HomeMy WebLinkAbout07-3156IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CREDIT ASSET MANAGEMENT, LLC
ASSIGNEE OF HOUSEHOLD BANK,
Plaintiff,
vs.
BARBARA C WHARY,
Defendant.
CIVIL DIVISION
No.: ~ ( -3/J~a ~IU~I.~~ 1.
COMPLAINT IN CIVIL ACTION
Code: 010 -Contract
Filed on Behalf of:
CREDIT ASSET MANAGEMENT, LLC
ASSIGNEE OF HOUSEHOLD BANK,
Plaintiff
Counsel of Record for this
Party:
GEORGE A. MILLER, Esq.
BROMBERG & MILLER
PA I.D. # 22525
1030 FIFTH AVENUE, STE. 102
PITTSBURGH, PA 15219
(412)232-0440
File 57310
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CREDIT ASSET MANAGEMENT, LLC
ASSIGNEE OF HOUSEHOLD BANK,
Plaintiff, CIVIL DIVISION
vs.
BARBARA C WHARY,
Defendant. No.:
COMPLAINT IN CIVIL ACTION
NOTICE TO DEFEND
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 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 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 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 WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
32 S. BEDFORD STREET
CARLISLE, PA 17013
Telephone: (717) 249-3166-800-990-9108
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CREDIT AS5ET MANAGEMENT, LLC
ASSIGNEE OF HOUSEHOLD BANK,
Plaintiff,
CIVIL DIVISION
vs.
BARBARA C WHARY,
Defendant.
COMPLAINT IN CIVIL ACTION
Plaintiff, CREDIT ASSET MANAGEMENT, LLC ASSIGNEE OF
HOUSEHOLD BANK, brings this action against the DEFENDANT, BARBARA
C WHARY, and states the following:
1. The Plaintiff, CREDIT ASSET MANAGEMENT, LLC, a Delaware
Limited Liability Company, whose address is 1030 Fifth Avenue,
Ste.102, Pittsburgh, PA 15219.
2. The Defendant, BARBARA C WHARY, is an individual
residing at 4811 Delbrook Road, Mechanicsburg, PA 17050.
3. The Plaintiff assignor, extended credit to the Defendant,
on or about June 30, 2003 and the Defendant became indebted to
the Plaintiff upon Account Number 5488975026793755 in the amount
of EIGHT HUNDRED EIGHTEEN AND 80/100 DOLLARS ($818.80), a copy of
the Credit Agreement being attached hereto as Exhibit "A".
Alternatively, Defendant obtained the benefit and the use of the
account and has been unjustly enriched thereby. Alternatively,
the balance due is an account based upon a running credit which
Defendant has accepted.
4. Defendant has failed to honor this obligation despite
numerous efforts made by the Plaintiff. Plaintiff intends to
offer the attached exhibits into evidence at trial under Pa. R.
Civ. Proc. Rule 1305, to the extent applicable.
5. The principal unpaid balance is totals EIGHT HUNDRED
EIGHTEEN AND 80/100 DOLLARS ($818.80).
WHEREFORE, Plaintiff, CREDIT ASSET MANAGEMENT, LLC, demands
judgment of the Defendant, BARBARA C WHARY, in the sum of EIGHT
HUNDRED EIGHTEEN AND 80/100 DOLLARS ($818.80), plus interest,
applicable legal fees, and costs of suit.
Respectfully submitted,
George A. Miller, Esq.
BROMBERG & MILLER
Attorney for Plaintiff
1030 Fifth Avenue, Ste. 102
Pittsburgh, PA 15219
(412) 232-0440
-2-
VERIFICATION
The undersigned,`~G
verify that he/she is the
does hereby
of Plaintiff
herein, that he/she is authorized to make this verification on
behalf of the Plaintiff, and that the facts contained in the
foregoing Complaint in Civil Action are true and correct to the
best of her/his knowledge and belief.
This statement is made subject to the penalties of 18
Pa.C.S. Section 4904, relating to unsworn falsifications to
authorities.
