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HomeMy WebLinkAbout07-4613IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No: D7_ ~(p13 C~~, c T~ VS. COMPLAINT IN CIVIL ACTION MICHELLE D HARRIS Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 05988674 C J Pit SJS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No MICHELLE D HARRIS Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for 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. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at 3700 WISEMAN BLVD. SAN ANTONIO TX 78251 . 2. Defendant is adult individual(s) residing at the address listed below: MICHELLE D HARRIS 246 HUNTERS RD APT 2 NEin1VILLE, PA 17241 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 4266841105381030 . 4. Defendant made use of said credit card and has a current balance due of $3206.32 . 5. Defendant is in default of the terms of the Cardholder Agreement having not made monthly payments to Plaintiff thereby rendering the entire balance immediately due and payable. 6. Plaintiff avers that the Cardholder Agreement between the parties provides that Plaintiff is entitled to the addition of interest at the rate of 6.000% per annum on the unpaid principal. 7. Plaintiff avers that the Cardholder Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. Plaintiff avers that such attorneys' fees will amount to $500.00 . 9. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, and accrued interest or any part thereof to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant MICHELLE D HARRIS INDIVIDUALLY in the amount of $3206.32 with continuing finance charges thereon at the rate of 6.000% per annum from July 06, 2007 plus costs. 05988674 C J Pit SJS James C WELT 436 ev Pit sbu (4 ) 4 F' 41. r wa.rmr~roat, 42524 WEINBERG & REIS CO., L.P.A. th Avenue, Suite 2718 r h, PA 15219 4-7955 ..-338-7130 This law firm is a debt collector at mpt'ng to collect this debt for our client and any information obtai ed ill be used for that purpose. PAGE 1 OF 2 r ~,- f~f Statement nor 4tccoun7 rl9mber: 4288 Ba17 0538 7 0.90 New Balance Payment Due Date Paet Due Amount Minimum Payment A ~ ~~~ 1~~ + ss,2os.s2 Il----a11ro7 591&.00 51,488.32 /''"~ v O J Amount Erxtioeed ~ ~a yow clreok payabN to Chw Card Servkes. Tax Nme N hare. Make ~~~ /,.'_t 5 New addrrs or smN7 Print on Dads. yourpaymme~ri1tl~pryt you~r Cneae crr3tlil card. Far details visit www'.chasepariourtexee.com. 426684110538103000146832003206320000D08 e3m eexzomo]c I,,,III,I„I„I,I„I„II,,,I,I,,,,Ilrlrl,,,ll,rl,lrrrllrrllrrl 246 HUMERS RD APT 2 NEWVILLE PA 17241-9422 CARDMEMBER SERVICE PO BOX 16169 WILMINGTON DE 1998&6159 t: 5000 i 60 287: 20 3 L LO 5 38 LO 30 iN' A O Mnm ~m pe Y N 02/1 fli07 $~~ ~ b U S MER 8ER Mi mu ment Due: ~~-4016 . Ee fld pa 1.888.448.9906 TDD 1.800.966.8080 PaY by Phone i-800-438-7958 Outside U.S. cell colect VISA ACCOUNT SUMMARY Account Number: 4288 84710698 7030 1-~-~-~D Prevbue Balance Pumfreaee, Caah, Debits $9,095.18 Total Credit LMe •539 00 ACCOUNT INQUIRIES 52,600 P O Box 16296 Flnarrce Charges . AveNeble Credit +$72.14 Cash Aarese Una . . 560 Wilmirpbn, DE 19850-5298 New Balance ~.ffi Available for Caeh $0 PAYMENT ADDRESS P.O. Box 16153 Wilmingbrl, DE 19888.5159 VISIT US AT: www chase mMcredi ^rd A late lee ie reflected on tl1N filling statement Your minimum payment reflects 1°6 of your statement balance, Plus arty past-due amount biNea interest. end tlm bNled kte lee. Vou haven't made Ore required payments end your credit card account N 90 days peat due. As a result Your credit bureau may be updated with a negaWe rating. Please eeM your payment ImmedlaNly or ceN ue et 1-1106955-803p (collect 1-90&51W-8200) Oodey. AVON REWAR c SUMMARY Prevbus poktt balsnee 0 Pointe earned br purchases 9da eNmment Ending points balenoe 0 0 Told pdma unevadeble br rademPtbn 1 byr 8.5 Pdnm b expire on etetemeM date in August 2008 TRANSACTIONS Trene Date Reference Number Memhent Name or TreneecNOn Dees non Amount ~ Green Dedt ayu t,,, FINANCE CHARGES Defy Perbdic Rote Cor map. ~ d ~~o Average Del y Balance Finance Charge Dw To Tmneaction Accumulated FlNANCE aYe b ~~ APR ry Purchases V 08217% 29 69% Periodic Rata Fee Fin Charge CHARGES . . Caeh sdvanoes V .08217% 29.98% 52,307.49 5698.08 563.08 513 07 50.00 $0 00 50.00 $63.OD Convenienoa check V .09217% 29.9996 5269.77 . $6 98 . 50 00 $0.00 513.07 Total Nuance charges . . $0.00 $6.98 572.14 C-ffxtlw Mnwl Parpnlage Rate (APR): 28.9D95 Please see Informetlon About Vour Account section for balance computatlon rrle0tod, grece perbd, end other Impodant inlormatlon. The Corresponding APR ie nre reN of interest you P®Y when you terry a balance on any tmneaction category. The Effective APR repreeente your btal Iklenoe chergee - inckrdirg vanaeotlon fees such ae cash advance and balance trenebr fees - expressed ae a pe menlage. IMPORTANT NEWS NOTICE: We ere repledng the Two-Cycle Averege Dais Balance Method (compute krbreet on Previous and current cycle Iwreheee bekncee) wNh the Average Ddy Balsrrce k,duding new purchases Metllod (Purchases deiy balance tinree purchases daily rate each day ony in the current cycle). This Statement is a Facsimile -Not an original X0000001 Fl93apeC3 000 N Z 1] 0],93/1] Pxe.1d1 OaNt I.U.MAR121 0]atWWOaoWay~]et EXHIBIT HTTPS:IIINSTANTIMAGE. BANKONE. 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N ETISTARIJSPIPRINTDIRECTL... 5/2412007 Ixal.aOaRbx TarRarax LDtl N RINaI hNt Pbx repel YaR bee a eblen nm bmroYlay by nllnp Ye (~Rbnwr SwYye wmM bxd On pM you d)m11I aMYIrwY. Awwws am abaya arNby b wlnyou. You 4n taaarrYgwbr by prarbR D KlerYa Mxyouaaoun Marox. ~• ~Ima cRarra bom IM hY Y b tlaa b iu6c wam clx9a on a Imcaclian. H•. rw:wWa a wcaux Xawerar. w tlo rot dxq periotlk Iinrce~k hw k yyoa obi r~a~~aEY~W6pYCeycY nwa naaW boW aNalYl YOUr Ww BWilay0loMn Nwy Blkllol onWUDmiaa WYtnanf YYyh~aM ane ynupaynwmw wa a7hm ~ardrr~err>i6er Agreej-nen~ CMA17r"75 ACCEPTANCE OFTHIS A6AEE115ENT This egraament governs your trader cord account virth us ralorrntsd on the card cord Conte fining the cord for Uds account Any use o1 your a ccouath covand bylhh agnama Please ro^d the entire rpreemsnt end keep A (or yotu rscerdi You eaUmrito us Ia p tar and'cherga Your eseaunt Tot ei uansrcdons mode on iroar etcount. You promise pa uslornAVanssctiorrsmadaonyoureceouit~trweieserry[cesal'maacrcharga If this h a join[ eccounl. tech of you, -ogather end indivldusUy, is responsible for payin ell amounts owed, svae i the aecoum is used by only ose of you Plsass sign the beck d your eradtt card when you receiua it Yw wit 6a bound 6y th syraemer>LByou or arryars eulhorhed by you use your etcount for euy purposb even you donY sign your wrd•iNhelhor you us. year a exeunt et aoC you wit bs bound by egrsament unless you esnevl your ateountwdhin?0 drys ehu roceWLig your card en you hove not used Your account iar eery purpose Throughout this rgnrmerit dta words'ws , "as end'ear` mean Cbrss Baok US/~ N the Ssuar of your trodd cord and account Tbs wsrds'yor'. 'your" and'yonts' moon a persons rispoiiabh for eomplYing whh Wh epneraant,intiudsgtha gases whs appGr for the account and tin parson to whom tva address billing slatemoats, ns wei es e person who egress to ba bab[s on the a tcount The word'ard'msans one or men card cr ether access duvieos, such sr eccourrt numbers, that we have Issued b permit yo to obtain cndttundsrthis agnomen[ USING YOUA ACCOUNT Your etcount h o consumer sccount and should bs used only for peraonat, Tamilyy o household purposes Unless vrs agree or k is ngtdnd by tow, we wig not be responalbl for mercbondisr or sarvicsr purchased or loosed though use of your sccount Yo promise to use your ecewnt only for vefid and lawful transstdetss For rsomplr, interns gambpnp maybe Blapel a some pleeas it is not our retponsibiitylo meka son drntyo use yoW etcount only (arpsrmissibls transat6onc_ end you vn'i rrmein raspoasbla Io p ~yinp !or a Vancectioa oven d it is net par:aissiblr types of Transactiorrr. • Purcbeces:YoumoyusoyoureetdtopeylorfjvotlYDrseNttw•_ • Check's Wa msY:proaids you cosh edvancr checks m belrnca Vensfrr cheeks es a wsym use your ecnrM. We also teibr tc them ro this epnomerrt es o dtotk w checks Yon may use r check m pay for goods or serviercec, to nsaslar brlencas to your a eeoum, or for ntlrar uses wa aAow But you may not ass these checks to Vaasfar balantes w this accmrM from other accounts with ua or any of our related companies Only the parson whoa name isprintad tmthe [hark msysipn the cheek Cesh edvann cheeks aro reacted as ush,Edvancas and belann Uansfer cheeks on Vaated es balance Venatersazcsptsstsolsd'mthlsogrsomentoronyrrflorwemekatoyou Wameytroal eheekrlhattvarbllconverdannehseksastralsnpatrortsltrehreks Howswr,ehoeYs thatr a cogrorwuaisrrcs cheeks and Ihet wa iridcatad U you aro subjsrttto dre terms for cash edvaneas,may 6a [tasted es cash sdvericeisnd assessed cash sdvanco ores end foss • BalanoeTnasfarsCYosmayvantletbalrnasbomstherscewmtswloertswdhothar cradA cariissuarc W other lenders to rtes atcotur~~tX other babna tnnslerswe oiltrw Butyoa rt ay not Innslsr belansas to Uxs etcount Irom other setrounts whit us or any of our nlrtad carprsirs. U e portion of a rsqumad bahnco rooster vvdt rscaed Yonr nvaAable tndt fins, eve may process a perttal belann tronsfar op to your evaiaWa cndR Tin. Crb Advances: Yon may use yorV card to gel cash Jrom sutemotic tetlat machines, of Pram Fnanciol institutions eeeepilng the ard; or to obtain vavalars checks, foreign currsncr money orders, wba tnnsfara orsbnihr nsh-ttlce [bargee, or to olmin IoGary tidcats, easlna grrriap ehlps, nor trek Wegsrs w lot sboiar 6attinp Voasaedons Yon mgYalsq nss a tJiudrrAysarvice to mek+r peyrrwntnnynurbsxap and