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JOEL STEINMAN, ESQUIRE
Attorney I.D. #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
MIRIAM M. WEAVER
Defendant
NO, 90 /l-Jj
~
NOT r C E
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 other claims
or relief requested by the Plaintiff. You may lose money or
property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
JOEL STEINMAN, ESQUIRE
Attorney I.D. #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
MIRIAM M. WEAVER
Defendant
NO. 9f-J.2S3~ 7~
CIVIL
ACTION
1. The Plaintiff is Providian National Bank, a national bank with
a place of business located at 53 Regional Drive, Concord, NH,
2, The Defendant is Miriam M, Weaver, an individual with a place
of residence located at 701 Walton St., Lemoyne, PA 17043-2035.
3. At the request of the Defendant, Plaintiff issued to Defendant
a VISA credit card, account number 4428230871501184 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
"All.
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".
5. Under the terms and conditions of Exhibit "A", 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",
....
.
fa" .
~~,~5?YID~AN
. .
Pravldl.n Hltlon.1 Bull
VISA' Account
ACCOUNT AGREEMENT FOR
MlIi.m M Weant
You, ProYidi.n NllIan.1 o.nk VISA or VISA Gold ICcounlllhl "Accounl-/,nowl you to make pulthuu bW uling your VISA card flh. .C'ld"' whl"'" ills honored .nd to g'l cuh .dunell f10m us
or Iny olhlf p.,tk:lp.tlng lln.ncl.llnslltutlon. COn'llMllnn chicks may a 10 bl r,'DVid'd 10 you II In .ddlUonal WIY to us. Ihl Accaunl. In Ihil Agllllmenl. .you. .nd .you,. nln lIeh ptnon fOl whom
w. hi" Opined. (,tdit Clfd Actount. .W.: .our," "DUll," Ind .us" moan fll I" Providtln NlhaR.1 Dink or lis Issignlll. You may not bll elIGible for an AccounlII lOU nr I mtnter 01 youI household
'''lIdy II.VI. credit lecounl wilh fiRST DEPOSIf NAtiONAL DANK Dr PROVIDlAN NATIONAL BANK. Thl Account may be used only lor peuonl'. Ilmly, househol ,Ind ehlrUlbl. purpose.. .nd nol
fOI.nybusinlSl ar torrmtfclll pUlpOS'. You IndwI .gree'l 10nowl:
Cllh Adv.nc... BlllnClI you Ulnll"r 10 Ihll Aecounlhom olher ll!nd~J will bl postld IS cash ..dYlnCllI. You mey gal I cash Idnnel horn Iny VISA finlncllllnstitulion. II stlecl.d Automated T.IIII
MIChlnls. .nd by chKk. You may "qulSt cash .dvlnce checks by cllhng our loll,hll nurmel hied on your Illlemenl.
'.ym.ntl. You wil rective . monlhly st.ltmIflt showing YOUf oulIl.nding b.llnee. You VIlli PlY UI," U.S. donllllehKb lTllst bl Ply.bl. II I U.S. ollice ollhl b.nk Ihl chKk II dllwn onllllllst
Ihl p.ymenl du... shown on your st.lemenl by Ih. paymenl dUI dlt.1n .ccoldlnCI with pIwmanl instruclronl on wour monlhly .tlltmfflt. You may nOI Uti your convenienCl chich 10 make r,wmlnll
an your Account or 10 make p.ymenl' on .ny olher Itcount you hlVl wilh us 01 our 11I11illn. Thl pawment dUI Win bl: 2% of Ih. new t..1llnCI shown on wour II.tlment plu'lhe amount 0 .ny PUI
dUI P.ynwnI1flu. thl lmounl by which Ihl new blllnCllllceed. WOU, credll. bne pl1Js fell 10' cerllln opllonal sllvieu. tlOWIV. Ir. Ihl p'lymen. I dUI will nol be less Ihln t15lunllss your new bal.nce
Is Inllhln 5. in which CUI thlll'Wrntnl due wid be Ihl .mounl 01 thl new blllnttl. We may requill I higher mnilTllm pIwmenll1 youl Account Is pUI dUI or .boWl the credit tint. but we will
noUfy you blfoll d~ing so. II your plymant Is morf Ihln Ihe p.yment dUI. it win be trealed IS I single plymrnt Ind none 0111 wlA be Ippbed 10 lulu" plyrnenu dUI. W. mey ICtlpt rite Dr plrU.1
plyments. or plwmanu marked -plid In lull- or marked with olher "sUictions, wilhout rasing our right 10 conect IlIemounl. owing undef this Agreement.