CREDIT ASSET MANAGEMENT, LLC
assignee of HOUSEHOLD BANK
Household Bank®
ittwslxolo uAwlf va+-•/tiust~lu~o•
~cN~ttE-n Atlw asaosmtl STAIEMENIT
HOUSENOID OAN); {SBI, N.A. Im Ygps, Merada ('lair') 's happy b enrol ya, a o mem
6a d Ns CRE01f URD PROGRAM f Progrom'),ad -e iaue a Ym/Nosla(ad C(ad'7 for
acesstnng you tad kaud ('Accorae'). Th, lane aai and5ons d tM Pwpam as car
toexd'e the GRDHOIDER AtiREEMENT AID 015(IOSUAE STAiFMENi ad the asanpatyirg
sheet angtled 'Impor-w lalormagotr Repadag Maur Auant' (calugvdy, ~
'Apeanw'), ar anwdd Man line b ttnm. flr lams ad cadNart d the Apeesnent
6ecarte elagre ham the Rma yea receive the lard a rlgarrnuurt.
INFDRAtATIOM SNARIM6 DISCIDSURE
At au dscrNioa we may ttaemwpcate infamolan eddy about au lpnsacgaa a ~h
coca wiNr yea b persaas rebred h a 6y casreen awrrashq a efRfiated by rapaep tarn
kd. We ma/ shag idamaRae we ohteN about you fpm thid panes aide compaela rddr
which sw ore cabtd by ceamon awrterskp a ai~oted by carpopte tonea~, adess yav frog.
h a bdae the Ndanaolon a ieigoly cortmamkmed tlut ya do rat went us b :hero wch
Mbrmatlon.'ka can rally us ml ro stare wu1 lataraoRors by wsiNng b us at laakcad
Savica, PO iba 19360, Perdad, Oregm 9121Ot)360. l y~ wife, place provide sane,
address, :acid saudly aarrbee siYroira, aad. i(appicahle, kawe manhar fa eadr persaa
rtrdsirg Rre ekcgon. Yea roQuat w8 not apply b gu scaring d idormaean reblYrg h yea
hansacoam a esperience wiigr us.
1. Delmliora
'Yau' a'you' meam eadr and Bray pecan airs oppfies ta, sigrn, acapts, aces, a's
wthaind h use ga fad, a any aedit fanrre d rla fad a kuwm. 'Wa', "a ; eed
"our rtam gr Bair and iR asipiues ord suc[essors'Patlraes' mans of goadr, savica
and any otlra aed'N obtained vddr yea Cod a 16a AcceaN. 'Ogw Qraga' ream apm
fees oad :nuke chaga, sah a daaual Fea, lab Pofareel Feas, Befouled Poyarae Fca,
Replacement Fee fa ea addhoaal cedts) a PIN, ad Ovairrit Fees '(ask Advances'
means of cost,, a equivalent, obroined from bads:, Aubnated Toler Nnchius, a odws
through dw ae at the fad a Aaount.'l~irrg Cycle' meora do time beanea eraRgdy slat
moot dohs. '(bsag Ooh' me^,ns the dote d the lost day of the 1Rtling (yde. 'New
ldance' means tae Account bdmce on the Chesing Oah. 'Preaocrs Balarce' means da bd-
one d dre Account a is begiraing d dre lARirtg Cycle.
I. AppRmble law.
1!ris AgrameM and you Aaaw riR he governed by ceded bw, and Ike lows d ga Stab
of Hevado, whegrer or not yon be n Nevado ad wfiedrer a rot your Accormt 6 used ar
side Nevada. iha Agreement b weed imo b Nwado ad of cndil ands gr's Ageeanw ril
he eetendd ham Nevada. NI terms ad cardNats d grin Agaereenr, irckrding drenge d
tams a appkca6le hnv provisiorn, gre FINANCE CNARGE, lab poyraent tae, owdimN Fw ad
otha lea provided fain gds Ayreemem ap deemed b be rneterid to dte detemdmtion d
the Brtaat rote.
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Fee is aafundoble duig dre fiat 3D days you kcOWl a open u tang as you hove aor used
~ kcarm.