M'Iltlu pr•ym°ai to difs etcount_ • Orardntl Advances: U Yon htrvo en stlgibh checking eccounl with ens al out totaled banks, yon mrryy 1'mt tbk ectouM to your shael:ing etcount wide our ralend bent rn twee on ovardnh oq Ihsl checking account under the [cons of this sprermsnl and your eheekirrp oeeoum agreement Bt1Unp Cyelc to wder-omanape your eccounl, ws divide time irdo periods caged'bilfinp eydss'. Eeeb biting cycle h approzbnelely otu monthinlongth Poe eeeh calendar trtanlh, your nccwnt vn71 hen a bang cYde that ands in that montk Year sccount wit hove e bilTmp tyeb tmdiag fie tech eriander month whether or trot Ihan Is o biling statement teethe[ bllfmg [yds. Auttrodted Users U yon etlow someone to ass your attonnt, that person wrTl be as outhotized nett Yor should think canfullY haters mowing otryone to become lip eudtotfzsd user baeense yon era aiov+irtp deal parson fo use tin eeetrtmi as you ten Yau wdl remain nspoaslbls for rho use of your rtsounl snd sseh urd teased on your account eteording m the terms of Oils agnomenL This btcludes your nspons'b7ty for paying etl charges seyour sceourtt made by en euthotizrd vane Yae m rgquest en eddnionsl card for use by ea ernhtvlred asst on your ecconnt 11 von do so, this art r,nl may rppv:. on the cone report of that euthorlre: •rer Yor must notify ns to temdnela on eulhodud user's prrmissioa to use your account U you notifyus, tvr mayclosa rho account and/or issue a new card m eerdsv+ith o diflrront eeeountnumtrsc Yoe should aiso stover snd destroy any cords, checlu ar any other moans of eccass bo your reeourd from that avthorited user ~rsdil j1eo: Yonr tn~Gne eppean on your billing statsmerils We may also color ro the eiedrt Gen es a uedd Timh or spmdfng Tmid. Your 6i(ing statement also moY show that ordy o prmlon otyourenddgna maybe usadTar ebsh edvsntes. techedroetoc,indudng cosh advance ~hoeekkss,, era cheeped egairtsl tin rash advanta portion of your credit fine, zed ag ttdter upnsatdone ors chorgad against yew aedk Gns. Yau err rossppoonsibls for keeping V:ck of your access[ 6elener, ineludng orrY toes and !'manta ebetpss. snd makirrg sure tt remahlt below your credit line 11 yyoour account bolancs is ovaryoar ctodlt tlns far eery re sane, wr msY charge yav en overlimlt Ins as described In Ihls agreement Wr mry, but o rs !rot nqulred so, evlhorke chargac that go ovsr}rour cndt fma • You must guy coy rmauntavv your uedk Tmo, and you must pay us lmmrdiataly B wa ask you to ar Thh epnsmanl eppGrs W any bdnnn over your eradk line M At orrrdacretiau,vn'moyincreasr,reduce, oruncolyourcreditGne,orthecashadvann ey portiw of your trader fine, e1 arty thna Howsvar, it you Nova coked us not to do so, ws to wiinotlncreesryovrcndiliao AchangemyourcndhgnrwBlnoleHectyourobGpuion s to pay ns g InlnraeUonal 7!oassWioas Inlotaailono(VsnsscUons bdude arty Varuacilon wet you mak a bt a laroign tprnnty m lhet you make ovlcWs of the United 5utas of Amtuke ores h G it is mods br U S deters U yov mats a lransscdon b a (vroign cursory, Pisa 7 Inlernadonet rs TJleslsrCerd Intaraailsnel, tnc„ wBl comron the trmsectlon torn U S ~ do9sts byusing its nspettive turtancy tonvarzlon preeedurst 7hs azehenpe eta each d entity uses to cenwrt wrronsy h e eta that it salat:ts either irnm 1hs nnpe of alas weiTrble In rho wbolasala currency marbts for the app&eebls processing Bela iwNch ~ tale may vary Irbm the nL the respectfvo snilty itcai raearvas~ or the tl govarnmapt-isurdelad sir is sRat1 on the appkcsMo procassiog data The tale a sHsc! d on the eppliepblsprocastingdalsmrydftlartramtharetaonlhsdetegouuasdyourcard m,.. w aeeount.VNa retervs the right to charge yon en eddhionel thus porwrd i]Xj of the s US doiusmorro<clanylnternadonaltones[don,whetlrarlhetVmsattionwasaipMagy u mado in U.S, dopers w wet made to wothor wmneY and eonvsnad to U.S. dollars by Visa or Tda~erAfd br dtbar t:sa, the 7% WIO bs ulculstad oa the U. S doper amount provldrd 1o usbytfiatrnilty The srma grocers sndchsryes may spplyil anyinlemailonel r trensattionistsvarsrd. a AeiuseltaAulborira7rarsasileos:Wamey,bmeranotrrquiredle,decGnaetnnsecllon v onyouraeeonrsforenYolthefogow)ngtsasonr. t • because of opatedonal corrsiderslions, u • beeausryourser;ouMlslndaleuN• r - H we suspect iruudulonl or unlawful activity ar, • in :wi die:rStioa !o: cry other nrsr.ri. We ors trot rasprsrisibsa for anylatsrs II a Vansetllon on your eccounl )s dscGnsd for any scans, eilbatbyus or a thBd parry, rvan a you have svtfirianl credit ovaileble. For online transactions, we may squire that you ragiatar ynur ectouM with an suthotaetlon system ilte[ wa actor[ Wa xnll notify you it we went you to nghtor H you da notrap"uderwa may decline your online Venssctions Aefursl to Pay tbetkr. Eeeh check you wrUr is Your rsgt7sst for lands. When vn teroivr - a check for payment wo moY ~„'+Y°tlr account to decide whether ro stnhorize that chat[, We ~w bates uotregrirsd m. reject and return unpaid a check for any torsos, Irrelndmp the fogowing azemplar. - - _ • Wa or one of oar ralamd companies is the poyea on Iha chack_ • YnnrtredttGnaoroashedvennpoAioaofyourcred)lfmohrstreenascsedad,awosld lie sxcaedtrd-lwa ppaid the check °~- •The cheekfspast-deUd 11 s pest-dotted thatkar paid, rosuhinp in ~nothsr chant being ratumed•breot ppaid, we era not responsfhh . ~ ~ - - You have used the check ohrr lh~ dale spaeifrad on h , . •' ~ a . .. •.,Yos ors in daieuh of wordd ba if ws geld ws thatk_ - ' - - - - • .." ` Lost W Sloleu`terds; tgeatks or Actarrnt Nvmtrat~ If any card, cheek, account number or other corers m ittncs your etcount b lori tx stolen, or you thlok someone used or may use than wrUroul yew permission, you must notify trs et onto by eating the Cerdrrtombtu 5ervica telephone number shotvn oa your cord or bdGng statement Oo not use your eceours aharyeu rwtrTY us, one B your card, cheek, steountnumber W other morns la cocas your account h found or raWrnsd. Wa may termineto or suspend your credit priviageswhan you notify us o(ariy loss. thah or unauthoraed use related to your etcount Ynu may ha'n!Ma ri thorn is,menrr•nr:red :rsa o1;~;•: etc!vnl !•t-:n x:aka yc:i rr.:h. na bensCd, btnyou soft not be table for mots than SSO.DD of such tr:nsocGorrs, and you wit not be Gable for eery snch Vensectlons mado oboe you nottly us of the toss, shah or unetrdtorired m-Hbwavm, You must identify for vs the unetrlhtxized chergec (rtrmwhlc)r you received ao bensfd. Wo msy rsgtitro youteprwide us inlormalion in wdtinp to help us find out whethappsned. We may oleo ngtrin yes to eompiy with casein procedures in eonnaeilon with our imrostfgedan. PAYMENTS Peymenl lnsiruttinna Your bAAng stalemanl and nccompsnying envelope include inslructlonc you most logew for mekinp paymerrts and sets tort the date and time by which vva most strive the pryatartt You ogres ro ppey ut smtruttts you owe in U S dollars drawn on lands on deposit in a U S. Gnsnclel lnstiution ar the U 5.6rench of a lorolgn Gnoncia(institulion uslnp a payment chock, monsppordara enlometfc dobitlhatvrtll ba processed or honored byyour Gmnrle InsdWtlort Vye tw'll not accept tech peytnents Your total evaieble credd may nn1 br restored ttu up m 13 days char wa rsceiva your peymont AnY peymeM cheek of arbor lo.m •>f nn;:aenl which yo;: send to firs I:.• I.u Wen the Ivl n Dante mot is marked "rrid in Tale sr with a simflu n of odes or that t ;u otherwise tends, In fuA tatisfscilon of a daputad amount Isondiilonal peymettts}, must ba sent to us et Ni conditfonelpaYmantsaddrecaistedonyourmonthlystetsment Werrservaeiourrigfit: regarding sUCh prrmants For szamph, tl h is determined theta Is no vrtld dispute or ! airy such peymeale: received al any other eddreas we may eeeapt the peymenl snd yet evil aril [rave any temeirdng balertca Vl'e may tr~vso to accept arty such payment b rsWminp it to You, not cashing i m by dasvoying it AU other payments [hot ycu met should be sent to the rapnlrr pepmanl eddnss shown on your mamhly statements We nserw the ripM to decvonieeip coiect your alipblo payment checks, of fire presontmentsrrd any represenunant. Irom the ba nk sccount on which the chackh drsrvi Our rseelpi of your payment ehrctt is yourauthoriretlon for us to coiaclths emounl t EXHIBIT Z the cheek olocuordcaiiq, ar; if needed, by a drab drawn against thr bank account Payment choekc vupt be repeated slatuonlceUy bysendlnp the check emaurd along i with the thaek, routing and account numbers !n your bank Your bank accoonl may bo dabbed as early es the tams day we rrcahro your peymarU The orlpinel payment check wig ba dssvoyod and an image vrlil6e mainleinad in ow records f~SinFmnm Payment Yau ogroo u goy et leeri the trrinimum pnymenl due, es shown on your bUGnq ristamorrL so that wo roce'tva $ by the date and time payment h due Yau may pay more than lha minimum payment due nsd msy pay tfi. lug amount you owe us al any lime. U you have a bolenee thol is subjati to finance charges, Iha soonef you pay us, the lass you wib pay h fmante charges because lmancr tharges accrue on your bshneo each day Your 6ilGng statement shows yew bopinninp bafenca and your ondbrp balance )the `New9shncs otryourbllbtgstatomsnt) UlhaNawBaleneeisS100gorhss,your minimum payment due wig ba the Now Balance.OUrsrwlsa, it w~ be the largest of the (opowing:SiBltut2'b of the Naw Balance; other sum of t% olthe Now 8olasco, tats) bllad pedodie rrle fmanee charges, and ony 6Nrd late and ovetlirnit loos As port of the mlhimum payment due,wo also sdd any emvunt past dur and any amount ovsryour crodrlllna Payment Allaeatlort You agree Ural tea era evthurkod to apocela your poymants end ersdhs In a weythat f: most levarabla to or convenient for ut. For exempla, you autharfso us to applyyow pdymants end eredNs to balencrs with lower APRs touch as promoUonel APRs) bolero balances tvkh higher APAs Cridh 8alanter You moy rapuaal a reload of a crsdd belonee at any tlma We msy reduce Ure tmounl of any crodil balance bythe amount of now charges or ices biped to your sesouM Autometta Charges: You may suUwrhe a third party to sutomatlcelly charge yew e [count for ropaet IreneseUons lfor example, monthly Wifi~ tharges, memberships andfnsuraneepremiutns) Uautomati~charges erasupped or arryreamn(Irreluderp bseeuse yew steonm is elasad er suspended lot arty reason) ar yew account number changes, yon ors rosporrsiblo for notUylnp Iha bUlarand paying Lhasa chnrgss dtrocUy If your ecctwnt tromber changes. wo rmy, but are not.tegv:rod la, pay Irc•~ yownew atcwntnumber charges Ihot you ovlhmhed to be btpadto year old aceovnt number Promotions: From tlmo to lima wa may oNer spacial [arms for yyeow account Ii we do, wo.wlfl notlyyov about the terms of the otter end how long thaywd! be In oNacl Any pininbtlon ircubjecl u Iholermi of this agrecmant.