HomeMy WebLinkAbout01-06090
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VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
PARK LAW ASSOCIATES, P.C.
25 East State Street
P.O. Box 1779
Doylestown, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
CUMBERLAND COUNTY COURT OF COMMON PLEAS
PROVIDIAN NATIONAL BANK
Plaintiff
VS.
SHIRLEY MATKINS
Defendant
NO. 01- ~90
C~u~CT~
NOTICE:
You have been sued in Court. If you wish to defend against
the claims set forth in the following pages, you must take action
within 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 WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, PA 17013
(717)249-3166
(800) 990-9108
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
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VALERIg ROSENBLUTH PARK
ATTORNgy I.D. # 72094
PARK LAW ASSOCIATES, P.C.
25 EAST STATE STREET, P.O. BOX 1779
DOYLESTOWN, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
ACT#:43l03907225002l4
CUMBERLAND COUNTY COURT OF COMMON PLEAS
PROVIDIAN NATIONAL BANK
295 MAIN STREET
TILTON, NH 03276
PLAINTIFF
VS
SHIRLEY MATKINS
73 PARTRIDGE CIRCLE
CARLISLE, PA 17013-8751
DEFENDANT
NO. 01- ~CYiO
C~t'( '-r~
CIVIL ACTION
1. The Plaintiff, PROVIDIAN NATIONAL BANK, is a national banking
association organized and existing under and by virtue of the laws
of the United States of America. Plaintiff solicits and maintains
consumer credit accounts in Pennsylvania and is the owner of this
account, which is the subject matter of this action.
2. The Defendant, SHIRLEY M ATKINS, has a mailing address at 73
PARTRIDGE CIRCLE, CARLISLE, PA 17013-8751,
3. The Defendant is indebted to Plaintiff on the credit account
by virtue of charges or cash advances incurred by the Defendant or
authorized by the Defendant on a credit card or line of credit
owned by the Plaintiff bearing account number 4310390722500214.
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
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4. The Defendant requested an account, account number
4310390722500214, which is owned by the Plaintiff, and an Account
Agreement was sent to the Defendant. A copy of the Agreement is
attached hereto as Exhibit "A" and made a part hereof.
5. The Defendant has failed to pay the amount owed in accordance
with the Account Agreement and has failed to pay the outstanding
debt as agreed.
6. The Defendant is indebted to the Plaintiff in the amount of
$4,117.49 as of 09/28/2001, plus pre-judgment contractual interest
at the rate of 23.90% per annum, less payments made.
7. In accordance with the documentation attached as Exhibit "A,"
Plaintiff is entitled .to reasonable attorney's fees, and Plaintiff
will incur attorney's fees in the amount of $699.00.
WHEREFORE, Plaintiff demands that judgment be rendered in
favo~ of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the
Defendant in the amount of $4,117.49, plus pre-judgment interest
at the contractual rate of 23.90% per annum from 09/28/2001 until
the date of the judgment herein, plus reasonable attorney's fees
in the amount of $699.00, less payments made, plus costs and any
othe~ such relief as this Court deems reasonable and just.
COUNT I - ALTERNATIVE
8. Plaintiff hereby incorporates paragraphs 1 through 7 above as
though set forth in full..
9. The Defendant received a monetary benefit, which was in fact
appreciated by the Defendant.
10. The Defendant accepted the benefits.
11. By virtue of the circumstances surrounding'the request for
funds made, the Defendant knowingly requested the funds at issue
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
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and/or knowingly and voluntarily accepted the benefits bestowed.
12. It would be inequitable for this Court to allow the Defendant
to retain the benefits of the funds or to be unjustly enriched at
the expense of the Plaintiff or allow the Defendant to retain the
value of the funds at issue without repaying the Plaintiff the
value of same.
WHEREFORE, Plaintiff demands that judgment be rendered in
favor of the plaintiff, PROVIDIANNATIONAL BANK, and against the
Defendant in the amount of $4,117.49, plus pre-judgment interest
at the contractual rate of 23.90% per annum from 09/28/2001 until
the date of the judgment herein, plus reasonable attorney's fees
in the amount of $699.00, less payments made, plus costs and any
other such relief as this Court deems reasonable and just.
PARK LAW ASSOCIATES, P.C.
BY'~
.
VALERIE ROSENBLUTH PARK, ESQUIRE
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
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
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VERIFICATION
I,
DELORES CHARLES
, declare that: I am
a Designated Agent of PROVIDIAN NATIONAL BANK, the Plaintiff in
this action, and I am duly authorized to make this verification
on its behalf. I have read the foregoing complaint and know the
contents thereof; that the same is true of my own knowledge,
except as to those matters stated on information and belief and,
as to those matters, I believe them to be true. I understand
that false statements herein are made subject to the penalties
of 18 Pa.C.S. Section 4904 relating to unsworn falsification to
authorities.
I declare under penalty of perjury that the foregoing are
true and correct.
Executed at Alameda County, in the State of California.
