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HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY
961 Weigel Drive
P.O. Box 66362
Elmhurst, IL 60126,
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
vs.
17. 7(,37
No.
(I .L~ c..~
CINDY L. EICHELBERGER
700 S. Rupp Avenue, Apt 10
Mechanicsburg, PA 17055,
Defendant
SUPREME COURT ID 1121729
CIVIL ACTION - LAW
NOTICE
You have been sued in Court. If you wiBh 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 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
ASSISTANCE.
Cumberland County - Referral Service
Special Court Administrator
Third Floor
Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6223
THE PURPOSE OF THIS COMMUNICATION IS
TO COLLECT A DEBT AND ANY INFORMATION
OBTAINED WILL BE USEO fOR HilS PURPOSE
HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY
961 Weigel' Drive
P.O. Box 66362
'Elmhurst, IL 60126,
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
vs.
No.
CINDY L. EICHELBERGER
700S. Ru~p Avenue, Apt 10
Mechanicsburg,PA 17055,
Defendant
SUPREME COURT ID l!21729
CIVIL ACTION - LAW
N 0 or I C E
Unless you notify the office below within ,thirty (30) days
after receiving this notice that you dispute the validity of this
debt or any portion thereof, this office will assume that the debt
is valid. If you notify this office in writing within thirty (30),
days from receiving this notice, this office will: obtain.
verification of the debt or obtain a copy of the judgment and mail
you a copy of such judgment or verification. You are also advised
that any information which you supply to this office may be used by
us in the collection of the debt. If you request this office in
writing within thirty (30) daya after receiving, this office will
provide you with the name and address of the original creditor, if
different from the current creditor.
JAMES ASHTON GREENE, ESQUIRE
539 COURT.STREET
READING, PA 19601
(610) 374-3148
THE PURPOSE OF THIS COMMUNICATION IS
TO COLLECT A DEBT AND ANY INFORMATION
OBTAINED WILL BE. USED FOR THIS PURPOSE
COMPLAINT
I
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, I
1. Household Finance Consumer Discount Company, the
plaintiff, io a corporation doing business at the address indioated
in the oaption hereof,
2. , Defendant (s), Cindy L. Eichelbp.rger, is an adult
individu~l residing at the address set ,forth in the caption hereof.
3. On or about December 7, 1994, the Defendant(s) signed
a Personal Credit r,ine Account Agreement hereinafter referl.'ed to as
"Agreemer~t", with the plaintiff, a lending institution.
4. The subjeot Agreement is attached hereto as Exhibit
,"A" and incorporated by reference herein.
5. The agreement whereby Plaintiff and Defendant (s)
entered into provides that the Defendant(s) were to reoeive certain
sums of money or oredit limits pursuant to the attaohed Exhibit
IIA".
6. The Defendant(s) were to repay the Plaintiff all sums
advanoed to them plus interest and other oharges indioated in the
agreement. The agreed rate of interest or the formula to oalculate
same is indicated in the agreement.
7. The Defendant(s) were to repay the Plaintiff regular
monthly payments as indicated in the agreement or pursuant to the
minimum monthly payment schedule as indicated in the agreement or
the amount shown on the monthly statement mailed to the
Defendant (Elf, with the first installment to begin approximately 30
days from the date of the agreement.
, ' OMMUN1CATION IS
HE PURPOSE OF THIS C ANV INfORMATION
10 COLLECT A DEBT ~~o fOR THIS PURPOSi
OBTAINED WILL BE US ,
A. Unpaid principal $ 5,466.62
B. Interest at contract rate
through October 17, 1997 2,598.67
C. Attorney's fees 1.093.32
TOTAL $ 9,156.61
11. Interest on the unpaid principal balance shall
accrue at a per diem rate currently at $3.42 fron! October 18, 1997.
12. Despite repeated demands by the Plaintiff, the
Defendant(s) have refused ,and continue to fail and refuse to pay
the amount due.
