HomeMy WebLinkAbout99-04697?I
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nRIGINAL
HAI HAYT & LANDAU
BY: ARTHUR LASHIN
IDENTIFICATION NO 23425
SIXTH FLOOR
400 MARKET STREET
ATTORNEY FOR PLAINTIFF
PHILADELPHIA, PA 19106-2509
(215) 928.1400
MONTGOMERY WARD CREDIT CORPORATION
880 Grier Drive
Las Vegas, Nevada 89119-3718
V8.
CALVIN L. BULL
2 Wheatfield Drive
Carl'isl'e, PA 17013-9004
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL DIVISION
TERM,
"NOTICE
CIVIL ACTION
YOU nave pern I.IRI in fain- II Y.- -n In dol,n, JpJln,l
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..YOU SHOULD TAKE THIS aA PIF TO YOUR LAWYI R At
ONCE. IF YOU DO NOT HAVE A LAWYER OR II ANNO, At
FORD ONE, GO TO OR TELEPHEIIE THE O!'FIC1: 51.1 eOR TH
BELOW TO FIND OUT Wr1E RI: YOU CAN GI t LEGAL nI. LP
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, Pennsylvania 1701.3
(717) 249-3166
"AVISO
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CIVIL ACTION
1. Plaintiff, Montgomery Ward Credit Corporation is aNevada Corporation with offices located
at 880 Grier Drive, Las Vegas, Nevada 89119-3718.
2. The Defendant(s) Calvin L. Bull is/are individual(s) residing at the address(es) contained in
the caption of this case.
3. Pursuant to Montgomery Ward Retail Installment Credit Agreement (hereafter collectively
called the Agreement), a copy of which is attached hereto, made a part hereof and marked Exhibit
"A", Defendant(s) was/were issued a Montgomery Ward Card account number CS 1 885 135849936.
4. Defendant(s) subsequently utilized the aforesaid credit card to make various purchases
thereby incurring payment obligations to Plaintiff under the terms of the Agreement.
5. Defendant(s) defaulted upon the Agreement by failing to adhere to the repayment schedule
contained therein and in accordance therewith the entire remaining balance became due and payable
immediately.
6. The Agreement requires the Defendant(s) to pay late fees when installments payments are
past due.
7. The Agreement further requires the Defendant(s) to pay reasonable attorney fees and court
costs if the account is referred to an attorney who is not a salaried employee of the Plaintiffs.
8. As a consequence of the foregoing there is presently due and owing to Plaintiff by
Defendant(s) the following sum(s):
Unpaid balance: $1,821.41
Interest: 302.40
Late fees: .00
Attorney's fees: 424.76
Total due: $2,548.57
9. Despite repeated demand by Plaintiff, Defendant(s) has/have failed and refused to pay the
aforesaid sum.
WHEREFORE, Plaintiff demands judgment against Defendant(s) in favor of Plaintiff in the
amount of $2,548.57 with interest and costs.
HAYT
By:
Arthur Lashin, Esquire
Attorney for Plaintiff
....................................
RETAIL INSTALMENT CREDIT AGREEMENT
RETAIL INSTALLMENT CONTRACT
REVOLVING ACCOUNT PLAN
L CUNIZRAL Thu Agreemenlcaalaim thelemsand mndiaamthalapplyto. andgovam the use 7, wHEx FINANCE CIIAROES BEGIN TO ACCRUE. New PmcSmes we added in
.1. both the Maulgomery Word Credit Amount and the Manlgamery WardSlonerAmum, wbich are determemng the daily holenmand w:.' mma France Chorye ham the dinedpurhamascepas
dentical except car the applicable Emma Charge min stated in paragraph 5 below and the provided below. In MA. ME MN, MS ST and NM. aew Purchases rdl not mar. Finance Charge
applicable Mfmmum Payment stated in paragraph 8 below. In this Agreement and in youmanlhly owing the billing period in which die. me made. In all states no Finance Chage will be Imposed
gmemeaL IM wood 'Account' refers to each such account oarless separmely designated as a dunog a heUmg penad if cat There is". balance of the beammag of the Who; period PPrevlam
'Credit Aaoum'm'SlmerAaounfl.'We."us.'and'our' relatoMonogr® Credit Cud 6mkof Bolma lorlblfii sin you paymectaa°ddhermedilaam feint equal to the Revlon Balance
Cmigm, 7810Aowell BmdBudiing 100. Suite 210. Atlanta, GA 30354mouamegnees.'Youand in these cams new Purchases -111AN wow a Finance Charge in the billing period -bon they are
Ymsrefertoall penom who were approved to use the Account. 'Cmd'refers to you Montgomery made on it they me paid within 26 days of the Billing Dote To void additiona'Finance Charges.
Word Credit Cold issued to you byre mallow you to make purchases on credit under yon Actmml.
