HomeMy WebLinkAbout03-4048BURTON NEIL & ASSOCIATES, P.C.
By: Burton Neil, Esquire
Identification No. 11348
26 South Church Street
West Chester, PA 19380
(610) 696-2120
Attorney for Plaintiff
BANK OF AMERICA, N.A., (USA)
4161 Piedmont Parkway, Greensboro, NC 27410
Plaintiff
V.
MICHAEL L.GARMAN
112 Petersburg Road, Carlisle, PA 17013-3132
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03 - 40gP
CIVIL ACTION - LAW
COMPLAINT
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 (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 claim 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 OUT WHERE YOU CAN GET LEGAL HELP.
LAWYER REFERENCE AND
INFORMATION SERVICE
Cumberland County Bar Assoc.
2 Liberty Avenue
Carlisle, PA 17013
Telephone No. 717-249-3166 or 800-990-9108
BURTON NEIL & ASSOCIATES, P.C.
By: Burton Neil, Esquire
Identification No. 11348
26 South Church Street
West Chester, PA 19382
610-696-2120
Attorney for Plaintiff
BANK OF AMERICA, N.A., (USA)
4161 Piedmont Parkway, Greensboro, NC 27410
Plaintiff
V.
MICHAEL L GARMAN
112 Petersburg Road, Carlisle, PA 17013-3132
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
No. 03 - ti py p Co c,
CIVIL ACTION - LAW
Complaint
1. The plaintiff is Bank of America, N.A. (USA) with place of business located at 4161
Piedmont Parkway, Greensboro, North Carolina.
2. The defendant is Michael L Garman, who resides at 112 Petersburg Road, Carlisle,
Cumberland County, Pennsylvania.
3. At the defendant's request, plaintiff issued the defendant a credit card bearing account
number 4024116002549473 for the defendant's use in making credit purchases and securing cash
advances subject to the terms and conditions governing the use of the credit card. A true and correct
copy of the terms and conditions of the account is attached hereto and marked Exhibit A
4. The defendant accepted the credit card and the terms and conditions governing its use for
the purchase of goods, merchandise and services and/or for cash advances from vendors who
accepted plaintiff's credit cards. In using the credit card, the defendant agreed to comply with the
terms and conditions governing its use which included the obligation to pay plaintiff for all charges
made in full upon receipt of the statement or in installments subject to monthly finance charges.
5. The defendant utilized the credit cards by making/obtaining purchases of goods,
merchandise and services and/or cash advances from vendors who accepted the credit card. Monthly
statements were sent to the defendant which detailed the charges made to the account including late
and/or finance charges. The balance due for the charges made by the defendant including any late or
finance charges is $10,755.52.
6. Defendant did not pay the balance due upon receipt of the billing statements and is in
default of the terms and conditions governing the use of the credit card.
7. Although demand has been made by plaintiff upon defendant to pay the sum of
$10,755.52, the defendant failed and refused to pay all or any part thereof.
8. Plaintiff alleges it is entitled to recovery of its attorneys fees from defendant pursuant to
the terms and conditions governing the account. Plaintiff seeks recovery of attorneys fees in the sum
of $2,151.10.
Wherefore, plaintiff demands judgment against the defendant in the sum of $10,755.52,
attorneys fees in the sum of $2,151.10 and the costs of this action.
& A
SSOCIATES, P.C.
BURT7L.,
RX;_ 4 L
Burton Neil, Esquire
Attorney for Plaintiff
The law firm of Burton Neil & Associates is a debt collector.
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Verification
J (Name of authorized representative)
is 4YLAA
(Title or Position)
for, Bank of America, N.A., the within Plaintiff in this action, and that the statements of fact made in
the foregoing Complaint are true and correct to the best of the undersigned verifier's knowledge and
belief. The undersigned understands that the statements made herein are subject to the penalties of 18
Pa. C.S. Section 4904, relating to unsworn falsification to authorities.
Date: 31a-llo'
Michael L Garman
4024116002549473
s w d
G
Michael Lee Garman
112 Petersburg Rd
Carlisle PA 17013
Defendant
BANK OF AMERICA, N.A., (USA)
4161 Piedmont Parkway, Greensboro NC 27410
Plaintiff
BURTON NEIL & ASSOCIATES, PC.
By: Burton Neil, Esquire
Identification No. 11348
26 s Church St
West Chester, PA 19380
THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 03 - 4048 CIVIL TERM
: CIVIL ACTION -LAW
Reply
To Complaint
1. The plaintiff is Bank of America, N.A. (USA) with place of business located
at 4161 Piedmont Parkway, Greensboro, North Carolina.
2. The defendant is Michael L Garman, who resides at 112 Petersburg Rd,
Carlisle PA Cumberland County
3. Credit card bearing account number 4024116002549473 was issued to me
as stated in complaint.
4. I accepted the credit card and was abiding with the terms and conditions
governing its use until a change in income caused financial problems.
5. I did use the credit card but the figure $10,755.52 is not correct as far as
my records indicate.
6. In April of 2002 I signed an agreement with Nationwide Asset Services,
4229 Northgate Blvd Ste 1, Sacramento CA 95834 916 569-1950 to
negotiate and pay all of my creditors. Nationwide sent to my creditors,
including Bank of America that they now have power of attorney on
matters with my creditors. I have been paying Nationwide Asset Services
Inc and they have been negotiating with my creditors as funds accumulate.
7. Nationwide Asset Services and I plan to pay my creditors as funds become
available. My income was cut drastically three years ago and I have used
all my assets to pay what I was able to pay. With my mortgage and what I
pay Nationwide Asset Services Inc I have no additional funds available.
8. The defendant alleges that the Plaintiff is not acting in good faith and has
not complied with defendants request to stop calls etc. The defendant
seeks time until such time as funds are accumulated to pay.
Copies of the agreement with Universal Debt Reduction, LLC, Nationwide Asset
Services Inc is enclosed.
Michael Lee Garman
MISSION STATEMENT
Universal Debt Reduction, LLC
Our purpose is to create a significant improvement in the financial lives of people whose
unsecured debt has become a burden. Our efforts will drastically reduce both the size of the
monthly payment needed to retire their existing unsecured debt, and the time required to do so.
We also teach our clients how to apply future discretionary funds toward their secured debt,
with the object of becoming totally debt-free as soon as possible. We require a commitment
from our clients toward these goals, and our program includes a comprehensive study course
that enables them to understand the principles of both the responsible use of credit and the
practicalities of debt-free living.
How the Program Works
1. Client agrees to the terms'of the program to include a lower monthly payment, savings of
40-60% on their unsecured' debt, and a much shorter term to retire their debt.
2. Client stops all remaining payments to unsecured creditors, which will have a negative
impact on his/her credit while on the program. This is necessary to position the account
status in such a way to insure the best possible savings during settlement negotiations. This
also provides time to accumulate the amount of funds necessary to make lump-sum
settlements. At settlement, the Creditors are required to report the account as paid with a
zero balance, resulting in an improved credit score for the Client.
3. Client returns the enrollment packet as quickly as possible, along with the $299 set-up fee,
bank draft authorization, voided check, and original account statements.
4. The Client notifies us on a weekly basis of any ongoing calls from creditors. As the late
payment status progresses and ke receive call records from the Client, Nationwide Asset
Services notifies creditors that they are handling the Client's account, and that creditor
contact with the Client should cease. Faithful cooperation on this by the Client is of
immense help in making the program run smoothly. (See How to Deal with Contact from a
Creditor)
5. A series of agreed to monthly payments by automatic bank draft start an average of four
weeks after enrollment.
6. The first three payments go to Nationwide Asset Services, Inc., as a retainer/counseling fee.
7. Starting with the fourth payment, each monthly payment is deposited into an individual
bank account to be handled by Nationwide Asset Services., Inc. on behalf of the Client.
8. For approximately six months, things are pretty quiet. Then, as funds accumulate,
Nationwide Asset Services, Inc., through its contracted negotiators, starts offering to settle
each account, usually beginning with the smallest, for a reduced sum. Nationwide Asset
Services, Inc. retains 25% of the settlement savings as a negotiation fee. (See, Agency
Retainer and Fee Agreement)
9. The Client gets a monthly statement on their bank account, and is notified of all
settlements.
10. The Client may make unscheduled payments to the bank account to increase funds
available for creditor settlement.
11. As part of each negotiated settlement, Creditors are required to agree to report to the credit
bureaus that the Client's account is paid, with a zero balance, which improves the Client's
credit score.
Universal Debt Reduction, LLC
4229 Northgate Blvd, Suite 8
Sacramento, CA 95834
(916) 569-1880
Michael Garman
112 Petersburg Road
Carlisle, PA 17013
April 10, 2002
Dear Michael,
Thank you for placing your trust in Universal Debt Reduction and Nationwide Asset Services,
Inc. Your enrollment packet is enclosed. Please complete and sign the documents in the file
pocket labeled "PLEASE COMPLETE, SIGN AND RETURN" and return them to our office
right away. Please contact your Debt Counselor Karen Hernandez at (707) 773-2814 if you
have any questions or need assistance in completing the packet.
Please find the checklist showing which items you need to complete and return and which items
you keep for your records. We encourage you to check off each item as you place it into the
prepaid return envelope. Be sure all the forms are corrected, initialed and signed and that
package including a voided check, your $299 set-up fee payable to Nationwide Asset
Services, Inc. (if not scheduled to be paid by bank draft) and an original entire statement
from each of your creditors. You can call Federal Express at 1-800-463-3339 for free pickup,
or place the package in a Fed Ex drop box convenient to you.
Our debt elimination program is the most effective program available in the nation to relieve the
overwhelming burden of debt. Our clients are saving 40-60% of the debt they now owe and are
able to be out of debt within 2 to 4 years. They also save all of the interest and other costs they
would have paid in the 20+ years of struggling under their current debt load. We want you to
fully understand our program and our objectives. Therefore, we encourage you to review the
enclosed material and also visit and study our company web site at: www.UniversalDR.com.
Our nationwide network of trained and experienced Debt Counselors work to assist thousands
of people like you who are overburdened with debt and are seeking an effective way to solve the
problem. Additionally, our professional staff of client service and support personnel is eager to
help you solve your debt problems.
Thank you once again for the confidence that you have placed in us. We look forward to helping
you on your journey toward financial freedom!
Sincerely,
Don D. Meyers
Operations Manager
From: "UDR-Linda Coffer" <linda.coffer@universaldr.com>
To: <mlgarman@hacc.edu>
Date: 5/11/02 4:15PM
Subject: UDR Client Orientation
Dear Michael,
We received your contract and all was in order. I would like to review a few
points that will help you to get the most from the program. This program
works well for our clients and it works best for those who understand these
points.
Call Records
You have a small, but very important part to play in making the program
work. First we need you to be faithful in faxing or mailing your call
records on a weekly basis. When we get them, we will contact your
creditors. If we don't receive any call records from you, we will assume
that you are not getting any calls. Secondly, when your creditors do call,
stick with the script that you were given in your packet. Don't talk to therm
about the details of our program, or anything else that isn't in the script.
Get their information for the call sheet, read the paragraph with our phone
number 916-733-1628, and hang up the phone. Do not engage in any
conversation at all, because given the chance they will try to get you to
send them money or convince you that our program won't work. Please take
note that the creditor contact number has been changed to 916-733-11328.
The creditors will be persistent in calling you. for several months. It is of
highest importance that you DO NOT HAVE ANY OTHER CONVERSATION WITH THE
CREDITORS other than the script that we provided.
If the creditors leave you a message on your voicemail, fill out a call
record with the information they leave, do not call them back. After you
have turned in one call sheet for each creditor that you have on the
program, you no longer need to keep asking for their name and number. Just
find out which creditor is calling and report it on the call record. If you
have caller ID and the creditor calls come in unidentified, you may choose
to ignore those calls or you may choose one or two days a week to answer the
calls and not answer them every day. You may also use your answering machine
to monitor the calls. This will give you a break from the calls and yet keep
you up to date on who is still calling.
Fees
Your first 3 monthly payments are retainer fees that go to the company. This
also allows the debt to age, and allows Nationwide to contact your creditors
and start getting them to call us instead of you. Your fourth monthly
payment opens your bank account and when enough funds accumulate, we begin
negotiation. Your account will be handled by Nationwide Asset Services, and
they will be dealing with your creditors.
Interest and Late fees
Creditor's List Page 1 of 1
Applicant: Michael Garman
Co-Applicant:
Unsecured Debt on Program
(Credit rn ma a (Account Type
TT Other 1
ank of America
lank One First USA Credit Card
leneficial Credit Card -
loscovs Store Account
Credit Card
:apital One
'base Adv Cred jCreditCCrd
'base MC dit Card
-hase Visa (Credit Cazd
7in ank ?Credit Card
-
-first National
-
Credit
t Card
Credit Card
?irst Select
First Union _Credit Card
First USA Credit Card
First USA GE -Credit Card
Home Depot Store Account
Lowes Store Account
Radio Shack Store Account
Sam's Club Store Account
Sears Store Account
TOTAL UNSECURED DEBT ON PROGRAM
Secured Debt
Creditor Name
Household Finance
TOTAL SECURED DEBT
Client No: 21009
Counselor: Karen Hernandez
Universal Debt Reduction, LLC
Number Current'( M.', Monthly
Balance Late1 Paymen
ltR9ROR72 6,4331 4'i 16(
116002549473
711715161182996 3,610 2
111305544 3141 3
4121741748187544 5101 0
7 52 3400170180551 3,686 31 901
X 4226610457208292 9 6l5
- 3 2401
1 5424100124115996 901 3I 30
1
4418118'070582943 5,632, 4 140
14428024501874081 8,438 4' 210
14386412600201902 9,1451 4 240
4246152014294800 8,2181 4 205
5544530303071649 3,340 4 90
5174600000611 1,263, 3 50
--
82220390857983 --
1,844
3?
