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Home My WebLink About03-1290BURTON NEIL & ASSOCIATES, P.C. By: Burton Neil, Esquire Identification No. 11348 26 South Church Street West Chester, PA 19382 610-696-2120 Attorney for Plaintiff CITIBANK SOUTH DAKOTA N.A. 7920 NW 110th Street Kansas City, MO · IN THE COURT OF COMMON PLEAS Plaintiff JENNIFER J BONNER aka JENNIFER PARSONS 206 Steeltown Road Newville, PA 17241 Defendant · CUMBERLAND COUNTY, PENNSYLVANIA · · CIVIL ACTION - LAW COMPLAINT NOTICE 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 (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 claim 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. LAWYER REFERENCE AND INFORMATION SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 71%249-3166 or 800-990-9108 BURTON NEIL & ASSOCIATES, P.C. By: Burton Neil, Esquire Identification No. 11348 26 South Church Street West Chester, PA 19382 610-696-2120 Attorney for Plaintiff CITIBANK SOUTH DAKOTA N.A. 7920 NW 110th Street Kansas City, MO · IN THE COURT OF COMMON PLEAS Plaintiff · CUMBERLAND COUNTY, PENNSYLVANIA JENNIFER J BONNER aka JENNIFER PARSONS 206 Steeltown Road Newville, PA 17241 Defendant · CIVIL ACTION - LAW Complaint 1. The plaintiff is Citibank South Dakota N.A., with place of business located at 7920 NW 110th Street, Kansas City, Missouri. 2. The defendant is Jennifer J Bonner aka Jennifer Parsons, who resides at 206 Steeltown Road, Newville, Cumberland County, Pennsylvania. 3. At the defendant's request, plaintiff issued the defendant a credit card with account number 5424180107499706 for the defendant's use in making credit purchases and securing cash advances subject to the terms and conditions governing the use of the credit card. Attached hereto, made a part hereof and marked Exhibit A is a true and correct copy of the terms and conditions· 4. The defendant accepted the credit card and the terms and conditions governing its use for the purchase of goods, merchandise and services and/or for cash advances from vendors who accepted plaintiff's credit card. In using the credit card, the defendant agreed to comply with the terms and conditions governing its use which included the obligation to pay plaintiff for all charges made in full upon receipt of the statement or in installments subject to monthly finance charges. 5. The defendant utilized the credit card by making/obtaining purchases of goods, merchandise and services and/or cash advances from vendors who accepted the credit card. Monthly statements were sent to the defendant which detailed the charges made to the account including finance charges, late and/or, over limit charges. The balance due for the charges made by the defendant including any finance charges, late or over limit charges is $3,837.42. 6. Defendant did not pay the balance due in full upon receipt of the billing statements and failed to make the required minimum monthly payment set forth in the billing statement. As such, defendant is in default of the terms and conditions governing the use of the credit card. 7. Although demand has been made by plaintiff upon defendant to pay the sum of $3,837.42, the defendant failed and refused to pay all or any part thereof. 8. Plaintiff alleges it is entitled to recovery of its attorneys fees from defendant pursuant to the terms and conditions governing the account. Plaintiff's counsel is not a salaried employee of Citibank South Dakota N.A.. Plaintiff seeks recovery of attorneys fees in the sum of $729.11. WHEREFORE, plaintiff demands judgment against the defendant in the sum of $3,837.42, attomeys fees in the sum of $729.11 and the costs of this action. BURTON NEIL & ASSOCIATES, P.C. Burton ~i~e Attorney for Plaintiff In making this communication, we advise our firm is a debt collector. Cfhbank Card ~ ~reement Lqin% %]our A_ccoun c an d Your Credk L~ e: iim~% is ~vzfl~bla for cssh ~dvanc~s_ A~ om- ~3~don . tomy c~g~ yo~r cr~dk ifn~ or ~h advmct l~z do, eirlner by m~] or ~o~ tine bhang s~e~e~ scar e~d~er before of ~er ~e ~ges ~ke affecn You ~ay r~uesr a tin,ge ro ycur credk !~e or c~sh xdxmnce ~mir by conmcrhng C~rcmsr Sar~ce by telephone or mall_ The fia~J amoun[ of your ~edir ihne is available [o buy or lease goo~ or sec'ices wherever ~e ~rd is honore& Yom- cash ~dv~nce tim/r for ~sh ~ough any bank or ~Qmar~d teller machine d~at accep~ the card or by ~i~ Citibank dnec~. Th~ ro~ amour chm~ged on your ac:ounr, hnclu~g p~h~, b~ce ~fe~, ~h advmncts, finance charges, fe~s, or o~er ch~ges, m~r ~way~ rema~ beJow yom- ~edir ib, e. However= if d~r m~ mmom~ exc~ yom- cre~r [~e you mu~ ~dll pay ~. Yo~ c~rd m~ 9n~Y be used for la~l Tau .--.2~' reonc~ =_dd:.don~ ~ard-s o~ i-'o~- zzco~n~ for vo~e~f u~o~, ~cludin~ cb~s for wSjch yon ~:5' ?~.z:':~ j~sm barsh/p B~Hing: Yom- b~L~ srzreme:r shows d~e b~nce, any ~2ance chin-gas, mL-~':~ m~d ~e oaS-men~ due dare. i~ ~so shoxvs your c~nt ~24]r'Hn~ ~nd c~h adv~ ~i~ ~ im~zed li~ of cu~nr ch~es. Ckib~X checl~ ~avmen~ ~d cred~: a raymaC; show~ng sepa~!y due purch~a and c~h zdvmnc= b=d:2c*s, and tin,nc* ch~-ges ~s~ssad on each i~a~manu x~-e ~ay, [~ our soic db~fion, ~op sendfng you bilEng delinquency coEecdon orocaa~uzs by sand{ag k ;o an ouzslde cot!action agency or a~omey for coUecdon. You m~r 2od~' ,~ of a chan~e in yom- address by canmzdag Sa~ic~ by reiaohcne or m~!. ~a w;~i ~={~ or d~iivar due b{!!Lug ro only one mali~ng ~ow We Determine ~e ~ne ror~ our~n~g ba}anca (the amour you owe ~) ~ope~s ~ the =New B~znc? on ~e bH!~g ~mmenr. To dau~ine ~a New BJanca, wa beg~ u,i~ the ou~-~ndl2~ b~anc* on yom- account ar ~e begimning of each bfIi~g pado~ c~la~ the ~Prav~o~ BMoc*" on ~e bHHng ~atemanr. We add any Cm-chas~s z~d ~h adv&ncxs and rdbrmcr any payments and credi~ m~<~ od~r ~plic~bfe adjustment. .