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COMMONWI AI III (1I 1'1 NNSYI VANIA
LulJN I Y Ui Cmmr.IlLAND
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I 09-3'05
II '" GAVLt: A. t:LDt:R
."" 507 N. YORK ST.
b, ~::_:~:::~::~~_~7_~55____
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NOTICE OF JUDGMENTITRANSCRIPT
CIVIL CASE
'AMERICAN CREDIT t:XCIIANGt:, INC. -1
MONT. WARD CR CP
C/O PO BOX 90301
~LENTOWN, PA 18109 ~
VS.
AMERICAN CREDIT EXCHANGE, INC.
MONT.WARD CR CP
C/O PO BOX 90301
ALLENTOWN, PA 18109
OUFMJMJl ',J\'.". ..,
IZAYDON, MARILYNN
612 SOMERSET DRIVE
MECIIANICSBURG, PA 17055
I.
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locket No,:
I Date Filed:
I
CV-0000235-9B
7/16/98
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THIS IS TO NOTIFY YOU THAT:
Judgment:
~ Judgment was entered for:
...llliFAUI.T JUDGMF:NT DEI'_
(Name) 7.lIvnnN' MARTT,VNN'
~ Judgment was entered against: (Name) JlMRRTCAN' CRRnTT RXCHJlNGE.-.-INC~_
in the amount of $
00 on:
(Date 01 Judgment)
10/01/QR
. .
D Delendants are jointly and severally liable,
D Damages will be assessed on:
(Date & Time)
D This case dismissed without prejudice,
Amount of Judgment
Judgment Costs
Interest on Judgment
Attorney Fees
Total
$
$
$
$
$
.00
.00
.00
.00
.00
D Amount of Judgmenl Subject to
Attachment/Act 5 of 1996 $_______.___~__
D Levy is stayed for _ days or D generally stayed,
Post Judgment Credits
Post Judgment Costs
$
$
------------
------------
Certified Judgment Total $
D Objection to levy has been filed and hearing will be held:
I"'"
Time:
I ,"co
ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE
OF APPEAL WITH THE PROTHONOTARY/CLERK OF THE COURT OF COMMON PLEAS, CIVIL DIVISION. YOU
MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL.
{J.,?;O())f;;'
~ertifY that this is a true and correct copy of the record
(' 00~ .
ustice
ntaining the judgment.
, District Justice
My commission expires first Monday of January,
2002
SEAL
AOPC 315.96
1 J4~ 167 03L
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Z 345 364 570
us Postal Service
Receipt for Certified Mail
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TOTAL Poslag $ I :-: / - {',i
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PostmarXorO,l1e, -----'.,.
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NOTICE O~ APPEAL
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COMMONWIALfH O. P1HNIYLVANIA
cou., 0' COMMON PLlAS
fllOM
.lUttlCIAl.DI"RtCT
DISTRICT JUSTICE JUDGMENT
98-6128
Ilrltd in PIothy's Offioo 10-27-98
:=1!!f!
COMMON 'U.lI No.
NOTICE OF APPEAL
. Notice is given that the appellant hen filed in lhe above' Court of Common Pleas an appeal from the judgment rendered by the District JU1tice on the
dole and In the case mentioned below,
..J.M SSRJiSr
American Credit Exchange,
to Mnnb;)'omf-~ry \lInTel Cr"'t"l:i t-
clo Hamilton Law Group
Inc.
Corp
[MAC. "''' NO 01 NA<;l 01 DJ
SUCCOlS5ur in 09-j-05
QTY STAff
Z.COOf.
NAMl 0# Al'PULANI
10
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18109
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If'(
Ifappell
1001(6) in action before istrict Justice, he MUST
FILE A COMPLAINT within twenty (20) days after
filing his NOTICE of APPEAL.
CV 19 98-0000/15
LT 19
This block will be signed ONLY when this notaHon ;s required under Po. R.cPJP,
10088.
This Notice of Appeal, when receiyed by the District Justice. will operate
, sUPERSEDEAS Ie> the judgment for possession in this ca.e.
~', ':
SiglatJJre 01 Prothonotaly Of Deputy
PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE
(This section of fOO7l to be used ONLY when appellant was DEFENDANT (see Pa, R.CP,J.P, No, 1001(7) in action before District Justice,
.,IF NOT USED, detach from copy of notice of appeal to be served upon appellee),
PRAECIPE: To Prothonotary
. ~. . .
Enter rule upon
Name of a;:pel/ee(s)
. appellee(s), to fil. a complQini in this appeal
~I' .
(Cornman Pleas No.
) within twenty (20) days after service of rule or suffer entry of jucJ9rt of non PR?s..
.... -. ~.
SignatUl8 of 8J;P8/1ant 01 hIS attomey Of agent
RULE. To
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)
, app~lee(s)l
Mrne of awe11c6(S)
(1) You ore riotified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of
servke of this rule upon you by personal service or by certified or registered maiL
(2) ij you do not file a complaint within this time, a JUDGMENT OF NON PROS WILL BE ENTERED AGAINST YOU,
';t (3) The date of service of this rule if service was by mail is the date of mailing.
;,,; Date:
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l-\arilYIln' Zaydon
612 SomerGet Dr. ,
Mechanicsourg, FA 17055
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N:JPC 312-8'
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Pf100F OF SEflVlCE or NOTICE OF ^PPEAL (,NO nULL TO FILE COMPLAINT
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COMMONWEAL TH OF P(NN5n VANIA
COUNTY OF 1\))[-+ \,(\ \'i'I~' (\ , ..
AFFIDA VIT: I rll.'f,~by ',WI.',11 or "UI'rn !11;1l i ~,t!I"f'd
~~l C')~l:1 of rhf' rJ'dILt.' n~ ;'i'I' (;r)!lHIII'f! f'i.
(dafu of snr~'I~u; _ HK"__~... -,(rL 1 ~,.J.r
recl'lpl .1l1:-lchurf ~"(!~~'-) ;l'l,J Iwnn Ih" ;,::;,.11(,-
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',"" :.?;"~i/' :'/:-1....":1/ :""0'i.,~,...:(jIIIl'III, _,;,~n(;l'r', (t'r;'_'lpl <tll.:Jched hereto.
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1(1 _._ __, [_-~ ('y P'-''':~()n(ll srr":lcn [1 b';l (certifIed) (registered)
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thl~ Rule !'viiS i!~Jdr"';:~"d (If)
mail, sender's rp~;eq)l i1ltilr:r1(~(j h'rr~lo
SWORN (AFFIRMED) AND SUnSCRll1ED 8HORE ~JE
THIS -d5J~'.__DAY DF~t ~i)bI'L 10 '15.
Signature of affIant
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(,Oil RT 01- ('O~1 ~ION PI " \S 01- (' I I ~11 \I:R I ,\ N I) ('( 1I : N I 1', I'j N ,,\ \ I \ ,\ '" (.\
('1\'11 ,\(,II()N 1,\\\'
AMERICAN CRE!>IT EXCIIAN(iE, INC.