40
10007 738131221051 ? 670 2 25
7711354609489 1,667'1 2I 50
----
n55R952543012
--
1 007 3'I 25
Type (Account Number
TOTAL DEBT NOT ON PROGRAM (K +
41. DEBT OF ALL DEBT (J + K + L)
Notes:
Current M. 11 Monthly
Balancei Late Pa ment
'
108,042' 1,021
0
108,042 (L)I_-1,0211,
108,0421 (E)?- 1,0211
g (C)1 3,516,
The undersigned hereby declare(s) that the above is a full and accurate list of all creditors as of the date of this signing.
Signed: Michael Garman Date Signed:
Date
A ency Retainer and Fee Agreement Client No: 21009
Applicant: Michael Garman Counselor: Karen Hernandez
Co-Applicant: Universal Debt Reduction, LLC
1) PARTIES: This Agreement is entered into by and between Michael Garman of 112 Petersburg Road Carlisle
PA 17013 (herein known as CLIENT) and Universal Debt Reduction, LLC and Nationwide Asset Services,
Inc. (herein known as AGENCY).
2) SET-UP FEE: Client agrees to pay a set-up fee of $299 either by automatic bank draft or by enclosing payment
in this package.
3) SCHEDULED MONTHLY PAYMENTS: Regular monthly payments will begin on 5/15/2002, in the amount
of $1060 per month, and will be paid on the 15 day of each month for an estimated period of 60 months.
Except for the setup fee of $299, unless prior arrangements have been made for an exception, all payments will
be made by means of an electronic bank draft. Because each account is negotiated separately, it may be more or
less time than the estimated number of months before all debts have been settled.
4) RETAINER FEE: Client agrees that the first three scheduled monthly payments will be paid as a retainer fee to
the Agency and understands that each payment thereafter will be deposited into a bank account for the purpose
of settling the Client's debts.
5) NEGOTIATED SETTLEMENT FEES: Client agrees to pay a settlement fee of 25% of the savings on each
settlement. This fee will be deducted from the Client's bank account balance (See item 14) upon settlement with
each creditor and is included in the regular monthly payments.
The savings on each creditor claim shall be defined as the gross savings realized by the Client and calculated
by deducting the negotiated settlement from the confirmed debt.
i.e. Confirmed Debt $ 1,000.00 Fee Calculation: $700 X 25%= $175
Settlement $ 300.00 Total Settlement: $300 + 175 = $475
Savings $ 700.00 (Client Saved 521/6 of the confirmed debt)
In this example $475 will be deducted from the Client's bank account, with a $300 settlement paid the Creditor
and a $175 fee to the agency. The Client realized a net savings of $525 Do his confirmed debt of $1,000.
6) If the Set-Up fee and Agency Fees are not paid as agreed upon, Agency has the right to cancel its services to
the client without notice and no refund will be due to the client.
7) Agency has the right to cancel its services to the client if client directly or indirectly transact negotiations and
settlements with the creditors without the permission of the Agency.
S) Upon settlement with a client's creditor, agency is under no obligation to pay the creditor funds contained in the
client's account prior to payment of agency's fees as earned through paragraph 5.
9) If a settlement with the creditor has been reached, consummated by either the Agency or the client, Agency fees
are fully earned, due, and owing.
10) Client authorizes Agency and affiliates to order a consumer credit report and verify all his/hers credit
information.
11) CANCELLATION FEES - The Agency is authorized to receive a cancellation fee of $250 if the Client
terminates the program before completion. The Client must notify the Agency in writing of such
termination in order for the Client to receive any refund of his/hers individual account balance. The Set-
up and retainer fees are non-refundable except as referenced in paragraph 12.
12) REFUND POLICY - A portion ($249) of the $299 Set-up fee is refundable if this application is not
accepted by the Agency or is cancelled in writing by the Client within ten (10) business days from the
"deliver by" date recorded on the FedEx envelope in which this document was received. A charge of $50
of the Set-up fee is a non-refundable document processing fee.
InihaU ate initial/Date
Agreement Continued
Applicant: Michael Garman
Co-Applicant:
Client No: 21009
Counselor: Karen Hernandez
Universal Debt Reduction, LLC
13) GUARANTEE: Agency guarantees that Client shall not pay more to his/her creditors through Agency efforts
than the total obligations currently owed by Client. Client hereby agrees and acknowledges that this guarantee
will be null and void and have no effect if Client either by intent or negligence fails to identify all of his/her
Creditors and related information as of the date of signature on the form entitled "Creditor's List" or fails to
adhere to his/her obligations described in this Retainer and Fee Agreement.
14) BANK ACCOUNT: After the Set-up and Retainer Fees are fully paid, an. FDIC insured bank account will be
established at a major financial institution into which the regular monthly payments will be deposited. Client
may make additional payments to this account to increase funds available: for settlement with his/her creditors.
Monies available in the bank account will be used for settlement with creditors and payment of negotiation fees.
15) CREDITOR NEGOTIATION AND SETTLEMENT: Client understands and agrees that Nationwide Asset
Services, Inc., of Sacramento, CA, will manage all funds according to the terms of this agreement. Client also
understands that Nationwide, at its discretion, may do the negotiating on client's accounts, or may elect to pay a
professional contract negotiation company to conduct the negotiations if, in the opinion of Nationwide, it is in
the client's best interest to do so.
16) NSF CHECK POLICY: If Client's check/draft is dishonored or returned for any reason he/she expressly
authorizes Agency to electronically debit his/her account for the amount of the check plus a processing fee not
to exceed the state maximum legal limit.
17) No Legal service or counsel will be provided by the Agency. If Legal counsel is necessary to effect,
facilitate or conclude the negotiations, the Client understands and agrees that the selection of Legal
Counsel and payment of the Legal fees is solely the responsibility of the Client.
18) If the Agency fails to object to, or to take affirmative action with the respect to any conduct of the Client that is
in violation of the terms of this agreement, such failure shall not be construed as waiver of the Agency's right to
take action for past or future violations by the Client, and the Agency may exercise any rights herein granted
including the right to terminate this agreement.
19) Counselors have no authority to alter, modify or change any portion of this Agreement, verbally or in writing.
No representations are made and there is no guarantee or warranty written or implied that any mediation or
negotiation by the Agency or its agents will succeed or produce any specific desired result except the guarantee
as stated in paragraph 13 above.
20) ENTIRETY, GOVERNING LAW and VENUE: This agreement, the accompanying forms, documents on
Authorization and Disclosure constitute the complete Agreement between the signing parties, which will
become valid only upon the date of acceptance and approval by the Agency or its duly authorized agents and
supersedes any agreement oral or written that may have been made before the effective date. This Agreement
shall be construed under the laws of the State of California and venue for its enforcement shall be in a court of
proper jurisdiction in the County of Sacramento, California.
Signed Michael Garman
Date Signed
Date
Agency Use Only:
Approved By:
Date:
Power-of-Attorney
I/We Michael Garman, as PRINCIPAL(S) have the right, and as such hereby appoint Universal
Debt Reduction, LLC and Nationwide Asset Services, Inc. and/or its affiliates hereinafter
known collectively as Attorney-in-Fact under the terms of this Limited Power-of-Attorney with
full power and authority to perform each and every act which may be necessary or convenient in
connection with the negotiation and settlement of creditors claims, as fully, and for all intents
and purposes as I/We might or could do if personally present, hereby ratifying and confirming
all that my/our said Attorney-in-Fact shall lawfully do or cause to be done:
IN NEGOTIATING THE SETTLEMENT OF ANY OR ALL CREDITOR CLAIMS
NOTICE:
A. According to California Civil Code Section 1788 et seq. Robbins-Rosenthal Fair Debt
Collection Practices Act, I/We hereby authorize all future communication(s) from any
creditors, collection agencies, attorneys, credit bureaus or other third party to be
directed to the Attomey-in-Fact mentioned above.
B. According to California Civil Code Section 1788 et seq. Robbins-Rosenthal Fair Debt
Collection Practices Act, any creditor, collection agency, attorney, credit bureau or
other third party, the recipient of an original, photocopy or facsimile of this document
is specifically instructed not to communicate with me/us at my/our place of residence,
employment or business by any media unless my/our Attorney-in-Fact named above
consents in writing to such communication.
C. This limited Power of Attorney is effective upon signing by principal(s) and authorizes
and specifically instructs the recipient hereof to disclose to my/our Attorney-in-Fact as
they would disclose to me/us any and all information relating to my/our accounts,
including but not limited to releasing personal, confidential financial information.
D. The recipient of this notice, whether original, photocopy or facsimile, is instructed to
contact my/our Attomey-in-Fact in the following ways:
a. By telephone: (916) 569-1950
b. By facsimile: (916) 569-1958
c. By mail: Nationwide Asset Services, Inc.
4229 Northgate Blvd., Suite 1
Sacramento, CA 95834
Executed this day of
2002.
Principal - Signature
Witness - Signature Required
Principal - Signature
Witness -- Signature Required
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SHERIFF'S RETURN - REGULAR
CASE NO: 2003-04048 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BANK OF AMERICA N A (USA)
VS
GARMAN MICHAEL L
GERALD WORTHINGTON
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
GARMAN MICHAEL L
the
DEFENDANT , at 1615:00 HOURS, on the 20th day of Auqust 2003
at 112 PETERSBURG ROAD
CARLISLE, PA 17013-3132 by handing to
THELMA GARMAN, AUNT OF DEFENDANT
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 18.00
Service 3.45
Affidavit .00
Surcharge 10.00
.00
31.45
Sworn and Subscribed to before
me this 17'V day of
u aX ?.op A.D.
Q. /VlwYO/.? a9pAy°
Prothonotary
So Answers:
R. Thomas Kline
08/21/2003
BURTON NEIL & ASSOC.
By:
--4j9l?a 41
Deputy S iff
BURTON NEIL & ASSOCIATES, P.C.
Burton Neil, Esquire, Id. no. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
BANK OF AMERICA N.A.(USA)
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
V.
NO. 03-4048 CIVIL
MICHAEL L. GARMAN
Defendant
CIVIL ACTION - LAW
Motion of Plaintiff for Partial Judgment on the Pleadings
Now comes plaintiff by its undersigned attorneys, and moves this Honorable Court
pursuant to Rule 1034 of the Pennsylvania Rules of Civil Procedure, for judgment on the
pleadings and in support thereof states:
1. Plaintiff filed a complaint against defendant for the credit card account balance due it.
2. Defendant filed an answer to the complaint admitting liability for part of the relief
claimed by plaintiff.
3. The pleadings are closed.
4. Based on the admissions in defendant's answer, plaintiff is entitled to judgment
thereon as a matter of law.
Wherefore, plaintiff moves this Honorable Court f ' dgment on the pleadings.
BURT NEIL & ASSOCIATES, P.C.
Burton Nei, Esquire
Attorney for Bank of America N.A. (USA)
In making this communication, we advise our firm is a debt collector.
BURTON NEIL & ASSOCIATES, P.C.
Burton Neil, Esquire, Id. no. 11348
1060 Andrew Dr., Suite 170
610-696-2120
Attorney for Plaintiff
BANK OF AMERICA N.A.(USA) : IN THE COURT OF COMMON PLEAS
Plaintiff
CUMBERLAND COUNTY, PENNSYLVANIA
V.
NO. 03-4048 CIVIL
MICHAEL L. GARMAN
Defendant : CIVIL ACTION - LAW
Certificate of Service
Burton Neil, Esquire, being duly sworn according to law, deposes and says that he is attorney for plaintiff
Citibank (South Dakota) N.A. and that he served a true and correct copy of plaintiff's Motion for
Judgment on the Pleadings and proposed Order on defendant by first class U.S. Mail, postage prepaid on
JuncV, 2004 in accordance with Pa.R.C.P. 405 on the date set forth below.
BURTON)(EIL & ASSOCIATES, P.C.
8`urton Neil,
Attorney for
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rlo
BURTON NEIL & ASSOCIATES, P.C.
Burton Neil, Esquire, Id. no. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
BANK OF AMERICA N.A.(USA)
Plaintiff
V.
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-4048 CIVIL
MICHAEL L. GARMAN
Defendant
CIVIL ACTION - LAW
Motion of Plaintiff for Partial Judgment on the Pleadings
Now comes plaintiff by its undersigned attorneys, and moves this Honorable Court
pursuant to Rule 1034 of the Pennsylvania Rules of Civil Procedure, for judgment on the
pleadings and in support thereof states:
1. Plaintiff filed a complaint against defendant for the credit card account balance due it.
2. Defendant filed an answer to the complaint admitting liability for part of the relief
claimed by plaintiff.
3. The pleadings are closed.
4. Based on the admissions in defendant's answer, plaintiff is entitled to judgment
thereon as a matter of law.
Wherefore, plaintiff moves this Honorable Court for judgment on the pleadings.
& ASSOCIATES, P.C.
for Plaintiff
In making this communication, we advise our firm is a debt collector.
BURTON NEIL & ASSOCIATES, P.C.
Burton Neil, Esquire, Id. no. 11348
1060 Andrew Dr., Suite 170
610-696-2120
Attorney for Plaintiff
BANK OF AMERICA N.A.(USA)
Plaintiff
V.
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-4048 CIVIL
MICHAEL L. GARMAN
Defendant
CIVIL ACTION - LAW
Certificate of Service
Burton Neil, Esquire, being duly sworn according to law, deposes and says that he is attorney for
plaintiff Bank of America, N.A. (USA), that he served a true and correct copy of plaintiff's
Motion for Judgment on the Pleadings, supporting Memorandum of Law, Proposed Order and
Request to Submit on Briefs Only on defendant by first class U.S. Mail, postage prepaid on the
date set forth below.
Dated:
In making this communication, we advise our firm is a debt collector.
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BURTON NEIL & ASSOCIATES, P.C.
Burton Neil, Esquire, Id. no. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
PRAECIPE FOR LISTING CASE FOR ARGUMENT
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Please list the within matter for the next Argument Court.
BANK OF AMERICA N.A.(USA)
Plaintiff
V.
