HomeMy WebLinkAbout97-04742
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JOEL STEINMAN ESQUIRE
Attorney 1.0. #62042
MELVYN S MANTZ & ASSOCIATES, P.C.
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
FIRST DEPOSIT NATIONAL BANK CUMBERLAND COUNTY
Plaintiff COURT OF COMMON PLEAS
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PATRICIA A. KELLY
Defenda:1t
NO. CJ7- q 7 4.L (!;...(.L~ l
NOT I C III
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
atto~ney 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 other claims
or relief requested by the Plaintiff, You may lose money or
property or other rights important to y~u,
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
CUM8ERLAND CO COURTHOUSE 4th FLOOR
1 COURTHOUSE SQUARE
CARLISLE PA 17013 3387
(717) 240 6200
1~J'~ PI\()Y 11 )IAN
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AcrULJl1lAlllrtl1l'l1I
WHEN YOU SiaN ANY Of TIlE ellECMS WE PROVIOE, YOU Will BE AORHlNO TO THIS ACCUUNT AOHIEMENT
VOUI C.pilll Cuh Iccounlllhe ",,"cecuM') llllllHUbl, petlOllll loin lhll IlIowt you 10 ItelU your mouIII lIy WIIIIllV ChlCkl. In thi~ AUIIIIIJIOI. .you. Ind .yo,,,. n.,n 11th plllOn 101
whom '1'1" IInl o~lnRd I C'p'I,1 Cuh Accounl. "W.,. .our: 'ourl.' .nd .u)" mUll rllll tJfllO!.l1 N,lrotl.1 O.nlo: 01 rll 'UIQnu. YD" "\lY "01 bt elIglbl, rOlln "ccounlll vOU 01 II,.,nbl!r
01 YOUI houaef1old 11UldV hlv, , Clldll trcounl wllh U! or Provldlln Natlon.1 O"Ik lh~ Accounl nJaY b. IUl!d olll~ 101 plllonll, I,nlly. hoouhold, .nd chllll,bl. pUlpOIItI, ,nd nol 101 ,nv
bualllWll or COITYI.rml pUlpal!, You .nd w. .glu " lollow.
Cull Advancll. Th. McounlII 1V1l1.bl. ani) wllh Ih. lnilllllQln atllOUI11 (.cHII olhal1co"1 Thl! 1I1111.lloanllrnoofll may ulclude plVII)l!ntl Ih.I WI IIn. 1l1l1I. 10 olhll ltoderl on ~OUI bthlll
In order 10 Ir.nlllr VOUI olhlr b,l.nCIIIC thll Accounl, chich 111111~d 10 you 1m Ih, IHlIIlO$l! 01 uan,I't/Ing yOUI b,l,ncu 10 Ihll Accounl. and lond, tl'clronlcall~ IlInau1lu.d III Olh,r Ilnllm
10 ultlll" bll,ncu, liow.ver. il you lI)fC1 th, 10111,1 lo,n ,n!Qunl .nd hn. nol ul.O lIll' AteQUnl,"'" Will clan Ih. Accounllnd ~ou Will hive 110 obllg't1on II ~ou "Irel Ih. m,ll.lloln .mount
bul hn. ulld Ihl Accounl. WI Will clan th, Account bfll1 d.m,'ullll"lt'dlllll lull pUIlll'fll onl~ ~f the b,lallCl .nd chllgll not r,l.trO 10 thllll1lll'( lo,n .nlOunl, You nll~ 'eQuIII Iddlllonal
clln .d_,ncu by tilling the 10111". nUlltll limd 00 your illO/llhl~ II811menl
P.ymtnU, You will "c"v' I monthly mtll/lflll IhoWlI1U ~OUI OUlUlllldlllg ~,lln[f You wllIll'Y ullJl US dollm (checks rllllll be IIlyabl, II . US olllCl 01 Ih. o.nk Ihe chICk II dr'WI1
onl.111I11 tha p.~mlnl dUI Illhollo" on youl U",ll"Il!nl by Ihl' p.ymenl dur O,le III ICcordane!' 'hllh plylt"lllnl mlHuCllonl on your monthly U.I.nltnl. You may 1101 USI ~OUI conV'lllencr
chICh to n1.k. p.ymenu on youl Accounl 01 10 nllke 1l'~lIlenh 011 Iny Olh,r I{(Olllll you hn' Wllh UI 0/ our 11I1I1alll, Th. ll.ymtlll due Will b.; 2.0"- 01 Ihe new b.I,nct $hown on YOljr
SIIU/Tlfnl phallllllllount 01 ,n~ plSl due plymenllllu, the IlIlOurll by which ln~ nf~ lIallnce '''lflll rour (fed.' IlIlt plus tlU lor cerlllll opllonll urvlCn. How.w, Ihe plymenl dlj, Will
nol bt 1m Ihlll 115 lUnlns your ntllo bll.net II leu thin 115. l!1 IIohlch tin lh, paVl1ltllt due 110111 br th. I1rT1ounl 01 lh, new b.llIn,,!.. We nllV l'qUlI' I, hlQhff nllllfll./ln p'Ylnenl it youl
Accounl II PUI due or above lhe mdll hn., bUI WI Will notlly rou belnle dOll1g so II your llayrl'M.'nt II mOle Ihun Ih. plyml/ll due, It WIll b, HUled II , Ilnglr plyment .nd non. 0111 Will
b. .pplied 10 hllull! P'VIIM!t\[1 duo, W, In'V ICcrpllatl! 01 Plll181 pl~/lM!IIII, or p'~II)fl1tS markod 'Plld In lull. 01 mllhd IIolth olllt! rUlllcllons, Wllhoullo!lIlg OOllluhl 10 colllCI III amount!
