HomeMy WebLinkAbout07-4727IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff No: O'y- ~{7a'7 Civil Term
vs.
ERIC R MAYNOR
Defendant
COMPLAINT IN CIVIL ACTION
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Michael J. Dougherty,76046
WELTMAN, WEINBERG & REIS CO., L.P.A.
325 CHESTNUT STREET SUITE 501
PHILADELPHIA, PA 19106-2614
215-599-1500
FAX: 215-599-1505
06069221 C J Jer TWI
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No
ERIC R MAYNOR
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:
ERIC R MAYNOR
8 RI CHLAND LN ##A2 01
CAMP HILL, PA 17011
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 5263400520002687 .
4. Defendant made use of said credit card and has a current balance
due of $5370.81 .
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 ERIC R MAYNOR INDIVIDUALLY in the amount of
$5370.81 with continuing finance charges thereon at the rate of 6.000%
per annum from July 25, 2007 plus costs.
Mic e J Doug erty,76046
WELTMAN, EINBERG & REIS CO., L.P.A.
325 CHEST T STREET SUITE 501
06069221 C J Jer TWI PHILADELP,°HIA, PA 19106-2614
215-599-1500
FAX: 215'-599-1505
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.
EXH~g~~
CMAt2i75
~ard~ember Agreernen~
ACCEPTANCE pgTylS ACREF1r~EiYT
ovarnsYourcred'ricerdaccovnt a conntisecovandbythisagnement
This egrssmentg use olyou
cantsininp file card totream of and keep it for Your records Yau anthorb;a ~umise to
Pleesa real the ®ntire °g ur account. Yoa p
for and chrrge yot.7 account for aq out account. es wag as arty tees or Gnanee charges
pay vs for sA vansections made on Y
If thisis a joint account each of Yau, mgether and mdrviduafly, is nsponsfble [ar paying
alt amounts owed, evaa i the accountis used by only one o< you
ur credit lard vrh~ nsou oo a ou t tar et~~ryybpurPos•, °~ nil
Please sign the back of Yo u wit ba hauml by this
agr~em~ntJYour~a~pABYytt°ajf~+e you useyouraceouaiofant.Yo urcardnd
Yau donR sign Yo au cancel your accountwtthin 30 days altar nce'nring yo
a gifiement unless Y ur account tat arty Purpose
~,r~ghout thls agreement dta words •wti ,'ns end"ear" mane Chose 13eak USA.
you have not used Yo oa'. • aui ~'yonrs' mean rg
the lsstter of your trade card antd ~h Utls epn msnt,ityicbdtagt~ person wits appGad
persons raspo>rs+blr fat tamP~ g sddnss 1-HGttg sfatsmsats. as wag as arty
for the accouaE and the person to vrFtom vve
as to bo6ebla on the account The word'csrd'meansona or men carne
parxoa who ogre
cr ether access deyces, such as account numbers, that wr have isattsd to pa Y
to oblate credR under this egnemant lamilyy or
USiNG YdU[1 AGCDUM t„dg eat br raspnsibla
Your accotmtis~BSa~~sswangreaoritisnquradbylsw,~forpou°icctwat You
houcahnld pore urchased or leased through uca at Y
axampfe,uttemet
Eor metcbendrse or ssivicar p {a make Sara that Yan
promise to asa your a aI m aama p1DCaaYI ss nDl rout taaparlsl6adY ~ rbla for
garnbGnp may ba Hleg errrtisst'bte transactions_ and Yon wt~ remain nspons
asa yew atcount only is p
F.ytng lot a uatr:action oven l it is root pernisslbl°
Typos of 7ransadinrrr. tlY nr rarYtcea:
Pnrcbesac You maY asa Your card to pay to-Ta°
i:heci~ We tnaY provide you cash advance chocks of bolance uanstsr chatks as a
,rrat,musaynwaccornitNeatsoodssorse+vicvs, ovsnslarbalancssmayour°~aun4
You may use s check la pay for g eat use these checks to uensfer balances to
to lot other uses we eflaW But you maY
this accourri from ether ^ctow-+ts with us or aaY of our rotated companies Gniy a
p~natad as ce h advancos~ndabalanty Vinatargchsoks anatnated as balance
are ire
V anslets except as noted in this ogre Durant or any oiler wa make to you We may tree
cbotks thatt'r° cell tonvanience checks as balonca vartsler shacks flowevar, the
era sub acata the terms
thatwatagcorwentortcba aaatedns sshadvnncosandastessedca=hadvaocorotas
[or rash advances, mar
and fees vansfer balances born other accntatts of faenswtth other
• galaaee Traasfats+You may with us or any
crad'd ~ani ~ l Uaarrtsler bola rotes Ito this arc punt from other socotrnts erswa al our
Butya ~ eMas.lf a ponlon of s requested balance bansfatvvaEouac,y able
of out related tarp recess a partial balance tronslet np to y
avalabte trsdtt fine, tea mny P
tndrt lin•
. Cash Advsaras: You may asa gout card to sat cash from outarnatic teUet machmas, ar
frwn ftnanciaf ktstitmions accepting the cud: or to obloin vavelats checks, fora gn
tears, wits trensf era or shn'tar cash-tike charges or to airoin tottery
currency.money c s taco truck wagers or for slmdar batting tronsactions Yo~v
tickets, ensbta San°g ~ ' . Yn . ° rot anyourbaFaR and btllthe p+~Ym .
mgYalsQusaat-iud^.~dYservtcatnrne t' Ym"
w tttls atcatari. n havD en eligible checking accounavaitl- area al ear related
. t3vardralt Advonf k ~~ eeount to your chalking account with our elated bnk to
banks. You maY eecoutri under the terms al this agreement and
cover as avordreti on that checking
~r ch•ckin9 account agreomaat
BEIHnp ~rcac In ardarlomenags your actount ws deride tfmainto periods catkd'bilfmg
cydes'• Each b8ling tycle is aPProxunately one month in length Pot each colander month.
