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Home My WebLink About98-01130 ~. , '" '.. :~ " ~ ~ ~ "'- It 'I ~ ( <<:l ;~ ' ) " ~ c,) ~ ~ '- .:3 ci J I / , ( ... \! - . . .~ I 0- cr- . ~ 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 PROVIDIAN NATIONAL BANK CUMBERLAND COUNTY Plaintiff COURT OF COMMON PLEAS VS THERESA M. GAISKI Defendant NO. lJJ'-//30 ~ -r:-,-",- CIVIL ACT ION 1. The Plaintiff is providian National Bank f/k/a First Deposit National Credit Card Bank, a national bank with a place of business located at 53 Regional Drive, Concord, NH. 2. The Defendant is THERESA M. GAISKI, an individual with a place of residence located at 24 Pine Hill Avenue, Mechanicsburg, PA 17055. 3. At the request of the Defendant, Plaintiff issued to Defendant a VISA credit card, account number 4428232473214398 and at all times relevant hereto, Defendant was the holder of said card issued through Plaintiff's credit facilities. A true and correct copy of Defendant's application is attached hereto, made a part hereof and marked Exhibit "A". ~ " I 4. The account that is the subject of the instant matter may have been either a First Deposit National Bank account or a Providian National Bank account. As of January 1/ 1998, providian National Bank was merged into First Deposit National Bank and the resulting entity took the name "providian National Bank". I', . 5. Defendant, upon acceptance of Plaintiff's credit card, agreed to be bound by the terms and conditions of Plaintiff's revolving credit plan agreement. A true and correct copy of said agreement is attached hereto, made a part hereof and marked Exhibit "B". 6. The Defendant subsequently received a cash advance from Plaintiff and incurred additional obligations in the sum of $7,481.32, no part of which has been paid. 7. Notwithstanding the frequent demands by Plaintiff for payment of the amount due, there has been a failure and refusal by the Defendant to pay the same or any part thereof. 8. In accordance with the terms of Exhibit "B", Defendant agreed to pay the Plaintiff a finance charge on all sums due at an annual percentage rate of 23.30% and Plaintiff is entitled to additional finance charges from 24 OCT 1997. 9. In accordance with the terms of Exhibit "B", Defendant agreed to pay to Plaintiff a reasonable attorney's fee if the account was referred to an attorney for collection, and Plaintiff will incur an attorney's fee in the amount of $1,496.00. WHEREFORE, in the sum of attorney's fees of this action. Plaintiff demands judgment against the $7,481.32 plus interest from 24 OCT of $1,496.00 for a total of $8,977.32 Defendant 1997 plus and costs BY: JOEL STEI TZ-;5S0CIATES, , ESQUIRE P.C. 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. . ",'.. '... '.. .~ , STATE OF CALIFORNIA COUNTY OF ALAMEDA Catherine Pickover, states that she is the Designated Agent of providian National Bank and is authorized to take this affidavit on its behalf and that the facts set forth in the foregoing complaint are true and correct to the best of her information, knowledge and belief; that there is now due and owing from THERESA M. GAISKI the sum of $7,481.32 plus interest and attorney fees; and that there are no deductions or offsets of any kind, except as are therein specified and credited. She 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. ~ CATHERINE PICKOVER, DESIGNATED AGENT 4428232473214398 ."'~I . . . . . . RECEIVED DEe n 9 1997 . MELVYN S MANTZ & ASSOCIATES '.: "., .,. Li3 Complell' Ihl9 shorl (nrm "nd relum It In Ihe P'lSl"He'pald envelop" provided. 30-Second Response Certificate Yes. J want to accept your Invitation for a customl1.ed VISA" Gold account! 