jountaf, dnae
~ mf
ere~~ipllll ~ki~ invesuP tea your Westiort~vve
Le'inm .,
ollen me
t
i
r
taNStl to the pur;lrsae Boor^er^ of yrer attach
h mad ~~
n
the ma reviotWy dsdoaed lP Yw. These riartpes
rPr P i
o L
on
as dNl m or take any an
_
~
^~
e
s I tC. TanQrary R.duutrlt n Fhtrtea LYtrga. We reserve t
iven
l
r er
~ v,ell tx etlective m ihte hrn Wy pl yttur DilNng prdotl irr
ota+r Ya+ ~
a
g
u
ry
~~ 'got tP rat eaeess any o: at! finanw charges
~ I dNrng Penod. ~~ mp~~ Faec.
A Aesassmrn of Leta. Ovrl'rrrdl rd RWanetl Paymra Rate For Credrr CnrD ?urchaees
7. j SpadA:
<. Pwasga Daily Balrtoa Imddhq Nev. P.rahasasl.
1CWmetl by mtAdPlying the daNY
i You: bccacs wilt be assnsed re more roan two Of rte fees
tl UMar lle
n
iai
ro
eny nr
pf
li
v
s La
' a Rrorx;e charge
- balaxe o1 saLh a'egmem of YOm Account Ie.P-. teen
apeaa! Lrtlr6ler, eM aD¢CiDI pwCrtaBE!
UtrhbBe
ee
i ~'
n rq pe
o
ii51M here trot oxur tlunrq any b
ICrtnB o1 yWr CtlalOmer aQlCemem, vie rCaerve de ngm 10
toes caiman oiiw red5udon to g
p
rv
mh lhrt que
N you nave A Problem
98fvicef trot YOU PucFaAAd vwm a credt rortl erd you
iih to coneer the Problen, widr rtte
d l
,
, p
var
i
~~ by the conesppndrrtp Wlly penodc rateSSi that Ivs beer,
dtmcly dxaosed a wu. At tie eM of earl, WV Oudrq
re xive pr nor to assess any
vnu witness. weivirq our non w assess the Barre or similar a
~~ roan in g^^
mndtam, you may Rave the ripltt opt to pay rite remairanp
v(W nova Lola
w SerViL¢x
rO
an
i
t
p
- the bNllrq Periutl, wf apply Lre Wily pwio6C rAle lOt each fags aM a 181ar -m¢-
i Rrtewiq Vac Aeor+n. It a memDerslvC tee
5 .
te p
p
Y
emoum dUe pn r
rmeaion pray oaten tM pulchau grist. was mars than ~
i sepmem Pt void accwmt to the WIIY DAkrr_s o1 each
vrt adE uP
ri
d
i .
appears m rte fmn of this Seremrn, you have 30 p
e6G.S 8rd the purehaxe va8c matl¢ in Your Mme stare or
o
.
lNrq pe
tt~a ! se[mern. Then a: the rtd o/ the. b
to tlmvE C yeti
i des frem the Wte mia nnemran was mailed a you w
Y? rwthin 700 miie< of your mellinTaWreas. Ill ve oven u'
'
wra
~ ~ the Cauha Of dafae daily ealLMet
e rot each segmran Wes add up m¢
Mr
fi
'
avail PaN^g the tee or to Mve auJr me credited o you
ou ma •
dotl
ro ~
a it vve allot Val lire
operate lira mmetrarn, a Pure
li hoses
vi
es
g
ryrrtce C
panotac
~
'~~ I results from each ABgmern 1c. ernve n tM renal Pedixlic , y
t pe
it Ypu rJncel you aCCOUm Wmq t
re t0 axe yea 9~ m' Withal. having t0 pay tie
r
n .