-es modiGod by the promadond oNos FiNANCE_CNARGES l]ntlrI 1'eriodle Rous and Annual Pereenlspe Aotsa: Youfsnnuafpercantepstates c'APRS7 and the eorraepondmp dally periodic rates are 6stod an the Rotes and Faer Table Ihat u et the oh of tide doeumont or provided rapsrately To gat the daly psdadl~ rote wo divide the APA by365, end m ottesi elwnyc round up al Iha Ghh plree is the rtgfd o1 the datimd point _ Voria6la.)t`6tea:0ae or moraRPRs rhos epplyloyour aeeounlmeyvary vvith changer to the Prdetr Aeu WFisn yoe hove en APR Ihet varlet virrth'~drengat m rho-Prime Rata, eve cafeuleb the APR by addmg a margh-o iba Prima Aeu pubAtltsdtn The yNeth¢r~aerJourndtvvo.busi-rvrs days balers thr CloEinp Data cboWn onyaw WIGnp statrtnerrt The Trims Rau' h Liu higheri)tf.5 jAriiae Kato pubGshadan tltl[[g~M_.anay .. Rates section of The yysYSfroetJmrroal It TTrr WiLSvaorJaumefstopspub6sfiinp the Prima Rau, wa wiUsehtl a simper reforonn rsu and IMnrm you on your 6URnp siaumerd a through a sepereu nodes A'mergia' It the pereenupe wo sdd to the Pdma Rata to wkuteta t)re APR A 'business day is any day that is Cwt a waekead or federal ho6dey. Tha Rates and Foes Tebk straws w eh tarot, N ear en voriabte rotes h elan Geis the margin tar Herb varhbb me rnd ony minimum dsUy perbdk rate and cwrrspondrng APA Two business drys balers lira Geeing Dets chnwn on your odfmp ruumsnt wa ~aa whet the Prima Asla Is. We than add the appGcabfe marpm to drat Prhno Auo to pet the APR. The dally padodte rsu h esletr4lsd as deterrbod above If ow ealeulatlon nndlsin a change u a dopy puiodic rate ham the previous blUng eyely beeeuse the Prbna Rots bat ehenged, hke Haw rata veil apply es of rho lust clapp of yaw biUfng cych that ands in the calendar month h whkh vva mods the calculetlon Ifthrda8ypariodrrrsulnc-eeras,youvdUhsvetopayehigharperiodic tinoaca charge and may Neva to pay o higher minimum payment. Default Rettac Your APRs also may very it you are in dolruk under -hts agreomont or any oibar egnemonl yon hays vvlih us or s ny of our related compenfss for arty of rho lalbwfnp mesons: • We do not reeaiw, for arty psymont Ihet is owed on this atcouM or any other aceoum or loan with us. ei laosl the minlmtmr psymont due by the date and time due, • You exceed your cradle Erna an this eecount You make a payment to us that is not honored by your bunk • Tolherxtente8owedbylaw,U.nlerryl'anaoNeryovrecuuMitelossd,wodemend inunedrals yaymetd of your outstanding bsleneo and wo do not neelve psymont vAthht Cta lime wa tprrRy it any of these events oeeurs, wo may ineroase the APAs pncludng arty promodonal APRI on a8 boienns (axrisdinp overdreR edvsatrs) ep la a ma7iunum of Ito dobuit rate rioted M the Rates end Faes Table We msy consider the ln8owinp totters to datonreine yew dotauh tale: iha length of rims your account has boon open, rho aAStsnce, sarionmers end Iiminp of the deletdlt on your ateourx: oUtori~cetions of your eeeounl usage and pedormante; )Mormotion about your other rolaUonshlps with us or any al our related comparder, and inlormatlon wa obtain Irom constrmor Credit rayons vblainod Irom credU bureous Ths doisui[rat-vAll lake oHotl as of the6rct eyslthebUUnpeyeleinwhichthedelarrltaecurs,bndrutapplqupurchese batences tram the previouc bilfinp cycle for which periodic finance charger hove not beenoheadrbigod tl we doeida not Iri lnerensa yowAPR oven though there is a defeuh or i1 wo do hot Incraarti your APA up to tin maximum deleu8 taro stated in the Aelos end Faos Table, we reserve our right to ineroese yew APR la the overt of any lutura default Wa may h our du:uolion determine to cherpe reduced delsuM rotac or rsinstno stoadard tarot lei a8 or'salaetsd batences on your seeouM Fiaoacr cherpe Celtulstion-Two-Cyclakverego DaAy Balonco Method (iacludinp Now Parthesesjfor Pntcheses cad Aaarsgr Uely Bnlsnce fdalbod tlacludlnq New Tronaeeliaasj la ~Otbdr TroasseUao>~ Wo celeuleu pariodia frnanee charges roperatety for oath bel'snce assotietod wick a diliarertl category o! vansectlons )far oruunpla, ptaehasd;~ baleeeo venders, belanea vanslerehocks, cash edveneas, cash or)vaoee checks, overdrah advances, a nd oech promotlonl. Thera calculotlons may comblas dlleronl tateptaies with the soma daly pwiadlc rates This Is howl[ workr. ' Ws taiculeu Ihi pedorfie Gnenie sharpes fo- purchases in two slaps, as IoUaws • Frri, for each day of the 6gGng rycie, wa multiply the daffy baloncr by the daily porbnfle me . • Second, for each dey'tit the prarions bilpnp cycle we rnultfply the dopy balance !or purchases medtihthat bUfinp cyth by the same d sly periodic nto~ Rowavo vva do not do Udf so~orrd slop it we raeefvad payment is lull of the New Belanee onyour protdous bl6rtpriatamont by the dote and time lho tttirtlmtrm payment woe dur or it i psdodlt AoYnto charge was alreody bAlod on shot bafenca We celtulets the periodic fsunce charges f or purchesus subject to a promotional rots the soma way, but'we nn the prarnetional rsu We satculats pparodic fmann charges for bafenca venders, balance venslar ehetks, eesh adrente; eesh edventre cheeks, and ovardreh edvenees, by mufdpfylnp the dale balance for each d Ihose tateporias by Iha dept' patkdic rate for oech of those catepodes, arch day You hmy have overdrah advances oalyUyouhmra linked this atetnmt to a eheekFnp eecorml wish ens of our related 6anke- We aaiculeu the p~:irdh fmann ekargec lot bolonea transfers, 6efance transfer chocks, cash edver}cee, and Cash advance chetkr subject to a promotional rata Iha amnia way, but we use tlrs promationel rate To pal the dsUy balenta for Bath dsy for oech tstopory: • W~ take the 6eginninp botanoe for that day. • We. btld to Ihet befehce eny`naw vonsactlonr, legs, other charges, and debit edprstmenu thai opp-y to ~eslogory.-iNe add s asw PPurchase, each advents, balenta vensfer or ov'irdreif dvanea, f! eppGtebla, to the dally balance ns of the vettsattloh dtda, ar a hbr dale al our ehoin. We add a new eesh advrnca ehetk or 6ehncv venslsr Check Io Chi dally bafenca es bf the dau the tech advance Chock or behrrce irerfsfer Check is daposled by s payee, ar s later dale a1 our eboite • iNa anbtroct frbm that boteaco any payments, crod{ts, qt credit sdustmonts that eppfylnthatcetaporyrndiholere crednnd ss of shot dsy _ . ;._! }.44ra tfRat;~ trodit helsnn ar.a balenta of :are To pet t~if lugimdiry-6ele'nc? idr each cetsporytorihe rtoxt dot', wa sdd Uto, detly.•-. ~ _-. psriodle fmanee ehergr 1o Ure deAy balenta Ii mare Ikon ono dally periodic role -- _ could apply-1o a category, be~pusa_the rate for the tetopory may very based an Iha amouttl of is avenge de y boienca,•~a wfU.usa thn'daby poriodle rsu that oppfres _ .... , fortbe avanpa dally behnee amount of the and of the bpfmp cydo to calculate the dally pariodk Naenee-eharpe Bath day Thfs aprasmant provider for daffy eompoandmq of finenee charges _ To ppot Ure tout potiodle finente chorge for rho blGnq cycle, wa odd all of the daly periodic Cuurree tharges Jot oath eetogory for sorb dsy during that brTl'rng cycle, pWs the dailypariodlc Ansncv chupa: on purchases, U erry epph for the previous bUlkg tyeb Htnvover. N any portodle Monet nkarpo is daa, wo will ehnrps you ~t least thr tnWanaa poriodla lmenca cherpe rialyd Iq the Aates end Fees Tebla II k is neeercary u add on oddidonal emoual to reach rho minimum finenco cherpe, we add that amount Io Iha belaner torpurebsses mode during Iha 6lpnp cycle Ths ioW Iktsnce ehatpa od your nctounl for a bfUGrg cycle wIU be Iha sum M rho periodh lmenca cheryac phs any hensattlon foe lmanee charges. froraath celtrparywe eoleehu on average depybslsnca {mttatAn~pp nowvencactions) for hhe 6AGnp cycle by addmg ell yew daily bnhneas and diridfsp Ihet amount by the taatrber of days in the bilGnp cycle N a periodic fmanco cherpe for purchases made during the previous blGng cycle erpGes, the avanpa dopy balenta for Lhasa purchases h celeulatsd the earns way 1 ysv muWpiv the average dopy bolanca for e totagwybythalcatapory's dally pariodrc rate, mdm~ uldply lho resttkbyths number o! days a tba hGGno tyeh, the Lord w(p eQnei Un periodre Rnanes charges for Ihet bahace attr>buteble to thetbi~np cych, except for minorverfaUons due to rou~np Crate Porlodand Aaarael of Fnanea Chsrgoc We aeerua periodic Raanee eherpas on a vansecdtipier, orGnance charge Iromthe dau h a eddrdto yourdsly bdence until psymom br Iu11s retoWod on yew atcouM Novtawr, ws do trolchrrga periodic Gnonce charges on nswpmthears Weed during a M'gnp eytla U wa nceivo peymam reeoWad as 8on1 of ~ the date and tl•ns tour miniaarm peymam h des and wo p ym yom Naw Balance on your Prsvlous bR nil staumont by rho dau rnd tlma your poyroenf was due. This oxcepvon ar'prsce