HomeMy WebLinkAbout99-01897
FE<U1 I'RlTZ I!. HSSOC.
FEB. 11. 1999 12:49 PM Pi3
TEL: 215 348 4015
STATE OF CALIFORNIA
COUNTY OF ALAMEDA
OARLAANTO~E
_. ,
st~tes Chat she/he 1D the Designated
Agent of Fi ToDt DopoRi l. Nllt: i"JI1Etl Bank clllll is aut.hori zed to take this
affidavi t. on ,; t.s behs] f "nd that t.he facta set forth in the
foregoing complaint. nre t',rlll. ilnd l,orrecl: t.o the best of ha:r.'/his
information. knowledge and helief.; that there is now due and owing
from BLLBN Ii: OWEN t.he Rum of $5,924.66 plus interest and attorney
fees; and that there .::Ire no deductions or of.fsets of any kind,
except as are Chorein "ped,fi ed and credited in t,he complaint.
She/He further understand", lhat fa] f'H.~ statements made herein are
subject to the penalties 01 If! Pa.C.S. Section 4904, relating to
unsWOrn falsificati,on t.o c\uthoritieH.
_, ti)[1 , () /1. ().~ ^ -h~
hesignated J\~~
4310391922702089
.
lij'; PROVIDIAN
-- I IIId'" .,If
CAPITAl CAS'"
Account Agftenwnl 10' (11ft f Owen
Your C'pllll Cutl KCGUIllllht -1C(0IIII'"'11 . 'Nubllperson. 1o.IIU", .IoWI ,OU 10 'CUII ,OUI' lCCounl b, wfllIng chtc... In I I ;r.tmtnl rou.n ,llUf rrlI,n "cb p<<1OtI fo, whom w.
hn. "Ill"' C,,,"f Cull Accounl. "W.: "our: .0Ut',. .nd "UI" ""VI Fw" 0"'0111 N.hon,1 B.nk Of III USlgn", You IN, nOI b'ltIQlblt for .n A(counll' "u Of' merrillf of '0Ul' lloullholcl.It"dy
hi... Clldil "CMI Wllh IiIL "0"'''' H'"ontl81ft1l. or Pro'lllft.n C.edll Ser..CI.. Inc. Th. ACCOUllllnI, b, used on'" for p.non.l f.rnty. houSlftoJd..1I4 cll,nl.blt pu.pose.. .nd nOI fOl .n, bulinm
Of comTlllclll pwJtll, All, "" "Ihll ACCWllI "'II conllllul. KC",I.nc. of Ih. l"ms of 111I. Ag'lImllll. You .nd w, .g'" U followl:
Specl.l H..""..... .1 IN Acc....t CIIIII ftmew ',ol"m. In o,d" 10 h", ,ou Accounl in good ".nd~g. you 'ip" tlOI 10 1IO"'''untfy lflCII... Ih. ',",unl 01 ,Ollt 101" debl on unSICUled
,nolmt ICCOllftll. W. WI1 ftwIIW four ACC'\IIII and uedll glol.. qulll.,1y IOIY'~II'lh. .mounl you 'w"e1.I",. 10 Ih. .mounl of YOIIt' Ihlll CUI'lflllllComt. lW. conlidlf.n incll... in dtbl of moll
tbll! '2.000 II b. .'clln. unit.. leu h... IUtfClIflllflConw,1 If W. d.llflTlll, Ih.l ,ou' Accounl i. not 11'I good IlIndmg. ,OU' Annu.1 '''CIllI';' R," IN, b. inct"SId.
Cnll Advl"'". Tilt Accou.u is ...~.b" only WIIIl Ih. in,h.llo.n .mounll.cllh .dr'tlCI-'. Ttws illlli,'Io.n .mounl IN, includ. P.,tI1IIIU 11'111 W. 1'1... mid. 10 olhfl lend.u on ,out blll.lf in OIdlf
101Ilnsftt,OUlOlhlfb.llnctlrollllsA(Counl,clllCkstnlIltdI0,ouI0'lh.purpoJlOIII.nsllf,ItIQ,ourb,'.ncIlIOlhlsAccounl..ndfundltl.C1ronlCdtItlnwllldlooll'llfltnd"sloll.nsllfbtl.ncfl.
