HomeMy WebLinkAbout01-06328
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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.
R CRAIG KEEBAUGH
Defendant
NOTICE:
No.DI -te.2;).f
C,u~l~~
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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VALERIE ROSENBLUTH PARK
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
ACT#:4428001582302752
CUMBERLAND COUNTY COURT OF COMMON PLEAS
PROVIDIAN NATIONAL BANK
295 MAIN STREET
TILTON, NH 03276
PLAINTIFF
VS
R CRAIG KEEBAUGH
5340 OXFORD CIRCLE, APT 39
MECHANICSBURG, PA 17055
DEFENDANT
NO. Dl- fe:,3J./f
CtufT~
CIVIL tCTION
1. The Plaintiff, PROVIDIAN NATIONAL BANK, is a national banking
association organized and e~isting 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, R CRAIG KEEBAUGH, has a mailing address at 5340
OXFORD CIRCLE, APT 39, MECHANICSBURG, PA 17055, .
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 4428001582302752.
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
4428001582302752, whiqh 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 Ifailed to pay the amount owed in accordance
with the Account Agre~ment and has failed to pay the outstanding
debt as agreed. ,
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6. The Defendant is ~ndebted to the Plaintiff in the amount of
$5,335.21 as of 11/18/2000, plus pre-judgment contractual interest
at the rate of 21.99% 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 $907.00.
WHEREFORE, Plaintiff demands that judgment be rendered in
favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the
Defendant in the amount of $5,335.21, plus pre-judgment interest
at the contractual rate of 21.99% per annum from 11/18/2000 until
the date of the judgment herein, plus reasonable attorney's fees
in the amount of $907.00, less payments made, plus costs and any
other 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, PROVIDIAN NATIONAL BANK, and against the
Defendant in the amount of $5,335.21, plus pre~judgment interest
at the contractual rate of 21.99% per annum from 11/18/2000 until
the date of the judgm~nt herein, plus reasonable attorney's fees
in the amount of $907.00, less payments made, plus costs and any
other such relief as this Court deems reasonable and just.
PARK LAW ASSOCIATES, P.C.
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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
WIL~ BE USED FOR THAT PURPOSE.
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VERIFICATION
HEATHER KOOREMAN
, 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, i
t te of California.
Date
Designated Agent
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RECEIVED
ZDUI MAR -2 Prl 4: 05
BANKRUPTCY f
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. . ~PRe'fVft)IAN
FlI1lIndal
Fravidlan Nallcnal e.nkVI~ar MasIalCarclll ~
P1fl1!' revlaw Illis dacument and lceep ~ willi ycur oIhet imll"rlInt paJlors. This Acccu/ll Agreement ccnlalns IIut lenn~! HglB rr~ ""
~",!I'). TIle Acclllllll aJI_ ycu 10 maka purcllases by ug ycurVISA Of MaslelCaal Catd (th. 'Card'] wllerevor it is hana~ Ie~~. ,~ss K:!:.':1' Ol'MlI~um.;ard Accllunl
..... IIIs1iMfan aJld (ran Autamaled Teller Machmu. Converlfene. checks may also.be PlQ'Iided Ie ycu ai an addilianaJ WI Ie iii. Ill. ~ In ~isIAaroom. . "I"':;" us.! ~I!Y.' olher jlaI1ieipal
-'~_n farwllamwehaw llpII1eda ottdtCatdAcCllllJlL 'WlI,"'our,"IlIIIS,'and'UI'IIIOII1PlCVidanNatianal Bank crils .' , 'lied" 'b,IilId,"'" ~u: and 'yair' mesn
~ far!8/SGnal, family, hu&/ldd, and charilabl. pulJlOSlS, and nol far any busiI1- Of ccmmwil ~ulpol.. Mt us. 01 ==:Sl\1.:.rw~~na::=:r~ Th. Acccunl may
lilt ~ IIIe Acccuntwas GIlIflOd as a joint accoun~ WI may act onlh. inslrVcllons ohilller jcinl accounll1cldtlr. Ycu'and wugr.. as fcIIM: . lams 01 IhIS
Paylo~tt. You wiI racoivu IIIOnIh~ llalement shewing your culItancfng baIanco..Payment onlllis Acccunt is riqu;red in U S. daIIars (checks ' b _I.