oWlIlgunder thll Aglumenl
,Fln.nu Chlrgl. ~lIllnCr charges hgmlo ICCIU. on a debll whrn III~ IIlcludrd In lhe dally hllance ("Balan"") Ind conllllue unhllhe balal1ce IS reduced b~ I plym.nt or credll Th. Blllance
II rtduc,d by plymenl! IS 01 Ihe d.t. IftUlved, .nd hy credlH Iflcept tal revlr!lll 01 lat. find fTlIs(tUan,ous chargul IS 01 Ih, dill' pOJted Debltl olhll lhan Im.ner chllgu all Included
In lh. B.I.nr.e II ollhe dltu Ih.y .re pOltld which Ill' II 'olliJWI; CI:J\ Idvance chedl 1I1al m Idenllllfll a~ cII~le"J chICks thlll WI! mali.d 10 Vnu It yOU! "Quell. II of seven dl~1 .11" (0)
the d.I, we pllnl on Ih. chICk; CI$h ad~anct check! w. 11I'1110 Ortlfl lenders 10 Italuler Oalllllcel, IS at 10 days allN the lIall on the check; all olhll ch.ck!. as 01 lh. dall Olesen lid to
!!.!; lundulectlolllcflllV Ifln!ll1l1ed 10 otherlrnderllo u.nsftl b,llncet, IS 01 thl date I,.n Olher d,bllS lo.cepllor lale, Imlln"., and nncellaneOll1 chlrgul Ilf Included m ~OUI Bal.ncr I ^
.. of th, d.u pasled. Fln'nce chltgu It I .dded ta ~OUI a.I,nce uch d.~ '~lhe u: o~ 1.1S1 day of lho billing cycle ~ ,~;
To Ilgure Ih. dilly Imanc. chlrge.....e llltt .....Ith your pll!VIOUS d.~'~ Galonce, a~eblt~"illll u~t III credll! 101 Ihe current lIa elf Ined 111 the pmglilph abovel ifill nJJlllpfy the
nel .mount by lhl dally pellodlc rOle uu tollawlng Olr.graph! The tlnance dlarg~ IS lhen lidded ~Rlfll mcludeo 111 lhll dIY'S Balan e. real a creti/t ~alance I~r an~ d.~ I~ 1110 We
dUllrmne Ihe lotol fmlnce chelgts 10' the billing cvcle bv adding logrlher rtw llIl ce Ch~'al Pach "'IIa\' wllhll1 Ihe billing Cvcle. rjelert1~nt Ihe avelage daltv balaner ~hnwl1 on your
mlrrorn!. add IIch dlY'1 B,lonee IIIlCludlllg dally Ilnance chargellll We billing Il'j dl In' Il1e llIJ11W1l1r 01 llilyllll the blllr'l\l C clln 11Iulllply 1/1ls avlttigl dilly bol,QCU by th,
number 01 daYI III Ihl billing cycle and by the dally perIOdiC I8t. to l\W~rn~ne III IOIl"Kl nt of yOUI flllallce ch8rgB lor the billing - calcullllllQ fillll1CO char~l!!, an odiudrlll!nl wlIl
bl m.de 101 any IrlllUChOn or p.ymellllh,l woul~ hive allocled lhe Ilna/lce Crl ,lculAIfon In~lIn/ billing qcle ha r-be.ln P05 hal cvcle The bal'Il~~ atnounll shown on your
51llemenl may dill" horn ,;le aalancel uad III co~utlng Ilnonce chalges llecau! lalte! do lIO an~ falo 011T~ ellanenUl ch, ~ whn:h ale 'nduded In Iho balances Ihollon on YOUI
stalement. Thele II no pefloll wl[hln which clfdll 'llenden ma~ be I/!pal~ Wllho ,. U/lIIWm. ~a!ge
Thl d.ilr fle/lodlc raIl! IS 0,060U~ r.orre!flOndlllg 10 all ANNUAL PERCENT~E of '-No~
F.... We Will cllltge your AccOUlllUC 10 ~lj for l!BClllftulneo paymenl check. each chod yOll ...1111 on your ^ COUlll trlat we lelutn ullpald: each 11011 paymentllrll!,f or lenewal10l II/cll
In ordel: each billing cycle wllhln which your ACCOIJIIII~ dellllQUen! lIalf C/1ottJI" If ~nu relllJest COI)lel 01 Illing s ! that wea~l nllO you more t~an lhlef monlhl ftlllfI!r, we mlly
charge a handling teeol nOD for each ccp~, ) "
D,'ault. You Will b'lII delault: II you wele no! eligible IllIlhe Account 01 the I1mE It "'os OfloneO: II VOU lalllo C~I a'~ Agreemenl: II anytnlormalio-n'you g~~i us provl!!