The Mined Fee catrpaames NaaehoN Rank, k pad, ter mdalda servkra provided
Iluoughout du mmdsshp yea whidr includes bat's nor larhd b die fight d the cardrold
a b acaa aabnw senior slat, do right d dw: cor~olda ro ruiddald payawM d
ed doges, and doe praassig ad mdirp d fie marddy bihp sbternml.
B. tale -ayment fn, OwrBrnR fee oad Rebrned Payment he, ka dte acmmponpng
sheer emitkd'hnpalont Infamalbn Regrading Your kcaent.'
C Repkcanent Fee. ~ yea ask us ro repbce o ford dal ~ last, sloleq a damaged, a d
yon ask k a replaement Persand kis~"uaRea Rrmha O1Ml b kdBtote aaess ro
AurotnoNd Tens Machines, you opnx ro pay us a Replocemad Foe d $S. o you ropuest dot
we send a nplacemem cord b yogi on o nah 6a's, yov wdl fH chaged ou anrent fee fa
Iha senin.
D. Cradh hwOraaaR Yle may Olfa trodr tratnorce. B we do, you wit not be required b pur-
chose A border b obidn credi Ryon chase ro purchase GedB hnnnu, You outbodte us
ro edd Bs coat b you lluoum eah modlr.
E ReiMdemed Fa. II you ask u b rcopdr you dosed or 6akd lktouM, and we
opprow your squest, you ague b pay m o Reirrsbtenwn- Fee d 525.
f. Odrer Fees. A Fee d St0 wtl fro Barged ro you kcwnt lOr o dupRcab copy d your aip
end oad~. A fee d St.SO per pope wi & cloyed ro yea kcaunt what you hove
ratpresred us b said yea documems rb fitcsirrie. A Foe d 53 wrl bs draped ro year kcanr
far eadrdepkoh mpy of yea monddy sroronam. it ba d S6 en1 tk dagad b your kcaurt
for each reebsd d a daft. The lea fa capes d the menddy sblemems and drafty wRl rot
k dogd # do rophs oro ngaied fa the resohrfion d o assailed 6iGnp error.
13. SerorRy DeposB {d oppiteldel.
!i you bare completed a 5ecufly Apreemem fa you {gird kcaad, you hove gtvea us funds
b sane d a rasda d the fvdances owiq an you ford kcamt. Yau here requested end
aelaiitd us ro uae the ka~ b apn o fDlf~nsurod kvigs DeposN kcaunt ('DeposB
lirtamYl witA Orchard Bank, a llwkbn d Rousehohl lbrik, Lsh. h yea nom1,
Te setae poyment of d anamh you evrc an dre fsad kmrmt, you ossipn, pledge. and groat
ro u o ka ~M 'rest wda the Ongm Uaiomr Camwrdd (ede b the Deposit
kcoum ad in d renewah, oddiBans, srbstib5onsr and proceeds doeb and lherwf, and
dre hderost emued Ihaeoa, es provided b the kturtty Depoal kcaN pgroamnt yea
sgned and degvend b us olag wish the furKk. h coamcRa wllh you Serodly Ageerrwnt,
you terdfrd dqt the DeposR kcoerd is exempt from 6odsup vsidrhddinp wader applicable
slam ad fedar taw. h Deposit krouat wit M h you nmt, wad wi accrue imagist of
dm roro epabtahed he ravings depose ktaurts flan line M fine. Yw wry rot coda wGM
drawok kaa dr geporil kcarr.
Upon aazelmbn d yea tad kcautt, adra bJ you a by us, a~ afta any regired nuke,
you ardwdte us b cakrlete and deduct fiom the Dapadt ktounr da 6donce of you Cad
kcaunr ad 11Mn, sebjed ro apt loins m oppBcoNa laws, we wit sand you aM mainkq
proceeds b dN Oepasi kmwa al dN last aNres slrowm for you on ou ncords.
N ran [ant kuuA has bah second and useared WdN Utn7s, and you ask us b
YN wi ~ d00°~t b tar, we veil osghGsh a War (ndr timi fa you krour,
fropait keoeM >. yeu, prodded Nrr see fiat ri drdsnt ham the
Oepodt kuud end apply b tae Card Aaanr 6olaae m emoeer aped ro tlse amount,
if anti by which your rohrt Ord kcaui 6dartn esxeeds poor net Gedi Urrrit.