THE PURPOSE OF THIS COMMUNICATION IS
TO COLLECT A DEBT ANO ANY INFORMATION
OBIAINED WILL tlI: U$I:U FOR lHIS PURPOSE
I
. ,
I'l!RSONAL CRl!D1T LINE ACCOUNT AGREEMENT (l"le 2 01 4)
Av.lI.ble Credit: YOII m.y obtain lundadlrcctly from 00 or Ihrough your apccllt checks up lO your .v.lllble credh. Bach
cnccc mUIII DC 'Wrlllen lot .tleut $100.00. Your avllllble credh I. your credllllmlt (Ihown on page ono) Icsa lho lOtat
un~ld b11lncc, IlIeludlnl Fln.noo ChlrgOl. 01 your Acoount. II you mlko lOIn poymenta by check. wo will IdJuat your
IVlllable credltlOvon d'Yllflor wo tCClllvo your check 10 .Uow lor chock clearing. II you rc<juesl lunda In.n .mounllhat
'Would ClIJIO you lO exceed your ,v,ll,blo credh, wo aro nol obllplod 10 honor your rc<jueel. II wo do lend you In amount
over your Ivalllblo ctodlt, you al* lO pay us th,toxCClllllmounl, plUll Finanoo Charp, Immedialoly.
PromllCl 10 rlY: You promlao 10 pay HOUlOhold: (I) amounl8 borro'Wed undor Ihil Agreemenl; (b) Fina_ ChlrgOl,
Aamlnl8lflllVel..nUCOl (bed chock chargo) and olher char&\l8 provided In Ihil Agreemenl; (c) credillnBuranoo chuCca. II
Iny; (d) collection COlla ponnlttod by applicablo IIW, Including reasonlblo IllOrneya' 1_; and (e) amounl8 In ClCC8lI 01
your cllldll 11m II lhal 'We may lend you, plus Flnanoo ChargC8.
F.ymenll: Yeu mlY repsy your enllre OUlllanding bellnce II Iny limo wllhoUI penllty. You mlY nolll8C your lpCCial
ClICCkB 10 pay Iny Imounla due undor Ihia Agreement. Ilecauso tho Finl_ Chargo is compUled each day, you will contacl
00 reprding tho 000 payoll Imount lor lbo day you intend 10 mako lull paymenl. If you do nol pay Iho enliro un~id
bellneo on your Aorount II once, you sgree to pay at least Iho minimum paymenl ahown on your moathly IlI4tcmont.
Plymonla will be Ipplled II 10110ws: Firat, 10 any IlXrued but unpaid Flnlnce ChlrgOl; Second, 10 any unpaid
Administrltive ChIrp (bad check chuco); Third, lO Bny unpaid credit insurlnoo ch~rgos; Ind Fourth, lO tho oUllllndinl
batallCC 01 your Aooount. MY part 01 your monthly ~ymont lO be applied to smounla borrowed on your Account wiU be
applied lO tho smounla borrowed under your Personlt Credil Lino .\ccount in tho ordor in which tho Imounl8 wore
borrowed. Any ~rt 01 your monthly pt.ymeallO be applied 10 Finlnce Chor&\l8 will be spplied in tho sarno mlnner.
Minimum Monlht~ P.yment: Tho Minimum Monlhly Paymont for Iny billing cycto will be Iho greltor 01 (t) the
greater of ~ or lbe Iymont Amount (as de6cribed below) plua Iny Admlniolrotlvo Chlrles Ind credil inaurlncc charlos'
rounded lO Iho nearesl $t; or (2) tho Flnlnce ChlrgOl duo lor tho billing cycle plus Iny Adminlolrltive ChlrlOl.nd credit
IDllutlncee. In each IDlltanoo the Minimum M"nthly Poymont will be odjustt'Ci 10 includo Iny unpaid .mounta duo lrom
previ0U8 billing cyclos.
The p.yment Amounl dopendo 011 the monlhly periodic rllo .pplicablo to your Account, and ia calculated al foltow&:
Monthty Periodic R.te Payment Amount
throu&h 1.33% 1.43% of Account Ballnce
over 1.33% through lA~% 1.5j% of Account Balancc
over IA~% through 1.58% 1.67% 01 Account Balance
over \.58% lbrough 1.70% 1.80% of Account BoI.nce
over 1.70% 2.00% of Account Balance
FIn.nce Ch.r~OI: This is tho InlerOlt charged on tho belance of your Account du,ing each billing cycle. Tho Fin.lloo
UUIO 18 calCU Itcd from the delo that each adv.nce, check or charge is posted 10 your Account. The Finance Chugo is
computed by multiplying tho averago daily balance in your Account in each billing cyclo timos tho monthly periodic rste
stated on page on.. Tho .verlge daily ballacc ia determined by !olllinl all daily unpt.id blllnces in each blllilll cyclo and
dlvldlnl tho tolll by tho numbor 01 deyo in that cycle. A daily Ilnpaid bellnce is tho Imount owed each day, excluding any
unpaid Finance Chl.ge, Administrativo Charg08, and ctt>dit iMurance ehorg08 lor prior billing cyel08.