paned' apples Doty to purtheses and duel: not apply to belanea vanslars, bsleneo vsnator chocks, cosh advoneas, task edvonee shoe s or ovordreh advaneos, 8 eppGeobla Tnaseeliss Pori for Cask A'dvantar. Wa moy cherpe you a eesh odvanca loo in the ameuni stated in ibr hates and Fees Table for such of the IoUowfnp voncacdons: • cash edvence'ch6ekr, • Cosh odvencos e,9 ' In addaion, it you use a third party service to melee a payment on your bohall end the be raquirod m pay the otdsteading baledco on your account eceerdhrp to the farms of service chupes the poyrnanl la thk account we map chnpe a transaction toe for th^ th$ epreement in addldon,ta the uaont aiowod by law, we may mqulre you to psy the paymarri eulstantRnp balanta htmadiebly a at any rims char year accwnl is ehsed These trsnsacUon teas uv Reunea eherpes VJe add the ha w the behnte ter the raleted AABIT1tATtON AGAEFJ[ENT category as o{ the vensaetion date o(the tech edvanea Fa example, a transaction lea PLEASE AEAD THIS AGREE1diEM CAREFULLY. R PROVIDES THAT ANY DiSPU7E MAY for a cash edvaneo would be sddad to your cash advents batsnee ~ BE AESDLVED BYIBINDING AiiBITRATIDN ARBITRATIDN REPlACFS THE RIGHT TD GO TraasocGon Faoa tar Bahnca Tradslerx We may chugs you a bafente trencler ice in TO CDUR'L YDU WIU. NOT BE ABLE 7D BRtN6 A CLASS ACTIDN OR OTHER the amount statedfa the Rrtoe and Feas Table for oath of the following trsoseetlons: ~ REPRESEMATIV& AC'i1DN IN COURT SUCH AS THAT IN THE FORM DF A PRIVATE • balance transfer chackr, ATTDANEY GENEjiAL ACTLDN, NOR WILL YDU BE ABLE TO BRING ANY CLAIM IN • brhnea traerslors. ARBfTAATIDN A&Jl CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YDU WILL These vensscUon has ero finance tharpes. We addthe tee to the balance for lho related NOT BEABLE ~ PART,DFANY BASS AC'i10N DR DTHe9t AEPRESENTATTVE ACTION category se of the vonsactien dote of the balance ironsfat Feu axampb, a transaction fee for a balance trensisrwould be sddad to yonr balance tnnsler balance BADUGHT B~1]NE ELSE, DR BE REPRESEMED IN A CLASS ACTIDN OR DTHER REPRESENT ~icriDN.INTHE ABSENCE DFTHIS ARBITRATIDNAGREEMENT, YDU AND W f WISE Y ' A OTifER FEES ANO CHARGES E MA , E t H VE frAD A RIGHT DR OPPDATUNITT•TD BfUNG CLAIMS Ws maycharpsihategowinpleosThaemountsofthsseleuerabstadinthsRatasand iNACDUR~9EFDAEAJUDGEDRJURISAND/DRTDPAfiTiCIPICIEOABEREPRESENTED IN A CAGE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTRINS AND OTHER Feas Table Thaw leas wiU he added !o the balance for purthsses made during rho bitting cycle- SC iTH ) Annual Mambonldp Fax U your account has an annual mamborahip lee, h wiU bs b1Uad TO A DUFR, bUCFl AS D OVERY Of E AIGHT TO APPEAL THE DECISII N MAY BE MORELiMRED gCCET?ASOTHERWISEPROVIOm BELDW THOSERIGHT514REWANED oath year or En monthly iasblbnents jac staled k fire Rates end Fass Tafdol, whether or o t b ~ t o y , giadrngArbilmUon,ThkAl6itntionAprsemsMk made wsvonlto avansactionbwolvin e a ~ a tha q u v+kh t o tlose your aecourd vbUrfn 30 nan•telundable tedesa you n~ k us s i h b t idtsratam commyrta, and shag be povarnod by and b mforcesbb under the Fsdar t ArbUretioa AN Ithe'FAA'1.9US C.51•i8 as h may bs emdndrd Thk AririvationApraomanl e annual mem ership oe is da o[ Iha daU we mei your b116ng sutettrant m which t cha~gadende[thesametons,youpsyytdlroutsbadmgbelenceinfuUYourpaymentoi celsforththedrtcwnstenFesendprocednrornrrderwhichcfofms(asdafinad6alowlmsy ba rosoived 6y arblireden instead oI befog Gtigebd in contt the ennuet msmbatshi¢¢ ba does trot aQaN our dpht to close yanr account u Gmh your right to make trelrsetliOrts on your account Ii your actouM k closed by you or us, v+e Fettles Cwsred.Forihe purpoeos d ihklubUretion Agrsemont,'wa ;'us ; snd'our' also wipcoMinuetodrerpethaannnoimombarchiptaaunUlyoupeyyouroulstsndhpbaianta in full and larmineta your account reietionsh p 1n~desoruparonl.subsrdmnac,oftiofes,Ucansaes,pradacessorc,sutteasrxs,assignr, ony purehesar nlyow Aceourtt, and ei.o1 deck ofTrcors, duacton, employsee, agents, ' ' into Fox If tae do not receive at lees! dta requUsd minimum payment by Iha data end time ills due as shown on your bipinp statement for any bUUng cycle, the msyy ehsrge the we tea k be d an o 6alence II th t h d F T bl t i R and essignc wanyend aU olihom. Addhionally, wa; us end'ouf sbeRinclnde any third party proridinp bsnalits, senrites, or products m tonneetlon w)th the Aeeaunl fmdudinp but rrol Untied to credo burnous, msrehents that accept any credKdsvico Issued under sa , eWs an aec e e a s o a n r tote fee tfrowlt cutrriatu dru lat+ tae 7sing Iha Previous Balenn ar the torrent rnonlh'a stolamont that 'the Account, rswerds proprems and oarteimsnl saivtt ~-, credit insurance compcnies, de6l taieNors, end aU of their offttots, dkactors, ompbyees spoofs and ro rassntsdves) _ onth"8hstelemsnt lo~whieh we d d not roc ive et l ast the requfrad mierhnum peymehl , p il, and oldyif, sbeh a third psrtyk named byyou ac a co-delendent in any Gabe you essart by rho dale and time h was dos Dvarilmit Fee it yobr-sccouM behnte is ovarypur torah lineal ony lima during s bUGng cyth, wan U oMy for a day, vve may charge ^n overliodl fee Wamey eharga36kldp- e egeinri us Claims Covered. Efthu you or wa may, without rho other's consent, elect mandatory, bindmp etbivoUoa of anyy tleira, dkpuu or convovarsy by sfthor you or to against Ure ~ othe~erepbinttaha employees, pttrotus, subridluies of atss bene0cioriss e sntt or d evenU your behnte h werthe credh Une botsuso of a finance thsrga arise we impos mars theg ono over&mh ha iqr any or a tnrrsecdon wr sudeaiud. Wa_wiU trot ehergtt , , , p . ne~g^s of the o1hoS arkinp Item or refe6np in•eny tray to rho Cordmatnber Agreement , bitting cycfe.~But wa may eluu`Be nn oVsdnnit lea in subaegnsnt bii'drp sysb; aven:il nq _ __ yptforCudnnmberAgmement, pvursrddn teMAeeount orthe edwrtisinp,appUcedon ar-epprovai of your Attounl rdean7. Thk Arbitration AproorneM governs aU Ciahnr now trensoetions are made on your attounl, i your ereouM balente ctRl k over your eredltlma.efanytkna dutfdprho subsequent MUinp syebs , r, _ _ , . tvhethu sorb Claims ere based on few, rialuto, conuacC ngulelion, ord'menn, tart, Aetnrn Payt-ien! Fee: U hl Year psyment chock or slmier•instndnent knot honored,{bl-- ~ taw tottsUltrtfonel provision, or any hgd theory of Isvr sneh as raspondeet supatioyor.epyolharlagel of agtidableground ondwhether such Clehns Book as nmodier anarttomaticdrbitorolherahcUoedepaymantlcnturrrsd.tnrpaW;arfgkwa~muslrotrun ri piymant~tWFkjEprAusa itfsaoG,siQrtpd ortennvl~4prooossad t+pl,gtpy ttlacgti a money deawpas,panalUss,irtjtrnelions,ordachratoryorsquiubhra6aLCleim~sub)act, totlrisArbhretionAprnmerrtmtludaCielrtsropardrnpthasppgeabRnyoithkArbhration return peymeM foe. ~~:: Rolrtrn Check fee: U (a)we stop payment an a cash sdvento cheek or batance trahslar .. Ayrssttrottt~srUty;YaGdity~Llhis~rA•~iLdmamber rsemerlor a _ _ ryprfarCsrdmpenbar , Agreement This Arbiuatitm Aproement indudss Cis that erase in the pest; or edsa~ `""`"' ' "` "' .° cheeiCst:yrour regatt[dr:t~!!larn rofuse;to peye eashadvente cheek or bolante transhr chock, we may thugs p rottari cheek tea , •-,~ - , ~:_- :... h tiro present or the (utura. As used in This Arbivttion Agraemorrt the term Cieim is to ., fie given the luoedasl pocsiblomoanLnl• _. AdminlslrelitroFass:lfyouraqueats~opyotebUltnpsbtgment,alatdrehwother record of your aeeotmt u i yoo request two to mom cards or any cpedsl ssrvisas (tor ClrfmstuhjegWsrb'dratioaiodudr~leknsthetoromodeascou^lordaims,erosselnims, ~'"~~"`~ third party claims, htorpleaders or othotvmse, and a party who InUtslee a prxeadlnp in mwmpl0. obtefidrep srerds on m eKppadfled bash), we may eharre you tat thaw servius Howtevay wa wit not ehsrpa you for eagles of bRling statomeats, safes drehs or simgrt uestita a blpng sputeyoumeyossertapatnsttnundereppflcablo docunuMsthelyos ra court may elect erbius0on with respect to any such Galore advanced in rho lawsuit by airy party drparlfet• ~ a arty services Gcted above end otner s~rvites we provide, Iha law Wo tney thsrga As en ezeoptioll,lo thk Arbitration Aproemsrd, yea retain the right m pursue in a small ' l i h d l i i ' , tees from tfnn to Limo in eHact when vve otter the aorvft.. c a mrseourtar yC s mt s+v et hinthateorm sjurisdrtUon endprocsedson an1ndivfduai Gaels if a party rleelslo arbfveb a Claim, the etbiuaUanwiR ba eonduetad as an individual DEFAULT(CeOLIECPON attion. Ncibcr yet 1101 Vn agora la ally srblv6tion Oa a :hr. ur roprs~:xaU:. basis, Wa msy censidor you>a be la dalavU it any of these occur: end the erbUretor ahei heva no errthority b pratead on saoh beak. This moons that even • Ws do not reeeMe et Itari the minimum amount duo by the den and time duo os shown i a doss eeden bunuil of other roprosentetivo ectioa, such as tint id the loan of a pnvota on year bDfmg stelsmarv snorney pensrel ectfen,k (Red, rirC Claim between us related b the issue: rehod in such ' • You exceed yew eredh Tree. IswsteUsi-w i be subject to an Indivldvel arbivetion dolor R eflher you or we so eleel • You tai to comply with the terms of this agreement or dnyaoreemant with ern d evr No arbhigtien Wit bs consoidetad with any other arbivotion proceedmp without the retotad compenres. toneeM of ei peniet The only LTshns Ns1 msy be joined in an individual eeGon under • WB Obtain k1lWmatien Iha! Ca11SBS Ur to beGeVe 111elyen may Da UIIWiTlrng er Vrreble to this AfMtrotfoh Agreement ere (ij those bronghl by us against you end eery to-appGcenl pay year debts to vs or b Where o^ time tc u lie for bankru • Y Iaint oardmtun6u. or aethorfzed user of your AeenrmL or your halm e- your trusts in b k t b (21 h h b p y o an ose rup t cy a- rovp l y you end erry to-appiiuM, joint