The card tamer we mad wilh your Card is part of and incorporated into this Agreement. Please 8. pay your PUN New 8 PAYP in
T. Wthe there sl Due Boil shrewd m your $Imstant.
rmdaedkmpdin Agreemulforyouremrds. Thu Agreement begins on the doe that we eymd i• NDSD?IUM PISTNCNZ hen Payment
Bogota ehownonyou5tmemen1.
credit to you agree to
you an you . Accoul. in evidenced by a signed son seep that no honan an accepted pay of lent ills Minimum Payment caDys be an that Statement. in
es s a Ica matt t. by the
memarandum or otherwise. wiseww Payment Due Date. which will be Bi days after the Heeling ling pao shares an thin Statement. ll you
2 USHIO TOUR ACCOUNL You mayua uCaed mistake quality taro Credit Amount. diehfmrmum Payment will be diagrams: of SID= 6/016 d thehrgheaf
Irmeurder y° pmchoexm credit from time m New BolmmdrymAcmmtsinaillmlhas°bWa otS7(Dalm.:m,- upmlbenenwhole
you Amount. up to my edit limit we may establish fm your Account (you *Credit dollar a t pin in each cage any pal due amoants, m dig entire New Bill== if the New
Lmit'). If year Account is ajaud Ammust web of youmuy are thocrdit thatempmndamy°u Samamulen(bmflB Shama the Minimum Payment will instead beSl08the New Bolmmd
under yam t. your AcmmldechnamSM"lm B you W
7. PROIOSC 70PAT. Youagreembehouodbylhu hi oBfybralancet Armum, you Nmeitlp bad al
Agreement Youpromim to pay forallmodit will be ZODinldmSID ar 1140th nedup at tthe hemadwh New Blomdyou you Account
inaachsireNany pal nshade greater then weeaerdan you behalf for your purchases s (including mail and phone older. if aryl. made by balance rtoonon.twededupmd teeNhdeddl is Im than SaHt5msoe Musa m
you m anyoneoudimued by you(?uchaam'), and all other==Isowed ton Under the lease of °m°mb'ahe entire New B°lmue ew New Bemncs ulmlhan52QHowara the Minimum
lhu Agreement. BymaAcmml Ira jomtAcmunl, web of you isbatd by thisAgmeraeat. mdeach Mimmuimmst will be rgs it the New Balance your taotiinul elowl=AOm6as. The
of You jointlymd individually pramime to pay' and may be bold liable for all am°uos owed to uz mP ofthla particular ccular Special dal Payment Plan. PlmslmdBueredha ot,toardit
includingPuehmss made by my of you in anyone mthodsed by you. faith the to te paragraph rmsof dig 13 o this Agreement. AUp y,which may be Mtedhamumato Nineai cat
4. TOGA ACCODNTSTATE14ENT. We will mad you a billing stmementlyour'Statemeatl si to oat themb howom m, yoummb, en AAyspumd psym received aslbe mailed
for each monthly billing ml= ad to mthao=yb=wiUbe meet A°ypolmmb aaddbr9.00a
es than period
mayi°acwcrue which
on Ian yon the Achalmunl ms aridyoudescribed Account in in Paagrahs5. nSend pd7 FmloonSlybedot" p10 find ays if p entis(edonlheived at the
hm.finan ce charge 4doy.Crsdilmyou
PbemurcwFFm Chages'laed fessdiat may assessed Pm Us a5, rap 7 shown an maybe delayed Statement (vinz Pys Naymenealet not adatthe.dorm fort JQ ,I
ao a odescribed ail ivpmagmpyl shown yaw
9. Mind l l belowFFemiDon the lot Wlhin billing perioded (thelthehew Balance') is gmaterthatill ?P mi
b the top top ppmnhmof your Statement. ),(hl cat mode in y,DS. dooms,° IC) °l
yyou to ou ou Amour
bey td by able Late Payment Fee Fe e at al mcz.z Charges. nt. Delayed that any payments; se an Account
f debit Th t we imprm, slaws:- o heupo Chmge in aFee. cl o immun by Wood store = hiecontgomery Wy, l"aw.. The Statement shoaws: W tat the mpdid halms of you Aanont at the otherwise heegmding of the applicable
billing mode or o ° Montgomery ry Waro re handled ed by Montgomery Ward m a amvadem tar you
period:mlymupaymmbmatheraedibtoy=Amau°IdunnglhebDBngpemodfc)y=Pumhams, aime.otdeommt ivederaaeptedbymmtilp allyreceiWbyns Youalwagmelhat
Finance Charges, Fm. and all other debits to you Aammf during the billing period: (d) the New we may accept, without losing ou rights odor this Agreement or Ohemse, lot in partial
Balance. W the minimum payment you most make (the 'Miumum Paymem6 and lD the date that payments of checks in money orders marked -payment in full' or any whey similar dmst ion.
the Mtsim=Papmtis duelthe'Paymeat DueDme'). Wewill seedyourStamment so the odor= We rexrve the right to apply the parnents on year Account in my amain we may, above in Ou
specified an you application at such other address that you Ill a joint Amount. either of TOW specify idle dismelion
ham Nmelotimemacmrdmawimpm°gmph23belowB _ _swbjecttaappBmhlelas Although wspmtyourpaYmantsmddiedmewa receive
you appoints the odiedaloyouagent to designate the addreo two which the Statement lined my taemedr.+,ms(anle mditlimltmmrdbetnmmdfmupm7dapaNeeweteaiveyam{aymml.