SLJCCI~<;SOR IN INTEREST TO
MONT<iOMERY WARD CREDIT CORP.
1'1;linlll'f
No, Ill'IXIJt>lcX
\'~.
MARILYNN ZA YDON
('1\'((, A('TION
D~kndant
NOTICE
YOU HA VE BEEN SUED IN COURT, II- YOU WISH TO 1JE/'i:N!> i\(jAINST THE
CLAIMS SET FOlnH IN THE FOLl.OWING l't\(jES. YOIl r>.Il/STTAKi: A('TION WITHIN
TWENTY (20) DAYS AFTER THIS COr>.IPl.AINT AND NOTJ<'i: ARlO Si:RVi:lJ BY
ENTERING A WRITri:N APPEARANCE PERSONAl.l.Y OR BY ATTORNEYS AND
FILING IN WRITING WITH THE couln YOUR Di:I-ENSES OR OBJECTIONS TO THE
CLAIMS SET FORTH AGAINST YOU, YOIl ARE WARNED THAT IF YOU FAIL TO DO
SO THE CASE MA I' PROCi:ED WITHOUT YOU AND A JUDGJ\IENT MA Y 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 MA Y 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,
Court Administrator
Cumberland County Courthouse
One Courthouse Square
Carlisle, pA 17013-3387
(71 7) 240-6200
HAMILTON LAW GROUP
By:
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Plainliff
No, 1')')X.Ol>lcX
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COURT OF ('O~l~ION PLh\S O!' ('IJ~lIllJ<I.ANI) (,Olr~1 y, 1'1 ~~SYI \',IN!,\
('IVII. A(,TION. I.,\\\'
AMERICAN CREDIT EXCIIAN(;J;, INC.
SUCCESSOR IN INTER!'sr TO
MONTGOMERY WARD CI~I;IlJ'r CORI',
VS.
MARILYNN ZAYDON
CIVIl. ACTION
Dcfcndanl(S)
COMPLAINT
The abovc Plairlli 1"1" brings this action against thc abovc Dcfcndant to rccovcr
the sum of $857.94, wilh intcrest thcrcon as hcrcinaftcr statcd, upon the following cause of
action:
I. The Plaintiff, AMERICAN CREDIT EXCHANGE, INC., SUCCESSOR IN
INTEREST TO MONTGOMERY WARD CREDIT CORPORATION is located at IcO
1
Franklin Avenue, Suite 200, Scranton, PA 18503.
2. The Defendant. MARILYNN ZAYDON is locatcd at 61c SOlllcrsel Drivc.
Mechanicsburg, PA 17055.
3. At the special instance and request of the Defendanl, Monlgomcry Ward
Credit Corporation, issued to Defendanl a credit card, Aect# 1180589841', entitling
Defendant to charge purchases on open account, bul retained a sccurity interest in all
purchases. A true and correct copies of the lerllls and condilions of said crcdit card account,
is attached hereto, madc a part hcrcof and markcd Exhibit" i\",
.I, SlIh"'<jIlL'1I110 IIIL' t\L'L'111 IIX()5X')X.J1' hL'IIII: "'IIL'd "lid JlvIL'I""" 'L'L'L'i\lIl~ thL'
tefln, and l'Olldilioll\ of ',lid ;h:COUllf. I>l'fclldalll lIladl' \;trItltl\ purdl.l\l'\, III \\1111..:11
tranSill'lions Defl'labllt litH!..: II\\.' tlr 'did 1..'h;lI"gl' ;tl'l'OLIIII.
5. J:or \'"IIIL' IL'L'L'I",d. r-.lonl~OmL"y W",d ('1L'<lil ('o'po'''lioll (hCrCIII"nC'
MWCC) assigncd, tran'll-rrL'd "nd set O\'er to lInilllnd ('( 'I{ P"rtncrs "II its ri~hls, tille "nd
ilHerest said claim, ThL',c"nL'r, I," v"llIe received. lInifllnd ('('I{ P"rtners, assigned.
Iransferred and sel O\'Cf to PI"inliff "II ils rights, title and inle,est in ,,,id claim 10 Plaintiff.
6. By \'irtlle of ,,,id assignment, Plainli(f aL'<jllired legal Iii Ie 10 said t\eCllIIIH, and
became the legal holder of Ihe claim againstlhe /)efcndanl.
7. /)elcndal1l has not adhercd 10 Ihe agreed repayment obligations thai govern the
aforesaid credil card aecollnt, hy re"son of which Delcndanl is in default thereof.
8. The Dclcndal1l received, aecepled and made variolls Pllrchases using the credit
card as described above. and a lolal principal amollnl \\'hich became due as a result Ihereof,
after allowancc for all proper credils for payments and/or adjustments, if any, was $295.46.
9. Plaintiff is enlitled to receive interesl on the abovc amount delermined by
applying the cOlllraclual interest rate of 18% per annum to the past due balance. As of
November 5, 1998 Ihe lotal amount of inlerest due to plainliff is $398.09.
10. Plaintiff is entitled to have the agreed interesl charge continue to accrue as set
forth above, from November 5, 1998 on do\\'nlo the date of judgment in this matter.
II. In accordance with Ihe terms and condilions of the charge account, (Exhibit
"A" attached), Defendant further agreed to pay Plaintiff's reasonalbe attorneys' fees incurred
in the collection of any balance due, which tOlal $173.39.
12. The Plaintiff has made demand against the Detcndant for the aforesaid sum,
but Defendal1l failed or refnsed to pay Ihc samc or any pan Ihereof.
WHEREFORE, Plainllll dl'n1;n1d, JlIdgn1l'nl ag;lin\l till' Ilclcnd;lIl1 for $X57.9.j
togclhcr with thc l'OntnllJ;dty ;Il'l'rtnng illtcrl"t chargl' ;11 thc agrl'cd ratl' ..I I X~'; plT allllllln
lrom NOVl'mhcr 5, I'NX. and l'ml ..I 'uit,
COlJNT II
(Allcrnalivc to ('OUllt I - lInju'l Ellrichmcnt)
JJ, Plainliff inl'Orporatc' thc allcgatioll' 01 cvcry paragraph CllulIlCralcd ahovc of
this Complaint as if said paragraphs wcrc flllly sct forth hcrc at Icnglh.
14, Thc goods, warcs, mcrchalldisc, alld/or scrviccs purchascd hy thc Ilcfcdallt,
with the credit supplicd hy l'vlWCC, wcrc rcccivcd and acccptcd by thc Dcfcndant. Thc
Defendant receivcd thc bcnelll of sllch goods. warcs, mcrchandisc, and/or scrviccs Wilholll
filII compensation to MWCC and/or Plaintiff.