FlntnCl Ch.rll.. hcapt" dlKlibed In Ih. Grlcl Period for Purch"ll secllon of this Agreementhlinlnce chlrges begin 10 ltelUe on I debit when It II Included In eilher the dlily purchue ballnce
rPurch.SI Blrlnce-I or thl ddW clsh Idnnc. ballncll"Clsh Advlncl Blllnce-I.nd conllnu. unld t al ballncels redutld by a i'~yment or credil. Any plymentlmount w. receive Ihll ..ceedl the
flnlnce chllglSlnd IHI Ihen dUI wiD liut reduce Ih. remaining Purchese B.llnce. Ind then. if the Purchesl Dalancl is lero. will reduceth. remaining Clsh Advlnce Dlllnce. Th. Purchu. Ind Cuh
Adv.nte Dlflntes Ir' reduced by plymenls I' 01 the date rK!lved. and by credll' (elceptlor reversals 01 lit.. OVef.~nil, end mscenaneous chllgesles 01 the dll' posled. Purcheses III included en
lour Purchase Ballnce es 01 the dal. made. Clsh IdvenclS ate Included in your Clsh Advlnce Dalance IS 10nowl: elsh advlnces from olher finlncial instilulions enll through AUlomated Teneri, IS 01
he d.tl madl; cash advance checks mad. plyable to you that are Idenlilied IS CllItlll's checkllnd mailed 10 you al your request. IS of seven dlYs eller the date we prinl on thl check: In olher checks,
IS 01 thl date presented 10 us: funds elecUonical1y transmned to olher lenders to ulnsler ballnus, IS ollhe dale trlnsmilled. Olher debils lelceptlor 1'1" over.liml, linlnce. and mscelllneDUI ch.rgesl
III Included in your PurchuI or Cash Advance alllnce II 01 Ihe dall posted. FinancI Chllgeslll added to your Purchue and Clsh Advance Bllancesllch dey and III then posled on thalut iflY
of the billing cycle. Thll.11 no petiod within which clsh advlnces may be replid wilhoullncufling I linence Chllgl.
To flgur. the dlay IInance charg.lor purchases end the deily finance chllge lor Clsh advlnces. we slaU wilh your previous dlY's Purchase Dlllncl and Cash Advance Blllnce, add .11 debits Ind sublleet
Ii credils lor the current d.y 10 the applicable Dllanceln elplained In Ihe pallgraph abovellnd roolliply Ihe net amounl by the Ippliclble daily periodic IIle lsee lollowing p.tegrephsl. The 'inence charge
lor purch.SlIII Ihen Idded to Ind included in thlt dlY'1 Purchase Bllance end the finance charge for cash advances Is then edded 10 Ind included in thai day's Cash Advanc. Ballnce. We Ifeal a credit
btllncllor any dal IS Ilia. Wa detllrrine the totallin.nce chllges lor Ihe b~ling cycle by Idding togethef the finlnce chllge lor purchases lor elch day wilhin the billing cycle Ind the finlnce ch.rge
lor cash ednnces or IIch dlY wilhln the billing cycle. In calcUlllin! linance charges. en adjustment will be made 101lny Iflnllclion or payment Ihet would have allected Ih. finance chlrge Cllculalion
In I prior billing cycle had It been posted in thaI cycla. The applicab. daily periodiC rale for such I tllnuction will be the fale in .lfeel lor the currenl billing cycle lither thin thl Ille in elfecI on the
dlte 01 the trlnslclion. The ballncelmounts shown on your slalement may diller horn the Purchue and Cesh Advence Dllances used in COrT1lUling finance charges, because Ihe Purchase Ind Cesh
Advance Ballnces do not Include eny lite. oVII.~mil. or mKellaneous chllrges which ar. Included in the beldnces shown on your stalement.
Th. term -Prime Alte- IS used in this Agreement means Ihe highest prime rill pubfished in The Wa' Street JQurn,' on Ihe liul business day 01 Ihe previous calendar month.