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Date
Designated Agent
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FlIlanciaJ
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PI_ review IIIiI ~ent and mp i1wilh ycur oilier Impctlalll pafl"". TlIis Ac:ounl Agreem8ll1 contains !he Ielms which govem ycur PllNidIan NaIicnaI Sank vIS}. or MaleIC rei Accc t
(1tle."Aa~. . .... ,.TIla... ...-..uallovis.. Y!'II.Io.. .'~.' byusingycurVlSArtMaslelCardC!'"l(th,'catQ')wherll'1erilishonorldindlogalcash~81. fromusoranyO~_1
Rnanci8I insIlIlllfInllld mAu_lIidTeBer MaCI1inas. C_. cIlIclcs may aIlIalle jlIllVidecllO you II an aclditional way 10 us.1lIe AcCoua1l. In litis ~on~ 'yoU'1IId 'v<liu' I
IIlIGh.P.~_'WlIhM ~a~ CIllIAccmu1L 'We," "our,' "m,' and,"us' III8IlI ProvIdlan National Bank ora ass:f':inulisled on ycur blll'mg $!allmenL Th. Ac:cllun~=
uaacI only 1iIr~, fIIl1i1J;IIai,Ii!llidd,and clIeritl1b1. pIIlJlllSII, and nol filr. any buaiJ!au "!' COII!~ pUlpOS'. .",", use ollltis t shaD conalituleacceplanCo of 1h8l8rms 01 Ilns
AgleamIRL ~ I!l*AccllulIlwaI/lltllldllI iainl_~ we may ad an IlIe ,",,1iucIIoriI aI tilhet JOIIlIIGCOllllIl1olcllr. You'and w. agIU II ~a: .
I'aynMnlI. You~ ,.ia~sIalam8llt sIIowingycurOll1l~ baIanae.,.ant on !his Acccun! is IiquInd ilJU.s. doItn (clIec:ks musl'b.payab!a.at a U.s. aItice ol!he bank III
GIIicilia cnwn.' .an);!..IiIr. at.Il8Il.'. 'ibe.../llInII'.' .)11.1_. II'.. ~. on. ...yctI!'~. IRlby Ih8paymantduedllleln=onmncewi1llpaymll1llns-"onycurmonllll'fS1llBmanL Th.bacIc ofycur
slllMllll1S. sIIawI. .'. 1Ite'llII1iIwtfollilll." ,WI_ M.a'_.1lI /lII'I1l\InlI. CoIlVInIanoe C/JecICI,ind other checlcI we issue 10 you mayJlol be USad. 10 maIce paymenll on yc1II'.. Acl:ount or 10 maIce payml
an any oilier c=unt,..hav.wlth'l,ISGI'lllII' ~ TIle /lII'II!I1Ill dlIe..m be: 2\1 al!he _balance shown t;n yaw' stalemanl plus !he IIDIlllIIl of ~l!ISt dlIepaymant, and may'lICluda I
-.uby _1II8..~~Y!liJrcle!lIl11n.. Haw_, !he /lII'II!Iant clIa..m not be,_ '11aniSl~ (!llIIISlIyaurn""bilancaialess IIlan iSla, In whi:ll_lh8paymlRl~will
IIle11i1alllllal!lni_ ~;If~.-w!iI past IiII or --1I1t ==aiIIllIne we may recpa I hi!Ihar ml/lllllUlll paymant, but wewilll1l1ilt you bef/lre doing so.llyaur llIY_iI mora
1II'/lII'IIIMll~. I;:'.. ballleled..,.alil!Gl.' '.pIylIIlRlllid IIllII8 alhil b. 10. awre payments _ W. may III;:8pt late orparllal paymanll, or paymenls IIlIIkIi:IlIId in AlII" or lIIado
. wi1lialllern .. . WilhaUflilsiagwdghtlai:ollecldlllllOlllltsowlng 1IIiI~ ' ' . , , '
W~ have _special paym..tanqemenll wilh IIi1IItr Firel Union or FtMIfan,,... nead ID contlIIue lIIeIdng IIIe agreadUJlOll.- '
P1_.. .C\IgI,.'" ..~. Illdesarloadln.IIIe.... GlUe. PeIladr.r.JIunlIaa. 8............ section.. .. allhls~. . .an~lInam:ac:helgts.~,. . 101Cl:lUI. onadellltwllen. ,lisim:ludecllnonealY!lW'dI
balRel!lil'~iUllIft,IIiIl,"" n'. ,Niliadbya'pIIyIIIWGI'oredIl. YUAa:a1lnthllllll8iijfalloWi .__ lb'~ ,lil!lm:LwlllchconaillloIY!lW'IIlislfngPtu;ha.8aJancl
andnawPlln:IIil'"IC' ......Md.,..rilrCeltalnapllGn,elSll.."'.Ull8ormore . , ,"h~Bli ". ~lIofbalanc;llllill III11n11irrlaur
1IIinf.~..iiiiltl..~..~;. .."...MwelJlnifir.. 'rilrYOU;IIidIll~IlI~ '1:oIlsisllofOlllor_'~...ilndQlllllctllnQ~_ya....:'-.:
-.uwe~ltiIt. ," f'~. anllrllSlllenduewil bll!lP~ lla\l1'llafancewiOl!he1Gw8sIAMual~. ~Bale[APRtllnIll1llatSalanc8~:: a
IIIen 1lI1h11li11ili1ca1\ilh IliiInaIIilWoiislAPR, IIlitilIlllllIlafance ill ZIIQ, and IIlan 10 any IWIIl8IIIIng IleIanct. W'IISIII/Illle riglIIlo applypaymenll ~ wiIfiouIlIIrIher neb .'