15, At all timcs malcrial hcreto, Defcndant was awarc that I-.IWCC was providing
the credit for the Defendant 10 purchase the al()resaid goods. wares. merchandise, and/or
services to Defendanl, and Ihal MWCC and/or Plaintiff expecled to bc paid I(Jr such,
16. At all times malerial hereto, Defcndanl, wilh Ihe al(lresaid knowledge,
permitted MWCC 10 provide and/or extend furl her credil to permit Del(~ndant to pruehase
said goods, wares, merchandise. and/or serviccs, and 10 incur damages,
17, At all times material hereto. the Defendant was unjuslly enriched by retaining
tbe benefit of receiving said credil, goods. wares, merchandise, and/or services without
paying MWCC and/or Plainlill fair and reasonahle compensation,
IX, By fl"I\OIl of Ihe al'ofl'said IllljLlSll'llfld\llll'lll of fJl'Il'II1I,IIlI.JI 1\1\\'('(' alld
Plaillliff\ l"l'l'1\\l', 'Ill i11lplied l'Olllral'le,isls 1>l'llll'l'll Ihl' Plalllliff ;L1ld llil' Ikklldalll. ;\1111
Ihe Ikfel\{lalll i.s ol>lig;lll'd 10 pay Plaillliff Ihe 'iI\dlilLlIIl IIll'l'\liI ':;lIL1e of llil' "aILll' of Ihl'
l'l'l'dil, goods, wares. merl'll,mdise, alld/or sefvie'l" Iltlrl'llawd, ill Ihe a11l0l1nt of $X57.9.),
WIIERliFORE, Plainliff demands jLldgl11ell1 againsl llie fJekndanl Ill\' $857.94
logelher wilh the conlinually aecruillg illteresl eharge al Ihe agreed fall' of I X'X per ;W!ll!l!!
from Novemher 5, 1998, "OSloI' suil, and all olher rl'lil'i' 10 whieh Plainliff may he jU'lly
entilled.
'Ml\lfLTON LAW (j!{OllP
By:
A~. /';4; ._/
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/'Jnmes ^, Havassl. /
1/ Attorney ID #50230
1/ Attorneys for Plainliff
I 1'.0, Box 90301
Allentown. p^ 18109
(610) 758-9970
MONOGRAM CRIM CARl> ~A"K C r r,[CHeIA Cf.lHT CARD AGRU~~L~T
RETIlIL INSTilLMENT CREDIT IlGREEMENT
RETIlIL INSTIlLl.MENT CONTRIlCT_
ReVOLVING aCCOUNT PLAN
I. QtHtRAL. thIS Aqretlmenr conl.llns !hot t('IIr.. un.J condlllons thaI cr.-if!O ar.,j pmr.l !~.~
uMOI. both lh. Montgomery WOld Croolt Accounl cnd lhe Mont<t'Jrn..ry Wall! S!Ull('r ..tcq';nt 'A'h;c r
at. identical nctPI 101 the apphcobJ. fmonc.Choli]'llotos IToT~d In Seocllon ) ~;ow !h~ 1yf:'c1t:e
Minimum Poyment slaled In 5<<:lIon 6 below cnd the applicable Lalll Paymer,l r," 1'1J1~j:n $..(11111
7 h.l1w PlelJklllKld and keep this Agreement 101 YOUI l&Cords In rhll A'}I~mfnr 1n,II~. pit
monthly billing' stalemen! ("Sralcmllnl'!. "Account" r,fellla .ach such rmounl llr:'''III~I'':!'J'~'Y
dtllo~na'ed 01 a .Credl! ACt'ount" 0: 'SIOlt" Accounn 'we' 'us" and ',)Uf' II)!U U ~'}n::>lf=::l
C'lt<ht Card Bank 01 Geo''1l(]. 78-10 Rosw.1I Rood. BUIlding 100, SUit. 210, k:anla. GA XJ~ ~l :)'.1
aUI9n..s. -You" and 'your' "l.r 10 all pelsons who w~:. 'l~provtd to ~~ ~h. Acc:)l,;r,l 'eJri'
"I.r.,o your Mont'1om.f)' Ward C,echt Card. You will be odVl!l~d whether you rllve t~,,,~ lrpWt'j
101 a Cltdit Account or S!artel Account. The etl&ctlve dalel"E!lectlve Oal,"' c! I~ll AJII'~m~~,t ....1:1
belhltclllierolh)theda!eyousignanapplicf:lTlonlooptlnyour AC(Qunl.provIL1~dlh"J~pl:'iJ!wn;\
approvtd by UI,ollii) lhlt hrsl date that you or someone au!homed by you ~s~s Ihll I'CCJI,1l1 :n ~I'(
Ih.lir!1 dall! Ih'lt you or !omeone aUlho:tt.ad b, you sloJns a s.:::,H .:Ip 01 rnitrn~l(lllJum Idl(Jllr.1 J
?u,cbaM on Ihtr AccounU. You may use your Card to ma~e P.Jlchases on CrNI! !r~m h:r.e ~o 1:rr.,
undttyour Account. uptoanycrtdit limil we mayutablish for YOUI Accounllyour'Ct~j:! Lrr.lr' a
70U1 ACl:Ounl is a joint .\craun!. each of you may us.e Ihe cr~lt that we Plovide 10 you ~r.j>!r p~1
Account. You agute to USfl your Account only 101 personal. lam:ly or househald purposu
2. PROMISE TO PAY. YOtl agree to be bound by this Agreement, You promls,!o pay lor ail C:t' jl!
that WI 'Itend on your Account lor purchases !including mall and pholle ordt'l, II any:'. ;node by F:J
or anyone aulhorized by YOII ("Purchases"), ond all other amounls owed 10 us undellhe !erml ct Ih:l
Aqreemenl.lIJour Accounl is a joint Account, each 01 you IS bound by lhlsAglfemer.1. and ~ach d
you joinlly an individually prGmises 10 pay us. and may be held liable lor, all omoun!s a'4'~d :::l ~s
on your Account.
:to FINAHCE CHAROtS. When your ACl:ount has a balaDce 5ubJe<:1 10 f'inance Charge ell
described in Section 4 below), we will assess a Finance Charge calC\Jlaled by applYlI:g a rr.cr.lhly
periodic rale (as described be[owl ("MOllthly Penodic Rale"lto this bolance
m U you qualify tor a Credit Account and if you live in any slate excepllA and WI. yaul Menlhiy
P,ned" Rale a/WIINCe CHIIRGe is l.683% (IINlIUIIL PERCENTAGE RlITEoI22,6%1,
In !A. your MonthlyPeriodlc Rate 01 FINANCE CHARGE is 1.65% IANNUAL PERCENTAGe
RATE 01 19.8%l. In WI, your Monthly Periodic Rate 01 FINANCE CHARGE is 1.5% {ANNUAL
PERCellTlIGE RlITEoI18%1,
(iilll you qualify for a Starter ACl:Gunt and il you live in any stole elcept IA and WI. yaul Man!hiy
P,nedi, Ral. al rlNlINCE CHIIRGE is 2,325% IIINNUIIL PERCElITlIGE RlITeoI27.9%1,
In lA. your Menthly Periodic Role 01 FINANCE CHARGE is 1.65% IANNUAL PERCCNTAGe
RATE 0119.1%}. In WI, your Monthly Periodic Rate 01 FINANCE C!:dRGE is 1,5% lANNUAL
PERCElITlIGE RIITeoI18%1,
A minimum FINANCE CHARGe 01 5.50 will be assessed lor any billing peliod In 'Nhrch e
f"inan::eCbarge is due. elcept if you live in WI no minimum FINANCE CHMGe WIll be assemd
in any billing period in which 0 Late Payment Fee is assessed and il you live in All DC, HI. MD. ~IC
HE. PR or HI no minimum FINANCE CHARGE will be assessed.
