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THIS IS _ AN ARBITRATION CASE.
ASSESSMENT OF DAMAGES HEARING NOT REQUIRED.
JOSHUA B. LADOV, P.C. Aumne for: Plaintiff
BY: JOSI-IUA B. LADOV, E=SQUIRE
ATTORNEY I.D. 473274
SUITE 200- JENKINS COURT
610 OLD PORK ROAD
JENKINTOWN, PA 190=46
215-885-3339
EHeNo' 0>SS29 I COURT OF CO,'v(NION PLEAS
CONCORD FINANCIAL SERVICES, INC. CUMBERLAND COUNTY
P.O. BOX 9002
ivlELViLLE, NY 117479003
VS.
No.: % 1 G'7 ro t
RAY NESS & DEBRA SEIFERT
a/k/a DEBRA NESS
913 APPLE DRIVE
MECHANICSBURG, PA 17055
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice are
served, by entering a written appearance personally or by 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 thccasc may proceed without you and ajudgment may be entered against you by the court
without further notice for any money claimed in the complaint or for any other claim or relief
requested by the plaintiff. You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPERTO 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 17013-3357
717-249-3166 or
S00-990-9108
'I'IIIS COJI.'%IUNC'A FION AND ALT. FUTURF: COXIMUNICATIONS t'RO%I'IIIIS OFFICI? AItG FI--I:ORTS
TO COLIA:C'I' A DEIl'I' AND ANY INFORMA I'ION 013TAINED MAY BE USED FOR THAT FURPOSE.
"•.•'_? :?*_v'1Y...'Rt?^ :l'.?1.?,.`:!maF.:Y.w-.^rU:^?.YS. 1 :3?: `wrrn ac,._ ?J?L1R??a?^'?+?IRY
JOSI-IUA B. LADOV, P.C.
BY: JOSHUA B. LADOV, ESQUIRE
ATTORNEY I.D. #73374
SUITE 300 - JENKINS COURT Attorney for: Plaintiff'
610 OLD YORK ROAD
JENKINTOWN, PA 19046
215-885-3339
L•ilcsl? o5sso oI
I COURT OF COMMON PLEAS
CONCORD FINANCIAL SERVICES, INC. I CUMBERLAND COUNTY
Vs.
RAY NESS & DEBRA SEIFERT
tt/k/a DEBRA NESS
No.: !? . C.7 5- P ?u
COMP AM
Plaintiff, CONCORD FINANCIAL SERVICES, INC._ is a corporation organized and existing
under the laws of the State of Nc%v York and doing business at P.O. BOX 9002, MELVILLE, NY.
3. Defendants, RAY NESS & DEBRA SEIFERT tdk/a DEBRA NESS, are believed and therefore
averred to be individual domiciIiaries of the Commonwealth of Pennsylvania, and residing at 913 APPLE
DRIVE, MECHANICSBURG, PA 17055.
At the special instance and request of Defendants, Plaintiff sold and delivered to Defendants
goods as set forth in the Contract and Customer Receipt between Colorado Prime Corporation and Defendants,
and the ledger records of Plaintiff. True and con•ect copies of which are attached hereto, incorporated herein by
reference and designated Exhibit"1".
4. Said contract was assigned to Concord Financial Services, Inc., Plaintiff herein, on or about
February 6, 1997. A true and correct copy of said assignment is attached hereto, incorporated herein by
reference, and designated Exhibit "3".
5. Defendants received and accepted the goods described in Exhibit "I".
THIS COMMUNICATION AND ALL FUTURE COMMUNICATIONS FROM 1-I11S OFFICE ARIi
EITOIrrS ToCOLLECTA DEBTANDANY INFORMATION OBTAINED NIAY BE USED FOIL
TI [AT PURPOSE.
6. The prices set forth in Exhibit "I" are the fair, reasonable and market prices for said goods, and
the prices which Defendants agreed to pay.
7. All credits, Wally, to which Defendants are entitled, are set forth in Exhibit "1".
S. In addition, Plaintiff ewers that Defendants have failed and continue to fail to make any
payments, leaving a balance due and owing of S2,654.S3.
9. Plaintiff further alleges that from Nlarch 19, 1999 interest to (late is due and owing in the amount
of S199.00.
10. Plaintiff further alleges that pursuant to the terms of the agreement between the parties, that
attorneys' fees are due and owing in the amount of 5530.97.
11. Although demand has been made, Defendants have failed to make payment of the amount due as
above.
WHEREFORE, Plaintiffdemands judgntcntin favor of Plaintiffand against Defendants for the surn of
S3,384.50 plus costs, interest and reasonable attorney's fees, as follows:
Principal S2,654.S3
Interest 5199.00
at the rate of 12%
Front March 19, 1999
Court Costs to be added
Attorney's Fees S530.97
TOTAL S3,3S4.80
BY: JOSHUA B-LADOV, ESQUIRE
Attorney for Plaintiff
'rr11SCO.%t.%tUNtcATtON Aw,kt.t.ruivlu:coatatUNtcATtoNS r•RONI TniSOFFICE ARE
EFFORTSTO COLLECT A DEBTAND.,W INFORNt,crtON OB rntxr•.D MAY Bt: USED FOR
TnAT PUttrosr:.
JOSIIUA B. LADOV, P.C. Attorney for: Plaintiff
BY: JOSHUA B. LADOV, I SQUIRE
ATTORNEY I.D. (173274
SUITE 200 - JENKINS COURT
610 OLD YORK ROAD
JENKINTOWN, PA 19046
215-885-3339 _
rile ND-0M 0 FINANCIAL SERVICES, INC. I COURT OF COMMON PLEAS
CONCORD FINANCIAL CU\113ERL.A\D COUNTY
VS.
RAY NESS & DEBRA SEIFERT a/k/a DE13RA
NESS
.t
n o.:
- mrLc - LON
The undersigned vvho is Direr-LOLQ ClcdiUuHL_COUcctiotts. of Cottcord-EmaueiaLS_er iecs.inc. a corporation
organized anti existing under the Taws of the State of alcR oik havinS reviewed the averments of the attached
pleading verifies that the pleading is based on information furnished to counsel. The language of the pleading is
that of counsel and not of signer. Signer verifies the within pleading is true and correct to the best of the signer's
knowledge, information and belief. To the extent that the pleading contains alternative averments, the signer has
been unable, after reasonable investigation, to ascertain which of the inconsistent averments are true but the signer
has knowledge or information sufficient to form a belief that one of them is true. This verification is made subject
to the penalties of I S Pa.C.S. §4904
/U
Date:
relating to unsworn falsifications to authorities.
GREG MVB
-..-.:-.?___.-^-^-.-.T.,Sr:isa:.?^^L±M.?.C!:'.1.?"Sf:.?^..'T`]_"°'/t^.??k^?"3•:?'?3t?T.".?rT+m2m?t ?...-.?-..-"'-...r.?rW.a.?-?.
E?`g?I?I :_? ??
?::
COLORADO PRIME CORPORATION
CUSTOMER RECEIPT
Customer /I'y y D«Kyf CSS -._- Tol No (.7 f_]._) _790 _?y3S
--
/I rAttn ?7a
ME??1o --State to
Residence oLlLs??/n ?att? Cat zip
I understand that Ins above quoted TOTAL C05T tar my omens? maybe adlulled within a range ol5aa at the time of preparation for delivery. Any
adfustmenl to the TOTAL COST will be indicated on my delivery receipt and appropriately reflected On my billing statement
FINANCE CUSTOMERS ONLY- My minimum monlhlypeymenl is Ih- of the UNPAID BALANCE Of the above order(y(noo'n.-
mAlely l= ]•-4° I. whlrh includes any cilia' chPrges as agreed to and stated on my Colorado Prime Corp Retail Instalment (,redrt
Ag reemenL -
DU IABLE GOODS ORDERS
j IOCLEApPRQPRIATEDESCRIPTIONOFG0005 CASHpnICE I FINANCE CUSTOMERS ONLY
%JJPRIGHT FREEZER rrn•LTLQ MODEL • ?r-V __ _. (,' 4 .
(COOKWARE PL aEC-FF PRE
•----- -- ... ....._ ' ?: rl Nn darab:P )Dods adr!,:a
;MICROWAVE OV°1
FLATWARE twbKh rndud•s
O[ yn u•• iam,vn 6P, n'a? t. n"tIe a + i any other eh?rget as agreed to and stalete on my
I CUTLER.aI-MI t` L r.•. t•tnh:e tip`^^••^ I17./' }? -i Colorado prime Corp. Retail lnelallmenl Creda
LIMOGE gk,P,LgB PL%iTpCJa1aW TIpHIPGyFyYatM;'-BbtFAc _ 1• Alinement. Ill nave any UNPAID BJLA`!CFir•o^
wnF'>.-.•vt-•-•a' tin. r wevlouslyoleced DurabteGoodsoldem.l ngreeli,
?CHINA • FPOeIPpL • Ig'PL has O'JR:.•d 7 as have the above Minlmum monthly payment tern
r--aer.- - •t--t-^r•'m-i•t:.:r..?'7Tt::i"Tr
I?IiVSTAI[AIFL.?B IaC•d3: {rLatRm SktV lLl•]L?JIp_Wtl?.l. .1 I-1`-_- apply to those balances arr. R'.