eardensmbor, or • You beeorm incepackeled or In Iha avsnl of yrrur dnth. , euthmitvd user e! your AeeouM, or your hairs or your Wstae h barrkruptty apeinri us Il we consider your eet:ount to be in dNetih, v-r may Goss your account without nodes Inilieliod of AriGlntfos lira party RDng a Clehn in erbhretion must choose one of the and nquhe you to payyew unpaid balanta irrdnedialaitr. We also msy require you to pay logowing two arbitretidd edminislrstorc Americsa Arblvetlon Asseeladon; ar NtUonsl iMerasl el itN rob of tyro pueetd (2%} a mtmlh oa the unpaid balance when we deem Arbhrelioe Fornfn.Thece edtrrilnstralots era Indapandont from us The edmbd:vetor does your eeeataet b ba sbt of tnsre biting eyehe post due. not condutl the;erb'dnUon ArbRreUon is tondusted under the rubs o1 the selettod To the extant pmmitted by few, H you are in delauh bet:ausn you have faiod to pay us, you wRlpry our eoieedoa costs, attorneys' Teas ctwrt tests. area aU other expanses of arbitredonadrtlirystretor ~ on importiel thkd petty chocan in accordance wAh Iha rules al the soiNet ArbWetion odminlstretot end as may be provided In thk Arbitration ~ eniordnp oar righb under:bis evreomenl AgreomenL A orbivelion hearing the! yon attend shag be held at a place rla:ea by C[051NG YOUR ACLL'UNT You may close yew eteoued at troy time if you tail us to floss your account. we may Iha orid(retor pf Orbitre.4Dn edmeM-alrstor within rho federe! judicial dfatrl:t In which you reside of rho tiiga rho Claim k tied, or al same other piece to which you end wo spree In require that you eonirm your request in wrhing writing Yon msy obtain topics of the turrenl rules o! each of the two srbhrouen Wo may elatro your aetouM et any time or suspend year crodit pliwlegss at any time for any reason avAhaui prior ralica except as required by appite6ls law. ti we erase your admidistreters,lniormadon about arbitrelion end nrbivetfon lees, end inswctions for inNetinp erbluedon by tomsttinp the arbitration edminktretors as foUaws eeeoteM. lira vviR trot ba ReWe to yoo trey any consaquancot resuhing Item closing yew ~ oeeouM or suspend6ip your eredU privUagaa Ameneen ArbitraUoa Aasseielion, 335 MedisDn Avanvo, Roor 1p, Nav+ York, NY 10017.46D5, Web ekes wwwadcorg.BDO-77/•79'!9; or If you or wo close your oteotml, you rnd eery suthorizad utert meri kmmedfetety slop NoOenef Atbitrrfied Felony, P.O. Baz Sp19t, Minnsepofis, ihN SSODS, Web site: usurp yew ectoum end dariroy sU cards, checks to othermasns to access your oeeouM ~ v+wvw erbhraUon-locum eoirt, BDW71-2371 YoarRdlltorailwatnbarwpmrsibklolehorposloyour o'rrelurnthomtousuponrsqusst Pratadnrasandiowappiitnbfainarhitrallon.Asinpfs,navvolarbivatorwiUresotve attounl even it they an made or proevssed eheryovr eccourrtls closed and you wiU Cletms.The arbftratorvall shhorbe a fowyarwkh at tooctten years exparionce or s relirrd r ; . ? c; C6AA i2ii: or former judge The arbUralian wID be eonductsd undarthe apppcable procedures end rules of the e-bpraUoa adminisUatorlhet ereia aUocton [hedole the ublUetion if you think vrehave, y-porird ineceurals fnformaUon to s credit bureau, you may Wrila t0 as Dt Iht,lnemlmf Service address Rstsd on your bilDnp steumenL h Rtad unless those procedures and rules ew iecoruRUnt with this Arbhrntion Please include year tarn, eddr~ss, eceovrd number, telephone number and a brief Apreemard, in which rose this Agreement avN prove? These procedums end rules may Rmit the amount of disrovary evapabto to you or us The uhhrsror witl opply dascripllon of the prooD~,pm 11 aroibbls, please provide a ropy of rho eradrt bureau ropori is gaesUon Wo tfall promptly investlgato the mettsr end, it oar irrvosUpeiion appgeebla tubsientive law tonsistem with Ihe FAA and apppcaWe ststutec of shows Thal ynaate rigs we vri! conrocl each tredrt bureou ro which wa roporied fimitetlnru, and will honor eleims ai privRegs recogn¢ed el law You may choose to the inforntsUoa and tvlbrsquasl they correct the rayon if sus disegroo with you shot have a hearing end be rapresenled by counsel Tho arbitrator will take reamnablo our introstlpeUon, ors vrilt loUyou in wridnp or by lalrphono Wo will also notify Ihe steps to prouel customer Aeeonnl htlormation sod othw confidontiaf inlotmation, ' ersdit bureau the[ you dispute the Informadon unless you tat us know shat you no inciad mp fhe use or protrclfve orders to ptohibY dn:clasurs outside rho arbitteUon, longetdispute the info~mallon f1 requested to do so byyou orue.Tfr- srbilratwwil hew the Anwar to award to s NDTiCES/CHANCE OF+PERSONALINFDRtNAT10N ho~tho owurptoawerdrepo~orerainsLorbrlharbenefN iferrypsrtonwhois Wowilssndurds,6iYmgstetomoauandolharnoGcnatoyouaithtaddrsssshown in our flat. Or, ?Ibis id a joint account, we cep send biUinp sletemenls end notic not s putty to the procavdiinp ll the law rulhoriras such rolial, the erbiuatw rney award punitive dameprs or enornry lees Tito arbitrator wiD make erry ewa-d in es to ony joint eeeouM holder NaUca to one.ul you wUl by considsrsd notice to oD of you and op of youvrUl romak obppeted on Ihe account Upton i request by you ordus~the Iwb~rerorrw~ p id e~sbeel statement olntth Ii you change yew name,address, or hums, capalar or business tolophone number reesonr for Ihe awartl. or omaR address (il Y-•aa:oleel h rotoive billing atslemants err other notlcas online} Costa. We wd0 reimburse u for the In1Uat erbiuatfoo fiDn Ir^ ofd b u u to the Yo D P Yyn p amount vl SGDD upon roeeipl of proof of psymonL AddhlonepY p there it a hoariay , You must notify us Immsdletaly In writlnp et the address thown on your bi0ing sletemont. Wi may, st,oar option, ateapt mating address eortscUons item the ors w~ pay airy faas of the srtritrator and erbUredoe odminirlretw tot the lust two Boys of Urst hoerinp• Tfie paymrat of any sneh hearing toes by us wry be made Unllud States Posloi Sarviea~tirJo moy eoMaet you about your account. ineludinp )w ettriomw serdte w eoRatUon, et any sddross or lshphona nombor os wall as ' directly to the arbitnUae admirdstralar seloeted fry ypou or us pmsnent ro this any ceDnhr leUphens euraberyon provide us. TELEPNONEINONfiDlrWOANDRECDRDtNS Arbitrotion Agreemanl AU other fees will bs spotetrd in keeping wrath Ihe Nlos a( rho arbiVaUan vdrainisvetw end eppOceble law Nawover tae wry advance er lmbutta iTia toes end oUtar leas U the a r bit etl i ist d t bi t Wn, and if s ficsbia, owe sots Pp 9 .moYfirlantoandrntordyourlolephonecrliswilh us, You agree Ihetvve, end R appOcebfe our agents may do sa wh fh w g a r r on a al n rs w or rr tre w determines theta is good teases for requiring us Io do so w yon ask as and ors , , , a sr you or o imaau Ihe telephwra tap dourmina Uwe is pond touw for doing to Each petty wig beer Ihe expense of Ihe INFORMATION SHARING faas odd costs of that party't altarnryt, exprru, wiaressos, doevments end other You authorize us to share corieM inlwmetion eboutyou and your aecounlwithin our expanses, rogardlsss of which party proveiis, (or erbiuatioe end eay appPerl foe permltled bsbwi, oxeopl thsl Ihe arbitrator sheD apply any apppeeble low in femDy of companies, and with othersoulside ourlemRy of eomponiat including any tompenyorwgenftatianwhosanomaormerkmapnp oeronthatn d i determining whether a petty sfiould recover my or ell lees end torts Isom snolhot p r s,osporm riod by 1sw, Our P~i'ncy Popty, vrla:h h ptu:idcd tc you tvhen you first tec!ivr: en party. egrsemord ondelkattonco oseh celendaryeerdrerseherdoccn3es rurlnfarmedon Enfarrament, linslity, eppsslc Fnilure-or'sny dshy in onbrcinp Uds ArbhraUon sharing prsetieee end the tholeas you have and dbeeUons you may give us obout ApreememelarryUms,orinconnaclionwithanyportieulsrCleMs,tvUlrrotconsGWlo s weiveL of any rigble to require erbitreGnn u a later Ume or in eanneetion with any ow thadap d informadon about you and your ectounl with companies or arganhaUons wihin cad outside of our lemily of companies olherClslma:Anydscishrnrgpdatadiq:ruE>Zarirhralian~racsedurpwl'hbelmalend ' fi-LWOISCApDMEMBFJtS irndinp on the pettier, unlast a pbny appeaitinwdtktp Fotfib atburttion ofgihtzeUon~ 0 i hi h Ilprmk law prouldes that we moy not share. fnlonquUan ahem you with companios_ ' dsys of _ w t n 3 susnpo qt the r .The appeal must tequstt a n-w srbhraUon or othav orpatdutiont outside of our lamily of companies unless you authont:e rh before a ~enel of two"nauVelatbilrelars.~dgriggptod by_1ho, some.arbitratiolt ' ` o discbsun of linhas the dlsdosura logs under ennther oztopgon M the hw (such vrpenheUon. The psnelwr tl nroncider ell lerunf and bgalisibas en rw, follow lha er sharing inforrneUoa to process ywr lransectfeas oria resporus b e wbpoena) ' soma nrlts that appl1yy to s protsadmp using s singb arbitrator; and make decisions . _ Youhonby epnetfml, d yovchoose not to axnrcisti the epptltsbla opt out desedbad based an the. vate•gf.fhe majority )zeeh pally td0 haze their own la^s, eosin and ' In our Priwty PoRcw yon wiR be deemed Io ht,w eethod:od us to theta parsonnl expnnseslarobyepp anLblflttppt7Ymgyre~ovarartyweUhrt;xostsandoRpentas ' inlcrmiUonwahavtaboutyouGndodingintormationralntedtoenyolthaproducts from„enothgrlletsy; il:tht meRrrity o1 tlupend et erbiuetort applying afSpiiceWe . w servrees yon meyhovo with any of out companies) with eompenlas or other law, so"i(ftrrrtdnek.7lnswe ~ a~6ilro(ipl-yyt76e sefwcaabte as prodded 6y the .. ~erggrth twrrtoulrHs of owiempy of eompmies FAA or olhrr o' 6eo61e law court hs udrrllcUiin ""' ` -- - : ~- Pp b-anY g i ~ -._ - _ ~t ; ~ n" c 7HtS A`CREEnrErirr . .. -. <~: _: - _ _ Savarsbiltty,.