HomeMy WebLinkAbout01-05798
,
v,
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO, Ol- S'79f C()~l '{-~~
: CIVIL DIVISION - LAW
DISCOVER BANK, by its servicing agent,
DISCOVER FINANCIAL SERVICES, INC,
Plaintiff
JAMIE N, THEIBEN
Defendant
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIM SET FORTH IN THE
FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE
ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILING IN WRITING
WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE
WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE
ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE
COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR
PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW
TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
TWO LIBERTY AVENUE
CARLISLE PA 17013
(717) 249-3166
NOTICA
LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS
EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VEINTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA
DE LA DEMANDA Y LA NOTIFICACION, USTED DEBE PRESENTAR UNAAPARIENCIA ESCRITA 0 EN PERSONA 0 paR
ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS 0 SUS OBJECIONES A LAS DEMANDAS
EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y
PUEDA ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO 0 NOTIFICACION Y POR CUALQUIER QUEJA 0
ALlVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO 0 SUS PROPIEDADES 0
OTROS DERECHOS IMPORTANTES PARA USTED,
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO 0
SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA 0 LLAME
POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA
AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
TWO LIBERTY AVENUE
CARLISLE PA 17013
(717) 249-3166
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FAIR DEBT COLLECTION PRACTICES NOTICE
1.
Amount of Debt: $11,723.05
2.
Name of Creditor: Discover Bank
3.
Unless you as the consumer, within 30 days after receipt ofthis Notice, dispute the
validity of the debt, or any portion thereof, the debt will be assumed to be valid by
me.
4.
If you, as the consumer notify me in writing within the 30 day period that the debt,
or any portion thereof, is disputed, I will obtain verification of the debt or a copy of
any judgment entered against you and will mail the same to you for your benefit.
5.
The address of Discover Bank is 3311 Mill Meadow Derive, Hilliard Ohio 43026.
6.
The attached correspondence from me to you is for the purpose of collecting the
above stated debt. Any information I obtain from you wiRl be used for that purpose.
ROBERT D. KODAK ESQUIRE
KNUPP, KODAK & IMBLUM, P.C.
P.O. BOX 11848,
HARRISBURG, PA 17108-1848
(717)238-7151
EMAIL: kki-Iaw@att.net
ATTORNEY FOR DISCOVER BANK
DEBT COLLECTOR
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DISCOVER BANK, by its servicing agent,
DISCOVER FINANCIAL SERVICES, INC,
Plaintiff
IN THE COURT OF COMMON PLEAS
v,
CUMBERLAND COUNTY, PENNSYLVANIA
NO, Ot- S'19? C?~",~l~
JAMIE N. THEIBEN
Defendant
CIVIL DIVISION - LAW
COMPLAINT
The Plaintiff, DISCOVER BANK by its servicing agent, DISCOVER FINANCIAL SERVICES, INC" by its attorneys,
KNUPP, KODAK & IMBLUM, P.C., brings this action of Assumpsit against the Defendant to recover the sum of ELEVEN
THOUSAND, SEVEN HUNDRED "TWENTY-THREE DOLLARS AND FIVE CENTS ($11,723,05), along with interest thereon
from AUGUST 3, 2001 upon a cause of action of which the following is a statement:
1, The Plaintiff, DISCOVER FINANCIAL SERVICES, INC" agent for GREENWOOD TRUST COMPANY, is a
corporation organized and existing under the laws of the State of Deiaware, having its principal office and place of business
at Post Office Box 25010, Newark, New Jersey 19726-0010,
2, The Defendant, JAMIE N, THEIBEN, is an adult individual residing at 209 Fifth Street, Apartment B, New
Cumberland, PA 17070,
3, Defendant did apply for a Discover credit card with Plaintiff, and subsequent thereto, was issued same. Upon
receipt and use of said card, Defendant did agree to abide by Plaintiffs terms and conditions for said card. A true and correct
copy said Terms and Conditions is attached hereto, marked as Exhibit "A" and made a part hereof,
4. Defendant did, at various times, in various places, and for various amounts, avail herself of credit, thereby
creating a balance due and owing in the amount of TEN THOUSAND, ONE HUNDRED NINETY-FOUR DOLLARS AND
THREE CENTS ($10,194,03), as set forth on Exhibit "B" attached hereto and made a part hereof,
F:IUSERIRIKlCOMPIWORK\27616, WPD:26Sep01
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5, The prices charged for said goods, wares, merchandise, services, and/or labor which Defendant did charge
on said card were just and reasonable, were the legal and market prices therefor and were the prices which the Defendant
promised and agreed to pay,
6, The baiance due and owing by Defendant to Plaintiff is the sum of TEN THOUSAND, ONE HUNDRED
NINETY-FOUR DOLLARS AND THREE CENTS ($10,194,03), as appears by the Statement of Account hereto attached, made
a part hereof and marked as Exhibit "B".