--CSL'c^T..•Pryu, Ir- 1? uL r
?91 1•DtSss IJpt F?epra:ent Length of Contract.)
PIT r,
1- roTnt CCaT I I L y i I UNDERSTAND THAT THIS PURCHASE i5 NOT
nett obi TAX ON A TRIAL BANS. EVEN IF 1 DISCONTINUE
`, - PURCHASING FOCD-ANO GROCERIES. I SHALL
OFFICE CODE OTAL POKE 7U J.. REMAIN OULIG ATED TO PAY FOR THE
r•
CONTROL • _ _ ,'"1^r---vmr / /r J ; gPPLInNCE•fil AND/OR OTHER DUnq eLE
I Nawn nu A,u't I I •1' / /' • nnonn l IFMd1l PIIRCIIAnrO Tnn AY
Ir..,rwr..n..a lqr npr.•rmr.<:.Plu... n• nn....... ..rr n,-- nn.rnnrl Nnll, --I1n....1nI.... ....d•nY•O•T•dlN•nrvyllanryr.lmnnn.r•Ininnglr. n•r.e .•.:
x•,Pnrvm.`IuUI^`I brrnnxN:L¢nV,IPnn nrlnl., lAiYx.r lu lnJfnuxn ,nr. .N+... r. '•. ".rlnuxlv,•Ilnr.lnlruh.r. er.vu ...w.....lw
,ncrma, al\rrtlro-,,Alane..TTI-.l.r In.- Willer ,nrr l t ea r'Imnnl0.1,Ill A.llnrrTnnl
• f/nMn InAVn 'nf[tlll'."nn r n..r
COLORADO PRIME CORPORATION, On.•'IghrVl Avnnm•.'m^1-1111rV1 N f
?jtn l r/jfytL / y? 13 Datr ql gale ?? /',Sl Il.•
AutrtnrRrd RrnrMrntalNr .. ? -
n.
Aril ^.glnntnrn rr< vJ'11• x Gn-Anpl S,anaturr,; .//` I I 1
ttUYbH'SHIGHT rODANCEL: U fIIEHUYEH.MAYCANI:kL thlll Tll/(NHACI ION AT ANY TIMf* 1`HI0It TO
MIDNIGHT OF THE THIRD 06SINEJSS DAY AFTER THE DATE OF THIS TRANSACTION. SEF THE. ATTACHFn
NOTICr' OF CANCELLATION FORM rOR AN EXPLANATION OF THIS RIGHT.
NEW JERSEY RESIDENTS -Notice to Retail Buyer. You may rescind this sale provided that you notify the
retail seller of your intr..^.t to do so by providing written notice to the seller (in person. by telegram, or by mail)
nefore midnight of the third business day following the safe. Failure to exercise thin optlon• r'•7Wsver, will not
interfere with any other remedins against the retnil Belle r you cony Donnas. If you wish, you may Vale this page
as notification by writing "I hereby rescind" and adding your name and nddresn A duplicate of this receipt is
provided by the retail seller for your raearda.
1:ONNhr.TICUT RESIDENTS - THIS INSTRUMENT Is nA!IF.D UPON A 110M17 SOLICITATION SALE, WHICIf
I,AI_E IS SUBJECT TO THE PROVISIONS OF THE HOME SOLICITATION SALES ACT. THIS INSTOLIMENT IS
^107 NEGOTIABLE.
••-•--
NOTICE OF CA /Z LLATION
DATE OFTRAN"CTION ?f
OFFICE CODE 2 without eny I
You may oaneel this tra naacllon,
penalty or obligation, within 3 business days from
the above date. traded in. any payments I
If you Cancel, any property and any
made by You under the eonlrb o ou will be returned
negotiable Instrumentexec W.sd by y
wlthln 10 buslness days tollowlna and any t by the
interest ariiyour sing out of tthelltransa lotion will be cancelled
If you cancel, you must make available to the
seller at your residence, In substanttiaelWs go to
condition as when received, any goods you under this withtherlnstructio softhesellerrega rd-
wish' comply
Ing the return shipment of the goods at the setter s
expense and risk.
uptwithin 20 days
and I seller does not pick em available
of the datdispose. of your notice of cancellation, you may
retain oof the goods without any further
vu„yaiton_ If you ali to make the goodsgavailable to
the seller or it you agree to ou willbbe ?!able tot the
seller anti fall to do so, then reasonable value of the goo"o
T mail or deliver a s?
o cancel this transaction,
end dated copy of this cancellation notice or ...y
other wrlCOLORAD0 PRIME CORPORATION_ -.
TO _- jh-t3s•s?c.ir^Ael. N-Y_ 1175
AT: + m,•-"°`mb%issa':zsjrcn
NOT LATER THAN MIDNIGHT OF
I HEREBY CANCEL THIS TRANSI
------------------------------------
NOTICE OF CANCELLATION
DATE OF TRANSACTION
OFFICE CODE r=?'
You may cancel this Irenaactlon, without any
penalty or obligation, within 3 business days from
the above data. traded In, any Payments
If you cancel, any property
made by you under the contract y oou se es.. and anyy
wlllMurnOd
negotiable Instrument executed bYl receipt by the
within 10 business days follow n9
sailor of your cancellfit on notice. and an
Interest arrlsIng out of the transaction will be concelled.y
If you cancel, you must make available to the subst seller at ne r r enldrel.elvad any goodssdeliversd to
condition you under this contract or sale; or you may if you
wish, comply with the Instructions of the seller regard-
Ing the return. shipment of the goods at the seller's
exganaa and Fisl?
+i yca ?; 2 c Goods available to the seller
and int a=:1s csa not9lek them upp within 20 devs
of the data of your noi+ca cl :aneellotion' you may
retain or dispose of the goods without any further . If
11 theis Iler, aryl youlagree toreturn thes9o dseto the
seller and fail to do so, then you will be liable for the
reasonable value of the goods. _ , i^ e''
., ??cel this transaction. moil ?• or a
and dated copy of this cancelr...?•+ ?•????= or any
'^^d 3 :?:?a rte:''
otherwritten notice. or
70: COLORADO PRIME, CORPORATI
AT: 1 Mlchae_??venue-Farpmiingdole, ?N.Y.11735-_
.AU
NOT LATER THAN MIDNIGHT OF _ /-„l--
I HEREBY CANCEL THIS TRANSACTION.
T, 1?1
COLORADO PRIME CORPORATION
Retail Installment Credit Agreement
There is NO EINANScF.CHAB-rPE for Food and Groceries Purchases.
t and ywir moan you as tNJApplisan11s1(indK!dw!N aId Ianny o ham Iran oN)and anya,o 0IW you au1hP 'Allict' 10 the
1. DeRealons: In this Agreement, the A,hos •t oi
,.In to use this ACCnrmt. The Words'kh'sh ri and "our- mean Lebow Prima COQ An hr, nlm ra+l• lads IO l:r Pima Plus A 11 ,Yllfi Mp 1"A a Food subiKtSamoa
and Gmeaaes alai Durable GOOCO!'.r gq Imm I.,.'Food and Gmcervl+ la to All ll con.
:r:.^..; 1M <u kill m of Ims Agroemar,l. Y,wtomOnr relon to ov IdonThy Swlomom w ins, w^I ;n?d ;cu ':.ustcmar 4C t' (Cr Ip mien Ca^Vaa• in N Y) mien to inn daculnenl Used fa IN Durcnase 01 FpoG
? urado Goodi lofars to all
1 u,,aL,litems q p off ? for lle try Us am III n are sal font, on Me Irlwnlory PrKn Lst nrU"e ?+
Of .1p wte you a
= Types of Ce,er7sa: There en TAO tyrws of charges under "S Accounl: Food and GrOOedes Charges 4,d Li-nb:'s Iv ej, y,ar>:aa_ e.:atha $1. charges
ontvri N b,t ad ro yo„ On seperata Salemonu. wh9 seroaf ?? Youn ?lffood and Groceries 0arge or OunbloeGoodsrCmAgo) won dotom,:rnesame Of Your Ty rights
FIN^N.C.E CLIANSE has been wnpos ad. 'ype
Arm r?spa,saxoa urow ml. Apreamml. W eves MW autWied to use your AaauAt. y/nen INN n e baliarl<e doe all any SabrluAl.