1 "",.",od Ihe l.mlS on the I..,k or Ihe 11",-hu",.108"'" 10 ho bound by th. An""nl AgreomL'I11 (whh:h willi.. n",IIL'<I 10 nit! horo", my VISA ,onll. l..uOO).1IId 10 r.p.,y prindp.,I,lnl"rt~~ and Inh.rt~llh.,,"n, "''''I'llholl will "',V\! noobllg.lllon III rell'm U,"""d(').1I1d ~'I","l:ks \IIul~."I.'1nd cnnrr.1 my ,,('('uunt.,lter r\!vlcwu'K the ^~'\'nllnt Agrt'Crncnt. Theresa M. Gaiski 60803577 411 W. Main St. Mechanicsburq, PA 17055-3242 111I11I11,11I11111,1111.111,1111I1.1.1111"1,1",11,,,11I,1,,1 No Annual Fee . $20,000 Credit LInD . Lowest Roles Starting at 0% . 2732N1 CT311 GY127 KOFO KOKR OORe UFBO AEAH 61- 732-06762-5596-6 OUAurnl.D IAVINOI .0 .... .".... l11i,lnvit.>Uon e'plre" April 1, 1996 e--- ~{~~ ,If T~ /f,... R.11111m.llJiM.lUf Vier rMold~nt 18.;). -'1(P-l./o33 !;.>clalSn.-urily NumtKor ('7/7 ) 'Jii,."ntJ,/ lfumtJlhllnt. C...dlt Prote,tlon Plan (Optional) YES, I wuuld like 10 help rmlrel my VISA Cold account and credit rating with tht IJptinn.d Credit Proh,'Ctlun PlAn \ieM'rlbeJ l>n thl! cndm.ed Oyer. YES UnllLd he,. 10 enroll) (7a ).,;lJJ ~!>'-"I Work/~rond f'lwnt" s 07'1. SO(). <.::.. Annu.1 fi~ullt'hold Inromt" 732-06762-5596-6 UVlb5 Reference Number: 4428232473214398 EXHIBIT Box Year Batch SSN Account # I A- ( 3296 96 31 182-46-4033 4428-2324-7321-4398 jking1.ar.eas , =- ~PROVIDIAN nt/.II/dol rrovidilln Nlllionlll Oink VISA I Account Accounl Aor!emenllot ThtlIlS. M Olhkl YOUI Providiln N.HD~.I D.nk VISA Of VISA Gold Iccounlllhll "Account"'allows you to mde PUlthlllll by ulinv YOllt VISA (lid flhll .Card'" WhftllYllf It 'I honoled .nd to GII Clsh lId.anCII horn UI or any olh,r pllliclplling hnanei.1 Institution. Convenicnce checks mar Ilia he provided to yOIl as IIn addItional WIY 101111 Ih. Aceoun!. In Ihis AOII!!foonf. .you" Ind "you," melln IlJch penon for whom w. hlV' opoold . crtd,l Clld Account. "WI: "Dill; .oun: Ind .UI OWlln Provld.ln Nlllone' o.nk, 01 lIS luignl!lII. " blled on your bllhng SI.IMtlenl. You may not be 111101111. 101 an Account U you ar .!MfTtltf 01 you, household .!rlldy h.VI' credit .ccounl wilh FIlii OrpaJit National Dank 01 Plavidlan Nahanal Dank. Thl Accounl may be used only lor pellGnal. lamly. hauseflald, and chllltabl. purpasu .nd not lor Iny busin.n Of corrmerclll pUlpose. You Ind WI .greo IS fanaws: Sp.clll R.qulrlmlnt of this Account: CndU Rlvl.tI Pragflm. In aldllf to ht'I' yaul,Account in !land slandlng. you havI agreed nalta !ncleul thl alllountllller any balance Ifanslers hlVo been ca",I!ledl of your talll dllbl, on unsecured revolving crHlltlccaunls With alher lenders wllhout our authorbalion. W. wlllleview your c.mlll recolds ptliodlCllly Ind conl.cl wou If we betiev. WOU arl not meeling thIS JPtcill ftqUll'emenl. p.ym.nts. You w~1 fecmvl . monlhly statemenl showing wour ouul.nding balance. You will PlY us in U.S. dollars lchecks Innl be plyabll.t a U.S. ollic. of lhe bank the check Is drawn anI .lleut the p.ymenl dUI's shown an YOUf stll!lTlenl by Ihe paymenl due dlle In .ccordance wilh paYlnrntlnstructians an your monlllly slalemenl. You mey nol use your convenienCl checks to make raymenu on wauf Account or to meh plymenU an any olher accounl you hi" wilh us or our alflllales. The payment dUll will be: 2% ollhe new bllance shawn on your slalemenl plus the llOOunt a any put due payment. flUS Ihl .mount by which Ih. new balancl IIceeds YOUf credllllnl. plus lees lor cerlaln optional services. However. Ihl p'lyrrenl dUll will not belen Ihan $15 (unleu your nlw balancl is len Ihan $ 5. in which cue the paymenl due will be Ihl emount 01 the new balancel. We may require a higher minillllm paymenllf your Account Is put dUI or abavI Ihe credllline. but WI wIn notily you belor. doing sa. II your payment Is 10011 Ihan Ihl paymenl du!!. it Will be lIeated IS' single payment .nd nonl 01 it will bo .pp1ied to IulUII p.ymenU due. WI may acceptlale Of partial payments. Of plymenls marhd .paid In lun- or mallted wilh olher flsUlctions. wilhoulloJing our right to collect all alOOunU owing under Ihis Agreemenl. Flnlnce Chlrg... EJeept as dUCfibed In the GrlCl Per,lod fOf Purchllll section 0,1 this Agleemenl. linance charges begin 10 eccrue on I debit when II is included In one 01 your daily