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VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
MELVYN S MANTZ & ASSOCIATES, P.C.
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK
Plaintiff
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
VS
DANIEL L. RUBEN
NO. 16 - 7/lfy
C~~~
Defendant
NOT ICE
You have been sued in Court. If you wish to defend against
the claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are
served, by entering a written appearance personally or by an
attorney and filing in writing with the Court your defenses or
objections to the claims set forth against you. You are warned
that if you fail to do so, the case may proceed without you and a
judgment may be entered against you by the Court without further
notice for any money claimed in the Complaint or for other claims
or relief requested by the Plaintiff. You may lose money or
property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT ImERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
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VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
MELVYN S MANTZ & ASSOCIATES, P.C.
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK
Plaintiff
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
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VS
DANIEL L. RUBEN
NO. 9 f 7/'1 [ C<.L.:J '0.<-,.
Defendant
C I V I L
ACT ION
1. The Plaintiff is PROVIDIAN NATIONAL BANK, a national
banking association located in Tilton, New Hampshire.
2. The Defendant is Daniel
place of residence located on
17013-4375.
L. Ruben, an individual with a
125 Andrew Court, Carlisle, PA
3. At the request of the Defendant, Plaintiff issued to
Defendant a credit account, account number 4428002670608415, and
at all times relevant hereto, Defendant was the holder of said
credit account issued through Plaintiff's credit facilities. A
true and correct copy of Defendant's application is attached
hereto, made a part hereof and marked Exhibit "A".
4. The account that is the subject of the instant matter may
have been either a First Deposit National Bank account or a
providian National Bank account. As of January 1, 1998, Providian
National Bank was merged into First Deposit National Bank and the
resulting entity took the name "providian National Bank".
5. Defendant, upon acceptance of Plaintiff's credit account,
agl-eed to be bound by the terms and conditions of Plaintiff's
'-'f~__-~'''''' "'"
FFim1
MRNTZ & RSSOC.
TEL: 215 348 4L~15
UCT.27.1998 12:32 PM F-' 5
STATE OF CALIPORNIA
COUNTY OP AL.AMEDA
HEA TH~.flKQOAEM~~. .
Ht.il.U,r.; that: nhe/he is the Designated
Agel'1t of PROVIDIAN NA'J'10NAJ. BANK and:i:; author',i,zed tn take this
affidavit on ,to beh"lf ~nd t.hal
the racts set. forth in the
f.oregoing compl.ai nt. an.' t nl<". and CCl):':r.oct to the bef;t of her
i.nformati <:m, knowledgp.. and bpl'j et; that lllL'J:'o is now due and owi.ng
from Daniel L. Ruben
th" mllll of $7,265.77 plut; inl:ercst and
attorney fce.s; and L.hat the] '., ~n' no deduct.i ons or offsets of any
ki.nd, except as are therc'i... "Iweit ied and credi ted. she f:urthcr
understands that falsc flt.i'lI..P.H1L'lltU 11Iade herein aTC subject to t.he
penalties of 18
Pa.C,S. Seell.on
relating
t.o unDworn
1\ 904.
falsifieatj.Oll to aut:bori t ieB.
, /
~ V'
.._ . ,rdt~Di~.f}JJ
Ve'<1 qna ed Agent '-j
4428002670608415
I~ IT;(f F- ~./\ rJim
,n NOV - a 1998
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J~~ROYIDIAN
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Provld,Jf1 N.:31lonal Ban;'; VISAi!l or MaslerCard@Account
I\\:count Aqr,~{!rl1enl for O':lnl(!! L Ruben
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Please rp'vlt~W this dl..xumenl Jnd ~(~'_'P It wilh your olhe; Important pap('r:; Il1ls Accounl .A.gf0emenl ,,:onl<Jln~ tl1l,l tr.!fIlS 'Nhli:h 'Jowrn '(our Pr-::;vldl,m r hlIiQI1i)1 BJn~. VISA or MaslerCard ,\c(1)un\
(Ihe 'Account') The f~CCOUl1t :Iilcws Yi)U to ma~.C' purch.1::'C';) by using 'leur VIS/\ or M,l:;lerCar,j c.::ud lIfle "Cal,n whelevi'r Ill:;; hOfl01C,j Jnd 10 'lei ca:;h aCv.JnC\1:: frClffi u-.; or allY other patllelpatlng
frnanclalln~lIlutIOf1 Jnd trom i',\J1CmJted f '_'IIt:!I MJchmcs COnVCllICI1Ce cheCK:;; m3y al:;;o be provided to you a';) an additional NJy to us,' 11le Accounl In 1)1,5 Aglcemenl, .you' and "your' mean
each pefson tor whcm v..e have cpened i1 w:>oll card ll,ccouf11 "We" ;ow' 'our:;. and "us' mean ProvldlJn Nal10nal Blink or II:;; 3sslgnee:; .1S II';)h;d on your billing :;latemenl The ,\ccount may be
used oniy for personal flintily hou~chold and cflarltabl~ DlJrpQ:;!:'$ and nol for .:my bU:ilne:;;; Qr commer,:lal purpose ;.,ny u:;e 01Ir'l~ ,\cmunt ~,tlJII cc,n:;;lllute acceptance of Ih~ terms 01 IhlS
Agreemenl 'fou 3M Wt~ agret> a~ tcllows
Payments. You will !ecelve a mOnlhlY ~laU:ment snowl!1g your outsl,lIldlrll} Ui:lidl1Ce PdyIllCIl(ll!l Ihl:; AC~vunt ,~ 'cqu,r~d ,n l..: S dc:i,H::; ;.:~,cr.k:; mu:~ be p',.'::b!e at a U S o:offlcr I)f It,P b':lf1k tilt>
check IS drawn on) lor atlcn:llhe paymenl due as shown on your ::;lalemenl by lne payment due Ijate Ir: accordance Wllh pa,'ment Ifl:;;lrucllon~ on your monlh:'{ stalemenl Convemence checks
and other checks we l::isue 10 you may not be u::ied to make paymenls on your Account or to mJKe paymenl: on any Cother CJCCOUi1t you ~lavE wllh us 01 our alflliates The paymenl due Will be 2%
of the new balance shown on your <;;tatemenl (or 2 2% II an Annual Percentage Rale applied 10 your Accounlls higher lhan 21 9%) piu: the Jmounl of any pasl due paymen1. plus lhe amount by
which the new balaf1ce exceeds your credlllme However, the payment due Will not b'? less than S15 (unl.~S$ your new bal,mce IS less than 515 In whiCh case the payment due Will be ttle amount
of the new bal!;lflce) If your Account IS pa~t due or above lhe credit line, we may require a higher mmlmum payment. but we will nOllfy you before dOing so If your payment IS more than the
payment d~e,11 Will be treated as a Single paymenf and none of It Will be applied to fulure payments due We may accepllate or partial payments. or payments marked 'pald \11 full" or malked With
other restfJctlons Without lOSing our tight to collect all amounts oWing under lhls Agreement
Credit RevIew: Speclal Requirement. In ordelta keep your Account In good standing, you agree not 10 s;gnlflcantly Increase lhe amount ot your 10lal debl on unsecured revolVing acccunts, We
Will review your Account and credit profile regularly 10 evaluate thl~ amount'l!ou owe relative to the amounl of your Ihen current Income (We conSider an Increase In debt of more than 52.000 to be
