HomeMy WebLinkAbout07-1386IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
vs.
MICHAEL J LICHTINGER
Defendant
No : D "I -- l 3~~
COMPLAINT IN CIVIL ACTION
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
05757720 C A Pit CXC
u
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
vs. Civil Action No
MICHAEL J LICHTINGER
Defendant
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
t
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:
MICHAEL J LICHTINGER
540 RENO ST APT F
NEW CUMBERLAND, PA 17070
3. Defendant applied for and received a credit card bearing the
account number 5291152126791512 .
4. Defendant made use of said credit card and has a current balance
due of $2195.94 as of February 27, 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
25.900 per annum on the unpaid balance from February 27, 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 MICHAEL J LICHTINGER INDIVIDUALLY in the
amount of $2195.94 with continuing interest thereon at the rate of
25.900 per annum from February 27, 2007 plus costs.
Jame C Warmbrodt,42524
WELT WEINBERG & REIS CO., L.P.A.
436 Seve th Avenue, Suite 2718
Pi tsbur h, PA 15219
( 2) 43 -7955
F : 41 -338-7130
57577 0 C A Pit CXC
This law firm is a debt collector ttem ing to collect this debt for
our client and any information ob ain will be used for that purpose.
wra.rsrrtyosrr agflerr
Your account is about to char_~e off as a bad debt.
• We report an Rg rating to credit bureaus when an account
charges off.
• Lenders and employers nationwide can access credit
bureau reports.
• An R9 will limit our ability to offer you financial solutions.
• You will still be responsible for repaying the debt.
Good news -it's not too late.
' Call s-Boo-g55-6~ for payment options.
• Pay with our free Check by Phone service.
• If you have online account access, log on to your
account and pay now at www.capitalone.com.
• Ifyou prefer, simply use the remittance
coupon below.
The purpose d this letter is to co8ect a debt Airy intormafion ot»ained voi8 be used (w that purpose.
02004 Capital Ona Services, Inc. Capital One is a federally registered servks made. AO fights reserved. p45.0apq
C4apitall~•
Aocotmt S
Previous Balance 11,150.79
Payments, Credra and Adjusunerm f,00
Transactions (41.00
Finance Charges =25.59
New BaLince 51,217.36
Minimum Amount Due (1,217.38
Payment Due Daze May 07, 2004
Total Credit Line i700
Total Available Credit f_00
Credit Line for Cash (700
Available Credit for Cash =,00
At your service
To call Co,tomc AeWioo, or to report a lort or rtolen nreL•
1-800-903-3637
sera payment m: Send inquirie t«
Attn: Remittance Proarturg
Capital Onc Setviar Capital One Service
P.O. Boz 8517 P.O. Bm 85015
Rifimond, VA 23276 Ridunond,VA 21285-50]5
COLD MASTERCARD ACCOUNT
529]-1521-2679-1512
MAR OB -APR 07, 2004
Page 1 of 1
Paymrnts, Credits and Adjustments
Transactions
1 07 APR CAPITAL ONE MONTHLY MEMBER FEE x,00
2 07 APR PAST DUE FEE 35.00
You were assessed a past due fee of 135.00 on 04/07/2004 because yea minimum payment was not
received by the due daze of 04/07/2004. To avoid this fee in the 5mae, we recommend thaz you
allow az least 7 business days for your payment to reach Capital One.
Finantx Charges P4sre.rn remeneJi& jar inr
oriant i
m
p
rr, jonn
on
!m t P~ APR ~ ~GE
PURCHASES 8939.07
CASH .07096% 25.90% u0 ~
8224.23 .070%% 25.90% 84.93
ANNUAL PERCENTAGE RATE a
lied thi
i
d
pp
s pu
o 25 gOgb
• PLEASE RETURN PORTION BELOW WITH PAYMENT
"'g'~'~°~ur~• 0000000 0 5291152126791512 07 1217380200001217384
New Balance Pkarrp.inr maillind aaialmanN r-maJrlyda belam wring b/ or blaaE i.k
11217.38
Minimum Amoum Due (1.217 36 smart
Payment Due Date May 07, 2004 Apr" a
~~ Rry Sna ZIP
Total enclosed S Hon, Phone
Acoonrrt Number. 5291-1521-2679-1512 aarn,re Pro,.