:':'11 chwn on) far at !eIII11he payment dlll as.shawri on yourslal8l!lent by 11Io paymenl dIle data In accolllancl willi paymenl iilslnli:llcns !lli m~ =,"sJl.:.~'~lho bank Ihl
IlIlII/lcws lite lUlls we Iollowwllen WI post pay_Is. ~ dIecIls.1nd other chocks WI ilSUllle you may net be Used lemlklt P..,m.nls' .' , , 'Accoilnt ~ ctyw
on any 0111. ~lyou have willi III crOut aIIII1oloi. llIe payment dIle will be: a 01111. newbllanco shewn on your s1atll\lOlll pl!lI.. 11Io. am. G!w OI~I.~ J:p.ymoilt, 2:,!D m",!" payme
IIIIlOUIltby W/li:IIIhe.... baIwo exceeds yaur aodlllno. f!cIveoN, ill. payment dllt will net be loa Ihan 515 f!'riIea yaur now billnca is llii Ihan S1~ il1 wllICII' ". lite "',.. may Inclailo d
IIluIIOIllItct1lnl JI1lW 1loIollco).lfyollr Aci:mml is past dIle or ~ 11Io CIOdt Iino, WI may roquito a high. m1llimum paymlll~ but WlwiIllllllW yoU llefC"iddaig m...., '" Il/IYntonl ~ will b,
~ ciIe,.ftwilll!t lnIoled as a IinQIt paymlllt ",d_ ollt'l1_ be ailllIled Ie ruJuritPIYmllll1s _ WI may ~llaIocrpenial"""monls;ai'''''mll\ls'''.''.~~~ IS~;
. ...1 olher IIIblc1iont, wi1lIcul klIi!'9 u right fa i:clllIlll III amOWlIs 0WUlll undai Illis AQrMmonL . . ,., '.~' "'~- ..... Ill... Of m:",_
If ycu have mllCIo IpOCIaI JlIIYment IIIIqOIIlIIII1I willi eitller F'lISt Union or Fmvidan, yau need fa ccnllnuo molcing 11Io agreed upon payma. . .
!!..~ CIIugoo, Ea:orot ..dacribed In 1InI_ Ptdcd Rlt PurcIluo hlInc:o slIlllIcn ollllls AsJ!IemIll~ ....... chIoIga bogijIla _on a dIIlltwllon B is included. . in. """ of dai
......... and=ntinuo unlillhet balw:o IIIedlicodIly a'payment or credil. Y01lI' ACCOllIIl has Ihe l'oIIoWibollnCOS: TheR~ wh1cll CllIlIisIsOltllisllniJ PiudIou C
!'I!~~ malcewilhyourCald Illd IItsIilrCor1aln optIonollllVfcao: 011. or 11IOIO Cus!ll ash "':'::n "~." COnsiIIs ofllllailca uC""yw lranirot Ia _.. Ac=tinl
-......... chec:lcsandtioloncllllhotweiranslltferyGU;ondlll=---ceea.w _Is ill .....:iI!ItonceIilldc..lucl........iIIllIiI:Iic reo.'-- .
=wellllllivillllat__1InIIlnancachol!lor 3IIiI reo. ~ dll..i11 . bO 0Rl11,.t1illl Ia 1lI.1lalarIco wilh IIut lcwistAlinuol ~~t \#llil ibotnBa!alica'V:r: '
Ihe S8Ion:a ~ Ihe IItIllIcIM APR, lllIiIl \lIo! BaiooCI III _1II1ll1hon Ia any ~ BWco. Wo ..........IlI. riglllto apply payIIIOI\ls , wllliQlI/ftrIIher l1Ilti:o. .
~~~~ Call Mronco; iIId Call AclIInco SoIancoo .. ~ IIy paymllllls ... ollhe dolo _Ned, "'~ IIy CItlIts'... of ill. doloposled. ~arolnQuded. in,....
r~_......... ...01111. dalomade. Custom caslt __ 111I included III yaurCllshlrn Call AcIionc:o SoIancaas raJJaWs: ftlndu aI~ lnlnlmillodleolhei IIIIdals Ia mIot
~~, II of 11)0 data lransmil!lld; clIIcIcs Ie 1ranSfat.IlaIoncU," 01 IIut dolo prosenled Ia Ill. Olhor caslt acIIsncq .,.lnc:IIIdad III Y'!ut CIsh AiMnco' Saloaco iIslaiioWs' caslt.....
....olher IInoncial insIiIutIcna and ilWIIgh Autamoted Tenors, ... 0I1he data modo; caslt acIIanco chocIcs ma IlO'/IbIe Ie \'OIl 1I1el.. idendilfdils ......s ~ Ond meDed to ycuat
' . ',I1t~~ as ct...en ~ after lhedolow. print ""Ill. cIle<< al oilier eheckr; as.llflhe data ~ted Ie us. Olllit.dIbIls 111I indtlded III ycur f'Iochos. CuIIciIt Cah~ or~
. .......biJ... c:o B8IMco~ oIlho dolo p1lSlOd. F'_cIlatgoe.. addacIle yautPUlClliso. CUllem Casl1 A<Nanco. andCallA<lloncoSalancti _ day and 110 Ihonlocstedllllllut lat day olllll
...cyoIe. Th....IIIl1llgtaCOparicdfarcilllllmcasltalloncUor,olhorcasltarllon-. . '.