c
adw:tdsrment iDl the wWenV w ser
re mverpd regarNess Of amOUrtl M Irr..anOn Oi pUlLheae 1
hrerrcA CrorPe for VWr assail. TO gel IhP. WNt' WlbnrR
~ fa- each sepnenl 01 yeti eCCDlar., the Ieke Ile DE(nM1rnQ
rts
a
' l
n
f%A
mEmbersND lee. TO CBrIL¢I VOUI aCCPUS. WU mUal
r
ranify us by cal w
^~
~e
N
J Please rmtemb¢r 10 Sign ail COnAxPwd¢nCL
p
irruac
~- [blare for each ugmen; ens add anY ^m^
and any penddit finance charge Wlcurerad M rte previous ~
l nC¢
exdud tea
l
t
aM pay your "
membererap feel Pnn: to the eM ai rte iranv~aey period. ~
pays nn. a to cpnwmer x,n-credY card accuUnlS I
t PMy
W)'z Glertw foi dret xgmem. 1NE then aubtna any
s of ine: Wy roar ere eliocared
d 6. Ii Yau C1eaa Yrtu Arxuatt. Yes: Can rogues! to dose ary~ ro luatlness non-crrMh CerC acaxmrs
t Oaos nw aP
a
payments or credits pose
I tP rte, xumern TM=_ gives trx rM separete Wily bale d
h
i account by rAllirq as C Brehm kaatiats
VW mus tles.roY Y^ur node catdlcl aM
runrr .
sea out
i
'
t
e
fw eacYr aeprrr rot ywr account. However. it yw PA
tetetrtera in iW! (m
i .
~ ~
accoum access alts
: ~ ~. pn
.
pn vacv proren
i x~M pi
LOm
i
~ l
WS e
New Balance ahnwrr on Vour P,ev
u rew balance was zeta or a ciedir amount. rew
I ~ M rim
accotrrtt
Wrtr
d ce°sa uar^Si
an
we will ponader
rnrtts _
one.
ie
e
rd Orte is a ledarslly regisr- ad service art. of GApnal
^
yo
rarrsaaiats which. pos tc. ywr purrltase o: apedal
' r
a
te
p ud prized all rq rrarge
,, eopsn your
n
^
r
, Rronasl Corpo:mion. Ali rigors rc.orved ° 2003
Grte
pU1CIr8xe 9egrrremF 81P n01 AOWO 10 tie W71Y a~Illlre pailWe
e Wily rokrrpe bV arirFtg 5'
vera
m Wm wNl M', b¢ dOSan
ralt
eCL
AMriram~illy.
rLerwm.
A
enV
tdirt
i
rJ (~aprtai one
'
s A
g
rAlrraet¢
balances ttgethel end divinitrp are sum by ire rtunbAr o; g.
r
t
oral you pay all amuums vmv owe us
niate you havx eurorved. 5nsrc< rlurges, pan
tie W vs in rtre cunom dnirq cyUe. To relcJrne you reel
balance Dv fM
Wil rransa
fees. ovedimi: fees, rewrrtetl DaVmem teas, cash,
y
l Avare
~. Caliv vanodre~rAm ann2 n~ the ^umt~ of tlevs in the Dahnp
' advance leas .M nn. mlrer~eo eres>~ ~ard~t~.vrhethe,
You ale raSpprrYi
LCOUrti i
'
W a
d.:Ae tp rpw,arq M r pally beAls. LrerE mat
IVaeen tlo£ CeiLUlalim boil lie emamt Ol
LP
n
~ P
i .
Ihev ADPetri w, vWr ACCOUn el the lirnE you repr66 1G
;
uem m I
anLP.
.
gM vB
I
r:
loaner slags etiualy assessed.
ears nn the Dont ^! des satemem
N
i
c yeq
wpsa~ha aCC'Wti m that bra lilt tired gu
w quest tp Close ills accoun:_ Teas may restlt rn
reve
n
O i LGIEAK
or
app
D It me code
hex: to "Ba18na Fate Applies. To.' we muldpiy the
G er you
cnorges ooeanng on war aCCOUm a
^ t tU bx el a rte re Pf
'~ rnn t.