HowlYlt, If yOu rtIKllll' ",,11.IIo.n Ilhlunl .nd Iln. nOI ustd Ih. Accounl, w. WID c!os. Ih. Accounl .nd you WII h.n no obbglllOn, II ,ou r'/fCt 11'1. illlli&llo.n .mounl bUI h.y, utd I~' Accounf.
w, will clust I~' ACtMllftd derr.llld 1mltchI1. fut p.,lMtllllnly 0111'1. b~l.nCl ,1\4 (hflOIl nol ,,,.11d 10 1.1'1, NlIII,IIo.n .mount tou IfII, 'IIqU'U .dd,hon.1 cuh .d..nm by ulling Ih. 10"""
nunt.'sttdon'OUl'm)tIlhly 11I1"""'11,
P'",,"II. You.. rlC"" . IJ'Gtlthiy 11.I,"*,t showing ,0Ul oulUlnding b.l.nCl. You wil p" UI in U,S. dolll' {checks /nJU b. ".,.bl. '1 . U.S. oHie. of tn. b.nk Ih. chtek js dr.wn On,.1 ,..U
11'1. p,y,","t M II tflown 011 your Sllltmllll by 11'1, p.,,","1 dUI dll'lI'IlCco,d.nu witb p.ynnl inluucllOn, on you' monlhly slll~1. You ""I nol u.. your conrtnilnCl chICks to tnlllt p.,1flIn1l
!'II yoII' Mcounl Of 10 ....h "Y"*'II on .ny olh. Ie,CO,,!,1 you h... wIII'I us It OUf .ffilitl.s. Th. ITIninllm p.,rnenl due will noun.a, b.: 2,0" a Ih. nlW b.l.nct thown on ,our SI.I""",1 lor 2.2%
111ft Annu" r.CtnllQt R'I' appled 10,our ICcounllJ hlOh" Ih.n 21.9%1 plu, Ih. .mount of .ny put du. p'y"*1 plullh. .moutll b, whICh Ih. nlW ,b.,.DC. flCtedS ,our credillin. plus f"s for
Ca1ti1llt!tioftll",1. HoWft'If, th'~"":*ll du." nOI b',I.u Ih.n 115 funl." you',new b.l.nctls Ilu th.n 115, in which CII.lh, P'YrrGlI du. wi b,lht .mounlol 11'1. new b.ltnctl. "Jau,
P'f1lWIIIS mort IIlIn Ih. PIJ1f*lt du.. II wi b. ""11d II . 11I'I011 p.,tI1IIIl .nd non. of II wi b. 'p;llitd 10 fuM. p.ylNtlll du.. W. lNy ICClOt Itl. It ptrti.1 P.ynwnu. or P'y"",,,u mI,kld ".id
rn lur 01 "",kid 'frith 011'1. '"trictiO/Il, withoul kiting Ou' right 10 coltel .1 .mounls owing under thIS Ag'ltm.,u. THE MINIMUM PAYMENT IS ONLY THE REQUIRED PAYMENT. TO PAY DOWN
YOUR LOAN FASTER. YOU MAY PAT MORE THAN THE MINIMUM PAYMENT OR YOU MAY SEND EXTRA PAYMENTS AT ANY liME,
Fin."'. Cbltg.. Fin.ne. chltg.s btgin 10 IeCtu. on . debil when il i, included in Ih. d.Uy b,'.nClI-S.I.nct-j .nd conlinu. unl~ Ih. b.l.nCl is ,tduCld by . p.ymenl 0' clldil. TIl. B.I.nCl iSllduCld
by p.ylNtlu U 01 the d," r,lClivld. .nd by cttdiu fflc8Ilt fot 1I.lfuls of I~II .~~ nisctll.n~~s Chltl"lll 01 th. .d.1I posled. Otb,U orh" Ih.n lin.nCt chltg.s 'f, includld in tll. B,'.neell of
the d.tlS IllIY "' POJted whICh "' IIIGlows: cuh .d..nCl ChKks 11'1.1." Idenlllttd II ctsh,er, chc slh.1 w. fNijld 10 you .1 you, 'lQuetl, II 01 men d.ys .Iler 11'1, d.l. w. print on 11'1. ch.,k:
d 011'1. chtcks.1I of the d,r. PllserllN 10 us; funds t1ecllOnicdy lr.nsrriu!d 10 olhet" lenders 10 Itln.ler b.t.nclS, II of 11'1. dal' Ir.nwnld. Olher debits 1'''c~llo' III" lin.nCt, .nd I!1Ktl!.nlOus
dlltg.s} ," includld in yOUl' B.,.tIC, II of Ih. d.fl post.d. Fin.nct chllges .r. .dded 10 yout B,'anCl IIch d.y .nd '"lhen poslld on IhI 1111 d.y of 11'1. billlllg c,d..