7. P'yawap You vnN pay Im for fs purtheses mnN oY You 'I°Y he -PIow Defense,
Us in ome for HM ron tSUtemeani?a le"M emaumd low an IN'Newlaerdannco I. Cuiro less than me mini.
oAX,.C'New sawrce' an the Salaoent.wa „^a paY ?
In rue. m who, case Ihae Wan Da M EtWN-N c As.C on lpo
mum bienniums .a%ed for an your StaTafMnl, rr, whX'A rase me nod Stetertloa wnA IKfl,de a ?NBIiCEC ?? t« dwt ponbn of due unpam Mwae wnCh b
minted W your Durable Goods PuAVsases. la Faa1 and Glpconm Purchases. Ourablo Goods PUMMSM •YOU
.. FINAM:E_CHABGE. Food hid Gnxoruis PUroMWI • There is no EINABCFQHAR _
portion on pre Unppabalance, kn,,ch Is totaled b your Du Ob data
., W wt n Fs-?At n. if you ` d if you DeY IN ful arrant of mn (, has odd ?Balance'
co cI;pu that Sletama II m or me t7NE? ESi{90GE t Isla Damara Goods •AYaaae DA.W
oocs PM sia, a vnA N ?u? °' that part of Account it - fair an to your Durable ?I purchasers. by nwAlfplY+,9
Dalarrn' snoYXn an ea Saloment by a ma,c,N 006064 rate. rfn:cn .z d011mrnM M yaw auto of rosNaare,r' e,m
c7ATE sAGNr?HLY ANNUAL vuu,XmAnaM n,alman,s no EINAtLC.E-CHARGE?n an'; y..t+.ywr•uldudr'g "'^'C^tAl
Gi PcRIDD:C P,FRCENIAGE mere is no InWm Wwrce duo Ilan mXa prov,ous ma,m s b.lnng vaned on lnal Varga, of
RESI feat Aeeamt wtua, rowtrn m your o,eeae Geode purcna,es. mead Durable Goods
DENCE RATE BRIE
CT_ FL. ME. MA, NH. PA. RI, 1.5 le.C°n j Pre,no,n eawnee' pt, M MIIMI Stolomont.01 (e) IN sUnt oi your Paam.mt, nnn'r^l:il-
' VA. VIN. NC. SC AWV nom me Mevwus moneys eainq porno sas no less man Trb Durable Goads Pmveus
.
_ I Dawrce' en your Amount
:ALL OTHERS 165°e 1g.r
s ewu,ps Dotty n.korAN• TN FINANCF-CHARGH ma be hn,,.«I m mot pnmol, at your Arm„rv en-oh some, in mr, Dwan.e G,swla PurcM,ea by APPIY'
_. HARnE team
A ep Dwhortr,rimc11 ; e,r, Dura it in 'A lesAhrn' Q1 your AillCClwo.,tri, ilowl the ARn ,
r,- rm.-•...a,m mn plmaa ,.,..n+s da,ry
•avmage Darfya,wrco'. ,+a Oka Ir+e 0aP^r„M Durable G Goodods Onu r-?0 of yolx /CCOUn1 goon Eay. b`rr•Ch
M pmWaA aam pnrodl. add ar,.r never D,ande rloads Wny,nsna. and a,aRad nrry GUmbb Gcni+ nrrr-. ,._r ^•. a/?phrln i1XS pima In IN
fusu, + il.en N AM ,q ,tat tN DarAOSr, Goads dAAy Muncrn In. IM1YI busty (+yrln alit mien me "• '• rti "' '.'r 1` •••
nurnnf rlnorh'AvrNwge OAA/ R•sarce• r nl +: ,ate:.r I::, nI Irns Inb n.,m•n?rn nYMlmy pnnnl+
!nrrN MA r r.+.ll rII rive, eHn nl Inn Inll!•M^d
a YMMMIm1 Fas'1lNnf:'.r'rl eYY pwy lA Ii,o (aIAI ATMTt 1n,.1 awn M A I`a m AI II, wl n„y I,mr, rh"•.;
Iw.r,r.nN Il,el N MnX,e N' ale Ir.1nNn1 DW Deb J.Nn' Vn ymN ^.IdAmml nnrb mnnlh YrXll miNmurl 11,111-0
rA. a, e1 yrNw hod rind at ~JA A, Food . And Cla I oo it ham la, •rmcelM a Any d GuNemernnt. plus IrAt r,AnrmXntmue NY Pnyeien1111P ^Imu Vy AUraat Owd
urn,•rl nr me I0 p.ce at Food nn.,. FOOO hid cps'" mArge nrC ihsm. m f eefreeness dewily DAY'^ r CNlome, RaCeel or H^ma roue Snrwcn
A ,,.rn .11,.1 , m,• wm Maio IIII) Foo wk d AM O vnr m' frN`Ah n.,rN 1 elitists a 1/MrpA nrnnra; It m mpmU s 0 Ij arm JAR ih ARlnt IINtenrAtrme.l m ,a nn yore D Re r.an Ynalr. nU
1 1 N M 1 itu 1, nmN .Y,ArgfA .... Alml lpt M t h, Farl It. r. Cmlmr
.nv tae
L, N n I LIIYA u, A'. MIIN,G 1'mYtl In MNfh rlNl In91. poll Innl IgeI1NIH: If INIrrlimlll,lll Ilhallhl y I'nIr11N1i IXlrll.. INM IX1I IMI ,n N rIINllpmr Ito. old ^r 14+n.
1MX RA
++1',wM•f 1'mxm 1 ,1 M his 1 r YIIn (DI Any NnnX?IA whR,h n•nY 1. ..At Ilnll yn
nn is narcbvrnml..
1 Towns- Ali ntma,U ld• AgNAn,nN Urn too mYkwl ns m. law n II "A eirshl IMYCm at a., ,.in ur,owu uA W. uI,, ll,,lam It,. I y r
N- uMmine FINANCE CHARGE. Irp^, umn In urre. suelaoi UWe•
A.c Dy AGpnG,an iAW. wnch a vrr to quisnAaen pAyment of credit
A. N No O S. ssMM adMft' W" y'A mI MM mV M^I Ip^^^raM C.1•,.`d'aKUrlry InreMt') In any goods at propMY You
.T•r,•n fail urea m. Agrean.enl
n 0nr Rlgnts: we have rM m" v an any or An of mA Iollamnq. tuleI ct to appllplble state low. (AI Upon n failure by you to make am/ required payment w Men
.. .',,,I.,A In rnm[/yM!Il ar^/I(Vn.rf!rmnl n In,, Agronfreer. oAd any ]IAIamond,nyou, avlillGlvo KPVnt1]1 amI misla OI'L,OrIOet youdmnor Vdb lbnan00r
?•:r„I+.wrnrvrrl, ... may dr em,, A pan nr All nl rmwn . ni. Cue arm Payae. 101 Yo
•nnn..,ynn •rv........ train hut,o InM om.ofnu,l rn P, Cyrl en ,t1N unInm o4wh f inet rsl?a..l."I... to??Inl m Immu,mnam Air r,.. I•n f .rv„ , 1 tom M) .... wwl Ina, nnUwn won eu.s u,l 1 t °' E p ARLES Ica daln of pnyme, I
.. ?.? n r •1 n n ..,, ,„ term, . 1w1 'n," . nI n,•. •mmrnN w+l .airily um-4 . e'hA ., ion pwymnm oI of mn mm?n e:aancn wm arM'utan FINAN:. 1611 nn
•, Il.mr..«I DnAr•n .•mnnlr.,nrl^?nn,eann ln.. Annr.nr.is ynu Pre AXm on... Ia rmumrul III IPA,, pnrngrrn lnnnw rnn...^nurnnr pin N. N, Henn tSM
' • y. yn, y raiment to, your Fowl An.I GI.v m,n, puen.ne, min'. 1141"
...v.nq,nn nn,nl m nu•, ., a.X•, , m,,,• 1...mr .A pwr AC,m.el III,, m,remum mrnlM
, L. CnugAf r.+n ,nl r'n, r. Pumn+oa Ohl it r nn m, Pay r y y 1 n thin na,
...... ..,, n.1r^nm man n,,,n rm v-•v GmmmAnt.IMnv+¢nn.rim R^..,••n • • le tlA nnvmA moot 1 Onle1 yn,l mn N mer•. "n,, Ire 1115-. n Inn
. ...., „y. e,y l.n.,,.... . .. ..nnq,r.,nn,I+,rer.r nl purr Ae ?In.., wr-re=nlnba In .•rnM•:n1.Ilr.Ynnn. nun^rn,AA nr <!10rl. wn,lnvn,-N 11 ^Im A,Ih
n...... ,ll •° •nrP^••'•• r •• .unJm Viu luurr.uA +•dNnn lrnb••l e•i 1i•v,nnnl Pro P,rlV.,.....r. .x•
•nlll ,I.•r+Iww11A w" r ••wN •r url L/Ilr , 4r I^I IIIN rNrln rrf•vrl. ""1 "'I•r• r
•, I. Wrr r„m l u
w, rmrFl ra 1 ylnnn
...... r n n r Wb n- Inw•• u1.uJ tar In 1 r 1r11fnlr N Dun 11.11M An10 T d rIM11Y V'
1 1W 'P M.I rI A. ^1x" lxmild"
I L,rrqrr,rnr',N[IIIIN,nrn^nn,nrdrlmr UynIn IM lLVl wnn.vl lhn ophl ln Vuu w.p,rvHrxlpVrlwe Witty rrMnnrarml.l rrl^"I°'p ••••1
nl li xppmvml, nt nny Pmn Ihnrnnnm Ym'M1r?mIMn°4I'MI rr Vvlnn m .rI
n nlNarll nrxl Mirnr(N,••.AI°°nllnnd M1r nKnrW 11N'nurlounA Un
V. C'.dnlnVSe•tQWI1,?nn?^? acmIKb.uWa: n AACerml and.ll yrN'AttW Inn'mpor4np no^r`cY
Imrtmr ,. d. r... .