!2.,.1Iwro 1I1.t.~ l[nanc.cIIerge far IIIICIllyp. ofl!ol8llco. WI sIaIlwilll yaut ~ IJ6(s,~.~ ~ all doblIs andsubllaclal CllIdIIs Iilr IIut CIIIIOllI dIw lIIId mlillply IIut nol amount by Ill,
.....lCabI..,.., periocllc rata (ue fcIkMing jlatiglaphs~ TIle Iinence charg. ~ each type 0 -..... IS Ihen added Ie and Included iilll1el daY's IlaJonco. W.1Jool II aiei:IIt boJan.. rar any day
zoro. W. dafinillno 1Il.1cIaI1inanco c:II8I!Iils 011 bilancet far Ill. biJJ1ng cyCIo by adlIiniIlegolllor ill. ftnanco chorgos fer _typo oIl!alanClHor _ day wiIhin lhitbiIIJIIg cycle. In caIcOIaUri<
" :::::"'Y'" an Il!usIm.nt'NiB be moilelilr any lIIlIsadicn or PI'fI!Ionllhalwculd hav..1foctod tlIo IInonco cIlarg. ca/cilfalion in. p1Icr.- cyclo!led. _ pcsIed in IIIat cycIo. Tho .
dIdy JloriacIC flit. far such . Itani8CIicn Will b. IIut tala in .ifoct lor Ihe cwront ~ng cycI. rather llIon Ihe rata in tIIact on tlIo cIaIo -ij/ ilia IrlInac:Iicn. .
Yaurllalllmenl includts an avvag. daily ~ Iilr OIIdIlyp.oflloloneo. You can mulll~1y _ averig. daily bal0nc:0 Ihot is not'ZtlQIIy Iho l\IlI1Iber 01 days in'lh. biIIng~. and tho ~tria
!:"..!! 10 ablafn sll/olotals, and Ihen add IhI subfalals leg.lllor fa da_lno yovt klIallinonc8 chorgos OIl boIant:Q Iilr ihII bi/Ilng cycle. ~ a caslt 8lIionco ltansiIc1fcIt ru 11 cIliIr!jtd. Ihot amClUnl ,
.... a Iinanco chatge. ....
The lam 'Prime Rale' as used in uie Agroement rneons Ill. hi!lhost ~rim&1alo pub//sI1ed In IIut Wall S_ JoIMlmIOIlIhe IInI b........ day 0I11ut previous ca/8lIdor -Ill. Mt fnc:reoM or
docolos. i. Ill. AIlntl8l Pen:entage Ral8 'NiI11ake tIllIlll "!' IIut lnt day 01 your billing cycIo and may "",1Ii1 in a sIlght Incrtas. cr ......... In Il\o amounl 01 your minimwnplflment.
Th. ANNUAL PERCSNl'AGE RATE lAPRI lor II\llChu8S wID I/IlIY and mey be a4usled IIICb biJJ1ng cycIo up Ia 13.4%abav. Primo Rote, bul..] in no ovenl b.1ois Ihon 21.SIfo. Using llIis
form"'" Ihe ""R lor pwchoses in Ill. May 3JCll biIIlng cyolo is 22:4%, con8sponcIng to. daily pllllaclic f!lIo 01 0.08137'.1. '
Th. ANNUAL PER~AGE RATE Iilr COlIh advtllCOll is 21.9%, conesponc!ng Ia a dIiIy porfcdlc talt 0I0.0800llll .
llwe recoiveyovt Acccunl P.I'fIlI8Iltlal. 2 or marollmos in any Il-manlll ~edod 1Inco00000erl. 1., OIl each such _.wo may i......... 11Io APll farpllldlasos. \;I1a a miIlcImwn or
23.3lI (COll'""",l1lIIng to.daily pericdcrataofO.~84"). andincruso ihII""R farcaslt acIIsncq andClJSIIIm cash advlltlCU \;I to IIIlIllimUm ol23.9ll1......pondlngle a doily ~eriodIc rah
O'O~48%). W a/leryou """'.11I& higtlor _ yDII! peymanls 111I AlC8iV8d on lime ond ycu m~l aU olhor I8nns 0I1hIs Agroemllll far 3 consilCll/No manIhs, ycumay llOI\IaclO'" Customer
Sotvlce deportment and, at your lOIIlIOSl. WI will r..iew your Accow1l far. possill. APfI ierb:ticn.
IIat llIis 11m. ihIIAflRs in your Account have a/roolIfl1crused-youdld not moollhe IIlCisIlJig terms alyo'" AccauntAgrotmIllf, your IlICidIIlg APRs wiI conlin... 10 afy, Ifyau mool,
terms orll1is AQreemIlllIIci 3 COlInllIlINt monlIls aiulycu canlaclllut CUstom. SeMcedlporlmen~ wewill ........ jO'" _Iilr a pcjssible APR reductic.. SIaItIng Ju~ .:IlIIlIl,'hCwevor,1lI
APlb ~ in IIut precodIng paragraph wID apply. Wyovt Account paymenls 111I ~ed 1010 2 or ~ 11m.. in any 6-mcn1ll period Iinc:o Oclabor I, 1899. .