To f.gUt'. Ih. d.i1y f....M. thllg. wt Ilarl wilh IOU' p,evious d.y's B"anct, .dd .U dtbilllnd SUblllClID cledits 10'11'11 cu,rent d.y In .Ipl.inld in th. plI.gtlph .bonl.nd /nJIliply lhe n'l .mounl
by th. d.iIy ptriode 1111 lstt 'ollowing P"'O"ph. The fin.nce ch.rOI is Ihen .ddld 10 .nd included in Ih.1 dlY'1 Blf.nct. We t'"I. crldil b,'.nce fo, .ny d.y as zefO, W. d'llfnln. Ih, 101.,lin.nct
ch~rg.s for Ih. bting, cyclt by .dd'lIlg ta;llh~ ,Ihe lin.nce chllge lor ..c~ d.y w!lhin Ihe billing e,cl.. To ~111t~nllh8 ..er'l' d.Uy b.l.nCt shown on ,ou' sl~lemenl! ,.dd ItCh d.y's B".ncelinc~di~g
d.iIy rrn.nctdlar;'llI'Ilh.biling cYCI..ndd.fid.by Ih.nurmerold.ysrnthe blll"ltIgcycle. YouClnlTlJllIply Ihls ..etlg.d.IY b,'anClbyth.null'btt 01 d.,sltl the blUing cycl..ndby 11'1. ddy p.nodlC
tll. to d.lemin. 11'1. 10t.1 tmaunt of ytlll' fin.nCt chltgll for Ih. billing cycle. In calcul'ling lin.nct ch.rges, .n .djullmenl will b. mid. 10' .ny IIIns.lctll1tl 0' p.yment th.1 would h.n alltelld Ih.
flll.nce chltge Cllcutafion in I p,io, billi1g cycl. h.d it been poslld in 11'111 cycle. The baf.nce amounts shown on you, sl.lemenl may dillll from Ih. B.I.ncu used in co~uting lin.nct charges. b~"uSl
the IaUIf do nOI includ. .ny 1111 or nisctl.nlOu, chllges which .re included in thl balances shawn on ,ou, sl.lement. There is no period wilhin which credil tllendtd lNy b. rtp.id WilllOUI incurring
. fin.nce chllg..
n. ANNUAL PERCENTAGE AATErAPR-' is 21.90%. corr.sponding 10 a daily periodic raIl of .06000".
If you do not co~1y wilh Ihe lerms ollhis AgreerTllfflt you' ANNUAL PERCENTAGE RATE (APRI will bl 23.90%, corresponding to . da~y pe,iodic nle of .06548%. Wa IIS..WI thl righllo chang.
Ihe Annual Percltll.gl R.I. celcul'lianS if you do nol comply wilh lhe lerms of Ihis Agreement.
FilS. W. wia ch.rg. your Accounl up 10 no 10' each billing cycll wilhin which you, Account balance tlcleds you, credil lillil, (over lint leel.ven if your Accounl is closed. W. will ch.rg. you, Accounl
up to $29 10': ItCh tltu,ntd paymenl chKk; each check you write on YOUt Account that we telultl unpaid; each SlOP p.,menl orde, 0' renew.' of such an orde,; each billing cyel. within which yaw
Account is deflnquent !lat. cbatD.I. II yau request copies 01 bill"mg sfatemenls Ihat were first sent 10 you more Ihanlh.ee ITlllnths earlier, WI may tharge a handling lee of $2.00 lot each copy.