7, Due to Defendant's default in payment of said amount due and owing as aforesaid, and under the terms and
conditions to which Defendant agreed upon use of the Discover card, attorney's fees have been added to said account in the
total amount of ONE THOUSAND, FIVE HUNDRED TWENTY-NINE DOLLARS AND TWO CENTS ($1,529,02).
8, Plaintiff has frequently demanded payment from Defendant of said amount due and owing as aforesaid, but
Defendant has refused and neglected and still refuses and neglects to pay said amount of any part thereof.
WHEREFORE, Plaintiff brings this suit to recover from Defendant the sum of ELEVEN THOUSAND, SEVEN
HUNDRED TWENTY-THREE DOLLARS AND FIVE CENTS ($11,723,05), along with interest thereon from AUGUST 3, 2001,
Respectfully submitted,
Robert D. Kodak
407 North Front Street
Post Office Box #11848
Harrisburg, PA 17108-1848
(717) 238-7159
Attorney ID No, 18041
Attorney for Plaintiff
F:IUSERIRI KICOMPIWORK\27616, WPD:26Sep01
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CASHBACK BONUS@
TERMS AND CONDITIONS
The C.:u-hback Bonus Termr 2nq Condlllans ani nol <I pirt allhlt Card-
member Atlrttmenl.
Cashlnck SlJnus. is :Ill OIl1\ounltllmolllinatml ill dull,lIs ami cr.nls wllich
nlllY be earned' by Ui!'(:OVCI CilrOlnClnllCrs tly (Ising tlltlr OiSCUYCl C,lId
fm ptsrch:tses Cuhback BanuS""I~ /letl ea'ned lor c,15/1 ;}dvances
C'uhb;iClc llonus is slJb)r.cllo Ihe')c Imms. >lr:d cOllrli!iolls and J5 sub.
leel tl) Ch:\llr;JC ...,rithOLll nolkr., Ca.s.hb3c~ BOM$ is suhiect \0 di$.
fl11.l1ilicalil1l\ 1'11111110 ll~illlJ ;W/illt.lcd hi cllcurnsl:mccs tlr.sctihr.l1 below
2 Cashb.u;k Banus is c.lk:ul.,tCQ b:tserf WNIl illllllrid f1f!tiocl corcc:'llOud.
iJlglo Ihe C:lll.hnemlJc1"s ilflf1J"Clsdry )le;!1 the liI::.l ;lllJlivNS;IfY }leal
hcgins all (he. dale the 'r.,lId Is iSSIl~d <<lid cnds ollllle lasl uay ()lihll
twelllh IUIll\lh1y hillillCJ pr.dod which loll,lWS. E"ch successive. 311111lJcr.
Silly yr.4l.r is 'he. appm~illli\le l)Oe..ye.;u (lr.rlOtl ttll\l(ln<:I:t1 nl \Ill: lIe.xl
tWIll'll: monThly {ullulg pr.li1ltlS
:3 the ilmOIJlllllJ Cuhback Bonus is (::1rrul;}lt'd tt}'lllllllIJllytlll) r,;u:h JlIll-
dmsel1Y
. 2S'l.i1! Ol):!S). II 11m fllllCh:)~r, i:. Ilill11l1lhc ti!')1 S1.O{m llllllllChil$I:S
liming Ihc ;lImivr.r~ll'f yeill
. .5/)% t D050~. illhe Ilurchil:;C Is p.:!l1 01 11m ~p.r.Iltlll SUlOO lJl plJl
r.h;)s~ dmill" Ihr.: <Il1nivCIS;JfY yc~t I
. .1Sft.;. {110]5). il thr.llUfr.hil.~r. i~ [1:'IIt ullhr. Ilnl,1 $\.I10U 11llllUrh:l,,'!$
dl111l11J \lu: il.nllivcl..~lry vr."r
. IIJ~"o I 011. II Ihr. p\llr.lto\~r. l'i 11;111 !lIthe Illllrll,\~II::". ItI r:"n::;:~ III
S3.000 ,hl/lIl\! the ;lf1l1IVC1S;UY yeal
Thc 101.11111 'Slldl r.ah.ul;!lilll1S [II{ cadl,lI11livelsary yt!all:".lhl! illl1lUU11 nl
C~shbild: lJonllS wllir:h \vilf be. i1w;\rdr.d 3S l1CSC.ll~Ctl hr.lu'll Ihc. C"II:l1'
1:11100 bCCJillS \l{l;tin '1/1111 lite heginninv 01 c~ch i1nnivmsarv yr."r. lhe
c~l(rmemhe(s mOllUlty biftilllJ sla!r.llltm! wifl !>how the "mount of
Ciuhbac.k 80nus "milO/ill cmrc:h.1Sf:S llrwuqft Ilu: cl;llc IIf lit:: $1.llcWCIlI
JOT each ;lllllrlcIS:IIYVr..ll
<I Cash.lI<lCX Bonus is <!w;urlcd shorlly ~Hr.1 cach alllllvelS<H'/ yr..u 1111:
exact method 01 ilW,lId mOly change fJOln year to year. btrllhc C31d.