The ANNUAl PERCENTAGE RATE rAPR-) for purchases will vary and may be adjusted each billinll cycle up 10 6.90% above Ihe Prime Rite. Using Ihls lorroolil. the daily periodic reta lor purchases
In Ihe August 1995 billing cycle wm be 0.04356%. corresponding 10 an APR lor purchases 01 15.90".. The APR lor purchases will in no event be less than 15.90%.
Thl dlily periodic rale for cash advances Is 0.06000%. corresponding 10 In APR for cash advances. including balance translefs. 01 21.90%.
Any increase or decrease In e Vlriable APR will take elfect on thllilSt da'l 01 your biliing cycle and may resull in I slighl incre"" Of decrease In the amount of your ninifT1Jm payment. We may rlise
your APR if your Account is past due or Ibove the credil limil. but we WI I notily you belore doing so.
To detet'mnethe IVet'ege dl~y balance shown on your slllementlor purchases. add each day's PurchlSI Balance fLncluding daily finance chargel in the bming cycle and divide by the nurmer 01 days in
the bilrmg cycle. To delllmne Ihl IVeflga da~y balance shown on you, slalement lor cash edvances. add each day's Cash Advance Balance 6ncluding daily finance chargel in Ihe biDing cycla Ind divide
by thl nuntler 01 days in tha billing cycle. You can roolllply each of Ihese averale daily balances by the nuniler at days in the billing cycle and by the applicable daily periodic rale 10 obtain subtolals.
Ind then Idd the two sublotals together 10 determne the tolal amounl 01 your inance charges lor Ihe billing cycle.
Grlel PerIod lor PUtCh.lIl. New purchlses posted 10 your Accounl in billing cycles when the previous bllance was refo. or when the previous balance WIS funy paid during the cycle. do nol begin
10 Incur I finance charge until the stilt of Ihe nell billing cycle. You can avoid any finance charge on such new purchases if you p,y the tolal new balance in fun by thl payment due dale shown on
your slatement. New purchases posled in Iny olher billing cycle incur a finance charge from the date Ihe purchase Will made Ind Iherl) is no period in which such purchases may be repaid withoul incurring
. finlnce chllge. There is no period In which Clm advances may be repaid withoul incuning a linance charge.
Fill. We wia charge your Account up to S 13 (or: each Card you ask us to replace; each relurned payment cheek; each cheek you wrile on your Accounl that we relurn unplid; elch Slap peyment order
or renewal 01 such an order: each billmg cycle within which your Accounl is delinquenl aall chargel; end each billing cycle wilhin which your ballnce elceeds your credit line. II you laqueS! copies 01
billing stalemenU Ihat wete Iilst senlla you more than Ihree monlhs earlier, we may charge I fiandling fee 01 t2 for each copy.
OlftulL You will be in dellult: if you were not eligible for Ihe Account allhe time il was opened: il you laillo co",ly with Iny part 01 this Agreemenl; If any Inlormation you gIVa us proves to bll
inco",lete or lalse; upon IOU' dealh. benkruplcy, or insolvency; if IOU fail 10 pay olher debts when due: il a bankruplcy pelilion is filed by Of Igainsl you' or il we believe in good faith thai you may
nol payor perform your ob 19l1lons under this Agreement. On your de ault we may. withoullurther demand or nolice. cancel your credit privileges, deClare your Account balance irrInedialely due Ind payable.
and invoke tiny rerriedy we may have. In the event of your delaull. the oUUlanding balance on your Account shaU continue to accrue intereSllt the APRlsl diKlosed In Ihe Fln.ncl Charges secllon 01
this Agreemenl, even II wa have sued you to collect Ihe amount you owe.
Credit lInl. Your c"ditline is specified from lime to time in a separate notice. We may increase or decrease your credit line based on inlormation we obleined horn you or you, credit records. Your
IVllIable credit is normally Ihe difference between your credilline end your Account balance (including transactions made or authorized but not yet palled). For certain cash edvlnces. lVailable credit
may be leu. You will not use your Account lor. and we may reluse to honor. any Iflnsaclion which would cause you to elceed your aVlilable credil.
Proml.. to P.y. You promise to pey us when due all amounts borrowed when you or someone else use your Accounlleven if the amount charged elceeds your pernissionl. all other trlnsactions end
chllges to your Accounl.lnd coUeclion costs we incur including. bUI notlimiled to.tlIsonable anorner's lees and coull cosls. 111 you win Ih. SUIl, we will pey your lllsonable allornry's fees and coull
costs.)