Olf.ult You will b. in default: if you wert nol eligible fot Ihe Account at Ihe time it was opened: if you fai/lo comply wilh any part of Ihis Agreemenl; if any informalion you gavl us prom 10 be
incomplete Ot falll; upon IOU' dealh, b.nk,tUpICY. Ot insolyency; il you fail to pay ~Ihet debts when due: il a ~.nktuPlcr pllHion i,s liI,'~ by 0' against 'ou; or if we beli..~ in go.od f.ilh Ih.t you fNy
nol pay It perlorm you, ob lo.tions under IbiS Agteement On you, delaull WI may. wllhout lurther defNnd 0' nOllce, cance your ctedll p'IY~eges. declare YOUt Accounl balance Inrnedlatefy due and payable.
and inroke any refrlldy we may havl. In Ihe eyenl of your defaull, Ihe outstanding balance on yout Account shall conlinue to acc'ue inlerest allhe APR/s) disclosed in 11'11 FinanCl Chlrg. see!lOn 01
Ihis Agreement. even If WI hays sued you 10 conect Ihe amounl you owe.
Credit Lin.. YOUt ctedit Une is specified rrom time 10 time in a separale notice. We may increase Ot decrease YOUt credilline based on inra,mation we oblain from you 0' your credil retards. Your milable
ctedit is normally Ihe di~fetence bllween you, credil lin~ and YOUI Accoun! balance r'!1c1uding ~ransacfio~s made or aUlhorized but not yel pOlledl. If you send us a large paymenl chetk, we may 6'!i1
you, ..ailabre cledil while we confltm Ihallhe check will clear. Fo, cerllln Iransaclrons, ayallable credit may be less. You will nO! use YOUt Accounllor, and we may refuse 10 hono,. any lransactlOn
which wou'" causa you to elceed your milable credit
Pramis. to Pay. You p,olrise 10 pay us when due all amounlS bor,owed when you or someone else use your Account leven i1lhe amounl charged Ilce.eds you, permissionl, all olher Ilansaclions and
chatges ro your Accounl. and colleclion calls we incut including, but nOllilriled 10. ,easonable allorney's rees and cour! cOUS. (II you win the sUII, w. Will pay you, ,eaSllnable allorney's fees .nd cour!
costs.)
Changls. We may change any part of Ihis Agreemenl or add or remove r~quirements aller nOlice as ,equired by law. II we. thange ~he Fin.nct Charges seclion ollhi! Agreement. Ihe new finance
charge calculalion wiU apply to your whale Account balance rrom Ihe ellec!lve date ollhe change, whelhe' 0' nol the balane'lncludes II!tTIS Dosled to Your Accounl before Ihe chanlle dall and whelher
or nOI you continue 10 use Ihe Account.
Cancellation of Account At any lime aflet al least 30 days notice 10 you. 0' ~ilhoUI nolice il pe.milled by law~ we may ~a.ncellhe ~ccounl and you,r credit.pr!vileges. II YOUt Acconnl is cancelle~,
finance charges and other lees win conlioue 10 be assaued. paymenls will conMue to be due, and all IIher appllcabht p~oYI~ons of Ihls Agreement Will ,emaln In aflect. You may cancel your, cre~11
priYileges by nOlilying us in writing end paying you, enlire stelemenl belance by Ihe paymenl due dale on Ihe stale~nl which Indudes your Ilnal checks. cllh adyances, charges, and lees. You w~1 slUI
be responsible for paying ifny accrued linance cha'ges. It your credil priYileges a,e cancelled you may no longer Wrl18 checks on your Account, and you should destroy any unused checks we haye Issued
10 you.
Personallnfolm.lion; Documents. Yau will giye us allllU 10 days nalice if yau change you, name, home ot r,nailing a,ddress, 1~lephone nu~ers, e~loyment or i.ncome. ,You wiD prolflllly giva us
inlormalion aboul your financial allairs il we ask 10' it We may gel such informalion from others. including. ctedll ~epOtllng agenCies, and ~'~Ylde yo~r add,ress and r~!ormatlon about, you' AC,eounllo
others. We ma alSll share such inlormation wilh ou, affiliales. However, vou mav write 10 us al anv lime muructmo us nollo share credllmlormatron wllh our alllhales. II you fall 10 lulllll any of
you, obllgalrons un If I IS g,eement, 1 n~allva cte II report relleclltlg on you' eredll tecord may be sub milled to cfelllt teponmg agenCies.