member will Juve Ihl: nppoTlunlly 10 luciYt Cashb2cll: Donus 111 a casll
eqUivalent (i.e. ,-hed Of credil to lite Carrlmcrnbr.I's Olscavc.r C<1fd
Ac.counl1 As p;u\ of the (\w;ud melhot.l. the CardmcllID(:r lll.,y have the
C1f1partullily 10 make an eleClioll or 10 exercise a clloice ilS 10 Ihe
manner in which Cashhcx Bonus IS avt3cdcd Of the aW3rd Icdcemed.
lhe failule 10 m.1kc such election or choice on a timely basis lllay ICSU1\
ill tlte exercise of dclimlt options or in tile disQualWcaUon or the
Casbbacx BonUS: ;lwa,d.1l ls Ihe CaH:I!Illlmbe,'s Icsro.llsibilil)' 10 Ilolily
OiscQ'Ver C,lId In UIC eVCllt a Cnbb'i\ck Bonus await.! is notlcceivcd 101
allY rCOlson. Catumembets !lava no rlall! 10 accruad bul unaw,miad
C~$hb;rtk Bonu$ iUlllJUnts: U ~n Accl)unlls closed IOI allY Icason Jlllar
10 Ihc :lfluivr.rs:lry tlalc. any ar:c.lllCd C3stlbatk Oonus will hr.lollciled.
"
5. Pmscn\ly. C:llhb:lc:k Bnnus Is aWilflled III mcans or {II a cretllt 10
ACCDUllt. Ie the amount (s less lhan $ 50. am! lill a ClICC!t, mflllcl110
Ihe Catdmcmbcr (by ellllc, ills! class Olllllld class mollll.llllle amell/If
Is S. 50 01 glCalcl,
G Ca:s:hbac:1t Bonus Is Gtlaufctl' 10 Calumelll{)clS In Quati' SI;mdfllCJ ilt IlIC
!line o111lc aWatD. CacC:membets who ate dcllrmuenl allhe !lme 01 I!le
award mOlY, al the ollUon 01 DIscover Calif. have thell Cashback Bonu$
illl(lllr.d itu(umallcally ilS a credil to IImil Account.
7. In lhe cvenl a CilId Is losl or 5101011, Ille amount uf C2sbback Bonus,
11m ilmO\lnt 01 qua11lylnu pUlchases and the :mnlvelSalY dale Irom the old
Account arc 1131lsfencd to IlIe new Acclluo[.
13 DIscover tilfll tescrvcs the light to make ilPPltll1rlilte iIlljusllUell\s In
Cashback Bonus amounts ll1lespect 01 A.ccount ac:tMly {!l.U.. a C1ellll
10 0111 Act:Gtlot In feS[lCc( 01 a prIor purchase 'Ill![ lCsullln ilIC{fl1c(loll nC
C;lshb3Ck Bonus).
coe n(V 11/00
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EXHIBIT
i-JL
lilt: Slaf1llallll~11c. fhe Desl Rllc is an NlUUAl PERCENTAGE HAlE
001 Plime It.llc plus 8,9 pClcenlage points. lhe 8ellel illld Oo:;t
F\;lles h.l~e il mlnilllurn ANNUAL Pl:RCBHAGE Ml E ol 12,9~\I
afld. 1m u:sitlcnls 01 Moline. NOIlh emmna and Wiscllm:iu, a
i1l.ldllllnn NlNUAl PEnaNT^GE 1\6.1 E 0118%, lhe Uaily PCIlOOIC
ltollr.s and COITCSPUIldIIlU Mlnllal PClccHlaQr. Hales ill cllcCI on
the rlale litis AQICe'1ICnlls fllluishcrf 10 yOIl ilIe Sl~II{II1" in Ihe
cndo~ kAIIllltional UiscloSIIlCS."