your account wiQ ban a bang cycle that ends in that month. Year account trrdl have e
bgfmg cycle andmg in each colander monthwhothar or not then Is a bsning statement
tertheEbliGng Cycle u ~~ someano to asa your actoun4~ at Ps r~ become an
Antltnrizad User= U yo
a~atizad esa>: You should think canlu~ i patsan t~no 1ba etnt°unt as you can
atnhetfzed esar 6ecauar You are allowing
Yod wg! rsoosln respooslbla (or thr asa of your actount and each card issued an your
accatutt aceruding 1a the terms el this agroa n°authorizad vada~s ~ar nsponsf6tTitY for
payinp all thsigas anyaur eecount made by
Yaa may r9quast an addld°°el card for use by an authwfr^d user an yew account H gnu
da so, this etc e~,nt may apps!°' on the eraort report of Utet authodze = ~B ut atcaunt ll
You must netlty us to terminals an authorized user's portnission to use yo
yottaatifyus,wamaytlosathoaccounlsadlorfssuaapewccreddO~ehacksro enytother
accauntnumbac You should also ratover sad desaro ark(
maens of aceass to your account from that authorized user
~radh R{an:Yaur cradttfine appoors on Grail Yougbilfing stn Bra nl alsuamaY show tfiet
cradrt Hne as a uodd limit or spending ur credit finD,
only s pardon afyour cnd'dGna maybe used for cash advances. Cash adroncec,inclu mg
cash odvence chack;ara charged egainstlhe toy Gfewd,~Gn~°t~ enrosPonsffih for
end a8 other vansaccea tanrrt balenca,9nelud'ng any loos and fiaann charger. and
keeping trsch at Yo
making sure k teatafns below Your croodt sn ovelrtimit foe as dascrr~red in thlsr 5 oman~
tine for any raasort, vro auy charge y
Wa may. but a n not raquh ero~N ~snomand yhourmus pay as mmadinta}y g we ask you tD
PeYar'Yamountovaryow balnntaovaryourcredh6ao
This agreement appHas to any
At ourdsuetion.wa moy'tncrsasa redress, of can ~ Y hays asked us not to do so' w°
poAloa of your uedl Hrta: el any tlma }lowsver,
wiHnotincreessyourcrsdrlCina AchengstoyourcradltGnswBtnotaHactyoutobigatiort
to pay us
IntarasGoael 'f(ansaclioa or that sou make Dulsida of the Un ad Stat~ss of America tYsa
mekelnalaralgncurraaN Y n cutronry,
a it is made in U 5 dogars U You make n lrnnsaction in a IDreig
InUetaetfansl ar 1Jirstors`~de earreney tan arsine proed ures Tho a cha Qa tilde s h
datlarsbYoaagds taspcarraa is a me that it selects either from the range Dt etas
entity aces to cottvarl tY bcable ptocessinp date wwhich
available !n rho wholesale currency markets for the app'
rate may Vary Irom the rata the rasPa 6fe arocossing data The tat in eHacl
govaroment•tnandolad rote in aHett onthe rppG P arrant (]S:} of the
on the apptieeblapracassingdhltochaHverlroump aad~tionalthnaepauussdyouriard
of account Wa tacerve the rig . 9 Ya
US dallaaramou°t°fanyint°rnauonaltransectian,whnthatthotuansaclionwasoriginaaY
made in U•S. dogars or was made is a°othor wrrertcy and convened to U.S. dollars by
tfisa or Masi=rCa~dD nntftyeTha same Pro a s~ind chergeatmsy apply it anymtameu'onel
provided to us by
lransatfian is tstratrad
Aelusal to llulhoritn~tatr f ~i l~' Ana ~~asans~a notrequitad la, destine a unnsnc on
en your accaent fat sny
• because of aparatinnal considarafinns,
• because your at:eount is In dalaul4
• it we srospecl freuduienl ad,ar rerunncuvity or,
• In .,,t d'~cr!hpn..a: ar.y r
Ws en not rasponslble (or any 1Da'es itrvan a you hoova sulf-r r t cred'Al°vaitabiea 4or
any reason, either by us or a third P rtY•
fur onGnn transactions, we maY require that Y°ou it we went you to nglsternr! You
ruthoraetioa system that wa select We wGl notify Y
do net tsg"tsterwa may decline your ongna vsnsaciions
getwal la Pay Cbaclts~ Each chi owoua~rr actount In day daowhetiiar to stnh°rcce that
a aback for payment, wo may sd W reject Dnd Tatum unpaid a check !or nny reason,
check Vlte r~Y• but era not tequk
includmD the f0HpW1"g °X°n`~a antes is the payee on the check.
• Wa or arts of ont related romp
• YourcreditGasortashedvenceportionotyourcraditlinobesbveno:caedad,otwoD
be exceeded H vva ppaid the check
• Tho eheckis post-aetad if ^ posl••datad cheek is paid, resulting in another check being
returned ar ant ppaid, wa are not respoaslbecified on it
•Yau hfiva used the e}teek attar the date sp
• You era in dotault of would be 1[ wa paid the check
Last at Staten Cards, pteefcs or Actaant Nvmhars~ 1f nny chid, theck, account number
ar ether manta to access your ermission, you must notify Yen at fence by tatting the
may tae them witbot>t Yau P statement Do not
Cerdmombar 5arvits telephone n4S beVashodwrtuf nerd, the k, ncchounl nuntbrr at other
uaeyaur eccoum adaryou notrly
maens to stcoss your euoumis laund or nturnr;d_ Wa mry terminate or stlspond your
credit prm'lageswhan Yau notify us of any loss. then or uneutharaed use rented to your
atCDnnL ~, r_eY,n !.r
Yrw mar ~ 'p"bra ti share ~c tmettrr.nrfred asa °t ; _:: a :. l ..'n w~iti, ya:t re_ea-
no beneCtt, but you tnn'H not be HeblD for more then S50.g0 of suth VansecGonx, and you
uneudtonzsd busa'However, you must identify for us the on „thoniad cfiergas irem~which
you received no benefit
We may regatta yearn provide us iniornte ;o c earn prat dupes in co nectioa ewt~thnovr
Wi mny else roqu+re Yon t° comply wa
irrvostlgatian.
PAYNiEMS rr~~
PeymenE laslrndians: Your 616ng states meets and sets lortht rise data end Itkne by
instructions you must 1oAon for making P Y
which we mtrst receive the pnytt-eDr~ ~ U S donors drawn an funds an deposit in a U S.