10 be IIlco~11ll! or lalle: u~on your dUlh. bankruplcy. or insolvency; If you tall 10 pay Olher debtl when due; If a baaifup c~ fllilllnh II f~d by or 8galns[ ~ou; or If we believlf In good 1811h
Ihll you may nOl flay 01 plllorlll your obligatlonl und!!r Ihls AgreEment, On your dolault we may, Without lurther de~ O' nO[ICe, conce credll pllvll.gu, declolt your Account bll,nce
l",",d18111y dUI.nd plyabll, .nd IIlvoke anV rlmedy we may have in lhl! Ivon! of four dol au It. HI/! oUllldndlng balance on y u, Accounl ~h ontmue 10 accrue mlereSl at the APRIII disclosed
In Ihe Fln.nee Ch.ru. seCllon at lhls Agreoment. Iven It we hne sued VOl! 10 collecl Ihe amnunl ~ou owe
Cr.dlt Lin., Your credillUl' IS Ifltclll'd 110m tllno to ImM! III a !eoarOlo nollce W. may IIlcreas" 01 decrea50 VOOI mdlllme based on IIll00mallon we oblallllr.)m ~ou Of your cledllllCords.
You, Inlllhle credll IS normally Ihe dlllelence bel ween your crodll IlIle and your Accounl balal1c!! Irncludlllg Iransacllonl lIlalle 01 authoflled ~Ul nol ~el posted!. You Will nOl lilt your Accounl
lor, ond we may r,luse to honor. anV IfanUCllon which would callIe vou 10 ur.o.d VOUI availlble mdll
Prom/It to P'y, You plonne 10 P&Y U5 when due allamounll ~o"owed when VOll or lomeone else use your Acco'JOlle~en II Ihe amot/nl cllarged Itlcel!ds your peIl1USlon). III other Ifanuctlons
and ~hargu to YOUI Accolml. and collection com we Incur rncludlllg, bl)1 nol hn"l!d 10. reasonable Illorn'~'llees and courl costs, III you WlIllht SUII. WI Will p.y your fluonlblt marney's
lees Indcourl C05lS.1
Ch.ngu. W. may change any parr of lhls Agreemenl or add or relTlo~e reQul,emenls alllr nollcr.lS leQult.d by law, II WI change Ihe Fln.nn Cherun 1ICll0n 01 this Agrllmenl. IhI n.w
IlIIance charge calculi lion Will apply 10 ~our ""hole Accounl balance horn the elteClI~e datI! of Il1e change. .....hethel 0' not lhe balance IIIcludu II ems oosled 10 your Account bllor, Ihll cll.nQ,
Q!!! and whelher Of not you conllnue to Ul' Ih. Accounl
C.null.lIon of Account. Al any tlrne aft.r al 11I5[ JO daYI no lice 10 VOU, or wllhout nOllct il pern.lIed by law, 110' may, cancellhl AccounI .nd YOUf mdit Pllvilagu, ,II your Accounl II
Clncell.d, fm.ner chltgu .nd Olhor leu Will conlinua to be aumed, payments .....111 conlllluelO b, due, and aU othlf applicable prOV11lanl 01 Ih15 AgflelTll!nl Will UIm811l In elllc!. You m.y
cancel ~OUI mdll pfIVllegel by notllymg us In wrlllng and plylllg ~our en lire Itatelnenl balance by ,he payment dUI d.ll on lhe Itlllemenl which Includes YOUf hn.1 checks. cuh Id~.nclS,
ChIIQIS, .nd '.11I. YOUI credll pflvlleges Will bl Clncelled Bod no Iddlllnnallmance chargel Will be Imposed. It your CIIdll ptlvllegu '" c&nCl1l1ed you mlY no langlr Wille thtcks on your
Accounl. Ind you should dewo~ on~ unUled chick! we have Ilsu.d to you
P.rsonlllnlorrn.tiQn; OllcurnlnU. YOIl 'WIll glwe liS a[ leOI! 10 da~s notice if you change your n.m., hame or mOIling addl1l5, lelephone numbers, or lob, You IIolllllfOrTlllUV glvl UI informalion
.bouI your flnanclallllans II WI uk for II We may g'l such Inlolmluon !rom othtls. rncludlllg cr,dlt leportlng 8gencllI, Ind prOVide YOUf addrels and Inlolm.llon aboul your Accounl 10 olhlll.