15' ,lullllJ." Pr.J1:lml.1Q-c fl.)IC IOJ C.lsh Adv;IJII;CS
thr. NmUJ\l rEI\CEtl fAliE I\AI E lor ca:~h :ulv3uce:; IS (a}I!I,Q'!_,
whcn Ihr. i'lime 1\,,1r. is lowl'll limn 10 9'!h, Clnd (lJ) 1'lIme nille
plus 6.9 (lCfct:f1lilge poinfs. when Ihe rtifllc !fain Is IO.~i Of
more; t,;ccpl Iha' lor tesidcnts 01 Maillc, NOllh CalOlllliI and
Wisconsin,llIc ANNUAL PEnCE" IAGE MIE 101 r:ash ildvallCcs is
101. lIKl [)''lily f'crkxUc l\atc ilnd COItr.spOflIItrKJ ^,IIIIJoll f'cll:ellli\Uc
Sblll ill elll:c1 on Ihe dOllc lIus ^!Jlccmr.nl is IUllIished \n YUl.l alc
uf fLdh II nu~ tndoscd "AdtJilioni1J DisdtlSJlJc"
lMIISACTIQU 1 EE FIH^Nr.E ClIARGE.S. VIr. ch;'ll(W i\ h;ul\.:\tli'_ll
f~ fin.n:t Chalgt \II l'lt...' 0-)1 ;l(N:lrIO.:'.. \&1':;\:1\~' ll.: ;IllUlut 01
r;w-JI c.;J~1 i'Iv:tncc:
"moltl'l "' ~H;h fll1ulttnl nlll;\nur.llrln II!!I,
1I11~1 flit" ^"vll!f.n , IIMIII:~ l:HllIllit '
~~UO 01 len '15'111 ul till! "'WIIlI!1 01 ciI\h ;nIViIIll;C
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SSl)IJOI-SI,OOO.IJO 20'1. DIlIw a""lml 01 tJsh atlv.mcc
'10('1() 01 OllUore 1.5ft.\ tlllhe l\UD11ll1 01 cash "rlvnlltn
te1cr.lIt IOJ C.1:J, ~dvallte whidt alt llI.we III leslIec! Df 911ilfmllccrl
PI'ISI',,:,I thcr."~'lIOl whlt.h we hccomc liJtJh:) This Chi:UOI~ may lesull
III illl ^"lluall'ttr.CI1laoe 1~,lc 111I C:I:JI ildvilll':CS which is hiohellhilil'
/1<<: "'ltllif/JI AII/lu.1l PCU:clll.,CJC n.~a. l "Cl(~ Is., millfmvm)tJllr..'I:!iall
Fe! f1t1^NCf. CU^nG~ 01 $2_0n :lnrJ 110 Ol.ll!lllum 1Iall:;.1<<;lIun rce
FINNtt;r. C1,^RGE. ^,llollllS 01 tilsh ildv:llll:ts.lnc.hldino Ihe lI:;e 01
Oiscn"",'1 r.m" dlCCk."i, ICllilUffc:lS of llle plllllllSC 10f whir.1I "'l:lf. me
wlll',Ulo Ilnll!-lr.lloll rllo rlll;ltlCfl ChlllUcs. Iu IIblnllllhllllll;ll thlllllCI1
QIJlO_l." on C.1::h ilthr.ulrL"i, W(:.\llk! ilny lr.Jlt\."U;lion fCt! Fin:lllCC Chalges
for UlC bt'Uing ~'l1od d\.ll{lt,:d \u"It'lIlIl:i Sl:t:litll\ hi illlY 1\:lu)lhc f1n:mr.c
Ch;llges c.,lcul;llcd undcl Scclioll 13.
J:i MtNIMUM PEnJODI_C FINANCE. C"^nGE We win chillllC }'UU .1
rninlmuUl f't:liDflIf: FINN.ICE CIIAItGE 01 S 50 lot any \.liltinlJ pellod In
which Slime PCli(lllil: f1rJ^IIr.r CII^IIIIF. lit II::,.~ 111.'11 S. ~U I.\-ollld nlhm.
wi~heirll(IIJsed.
lli. nE1UlUIED CIIEr.K CII^nGE. We will r:hill!le VIlli a 1\r:1l11IlCfl C1ICl;k
ChaIne 01 $'15.00 each Iimc ymJ p:lY 115 willi 01 We guari\nlee a r.heck
Ih~lI I:; Illlulllcd unpaid. Ihis t:hJlg~ will al:m ilPJlly il a 11r.\lilllilns.
ilchOflloildeposll tloc.ounl horn '(:'lidl yot! 11.1Ve i\ul1lolilCd us inwlitilllJ
In pelltXJic.'\lIy dCIJutt illl 01 pml 01 "II "1111111111 you OVlI': II:; UIIlll:llhis
^Ulcl'llIent is 1r.llIlllCd unl'ilid.