You agree to pay us amounts you
littoncial ~s~urbd~or sutome6s d bitthatwt~ be processed t-r hontiored byyour fneada
chocir, money recce t cash n meets Yout total available cradd may not bt
Instftutioa YVa Swag not P P Y
restated for up to 15 days abet w° rectave your payment
Arty paymsM thoci or other iD•t» •d nn ~mant which ya;: send to us fr.' 1>u then th! tut
i+ttance matfsmerkad Ccid in tali or wdh a simiier notation orthmust ba entt sus st Chi
In tuft satisisc4an of a drsputs+d amnuM lcnndhianal payments},
conditlonet paymentsaddrnss ftstad an Your monthly statement Wa nserva all our right:
regardtnp such payments For example, it it is determined there is no vaQd dispute or i
anysUehpeymeatrsretetvodatanyothareddrass~wemayeccpeptnhaP°Ymsn1e nib
veil siHt owe any rsmaitdni bslanca dawn n it AH ether payments that you mak
rabrrning ii to you, not cashing it ar by Yi 9
should bs sent to fire raguter payment oddrass shown on your Ban of tsc~ ~a er kr:
1Na reserve the tight to elecvonicegy ceAott your eligible p Ym
prasantmeMand erryrvpresontment hem Iha bank account onwhicb rho eheckis drone
Dur receipt of Your payment checks is your aut)tariration for us to tallattthe amount t
Ufa check efocuonicegy, or, if needed, by a drab drown against the bank account
Payment checks wtll ba cailocted slocuonicagy bysending the check emaunt alDnp
i wi-h the check rouGnp and accountvnvB ecsivsio Dort Darns tDThe or g'mal peymant
be debited as early asths same day Y, ? y
cheek wIN be desuoyod and an image will be marnlernod in our records
fJrinimuro Peymant• Yau agree to pay et least the minimum payment dna, rs shown
on your bill'mq stebment, so U-at ws reeetve it by the date an a~thsluq amount you
Yau may pay mono than the minimum payment due and may p Y
owe us et arty ~thelese h uwgfpayinfcnanc chorpfesbecausolin ncerihargas
soonetyoupey Yo
accrue on your belenco each day
Your bung statamoN shows your bepinninq belenco and Your ending batanca Itha
-New Balanci an your bdRng statamend U the New Betonce is S10 Og ar lass. Your
minimum Payment dw wig ba the Now Belence. DthenNisa, it w~ be Ute fergest of
the faRowmlp510.tf~29'• of the New Ba85n8nd nn bRlsd hte andtovsriimitleosa As
fatal bi9ed pedodic rasa fmancs sharp Y
pert of the minimum payment due,wa also sdd any emaunt past due and any amount
over Your credil.t{na
Payment A1locafitNC Yau agree Ihet we ers authorized to agocele your payments
and crod'irs in a weyUtaae~s ~ °S ants°and credits to betanaces with lower APik [such
authorize us to app1YY P Ym
as promotlortal APRs1 belwa baUncas with higher APRs
~~d~y~8tj easm~ur lot any CrsdA balance bythe amountt of new chatpes or lees billed
to your account
Autametic Charges: Yov may eutharito a third party to automelicatly charge Your
eccauM for tepaettronsecdons liar example, monthly udgttyyl charges, memberships
andinsuraour seeon~ cis closed aresu pn dud tor'a~ttyea~asan tar yaw ecounE
because y these charges
Wombat chettgos, you era raspons~ia for nDtifying the biller end paying Ir_M
directly t(,y~ account ttnmbat changes. wa may, but ere natrequ»rod to, pay '
yaut new account number charges that You otrdtmited to be biUad to yonr ohl account
number.
Promotions Froth tla-o~to~ ~~ isrr°s °~ the ottepr and how long thsywll bo it- affect
d°,ws wt1! notityy
Any prorrtodon is subject to the terms of this agreement as modified by the
proomotionai oHot
FINANCE CHARGES
Doily Periodic Rotas and Anauet Perc Dille etas aroofirtod anethc Rates end fast
('APRa7 and rho correspo~np dagy pa
Table that is at the trod of this document of Provided seperrtefy To gat the daily
parlodic rote ws dlrride the APR by 365, and m offec[ always round up st the fihh
place to the rtpht of the decimal point
Variable hates: Dna or more APRs Choi apply to your aecauntmay veryv+rrit changes
to the Prime Rata When you ed~ptg , m~rg,e to the Prlrm Ratn pub6sfied in T>+a
Reto, we caiculala Ufa APR by
WaliStroolJoumeitwo basbtescdays bafarethe Closing Dots shown on yatu blginp
statement i'be'Prime Reb' is the highest {U.S j Prime Reto published in ~ubGs°hn'nY
Rates section of The yYel-SfraetJourna[ ff Tihr Wall Srraet Jrurnaistops p g
the Prime Rata, we wig select a simiSar referents rete and inform yov on your billing
stetemant ~ through a separate notice
A 'margin is tba percentage wa sdd to rho Prints Rats t° r.alculata the APR A
'business day' is any day that is not a weekend ar federal hufnley. The Rates and
Fees Table shows which rates, ft any, era voriobls rates h oleo lists the margin !or
each variable rata and any mtnlmum dagy Periodic rats and wrresponding APR
Two businats drys betcrr tits GosBtg Dote slit b1s mecum to Ilrsl Prlmn Rat° 1o p I
what the Prlmr Reto is. We then add the app 9
the APR. Tito daily parlode role is ealculaled es dsserrbed above
If twr calsrdatioe rosuhs in a change to a dagy periodic rata from thetpraviot~ b ~iog
cycle because the Pr ~ Nate ds in thtgeacetender montn i which vva meda the
dsppolYour68gngcY eriodicratetncrerses,youwtllhevetopayrhigharperrodic
celculedanRUradaRyp o chi hDrminimumpaymant.
finance tharga and may have to P Y 4
Default Refes~ Yout APRs a have whh urysrai arty of ou d elated eompenies gar any of
or any other agreement you
the toflowing nosons:
• Wa do eat receive, for any payment that is owed on this account or any other
account or loan with us. at !acct the mir-imum payment due bq the data and limo
clue.
• You exceed your credit flea on this account
• You make a payment to us that is not honored by your bunk
• Tathsextertagowedbylavwii,atanytimeaQeryoursccountisclosed,wedsmand
immediate payment of your outstanding balance and ws do not racelve payment
withh: Lhs the wa specify
It any of these events occurs, we meyincrease the APRs (including snypromodonet
APfU on aq balenses {axciud'mg overdrstt edvanc°s) up to a mazmrumaf the default
rate stated in the Rotas and Fees Table Wo may consider rho totlowinq taetars to
determine yaw deteuh rate: the length of time your account has boan open, rho
ausrenea, sedoutneas and timing of the defaults on your accoum: othorinduations
of your account usage and pedarmence; information about your otherrotaUonahlps
with us oa~r any o(our related companies; end intormetlon wa ablein Irom eansumar
theCdiraledeyof hebHfirigfcycleinwhichthedelnultoccu st'randrx'Mlappty oHpurchase
balencas (tom Uis previous biling cycle tar watch periodic finance charges Novo
not boan atresdy biped
increaca your APRiup to dt{s°maicimum default 0 to stated inslha R ers and Foas
Table, wa reserve our rrght to increase your APR in the event of any !afore default
We may in our r&scration daterndno w cherpe reduced dateufl rotas o- roinstato
standard rates for all or sefeetad balances an your eecounL
tynanu Chsrgo Ca{cutalian-Two-Cycle Avarapo Daily Bsionce Marhod fiat:luding
blew Purchoses}forPurchososend Avaregegaily Belanee Motbad (Inctuding Nnw
Ttansectloasl for Other Troasecltous We calculate periodic finaaca charges
separately for oath balance assaciatod vvSth a different oategary of transactions
(for exerrgrlo, purcitasar, babnce vanstars, balance vanslatehocl:s, cash advencas,
cash odvanee chaclca, overdreh advencas, and each promotion{. Those celcu{aUons
may cornbiae di(laront categories with the some daily parindlc rotas Thls is flow It
workr,
Ws cafcutab Ute periodic finance charges fw purchases in two slaps, as lotlaws;
• F'ust, for tack day of the lrilgng cycle, we muhipW Ufa daily balance by the daily
perbdic tats ,ola tare multi lira daily balance
• 5ocond, far each day of the ptovions bggng c} pfY
for purchases madr to that b ng cycle by rho same deNy periodic rote Howavor,
we da not da 1ltfs seeand slap if we reeaivad payment in loft of the New Betanea
an your prav'rous billing statement by the date and tfma the minhnum payment was
due of H i pedodic cleanse charga was slraady billed on tlratbalanca
We ceteulnte the patiodis Gnaneo charges tot purchaser subject to a promotional
rata the soma vray, but wa use the promolianol rata
We calculate periodic fbunce charges for balance veasters, balance transler
checlts, ceshadvances, cash edvencr checks, and overdraft advancss,bymuldpiyhtp
the daily balance for each el thaw cotegorias try We daily periodic rote for oath ni
Utose catepvries, ea ch clay You may have overdraft a dvances oniy 7 you have linked
this eccoantto s choct3ng account with one of our related honks- We calculate the
pa*iotRc fmnnae charge: tar bnlanea vonslnrs, balance vensfar chocks, sash
edva>?cns, end cash odvonce checks subject to a promoGanol rata the same way.