other notices) maybe scat in you by n. tax ramming the credit available to you by rwsos of your payments may be
further delayed AB credits far payments an yam Account me subject to Beal payment by the
S. nNANCE CHARGES. When your Amount ho a balanm subject to Finance Charge (o usblmon oa which the item of payment was drawn
described in pmagr* 6 below). we will aasm a Finance Charge calculated by applying a All written communications concerning disputed mmoums. including any check or other
monthly periods rate (a described belawt('Monthly Pumdic Bme9 to this balance, payment instrument that W indicates that the payment constitutes
'payment
hill'al the
disputed amount awed. di) is tendered with athoi conditions of Nmilmioofuirl is mhenrae
!e) A you qualify for a Credit Acamal and B you live in any stale except IA and WL You MY" tendered as full satisfaction of a disputed amoral. must be mailed m delivered to u at the
Periodic flint. of FINANCE CHARGE is 1.883% (corresponding ANNUAL edition for billing inquiries shown on you Statement. not you Payment Address.
PERCENTAGE RATE of 22.6%). If you live in IA you Monthly Periodic Bate of
FINANCE CHARGE u 1.65% fcorrespoining ANNUAL PERCENTAGE 9'?um Pment y}he Payment toympw awns your Fa of315Nnbeml retain your rEE. We Lase Purnecial RATE of19.fi%).0youIt"inWI. yaw Monthly PedcdictimeofFINANCECHARGE Mi°wumP°ymmlCO.DC,OK UTeremay, Statement. esmplmprwided
Is 1.5% (corresponding ANNUAL PERCENTAGE RATE of 18%). you Mo Minnmstoat Payment ent Dun . MO. 1 thin 10 days am the ayeys am the l Payment aymen Due ue F Data eedi ehw° of am a dowlrxaive
you um . you Gwent
liilnyou quality imaSlmerAaamt andnyou live in any some except G and WL non monthly Statement. lfyou nnmCA IAMO,qmWL wa coal imposaalate PoylemlFa.dSI065nyou
Periodic Nine of FINANCE CHARGE is 2.166% (corresponding ANNUAL Mmmum Payment is lm than r25 in MO) it we doW retain your mu== Payment within to PERCENTAGE RATE of 26X1 . If you live in U. you Monthly Periodic Bme of days after the Payment Due Denasbanonyound mat Statement (within 20days oGandwithin
FINANCE CHARGEul.65%(mriempmdmgAMMALPERCENTAGE RATE MiumummWI)'lfyouhnuBLwemayitheymentDeDatFwduM.50Dwwemacmposea
of 19.8%). 0 you live n WL you Mandily Periodic time of FINANCE CHARGE is 1.5% jade Payment p0ymeFee eff$1i itywMi-er the payment Due Date.If you vedontut PHwdWyitpaea
conespmdid of 312 mu paPayment u cat receeed chard M days emPH t die
g ANNUAL PERCENTAGE RATE of 18%). biting doe of Ihe Slmement an whoa: i_ an such b Minimum Payment' first appears. B you fire inPB at TX
A mulmom FINANCE CHARGE at 5.5111 will be assessed lot any billing paned in which no late Payment Tea ill be mpmed Fmana Charge is due. except it you live in WI no anaimumFINANCE CHARGE will be INDIANA RESIDENTS: The aseeaat of the Late Payment roe is subject le
assessed in any billing period in which a Loa Payment Fee u Unissued in any billing period is change as peseedad in Indiana Code Section 24-4.S.1-106.
which a late Paymew Fee is gemmed and it you live in All. DC, M. MD, NC, NE PH or Rl no 10, RETURNED CHECK FCC. We may impose a Returned Check Fee of SID i15 in CA and the
mmunum FINANCE CHARGE will be command. lesser of 5% of the amount of the re=ed check or 510 in LA) it my check mat m in in payment an
6. RALANCC SUB]CQ TO I'DIANCE CNABGG We wiIIB you Amami is refu sed to us unpmdby you back .esmpt that d you lire in AL DE GA 2S, ME MA.
Account (e¢epl n you nn in MT) gun theFmanceChmge oil your NE NI, PA PH. VT at WY, on Returned Check Fee will be imposed. the 3amnce'al you Ammsf(ududing mraem Pmnhasesmamai in the nmaaLLaed belay rein 3LRTTORNETS wAND ar OTHER COLLECTION C0S73,RU.adekmlL..mtaymt
exclude current Psachmssl. To get' the Average Dilly Bakan . we lake the begin ing balance of Acmant ear collection ionion to m an money, who a u not not eu s salaried employee. event
yourAcmmt each on addmyNewParchasu(esc we may. to the
rt=1
s m
in adier mineeddmyowye eeiland Olmuffed by aePnmWe fees. charge you mmllen ham you my inn«limmpzisdedugmm ant
livemMA ME NN. MSmNMl and suhmms any payments in mediLL Iola Payment Fees and Old amenable attorneys teas
Refused Check Fma (a" paragraphs 9=it 10 balm). tewmm peanumz prepaid legal services 12. SECURrrYUrnZ L ExmpidreuOninCr•MO(mmypuchmeu°daS1SBi.NC.NYm
fees and. it ymIt" in AL AR AZ CA DE FL HL 111. I.A. MD. MS. NE PA in PH we also volumes any PH w will have a pumhme modeysacantymrereat in all asneyandiee
mPmdF'mmmCharge This gives ume dailyhdanm. Then we add up dl the daily balances fen and such merchandiseu paid Pur5medmyhe Pamnt
the belling period adddivide the total". number of der in dig bit* ih. d t we do wt smapplka Slinimum Payment "don I
period. Thu grvesndie OnOars.we mayreposs, On tatan domlhnmh
Average Daily 9alanm. the Pam
B you stn in Mr. we win Bgum N Fieanm . the merchandise that l has ho sin been paid d in le hliy r pin ogres that an efomiry une ism
Chmge an your Amami hyapplymg the Monthly will be retained in aorynad min this Agreemmfumyed ptopmywhich uaeadmaexpetad
Periodic Rate to Ibe'Adjuned Balance' al you Amount. To get the Admired Balmue, we take the the lobe used m You dwelling.