11 lA1E CJI^RGE. We w-iIl c1lo1fgC YOIl II talc- ChJr(Jc ot Sl5.OU II YOII
1i)i1ln 1Il00ke ilIL'IIUill:lIIL1Y1l1clIl within7!) r1aY$ :111l:llhc PilylllClll Due
I)ale mOlny lImnlh.
111 nESE^n~lI FU. WI'. may th;u\Je VOl! OJ I1I;SC4l1ch Fcc 01 $.5.00 1m
tadl CI'PY 01 il hdlilllJ ~alr.'Il\r.1l1 01 sales shp lhat VOIIICllucsl"lllfWL....CI.
we t'iillutJl htllltl:".t! Ntt: Ir.r. if YUlllcqll~il r.IJf;U:!i ill <';Qf!flmJlflfl willi i1
1~llllln "11I11. ",
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19 DEFAUl I ,COLLECTION COS11l, You me III c1el,ull iI yoo 131110 tomply
willi the IcnllS ollhis ^Ulecmcnl,lnclllding lailingl\! make 3lt({llilcd
pOlymenl when due m t:Xcccdlng YOUllinc 01 credilll you alc III delault
<11111 we 'elm IlIe collCClinn oJ YOUI Accounllo an Olllmncy. we m:w
chmoe you 1l!i1sona\.lle allulIICYs' Ices and CQlIlll1l olllcl tollcclion
costs ilS IlClllliUerllJy 1.lw as ilcllmlly InculIer] by us
l'U CAflCEllMION. YOII lIlily Cilllr:cl YOIII Account by 1I0hlYIllU us 1/1
WIlIiIlI1 illld lClllllmlU lhc Gmt! III tiS (;\It In hilll. UI COIIISC. yml'MII slill
Ill! IC5fJIl1l5Ililr.11J PilY nil)! nllm"nl you owe 115 i1C1:r:llIlin!) IlIlhc leHIIS
011111:\ ^'JICllIllCIII. We rn;\y Cilf\cel 01 suspend your ^ccoufll tll ally llllle
wllhulll nolic:o. II wo dn cmn:cl or susllr.:nd yom ^tCOlllll, we ntilY
dccliltC IlIe r.nllla lml.-mea CJI ym/l Accou/ll lInUlcdlalely dflc <md
payahle wilhllUl nulice iI YOll ill!: In delault, II we hi'lVe a lCasollilble
hefil:1 fh.1I YIIIl me ull:lhlr' PI unwilling 10 1r.lli1y ynlllllbltg,llillllS 10 \IS.
II YIlII illt illsQ!vcl11 01 (n bi1l1klUIJlcy. 01 f( you dlc.
21 rmVACY VIe milY hlVl:sliOillc yollr crcdit. emllloylllent "lid Income
records iUld verify yom rJ(.'dil rclmCII1::c5. Wa also may (ellUll lu clod;l
IC1MlllilUI ~11~nr:iI:~ :lIltlulhl'l c.lcdilOlS the Slilhls and pi1yl1Jent hislolY
nl your "CUlI"1I, int'h'll11f'l.11ICQ.11Ml Cltfh11n1ol11\.1\iul\_ We llunnal1y
ICI'III! In slIdl tII:d,IIl:11011inn ilucncies lmr:h rnnnllt Wu wlllllot
InlnnJfr 1111$ illllllllllJlll1tl "110lll YUill ^Cf.Ollllt lu atlyolflllr llilllYWllIlIIll1
~lIl1llllltll YIIIIlI'IIIII'llltlMIIIIIlIlll!lIltlllllJtnllq,1l1l111liIlYIIIIl\l1l11l1Iul.1II11,
Villi 1,'111111111 Ihn IUIIIII\ "llhl' ^UIIIIJIIUlIIl m VlltllIlu II 111I111111I1111 "nuk.