Chlnges. We may change any part of Ihis Agreemenl or add or remove requirements aller nolice as lequired by law. II we change the Finance Cherges section 01 this Agreement. Ihe new linance
charge Cllculalion will apply 10 your whole Account balance horn Ihe elfeclive date ollhe change, whelher or nollhe balance Includes ilems posled 10 your Accounl befote the change date Ind whelher
or nol you conlinue to use the Account.
For.lln Exch.ngelCurrency Conv.nlon. II you use your Card for transaclions in I currency olher than U.S. dollars. the Itansaclions wiD be converled to U.S. doUars. generatty using eilher I
fLl. governmenl.mandated rile or ml wholesale market rate in ellect the day belore the Ifansaclion processing dale. increased by one percent 11%1. If a credil is subsequently given lor a lIansaction. it
will be decreased by one percenll1%l. II the credil has a dillerenl processing dale. then the elchange rale of the credit can be grealerness Ihan Ihat of the oliginallransactlon. The currency conversion
file on Ihe day belore the trlnsaclion processing date may dllfer horn Ihe lale in elleel at Ihe time 01 the uansaction or on the dale the Ulnsaction is posted on your Accounl. You Ig'ea 10 Iccept
the converled lmounl in U.S. dollars.
The Clfd: C.ncell.tlon. Y~u will re~urn.the C~rd to us al our request. The Card elpires at Ihe ~d 01. I.h. month shown on il. We have the fight nOllo !etlew the Card. At any lime Iller It lelsl
30 days notice to you, or wI,thoul ~ouce II permlled by lawhwe mar cencell~e. Card and. your Cledll Pllv.delles. .1I.your Ca,d Is cancelled or nol renew~d. '!n~nce chlrges IQd olhe, lees win conllnue
to be assessed. pay~nts will contlMu.e to tie due~ end all at er Ipphcable prOVISIons 01 thiS Agleement WID remam In ~lfe~t. You mlY c~ncel your Cledll pllvileges by nOlllymg UI in writing. returning
th.l. Clldlsl ~o us cui In half, Ind plYI,ng your. enhll slalement, bala~ce by thl raymenl due dale on Ihe statement WhIC~ Includes y.our final purch~ses, ~ash edvlnces. chillies. and leis. Your credit
puviJeges will be cancelled Ind no Iddluonal finance charges WIn be lfT1Iosed. I we cancel or do nOllenew the Cerd. or II you termnale your credll prIVileges. you may no longer writ. chKks on your
Account. Ind you should desuoy any unused cheeks we have issued to you.
Plflon.llnform.tion: OocumentJ. You wid give us alleast 10 days nOlical! you change your name, home 01 mlilinlllddress. lelephone nUrmlls. or job. You will ptO",Uy give us Information about
your linlncial.lIlirl it WI ask for il. We may get such information horn othefs. Including credll reporting agencies. Ind-provide our address and In' our Account 10 olhers. We may 11$0
5606 M'i.m M WIlY" P15,90V I C21.90F
EXHIBIT
1..,)5;
0820.\
&hI" luch fnlofnllUan wllh Ollt .llIli.llS. II you '.11 10 lulllll .ny 01 your abllg.lions und.w Ihll ^gll!l!ffil!nl. .. n!VlIli.. ClIdll'l'port IIl1e[liolf on rllm Clld., tllCord may b. lubnillld 10 uedit "palllnW
.g.nd...
Cultomll Slfvlu: Un.ulhofllld Uu, toll, at Th,U a' Chich or thl Cud. he" C.,d "_.lit b. sig"td on ,celli,'I. Yoll wdl..fegulld II" Cllet. YOllI PtlJonllllll,ntiliulion nun'" 'whIch pro.id..
ICCln 10 AUlomll.d Tener Mullln.lI. .nd .ny chtchlllu.d 10 you hom Ihllll. YO,lI Win hIp YOUf pllIson.,ldenllllcalion nu'f'il" Illllllllllltom YOlll CIIII. "!OU dISCO.1f Of Iusplerlh.llh. Cluj Of
In, unul,d chid. ""011 ot _fullfl, or Ih'llhll. tN, ht .n Im.ulholi/l!d IIlnllchon on your Account. YOll will nOll'T. UI pronlllly by IlllrphOni,,! UDO.UJ. 22t. You Wl~ phon., .nn Ihough yoo
may noUly Ulln wIlling, 10 W. tin .cl 1111 to 1I1h1101l1l IInd II.bIll1r., Your lI.hlllly fOI un'ulhorlltd use OCCUlllnlJ be 011 you nOIII'1 UIII IIIlIltd 0 .50. "you IfIIOIl Dr W. IUllltcllln.ulholllld us.