e
Find Addren
Capital One Bank
P.O. Box 85147 ~t~rrfrrr~~rr~r~~rr~r~
Richmond, VA 23276
~u~t~u~~nr~r~~ml,~~ul~nrl~nr~~nr~~nt~~ur~~ur~~ur~
#9009945067828263# MAIL ID NUMBER
~ MICHAEL J LICHTINGER
~^ 540 RENO ST
~ '- APT F
~ NEW CUMBERLAND PA 17070-1961
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Plcare wife yrour ariaunt nurubn on your rbak or money ordq made payabk to Capitd One BanE and mail in the enrlared emaekpe
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3, Amrd ~ Y wmrce or earn segmem.
oemape Ralp IAPRI.
•. The urm 'Amayl Permmape Rate' may spppr as
APR' on the Iram of dye nnemem.
b. If the code P IPrimd, L Gino. LIBORI, C IGnificne of
OePOdO. « S Is.rkmm Perrot appprc n the from of
die nnem«rt ron to the pedoAt rnelsl, tM periadc
rates and mrreaportGirq AHHIIAL PERCENTAGE RATES
cosy wry quertsdy a msY Irtneap or de«pp based
n tfa Hated itdtas, ea lead kr TM WM Sbsst
These dur~ges wW bye a Plecd~veNm tlte~~tlsY Wur
dNirp gdod covered DY Your pedodc natenem ta>dn0
the monde Jsraary, ApM, Jdy and October.
c. If the rode D Wrimel, F111~-pmpeoe LIBORI « O 13-mo.
s ~ re~x "ne~in to tM Yp«IOac raMnil'~iM pert oo6c rtes
aro mnaeporr6rp ANNUAL PERCENTAGE RATE may
vary mpsHy antl may increase «decrpp based n the
srnad ktdiras, as lard in The Ww Sken J«ny/, plus
wN bye ~ttect~ivwe m Ure fi~rd~ tot ou. TMp durpp
eaM momh. Y Your ~~ gaol
4. Aaaasrswrl d Late, OvarNmn aro RaYarted Paynrrnt Fps.
Your arises wW be apespd ro moo con two of the lees
lined here thn asr dump arty billing period. Under ihs
temp of yar monomer apresnern, ws reserve 1M ripM to
vwiw or rct to assail any tap witfcut pion natlfiudn to
You wtlhas waiving our rpm to assail the same « dmilar
at s lour time.
8. Y«r AeearR. If a msmbersNp tee
appears n the tram of Ws netsmem, you hew 30
dew from the dne tMa natam«s was mdbd to you to
avoid gykp da ip or to low stair be cmdtad to you
It you mural your atxaunt. puke dye gtlod, you may
candrats ro rtp your a~caas wlthou haMnp to qy the
mtmbarsfip lea. To cored your sccarB, you rrwt
rrodty u by WYng ail Crstomer Rdadaro Degrtmem
and psY yar New Sdanm' In M (exdutnrp the
memberWp trrc) Pd« to the sM of da tNnYdsV Period.