G.... Plrlad lor 1'un:IIaS. Bmnco. New ~ pasled to Yll"': _In biI1ing cycles willi"" previoUs balonce: crwllon IIut previcIJs baIancowos ftlIIy IlIIid cirdng ill. oycIo. de ",lb.
to i_ a 1Inanca;Jlalgo unlilllutslarlol IlutllllllbiUlngcyclo. Y""wlDl'I'f no I!nanco i:hiIlll.an sudI nllWjlIlRlhasu ilyou pay 1Il.1e1lll now,baIonco in Tulby ilo. paymenl duo dolo sllownOl
your sIolomlllL New pvn:hases pealed in any oIher biIing cycIa incur .1Inonc:o choIge, and IhoIe is "" period in which sUch ptl/dIu.. may be I1p8id wilhcUt I/lllIlImJ a IInanca cIlorgo.
FMs. w. may chargo ycur Accou11 SO lor: each CaRl ycuask IlIIa nopIoco; each raIIsmod payment each chodc you writo OIIl"!11' Account IhoI WI "turn unpicl; 0IIdI s!llp JlOYIIIonI GRIor or
""",,","'such an llICIoi: IIICb biDIng ~ wilhin widell your Account is deIin<pIenI (Tal8 cIlOlgOr. and _ biIBng cycI. wilhinwliiclt your baIonco ~ jOur CIOIIt Un. (llV8iIkIiit filal, evon il
your Accaunlis cIosod. I,you fOl!IIOSl ccpies olbilllng slotom....ll1alworo IiII son! Ie you marolllan IIuoo mantho .., we may cIrarao.!lilldllng fila of S2 far each iuch "'~, ~you r:'l'
lhel wel1lllco a 0fl00IIm. IIIlellllllic:payment I'ram ycurpouscnol checking occount, wo may choJgeycurcredlt Catd_t a'fiIa cf$4.951or _ requesL This roo Is . FINANCE CIfARG.. I
itwillRllY IIgORIIen ofwholhor IIlnclIII1I MiIeIiIo Inycurpersonol r;h8dcing _fa malce lhti payment. .
W.11lI'f ~a ~1Ian fieal~ (mi!limwn IS). whlcII II a ane-Ifm.JlIN,Vlca ClfARGl!,an the amauntol_ caslt acItanco, ~ caslt b1l1nsnc:lt1inslilllllans,IlICIATlIa. wins
. Ilonsliis, -.y 0RIers, IcIloIy Ifclcols, ..!no gaming" and sinllor lIonsOCIIcnL. . '
cmult. YOlI wiD be In dlliRllt If any Inbmollcn you jllWidod III pnlVllla b.1ncampIeIe or IllI1uo; W 1"U de net c:ompIy wiIh IIIIY. port cllI1is AgM1IenI; ~ ycur dto/Il, banknslIrlY, 't..
~ it,... de net pay olhor diblswllllll duO; WI ilanIaupIl:y pol\IIan is Wily or ogajnst.~ ~ h.. boIIM In good. flith IhollW 1lII'J~ IllY orlllll'omt yourobligollonl ~....
. . ~enL Iryou_1n dofauItWlmay wIIhoutlllllltrdomandcr i1aIlco. cancsI ycur~tpriVllogtS.clocIIIayout.ACi:auntbaltncolnllftt!!lOl8lY _ andpoylbll. andusoany __,......"!'
hive. In Ihe Mal clycurdolaull, IIIe aUtsllndngl:illallC801l your A=unt IIloI Canllmlt III _1ntorost.oI.lhe APR(sJ disclosed in Ihe F1nenca CIlaJ9..ltcIIcrIollliis AgIHIIonI._ W
have lI"'hullla coIoCt tlIo MDIIIlyou OWl. . . '. .
CladIl Uno. Yu CrerIt 1In.1I speciIed b111m.to lima in a ItIlII8io nollco. YcurmanJhly st4Iemenls thaw ycur credit Ifno and lito lIIIIlllIIll ofyovt avoiIobIo crodt. W. may~!..
claclus. yaur credit 1In. boiled 0Il1nlanna1lan WI abIained Ilam you orycurClOdl roaildL 'tour availlllllo credit II ncIIIIOIIy 1Iut..... b.tween ~ClOdllino and~ Accaunl_,,:,
CInciudna ~ modo or IUtlIarizedbul net yet pllIIlod). If you sind us. largo payment cIloaIc, we may lTmityaur MiIollIoClOdlwhile WI conllrm 1hoI1II. choc:Icwl cIoar. Forcorlaill
fnnsactiDu. avoiIabI. credit may b. _ Yeu wiil not usa ycur ACcOWIlfer, and...,. mey... III Itcncr, any tranUctlon wh1cll WllUId...... you Ie Olll:IIdycur ~ credil.