0' "our Accounl, w. may IUsplnd yout Clltdll pII'tlegu unlll W. IISO V. Ihe f1fobl~n 10 OUI l'llll.cuon or IUtle you. nlw Clld. , youI CII" is 1011 at Uollln. you Win plon~lIy d.."oy .11 chICh in
yout pOII.lllon. fa kr1IIOV. cUllo~t I"vice IInd IICullly, YOll .Uleelh.1 YOUI un. lMy bll mantloled or "cor lire!.
M.rch,nt ".I.lIonl. W. will not b. bhl. II .ny p,non 01 Aulo,,,,,,d lenel MlChin. lIlUSIS to honol 1/1' CIIII Of ICce"'loUf c1lech. 01 11111 10 "Iu," Ih. C,ud 10 you. W. h.VI no lIlpOnlibilily lor
goodl .nd "'vlclI pUlchll" wllhlh. ell" or chICh UUpl II leqlHfl'd by law. IS.. Speci.1 nul. below.1 tllllllln bene JlS Ihll 1ft IV.II.bl. Wllh Ih. Account .11 plovld.d by Ihird Pllly vendOIl.
W. '" nol fllponllbl. for lh. qu.llly, IVld.blllly, 01 rnullI ollny 011111 Jelvices you chooll 10 use.
Stop Paym.nl Order.. II you wish 10 Slop p.ymtnl on · c1leck, YOtl nllY Jend UI I 1I0p p.yment ofd!!1 by wlitinlllo III III our Iddllll Inr cuSlomot seIVin liUed on tOuI bi~. You cln mah I Slap
p.ymenl oldff OflNy by Cllbnlt Ih. nuniu1I11I1.d on your 11.lemenl. Whpn you mah I Slop p.ymtnl oldff. you 111111 plovid. YOUf Accounl nun'b&l' .nd Sfl,clllc Inlofmal on .boUllh. ChICk: Ih. '.ltl
Irmunl. Ih. dll' on Ihe chICk. Ih. n'mI ollhl pltty 10 whom It W~I PIYlbll. lh. n'IM of.lhl pel~n who lignlld ii, Ind Ih. check "urTter. You will b. uhd to conhlm In aliI 'lop p'Ymlnl oldllt
In WIlling. W. fTIIy dilltg.ul youI all' Older If w. do nOI reCI1VI . Sluned WIlli", COnhllNllIOn wllhln Iwo we.ks .11" Ihl 0111 Older or II you h.v. nol Id,quIlely dllCllb.d Ihlll,m so Ih.t P.yrrwnl
Cln b. slopped br OUI co",utlt. fhl Older will not bl I!leclive il Ih. ched WII plld by UI b.folll w. hid I "asonabl. oppollunily 10 ICI on lhe Older. WlIlNy, withoulli.bl~ly. dill'ltlld I wIlllen
'lap p.,mrmt oldff lis monlh, ,fill receipl unlen Ills IIn,wed In WIlling.
SI,nd"d af CIII. D'Clulllhls ACCllunllnvolvlI bOlh cI.dit Cltd Ind ch,ck IlInslClion. which III plonn,d IhlOUgh "pIIII. nlllonallyslPm, b,'oreth, Itanllcllon' III conlaMII.d by us. Ind hClUII
nol lvety ch.ck .nd e'Id slip win bl .mllo US. IlInllClionl In your Accounl Will be procen.d mlchlllically wilhoul out necesslrlly "vi,wing lVety item. Our!IoceulnQ ly'l.m Wtn Cln out 'Il,nllon
10 Cllttlln IIlms which WI win I.,mn.. WI Wllllllmnl aUllInslClion, wh,n you lepolllhll your Clld or child I hIVe bun 1011 or Ilolen. W. do nOllnl~ otdlOarily 10 IlImn. 1lllIem. .nd WI
lf4in nol b. ntgtiQlnll1 w. do nol do so. This fullllllbhshu Ihl '1Indlld 01 ordinllY carl which WI In good f.llh WIll ellrci" in IdrrinlUering your Account. DeClulI of OUI Ilmlld fevllw"nd b'ClulI
neilh., your Clncellld chICh nor Clld u.n"clion slIps will belllU/ned 10 you wilh Ihl monlhly Ifllemenl. you Ihould bl clrelullo Inlll III chllcks In .loUI check IIgisler at olherwlll .ep I IIcord
af Ihem. You should .Iso IIVI yout Clldll clld cIsh .dVlnu.nd pUlchlSlllhpl. You .gree 10 check YOUI monlhly lIalemonu Iglin.1 your recold Ind to nail y UI pro",lly 0' any unlulholfr,d Itlnllttlons
orllrolS.