111\111:\'.111 wlm:h Ci\!~U Wll Illil'r'Il:luOtlO mlOlll\ilUUll nhou1 YIJIII ^r:clIunl
101111111 Jl:llhr.s who nmy lisslsllIS In unluttlnu WI Ilnhls lIudm lids
^lJlm:lIIclIl 1l0wev!.:l. wo tIIay lIlcllldo Yflllll\illlle null arllliuss ;Jnd
1I1h\1I IIl1mhlyU\u InlUlmnhl\l\ "" II", nt tl\lltmoml\QIS 1\l1",~hl:\l \0
r.mur,ilfll(m sr!llilllJ IlImllll:ls 01 sClvlce5Ih"lm:lV hll of lfllr.tl!sllll )'tN1
Om slIllI:tvililllY Ilt~151l11llrll lIIay IISlcn to m IC(:UlIIICIIl11hIIllU I:illls
IlI'lvll:lm YIlII i1Il1ICIIII 1I'IIIr.l,cnliltlvcs III OIl1m III I:\'ilhmlr. 11m qllahly
or Iliff StUlIl"I: fllffUI r.;tflhllnllllrcfS. Wu lIlilY mill' ,'ilfiltfll"ff.ll rulHtdlUllU
CllllilllllclIl 01 IIICml:IIl1lcll 1I!lcllhOllc tillls tll WlIlllt:l \,1l\L 111111111
YIIIIl ^1:1.(lIIUI
;~~I cnnlll AUlIIUllllA1ll1NS, t:clhlllllllllr.!tlISIlS lint! r.mill iIIf....:IlII:m:
WllIlUllulllJ 11111 nlllhulllnholl 1111131 In complollnn ollila hnn,.,r.llull
III SIIIIIU 1::lSOS. yatl III:1Y be asked tu f1lovldc Irlenllllc:lllol\. II tllll
illllh(llbllhllll syslem Is. 11111 wlJ1kmU. wo. may n01 ho able to :mtllUlhe
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mont,lncludlng ilny IInanca cbugo nla, loa ar motbod ar computing
.IIY b,llIIco opon whiCh Ihe nll.nta th.fV' I1lel, as,"ssod. by ,..ding
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Illh' .ddro" provld.d In Ihe nollto .1 tblllV'. In whlth ClS' yoer
ActOUllt will be &~sod and you mus' pay us lho balaRe.thal you emu us
unduT tha ellstlng llfms oltha unchangod Agrellmenl, O1horwlsD,
you win tl3vo agrDOd to 1he chilnoos In lhti naUce. Uta of 11\0 Card altor
tho ellec1tva dJta of 1M Ch:!ROG shall bl! doemed acceplanclI of tho now
lorans ilS or sucb ollocllvu dati, ovon II )'Qu pl1l'llousty nollllod us lh31
you dldllotaguololhocln.nDo.
2r1. CJlAlIGE OF ADORESS.II you cflange your addless yol1l11l1!.1 nullty
Ill' of yllllllU:W urllllns within 15 days.
25, ASSIGNMENT OF hC'
Accuunl Of any pOltion
nssign or lfanslel yo
lVlillen cO/lsem.
20 OOVERNING lJ\W, Till
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15:29:1.2
CREDIT LIMIT:10000
CREDIT AVAIL: 0
C;"RDMEMBER STATEMENT
CLOSING DATE: 08/03/01.
VIEW DATE: .QJ3. / Jll.
p;"YMENT DUE DATE: 09/02/01. PREVIOUS BALANCE:
MIN PAYMENT DUE: 1210.00 PAYMENTS/CREDITS: -
AMOUNT PAST DUE, 1006.00 PURCHASES/MISC; +
CASH ADVANCES: +
EALANCE TRANSFERS +
FINANCE CHARGES: +
NEW BALANCE: =
6011 0043 0063 0908
lIiEIBEN,JAMIE N
STATEMENT IS ON HOLD
09/17/01
1.0194.03
0.00-
0.00
0.00
0.00
0.00
10194.03
F9-PREV FIO-NEXT FII-VIEW DETAIL
I1SG : NO Dlll'rA.:U. :t.:tNJilS FOR '%'H:tS S'1'JI.'1'lClI!Il!lN'I'
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VERIFICATION
ROBERT D, KODAK, ESQUIRE, Attorney-in-Fact for Discover Bank, verifies that he is the attorney for the Plaintiff
herein and: that, as attorney for the Plaintiff, he has sufficient knowledge based upon information received from others
concerning the contents of the within document to make this verification; and that the facts set forth in the foregoing document
are true and correct to the best of his knowledge, information and belief, He understands that false statements made therein
are made subject to the penalties of 18 Pa, C,S, 94904, relating to unsworn falsification to authorities.
Robert D, Kodak." ,,'
Dated:
IfJjo!