11la ~CIlloIit Cuh~I/IdCuh MJince Sa/anOIIlllredllcadbyJl!l'flll8llll1l0lllledeleiecelJad.llldbyClldli.. oflll8deleposiert. l'vlclIa;ure~ In ""ur
l'un:IIalI~..OfIliii; '.. ......., .CUItilmc:lllhi~1IIi lnc!ulIadinyaurCUllllm CuhActlWo 1laJanoo.. tol!oWI;AindallllOUOni:aII{banlmlll8dlooll1oilendlls IOtnniier
~.aor'lIlI_ ....;i:lial;ICsril.llWf1ir.ll8/anI:IS,liI aI!hedelepllllnted Ill.... Otherc:ul111lWtcas are ~ lnyaur(:asIIAlNance 1leial1ce.. &IIlaNo: c:ul1.....
r.OthlrllnAAc,iI.1iIItUil . ", ~Ta11in.Ila/ !he dale ml!la; cash acIvaIll:e~ OIlIde~IeIOMO!I\I1al1ll ~as c:asIli8I'sdledcslndmailad 10...'11...'
, __I....O(.....'diYii:;'"~. . '"" .'. ....> ,..-........ ail olllercl!e:ltsias bf1heclale "-.Iid 10.... OIIItr,cIablIIllliricladadln""'''1'wclIan CUsIomCah u, I'."'--_~"
. ~~.~"":a. GIilIi. '-'.,ia. ~"'~_.ii; adCladlOy1lur1'unllliae, CUsronrca..hActlance,IlidCalhActlanceBalancUii'ch day and are II1an posted":=;;:;"~m
biIUng_1liIi1tia'lIllppa.!odlilrcilltom_.......,....c:ul11l11ancas. , . " -,
To.M. '.'.. .....1 ..9l\aIge..Iv,_tlJIle alBaIance. we. staIlwilh..ycur~~aI~. ~aDdeblllandSllblladaDc:lIlIIlsror!hec:unantdayllldmuillplyllle. netamllwllilY~
tp~. *ld..@oWi!!g"'....."w~ TI1e IInanclt d!iJge Iotoachlyp. o........lIIan addId 10 and indlldocllil1llat day'sSalance. Wolreal a ciaiIl balance filr any...
_. .~...tilfliMiiiltiQl_~;~~. filr 111"_.' .cji;leby addfniI\Ogelher!he IInwo d1aIga filr adI..l'iP'ofSalaiu:li filreacll day wiIIIln II1ebi1lin;cycIe. In cal:IiIaIli
1ImInca.. .... . . ". ....In!viill.lltm...lbl:anyilansll:lioriorIlll'Jlll8lltthalwouldl1aV.. aIfec:tad!hel1nanoecl1alg'caIcuIa1ion. inapriorbUlli1acydei1llllilbeenposledlnll1alcycle. 11la
tpplli8lj/ii ..rilr 1Uch.lIanI8CIionivlllbe iIle ml8ii1eifaot filr IlIeCllllOlllbi1[lng cycI. ralherlllen 11I0 rale in Iifaoton llledeleofllie &waoIIon. .
Yours_..,U~ an avuagadllilt ~ filr lIIOIIlyp.alBelence. You CI/I muJl1ply OIICII averigo daily baIance!het is not D.o by 1II0l\lllllber of days In Ihe _~. and 1110 pll1i
=:: =~, IIIIlIllIenidd IhlsublOlaJs Ioglll1er to clelirmine ycurlotall!nancli c:/wges on IlIIencaS filr IIIe bilUng cycle. W 1= sa-. ~aI:llan Cae is c:hitged. 1Ilat emut
TIle Iarm 'Prime Rate" lIS usad in ui!tAgraemont mOlllllIlle hi!lhllllprlm. nile pIlb1Ishod In !he Wall 811ae1 Jouma/ on lite IIIsI business day al IlIe ~ caIel1dar month. "'"' Incrouaor
c!ecrel!n in I118AlinuaJPen:onIl!gll flaIi'wil taIle 1Ifacl"l'!he 1lr.s1 clay olycurbll1i1g _ and may lUIUIt In I slight increasl or_o nllle amaun! ofyaur minimum /lII'Imonl.
TlIo ANNI/AI.. ~c.em. JAG. e. RATE.CAPRI filr~" will 0It!Y andmay be.ted eec,h blDiIg _lip 10 t3.4lL aboya Prime ReIlt, but wiilln lIlteventb.1ess than 21.9%. Using INs
filrnwIe, IlleAllRfilr JllIIllIliIics In IllaMily 3JllObiIJIng_ is 214%, ~ 10. daily perioclc I;Iblalo.OS131%. '
TIleANNlIALPERc:!NTAGERATE filrc:asll___is 21.9l', ~ 10 I daily perlcxIo rete olo.08allIll ,
llwe _.. lie.yaur.... ..koo.... 1IIl. ..I...~.. .. l.tale2or more 11m. "'lnlllY. fl.monIh JleriolI ~ Od1llllrh ...~_~, on aaoh suclI_. we may Increas.lhl APR filrpurcllasos lip 10 I milxlmum. of
21.311J~tlO aMP!llildCratealo.'08384l1o~ anill_!he APR...lllIlI ..........IlId....lom....h DIIICIS lip 111 mllldmum al23.SlIo (o:oIlISpOnding 10 a daily periOdic II
g.a&f.~ Wijliii;yau ,..,.lIlaliiglllt ralefyoll!PJI'IlIIIIIIS ora l8C8Ned on lmeand you meat aU oilier lenM allIlis Agreement filr 3 c:ansec:utiw monilia, you may COI\tactour CIlIIomOl
8eMca d8parbjient1nd, el)'lur ~wewlll reuiawyaur Aa:otInI filr. possibll APR reGlr:IIon.