Pramll.to Pay.' Y"" pramis.to pay III wlIIIII du. . ai amcunls bcrn>Wed 'Nllen ycu or SOlII~ sill. US1I your Acccun! (.....n W Ill. amovnl ~ ~ ycurpt~, all 011I8/ nsllI&.
trwocllans ind cIlarg..to yatlr Accc1ln~ andcallllllllon CIlSIs w.lncutincludng, buI"'lllmiledla, lIlISllnaIll. alIIImay's reo. trIdCOUlt COIls. (IIyauWUlIll. suI~ wlWlI pay yculf8!lSO
.1Iom..,'1 roes ind court cosls.) . . .' ,
CIlang... Allerw. pIllVic!o 1ici rtqUired by IaVI w. may chang. any port of !his Agroement and add or ""'..... rei;uiI1lI1enhl. If a chong. Is modo lc 111. F1!",nco Cl1lIrg.. -:'1','
lIlis Agreement, Ill. n... iln~ ~~ caIcuIolicn wiD app~ to ~our enlft Al;ccunl baJar.ce rram ill. .1Ioc1iv. data 0/ Ill. chong.. Chong.. wiD 'llP~ 10 balan,ss Ihot Incroda ilem. ccsla<l " ~
A=unt be'a", tho ola 01 Ill. chana.. and 'Nid apply w/l....or Of nol you conlinU.1o us. Ill. AcccunL , .
Forolgn exchangoiCurrency Com,.,lon. ~yau use ycurCard rer llansacllons in a eutrtrlC'( oth.r iII.n U.S. dalJar.. lho lIIlIsaellans will b. ccrwertod 10 U.S. della.., g.n"'~'I~a f;'~;W~~
government-mandated "'Ie or (iiJ '.holaai. marktt ","11I .tll1o ~ beror. 1Il.lransaetio~ IS ~rc:CIl"'ea. !n'reasild by 1m... p.!C'nl (3%) If. credit is sulls"",anlly Ij';,en or. Ie .::'spt Ih:
win be dact.asild by th. earn. ~&lCInlag.. Tha CUlTtn~1 ecnvnon ral. used (lllllut conversIOn dale may dinot /rem Ill. rali In ii1act On Ih. dale ~u usIld your Card. au agre
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The Oonl; ~lICallatlan. You may cancel ycur ctedII JlIivd_ al tltf hm. by nol1~ us In WIlling and'des.!Jpy"19 Ihe.cam(.) Upon Iha CaJd
,...~ ~t 110110 renew Ihe Card. W. may cancallheCatdandyGur credilll/iVisg.. al any !un. after 30 days J1OI1Ce 10 yea. arWllllaulnc=~~~~Il,..manlll'hawn an II,
no ron...../, -..~" and ?lIIer 'aes 'NlII eanhnu.1e be usased. paymlllta W1/I cantin\l.1e be due, and al OIher appllcabl. , .___ " I/y~ Ca~ ~ ooncolle
~lnalt yGlJI creclilpnviljgu. ar h. cancel ar dlI nol renew Ill. Ciud, yeu may n.langer wrilll cItecks an yGlJI Accounl, and yea ~"":.~ ~ ~~ rem.., UI 8,ffQCL II you
P.....nallnlonnatl.n; Daown.rrts. Vou will [lI9'dda us atleasl10 days Ilalfceilyea chang. yeur name hemear meilingaddress we hav.1S1usd to you
~lIIl, Y'l'.l.:!!:~ide u. addiIillnalllnancialillfarmalicn. W. ree.Nllhe righlto obtain intermallon from' .Ih.rs inciucllng credit rep~se~~~l:ea':d :em.entar incom.. Upon our
lIr.l\I ycurntiWil&lllltoathers. Wemavl!ll!a_!tr.rI'8-i~rmllllDnwilh,our,~ffili.tAl . fIN . Ii" I_-:"'~'~-;-', 'rr":"......"'your~andinfonnat
do nol NIIiJJ yGlJI abligallan. undet Ihill AglHtIlent, a negallv. credit iejlort Ihal may reftOCl en yeur t may b.lIJbnlllted Ie lhecildll;epdltiilg.~. 1/ y'
~~~pSlN'ervl~ unautp.rfztd. Ua, Laa, or Thoft ~'ClIOO.!W orllt. Card. Each Can! mu91 be signed an receill Vou 1/8 ~'cI8 ter sa....~..- Iha Card, "-___ . .
"""'-,. , w~ ptCNidu accsu III AuIanlaled TellerMaclllneel and any cIleckl iuued to yea ai IheIl, and kiIepJng . PIN separate.b-'C:d. . your !'e._alldentifte
fOUI'CanI, PIN, or!"V ~edcheCke 1/8 ,"larIIalen, arlhallhn:maybeanunaulharized IIallfacllonon yourAccaun~ ~m .. .1It ..... yowr . IIye~di!lc:cvetarlUSjleot Ih.I
mmedlalely act III IImU 1=... and.rl8blUlY., yeu wiD phone us _Ihcugh you may ~ notilf III in wriling. Vour llabilily lor :a..1h. J:.t1u~. ........ us ~~=:a:7221I1m~~we can. .