8. N You Close You Aoseue. Yw con request to dm
scones by CaIWq cur Corona Rdnfara
r nmam. You mud dsnroy you credt cordial and
eecorsn eRYp cloaks, 4rlad aR preaWtMzed biNkp,
and map udrtp yar atxpsa. R you do rot coned
Prsaulcri:etl Ibp amrrprn«ss, ws wtN mrtddsr
remipt « s tiarpe yarr atahodzadn ro mep«t yywot~rr
acc«rp. AdNdauBy, your srxorrd will not De dosetl
uNl you qy dl amours you owe u irtdtdrr4 any
tmrrpcuaro you haw eWerized, flrtsrce darpes, qn
due fees, owrllmh lap, rnumed gymerd file, uah
dvarrn tees arW any other bas assamtl to 1'err
accoray. YW arc reaPonlble rot t1aK !molds Whether
may apppr n ytar arcdrrc n the time you tailor ro
dog the atxuxaB or 1heY aro krarrcd wb.equem to
Your repast to tdop the eeeouh. This maY rpilt b
Herpes appeaenp n your ancard alter you Mw
i777M
wrwur: ore. r o o«wn the awrege tleily balance br the
biXnY ppeerod covered by tNs natamsm, we Lke the
bepminp belarce o/ pM sepmrss eaM clay, add any new
omrracdaro to mch prim and tabtrad ray gymems
tmtdhs. Ilt as cvde N appears on tlr tram or me
nnemem ro>Q to'Bebrtce Rne Applied To,' wa clan
auMrarx MY ugsid firortm dnrpe included in the Wlartpe
of eaM 1 TNs pivp rr tM logy 6derce oT pM
sepndn. Than. we add rp all 1M dWyy hdanen for each
segment f« dro bilYnp grind and 6vids by tlr tool
raniber of claw ti the biNino roriee_ TNa ,iu.. ~e .
your arxourt it It Ms Nresdy been dyed. For example,
ii you autlt«i:ed • groMp Tram a merdam and we
rctaiw the trarastxion tr«n da msnYam afi« your
eccorart hn ben dosed. Your acmun wYl bs reopened.
tla amour « the Burge win W addM m your accatas,
and you wiq ee rcaP«Mbb br gym«rt. n there Is .
tom ~dte~rpsdN to the~ena 'ttsd by I w, umK the
accoud arrm lus ben qtd in M as defined above.
). Uaip Y«r Aaarrua.YOUr mm « accoue carrot be
used M corrrecmn wiM arty imemn garnbgrp
iraraegloro.
&LLINO RIGHTS SUMMARY
Iln Gae Or Firs Or OtsMioru Abps Your Sin)
11 you think Yu+r 6NI is wrap, or if you raW moro
ktumratln n s transar:dn « tlN, write ro ro n a
pgme Bran as soon p ptWtle n the addrep for
irquldp shown n the from o1 tNS srnanrcrtL Ws corn
hear tram you ro brat dart 80 days ah« we arxa you the
Srn 6NI n wNM dre error « problem aPppred. You Can
atl au Cranom« Rdnbro rasober, but doirp ao will rqt
prcserw you ri(Irte- b you letter, pw u. the idlowirp
intomution; Your name aro stztttatt mmbn, the ddbr
amass of the rar4edad nror, a dpcripin of the error
arW n explarotin, if Ppdble, of why you beYeve there is
an error; or it you need more blormatrn, a descripion of
die item you an urwrc about. You tlo not hew ro qy arty
amount in qupyn wlib we an kwsnipadnp n, M you
rc nN obYpned to PaY the Pam of you d1 tNt am rwt
in graptfon. VJNb we Investlpsrc ycur gtnNn, we coma
e~eunY Wu ~ « eke any eaian to eollea the
i,t Spedd Rtye For Cradil Grd Ftrdasp
If you low a problem wim tla grWhy of property or
have ldedmM Yotr purtluaed with • ercdt urd aro you
good tahh m correct tla prMlem whh t1a
mndtent, You may Mve tlq ripfs na to qy the ramairing
amass due n the pragrry « prxicp. You haw tNs
prmepkwt ayy vAan the PurMaae pke was mom thin
160.00 aM the puchssa wee made m you Itanre auto or
whNn 100 mNp « you mainnp addrcp. 111 we own or
agms rite merdum, « H we maned yw the
adwniarurom for the property or aervicp, dl pxdasp
Pkaee rameml~ierrt~o agn an mneePOrrdenm. of purMep.)