4. BALANCE SUBJECT TO rINAHCE CHARGE. We will ligure rhe Finance Chotge on yaur
Account (except il you IiV& in MTI by applying tbe Monthly Periodic Rate !o the "Average Dally
Balance" of your Account (including current Purchases. except in the stales lis!ed below where we
elclude current Purchases). To gel the Average Daily Balance. we lake Ihe beginning balance of
yow Account eacbday. add any new Purchases (elcept tbat we do not add any new P~rchases il yau
live in MA. ME. MN, MS or NMl and subtract any parmenls or orher credits. Late Payment Fees and
Returned Check Fees (see sections 7 and 8 below), insurance pr'Jmiums. prepaid legal services fees
and. il you live in AL. AR, AZ. CA, DE, FL, HI, lA, LA. MD. MS, NE;, PA or PH, we also subtract any
unpaid Finance Charge. Tllis gives us the daily balanc9. Then we add up all the daily balances for
the billing period and divide the total by lhe number 01 days in the billing period. This gives us the
Average Daily Balance.
U you live in MT, we willligure lbe finance Charge on your Account by applying the Manlhly
Periodic Rate to tbe "Adjusted Balance" 01 your Account. To get the Adjusted Balance, we toke the
balance you owed at the end 01 the previous billing period and subtract any unpaid Finence
Charge. any insurance premiums, and any payments or other credits received during the C1.lnent
hilling period.
5. WHEN rIHANCE CHARGES BEGIN TO ACCRUE. New Purchases are added in
determining the daily balance and will incur a Finance Charge lrom tbe dale al purchase &lcept as
provided below, In MA. ME, MN, MS, MT and NM. new Pulchases will not incur a Finance Charge
during the billing period in which they are made. In all states, no Finance Charge will be imposed
during a billing period if (al there is no balance at the beginning ollhe billing period ("Previous
Balance'lor (b) the sum of your payments and othercredils is 01 least equal to the Previous Balance.
In these cases, new Purchases will not incur 0 Finance Charge in the billing period when they are
made or if they are paid within 26 days 01 the Billing Ocrte. To avoid additional Finance
Charges. pay your H.w Bahmc. in lull by the Paymenl Du~ Date shown on your
Stat.m.at.
B. PAYMENT. When Ihere isa New Balance shown on yaw Statement, you agree to pay 01 least Ihe
Minimum Payment called lor on that Statement. in lime lor leceipt by us by the Payment Due Date
shown on that Statement plus any past due amounts. Your Minimum Payment will not reduce as the
New Balance is paid olf, unlilthe New Balance is S1Jand a new Purchase is made. JJ you qualify lor
a Credit Account. the Minimum Payment will be the greater 01 $10 or [/40th Ollhe highest New
Balance 01 your Account since illast had a balance 01 $200 or less, rOU.llded up to the next whole
dollar amount. plus in each case any past due amounts. or Ihe entire New Balance it the New
Balance is less Ihan SIO. However, the Minimum Payment will inslead beSIO if the New BaJonceol
your Account decline! t052OO0r less, If you qualify fora Starter Account, the Minimum Payment will
be the greater of $20 or 1/4Otb of the highest New Balance 01 your Account since illast had a balance
ol!200or less. rounded up to lhe nen whole dollar amount. plus in each case any pasl due amounts.
or the enUre New Balance if the New Balance is less than 520. However. the Mir.imum Payment will
instead be S20 if the New Balance 01 your Account declines to 5200 or less.
'fou may at any lime pay male than the Minimum Payment. or the en!lre balance in lull. All
paymeDts. elcepl dispufed payments. must be mailed or delivered 10 us at !he addless shown on
J7IIll2lC
-~
P"l S!II"m~n! y"'..r 'hf~"n! IUJreu. Ar,y l"lY~"i'!\ I'" "v~,jJ!'<'rj ')J '.1 m t:.uleln Time on
lny t".,.:'l~H j'll .....;:; t", credited en lr.~ ::(111 b~s:r.HI Jl'; el..,j,lla V"'/! Acccunl may bo deJarlfd
'.p I,! llv~ j'1' ;, p':Y::-,l'.~t:s a, not ;t~tlV...-J 'Jr lhl! hym..r! A~jlfU !J, not mod. In US dollars
:1 I....' C,[j 11 S ~:r,:r.~I'l: :nSll!'J!:01 lOCtlli',j:n I~.l' US d { r,';lllWJrrI-"HIit'd by Ihe lOp poll Ion c!
'(".1 :"J'''~'''l' ["'l'lf..d Ch'l:!:!J:':q maFa~\" yeu 'o:r.~'..r 11,1" f'.ly:r'''M f.." ~r addlhor.al flnun('ll
el)'jl ,J~I L,u 011"" '1':,:! 7ny po:.rym~r,l1Jn ,our Ac,..,,~~. ~)'1:j"111 !J.l.'f'!'1o:lrr.8:Y Ward '!ar.ell"
~ ~~. ::..j ~y M Jr.!']'. r.:..ry 'A'LJr:l O'S '1 c:nVtnlIlOCIt leI YiUJwt lIt' n~1 d('e:!,..-d IltCelVOO cr accepted by
ul.'i';: J("~ l::i' ~.'Ct,....~d by us '.\'(1 I~so!r,..tllhe ::gh! I') '1;-;:y lh, paym_!:!1 en YOUI ACC'ount In any
~:~,~.~I :'...) :1".-:y ~:-'~\l!:n QUI SGi81J5CI~tlcn AI!hcll}hwe f<,.Sl YOUI r:ly:r.~ntS as 01 the dolt' .....e
1,,",t',1l' 'r.,~~ pH JV~::JC!'1 Cl~(hl [Im:t rr:ay M!:.ol ~~'1:1('1 Lr '.p!o ' :i'.1YI al'er 'Ne te<:.IVe YOtll
;!IF'''r,: :~ 11~', ~:I~jl:aT'lr.::e5 rfn:ollq 'hit (I~'Jjr onl:':,:" 1,:, yell by leason :.J YO~I paymen!s
r:1~y ~~l L:~~"I:>!:'l,(~.j All W,.-jI~S tOI pa,r;l'lll! on y:)u: AC(()Jnt Jr~ t'.It,,'n!o hnol paymt'n! by !he
;r,\';~~'I',~ '.n'\"h,rh !r... Item at P'Jymll.~! 'liCli d:1wn
All wrillen communlcalioru concerning dhputtd amounb.lncluding an)' ch.ck or
other eayment Instrum.nt that {IJ Indlcat.s thai the "a)'JII1n1 consUlul.s "puym.nl
in full or Is I.nd.ud as Jull sallsfacllon o' a dbp" .d alDeunt. or fllIil I.nd."d
with olher conditions or IirnJlallons. mwt be maild or d.!Ivt"d 10 UJ 01 th, adclr.u
lor billing Inqulrl" Ihown on your Slate..nl. Rolyour Paym,"' Ildd"u.