balance you awed m the and of the puriau billing period and subtract any unpaid Finance IS. SPCCIAL PATNENT PLANS Fmmlimeta time -emmyotlaspecial paymmtplao with
Charge. my nuance prumns. and my Payments or Ober credurecesed dung the curvet sespmtocen° Purcboeawyou A=ml(Spemd Payment Plana. Thesfmdaid pmnnomof
g period
this Agrmmenl Including Finance Charges and Pont apply to any Special Payment Plan union
fyu -7 m
Iamm o*nt wttba Poemim Spemol lsaymenl Plan ollenng. U you a rymu Account in
ocsardaeca
with the terms of a Special Payment Pam. you ackmeldge and agree in the terms d the Special
Paymeul Plan. No head modification m intentional of this Agreement will he necessary The
slams pmnumsotthis Agreement will caalmm la apply to any and alitianescrirn that ms not
subjeci m a Special Payment Plm. Spend Payment Plano may include, but are not limited to.
deterred Payment short, payment extended termsand Finance Charge wain, plan,.
17. C7UINOC UI TERMS. We may. many time caul mbwm to applicable Iaw: ml amm this
Age t: (b) termrmate your right to make lame P rcbasi : tel change your Credit Wontom Idl
charge my Other ems and co siblu , at this Agreement relating Ira your Amount (including
increasing =7 saw of Fiaann Charge. warning in adding fees a c6mges, dinging Ibe method
of damming the bolancs upon which Fmano Charges me awed. in dinging the date upon
whidtfm Chmpnbtglemmauel. Union prohibitd by applicable mw, we may apply ,it
thanpd by new terns to any oweredmg h ilmm of your Acme on the effective date d the
chngeand to oar tuma balances imrmd after that data. Whoa regdred by apWicahle mw n
will marl a notice of clingets) to you. No charge to any term of this Agreement will afisct I m
obligation to pay of mas ums owing under this Agtwmeat You OWN Ihm your outstanding
halmo an title Amaral will not sand your Credit Limit no you Gedll Wilt may change but
d"109=.
U. 11171 IILL Sabjem to the limitations at applicable law. you wig be in ddoult under this
u?n?ymuId mmmknmlent WeNinimum Paymentwbndm:th)your nolmlm
may Win Agm=t a (cl your becoming the subject of
ban a iaolvenr/
protesdfmge Adzes delmult ayon death =it tubjod to the limitations of appkable kw we has
the right m W reduce your Credit Unit a terminate your Amount in which car the limit of this
Will apWY a1111aU Payment of ilia mmml owing on your Atmunt including Promo
to the alas d lull payment Is mind: UU regdrt immediate pmYme i of your enOn
mowivill ou.iodldlog5pomdPayment PlmWon, allmcmdbutumpddFinance
gee,
ad all Fan and elite rl?m9gnn Wld is this Agreement; ad OW bring on ado to mUscl all
amdmmawed.
1A LIZIUL TTMIYU0TR0A®OQ You maybe Uahla hntMu outhouduNd
yourCmd. You air
bootiliappoommPW'sspomlamNmgdtha Iasi.tMN.apaaiWammthahad
useed aaCmiwWmthellehh Wwmulhmimdmdsryouno*ubywntl lop.O.Bos
HOOK BoawolL CA ? or by m1Unq as at id00fiv-9m in any cue. your UaWUly Will rat
,wed 0 U year gin ve ono arey. you agree in wlim it in "frog. Yo agree than
umu6=W err don out include ma by a prate who yar ban To mmaity to uss
the
Acmlmt aCard mdtbrlyou will be liable for of use by ye non o humane mummadry,
pan mudmaUyam 1E06967.9D2.