~11Y1v L this ArbilnUon Apreerpnt shop snrviw: (i} torednatlon or Ws ton dal eniwc w ~o~ enlorce a of our i hts undarthiss " ' ' ~ - `~` eY fiD ni' W praementwilhoul ~ ~.; changes in tlisEa momboyAgtrameotabp,4ctotanaadrhe reledonsidp 6etwson r, losing our right to oniorta thorn in the Ilrtwe. I( etry of the terms of this egraemant you and us eonerrrrdng the Account, such es dro lscuinp of) new aetount nombor ~ eri kbnd to 6a unenloresobla, ail ether t6rms'wUI remeimirt W11 forte ,-_.:,; -. - _ ur the trsnelsrrlnp of !ha bsianea_In iho Account to another oetonnC (bi thv nssiONiNr~fl -~-~_..- benkruptcy olony petty or enpsimikr proceeding lehfeud by you or on your beholh and ilul payment of the debt m luR by yon or bf a lhbd party U any portion of thh Arbitrttion ApreamerH fs deemed invopd or unanloreosbls, iha rsmolnlnp porilone shop nauarlbelssa remain in forts CHANGES 1V THiS AOREf]rIENT Vie can ehsnpe this egresmard sl anytime, regardless of whether you have ai.,:ess ro your eceenrd, by adrprtp, deleting, ar modilybip any provision Dw dght to add, delete, w modUy prodsbnr includes Rnentialurms, sorb es the APRs end less, and oihw tatme tucb es the nature, sxlerrt, sad rnfommsnt of Ihe rights end obBpasons you err ors mrp Nava relating to this egreemeut NiodiOcetions, additions, or deletions s» tegad'Ct haagse' w a 'Change' We wpl nerdy you of eery Change p nqubed byapppable low These Changes may be oHociNe with nmin ordt; et rho Ume stated }n our notlca, In accordance whh eppfits6le law Uhiosc wrs stab otherwise, say Change wgl apply to the unprid belapcn as your eccoud end to saw jrensettionc Tho notice tvlM doteribe soy rights you msq Nava with retpoet la eery Change, end the consequences U you do or do not erterdss those rights For exsmph, Ihe notice moy stall Uret yon may rrotUy nt in vrrhinq iry a specl0ad data p you do not wont to occapt eariein Chsnget we era mnklnp li yor notRy ua in tvrit}np That you do not setept the Cheapee, your eecoonimeybo closed (R U is eat already dosed) and you will ba obRpsted to pryyour oirts~tandiny bafenra undor Ihe rppticefdr terms d Ihe o presment Ii yea do not notify us in writing by Ihe data riatod is the nodes. or i1 you notify u1 but then use your eeeount ahrr the tau stated in Ihe rwthe. you wig be ,:.r:,w-,rl to etcepl sU Changes in t`•e neGGe oedio accept and confirm atl 15nr.: e: your apraemsitt end oil Changes In prior notfevs we have sent you regardless of whatheryou have seesss tr your eetouM CREf]IT WFDRMATiON 1Ne may perindteDy redew your tradil history by obtalning inlormstlon from credit buroous and others Wo mayrsportlnformo6onabout you and youracrount to credit buroous, including your faUute to pay us en Gma. U you raquert addhional cards on your ectounl for arbors, wt may rupee account information in yarn name as well as h rho nernos of those other osopla W~ may rssipa your stcount, any amounts you owe ns, or any al our rights and obGgrUonc under this epreemenl m r third petty The parson to whom ors make rho esslgnment veN be smiUod to arty of our rights Ihe! we assign to that parson cOVENNWG LAW •. THETBiNiSANDENFDRCEMENT DFTHISA6REEMENTANDYOUR ACCOUNT SHALL DE GDVEP,A~ItND UPT:P,PHEiEC 111 ACCORDP,!CE :Y;;if;tDC-HAL IA'Ji;,;~'D, Tp 70 CONFLICT-OF-LAty PpW ILP[E& THE LAW pF DEIAWA E~Wi{E UE WE AND YDURACCOUNTARE LOCATED, WILL APPLYND MATTER WHERE YDU LIVE Ofl USE THEACCDUNL ,.. FDp 1ftFOPMATiDN'~ r, Please tap fhe Le 'ember Service toirphone mrmbw on your lord or bluing statementif you be gtrections about your account w this epraemont YOUR BRUNO RIB ~ • ~ .. llsapThis NaUc6lnr.Fjrture Use This Welke conttrlns " orient hrlarmetion obriul your rights and cur responsibilities under Ihe Feb CredRng Act NoUly Us M Cars DI Errors OrOaastions About Yaur Bill II you think your b1D Is wrong, w H ou nerd more informsdort shoal v Uertseclion on yourbiU, wrho us oe a aoparate shoat et the Cerdmomber Servlea address shown on your In'Abip ststetavnt Wrhe.ly us as soon as poasUrle We must hear Isom you nn later Iheh 6D days abet wa rant you the ~rsi 6fU on which the error or problem 'ppttr~j ruG::entekphor.!u..M4dofnysewtTnofpreserrryourrights In your teller, give us the lodowiop information: ' Your name and account number • Tho doper amount of the suspaeted error • Dosedbs Ile error and exploln, U you ton, whyyvu bogeys there is on error II you nand more inlormetion, describe Wa Item you are not aura about If you have authorhod as to peyyonr erodit eerd trDi automstieelly Isom your savings or checking eeeotrrd, you ceri step rho payment on arty amount you think is wrong 7o stop the Qeyrnenl your lottbr must roach us el feost three business days bolero the eutameuc prymoMis sehedulsd to occur. Your Rlphis And Our Responsibifides Aher We Receive Ysur Wrinea HnGee ~a ps a ni f QL:..::_: . c`k t VJe must acknowiedpr your !otter wrihin JD deys, unlest the hrva eorredad the Door by then thrnhin 90 deys. we must ailhor correct fha error or explain why we baQavo 1ha 61U r was corcect After wa recohra your letter, wa cannot try to coDett arty amount you question, or report you es deDnquant We can eenUnue to bDf you for the amount yon quasUon, fncluding finance cherpes, end wo can apply any unpaid amount against your erodit ins You da not hove to piy my questlonad amount whda wr ore invoslipsling, but yos ere suli obtipsted to peytho peril olyour biD that err noiln quasdon ll wa find tfiet wa ma do a mistake on your b91, youwip not hsvs to pay arty tbtonca the epos ra(eted fa any questioned amount II we didn't make a misleko, you may haw to pay finance chatgos, and you t+vdl hsve to make up any missod peymonts on the qursdonod amount in either ceao, we wiD send you a stalomant of the rmounl you owe and Ihr dou that it Ir due !! yvu lar7 to pay Iha amount fhet era tWnk you owe, Nre'may report you es dal)nquent However, it our ercploaedon duos not caUtiyyou and you wrilo to urw(-hin 1D deys talCmp us that you std refuse to pay, wa mus! Is8 anyone wo report you to that you have a qurrtlon about your Gip And, we must teD you the name of rnyone we reported you to. Wa must tad snyane we report you to that rho matter has bean sahlad botwoen us whop it finally (s Ir we dos't follow these rubs, wa can't collar! the first SSD 00 of rho queslloned ernaunt, oven ftyour bfg was correct. Spociel Hulas far CradR Cerd Purchasoc It you have s problem with the quality of property or servrcas Ihot you purehasod with a crodrt card, end you have uiad in paod leith to correct the problem with the marchartC You may have the riphl not to poy rho ramoining amount due an the property of sarvieos Thls rip t does not nppiy to chock uansacdans lhoro aro hvo ~mllations on this right (e) You muri have mode the purcheca in your herne stela or, it not wrUrin your horns steto, vinhin lOD miles of your currant meTnp addrosr, end {b) Tha purcheso price muri hsvo boon more then SSOAD. Those trmitodons do not epplyil wa own or oporelo the merelranL orilwa meiledyou th^ odvartisement for the proporty or sorvlco; - Copyright 01DD6JPMorgan Chase & Co All rights rosorved .. .. ,. _ ... .. ..n. .. .. .: .. &. .... . <... s. .. .. _ :i ~ - .. _ „rf / f'% ~ . M ~ ti4 } ,t ~,. r M ~ 4 7ago:c:: ti °~t.i~G . VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating to unsworn falsifications to authorities, that he is Ruben A. Alcaraz, Manager of Chase Bank, USA, N.A., plaintiff herein, that he is duly authorized to make this verification, and that the facts set forth in the foregoing Complaint are true and correct to the best of his knowledge, information and belief. Chase Ba ,USA, N.A. ~ ~ ~ ~ ? xk ~ o c T} V K ~ ~ t^. W =~ S ~ ~~r {.. .~~• L --~ 0 ~_ ~~r~-+-- r~T lY W ..e6' N W +.i O ~~ J ±~~ _~_ (~f ~r ` Yl ~.a ~~ J ~ O SHERIFF'S RETURN - REGULAR CASE NO: 2007-04613 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CHASE BANK USA_NA VS HARRIS MICHELLE D RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE the HARRIS MICHELLE D was served upon DEFENDANT at 1113:00 HOURS, on the 16th day of August 2007 at 246 HUNTERS ROAD APT 2 NEWVILLE, PA 17241 MICHELLE HARRIS by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 9.60 Affidavit . 0 0 Surcharge 10.00 .00 Yl~4~o't (~~37. 60 Sworn and Subscibed to before me this day So Answers: R. Thomas Kline 08/20/2007 WELTMAN WEINBERG By: D ut Sheriff of A.D. ,. U « IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. MICHELLE D HARRIS Defendant No. 07-4613 CIVIL TERM PRAECIPE FOR DEFAULT JUDGMENT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: WILLIAM T. MOLCZAN, ESQUIRE PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#05988674 Judgment Amount $ 3506.32 THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '~ ~ '' IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 07-4613 CIVIL TERM MICHELLE D HARRIS Defendant TO THE PROTHONOTARY: PRAECIPE FOR DEFAULT JUDGMENT Kindly enter Judgment against the Defendant, MICHELLE D HARRIS above named, in the default of an Answer, in the amount of $306.32 computed as follows: Amount claimed in Complaint $3206.32 Interest from date of judgment at the legal interest rate of 6% per annum Attorney's fees $300.00 TOTAL $306.32 I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA R.C.P. 237.1 on the dates indicated on the Notices. WELTMAN, WEINBERG & REIS CO., L.P.A. V a/ By: WILLIAM T. MO AN, ESQUIRE PA I.D.