but wa use the promotional tars
To getthe deitybelance !or sash deytot each category:
• We take the baginnlnp boMnce f or that day.
• We add to that boience any new trnnsoctfonr, tans, other cherpsa, and debit
adjastmaMs that apply to that category. We odd a new purchase, cash advance,
belenco vansler ar wardra(t adyonee, d eppticabla, to the daily balance as at the
uraseedan date, or a !slat data of our choice We add a new cash advance check
or balance vansfer shook to the dailtr belenco as of the data the cash advance
chock or balance tratister cheek is deposited by a payee, at o lebr dote nt our
chaise
• eppfyta Utat ca~egery sad Drat ere eraditad as al that~dayCradh adjustments that
. We treat a erDdit baiance ee a balance of zero
To ggat the bogfnnhrg balance for each cotapory for the nazi day, -va add the daily
padodic finance chnrgo to the dagy balance If mote then Dna deity periodic rate
could apply to a category because the rata for the category mey vary based an the
amount of its average dagy belenco, wa will use rho dally periods raft that oppftas
farthe eversge deity balance emaunt at the end of the bdfmg cycle to calculate the
daily periodic ltaencs charge sash day Thls egraemont provides for doily
compaund'mq of I'mance charges
To ppo! the total periodic finence chorga for the bating cycle, we add eft al the defy
pedadic futanca charges tar arch category for aoch day durmq that br~tng cycle,
Plus rho dapyPoriodlc Artonca ehargac on purchaser, it any apply, torthe previous
btlgng t:ycla fiowever:il arty porlodle Rennet nharga is due, wa wig charge you ~i
Isar! the minimum psriodie finance charge stated in the Rotas and Faes Table N It
is nocassaty to sdd en oddidDnal emaunt to ranch the minlmutn Rnenca cherge,we
odd that amount to the bettacs for purchaser mode during the bilfmg cycle
periodicffmsnce herpes phrs eoY vansactlon t a11fmmnca chsrpasa rho sum al rho
For each cetagorywe cotcrdab an average degybalancs (btctuding nawuensrctionsl
for Ufa bill'inp cgqci~ by eddmg oft Y°~o Itray trivdic tme ce charga tier purchases
the number o< diys in the killing cyc p
meda during the previous brVarg cycle epp6es, the avarogo daily belenco IDrthoss
purohoses is calculated rho same way tt you muhiply the average daily balance for
a celegarybythat category's deify Periodic rata, and muldpfy rho rasuk by Ufa number
of days bt the blginq cycle, the total wig equal rho periD rc Rnanca charges tar that
balanss atuilrutable to thetbifRnp cycle, except for minor vedaUo»s dos to rouging
Grace Period and Accraol of Finoaco Cbargoa:We accrue periodiic finance charges
an a uansaetion, ter, or Fmence chorga tram the data h a Dddad to your daily balance
anal peymordln fug Is resented on your account NttwevaGwe do notcherge periodic
ihtedae charges on new purchases billed during s hilRrtg cycle it we receive payment
;,; yyr:: Na.v Balance by the dots and 8~ns fr,ur minimum payment is duo and wo
raeshrad payment at your New Balanea an your Provious b>ninp statamont by rho
deb end lima your payment was dua.This nxcepuon or'graco paned' eppgas only
tD purchases end does not apply to balance vanslera, balance vonsior chocks, cosh
edvences, cash advance checks or overdreh advencas, it sppGcabte
Treasacliaa Foos for Cask Advantos: We may charga you a cash advance lee in
rho amount stated in the Batas and Faes Table for each of the toltowrnp v onsactions:
• rash advance cheeks,
• cash odvancas
'8dtl +.9i
to addition, it you use a third party service to make a payment on your behalf and the
sorvite charges the payment 1a this account we may sharps a transaction !ea for the
payrnanL
These Vo as a! the uansscUan data of -hs ee hsedvetnts foroexamp{e,ta transectionalea
category
for a cash advents would be added to your cash educate be ante
Transectioa Fses for Balanto T~onsters: We may charge you s balance transfer Ian in
rho amount stated in the Retos and Faes Tsbte for oath of the lotlawing rrensactians:
• balance transfer chalks;
• bataneauanslars~
Theseuartsa f ~a vansecl on data of he balancsdUanslat: Fotoezalmple,Ia tronsacation
category
tae for a balance vanslarwould be added to your balencv uensler be ease
pTHF.R FEES AND CiIARGES
true may charge the lollovvmg leas The amounts ai those leas are listed in rho Rotas and
Feas'Teble Theselsasvw'llbnpddedtothabaiancetorpurthosesmadedurinpthebiging
cycia•
Annual Membership Fee: t! youmteOc~ i ur shared is tba Rates and Fea Tabu) whether ac
e ash year or in momhlY testa u a tee to e h when baled The snnwt membership
not you use Your eoeaunt, an ao nau us dtatyauwlah to close your eccmnd+~(n30
ta^ is non•tafundeWe unless y h'
days of the date we maB year billing statement tm which tM annual membership toe is
charged end ottha same lima, you pay Your outcunding bntance in tub Your payment of
the annual mea-bership tae doss trot affect our tight W stale your account or Gmk your
right to make uensactions an your account iI your sccou ors clu(QUtstendingbelanca
uviU cantinw -o cbsrge the annual membership lee un1G yo p Y W
in full end tsrminota Your account refetionship
4,to Fo>K ll wa do not receive at toast the requltsd minimum payment by the data end
Fate ha shams n thv° R es a d fees Tabl s H the 1 t6 ablaionistbesad on oabeteneae wp
cutr.flatu Btu la:+ tae 'retail Ufa Previous Balencs at the current rnontNs statement that
strews the lets tea This batanea is rho soma as the Nsw Balance shown on the prior
month"s statement !ar which ws did not receive otlaest the ragvirod minimum payment
by the data and ihne h was due
~yc~p,moven 1 oMy for a dayuwelmey chi pe en ovarlimi! rep Weym y barge this tae
even it yottt bafanee is wsrttu tradit lino beesuso al a linente chstgs pr top we intposad
or a veassction vn authorise geW~ ~~~ leeri~ sUbsOgaont billing cqc or'r evanril no
bRling t:Ycla But x'a ~Y our account balance still is over your
new transocUons me mrde on your account. R y
tradit lino at any time during the subsequanl baling cycles
Retnra PnYmant Fsa: if {a) your payment check or similar Instrument k cwt hoaoted, (b)
an arrta~ bsckµbacaus° ,~ is nett siQnad ortcennotrbs processed.. wi may chargers
s peym
ralttm payment tae.