W.lvIt of Cerllln "Ightl. WI mty dellY or w.iva .nlolcemenl 01 .ny provision 01 Ihil Agllemenl wllhoullosing our liUhllO enlolcelt or Iny olhllr provi.ion Iller. You w.ive: Ih. rlghllo presentment,
dltnlnd, prolest. or nolice 01 dishonol: any applicable slalUle ollinillllonl; .nd .ny righl you may h", 10 requirl us 10 ploceed eg.inll anyone beloll WI SUI you.
Appllclbl. hw: Sevltlblllty: AIIlgnm.nl. No mailer whell you fiVl. this Agreemenl Ind your Accounllll governed by ledet.1 Ilw Ind by N.w H,",shiflllw. At Iny lime liter WI dll.mine In
good flllh thlllny ptOposed or enltlilll'gillllion, flgulllOty IClion. at judicill decision hIS rendered or may flndellny maletla'-plovision ollhil Agllemenl Invllid or un,nfolc'lbll. or I",oll.ny Increased
"I reporting lequirrmenl, or olhff burden in connection wilh any such provision at III enrOtc.menl. WI may, IIIIlI alleaSl 30 dlYI notic. 10 IOU. or wilhoUI nolinlf perrrilted by law. clncel Ihl Clrd
Indlour creoil plivileges In~ deell" youI Accounl ballnce i~~i'lelr. dUllnd pIYlbl.. I' any plovision of Ihis Agreemenl is held 10 b.1 invali or unenlorceabl.. you Ind WI will consider Ihll pro~lsion
modi ied 10 confolm 10 .ppllClble Ilw. Ind Ihe tesl olthl plOvlSlons n Ihe Agrtemenl wdl sllll b. enlorcubl.. bUI we will hlV' Ihe tlghl to Clncel your Accounllnd declare your bllance lornedllllly
due. II plovldlld In Ih. preceding senlence. WI may IlInsler 01 ,"Ign OUI figtillo III 01 some 01 your plymenu. If stile law requilos Ihll you receive nolice olluch .n evenl to ptOlecllhe pUlches't
at llsignee. W. may give you ,uch nolice by Minll I Iinlnclngltllemenl wllh Ihlstlll's SecretllY 01 Sial..
NotlclI. Olher nollces to you shill bllfleclive when deposited in lhllTllil addressed 10 you allh. Iddress ....own on OUI records, unlell a longer nollu period Is specili,d In this Agreemenl or by law.
which period shill SlIII upon mailing. Noliulo UI shill b. mailed 10 OUI Iddrell fOI cUltomel servicl on yout SIlUement 101 olher addlesses we may specifyllnd shill bl elfeclivl when WI recllvllt.
Your Billing Righi' .. Kllp Thl. Hall" fat FUlulI Use
This nollce conlains i",oll.nl inlormallon .bOUI your rlghll and OUI fllpOnsibilili1l underlh, fBir Credit Dilling Acl.
NOllfy U. In Clle of effor. or QUIlt/ons Aboul Your Bill.
II you Ihink your bill Is wrong. or If you need more inlolmaHon aboul.n enlty on your bill. wlill us. on. sepallle shllel. It out addren lor Cuslomer lervice lilled on YOUt bill. Wtila 10 ulal soon ..
pOlsible. W. ITIJIt heal 110m you no laler Ihln 60 dlYI efter WI sent you Ihl filii bill on which Ihl ellor at ploblem appeared. You can telllphonl us. bUI doing so will nol pteserve your righu.
In youI IllIer. givI ulthl lollowing: .. Yout nlme .nd Accounl nUlOOer. The dollll amounl 01 Ihe luspecled Illl0l.