CllSlomlr Servin; Un.utflorized Us.. loss, ot Theft of Checks. You will salegcard all checks issued 10 you from Ihelt II y~u discove, or suspecl Ihal any unu~ed ch~cks ~~e losl or stolen. ot Ihal
Ihere may be an unaulhoriled transaClion cn your Accounl. you will nOlify us prolJ'(llly by lelephoning 1.800.964.921~. y~u Will ph~ne, even Ihough you may nOllly us ,10 wl,llmg, s~ we can acl fasl
10 6rnl losses and liability. If you teport 01 we suspect unauthorized use 01 yout Account, we may suspend you, credll Pllyrleges unlll we 'lIolvllhe problem 10 OUI Slllsfacllon. To Improve cuUOmet
S8fi1ice and secutilY, you agree thai your calls may be monilored or recorded.
Stop Paym.nt Orders. If you wish 10 Slcl paymenl on a check. you may send us a SlOP payment order by wriling 10 us.el out address 10' cuSlomer servi~~ li~led on you, biU. You can make a stop
payment order orally by callmo the numm isted on you, stalemen!. When you make a Slop payment o,de" you musl prOVIde your Accounl number In,d speClrlC ItIl0unatl~n aboullhe check: 11'1. ellcl
alTlllunt the dale an Ihe check the name ollhe party 10 whom it wu payable, Ihe name 01 the person who signed il. and the check number. You Will be asked to conll.rm an or~l SlOP paymenl order
in wriling. We ma disre ard 'our oral order if we do nOI receive a si ned wrillen confirmation wilhin IwO weeks after Ihe or~1 order or if you have not.dequ8lely d~scllbe~ t~~ lie",! so Iher paYlplf11
can be sloppe IY our computer. e or.1t WI not, ~ e ecllve I. t e~. ee was pal y us e ore we a a reasona e opportunity 10 ael onlhe order. We may, wltbaulllabllrly, disregard a wnllen
SlOP paymenl order six months aller renlpl unless 11 IS ,enewed rn Wrllmg.
58510598
1~7~
SUCktlI' ,I CiI.. T,en"C!lonllR ,our A'COWIl w. b. PfOClUtd __.1, frtlMut our nlCnunl, 'hIl1W1"I ...., 11em. 011I "OUItlR9 ..,.lem w' ul our '1I..."on 10 e.'Nt,IN .11 WI
d 11&rr1nt. W. W. "IItWl. .Itlffluchon. when ,OU '''Oft IlIfI ,OUt (htl;~II'I.,. bttrl "" "liMn WI" 1111 II''''' OIdIA"., 10 'II",", .. lltmi. .nd w. .. MI b. n......ll' w. H MI
d,lO. TI'Il. rull tll.bhhn 11'1, Sland"d or Ofdtnlt, "" "Fhcll w,.. 0004 filth d ...tlM fl """'1".. ,0lIl' AUoulll. BICI1lSf.r our IIrrIfld 'mew, and bee'uN ,OUt (Me" dlteh.. MI
b.IIIUf1ltd 10 DIl 'Mllllh. RIHIII\tr 1111.,..,1. you stIouId b,,,"IIIII, "II.. II CbtckllR r"" dltC:k "0'''.'' IIMrWlIt"ttp, fI(OId of Ihem. 10u '!If" 10 cl'ltd WOUf ~lhIY IIIIIll'llnU 'o,insl
' 'tellll I n I h, ,
Wltvttlt CerUln "I,M.. WI,IllIY del.rOf w,jy'll'llorClm,nl olan,pr.rillDll of ttlll .'""*,I wrthovflollt9 our nghllO .'orelll: Of 1ft, 01'* pronsion",.. You w.in: IlItnthl 10 pt"""tNnl,
dlfl'llnd. pI.I.11. Of nollC. 01 dishonor; .n, .ppic:tblt .lIlull 01 "l.hIlIU; Ind "" "OIU ,tv IN, II... 10 'ICI\II' ul I' plOCttd .glllll,n,OII, b,lor. w. SUI 'OU.