Rstnrn Check Fas• It lei vva stop psymeM pe a cash dvenco check or balance uansler
check at your regwst. vt {b) wa rotuse to p Y
check, ws may cbsrge o return cheek tee
Administrative Fees: ii yon request o copy of a bllGnp stetgmen4 sells drefl or other
raco-d of your account or N you request two or more car ca or ony u Ior thaw services
exempts, obtaining Bards on an ettped'rtad haslet, wa may harre Yo
Havvevoy wa tvtTl not chorga you for copla~oel ~u rmne lessen ail lnstlus under ePPA Obis
docutaarrls that you te~uastlor s bRRng d P Yo Y
law. Wa Wray charge, ar arry services listed above and otnar s ~rvices wo pravtde, the
lest (rota Ume to limo -n effect when we otter cha aarvic..
DEFAULT~OLEECI7ON
Wa may consider you to be In delault it any of these attar.
• We do notteceive atleest the minimum amount dt,e by U-e der+ and lime due os shown
on your bRgng sutemeM
• You extsod your tradit line.
• You lad to comply tooth cha terms of Ibis egreemttnt ar srryeareemeM with one o1 our
related companiss-
• We obtain inlortneGon that causes us to believe tDotyoumav oe unvrilling or ono s to
pay your debts to us ar to others on ions
• You fife for bankruptcy
• You bseome inespacitatad or in cha avant al yaw death, +
It vve coesider your oteount to ba in dalauh, we maY close Your accouat witho u lov ea
and rsqutro yon to psyyavt twipeid betance immediatelttWe eiso may require yo p Y
interost at the rats of two percent {2%i a mortUt on cha unpaid balanto when we deem
your eeeautd to ba six or more baling eyelss pest dos.
Ta the vtttertt permitted by taw, it yon are In defauk because you have tatted to pay us,
yon wiG pay ow collection tests. attorneys' less court tests. and elf other expenses o!
entarcinp our rights under:his epreement
CCDSMG YOUR AC!.CUATT tali us to Bose your actaunL we may
Yau may Bose your account et any lime 11 you •
require that yov conform your request in wrong
Ws may clasp your account et ony lima ar ruspend year Ire=~biB leavg ~~ wa close your
pity reason without prior notice except es required by appO
acceutttwe wlG not ba Roble to you tar any cansagnancos rasuttinq Irom closing your
eeeouM or suspending yotA credit pririegss
t}You pt wp floss your aeeoun4 Yau and any euUtorirad usots must antnodlataty stop
usmg your account end dss[r~r ell cards. checks orotlrarmasns to access your aceovnt
account. even i1 h y sn made o Ypracassed eharvour eceouritilsadosedaend ypuyKrip
G;JiAizi::
-:;:...
ba required to pay the outstanding balance oa your account according to the terms of
this agreeinenC In addition. to the tuaont eltowad by taut, ws may require you to pay rho
autstandhtg balance lmmadiataly or at any thna shat your account is closed
ABBiTAATiDH AGREEMENT
P1„FASE READ THIS AGREEMENT CAREFULLY. lT PROVIDES THAT ANY DiSPUTE MAY
BE RESOLVED BY BINDING ARBITRATIDN ARBtTRATIDN REPLACES THE RIGHT TD GD
TD COURT. YDU Will. NDT BE ABLE TD BRING A CLASS ACTIDN OR OTHER
REPRESEN•CATRJE ACTIDN tN CDURT SUCH A5 THAT iN THE FDRM OF A PRIVATE
ATTDRNEY GENERAL ACTIDN, NDB WILL YOU BE ABLE TO BRING ANY CLAIM IN
ARBITRATIDN A5 A CLASS ACTIDN OR O7tiER REPRESENTATIVE ACTIDN. YDU WILL
NDT eE ABLETO BE PART DF ANY CLASS ACTIDN OR DTHER REPRESENTATIVE ACTIDN
BRDUGIiF BY ANYDNE ELSE. OA BE Ri:PRESENTED IN A CLASS ACTIDN OR OTHER
REPRESENTATIVE ACTIDN. iN THE A85ENCE DF THlS ARBC~RATiDN AGREEMENT; YDU
1NACDURT,BFFDR~UDGFEORJURY,ANDIDRTO APRTtC1PUATE~tSEREF'RESEN ED
IN A CASE FILED IN COURT BY D'fliERS pNCLUDINt3 CLASS ACTIONS AND OTHER
REPRESENTATIVE ACTIONS). DINER RIGHTS TKAT YDU WOULD HAVE iF YDU WENT
70 A COURT, SUCH AS DISCOVERY OR THE RtDH7 TO APPEAL THE DECISION MAY BE
MDREIJMITED EXCEP'CASDTHiRZWISEPRDVIDEDBELAW.THOSERIGHTSAREWAIVEd
Biadiag AthllratioaThis Arbitration AgraemsMis made pursuanlto a uansoction iovolvinq
interstatocommarto,an9U5 63fet6eshmaybpno ended ThisArbive onAgroamoant
Arbitration Act ItM `FA+4'j,
sets forth the drewnstenevs and ptocoduros ender which claims Les defined baiow) ma Y
ba rpsahrsd 6yarbNratron iactae of being GUgatsd ht couR
partlac Covarad, For the purposes of this Mbhratian Agreamant,'wa ,'us ; end'ear' cis o
indudes outparanl, substtRanas, rlfiGaess,lfoansees,predatassors,suceessors, assigns,
any purebasrr of your Aeroun4 and ab.af their oNiears. directors, emjtloy6es, eganu,
end assigns or any and aG of them AddNionslly,'we;'us and'auf shell rnchrde any third
Awry providing banoGts, satviees, orprodutu in cvnnecdon with the Account gncluding
but not Cufitod to crodh bureaus, merchants shot accept any eredlt dovieo Issued under
the AeeounL rewards programs and anroUmant sor+dc a s, ep nil end repros n~Uvesj
debtcogectars, and ag of ihsirotfresrs, diradors, amptay
il, and otdytl, sack s third party it named by you as a cadetendant fn any palm you assort
against us without rho other's consent, elect mondatory,
Claims Covered.. Either Yau or tare may,
binding arbitration of any cte)m, dlspuu or conuowrsy by either you or us against the
other, a apsinttthe employees, parents, subridierlec, s mttho Cardmombsr Agreement.