Significant, unless you have suffiCient :ncome) If we determme that your Accounlls not In good slandlng, your ANNUAL PERCEtHAGE RATES (APR) for purchases, custom cash, and cash
advances may be Increased
Finance Charges, Except as desCflbed In the Grace Ferlod for Purchases seClIon of thiS Agreement. finance charges begm to accrue on a debit when It IS mcluded rn one of your dally balances
and continue untrlthat balance IS reduced by a payment or credit Your Account has three balanc€.s the Purchase 8alanc~ which consIsts of purchases you make With your Card and fee,;; for
et'llam optional services the Cu:;tom C<lsh Adv<lnre BfllanCi~, which con51sts of balar,ces thaI you transfer to your Accounl uSing balance lransfer Checks and balances thaI we transfer for you,
and the Cash Ad-Jance Balance which consists of all other CJsh advances Any payment amounl we receive that exceeds the fi!1ance charges and fees then due Will ordlnarrly be appllt:d (jrs/lo
the Balance Wllh the lowest Annual Percentage Rale (APR), untlllhat Balance IS zero, and then to the Balance With the nextlowesl APR, unlllthat Balance ,s zero, and then 10 any remaining
Balance We reserve lhe nghl to apply payments differently wlthoul further nollce The Purchase, Custom Cash Advance, and Cash Advance Balances are reduced by paymenls as of the dale
lecelved, and by credits (exceplfor reversals of late. over.llmll, and ml::cellaneous charges) as of the date posled Purcha~es are Included In your Purchase Balance as of the date made Custom
cash advances ale Included In your Custom Cash Advance Balance <is follows flmds electronically transmllled to other lenders to lransfer balances, as of the dale lransmllled. che.:ks to lransfer
balances as of the oate presenled to us Other cash advances are mcluded In your Cash Advance Balance as follows cash advances from other fmanelal mstltutlons and through Automated
Tellers, as ot the dale made, c3sh 3dvanre checks made payable 10 you that are Idenlliled as cashier's checks and mailed to you at your requ(!st as of seven days alter the dale we prm! on the
ched;, all o:her chec,;:;, as of the d3te presented 10 us Other debits (excepl for lale, ever-limll, frnance and mlscella~eQuS charges) are Included In your Purchase Cuslom Cash Advance, or
Cash Advance Balan.:e a:;; of the cate posled Finance charges are added to your Purchase, Cuslom Cash Advance, and Cash Advance Balances each day and are then posled on lhe lasl day of
the billing cycle! There IS n,) grace penod for cuslom cash advances or olher cash advances
To figure lhe dally frnar:ce charge for each lype of Balance, we stalt With youl prevIous day's Balance, add all debits and :.>ubUacl all credits for the current day and muillply It",e net amount by lhe
appltcable dally perrod'c ri'.le (see follOWing paragraphs) Hoe finance charge for each lype of B<1lance IS then added to and rncluded In that day's Balance We treat a credll balance for any day as
zero We delermlne lhe lotal fmance charges on balances for lhe bdllf'lg cycle by adding togelher lhe fm~l~ce charges for each type of Balance for each day Within the biIImg cycle In r.alculallng
finance charges, an adlustmcnt wl!1 be made for any transacllon or payment that would have affec:ed lhe finance charge calcuiat,on In a pnOf billing cycle hild 11 been posled In that cycle The
applicable dally peflodlc rale for such a transacllon Will be the rale In etfec! for the current billing cycle ralher than the rate In clfect on the date of lhe 1Iansacllon
YOllr sta1emenl Includes an average dally balance fOI each type 01 Balance You can multiply each average dally balance (hal 10;; nol zero by the number of days In lhe billing cycle and the periodiC
rate to oblaln sublolal:.>, and then i'ldd the subto!::!I:; logether 10 dele;mme your total fmance chalges on b81ances for the blllmg cycle If a cash adVance lIansacllon fee I:; charged, lhat amount IS
aisoa fmance charge
The term .Pome Rale. as used rnlhe Agreement mean':i the hlghcs! prime late published In the Wall Street Journal on ltle first blJsmc:.>s day at the prevIous calendar month Ar,y Increase or
decrea:;;e mlhe Annual Percentage Rate wlllla~e eHeel on lhe flrsl day of your blllir,g cycle and m3Y resullln a slighl Increase or oeClea:ce In lhe amount of youl m:nlmum p.:.lymenl
The ANNUAL PERCENTAGE RATE (APR) for purchases WII! vnry and may be adlusled each billing cycle up to 615% above Prime Rate bu~ willm no event be less Ihan 139% USing lhls
formula, the APR for purchases rn the October 1998 billrng cycle IS 1465%. correspondrng to a dally peflodlc rate of 0 04014%
The ANNUAL PERCENTAGE RATE ~Ol cash advances IS 21 9%, corresponding 10 a dally periodiC rate of 0 06000%
If you do r"lol compty wllh the terms of lhls Agrceme"t your ANNUAL PERCENTAGE RATE 'for purchases Wilt be 18 9%, corre~ponalng to a dally penodlc rate of 0 05178%, and the APR for cash
advances and custom C25h advances win be 23 9%, corresponding 10 a dally penodlc rate of 0 06548% Your Account may be eligible tor the lower regular APRs after you have melthe terms of
thiS Agreement for thlee monlhs If you contact us we Will review yoU! Account to detemune your eliglbllily for the lower Af'JRs
Grace Period for Purchases. New purChases posled ,\0 your Accountm billing cycles wlln no prevIous baiance_ or when the prevlcu$ balance was fully paid dur:ng lhe cycle, do not begm to Incur
a fmance charge until the s1311 ot the next billing cycle You Will pay no 1In3nCe cnargl': on sucn new purchases If you pay llit! lvldi rlew t...JiJi,C~ Ii, full by 1M pJi:7,Cr,: d:..:c ::::!c ~h::w:-: Crl ,c:..:r
statement New pUlchast'':i posled 1!1 any 01 her billlfYJ cycle Incur a finance charge, Jnd lhele IS no pHlod m which such purchases may be repaid wlthoutlncurrmq a fmance charge
F~s. We .....:11 charge your ACCQIml up 10 529 for each Cald yc,u (j:;k us \0 leplace each relurned payment check, ,=JCh checr.. you Wille on your Account lhat we relurn unpaid each SlOP pa,'ment
order or renewal oj :;;u~:h an order, each blllmg CI'cle wllrlln 'which you: Account ,:; delinquent (1;;le chDrge), (jnd eaCrl bdhn9 cl'::le Within which you~ balance exceeds yOur credit line, even If l'our
Account IS closed If you r('que~l caple:;; of billing slalement~ that were flrsl sent to 'l'OU mOle thi):lthree monlhs earlier, we may Charge a handlmg fee of 52 tor eJch SUCtl copy A cash advance
fee of 3% (mlf'llfl'lum $5) mJy be cr,a:ged for eJch c3sM advance tr.3nSllctlon made on your Account
Default. You Will be If'l delJult If any Informatron you p~ovlded us proves 10 be Inco~plele or untrue If you do not comply wllh any pari at tM Agleemenl, upon your death, barkruptcy, or