.r,IlCl". bw; S..,,,.blllty; A..lllUMnL No :Nil. wtI". ,ou n.. lilt. A'""*,I Iftd ,CMIl' '"GUnI''' '0',"," b, 11d",.I.w and b, Ntw H.""sIli'. IIw. Th, A"...,..t i. . r,," .IPI'.....
o Iht '.''''~'1lI bll.w~ ,ou .~d u. .net ll\Iy not b. CGnIl.dlCled b, Mtw. " tit, ~td Ofll '.""*'1. Al en, I".. "1" w, d.llNIWl. in good "'lhlhll '1'1, plOpOItd If IRteled ItQinlilln.
tlgUttlo!y IChon, or judlCtll dtelllOn h~1 rtnd"td Ot IT'll, 'lftd" '1'1, IT'IIIINl plO,llIOft 01 Ii'll. AQI'HmenI ..,.1Id 01 UftIl'lIOlcllbl.. Ot 1II1l0" '1'1, inctllstd III, repollll'll t~Uftt!*l1. 01 ,Ih" burden in
COMlCllOII WJ1h '1'1, such plo'flslrln Of IlIenlo'CImlnI. w. ,IN,. .11. IIltul 30 d.,. nollt. 10 'OU. 01 WllftoulllClllC. If ,"",Ued b, Itw. Clnc" Ih. C',d .nd ,Out c,ld" pr~'1 and dedlr'l''''
Accovnt b."nCl mntdl.11ty du,.1Id p.,.blt. II .n, prO'ISIOn or Itll, Agr'''''1 II htld 10 b. I'lYlIld or UftIflIOnllblt. you .nd w. WlI ConSldlf Ih.1 pforjSlOn modified 10 conlOlln 10 .pplc.blt .w,
.nd Ihlllll 01 IhI P'O,11lOfl1 in Ih. AOII.mll" wll II' bl tnlOlcllblt. bUI w. ". h"I, Ih. 1'0,.110 Clnc" ,ow ACCOUIl! and did". your b,I'IW:I Iffm:dllle!y due. IS p,orided in tilt: Il'Kt4iIlg stnltnC..
W. nil, I"nsf., Ot 'nign our r~ftt 10 II Of same 01 yoW' P.ymlrtll, 1111.1.1." rlqUWtI Ih.1 '01,1 rlClA" noUct 0' such In nlftllo pfol.CI Ih, pwch.. Ot assign", w'lN, 11'" ,ou such nolie.
b, '~g . rlltllKinglulwntIll wllh U.. 11.1,'. S.CIIUry of 51.1..
NIUcn, Olher nolic.. 10 ,OU lb.. bl .Htel;.,. when dtpoJiltd in Ih. IntlIlddr.11td 10 ,ou .1 Ih. .ddruI Ihown on Olll' tlCOId.. unit" .1on0" nOlic. period il SIlteifitd in lhi. '\"",,*,I Ot by Itw,
_It ptriod ifill 11111 upon IT'IIiIing. NOlin fo 1,11 slIlI b. IN.td 10 Out Iddl'm lor CulfDlr* "'flC' Oft ,011I' 1I11'"*'1 lot Olhff IddrllSlI W. lTII, SIlICII,I.nd sil,. b. .lIteliv. whIR WI 'Ie",. il.
Y,Uf Illlln, Rlghtl - ....p Thll NaUel 'or Futvft Un
ThlI notic. conl'''1 ~Otl.nl inlOlmtlion Iboul 'Out liQllll and our IIsponlililitl und. lilt Fti' C,edil Bllng ACI.
N.tlry U. In Call If ftlOtS or QunUonl About '(OUt 1111. II ,ou Ihink YOUI' ,. il Mong, 01 if 'ou nlld mor. inlotmtlion .bout III IIllly on yout bill, wril' u.. on '1IP'"I. sIl"t, .t out' .ddrm
lor cu.tonw ..w:.lsltd on your bi, Writ. 10 UI II lOon II pouibl.. W. IfIlII hll' Irom rou no Itlff Ih.n 60 d',I.111It WIlli'll ,OU Ih. lirll bil on which tbl 11101 01 /Hobin "",trtd, You C,1t
ttltphon. us. bul doing so wiI nol """"" 'Out tighu,
In ,our "llff, gin UI Ih. following: . 'aUf 1'1''''' .nd Accollnl nulriI" . Ih. dollt .mounl of Ih. suSllected If tor.