assigns al the other; arising tram ar ~ cru ~ car Account at the adrartising, ail Gcation
any prior Cerdmomber AgreamerN, yo
or epprewl of your Aewunt {'Ctaim'i• fits Atbivetion Agreement governs al Claims,
whether such Claims era based an IoW, statute, contract, regulation, ordinenca, tvrL
common taut, tonstitutionat provision. or any lagei theory of taw such as raspondaot
suparioy ar atgother f.gal or equdeble ground end whether such Gstms soak ss remedies
money dsneges, penellfas, ir~uncUons, or docfaratory or equitable roGal. Clatats subject
to this ArbRrebonAgrsemanttntluds Claims rsgardtng Ute oppBcobility of ~Csrdmtember
AgreamarROrthavaTaiity of thr entire CardrtmmbarAgreamentor ary pr
Agreement This prbiuadon Apretmtatd includes Claims that atoll in the past, or arise
in tfia present or the itrtura Its used in this Arbitration Agreement. the term Claim is to
be patron cha broadest poa>a-bla maanMp
Claims subjttl to arbiUeGaninduds Clsimsthot ore mode as counterclaims, crass c1e'uns,
t:orurtpmiY sleet erbitua~tfoo with respect log n~Y such Cloirrrs advadnesds n thra Iswsuitpby
any patty orperties~ au retain cha right to pursue in a small
As an exception to this ArbiueUon Agreement Y
claims spurt any Claim that is within that taunt s jurisdiction and procaads on on Individu e[
6esla It a pony dectsto atbiuate~Cleim, rho otbitration will be conducted as an individual
attion.Nci~cr yet: nor we agree to any crbiua:ion an a class ur ropte:.:,att.. basis,
and rho arbitrator shag haw rev auUtnr3tyto proceed on such besis.This mesas that oven
it a Blass acdon lawsuit ar other represantetiva sctioa, sash es that in the lornt of a private
attorney pansrel ectian,is G1ed, any C{eimbeiwaenus relsud to cha issues rsicod'm such
lawstrifs an11 he subjrct to as individual atb'rtredon ciobn if pither you or wa so elect.
No atblttatioa vn'B bs consatidoted with arty other orbivation proceed'mg without the
consent of ail perUes• fie only Cleltns that may be joined in en individual action under
this Arbiuedon Agreement are Ii) those brought by us against yon and say co-appticent.
jautt cardmambar, nt atrthodzod user of your Account or yy~ut bales or your trustee in
bankruptry or t2) those brought by you and arty to-applicant, joint eardtnembar, or
a ainst us
euthorhsd user ill your Accourd, or year heirs or your wstea in bankruptcy g
Inipaliort of Arbitndoo Tha party R9ng s Claim is arbllraUan must choose one of cha
ioilowing two arbitration edrrtinistretors: Amedean Arbitration Ascotiador4 or NeUonsl
Arblvaliaa Forotn.TMce adndnistralora are independent from us The edminlsuetor does
not conduct cha arbdretion Arbkretion it conducted under tM ruler of cha solactad
etbitraUon edminisvatot by an impartial third Party chosen in accordance wuh rho rules
al the selected arbitration odminlstrator end as may ba provided fn this Arbitration
Agreement Any arbiurUan hearing thetyou attend shslj ba held et a place clarsa by
rho arbitrator or erbhrauon adminialrator vvhhln cha iedetal judicial disvr.tin vinich you
reside at the time the Cle-rm is [dad, or at same otltpr place to whlsh you and we agroe in
writing Yon may obtain topics of the current rotas of each of the two arbivation
administrators, inlarmation about arbiuetion and erbluation tees, and instructions for
britia6ng arbhrstion by contatUnp the arbiVe6an administrators es toRows:
American ArbtuoUon Associatiaa, 335 Madison Avomre, Roor [d, New York, NY
lggl7.4Tig5, Weh aka: wwwridcotg. BD0-77l-7879; or
Natioasl Atbitrsliae Forum, P.D. Bois 5'Oi91• Minnaepolis, iAN 55405, Wab site:
www arbhretion-tartan ean4 BDD-974-2371
ptocoduros and law applltnbls in arbitration. A single, neuvol arbitrator ~viA reserve
Climu.The ubUratarvaRf ehherbs elewyervvilh at laosttonyears experiancs or a reGrFd
or former judge The arbitration w1p br conducted under the apppcabte procedures
and rules of the arbiuetian adminisuator that era is etleel oa the data the atbilrotian
is filed unless those procedures end rules are inconsictant with this At6lvotian
Agreement. in which case this Agreamoat wig provai These procedures and rules
may Gmft the amount of discovery sveRabls to you or us Tha srbylratar will apply
appbceble substantive law consistent with the ~~ d atlawpYou~may choose to
fimitatlons, sad wN! honor clebns o(privllape rncog '
have a hosting end be represented by counsel Tha arbitrator wip take reasonable
slaps to protect customer Accwnt lnlormation and other contidantiel inlotmetion,
including the use of protaelrve orders to prohibit dtsciosura outside rho arbitration,
it requested to do so byyou or us,Tha arbitrotar wit have the power to award to a
pparty any damages or ales raper provided for under opphcabie ~w and vurll not
have to power to award raga) lo, against. o[ for the banelit of erry parson who is
nM a patty to the procaedrnp II the lava suthorixas such raGat, the arbiuatat may
award pumtiva damages or attorrteY leas Ths arbiuetor wry make any award in
vvr;limp bat Hoed eat p~ a dust sto 6natorrw~ p ovidsaesbnel statemonl olatho
Upon a request by ya
reasons tar the sward. u u to the
Costs. Wa wip reimburse you for to initial nrbiuetlan !ding tea peW byyo p
amount 015500 upon reco~tt al proof of plymant.AdditionaMy, it theta is a hearing,
we wip pay any teas o! to erbi one u~ em rs lch herring !oast by us rwUl ba made
days of tat heaanp Tfte peym
directly to the arbitradon administrator selected by You or us pwsuam to tie
Arbitration Agreement AU other fees will ba apotatsd in keeping wrth rho rules of
the erbiustion admintaratar and appprobls !aw Howovar, we writ advance or
reimburse filing fors and other teas if to erbivadon administrator ar erbitratar
dotarminas there is pond rsasoa for regnttinp ut !o da so or you ask us and wa
dotormfno theta is good catrae for doing so Each perry wid bear the expanse of rho
fees Dad casts of that party's sttornays, axpans, witnesses, documenit end other
expanses, regardless of vvhieh party prevads, for arbiuaGna and any apppear (oc
permitted balotnrl, szeept that the arbitrator shall eppfy any appptabla few fn
deLerrnininp whether a parry should recover arty or ell fees end tests Isom another
party.