'r 0baa nor apply m corawanw non-rradr exd secants
f Does ra« apply ro brrahieas ron-nadA' csN acearrrt
Gpitd One atppnrts Inbmtsdn pdwcy Ixotemin~ ail ou
webdle n www.updlttalane.mm.
Gphd Oro is • federaNy rmdnered aeMm mark of Gphd
One Frardal Grgrnin. I rights reanved. a 1003
Csphd One
OILOLBAK
ta. Gaee -arfed. Ycu wBl Mw i mirimun pram grind of
16 claw whMu frurce drs n row ptndrsps, new
balartm trcroum, row apadN PwMeses end new odrer
' dragip H you qy you trial 'NSw Balartm', in
ace«drtm whh tla kngrtsm N«im for gyments blow,
end b lime for n to be cretfited by tour ron natemam
dosing date. There is ro gram period n cosh sdvsrcp
end spadd trcroim. b ed4on, there b ro gram period
n any trarwerion If you do not qy tits totd 'New
bdana.'
b. AovuYp Fkranoa Clwrge• TrsuaclMw wNM arc not
he~latr the date rn themnsactins oar 2~1ram the deugthe 1
trarwdin is promsaed to your Arxroue or 31 frorrr the
first cabrdsr day o1 tM arrcnt bGlinp period. Addtforolly,
i1 you 6d not qy me'New Bdartm' /ram rite prcveau
dNkp period ro M, Bryce dugps ramsaa m arxrue to
Y«a ~ ~ unB the upeitl blares le pdd In M.
7hN wu cosyy p1N owe Bronco drarges, even if
you qy the erdirc New eel.rroe kdmted n da from of
your nnsmam by the nna astamtrrt doeirp dne, bu did
rot do so rot dre preN«a morph. UrpsW Brorrm dargp
am added ro the +ppikade sepnem of your Arxaun.
'r c. Mirimw Fitaroa Chnga. For each billing Period that
your eraxaan is st6jsd [o a frwce durpe, a mirymum
total FNANCE ptAROE of 10.60 wlN De imposed. If the
toW firrarce Marys rasretkp from drs appilutin of Yots
aginarc Irom stir a0~.5O mrrymun ind me d ereroe will t>e
6iNed u the gutless eepns of ywr atxwran.
'r d. Tartporary. Radud'sr kr f s grrga. We reserve the
~r!rQpm~ to not assail arty « NI firorrm dlargp for any pwn
tllIstp gripd
2. Avaraps OdY Balttoe Ikwktliro Now Ardrsesl.
s. Fitstce tdterpe Is caltalatad Y mddplyNp the tbny
belarrm of eaM seprrem of you accord 1a.4. rash
edvarim, ptrrdap, ePecid oeroter, and apedal I+urdWSel
ymrreyoM~ nptodeYV Wriadc nulel dwt M ben
tM bNli you. At the arM o1 salt day dudnp
rp grind. we apply the detly grioac tau br pM
sepnem of your sccotra u the dallyy blares of pM
sepn«rt. Thn n the erd of the d1Yrp period, we add rp
tlc tilde td mail dNy cdaNetioru to erdw n your
psrio6c firorrn dupe for pM aepnera. Wa add rq tM
ratite irom each sepmem to ammo at the tad pebric
firarrm drrye t« You +nrornt. To pn rite dNlyy bd~srta
~ rrm s~eprr~ of ymr atxxrsrt, we take the mpminp
pgmem and add arty raw traroamioro
erd any gdotic Brortce large cdednstl n the proNam
GY's blares f« that aspmam. Ws then etLtrcct enY
gymerp « tuatnu powad n of clot ley thn aro aaocated
TO tlu[ sapmem. TNS pvp u rite segrne MNy bebrce
New Bden~m eleven «~i ate. N°wev'r, it you pdd the
yon previous nnerrom b M for
i1 yes new belarce vwa zero « s credit amorrrtl, new
trarpcti«r whits pact ro you purdap « special
paclnp sepmams arc not added ro the dally bdaroes. We
Glaasts the ewmpe daNy blares by dl the doll
Wisrcp topetfar and tividnp tla sun b ranter otY
the clew in die rasrem bYYnp cycle. To cdcdne your tow