lf1~olve'cy If you 0.) not pay olher df!bl: wflen dUl~ If a b3i1i\ruplcy petillonl::; filed by or ag.1m~l yeu, or :1 we bl'lleve m goo'j f3lth th3t you may not payor pt'r10rm your obligations under :hl$
Agrf:>ement If rov are In default we ma'y' wllhoulturlher demand or noll(E', cancrl your credit priVilege$., declare yOllr Accoun! balance Imrr,ed;3tely due Clnd paY3ble_ and use any remedy we may
ha,'c In the evenl of Vour (j{>tau1T, the out~t,1ndl!1g balance on your Actounl shall continue 10 accrue Interest at !l1e A,PR(~;) d:sclos('d 1111he Finance Charges ':,;(>(':llon of thiS Agreement even If
we have filed SUit to c:'.:1llect thf' amount YOll owe
Crtdit Line, YOUI C!E'd;l lif1e IS ;-,peohed !rom lime 10 llmc- in a ~-,l~pJI:j1C nollce We :T,:]y InCleJ':.(: orOl'::C:JSI? ,'OUI C'<."jl! h~e t'J~t": (,n Infcrm3110n we obl31neC 110m ye-u or youl creel:t records
Your 3V~IIJble Cle.;.lil ,!, no<mally lrl€, cliller(>nce belw('~n your CIE'O:t line and yOUI Al'count bJl::mce (Ir1CIUdil1q l:a!1~3c110!1;; ma,je or JuthQrl:'l,j t'ut not yet p0$led) ;1 you ~,;nd us 3lar(:1e pa~'ment
chect" we may limll ~'OUi <.iv3i1.'1ble crE'dlt while we conf,mllh<11 the ch~ck Will cl(',)r ror certain 11.:l!1SJCtIOI)S, available crrdll mal,' b€ I('~s You w;1i not U~l' your Accounl f.::)f and we may refuse to
hOrlor Jny If&n:;ac\lCln ....hlch ,,"'ould cause you :0 e~c{'f;d your JV31Ial:Je CIE',jlt
Promise to Pay. "'0.1 p;oml~-,r~ 10 pal' u::. wt,en dJe all fim~lu-,ll:; lXirlOWl<i Wht:'fl yuu or ::;cJmt~o"e eb? U:;t' ','Oll! kcounl (('ven If :tlt! Jrnc':.JI1I cr-,2ir,ed ,~xree.j~; your pem,c,lonj,;]1I OI!K'l
Iransac1,lono:. and d'1319('~ 10 1',)111 Accounl lln(! coll('( tIor, (':1~,1~; '/II'" Ineu! If\ciudlfl:l but fK,1 hrnl\e.j k' \',':-1-o':>II:1ul(" "tk,rn'~y',:; f(,t'~,'l;n~ C,')\Jrt c(':,I~ (If yO;,I .....In the :curl we will pcy yourlcasonJoie
oue,me,,'$ !pe:; an: t~~J~t ro,-,t )
Changcs. Mll'l we ,'::\,'d., 'Il'.j d"!, 1\(,lIc(: rt']'.,I~l'j tv I;;....,.,.", ':I,j', '~',lll')i' .\11\ f);rt :." :h:, t\'lT\'Vl"!lt'l:t :ir:j :,I"j ,:)1 !,"r.,'",\' 't'J:.;"'r!'f'111',' 11;~ nj.ln:~I' 1:: InaJe ~c' \t1e Finance Ch2lrgcIi sl!ctlon of
Ihl~ ,Aglt't''!1ent I~t' nc.... hrl.3llCt' c~:jl ~w (':li,~\j:.-jli~'~ wi!: ;l~,;,I\, I:' y\:O\J1 \':ltl~\' r'\C'~l-',mt ~:-~1I,lc;~" I!.:rn :h" ,:1, ," ~I\;' 1:",,:,t ~t",' '-: r,:J~{ll< 1'0'11: :Jpr,I'\' 1:, b;)I~11~t',' IL,JI ~n.('!!,I~!~~.;!~:-:.I'C:~J\..'.Q.!.Q~!!..
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Foreign EHh;mgr,/Currenc-y Convclsion. I' I"il ,;'.'C \>',,' ll,~ I,,! \~,1",'J I" ,1'- ,;1" '1-, ,t'".' :1, ,r, l.' :', ',," ~",,,:, ",;II h (.y'\'.-.r','j 1,,' ,.1 ::: j)I.,w, '>':1(,r"I', 'J~:1!1'~ eith('r:~ (I)
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P~rr.l)n:illf'lfolm;hlon; OOCllmcllt~, y~u wl~1 prcvtdc u:; J1 "e:l'.;! 1(. :by'.i r0!~C" of Y(\\1 ch;'tn1P Y"'!1f r1;'1ffl" h()m.~ Of l11~tdm(j :ld'1r(",', l(lll)(,hon.' nlJn:t!~ls !~tIIllIU','I11I!rtt ,)1 L:lConw Up'."n 'our
request. you WIll provide U:; Jd.Jit.0t131 flnanci.11lnformJllon We l!.':;erv(> thl! r'GIll 10 tbt<11n InfGlmallcn from 01tWI'; InChJi11nfl ;.r"l1,t f,'r,0rhnq ,)"l~nCII'~ ;H~1Io r:.r01/ld'!l(1J! ,l(:l,lfl~~:; ,1nl1lnl0llllJtloll
iJbout youI Account 10 other:; yt..'~...mJl.L,mQ..1!!il.rfJ.ru.ormi111(\.!:!~!!L9.ur lflllia~~~ f:!!;~::'v~'~.'y-,-1_'_j_~:J~_.w.r~('..!\,-~)~_; .,' II Jl!1'{ tl~,:~n_S1.rW.liIY.l.lr ,!','; tJ')..:::t_l;u.':_~f':.'~i.'J,,:I_~!'>!!:.1;1_tl~'D.tor~1tU:.IJr....:1!NI\l.t('~" ;1 VI)IJ
do nol fwllll! your obligations under ttH:; ,Agrel:!m~nl. 3 fh!l}ltIVl' r;re\1It [(,pllll :ll,l! may' ~e!I(>st (;n yOUI Cleljll rll;JV t'!~ '~ut'rlllttL.(j ki Uk' ,:r",:1.t r'::~"~r:lnr; Jl;t'n'I';';
Customer Service; Unilulhorlzed liiC. Loss. or Theft of Checks or Ihe Card, EJCh '::lrd mlJ:~t ~)!> ',;IIJlled liP rl~CO:'T,t YIJIJ :1r.~ r':::PJnSI~,tp (\:,1 ':l!(~qll;lr(~Il\rllll!.' C;ll'l y,~'ur I ','r','lf1:JII,1er1hflcal!c,.n
Number ("PIN", which provide:; acces=- to Automilled T e11.]r Milc~lIne:;) :md :JI~'II;h..'d.': 1':;":,UI"j It) 'i"l1 h,:rn Itl.::,tt 1111l """~,'111'l V')I,r :.Ir I ',Q\:1I.1I(' \',:1'1 F;tjl Car,i If V"'U dl~,,:'jv..r pr ~;jJJr:'~Clltl:11
your C<lId PIN, or any unu~(!d check~ are 10$1 Of slolen or IhJl 111'.'rf: may t,~ Jf1 UIlJu!ll(,rl:\',1Ir;JI1':a,;!:';'[\ ,;.n,";Llr :,,(.(':'I,r,1,"11 ....ill ;:r,:m,::,t:'i IlI'illy ',:, by ~:;lIrll1'l 1.800.933.7221 ~),) W'~Glll
Immediately :.Icl 10 Iimlllos~es 3nd liability you Will phone u:; even though you rWJII .11:.0 !1'Jlif'i IJ~ :1\ wr1t1l1jj r 0U1 II.:ltJlllly I::',r \l1\l!;t~1W;f,(j 1J:,\~ '>~:I.rr'nll t.,t'ld" Y-(lll nCI!lfy IJ'j IS 1111111\><1 to ~50 If you
r('por! or we ::;uo.:rX'Cl unauthOrized us~ of your Accounl Wt! lfiilY :;u':;c'cnr.l fC'ur ';ldil r:;INI:l,qI.;S 1,11111 '10".' I':'",,'.IIJ"-' il:t~ r,lct.k-r:l i"; ,',lIr .~,I:;':,f:lC:Il}f~ ,y ,~:,I.e .r')iJ J n,'W C,lJd I! '{(I)! Cllr,j I:, ICi~l ,:,r
slolen, you WIll promplly deslroy all cheCKS In your pO:i~e'.i::;lon To ImplOve Cll::;!Ofntlr ~,e'VIC(! :lOlj St~CIHlly 'IoU ;\(.If'~'~ illJt yOUl (,111:; IlldY ril' mOl1ltorw:J cr r('(Qf(J,'d
Merch.lht Relations, We Will nol be hJble If any pels.)n or '\,utClfl1Jh:d T cHer f"l:1r.hu,e reiu:;cs I,) h,')l1or HI'..! C .ll,j , ,r :lCc..:~I y0111 r.t",C~r ~ ,:,r f;jil'j I,,' r'.'tuln nl,1 (;;\1<1 10 you We ha~(' no r(>~pl)n:;lblhly
fo! good:; and :;ervlce::; plJlcl1a:ied wlItllh0 Card Of checki e>cepl as 18GI!Ued b',' l;'jw (S'':0 S~t'(IJI Rl.ie b\'luw I ,j'fl,'Jin t",,':'\,1:. :11.11 :l!("IV~lll:Jt.,I\' ....111: lt'l' I\r.r:ounl ill',' rll,iVllj('d by UlI!'.i-paQy
vendols We alp. not re,:;ponslble tor 1I1e qUJlllY, aVllllaDlllty or rc::;ul1:; 1)1 any ,.)! \ll'~ ~f~f\lICeS y')IJ OI.)O'J' trJ 10'
Stop Payment Ordcrs, II yOll WI:;tl 10 510p payment on a cnec~ you nldY ~c!lJ UJ J Jk.,p p;j,rTM,: 0rd,,1 t"y''''';i:,r,~:~ \>:,11 ;'jL;1 ,~C::;',~;:~, fel ::.J-:;Ic,~',:~ SC:r',,:,:'~ I'~!'~'J r.'n y01J! ~1.11('mi'!\1 YflU r:an
make i1 SlOP payment order orJlly by calhnq Ihe number lis led on your statt!menl V'ihen you mil~,(; 3 sl,:,p payml:r,l Gr~el y':'1J mu",t tJf0vl'je your flcCQI.nl numbel ~Jnd 'jp~cillc Inlormatlon ilboullh~
check the exilcl amount. the dJte on the cheCK, the name cl the party 10 whom II wa5 paY;:lDIC thi! name 01 \tIe pf:f'Jorl....ho ':ilgl1cd II ,i"d lhe cr.e-:r, number You Will b(! ilslH~d 10 confirm an oral
slop payment order In Wlltll1g 'tie mav dlsreoJnj vow or~der If WE' do nol rl'!t:f'lve a ';1(Jned written conflrm.1110n Within lwo we"~;; ,lft~Jili;.NJI')!'~f! or If we have nollecelved all JJequale
desCllpllon of the Ilem $0 th3l paymenl can be stopped Tne order wliI ncl be etlecllve If the c!leck wns paid by u;:; Defore we had a reasonJble or,portullity to:]ct on ttll:! Qrdcr We may, Without