~nuaI Percentage ~ for Purchases and Ca~ AdVance*: ~-om- ~mu=~ parc~n~ga rares and any co~aspoadi~g /~iy er ~fiodic razes appear on ~e ~ccompan}bg leaer. A dzHy padc~ic 2~e ~ppBc~le ~muai percentage ~ dN-fde~ by 365. A monduly ge~odh _-ace ~e applicable ~nau~i percentage rose divided by i2. ~2~echer o: a~m~ pe~nt~ rz~ is x-a-i~e ~s ~mdi~rad on th~ accompanying PIe~a see ripe s~cfion enddad '-i-m~zb!e Amn,,-~ Pe~enrzge Ra~es for Patchier. mud C~h .Advance- for d~r~!s m!~ng ro kou' ~hese rares may Variable ~anua/Perceffmge Rares for Purch~ and C~h Advances: If~e ~nm~ p~c~n~e ~re for push,es is b~ad on the U.S. P~me Rase pi~ = ==~g wa will calcui~e ~he mm by ad~;=g nhe ~pH~bie m~Jn ~e U.S. P~=ma ~s~ ~ rexdewad on a'qu~xer!v or monduly b~s is indicated on ~ha -~co~vi~ le~ar, if k ~ ~vi~w~ oumw~v, ir ~ rex~u~d on due ~j~ ~ iues&y b a hoiid~y: ~ wi!! ~e ~a U.'S_ Prime ~r~ pubiishad ne~ ~y. ilk E re*4a~'ed ~oad~y, i~ is reviewed on ~e la~ bus,ness day of each mon~- k'more ~an one US_ Prime Rare is · v~' · dn~ rjr. P~ma ~ra~ wa may ~ the LLS. P~=me Ra2 publ~h~ ~ ~( o~her n~w~zpar ofgxn~i ci~u~adon: or u'e m~y ~absdmre a sLmflm- reference crier ~a: or you m~ze z payment ro ~ i--~ is 2c-c hcncrad by yom- have m~ due re..--,_,.s of ~-!l' Cidbank C~-d .-'4recmenu fe: six =on£-.s. !-ear e.'dszin~ baJzaccs Mil r-amen rcbicz: ro £':.e h'.'~_-'.e: r .-lac z.--..:.ii r_hc:,' a_-e paid L-. ? ;6;ii. uhe firs:, da}' of dan b~irg par/od elrecdy fo!io'~vhng due .monet in u'kfch cairo!acc ~ue ~sc. The m'~mu~ pc.mea:'~a re-.sc hn effect and an} subsez, ue:: ch=~.g~s to {r will appem- on 5ne ~al;=g ~asemen-:. A_-'. i:_crez~e in ;he and oerhaos a hi=_*'ner _mi_,~Lm_um oav~enr__ Promodnna! Rare Offers: As om- --~credoP_., we may offs-you z ~romodon. z! amn~ percent-re rare for a!! or a ,>~-~ of.!,-:e p'~ch~e an4/or, czsh ~vanca bahnccs_ ?ac oe~od of t;.'me for ~..~ic_'.a raa. o proaodon~ rate appi{es ~a>.- ba !'~.k~d_ Any oromorional raze, r,_he co,w'e_~on~ periodic rates, and r. he period of ,C-me aiso o_,~_Ter you a promodona! a.~_nuzi p_.ercc~mge ~ce ro encom--_-ge _%peril-arc r.~n:sacdnns, ~ach as n?m_~fe~_---Lng b-Aa_acrs fi-om acco'.,:-n~ you have oranc~. A~n_y promoriona! mr-= o,_--~- ~4~ be subject ro rb_.e rs~s of f-_.e o~er and .-_his A_~acmenr. F??_ncc c'._-_.=--.-ges will beg/m ro ac:pat .5'om :_:ac d~rc of the n'=-_nsacdon for Dm-chases and continue to ac:rue :.'--.nd] pa?~cn-: Ln 5-"!/ .'~ ~M:ed to your accounu Ho'~ve,--'~=% k-you p~d due :o*.=~ Nc:v B~m'xc~, if-~--~y, !i~ed on ..:esr. b~ng ~-_-:emenz by .-~e gayman--: due ~-~.~c on 5-_-=---' srzaamcnr you _-N-e;v Ba~zace ro avoid mposific, n cfSman~ ch~-~s on ='--'--ch:~s. Fo_- ~a --dare of ._--'~c n=.-r~-=ac:'icn and confnu~- re aczr.-'c until' paymen; in fdii is ~cdk-~d :o yon- account -%%:-= fzgura s pod. fen of ~a ~-zn:: ah~-~a cc your -~cao'~_.~ by mui~aiy~= chz.~_-~ Sa_.- c~t ad~:.~ fsr cach ~]: :- ~e 5iF--:--~ ?_-_-'od_ -For 5-?~-:-~ ch~ z~cui~£cn -*-~c¢ ~e b'_'E~=£ pen'od begi~ on -'--- az%~z 5-_..e S~:e_m=-ngCi6sb_= D=--.-c of ~a 7ra-,4c;us bfiiing ?afl--c5 ~clude_< dee Szz:-a.mer.:Ciosir4 D~-= of dee c:_--.e::: -:z-i:-::r.g .re_-:ed. nmr~ber o,_-- d?s .~2 da=- oiiHng _~edod :? ad-.-anca bail=c; on due d~e of due adva-_.ce_ A c~-d-:t ':.:ia:ce ~ :re-_ced 2s -T.ae b~a-.-.--~ suhjec: 20 ?~ce ca:mr,~ fo: ~-*.z=-~nz~es and for c~ advances ~zN. ng ~e b~ pe~od_ ~-you m~i],' .~,ese fi~--'res by d:e number of days 2 ~e bUlfin~ ~e:-_:od -----=-d by ~e a-ooUc=hie d-Dv pe--_-'od~.z ~--ze~ ~saks :vi~ be d3e pe_.dodic .~.2ance ch~rge~ aasxss~d, eater: for '-.':~-~a,:ionz eau:ad b5- ro~dLug. -~e b~=_nce for ?~-cb=.ac-~s o? for z~h advances ~ sub. ieee m ~nre ~b_a~n one rase [for :xz~pl% because of pm-ch~es or cz~h adw-ances im_._.nde d,~'L,~_g a each a~2~rxre~ oedodic rate and d-ne ~suidng finance aha-ge in due snme ~pecinl ~inance Ckar%e C~lcuhdon _-"ffe~hod for Carafe Czrdmembers: ~DM]y ~7 fo; Advent:s, we ~a ~a cz~c~adon mod:ods descrPoed be!on, ~:ezd of dbase d~c~bed ~n ~ pre'~ous sec:ion. -'~'e figure a po=ion of your ~ance ch.-ge on purch~es by muki?y&%~ due mo~:iy pez~o~]'c cz~e by ~e b~ance subjec: to ~nanc~ ch~-ge for purchases (indu~ng ne~'p~-ch~s and b~nces you n~nsfm- ~cm o~ars). Wa figure z ~o~oa of 3-a~- finance ch~ga on ads-~c~ by mukiplying ute ~ly pe~o~c ~ty b3 5~= number ofda)~ in ~e b[!~ng pound ~nd :hen zpply/m~ ~e r~u!z m ~e ~]~ce ~ecr zo ~nance chz~: for advances (including new advent:s). -To ge*_ r&e hal-aces subject [o fn=-n, ca charge for purchases and for cash advanc"-s we rake :he beg/n~ng balance for pumhases mod :he beginning balm:ce for cash advances each day (inciu~ng fha:ce charges imposed in previous b/i!i.p.g pa-iods), add any new ~ansactions and fees, subtract any ~h advance ~z~rion fee ~zy cz~e ~ne ~":; percenz~e ~e ox dna Minimum Finnace Cha~e: If fn~nce ch~-~s b~ed on 9eHo~c ~ses a~ beLug added co your a3zoznz. be; :he total o~ ach finance chm~ fo~ purch~es and c~h adz-antes is less ~ 5_50_ we ~5ess z ~nlmum F~.~N~CE ~GE. b~ed on 2eriodlc ~es: of 5.50. We add d~e zmoun~ :o :he p~mh~e b~nce, u~ess :he add ~e ~mounr m ~e ~h advance bz~uce. Credit Balance You ~; nor rnainr~ a cre~._' habm%e on yom- accaum lm excess of your -~si~ed ~e~t !i~r_ ~'e *~i11 ~ ~o s'ou any cre~r amount over SI.00 ~e ~omn~ h~ b~n on yom- acco~u~ io~r ~ rb-~ monc~_ Tau may ~ou~r ~ re~and oft c~r bai~nce a~ ~n>' fine. We may ~duce ~he mmoun~ of any kr~dk ~}2nc~ by rte amount of new charge$ billed ro your acao~c Secnri~' ~ter~r for Secured A_ccoun~ ~e zcc~mp~y~g ie~er ~res if/o~- accou~ ~ a secured zcc0unn is: you hsve ~v~n '~ a sec~- in~ ~ a C~ffb~< Ce~fi~za oz~posk [o 5~r= ra~a~en~ o~yo~- aCCO~L rfvo,~ w~d~xv vo~ ~ Ce~:~= az ~o_~, .-.e wi]i ciasa your card account. T,~-~-~aczfoms bf~de h-_ *orei=*a Carrend~: M~rCzrd Lnre~zic. n~, depending on wbfch ~-d ~ ~ed. w~ conve~ the a~ez: ar :ha ~%e rJ:e ~szcf~ ~ :zcc~ei C~enrf3; :heir co:v~o: .~:e b5' oma ~e~mu: ~:d ~s ~:r~e_ V?e hnc~a ~e co~v~o2 2ce ~rov~dad :c ~ by V:s: or ]~:erC~ 5y ~:;c c~anz b~:ce. We add up -For ~:~ce c:,~e d~x- s~: ~e 5~:emenz'C/osin~ of~e dace of dee purzh:a zif rune b~:-ce :%r :ur~::es c¢ for c~ adv~ces ~ :ebiec: m more ::an one raze (for example, because of ~u~h~es or c~ adv~nc~ ~:de ddHng z each df~eranr__ _ _~..