balances and conlinueuntil thlt balance is feducld by I paymenl or credll. Your accounl hiS IllIee dilly balances: Ihe Purchase olllancI. wllich consists 01 pUlchases IOU make wilh YOUf Card: Ihe Custom Cnh AdvancI Balanc., which conJisls 01 unsecured crelht cald balances Ihal vou uansll!r 10 your Account using balance Uansler clleclts and bllances thll we Itlns er 10.f you dUling Ihelccount opemng pracen; and iJiitiih Advanc. Bllance which consists 01 all olher cash advances. Any paymenl.mlIunt WI receive thai nCl!1!ds Ihe finance charges and lees Ihen due will fllst leduC'lhl rCflllinin!J Purchue Bllanee, and Ihen.lt 1he t'Urch.se Ulllncels IlfO. win reduce the remaining Cuslom Cast! Advance B.I.nee. Ind then. illhe CUSlom Cash Advance Balance is ,era. wdl reduceth. remaining Clsh Advancl Bal.nce. The Pulchase. Custom Cesh Advance, and Cash Advlnce 8.lences lire reduced by paYllll!nts es ollhe d.le received. and by credits (elCept for reversels ollale, over.limil, and rriscellaneous chargnllS 01 the datI posled. Purch.sn are included in your Purchul BalanCI as 01 thl dale made. Custom cash advances al8 included In YOUf CUslom Cash Adv.nce Balance IS lollows: lunds elecltonically transnilled to othlf lenders to transler balances, as ollhe dati uanJrnilled; checles 10 transler balances as 01 the data presented 10 us. Other cash advances are included in your C.sh Advance Balance IS lollows: cash advances ham other Iinanci.llnSlilulions and through Autamaled lenen. as 01lh8 datil made; lunds electronically transnilled. IS of th. dalll uansnilled: cash .dvance checks madl payable to you thetall Idenlilied as cashier's checks thlt we mail to you at youf requnt, IS of seven daIS afler tho dlle we print on the checle: all olher checks. including convenience checles. .s 01 Ihe date presenled 10 us. Olher debits lucept lor lale. over.limit. financo.and miscellaneous chllgesllll8 inc uded In your Purchue, Cuslom Cash Advance. or Cuh Advance ollance as of Ihe dale posted. Finance charges I" added to your Purchue. Cuslom Cash Advance, and Cash Advance Balances each day and alllhen pasted on the last day 01 the billing cycle. There is no period within which custom cuh Idvanc.s or olher cash advanclS may be "paid wilhoullncurring e finance charge. To figuII thl daily linanc. charge lor purchases, the daily linance charge laf CUSlom cash advances. and Ihe dailr linanee charge for olher cash .dvances. we slart with your previous day's Purchase allance. Custom Cash Advanc. Balance. and Cash Advance Dallncl, add all debits and subtract aU credils lor the currenl day 10 Ihe applicable Dalance las IIplained in Ihe paragraph nhoveland m.rlliply thl net amount by thlapplicable dlily plfiodic ralllsee lollowing plragrallhsl. The hnatlce chlrgelor purchases is then added to and included in thai day's Purchase Bllancl. Ihe linance charge 10' cuslom cash advances Is Ihen added to and included in Ihat day's Cuslom Cash AdvancI Dalance.and Ihe finance charge lor olher cash advances is then .dded to and included in Ihat day's C.sh Advance Balancl. We treat a credit balance for any day as lero. We delermine the lollllinanco ch.rges for the billing crcle by Idding logether thl linance charge 10f purchases for each day wilhin thl billing cycl.. the linance charge lor cuSlam cash advances lor each day wilhin the billing cycle. Ind Ihe lin.nce charge for other cash Idvances lor each day wilhin Ihe billing cycle. In calculating Unance charges, an adjuslment will bl made 10f any transaclion or paYllll!nt that would havlallected Ihe finance ch.rge calculalion in a prior billing cycle had it been posted in Ih.t cycle. The applicable daily periodic ,ate lor such IlransaclioR will be the fatll in effecI fo, the cunent billing cycle ralher Ihan Ihe fa Ie in elled on the dltl of Ihe lIansaclion. Tha balancl alOOunts shawn on your slal!lTlent may differ ham the Purchasl, Custom Cas.h Advance. Ind C.sh Advance Dalances