1 d. Applkatlan of hpawgs.
ro ary nrmlorory provdbes ai appfiaohle bn; d paymNs praesacd by a wN
6e appTid ro the balorces as you Attars a the mama we drisrmiae,
15. DefouR
Tae wi be b defadt d tha Agreeasent i W pau hri ro PM a f di pw enued
you (ndirn lim1; (Q you vbbN oap Potion d the Agnenten, a any odw erdnps
oyeemerrl you bore wah us (d) you ale a became bgdY ~4e-enk fd you fife br
baduupcy; a Ui any albs tndbr tries b bke menp a proprrly d yaen wf irh yoe
More esdgnd ro us a a n eve possession.
16. Jtaults of Oefauh.
N you on b deloult, rte may (suhjat q oppguble law b dse anAay) b) dedhre q
oxtail futha uLdt ro you; tU trrmirae your Assort wBhaA Nis srolke and segdn
yar ro per dre rord omoreq and inunadiofelt, W canal you riaa the aebrrgled nA
ing system; fd) ueasse am and d d au dghR rAlh nspect q INs Age and W
N we mist bring kgd alas, nquie yor b pay el d oa costs d aiecNp4 YubiiN ~
cost d arbitrotiar, tour coats, ad atlaneys' qes. As prodded b Are acargaryirp sheet
orraded 'Imporbat hdonmlion IGgadnq Tar Aaaunl' you may de ssr6jert ro a higlw
Mornlriy Periods Rote and ANNUAL PERCEA;TA6E RATE. You also agroe b par any cosh
we incur i your Accamr a phrred m a "ReOrkrod fkY'.
U. Riglds and Remedies/VYahen.
Ya o®ee we tan exertise any d ow rights and mtredes undo ills Agreemerd and udu
opphmble low willtast being sap d do dghR and rerredbs wa q rol exensa We can
ddey a waive edarhsp aM d au riphh oad rertrdres sdNspA declhp aksiag eay d
them. A wCira d any dghl by us shoR rot be deemed b 6e o woiva of albs ipMs a
d tta Sane right at orroNrer Nme.
1t. Others Udag yaw AccoaM.
B mae Nan on penal k audtaind N use Ih kcwaf, each d yours pauiy and sew
aagy 6ob'e fa dw fuR amasnt d d Pusdroces and (ash Adraca, FINANCE OIARGq
and Odra Qrorgos assaioted veldt she Attars, hrkdbg Pedusos sail Cosh Aduaaes
and charyes h exuss d you {Wild UraN. Eah d you has dN dRh- ro use dre Aaa,nl
sail the {ad(s) and B Tiobfe for d mrawis exrondd Ueda the kcant b any d yar.
(btu you aaept your CmdW, yeu idea egw b be nspasib far d tharyes•. lo!
iecured by penam with ahal, impRd a appenM oudsaNlt b use you GdW ond/a
kcasnf a tb) from which say d you rocewe a berrdil, whedw rongbb m Idoagi6le.
Tou prarese b pay fa aN fixdroses and Cady Adroaes Wade by anyone yoe outhori:e
ro use you kcarnt, whether a trot ya ~ us Ilia >kY wi b, usitg e. II torseoao
else a auOrorixed b use yaw Aaounl, ad you wanl that q end, rw musl let es
know w writing, end N he w slu has a {ad, yeu nwsl rdura dwr Cad, ca b pieces,
erith your wrinen rroNficotion.
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SHERIFF'S RETURN - REGULAR
CASE N0: 2007-03156 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CREDIT ASSET MANAGEMENT LLC
VS
WHARY BARBARA C
MARK CONKLIN Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
WHARY BARBARA C the
DEFENDANT at 1755:00 HOURS, on the 6th day of June 2007
at 4811 DELBROOK ROAD
MECHANICSBURG, PA 17050
BARBARA WHARY
by handing to
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Postage
Surcharge
18.00
10.56
.58
10.00
.00
39.14
Sworn and Subscibed to
before me this day
of ,
So Answers:
R. Thomas Kline /,
06/07/2007
BROMBERG & MILLER
By:
Depu S eri f '
A.D.