B.d Check ChUIO: II you ~y by a check which is roturned lor any reason, you alree to I"'y a bed check charge 01 $20.
~her ClterlOl: You.gree to ~y any amounta actually Incurred by Household for IJI\rvices rondored In connection with
tne l'e1800111..iCdlt Lino Account for foes paid to public olliciala In connection with perl"'1ing. rccordlll3. cot...lng or
ostisfylng a socuclty Intorest In the_udty. You .grtle th.t those foes may bochAr(l;ed lO your Account balance.
Termln.tion and Ch.nlel in the Alreemcnt: We OIn termin.te your lilht to obllln .ddltioo.t .dv.nces or
cRaole ane lerms Ollllll Alrecmenl, IDCluc!lDlincrculnl the nte of Flnanoo Ch.rge at .ny time. Prior written
notioo 11m be liven to you when required by applicable la" unt.... you con.OIIt '\0 the ohange before thll time,
Ch.OIOl m.y apply 10 both ne" .nd oUlIlIndinl b111.nCCII untOlI prohibited by .ppliClble t.w.
NOTICB: SEll 'fHE FOLLOWINO PAOES FOR ADDmONAL PROVISIONS AND IMPORTANT
INFORMA nON REGARDING YOUR RlmITS TO DlSPllTB BILLlNO ERRORS.
'AOIlIJII
12.11"13 UI P'A N. , Non'"
FILE copy
lillllit~~IUI~llIIlIIIlfll~NII!IDEI
EXHIBIT A
-------
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.
PERSONAL CREDIT tiNE ACCOUNT AGREEMENT (P.,O 3 or 4)
~f.ult Ind CaJ\OCIIIIlIOll of A,reement
we DaVO lIIe "lhtlO reqUlro you 10 (Joy yoUt emire balance plue aU olher I\JCrued bUI unpaid charcee immedlaloly andJor
10 canoel your ctod/I prlvilocee uDder thll Ageemenl bccauae of:
(a) flllluNl to mab any plymenlllla full whon due under thla AJtOOmenl;
(b) freqUOllt overdrawln. or your IIno of credit;
(0) failure to wpply US with Iny Infonnllion reqlllllted;
(d) lupplyin, US with mlaleadln& lalao. Inoomplolo or Incorroct informltlon;
(0) bteaklnl any 01 Ibo promlllCll, Iorml or condltlonllhat are contained In thil A,rocmenl;
(f) tho filln, 01 I bankruptcy potltlon by or IClllllt you;
(cllho dealh 01 Iny borrower who slpll thll Acreemenl; or
(h Iho 11I10 or tranafer 01 Iny Inlerest IIIlho proporty securlncthlllcrecment (Ihi.lncludee tho crClllon 01 I
lubordlnllo lien).
Arlor d.lfault, )'OU wlll pay OUr court COOI8. rClSOnlblo Iltornoy fCOll (if aUorney 10 not our III/arled omployee), and olhor
oollectlon 001I18 related to tho delault, If not ~ohiblted by applicable Ilw.
Any belanoe oUlllllndln, under Ihis A,reement when tho ctedillimit II lermlnlled will continuo to Iccrue Inloreet It the
contract ralo unlll peld In full.
YOUR DILLING RIGIITS
KEEP nns NOTICE FOR FUTURE USE
This notioo oootlln. Important Imlormation lbout your rl,hl8 Ind Houaehold'. rcsponeibllitill6 under Iho Fllr Credit
BllIin. Acl.