AW WN\ pa a 8Ch anew b You' reptrened the A
4b1fiG5
Important Piotitx: lour payment will be credited to your account as c` the date we receive G, arovided yea send the bosom portio^ eT this
statement and your check ir. the encbssd remit:anee envelope, and your payment is received in our processinc center by 2. p.m. Payments
addressed to our Virglnls or ~3aorgiz prxessing center mus, be receives on a business day by 3:0^ p.m. ET. Fzyrnents addressed to our
Washington processing comer must be roceived on a business day by ~:0~ C.m. PT. Please allow at least `ivy (51 baseness days Tor postal
delivery. Payments receivac by us at any other location o. in anof;te~ form may no; be eredi[ Sd e e when preps ingcyour pzyme0n ~.~ busine s?
days are Monday through Saturday, excluding holidays. Please do not use staples, p P ?
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating
to unsworn falsifications to authorities, that he/she is Nichole Kennedy
Agent of ~ C p , -~~ ~ ~ ~ .13~ ~ K ,plaintiff herein, that
(COMPANY)
he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Complaint
are true and correct to the best of his/her knowledge, information and belief.
~.d ~d~'
(SIGNATURE)
wwR# G ~ y (y ~j ~
/~
vi
r~
~ ~ 0 ~-
~ ~ ~~~~
'°
~.) r,~
`~
~:
'" ~ j t~
~~ _`.'
_....
~~' ~
=~
~z;
~~, -,
_:-tr-,
,_,
,• ~,
_.~ r ;~
`73
...~
SHERIFF'S RETURN - REGULAR
CASE NO: 2007-00549 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CAPITAL ONE BANK
VS
WILLIARD CINDY S
GERALD WORTHINGTON
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
(.TTT T TTDTI ('T7~TT1V c the
DEFENDANT at 1634:00 HOURS, on the 5th day of February 2007
at 308 4TH STREET
SUMMERDALE, PA 17093
MIKE WILLIARD, HUSBAND
by handing to
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 18.00
Service 13.20
Affidavit .00
Surcharge 10.00
.00
41.20
Sworn and Subscibed to
before me this day
So Answers:
~ ~
R. Thomas Kline
02j06/2007
WELTMAN WEINBERG REIS
By.
Deputy Sh ~ff
of A.D.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK,
Plaintiff
vs.
CINDY S WILLIARD
Defendant
No.: 07-549 CIVIL TERM
PRAECIPE FOR DEFAULT JUDGMENT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
WILLIAM T. MOLCZAN, ESQUIRE
PA I.D.#47437
Weltman, Weinberg & Reis Co., L.P.A.
2718 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#05414491
Judgment Amount $ 2700.33
THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK,
Plaintiff
vs. Civil Action No.: 07-549 CIVIL TERM
CINDY S WILLIARD
Defendant
TO THE PROTHONOTARY:
PRAECIPE FOR DEFAULT JUDGMENT
Kindly enter Judgment against the Defendant, CINDY S WILLIARD above named, in the default of an
Answer, in the amount of $2700.33 computed as follows:
Amount claimed in Complaint $2579.53
Interest from JANUARY 16, 2007 TO MARCH 23, 2007
at the legal. interest rate of 25.90% per annum $120.80
TOTAL $2700.33
I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA
R.C.P. 237.1 on the dates indicated on the Notices.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By:
WILLIA T. MOLCZAN SQUIRE
PA LD.#47437
Weltman, Weinberg & Reis Co., L.P.A.
2718 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#05414491
I'
'f, ~
Plaintiff s address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7~' Avenue, Pittsburgh, PA 15219
And that the last known address of the Defendant is: 304 4TH ST SUMNIERDALE,PA 17093
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff Case # (~7-S~`i tTv.1LT~~-`'1
CINDY S WILLIARD
Defendant (s)
IMPORTANT NOTICE
TO: CINDY S WILLIARD
304 4TH ST
SUMMERDALE,PA 17093
Date of Notice: 3-~-y~
WWR#= 05414491
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU.
UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A
JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY
LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS
PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR
TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN
PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
PATRICK THOMAS WOODMAN
PA I.D. #34507
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 KOPPERS BLDG, 436 7TH AVE.
PITTSBURGH, PA 15219
IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK,
Plaintiff
vs.