~*~fod/c ~:e ~nd d~e re~ak~g ~nance charge ~: abe sam~ m~ner ~ des~/bed above. Transaction ~ee for.Balance Transfe.~:. ~-ou have obtained a balance a-ansfer :f you -n-re:sfac a bane:ca ~m od~ers Beiance Trsz~sfer check if your acco~_t .-'.'s subj-*c: to ,-.--'-.-zac:ion fees for b~nce ~:sfe~, ~e accompznz-ing /acer vail so in'cans, ff so. co each bM~nce ~fer we add an add:don~ ~ance ch~-ge ~ ind:czred on due aqcomganyhng !exert ~nis fee will be added to ~e purch~s b~ce. b~mnc: n~nsf~ ~n~cdon fee may muse due ~uua] pemenr~e rare on billing sca:amen: on wMch Cna balance ~mnsfer ~r~ appears to exceed the no~Lnz! manual patten:age T)a~acnon ~ee for Cash Advances: Tou havn obmined a c~h adv~c: k'you obtain ~nds ~om &n automated taller machine (A~'0: r~-ou~ a Cidb*~: check, n~ou~ home ba~dp~, or ~:-ou~: a :nanc a] bzdmdoa; make a w:ra ~m-:fe~ acqui~ a money o~er, traveler's chedq !o~e~ ticker, .be:hug or c~sflno chip~ or sim:lac iran: or engage in ~orhar slain- ~ap~ac:ien. We may add an add:dana/ finance .chm~ge to dee cash advmn~ balance for each ~h advance. The accompanying ierzer descNbss ~ny such add~6ona/ financ~ oharges, wMch char is in e~ec: on dna processing da:_~ un_-,- d;_ffe: [rom :ko :~:~ :_n e.-Tez: :he transaction dace or ~qe post/rig ~_:e. . ~',Zini~- um Amount Due Each mo:ch you must pay a m;nimu~ ~oun: ~z~ ~ ~* :o:~ afc, an of?ur ~redk l~e. ~e second ~s ~he ~-ez~er o~e a~ouzz of your En~nce c'h~-gas or ~a amo~: ch:: zppez~ on-rte zccompa~:.':r.~ You mus: ear :: !~r ~e mL~mum ama:n: by dna pzFme:: due da:e. you may gay more a: ~>- ~e wid:our a pencil-. We wii~ allot:ce i:m/:ed zd, ~plying paS~ ro promodonaI ba!mnces, such =~ ~!:nc~s you ob~n by using Bai~nce Transfer chec]~: before u'e aTg!y ~zzh your o~:er p~ch~e or c~ advice b~nces_ If yen pay more dcm: m]~mum, we wi!! aHoc~e :he excess ameun: ro :he pm~5~e or cash advance ba!~:ca a: om- dis~:ion. The sooner you cay ~e New ~a~:ce. [ess .you wiiI pay hn ~22nce ~es. ~7~ may ~o a~!ow you ~o skip' pzy~anr. If we do_ we '~4~ no:L~' you. !f you choose ro s~ z 72:.'mean when o~ere~ v:e ,zi~ condnu~ ro ~se:: 5nanca cf~es. Payments Lns:mc:ion: for 223~:~ ~3:~:~ a-a on your bi~:~g 5~:a~eeL Do no: se:d ~s: mfec: =m~d i: 5,~:=' or o~:e: re~c:ive ~dc~eme3_::, wf:hoor iosina any ofo,~ r/xh:s under d:s A~eemen: There ~}' be a da!aF of un :o days i: c~di:~g a payman: ~ i: b :es=k-ed z: ~n ad&~ od:er Cra: addass p:cv:d~ on :he b::~ sca:men: or if :ca pay:eric :s no: mad: 5: accordm--a -~'f:: ~ny cf om- o~er :~<:F:c:~::_ !-au a~ee :o p2y us in ::ce a: ~c: 4:s=~dc: :cd ccd{: FOUr ac=acer in U_S. Over-aha-Cra::: ~ina } ae ~gea: o: 5ce a~mT::F~g ia:er. L] [ ~ ~ e~ I ~ We ~a5 add: fee z~o~: of~s f~ ~p~ on Ae accomp~u}iug = ...... A: our o:~io:, w~ Cidbank Ch aclu: C[rfb~< chec{~ ~ a c~ advice chec~ m~y no: be used oC~r C~:Jb~nk Card AD~men:. Balanhe Transfer Checks: Ba!auce/mp-~fer checks m~: be nsed m u~fe: b~nces fro~ o~e:s or m aborn ~ up m the ~oun~ of your zv~bl~ cv~dk Jlne. Ezch ~ahnc~ acco~d:ng m ~ny ~:ac~o~ wa ~ve you_ Balanc= T~sfer checks may not be ~ed :o pay ~ny manure: ow'ed ~o ~ ~de: dhis or any o~h~ Ciffhank~zrd A~a:meni We will mot 6a:i~l' any Batanc= T:usfer chec~, lnOr will wa ~mm pz~d b~lm7ce Tz~f~r chez~n. Returned Citibank Check _Fee Wa may add a fee ro flu* cs_eh advauce balance if we decline to honor a Citibank check. ~ v,~ do, be amomur of r.h. is fee appears on the accompzny£~ !emac. We may decline :o honor such checks if, for example, the =~_.-:._oun: of the check would c=-,~e the balance m exceed your ~c~sh advanc= ilmlr or credit [hue, i'you defzuk, if you did not comply w:.~ our Stop Puyment Fac ~db~pZ check is scooped az yom- r~ues:. %-ou m~: scaF 727-~:: Cidb~< check by nor:~¢i~5 ~ ~ r~T[fing Z: PO ~ox 6500, Sioux chz~e on yo~ zcco~::: p!a~a refer :o ~:a sea/on ~::::ied -%l-hzrTo Do if :::ra's g~ ~or ~ Your BiB.= Lost or Sioh~ Cards, Account Numbers or Citibank Checks :z- ~uy card, _--centaur number or Citibank check' is !os: or ~oien or if once by c~iiing fha ~laphone number sh6~x~ on the bilEn~ smrem~n: or n~qbsr obmLned by calling ioi!-ne= or loc~ Dk~cmry A~mnce. 15-'= may no~ et'an if ~ey ~-k rotund or ~m~ed= You may be liable for unzudao~zad usa of the ca-d, bur nor for mor~ than %50. You }%ion'[ be Uab/e for ~uy unauthorized purch~es ~ c~h advances made a~2r wa'va been ~o:~ed of the Joss or the rhea; however, you muse idend~,- for ~ ohm-gee on ~ue b~Hng s:atemenr du~ were not made by you, or someone ~thodzed by yo% and ~om which yon re==ived no benefit. Default You are in defauk if you fail to pay :he minimum payment .tisred on each bii!:ng statement on time, file for bard~uprcy, exceed yom- ~edir line w-id~oui om- pekins/on, or default on ~ny other Cidb~: Card if you are in defzu!k lye may close yom- accost md demand paymeni of the ~ti be!mac& ~-you have Wen m a secuhty ~teresz $aGmg~ account or cemifica~ of deposik we miy ~e ~e depo$ii annum to pay any amounz you owe ~. But of course, you dealt want ~5is to h~ppea. Call us first ~Rd let ~ ~2' m h:ip you: CoUecr/on Costs If we have :o rer~- collection o.:-yo,--- azcotmr m '- iav.?'e: (who is no: our s=,_!~ed e~pioy~), ro the exr:m pe..-m,i=ed' by hw you will hz;-e :o 925"our a-_-:omey:s fee plus cou~ costs or mn}' o.'her ieee. !fwe,sue in co!ieee and ye:: who, we will pay yom- ra~sonaNe legs! fees mud cou.-: cbs:s. Customer P,'-N'a e7 We :vlU not sell im:o~adon ----bout you or }'our account Lo no:-Cidce:T comJp~es. Op. occ-~ion: ho¥.-even we u-i!l ahoy: ~eciagy se!eo~d produc:s sad se.--:ic~ :o you fim-ouZ~:~ due mai! or b'. abou: you or yo~- zccour_,r.un!e~ you a~.ee ro purchase :lank- product or sendce, if yon .do nor want ia receive O_~e o_:._Te~, ad&-ass or telephone n~.mber lis:ed ua ~e bili:ug include you:- name, add_~ess, and acco~ humbert We leas: oncfi each ye~- of your right m ~ exc/uded _fi-om r~ese offers. Teiephop. e Monitoring From 6:ne ro ~.