Ilallhlsllm.llleAfRlln ~ Aooaunl ha\/8~ Tncreasedbot:allS8yau.cldnot meot IIIe 0lCis1lJiiJ Iarmo alYlIur Acc01lnlAg/ll!llant, mlllllslillg APRs will con1inualo a1v. If you met
Ietms~~. .'.. . eot.'''''3.~.'''' ma.nIhe. .. aiulIau....tactourCUslomers..w:.. ~on. L wewiD....... yourAc:oUntrota,;aa;bllAPR rocI,a:IIon. SIIrlIng,"'lm;hCwevet,1
APlls .'flj 1IIe~~wIII_,lfyaur_lpaymonll...1OOIiveiI1ate 2 or more lIm",ln any6-monlhporlodslnCa Colobor 1, 1_ ' --,
a.... ~,foII'wdlaUBIlinclI.New~ posted 10 ycll! Aa:a1lnt In biIIlnI cycIos 11I11I"; JlfI\IioUs tiaIal1l:e; orwilon IlIe IlI8\IlOIlI balm:ewos IliIyllBil cblng !heoydo. =11011
111_1 &1anl:e~ujjlil.lhe. sl;irlal!he nlxl billlng'cycle. You. will pay 110 IInancII i:Ilirg. on such naw pun:llasu ilycu pay 11Io fotaI nllY baIm:e In 111II bY Ille paymlRl due dato shown (
)'lUlstalomll1l. New puri:Il;IlIeo~1n anyotllatbil1lllS _ inevt.lInIncoc:ltargo, and I/In is IIllperiOdlnwlllchllldlpuiollosumaybeltPlidwiU\lIIIIinI:llntng a lInance_..
...... WeIll!lY.' c:hoIge... .you!'. .Acl:QuntSlllbr:aaclI.Cald,....alcllllll~oach. retumed. paymenI;.. . _oheclcyGIwritoon~Aa:a1lnt.lhatwe. IWIumwlpllid:oeclIllopJ!llY1llanlrilr'
renoweI all1lcll.. oriIei:eei:h~~ wlIIiin 'll1Ilch Y!lW'A=IIIlIIe cIaI1n!IIlonl{taIe cIl8Iget and OIICII billing oycItl willlin whi:h yo,vr baIm:e ....l"ur IllOdt IInI ~ CIIoI......
yaurAol:ount. . is%oild..... lfylili~~,oIbi1i1)gSIil.lenlemlRlllllllllworel!illlnnlIOYOUIllO/O Ihan 1Iuie_1I\I UIIlor, wemaydlanluhalll:ling letofS2filroach _~. Wyou 10
lIlaIwelllllcilli~. 'lIlI_liC.iiililiniWmyCwpellOlllll clIac:king -~ we may clieI!I8yaurc:redl c:lIIlI_1 a let of$4.S51or _..p.est. TlIia let Is a flNAllCE CIIARG&;
itwl_ regaldeaofWhliliat'ilIiIii ate MiIliIiIi In ycurpGOllll c;lIioIcIng a=unt III meIce lI1li paymonl. .
We II!IY ~'lrwadIOaIrteol~ (mi!1/!nWn S5). wlllcll is. one-1lm. ~Cl! CIlARGI, on 1he amount aI aaclI c:asIIllIIInoe, IncIlIdng c:ah IIlm hIlcIaIlnslilllllons"andA1'Ms, "'"
, Irenslois, -av....liltttry lIakIlw,......glIIlln9... and sinier iranaI:Ilone. . , . '
Daflaft.. .' YlllIwiII..... be.ln...d8ftwIt......if.~. '..1nIiIrmaIlan.ts...... '. .l"f:l.... .Pfl!Vic!edIll~llIb.lnc:omp/eleorlll....:ifyoqc1anolQllll)llywllll..,IIIrl.t4I11i1Apment;. . ,,"".'fCIlIrc!lelh,banIlrql. ~1l:y.Gt.
~lfYllllc1alllllp!'y. .' '.__ifabaallrlllploypetiJlonlsllflllbyGl'apjnsll'!lII;orh'bellM1riglodl'aillllllel\'lllllll!'l~r:tI'I..~~obIIgaIIo\lIUnrlaI:I!lis
, ' ~II\L IrYi!ll. '..In ililllllil'NI...,.,;.'IIlItiiluIlliltbllclellIarid oriloti:e, cancaI yoIl!_t plMlQs. c!adare yaur.ACi:ounlbalan:e1llllll1!!lfll'l U aniI I/IdllS8l1lf lIIIIecljw&a
...... Inllle erialalyourlliflldl, 11II ~ baIiIloaon yaur A/lc:oIlIIIahaI Clln1lmle 1Il_1nferesIalllle APR(s) dIIdoIId In IIIe FlMni:e Cl/IJgII HcIIon of ItiIs AgiIemenl..-
11M Wqlll coIeCllhe aMIIIlIyau awe. . ..." . .