Notify HOlllClhold In Cue of ErtOl'I or QucatiOIll About Your Dill
U you thlnlc your blll is wrone. or If you need more Inlormation about a IrlD81ction on your bill, wrilo Housdlold 01\ I
separlte sheet It tbo Iddrees lioted on )'Out blll alter Ihe worda: "Send your hllllnc ertOr nolloo to: (Household'.. nlmo Ind
Idd~)." Wtllo to Household IS IiOOO IS pD6Sible. Household must hClr Irom you no Illor Ihan ro <l.YI Iflor Household
senl you tho II rat bill OIl which Ihe ertOr or problem Ippeared. You can lelephone Household, but doinl 80 will not
p.-rvo yr,lUr ri,hts.
In your letter, cive Household Ihe lOllowin, informllion:
a Your OImoand lQCOunt number.
a Tho dollar Imount 01 lbe IUSpoctod error.
a Deecrlbe Ibo error Ind G.lpllin. If you can, why you bellevelhero I. In error. II you need more informalion. dcecribe tho
Item you Ire nOl lure about.
Your Richea and UOUlehotd'1 Relpolllibilit!.. Arter Household Re<:elvCl Your Wrltton Notice
Houaehold must acknowledg. your lelter within 30 <l.ya, unless Household baa corrected tho error by Ihen. Within 90 <1.)'1,
Household mU8t ellher correct Ih. error or eJpllln why Houaohold bollovee tho bill was correct.
Allor ilouaehold rCQOlvC8 your letter, Household canool try to collect Iny amounl you quosllon. or report you II
delinquent Household can continue to bill you for tho amount you queetlon, includin, finlnce charC'" lod HO_hold can
apply Iny unpaid amount 1..llIIt your crodlllimll. You do not have to pay any quostioned amounl whllo Household II
Inveal/glllnl, hul you are 81ill obliptcd to pey Ih. par18 of your bllllbal Ire nolln qUOltlOll.
If Housohold Ilnda lhat Houaohold made a mlltako on )'Our bill, you will not havo to pay any linanoo Char,.. rellted to 10Y
qUOllloned Imount U Houaohold did oot maleo I mimko, you may have to pay finance cllaraoe, and you will hive 10 make
up any mllllod paymcnlll on tho qu.:stlonod amount. In either CIBO, HOUMhold will sond you I .tatement of Iho amount you
owe and Iho dalo lhalll II duo. '
U you fill to pay Ihe amounllhal HO_hold thlnb you owo. Jlouaohold may report you II doIinquenl. HOWOVOl, If
Jlousohold'. G.lplanallon cIoos not satialy you and you write to Houaohold Wilhin Ion days telllng 1I0uaohold lhat you IIII!
refU60 to pey, Houaehold mlJlt tell aoyune 1I0uaehold reporl.1 you to thai you have I qUOltlon lboul your bill. And,
Household mll6lloll you tho namo of Anyon. Household ropotted you to. Household mUlt tell anyOllo 1I0uaehold repoc1.l
you to thlllh. malter h.. been sellled ootween \l8 whon it finally is.
If Houaehold doesn't follow lheeo rolea. Ho_hold can't colloct Iho first S50 of tho qUC6tioned amount, ovon If your bill
WIS correct.
NOTIC~ SEE TlIE FOLLOWING PAGE FOR ADDITIONAL PROVISIONS AND IMPORTANT
INFORMATION REGARDING YOUR RlmITS TO DISPUTE DILLING ERRORS.
12.'.... ua 'AIII. ,...."'" FlLi CI:l"t
IlIIiIIlI18l111111l11l..
EXHI81T A
'A"""
----
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.
PBRSONAL CRBDIT LINn ACCOUNT AGREBMENT (Palo 4 or ..)
BefOlO .'Iplol thuAlreomoot, you havo roael anel received thla A.rooment and Iho Flldonl Truth-In.Lendlnl
, elltOlOlIutoI oontalnedln II. , '
You. tho cwtomer(.) .Ipinl bolow, 'Iroo to obnrvo tho lerm. .nd oondlllOlll or thllAlroomont.
Th1a Aaroemontl. entered uneler Ihe applicable pravl.loM of Fedonl I." .oel tho PooM)'lvanl. COIIIumot
Dlacount Comp'o)' Aol., , , ,
lS~.t.~SBAL)
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Wll4_~ ~,~ (SEAL)
(.;lI8lOmor Sllnature
Date:
".,.." UI '" II.' Noll.,. 'Ill ctlPY
1.111111111I111.11111
EXHIBIT
(SHAL)
(SEAL)'
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