#47437 Wettman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 W WR#05988674 Plaintiff s address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7"' Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendant is: 246 HUNTERS ROAD APT 2 NEW MLLE PA 1724 ] .' ' ` IN THE COURT OF COMMON PLEAS ADAMS COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff Case # v ~-~~ ~ I v 1 ~- ~~ ~~ MICHELLE D HARRIS Defendant(s) IMPORTANT NOTICE TO: MICHELLE D HARRIS 246 HUNTERS RD APT 2 NEWVILLE,PA 17241 Date of Notice: WWR#: 05988674 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. PA BAR ASSOCIATION PO BOX 186 HARRISBURG, PA 17108 (800) 692-7375 PATRICK THOMAS WOODMAN PA I.D. #34507 WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 KOPPERS BLDG, 436 7TH AVE. PITTSBURGH, PA 15219 (412) 434-7955 ~,, ~ .. IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. MICHELLE D HARR[S Defendant Case no: 07-4613 CIVIL TERM NON-MILITARY AFFIDAVIT The undersigned, who first being duly sworn, according to law, deposes and states as follows: That he/she is the duly authorized agent of the Plaintiff in the within matter. Affiant further states that the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. § 521. Affiant further states that based upon investigation it is the affiant's belief that the Defendant, MICHELLE D HARRIS is not in the military service. Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data Center {DMDC), which states that the Defendant, MICHELLE D HARRIS is not in the military service. Further Affiant sayeth naught. i ~ COMM0111WEALTH OF PENNSYLVANIA RY PUBLIC NO~`~l~ Heidi J. Kelly, Notary Publ'~c City Of Pittsburgh, AUe9 ~ . 4, 2(1( My Comm Expres Member, Pennsylvania Assoclatiorr of Dtofarfes This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. fe /~ ,~' AFFIANT SWORN TO D SUBSCRIBED in my presence this (;UC-day of Request for Military Status Page 1 of 2 ,., ~_ Department of Defense Manpower Data Center Military Status Report Pursuant to the Servicemembers Civil Relief Act NOV-16-2007 13:24:26 ~+~ Last Name First/Middle Begin Date Active Duty Status Service/Agency HARRIS MICHELLE Based on the information you have furnished, the DMDC does not possess any information indicating that the individual is currently on active duty. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Military. ~ -~- Mary M. Snavely-Dixon, Director Department of Defense -Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50 USC5 Appx. §§ 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's active duty status by contacting that person's Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA may be invoked against you. If you obtain further information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects current active duty status only. For historical information, please contact the Military Service SCRA points-of-contact. See: http._//www.defenselink.mil/faq/~is/PC09SLDR_.html WARNING: This certificate was provided based on a name and Social Security number (SSN) provided https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 11 /16/2007 Request for Military Status Page 2 of 2 by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID: BFXZSPCQFEY https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 11/16/2007 C~ n ~> .._, ~~ -,-. ~ --r r-~ ~' ~ ~ ,D _ f > >> ~ ~ ~ ~ - T~r Mi T'" (~.'a '< ~ r ~ IIV THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CH-ASE BANK USA, N.A. Plaintiff vs. Civil Action No. 07-4613 CIVIL TERM MICHELLE D HARRIS Defendant NOTICE OF JUDGMENT OR ORDER TO: ( )Plaintiff (xx) Defendant ( )Garnishee You are hereby notified that the following Order or Judgment was entered against you on a (xx) Assumpsit Judgment in the amount of $3506.32 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession (xx) Default ( ) Verdict ( ) Arbitration Award Prothonotary BY~ /C . AR ONOTARY (OR DEPUTY d~ MICHELLE D HARRIS 246 HUNTERS ROAD APT 2 NEWVILLE PA 17241 Plaintiff's address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7~' Avenue, Pittsburgh, PA 1.5219 1-888-434-0085 L ~- s IN THE COURT OF COMMON PLEAS OF CUMBERLA i :D COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. MICHELLE D HARRIS Defendant PNC BANK, Garnishee, No. 07-4613 '='IVIL TERM PRAECIPF. ~ OR WRIT OF EXECUTION~~ (BANK .4'F''' •~:C)~N'f PILED ON L':HALF OF Plaintiff COUNSEL !~ ~ RECORD OF THIS PART` ,; William T. ~' :,lczan, Esquire PA LD. #47='." 7 WELTMAI\, 'NEINBERG & REIS CO., L.P.A. 2713 Kopper.: Building 436 Seventh :..venue Pittsburgh, 1'.'. 15219 (412) 434-7 WWR#059f~' '.74 ,:- . I• 1 /7 .~~i ~' ~°r ~ o$ i~ ' ~e a°' ~ ~ ~I ~ w ~ Q as ~~J ~er .~ '~ ~. IN THE COURT OF COMMON PLEAS OF CUIVIBEIZLt~,D COUNTY, PENNSYLVAI`IIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Ac±ion i;o. 07-4613 CIVIL TERM MICHELLE D HARRIS, 315 (p* St• Monq,Kt~o~'~e~.t•,PA tsolo3 Defendant PNC BANK., ~d~~la, Ca,x-ttsk Pi kB, ~ I~tll , PA !'IOl Garnishee PRAECIPE FUR VEIRIT OF I;~I' :UTION TO ~'tIE PROTHONO`I'AR~r': Kindly issue a Writ of Execution in the above matter... 1. directed to the Sheriff of CUMBERLAND County: 2. against MICHELLE D HARRIS, Defendant ' ®A'w ~' °1'« dabts ~'~Oh~ lpropnt~{.~ 3, against PNC BANK, Garnishee $ 350632 4. Judgment Arr~ount . Less payments of $ 360.04 Interest $ 184 77 Costs $ SUBTOTAL: $ 3331.05 Costs (to be added by I'rothonota~y): - ~ $ WELTMAN, '~'IEINBERG & REIS CO., L.P.A. BY- _~G/-~i~, v v William "I'. "• ale an, Es ire PA LD. #l47~~ ' 7 WI:L`fMAN, ?VEINBERG & R.EIS CO., I,.I'.A. 2713 Kor per. Building 436 Seventh venue Pittsburgh, P:. 15219 (412) 434-75.~~ WWR#0598 :i74 ~ * ~ R, oo A~ °$ a O O ~ a J ~ O ~ 0 ~o~o O (71 6~ O ©~ r-; 8 J ~~;: ~~ l ~~ `L-. _ .. t.. --v N ~.~ C.._ }'~,1 +.t -°67 R7 C°', n _,.~ ~_ ~..f~ rte` ::) h~ 5 ~' i, ~ _:?. C~ ~ I"P7 s 'xr~ :.~ O WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-4613 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CHASE BANK USA N.A., Plaintiff (s) From MICHELLE D. HARRIS, 315 6th Street, Monangahela, PA 15063 (1) You are duected to levy upon the property of the defendant (s)and to sell . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: PNC BANK, 4242 Carlisle Pike, Camp Hill, PA 17011 Any and all Defendant's personal property. and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $3,146.28 Interest - $184.77 Atty's Comm Atty Paid $157.10 L.L. $.50 Due Prothy $2.00 Other Costs Plaintiff Paid Date: 6/27/08 (Seal) C R. Longs notary By: REQUESTING PARTY: Name WILLIAM T. MOLCZAN, ESQUIRE Address: WELTMAN, WIENBERG & REIS CO., LPA 2718 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Deputy Attorney for: PLAINTIFF Telephone: 412-434-7955 Supreme Court ID No. 47437 SHERIFF'S RETURN - GARNISHEE CASE NO: 2007-04613 P COMMONWEALTH OF PENNSLYVANIA COUNTY OF CUMBERLAND CHASE BANK USA NA VS HARRIS MICHELLE D And now MARK CONKLIN ,Sheriff or Deputy Sheriff of Cumberland County of Pennsylvania, who being duly sworn according to law, at 0014:05 Hours, on the 3rd day of July 2008, attached as herein commanded all goods, chattels, rights, debts, credits, and moneys of the within named DEFENDANT , HARRIS MICHELLE D hands, possession, or control of the within named Garnishee PNC BANK 105 NOBLE BLVD in the CARLISLE, PA 17013 Cumberland County, Pennsylvania, by handing to DIANNA STOUFFER (SALES CONSULTANT) personally three copies of interogatories together with 3 and attested copies of the within WRIT OF EXECUTION the contents there of known to Her . true and made Sheriff's Costs: So a rs• Docketing .00 Service .00 Affidavit .00 R. Thomas Klin Surcharge .00 Sheriff of Cumberland County .0000 / ~~i~~oP ~, 07/07/2008 Sworn and Subscribed to before me this day of By De uty Sheriff A.D SIRLIN GALLOGLY & LESSER, P.C. By: Jon C. Sirlin, Esquire Identification No.: 17498 1529 Walnut Street, Suite 600 Philadelphia, PA 19102 (215) 864-9700 Attorney for Garnishee CHASE BANK USA, N.A. vs. COURT OF COMMON PLEAS COUNTY OF CUMBERLAND MICHELLE D. HARRIS : N0.07-4613 and PNC BANK, NATIONAL ASSOCIATION, GARNISHEE ' ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter my appearance on behalf of the above-captioned matter. Date: shee, in ,~d ; r ~-, ~ ~ ~ : =-r i. -~-~ ~- ~~ ~~. ~ SIRLIN GALLOGLY & LESSER, P.C. By: Jon C. Sirlin, Esquire Identification No.: 17498 1529 Walnut Street, Suite 600 Philadelphia, PA 19102 (215) 864-9700 Attorney for Garnishee CHASE BANK USA, N.A. :COURT OF COMMON PLEAS COUNTY OF CUMBERLAND vs. MICHELLE D. HARRIS N0.07-4613 and . PNC BANK, NATIONAL ASSOCIATION, GARNISHEE ANSWERS TO INTERROGATORIES IN ATTACHMENT TO: CHASE BANK USA, N.A., Plaintiff 1-6. In addition, the Bank has an account balance of $952.07 in account(s) titled jointly to the judgment debtor and anon-party(ies). The Bank is unable to admit the above-referenced joint account balance as a debt owed to the judgment debtor. Pursuant to the terms and conditions of the deposit agreement between the bank and the depositor, the bank claims a priority lien in, and a right of set-off against the account consisting of $100.00 Legal Processing Charge and must allow for the general monetary exemption under 42 Pa.C.S. § 8123. In addition, pursuant to 42 Pa.C.S.A. Section 2503, garnishee attorneys fees are authorized in an amount to be determined and deducted ftom the attached funds. 7. (Q) If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which funds are deposited electronically on a recurring basis and which are identified as being funds that upon deposit are exempt from execution, levy or attachment under Pennsylvania or federal law? If so, identify each account and state the reason for the exemption, the amount being withheld under each exemption and the entity electronically depositing those funds on a recurring basis. (A) No. 8. (Q) If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which the funds on deposit, not including any otherwise exempt funds, did not exceed the amount of the general monetary exemption under 42 Pa.C." (A) No. Date: count. Aug• '. 2~~~~ 1": 4~AM PNC BANK 412-762-6 ~ 78 No. 3314 P. 1 VE~F)ICATION The undereigAed hereby verifies that X am an authorized representative of PNC Banl~, N.A.; that the statements made in tho foregoing Answers to Interrogatories are true and correct to the beet of my knowledge, iuformatian and belief and that these statements are made subject to the penaXties of 18Pa. C.S. x4904, relata~ag to unsworn falsffication to authorities. • ~• ReE~•Chase DaQ1~~SA,-N.A.