.. Delclib. Ihl '"or .nd uplain. If you can ~hy you belillv, thete lI.n IIIor. II you need rmre infolmallon. describ, Ih. ilem you III nol sulllboUI.
Your Rights and Our Relponsibililles Allel W. Receive Your Wrillen NOlic.. W. ITlIsI eckno~ledg. your leller wilhin 30 daYl, unlen WI have COllecled Ihe ellOI by Ih.n. Within 90 d.ys. WllTIJsl eilhel
conecllhe enor 01 upllin why WI believl the bill WII COllecl. Aller we receive yout leller. we Clnnol IIy 10 coUect any amounl you qUlllion. or repoll you as delinquent. W. can conlinue to bill you
'or Ihllrmunl you qUlllion. inclUding linance chllges. W. can .p~ly Iny unplid ermunl eglinsl your credUlrne. You do nOI have to ply Bny queslioned amounl whilr. we are investigating. bUI you arl
IliII obligated 10 ply Ihl pillS 01 YOUt billlhlllll nol in queslion.
" WI 'lnd Ihal we made a mSllh on YOUI bill. you will nol have 10 pay .ny finance charge refaled to any quellioned amount. It we didn'l make a mSlake. you may have 10 PII'inancl charges. .nd
you will hive to make up lhl mned paymonls on Ihe questioned llmount. In eilher case. we will send you a slalemenl of Ihe lmounl you owe Ind Ihe dllllhal il is due. II you Iii to pay Ihe lmounl
wllhink you OW.. WI may report you IS delinquent. Howlver. if OUt 'Iplanllion does nOllllisly JOu and you wrile 10 UI wilhin 10 days lelling us Ihat you slill leruse 10 PlY. we ITIJIII.II anyone
WI report you 10 Ihllyou queslion YOUt bill. And. WI ITlIII lell you Ihe name 01 Inyone we repolle you 10. w. ITIJII lell anyone WI report you 10 Ihal the mallet has been sellled blllween UI when
Illinllly Is. II we don I 'onow Ihesl rules. WI can'l callecl Ihe fiul $50 ollh. quulioned lmounl. even if YOUf bill was COllect.
Specl.1 Rul. for Ctldlt Card Purchllu.
II you hlVI e ~roblelR wilh Ih. qUllily 01 the goods or lervices Ihll you purchesed wilh our ctedil cald end you have trilld in gOod failh 10 conecl Ihe ptoblem wilh Ihe metchanl, you may nol hive 10
PlY Ihe remaimng .mount due on Ihe goods or services. fhere all lwo ~mlalions on Ihil right: fal you mil have made Ihl purchase in YOUf home lIate. or if nal wilhin YOUI home lIele, wilhin 100 nilal
of youl cunenl mailing Iddllll: Ind lbllhl pUlchase price 10011 have been more Ihan S5[ These lirritations do nol apply II we own or operale Ihe metchanl. or if WI mailed you the .dverlisemenl for
IhepropenyalletVicu.
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JOEL STEINMAN, ESQUIRE
Attorney I.D. #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 COr~ON PLEAS
VS
MIRIAM M. WEAVER
Defendant
NO. 98-1253
VERIFICATION OF NON-MILITARY SERVICE
Joel Steinman, Esquire, being duly Sworn according to law,
deposes and says that he will make this affidavit on behalf of the
within Plaintiff, being fully authorized to do so, and that he
knows of his own personal knowledge and therefore avers, that
Miriam M. Weaver, Defendant, is over 21 years of age; that his/her
place of residence is located at 701 Walton St. Lemoyne, PA
17043-2035, and that he/she is employed and that he/she is not in
the Military of Naval Service of the United States or its Allies
or otherwise with in the provisions of the Soldiers and Sailor
Civil Relief Act of Congress of 1940 and its amendments.
Joel Steinman, Esquire, further understands that false
statements made herein are subject to the penalties of 18 Pa.c.s.,
Section 4904, relating to unsworn fa si 'cation to authorities,
\( L STEI , ESQUIRE
ATTORNEY FOR PLAINTIFF
,---..-..
PURSUANT TO
REQUIRED THAT WE
COLLECT A DEBT.
PURPOSE.
THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS
STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO
ANY INFORMATION OBTAINED WILL BE USED FOR THAT