used in co~uling linance charges. because the Purchase, CUslom Cash Advance. and Cash Advance Dalances do not include Iny late. over.limit, or mscellaneous charges which are included In the bal.nces shown on your slalement. Thalerm -P,ime Rale. as used in this Agreemenl means Ihl hilhesl prime IIle published in Tht WI' Strttt Joufnl/on Ihe lint business day 01 thl previous calenda, month. Any increase Of decrease in the APR willleke ellect on Ihe fint day 01 your biHinp cyc e and may resull in a slight increase or decrease in Ihe amount of your miOlm.rm payment. We feserve the righl to change Ihe .nnual percl!lllage rate calculaliansll you do nol cOlT1lly Wilh thiS agreemenl. The ANNUAL PERCENTAGE RATE rAPR-) for purchases is 0% lor Ihe filSlthree monthly billing cycles Ih.t wour Account is open. This couesponds 10 a daily periodic IIle of 0%. Altet the introduclory period. your APA for purchases will be delermined as follows: You can arrange to have. variable APR which is lower than the lowest non.intraductory APR you are paying on .ny 01 your Olhet credit card accounls. This APR is available only it you provide proof. in the lorm 01 copies 01 yauf mosl recenl billing sfalement. showing your other non.lnlroduclory APR. Your new APR will take effecl lithe beginning 01 the billing cycle following aUf review of your proof. (However, this change will not take elfect belore tho conclusion 01 the three billing cycle inuoductory period.1 If we do not receive such proof. your APR far purchases will be as lonows: Your APR 10' purchases will vary and may be adjuslld each billing cycle up 10 1.40% above Prime Rate. Using Ihis 10rlTllla. the APR lor purchilses in thl March 1996 billing cycll would have been 15.90%, corresponding to a daily periodic rate of 0.04356%. and your APR for purchues will not go betaw 15.90%. The ANNUAL PERCENTAGE RATE lor custom cash advances is 0% lor the first three monlhly billing cycles lhat your Account is open. This corresponds 10 a daily periodic rate 01 0%. Afler the introductory period. your APR 10f custom cash advances will be determined as follows: You can arrange to have a variable APR which is lower than Ihe average non.inlroductory APR on Ihe total balances you haV8lranslerred from other credit card acCounls. provided your ather aecounU were open allhe lime you opened this Account. This APR is available only llyou provide proal. in Ihe form 01 copies 01 your most fecenl billing stalements, showing Ihe non.introductolY APRs 10f all the balances you have translerred. Your new APR will lake ellect at the beginning of the billing cycle lollowing our feVlew 01 your proof. (However. this change will nol take ellect belore the concluJion of tho thre,e billing cycle inltoductory period.1 If we do not receive such proal, your APR for custom cash advances will be as follows: Your APR for custom cash advances will be 21.90%, corresponding to a dally periodic rale of 0.06000%. Thl ANNUAL PERCENTAGE RATE lor cash advances is 21.90%. corresponding to 8 daily pltiodic fate 01 0.06000%. To del~rmine the average da~y balance shown. on your slatementlor purchases, add each day's Purchase Balance lincluding daily finance chargel in Ihe billing cycle and divide by Ihe nurmer of days in the billmg cy~le. To delermine Ihl aver~ge dally. ~alance shown on yOU! statemenl for cu~tom cash advances. add each day's Custom Cash Advance B.lance lincluding daily finance charge} in t~e billing cycle and diVide by the nuntler of days In Ihe blllmg cycle. To delermne tha average dally balance shown on your Slalement lor cash advances. add each day's Cash Advance Dalance Oncludlng daily fin..nce charge) in lhe billinp cycle and divide by the nuntle' 01 days in tho billing cycle. You can IJIllliply e.ch of Ihese avera~e daily balances by the nul'tler 01 days in the billing cycle .nd by the applicable dally periodic fale to oblaln subtotals. and then add thl three subtotals