~_.a x~ m~}- monl.'-oz telephone czlE regarding your account '~;5~ :,_s in -nra= r~e qn~iq,-of our set, ice_ Znfo rrna 6 on Wemay. reporz your. _oe~n~z:nca made: this A=_:-~=ement :o credk repe~ing agencies, hncludim_g your fai_-:,-~: r_o make mf=-"~.-.um 7.~'~enr~ u2 alma_ _eL ~¥~=:.~_u]~: when we re¥iexv }=oh': accoun? for a c~d[: ~he L.-:crease)_ ~/e may and co: Cidco-_~_- ~lla:~ ma}' pa.~:o._-n~ c_=m~n c~-:omer sec-:ice and _>aymen: ?race:s/ne fane:lc.--_= :Bt 3ou:-~zoun:. O~er. vise: no one legal procesa se_--ced or_- m :-n o:Sez :n ~'-.:e you ~ oppo~-'nL?- :o ohjec: to ::. un]ess 5ce iww .::~_-'z'_-~h~ :he nod?- Cur:acre Your Credit ~¢di: rapa:&n~ agency ro wh6m we repo~d and w{!] raqu~ z- in ~widng or ~,' taleohone ~nd insane: you how ro sub,ii a s~:~m~n: ef ya~- position m ~os~ ag=nc/~s. Your ~z:~menr wflL~a=o~ z ?:~ of you7 ~adk ~cord M~ rhe~ Closing ~'our Account of ~s A~-e~em~_ We' ~ay dose yom- zcceun: or s~nd ?~- raissu~ a m~=~n: cm-~ zcco~r number, or diffe~nr chec:-~ SBu m,~: rev&m ~e mrd or ~e C/r:bm~< chec~ :o ~ upon r~ues: Refusa~ o~ the C~rd ~,~ ~-e nor respop~ibie Wave de nor ~*pro'.-~ a p~-ch~e or yo~- a~aun~ or ~-a ~d p~xy~5~ :o accaur or honor you have r=~cienr credit av~iabie. We may E~i: d~e number ofpu:ch~es orcz~ advance, ~dulch may be ~aproved in one d~.-. ~ ~l c~dir p~eges un:ii w~ ~ ve~O d:e audrey_ V/e maN app~w purch~as or c~h a~v~nc~, vwbJch cz~e ~. b~muca :o exceed your ~a~z ~ine ~x~vL:g may of o~ ~u undo: ~:~ A~eaman:. Ch=agOg this Afraemanr we c~: change ~s A~e=maa:, ~cludLug al! fe~s :nd d:e ~m:zi p~:ce::age p~iv~: :o :n~-a~% ~ ~4i! mzi] you x~:en nc~c¢ ~ i~z 15 days be~-ra !f3ou do nc: ~ :o S:e ch~ge: you m~: aod~: ~ hn ~:~g ~: have nor Daiz2- in Znfozcamea: T~m~ W. 5ron~ ?res..:deac ~ CEO !996 Cidbe:k'('SourS~ Dakota): N_--t. CA'ibmuk (Sour_:q Duke?-":, N.A. PO ,Box 6000 Sioux?Mis, SD 57i _7 x,Vh=t In Do L' There's An Error Lq Your BO/_ Your BilL;nc R/shes..Keep This .Not/ce ForFuture Use. U~s no,ce coal=irt L. napo~z.u~ info,aden aborn your .,-5.'~a~ and ous re_.?onmomaes -',--.metz ~e Fair Credk B/!!Lag Ac*_ · ..'h'od0' Us ia Case of Erro~ or Questions Abouz Your Bill. If you dS~l your bE!Lag r~mem b twong or gyou need more h~/o~,adon ~ouz a i~ffon on yo~ bill~g ~=ment, ~rile in ~ (on a sepa~te we seal you ie 2-al bi!lNg ~az~meai on which aa ezor or problem appeared. You can ~lephone ~, bu: doing so will no~ p~serte yea- dghu. ~ yo~ lamer, give us ~e followb4 ~m%~aSou: Your name ~d ~counr n~ber. D~be ~e ~0r aqd a~iab, iFyeu ~n, why you ba~eve there k ~q :xor. gyou need zero inFo~ado~ d~Foe iha item you are no~ s~ abou~ PJe~e si~ yom- lexer. T. ee 9m-c~e ?fic~* m,,-s: kava bee.", more tkaa. S50. ~d does nor apply re purch~es made ou~i& ~e L'nire~ Sm:es_ Notice_ We mu~ ac~uo~=iedg~ yo~ la:er wftu 30 ~ys. u~: ~ra b2ve quest=n, i~ciu~ :n~nce cka~s: and we a~q :ppiy any u:Ta:.~ if we ~_d .!.er '~ve made a w]s-=~<e on yom- b'--L;Lng s~e~e.~5 you wi}i no: ditek ~ake'a ~/szaka, you m~< hawe ~ pay ~:ce ch~gea, and you wiii ~::-a re ~ak~ up au5- ~;~sed pa2~:~ on ~e qu~s~oned a~o~L in ei~:r If you fsi] :o pay ,_-he m--.,_.ou~: ~a: we d~< you o-,~% we m_ay raper: you as d~H~~'''~r H'o~:-e~-e:. if ora- e-xn!a-_.adon does nor s~ds_~c you and '.-ou v-~re :o us wink_La 25 days rePf== us -,t~.~z you s~i reDase :o ~av. we must ,~Do~ ad&~ss ofan}'o~e ia whom we repor~ffour aceo~r ~o~aiion. We must .r~!l ~nycne co ~5aom we repo~ ~s: dna ma:er has be~n see!ed berxv~e: us :'.v-e dank :oiiOw ;hose r..aies, v/e can': co:ecs the gs: S50 of:qe quas:ion:d amount, even ~-your billing smre~ma: ~=~ co.ecL Special Rule for Credit ~ Purckases. [f you h~ve a oroblem wi~ ~e qua!iCy of property or se~-ices thai'you pm-ch~ad wi~ a cre~r c~-~ mhd you have ~ed ~ good fai~ ro co~cr the problem wiih 5ne ~erch~i, you ~ay ~ve ~ue h~: not :o pay fi~e remaining amomn~ due on the prope~y or saD'ices_ T~-: are ~vo iimir~ioss on this You must have made ~e p~h~e in your horn& state or, if nor wk~n your home sr~re, v, id~n ! 00 miles of yom- c~enr address; No{rice of Change in Terms ~o Yo~r Ci%]b~nk Card Agreement Effective ca ~he day a~.er indi~ an your May 2000 biilin~ amendfn9 your exf~ng Git]bank Card Agr~msnl ro add ~sponding ones. Win~ f ~ ~nnua percentage ~te for ~urtnmses is based substrata a simiiar refe~mca ~:e a~ our soie diapason, a~ch such ~:su~stan~s, w~ ~ay in~se ~a ANNUAL PERCENTAGE P~TE {~nc~uding au~ezt to ~ h/gl:~- ~ ua~ C~RGE of 3_0% of the bai~nc~ Jrsn~Jeq but not ]~s lh~n $5 of moro (hen ~g. This f~ will be 8dded [o ~he purchas~ kansac[~on rea may cause ihs ~nua] Dercanl~ge rs~e on We wi~ ~dd a ~ate tee to II~e standard ou~chase balance each ~tling period you J~i le make Ill~ minimum by ils due dale. This ~ate fee will be: $~5 on balances up' 1o S 1 ~. ~25 on ~aian~s o[ $ i ~ up [o g l~O and ~5 balances O[ 21~ ~nd over. ' ' Non-Accept~nc~ lnstrucHon~: [I you d0 ecl wish to a~ep[ these changes, you mus; SerVice Cee e~ P.O. 8ox 44~2L Jack.villa, 3223 ~ -4 i 21. J~ you ndHy us (i~a~ you do ecl accep{ lh~e ~isling farms unfi/fl)e end o( your curred readership year or lbo expiration dale on your card(si, whichev~ is la~_ II,ar Iin3e y~r accounl ~lf be cbsed and ~u wfll be able pay off ~ur remainrng baiance under your currenl terms. For ~re de(aiied iniormalbn ab~t y~ur cu~enl please r~er lo your Cflibank ~rd AgreemenI ~ amended by any rot change in lerms Terries to Your C~t]b~,nk ~na]caled on you[ Augusl 2~ bilfing sl~(eme~(, we are amending your Ci[iba~k Oa[d Aoreemenl IO subsliluta' Ihe [olJowing p(ov[~Jons regaldi[g Jh~ ~eJauJl cole, ~e on your Seplember 2~1 billing slat~menl. We enc~rage Variable Annusi P~Jrcentag~ Rat'ex [ar ~urchasa~ and Cash Advaeca~l The annual percen age role for purchases and cash' advances may e/sc vary ir you defaull under any Citibank Card Agreemenl because you/ail Io make 3 oaymenl Io us or any olher cred. flor when due. yeu exceed your ~edil [iRe, i~f you make a