hablllty, disregard a wrltlen stop payment order SIX months al1er .ecelpt unless 1115 renewed In wilting
Slandilrd of Carc. Because thiS Ar.counl Involves bOlh credll card and check lransactlons wtllch are proce:;sed lhrough 'Jepi'Ha1e nallonal systems before ttle Irilnsactlon~ are consolldaled by us
and because not every check and Card slip Will be senlto us, Iransacllons In your Accounl Will be plOcessed meCtl31llc311y WlttloUt ul.r nf:cessarlly levlewlng every 11C(11 Our prvceSSlng syslem Will
call our allenhon to certarn Items which we Will examme We will e~amlne all transactions when you leport Ihal your Card or checks have been lost or stolen We do nol ,nlend Clrdll1anty to
examine allllerns, and we will not be negltgenllf we do nol do so ThiS rule estabhshes Ihe standard of ordinary C31e \v~Hch we In good fallh Will exerme In admlnl~terlng your Account Because
of our IImlled reView, and because neither your cancelled checks nor Card Ir3nsactlon slips Will be returned to you With the monthly 'Jtalement. you should be careful to enter all checks In your
check register or otherwise keep a record of lhem, You should also save ycur credit card cash advance and purctla;:;e sliPS You acree 10 cherk your month Iv slalements aaalnst 'lour record and
to noliN us Immedlalelv of any unaulhoflzed transactions or errors
Willvcr of Certain Rights. We may delay or waive enforcement of any prOVISion 01 this Agrep.menl Without Ic'sll1g OUI fight to enforce 11 or any olher prOVISion tater You waive the IIghl10
presenlment, demand, prolest, or nohce of dishonor, any apollcable slatute of limitations, and any light you may have 10 require us to proceed agamsl anyone befere we file SUll against you
Applicablc Lilw; Sevcrablllty: Assignment. No matter where you live, lhls Agreement and your Account are governed by federal law and by New Hampshire law, ThiS Agreement IS a final
expression of the aglcemenl belwt:en you and UG and may not be conlradlcled by eVidence of ony Jlleged oral Jgreemenl If any prOVISion of thiS Agreement IS held 10 be Invalid or unenforceable,
you and we WIll consider lhal prOVISion modified 10 conlolm to applicable law, and the reGl of the prOVISionS In ttle ,A,greement Will stili be enforceable At any time aller we determine In good faith
thaI any proposed or enacled legislation regu!alory aclion, or ludlclal deCISion hJS rendered or may render any mateTtal prOVISions of lhls Agleemenl invalid 01 unenforceable, or Impose any
Increased lax. reporlrng requllemenl, or other burden In connection With any such prOVISion Or ItS enlorcemenl we may after at le3s130 d3YS notice to you or Without notice If permitted by law,
cancellhe Card and your Credit prIVileges We may lran:;ler or assign our ((ghl te. all 01 some of your paymenls It stJte law re~;';lres Ulat you receIVe nollce of such an evenllo protect the
purchaser or assignee, we may give you such nolice by filing a flnanc:ng stalement Wllh Ihe stole's Seclelary of Slate
Notices, ether noltces 10 you shall be effective when deposlled In the mall addressed to you al the addless shown on our lE'ccr6s unless.:3 longer nollce p.;rlod IS speCifIed In thiS Agreemenl or
by law, which penod shall St3r1 upon mailing Notice to us shall be mailed 10 our address lor cuslomer service on yeur sta:emeflt (or other addresses we may specify) and sh311 be e!fecllve when
we receive It
YOUR BILLING RIGHTS .. KEEP THIS NOTICE FOR FUTURE USE. ThiS n011ce contains ImpOrlanl Information ab0ut your f19hts Eind our responsibilities under lhe Fair Credll Bllhng Act
Notify Us in Case of Errors or Questions About Your Bill. If you lhlnk your bill 1$ wrong. or If you need more ,nfOlmJtlcn about any transacllon on your bill, w~l1e us, on a separale- sheet, il~ our
address for cuslomer service listed on your bill Write 10 us as soon as pOSSible We musl hear flom "iOIJ no 131e, 1han 60 Clay,:; aller we sent you lhe fnsl bill on which the error 01 problem
appeared YOIJ can telephone us, bul dOing so Will not preserve your right, In 'lour leller give us lhe follOWing Information ,. ":'our name and Accounl number .. The Clolt8f amounl of lhe
suspected error __ Descflt'€ fhe ermr and explain, If you on why you believe Hlff€ IS an error If you ne02d me,rt' mforrr:ailcn:Je'.:crlbe lhe Item you ;)Ie nol sure aboul
Your Rights and Our Responsibilities After We Receive Your Written Notice, We must acr:nowl('a!~e YClur I('Iter WI!!ll" 30 '::3YS unless we have corrected Ihe ellor by Itlen Wlttlm 90 days
we must either correcl the error or explam.....hy we believe the bllll'.'JS correct Atter we receivE your let\tr. we car.r,:;1 try \0 collect any amount you ql;estlon, or reporl you aG delmquenl We can
contrnue ~o bllt you for lhe amounl you quesllon including finance ch3rges and we can apply any unpaid amount iJ~pmst your crf.dllline You do not haVE:' 10 pay 3n)' questioned amoun\ while we
me Investigating. but you are sllll obligated to pay lhe palts 01 your bill thaI are noi In qutS!ion
If we find Iha! we made a mlslake on your bill. you Will nol have ~o pay any fmanee charge lelat("~ to any qut':;;tloned amount It we (Mo't make a mistake, you may have to pay finance charges,
and you will have to make UP lhe missed payments on ~tle questioned amount In either case. we will send you a s\alemfnt (,f t("-,€ amounl you owe and the date that 111$ due If you fail 10 pay Ihe
arr.ounl we lhlnk yr.'u owe we ma:"r report you as delinquent However Jf our explanatIon does not saldy you J:<:J you .....n1e to us wlthm10 days teltmg l.:S that you sIll! ,efuse 10 pay, we must tell
aflyone we report you \0 Ihat you quesllon YOU! bill ,A,nd we must lell you Ihe nalTle of anl'one we !epc.rI~d you to Wi:: must te:: anyone we report YOIl 10 lhallhe maUef ha:; been senled between
us when II finally rs, If we don't follow these rules, we can'l collect the fusl S50 of Itle que~Ilonej <:lmounl, even It your bill was correct
Special Rule for Credit Card Purchases If you have a probtem wllh the quall!y ollhe property or sel'lilces thC!l you putCha~ed wlltl our crealt card and you have tried In good l31th 10 cOlfcel the
proolem With the melchant you maY not have to pav !hc remaining amount due en lhe goods or ~trVlces There are Iwo IImlla1l0ns on thiS ngtlt (3) ~'ou must have made thl? purcha~e In your
home slate. or II nol Wllhll'1l'OUl home slate, Within 100 mlle~ Of your CUllent ::1aliln9 addreSS <lT1d (b)lh(> purrk,'>' rflce must have b('en mOle lhan S50 These limitations do nol apply If we own
or operale the merchant, or It we mailed you the 3aver!rsemenllor ttle prope~!y or :;ervlces
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VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
PARK LAW ASSOCIATES, P.C.