MICHAEL L. GARMAN
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-4048 CIVIL
CIVIL ACTION - LAW
Defendant
No. 4048 Civil Action-Law
1. Matter to be argued: Plaintiff s Motion for Judgment on the Pleadings
2. Identify counsel who will argue case:
(a) Plaintiff
BURTON NEIL & ASSOCIATES, P.C.
Burton Neil, Esquire ID# 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
(b) Defendant
Michael Garman,pro se
112 Petersburg Road
Carlisle, PA 17013-3132
2003
3. I will notify all parties in writing within two days that this case has been listed for argument.
4. Argument Court Date:
Attorney for Plaintiff
BURTON NEIL & ASSOCIATES, P.C.
Burton Neil, Esquire, Id. no. 11348
1060 Andrew Dr., Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
BANK OF AMERICA N.A.(USA) IN THE COURT OF COMMON PLEAS
Plaintiff
V.
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-4048 CIVIL
MICHAEL L. GARMAN
Defendant : CIVIL ACTION - LAW
Certificate of Service
Burton Neil, Esquire, being duly sworn according to law, deposes and says that he is attorney for plaintiff
Bank of America, N.A. (USA), that he served a true and correct copy of plaintiff's Praecipe for
Argument on defendant by first class U.S. Mail, postageprgpaid on the date set forth below.
Dated: I4tat(
In making this communication, we advise our firm is a debt collector.
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BURTON NEIL & ASSOCIATES. P.C.
Burton Neil, Esquire
Identification No: 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-692-2120
Attorney for Plaintiff
CITIBANK (SOUTH DAKOTA) N.A.,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
MICHAEL L GARMAN
No. 03-4048 CIVIL
Defendant : CIVIL ACTION - LAW
Certificate of Service
Burton Neil, Esquire, being duly sworn according to law, deposes and says that he is
attorney for plaintiff Citibank (South Dakota) N.A., that he served a true and correct copy of the
Argument Notification on defendant, Michael L Garman, by first class mail, postage pre-paid on
the date set forth below. -1
Dated: , J
Neil, Esquire
In making this communication, we advise that this office is a debt collector.
OFFICE OF PEb7TH -VTAln
Cwberliwd County
Carlisle, PA 17013 Q y?
Date: k
TO:
T4QS IS TO NOTIFY YOU THAT CASE NO. ?GO3 d0 tt?1?
HAS SEEN USTED FOR ARaWt4T 210-14
Court Rules 210-1 throuc
0xnberland County Argenent If the issue was listed gale for Prior
;20-11.
shall be strictlV enforced.
r brief as per LOCal
argument You must re-file Y01
ro
1
BURTON NEIL & ASSOCIATES, P.C.
Burton Neil, Esquire
Identification No: 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-692-2120
Attorney for Plaintiff
CITIBANK (SOUTH DAKOTA) N.A.,
Plaintiff
IN THE COURT OF COMMON PLEAS
v.
MICHAEL L GARMAN
CUMBERLAND COUNTY, PENNSYLVANIA
No. 03-4048 CIVIL
Defendant : CIVIL ACTION - LAW
Certificate of Service
Burton Neil, Esquire, being duly sworn according to law, deposes and says that he is
attorney for plaintiff Citibank (South Dakota) N.A., that he served a true and correct copy of the
Argument Notification on defendant, Michael L Garman, by first class mail, postage pre-paid on
the date set forth below.
Dated:
Burton Neil, Esquire
In making this communication, we advise that this office is a debt collector.
ODPW
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BANK OF AMERICA N.A. (USA),
Plaintiff
VS.
MICHAEL L. GARMAN,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
03-4048 CIVIL
IN RE: MOTION FOR PARTIAL JUDGMENT ON THE PLEADINGS
BEFORE HESS, J.
ORDER
AND NOW, this C ? day of September, 2004, the court being satisfied that it is
not clear from the pleadings that the defendant has admitted liability for any specific sum nor
for attorney's fees, the motion of the plaintiff for partial judgment on the pleadings is
DENIED.
BY THE COURT,
,/Burton Neil, Esquire
For the Plaintiff
.Xichael L. Garman, Pro Se
Defendant
Ain
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io
BURTON NEIL & ASSOCIATES, P.C.
Jay H. Pressman, Esquire ID #38800
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
BANK OF AMERICA, N.A. (USA)
Plaintiff
V.
MICHAEL L. GARMAN
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-4048 CIVIL
CIVIL ACTION - LAW
Plaintiffs Motion for Summary Judgment
Plaintiff, Bank of America, N.A. (USA), by its counsel, Burton Neil & Associates, P.C.,
moves under Pa R.C.P. 1035.2 for summary judgment against defendant Michael L. Garman in
the sum of $10,755.52 for the following reasons:
1. The pleadings, which consist of the complaint and answer, are closed.
2. Plaintiff filed a motion for judgment on the pleadings which was denied.
3. Plaintiff served defendant with requests for admission to which there was no answer. A
copy of the requests for admission along with proof of mailing are attached hereto as Exhibit A.
4. The record discloses that there are not any material facts at issue. As such, plaintiff is
entitled to summary judgment as a matter of law.
Wherefore, plaintiff Bank of America, N.A. (USA) moves the Court enter summary
judgment pursuant to Pa R.C.P. 1035.2 for it and against defendant Michael L. Garman in the
sum of $10,755.52 plus the costs of this action.
BURTON NEIL & ASSOCIATES, P.C.
By:
Jay . P essman, Esquire
Attokigy for Plaintiff
In making this communication, Burton Neil & Associates, P.C. advises it is a debt collector.
Sa9q I
r
BURTON NEIL & ASSOCIATES, P.C.
By: Jay H. Pressman, Esquire
Identification No. 38800
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
BANK OF AMERICA, N.A. (USA)
Plaintiff
V.
MICHAEL L. GARMAN
Defendant
: IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-4048 Civil
CIVIL ACTION - LAW
PLAINTIFF'S FIRST SET OF REQUESTS FOR ADMISSION TO DEFENDANT
To: Michael L. Garman, Defendant
112 Petersburg Road
Carlisle, PA 17013-3132
Plaintiff, by its undersigned attorney, hereby serves the within Request for Admissions
upon defendant pursuant to Pa.R.C.P. No. 4014. Each matter set forth hereinafter shall be
deemed admitted unless you serve an answer or objection upon counsel for plaintiff within thirty
(30) days of the date of service hereof. You are requested to admit the following:
1. With reference to the monthly billing statements for defendant's credit card account
with plaintiff copies of which are attached hereto as requests for admissions Exhibits I through
33:
a. Defendant admits that the detail set forth in each monthly billing statement
accurately reflected for the monthly billing period defendant's use of the account
and accurately reflected all charges and credits to the account.
EXHIBIT._J.
V
b. Within 60 days after defendant's receipt of each monthly billing statement
defendant admits that no writing or other communication disputing, protesting or
objecting to any of charges or credits appearing in the monthly billing statements
was sent by defendant to plaintiff.
c. Defendant admits that with respect to each monthly billing statement, a written
billing error notice was not sent to plaintiff.
2. Defendant admits that after receipt of the monthly billing statements marked Exhibits
1 through 33 defendant did not send a payment to plaintiff.
3. With reference to Defendant "Reply to Complaint" which was filed with the court:
a. Defendant admits that he attached a document entitled "Creditor's List, Page 1
of V (hereafter List) to said "Reply";
b. Defendant admits that the Creditor's List includes Bank of America account
number 4024116002549473 with a current balance of $9,376.00
c. Defendant admits that no payments have been made after the Creditor's List
was created to reduce the Bank of America account number 4024116002549473
balance of $9,376.00;
e
4. Defendant admits that the past due amount on the monthly billing statement dated
January 28, 2003 is $10,566.35.
5. Defendant admits that he owes plaintiff attorneys fees in the amount of $2,151.10.
6. Defendant admits that he owes plaintiff the total sum of $12,717.45.
7. Defendant has no facts to support his denials of plaintiff's complaint.
8. Defendant has no letters, writings, documents, contracts, cancelled checks, cash or
money order receipts, or papers of any other kind to support his denials of the plaintiff's
complaint.
BURTON NEIL & ASSOCIATES, P.C.
By:
Jay H. Pressman, Esquire
Attorney for Plaintiff
In making this communication, we advise that this office is a debt collector.
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r
Verification
I, Michael L. Garman, defendant in the within action, hereby verify that the statements of
fact made in the foregoing Requests for Admission are true and correct to the best of the
undersigned my knowledge and belief. The undersigned understands that the statements made
herein are subject to the penalties of 18 Pa. C.S. Section 4404, relating to unworn falsification
to authorities.
Date:
Michael L. Garman
0034024118002sWr020020521
BaskotAmeria AVI,
0009500 0068094 0936060 4024116002549473
111,LJ, Idle,L.,I,.hL.IL,,rI1,r14r,LINII,,,id,L,l1
BANK OF AMERICA
P.O. BOX 53132
PHOENIX AZ 85072-3132
I,.,Ill,..111,,,„.II„Ilr„1{.,„lirrll„.I.I„rlirrl,trll,.1
112 PPETLERSBURB RO
CARLISLE PA 17013-3132
Payment Coupon
ACCOUnt Nutnbtar 4024 1160 0254 9473
M&WOM-RAMN5 ,. :t :• ; ,
4r,
Past Due Amount $ 475.00
Total Minimum Payment Due 3880.94
Amount Enclosed
$
Make chxk w money adw
payable to Banc of America.
MICHAEL L GARMAN
Account Number: 40241160 0254 9473
Your Bank of America Visa Account
Transactions
POST. TRVM PER DESCRIPTION AMOUNT
DATE DATE NO. OR-CREDIT
MAY IT MAY 17 LATE PAYMENT FEE 621140
MAY v NAY 21 PERIDOE FINANCE CHARGE s 1{628
Amount Summ
Previous Balance $ 9,166.32
Purchases + $0.00
Cash Advanees + $ 0.00
Other Dwts + $ 29.00
Credits $ 0.00
FINANCE CHARGE + $ 145.28
Payments $ 0.00
New Balance . $ 9,360.60
Finance Charge Summary
Conespanding Daily Periodic Average Daity Minimum (M)!
APR Raa(OPR) Belanoe(ADS) Periodic (P) Charge
Purchases 19.74% 0.05409%v $ 7,623,78 $ 119.59P
Cash 19.74Y. 0.06409Y.v $ 1,637.47 $25.69P
ANNUAL PERCENTAGE RATE 19,74% "Variable
Py Idl
BwAstameria 4f1?
Customer Comer
THIS BILLING STATEMENT
WAS PRODUCED TO PROVIDE
YOU WITH IMPORTANT
INFORMATION ABOUT THE
BANKOFAMERICA PRIVACY
POLICY. PLEASE REVIEW THE
BROCHURE ENCLOSED IN
YOUR MAILED STATEMENT.
THIS IS YOUR NEWLY
DESIGNED BANKOFAMERICA
CREDIT CARD STATEMENT.
NOW, ITS EASIER THAN EVER
TO REAO YOUR MONTHLY
STATEMENT. TAKE A LOOKI
EXHIBIT- I
TN,w an .Metradc r,p,.dunbn d 4w ign.'d. d yourna,ryisnt W dw, net eemaln ?h. dscbswv a6kh rnw m.6r on,M nr+si,sd?d.d?micerginp,m.nwnt.
24-Hour Customer Service 1.800-732.9194 Pay ordlnel Visit
For Lost or Stolen Cards 1.800.948.9090 www.bankofamertca.com
BalikolAmaka+
0004500 0079391 0945287 4024116002549473
linlnrlirirudminieinrif ulrrnriNliflldrmirlfruri
BANK OF AMERICA
P.O. BOX 53132
PHOENIX A2 85072-3132
IIf lriil f al in 1Uaalilaplal lifatliil ti I f11lal IOII I I I I lIl lp i
1112NPETERSBBURG RD
CARLISLE PA 17013-3132
MICHAEL L GARMAN
Account Number: 40241160 0254 9473
Your Bank of America Visa Account
Transactions
PWT. TMNa REF. o0cWMN AMOUNT
OATS DATE NO. ta1.CRE01T
Account Summa
Previous 8aiar" S 9,380.60
Purchases + $0.00
Cash Advances + $ 0.00
Odor Debits + $ 29,00
Credits $ 0.00
FINANCE CHARGE + $ 168.27
pay"nts $26.00
Now Salarm S9,452.07
AAPR?? Daily Podock DPR) ABalm w(AD) Periodic (P) Charge
Purchases 19.74% 0.05409%v $ 7,774.32 $ 130.36P
Cash 19.74% 0.05409%v $1,664.25 $27,91P
ANNUAL PERCENTAGE RATE 19.74% "Vedable
Amotmt Enclosed
Mdse Mack or money order
payable io Rank of America
Pape 1 .11
BaNtolAmark s
EXHIBIT
Payrrro Coupon
AccountNumber 4024116002649473
. ey-}v:C.s>v,5 a _<FR3?:F?9f
_i3t:
Pest Due Amount 8686.94
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?;TAR!::?4s':>
Total Mlninum Payment Due $ 793.91
Th'eIf.w.Newanic aar.datim der Nont.N.d MW11Mmw2.IN der WMVWYrhodibr amnhkhe awinewdam.wna.iaad ym..dpfldaNrnew.
24-Hour Cushomw Service 1.800.732.9194 Pay onlinel Nab
For Lost or Sblen Cards 1.800.848.8080 www.bankokmwice.com
OOSbt1r 190a?S,M17t0020'722
BmItelAmeria 40?