l1portarwellllpectunaulllQrized'useotYl1urAaun~ wamay.UIJl!IIIdyourcradilpnvilagll unlilwelllCN.""JlIllblenltoourllilifacllan -:""'" .. ,.... 'I II _10550. It
llaJen, yea will prGmplly dultlly all chllCkil in your poUInian. To imJllllUli ClJllomanorvice and security, yea agree Il1$ your calle iIIIy;b.=':~Card, "your Can! is Jost or
Mercllant ~.1lL WI'w1U nal bllilble Itany pllllOl\ or AutllmalldTelllI'.Madlfne I8fialIo honor /he Can! ar llCClllll yGlll chicks ot Iaie fa IOlum Ihe Catd
ter ~W and ........ilWl:llarldwlllllh.Cardor\lhlcla exceplaalOlllRllly law. ~.. SP8ciaI Rul1 below_I CedaUi blllllite Ihal navaiJabl.willllhe ~v:- !!.~~~;
ven...... .811 nalrespansibllfilr Ihe quaIlly.availabillly. ar l8uIlIoI any C/1/Ie sNaI yea cI1caIllo UII.. ,....-., ....,.. 'J
~=~. o.ur.: ".YOUWlsh. IIlslqlll"Ymenl..a noL... Cl.'tecIc,~mayltlldL~'~. .paymma:OIder~WriIIng.IoUSalouraddrau.ior.CIIIIcm. ;'.IIrvlce. lilted. onyour.lalemen.L VoUC8I
a I..... payntentai 0IIIIy by caIIklg Ihe num~..... an yourl!lllmen ...... you . lfap paymenlon!1lr, yea m"'" ~.l'!1urAo:ouninwnber.and ~flcIficintOnnilllon
~ /Ila~~~daleon/he~llCk,/hellam..'~ .' towhlllll~-JllIYIbIe.lhenamlofIhePlll1O~whosiglJOdil,OIIdIllf~liilnltI.,,:,. Y~wi!ibe"''''!I~~-:
~iIonIllllliil. . CilIl'blUlopp .'. wiR~not. .... . ..cillWUPiJl1byUSbeldiiwl_~:t~~':!;j':
. a wriIlan slop ~Inl Olal".. manIhe ajletllClipl 11I1I... h I'OIIeWed UI wrillng. . .' . .._,.
.~.., c.. e;.....thIs~!nvclI!teeeaih ClOlIlcatdandcl1eak~ which aIOJlIllCISSed IIlIaugh .....natianalSJIItinebeliraillllllaneactfans.-
andb'ecaunnat~_llI!d~sIlpwillbesenlIllUl, ~inyourAal:auntwillb.JlIllCISSedm~\liIIiaulour~~. . ..... ..' .~
call ouratlllii... tian.Io~.. ...- ,H:O'Vhicll.WitwilJ.......rn.. WI Wid.......... aD~.. . when you NpOIllhalyourCanfaral1ei:ics:lIlvel~lilsUlr~ ~
exanlina.aII. _.. oM.iVlI.. wlIIilil.1 be. lflI!lllgtiltllwa. ell not da.1G. Thallule II. iabIl9l1ae Ihl. IlaIldatd 0I01t!inaJY ....whicb weingocllilll'WiIJ..;In'
alOlll'IiniJld:_.Ili!lbeCau9ne1lhat~<:rnceded cIl.ncr CanlIlalR:llon.. will be relurnedlo yeti willi Ihe monlh/jiltaillliant, Y!IIi.1iliiI1i!I
cl1eak!lllll.orcilh_'\~allCillll'OfIll"', yOG.lIouldaleosauaycurcreclllGalilcillh....andJlim:hanslips. "..... .... ...."
fa MIfAI.'.\Ini"'~r.;ef:.InV!'iinauIMriHdlnft~ arlmlrl . .
!:.~...ClIIaIiIRlgIlls, W.maydelaycr~enror.emenlOltltf. ~I.Ilm~~~wilhautIoeln9currigllt~"'lcIce~~.IIl"JlIWiIlcriritet. YO\I.WoNc 1h..1iIht to
,..-~._" ~ pnllftl, or nGlk:. 01 ""lIonil1;tltf appllCallleslalult 0 -... ai1d any Iighl you may /Iav.1o l'Oq\IIII us10 againslanyonebelale weftll'SIiilagaJMlyau. .
! App~ Lawj~ralllIIlv;Asslgnment. No...nor where you IMt, IIlie tulent andiJcur Account.. gaverned lrt I'ecleJalIaw andwHew f{ampshireiaW. This ~1Ill is. a InaI
,1qlrIIIiClt0l1ha"9/Ol!lllOllt60lw.en .andusandmayllOlblc:an~ C!lIidencaoltltf lWlagreemenLI/ ..~a/IhIiI~!ii1llsl1llCllllb.;. .. Dr. .... .
I yeaand...iVlI. ...... .-. ... ider........'II1al....PJ!l'I.1 1s.1oa~.. ftid. 10. can. rormloaJ!cablo. ...!aw..... .1/te.res.IOIIIta~..~ TnIhtiAsn*"w:r. ..IiII'......Ilf'.. "'. ~1t:.~~~..i!nI.i!.. ...,...,i!Mlll!l......nm.'..~=-...'........ rai:
' Ihal tltf JlftlIXod'o( enactIiIll!!IiIllIr ... IlIlaYecllan. ar lui!ICiaI dilcisiGnhae reI1deted or may IOIIder adJ materiel P/O'IIsiansa/IhiI'~IiMillcl~ . ,.. ... . '.'... .... ,.."....