together 10 del ermine Ihe tolal amount of your fmance charges lor Ihe billing cyclll. Gr~ce Perl~d lor PUfchISl~. New purchues poste~ !O your Account in billin.u cycle~ when Ihe previous balance was lero.,o, when the previous balance was fully paid during the cycle. do not begin 10 Incur a Imance charge un!llthe start of Ihe nut billing cycle. You can aVOid any hnanee chalge on such new purchases II you pay Ihe 10lal new balance in full by lhe payment due date shown on your stall'fTl8nt. New purchases posted in any olher billing cycle incur a linance charge from Ihe dale lhe purchase was made and there is no period in which such purchases IT\llY be "paid without incurring a linance charge. Theil is no period in which custom cash advances Of other cash advances may be repaid without incurring a finance charge. FilS. We wiU charge your Account up to $13 lor: each Card you ask us 10 replace; each returned payment check: each check you write on your Account that we return unpaid; each Slap payment order or renewal 01 such an ofder: each bllling cycle wilhin which yauf Account is delinquent Oale chargel: and each billing cycle within which your balance elceeds your cleditline. If you request copies 01 billing slatellll!nts that Viers lirst senl to you more Ihan three monlhs earlier. we may charge a handling lee 01 $2 lor each such copy. perault You win be in default: if you wife not etigible for the Account allhe time it was opened: if you laillo co",ly wilh any part of this Agleement: ilany information you gave us proves to be mcolT1lletl or lalse; upon your dealh, bankruptcy. or insolvency; if IOU laillo pay olher debts when due; II a bankruPlcy petilian is hied by or against you: or if we betieve in good 'aith that you may not payor perlorm your obr.galions under this Agreement. On your de aull we may. wilhout lurlher demand or notice. cance your credit privileges, declare your Accounl balanceil1l1'M!dialely due and payable and invoke any rellll!dy we may hIVe. In Ihe event a' yOUf default. the oUlslllOding balance on your Accounl shall conlinue to accrue inlerest at the APRhl disclosed in the Finance Charges section 0" Ihis Agreement. even" WI have sued you to collecl the alOOunt you owe. Cn.dlt line. Your credit line is specilied from time to lime in a separale notice. We may increase or decrease your credillino based on information we obtained ham you or your credil records. Your avaIlable credit is no~mally Ihe dillerence belween your credilline and your Account balance (including transaclions made or aUlhori18d but not yel postedl. for certain cash advances, available credil may bl less. You WIll not use your Account 10f. and we may reluse 10 honor. any uansaclion which would cause you 10 !lceed your available credil. P,omlsl to Pay. You promisl 10 pay us when due all amounts borrowed whl!n you cr someone else use your Accountleven ilthe amount charged !lceeds your permisJionl. all olher transactions and charges to wour Accounl. and coUection caSU we incur including, bUI not limiled to, reasonable auorney's lees and coull caSU. 1If you ' . Ie allorney's fees and court costs.! 5629 The",. M G.iskl PI5.9OV I CC21.90F t C21.90F I Ej;IBIT Z~t,1 ,I Chong... W'""y chong. eny p." .1 Ihi. Ag".""nl or .dd or "mo.. ","i,,"-.nll .1101 nOllco.. ",ul"d hy I.w. n w. chenp'lh. ri"."co CI..,gOl "c1lOn.' n,l. Aor"""n'. Ih. ,,'w 'm.nco chllg. co~ul.lI.n wiR 'ppl(1O ",u.wh.,. Ace,"nl b,'enco I"" Ih. .nee'". d." "'h. d..ng,. whOlhOl or nOl n" b,'enco Indud.. "01'" POlI,d I. Y'"' Ace.llnl b".".'h, cheng. d.l. ond wh'lhOl or nol you I:onlinullo usa the Account. ~ F''''gn Exch.ng,/C.,,,n,y C.n'",'.n. n YOlI 'l8 Y'"' Clld for '..nllcli.", in . '"".n,y 'lhOl. 11,," U,S. d.II.II. 