0004500 0100868 0966770 4024116002549473
II.Bills .,IILr.a..U..16„IInn16,IL,,I,L"till IIIIA..I
NICNAEL ` BARMAN
112 PETERSBURG RD
CARLISLE PA 17013-3132
Amount Enclosed
S
Mate le to ar malty order
payable to Baer of America.
it„I„1,1.11,,, I.r,l„I,Ir,II,,,,11„IIr,II,Ir,tlrlll,l,lr,ll
I'M. OF AVER ?p
PHNIXXAZ31$5072-3132
PNment Calpm
AccouM Number 40241180 0254 9473
silikslawmRN 'g k! tDR-401111WK
Past Due Amount $795.99
Total Minimum Payment Due $ 1,008.89
Pon.1 d I
6a*OfAmedt;a 1W
MICHAEL L GARMAN
Account Number: 40241160 0254 9473
Your Bank of Amarlcs Visa Account
AecountS
Provbus Balance $9,452.67
Purchases + 40.00
Cash Advances + $0.00
C4ter Debits + $ 14940
Creau $0.00
FINANCE CHARGE + $180.83
Payments 4 96.00
Now Balance $9,667.70
Flnernce chorus Summary
Carrespondinp Do* Perb& Averepe Daily Minimum (M) /
APR Ra*DPR) BNance(ADB) Pededic(P)Ch"
Pwchases 19.74% 0.05409%v 57,994.93 8132.39P
Cash 19.74% 0.05409%v $1,692.39 429.38P
ANNUAL PERCENTAGE RATE 19.74% "Vantabie
EXHIBIT_ Is
Ths If- Wsnmic-Pedseon of dw tnee.lse at wYye.wea aed dose na M.I. aoIM dioloawse width wen mtle an the nwwa,am..1 /pn °It" seeeae,
24-Hour Cu tionwr Service 1.800.732.9194 Pay ontinel Visit
For Lost m Sblen Cattle 1.800.848.9090 wwwbrd,ahmerkaeora
TmnsWilons
POST. MNS. REF. OESCAVIM AMOUNT
MlE DATE NO CRdREOrT
OM40241 Ua002r4 ?39MIMI
Smakef Amain -op-
0009500 0882122 0882122 4024116002549473
IL,Ldd dL of oda LlrrUr rrdi nl lrr rLl rdL n l d r I,A I
BANK OF AMER CA
P.O. {OX 531 2
PROENIX AZ 5072-3132
iu11,QiuriiluEnulini6niiwdinlLrrLl„Jlnl ddL.I
CARLIS ERPA 17013-3132
Amount Enclosed
s
Make dwk or ffw" Order
payable b Bank of Amecim
MICHAEL L GARMAN PAR. r d2
Account Number: 40241160 0254 9473 SaNtef America
Your Sank of America Visa Account
Account Summit
Previous salaries $ 8,667.70
Purchases + 80.00
Cash Advances + 40.00
091er Debits + $29.00
Coedits $1,033.14
RNANCE CHARGE + $ 157.66
Pa
r
j $0.00
N
ow
a
a n $8,821.22
Custorner Comer
EXHIBIT
Pgrmd Caron
Account NumbOr 4024116002549473
Part Due Amount
S 1,006.68
K b "'atiSAiYftaiillir154
Total MlNmum Pe merit Due S 6,821.22
TAY Y wrYCYenk npalwaon d a,r MonU aided Yr,Y MrrAr,11 evi arr,wtvonlaYi 01r iMobuYM Mich YlNe a1a/1 on tl,r iwnnu ridrd YV V alyW W4wrn1.
24-Hour Customer Service 1.800.732,9161 Pay onrnel Vish
For Lest or Stanan Cards 1.800.818.6080 www.bankMamerles.
Ttamsactbns
POST. TRANS. REF. OESCRFWN AMOUNT
DATE DATE ND. CWFIEDrT
fledrof Amwda 4W
MICHAEL L GARMAN
Pay online today. Enroll In Online Banking al www.bankofamerica.com
24rI our customer service 1.800.732.9194
For st or stolen cards 1.800.848.6090
Paaa] d a
Conespondrq Daily Periodic
APR Ra*DPR)
Purchases 19.74% 0.06409%v
Cash 19.74% 0.06409%v
Average Dally
Balsnce(ADB) Mhdmwn (M) / Customer Comer
Periodlc(P)Charye
$ 6,001,10 J 129.64P
$1,714.16 $27.82P
ANNUAL PERCENTAGE RATE 19.74%
v-Variable
ThYhnealadhordenw? ddnhad W& d Yournaemndand dewcure pfd dhdww whjhw eladd wtha rwYrwnka d your edyind arroewd.
0009500 1005845 1005895 4024316002549473
11r dr1LLUrrdrllE?lRllIdcrdlnlrllrrl?nrllllllllnlr?llnll
PADK tOX 53132A
PHOENIX AZ 15072-3132
IudlluJEElln nr11LrIIr.dLndIu141rLLRllrll.ldlkd
112NPETERSDB BARMAN
CARLISLE PA 17013-3132
MICHAEL L CARMAN
Account Number: 4424 1160 0254 9473
Your Bank of America Visa Account
Transactions
POST. TnANS. REF. OESWTION AMOUNT
DATE DATE NO. CR-WEa1
AUO 22 AUB 22 WENT S1AU14
SEP 27 SEP9 PeRmc FWANCE C"WOF S24-W
Account Summa
Previous Balance $8,821.22
Purchases ` $0.00
Cash Advances + 80.00
Other Debss + $1,033.14
Credit - 80.00
RNANCE CHARGE « $204.50
Paynwnts - $0.00
New Balance $10,068.95
Finance Char98 Sta1Y11arY
Corresponding Daily P PHk no) ftO Baenoe(ADR PeriMr*mrn (M)
odic (P) Charge
Purchases 19.74% 0.06409%v 86,994.26 S 172.541'
Cash 19.74% 0.05409%v $1.659.33 S 32.0513
ANNUAL PERCENTAGE RATE 19.74% v-Variable
AmountEndosed
Mass ehack or monay order
payable to Bark of America.
Pay. 1011
Btlaknf Alnorice-W
Customer Comer
EXHIBIT
BankolAmerk e
Pwyrnwa Coupon
Account Number 10241`100 0254. 9473
Pest Due Amount$8,821.22
ft WON Asii:01. I V w w.
Toted Minimum Paynne nt Due S 10,068.95
Thar 4 w 4WOWnb a0lad i- d the rrad01d. Of yew wU*, 1l dew nOkooMY." eneb .Noh rev,. mad. an 111 "0101.dy llgkl rlrr.mrm.
24-Hoar Customer Service 1.800132.9194 Pay onlinel Visit
For Lost or Solon Care 1.800.11".6090 wwwbadratemelbe.com
00SAWA118DD164N73A0IM 86ak6fAMfkm+
0004500 1022347 1022347 4024116002544473
16,IrrL611reJRJ.,LG,II,ro1641rr,Id,46„1,1.641
BANK OF AMERICA
PHOENIXXAZ3195072-3132
Ir, 41Lr,116rr,r4L46rdl„M46.II,,,LIa))llol4,164
MICHAEL L BARMAN
112 PETERSBURG RD
CARLISLE PA 17013-3132
MICHAEL L CARMAN
Account Number: 40241160 0254 9473
Your Bank of America Visa Account
Payment Coupon
Account Number 40241160 0254 9473
Pest Due Amount S 10,058.95
Total Minimum Payment Due $ 70=.47
Amount Enclosed
Make chwk or money otder
M" m Berk of America
PW tof I
Batke(Ams**
Customer Corner
IMPORTANT NOTICE: AS OF
10/1/02 COMMON CARRIER
IS
TEN BY NATIONAL
INS. CO OF
1. PA, UNDER
666.00VERAGE
Transactions
POST. T7LWS. FIEF. 0E3C Vq%)N AMOUNT
DATE DATE NO. OR.CMEDIT
OCT aT oor Pa P13OM FWMCE CRAFICE flet.eY
Account Summa
PreWous Balance $10,05S.95
Purchases + $0,00
Cash Advances + $ 0.00
Other Debits + $0.00
Craft - $000
FINANCE CHARGE + $164.52
Payments - $0.00
New Balance $ 10,223.47
Finance Charoe Summary
Comospondlnp Daly Partodo Average Daty MiNmutn (M) l
APR Rata(DPR) Balence(ADB) Pariodic (P) Charge
Purchases 19.74% 0.05409%v $8,649.97 813334P
Cash 19.74% 0,0540Wv $1.688.26 S 25.78P
ANNUAL PERCENTAGE RATE 1914% v-Varlablo
CHANGES WILL BE MAILED IN
FEB. 2004. TO OBTAIN A COPY
BEFORE THAT DATE, PLEASE
CALL 800.732.9194.
EXHIBIT to.??
Tlda
24-Hour Customer Service 1.800.732.9194 Pay onilnei Visit
For Lost or Slolsn Cards 1.80D,848.6090 wwar.bmtrofameriea.com
BeakefAntela r?
0004500 1040193 1040193 4024116002549473
111.11,111.111r 1111414411191 111 111111
OK OXAMER CA
PNO,NIX AZ 650)23132
lu1(IIrl.llluuu1111IL..IIn..ILdLr,L11.1ILrilLBnl
MICHAEL EELgBARMAN
CARLISLEIAURS170Dp
13-3132
MICHAEL L GARMAN
Account Number; 40241160 0254 9473
Your Bank of America Visa Account
Traa6ac0orl6 Vkav rant trs+eac9ona end trv your b6f a4r1e of vrww benlaofanwkac?m
POST. TMWI W. LfSCRIPTM ANAWNT
DATE DATE No. OR.I7EIXT
NOVW NWW PEP40M FWA02"FOE 7178.46
Stmam
Previous BWWM 610,223.47
Purchases + 60.00
Cash Advances + $0.00
Mar Oebpa + $0.00
Credo - 60.00
FINANCE CHARGE + $17&46
Paymanb - $0.00
New Balanoe 610,401.93
Finance Charoo SumtnarV
C.ortwspori ft D* Periods: Average Dally Millman (M)
APR RMKIWFO BWmwa(ADB) Psdo* (P) OMS
Purcharos 10.74% 0.054ODAv 88,894A2 8150.50P
Coati 10.74% 0.05409%v $1,615.12 627.96P
ANNUAL PERCENTAGE RATE 19.74% V-Vad"
Amwxd Enclosed
$
k%W 1 - ' ormom/alum
payabra to Balk W AMW(ca.
Baakel tlte?lea
IMPORTANT NOTICE: AS OF
10tI102 COMMON CARRIER
TRAVELACCIDENT
INSURANCE IS
UNDERWRITTEN BY NATIONAL
UNION FIRE INS. CO OF
A CONDITIONS STATING ANY
CHANGES WILL BE MAILED IN
FEB. 2009. TO OBTAIN A COPY
BEFORE THAT DATE, PLEASE
CALL 6001329194.
EXHIBIT
24-HourCuabreArSwvloa 1.600.732.9104 PaywAmlVMS
For Lost or SWen Cards 1.600.946.6090 vaarts .baMrolamawkso o m
00310t411E0025104723@122t dankefftwiea 41$li-
0009500 1056635 105663S 4024116092549473
II„t„I,I.II,,.I„rlr,I.Ir,ll,,..11.,11,.,1.11,1{,.,I,Irf,.ll
P?NK OF IICA
PHOENIXX 85072-3132
pwMem Coupon
Aaaount Number 40141160 6254 9473
es
S 10,101.93
Put Dus Amount
Total Minimum Parnard Due S 10 568.96
ML,,IIHL.A,DUI,,,,,dP1.p11R1...16...I1.dL,Jd?„16?Lt,H„I
112 PETEReURB RD
CARLISLE A 17013-3132
MICHAEL L GARMAN
Account Number: 40241180 0254 9473
Your Bank of America Visa Account
TgrMICtblle Vlewrecsnttrwaso6rwandDayymebDor"al www.barllotwmrkscm.
Poet. TiUn3, rEF. CE"Frwi AMOW
DATE DUE NO. CPPGMDFT
DEC 27 DEC 27 PEnk)CIC FINANCE CHAnOE 414142
Account sulHme
Provbus Saenee $10,401.93
Purchases + $0.00
Cirrll Advan ss + $ 0.00
COW Debb + $0,00
Cram: $ 0.00
FINANCE CHARGE + 6164.42
Psymorm ' - $0.00
New Balanoe - $ 10,506.35
Finance Charge 3umm!g
CorresPon inp Dally Prlodo Avraee Only Minimum (M)1
APR R**DPR) BWwioe(ADS) Prb* (P) Cbrpe
PurNwgs 10.74% 0.05109%v 116,639.12 6138.66P
Cash 19.74% 0.05408%v $1,641.96 S25.76P
ANNUAL PERCENTAGE RATE 19.74% v-Vartabk
Amount Enclosed
$(1 .
Maas ehxk a many order
peyeble to Berk of Mndse.
IMPORTANT NOTICE: AS OF
10!1102 COMMON CARRIER
TRAVEL ACCIDENT
INSURANCE IS
UNDERWRITTEN BY NATIONAL
UNION FIRE INS. CO OF
PITTSBURGH. PA., UNDER
POLICY 9026666. COVERAGE
IS SUBJECT TO POLICY
LIMITATIM. REVISED TERMS
S CONDITIONS STATING ANY
CHANGES WILL BE MAILED IN
FEB. 2W3. TO OBTAIN A COPY
BEFORE THAT DATE. PLEASE
CALLS001329194.
EXHIBIT
Ti'en41ebwk r.poduAM Of hFON,N, d,owWlslwda Mm+.'v.r.a..,,...?I''...a. ,,..w..w_.:.........,.,.:. ?...r?
24410 ur Customer Service 1.500.732.9194 Pay oNkwl VMh
For Lost or Stolen Cards 1.S00.84S.W90 wwr.6ankwlamertaausow
9a11ozr„>,?
0004500 1074042 1074042 4024116002549473
Il,rlrr1,1o.1p6rrLr.lyddr.ll,.edlydl..,LL.IL,dd.lr.l!