I _' ~-~r8iluIi8aleil~:.:lbiuifenincannei:llqjlwill!!I'(sl!Oh.llf'lI'relanarilrenl'atcamen~wemay,.IIer.IJ!fBSl3lldljlnll&lloyciU,orWl.. .riOlIa~~IiiIWIaw ,
cancellh. CSriI and'YCur CltedItllriVilesll. W. ci1ay bWlerar I!'II4P1 our light 10 ell or rome.lycurpaymenll. " _law requuu lhalyou'receN. noIfce.I suah an .....,rlll pnlIild /he :
pwcIleser cr..... we may giva yoU IIIIcIlIlllIlCe by IiIlng . ftnIJiciniI.lliIamotll with 1Ita.1aIft hciellly 01 Slate.. . .
Nod.... 011I" nclft:eslo yea shell. be elfediue when deflos/lI!d in Ihl maihdd....ed to yea allhe address eIIown an cur racaRlI, ""'- a Ianger 11011:0 p8Ifod is specified 1nUi/e A4lreement
by law, !"lic:h pllllod sha1I .Iarl upon mailing. . NaIfce 10 us sha1I b. mailed 10 our address lor ClJlIom" seNice on your IlaIemotll (ar olh" addreisas we may _If) and shaiI be eIftcIlve wh
we_it '. " .
'YCUR BIWNG RlG1fT8 . KeEP THIS NOTIce FOR JIl/I'lIRe USI!. This nalfcecanleins imFarfant!nrorme1lon abouIyour rigllllllllld our "",,,,",ibiIIJles under Iha FIir.CI8cIl BIllIng Ad.
Ih#'(lJ:Jtn Cae O.f.Emi1s. ... . ... orQUUII..... AIJoutY.wSlll. II.yea *. yo. urbl1lilW1Qlqjarl/yeaneedmoreinfonnallan abou.l~ 1ransaaIIan. '..... on.. your biI.. writeus.. o.n..'-",.. .... dIeet. ,at'
edlIni'allsled in IhtiSilllrtllll/gh1s Sum!lllllY an Y<IUf bID. WrIlII 11I11I as .- as pcesible. VI. mustlwr ~ you no IaIerI!ulllSO cIijs aJlerWllrentyo~Ih.I!Js"bI1I anl'lhial1Ute.!lII!ircr po;
IFP8SlOd. You can IB!~ Ul,bIl1 iIlling so..... nol",......your. righlI, In yGlJIl.IIer,1l\VO us th. followmg ,nfomtallan: - Vour Illlln. andAccilunlnumber. _ Thedaller_otlll.
euepeclld lIIIlll'. ~ DalCriba Ihe ....... and 0lCp1aln, n ycu Gin why you believe UJere is mllllllr. I/you need more U1rannallon, doscribe 'Ihe i_yea ... not sura obout.
I/you haue i!lIhcrized. . .uslll pay ycur credII can! biIl.utamaIlcaIIJ Iiam your~ accoun~ yea can IIap /he payment an IIIf _unlyea lhinkis WIOIlg. To.1ap Ihe payment, ycurleller ,
~ us1luee business dayS &elore Ihe aulcmallC payment is sCIIedulid 10 occur.. . ..
Yo"" R_ ",d OiuRespOM/b//1t1u A/tiIr We lloa!Ive YaurWdIrM NotIc& W. musl ecknawledge your !eller.within 30 days. ""'- w. heveacneated the ...."bylhan. Willlin 91 do
.... ,!,1llII eilheiCOillClIh. lIIIlll'arOllplaln wily webelle\l. Ihe bI1I_cprnid.Afterwe receive yourle!lW. we canna! Ily II caIIeolll!lY _tyea~ or rep!lrt ~as<llftn!!u'"~ W.,
tan[inullolilll.you 1lII1taamaum.'~u Cjue!I!lCl\/nc!IldiI1g IlnanOf .., and wacan ~pJyany UIlJlIIicI amounl agamsl your crdlJM; Youdil"",heve 10 pay tltf queslilinedamcunl while
II/IIl/IVallgiillll9. butycu are..lilrollllgellld to ply /hepalflJa/yourbllJiIlai 8l\l1Iol in quoslilin.'. . ,
llwe IInd IIIllt .we. made. .' mislakeon )'O!lI'biI\ you.. wiIIllal heve fIlil8Y. . 1IIf. .I!oenoe.. .;IlaIge relalld fa. ~ qualianed amowiL II.... drdn'l.. maIce. . ". m. isIake,. yG.u..may.haue~... 10. pay~. ... .~..
