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VALERIE ROSENBLUTH PARK
ATTORNEY I.D. # 72094
PARK LAW ASSOCIATES, P.C
25 EAST STATE STREET
DOYLESTOWN, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
I HEREBY CERTIFY THAT THE
TRUE AND CORRECT ADDRESS IS:
PLAINTIFF: 5040 JOHNSON DRIVE
PLEASANTON, CA 94566
DEF: 183 FAITH CIRCLE
CARLISLE, PA 17013-8827
CUMBERLAND COUNTY COURT OF COMMON PLEAS
First Select Corporation
Plaintiff
VS
VICKI S. DIANA
Defendant I NO. 99-5312
PRAECIPE FOR JUDGMENT
TO THE PROTHONOTARY:
Please enter Judgment in favor of the Plaintiff and
against the said Defendant for failure to plead or
otherwise respond to the Complaint and assess the damages
as follows:
AMOUNT OF CLAIM
ATTORNEY FEES
PLUS ACCRUED INTEREST
LESS PRINCIPAL PAID
LESS OTHER PAYMENTS
TOTAL
$4,130.90
$826.00
$209.58
($0.00)
($0.00)
$5,166.48
PLUS ADDITIONAL COSTS
I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS
FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT
AND IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT.
.tt
I certify that written notice of the intention to
file this Praecipe was mailed or delivered to the party
against whom judgment is to be entered and to the attorney
of record, if any, after the default occurred and at least
ten (10) days prior to the date of the filing of this
Praecipe. A true and correct copy of the notice pursuant to
Pennsylvania Rule of Civil Procedure No. 237.1 is attached
hereto and marked Exhibit "A".
VALE ROSENBLUTH PARK,ESQUIRE
Attorney for the Plaintiff
AND NOW, ur&(/L lI Judgment is
entered in favor of the Plaintif a d against the Defendant
by Default for want of an Answer and damages assessed in
the sum set forth in the above certification..,
PROTHONOTARY
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 Z.D. #72094
PARK LAW ASSOCIATES, P.C.
25 E. State Street
Doylestown, PA 18901
(215 348-5200
ATTORNEY FOR PLAINTIFF
FIRST SELECT CORPORATION
Plaintiff
VS.
VICKI S. DIANA
: CUMBERLAND COUNTY
: COURT OF COMMON PLEAS
Defendant : NO. 99-5312
NOTICE OF PRAECIPE FOR
ENTRY OF DEFAULT JUDGMENT
TO: VICKI S. DIANA
183 Faith Circle
Carlisle, PA 17013-8827
DATE OF NOTICE: 10/1/99
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.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717)249-3166
PARK LAW ASS CIATES, P.C.
BY: ZL?
VAL IE ROSENBLUTH PARK, ESQUIRE
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
EXHIBIT
VALERIE ROSENBLUTH PARK
ATTORNEY I.D. # 72094
PARK LAW ASSOCIATES, P.C
25 EAST STATE STREET
DOYLESTOWN, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
I HEREBY CERTIFY THAT THE
TRUE AND CORRECT ADDRESS IS:
PLAINTIFF: 5040 JOHNSON DRIVE
PLEASANTON, CA 94566
DEF: 183 FAITH CIRCLE
CARLISLE, PA 17013-8827
CUMBERLAND COUNTY COURT OF COMMON PLEAS
First Select Corporation
Plaintiff
VS
VICKI S. DIANA
Defendant I NO. 99-5312
VERIFICATION OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF BUCKS
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
authorized to do so, and that she believes and therefore
avers, that VICKI S. DIANA, Defendant is over 21 years of
age; that his/her place of residence/business is
located at 183 FAITH CIRCLE CARLISLE, PA 17013-8827 and
that he/she is employed and that he/she is not in the
Military or Naval Service of the United States or its
Allies or otherwise within the provisions of the Soldiers
and Sailors Civil Relief Act of Congress of 1940 and its
amendments.
PARK LAW A, OCIATES, P
BY:
Valer' Rosenbluth Par
Atto ey for Plaintiff
E10
VALERIE ROSENBLUTH PARK
ATTORNEY I.D. # 72094
PARK LAW ASSOCIATES, P.C.
25 EAST STATE STREET
DOYLESTOWN, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
I HEREBY CERTIFY THAT THE
TRUE AND CORRECT ADDRESS IS:
PLAINTIFF: 5040 JOHNSON DRIVE
PLEASANTON, CA 94566
DEF: 183 FAITH CIRCLE
CARLISLE, PA 17013-8827
CUMBERLAND COUNTY COURT OF COMMON PLEAS
First Select Corporation
Plaintiff
VS
VICKI S. DIANA
Defendant ( NO. 99-5312
NOTICE
Pursuant to Rule 236 of the Supreme Court of Pennsylvania,
you are hereby notified that a Judgment has been entered
against you in the above proceeding as indicated below:
(X] Judgment by Default
[ ] Money Judgment
[ ] Judgment in Replevin
[ ] Judgment in Possession
[ ] Judgment on Award of Arbitration
[ ] Judgment on Verdict
[ ] Judgment on Court Findings
( ] Judgment on District Justice Transcripts
[ ] Judgment on Judgment Note
[ ] Judgment on Writ of Revival
[ ] Praecipe to Reassess Damages
IF YOU HAVE ANY QUESTIONS CONCERNING THIS
NOTICE, PLEASE CALL: Park Law Associates, P.C. at this
telephone number: (215) 348-5200.