7, LATE rAYMtNT FtC. lill! YOtl quahly lara Cl!l.!:l Accour,1. we may Impose a late Peymel'll
ftll 01 S15 :l we do r'IJI re<:t'lv. youl MlIllmum Paymenl_b'f !he PO)n:enl Due Do!. shown on yow
('unelll Sta!t'men!. ucept as ptovlded btJlow. [n CA. CO. DC. iN. MO. /fJ, OK. PA. rx and UT, we may
:r.:po.ll'] wIll Paymenl Fee al $Ia IJ wtldOnotlect'IVtl yaur MlIllmum Paym~nl by the Paymenl Due
Do!. shown on JOUI c'men! S!a!lImt'nl, In PR. no Late Pay men! Felt 'lilll be Imposed. In IA. we may
:mpCUlt'l late Paymenl Fee 01 510 II your MlIllmum Poymenr II not lecelved by us within JO days
al!erlhe P,yment OIl'! (lQ:e shown on your c'JUent S!a!err.tnl [n WI. '4'1 may impose a l.a:t. Paymenl
FeeotS:O If your MIlllmum PJ1mentls natlecelved by us wlthlll ~daYI allel the Paymenl OueDole
shown on your S:a!er.:enl. el:ceptthat we 'Nlllnot impose a [.ale Paym@:ltreelnanybillingperiodin
.....hich a mllllmum Finer.ce Chalge is imposed.
'ui II you quall/y lot e Slarler Account we may impose ol.a!e Payment Ft'e 01 $20 It we do not r&ceive
yaur MinImum Parmt'nt by the Paymenl Due Do!e shown on roul curren! Statement except as
p,ovlded below In PA. no lare Payment Fee will be Imposed.!n IA. we may Impose a Lale Pay.llenl
fee 01 SID if youl Minimum Payment is nol r&ceived by us wl!hin 30 deys aJ!er the Payment Due Dole
sho'Nl'l :n your S!a~emen!. In ',n we moy impose aLale Payment fee a! SIO If yout Milllmum
Peyme~l:s Ilot r~elveo:l by us 'N1!hm 5 days al!er rhe Payment Due Dare shown 011 your Stalement.
eJ:cepllhal 'Ne Will not Impose ~ Late Peyment ree in eny billing penod in which a minimum
flr.an::e Chct1e is imposed.
8. RtTURHED CHECK FCC. 'Ne may impose a Returned Check fee el SIO (S5 in CA and the
lesser of S~~ oj rhe amollnt ollhe returned chec~or 510 in [).) danycheck sent 10 us in payment on
yaur Accounlls re!urnoo to us unpQ!d by your bank. eJ:Ceptthat:1 you hve In AX. DE. GA. KS, ME, MA.
NE. Sj, PA. PRo 'fi or W'(, no Re!umfd Ched Fee .....Ill be Imposed.
9. SECURJTY INTCREST. Except in CT. MOlon any purchase undet SI5O!. NC, NY or PH. we will
have 0 pUlchase money s~ulil1 illterest in all merchandise purchased on your Accouot uOlil such
metchandist' is paid in !ul1.lf we do not receive your Minimtlm Payment by Ihe Payment Due Dole,
we may repossess. to the extent permilled by applicable law, so Icng as '4'e do not breach the peace.
the merchandise that has not been paid In full. We oglee !hal no secUlIl'i InleresllS or will be
rerained at acqulloo under this Agreement in any real plOpel1y which is used or is expecled to be
usedasyourdweiling.
10. SPCClAL PAYMENT PLANS. Flam time to lime you may be oflered special promoliooel
terms which ;subject 10 specified conditions) leduce the cost 01 credit under this AgIeement or
otherwise modify lhe :erms 01 the Agreement with respect 10 cerlain Purchases on your ACl:ount
I"Special Payment Plens"). The slandard provisionsol this Agreementapply 10 any Special Payment
PIon unless otherwise prOVided under the SpeclOl PO'{menl Plan oHefing, aod IVlIl continue loapply
to any and aIlllO:lSOClions lhat are not subject to a Special Payment Plen,
II. TERMINATION/CHANGe IN TERMS. We may. al allY lime and subjecl 10
applicable law: (a) terminate this Agrelm.nl; (bl terminate YOW' righl to malee
fuhu. Purchases: leI chang. your Credil Llmll: or (dl change emy lerm and condition
ollhis Aguem.nl "Iating 10 your Account. UIlI.ss prohlbU.d by upplicablelaw,
w. may apply such changed or n.w lemu 10 any outstanding balanc. 01 your
Account on lb. ellecUv. dale 01 lb. change ancl to any future balances created
aU" that dale. Wh.n r.quired by appUcabl. law. we wiD mail a nolice 01 lb.
change(s)to you.
12. DEFAULT. SubjecllO the limilations of applicable law. we may declare thalJou are in delault
under lhis Aq:eement if you (oj fall !o make at least the Minimum Payment when ue; ib) violate 01
any other term 01 this Agreement: it/ become the subject 01 oonlcruptcyot insolvenc'f ploceedmgs;or
(d) elceed the Credit Limit on your Account. Altel your delaull ar your death. and subject to the
limilahons 01 applicable law, we have Ihe right to (j) reduce your Credit timll or lerminate r""
Accounl. in which case lhe terms oj this Agreement will apply unlil lull payment is r&ceIVed 0 the
amount owing on yaw Account. including Financo Charges which we will continue 10 impose!o Ihe
date offul! payment; (ii) require immediate payment 01 your eDtlre Account balance. Including
Special Payment Plan balances, all accrued but unpaId Finance Charges, and aU lees and olher
charges listed In Ibis Aq:eemeDI; aod !1m bnng an aCllan to colle<:t all amounts owed. ft. alter
default, we leJer your Account for cOlleclion!o an attorney who is nOI our salaried employee, 'Ne
may. to Ibe exlent permilled by applicable law, charge you or coIlllC1 from you our r.olleclion COSls,
including court costs and reasonable aUorneys' lees.