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK
Plaintiff
VS
DANIEL L. RUBEN
Defendant
I HEREBY CERTIFY THAT THE
TRUE & CORRECT ADDRESS IS:
PLAINTIFF: 4940 Johnson Drive
Pleasanton, CA 94588
DEFENDANT: 125 Andrew Court
Carlisle, PA 17013-4375
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
NO. 98-7148 CIVIL
PRAECIPE FOR JUDGMENT
TO THE PROTHONOTARY:
Please enter Judgment in favor of the Plaintiff and against the said
Defendant for failure to plead to the Complaint and assess the damages as
follows:
AMOUNT OF CLAIM
PLUS ATTORNEYS FEES
LESS Amount paid on account
PLUS Interest from 09/29/98
to 02/01/99
TOTAL
$7,265.77
$1,453.00
$,00
$544.93
$9,263.70 PLUS COSTS
I CERTIFY THAT THE FOREGOING ASSESSMENT OF DM~AGES IS FOR SPECIFIED
AMOUNTS ALLEGED TO BE DUE IN THE COMPLl\INT AND IS CALCULABLE AS A SUM
CERTAIN FROM THE COMPLAINT.
I certify that written notice of the
was mailed or delivered to the party
entered and to the attorney of record, if
intention to file this Praecipe
against whom judgment is to be
any, after the default occurred
~..:~.J~, _ ._.........
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and at least ten (10) days prior to the date of the
Praecipe. A true and correct copy of the notice pursuant
Rule of Civil Procedure No. 237.1 is attached hereto and
filing of this
to Pennsylvania
marked Exhibit
,', ,_, .'.;' '~;~.r^,?~",,",:~'"4'H_"~_':'l_!~n:)I;;~~!\~;,~,ifi"'~>1'1l~~' jf:.~~~"l$;';1IV';r~' tt ~..
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VAL'RIE ROSENBLUTH PARK, ESQUIRE
ATTORNEY FOR THE PLAINTIFF
AND NOW,
entered favor of the Plaintiff
want of an Answer and damages
above certification.
, Judgment
Defendant by Default
sum of $9,263.70 as
is
for
per
,
and against
assessed at
the
the
PROTHONOTARY
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED
THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO COLLECT A DEBT.
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
PARK LAW ASSOCIATES, P.C.
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK
Plaintiff
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
VS
DANIEL L. RUBEN
Defendant
NO. 98-7148 CIVIL
NOT ICE
Pursuant to Rule 236 of the Supreme Court. of Pennsylvania, you are
hereby notified that a Judgment has been ent.ered against. you in t.he above
proceeding as indicat.ed below:
X Judgment. by Default
Money Judgment.
Judgment in Replevin
Judgment in Possession
,Judgment on Award of Arbitrat.ion
Judgment on Verdict
Judgment on Court. Findings
IF YOU HAVE ANY QUESTIONS CONCERNING TI-lIS NOTICE, PLEASE CALL:
Park Law Associates, P.C. at this telephone number: (215)
348-5200.
PJWTHONOTARY :
I ~-
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PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ,-~iT S REQUIRED
THAT I'm STATE THE FOLLOI~J NG TO YOU: Tll1 S J S AN ATTEMPT TO CO / _CT A DEBT.
ANY INFORMATJ ON OBTl\lNED \~lLL BE USED FOR THAT PURPOSE.
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-
VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
PARK LAW ASSOCIATES, P.C.
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK
Plaintiff
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
VS
DANIEL L. RUBEN
Defendant
NO. 98-7148 CIVIL
VERIFICATION OF NON-MILITARY SERVICE
Valerie Rosenbluth Park, Esquire, being duly sworn according to law,
deposes and says that she will make this affidavit on behalf of the within
Plaintiff, being fully authorized to do so, and that to the best of her
knowledge, she believes and therefore avers, that Daniel L. Ruben,
Defendant, is over 21 years of age; that his/her place of residence is
located at 125 Andrew Court Carlisle, PA 17013-4375, and that he/she is
employed and that he/she is not in the Military of Naval Service of the
United States or its Allies or otherwise with in the provisions of the
Soldiers and Sailor Civil Relief Act cf Congress of 1940 and its
amendments.
Valerie Rosenbluth Park, Esquire, further understands that false
statements made herein are subject to the penalties of 18 Pa.C.S., Section
4904, relating to unsworn falsification to authorities.
1/1 ~.-
VA~~IE RO~LUTH PARK, ESQUIRE
AT"fORNEY FOR PLAINTIFF
PURSUANT TO THE FAIR DEBT COLLECTION PRl\CTICES ACT, IT IS REQUIRED
THAT WE STATE THE FOLLO\'lING TO YOU: THI S IS hN hTTEtlJPT TO COLLECT A DEBT.
l\NY INFORMATION 013Tl,INED \oJILL BE USED FOE TIU\T PUEPOSE.
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VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72904
PARK LAW ASSOCIATES, P.C.
25 East State Street
Doylestown, PA 18901
215-348-5200
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK
Plaintiff
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
I:
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,
; .'
, ,,<" ~"':'; ~~':"""'.-~"IJ:'~-' ~.l:.'_. .:' ".:-',:' ") __~I.~A")~'~~:_;-", ",J" ,.-;-1.',_,., ,..:..~.... ,'. '. ~,'.,.:
VS
DANIEL L. RUBEN
Defendant
NO. 98-7148 CIVIL
o R D E R
AND NOW,
this
of ,/..,-'-
I
Motion to Compel
Answers to
/I' day
1999, upon
consideration
of the
Plaintiff's
Discovery in Aid of Execution, pursuant to Pennsylvania Rule of
Civil Procedure No, 4019, it is ORDERED that Daniel L. Ruben
serve upon PIa inti ff full and complete answers to Plaintiff's
Interrogatories in Aid of Execution and Plaintiff's Request for
production of Documents in Aid of Execution within twenty (20)
days of the date of service of thlS Order.
BY THE COURT: /
/
/ .,
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J.
VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
PARK LAW ASSOCIATES, P.C.
25 East State Street
Doylestown, PA 18901
215-348-5200
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK
Plaintiff
CUMBERLAND COL~TY
COURT OF COMMON PLEAS
I ~,~
", '~,", I"' . .~~.-',,- .._,",: H....~:.,. ~:' ,\,'1" :"r..... _'.. " ,; ',', ','.' '~1, ~,' .'
VS
DANIEL L. RUBEN
NO. 98-7148 CIVIL
Defendant
MOTION TO COMPEL ANSWERS TO DISCOVERY IN AID OF EXECUTION
The Plaintiff by its attorneys, Park Law Associates, P.C.,
hereby moves this Court to enter an Order pursuant to
Pennsylvania Rule of Civil Procedure No. 4019 directing Daniel L.