W. fTlIy .110 shar. such IIllormatmn With nlU afflllllles, If you 111110 lullill any of your obltgallonl undp'f Ihls Agrumenl. a aegallve credll leport relllCtmg on your cI.dil record may b. submll.d
10 clldlt rrportmg .genclu'
CUllomll Servin: Un,uthorind Usa, lou, or Thlh ot ChICh, ~ou Will slll.guald 1111 chicks Issued to you Irom Ih,ll II yoU lIiscover 01 luspecllh.t any unused thecks alll losl or 1101en,
or 11l'llh'll may be IIn unaulhoftled ltanmtlon on yOIH Account, you will notlly us PIomplly Ily telephonlllQ '.8DQ.964-9212 You will phon I, eVln thouOh you may nOlify UI in Willing, so
WI ,tin lei lau to II1tl11 10lU5 .nd liability II ~ou report 01 w. !U~l!ct un/lulholl/ed UII 01 yOlll AccaulH, WI may IUlpend vour credit pnvlllgu unlil WI resolve Ihe probllm 10 OUI ntlltlCllun
To Implon cunomel $frvlCl .nd securlly. ~au anree Ihal yOllr calb llIay be IMnitOffd or recorded
Stop P'ym.nt Ord.n, II you Wish to stop payment on iI ,hICk, ~ou mllY senl1 u~ 8 stop payment order ~y Wtlllllg 10 UIII our .dd"ss 101 cummer ler~ICllilled on your bill. You Cln INk,
. Slap plyment Older olllly by collm!] tha nunt!1 hmd on yO!Jf llalemenl Whp,n YOIl m8ke i SlOP paymenl nrdlt, Vou rnlll prOVide Vour Accounl numlllf Ind sfleclllc In lorN lion Iboullh.
chICk: th. II8CI alllllunl. Ih. dill! on th, cl1lCk, Ihl nalnt 01 lhe p.ny 10 whom Jl was Dayable. IIlI name 01 Ihe pmon who Slgnld .1. and Ih. check numblf. YOII Will b. .Ikld [0 tanlum
on oral SlOP p.~menl orde, !rl wrllllll] We may dl~!lJ.flrd vour Mal nrl\~1 II WP do nOI IIcelve 8 sllll1.d ~r:tl!n r.onllrmallon Wlll1l0 two Wltoks 1I1'er Ihe oral Older or II you hlv. not IdlQUlllly.
dnc/lb,d lhe Ilem so lhat plymrol c"r\Tie-SloPDI by OUl CO,~ull!t fhl! otHel 1Io""'illiiii'i'li!iTiiCIIVt I III cneck WitS flald by u~ blllrJlI we hid 8 IIlsonallle opportulllly 10 acl on Ih. oldff
We ma~, wllhout lIabllilY, dI5"g~ld 0 wrlll!" !IIlP pllvmenl Old~I 111 mOlllh~ altel tetelpl unless II II rmewedlfl Willing
SI.nd.rd III Car.. TransaCllons In your Account "'III be proceSlld IIlI!cllalllr.alll wllhout our necltHallly If!vlewm!l ,w~ 11011'
(Ju, OIOC'!lln!l 5yllern 110111 call1lur all.flhon to Cltlllln Il.n\l
ConlmUld on levme 1570!)1 I 1 2J!)~i
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:iIlEllll'T':.; lil::TUllII
Ill::tJUL^,i
eA'3F: NOI t'3'::l"-0~"'L! I'
COMMONWEALTH OF ~ENtISYLV^NI^1
COUNTY ill" CUMB~~RLAN)
[IIlST DEro:3!T _NAT!ONAL Elf!UI~
VG,
KELLY PATRICIA A
TtMOTlJl RE!TZ _---J Shedff IJ~' D.eputy Sheri!~ 'Jf
r;uM[JERLAND C'Punty, P'mn'iylvnniu, vho bl?ln\l uuL~ sW';lI-n acconJi.ng
1.0 ll3v, "',lY'5, th<, vithi.n I~OMPLAIIIT walS li.Ierved
upon .Jif-Ll.Y PATRICIA A- thl:'
defendnnt, at t447100 HOURS, on thll' ..1.UJ. duy of Slii.'otembl?I'
19'J7 at 112 N. Wll.blIUT GT.. Nt
MEClIANICSfJURQJ.....fA_..!,7055
_--' CUMBERLAND'