13. LIABILITY FOR UU.IlUTHORJZED USE. The Card issued to. you by us at your request
remains our prcpel1y and you will sunender it 10 us upon demand. '(au may be liable lor lhe
unalllhorizoo use 01 your Card, You will nat be liable Jar unauthorized use that occurs aJ!er you
notify us 01 the loss, theltor possible unauthorized use. You agree 10'promptly notify us if your Card
IS losl or slolen or oj poSSible unaulhorized use 01 your Card by wrillng ta P.O. Box I~O, Roswell,
GA30076, or by calling us at 1.~967.9273.1nanycase. your liability will not exceedS5Q.1n NY, you
WIll have no liabIlity Jar unauthonzed use 01 the Card pnar 10 the Effective Dote. II you orally give us
norice concerning loss or Ihelt, you agree to confirm it in writing. You agree that unauthorized llse
does no! include use bya person whom you have gIVen aUlhOlity to use lhe Account or Card and that
you will be liable lor all use by such person. To terminate lhot authority. you must notify us atl.aoo.
967.9273. Subjecl to Ihe leqUlremen!s oj applicable law, we may cancel yallr Account if YOll Jail to
nOlify us immediately 01 any ollhese events.
hi. CRtDIT RCPORTS AND ACCOUNT INFORMATION. 'hu 'II v"' 'a pl'~'rnlUIOll fo It'q\lesl
:nlormallon .md 10 mak~ 'NballlVllf :nquu:u I/fI! '::In,Jdl'1 '...."lloCry 'lO(] ,lpP"'PW11tt InclUr.11nq
vblallllnq IOlatrnollon 110m thud ;xtrtlllS a:.iJ Ittq\ll'Sll:l1 r-:'lllu:r.fI ;"(!()l!sllom lC:nlUmal fl!pollln'1
']'1'0(1'" lor the DUrpoS6 'll fO'JU'WlllQ yeu! lPpUC';!l,;n :;! ':'::1 ,\C:'JU:ll 1M ~UO~JenIJy. ,n
ccnnllC!lon with :lny 'lpdCles, :'In&w(ll~ ,." ~Iloln.w;ns \1 -:","1 .r :~l:"Wlnil .lJ '-,ol:l.'("llnq YOUl
ACI.'Wnt, louai50 aumom& us rJ reoon '(0\:1 pIlrDI:nonrlll:r.ler '~.:. '\"/f'..-rnl<nr JnQ ('rh"llnlorm,ltnrl
:onClllnLnq you or YOUI Accoun!"'o r:l~lIl OUII'IIUI 1:,,1,'1:':"11 11M :m:y ;Jlr~IlV '~IlIVfl! :lUC~
mlormOllOn. You are h,reby nolilled that a n'lJaUve uedil r.pori ,.n.ctialJ onJ''''
a.cUl neoR mcry b. suba:Ull,d to a credit up.rUnt _qtney il you faU 10 lull! Ih.
I..... 01 t.bII Agr"m.nl.
IS. ruRNISHING UfrORMATION. ':Jll II V!! '..is ?t'1r.'li1S1(;rl ~J l'mllli~ :nll1lrnU!IOn anoul
lOU or your Account 10 persons wno IMY llS. lha 1r.!~I~.'JllO'l:: ';:!~r plC1J'JCls ';1 ..~rVlCl'S lel you
(au can rlMJuasllhat 'Ne dlsconlmue IUl:lISlllnq 1:l101:1hJI:00 ;:; ':i1S manner 01 '.l"ltlr.r, to us (11
P.O, Sol 10JOSO. Rosweil. GA 30076, iln the Wlleal CJLbll\I'J AllY '(OU mCIFa;1 us at !~OO-9SO.
Q1~51. '(ou also aqree lhat 'Ne may dIScJO$' at ..xcn'1n~1I ml~I:::'J!I~n (HXlul '(l1iJ OJI YI1Ut Accuu,lt
wIth Ollr allilialos and MOl\lqomory WalcJ
16. TtLJ:PHOMC MONITORUfG. 'NlIlrllal limy r:'.Jsloml11 call COnlldQntl'Jily 70 <lnsuro that
10u r~I"''!l accwalctT.ld Coutleous CU:lt:.:::t! :Or"llCQ.~:l u::c:~;.:n :;r.ut call ~.a'{ ~ m.:Jnl!.:lI...J L'r' II
second employee and you agree to any sucn mOllllonnq A 11CN1~ I? use '~IVICII ()!l~mnq aq'Jlp:nenl
has *n oblamoo !tom lhe Coolqla Public Service CummlUJOn
17. XO WIlIVEK BY US. 'Neleserve the llqnl. al any lIme cr:la l:l our sole dl!oCrelJOn. nOllo Impose
pan or all 01 any tee set fonh in Ihis Aqreemenl or not to e.ll!II1::se any 01 our olhl:lr nght! under Ih15
Aqr&ement and, should we do so. lIe wll! not WOlva our nqnllo :moose Ihe 1M or llurClse Ihe nght
as setlorth in lhis Agreement in lhe future. Wilhoul hmlt;nq t::e 100eqolOq. 'Ne may. 01 our opllon.
aecopllate or panial paymenl! or c.b.eeis 01 :noney orders ma:i:ed "payment in iulJ" or tendered
.ltholhercondilionsor hmllollons, bUllI'll"e do. 'Ne 'Mill :let .,v(ll'I(!cr !ose our ngbls Wider Ihls
Aqreemenlorotherw1!e.
18. CHARGC or ADDRESS. You agr~to nohly us promptly tl you chanqe your address. Unlil
we reeel'e notice 01 your new address. 'Ne WIll conllnue to seaa Slatemenls and other nolices to lhe
last address we maintained on yow Account. You aqtee that 'Nnen we OJe notified that you have a
:lew addrelS.lhe lerms ollhis Aqreement sp!ClficaJly apphC't1:lle 10 Ihe residents 01 your new slale
01 residence Will apply 10,lhe enllle balance of your Accounl a.'lt't we teetlVe .!JolleD 01 YOU! new
address. II your Account IS a loinl Account. omch 01 you appOlnts the olhens) as your agent 10
desu;nate Ihe address to which Ihe Slatement land any other :lOllces) may be senllo you by us.
19. GOVl:IUlIND LAW. THIS IIGREEMENT lIIl1l YOUR IICCOUNT JlRE DOVEIUII:Il
BY lIIl1l CORSTBUEIl IN IICCORDJlRet WITH TIlE LAWS OF THJ: STIlTE OF
DEORDIIl (WITHOUT llI:DJIRD TO 1IITEIIII1IL PRDIClPLtS or CORFIJcrs OF
LAWlIIRD lIPPLlCABLt n:DtIUIL LAW. TIlE LtDAIJTY, ERFORCI:lIIIIIJTY lUlD
1NTEI1PRJ:TIITlOR or THIS IIDIII:DII:IlT Il1fD TIlE MOUNTS CORTRJICTED
rOR. CHJIBDtD IlHD llI:CI:IVED UH~tR THIS IIDRI:tImlT WILL BE DOVEIlIIED
BY SUCH LAWS. THIS IIDRI:tImlT IS tIlTEREIllNTO BtTWtEN YOU MD US lB
DEORDIlL WE MIlKE DECISIOIIS ABOUT DRAllTlHG CREDIT TO YOU I'HOM,
tllTtIIIl CRtDIT TO YOU UHDtR THI.~ IIDRI:tImlT I'HOM, JIIlD IICctPT YOUR
PIIYMENTS lB, DEORDIII.