,CmoIll.. 1Jne.. .YIlU'..ciNdlt1lneia~.froal mllmtllllJme. in a sepnlenollce. YCIlIrIlJOII\I1Ivslatlemtnllsliowyallfadllnel/ldllle. amount.. aI'fCIlIr. eveiJabllnIl. w.may. 1iIcrIISt. or
cIaoteaseyour_1Ine~0Il~ we obIained m,... erYG'!'CIIliIltl:dnlL YourMileble ad ianolmafty lh8~b'MIan yaur credtllne I/Id~ Aci:aunlllaflnc!s
!lIlclIdnII'~~or~bulnolY8lll!lltad). If,...lindllnbugepaymeotohedc, we mayllmilyouraviilablocreill'llliile'/leconarm IIIeI \I1.cbeclcwilc:leet. Forcwtsill
franaaotlinI. ~.aodl maybe IIsI. You will i10t us.yaur kcOlI/II filr,l/Id'NI map IUlleIO 1Ionot. any InlnUdlan wlli:h would_you 10 .....yaurlllljliblecredL
Praads.. Ji;1y, 'You prQllliae III pay Ilnhenciae Ii IIIIOlIIIII bomlIHdwllen you or S!lIIlllO/l8 aIse lIlI1Iyour Acr:aunllll'ltli if Ih8 amCIIIllchaJgtd IlO:IOCII ycurponnimon}, all oilier
.....1Ions aitiI:~ la your Ac:O\IIII, andoolldon _ w. inevtindlldlng, but i10t Ifmilld Ia, _able aIIorney'sleel andc:ourt costs. (I1;oau win \11. suIl, we wilJliyycurrtUClaabl
allollW/lleelllild c:alIrl oasts.) , . " . ,
Changea. Mer... PftNlc!a you any /lOb I1qlirad by law, w. may dulngl any part 011his Agreomeot and add or lIIIIave rai;uiramlnts. If I dlangeia made 10 \11. F1nanca CIwg" secIior
Ihls Agreamll1l, IlIe new ilnai1ce <:IWg.caIl:uIalion W11 apply 10 ycur IIIIft8 Accilun! baiera fnIm Ih. olfedlv. dale 01 !ha dlange. Changes will applf to ball11C1S that Include nem. ,",slad !II
A"""",,l b"",..Ih. <!ala .'Ih..chan.. and will applfwllolhar or not you c:onl1nu8lo us.th. Ac:::aunL .
Fanlgn l!:It:lIanaolCurront:y ConYo..lon. Wycu llIIyctI!'CaId for IJansadlons.1n I CIIlI'IIIC'/ olhOllllan U.s. doItanI !he lJansadiont wm b. Cllnvarled 10 U.s. doItanI, ~an.,.11{ using~.
govllllmllll'mandaledrate or (ii) wholesale market IIl8 n tiIec:Ilhe Cay before 1h.lJansaction Is PfIlcsssed, incrsased by IhI" .0_1 (3%) II. ctedit ia subsequenlly gllan Cora I_ac~:
~l!..~~~.~ !'!!. ."!"~ p_1age. TlII CllllIlIC'l ~n IIl8 usadan Ih8 conversion dal' may dilfet Irom IIIe ilia in.....1 on lIla <Isla jOu usad ycur Card. You agrOlIo accep
,-,,~~~ "'~~,'" ,~" " ..."-...".~.,~~"",,,~,~~l!jl'-'!'iIlf'Wjjllj~~"""~""f""l~""".='"''',~.-,rr''~c''''r'']T''rL''""'mP1"""f''''''~I~r~W~!1~
f"i'~jYti1\fr['! 1'1'1'1"0 ,0_
The Can: CacaIIatlan. You may c:3IlCIlI your ctd JlIMI'Ilos at art{ lmIe by nclI~ilIg us m wnllng and'~ng !heClIO(s) Upon IIla Call! ellP!IlICe 111M nr 'Ih....anlh .hown an d
t8lIllI\I' ih. nghl/lOllorenlllV !he C~ We may canc:.sllheCald and your crOdil pnvllS!les lI,any 1mI. after 30 clays IIllIICe 10 you. at wllhllulllll\Jca if fl8lIIIilled by law. It your. Call!" cancell.!
/101 r!'fti'Ned.lInam:e c~" and oiher leas 'HID CO/Illnu.1a b. assesied. paymenta will CotIIiJIIle 10 b. due, and all oth.r Illphcabl. jllO\I""llS af Ihe A~mlll1l wiD remain in .ffeet. I' you
IIrminata yourcredl,t plNlligu, at it we c:ancoI ar do nat JlIl18W Ih. CaJd. you m~ nalonger wnle chet:l<s on your Account, aJ1d you sI10uId dasllay any unllleQ d10dcs we have is.uod Ie you
"-lIIIlnfellQtlon; Documents. You wW ~ us atlas! 10 days n~IIa"'you ~ your name. heme ~ mailngaddrul, teI.phon. numb.la, ompiaymont or Inc.me. Upon our
reques~ youWillflllllliPe ua~nalllnancial m(qnnl\liCn. W. ~1lV.!he nght 10, ilbtain InlOrmallcn ~m Olhers,includJng ~l rapatlillgagenciu, and loprovlda your l!ddtess and informal
abOut yaur~, Io:*rs.' y('JTtB'I aim !tharelnfrirmlltmn wllh,t!.ur ~ffiliates. Rawl!lUer vau mav write fa us at am, 8m!! ImltnJeltna u! ftIIt Ia shari eradit-Infmnnlltiqn wilh t1ur aifiliall!! If 'J
do nol ftJ/lI yourolllJgal1cns IlIIiIII1hiaAglHl1l.n~ a negalN. crediliepol! Ihal may reflect on yourcradil may ba,ublllllledlath.credil reportlngag8l1i:ies; , .