andycuwilhave IIlmaJce up thel1lissiICIP8Vllltlllll an /hequesl/aliedamilunLlnellll"..... w.wiIl.silniIyea" statementallheamaimlyoll owaillll1lhedale 1Ijilt_ is d!Je. llyeal!l'l!l~
8lIlOIlIItw. lIliliJcyea. owa, wa may.. repjltycu. aI~.. . HowiueI:. .. '~. our..eIqlIanalloa.daesllOtsollsl'Jvau. and. youWljlllIeUSwllllln.. . fOd;rjs_uslllllt'ycu'llIDl!llIIilelllpay......mUslI
'anycna we !"PlrtY"!/1ll1hal you'lU1!iltai YCII!'. bil.AIid, wellllllll.1eII yea IIIl(l11/11e ./anyone welllpCl!ed YOU,ill. W. must IeIIIl!YOIIIWI""",,yea 10 IhalUte _ hl\s b88n lalIIedbelw
us when Itllnillt is; tlwadoli'l fclIoIlIlIIlI. lilia, WI call'lcallecllha 1I1'USO.' lhequoslianed amount, ..en llyourbharcanect. . .
SpJIO/elRvle tarCted1lCmtl'U1'C/Nlse& llYOUhaueapdl. . lentwlllt/lla.. quaIlty.,=:. ..pm. lIlIyor__lhalyoupun:ilared.. wilbourcredtClUdandyea.have..1ried .... . iA!l<lOdlaitll. . ta.camlOI..
wilhIhaUl~'nalhaveloa illIlrilmalllinglllllCl!'lllucnllt.orUJVicee. TberanlWOllmiIiaIianson'lhIsriglt (a), . ml\Slhaue.lIIlIlIelhe~'!II;your
=. orltnalWilhin~::=I.. wi=rr~IiIiIes.'vour~maHfng .. .ancl(ll)lItapwdles.price_havebeen.....lltanm. ThaeIlmiIaIlcdsCll1lllfilFlilweo
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Complete this sho.t fonn and return II in the postage-paid envelope provid~.
30-Second Response Certificate
Yes, I want to accept your invitation for a customized VISA- Gold account!
1 have II!Bd \he terms on the bsck of the I>roc:hure.I agree to be bound by \he AcxwntAgreement (wl1kh will bemsiled to 1M beCote my
VISA card. isJssued) and \0 repay prindpaJ, lnferesl, and.lnterest IheMon, except that 1 will have no obUgation ifl retum \he card.(s) and.
checks unused. and. cancel my llCOOWllafler reviewing the Acxwnt~
(\3474753
Randall C. Keebaugh
739 Broad St.
Chambersburg, PA 17201-1288
1"'11111I1..1,111......11...11..1,11..1,1..1"'11,1.1..1..1.1
27S1N1 TC314 GX3A9
KLCH SFLR OBes RCED AEAF
751-12966-8417-7
10-
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This lnvltatlone.pires: December 23, 1996
Mr. RaDdy Keebaugb
739 Broad St.
fl. Cham""...burg, PA 17201
X a: t-vd" ~..1 J/), OI).^-
SIpl_ " Q CNon~n.ferable)
1_JLL--:I.~- LL-L-1--
SodalSecurioyNwnber
i.1a.. ) .)..(. V -0,'J.f'3
Home Phone
( )
Work/Second Phone
$ 'ff. DoO -
Annual _hold lnmaw
CYHIBIT
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Reference Number: 208505887
Box
Year
Batch
SSN
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No Annual Fee
.
$20,000 Credit Une
.
lowe$t Role$ Starting of 0%
.
GUARANDlED SAYINGS
RT~~
Jl Thornu Mazur
Senior Vice Presklent
Oedll Protection PIm (Optional)
YES,l would like 10 help protect my VISA Gold
account and aedil rating with the optional Credit
Prolectlon Plan d_ed on \he endosed flyer.
YES
lbtllW here........m
751-12966-8417-7
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: 35
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SHERIFF'S RETURN - REGULAR
CASE NO: 2001-06328 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PROVIDIAN NATIONAL BANK
VS
KEEBAUGH R CRAIG
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
KEEBAUGH R CRAIG
the
DEFENDANT
, at 1009:00 HOURS, on the 9th day of November, 2001
at 5340 OXFORD CIRCLE
APT 39
MECBANICSBURG, PA 17055
by handing to
R CRAIG KEEBAUGH
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
7.15
.00
10.00
.00
35.15
So Answers:
r~r<~~~~
R. Thomas Kline
11/13/2001
PARK LAW ASSOC
Sworn and Subscribed to before
By:
J'L /1l. 0Wlrkr
Deputy Sheriff
me this dl. 'b
day of
~ :lAw I A.D.
n 12 ~ h ~/>7:<
l_ ~thonotary ,'---r"7
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VALERIE ROSENBLUTH PARK
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
R CRAIG KEEBAUGH
Defendant
i NO. 01-6328
PRAECIPE TO SETTLE, DISCONTINUE AND END
TO THE PROTHONOTARY:
Kindly mark the above captioned matter settled,
discontinued and ended upon payment of your costs.
PARK LAW ASSOCIATES, P.C.
BY:
VALERIE ROSENBLUTH PARK
17
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