17. MC1111T REPORTS AND ACCOUR7 1111TORKATI011. You gin u pormisim to
tw...u vog an Tom crsmr ncam mayor suamsdad lea
crditnpmtimgogamyUYM m(u11W the ismsmtku Agraamnt
IL rOBR6®IO INFORMATION. Ym ginwmdmyholder of this Agreement Feminism
to hunhh Imlermdan about yon (usmUT adY your mm. address and other identifying dear) in
d Wk-twebMtlmoryour ymaawahour anmaws, Ycavanmilurequ cm estsmethnthenwe you ambitious hrmiehiog this information m outside mm I m by wind P.O. Box ,
Russell. GA 20018 W you fin in the MR dCaUmrma odytYou Maytdlus d m 1400Z&4MM.
pm UOIMIIONTOpgO. Wslmten7amommmlloondmtmllyTo easun Lboym
rmmem??e mad you airs to may o mm'sm-, your buff ? be munived bya ban 59or mWLIIeService cammushon me such ssrnnobsseeam6aen property licensed by the
g aquipmant
20.OCLUINCNrONC121fill Weomdalayeahabgmyolom rights under lhuAgreement
:: under applicohle law without 101=9 MY Of than rights in my other rights. Eased we do mot
noise am*to be remedies m any one nine wo may auto= them m a later note,
21. AptimaNAL RIaRTS Or omm We may agree mestend the duedate at any payment
:ae
ucads Agreement. mnlmr in nlease ass, in in thol whole e a in in part my any sacan other prom ryrison mws ohovememorphs under
this
ze Iremnthmt notifying you and tr o in while or in pm
p p art hitamyoyourobn9ouat
i?eomewwount orlothe rate easing order this Agreement w toathmsepdoan the term and moditiom at
:w Agreement
22. CENTAR1 WAITCRS. You worn the right of 'presentment and 'oom a at dishonar'
innatmmi memo the right to region w to demand payment of amounts dm wider this
.,.mmnL 'Nonni at duhbom' means the npht to requus a to Stn nonce to the permits that
mounts dm motor thus Agreement have ml ban paid You also cabin dunce fm payment.
:mint. inn of protest, and all older witicos and demands, to the hWwl event permitted by
:pplimble intr.
23. CRINOCOr ADDRCSR. Ym agreemodUy UTan charge your address. Untllnrwin
was al yon me addrm, we will cannme in sad SMements and other mutes in the lost
:ddrw you psi me for this Aaom1. Ym agm then whe=yar notify u d a mwodd=, m when
we mhorww rain ratite d Your mw ddrest. the nor al Iha Agreamaml apecifiarlly apficabla
:a the rddemtsdycur40, wilt applysotheentw balms of Tom Account eat" reone mum
:IYmmmwbddreu.
2/. aOTDIN036 LRW. Thu Agresment and your Annual me gaud by and construed in
:mmdma with the laws of the tame of Georgia, without regard to internal principles of thaw of
:wad applicable tederal law. The IegaUry eefatceahdity and uterpretarion of this Agreement
:cal the amaunla ca=vacid rat clmgd and received hereunder and cadet your Amami will be
::eemd hythe Ian of tba rmealGacrgta Tma Agreement neanred into between you and "m
?a M We make decisions about grantm9 credit to you from, erend credit to you under ibis
neemem mm, and accept your payments m, Georgia.
25. ASS 111111110M. We" sell. asago, or transfer all" anypowmnotYoutAccountm&cmm-
tavmler IaYou, Ants odes this Agreement nlhout lmm waters myeu. Youmaynm telL assign. w
26. SCTCRAMUM. 11-mu provision of this Agreement nlmollydatemtned to be said or
uneotarceeble under applicable low. rule, at regulation. all other provisions of this Agreement
shall still be solid and enforceable.
27. CI117131CAGRECICCRY, Thins Agteemntmostitutntheeniimagreemnlbetwm mend
a nlanagioramAantaad supercMnmy aNarpnatw=tempmmeousagreemeni betreen
you and us nmsg m your Aaamt. U there is any ma0im between these doament, the *mew
Ibis Agreement maul. This Agreement may am be =ended abrupt in accodavice with the
provimono of paragraph II of this Agreement.
STATE AND MOCRAi, NOTICES
Youmay m any limit pay cif the hall unpaid Wars order this Agreement without my additional
Service(loran)charges mm Brat in ess of these permitted by lawwill becharged outstanding
bake sfrom moth to moth.
NRRTLRNDAtSSMCNTRs Ym ban the right undarktaylandCommercial Lew Code 12310 to
reoin m maw m a wsitten Inquiq camnmioq thedahu dyom Aomunt
JIM fait" )L?wAuCd?em M?M- Whom thi Agnmmmmi mmacsmpummtbm mayor will be
tabI Prohibited by m suhjam m, U mpkaeoh in UmmNmtd
New Jersey lawpemltsarequla tbeactcrpmNce subject to me )dl 'applicable low.
send 00 dayspria wrimn notice of of F1 almtlonor mcWnwW
'
mono d an mind increases) and(W? mairsese in ? Me in ®awillutmanm CGmgo1he ?xcxdhfip 3500 of yaw aummi imgAacemt balonm and 10% of thee?mess d, will rat sad 21% of the But
FMMTORICOACAQIENM Ymmaymgnslampydthu Agmmeotm5pmieh.
YMOMM RIMCRTSt To avoid dubma l Fine Charges btmq lkad to your cuasnt
Purehasar on the mUawingmonth'? statements, pay the NewSenreca i mmt61 statement in
lull by the due date,
NF. aware,
President tars
7840 R7 UNoted Bulldog 100. Suite 210. Atimm,OA 26750
Nutioe The fallow V is important Worm chm regarding your right to dispute biUimjemrs
TOUR RR.LIQG RIGHTS.