.1 ...... m. a,,l of inn CV`s,' ... n.b
ny A rmslx^nr mPanr`U I WWAny. it "l lid, M. pw A?'l'M IR yow I 1 It nxeblwl by rP. ...npnr nrnipa/ wit-,'J
11 ». IA MvA W hlmwa ynU 'lli .11 n4mo n M A en' r 1, w+ x l Imulrvl In pnlnA .uv "h it, n wnnmrr I mi•t w 1dnlnM nrH, n Ion In of P'.• xpmNmnm I •r w^"n h rnn•""", 1 I..
'la. AS-19AM-f of AC cc'ount' mI- r.I ^nph hb AluNlnl ••r nn Lrarnsl pr,utlq m^Y soM •^" ...substantial
n sit, m- Awns, .,nNn NPDA" M Wall solar That finance cnNnet wool b nc A
L.wn nqA"m u" n nn nr Mt°unit hss br,n Inloryoned by I site And Ihel e.M Sl equally Ig I
uulnn'o, r.sNM nslrthe',1111 sets,' end MITI
^L . Tn1 Mm Y r.llmr and . II,, the limit "' only AD Y•
r•:': nro '_I__ .,•u.
¦nd 1hat punwnl to Lw the Itiatl buy"' m W I°lerl 171 de HnNn of Iervkos Ind must M.Isi? 1,n
[:nrrrr0rd f lrynaul Denleoo. :no., .New vnrk Cn t"'
oodt ar nn'f"'i .n^m+T ea^eN his '4100M.
Inlen.t In oa pUtlnHe of IM Walt sells,
Iffis, Concord Flmrrelel Slnllell, Inc.. Sales Finance ADI^and ook. mu at Indicate that you do n;; went in, (Y,Jn
rgrlde ne lama •Th% a e nom* 110110- lbor bY le 111 This not" It you of nut Nblt one g .. Iha r:r°°mml.'.n. seMr may not FMp D
n: ..
t en1. 11 110.1
an notbs 10 the MIMr in DefeOO. by talegnmr bn At n c srlitl DruDenY owasment (lncludlnq . Statutory
p po.lms,Led MIM mbnlOM by IM Mlyd bull" M dry nNr you Sign IMI pree•m tar to IM 1Me Credit •e
IAa,filED YAICONSIN APPLICANTSI No Wvle Aunllmrsl atllemenluntlM Ilion Tnli
of enY elfin drawn DIYme"L) ra/ ID C CIMI•
he Creditor U Under this WH . Oltle dlbn when The ':
.00nsMt ree1NN DTI" TO or un0.r ihle IOnomenl unless the CredllorI P
A NA rµnerlt or Clss.IDe.110n ngmmsnt undif 111110-
edvs,wry elNCis IM Inlenel o IM credit r nNrq.. •N
(yylTatmtn.ble M.flat Prop M tan 760.70 W
of tM Igr AI. elll.menl d dKM III$ "fuel know""' of the .d4fM 1?j1u+l by yr""'".I
CO .i .1 CvlirrrN•
I:OUn deorM It" Nmletlsd Section
O a otht• it .copy eeme
TAT. S'Qn by you Ind Nhen YOU Dr P D Irrr1A tun D•`Y°•^nl
for Is Ylcurnp l ri This AOrnAmonl It AAm:!•M nl
M Dee 01 AgfNm1 roll rip us in NNIIIrp HnwrMr Inn Inrmi of mri AArnmm0 writ 4nMY
tyy;,M F? Snrnco' ConuAel t .Iny Lmo by M
you AnAY cro"0 Your Acccum .1. Are VACT)"Ant.
IS. Closing Your ACCWrw: ,cANe EtNANCECNARGES to d.ts cl D"M1°
s
of mrr mom 0.iunco. vnm Apd ypur Bill (Your Smemenq; AS PCVDnO $ IdO.
About r mss A otm..1 rdprcut bang Any It IhwYM
Ih In ca" of Ertore Q OIMfItans Wt'Innl . unOA a v.lb DI 4nY nnwr DrANnnmrnl Ortw!r^
: WO CAD d.14ilorIf ,, Aw,"Isnl SARA nlN Ad0A1 Th., Ag,AM`nnl 1041111.11", lna m Mv?(Nn nnyllell•Ti.
w. , d41 or wnlbn..111 A I DrC
11. Osieyed EnlTMcWtOnn NrvnllA?ry of Any Dm• wA!M 0 epnMn1. Y11dnmiA rd 11.AM ip rno 1M1 mnna
1l. SeImile try: t you, "'.tnnt trial you MAP W 11" gr met rnnmonl Su "'MAs 411 CIA" nOrM
Agr"~ • c4rrct mx4or MIMI. You n'•.•• Igr°fl M mAbar Mf l. Encirm oo To a "mi pIs, m. pnnrM Ir.l r. 1 ^•
a 1Or ui
Yn m•1'relro me !ub?M! tulhVliy to mNineMmos. nddIWI
Vuu AM NNnlnrolDwet 10 IM l iuMAnnon you And uem
and All onrer eertvnulNC1
rtWCTSho^' a i b me DnnlM to1101 mss Apmnmonl vita o0 01 rb lcrto And nnrKl u CLAIMS SERvtCES
IXM N'dudng nyr pgsnry, nmol Iid or of(f, ?isnlAXMSI UBJECT TO ALL ANO
R By T
arrrrmrv`I Any loch "nor^Dlyd enAny CONTRACT IS S
..'iY OF TlIE GOODS OR
unt nER OF THIS CONSUMER, AecFp CREDIT vnc RECOVERY HEREUNDER BY THE rIi . 7 AGAINST THE SELLER
Ix/1s/Gy $`I: v
r j
f ?1?A ?Anc cc
IRE;
HEREIN IS
MAR
BEING INCURRED IN THE INTEREST - r \ • . • . F_ n ??/J1? 'IL
IT IF tT CONTAINS
' Iy10DIFICATIONS.
Y OF THIS CREDIT
PAY THE ENTIRE
S ACKNQWLEDGE
(Subject to Credit Approval) ??-9..n _.N_'CT!a
COLORADO PRIME CORPORATION, S _
one Michael Avenue, Farrningdater Nnw Vork 11735
YOU HAVE RECEIVED A COPY OF THIS RETAIL INSTALLDGF THAT MENT THE OBLIGATION AGREEMENT.