A. I{ELLY .
County, Pennsylvania, by handing to EATRICIA
B true Gnd attested copy of the COMPLAINT
l09<,ther vith tlOTICE
and Ill. the same time d~recting futl:. attention to the cuntents thereof.
Sheriff's CostSI
Docketing
Service
Affidavit
Surcharge
t8,00 \
6.20
.00
2,00
ol/las
'&261~flJ
MELVYN MANTZ
'~ml::97 .'.f L~
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$vern and ,subscribl?d lo befel'>1 1IIl?
I.his It) I!:- day of x/....JJ.li'..L.
, '
19 q, A. D.
<....l._.~ r 'n1~/..- ~
I, prot.honotary'
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UNITED STATES BANKRUP'l'CY COUR'l' l VOLUNTARY
MIDDLE DISTRICT OF l'ENNSYLVAN II. PETITION
.N .. """It l)t JOINT DlaTQ.
Kelly, Patricia A.
~LL ~I. NAM" U..d by the d.bto~ 1n the i..t. _ V..... ALl. OTIU MoUe" u.... "V 01. '01"" 4.btllIJ 1n Ula hat. . V..If.
talE
~. IIC.'/TAX I.D.I -.ce. ..C."".... 1.0.'
207-58-8093
ITIII" ADDU.. or DUT<UI 11'11111' lDlUII" 0' .rorn DUro.
112 ~ Wal1lJt st. 1st Floor
Mec csbJrg PA 17055
, ph: (717)766-3899
COQ1ITY o. nUDbtC'. oa auarNI.. COUNTY 0' JlII.DIHCI Oil aU,INIS.
Ct.rmber lan:f
HAILIHQ ADD.... 0' DIATOJI HAILING ADD..I>> 0' ~OIN7 D"TOI
S1HE
auSINI.. DEaTe.'S 'J1XHCIPAL "lET LOCATION vnro.
lK1I' APPLICABLE
[XlDebtor's domicile, ~~qr blsi-
I !leSa assets were J.n D:let for
I the 180 days precOOirr;J this petition.
INFORMATION REGARDING DEBTOR
DraTOIl TYPII [X] Individual ~PTr~/"CTIO"1 ( X ] Chapter 7
DI.Y H"'I'OIUll [ X ] Non- B.lsiness ICo11Sl.11lrer aNALL au.IHE.S,
[ ]Debtor is a small l1zsiness - 11 use 101
( ]Elec:ts small /jJs1ress - 11 use 1121(e)
rILING PIli ( X ] attached
HAMI AJfD ADD.... 0' u.w rUM oa ATTOMIY
De.Anrr:mi & DeAr1rorxt
2800 Market street
ClI1IIp Hill, PA 17011
Ta\.phou No. (717) 730-9394
ATTORNIY!', ..'.,IEHTIHO D~BTOa
Keith B. DeAr1rorrl
1 -97 - 039()~
, _. ( ] D.t1to.. not ...preeene..s by an .ttol'ney.
STATISTICAL ADMINISTRATIVE INFORMATION (28 U.S.C. 604) Tilts SPACE rOA COURT US! ONLY
(X] fllrrls will not be available for UI'ISecured creditors.
1"-,....,. ._--_.....,.._..._~
(Xll-iS r ..-" ,.~ i'~'-::)
IST.l'MA.'ID NO. or C"IDITen... ~ ~j '.1 (.:.al~ '.',; I',:.. _-,',(;,
ISTIMATID AaSIT. (~OU..ft~)1 [ X ] Urrler 50 I
la"IMAT~ LIAaILITlla t~OU..nd.)1 [ X ] Urrler 50 1 I ..,--.. ", I
ESTIMATID NO. or EMPLOY liS I ( X ] Not Applicable I
! EP 15 sn , .
ISTIMATED IQUITY SICURITY 8OLDI~.1 [ X ] Not Applicable I
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