SANpNK.. 10 AMERICA
PHOENIXXAZ3185072-3132
I11r.I?1.(116??A.pp.IILTL.....IL.IIudlmdL.11rr6hrdlr,6Lllrrl
CARLIE lks une R33-3332
MICHAEL L GARMAN
Account Number: 40241180 0254 9473
Your Bank of Antenna Ww Account
Tn ISWOOnS View mm bd mine
POST. 70.4X8. W. O 9wWrON A40UW
GATE DATE No. CipCFEW
Awns Udn POODIC FWAM CHAFM S,T4A7
Previous Balenoe $10.566.35
Purchases + $0.00
Cash Advrrse + $ 0.00
Other DabBs + $ 0.00
c4wb - $0.00
FINANCE CHARGE + $174.07
Payment - S0.00
Now Balar" - $10,740-42
Ftrrrtce Chwo Sunwnary
. Cnesponing ?(D R) BAdonce(ANT Porlocl a(P M
APR Pkathasse 1824% 0.05272%v 88,961.63 $148.60P
Cash 19.24% 0.05272%v $1,688.49 S27.27P
ANNUAL PERCENTAGE RATE 1924% v-VsrhW*
Wd of Amin 401-
Amount Endosed
Malachedc m mom ardr
Payable to9rkol Amvlw.
lmkolAmerkN 4W
EXHIBIT
24416,a Customer Servlee 1.8001329194 Pay Grawl Wit
For (actor Sblan Cards 1.800.848.8090 area rdwhimor aaobm
0QMw118w2sWRBt!> 2= Baske1AmWIft4W
0009500 1041735 1091735 4024116002549473
IL,I,.6611,.d.lI1JJ1,l6.,I6,l1,,,61,116 „66111
P? Box 53131
PHOENIX AZ 8 072-3132
6.IllIaIIIL.I.IJ6A,IllAIftI d6d6.dd.Idl Id.61LJ
TI2 PETERPSUR87G13-3152
CARLISLE
MICHAEL L GARMAN
Account Nt1r Wmr: 40241180 0254 9473
Your Bank of America Visa Account
Tr11B411C110119 View mwnt tm adons and 1N,y yma bN on01w at wwwbw*4k rr ImCon
POST. TPAW REF. DESCRIPTION AMOUNT
DATE DATE NO. CR-CREDIT
FEB9S FEB n PENODIC FIMPAPM CHAIM $175.19
AcCourd 9
Pn 41OUS BW W $ 10,740.42
Puralm"s + $0.00
Cash Advances + f O.OD
o01w Debits + $0.00
C49dts - $ 0.00
FINANCE CHARGE + $176.93
Paynrnts $ 0.00
NOW B94vm9 $ 10,917.35
Gorrospwoft DWIy PwbdC Avwsas DWty MWAmum (M)!
APR Aa1s(DPFO Bdanw(ADB) Pwio& (P) Chow
Pumhasoc w.24% 0.05272%y $9,12980 814921P
Cash 1924% 0.06272%v $1,00.28 $ 27.72P
ANNUAL PERCENTAGE RATE 1924% "VWW"
BmklefAmmia 4W
EXHIBIT (Q
Y.n lent exaMeend ar Mee.{d. N.un.r.wu+. r.l Ai.....r.....:. ?w..c..i...?.?.+.:.w....?-.+...., a- ?...._ _:.._.i.?_?..??-...-••.
This
24-HowCucbma3aNlrA 1.890.732.9194 PayadnalMok
Fm Los! or Sblsn Cards 1.800.818.8099 www.bwAwftmwW4.*aw
MaketMeks
0009500 1107967 1107467 4024116002549473
111111111111111111111111111111111111/1111111111111111111111111
IIA@K =0X 53132A
PHOENIX AZ 65072-3132
11441.11111111111 IHIS1111.11111111111111111111111Iloilo 1111111111
MICHAEL L CARLISLE PA 1713-3132
MICHAEL L GARMAN
Account Number: 4M 1160 0264 9473
Your Bank of America Visa Account
Transactions view ww1t tranaaco ns and pay your b10 wArw at www.bw**femagkwwm.
POST. TAWS IS. OESCRPTIDN AMOUNT
DATE DATE NO. cr#C1E0tr
MARX MW 25 PERICOIC Flhd C ONAVE a 1.232
PMVIWA Ba411cs $ 101917.35
Purch"" + 90.00
Ceeh Advanwi; + $0.00
o81ar DeNts + $0.00
Creoles - $ 0.00
FINANCE CHARGE + 9182.32
Payments - $0.00
New Balance S 11.070.97
Flnance ChWW SummalV
Conespol&V Dolly Perb& A"We Ddy Mldrla9n (M)
APR RaM(DPR) Bdwlce(ADS) Patloft (P) * w29
Purchases 19.24% 0.05272Rv s 9.272.92 S 139.89P
Cash 19.24% 0.05zr^v S 1,722.85 S 25.43P
ANNUAL PERCENTAGE RATE 1024% V-Vad"
BaukofA"Ift
EXHIBIT A
24-Her Cuabmar Swim 1.900.732.2194 Pay O*wl Vwt
For LW ar Stolen CArde 1.900.949.8080 www.brdoepaowfoaoaw
ODUM41140015wg32069012s
9aakof ARlaria 44001-
0009500 1126220 1126220 4024116002549473
¢¢ANK OF AMERICA
PlI?NIXXAPH972-3132
I.,.IpN...EEeLTI (A.R(1.g
CARLISLPA 17013-3132
MICHAEL L GARMAN
Account Numbar: 40241160 0254 9473
Your Bank of America VI= Acoount
BmkefA0wla
r Corner
GET A CO PLAYER FOR
5 ADVANTAGE
AND DISCOUNT
TWO MONTHS FOR
O TO
ER' NOW TO CLAIM
PLAYER. YOU'LL
Tranaat:t(ooe View roosts irarwadfons and pig your bill a** at wwwbWIPWwric Wn.
Poss. TRAW REF. DE3CRPTION AMOln1T
OATS DATE NC. CR-CREDIT
APA28 APR25 PERIODIC RNANOE CNARDE s/sm
Account summa
PnWous Bawrm S 11,079.87
Pur[hssas + $ 0.00
Cash Admms t -
- $0.00
OBwr Dobss + 80A0
Croft - $0.00
FINANCE CHARGE + $182.83
Paw wrlb - $0.00
Now BaWIOO 811,262.20
Finer= Charge Summary
ConwPwldnO Daly Parb* Awrapo Daly MWN#an (M) I
APR Raw(DPR) BWwwa(ADB) Parbdo (P) C!"
Purch"" 10.24% 0.08272%v 89,418.17 8/88.WP
Cash 19.24% 0.08272%V 81,749.68 828.60P
ANNUAL PERCENTAGE RATE 10.24% V-Vwt"
EXHIBIT ?a
Thy {. M NnO,MS'f wvnANiv.J,lr Awl.:4 N
24-HOUr Cusbnwr Swvka 1.800.7329194 Pay OMbwl Waft
For Lost or Sk*n Cards 1.600.848.mw www.bwAm4 anwtca.oww
0634W15 MU72SI
.. f3BRkaf ABMIda
0009500 1144170 1144170 4024116002544473
I1a.1111dd61aL,a6/6ia111111d6dbar66,ILrJ161ar0
BANK Of AMERICA
P. ENIX XAZ31a5072-3132
?L,??.116,4111.11..11.r{lar.l{raaallrINrlal oil 1411011alr11111
CARLISLEPAU 17013-3132
MICHAEL L GARMAN
Account Number: 40241160 0.254 9473
Your Bank of America Visa Account
Tfilfi gN m Vlaw 1awM baxweam s and w your bM o1Ane at www-bwW/sswr oLe m.
pm. Imn Au DESMPT" A11010R
WE WE NO. CN.CRECs
MAY 2a MY 20 PWWCF01ANCECH4RCE 61R61
Aceoum
Plwlous Bela" S 11,29220
Purdusss + $0.00
Cash Advwteae + s 040
CN,w Delft + S MOO
Cradta - 9 0.00
FINANCE CHARGE + S 17930
Payrrwnls - 90.OD
Nall, Balanve $11,441.70
cermpwd w Daly Pwbdb Avwapa Doty Mk*nm (MA I
APR RsM(DPR) Bdwlea(ADB) Parodic (P) Clasps
Purdwaaw 19.24% OA6272%v 99,670.90 f 131.39P
Cosh 1924% 0.05272%v 91,77791 $ 28.12P
ANNUAL PERCENTAGE RATE 19.24% V.VarwAo
B" Of AWWW 44911b-
EXHIBIT S _
ThY al N WeNYe IENaY'aGr1 d tN1rMY ia.d wnd..w.ti ur1 M1r M eti.-'n Ar AML,+..A.H.,.?..?.i....l..,w...w d..??..ai...l nrr...w
24-How COSb rrwr 3wVla 1.900.732.9194 Pay o1rllnal YM
For Lod a Sblsn Cw* 1.800.949.9090 wawAudwi0her "M
ameaal„Eamslwrnmeo6a,s
AeakelAaWka `
0009500 1163019 1163019 4024116002549473
I`I0O X 6 5..f31.ri.1..II..rrIIr.Ilrrrf.lrrllrr.irlrl.Tlf
P `
PHOENIX Al 072-3132
I.TrIll.p.r?l{lug...{1..f1,?,Ilr..rll.ril.rrlrl,rrllr.l,idir.l
lMliCyHPETfLRSURB Rp
CARLISLE PA 17013-3132
MICHAEL L GARMAN
Account Number: 40241160 0254 9473
Your Bank of America Visa Account
TranUdIO s war romdtansadbne and Oaf yowbM mine et www.laokoknwrloa.com.
POST. IMNS AM oEacRpT" A,CU+T
DATE DATE NO. Cr1ORE0rr
JM 29 M es PgRWIC FW40E CH%RX 6lUAQ
Awounit SURUM
Previous Balance $ 11.441.70
Purchased; + $ 0.00
Cash Advances + $ 0.00
C1her Delft + $ 0.00
Croft - $ 0.00
FINANCE CHARGE + $188.40
payawnts - $ 0.00
Now Sabnce $11,630.19
Fl111"" CImm summery
AP "UPR) Bstr)*ADB) Pertadic (P) CNWQe
S (M
Purchases 19.240% 0.06272%v $ 9,726.91 • 166.06P
Cash 19.240% O.OS272%v $1,606.72 $ 20,53P
ANNUAL PERCENTAGE RATE 10.240% v-Vedable
AaskelAwriea4011h-
EXHIBIT
Thi L. J.e..,k ti...A?.as r....:r.a ................r.w-u..-. r rW...._,..._.?---- -w ,_.u. l--
24-Hw Ciusbmer Service 1.800.732A194 Pay onkal wail
For Lost or Sblm Cards 1.1100.618.6080 won.hanl90nowlea.om
8akofAft wke 4W
0009500 11A1555 11A1555 4024116002549473
11..I..1.1.II..,1...I.rlrirdl?.nllullM?l?lnllmlrlrtwl)
"T ?ox3i?i"
PHOEN X 8 072-3132
6,JII„dlb,?.?,11,rI1r..ILNdLdIrr?I,InrI1?LLILd
N SARNAN
CHAEEL?LEg(L
CARLISLE PAUR17013-3132
MICHAEL L GARMAN
AceountNwnber. 40241180 0254 9473
Your Bank of America Visa Account
TmnieONOne Vww rewd as ssc6om and pay yow kM onrns at wwwbankohmwMa.opm.
POST. 1nANa. fEF. OESCAP110N AMOUNT
GATE OATS N0. OR-OR Grr
A1L21 as.a PWIO=FINNCECHAFAE aimi%
Accolrrr Summa
Previous Balance $11,630.19
Purchases + $0.00
Cash Advanoss + $0.00
Omer Debits + $0.00
Cndk - $0.00
FINANCE CHARGE + S1es.36
Paynwnts - $0.00
Now Balance - S it,bts.56
Flneneo Charge Sump g
Co responft Dally PabAc Average Deft MHrnm(M)
APR Rab(OPR) Balaro*ADS) Pwk,dc(P)ChwV
Puremws 19.240% 0.05272%v $9,063.52 S 1s6 .32P
Cash 19.240% O.GW2%V $106.00 S 29.01P
ANNUAL PERCENTAGE RATE 19240% V.Vwtabls
Bmk0fkmka l000-
EXHIBIT J!
ThYY a wec" kneinrtuam a" hart" a vau.aamrrt de.rr. 1."ndav.. ....? , .? .u.. -? ..
24-Nour Cwbrrw Swvkm 1.900.732.9191 Pay or" Vick
For Lost or Sblsn Cards 1.900.919.9090 wwwbwlkofineftLem
OK4Mi1WD26W792QMNS
• • Si1kOf Aa>tfka
0009500 1200762 1200762 4024116002544473
16,hd,61h,J.,11?gLpdd?
PEN 1XXAZ 195072
PN -3132
11,1nlllupllLlloll nil,ullRnpnllnll,,,l,lu,llul,l,llnl
CA LI mslx 817013-3132
MICHAEL L GARMAN
ACCOUnt Nunbar: 402/1160 0254 9473
Your Bank of America Visa Account
TrOPS Iona 1Aan raoaMYallsaefena atldDay rar 6N a0A11a at lvwwblallaohurlalkacom.
POSE. TRAW REF. DESORPTION AMOUNT
DATE DATE NO. CR-CRF9r1
AU021 AUO2a PERMIX R1MNCE CIIAM 31126?
ACCOU
Pravi" Baknea $ 11,615.56
Purdam r 6 D.OD
Cash Advanwe + $0.00
OIMr Dab6a + *OW
CF9 is $ 0.00
FINANCE CHARGE * $192.07
Paw"k - $0.00
Now Balance $12,007.62
F(2U1 "Cnarba Summary
Comsparalnp Oafy Psllodc Avwop Dally =(W/
APR Rar(DPR) BWmm(ADS) Parbd6(P)Char9s
Pur*Nwm 16,990% 0.05203%v $10.00-65 9 161.96P
Cash 16.960% 0.05202%v i 1,665.56 f 30.09P
ANNUAL PERCENTAOF RATE 10.99D% v-Vark O
9ako#A wka44*
EXHIBIT &
24-Hour CinOmw 0wlcs 1,$W.732A794 Pay Onfrrl VIA
Far Lm orSMmCards 1.11DO,646AM VA"A,nkahaasrkasom
•. OK?IItBOD131W7Y0000078
OwAsfAmeriq'
0004500 1220282 1220282 4024116002549473
ILIINIJdINdNdNR11,LdIN.111111111111Ld11N111118111
PM.IK OF Al51E3RI2
. BOX PHOENIX AZ $5072-3132
I11,I1?IIINpp,IIIa11,11111/111,1pp11NN?(11y11111111111111111111/1111111
,If LIS ER3?1701 3-31 32
MICHAEL L GARMAN
Account Number: 40241160 0254 9473
Your Bank of America Vise Account
TAW"8010ns Vla w rownt bwmmotlone s+ m mw bm or*w at rlww born rome CIPM.