paymenl Io us Ihal is ecl honoced by your bank. in sugh circumslances, we ~nay fncrease Ihe ANNUAL PEi~CENTAGE RATE (including any promo cna! rate) On alt balances Io a default rare of uo to 24.L~::J%. Factors considered in detarm~ing (his dafaui! role may include Ihe lenglh o( time lhe account has been open. lhe exisle~ce, seriousness, and limin~ of Citibank Card Agreemenl de[aulls, and olher indicalions of accou~l usage and performance, The increase in Ihe variable annual percentage rate as described in Ihis paragraph lakes elfecl as oi lhe first da, y el Ihe billing pedod in which you de/culL or bolh Mler you ilave mci fha lerms el all Cilibenk Card balances will remain sub,ecl lo {he default tale until Ihey are paid In fuji_ Verification Jennifer Sisson is an attorney management specialist for Citibank (South Dakota), N.A. and Citicorp Credit Services, Inc., wholly owned subsidiaries of Citi~oup, the within Plaintiff in this action. She verifies that the statements of fact made in the foregoing Complaint are true and correct to the best of her knowledge and belief. The undersigned ,anderstands that the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. Date: o 0 SHERIFF'S RETURN - REGULAR CASE NO: 2003-01290 p COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CITIBANK SOUTH DAKOTA NA VS BONNER JENNIFER J A/K/A JENNIF JASON VIORAL , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon BONNER JENNIFER J A/K/A JENNIFER PARSONSthe DEFENDANT , at 1639:00 HOURS, on the 31st day of March , 2003 at 206 STEELSTOWN ROAD NEWVILLE, PA 17241 KATHIE PARSONS, MOTHER by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing He____r attention to the contents thereof. Sheriff.s Costs: Docketing 18.00 Service 8.28 Affidavit .00 Surcharge 10.00 .00 36.28 Sworn and Subscribed to before me this ..~ f day of ~ ~ A.D. rotnonotary' So Answers: R. Thomas Kline 04/01/2003 BURTON NEIL & ASSOCIATES By: ~ ~ Sheriff CITIBANK (SOUTH DAKOTA) N.A. 701 E 60th Street N Sioux Falls, SD Plaintiff · IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA VS. JENNIFER J BONNER aka PARSONS 206 Steeltown Road Newville, PA Defendant · NO. 03-1290 CIVIL TERM · CIVIL ACTION - LAW Praecipe for Default Judgment To the Prothonotary: Please enter judgment by default for want of an answer in the above case in favor of the plaintiff and against the defendant, and assess damages as follows: Principal: $3,837.42 Credit: $700.00 Attorneys Fees: $729.11 Total: $3,866.53 Understanding that false statements herein made are subject to penalty under 18 Pa. C.S. § 4904 relating to unswom falsification to authorities, I verify that: 1. The above are the precise last-known addresses of the judgment debtor and creditor. 2. The annexed notice of intention to file this praecipe was mailed to all parties against whom judgment is to be entered and to their record attorneys, if any, after the default occurred, and at least ten days prior to the date of the filing of this praecipe. 3. The said defendant is not in the Military Service of the United States or its Allies or othenvise within the coverage of the Soldiers' and Sailors' Relief Act of 1940, as amended, is over 18 years of age and has a civilian occupations. ~~'~ NElL & ASSOCIATES, P.C. P~o P~r°tho~ot'fry ~ Burton Neil, Esquire Attorney for Plaintiff I.D./411348 PO Box 356, W. Chester, PA 19381 In making this communication, we advise that this office is a debt collector. ERIC L. DIFFENBAUGH Plaintiff VS. FRANK C. MYERS, III, and MARY S. MILLER, EXECUTORS, OF THE ESTATE OF J. RAYMOND Mil JLER, Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 03-113 CIVIL TERM OATH We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States and the Constitution of this Commonwealth and that we will discharge the duties of our office with fidelity. We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If damages for delay are awarded, they shall be separately stated.) , Arbitrator, dissent~ name if applicable.) DateofAward:. f,~.~ ~g ~:~ - - ~'~~_.7~-d%-a- O C Now, the /.~tay of /~lt~.t' , 2003 at'°" ~ ,- - entered u on the dock · - . , ~ .m., the at)ore award was P et and not~ce thereof g/[ven by mail to the parties or th i~r attorne2~' Arbitrators' compensation to be /~. ~ ~'~ ~ Deputy FEDERMAN AND PHELAN, LLP By: FRANK FEDERMAN Identification No. 12248 Attorney for Plaintiff ONE PENN CENTER AT SUBURBAN STATION 1617 JOHN F. KENNEDY BLVD., SUITE 1400 PHILADELPHIA, PA 19103-1814 (215) 563-7000 CITIMORTGAGE INC. D/B/A CITICORP MORTGAGE, F/K/A SOURCE ONE MORTGAGE CORPORATION 27555 FARMINGTON ROAD, P.O.BOX 1505 FARMINGTON HILLS, MI 48333 Plaintiff, BRYAN P. GARDNER ANDREA P. GARDNER Defendant(s). CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION NO. 03-265-CV PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against BRYAN P. GARDNER and ANDREA P. GARDNER, Defendant(s) for failure to file an Answer to Plaintiff's Complaint within 20 days from service thereof and for Foreclosure and Sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Complaint Interest from 1/17/03 to 5/13/03 TOTAL $100,333.39 $ 2,410.20 $102,743.59 I hereby certify that (1) the addresses of the Plaintiff and Defendant(s) are as shown above, and (2) that notice has been given in accordance with Rule 237.1, copy attached. FRANK FEDERMAN, ESQUIRE Attorney for Plaintiff DAMAGES ARE HEREBY ASSESSED AS INDICATED. DATE: PRO PROTHY FEDERMAN AND PHELAN BY: FRANK FEDERMAN, ESQUIRE Identification No. 12248 1617 John F. Kennedy Boulevard Suite 1400 Philadelphia, PA 19103-1814 (215) 56%7000 Attorney for Plaintiff CITIMORTGAGE INC. D/B/A CITICORP MORTGAGE, F/K/A SOURCE ONE MORTGAGE CORPORATION Plaintiff vs. BRYAN P. GARDNER ANDREA P.GARDNER Defendant TO: BRYAN P. GARDNER 407 FIFTH STREET P.O. BOX 83 SUMMERDALE, PA 17093 : COURT OF COMMON PLEAS : CIVIL DIVISION : CUMBERLAND COUNTY : NO. 03-265 CIVIL DATE OF NOTICE: APRIL 25, 2003 