HEEp TMS NOTICE rOR POTORE OSE
Thu mnmonmlalssimlumanl iufmmatiaoahaut ywrrighbadaurnpmdy8tiasuodrrWaFau
Credit Billing
Notify Us in Casual Fmn be Otrrtiers About YourBW.
If YOU thinkyombW Visiting, a if you need mare idommonaboui a ttiasmfiaron pourbW. write
m an Roper asheal at the addren shown an your SMementlahiBiog uqulriee Write ma soom
mpnssible. We mud hem from youanimsr thmbOdgsahr"miyouthe first hill an which the
am cur problem appeared. You cam telephone we, but doing so wall vim p myou right,
In yam (attn. gin m Theldbwing information:
Ym- andAu mmnumbee
The dolia amoun t d the msspamd erm.
Desci6e the mm and explain. U you ®. why you befien then is an em. U you need man
lelife atlas describe the ftem You are not sum abort
Tour Rights and Our Responsibilities Alter We Receive Tear
Written Notice
We onus a'kuowledgaymulnhr within 30dary ualenwshaveamncld lheetmbYthen Within
90 daps. n meet ertheranem the arm wasWam why n Mfiere thebW sum meant.
Aber we tecein your loner. we canna by to mllem my amount you question, a now you a
dallmquent Wecmcaonoue to bbl You car theomoml you gmsum=1udimg8nanonbargeeond
we can apWy rap mpdd amount agoras yam alit limn. You do ml hevo to pnymY qunnmed
amount while we me investigating, but you an snit obligated to pay the pmt of your hill that are
not in question.
U we had that we made a mstake an your bull. you will not live topay any fimancedanges relined
to any questioned amounl. U wedida t make o mistake. you may ban to pay It-changes, and
you will have to make up bay mind payments an the questioned =out. In either cone, wo will
lead you a statement of The amount you owe and thin rime it u dm.
U you tail to pay Iheamount that we think you owe, we may repnyou nodaUnquemt fmwever.dom
esplatsmm doesnm satisfy you and you woe mawohm readays IdUng us L"StW nmseto
pay; we mat tell anyone we report you to that you haea quemaaaboui ywbiLL And. an mmtl,ll
youthenamealonyaneweropmedyouto. We mum loll anyom we reps youmthmthe mar othas
heed sealed between m when it nmLy t,
U n don't follow these run we anal railed the first f50 of the questioned mnumtnen if your bill
3 mane.
Special Rule for Credit Cord Purchase,
U You hove a problem vim the qualltyal Imp" a ssnue that you Forth od with acredit cad,
and YOU have Mod in good faith tocanem the problem with the sum ut you may base the right our
10 pay the remmom9 mmauol due on the property at semen,. The me two fimmtim, on thus right:
mi You must hbon made the purchase in your, home dmea. fl m1 wihm your hours wars, whim 10D
male, of Your camel mailing address: and 21 The purehass time mud ban bon ran than 350
Then limumom des our apply it we own or operate the merchant. or d we odd you the
aanrusement car the preprry a U,ow"
STATE OF GEORGIA
SS
COUNTY OF DEEALH
PHYWS G. GRAHAM
being duly sworn according to law, deposes and
says that he/she iWUMENTATION SPECMUN GE Capital Services, and that
he/she is duly authorized to take this Affidavit on behalf of GE
Capital Services and that the facts contained in the attached
pleading are true and correct to the best of his/her information,
knowledge and belief.
Sworn to and subscribed
before me this day
\\\\\\\\\1111II ?1I?//F %i
of JUN 2 4 1999 G119
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of Pub is 3 GEOR02
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SHERIFF'S RETURN - REGULAR
CASE NO: 1999-04697 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MONTGOMERY WARD CREDIT CORP
VS.
BULL CALVIN L
SHANNON SUNDAY , Sheriff or Deputy Sheriff of
CUMBERLAND County, Pennsylvania, who being duly sworn according
to law, says, the within NOTICE AND CIVIL ACTION was served
upon BULL CALVIN L the
defendant, at 8:48 HOURS, on the 9th day of August
1999 at 2 WHEATFIELD DRIVE
CARLISLE, PA 17013-9004 CUMBERLAND
County, Pennsylvania, by handing to DEBRA BULL (WIFE)
a true and attested copy of the NOTICE AND CIVIL ACTION
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs: So an;:
Docketing 18.00
Service 4.34 d
Affidavit .00
Surcharge 8.00 omas ine, eri
8/T HAY9 &//LANDAU 16/199
by
epu y 5 eri
Sworn and subscribed to before me
this 10 day of
19 A.D.
rotnon
PRr:c? :: S' FUR 11'iiir Cc" E Ci Ti0:1- ; 1-]' JUL`Ub:E\TS)
P.R.C.P. 3101 to 3149 Etc.
MONTGOMERY WARD CREDIT l
............ ....... _
w.