POST. TRANS. REF. LESCRPTCN A1101NT
617E DATE NO. M-CREDIT
SEP1a SEP21 PERIODIC FRIANCE C141ROE 41es.20
nt Summs
PrrvWn Balance S 12,007.02
Purdaua + $0,00
Cash Advanoaa + $0,01)
Other Debka + $0.0()
CndAS - $0.00
FINANCE CHARQE + S 195.20
Paww as - $0.00
New Sadanco S 1220202
Flnence Ch ww Summary
Canspmodha Dally Periodic Avanpa Daly AM*m m (M)!
APR Rdo(DPR) Sakvaw(ADS) Pedodfc(P)Charpe
Purchaaew 19.990% 0.00203%v S 10,200.90 $ 164.02P
Cash 10.990% 0.0520%v S 1,895.89 $ 90.58P
ANNUAL PERCEWAGE RATE 18390X, wvadable
go*ofAmerica
EXHIBIT 17
71i ism Wclmk ndoAasaldaa Lam dm1 dxalw«,wmalmdwo wcWm U1 A/eAs m11 •AI•J,amN nnmla? h raruu 1w.d.a., ellel+d.al..ra.
24-Hmr Cuslunar Service 1.000.792.9191 Pay on** vw
For Lost or SSdan Cards 1.800.010.8090 anewleakohlaadw?aam
0O9/0Z41Iem7SaNy1?7,aaa
SankafAserks
40-
0004500 3255025 1255025 4024116002549473
II.1.d.ldl.f.l..a1.ds.1."
SAW Or PNDENI X 85072-3132
{nrl{InalliaumlluilnfllnnllnllurlI{.rrlluLifllu{
MICHAEL 112 ERSBUuR RM ?Np
CARLISLE, FA 17613-3132
MICHAEL L GARMAN
ACCO= Kumb9r: 4024 1160 0254 9473
Your Bank of America Vise Account
TA USIlons M w rownt ummaktIe wd pay vow bM a** nlwwwJlanbolanM ppr
POST. 7PANa FIEF. pEaMPT" MOUNT
DATE DATE NO. CRCq®(r
ACCOUM
PrWops Bobrm 12,20242
Pwchasas + 80.00
Cam Advances $ 0,00
OOwr Dowts + $155.50
Credls 8 OAD
FINANCE CHARGE + 4191.93
Perymenk - 80.00
Now Radars $12.55025
APR RRG*DP PRjk 8 W *ADM PerlM0&bWm (M jP) CCAspe
B M SIAMarka 411P?
Pwehsaos 18.990% 0.05203%V $10,36909 $ 151.SP
Cash 18.99076 0.0520376v $1,92620 $30.07P d
ANNUAL PERCENTAGE RATE 1829096 V-Wrl" EXHIBIT D
24-How CUsloma. Sambe 1.800.732.10{ Pay a,Wlal Volt
For Lost w B7dsn Cards 1.800.8x8.8080 www.bodalaaaarbamm
0061021u9002SW M[MlLa
BwAofAnarka
0004500 1275175 1275175 4024116002549473
Ml.EEll,1ii11JpAII1llrilllll,rrl.f l ltl rl ll,l,lrlll
r MK OF VASZ 285072-3132
IU11lIIr11{I111 U11IIllll lllillll 111181 IIIIIItlllrl IIIIIIIr i
HIIC?HAEEEL 13MMAN
CARLISL A17pp
013-3132
MICHAEL L GARMAN
Account Numbor: 409A 1180 0254 9473
Your Bank of America Visa Account
Tlineactione VimreommussaacbmssndpayymrbWolilsatwwwbankokmxbpoem.
POST. TRANS. ME 06scopl" AUOUW
DATE DATE NO. CR•CF"rT
NOVA NCV29 PER*=FWP"CWW Sffi1S0
Account surren
PrWous Salina $ 12,550.25
Purrdlases + $ 0.00
Cash Advances + $0.00
otw pobits + $ obo
Create $ 0.00
FINANCE CHARGE + $ 901.50
Payments - $0.00
Now Sallie - $12,751.75
Finance CMW Sum m"
Cortesparldrp Dally Parlodo Averlwe Dally N1Wn m A1) 7
APR Ra*DPR) Bol"AD8) Parlodo(P)ChaW
Purdtacac 111.90M a 0620mv S 10,534.94 $189.98P
Cash MOM 0.062mv S 1,957.01 S 31.57P
ANNUAL PERCENTAGE RATE 18.990!6 "Vocable
BaakefAmadm
EXHIBIT lq_
ltlr Is a, ok mb nom/uae.dMAm.Y1.dv.-.,.,-.,.,w...e+,?w......;_..?.n...,-.-. ?_--
24-Hour CL*brr r Service 1.900.732.9194 Pry "Am] VA
For Lost or SbNn Cards 1.900.919.8090 wrrwbrlltelrnsrfeaoaa
„$OfE3WQ3IDD9,P2a
• Bsakof An»rilea
000'1500 1288131 1288131 4024116002549473
IInLd1b11.ololblLlnll..,d11d6.d16dln1LLl,dl
BANK OF AMERICA
WtNIX AZ 65072-3132
11.YIIIu,lII 11mLu111lludl,ud11.11$1IlaInlln{.LI6Y!
111 ISL00SPAr.7013-3132
MICHAEL L GARMAN
Account Num68r: 40741180 0254 9473
Your Bank of America Visa Account
Tt knsMg D-M VIa1P mane WansmWonr and pay yaw bpi wftw at www.bmMbnw ft
Post. - TRAW FIEF. OEaCAPTM ,wawa
WE DATE NO. CA-CFARAT
OEC 18 OEC 15 7MIiRtn01101000040m L41LCMIEVERML CF10 a."
MC2$ DWO PEROaC MOM CHARM $161.11
ACCOunt Sunmp&FV
Prw am BWmnm $12,761.73
Purdws" + $0.00
Cash AdPm$$ + s 0.00
Olhw Dsbb + 10.00
Crud is - $68,55
FiNANCE CHARGE + SINAI
Paynwnh - s 0.00
New Bala" e $12,881.31
D (M
APR RaWW% BaWlos(
B Ps&&(P)
0"
Purchases 18.980% 0.05203%v $10,703.40 1167.07P
Cash 1&990% 0.052031%v 11,988.31 131.04P
ANNUAL PERCENTAGE RATE 18.990% v-Varbj*
e..kOlAmwits
YOU'RE PROBABLY PAYING
TOO MUCH FOR CELLULAR
SERVICE. SAVE UP TO
$100A0...SM.00...EVEN
1600.00 ANNUALLY WITH ONE
EASY PHONE CALL CALL
WPHONIC TOLL FREE AT
1.900-249.7615 TODAY.
(BONUS OODE30276)
EXHIBIT 0
naI-M d.eemie re>r &W.Nd1.Im. Nd.d YN n.1..rM and d...WmM.N1h. dY0lrwI,,w*hrn. n.O,m M nr.w. W. N vdeaiNnN Yriv.o.
24440Ur Cusbnwr Sw%fte 1.800.732.9194 Pay a,8wl vm
For Lost or Sblan Car& ,.800.848.8080 wrw.MnMhatwi wom
009MI 10002MQ4792OW12B
0004500 130x930 1306930 4024116002544473
Ilr,Irrlrlr{I,ri?lrrrEl,rl,lnli,rs,ll,.{{rrr{r{rrllr,,{,Ir{rrl)
MK OF 6 ONENIO
X Al X 3185072-3132
Lr,lllorll{oArolLJlurlLrnlbdLoLLollold,lLd
NCAR2 PETIRSPA 013-3132
MICHAEL L GARMAN
ACOMIA Nurrlber: 40241180 0254 9473
Your Bank of Anwica Visa Account
7renee0110ns Vkw romnt ywmcOom end mvour be ands at wwv.8mkokmedce oom.
PM. TRAM i6. DFSMFMN MAdUnr
DATE DATE N0. MC(EW
ion aINSS PFAMIC FlNAKIM CHMM SM91
Prevbus Bdame $1201.31
Pu,aheWS + $0.00
Cash Advanws + $ 0.00
COW Debits $ 0.00
Credits - $ 0.00
FINANCE CHARGE + $ 207.98
Payment - $ 100
Now Balance - $ 13,089.30
FlnewA Ctmm Summay
R?? RDally Pwlo;* aWDPR) ABelanoe(ADS) Psdo* (P)(CChv88
Purchmas 18.880% 0.06209%v $10,874.88 $175.40P
Cash 1&f1m 0.05203%v $ 2AOD.12 $ 32.59P
ANNUAL PERCENTAGE RATE 18990% vwVarMW
eeallaAta«k.
EXH1131T_ a
2444our Customer Somfos 1.800.732.9184 Pay a" VA
For Lost or Won Cants 1.800.848.8080 WW W W W ualerA mean
BankolAMU162490.1
0009500 1330067 1330067 4024116002549473
BANK BFX 53132
PNOEMix Az 85072-3132
IlaltrldrUmlewltrldnMrmllulLHLIu11wr6L1n11
MICHAEL L GARMAN
112 PETERSOMG RD
CARLISLE, PA 17013-3132
LHIIIudILm.dLd6edlerwllwllrre66w1luldrNnl
MICHAEL L GARMAN
Account Number. 40241150 0261 !473
Your Bank of America WWO Account
To1t Credo Lye WO Avatehy CrOM $O.W
Cash Limn $0.00 AVID" Cash $0.00
Ovarama Amount :3,300.67 Barg Dab 0201104
Mhtimurn Papnw Due $13.300.57 Psyrrwt Ous Gate 002104
24-Hour Cu rrw Sevke 1.800.732.8194 Payat Ival YU
For Lae or Slolm Cards 1.800.848.8090 www.trardm4mtk&&*rn
Transactions view rom w acdwm ww Pay yae bR adaw t w w.6w&*mwlea.com.
POST. TRANS W. o6aCPoP110N AMOJW
DATE OATS NO. CR.CR®R
FMM Fib1a P9a001C FINAWX CHARGE $MIAr
Account Summary
PrWAM 8abnos 313,088.30
Purwham . 30.00
Cash Adrenal . $0.00
Other DeEOs • $0.00
Clad: - $D.W
FINANCE CHARGE + $211.37
PaymaMs - 30.00
Nsw Belmea • $13,300.67
Finance
APR Rde P" edwws W»W Pwbft 9't Chary.
Purdwon 18890% 0.052mv S11A51.36 $176.25 P
Cash 1&89016 0.0520%v $2,052.95 $33.12 P
ANNUM. PERCENTAGE RATE 1&980% vvtbWe
Be tef America lp?
EXHIBIT ?a
Acowaft NwrAw 40241180 0254 9473
NOW Bayne :13,300.67
Past Dw Amout $13,O1M.30
Payment DUO Deb 0324104
TOM Wrvft h prpo tt ow $13,300.87
Amours Encyad
11oMe dM,, armwsefaderpg hlsis Bank of Aowka;
TAI,aft d,oI I NPa&MOM Otto imntd0e d your d,Yewead dem ndevphto aamwrwrAich,an mwe en tldwwn,dM dwuraidrw tlNmwit
BamkofAmedw? 1
0009500 1350152 1350152 4024116002549473
BANK OF AMERICA
P.O. BOX 53132
PHOENIX AZ 85072-3132
{ININI+LUnT6TduhluNuuNNHmr{dnl{mldrLdl
MICHAEL L GARMAN
112 PETERSBURG RD
CARLISLE, PA 17013-3132
lurlllNrlllnunl{ullrn{Irwr{InllTrdlrlnTlLr{r{Tliw{
MICHAEL L GARMAN
Account Number 40241180 OM 9473
Now BaWce 1113,901.82
Pad Due Amount 513,300.67
Peymwt Ow Oak OU22004
Tda MWmrm Parnrt Out $13,901.52
Amaat EFCWmd
No W. h A rmwwrardwMeMeb BankdAn aria
Account Number- 40241190 0264 9473
Your Bank of America Visas Account
Tda CredN Line $0.00 AvaMtls C400 $0.00
Cash UmR $0.00 Avabbb Cash $0.00
Ovedit Am" $3,9M.52 Bakg Deb 03rAw
Mk mffn Payrlert Due $13XI S2 PaWw t Cue Oah 04r2m
2CHaur Cusimm Snvks 1.800.732.8104 paYw* I v%A
For tat or Swan Cards 1.800.848.8000 wwwjmntdw W, -n
Transactions view malt twmwcown ow payyow tv wom at www.hwtmlemwlea.com.
POET. TRANS REP. OF9CRR110N AMOUW
DATE DATE NO. co."Em
Mwn Mw2a P8RKMCnWXECHARW 11201115
Pfavkua BMW" 1113.300.87
Puwhesaa ? 50.00
Cash A*Aa . 80.00
Odmr Cobb + 80.00
Creft - $0.00
FINANCE CHARGE + $200.85
Pawwft - 80.00
Now Baanoa 813,501.52
Finance Charge Summary
Purdweee 18.800!6 0.0520%v 811.275.14 $19038 P
Cuh 18.00096 DA120396v 82.0%.25 831.47 P
ANNUAL PERCENTAGE RATE 18.990% v=v0d"
BankofAwadu 40?