P HONOTARY:
PURSUANT TO THE FAIR DEBT COLLECTION PRAC ES RCT,
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.
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VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
PARK LAW ASSOCIATES, P.C.
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
FIRST SELECT CORPORATION
Plaintiff
VS
VICKI S. DIANA
Defendant
N 0 T I C E
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
NO. ?q _ S3 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
VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
PARK LAW ASSOCIATES, P.C.
25 East State Street
Doylestown, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
FIRST SELECT CORPORATION
5040 Johnson Drive
Pleasanton, CA 94566
Plaintiff
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
VS
VICKI S. DIANA
183 FAITH CIRCLE
CARLISLE, PA 17013-8827
Defendant
. NO. gq- ,S31L G-i 7 "-
C I V I L A C T I O N
COUNT I
1. FIRST SELECT CORPORATION, a California corporation, domiciled
at 5040 Johnson Drive, Pleasanton, California 94566, and existing
under the laws of the United States of America, is the owner of a
credit account opened at the request of the Defendant.
2. The Defendant is VICKI S. DIANA, an individual who resides at
183 FAITH CIRCLE, CARLISLE, PA 17013-8827.
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 4168100002232955.
4. The terms of said account are stated in the documentation
attached hereto as Exhibit "A."
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
$4,130.90 as of 05-21-99, plus pre-judgment contractual interest at
the rate of 12.86% per annum, less payments made to date in the amount of
$.00.
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 $826.00.
COUNT II
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
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, First Select Corporation, and against the Defendant
in the amount of $4,130.90, plus pre-judgment interest at the
contractual rate of 12.86% per annum from 05-21-99 until the date of
the judgment herein, less payments made in the amount of $.00, plus
reasonable attorney's fees in the amount of $826.00, 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.
STATE OF CALIFORNIA
COUNTY OF ALAMEDA
SUSAN M. WRIGHT states that she/he is the Designated
Agent of First Select Corporation and is authorized to take this
affidavit on its behalf and that the facts set forth in the
foregoing complaint are true and correct to the best of her/his
information, knowledge and belief; that there is now due and owing
from VICKI S. DIANA the sum of $4,130.90 plus interest and attorney
fees; and that there are no deductions or offsets of any kind,
except as are therein specified and credited in the complaint.
She/He 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.
4168100002232955
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HST SELECT
ACCOUNT AGREEMENT
Your FLEET BANK account has been transferred to First Select Corporation. }'our FLEET B.Un.mcaum was clmal at the come of this trenster, and will
therefore conmmu to be dosed. T his Account Agreement contams the terms that govem tour First Select acccunl khe "Account-) . In this Agreement, 'you and
"your- mean each person who ts liable for payment on the Account.
"tl'e,- 'Our."
Account has been lru "ours.' and 'us' mean First Select Corporation or its us,pots. 9eeauac your
troma o to us you ate now obligated to repay the Account to us instead of FLEET B? \'?. If the Account was opened as n joint account. we
may act on the instructions of any oint accountholder.
j
Payments I Finance Charges. As long as you have a balance outstanding on :;,or :1:count, tinan.e charges a:: calculated as tollows.
To figure the finance charges for each billing cycle. we mulssPly' the average dad, balance on your Account by a daily periodic rue. The daily' periodic rate we
apply is your Account's : Wsual Percentage Rate divided by 363. The Annual Percentage Rate wall be calculated as dnclused in your most recent FLEET BANK
account terms (the "Original Terms"). If your Onginal Terms provided for different Annual Percentage Rates to be applied to ditferenl components ot'vour
outstanding balance, we will apply the lowest such .Armual Percentage Rate to your entire outstanding balance.
We may accept late or partial payments, or payments marked "paid in full" or marked with other restrictions. without losing our right to collect all amounts owing
under this Agreement.
Fees. We will charge your Account a fee for each billing cycle within which your Account is delinquent (late charge). The amount of the late charge will be a
disclosed in your Onli l Temu or the maximum late charge pertained by she law of your state ofresidenet. whichever is lower.
We will charge your Account a fee for each returned payment check (returned check charge). The amount of the returned check charge will be as disclosed in
your Original Terns, or the maximum returned check charge pertained by the law of your state of raidenee. whichever is lower.