'h. '"nllclion. w,lI b. COI"'''OI1 I. U.s, d,II11', g,nOl.lly using oilhOl . Iii g"OIn""nl""nd.,.d "I. or I,,! wh,'ml.",,,.., III. in ./loc"h. d.y b,'OI' II" I"nll'lion p"co"mg d,". in""',d by on, pOlcon'11%1. n. '''dll i""b","onlly gi,on lor. I"n..,lion." wdl tie doc"...d by .n. POlcooIII%I. nlh. c"d,' h... d,/I,,,nt p"c...ng dll', 'hon 'h. OIchonl' "" .llh, ClOd,l con b. 1""01"01' II"n Ihll "'h, oriei",ll"n"'I"n. Ih. '"'"ney con,,"i,n "I. on Ih, d.y b.I." Ih. '''n..''lon p"","ng d." ""y d,/lOI I"" 'h. "" in ./lOCI .1 II" hn...' 'h. I"""'lion or on 'h. d." II" 11I","lion I. p'",d .n Y'u, A'collnl. Y.. 'g". I. ""Pi lhl cnnvllt!.d .mountln U.S. doll8ll. Th. Clld: C.ncon'll.n. y.u will "Iu," 'h. Clld ,. us II OU, ",11'". Ih. Clld OIpl". '1Ih, ond .t 'h. nlOnlh sh.wn on I'. W. h... II" .ighl n.ll, "now II" Clld. A' .ny limo .1," " ,...1 30 d.y. n.lico " you, or wl.lhoul n.lico II p''".n.d by I.w. w. ""y concolll!., Clld end Y'"' "'dr' pl/,d'iOl. n you, Clld is concolI,d or n'l "n,w,d. Irnone. d"'g.. end "h" '''' ,w,g conlmue I. b. .......d. p'y""nll wrll conlinue ,. b. due. end .11 .11", .ppl'cobl, pr"",,", "'h" Ai",,,,onl w,lI """in In ./locl. y," n"y concol Y'"' ".d,1 p"""gOl hy nohfymi us in w"hng. "MOIni th"Clldfsl 10 UI cui In hili. and ply;np YOu" enli" sl.lement, barance by the raymenl dUll dll' on Ihe .llIlemenl whjc~ 'ncludes y.our 'lnll purChase,: cash advances. chelglJS. and.'e... Your credll p""'egOl w/II b. concoll.d end no .dd"IO",1 Irnone. ,hllgll wdl b. IIJ1IOI.d. I w, concol or d, nol "now II" Clld, or ,I you lOll""," Y'"' ".dr' p"""ill. you ""y n. loni" w,,,, 'hOCk. 'n Y'"' Account. IndyoushoulddllJlroy .nyunused chtthwe hevei,sued 10 you. P",on.llnlormlll.n: Docu".nl.. You wdl gi.. us '11"'1 10 d.y. nolico il you 'heni' you, "'''''. h."" or ""llmg .dd"... ,.I'ph,", nun-IJOlI. "j,b. You wrll P"lJ1Illy gi.. uslnl"""II.n .boul you, llnanel.,./I.III II w...k ,,, II. W. may g" .uch In ,,,",,,,," ,,,,, OIhOl.. IndudlOi c"dl' "p"ling 'ion,i". end pro,id. y.ur .dd"" end inl"""II,n .houl you, Aceounll. "hOl'. W. may "so sh". su,h Inl"""II," wllh .ur .11111.".. "you 1", to fulIIII ,"y ., y.ur .blli''''"' undOl Ihi. Ai".""nl. . "'i'"'' ",d,1 "p,,, relloc'lng 'n y.ur '''dll "co'd ""y b. subnill.d I. '"d" "p'''ing .genci,s. Cus""or S...lco, Un"lh,,'red Use, 1011, or Thefl ., Cheeks or .h. Cord. E"h Catd 1ll1l1 b. .ii",d on "coip'. You w;U ""iu"d Ih. COld. you, personal idonlillca,lon nun-IJ" Iwhlch pro,idOl "CO" to AUI,"",.d T./I" Meehin..I. .nd .ny chock. I.su.d ,. you lrom Ih.ll. You w,1I k..p you, P"so",lld,nlillcali," nun-IJOI "pat." '"m you, C"d. "you disc"" " SU'POCllhll Ih. e"d " ,"y unU"d 'hocks ""011 "."'on." 'h'llh". may b, '" un"'h,,lred 1"","Ii," '" you, Aceounl. you will n,"'y us p"lJ1Illy by "1.ph,"lng 1.8g0,933.722I. You w;U ph.",. "on 'hOUih you ""y n,lIIy us In w'lllni. so w. con "I '''1 " IIniIIOl.OI end lI.blllly. You, I"blllly ,,, u",Ulh"i"d uso occulling b,',,, you n""y us is Ilni"d "'50. "you "P"I " w. SU'POCI u",lIIh"lred u.. ., you, A,counl. w'""y su'p,"d you, ".dll p'i""i" unlil w, "sol.. Ih. probl.m ,. .ur ."I.,,,,,on " issue you . now C"d. "you, C"d I. "" " .1.,,", you wi/l p"lJ1Illy d..lroy .11 ,heeks in your possession. To 1",,10VI CUSlomer service end securilY, you agree fhel YOUt calls may be monitored or recorded. Morehar, R.,.II,ns, W. wl/l not b. lI.bl. II eny P'"on or AUI,ma"d T./lOI M"hln. "'u". to h,"" Ih. COld or ""pl you, chock., or 1.11. to '''U'" 'h. Catd I. you. W. h... no '''p,n''billly I" good. end ""I"'purch"'d wi'h Ih. COld or ,hock. ''''pl " ",ui"d by I.w. IS" Spoci., Rul. b.,.w.! Cerloin b'",III. Ih.1 '"~ ...II.bl. wilh Ih. Aceounl .re Pro,id.d by Ihi,d.p."y ..nd,". Wa.tenolresponslblefollheqUlllily.IVllilabililf,orresullS01 any 01 lheservices you choose louse. S'.p P.ym.n' Ord.... "you wish I. '''p p.y""nl on · ,hock. you may ..nd us . 