----------------- - --------- - - ---- -
CALVIN L. BULL
----------------------- - ------- -
IN THE COURT OF COMMON PLELS OF
CUMEERLL.ND COUNTY, PENNSYLVANIA
Writ No. __ 99=4697 Civil Trm 19
No._---------------------- end, 19______
Amount due ____________ S Zjft$
Interest from
An'y's Carat ............... Coln 3
To the limmonotam ofsaid Court: ISSUE a'RITOF EXECLMON IN THE ABOVE MATTER
(I) Directed to the Sheriff of _ CUMBERLAND------- County, Penna.:
(2) against ---------
_. -CALVIN L. BULL
(3) and arains[ ________________________________________.____.___Camidtce (s)
(,) and index this writ
(a) against _.
;b) against
Defcndant (s) and
----------------- ------ _--------------------------------------------- Zamishee (s),
al it it oendens against the resi Proven•.:; ;he defendant t s) in the "me of the Garnishee i sr as ioi:o.., : i Speeiiieaily
dncnbe vmpem) PERSONAL PROPERTY LEVY AT:
2 Wheatfield Drive
Carlisle, PA 17013
(S) Esempnon has (not) been wavea.
Dned--------------------- -
Atlomer for Plaimfff(s)
VOTE ARTHUR LASHIN, ESQUIRE 1123425
Yoder Paragraph (1) when the wn: a directed to the sheriff of another county as authorize, by Rule 3103(b:,
the COwM snonld be indicated.
Under Rule 3103(c) a writ issea oa a transferred lu dRement may oe directed only
la Willed mum to the renri of the county
.
Fananph (3) above should be eomaleted only if a named garmsnee as to be included to " well. .
Paraenoh U1 (a) should be Cammesed only if index Ing of the eaeeuuon in the eoumv of usuanee. is desired as
a0hoft[ed oy Rule 310,(a). When tr.e ant issuesW anotner county indexing a required as of tovrse in that
coullq by the prothonotary. See Auto 3104Ib).
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. IN TIME COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA
0MGfNAU CIVIL DIVISION
MONTGOMERY WARD CREDIT CORPORATION
VS.
CALVIN L. BULL
0"WNA4
NUMBER: 99-4697 CIVIL
PRAECIPE FOR DFFAUI.T JUDGMF,NT AND ASSESSMENT OF DAMAGES
TO THE PROTHONOTARY:
Kindly enterjudgment in favor of Plaintiff and against the Defendant(s) Calvin L. Bull for
Failure to answer Plaintiffs Complaint, endorsed with twenty (20) day notice to plead, served upon
Defendant(s) on August 9, 1999 and assess damages as follows:
Unpaid Balance $ 1,821.41
Plus Interest 302.40
Late Charges 00
Plus Attorney's Fees 424.76
Less Credits, if any 00
TOTAL DUE $ 2,548.57
Pursuant to PaR.C.P. 237. 1, I hereby certify that notice to file this Praecipe was mailed to the above
named Defendant(s) and the Attorney of Record (if applicable) on September 1,
and copy/copies of same is/are attached hereto
ARTHUR LASHIN, ESQUIRE 423425
Attorney For Plaintiff
HAYT, HAYT & LANDAU
400 Market Street
6th Floor
Philadelphia, Pennsylvania 19106
(215) 928-1400
COURT OF COMMON PLEAS
AFFIDAVIT OF NON-MILITARY SERVICE
MONTGOMERY WARD CREDIT CORPORATION
vs.
CALVIN L. BULL STATE OF
SS
COUNTY OF PHILAMLPHIA
Arthur Lashin , being duly sworn according to Law, deposes and says that he
represents the Plaintiff in the above entitled case; that he is autho;ized to make this
Affidavit on behalf of the Plaintiff; and that the above named Defendant(s) is (are)
18+ years of age; the address of Defendant(s) is 2 Wheatfield Drive,
Carlisle, Pennsylvania 17013-9004
Occupation of Defendant(s) is
unknown; and the Defendant(s) is (are) not in the Military Service of the United States,
nor any State or Territory thereof or its Allies as defined in the Soldiers' and the
Sailors' Civil Relief Act of 1940 and amendments thereto.
HAY T, HAYT AND LANDAU
ATTORNEY FOR PLAINTIFF
Prothonotary
Sworn to and subscribed before
me this 14th day of September
19 99 A.D.,
totary Public
My commission expires
Notarial Seal
Shari Deana Outen, Notary Public
Philadelphia, Philadelphia County
My Commission Expires June 27, 2002
HAYT, HAYT & LANDAU
BY:
(DENT 13W& ASIHN, ESQUIRE
SIXTH FLOOR 23425
400 MARKET STREET
PHILADELPHIA, PA 19106-2509
(215) 926.1400
ATTORNEY FOR PLAINTIFF
MONTGOMERY WARD CREDIT CORPORATION
880 Grier Drive
Las Vegas, Nevada 89119-3718
VS.
CALVIN L. BULL
2 Wheatfleld Drive
Carlisle, PA 17013-9004
DATE: SEPTEMBER 1, 1999
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL DIVISION
No.
NOTICE OF INTENTION TO TAKE DEFAULT
PURSUANT TO PA.R.C P 237.1
TERM,
99-4697 CIVIL
You are in default because you have failed to enter a written appearance personally or
by attorney and file in writing with the court your defenses or objections to the claims set forth
against you. Unless you act within ten 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:
Court Administrator
Cumberland County Courthouse
Carlise, PA 17013
(717) 240-6200
ARTHUR LASHIN, ESQUIRE, #23425
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COURT OF COMMON PLEAS
AFFIDAVIT OF NON-MILITARY SERVICE
ttq?-
MONTGOMERY WARD CREDIT CORPORATION
STATE OF PENNSYLVANIA
VS.