1 "0 VlISCONSIN RESIDENTS: Yo YOUR MARRIAGE OR FAAILY DESCRIOED
CONCORD FOOD LEDGER
TELE 717 790-9456
NAME NESS' OE3RA C
ADD 913 APPLE DR
MECHANICS3URG
PA 17055
09/22/99
PRO:7419
RAY
tADNS F I''IC O6
CORP(CCI
ID:701993 CORP(T?1
R/Oa 1 EMP?1
FIRM AT0004
R/O COMMENT: 4/2
OVERRIOE 4/M3'S
FIXED JUt
r97 PPOPOSAL
T T,:
DATE CODE A•10U 1
012497 111 1332.40
101398 D 1334.40
012799 4 300.00
012799 B 300.00-
031999 4 200.00
031999 B 200.00-
S/W MR. AT aD
ING ACCT
MR POB 717 766-2569
566-3713 DEBRA
UP UNPUBLISHED PH;d :LS
PER MRS SHE WILL RESU"`-
7 ^ 2971 :33
'•W/HU 02 -
WH LEFT NESS.WOR:(
:KV 05/07/97
PW PROMISE/WIFE
LH LEFT MESSAGE-HDM:KV 05/20/97
- WH LEFT MESS.WORK/H:GT 07/07/97
HP DISC, CALLED DA NEW HP UNPUB
MW LEFT MESS.HOHE W/W1 07/14/97
OLD HOME
NEW HOME y 790-9621
3 H= WILL HAVE MRS
TOTAL 1338.40
NR 0.00
ACCUM.LC 0.00
FC 0.00
90U 1LE 0.00
MO BASE
75 AmT DUE
:? y H. P03:
W.PO3:
REJECTED ON
FC: )
AVG DAILY
BALANCE
0.00
7 177652 559
7175663714
F.G.
AMOUNT
COMMENTS
4/1/97 RECD PROPOSAL FR CREDIHLYRTOTAL-D-37 ARE
(APPL ACCT ONLY) FOR 90.00
16r229.29:RC OPEN
E
4/2/97 PROPOSAL REJECTEDTP.RI)APPL TACCT MTHLY BASE
ACCT FOR THE A30V`_ CLIP
307`00 PAST
59,00 ^f 0'W P4S?)FDUE OODIACLTOMTHLYL8AONLY
BASE PLS ADV
DUE 921.00 1 WILL OiNLY ACCEPT MTHLY SASE PLS AD:R
4/24/97 RECD LETTER FR CREDI CARE 709-345-2770 RE
CLIENT NO LONGER IN PROGRAM NO REASON GIVEN COPY
ON MF:RC
MW LEFT MESS.HOME/W :LT 04/14/97
WH LEFT MESS.WOR•K/H:t1M 05/01/97
S/W WILL SEND PYMT EOW E WILL SEND ANOTHER NXT WK
:KV /02/97.
05/15/97 307.00
:LS
4 790-9435
C/3 TODAY
DUE DATE 09;
CURED DT
LST POST 03
LST STMT 08
APR LS
0.000
0.000
STATUS A 09
ALERT 7
DELIND:
OVEN. 30:0 6C
BALANCE DESCRI
1838.40 FOOD C
0.00
300.00-
0.00
200.00^
0.00
DATE
04/01/97
04/01/97
04/01/97
04/02/97
04/02/97
04/02/97
04/02/97
04/02/97
04/24/97
04/24/97
04/24/97
_ 05/01/97
_ 05/02/97
05/07/97
05/07/97
_ 05/07/97
_ 05/20/97
_ 07/07/97
_ 07/14/97
07/16/97
_ 07/16/97
03/01/97
REGARD 08/01/97
:LH 08/01/97
RAY MRS 203 71LH 03/01/97
07/16/97 - 09/01/97
PYMNT 01 THE ACCT OF 307.0 03/21/97
0 OUT ON He
WH LEFT MESS.'W07KM2S(P00?/ 7
00009 717 566 3713 ==
CALLED IMRnaNOYMRSYPC9.....30THYON}VAC THS WEEK..
CALLED HP LM ON 4>iS "AACH•:A1
P'W PROMISE/'•I1FE .33 08/21/97 09/05/97 305.0
PER MR A7 HM,rSD WE ^10 TO Sp=AK TO MRS,rCLL HER
THE DAY TI MErrEXP+r+WE DO CLL IN DAY TIIR:CC A/'
IS ONrrrSO WILL HAVE HER CLL US ECK TOMOR
AM ANSWERI?4C. 4ACH14:A1 09/09/97
08/21/97
08/21/97
08/21/97
09/09/97
09/09/97
0 _ 09/09/97
14 10/23/97
N 10/23/97
10/23/97
10/23/97
CONCORD F07O LEDGER- 09 /'L 2/99
717 790-9456 (CONTINUED)
F.C. AVG DAILY F.C.
DATE CODE AMOUNT DATE BALANCE AMOUNT
BALANCE DESCRI
COMMENTS
DATE
LH LEFT 'd?S SAGE-HOM:CC 10/23/97 10/28/97
MRS. N=SS NOT SURE WHEN FULL hIO.BASE PAY. WILL BE _
11/04/97
SEiITr ADV. H=R THAT THE CALLS WILL CONT :LS 11/04/97
'A4 LEFT MESS-WORK4/HU 10/28/97 11/04/97
_
LH LEFT 11ESSAGE-HOM:CS 11/15/97 11/18/97
_
AM AN SW_.2ING MAC4INE 11/18/97 11/19/97
Am ANSt•IElI%IG M A C H I N : D R 11/19/97 11/21/97
GV T7 33 FOR ALERT 7 :3S 11/21/97
PW PROMI3=/W1FE _ :3S 11/21/97 11/22/97 157.00 11/21/97
_
SW'W TOLD HER NOT ACCEPTING, LESS THAN M3 WAITING 11/24/97
SINCE JAI FOR FIRST PAYMENT TOLD HER IF DOENS 11/24/97
WANT TO SE SUED SUGGESTSHE GETS IT IN OFFICE 11/24/97
BY FRIDAY :MM 11/24/97
M4 LEFT MESS.HO:ME/W:3S 11/21/97
11/24/97
LH LEFT MESSAGE-HOM:MM 11/24/97 _ 11/25/97
P'A PRO'4ISE/WIFE
:D3 11/25/97 12/05/97 307.00 12/12/97
_
AM ANSWERING MACHIN:03 12/12/97 12/22/97
PW PROMISE/WIFE _ :83 12/22/97 01/05/98 500.00
01/06/98
_
T WPOB SW HER SHE CLMS SHE WL SND AT LEAST 01/21/98
$100 3I WKLY TO FOOD..WL TRY TO SND $150 01/21/93
SO SHE MEETS 5300 MNTH....SH_ IS MLG IN 01/21/98
_
PD CKS..._VY TWO WEEKS STARTGING 1/23..:AZ 01/21/98
NA
NO ANSWER :83 01/06/98
01/21/98
PW PROMISE/WIFE :AZ 01/21/98 01/26/98 100.00 01/30/98
_
-- - -
LH LEFT MESSAGE=HOM:4Z 01/30/98 - -- - - - -
?/ '" 9 -"'
02 / "-048
TPOBr 54 MRS SD THT SHE WILL HAVE TO GO OVER ALAL 02/09/98
HER RCOS AND CALL BCK WHN SHE GETS HOME.:A1 02/09/98
AM ANSWERING MACHIN:AZ 02/04/99 - -
02/09%98
_
HP08 IS NO GOOD NLE 03/04/98
WP03 IS GOOD :MM
-- 03/04/98
WPOB 717 555 3718
aMM 03/04/98
MW LEFT M=SS.HOME/'d:Al 02/09/98 03/04/98
_
SEE APPL ACCT :JN
" 03/19/98
W'd LEFT MESS.HORK N%'d I
03/04/99 -
03%19/98
_
SWW REFUSED TO GIVE HOMENUMBER SO PUTTING WIFES 04/07/99
POd IN SYSTEM SHE APIS PHONE CLMS PAYING BAL 04/07/98
0N FOOD AND UTD APPLI W/ INC TAX cMM'- 04/07/93
AM ANSWERING MACHIN:JN 03/19/98 04/07/98
_
PW PROMISE/VIFE :MM 04/07/98 04/20/98 1338.40 04/21/93
_
PW PROM ISE1W1FE :LH 04/21/98 04/29/48 1838.40 05/11/93
_
S'WW AT HER P03 SHE ANS AGN ASKED FOR HOME NUMBER. 06/08/93
SHE REFUSED...TOLD HER HAS TIL 4
PM TO CALL ME
' 06/08
/98
_
3AC.K +4RS
CLMS CHECKS _
NER MLD ASKED HER WHY SHE _
06/08/98
DIONT QUESTION HER RECENT BILLS THAT WLD HAVE 06/08/93
REFLECTED HER PAY OFFS ..SINCE WE DIDNT
RE
CV
_ -
-- -- 06/08/98
_
_
-
MRS COS HAS TO CK INTO
SHE W C d .•M?y
-"06%08/96
WW LEFT MESS.'WORK/W:MM 06/08/98 06/15/98
_
SEE APPL ACCT:A1
-- 06/16/98
NA NO AN5'4ER
:A1 06/15/98 - ------ -- - "--- - "-----'
06/16/98
_
AT HM#rrWHICH IS POBrrNASTY ATTY SO NOT HMrrREACH 06/23/98
HER AT H=R HNBrrPUT_ IN UPrrWAS ONLY PUT IN ON APPL
" 06/23/93
_ -
ACCTrrFO ACCT CAME UP ON
DAILEQ:CC---------
06/23/96
CJNCORD FOOD LEDGER 09122199
717 797••9456 (CONTINUE01
F.C. AVG DAILY F.C.