F:\USER\RI K\COMP\WORKI27616,WPD:26Sep01
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SHERIFF'S RETURN - U.S. CERTIFIED MAIL
CASE NO: 2001-05798 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
DISCOVER BANK
VS.
THEIBEN JAMIE N
R. Thomas Kline
Sheriff
of Cumberland
County, Pennsylvania, who being duly sworn according to law served the
within named DEFENDANT
,THEIBEN JAMIE N
by United States Certified Mail postage
prepaid, on the 22nd day of October ,2001 at 0000:00 HOURS, at
785 TRITON ROAD
ATLANTIC BEACH, FL 32233-3941
a true
and attested copy of the attached COMPLAINT & NOTICE
Together
with
The returned
receipt card was signed by JAMIE THEIBEN
10/25/2001
on
Additional Comments:
Sheriff's Costs:
Docketing
Service
Cert Mail
Surcharge
18.00
11.05
4.17
10.00
.00
43.22
R. Thomas Kline
Sheriff of Cumberland County
Paid by KNuPP KODAK IMBLUM on 10/31/2001 .
Sworn a~d subscribed to before me
this 9 - day of~
~w, A.D.
0~O- ~"d~,~
rothonotary ,
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~~aIU,__" ~H~~~,~~~..-t!m~""','""filJ;';J(;-!'ii"'''_'-_'>.r",?v-~---'- "- v;-, TO"';;;"'1;''''M'~fj~~~k~~~,~,~~,t~)!Wl\'lBf''llm~~~r._Y
Complete items 1, 2, and 3. Also complete
item 4 if Restricted Delivery is desired.
. Print your name and address on the reverse
so tl1at we can return the card to you.
. Attach this card to the back of the mailpiece, X
or on the "front if space permits. _.
1. Article Addressed to:
Jamie N.' Theiben
785 Triton Rd.
Atlantic Beach, FL 32233-3941
3. Service Type
x::xw Certified Mail
o Registered
o Insured Mail
o Express Mail
o Return Receipt for Merchandise
00,0,0,
4. Restricted Delivery? (Extra Fee)
DVes
2. ~rticre Number ~,CoPY- from service labe!l.
7000 1670 0001' 8790 1090
PS Form 3811, July 1999 Domestic Return ReceJpt
01-5798 <;iv.i:).
1112595.9S1-M.t7S9
"''''''~'i_~,,-,"
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DISCOVER BANK, by its servicing agent,
DISCOVER FINANCIAL SERVICES, INC.
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: NO. 01-5798 Civil Tenn
JAMIE N. THEffiEN
Defendant
: CIVIL DIVISION - LAW
TO: PROTHONOTARY, COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PRAECIPE FOR DEFAULT JUDGMENT
Enter judgment in fuvor of Plaintiff and against Defendant, JAMES N. THEIBEN, named for failure
to file within the required time an Answer to the Complaint in the above-captiond case and assess the
Plaintiffs damages as follows:
Amount elaimed in Plaintiffs Complaint
$11,723.05
Interest at the legal rate of 6% per annum from August 3, 2001
$234.44
, Total
$11,957.49
It is hereby certified that a written notice of intention to file this Praecipe was mailed to the
Defendant( s) and his attomey of record, after the default occurred and at least ten (10) days prior to
the date of the filing oHhis Praeeipe. See Exhibits A & B attached.
KNUPP, KODAK & IMBLUM, P.C.
~
Robert D. Kodak, Attorney for Plaintiff
DATED:
Judgment entered and damages assessed lI$ above.
Prothonotary
" , ~" "'"~,"""
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lAW OFFICES OF
KNUPP, KODAK & IMBLUM, P.C.
CAMERON MANSION
407 NORTH FRONT STREET
POST OFFICE BOX 1184B
HARRISBURG, PA 17108-1848
Telephone: 717/238-7159
Facsimile: 717/238-7158
email: kkiJaw@Verizon.net
Fit f ~f'6p.rt ~ Kn
l:~~ Efing upp
(1909-1976)
Robert H. Maurer
{I 923-1998)
Robert L Knupp
Robert D. Kodok
Gary J. Imblum
November 13, 2001
JAMIE N THEIBEN
785 TRITON ROAD
ATLANTIC BEACH FL 32233-3941
RE: Discover Bank, by its servicing agent, Discover Financial Services, Inc.