EXHIBIT_ ,L
m. r an rYiaW:c wprdati' ofwlftAt dcfglS r 004 aew Mt=ftIA eeinwwMeewrl w mdd@mwen Side of~wW"dwr w
Bankef Msdca ? 1
0009500 1371960 1371960 4024116002549473
BANK OF AS113Z14ERICA
P.O. Box
PHOENIX A2 85072-3132
II„I,d,Gllad,ahJdnN,adlnNn,ldalfn,ld,6.11
MICHAEL L GARMAN
112 PETERSBURG RD
CARLISLE, PA 17013-3132
Lnll4nllfnunflnl6a11aaILdL„6lmllo6ldlni
MICHAEL L GARMAN
Account Number. 40241189 0284 9473
Your Bank of America wsa® Account
TOW Crea Line $0.00 AVW*bW Crag $0.00
Cash Lunt $0.00 Awl" Cnh $o=
Owdaft Amourd $3,71910 SWrip Dts 04r2w
M1srimum Ps)ma. Due $13,719.90 Pepned Due Data 06423M
24HOO1 Cuswor s9vios 1.900.7329194 Pry W*W VIM
FOr Lop a S10ba Cads 1.900.949.9090 mwjMh0fima6eaoan
Tran"etlom Vb noaatr nwwpsywbmwmmt.wwbw*w m.lmoom.
Post. TAAPB. REF: Dr9CRWM% AMMW
DATE DATE W. CR-CREW
AR20 A,28 PEREMPKINMCKVw SM06
Account Summa
Preid wBWwm $13AIM
Purdom + $0.00
Caah Advamn + $0.00
Wier Debit + $0100
CredRs - $0.00
FINANCECHARGE + $21608
Pavmeta $0.00
New Babnos = $13,719.80
Finance
APR PYaoft Rte 9elrae 1n0M Pubdb M CNW
PwOhpea 19.990% 0.052M%v 0 $71.101.71 5199.81 P
cash 18.990% 0.092w%v 0 $2.116.09 $34.17 P
ANNUAL PERCENTAGE RATE 18.990% v=vwwbe
Bstdts{Mmsdal-W
adlemac2mm
EXHIBIT Oil
Aooount Nun?baw 40241100 0254 9473
Nawsawm $13.719.00
PM Dw AMWt $13,SMM
Pgrtwd ON Oda 0N23p4
Toted Nom nP""rt Due $13,719.60
AMOLEt Endoaad
wd...
,RSYe drdka mnry ardr Palsaa b Belt dAnrrbe Thbb. QW*4 b apwdwlbn cry* ft(Adtlr dwra Wireud de Id mn I tla4k hb vkich rw+.mdv mew n =ww f) v,e mw d t
BainkofArAwIva4W i
0004500 1343401 1313401 4024116002549473
BANK OBoFxA53ME13RICA
P.D. 2
PHOFAxx Az 85072-3132
144111/11Nluln/L161tdbItlNld6t.bl1d4uIdJIJ1
MICHAEL L GARMAN
112 PETERSBURG RD
CARLISLE, PA 17013-3132
I/IIIIIIIIIIIUImII INII11114e111f It(IIe11d11IN I/IIIt11t1I
MICHAEL L GARMAN
Account Number 40241160 0254 $473
Your Bank of America Viss6 Account
TOW Cs* Lkw $0.0D Avobbb CrmR $0.00
Cash Lkr* $0.00 AvWeWs Cosh $0.00
0arM11t Amount $3,934.01 my onto 050M
Wmanl F"m" Due $13,931.01 Payment Due Dab 0N2744
24-Hour CueW W SWV100 I.EOD_7322194 Pay ansml V4$
For Last or S1den Csrds 1 AWA48.t1090 wwwAallkrflrlNlrlp.eom
TranglICU ns VWw recant uw.dlo w aid Par vma be mbm d wwwlmdwknww.wm.
Fog(. TUNS. REF. DESCMPMN AMDUNr
DATE OAT% No. CR-cRmrr
Mlr]e Mw25 PEWOM FMUNCE CNwme SM.n
Account Summ
PrWAMM Rowoas $13,719.80
Purdmoft + $0.00
Caen AdvarK • $0.00
Oerer Debb + $0.00
Croft $0.00
FINANCE CHARGE + $21441
Payments - $0.00
NewBil = $13,934.01
Finance
APR PwIvft Rala dalalra W% PerfadlCncrrye
PurchRm 18.99D% 0.08203%v D $11,584.03 $180A2 P
Carp 1819891 OiDS209%v D $2,151.3 $3159 P
ANNUAL PERCENTAGE RATE 18.910% v=wtene
BeakofAtBSrka ISO-
EXHIBIT 36
Account Number 40241180 0254 9479
New BWvme $13,934.01
Peet Due Amoum $13,719.0
Psyrtlmt Due Ods 0N22004
TOW Mmh m+Paynwm Due $13,974.01
AmMt Endeeed
tAlkadartwma"aederpgaNa In dmkdAnwba
ThsY m a4ohode atmdudan dtlwhmt Iidld wu W W,rennd dnr nofmtinM,e al¢Jn•uri Mktg ww? nMI m e,? w,wr W? dgrbWnl thwnWL
„ MICHAEL L BARMAN 6aek9f Aat6rtw
Account Number: 10241160 0264 $473
Your Bank of America Vitea® Account
New Balance 514,159.11 PM Due Amount $13,931.01
TOW CFO* LIAN 10.00 AVdd* Cf%W 30.00
Caeh Limn $0.0 Avokbe Cash $0.00
Oved" Amount $4,150.11 ROV Dab W211004
MWmtao Pwflnwt Due $14,150.11 Payrrrad 0ua Dab 07123M
244W Custorw SOfto 1.300.7329194 Pay w*w Vid
For Lost or Stdan Cards t.t100.848.8080 V'".' snllolalrsAca.eom
Transactlons View ncwatnrrac2aa snd psy yarAll aaneWwww e.nwhm.ha.arn.
POST. TRANS. rep DE"VT 1N AMaurt
DATE DATE Na CRXCAEOa
Jw 20 dun 28 PEF0001C MANCECHARGE SM16
Purdwa + 30.00
Csvh Advances + $0.00
Other Debla + $0.00
Credits - $0.00
FINANCE CHARGE + $225.10
Prymeds - $0.00
New Balance $14,iSRA I
Peat Des AM=* • $13,23401
Finance Charge Summary
Purchases 1&1180% 0.0camV D $11,789.30 $100.83 P
Cash 1 &890% 0.OM%V D 52,188.35 $35.27 P
ANNUAL PERCENTAGE RATE 18.950% V-Vwbme
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0009500 1415911 1415931 4024136002549473
BANK OF AMERICA
P.D. sox 53132
PHOENIK AZ 65072-3132
11..6rhlrlbnlnduL6JLndlnflnrhl Wlhnlrldrdl
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AccountNumber 40741160 0254 9473
pftvwt ow Dow 07r,084
TdW W*rArm Payrrart Dw 314,150.11
MICHAEL L GARMAN
112 PETERSBURG RD
CARLISLE, PA 17013-3132
IndUrul llnmdlnllmllurd6rlhnhLnilniddlnl
Amount EncloaW
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MICHAEL L GARMAN BenkofAmefiea ??
Account Number. 40241160 0284 9473
Your Bank of America Visa@ Account
New Belence $14,366.44 Put Due Amount $14,150.11
7OW Cro& Lone =0.00 AvtlhEk CrWK $0.00
Cash Lunt 30.00 Aval" Cah $0.00
OvGMM Arno" $4,380.44 SUM Dab 07728704
MWrnan Payrnwd thn $14,780.44 PMWM*OW Oak OBf77704
24-Hour Cudww SaMoa 1.800.7329194 Pay me w MY
For Lost or Swan CaW 1.800.848.8080 www.bw*otmdnwom
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RATE DATE NO. CR=CFWW
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ANNUAL PERCENTAGE RATE 18.690% r-Vsrmk
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0004500 1438044 1438044 4024116002544473
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P.O. BOX S3132 ParnoDue Oft W22104
PHOENIX AZ 85072-3132 Taw Mrirm nPRp neM DW $14.39D.44
IlalnldrOndw.InlduNnunn11Mr66rllruirlrlull N4 ; 314,780.44
I MICHAEL L GARMAN
Account Number. 4024 1180 0254 94T3
Your Bank of America Ysaa® Account
Now Balance $,4,815.90 Past Due Amount $14.360.44
Tahd Crew Lta 50.00 AM" CrW* $0,00
Cash uwt SOAR AvdeMa Cwh $0.00
OvrYmR Amount $4,615AD Bang OQs DW2BA4
Minimum PWpW Due $14915.60 PMnwt Ora Dab O<a23104
24+1" CUIWW 6arvioa 1.800.792.9194 Pry W**l Vh6
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DATE DATE NO.. U.CREwR
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Prwbra Balenms 554,360.44
Purchww + 30.00
Cash Adwmow + SOHO
Otw Denote + $0.00
'Cmdh - $0.00
FINANCE CHARGE + $255.46
Payme.7ts SOAO
New BsYmee $14,615.90
Past Due Ano=R 674,26044
Finance Charge Summary
aPR PwlwaolYY aw wvM Par6ae(P)amw
Purchases 19.240% 0.05272%v D SIZIMM1 $198.57 P
Cash 19340% 0.052T2%v D $2357.06 536.60 P ,
ANNUAL PERCENTAGE RATE 19.24011 v vwbi*
Bank of America
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Cuatomcr Corner
0004500 1461590 1463590 4024116002549473
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P.O. BOX 53132
PHOENIX AZ 85072-3132
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Tail M Irrum PeOwd Due 314.615.90
New Belarw: $14,676.90
MICHAEL L GARMAN
112 PETERSBURG RD
CARLISLE, PA 17013-3132
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ACWUnt Number: 40241160 02M 94"
Your Bank of America Visa® Account
New Balance $14,055.25 Pout Due Amount $14,615.90
Tdo Crow Lin $0.00 AmteMe Cratlt $0.00
Cash Lint $0.00 Avel" Cash $0.00
OaWk&Aftwunt $4,9W25BangDa4 QwAN4
1,MOinum Pupmnt Due 314,935.25 Psyrrw A Do Doke 10ZW4
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ANNUAL PERCENTAGE RATE 19.240% v=VwbAft
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• Account Number: 10241160 0214 9473
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Nov Balance $%M.92 Past Due Arnow t 114 835.25
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Cash list $MOD Aw4eds Cash $0.00
Cnarfnt Amoud $5,093.99 8" DIM WA"
MK"" Paytlwt Due $15,093.99 Pay 0 Dua Dale 11l12A4
24-Hour Ct, , SOV" 1.900.7329194 Pay er")Vhs
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DATE DATE NO. CR-CREW
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FINANCE CHARGE • 5239.44
Pgwwes - 50.00
New 99hrtu $15,090.69
Pad Due Amount ? iU,ai6.26
Finance Charge Summary
Purchases 19.490% 0.059401W D 312,551.59 $301.06 P
Cash 19.490% 0.05340%N D $2.331.99 $3735 P
ANNUAL PERCENTAGE RATE 18.490% y=Varh6k
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0004500 1504364 1509369 4024116002549473
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P.O. BOX S3132
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Aaorwltt Number 40241190 0234 9473
Peynwd Due Deh 11!22/04
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I MICHAEL L OARMAN
Account Number. 40281180 0265 9473
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ANNUAL PERCENTAGE RATE 19.710% "Vwfabte
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0004500 1534738 3534738 4024116002549473
BANK OF AMERICA
P.O. BOX 53132
PHOENIX AZ 05072-3132
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Account Number 402411600264"731
Palwent Due Oah 12/23104
TOW Mlnimon Payment Due $15.347.38
NOW 111100011 518.347.36
MICHAEL L GARMAN
Account Number. 40241160 0264 9473
Your Bank of America Visa® Account
New Balanos 616,566.96 Peet Dun Amount $15,347.36
TOW Cram Lille SOHO Avabble CreS $0.00
Coh unvt 50.00 AvMable Cab 50100
Owdh t Amount 55,S69B Burp Date 1Nffig6
MMinum PWn$M Due SWI595.90 Payrnent Due Ode 01ra 5
24440u CuMarw Swine 1.800.732 9194 Pay oninel VNit
For Lwt or StOlm Cards 1.800.8489090 WWWARnaofmmw m com
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Puobw + 50.00
Cash Adwwn + 50.00
0Vw Debits + $0.00
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FINANCE CHARGE + $240.00
papwft 50.00
NewBaWaa
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APR Pride Rob ealrree VZ* Paeedla 0M 66"
Pumhaew 19.740% 0.0540M0 SIZ971.07 $210.49P
Cash 19.740% 0.06409%v 0 52,409.63 $3911 P
ANNUAL PERCENTAGE RATE 19.740X, W-Variw*
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PHOENIX AZ 85072-3132
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Cpstpow Corsair
Account Number: 40241160 0204 9473
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New ".Imes $16,982.60 Past Out Anmunt $10,/190.99
TOY Craft Ltm 90.00 AvW is 0" 30.00
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Cash Afvaroa + 90.01)
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FINANCE CHARGE + 12+%.52
prpnwft - 9DA0
New Balance 915,66250
Past Due Amount a 31S,a1 A
Finance Gha
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Purchases 19AM 0.054TMN D 313,190.13 3713.92 P
Cash 19AM o.0st M 0 U440A6 $41.60 P
ANNUAL PERCENTAGE RATE 19.99096 vaVal"
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EXHIBIT 33
MI9REL L GARMAN Amour*ErcbW
112 PETERSBURG RD e ,
CARLISLE, P 17013_3132 6C.-OoH 77G G
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BURTON NEIL & ASSOCIATES, P.C.
Jay H. Pressman, Esquire ID #38800
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
BANK OF AMERICA, N.A. (USA)
Plaintiff
V.