ClIstam.rs.m. ce:. U.llilutlI...rfzed... ....U.... LalII,. .' orThd otChoc.1aI0rtb. ~rd. Each Card mllllbasigr!edonrecaipt. Y. ouare.~ollSlb.la.fo.rsalagua. rdng Ih. CiId, your..1'e Per.lanalldsntilic
Number ('PIN', .'~ ~ Ia AulmmlledTallirMachines) ami any diodes issued 10 you rram IlIeft, and koepIng yoUrflN separeI8.fram yaurCaid. It you disaMt at suspect thi
~ C~~IN"Il!:!bYlII\lj#edcMi1lcaiare IGSl at s1a1on, at IIlaIth..re may be.n Ull8U1IIa~ ira!lS8C!l!m an your Aceotinl, you YIIU,eramplly natfly us by caJ11ng HGQ.I33.~1. 80 we
immedliI. .1IIy~1o..:1iiIi.'.. U.. .Ios. .' ....Us.' .~~. .lLY, you WIBP~ane. us.oven IhougI1 you may ~ notfly ua in wnUng, Your l1abililY I'ar WlIU. ihllliztd... use Olii:1irrfng ijeforeyou IIllU" III is rlJlliled Ia -G! ii
lIflC/l. or.SliSIl..\!rnIIlQlCriad'uileOf~ AGcaun~ we may ~yaur ClIliI pnvD'JISI unlil w. ~ the Il/llblem Ie aur sallsfacbcn arlaua you anlllV Can( It your Card blosl or
s_youWIII~dllil/lly all Cit_ in yaurpcaeaion. To impravtCllSIamarSllNlal andsoauri1y. you agtU ~yaurcalls may,billlOll\latecIorrecaRlad. '
.MtId1antR.-a. .__ we'Willnot'b1I1Iab1a.. a~any 1l'fSOI\.. or. AlIlamlIledTeJlII'Macllfneralll8es'lohonar.!heCardar~lyourdllclcs,atfails Iorelurn !he Card 10 yo.. WehavenolllllClll
l'argaacls and"",lIUidiaUdwilll:iMCIId atclleiiks oxcaptal *llliredafby ~~~_ SpedaJRule baIow.l CIlIain binafilS IIIal are available wilb IIla AccaunI are jllO\Iided by ~
vrin We iIlt Illifrellpallli\lle I'ar 1Iie~1y. availiIbiIily, or JisuIlS 01 any, IIIe .....'!'"" you choaIe 10 use. '..
Sill, JIaymelIl,~ltyou wish Ia sI!lP,IlJI'imIlllOll.-' YIlU may SIIIIlIusa~p JlIIYIIIenl aldar llYwrilfllg to lIS at our Il!dlea far CllSlamarslNlce listed on yaur SlalemenL Yea ca
make a SioPmllll,_.aiaiIy, l:ly CIIliIig1lli number 1litIll.0Il yaWst;jtemenL, Whon yoU make a sklp ~aymonlan!or, you mllSlJUWideyollltA@lnlnumbllrandap_infonn1llonaha
~.......IlIe._.'........'...'~.'.".'.'..'..I.. ~1..dlll!l:C/I~,Cit~1lIi~.a!IIIe."I: .1a.WhanlllV/U., ~,\lI8nam.o. otlbi~. ..who.'.'~it,. and. Uie~numlllr. ,,' YhavauWill~~loaanfinnai
lII:ip'l!'/lIIfi!t.._:m~ " .,:'''.' .' ..'.. ,0 or.,we en..IOCIIV...an"'"''''
~Qfllilltim:Io'IIiit-';cIl/I\bjUto" ....... l1Gl ..,. e. V/lSpaidbyllS re we had a reu. .. .lIWIilylaaalonIheGRlor. We -;;ru;c
llabilllY.ctmgaId.~stqipayjliillllGRlor.IiloIl1hs.racaiplunleam"flllllW8dDlwn'ting. , .may,
S......of ~h:auseJt/!l~ invclvosllaiJlcredIl CllIllllllddleck ~ whlcll are pn:cessed IImIIIgh sapIIlIle nalIanal ayolalnlbe/cre!he'1ransaaIIont lie oa/IIIlIIdaIed b
'amlblIcaun,~""",,\'" ,..... 'IIlPWillbe_toUl,.~lnyallt"""'lJIItwiDbejllllClllSeQmecI1ani:iIIY,"lII011tn~lIy~~ItenI. bur~' .Ie
ClIII aur__1Ilri i!""lIiitwill8llilaline. WnW_mall ~'wh.n YOUlOlllllll/lalyaurCan{arc:ll__.baitllalt'ellslllliil. WadonaUntend~'%
-ii!eoll:iIIiIis. n'ljpIIllfwedOnot olD SOl. 1his JUIa IlIIabIiIIIH IlIe llanilard olllllinalj Cllewhicll wein,"!aiIh Will ~.in.iJ\Iaildng Your Account. Boca
afour 1ImItliii'., '. .. '1\iI!1Ilir._IIod~narCaIl!lJansaaIIon lllaswill be retumod Illyouwilbihama~" 'flIU.liaUldb.~lliIlll'erillrall dIiIclcsin youl
-!'9!J~.jjIf/. "',~;~o;lIiom. 'tQ!l,iIl1autdalsasavayourCldCllll cull acMun:e and~e,sl1fls. Yau lllIiliollllihilOliVtlUtri\qJ1lhil slalomonl!f olllll"lvolltra<otd
W.hvofCa~_.' W'lII1'Ycl!llaYorw8lVeen~atart{pravislan. .atthis. Agreom~willlcutlcslngourriglltloenfan:oilar....,olbll'jlMlIiliariliter. You,. Ill. right Ie
presenlInor1I, dlniand; Jlnl"ar Mlhie or clsllaliill; art{ applicable'lIIIIIe of lImi1atlons; and any right you may 1iIw.1o require us 10 IlICCHd againslllnyOlllb.rort we nled agaiJljt you.