'I'p P'y""nl "d" by w'iling " us .1 ou, .dd".. ,,, 'US""", 'OI,ice 111I.d on your bill. You can mak, . .I,p P'y""nl ordor ,,,lIy by cailini Ih. nun-IJOI "'led '" you, .I".""nl. Wh.n you mak. . '''p p.y",,", "dOl, you ",,'1 p",ld, you, Aceounl nun-IJOI and .peelli, in'ormah," .boullh. ,hOCk, Ih. ""1 .moun" Ih. d... on Ih. ,heek, Ih. n."" .1 Ih. P'''y 10 wh,m II w.. pay.bl.. Ih. "''''' "Ih. p"son wh, siined II, end Ih, ,hock nun-IJ". You will b. Ilk.d to tonlilm .n .", 'I'p p'y""nl "d" In wrillni. W'""y diu.g"d you, ".1 ordOl II w. d, not recoi.. · .Iinod w'illon conll,mali," wilhln Iw. w..k. ",,, Ih, .,,1 "dOl" II you h... not .d.,uoI.,y dOl"ib.d ,h.ll.m .. Ihll p'y""nl con b. 'I'pp.d by ou, COIJ1lU'OI. Th. ordOl will not b. ./locll.. II 'h. 'hock w" p.id by us b.I". w. h.d . "...n.bl. 'PP"lunllY ,. eel '" Ih. "d". W. may. wi'houllI.bllilY, dlu'i"d . w,llI," stop peyment order six monlhs ,flet' receipt unless ills 'enewed in wriling. Stondard.f C.". See"" Ihi. Amun, in..'", b'lh eredil ca,d and 'hock "on"'''.n. which." P""'..d 'h"Uih "P'''I. n.II'n.1 'y'I.". b,'". 'h, l"nsocII,""" tonsolld'''d by us. endboc"" n'l ""I ,hOCk .nd COld .lIp w;U b, ..nl to us. "on""'on. in you, A,counl will b. Proco"'d ""'henically wilhoul ou, noc"'atlly re'i,wing "ory 11.,,- Our pro",.ing 'yll.m will ca/l ou, 'lI.nli," I. "'lOIn I"m. whi,h w. will...ni",. W. will ...nine .11 "ensocli,", whon you rep'" Ihll you, C"d " ,hock. hove b..n 'OIl "'I,'on. W. d. nollnlond ordln,,"y I. ...nino ./11",",. end w. will n'l b. "'i"i'"'" w. d. not d,... Thi. rul. ..Iobll.h.. Ih. 'Iond"d., "din"y ca" whi,h w. in g"d ,.llh will '..rci.. in .dnini'Ie,lng you, A,counl. Soc"..., ou, llni"d "vi.w. end boc"" n.ilh" you, concoll.d ,heek. nor Cord I"nsoc"," .lIp. will b. "Iu'",d I. you wi'h Ih. n.nlhly '10'.",,",. you .hould b. care'ullO .ntor ./1 ,hOCk. in you, ,heek "ii.,,, " othOlwi.. k"p . "'"d ., Ih.,,- You .hould .Iso sm you, ".dll ca'd cash .d..nco end purch... slips. You 'i'" to ,hock you, monthly "".""nll .g,inll you, re'"d and I. n'lIIy us P"IJ1I"y.1 '"y unalllh"lred I"n.aclion. oreUolS. W.lvar " Cart.ln Rights. W. may d.,.y" w.i.. on',rc.",,", .1 .ny p",isi," ., Ihl. Agr..""nl wilhoul "sing ou, ,ighl " ,"force il " ony "hOl pro,isi," I. Ie,. You w,i.., Ih. ,iihll. pre..n,,,,,",. d.mand. p,ot"" " n'llce .1 dish,"", eny .ppllcabl, .IIIUlo .1 Ilniloll,"S: ond '"y ,ighl you may hove 10 ",uire u. to P",..d 'i,inll .ny,na b.,,,. w. .ue you. Appllcobl. l.w: S""'blll'y; Aulgnm.nl. N, mallOl wh". y'u II... Ihi. Ag".""nl end you, Accou", or. g"OI",d by ,.dOl,II.w ond by N,w H'lJ1Ishire I.w. AI ony II... .1101 w. d''',nino in 900d I.i'h Ih., eny p"p...d ".nac"d "iisllll,n. reiulll"! ee"on. " judi,i,' doci.l," hll "nd."d " may "ndOl eny mal"i., p",isi," "Ihls Ag".",,", in..lld " unon,,,,..bl.. " ilJ1l'" eny IO"....d I", rep"IIOg "quire""n'. " othOl burden in to""eel"n wilh eny su'h p",i"," " ill on'orco",,",. w. may, ."" '11"'1 30 d,y. notico 10 you. or wilhoul n'lico II pernill.d by I.w. concol Ih. Cord end you"redil p",II'iOl .nd deel". you, A'tounl b.,once i_di.",y du..nd P.y.bl.. II onyprovi.i," "Ihi. Ag".monl is h.,d 10 b. in""d " u",nl""'bl.. you ond w. will tonsid" Ihll pro,lsi," mod,li.d I. con'''m " .ppllcabl. I.w, ond 'h. 'esl 'I Ih, plO,i.ion. in Ih. AU"'''''"' will .1111 b, on''''''bl.. bUI w. will h." Ih, ,iihl 10 tancol you, A,cou", ond docl... your b,'ance '_di.Ioly duo. os p",id.d in Ih. p"codlng "nlonco. W. may lIan.'" 01 ..sign ou, IIghllo .11 01 "... ., you, p'y""nts. ".1.10 I.w "qui". Ih.1 you "coi.. ",lico " su,h an .,,"' 10 P""" rhe purchaser or aSSIgnee. we mar give you such no lite by liIing a financing SI8lemenl with Ihe slale's SecrelalY of Slale. N.t/,... DlhOl ",",es I. you sh.1I b. ."oc"" whon d,pOlilod in Ih, mail .dd"md 10 you" Ih. ,ddre" sh,wn on ou, "'Old.. unl... ,'oni" nollce p"i.d I. .pocifi.d in Ihis Ai'..""nl or by I.w, whi,h p"l,d sh.1I ""1 upon mailing. N,"co I. us sh,lI b. m,ll.d I. ou, .dd"" lor cu.Io"", "',ico on you, S,.I'''''nl (01 'Ih" .dd"m. w, may spocllyl ond .h.1I b. ,"ocli" wh.n w. ",,,,, II. Your Billing Rights.. Keep This Notice for Future Us. This nolice contains i"",otlant inrormalion aboul your righu and our responsibililies under rhe Fair Credil Billing Ac!. Notify