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE.IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY. IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: CUMBERLAND COUNTY CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 Frank Federman, Esquire Attorney for Plaintiff SHERIFF' S RETURN - REGULAR CASE NO: 2003-00265 p COMMONWEALTH OF PENNSYLVANIA: COUNTY. OF CUMBERLAND CITIMORTG~E INC ET AL VS GARDNER BRYAN P ET AL BRIAN BARRICK , Sheriff or Deputy Sheriff of Cumberland county, Pennsylvania· who being duly sworn according to law, says· the within COMPLAINT - MORT FORE was served upon GARDNER BRYAN p the DEFENDANT · at 1521:00 HOURS, on the 29th day of January , 2003 at 4'07 FIFTH STREET SUMMERDALE, PA 17093 by handing to BRYAN GARDNER ~a~ true and atteS't'ed-"c~opy of COMPLAINT and at the same time directing His attention to the contents thereof. Sheriff,s Costs: Docketing 18.00 Service 11.04 Affidavit .00 Surcharge 10.00 .00 So Answers ~. Thomas Aline 39,04 01/30/2003 ,/~ ' worn Su ,cr e to . . , . ~ ' : :-' :':: 'ii- i!:~i:~~. :~. ,.~. . me this day of 'Deputy Sheriff A.D. Prothonotary FEDERMAN AND PHELAN BY: FRANK FEDERMAN, ESQUIRE Identification No. 12248 1617 John F. Kennedy Boulevard Suite 1400 Philadelphia, PA 19103-1814 s) _s6 -7ooo Attorney for Plaintiff CITIMORTGAGE INC. D/B/A CITICORP MORTGAGE, F/K/A SOURCE ONE MORTGAGE CORPORATION Plaintiff vs. BRYAN P. GARDNER ANDREA p. GARDNER : COURT OF COMMON PLEAS : CIVIL DIVISION : CUMBERLAND COUNTY : NO. 03-265 CIVIL Defendant TO: ANDREA P.GARDNER 315 SPRING LANE ENOLA, PA 17025 DATE OF NOTICE: APRIL 25, 2003 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE.IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY. IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: CUMBERLAND COUNTY CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 Frank Federman, Esquire Attorney for Plaintiff SHERIFF' S RETURN - REGULAR CASE NO: 2003-00265 p COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CITIMORTGAGE INC ET AL VS GARDNER ~BRYAN p ET AL DAWN-KELL , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon GARDNER ANDREA p the DEFENDANT , at 1937:00 HOURS, .on the 1st day of April' at 315 SPRING LANE ENOLA, PA 17025 ANDREA GARDNER by handing to , 2003 a true and..~a_~__t_~sted copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff,s Costs: Docketing 18.00 Service 20.70 Affidavit .00 Surcharge 10.00 .00 48.70 S~orn a~d Subscribed to before me this day of A.D. So Answers: R. Thomas Kline 04/02/2003 FEDERMAN & PHELAN Deputy Sheriff Prothonotary FEDERMAN and PHELAN, LLP By: FRANK FEDERMAN Identification No. 12248 ONE PENN CENTER AT SUBURBAN STATION 1617 JOHN F. KENNEDY BLVD., SUITE 1400 PHILADELPHIA, PA 19103-1814 (215) 563-7000 CITIMORTGAGE INC. D/B/A CITICORP MORTGAGE, F/K/A SOURCE ONE MORTGAGE CORPORATION 27555 FARMINGTON ROAD, P.O.BOX 1505 FARMINGTON HILLS, MI 48333 Plaintiff, Ve BRYAN P. GARDNER ANDREA P. GARDNER Defendant(s). ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION NO. 03-265-CV VERIFICATION OF NON-MII,ITARY SERVICE FRANK FEDERMAN, ESQUIRE, hereby verifies that he is attorney for the Plaintiff in the above-captioned matter, and that on information and belief, he has knowledge of the following facts, to wit: (a) that the defendant(s) is/are not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940, as amended. (b) that defendant BRYAN P. GARDNER is over 18 years of age and resides at, 407 FIFTH STREET, P.O. BOX 83, SUMMERDALE, PA 17093 . (c) that defendant ANDREA P. GARDNER is over 18 years of age, and resides at, 315 SPRING LANE, ENOLA, PA 17025. This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. FRANK FEDERMAN, ESQUIRE Attorney for Plaintiff Docket for Case: "+ GetCaseNo0 +" (" + DktTypeExpand(m.gsDktType) + ,,) Page 1 of 3 Bankruptcy Docket Report 1 02-03625 (Harrisburg) GARDNER, BRYAN P Docket items entered between 01/01/1931 and 05/13/2003 Filing Date No. Docket Entry View document 07/03/02 1 VOLUNTARY PETITION under chapter 13 and Attorney Compensation. [EOD Doc gl PDF (4 07/03/02] [BR] pages) 07/03/02 2 NOTICE of intent to dismiss case unless missing documents are filed: due by None 07/18/02 Re: Item # 1. [Complied] [EOD 07/03/02] [BR] 07/03/02 3 MOTION FOR ORDER TO PAY TRUSTEE WITH CONSENT OF DEBTOR None [Disposed] [EOD 07/08/02] [SP] 07/08/02 4 ORDER to pay trustee. Re: Item # 3. [EOD 07/08/02] [SP] None 07/26/02 5 CORRESPONDENCE to Attorney allowing until August 2, 2002 to file missing None documents. Re: Item # 2. [EOD 07/26/02] [CA] 08/01/02 6 Schedules, Statements, Plan & Summary and all missing documents Re: Item # 2. Doc #6 PDF [EOD 08/05/02] [BR] (29 pages) 08/01/02 7 DEBTOR(S) affidavit of disbursement of Trustee funds upon Dismissal and/or None Conversion prior to confmnation. [EOD 08/05/02] [DS] 08/19/02 8 CER'IIFICATE of Mailing of Notice of 341 Meeting. Objections to the plan are due Doc #8 PDF (5_ 15 days after meeting held. [EOD 08/19/02] [AUT] pages) Att: PLAIN pDF (2 pages) 09/09/02 9 OBJECTION to plan by CONTIMORTGAGE, INC., d/b/a Citicorp Mortgage, Inc. Doc #9 PDF Re: Item # 6. [Disposed] [EOD 09/09/02] [SP] (10 pages) 09/13/02 10 CORRESPONDENCE SETTING Conference, Judge Warren W. Bentz, Presiding on _Doc gl0 PD~F_F 11/06/02 at 01:30 P.M. at FED.BLDG., BKRPTCY CTRM.(3RD FLR.), THIRD & 1~1 page) WALNUT STS., HARRISBURG,PA. 17108 Re: Item # 9. [EOD 09/13/02] [SP] 09/26/02 11 341 meeting held. [EOD 09/27/02] [CA] None 10/08/02 12 OBJECTION to plan by FARMERS FIRST BANK Re: Item # 6. [Disposed] [EOD ~Doc #12 PD~F 10/08/02] [JC] (4 pages) 10/28/02 13 MOTION for relief from stay by CITIMORTGAGE, INC. AS SERVICER FOR THE Doc #13 PD~F MORTGAGEE OF RECORD paid 10/28/02 #588219 #75.00 [Disposed] [EOD (3 pages) 10/28/02] [DR] CERTIFICATE OF NON-CONCURRENCE [EOD 10/28/02] [DR] 10/28/02 14 ORDER that answers aredue on 11/18/02 Re: Item # 13. [EOD 10/28/02] [DR] Doc #14 PDF (2 pages) 10/29/02 15 CORRESPONDENCE SEITING Status conference, Judge Warren W. Bentz, Doc gl 5 PDF Presiding on 11/06/02 at 01:30 P.M. at FED.BLDG., BKRPTCY CTRM.