DATE CODs AM7UNT DATE BALANCE A140UINT BALANCE DESCRI
K
DATE
C0M'AEMTS
1144 1110 4IS'IEP. :Al 06/16/93 - 06/23/93
HOME IS WPJ3 IT IS G0OD\lU!13ER MRS REFUSES TO 06/24/98
GIVE H9`IENUA1 ER :M4 06/24/93
UP UNPU31.I3H?0 PH4 :CC. 06/23/93 - 06/24198
SE. APPL ACCT:AI 07/02/93
1
w
WW LEFT '4E SS .'d ORx/:1:?!tl 06/24/33 _ 07/02/93 7
?r•,
._:.:.. ..............:............5?? APPL[ A..f.Tt::::;::,:::a,`•;:,:p:r:pr,.»,: 3A
.
ry 07/29/93 1
"-Ic 55.1 ]'1 E /'0:41 07/02/93 _
LEFT
W
4 07/29/98
. 03/12/98
SEE AP?L ACCT :J`I 08112199
419 LEFT '"ESS.'dO'1K/'d:DM 07/29/93 -
N4 10 ANSWER :J1 08/12/93 _
03/14/93
SEE A?PL ACCT :J:J 03/14/98
LH LEFT MES3AGE-HO'1:JN 09/14/39 _ 03/27/98
FILE WRITTEN UP S HANDED IN :J`1 09/03/93
41:1 LEFT MESS.H0'4E H/lJI 03/27/93 - 09/03/93 .
09/21/99
9/21/93 CCA FD/APPL:143 09/21/99
P/23/93 CLAIM ACK:N3 09/25/98
1/27 RECTO 300/CA7:J3 01/27/99
3/13/99 ?_°CVO 200.00 CA7:N3 03/13/99
Q/1/99 FILE RET FR CC4 AS REFUSES TO PAY SUIT ONLY 09/10/99 1:
09/10/99 1;.
RECOURSE :W3
?
T
µ 09/22/99 1
FJ/APPL:M3
LADOV
9/22/99rJOSH 09/22/99 1
CODE DESCRIPTION
DIALER INF^: GL GOING LEGAL
COMMENTS (VF'd ORDE? TRACKING)
WHAT ARE THEY BUYING?
PER LO THIS IS A FRZ SALE ONLY
P.P.DATE P.P.AMT L'
0
INITIAL.
DATE USEj1
123096 CRE
123196 CRE'
11 ;- -- 4NC= LFOG°R 09/22/99
i
TELE
NAME
ADDIT
LONLORD APPLI - - -
717 790-9456 PRO: 7419 TOTAL
NESSr la-3RA L RAY DP AMT
ADD. 913 A°PLE OR
MECHANICS3URG
PA 17055 MONS 30
10:215150 CORP 75
R/0 COMMENT:4/2/97 PROPOSAL
R/09 1 E'4PRI
OVERRIOE 9/40'3 (DELIM Y• '
DATE LODE
010997 100
020697 4
041097 4
_072.197- _ 4
081997 4
F.C.
A'40U`lT DATE
1"49.00
NR
FC
a0UNCE
HO BASE
A4T DUE
REJECTED ON FD
FC: 1
OUE DATE 10
CURED DT
1747.94
0.00
0.00
454.19
0.00
59.00
0.00
ACCT :RC
LST POST 01
LST STMT 09
APR LS
18.000
0.000
STATUS A 09
ALERT 7 FI
OELINO:
CROT BUREAU:
H.POB: 71
W.POB: 711
AVG DAILY F.C.
34LANCE AMOUNT BALANCE DES CRI
FREEZE-
114,00 021397
031397
113.00 041397
051397
0613x7
071397
177.00 031397
59.00 091397
101397
111397
121397
011393
021398
031398
041398
051398-
061393
071398
081393
081399
101398 0 1730.13
012799 4 413.70
012799 3 413.70-
1747.94
1721.29 25.81- 1655.75
1655.75 Z4. 83- 1630.53
1669.16 25.03- 1587.61
1587.61 23.81- 1611.42
1537.61 23.81= 1635.23
1587.61 23.81- 1659.04
1527.71 .22.91-__ 1504.95
_
1457.36 .-
21.86- 1467.81
1457.36 21.36- 1489.67
1457.36 21.86=1 1511.53 .
1457.36 21.86- 1533.39
1457.36 21.86- 1555.25
1457.36 21.8_6-_ 1577.,11
1457.36 21.86- 1598.97
1457.36 21.86- 1620.83
1457.36 21.86-: _-1_642.69_...
1457.36 21.86- 1664.55
1457.36 21.86= 1686.41
1457.36 21.86= 1708.27
1451.36 21.86- 0- 1 3
173
.00
0
413.70=_.
- - -- 0.00
DATE:
C034
-- - ------
WH MENT3
-- ._ - - - --
LEFT MESS.WORiC/H:G7
07/07/9 - - - -07/14/97
- 07/16/97
HP DISC, CALLED DA NEW HP UNPUB :LS 07/16/97
MW LEFT :4ESS.HO4E W/'dI 07/14/97
_ -- -08/--
08/97
- --SEF FD COMMENTS
EO PH4 :LS
07/16/97 _ 08/08/97
UP
LH UNPUSLISH
LEFT MESSAGE-HOA:LH
03/03/97 09/09/97
- 11/04/97
-
-1 A M
ANSWERING MACHIN:41
09/09/97
11/04/97
11/14/97
11/15/97
59.00 -
PW
' LH PROMISE/WIFE :LS
LEFT MESSAGE-HOM:LS
11
11/15/97 - 11/18/97
11/19/47
- p}4 ANSWERING MACHINE 11/18/97 11/21/97
AM ANSWERING MACHIN:DR
3 11/19/97
11/21/97
22/97
11/ _
11/24/97
59.00 --
PW .
PROMISE/WIFE :3 _ 12%04/97
lH LEFT MESSAG'-HOM:3S 11/24/97 -
12/2Z/97
AM ANSWERING MACHIN:AZ
8 12/12/97
12/22/97
01/05/98
_
01/06/98
295.00
PW RONISE/WIFE :8
P 01%21/98
--- SE _
E FOOD COMMENTS.:AL
01/21/98
NA NO ANSWER :33
:AZ OL/06/93
01/21/98
01129/93 -
59._ 01/30/98
-00.
PW
---CH E
PROM I SE /W I F _
LEFT MESSAGE-H0M:AZ
01/30/98 _
02/04198
02/09/98
AM ANSWERING 4ACHIN:4Z 02/04/99 _
03/04/98
MW LEFT MESS-HO-AE/W:41 02/09/93 -- 03/19/98
HP LM 4/4,-4R 3P NLE,LM MRS 3P : JN
CONCORD APPLIANCE LEDGER 09/22/99
717 7,10-9456 (COITINUED)
F.C. AVG DAILY F.C.