EnfarcomanL Gnefity. epposic Parlors or any dairy in enlorcinp Uds Arb'nratfoa
Apraemera of any rims, srin cotmac6on with any pankutat Claims, will not constfwto
a waiver of any rights to rogeiro ubfuetion at a later time of in tonrtattion with any
other Clakns Any decision ror+dnrad in suth arbhtstion proceeding will6a final and
binding on the parties, unless a psny epperts in writhtp to the artinretion apraizeGon
vvrthin 30 days of issuance of the sward The appeal must reposer a Haw etbhreUon
berate s penal of two nauVel arbitrators destgaated by the same arbitration
arganiution. The genet wU) reconsider oU lectwl and legal issues anew, iapow the
soma rules that apply to a ptoceadmp usiap a sing{ boss theirrawn taas@costs and
based an the vats ot,ts majority Fachroc~erany or all tees, coats end expenses
expenses tar airy eppaeL bm a parry may
from another petty. if tba ma city of the pens) of arbivators, applying appficobte
law, so datarndnas An award in arbifrsdon wt~ bs antoraoahla as provided by the
FAA or other sppGcebu few by any coon hevhtg jurisdiction
5evarability, srrrvlval.This ArbitrsUon Agreement shsN sarvtva: G} torminalion ac
changes in the CardmamberAgraea-enb thr gccount~nd the relationship between
you and us cartcarrdng the Atcounl, sorb es the }sluing of a Haw account number
ar the trensterring of fha balance in the Account to another account (r7) the
banNruptcy of any Party ar any similar proceediap faitietrd by you or on your bahalF,
and tiu1 payment of the debt Gr fu0 by you ttt by a third paAy tf any portion of thic
Arbitration Agreement is deemed invalid at unenfotceeblo, the romelntnp portions
shall nevertheless remain in force
Ci{Atit&l:b TU'tHiS A61itiEMEHT
V1ra cart ehenge this egrearnerd et anytime, regardless of whether yon l,avh au:ers
to your at:coant, by add'mg, dafathtg, ar modifying any provirian Dur right to add,
delete, w modgy provisions includes 1lnencial terms, such es the APRs end leas,
and sdtsr tatrrts such as tha nature, axtertt, cad enfatcement of the rights and
obtigsooas yot- or wa maayy have rslstinglo this agreement Modintetions, additions,
or deletions ors eeped'Chanpot' ar e'Chengo'
Wa wip eerily you of eay Chenpe it required by applicable low These Changes may
ba aifaCUVB wit natlcB Ofdy, at the time stated in our notice, in ak tto dha unptia
appGt:able law Unless wa state otherwise, Day Change w01 ePP Y
balances on your ettaunt and to Haw vensectionc
The errata wd! daccribe arty rights you may hsva with respect to any Change, and
the eontequsnces if you do or da not exorcfra those rights For example, the notlcr
may stets Drat you may notify ut In tmftlrrg by a speciltsd date U yrou do not wont to
accept eertein Chrngu we era maWnp If yvu ntdity uc in twilinp that You do not
eceept the Chanpea, your account maybe closed (d it is not already closed) end you
vtn'q ba o6ppsted to payyout outstanding balance rrrrder the appficsble terms of the
egraemern If you da not ntrUly us in wrltiag by the date stated in the rwUce, or if you
notify us bin then use your seevunt arysr the data stated in the notira~ you wi0 be
your aptaamant andieA Chengas in prwr n IICeS Wa bib aS M1t youuregardbss of
whether you have access to your account
CREW? WWRMA'tiDN
We may pariodicaDy ravfaw Your credit history by obtaining inlormaGon ham credit
btuoena and alert
Wa may report ht(orntatian abaci yo u end your ec count to credit burnous, including
your tadtrra to pay vs on lima.)( you request addhiona(cords on your ettaunt tar
others, we may tepee secount information in your Warne as wolf as in the names of
these other people
!(you think we hsva repotted fnaccurete information to a credit bureau, you may
write to us at rho Cardmembar 5arvico address listed on your blGinp statement.
Ptoasr include yawname, address, account number, tetephano number and s brie(
description of the problem It available. please provide a copy of tbo cradi[ bureau
roper! fa question We wN promptly investigate the mortar end, ii ovr invnsllpelian
shows that you are right, wa reel! cantsct each credit bureau to which we roponad
rho infomtatioa end wNl requas! they come ct the report Ii wa disrgroe vvithyau ahor
our invosCtgation, wa wiN tellyou in writing or by tefephano Wr will also notify the
credit bureau that you dispute the information unless you 1st vs know that you no
tango dispute the information
NOTICES1CIiANGE OF pERSDNAt }NFDRMATI ON
Wo wip send cards. bilgn$ statements and other naticos to you at the address shown
in our tiles. Dr, d this is a Point account. wa tan sand btging stetamants end notices
to any joint account holder. Notice to ono ul you vvr1i by considorod notice to aq of
yon and ap of you vr>N romaia obbpeted an Ute occorntt
Ii you cheeps your Hama, address. ar home, cellular ar business totaphona number
or email address lif you sleet to roearve billing statements of ether notices online!,
you must eerily us immedlaleiy In wridnp at rho address thown on your bipinp
Unilod S toe Postal 5arviaa Wo maY contact You about youto amount i rt udinp
for customer service of copacGon, at any address or telephone number es wall as
any cepvler ttfophoae number you provide us~
T>:tFPIiONF MDNITDAItd6AND RECDRDiNG
Ws, and it eppGcabte, our agg~~ts, may listen to and record your Islephona calls with
us. You eproa that wa, and 7 apppcebla. our agents, may do so, wheUta you or wa
imtiatr the telephone tali
INFDf1tAATIDN SHAl11N{i
You authorize ut to share cadata intotmetion eboutyou red your account within our
family of campenios, and with others outside outtemily of companiar iacludinp any
company or organtsatianwhossnamaormarkmsyappaarontha cards,nspetmiriad
by taw. Dw P+f~ncy Popey, v~t,ich is prytidsd to you tvhaa you first recvivi an
aprermoM sad atlaartonca each calendar year tharoatter, doscribac our tniormedon
shrimp proetietn and tM tholees you hove and deaetions you may give us about
our thetinp of information about you end your account with companies or
arganltaUons vittlda and aalside of our family of companies
iWN0l5 CARDMEINBERS
ttpnak few provides that wa may not share intorrnnUon about you wltk componlos
or other wpanizavons owside al ow famUy at companies uniocs you authorits rho
disclosure ar unless die distiosura tells under another exception )n thr law touch
as sharing inlormalloo to process your transactiatts or in response m a tubpaenay.