20. ASSrGHMCHT. We may sell. :lssign, or transfer all or any portion 01 your Account or any
balance due under your Accounl and our riqhts under Ihis Agreemenl without prior notice 10 you,
You may not sell. assign. or transler your ACC'OUDt.
21. SEvtIUlBILITT. ~ cnr. proVlsioD 01 this Agreemenl :s tinally delermined to be void or
unenlorcooble underapphrob e law, rule, 01 regulation, all other provisions 01 lhis AgrMment shall
still be valid cnd enforceable.
12. EHTIRE IlGREEMEHT. This Agreemenl constilules the entire agreemenl belween you and
us relating to r.our Accounland supersedes any other prior or conlemporaneousagreement between
you and us re atlnq 10 YOllr Account. [J there IS any eonlHel between Ihese documenls. lhe lerms of
this Agreement conlrol. This AqJeemenl may not be amended excepl in accordance WIth the
provisions 01 Section I I ot Ihis AqJeemenl.
FEDERAL AND STATE NOTICES
You may at any time pay off the lull unpaiel balanclIt under thi. Agreement without
iaturring emy aeldiUonal chargo.
Service Uinancel charges al rates nor in excess ollhose permitted by law wHi be charged on
oUlstanding balances from month to monlh,
MAR~ RESIDENTS: You have the righl under Maryland Commercial Law Code Section
12.51010 receive an answer to a '.vnllen inquiry concerning the SlatUS oi your Account.
NEW JE.R5EY ~ENTS: Appli~le law does notUmlt our righls under Ihis Agreement.
~~cept as Jollow5:l1l we mus~ send you pnor noticeef any Increase In the finance Charge rates; ar.d
(II) our reasonable attorneys lees 'RIll not exceed 20% 01 the first SSOO 01 your oUlstandinq Accounl
balance and 10% allhe excess.
0100 RE~ENTS: The O~io law aqain.st discrimination l~quires tbot all creditors make credit
equally avallr:m[~ 10 all credit 'Ro~hr ?1Stomers. and Ihat credit reporting aqencies maintain
separate crOOlt hlstones on each indIVIdual Upon request. The Ohia Civtl Rights Commission
admiaislers compliance WIth this law,
PUERTO RICO RES1DCHTS: You may request a copy at Ihis Agreement in Spanish.
VIRGnnA RESID~: To ~oid addilional finance ChOJqes being applied 10 your cunenl
Purchases on Ihe JolloWlng monlhs State men!. pay the New Balance on each mODth's statement m
full by the due date.
NOTICe TO lIPPLlCIIllT1 1111 UO ROT SlDII THE lIPPLlCIITlOlI/lIDRtEMEHT
DEfORE YOU RI:IIIlIT OR IF THIS IIDREJ:MJ:IlT CONTIlIJIS IIllT BIJlIIK SPliCES.
IBI YOU lIRE tIlTITLtIl TO II COMPLETELY FILIJ:D III COPT OF TICS ADIlEEMEIlT.
IC) YOU MIIY liT MY TIME PIIT orF THE FULl, UIIPIIID BlILII/let UIIDtJI THIS
ADllI:OItHT 'IIITIIOUT INCURRlIIG IIllT IlIlDmONAL CHIIRDE, IDI YOU HIIY
UIIDtR CERTIlIJI C1RCUMSTJIllCES REDtEM TIlE PROPtRTY IF RJ:POlISESSED,
lEI THE Stl.LtR HIlS RO RlDHT TO UllLAWl'ULl.Y EIlTElI YOUR PREMISES OR
COMMIT MY BRllIICH or THE PEllet TO RJ:POSSJ:Sll GOOns PURCHJIStD
UNDER THIS IIDREEMENT. Irl IN MlISSIICHUstTTS, YOU MIIY CIIIICEL II
PURCHIISE UXDtR THIS IIDIItEMENT IF IF HIlI BttJI SlDRED BY II PIIRTY
THtRtTO liT II PLAet OTHER THllN THE IlIlDJU:SS OF THE !lELLI:R. WHICH
MIlY BE HIS MIIIR omCE OR II BRAIICH TIItlU:or. PROYIDED YOU NOTII'Y THE
!lELLI:R IN WRITIIlD FoT HIS MIlIII omCE OR BRIlllCH, BY ORDllIlIRY MllIL
POSTtD, BY TtLEDRIIM stNT OR BY DJ:LIYtJ\Y, IIOT LATER TIIIIN M1DIIlGHT
or THE THIRD BUSIIIESS DIIY rOLLOWllID A PURCHIISE UNDER THIS
ADREEMENT,
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Af.3fP-'Rel
PfeSlden!
78.0 Roswell Road. Emldinq 100. Suile 210, Allanta, GA.mso
Notic.: The lollowmq IS lmportanl informatIon reqardlnq your nqhtto dispute billing errors.
r
YOUR BILLING RIGHTS, KtEP TinS KOTlCE rOR rUTURE USE.
This nOllee conlains imponant informal1on about your nghls and our relpornabilitiel under the
faIr Cledil Billing Act.
.'
NoWr U. in Cae 01 l:rrGrs or Qu.stions Abou~ YOW' Bill.
II you think your bill is wrong. or if you need more in1onoation aboUI a IrOQaactlon on your bill.
wnle us on 0 separate sheel at lhe address shown on your Slatementlor billing Inqullies, Write
10 usas soon os possible. We musl hear tram you no laler Ihan 60 dayl aiter we sent you Ihe IIrst
bill on which lhe error or problem appearoo. You can lelephone us, but doing so will not
preserve your nghts,
In your leUer. give us Ihe 10Jlowltlg ln1onnalioo:
. '(Out name and ,\ccount number,
. Tha dollar amount of the suspec1ed orror.
. Oescnbe the flrror and elplme, iJ you cae, why you beHave there il an orror, U you need
more Information, descnbe Ihe ilem you are Dot sure aboul,
YOW' Rigbb and Our RespontibillUn JUI.I' We Recti.,. Y01ll' 'i'riU.n HoUe..
We must acmowlooge your leller wilhin 30 days, UnlllU we have corrected the error by then.
Wilhln 90 days. we musl olther correct the error or explafn why we believe the bill was COlTect.
Allar we receive youtleuer, we cannotlry 10 collect any amount you question. or report you as
delinquent, We can continue 10 bill you for theamount youquelllon. includIng flnancecl1arglls.
and 'NO can apply any unpaid amount agennst YOut credit Umil. You do not have to pay any
quesUonoo amount while we are inve51lgating. but you cre slill obligated 10 pay the parts of
your billlhat are not in question.