DATE CODE AH OUNT DATE BALANCE AMOUNT BALANCE DESCRII
COMMENTS DATE
WW LEFT MESSrJORK W/WI 03/04/93 - 03/19/93
READ FOOD CC:dFiE'dTS :MIM 04/07/98
AM ANSWERING '•tACHI^t:J`I 03/19/9d - 04/07/98
PW PRO'AISE/''JIFE :AIM 04/07/93 04120/98 472.00 - 04/21/98
PW PROMISE1W1 FE :L4 04/21/98 04129/93 472.00 _ 05/11/98
HP = MRS 003........SW BOSS..MRS NOT IN E2TA TMR'4 M 06/15/98
RN,...... (MRS WRKS IN ATTY OFFC)...... :4ILL CALL TM 06/15/98
R'W NRNG.....CALL_D UA AMD N/L....... -••?^?:;°??:x :x;: 06/15/98
r -UPON CNTCT GET H? << - --?-.-- 06/15/98
:x'.:*=-*4--- :Y"'-,****:A 1 06/15/99
WW LEFT MFSS.'aJRK/WIFE 06/08/99 _ 06/15/98
CALLED PJd AND SW 3OSS SD MRS NOT IN AGN TODAY AND 06/16/98
DSNT KhN t4H>I SHE 'RILL 3E BCK OR EVEN IF SHE IS CO 06/15/98
MING 9CK.....PUTTING ACCT T J NON PU3.:A1 06/16/99
NA NO ANJWC; :A! Oo/15/93 _ 06/16/98
HDaE IS GOOD WP03 MRS REFUSES TO GIVE HOME NUMN3ER 06/24/98
:M,M 06/24/98
UP UNPUBLISHED PH-1 :Al 00/16/93 _ 06/24/98
HP = BPr S'd MRS' EOUC ACCT GOING FOR FTHR ACTN TO 07/02/98
PRVNT NEEO 300 APPL AND MO SASE F70D....:4P.S SO NO 07/02/93
ADVSJ THT IS THE aRRNANGT OR SHE CAN PAY P/D AMT 07/02/98
OF 2300.... 'ARS THN SO SHE WILL C3 34 4P;4....:AI 07/02/93
WW LEFT MESS.'WORK/W:MM 06/2 4/98 _ 07/02/98
HM 41 IS MRS P03...CLSM THIS 15 NOT A GO TIME TO DI 07/29/98_
SCUSS...AOVISED MRS LAST CONVO 7/21HAD 27 DAYS TO 07/29/98
CALL THIS OFFICE AT HER CONVIENENCE AND NEVER DID. 07/29/98
..ADVISED MRS AT THIS POINT WE ARE ASSSUMING HAS N 07/29/99
O INTEREST IN PAYING ACCT,AOVISFD HER LOANS WILL G 07/29/98
0 TO ATTRNY AND CAN DEAL WITH HIM OM THIS..CLSM SH 07/29/99
E CANNOT DISCUSS THIS RIGHT NOW..ADVISED MRS IF HA 07/29/98
D INTENTIONS ON DISCUSSING WOULD HAVE C/3 LIKE SHE 07/29/98
SAID LAST TIME WE CALL=D...GAVE HER TIL 9PA TO C/ 07/29/98
B AND SPEAK TO 33 RE THESE ACCTS...ADVISED HER IF 07/29/93
NO C/drNILL GL,THIS IS LAST ATTEMOT TO TRY AND R°-S 07/29/98
OLVE PRIOR TO FURTHER COLL.....CALLED MR POB AND H 07/29/98
E IS NLE..:OM 07/29/93
M'd LEFT MESS.HOME/d:A1 07/02/93 07/29/98
HP=MRS 3P--SD ON VAC TIL ,MON. D/A SO HP=NONPUB :JN 08/12/98
I'LL GL ASAP--:JN 09/12/98
-W'a LEFT MESS.'WORK/W:OM 07/29/98 _ 08/12/98
MRS BP ON VACr MR BP 717-766-2569 WLE, GV HP FOR 08/14/98
HIM 717-790-9456. CHILD ANSWERED SO THEY'RE NItLM. 08/14/98
PUT IN AS HP. PULLING CA TO GL :JN 08/14/98
NA NO ANSWER :JN 08/12/93 _ 08/14/93
LH LEFT MESSAGE-HOM:JN 08/14/93 _ 08/27/98
FILE WRITTEN UP L HANDED IN :Jnl 09103/98
MW LEFT MESS.HO+4E W/WI 08/27/93 09/03/98
# =#=M; •:r ?r?aa:zYa;YcY. ?, aYaaaoa 09/21/98
W21/93 . CCA FD/APPL:43 09/21/98
/23/98 CLAI" ACK:M3 09/25/98
11/5 COLLECTION PROCESS CA 7 :ML 11/17/98
12/2 COLLECTION PROCESS CA 7:ML 12/16/98
1/27 RECD 413.70/C47:J3 01/27/99
1/13*?STATUS//PART PYMT//FOLLOW FOR BAL :12 01/28/99
2/11:-STATU3//PART PY'•1T//FOLLOW FOR BAL:M2 03/04/99
- I
CONCORD APPLIANCE LEDGER 09/22/99
717 790-0455 (CONT I i•IUED )
F.C, aVG DAILY F.L.
DATE CODE A-0OU'•IT GATE BALANCE AMOUNT BALANCE DESCRII
C I%iM=TITS OAT/ I`
03/19/99
3/11;'STATJS//BAIT PY'4T//FOLLO'd FOR 3AL :M2
4/9-ST4TUS-PA.T/PMT/F7LL0'd/FCR/RAL..:MR 04/15/99
5/04 STATUS/P2TL PYAN T.FOLLOW FOR 3AL..:MS 05/14/99
9/1/99 FILE P._T F.R CCA AS REFUSES TI PAY SUIT ONLY 009/10/99 1
9110/99 1
REf.OURS .'•13 .. ... .. .. ,..... 09/22/99 1
9/22/aa'JJSH LAO_V FD/APPL ".43 09/22/99 1
C--O= D SCZIPTION P.P.DAT_ P. P. AMT L
0
DIALER INF'l: GL G3ING LEGAL
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amtoYTT Reenc:;_:
ro COI+CORu r'JJANCL4L acrteiY,'r'o. Gv;,.___. __ ,
FOR VALVE RE0.lVFD. •r Mteb} ? 11 a••?Rn anf urmfv m 1^u
all wrr, n{M, ruk aal imu<v in and m rA; rrrrn•anlr nAan<r Inr i0r
Rrrul 1mwlr..n Croln Anremcnl nl itr cun•umrr de•cnbrd m Nr mrrv
hrrml..rdi full p+rr n. uY< Irral InmeJinRa in.ur nrmc M y.ur n.n.
FES 0 G 1397
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COLORADO PRIME CORPORATION SFNLI
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SHERIFF'S RETURN - REGULAR
CASE NO: 1999-06758 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CONCORD FINANCIAL SERVICES INC
VS.
NESS RAY ET AL
SHAWN HARRISON
Sheriff or Deputy Sheriff of
CUMBERLAND County, Pennsylvania, aho being duly sworn according
to law, says, the within COMPLAINT
upon NESS RAY was served
defendant, at 1840:00 HOURS, on the the
12th day of November
1999 at 913 APPLE DRIVE
PA 17055
County, Pennsylvania, b CUMBERLAND
by handing to RAY NESS
a true and attested copy of the COMPLAINT
and at the same time directing His attention to the contents thereof.
Sheriff's Costs.
Docketing 18.00 So answers:
Service 6.82
Affidavit 00
Surcharge .00
8.00
1:1 - nomas 'l'ine, here
737--b-2-JOSHUA B. LADOV
11/15/1999
by
451 r' f'?--
Sworn and subscribed to before me
this !3 b, day of nn
19 99 A. D.
-F??Cn`ilotary' ? s
SHERIFF'S RETURN - R=GULAR
CASE NO: 199 9-0 67 58 P
COMIMCNI9EALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CONCORD FINANCIAL SERVICES INC
VS.
N?SS R.AY ET AL
SHAL•IN HARRISON Sheriff or Deouty Sheriff of
CUMBERLAND County, Pennsylvania, who being duly sworn according
to law, says, the 'within COMPLAINT was served
uaon SEIFERT DEBRA A/K/A NESS DEBRA the
defendant, at 1840:00 HOURS, on the 12th day of November
1 999 at 913 APPLE DRIVE
M CHANICSBURG. PA 17055 CUMBERLAND
County, Pennsylvania, by handing to PAY NESS HUSBAND
a true and attested copy of the COMPLAINT ,
and at the same time directing His attention to the contents thereof.
Sheriff's Costs: So answers:
Docketing 6.00 ,,•, r
Service 00 J f
Affidavit .00
Surcharge 8.00 Fem. Tnomas r iiZ' ie, nLt?-
$7T-OD-10/15/19. LADOV
by
e u y !lc iT"Tf-
Sworn and subscribed to before me
u
this 13 _ day of rCnu-._Gr-•-?
1 9 / 9 A. D.
JOSHUA B. LADOV, P.C.
BY: JOSIiUA B. LADOV, ESQUIRE
ATTORNEY I.D. 473274
SUITE 200 - JENKINS COURT
6I0 OLD YORK ROAD
JENKINTOWN,PA 19046
215-885-3339
Attorney for: Plaindff
CONCORD FINANCIAL SERVICES, INC
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Vs.
RAY NESS & DEBRA SEIFERT a/k/a DEBRA
NESS
No.: 99-6758 CIVIL
PRAECIPE TO ENTER DEFAULT JUDGMENT
TO THE PROTI-IONOTARY:
Kindlyenterjudgment in favor of the Plaintiff, CONCORD FINANCIAL SERVICES, land against
the Defendant, RAY NESS & DEBRA SEIFERT a&a DEBRA NESS, in the amount of S3,423.20 for failure to
file an answer.
I certify that the assessment ofdamages is forspecified amounts averred to be due in the complaint and
is calculable as a sum certain from the complaint.
r.
_.