Ruben to serve upon Plaintiff full and complete Answers to
Plaintiff's Interrogatories For Discovery of Assets in Aid of
Execution and Plaintiff's Request for production of Documents in
Aid of Execution, as more particularly set forth in the attached
Order or suffer such further sanctions as the Court may enter and
in support thereaf avers as follows:
1. That on or about 02-08-99, a Judgment was entered
the Defendant, Daniel L. Ruben, and damages were assessed
sum of $9,263.70, plus interest from 02-01-99 and costs.
against
in the
2. That on 03-12-99, Daniel L, Ruben was served with an
original and requisite copies of Plaintiff's Interrogatories for
Discovery of Assets in Aid of Execution, A true and correct copy
of the Interrogatories ;:lre ;)ttachc~d hel"eto, made a part hereof
and marked Exhibit "A",
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3. More than thirty (30) days have elapsed since service of
Plaintiff's Request for Interrogatories and Defendant, Daniel L.
Ruben has failed to respond to the said Discovery all in
violation of Pennsylvania Rules of Civil Procedure.
4. As of the date of this Motion, the J'udgment remains
unpaid and the plaintiff verily believes and therefore avers that
without Defendant, Daniel L. Ruben, responding to Plaintiff's
Interrogatories in Aid of Execution and Request for Production of
Documents" no payment by the Defendant will be voluntarily made
to pay the Judgment; and without proceeding with the aforesaid
Discovery in Aid of Execution, the Plaintiff will not have
sufficient knowledge or information to execute upon assets of the
Defendant to pay the Judgment as entered against him.
5. For the foregoing reasons, Plaintiff verily believes and
therefore avers that in the absence of a Court Order pursuant to
Pennsylvania Rule of Civil Procedure No. 4019, Daniel L. Ruben
will not r'eply to Plaintiff I s Discovery Requests.
WHEREFORE, Plaintiff respectfully requests
Honorable Court enter an Order in accordance with
Order which is attached to this Motion.
that Your
the proposed
Respectfully submitted,
PARK LAW ~SSOCIATES, P.C.
1 ~~-
.~
BY: ,
VAL~~IE ROSENBLUTH PARK, ESQUIRE
Pursuant to the Fair Debt Col lcctions 1\ct, it is required
tha t we state the following to you: Thi s ,1 S an at tempt. t.o collect
a debt. Any information obtained will be used for said purpose,
. ;_r-r~,..;;;:.:
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VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. ~72094
PARK LAW ASSOCIATES, P.C.
25 E. State Street
Doylestown, PA 18901
(215)348-5200
ATTORNEY FOR PLAINTIFF
I --1IT
First Deposit National Bank
Cumberland COUNTY
COURT OF COMMON PLEAS
VS.
Daniel L. Ruben
NO,98-7148 CIVIL
INTERROGATORIES FOR DISCOVERY
OF ASSETS IN AID OF EXECUTION
TO: Daniel L. Ruben
125 Andrew Court
Carlisle, PA 17013-4375
Because you have failed to pay the full amount of the Judgment
previously entered against you, the Judgment Creditor, to whom you
are indebted, has a right to attempt to enforce the Judgment by a
Judicial Sale (Sheriff's Sale) of your assets and has a rlght to
inquire concerning the existence and location of those assets.
Therefore, pursuant to the applicable Rules of Court, you are
required to make full and complete Answers to the questions set
forth in the following pages, These Answers must be made in
writing, under oath, within thirty (30) days after service upon
you.
You are warned that, should you fail to do so, the Court may make
an Order imposing punishment for Contempt of Court.
If you have an interest in any property which would
question set forth below and that interest is
enjoyed) by you with another, you are required
specific question noting the interest of the
including that person's name, address and telephone
refer to any
owned (and/or
to answer the
other person
nurnber.
Please, if you do not understand your duty to answer these
questions, you should consult a lawyer. If you do not have or know
a lawyer, then you should go to or telephone the office set forth
below to find out where you can get legal help,
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1. REAL ESTATE: Does the Defendant have an o...m'"'CJhl,p OJ In' '''L''';'"
in any real estate anY'where in the Unj.t(,j Stat.",;';' If '";1:', ::"t :')LI".!\
a brief description thereof. inc:tud." I:h'" :Jt~"Uct:Il!:e "ll~.j I,), ,;11',"
and type of constructlOn; the location, lr~clud:Il'! I"h,' :;,",]'-",
county, and municipality; the ./,jlum." ,,,ld. [F"j" nt:lnlY" "., ':1\"
official record thereof; and state further 'whetlwl: I:!l<, D."u'nll.:ll\t
owns it solely or together with any other person 01: pe~sanG ,]nJ
give their full names and addresses, Supply the CU1Tent v,!lw' of
the properties and the basis for the valuation (e::;tl,m:lt'" tClX
assessment, appraisal, etc,). If any of the abov"! prop"rtl'''; .:11:':
mortgaged, supply the names and address of lenden" tht~ d,)t.'\ ,]!ld
amount of the mortgage, where it is recorded, the mont.hly paYIl\\.,ntlJ
and the balance now due. Also, supply the purchase ddt", pUL.:ILl:]"
price and the name of the party from 'who the pl."OP"L"ty '.~a"
purchased.
2. TRANSFERS OF REAL ESTATE, In the six ',I'''''!:'' pt",,c:,'".dll\'.J to tl',,"
date of these Interrogatories has the Defendant trJnnfel:reel any
real prope:t-ty either by "ale, gift, excllC1I1'J'''' 01: ()thl.]'.~i.I,;"''! [ f 1;0,
please give a description of the prOpel"ty 1;0 tl-,:,nl;!('ITI!d, lh.'~
method or manner of trans fer, the name o( tlw pe t"I;On, fJ nn or
other entity to 'whom transferred, the c01;I;j,d,'!:',:lll.:>1l ,)1' amollnt
received by th'2 Defc::ndant ar~d th(~ tinK! ()t: til" Lr:ll~:3i:,'~'.
3. TRANSFERRED ],SSETS TeND GIFTS: r:', In Ih" pI.,.,',.d"".'1 ,i,:': y",ll::l,
the Defendant has transferred any ):o,"'~tll il""',I' prc,!,,'jl''', P"l":;onal
property, chose in Clctlon), nol: cO,;,,'I""" Ie';! II:" \11:11\1";; 1\.,' pn"'c,,'ding
interrcgat'::lry, to any persoll, and/oJ:", 1:' It'i'"' ::'.I,.ndanl lId"; (liven
any gift valued al: more theW I~;>''oU. :),j, "." ,"ill'" ,;"".., includlnC]
money, to any person, Set torth, ll1 el,.t:.-,:l, I d. .,;." ,pi, 1 ')11 of the
property, the type of tr,1n"action, "nd \i:.. ;;"1',,, dlld ,.del!""I,;:; of the
transferee or recipir~rlt.
.1, AGREEMENTS: ~;::,l'~e '",h.;" 11"): I: h," 1.'..j.:n.J,ii',!" lI,"; "ny ')'Jl"Cements
involving the pl:rch."1"'c of .,ny ["'"',,] .'1,1:,,1:" ,"\',/'wlwn. In the United
States. :f so, stat', '",ith '",b:m tilll; .ql,",'Il":l1': ",; m",;e, and state
.tJhetr.",r oc l:ot ,3r.y p"'~,,c1;d:: ,,,,. ;-." I'" .,j .'" J', Ii I: I~,' \)(' j "llclant in the
cl'Jre.:.,r..::I:t" Sl:tT".... ! <;.. ".,,","1 ,I.' ,:':1 "0::..:"'; ot .111 parties
cone,::r-ne._L '. t,"." ',;i .,,:.""':1' ),,-,,;!"';, 1<)"':1<3" thl~state
c1.:-;':) CO\~:-~~.~y .,. ~'(""~'!':,1..:,:j, 'J,'.;'l; ':. ::~.' 1:>1; ~lt. 1~1,J1Lr,.~r;:;.