-vs: Micb.elle D. HarrYS~ Name a c o/ Position DA.'1'E: g(1 ~ b Lit-233946.1 C? n,, ~;.; ~. r~n ~- '.. ~ . ti* t- ~ '. ~r ~ ~ `y - t ~ } -- .~• ~-~ .. ~S:? :: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. MICHELLE D HARRIS Defendant PNC BANK Garnishee No. 07-4613-CNIL TERM PRAECIPE FOR JUDGMENT AGAINST GARNISHEE FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THiS PARTY: WILLIAM T. MOLCZAN, ESQUIRE PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#05988674 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 07-4613-CIVIL TERM MICHELLE D HARRIS Defendant PNC BANK Garnishee PRAECIPE FOR JUDGMENT AGAINST GARNISHEE TO THE PROTHONOTARY: Kindly enter Judgment against the Garnishee, PNC BANK , in the amount of $552.07, which is less than Defendant owes to Plaintiff and which amount Garnishee has admitted owing to the Defendant, in answers to Interrogatories. WELTMAN, WEINBERG & REIS CO., L.P.A. ~ ,( ~~ By: !~ ~ WILLIAM T. M CZAN, ESQUIRE PA LD.#47437 Weltman, Weinberg & Reis Co., L.P.A. ].400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 1521.9 (4].2)434-7955 WWR#05988674 I hereby certify that the address of the Plaintiff is: c/o Weltman, Weinberg & Reis Co., L.P.A., 271.8 Koppers Building, 436 7`h Avenue, Pittsburgh, PA ].5219 And that the last known address of the Garnishee is: 4242 CARLISLE PIKE, CAMP HILL, PA 17011 SIRLIN GALLOGLY & LESSER, P.C. By: Jon C. Sirlin, Esquire Identification No.: 17498 1529 Walnut Street, Suite 600 Philadelphia, PA 19102 (215) 864-9700 Attorney for Garnishee CHASE BANK USA, N.A. COURT OF COMMON PLEAS COUNTY OF CUMBERLAND vs. MICHELLE D. HARRIS and N0.07-4613 PNC BANK, NATIONAL ASSOCIATION, GARNISHEE ' ANSWERS TO INTERROGATORIES IN ATTACHMENT TO: CHASE BANK USA, N.A., Plaintiff 1-6. In addition, the Bank has an account balance of $952.07 in account(s) titled jointly to the judgment debtor and anon-party(ies). The Bank is unable to admit the above-referenced joint account balance as a debt owed to the judgment debtor. Pursuant to the terms and conditions of the deposit agreement between the bank and the depositor, the bank claims a priority lien in, and a right of set-off against the account consisting of $100.00 Legal Processing Charge and must allow for the general monetary exemption under 42 Pa.C.S. § 8123. In addition, pursuant to 42 Pa.C.S.A. Section 2503, garnishee attorneys fees are authorized in an amount to be determined and deducted from the attached funds. 7. (Q) If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which funds are deposited electronically on a recurring basis and which are identified as being funds that upon deposit are exempt from execution, levy or attachment under Pennsylvania or federal law? If so, identify each account and state the reason for the exemption, the amount being withheld under each exemption and the entity electronically depositing those funds on a recurring basis. ~~~1~~`~ ~ . (A) No. 8. (Q) If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which the funds on deposit, not including any otherwise exempt funds, did not exceed the amount of the general monetary exemption under 42 Pa.C. (A) No. Date: ;ount. A~~~g. i. 2008 'Q:45AM~ PNC BANK 412-762-6178 No, 3314 P. ~ VER~~~CA'TION ~. The undereigaed hereby verifies that X am an authorized representative o~ PNC Banl~, N.A-.; that the statetnenta made in tits ~oregoiag Answers to Tmterrogatories are true amd correct to the beat o~ my knowledge, iQformation and belief and that these statements are made subject to the penalties of 18Pa. C.S. s~#904, relati~ag to uaswora falsftlcation to authorities. . Rey -chase BanI~~SA,•N.A.-vs: Michelle D-. Harris • ~- ~: ~._~_•-~:-~r~::-.- Natzte a ~ 0/ Position n.n-..x~: S'~i~ g Lit-233946.1 ~~` ~w~ 7~ J -~' ~? d W ~'~' W ~^'- f+~..3 _ .. ~~ ~~~ ... ~~ ~~ e. ~~ ~~ ~, ~, ~ ~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 07-4613-CIVIL TERM MICHELLE D HARRIS Defendant PNC BANK Garnishee NOTICE OF JUDGMENT OR ORDER TO: ( )Plaintiff ( )Defendant (xx) Garnishee You are hereby notified that the following Order or Judgment w entered against you on p (xx) Assumpsit Judgment in the amount of $552.07 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession ( ) Default ( ) Verdict ( ) Arbitration Award Prothonotary By: OTHO R DEPUTY) Pnc Bank 4242 Carlisle Pike Camp Hill, Pa 17011 R. Thomas Kline, Sheriff, who being duly sworn according to law, states this Writ is returned ABANDONED, no action taken in six months. Sheriffls Costs: Docketing 18.00 Advance Costs: 30-0.00 Poundage 1.69 Sheriff's Costs: °o ~. C _ Advertising X3.81 Law Library .50 Prothonotary 2.00 Refunded to Atty on 1 /20/09 Milage 5.00 Surcharge 30.00 Levy 20.00 Certified Mail So Answers °'~ r" Post Pone Sale ~:~ >~ ra,,.. Garnishee 9.00 Bad Check R. Thomas Kline, Sheriff Postage Total 86.19 / iJa °~ I a q ~--' ~~ ~.C~~ c~ ~~~~~VJl~ ~ By Claudia A. Brewbaker N ~ T'1 . V y'~\ ~y~'_. -~''Ti .yam :_ G~ `:~ -; ~ CnJ -G /n~1~ no iii ~ i - ~r~ s~~c lb~~"- - ~ ~,a- ~, ~~ ~~ 0 v C~ G ~~4s ~ ~abos/ WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-4613 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CHASE BANK USA N.A., Plaintiff (s) From MICHELLE D. HARRIS, 315 6th Street, Monangahela, PA 15063 (1) You are directed to levy upon the property of the defendant (s)and to sell (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: PNC BANK, 4242 Carlisle Pike, Camp Hill, PA 17011 Any and all Defendant's personal property. and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $3,146.28 Interest -- $184.77 Atty's Comm Atty Paid $157.10 L.L. $.50 Due Prothy $2.00 Other Costs Plaintiff Paid Date: 6/27/08 (Seal) C s R. Long, P otary By: REQUESTING PARTY: Name WILLIAM T. MOLCZAN, ESQUIRE Address: WELTMAN, WIENBERG & REIS CO., LPA 2718 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Attorney for: PLAINTIFF Telephone: 412-434-7955 Deputy Supreme Court ID No. 47437 SIRLIN GALLOGLY & LESSER, P.C. By: Jon C. Sirlin, Esquire Identification No.: 17498 1529 Walnut Street, Suite 600 Philadelphia, PA 19102 (215) 864-9700 Attorney for Garnishee CHASE BANK USA, N.A. COURT OF COMMON PLEAS COUNTY OF CUMBERLAND vs. MICHELLE D. HARRIS and N0.07-4613 PNC BANK, NATIONAL ASSOCIATION, GARNISHEE AMENDED ANSWERS TO INTERROGATORIES IN ATTACHMENT TO: CHASE BANK USA, N.A., Plaintiff 1. No. 2. No. Defendant has no attachable assets with PNC Bank, National Association. Defendant maintains accounts which contain only exempt Social Security benefits, and therefore are not attachable. 3. - 6. No. 7. (Q) If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which funds are deposited electronically on a recurring basis and which are identified as being funds that upon deposit are exempt from execution, levy or attachment under Pennsylvania or federal law? If so, identify each account and state the reason for the exemption, the amount being withheld under each exemption and the entity electronically depositing those funds on a recurring basis. (A) As of the date of service of the Writ of Execution upon garnishee an account contained the sum of $952.07 which funds are deposited electronically on a recurring basis and which are identified as being funds that upon deposit are exempt from execution, levy or attachment as Social Security Act payments covered by 42.U.S.C. Sec, 407. These funds have not been attached. t 8. (Q) If you are a bank or other financial institution, at the time you were served or at any subsequent time did the defendant have funds on deposit in an account in which the funds on deposit, not including any otherwise exempt funds, did not exceed the amount of the general monetary exemption under 42 Pa.C.S. § 8123? If so, identify each account. (A) No. Date: VERIFICATION The undersigned hereby verifies that I am an authorized representative of PNC Bank, N.A.; that the statements .made in the foregoing Answers to Interrogatories are true and correct to the best of my knowledge, information and belief and that these statements are made subject to the penalties of 18Pa. C.S. s4904, relating to unsworn falsification to authorities. Re: 1 r Name Sut~ervisor Position ~~~~~~~~~-^~ DATE: August 4, 2009 Chase Bank USA, N.A. vs Michelle D. Harris NO. 07-4613 Lit-233946.1 F~i~-~t-~~CE (~ ~ p~TN~N(3~A~1f ~~~~ A~iG i 4 !'M ~~ 5 f ~~ \1 f ,~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff No. 07-4613 CIVIL TERM vs. PRAECIPE FOR SATISFACTION OF JUDGMENT AS TO THE GARNISHEE MICHELLE D HARRIS Defendant PNC BANK Garnishee PNC BANK ONLY FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt PA LD #42524 William T. Molczan, Esquire PA. I.D.#47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR#05988674 ,~ '. I •.~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DNISION CHASE BANK USA, N.A. Plaintiff vs. MICHELLE D HARRIS Defendant PNC BANK • Garnishee Civil Action No. 07-4613 CIVIL TERM PRAECIPE FOR SATISFACTION OF JUDGMENT AS TO THE GARNISHEE ,PNC BANK, ONLY TO THE PROTHONOTARY: Please kindly Satisfy the Judgment of the above captioned matter upon the records of the Court and mark the cost paid as to Garnishee, PNC BANK, only. Sworn to and subscribed Before me the Day of Au ust, 00 NO RY P LIC WELTMAN, WEINBERG &REIS CO., L.P.A. By: James C. Wa b dt ^~ PA I.D #425 4 William T. olc an, Esquire PA. I.D.#4 43 WELTM EINBE 1400 Ko rs Building 436 Sev th Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#05988674 & REIS CO., L.P.A. COMMONW ~'LVANIA Nl1gP i Ip VYAyn~, A. 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