Principal S2,654.83
Interest S237.40
at [lie rate of 12%
from March 19, 1999 to December 16, 1999
Court Costs
Attomeys' Fees S530.97
TOTAL S-),423.20
DATE: December 16. 1999
i
BY:.IOSIIUA-13 k DOV, ESQUIRE
Attorney ?Priiiituiff
I liereby assess damages:
j-'
Prothonotary
CERTIFICATION OF ADDRESSES
The undersigned hereby certifies of record that the precise residence address of Defendant(s) is:
RAY NESS & DEBRA SEIFER7' a/k/a
DEBRA NESS
913 APPLE DRIVE
MECHANICSBURG, PA 17055
The residence address of the plaintiff is:
CONCORD FINANCIAL SERVICES.Ii' ,
P.O. BOX 9002
MELVILLE, NY 117479001
BP :JOSHUA Q/LADOV, ESQUIRE
Attorney for Plaintiff
2
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JOSHUA B. LADOV, P.C.
BY: JOSIIUA B. LADOV, ESQUIRE
ATTORNEY I.D. #73274
SUITE 200 - JENKINS COURT
610 OLD YORK ROAD
JENKINTOWN, PA 19046
215-885-3339
Attorney for: Plaintiff
CONCORD FINANCIAL SERVICES, INC
COURT OF COMNtON PLEAS
CUMBERLAND COUNTY
Vs.
RAY NESS S DEBRA SEIFERT :dk/a DEBRA
NESS
No.: 99-675S CIVIL
CERTIFICATION UNDER P.R.C.P. 237.1
I, JOSHUA B. LADOV, certify that I mailed a notice to Defendant(s) in the above captioned matter at
least ten (10) days Prior to the filing of an Order for Judgment by regular mail to:
913 APPLE DRIVE
MECHANICSBURG, PA 17055
Attorney for Plaintiff
,ESQUIRE
?. .1
`?.
!,
LAW OFFICE
JOSHUA B. LADC%7 P.C.
JOSHUA B. LADOV
\Irm Fcr PA and NJ V.,,,
RAY NESS AND DEBRA SEIFER F
a/IJa DEBRA NESS
913 APPLE DRIVE
MECHANICSBURG, PA 17055
File No.: O?SSO,oi
CONCORD FINANCIAL SERVICES. INC
vs.
RAY NESS S. DEBR \ SEIFERT a k. a DEBR-\
NESS
IMPORTANT NOTICE
COURT OF COYI:vION PLEAS
CUMBERLAND COUNTY
No.: 99-675S CIVIL
You are in default because you have failed to file an answer to the complaint sen ed upon you
in the above captioned 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 mac lose your propcrty 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 folloxcimg office to find out where you can _,et legal
assistance:
Cumberland County Bar Association
2 Liberty Avenue
Carlisle. PA 1 7'0I'-3_',S7
717-2-'9-3166 or
500-990-9105
I)L'L'Cillbel 3, 1999 LC'CAIFn IN %I FJ%, OI rUR PHILADELPHIA
'
Suite 200 -Jenkins Court
610 Old York Road
Jenkintown, PA 190.16
(215)855.3339
Far (215)533.4054
Very truly VOtlrs.
JOSHUA B. LADOV, P.C.
/;BY JOSFIUA B. LADOV
JBL:m
THIS CONINIUNICATION AND ALL FUTURE CONINIUNICATIONS FROM THIS OFFICE
ARE ATTEMPTS TO COLLECT A DEBT AND ANY INFORNIATION OBTAINED MAY
BE USED FOR THAT PURPOSE.
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OFFICE OF THE PROTHONOTARY
COURTOFCOMMON PLEAS
TO: RAY NESS & DEBRA SEIFERT
a/k/a DEBRA NESS
913 APPLE DRIVE
MECHANICSBURG, PA 17055
CONCORD FINANCIAL SERVICES, INC
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
vs.
RAY NESS & DEBRA SEIFERT :/Ua DEBRA
NESS
NOTICE
No.: 99-6755 CIVIL
Pursuant to Rule 236 of the Supreme Cowl of Pennsylvania, you are hereby notified That a Judgment has been
entered against you in the above proceeding as indicated below.
Prothonotary
_ JUDGMENT BY CONFESSION
X JUDGMENT BY DEFAULT
- JUDGMENT IN REPLEVIN
- JUDGMENT ON GARNISHEE'S ANSWERS TO INTERROGATORIES
- JUDGMENT ON AWARD OF ARBITRATORS
_ .IUDGMENT ON VERDICT
_ JUDGMENT ON COURT FINDINGS
- JUDGMENT ON WRIT OF REVIVAL
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL:
ATTORNEY: JOSHUA B. LADOV, ESQUIRE
(215)S85-3339
THIS COMMUNICATION AND ALL FUTURE COMMUNICATIONS FROM THIS OFFICE ARE
ATTEMPTS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED MAY BE USED FOR -1-1-1 -r
PURPOSE. t
JOSHUA B. LADOV, P.C.
BY: JOSHUA B. LADOV, ESQUIRE
ATTORNEY I.D. 03274
SUITE 200- JENKINS COURT
610 OLD YORK ROAD
JENKINTOWN, PA 19046
215-885-3339
Attorney for: Plaintiff
CONCORD FINANCIAL SERVICES, INC
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
VS.
RAY NESS & DEBRA SEIFERT .dlda DEBRA
NESS
No.: 99.6758 CIVIL
AFFIDAVIT OF NON-MILITARY SERVICE
JOSHUA B. LADOV, Esquire, being duly sworn according to law, deposes and says that s/he is an
attorney employed by the plaintiff above named and duly authorized to execute this affidavit of its behalf, and
that the name(s), approximate age(s), residence address(es) of Defendant(s) above-named is(are) as follows:
RAY NESS & DEBRA SEIFERT a/k/a DEBRA NESS
Name
Over 21 years of age
913 APPLE DRIVE
MECHANICSBURG, PA 17055
Residence address
Affiant further deposes that Defendant(s) is(arc) not engaged in the military service of the United Stales, within
the purview of the Soldiers and Sailors Civil Relief Act of 1940, as amended.
The undersigned understands that the statements herein are made subject to the penalties of 18 Pa.C.S. §4904
relating to unswom falsification to authorities.
JOSH jA B. LADO Z?QUIRE
I
J ?
CONCORD FINANCIAL SIRVICL•S.
INC.,
Plaintili'
vs.
129 MARKET STREET MILLER:
717692.2345 l: FAX' 711
2941 NORTII FRONT STREI
HARRISBURG. PA I
717.236.9511
IN TI n: COURT OF COMMON PLEAS
CUMBERLAND COUNTY. PENNA
NO. 1999-06758
RAY NESS. DEBRA SEIFERT and
DI-BRA NESS, : CIVIL ACTION- LAW
Defendants :J udgment Entered: November 8. 1999.
: in [avc)rol'I'laintill'. 01C1111101.1111, Of'
:S4,000.00 IN FULL SATISFAC'T'ION
SATISFACTION OF JUDGMENT
The said CONCORD FINANCIAL SERVICES, INC., Plaintiffabove-named, does hereby
acknowledge that it has this da%,had and received ofandGom RAY NESS, DEBRA SEIFERT. and
DEBRA NESS. Del'enclants in the above.ludgment, fill l payment and satisfaction of the same, and
desires that satisfilction therefore shall be entered upon the records lhercol.
AND Iarther does hereby authorize and empower the Prothonotary ol'said Court, 1'or it and
in its name and stead, to enter Full satisfaction upon the record of said .fudgnlent as fully and
effectually to all intents and purposes as it could were it present in person by itsproper orficers so
to do. And Rir so doing, this shall be its sullici--nt warrant of authority.
IN WITNESS WI 1IJ2E01-Aliesaid CONCORD HNANCIALySERVICES. INC.. hascausetl
this Letter of Attorney to be signed by its proper officer, this t7 I iy of \9ay. A.D., 2002.
:\'CI'ES"l': CONCORD FINANCIAL SERVICES. INC.
BY: (SEAL)
JoshrT 13 Ladov'isC.. Attorney flor
?Concard' 3iri cial Services. Inc.
C'ON1MONWEALTII OF PENNSYLVANIA
COUN'T'Y OF d/'-211-D1n%1
On this, the day of (/i .2002, before nie, a Notary Public, the undersigned
JOSHUA Q. LADOV. P.C., personally appeared. who acknowledged hinisel l'lo be the attorney of
record CONCORD FINANCIAL SERVICES, INC., and the he as such attorney, being authorized
to c10 so, executed the foregoing instrument for the purposes therein contained by signing the name
oI'the Corporation by hiniselI'as attorney.
IN WITNESS WIiEREOF. I hereunto Set my hand and o11J'-ial Seul.
is
NOTAAIALSEAL
K&M R, Colflesh, Notary Rubric
wmgh of Jenkintown, Mw*meey Can
tMy Co mission EVkes Feb u" 7.2D08
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