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5. ACCOUNTS RECEIV.l\BLE, DEBTS, NOTES & JUDG1<lEN,S: State the names
and addresses or any and all persons whom the Derendant believes
owes the Derendant money and set rorth in detail the amount of
monev owed, the terms or oavment and whether or not the Derendant
has written evidence of this indebtedness, and if so, the location
thereof, Also state if the matter is in litigation, and if so give
full details. Ir the Derendant holds Mortgages or Judgments as
security for any or these debts, state where and when such was
recorded or entered; and the County, Book, Page number and term
where recorded. If the Defendant holds this Judgment or Mortgage
jointly with any other person or persons, give their name and
addresses.
6. INSURANCE: State whether or not the Defendant is the owner of
any life insurance contracts. If so, state the persons whose lives
are insured, the serial or policy number or numbers of said
contracts, the face amount, the exact name and address of the
insurance companies, the named beneficiary or beneficiaries and
their present address, Ir the Defendant owns this insurance
jointly with any other person or persons, give their name and
address. State whether such policies are term, whole life or some
other type of policy. State also whether such policies have any
cash value and whether there exists any loans aga~nst such
policies and, if so state all amounts,
7. GOVERNMENT, MUNICIPAL OR CORPORATE BONDS: State whether or not
the Defendant owns individually or jointly any corporate or
governmental bonds. If so, include the face amount, serial numbers
and maturity dates and state the present location thereof. If the
Defendant owns any of these Bonds jointly with any other person or
persons, give their name and address,
8, SHARES OR INTEREST: State whether or not the Derendant owns any
stocks, shares or interset in any corporation, or unincorprated
association or partnership interest, limited or general and state
the location thereof, Include the names and addresses of the
organizations and the serial nurr~ers of the shares or stocks. If
the Defendant owns any of the stocks, shares or interest jointly
with any other person or pe~sonsf give their name and address.
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9. DEPOSITORY ACCOUNTS: State whether O~. nor tl1., l)',t,:ncLll1t
maintains any checking, savings, or other d,,"r-"'):J\~', Y;:~':J\lnl:!L It DO,
state the name and location of the depo:3i': :.:~:_~t: :'\~\lLlJ):t ,Jnd t~he
branch or branches thereof, the lncientif.ic.:lL~."..dl ;",';,dd)';"... ,:~t t:hoSF:
accounts, and the amount or amounts tiv~ D.':.fl~~!1(h:-:t., h,:t:,; i.n !~ach
account. If the Defendant maintains an'1 ':':: ::h,.-~:.i'~ ]l)in\:ly"'Jith
another person, give their name and add,e:::!::,
10. SAFETY DEPOSIT BOXES: St:.\tl~ ',..,h,.'tll.~r ell ll"d: tht} Df:Eenclant
maintains any safety deposit box 01: b,,;'."!:, ;1 .:C'. In,;I'.,,,l'~ the name
of the institution, branch or br-iJl\(:il",i, d!i.J ~ ii,,' jlJenti.fication
number or other designation ot' th" i"".;' 'I' \.. ;'.1'::, end ude a full
descriotion of the contents .\llIl ,11 ;:" "11,' . Ill'.' "Ill! 0 I cClsh among
those contents. If the O."f"ncl,ll1'. 111.\ I"~ ,"11""1',' ,01 l:I1""e jointly
with another person, gi'v'e th(:i~: t\:I.\ Il\[I:I' ,(l.': ,\ I!)":;:.;,
11. PERSONAL PROPERTY: S,-~Il:l.' ',"!I," Ii"'. I:' ~ il,' I)>"Cendant owns
personal property. Incluck, ,11.1111 ,t""." 11': I I; ,l/ ,d.l machinery,
equipment, inventory, f>..: nil UIl". I : :-,' \ 11" ;, !"" 11: :dnngs and any
other items of per~3ontt1- prl','F"~11 ',';:! i~ : I,ll: !,.::t:llpt ion, giving
full value and present 10>::.10,':1'1, " 1: :" ',.':1>" 11'.'1: or not there
are any encumbrances or li>,n:.~ ,:'11 Iii ,: I: 1"1' ','.1101 If so, the name
and address of the encumb~'.ln(>' '>l l;', J i., \ I I' ':, t, h,-,' pr"l-:s,.=nt balance
owing on that encumbranc'--~ :11)(1 till' i 1 l~;;~ \"!l"!'~ 't..'lllch (.j'dve rise to
the existence of the l~nCun:l;'1 ,I!,' "-. I' ,. ',1::1':-':' ,J.nd when the
encumbrance or lien '....,1:::; l"t'i,'Il! ,j,.,j. 1 L" D(:Lf.~nddnt owns any
personal proper-ty jointly ',",1:1: ,n'; ,,' II" .., .:,'n Ul: persons, give
their name and address,
!
. 1." .', l"';:'~:'i ..: the Defendant
1:, j "0,i'.",.-,,",:1 o~ ,3. third person?
:," pt'D!='::rty; the name and
"l:~'.: ',i' 'I.':-;~) h3~:J possession of
!_"'d:.:.:-:;n ,~..hy the property is in
t'"h<~ consideration or payment
Iud dddr.~ss of the person who
.. ,:d~ratlOn on behalf of the
12. RENTED PROPEl'';''': ""
rented to, le.;..::;f::-~'.-i ~~,,-\ :i'": '...,'j:
If so, sti,'it..: [~.:1-.1 .:,.:; 'll:" ':;
address of t:->.:- F'.2':';;'_~l;. : ,:::j , ';-;;'l
the porpcrtj'; t:b,' ''. !--"::~',;:' l~', .'..;" .1:1':
possession 0: t.ilt' -L:~ "!.o',ll;
recei",,red b:/ ti-;'-' r::'<"L,: J.:;' !." 111'\"1'
. ~
rece l":e:::
De:endan~.
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13. ;.~C7/:_~? --::~,: ~:
any ::':'..:jL~~:_;..:, ",
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t!le Cefe~dant owns or has
full ~escript~on of each
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such motor vehicle, including color, model, title number, SArial
number and registration plate number. Also sho~ the name or names
in which each motor vehicle is registered, the oresent value of
each motor vehicle and their present location and" place of regular
storage garaging or parking. State wr.ether or not there are any
encumbrances on those motor vehicles and if so, the name and
address of the encumbrance holder, the date of the encumbrance,
the original amount of that encumbrance, the present balance of
the encumbrance, and the transaction which gave rise to the
existence of the encumbrance. If not owned, state the extent of
the Defendant'S rights in and to such vehicles.
14. ACCOUNTS PAYABLE, LOANS PAYABLE, DEBTS, NOTES WHICH THE
DEFENDANT OWES TO SOMEONE ELSE: State the names and address of any
and all persons who claim that the Defendant owes them money for
any reason. Set forth in detail the amount claimed and, if there
are any suits, actions, or legal proceedings of any kind against
the Defendant pending and undetermined, that the full particulars
as to each. However, it is not necessary to duplicate the Mortgage
information given in response to Interrogatory #1 (REAL ESTATE)
and/or the encumbrance information required by Interrogatory #11
(PERSONAL PROPERTY) or Interrogatory #13 (MOTOR VEHICLE) .
15. Are there any Judgments on record against the Defendant?
a. What amount and where?
b. Have payments been made on account thereof by the Defendant
or by third party for the Defendant?
c. By what person?
d, Was satisfaction recorded?
e, If ans\,er to item d, is "In che r:egative", explain why.
16. Are supplementary proceedings in aid of execution now pending on
any of these Judgments?
17, Has ar:y Judgment creditor's ~xecution (enforcement) action been
ccrr.::"enced?
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18. Where does the Defendant live?
a. How long has the Defendan~ lived there?
b, How much does the Defendant pay for rent, board, services,
etc.?
19. Is the Defendant a member of any club?
a, What are the dues?
b. Are they paid?
20. What salary or income has the Defendant?
21, What is the occupation of the Defendant?
22. Is the Defendant married?
a. Has the Defendant a family?
b. How large?
c. How many are dependent on the Defendant?
d, With whom does the Defendant live?
23. What money has the Defendant received within the last sixty days
from any source, and what has the Defendant done with it?
24, poes the Defendant have a bank account?
a. when did the Defendant have a bank account?
b. When did the Defendant last draw a check?