VS: Jamie N. Theiben
No. 01-5798 Civil Term, Court of Common Pleas
Cumberland Counfy, Pennsylvania
Our File No. 27616
Deal' Ms./Mr. Theiben:
In accordance with Pennsylvania Rules of Civil Procedure 237.1, we are enclosing
herewith a Notice of a Praecipe for Entry of Default Judgment. According to the records as
they are found in the Office of the Prothonotary of Cumberland Counfy, you have not filed
responsive pleadings to the Complaint filed against you to the above term and number, nor
has any attorney entered an appearance on YOUI' behalf.
Accordingly, we are forwarding to you the enclosed Notice which indicates that if you do
not take adion as set forth in this Notice, we, at the expiration of time indicated therein, will
request the Office of the Prothonotary of Cumberland Counfy, Pennsylvania, to enter
Judgment against you in the amount as set forth in said Complaint.
Very truly yours,
KNUPP, KODAK & IMBLUM, P.C.
Robert D. Kodak, Esq.
roberf.kodak@verizon.nef
THIS LmER IS AN ATIEMPT TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED Will BE USED FOR THAT PURPOSE
RDKlkqb
enclosure
cc:
EDWARD STOCK ESQUIRE
EDWARD STOCK & ASSOCIATES LLP
1608 WALNUT STREET 18TH FLOOR
PHILADELPHIA PA 19103
#6011004300630908
EXHIBIT
j~
, .
~~
fiLE COpy
DISCOVER BANK, by its servicing agent,
DISCOVER FINANCIAL SERVICES, INC.
Plaintiff
: IN THE COURT OF COM:MON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: NO. 01-5798 CIVIL TERM
J.M1IE N. THEIBEN
Defendant
: CIVIL DIVISION - LAW
IMPORTANT NOTICE
TO:JAWE N. THEIBEN. Defendant(s)
DATE OF NOTICE: NOVEMBER 13.2001
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU
IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF TIllS NOTICE, A
JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU MAY LOSE YOUR
PROPERTY OR OTHER Ii\1PORTANT RIGHTS. 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
OFF1CE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
CUMBERLAND COUNTY BAR ASSOCIATION
TWO LIBERTY AVENUE
CARLISLE PA 17013
(717) 249-3166
NOTICIA 1MPORTANTE
A: JAMIE N. THEIBEN. Demandado(s)
FECHA DE NOTICIA: NOVEMBER 13. 2001
USTED NO HA COMPLIDO CON EL AVISO ENTERIOR PORQUE HA FALTADO EN TOMAR
MEDIDAS REQUERIDS RESPECTO A ESTE CASE. S1 USTED NO ACTUA DENTRO DE DIEZ (10) DIAS
DESDE LA FECHA DE ESTA NOTIClA, ES POSIBLE QUE UN FALLO SEIA REGISTRADO CONTRA
USTED SIN UNA AUD1ENCIA Y USTED PODRIA PERDER SU PROPIEDAD O.OS1ROS DERECHOS
Ii\1PORTAN1ES. USTED DEBE LLEV AR ESTA NOTICIA A SU ABOGADO EN SEGUIDA. S1 USTED NO
TIENE ABOGADO 0 NO TIENE CON QUE P AGAR LOS SERVICIOS DE UN ABOGaDQ, VA Y A 0 LLAME
A LA OF1CINA ESCRIT A ABAJO PARA A VERIGUAR A DONDE USTED PUEDE OBTENER LA A YUDA
LEGA'C:
CUMBERLAND COUNTY BAR ASSOCIATION
TWO LIBERTY AVENUE
CARLISLE PA 17013
(717) 249-3166
EXHIBIT
l~
DISCOVER BANK, by its servicing agent,
DISCOVER FINANCIAL SERVICES, INC.
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: NO.01-5798 Civil Term
JAMIE N. THEIBEN
Defendant
; CIVIL DMS10N - LAW
To JAMIE N. THEIBEN, Defendant(s)
You are hereby notified that on _U, (" S
(Judgment) has been entered against you in the above-captioned case.
. 20m the following
Judgment entered in the amount of$11.957 .49.
DATE: p - _<:',6 (
I hereby certifY that the name and address of the proper person(s) to receive this notice is:
JAMIE N. THEIBEN
785 TRITON ROAD
ATLANTIC BEACH FL 32233-3941
AI JAMIE N THEmEK Defendido/aDefendidos/as
Por este medio se Ie esta notificando que el de del 20-,
el/la siguiente(Fallo) ha sido anotado en contra suya en el caso mencionado en el epigrafe.
FECHA:
Protonotario
Certi:licao que la siguiente direccion es la del defendido/a segun indicada en el cetificado de
residencia:
JAMIE N. THEmEN
785 TRITON ROAD
ATLANTIC BEACH FL 32233-3941
Abogado del Demandante
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