' Ollcrib. Ih, 'I'Ior .nd ..pl.in.1I ,ou Cln why 'au belin. lh", i. In .ror. If 'au nllld motl illoflJlllion, d.scrlb. 1111 item 'au '" nolsutl Ibou!.
YOUf Rights 1ft' Ou, Rtspollllbllldn AlII' W. Rte.lv. YOUf Wrln.n Nolin. W. ""II .cknowftdg. yow Silt. wilhin 30 d.,.. unl," w. h". conteltd Ih. .fIl:ll b, Ihln. Wilhin 90 d.,s. w.
""51 tith. COtrect Ih. .rOl at 'Ip~in ~h, w. belin. Ih. bil WII COffICI. All. w. tIC":" ,OIJf Sllllt,. w. CIMot Iry 10 coDtel.n, .mount 'OU qu,slion, or r~on you II dtlin9Uelll. W.. c.n c.onl~'
to bil you 'orlh. .mount you qUill/on, IIcklfflltg tin.nc. chllg... W. CIII .ppty '1'1, unp.id .moUn! .g'lI'lll ,out Cledlt SrI,. You do no! tI''I'IIO pay .ny qu,shonad .mounl wllil. w. .tI "'''t",''lIIg,
but you 1t..tiII obig'llll 10 p" lh. PIIII 01 your billlh.1 II. nol in Q\lllllOn.
If w. r.,d Ih'l w. Intd. . mil'" on ,0Ul biD, ,ou wiN not h". 10 p" '1'1, rl'l.net dlllg. t""1ll 10 II, qUllliontd 'mounl. If w. didn'l mtkt I nt.l.ke. you mt, h". 10 P'I rlllnc. chllg.s. .nd
you wi hIV, 10 mak. up Ih. rriSlld p.,rrenu on th. qU'51iontd .mounl. In tilh., clle. w. wil JIJld yo~ ..tllttIWIl 01 tho .mounl 'au OW. .nd Ih. dill Ih.t it is dUI. If you .ilo p., Ih'IfnOUftI
WI think you ow.. WI may tapOft 'OU II derlnquent. Hown." if our upltnllilln dOli nOI ulillv ,ou IIId you wril. 10 UI wilhin 10 d'Ylltlliflg UI Ih.1 'au sliIl r,'uJlIO p.y. w. ITIIII tel.n,on.
w. rtpon you to Ihu YIlU qu.slion 'OUt biD. And, WI rIllSI leII you lh. n.~ 01 .n,one WI reporltd you 10. W. ITIIsI till .nyon. w. report you 10 Ih.t lh. matllt hIS been SlIlItd bltween U. when
il rll\'ly i.. II w. don'llolow lhlJl rul.s. w. c.n'l ClIett Ihl first t50 of lh. qUlIlianld .mounl, even II ,OUf bi WII cotrett.
EXHIBIT
I '41"
VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
PARK LAW ASSOCIATES, P.C.
25 East State Street
(2l5) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
FIRST DEPOSIT NATIONAL BANK
Plaintiff
, Jrrr
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
VS
ELLEN E OWEN
Defendant
NO. 99-1897 Civil
NOTICE OF PRAECIPE FOR
ENTRY OF DEFAULT JUDGMENT
TO: ELLEN E OWEN
105 MOUNTAIN VIEW DRIVE
ENOLA, PA 17025
DATE OF NOTICE: 04-30-99
IMPORTANT NOTICE
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 THIS
NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY
LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE
TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO
TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL
HELP.
Lawyer Referral Service
Cumberland County Court Administrator
4th Floor - Cumberland County Courthouse
Courthouse Square
Carlisle, PA 17013
(717) 240-6200
PARK
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.
-,
.;
VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney 1.0. #72094
PARK LAW ASSOCIATES, P.C.
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
FIRST DEPOSIT NATIONAL BANK
Plaintiff
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
VS
ELLEN E OWEN
Defendant
NO. 99-1897 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 ELLEN E OWEN, Defendant,
is not in the Military or Naval Service of the United States or its Allies
or otherwise with in the provisions of the Soldiers and Sailor Civil
Relief Act of 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.
~
VALERIE ROSENBLUTH PARK, ESQUIRE
ATTORNEY FOR PLAINTIFF
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.