CINDY S WILLIARD
Case no:: 07-549 CIVIL TERM
NON-MILITARY AFFIDAVIT
Defendant
The undersigned, who first being duly sworn, according to law, deposes and states as follows:
That he/she is the duly authorized agent of the Plaintiff in the within matter.
Affiant further states that the within. Affidavit is made pursuant to and in accordance with the
Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. § 521.
Affiant further states that based upon investigation. it is the affiant's belief that the Defendant, CINDY S
WILLIARD is not in the military service.
Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data
Center (DM. DC), which states that the Defendant, CINDY S WILLIARD is not in the military service.
Further Aunt sayeth naught.
~~
AFFIANT
SWORN TO AND SUBSCRIBED in my presence this o~(a day
of ~~•
COMMONWEALTH OF PENNSYLVANIA
Notarial SCI
OT Y PUBLI Wayne A. Jones, Notary Public
Gty Of PlKsburgh, Ape~henY ~b
MY Commission E~ires June 29, 2010
Member, Pennaylvanla Association of Notarlea
This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be
used for that purpose.
Request for Military Status
Department of Defense Manpower Data Center
Military Status Report
Pursuant to the Servicemembers Civil Relief Act
Page 1 of 2
MAR-23-2007 07:07:01
~~ Last Name First/Middle Begin Date Active Duty Status Service/Agency
WILLIARD CINDY S Based on the information you have furnished, the DMDC does not
possess any information indicating that the individual is currently on
active duty.
Upon searching the information data banks of the Department of Defense Manpower Data Center, based
on the information that you provided, the above is the current status of the individual as to all branches
of the Military.
rta~r~ ,w.~,-c~.-
Mary M. Snavely-Dixon, Director
Department of Defense -Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209-2593
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that
maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the
official source of data on eligibility for military medical care and other eligibility systems.
The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act
[50 USCS Appx. #167;#167; 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of
1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced a small error rate. In the event the
individual referenced above, or any family member, friend, or representative asserts in any manner that
the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly
encouraged to obtain further verification of the person's active duty status by contacting that person's
Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on
active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA
may be invoked against you.
If you obtain further information about the person (e.g., an SSN, improved accuracy of DOB, a middle
name), you can submit your request again at this Web site and we will provide a new certificate for that
query.
This response reflects current active duty status only. For historical information, please contact the
Military Service SCRA points-of-contact.
See: httn•//www defenselink mil/faq/~is/PC09SLDR.html
WARNING: This certificate was provided based on a name and Social Security number (SSN) provided
https:!/www.dmdc.osd.miUscra/owa/scra.prc_Select 3/23/2007
Feequest for 1Vlilitary Status
Page 2 of 2
by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID: CCJRWBWIAQC
https://www.dmdc.osd.miUscralowa/scra.prc_Select 3/23/2007
`~
~ ~
`~, `t"'
z
Q
0
~'"
~ ~
~ ~ r~ -~~
"` -n
~, ~i`+
%-~ _~;~=
,;.~~
..-- tia, n
~,
'a r~s~ :-c
:~ ~;~,
i
. `
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK,
Plaintiff
vs. Civil Action No.: 07-549 CIVIL TERM
CINDY S WILLIARD
Defendant
NOTICE OF JUDGMENT OR ORDER
TO: ( )Plaintiff
(xx) Defendant
( )Garnishee
You are hereby notified that the following
Order r Judg ent was entered against you
on ~ l21 ~l~"~
(xx) Assumpsit Judgment in the amount
of $2700.33 plus costs.
( ) Trespass Judgment in the amount
of $ plus costs.
( ) If not satisfied within sixty (60)
days, your motor vehicle operator's license and/or registration
will be suspended by the Department of Transportation, Bureau
of Traffic Safety, Harrisburg, PA.
(xx) Entry of Judgment of
( ) Court Order
( ) Non-Pros
( ) Confession
(xx} Default
( ) Verdict
( ) Arbitration
Award
Prothonotary
By: ~ d~
PROT ONOT
.~-
CINDY S WILLIARD
304 4TH ST
SUMMERDALE,PA 17093
Plaintiff s address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7~' Avenue, Pittsburgh, PA 15219
1-888-434-0085