(3RD FLR.), (1 page) THIRD & WALNUT STS., HARRISBURG,PA. 17108 Re: Item # 12. [EOD 10/29/02] [SP] http ://pacer.pamb.usc~urts.g~v/cgi-bin/f~xweb.exe/npacer/nPacer?ExecThis=d~cket&puid=~ 5/13/2003 Docket for Case: "+ GetCaseNo0 + ,, (,,+ DktTypeExpand(m.gsDktType) + ,,) Page 2 of 3 11/04/02 16 CORRESPONDENCE from Movant to cancel hearing as the parties will enter into a None stipulation within 30 days. Re: Item # I0. [EOD 11/05/02] [JG] 11/04/02 17 CERllFICATE of service Re: Item # 14. [EOD 11/05/02] [DS] None 11/06/02 18 PROCEEDING MEMO: conference not held. Debtor to file amended plan within 10 Doc # 18 PDF days. Re: Item # 12. [EOD 11/06/02] [JG] ~_1 page) PROCEEDING MEMO: conference not held. Stipulation to be filed. Re: Item # 9. [EOD 11/06/02] [JG] 11/06/02 19 Amended Ch. 13 Plan (Requested Proof of Service) Re: Item # 6. [EOD 11/07/02] Doc #19 PDF_ [SP] This entry disposes of motion. Re: Item # 9. [EOD 11/07/02] [SP] (_7 pages) This entry disposes of motion. Re: Item # 12. [EOD 11/07/02] [SP] 11/13/02 20 CER'I1FICATE OF MAILING RE: NOTICE ON CHAPTER 13 PLAN None AMENDMENTdue on 12/02/02 Re: Item # 19. [EOD 11/13/02] [SP] 11/27/02 21 SI'It'ULATION by PARTIES in Settlement of Motion for Relief from Stay Re: Item None # 13. [EOD 11/27/02] [NP] 11/27/02 22 ORDER granting relief from stay Re: Item # 13. [EOD 11/27/02] [NP] None 12/03/02 23 ORDER confirming amended plan [EOD 12/03/02] [SP] None 01/07/03 24 Amended Ch. 13 Plan (Requested Motion to Modify) Re: Item # 19. [EOD 01/08/03] Doc #24 PDF [SP] (7 pages) 01/07/03 25 APPLICATION for interim fees and expenses filed by GARY J IMBLUM, None ESQUIRE of Knupp Kodak & Imblum PC as Counsel for Debtor in the amount of $3641.25 Fees and $264.96 Costs (Total $3906.21) for the period of May 20, 2002 through December 27, 2002. [Disposed] [EOD 01/08/03] [SP] 01/13/03 26 NOTICE to creditors that answers/objections aredue on 01/29/03 Re: Item # 25. None [EOD 01/13/03] [SP] 01/13/03 27 MOTION to Modify Plan by DEBTOR. (Requested Proof of Service) Re: Item # 24. None [Disposed] [EOD 01/14/03] [SP] 01/21/03 28 CER'ilFICATE OF MAILING RE: NOTICE ON CHAPTER 13 PLAN None AMENDMENTdue on 02/06/03 Re: Item # 24. [EOD 01/22/03] [SP] 01/31/03 29 ORDER approving fee application Re: Item # 25. [EOD 01/31/03] [SP] None 02/11/03 30 Order Allowing Petition to Modify Plan Re: Item # 27. [EOD 02/11/03] [SP] None 03/06/03 31 MOTION for relief from stay filed by HOMECOMINGS FINANCIAL NETWORK, None INC. [Disposed] [EOD 03/06/03] [SP] CERTIFICATE OF CONCURRENCE [EOD 03/06/03] [SP] 03/06/03 32 ORDER granting relief from stay Re: Item # 31. [EOD 03/06/03] [SP] None nt : 05/13/03 11:05:09 PACER Service Center Transaction Receipt 05/13/2003 11:05:09 11~0039 ilClient Code: I l[Docket IlCase Number: PACER Login: IDescription: II12002-03625 I II http ://pacer~pamb~usc~urts~g~v/cgi~bin/f~xweb~exe/npacer/nPacer?ExecThis=d~cket&puid~... 5/13/2003 Docket for Case: "+ GetCaseNo0 + ,, (,, + DktTypeExpand(m.gsDktType) + ,,) Page 3 of 3 [[Billable Pages: ]~ J~ost: _ii0.21 Il ~Need help? Try the PACER User's Guide ~acer Service Center http ://pacer.pamb.usc~urts.g~v/cgi-bin/f~xweb.exe/npacer/nPacer?ExecThis=d~cket&puid=... 5/13/2003 PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE) P.R.C.P. 3180-3183 CITIMORTGAGE INC. D/B/A CITICORP MORTGAGE, F/K/A SOURCE ONE MORTGAGE CORPORATION Plaintiff, V. BRYAN P. GARDNER ANDREA P. GARDNER No. 03-265-CV Defendant(s). TO THE DIRECTOR OF THE OFFICE OF THE PROTHONOTARY: Issue writ of execution in the above matter: Amount Due Interest from 5/14/03 to 9/3/03 (per diem -$16.89) TOTAL $102,743.59 " 1,908.57 and Costs $104,652.16 FRANK FEDERMAN, ESQUIRE One Penn Center at Suburban Station 1617 John F. Kennedy Boulevard, Suite 1400 Philadelphia, PA 19103-1814 Attorney for Plaintiff Note: Please attach description of property. No. DESCRIPTION ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point in the Southeast corner of the intersection of Miller and Fifth Streets; thence Eastwardly along the Southern line of Miller Street 40 feet to a point; thence Southwardly parallel with Fifth Street 150 feet to a point in the Northern line of a 12 foot wide alley; thence Westwardly along the Northern line of said 12 foot wide alley 40 feet to a point in the Northeast corner of the intersection of said 12 foot wide alley and Fifth Street; thence Northwardly along the Eastern line of Fifth Street 150 feet to a point, the place of beginning. BEING a part of Lot No. 40, Section "C", on the Plan of Summerdale, Pennsylvania; said Plan being recorded in the Cumberland County Recorders Office in Plan Book I, Page 44, revised in Plan Book 2, Page 109. HAVING thereon erected a brick and aluminum ranch dwelling known and numbered as 407 Fifth Street. TAX PARCEL ,fl 1-3005-057 TITLE TO SAID PREMISES IS VESTED IN Bryan P. Gardner and Andrea P. Gardner, husband and wife by Deed from Barry L. Hand and Wanda A. Hand, husband and wife dated 3/31/2000 and recorded 4/5/2000 in Deed Book 218, Page 950. Property:. 407 FIFTH STREET, P.O. BOX 83 SUMMERDALE, PA 17093 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO03-265 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CITIMORTGAGE INC D/B/A CITICORP MORTGAGE F/K/A SOURCE ONE MORTGAGE CORPORATION Plaintiff (s) From BRYAN P GARDNER 407 FIFTH STREET P O BOX 83 SUMMERDALE PA 17093 ANDREA P GARDNER 315 SPRING LANE ENOLA PA 17025 (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount DueS102,743.59 L.L.$0.50 Interest FROM 5/14/03 TO 9/3/03 (PER DIEM-S16.89) $1,908.57 Atty's Comm % Due Prothy $1.00 Atty Paid $185.74 Other Costs Plaintiff Paid Date: May 14, 2003 (Seal) CURTIS R. LONG Prothonotary Deputy REQUESTING PARTY: Name FRANK FEDERMAN ESQUIRE Address: ONE PENN CENTER AT SUBURBAN STATION 1617 JOHN F KENNEDY BOULEVARD, SUITE 1400 PHILADELPHIA, PA 19103-1814 Attorney for: PLAINTIFF Telephone: (215)563-7000 Supreme Court ID No. 12248 FEDERMAN and PHELAN, LLP By: FRANK FEDERMAN Identification No. 12248 ONE PENN CENTER AT SUBURBAN STATION 1617 JOHN F. KENNEDY BLVD., SUITE 1400 PmLAOELPmA, PA 19103-1814 (215) 563-7000 CITIMORTGAGE INC. D/B/A CITICORP MORTGAGE, F/K/A SOURCE ONE MORTGAGE CORPORATION Vm Plaintiff, BRYAN P. GARDNER ANDREA P. GARDNER Defendant(s). ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION NO. 03-265-CV CERTIFICATION FRANK FEDERMAN, ESQUIRE, hereby verifies that he is attorney for the Plaintiff in the above-captioned matter, and that the premises are not subject to the provisions of Act 91 because it is: (X) an FHA mortgage ( ) non-owner occupied ( ) vacant ( ) Act 91 procedures have been fulfilled This certification is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unswom falsification to authorities. FRANK FEDERMAN, ESQUIRE Attorney for Plaintiff GAGE INC. DfBIA CITICORP ~C¥11TORIMTi(~I~I;E, ~/14d A SOISRCE ONF~ MORqf GAGE :: CoRpORATION plaintiff, BRYAN P- GARDNER ANDREA P- GARDNER CiyMI~I;P-LAND COUNTY COI3gT OF COMMON pLEAS CIVIL DIVISION NO. 03.265-CV Defendant(s)' AFFIDAVIT pURsuANT TO RULE 3129 (Affidavit No. 1) CE ON.; MoRTGAGl; F/I~L/_A SOUR IILE, sets . TIMORTG ~el ~'the Praecipe ~or.m~. W~2~t I~FTIt STREE'I r.~, 1. N~e ~d address of Owner(s) or reputed owner(S): Last ~own Address 0f address c~ot be reasonably asceR~med, please indicae) BRYAN P' GARDNER 407 FIFTH STRI;ET, P.O. BOX 83 suMMERDALE, PA 17093 ANDREA P- GARDNER 315 sPRING LANE ENOLA, PA 17025 2. Name and address of Defendant(s) in the judgment: Same as above 3. Name and last known address of every judgment creditor whose judgment is a record lien on t' property to be sold: Last Known Address (if address cannot be Name reasonably ascertained, please indicate) 4. Name and address of last recorded holder of every mortgage of record: Nalne Last Known Address (if address cannot be reasonably ascertained, please indicate) CHASE MANHATTAN BANK, AS INDENTURE TRUSTEE C/O RESIDENTIAL FUNDING CORPORATION 1301 OFFICE CENTER DRIVE, SUITE 2O0 FORT WASHINGTON, PA 19084-3228 5. Name and address of every other person who has any record lien on the property: Sallie Last Known Address (if address cannot be reasonably ascertained, please indicate) None 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale. Name Last Known Address (if address cannot be reasonably ascertained, please indicate) None 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Sallie Tenant/Occupant Last Known Address (if address cannot be reasonably ascertained, please indicate) 407 FIFTH STREET, P.O. BOX 83 SUMMERDALE, PA 17093 Domestic Relations of Cumberland County 13 North Hanover Street Carlisle, PA 17013 Commonwealth of Pennsylvania Department of Welfare PO Box 2675 Harrisburg, PA 17105 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. May 13, 2003 DATE FRANK FEDERMAN, ESQUIRE Attorney for Plaintiff CITIMORTGAGE INC. D/B/A CITICORP MORTGAGE, F/K/A SOURCE ONE MORTGAGE CORPORATION Plaintiff, V. BRYAN P. GARDNER ANDREA P. GARDNER Defendant(s). CUMBERLAND COUNTY No. 03-265-CV TO: BRYAN P. GARDNER 407 FIFFH STREET, P.O. BOX 83 SUMMERDALE, PA 17093 May 13, 2003 ANDREA P. GARDNER 315 SPRING LANE ENOLA, PA 17025 **THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THA T PURPOSE. IF YOU HA VE PREVIOUSL Y RECEIVED A DISCHARGE IN BANKRUPTCY AND THIS DEBT }VAS NOT REAFFIRMED, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONL Y ENFORCEMENT OF A LIEN AGAINST PROPERTE ** Your house (real estate) at ~ 407 FIFTH STREET~ P.O. BOX 83~ SUMMERDALE~ PA 17093~ is scheduled to be sold at the Sheriffs Sale on 9/3/03 at 10:00 a.m. in the Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013, to enforce the court judgment of.~102~743.59 obtained by CITIMORTGAGE INC. D/B/A CITICORP MORTGAGE~ F/FdA SOURCE ONE MORTGAGE CORPORATION (the mortgagee) against you. In the event the sale is continued, an announcement will be made at said sale in compliance with Pa.R.C.P., Rule 3129.3. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIR SHERIFF'S SAI.F. To prevent this Sheriffs Sale, you must take immediate action: The sale will be cancelled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: (215) 563-7000. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHEI1 RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling f215) 563-7000. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call (717) 240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days of the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. 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 LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY ATTORNEY REFERRAL CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 DESCRIPTION ALL THAT CERTAIN piece or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point in the Southeast corner of the intersection of Miller and Fifth Streets; thence Eastwardly along the Southern line of Miller Street 40 feet to a point; thence Southwardly parallel with Fifth Street 150 feet to a point in the Northern line of a 12 foot wide alley; thence Westwardly along the Northern line of said 12 foot wide alley 40 feet to a point in the Northeast corner of the intersection of said 12 foot wide alley and Fifth Street; thence Northwardly along the Eastern line of Fifth Street 150 feet to a point, the place of beginning. BEING a part of Lot No. 40, Section "C", on the Plan of Summerdale, Pennsylvania; said Plan being recorded in the Cumberland County Recorders Office in Plan Book 1 Page 44, revised in Plan Book 2, Page 109. , HAVING thereon erected a brick and aluminum ranch dwelling known and numbered as 407 Fifth Street. TAX PARCEL ,fl 1-3005-057 TITLE TO SAID PREMISES IS VESTED !N Bryan P. Gardner and Andrea P. Gardner, husband and wife by.Deed from Barry L. Hand and Wanda A. Hand, husband and wife dated 3/31/2000 and recorded 4/5/2000 in Deed Book ~18, Page 950. Property:. 407 FIFTH STREET, P.O. BOX 83 SUMMERDALE, PA 17093