Us In Case of Errors Dr Quesl/ons AbDUl Your Bill " you Ihink you, bill I. wrong, 01 if you n..d more inlOlma"on .boul on on"y on you, bill. Wli" us. on . "P"'I. sh.". .1 ou, .dd"" 101 cu.,,"", ""ico 1I."d on you, bill. W,il. 10 us os "on os possibl.. W.""" h.., '10m you no 1.101 Ihon 60 d.ys .,,,, w. ""' you Ih. IiISI bill on whi,h Ih. ,,,,, 01 plObl.m 'PP''''d. You tan "'.phon, us. bUI d,lng so will not pIOlOl" you, ,ights. In your leller. give us rhe lollowing: .. Your name and Accounl number. .. The dollar amoUnl ollha suspecled error. .. O."'ib. Ih. 01'" and OIpl.in. if you can why you b.II". Ih.re IS an 01"'. "you n..d more in'orma"on. dOl"ib. Ih. il'" you ." "'I sure .bout. You, Riihts end Our Respon"bililies AI,OI W. Roc.i" You, Wri"on Notico. W'""II "knowl.dg. you, I."" wllhin 30 d.y.. unl... w. hov. ''''''led Ih. 01'01 by Ihon. Wilhin 90 d,ys. w. ""., .i'hOl ""'''Ih. '''01 01 OIp,.ln why w. b.Ii." Ih. blil Wll ""eel. AI", w. "col" you, ""01, w. canno'"y 10 "II'" any .moun, you Que"ion. 01 repOlI you os d.,lnquenl. W. tan co",inue 10 bill you ,,, Ih. 'mounl you ,ueslion, ineludini linonco 'h"gOl. W, tan .pply ony unp.id 'mou", 'i.lnll you, '''dllli",. You d, not hov. 10 p,y any quesli'",d .mou", whil. w. 01' in""lilling. bill you Ire still obligated to pay Ihe parIS 01 your hilllhSI arB not in quellion. " w. lind Ihll w. mad. · nill.k. on y", bill. you wlil "'I hove I. p,y eny linonco chOlg. ",.,.d 10 ony ,ue.".n.d 'mounl. "w, didn', mak. . nill.k.. you may h." 10 p'l'inance charges. and you will h", I' make up Ih. nimd p'y""nl. on Ih. qU"li.nod 'mounl. In .lIh" "". w. will ..nd you . .IoI.""nl ., 'h, 'mounl you .w. and Ih. d.I, Ih'l il is due. "you .1110 p'y Ih. .moun, w. Ihink you .w.. w. may "p.rr you os d.linquonl. H,w..." II ou, ..plan,"on d,OI nol .III.,y you end you Will. ,. us wilhin 10 d.y. lolling us Ihll you "iii "'u.. I. p.y. w. ""'1 "" enyon, w, repOlI you 10 'h.1 you ,u,,"on you, blil, And. w, ""'1 loll you Ih. n.... ., ony.no w. "P""d you I.. W. ""sl loll anyon, w, "P"I you " Ihll Ih. mall" hos b..n "1Ii.d bOlw..n us whon II fin.lly Is. "w, don', 1.II,w Ihes. rul... w. can'l ""ocl Ih. IiISI 150 "Ih. ,UOl"on.d 'mou"" "en if youl bill Wll ",,,,t. Special Rule for Credit Card Purchases " yo> h", · PlObl.m wilh 'h, Quolily ,t Ih. ioods " ""i", 'hll you purch'"d wilh ou, '''dil 'Old end you h." "i.d in good ,.ilh 10 ,or""lh. PlObl.m wllh 'h. ""rchonl, Y'U may nol h." 10 p'y Ih. remaining .mounl due on Ih. good. or s",ices. Th".." Iw. llni""ons on Ihi. righI' 1.1 you ",,'1 h." mad. Ih. purch", in your h."" '1"" 01 if n'l wllhin you, h,,,,, ".1.. wllhin 100 nil.. ., you, 'ur,,", mailing .dd,OIS: end Ibl Ih. purch." p,ice """ hove boon mo" Ihan 150. ThOl' lini,.li.ns d, nol .pply if w. .wn 01 'POl'Io 'h. ""rchen,. 01 if w. mall.d y,u Ih. .d,OI""",,", tor the properly or services. ) \ , I I) il. I I I~~ J '.1 I I I I I I ' .' " . ~ ~ 'I 'I 5g29 Th."sa M G.iskl PI5.911V I CC2I.90r I C21.90r \ ,r' \.~ , ' i' . . ORDER FOR SERVICE TO: SHERIFF OF CUMBERLAND COUNTY DATE: 26 FEB 1998 PROTH II: FROM: MELVYN S MANTZ & ASSOCIATES, P.C. Attorney 1.0. #62042 25 East State Street Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF CIVIL COMPLAINT PROVIDIAN NATIONAL BANK VS. THERESA M. GAISKI ADDRESS TO SERVE: 24 pine Hill Avenue Mechanicsburg, PA 17055 RETURN OF SERVICE TO: MELVYN S MANTZ & ASSOCIATES, P.C. P.O. BOX 2284 DOYLESTOWN, PA 18901 ~~.r t. 0- .... 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". ~. -:. litlj;..:" by --~ -7 2;- -~.~--~-/' < -~ ----- l\!()/,lit-)' _.1,<..:'1 1.7--- S~lo;-rl ilficl 2ubsCIl~0d () b'~~':-Ul C' n.;.:. t h .~ s _ LJ ~__ ,J::l i' '~: i 7JL(L.LL./~ 19_ 9.f__ n. 1), ( \..IU-.G..~...~-,---_ ::::::g. . .. '. I~. ,1.,....., t...t.. I (") .;:} n ~; c:.> d :::-t ~_: " .' ..,1 [jJ - , ; 'J ;~ , , .' ion ~'~ L,O :'C"J '. ; J , .. :~() , :-'; ..~.1 ";. ." ,.::- , ~ .__c.> ).- I ; :,.: c:: rn ~:; , .---< .... ~ 'j-, ..-,: .;> ~ j .~