MICHAEL L. GARMAN
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-4048 CIVIL
CIVIL ACTION - LAW
Plaintiff's Memorandum of Law in Support of Summary Judgment Motion
Plaintiff sued defendant to recover the past due balance owed it on a credit card in the
sum of $10,755.52, plus attorney's fees and court costs. Plaintiff waives its claim to attorney's
fees for the purposes of this motion. Defendant answered the complaint. In the answer, defendant
attached an exhibit which purported to show that he owed at least $9,376.00 to plaintiff. Plaintiff
filed a motion for judgment on the pleadings with respect to $9,376.00 of the balance. The
motion was denied. Plaintiff then served defendant requests for admission to which there was no
answer. Plaintiff filed a motion for summary judgment because, as a result of the unanswered
requests for admission, there is no longer any genuine issue of material fact. The pleadings and
requests for admission constitute the record for purposes of this motion. Plaintiff's motion is
before the Court for disposition.
Defendant's failure to answer the requests for admission resulted in admissions of them
all pursuant to Pa.R.C.P. 4014(b). Additionally, the failure to answer request for admissions was
the basis for summary judgment in whole or in part in the following cases: Borough o
Mifflinbure v. Heim, et al., 1997 Pa. Super. LEXIS 4020, 705 A.2d 456, 466 (1997); Byrnes. Inc.
v. Buss Automation. Inc., 415 Pa. Super. 549, 609 A.2d 1360 (1992); Innovate Incorporated v.
United Parcel Service, Inc., 275 Pa. Super, 276, 418 A.2d 720, 723 (1980); Bamebei v. Hauf, et
al. 116 Dauph. 215 (1996); Carter v. Harrisburg Motel Enterprises, Inc., 113 Dauph. 479 (1993).
As a result, any issues of material fact which precluded grant of plaintiff s motion for judgment
on the pleadings are now resolved. Defendant admitted he received the monthly statements from
plaintiff which were attached to the requests, that all were accurate, that he disputed none of
them, that no payments were made to plaintiff to reduce the balance of $9,376.00, and that
defendant has no facts or documentation to support his denials of the plaintiff s complaint. In
addition, defendant admitted receipt and the accuracy of the last statement attached to the
plaintiff s Request for Admissions, which shows a balance of $15,862.50. However, plaintiff
only requests judgment for the complaint amount, which is $10,755.52. Furthermore, plaintiff
also waives its claim to attorney's fees for the purposes of this motion, even though defendant
admitted he owed them.
Defendant's admissions in the requests for admission reveal there are no genuine issues
of any material fact to be tried. The burden to prevail on a motion for summary judgment is set
forth in Pennsylvania Gas & Water Co. v. Neanna & Frain. Inc., 320 Pa.Super 291, 467 A.2d 330
(1983):
The moving party bears the burden of demonstrating that no genuine issue
of material fact exists and that he is entitled to judgment as a matter of law.
In determining whether the moving party has met this burden, the court
must examine the record in the light most favorable to the non-moving
party, giving that party the benefit of all reasonable inferences. All doubts
as to the existence of a genuine issue of material fact must be resolved
against the moving party. Summary Judgment should be granted only in the
clearest case, where the right is clear and free from doubt.
Defendant's judicial admissions' factually established liability to plaintiff in the sum set
forth in the complaint so that the grant of summary judgment would be proper. For the reasons
set forth above, plaintiff submits summary judgment should be entered under Pa. R.C.P. 1035.2
in its favor and against defendant in the sum set forth in the complaint plus the costs of this
action.
BURTON NEIL & ASSOCIATES, P.C.
BY:
Jay JPr an Esqui re
Attolaintiff
In making this communication, we advise our firm is a debt collector.
'In Jewelcor Jewelers & Distributors v. Corr, 373 Pa. Super 536, 542 A.2d 72 (1988), the Superior Court
addressed the effect of a judicial admission, as follows:
A judicial admission is an express waiver made in court or preparatory to trial by
a party or his attorney, conceding for the purposes of the trial, the truth of the
admission. It has the effect of a confessory pleading, in that the fact is thereafter to
be taken for granted, so that the opposing party need offer no evidence to prove it
and the party by whom the statement was made is not allowed to disprove it. See 9
Wigmore, Evidence Section 2588 (Chadbourne Rev. 1981). It is axiomatic that a
judicial admission cannot be contradicted by the party that made it. See Tons
Ayoarel Mfe. Co. v. Rothman, 430 Pa. 583, 244 A.2d 436 (1968).
BURTON NEIL & ASSOCIATES, P.C.
Jay H. Pressman, Esquire ID #38800
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
BANK OF AMERICA, N.A. (USA)
Plaintiff
V.
MICHAEL L. GARMAN
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-4048 CIVIL
CIVIL ACTION - LAW
Certificate of Service
I do hereby certify that I mailed by first-class mail, postage pre-paid a true and correct
copy of the Plaintiff's Motion for Summary Judgment topro se Defendant:
Michael L. Garman
112 Petersburg Road
Carlisle, PA 17013-3132
Date of mailing: (o ZZ 0 fo
I verify that the above statements are made with the understanding that false statements
herein are subject to penalty under 18 Pa. C.S. Section 4904 relating to unworn falsification to
authorities.
BURTON NEIL & ASSOCIATES, P.C.
BY:
J y . Pressman, Esquire
A ey for Plaintiff
The law firm of Burton Neil & Associates, P.C. is a debt collector.
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PRAECIPE FOR LISTING CASE FOR ARGUMENT
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Please list the within matter for the next Argument Court.
BANK OF AMERICA, N.A. (USA)
Plaintiff
V.
MICHAEL L. GARMAN
Defendant
No. 03-4048-CV Civil Action-Law 2003
1. Matter to be argued: Plaintiff's Motion for Summary Judgment and Brief in Support
2. Identify counsel who will argue case:
(a) for plaintiff:
Jay H. Pressman, ID# 38800
BURTON NEIL & ASSOCIATES, P.C.
1060 Andrew Drive, Suite 170
West Chester, PA 19380
(610) 696-2120
(b) for defendant pro se:
Michael L. Garman, pro se
112 Petersburg Road
Carlisle, PA 17013-3132
3. I will notify all parties in writing within two days that this case has been listed for
argument.
4. Argument Court Date: September 6, 2006
Jai H-/Pressman, Esquire
Att ey for Plaintiff
A
BURTON NEIL & ASSOCIATES, P.C.
By: Jay H. Pressman, Esquire
Identification No. 38800
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
ATTORNEY FOR: Plaintiff
BANK OF AMERICA, N.A. (USA)
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
VS.
MICHAEL L GARMAN
Defendant
NO. 03-4048 Civil
CIVIL ACTION - LAW
Certificate of Service
I, Jay H. Pressman, Esquire, do hereby certify that I served a true and correct copy of the within
Praecipe for Listing Case for Argument on pro se defendant, Michael L Garman, at his address of record
via first class mail, postage prepaid on the date set forth below.
BURTON NEIL & ASSOCIATES, P.C
Date: BY:
ay . Pressman, Esquire
tt ey for Plaintiff
The law firm of Burton Neil & Associates is a debt collector.
52941
On,
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Michael Lee Garman
112 Petersburg Rd
Carlisle PA 17013-3132
717 701-1823
Defendant
BANK OF AMERICA, N.A. (USA)
Plaintiff
V.
MICHAEL L. GARMAN
Defendant
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 03-4048 CIVIL
:CIVIL ACTION - LAW
Defendant's Response
I Michael L. Garman the defendant acknowledge that I owe Bank Of America $10, 755.52, as
well as some other creditors. At this time I am unable to pay this amount. I do not have any assets
to cash in or sale to come up with the funds.
I do have a court order payment of approximately $8,200 due me from another case. I am
receiving this money in bits and pieces. I am willing to sign this judgment over to Bank of America
and make payments of my funds as available to Bank of America to cover the difference.
The money from Bank of America was used to pay expenses as I was taking care of an aunt that
had cancer, who later died of the disease. At the time I was working and being paid rather well. I
then had my salary reduced and eventually changed jobs at a lower salary.
I have used a credit counseling service to attempt to pay off my creditors and was paying more
money to the service than to my creditors and the service went out of business.
I withdrawal-ed what money I could from the retirement fund to pay some of my creditors. I can
not withdrawal any additional funds from my retirement account.
I am trying to secure funds from a mortgage loan but have not been able to obtain the funds yet.
I do not wish to file for bankruptcy, but may be forced to, if we can not work out away to pay
Bank of America.
I could not afford to hire an attorney to represent me in court on this matter. I had an attorney to
assist me in working on some other debits, that were settled out of court.
I ask for the courts understanding on this matter and hoping something can be worked out to each
of our satisfaction.
Michael L. Garman
Date: August 30, 2006 BY:%????.P?
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Defendant
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BANK OF AMERICA,
N.A. (USA),
Plaintiff
V.
MICHAEL L. GARMAN,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION-LAW
NO. 03-4048 CIVIL TERM
IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT
BEFORE OLER and GUIDO, JJ.
ORDER OF COURT
AND NOW, this 7th day of September, 2006, upon consideration of Plaintiffs
Motion for Summary Judgment, and following oral argument held on September 6, 2006,
the motion is granted and judgment is entered in favor of Plaintiff and against Defendant
in the amount of $10,755.52, plus interest at the legal rate and costs of suit.
BY THE COURT,
Jay H. Pressman, Esq.
Burton Neil & Associates, P.C.
1060 Andrew Drive
Suite 170
West Chester, PA 19380
Attorney for Plaintiff
Michael L. Garman
112 Petersburg Road
Carlisle, PA 17013
Defendant, pro Se
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BURTON NEIL & ASSOCIATES, P.C.
BY: Burton Neil, Esquire
Identification No. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
ATTORNEY FOR: Plaintiff
BANK OF AMERICA, N.A. (USA)
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
VS.
MICHAEL L GARMAN
Defendant
: NO. 03-4048 CIVIL
: CIVIL ACTION -LAW
Praecipe for Entry of Judgment on Court Order
To the Prothonotary:
Enter judgment on behalf of the plaintiff, BANK OF AMERICA, N.A. (USA), and against the
defendant, MICHAEL L GARMAN, as per the Court's Order dated September 7, 2006 and assess damages
in the sum of $10,755.52 plus interest at the legal rate and costs.
BURTON NEIL
By
And now, this y4L zlay of Jr-pi . , 2006,
ASSOCIATES, P.C.
A, Esquire
for Plaintiff
is entered on behalf of the plaintiff,
BANK OF AMERICA, N.A. (USA) and against the defendant, MICHAEL L GARMAN, in the sum of
$10,755.52 plus interest at the legal rate and costs.
Pro onot berlan ounty
Deputy
In making this communication, we advise that this office is a debt collector.
5A I
BANK OF AMERICA,
N.A. (USA),
Plaintiff
V.
MICHAEL L. GARMAN,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION-LAW
NO. 03-4048 CIVIL TERM
IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT
BEFORE OLER and GUIDO, JJ.
ORDER OF COURT
AND NOW, this 7"' day of September, 2006, upon consideration of Plaintiffs
Motion for Summary Judgment, and following oral argument held on September 6, 2006,
the motion is granted and judgment is entered in favor of Plaintiff and against Defendant
in the amount of $10,755.52, plus interest at the legal rate and costs of suit.
BY THE COURT,
Jay H. Pressman, Esq.
rton Neil & Associates, P.C.
1060 Andrew Drive
Suite 170
West Chester, PA 19380
Attorney for Plaintiff
Michael L. Garman
112 Petersburg Road
Carlisle, PA 17013
Defendant, pro Se
rc
J.
[HUE CUV'Y --HUM HEUUi-in Testimony whereof, I here unto set my hano
jnd the sPI of said Cou t Carlisle, Pa.
y g?`' .2 to G
,,.
P?dlQndi?'d
BURTON NEIL & ASSOCIATES, P.C.
BY: Burton Neil, Esquire
Identification No. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
ATTORNEY FOR: Plaintiff
BANK OF AMERICA, N.A. (USA)
4161 Piedmont Parkway
Greensboro, NC 27410
Plaintiff
VS.
MICHAEL L GARMAN
112 Petersburg Road
Carlisle, PA 17013-3132
Defendant
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-4048 CIVIL
CIVIL ACTION - LAW
Certification of Address and
Affidavit of Non-Military
Understanding that false statements herein are subject to penalty under 18 Pa. C.S. Section 4904
relating to unsworn falsification to authorities, I verify that:
1. The above are the precise last-known addresses of the judgment creditor and debtor.
2. Pursuant to Section 201(b)(1)(A) of the Servicemembers Civil Relief Act of 2003 (SCRA) the
defendant is not in the military service of the United States based on information received from the
defendant and/or the Department of Defense website.
BURTON EIL &rASSOCIATES, P.C.
By:
Burton il, Esquire
Attorney for Plaintiff
In making this communication, we advise that this office is a debt collector.
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. . VA
BURTON NEIL & ASSOCIATES, P.C.
BY: Burton Neil, Esquire
Identification No. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
ATTORNEY FOR: Plaintiff
BANK OF AMERICA, N.A. (USA)
Plaintiff
: IN THE COURT OF COMMON PLEAS
VS.
MICHAEL L GARMAN
Defendant
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 03-4048 CIVIL
: CIVIL ACTION -LAW
Rule of Civil Procedure No. 236 (Revised)
Deputy
(Notice is given that a JUDGMENT in the above captioned matter has been entered against you
on J GU &:? .
Pr onot o umberl d County
If you have any questions concerning the above, please contact:
Burton Neil, Esquire
Attorney for Party Filing
1060 Andrew Drive, Suite 170
West Chester, PA 19380
Phone: 610-696-2120
In making this communication, we advise that this office is a debt collector.
Burton Neil & Associates, P.C.
By Burton Neil, Esquire ID. NO. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
BANK OF AMERICA, NA (USA)
Plaintiff
V.
MICHAEL L GARMAN
Defendant
: IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-4048 Civil
: CIVIL ACTION - LAW
Praecipe to Satisfy Judgment
To the Prothonotary:
Mark the judgment Satisfied on payment of your costs only.
eil & Associates, P.C.
E
B
- UJ/
urton Ne
Attorney f
The law firm of Burton Neil & Associates is a debt collector.
Esquire
Plaintiff
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