I Afl1IIlaUIOl~~1lIllM A.....n...n!. No mallet" you ~~~,. . ent and your _unl... gavemed l!1 redeliIlawand by,Nawllsmplhlrelllw. This Agreoment in IInaI
, . ~at8\!i"""lti~l\'and..lI!Ilmay,riGlll8:~ ~atany . .' OIIIagraomelltlt.~lcna/~A9"tilnlishOliiJi!bairivalldar.1lIl8fIfajQ
I yauand~~.,.~.:..'.'~ifll!l'l. .....litim~IIedIOCllftI'oni!;liI.._.....o.i. .....!.fW... .!he..r=l..at.lhap=lAlbe.~. ",,;rt.'liB'.ljoan. 1oIllOibIi. . .AlanyIlmU.fter . we.. .....;cI\I~illalngiladft
, lIlaIanyll'i'IAII'llI: ~1"'!lJIioiI,'llilalYactlon ell" . .-anhas)'endemdPmaytllld8ranymatirialplQ\jlslilllslltthis'~antlnvaliclarUlltllI'oiaaatlre..arim
I . 1nc:ieaUil. .' '.. .Ilix;'. '. ..... .,...~'.~ ar:'bIjJdiln In ~.' '.:' '............-.iWh... ~.uchplllViiionar'l\s onfan:emen~ wo may, eftereU~311 ~riallceloyolll, arwiIhOUlnOtiC'lit~:la
- cancellIIe,Clid' . "'ycUrCildltIl/NIIeg8!I. W.lllilYlrInlIlirOl'~aur Iiaht 10 iii ~rsam. otyour paymenlS. Ihfala law taqIlII8S IhalYGU'faive nalloo afsuch an "'.nIle praleat!he
pun:IIeser ar8liiilgiiail. wentay'giveI Ylluuch Rilb byliDng,~RnIftcilg II.i)omonl VIIU1 1lI0s~ Ilocla1aty 01811II., . '.
Noll.... 01111' noIIcss layou ahall'ba etroctive when ~In Ibanlal~ Ie \'Oil a! !he iII!dres. shown an ilIlr I'OCDlds, unlees e!anger ncbpedad Is l!*Ifiedin II1Ioi Allre.mOl
by law, whIciI period ahaIIelart upon mailra.. NotIae 10 ua liIIaII be",eIed 10 ouraddlUs liri;lllllomll' Sllllliaaan your slalem..l(ar othll' addrems we may 1JlIC!"1 and shell be .Koclivn
we IOC8iva it. ' .'
YOUR BIWNa RlGIITS _ KEEP THIS NaIICB FOR l'IJTURE usa Thii nab canfl!ini imrlarlant inl'armatlon abaulyollt righlS and ilIlr IISJllInsillifllles under Ill. FlitCrecIl BBlIng ACt.
lIJI.rItt.u....fn... .~. ....,..oIEmJg. ...ar9~~.. _.Aba. at. 'fa;" m.1L ~~ou')hiIIIc. ..' 'fIl.'ourbillll WRmg llf ~you neod more .inlarmailan.. about ;lIlY.' ,'1ransict. Ion. onon.. .yourblll. ,write usa. n.. a.._ Ie 1hllOt, a
oddnliIillat..rIn'IhaSJiliil!i:llJghll'S\llrinUlJyan ~bD,Wrilato",jl!tlllOD- possilile. ~'lIIUlIth_ ~ you 110 later Ih8JfSll. """ufterwo sent yolu!he lUst bill on whIclI lh. encr or pr
lIJlJle!W:L YQucan'~ii/iifiIlI1. ii!i.ilfii dali)gsoWllnDlpllSONl ~Is, I~ your 1!IlIIr. gNO uallll foilowing IlltClnnellon: - YOlirllllllll ~A...un1 numb.r. - The dlill.",mount .rthe
SIISjlICled lIIIllr. ..; DiiiCriIle'1he onllt lUIlI illiJllaln, ~you ain wlIYcY\wBliie/.lI1ere IS iII>....... Ilyou need mare Infonnallon, clIlscribe IIla 118m Y"Ilelt nol sure abauL
ItYOUh."UllllOrized. '.. .1lI.. III. ,.....l!Yyaur. . credIl.canI.blllautomellcaByhm)'G!lt., .i:hocIdn. '. g-~youcan.laplllellllYftl8l1tonIl1YInIOUIIIY"Illhinlclswrang. TOllaplhapeyment,yourletler
~ us UN boiIineis .~Ihe aulllmelia peymeillls sCheduIid Io.ar:cur. , . "
Yo... _Is .dOilf.RIll/!GlII/b/I1IJ.,Atter- We R... YourWrllterl Notfao. We mllSlackna.vlec!gll your Ialllll'.wifIIIn 30 days, unIea.8 havec:arrocll!d Ihe _by !hen. Wilhin SO c
....1II1IIl. ...e1Il1er.GQIll(I;t.....' .1lI.'.'*.OrE".... . WhywilbellWa.' ". IllebiUw.__ Afterwe.receiv.yourl_,woca=tacollaclanyamauntY"llqu..ti....arrepartyouaa.deIInquon. L w.
~lolllllyii!l'lilril1ifailhltllir "Illln, 1n1:IUlingnnancecllalges,andwecanapplyanyllllJlllid_ . yourClllltilb. YGlIcIilnotllavalopeyanyquealionedamounlwhil
l118inveslfgl11ti1jblll~araltill' Iepaylhe_afyourbDlihol~noIlnqueallllll.'," . .