25. Has the Defendant anythlD':; in p,;'''''? If so, give all details.
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Ha.s ~ht.:? Df~fendant cl.::1d!~ ~ ..-J.:.ll?
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a. when?
b, Describe all property devised i~ that Will.
27, OTHER ASSETS: If the Defendant has any assets which was not
disclosed in the preceding Interrogatories, including but not limited
to rights and co-rights, patents and confidential and secret processes,
please set forth all details concerning those assets including
all recorded findings and proofs of ownership,
28, Have you in the past two (2) years submitted to a financial
institution/stock broker/banking institution either a personal or
confidential statement?
a. If the answer is in the affirmative for each
personal/confidential financial statement submitted, state:
1, To whom it was submitted,
2. The date it was submitted,
3. Attach a copy of said personal/financial
statement.
29. Are you either the owner or beneficiary 0: any life insurance
policy? If so, each life insurance policy state:
a. The name of the insur"mce company '>>hich issued the policy.
b, The date the policy was issued.
c, Whether you are either an owner or beneficiary of the
insurance policy.
d. Attach a copy of the declaration page of the policy.
3D, Do you hold as the morgagee either individually or jointly with
others, a mortgage on any real estate?
If so, as to each mortgage state:
a. The descript:on of the re3l estate.
b. The d3.te 0;1 'v'Jhich you acqt~i r!:'~d :r."': r1o'!.'"tgage.
c. The or~qinal prl:1cipJ,c j~Ourlt o~ the mortgage:
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CORRECTION '\\
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Refilmed to Correct
possible Error
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a. When?
b, Describe all property devised in c~ac Will,
27. OTHER ASSETS: If the Defendant has any assets which was not
disclosed in the preceding Interrogatories, including but not limited
to rights and co-rights, patents and confidential and secret processes,
please set forth all details concerning those assets including
all recorded findings and proofs of ownership,
28. Have you in the past two (2) years submitted to a financial
institution/stock broker/banking institution either a personal or
confidential statement?
a. If the answer is in the affirmative for each
personal/confidential financial statement submitted, state:
1. To whom it was submitted.
2. The date it was submitted.
3. Attach a copy of said personal/financial
statement.
29. Are vou either the owner or beneficiary of any life insurance
policy? If so, each life insurance policy state:
a. The name of the insurance company which issued the policy.
b. The date the policy was issued.
c, Whether you are either an owner or beneficiary of the
insurance policy.
d. Attach a copy of the declaration page of the policy.
30. Do you hold as the morgagee either individually or jointly with
others, a mortgage on any real estate?
If so, as to each mortgage state:
a. The description of the real estate.
b. The date on which you acquired :he mortgage.
c. The origi~31 principle amount of the mortgage:
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d. The account outstanding balance due on the mortgage,
e, The name and address of each mortgagor.
f. The mortgage book and page number in the Office of the
Recorder of Deeds or the Office of the Deed Registry in the
County and State where the mortgage is recorded,
g. The name and addresses of each person/entity including
yourself listed as a mortgagee.
h. Attach a copy of the mortgage.
31. Have you made any claim under any policy of insurance within the
last three years?
If so, as to each claim, state:
a. The name and addresses of the insurer.
b. The policy number.
c. The facts giving rise to such claim.
d. Whether or not: such claim has been paid.
e, If you are represented by anyone, whether it be claims
adjuster and/or an attorney, state the name, address and
telephone number of that representative.
PARK LAW ASSOCIATES, P.C.
BY:
VALERIE ROSENBLUTH PARK, ESQUIRE
DEFENDA.'lT
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED
THAT WE STAT ETB FOLLOWING TO YOU: THIS IS AN ATTEMPT TO COLLECT A
DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
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VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
PARK LAW ASSOCIATES, P.C.
25 E. State Street
Doylestown, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
First Deposit National Bank
Cumberland COUNTY
COURT OF COMMON PLEAS
...,;.
, ." - '-, . ,'. '-. ',,~' .'. . ~ ,\.,
.-
VS,
Daniel L. Ruben
NO,98-7148 CIVIL
PLAINTIFF'S REQUEST FOR PRODUCTION OF DOCUMENTS
IN AID OF EXECUTION
TO: Daniel L. Ruben
125 Andrew Court
Carlisle, PA 17013-4375
Pursuant to Pennsylvania Rules of Civil Procedure 4009 and 3117,
you 2.re hereby requested to produce below the listed documents
and/or items for the purpose of discovery or assets in aid of
execution. ThlS material will be examined and/or photocopied. The
documents/tangible things are to be produced at the Law Offices of
Park Law Associates, P,C., Suite 101, 25 East State Street,
Doylestown, PA 19801 not more than thirty (30) days from receipt
thereof.
These requests are not dlrected merely to the person or party
whose name appears above, but are meant to include that person's
0::- party's agents, servants, insurers, employers, employees,
investigators, attorneys, and others similarly situated to the
person named.
In addition, although the reauest seeks these documents within the
next thirty (30) days, the request should also be deemed
continuing, in that if there are further materials which come
under the purview of any of these requests which are obtained
after the time or their production presently, the materials should
also be furnished in accordance with this request.
If dr.}' documents ~equired to be prcduced is claimed, then the
items to be p~cduced :or inspecticn and photCCOPY1~g are:
1. Any and all CO::UT.e:l~S,
yo~ r~v:~wed or ~e:err~~
everything which
In:errogatories irl
record.s,
evidence a:-:d
to i~ a~swerl~g :::~
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Aid of Execution which accompanied the Request for Production of
Documents,
2. Deeds of all real estate owned by you eit~er solely or jointly
with oLhers,
3. Documents of title for all automobiles owned by you either
solely or jointly with others.
4. Your United States and Pennsylvania Tax Returns which you filed
solely or with spouse including all W-2 Forms issued to you and
IRS 1099 Forms issued to you either jointly or with others for the
following years, 1993, 1994, and 1995.
5. Bank statements covering all demand deposit accounts in which
you have an ownership interest of any kind.
6. Balance sheets and statements of profits or losses for the last
two (2) years showing all assets owned by you during the said
periods as well as the results of the operations during said
period.
7. A schedule of all of your
receivable. Such list shall include
debtor, the amount of the debt, and
accounts receivable and notes
the name and address of each
the terms of payment.
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8. A schedule showing in detail all items of inventory
you, such schedule shall include a description of the
inventory, the cost of the inventory I its present locat ion
present value.
held by
type of
and its
9. A list of all safe deposit boxes which is held either
name or jointly with others. Such lists shall include the
the box, exact total, the number of the box and the
address of the institution in which it is located.
in your
name of
name and
10, A list of all of your assets pledged as collateral for loans
or other obligations owned by you, either solely or jointly with
others. Such list shall include a descriptcn of the collateral,
its value, the name and address of the inst~tution or person with
whom such collateral is pledged, and the amount of the obligations
secured by said obligation,
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11. A list of all equipment owned or
solely or jointly with others. Such
description of each item of equipment,
cost, and its present value.
possessed by you either
lists shall include a
its t:1:'eseni: location, its
12. A list of all your liabilities, whether trade
otherwise, including the name and address of the party
such debt is owned, the amount of such debt, and the
payment.
debt or
to whom
terms or
13. A list of all of your assets owned either solely or jointly
with others, other than inventory, transferred by you within one
(1) year from the date hereof including a description of such
assets, its cost, its value, and the name and address of the party
who received such assests, and the consideration received by you
for such transfer.
14. Copies of all confidential/personal/corporate
statements issued by you to any financial institution
last three (3) years of the date from which you were
this Request for production of Documents.
financial
within the
served with
15. Complete copies of all insurance policies issued to you either
as a homeowner, tenant, or businesS including but not limited to
life insurance policies, policies for automobile insurance,
homeowners/fire insurance policies for the past twO (2) years from
the date you were served with the Request for production of
Documents.
16. A copy of all agreements reflectlng owner3hip in any business
entity including but not limited to stockholder agreements,
partnership agreements, limited partnership agreements and joint
venture agreements.
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