To the extent provided in your Original Temu, and to the extent pertained by applicable law, in addition to your obligation to pay the outstanding balance on your
Account, plus interest and fees oa disclosed herein, we may also charge you For any collection costs we incur. including but not limited to reasonable anomeys"
fees and court costs. If your Original Terms; provided for an award of anome)s fees and court costs, such pr„vision as incorporated herein shall apply
re.:iprocally to the prevailing puny in any lawsuit arising out of this Agreement.
Son-Waiver of Cersain Rights. We may delay or waive enforcement of any provision of this Agreement without losing our right to enforce it or any other
provision later.
Applicable Law; SevembWty; AssignmenL No manor where you live, this Agreement and your A<cnunt us govemed by federal law and by the law of the state
designated as the applicable law in your Original Terms. If your Original terms did not contain an applicable law provision, then this Agreement and your
Account are govemed by federal law and the law of your state ofresidence. This Agreement is a final expression of the agreement between you and us and may
not be contradicted by evidence of any alleged oral agreement. If any provision of this Agreement is held to be invalid or unenforceable, yuu and we will consider
that provision modified to conform to applicable law, and the rest of the provisions in the Agreement will still be enforceable. We may transferor assign our right
to all or some of your payments. ff state law requires that you receive notice of such an event to protect the purchaser or assignee, we may give you such notice
by tiling a tinanesng statement with the state's Secretary of State.
Credit Repnming. If you fail to fulfill the terms of your credit obligation, a negative credit report reelecting on tour credit record may be submined to a credit
reporting agency. In order to dispute any information we are reporting about your Account, you must write to us at the following address: First Select
Corporation. P.O. Box 9104, Pleasanton, California. 94566.
YOUR BILLING RIGHTS • KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act
Notify Lrs In Case of Erron or Questions About Your BW
If you think your bill is wrong or if you need more information about an entry on your bill, write us, on a separate sheet, at the following address First Select
Corporation, P.O. Box 9104, Pleasanton, CA 94566. Wn c to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill
on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.
In your loner, give us the following:
• Your name and Account number.
• The dollar amount of the suspected error.
• Describe the error and explain, if you can, by you believe there is an ertor. If you need more infamxnen describe the item you are not sure about.
Your Rights and Our Responsibilities After Nye Receive Your Wrinen Nonce
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we most either correct the error or explain why we
believe the bill was correaL .After we receive your letter, we cannot trv to collect or report you a delinquent as to any amount you question, including finance
charges. We can apply any unpaid amount against your credit line. You do not have to pay any questioned amount while we are investigming, but you are still
obligated to pay the parts of the bill that are not in question.
If we fend that we made a mistake on your bill, you will not have to pay any finance charge related to any questioned amount. If we did not make a mistake, you
may have to pay Finance charges, and you will have to make up the missed payments on the questioned amount In either rase, we will stnd you a statement of
the amount you owe and the date that it is due. If you fail to pay the amount we think you owe, we may report you as delinquent However. if uur explanation
does not satisfy you and you wrue to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you question your bill.
And we must tell ,You the name of anyone we reported you to. We must tell anyone we report ••ou to that the mnacr has been sealed between its when it finally is,
if we do not follow. these rules, we cannot collect the fast S30 of the questioned amount even if your bill was eorect.
Special Rule for Credit Card Purchases
If you have a problem with the quality otgoods and smites that You purchased with •. our FLEET B i?,K aeda card ind you haw a tried m good faith to correct
the problem with the merchant, you may not have to pay the remaining amount dam on the goous jr sir% ices There are two limitations to that right. (4) you must
have made the purchase in Your home state or. If nut wnhm your home state, wnhm 100 miles ot•.our :uemt mailing address, and (b) die purchase price must
have been more Chun 530. These limaauons do not apply father wear FLEET B:UI; own ar opera.- :'fe merchant ar due or FLEET BaNNK maded you the
advertisement to, the property or son rocs
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SHERIFF'S RETURN - REGULAR
CASE NO: 1999-05312 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
FIRST SELECT CORPORATION
VS.
DIANA VICKI S
CHRISTOPHER EVANS Sheriff or Deputy Sheriff of
CUMBERLAND County, Pennsylvania, who being duly sworn according
to law, says, the within COMPLAINT was served
upon DIANA VICKI S the
defendant, at 14:13 HOURS, on the 9th day of September
1999 at 183 FAITH CIRCLE
CARLISLE, PA 17013 CUMBERLAND
County, Pennsylvania, by handing to VICKI S. DIANA
a true and attested copy of the COMPLAINT
together with NOTICE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs: So answer
Docketing 18.00
Service 3.10 ??? Z
Affidavit .00
Surcharge 8.00 omas ine, eri
$2.v.=uPARK LAW jASSO IATES
by ci
epu y eri
Sworn and subscribedto before me
this ?d day of 19(/ 191 A. D.
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