CALVIN L. BULL
SS
COUNTY OF PHILADELPHIA
ARTHUR LASHIN , being duly sworn according to Law, deposes and says that he
represents the Plaintiff in the above entitled case; that he is authorized to make this
Affidavit on behalf of the Plaintiff; and that the above named Defendant(s) is (are)
18+ years of age; the address of Defendant(s) is 2 Wheatfield Drive
Carisle, PA 17013 Occupation of Defendant(s) is
unknown; and the Defendant(s) is (are) not in the Military Service of the United States,
nor any State or Territory thereof or its Allies as defined in the Soldiers' and the
Sailors' Civil Relief Act of 1940 and amendments thereto.
HAYT, HAYT AND LANDAU
ATTORNEY FOR PLAINTIFF
ARTHUR LASHIN, ESQUIRE
Prothonotary
Sworn to and subscribed before
me this 22nd day of October
19 99 A.D_,
My commission expires:
N a ppee July 27, 2002
amur, P'?h?kMarM Asspculgn a NokrKG
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R. Thomas Kline, Sheriff, who being duly sworn according to
law, states this writ is returned SATISFIED.
Sheriff's Cost:
Docketing
Poundage
Law Library
Prothonotary
Service
Surcharge
Levy
$18.00
50.97
.50
1.00
3.72
8.00
20.00
$102.19 pd by deft.
Sworn and subscribed to before me
^.23-This to ?" day of?T{
1999, A.D. L ,p?f,? ,
946 00, 12 b
honotary '
,J
So Answers:
R. Thomas Kline, Sheriff
Ddputy,JSheriff
s
v
66, bid LS E 11 ACN
ddiil r;5 ]:: i 3? 3211140
WRIT OF EXECUTION and/or ATTACHMENT .
COMMONWEALTH OF PENNSYLVANIA) NO. 99-4697 CIVIL 19 _
COUNTY OF CUMBERLAND) CIVIL ACTION • LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due Montgomery Ward Credit Corp.
Calvin L. Bull, 2 Wheatfield Dr., Carlisle PA 17013.
DEFENDANT(S)
(1) You are directed to levy upon the property of the defendant(s) and to sell Levy on personal
property.
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is/are enjoined from paying any
debt to or for the account of the defendant(s) and from delivering any property of the defendant(s) or otherwise disposing
thereof;
(3) If propertyrof the defendant(s) not levied upon an subject to attachment is found inthepossession of anyone other
than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above
stated.
Amount Due $2.548.57 $.50
L. L.
Interest from 9/20/99 Due Prothy $1.00
Atty's Comm % Other Costs
Atty Paid $102.34
Plaintiff Paid
Date: November 16, 1999
REQUESTING PARTY:
Name Arthur Lashin, Esquire
CURTIS R. LONG
Prot ono ary, Civil Division
by: _
Deputy
Address: 6th Flr., 400 Market St.
Philadelphia PA 19106 9501
Attorney for: Plaintiff
Telephone: (215) 928 1400
Supreme Court ID No. 23425
DISTRIBUTION
ATTORNEY: Arthur Lashin
WRIT NO. 99-4697 Civil Term
Montgomery Ward Credit Corp.
VS
Calvin L. Bull
REAL DEBT $2548.57
INTEREST 29.40
ATTORNEY'S COMM.
WRIT COSTS, ATTY. 102.34
WRIT COSTS, PLIFF.
MISCELLANEOUS
$2680.31
SHERIFF'S COSTS:
DOCKETING $ 18.00
POUNDAGE 50.97
POSTING BILLS
ACUTIONEER
LAW LIBRARY .50
PROTHONOTARY 1.00
SERVICE 3,72
SATISFY WRIT
POSTPONE SALE
SURCHARGE 8.00
LEVY 20.00
GARNISHEE
$102.19
DEFENDANT PAID TO SHERIFF
ADVANCE COSTS
TOTAL COLLECTED:
DISTRIBUTION
Pd. To Pltff. $2680.31
Refund of Adv. Costs 150.00
Pd. To Prothonotary 1.50
$2782.50
150.00
$2932.50
So answers:
R. Thomas Kline, Sheriff
De ty Sheriff
'"GrN4C
HAn HAYT & LANDAU
BY: ARTHUR LASHIN, ESQUIRE
IDENTIFICATION NO. 23425
SIXTH FLOOR
400 MARKET STREET
PHILADELPHIA, PA 19105.2509
(215)928.1400
ATTORNEY FOR PLAINTIFF
MONTGOMERY WARD CREDIT CORPORATION
VS.
CALVIN L. BULL
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL DIVISION
TERM,
No. 99-4697 CIVIL
ORDER TO MARK JUDGMENT SATISFIED
TO THE PROTHONOTARY:
Kindly mark the Judgment Satisfied with regard to the above captioned
matter upon payment of your costs only.
HAYT, HAYT & LAND
By:
Attorney for Plaintiff
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