II we lind that wo made a mislalr:e on YOut bill. you will not have 10 pay any finance charges
related to any questioned amount. II we didn't make a milltalr:e. you may have to pay finance
charges. and you will have 10 make up any miued payments on the questJonoo amount. In
either case, we will send you 0 statement ollhe amount you owe and tbat elate it II due.
II you fail to pay Ihe amount thot we think you owe. we may report you aa delinquent, However.
If Out explanation does nol sallsfy you and you write 10 l1B within ten days telling us that you
slill refuse 10 pay. we musllelJ anyono we report you to thai you have a question about your bill.
And. we mU5tlell you the namo 01 anyone we reported you to. We must tell anyone we report
you to that Ihe mallor has been sellled between us when It Hoally II.
Il we doo'tlollow these rules. wet'lm'tcolloct the first$SOof thoqueltloned arnount. even if your
bill is correct.
Sp.cialRu1e for Credit Ccrd Pan:Juzsas
If you have a problem with tho quality 01 property or semcoslhat you putchased wilh a credit
card. and you have tried in good faith la correct the problem with the merchant. you may have
tho right not 10 pay Ihe romalning amount due on the property or services. There axe two
Iimi!ations on this right: (a) You must have made the purchase in your home Ilate or. if not
within your home stata, within 100 miles 01 your curreot mailing adclreslI: and (b) The purchase
price must have been more than !SO.
These limitations do not apply if we own or operate Ihe merchant. or II we mailed you the
advenisemeol for Ihe property or I8rv1ces.
COlIRT OF CO,\I:\IO!'i I'I.EAS OF l'l\IIlElH.A,'U ('01 ",",'Y, !'E!'i!'iSYL\'A!'iIA
('1\'/1. A('T10!'i.. lAW
AMERICAN nu:nlT EX('II,\!'i(;Jo:,I'C.
SIICCESSOR IN INTEREST TO
MONTGOMERY WAIW ('IU:UIT om!',
Plaintiff
Nil 19(}X-0612X
VS,
MARILYNN ZA ynON
Ucfcndll n t
CIVIl. ACTION
MARILYNN ZA YI>ON'S ANSWER TO PlAINTIFF'S COMI'LAINT
Defendant. Marilynn Zaydon, by and through herself: files this answer to Complaint and
states as follows:
I, Denied, It is denied that the defendant has knowledge as to whether American Credit
Exchange, Inc, is the true successor to Montgomery Wards Credit Corp, It is further
denied that the defendant has knowledge as to the true address and location stated in
the complaint.
2, Admitted.
3, Denied, After reasonable investigation defendant is without knowledge or
information sufficient to form a belief as to the truth of the avennent and strict proof
is demanded, It is admitted that exhibit "A" is attached, It is denied that exhibit "A"
is a true and correct eopy of the terms and conditions of said eredit card account, and
strict proof is demanded at trial.
~ fkilk'd Mil-, ,,'oo'onoook- Il1\e'"['allon ,kknd.tllI ""11110'" ~ilO\\k-"I'l' 0'
lilli"IllOO'''"' \I,liil',,'nllo li.rm a bellel'as 10 Ihe I,,,'h ol'lhe a""IIIl'''' alld ,11Il'1 1'/1101'
IS delllallded
5 Ikllll'd Ildelldall'" w,lho,,1 ~nowk-dfl' ol'lhe l,all,ler from MOIIII'Ol11l'r)' Ward
C'l'dll ('0'1' 10 I 11I11'""d ('( 'I~ I'allllers alld no 'lOllficalloil 01' s"l'h was gl\ en 10
dc/elldalll OIl allY IIIlW by' eilher ol'these panics
6, Ikllled. Dclelldant,s wilho"t knowledge of allY assignment. ilnd II,s "nknown who
acqUired legallltle of silid acco"nt or wllo became the legal holder of tile ch"m
ilgilmst the dclendant
7, Dellied, Dclendam pa,d silld ileeount in a timely fashion and account had a zero
balance, Dclelldilnt was not in default.
8, Denied, Defelldalll paid said aeeounl in a timely tilshion alld aecounl had a zero
balance, Denied that $25946 WilS due and striel proof is demanded at trial.
9, Denied, Defendant is without knowledge of any interest rate, In addition, there is no
past due balance, After reasonable investigation defendant is without knowlcdge or
information sufficient to form a bclicf as to the truth of the avennent and strict proof
is demanded,
10, Denied, Defendant never agreed to any interest charge and after reasonable
investigation defendant is without knowledge or infonnation sufficient to fonn a
belief as to the truth of the avennent and strict proof is demanded,
II, Denied, Defendant never agreed to pay any attorney fees and after reasonable
investigation defendant is without knowledge or information suflicient to form a
belief as to the truth of the avennent and strict proof is demanded, It is funher denied
Ihal e\llIhll u^.. " the IllIe alld rOlleet rol'l' of the do:lelldalll" eharf'e arrolllll and
,llIell'mof" dellwnded alllla'
12 DenreJ IlclCnJant ha, nevel rerelvcJ an~ demaIlJI.lIanY.WllofnlOnevfmm
anvone lepre'entm!'. Morll!'.omer~' Wald t 'Iedil t '011'
WIII'RI':/-'< JI{I.:. defendanl leqlle'" that plamlllr, complaint he JI"llI"eJ
('()(::'\T II
(^llernativc 10 Count I UnJu'l Enrichment)
13. Dcnied e.\eept lill admittcd ponions above.
14. Denied. Defendant paid MWCC in a timely "Ish ion and had a zero balance aller
requesting the account be closed.
15. Denied. Delendant is without knowledge of allegations set forth in paragraph IS, and
there/ore this paragraph is being denied. I'roofis demanded at the trial of this case.
16. Denied. Aller reasonable investigation, delendant is without knowledge or
information sufficient to form a belief as to the truth of the averments set fonh in
paragraph 16 of the complaint, and therefole arc being denied. Proof is therefore
demanded at the trial of this case.
17. Denied. Defendant was not unjustly enriched because defendant paid for all goods
received.
18. Denied. No implied contract exists between the Plaintiff and the Defendant. In
addition, Defendant paid MWCC and had a zero balance.
WIIl'I{11 ( rl{I.. delCndallll'J;1\ s Ii" IlId!'llIenl rnl" lil\OI anJ agarn't I'lalntllf ^rnellean
t 'leJIII\l'halll'l', IlIl' and li'l ;JIlI' alld all relrefas Ilrl' t 'our! deell1' applopnate
"EW:\I.YITEn
1'01 ^i'tilll1atl\e /)elCnse" Malllvnn laydon :rs,er!'
1'1 that 1'1111 and curnplcle I~l~rnent \\a, made In I'erson, hy Marrlynn laydon, JIl the slore
located In Camp Ifill, PA
20. Ihal thiS claim IS beyond Ihc al'plicable statute of limitatIOns in Pennsylvanw
DATE 1/ , . I,'
BY </c;..I'('.c!'~-_~~ ci'I!/C
Marilyim Zaydon
612 Somerset Drivc
Mechanicsburg, PA 17055
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