firwce Merge. multiplyy your average dally blares by tlrc
deny psriodc cote and Dy the ranrbsr of claw in the bNYrp
grind. Due to rour6rp n a 4Ny bads, them may be e
~~ ~ rye hetMn Uri anon and ifte nrrOUn Of
6. H the code Z « N apppn n me fi«s of cots nnemem
roc to ,tielsrrm Rate AppYad Tc,' we mddply tM
hrgMas Nozip; Paymems ~rtpe latro (1)wlll~be credi[ed to your accaun ae of tro tamness eey we receive ft, proNded (11 you mW the tartan qNn «tNS netemera one your Meck
n tro errdped remmance ravel gymem Is rocdved in ar Prompirq carnet DV 3 P.m. kT (12 non Pn. Plpp !lbw n Ipn Bw 151 buWtps M br
Paymems remivetl by p n any odor louun « b nY odter urn may rqt be credited p at the d• we rocdw them. Our business tls am Monde m w ponl deNVery.
Plpse do not use naplp, paper di nc. when properin r YY w Y raryt Saurdey, exdulinp hdid.w.
account br rite amass of the gy'rn~- When Yro send p a Mack(sl, you audcrize a to make a oro-Ume denrode traroler tlebil flan you bayt
dwck. This euMdzadn s p to an clacks recnwd dump the binirp eyrie even if pm by someone else, If we lama procps dre trarsisr, you aum«ize
ue to make a cherga ageirm your Wnk semen ulnp tro dreck, a qqr dull or Omer hem.
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, ~ ~ /'~ ~ja K tL ,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.
(SIGNATURE)
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
vs.
MICHAEL J LICHTINGER
Defendant
No.: 07-1386 CIVIL TERM
PRAECIPE FOR SATISFACTION OF
JUDGMENT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt
PA I.D #42524
WELTMAN, WEINBERG & REiS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#05757720
~ ~~
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
vs. Civil Action No.: 07-1386 CIVIL TERM
MICHAEL J LICHTINGER
Defendant
PRAECIPE FOR SATISFACTION OF JUDGMENT
At the request of the undersigned attorneys for the Plaintiff, you are directed to satisfy the above-captioned
Judgment.
WELTMAN, WEINBERG &REIS CO., L.P.A.
By: ~ L--~
James . Warmbrodt
PA I. D 524
WE M N, WEINBERG &REIS CO., L.P.A.
27 K pers Building
4 S enth Avenue
itts rgh, PA 15219
(41 434-7955
WWR #05757720
Sworn to and subs ik~~i
before me thi C:;iV~~~~C~idua' ~ ~-,: r~.~ ___
day of April ~~ No,ao7at sea(
I Wendy L. Gault, Notary Public
City Of Pi±sbur~t-~, a.;(eahenyCourtty
My Cprpn' ,ir ~xq+rF~ l,ly 15,2010
NOT_ RY P Ntember, Per.. ~ 4c~audn of Notarias
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SHERIFF'S RETURN - REGULAR
CASE N0: 2007-01386 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CAPITAL ONE BANK
vs
LICHTINGER MICHAEL J
TIMOTHY REITZ
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
LICHTINGER MICHAEL J
the
DEFENDANT
at 1633:00 HOURS, on the 14th day of March 2007
at 540 RENO STREET
APT F
NEW CUMBERLAND, PA 17070
MICHAEL J LICHTINGER
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: So Answers:
Docketing 18.00
Service 16.3 2 _f.,~~~~~C ~I~
Affidavit . 00 ~""
Surcharge 10.00 R. Thomas Kline
44.32 03/15/2007
WELTMAN WEINBERG REIS
Sworn and Subscibed to 3I By: ---- .--~
before me this day
uty S er'ff
of A.D.