Ifwo IInd Ihat ,we made a nila1ake""yourbill, you wID nOIllavallHlaV anyllnsnoe c;Il8Ige releled Ia !Il'f questioned amDUJiL 1t....1fdn'I maka a mis!l!/le.Y!1U mayheve 10 pay JIneni:e aI!mll
andyou......hi,u.Jle,lIp lhe)II\ISaQfl1IYIIlll1llan IIIe queslfalied "",aunL lnolll1olt caee, w.wjhonllyou'.sII'""""t,at!heamCilnlYGllDYojliilitlhecle~,lI1ar~!s!l!Je. llyou lIB lap'
emauntwo lb~iYCU. ". _,.....Iilay. .~yt!U iIs deIinquoliL Hl!W8v<<, ~our expIanalian does not ~ and yGl!wriIII lo.lIS .wiJhijt 10<l!il1li1!l1illi$1ha1 yau~tIBre~.lapay,welllUll
8lIyonaV/8!'!PDifY'!l!ID. .ihIt ' ,Y'it!!Iilill1lori'.blI. AiIrI;...mllSltellyOulhanameatanyanawe Y!1U ill. W...aslllllllnyOlllwilI1pldY"llIo IhiII!hemalllll'hnboen ieltIedbel
lIS wiled _Ii. Itwa dori'fl'cllo\vlll...... we DlIil'lcalleat IlIe ifni $SO at !he quealfoned amaun~ ""on ~yaurb. _ _ . .
spOCW.RllIt.lar......Credlt... . CW/!UtrIIraJ.. ltytlU. havla~. wilhlllequall\yotiSerlyorservlaeslhetytlUjlIIIl;Iulsldwlll1our.CledlaardandYOUhave.. IriadlA!Illedtaithlacorrec
willtlhellllil:hln u . 'nathavelo. Iberemairi1nOamauntClaClll!he' arservlaes. ThIII8arelMlllmilliiionsantllisright (o)umllSlhavemadelh.pulcIleu[nyo
=Iefe. ar~ncih~ltl1lk~=... wiutrtlllmiles a/'/CUtClllllllt mailing ; and(bllhe pun:l1as. plicamvst lISve boen.....1hen ~. Th_1ImiIaIlads dD 1101 apr:If ~wo
or operale Ihl, D1oa:lum~ or If... moiled you IIle edueIIIamlllllirlhe JIlIlIlIllY at SiM.... .
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SHERIFF'S RETURN - REGULAR
CASE NO: 2001-06090 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PROVIDIAN NATIONAL BANK
VS
ATKINS SHIRLEY M
SHANNON SUNDAY
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
ATKINS SHIRLEY M
the
DEFENDANT
, at 0858:00 HOURS, on the 30th day of October ,2001
at 73 PARTRIDGE CIRCLE
CARLISLE, PA 17013
by handing to
SHIRLEY ATKINS
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
3.25
.00
10.00
.00
31. 25
r"~~'<:~
R. Thomas Kline
10/31/2001
PARK LAW ASSOC.
Sworn and Subscribed to before
me this
90:::
day of
By: ~dYlYn. rSWld?-'f-
Deputy Sheriff
lU...~ c2.uv/ A.D.
C)rv rZ.7hdl- ,-r<f"
prothonotaiy ;
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VALERIE ROSENBLUIH PARK
ATTORNEY I.D. # 72094
PARK LAW ASSOCIATES, P.C.
25 EAST STATE-STREET
DOYLESTOWN, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
CUMBERLAND COUNTY COURT OF COMMON PLEAS
PROVIDIAN NATIONAL BANK
Plaintiff
VS
SHIRLEY MATKINS
Defendant
NO. 01-6090
STIPULATION AND SETTLEMENT AGREEMENT
ANn NOW, this 16!!! day of ;;:.11.....'), 2001, this stipulation is
between SHIRLEY M ATKINS, the Defendant and PROVIDIAN NATIONAL BANK ,
the Plaintiff, and all parties hereto have consented to this
Stipulation and the parties agree as follows:
1. Interest will be assessed at 6% per annum upon filing of this
Stipulation and Settlement Agreement. Defendant will pay the
balance of $5,168.24 plus interest at the contract rate of 23.90
percent per annum from January 8, 2002 until the Stipulation is
filed.
2. The first payment of $150.00 is to be received on or before
01/25/2002;
3. Thereafter, Defendant will pay this office the sum of $150.00
on or before 02/25/2002, and on the same day of each month
thereafter until Defendant's obligation including interest and
costs has been paid in full;
4. Defendant will make your cheeks/money orders payable to Park
Law Associates, P.C., attorneys for PROVIDIAN NATIONAL BANK,
and mail all cheeks/ money orders to:
PARK LAW ASSOCIATES, P.C.
25 E. STATE ST. P.O. Box 1779
Doylestown, PA 18901
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5. Time shall be of the essence so that in the event Defendant
does not make any of the requested payments in a timely manner,
this Stipulation shall be deemed to be in default and Plaintiff
may proceed to file judgment against Defendant for the remaining
unpaid balance upon the CONDITION that Defendant does not cure
the default within thirty(30) days.
Park Law Associates, P.C.
BY: I ~ ._______--
Valerie Rosenbluth Park, Esquire
Attorney For Plaintiff
BY: 4,,/C2L
Grego . CUtler, Esquire
Attorney for Defendant
SHIRLEY M ATKINS hereby acknowledges that I have received a true
and correct copy of the Stipulation, ratify same, have had opportunity
to consult an attorney, and execute this Stipulation willingly, and
knowingly, thus that it shall be made an Order of Court.
KJj~"ir ~. ~4~
,SHIRLEY M KINS /'
Defendant
E-1
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE.
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