You hereby agree that, d you thaosa not to exercise the apptitsbto opt out described
in our Privacy Potiry, you tvlp be deemed to have authoritod vs to sharp personal
information wa hsva aboulyou findudinp information related to anyot the products
or cervices you may hsva with anq of our companies} with companies or other
orpanitationc outside al our Farmly of somprnios
ENFDACING TRiS ACREEMfdif
Wa ten delayrmlorchtp areal enlorca arty of our rights underthis apresmantwiUtout
~rehfound !o ba urtentarcaablemall other ttetmslwlp iomehn in {ullslat ~s agreement
ASSIGNMFM
We may assign your account, any amounts you owe ns, ar any of our rights and
assignment vn'0 bs larrWlod to ertytof our rights hat wo assign to thatmpsrson ko the
GDYERNING LAW
TitETE{1MSpND~AtFORCEMENT DFTHIS AGREEMENTANO YDUR ACCDUNT SHAD.
DE GDVEP.N':0 RAID fNT=p.PitETEC iN,~:.C0RD1'.'rE :5-:;Tl Tt:Dt:-RAL LA'hti,i:D, 7D
T}iE EXTENT STATE LAW APPLIES, THE IAW DF D£IAWARE, WiTHDUT flEGARD
TD CDNFi.tCT-DF•1AW PfliNC1PLES. THE tAW DF DFIAWARE, WHERE WE AND
yDURp,C(~UNTARELDCATED, WILL APPLY ND MATTER WHERE YDU LIVE DR USE
THEACCOUNT.
FDR 1NFORMATiON
Ploasa cell the Cardmembar 5erv(co tolephana number an your card or billing
statamantil you have any qusstians about your account or this agreement
YDUR BILLING RiCfiTS
ReapTbia Notice For Wtuta Use
This notice cantafns iatpattent information about your rights and our responsibilities
antler the Fek Credit 801ing Ad
Notify Us In Casa Oi Eaors Dr fUrestions About Your Bill
iI yon rink yaw bN 1s wrong, w it you Head mere lnfaratetion about a uansettion
onyonrblQwtlte rn on a saprrsle sheet attha Cardmembar Sarvlca rddross shown
on your biphtp statement Write to us es roan as possible We must hear Isom you
na later then fi0 days char wa rant you to first bill on whith the error ar problem
•np¢~r~d tyy son telephone U... b!4 doiny sc wD' not prayer vb your rights
In your letter, give us to fodowirtp information:
• Your Hama and eeeount number
• The doper amormt of the suspoctsd arras
• Dascdbe tM tmot and explain, i1 you ran, why you believe there is an error If you
need more intonastton, dsscr~e the item you era not sort about
If you hsva suthoritsd us to pay your credit card b01 rutamaticatly tram your savings
or checking accotrM, you can stop the payment on arty amount you think is wrong
To step the payment your totter must roach us et feast throe business days balers
the eotametie peymoMis scheduled to otwr.
Your Rfphts And Dut Roaponsibillties Alter Wa Raceiva Yeur Wrinea ttotite
c*a E;t: a of >: Qt:.:::"
We must acknowledge your lariat within 3D days, untass we have corrected the error by
then Wrnhin 9D days. we must Dither correct Iha attar ar explain why we beHave the bill
tivas Correct
Mier wo receivo your latter. we cannot try to cotlott arty amount you quoslion, or report
you as delinquent We nn continua to bill you tar the smavat you question, inetuding
finance charges, end we can apply any unpaid amount against your crodri lino You da
net have to pay any quasdanad amount whla we ore invasligaling, but you ere stiD
obligated to poy the pane of yotu biq that ere noI in question
N wa find thatwe made a raistske on yaurbHl,yauwihnat have to pay onytinonca charges
related to any questioned amount It we d'uiri t make a mistako, you may how to pay
amount in eilgt-er ca a wa will sandtyau o st liment o(tha amo nl you we and the d to
that it is due
if you lad to pay the amaunl that wa think you owo, we may report you es definquanl
However, i[ our azplanetian door net se8sfyyou end you writo to usvviUvn 10 drys tatting
us [hat Yov still refuse to pay, wa must rep anyone wo rayon you to that you have a
question about your hip And, we must tap you the Hama o! anyone wa repotted you to
Wa murttaD enyana we span You to that Iho matter has bean settled between us when
it imany is
if wa don't lopaw those rubs, wo can'tcotlact the first 550 D6 of the questioned amount,
oven i! your biD was correct
Spacial Rates for Credit Card Purcbesec
!t you heva a prablam v+rdt the queDty of property or services That you purchosod with a
crodrt card, and you haw triad in good lerth m correct the probio Pw'rpth~a merchant,
you ma heva the rlghl Hotta pay the remaining amount due oa lha roe or services.
This right does not apply to chacfc uanuctians 7irare are two tunita4ons on this righC
(e~ Yau must heva made tl-e purcheca to your home state or, if Hat within your boon stato,
within lDD miles al your currant malting addrecr, and
!b1 The purcbaso price must heva been more then SSDDD.
These Gmitatloas do not eppiyit we own or aperete the marthans, or it we meted you the
advartlssmant for iho property or sarvicos -
Copyright ®2DD6 JPMargaa Ghasa & Co All rights reserved
Pnge 1 of 2
$t8t@Yit@flt for axount number: 5259 4005 2000 2887
New Balance Payment Due Date Pas[ Due Artwunt Minimum Payment
$5,370.81 ' 06/03/07 $1,021.00pay $1,498.81
Artaunt F_ncloeed $~~. New syddreu a ameN't~PrM ~~ ~ ~I~.
526340D5200026870014988100537D81DOOOODS
03229 BEx a 12807 D
ERIC R MAYNOR
RICHLAND LN
APT 201
CAMP HILL PA 17D11.2439
CHASE O
I~rrlllrlrrl,rlrlrrlrrll,rrlrlrrrrll~lrl,r,ll,rlrlr,rllrrllrrl
CARDMEMBER SERVICE
PO BOX 16163
WILMINGTON DE 19866-6153
1:5000 i60 281: 44005 2000 2687011'
Opening7Closing Date: 04/7 0/07 - 05109!07 CUSTOMER SERVICE
CHASE O
t ~ 6
~
~
Payment Due:
M~nlm m $
1 Espanol ;-888 4
48.3
308
TDD 1-800-9558060
Pay by Phone 1-800.4367958
Outade U.S. call collect
1-302-594.8200
MASTERCARD ACCOUNT SUMMARY Account Number: sza3 41)06 2000 2667
ACCOUNT INOUIRIE9
Previous Balance $6,370.81 Total Credit Line ~ 000
Box 15298
P
O
Available Credit
New Balance ,370.81 .
.
~
Wilmington, DE 19650.5298
Cash Access Lino x,000
Available for Ceah $D PAYMENT ADDRESS
P.O. Box 16153
Wilmington, DE 198866163
- YISIT US AT:
www chase corrJcreditcarda
IYs not tao ktte to reaoNe the outstanding balance on your credit card account. We have a
variety of payment optlona that may be right for you. Call 1-888.792-7547 (oolect
1-902-694.8200)today.
FINANCE CHARGES
Finance Charge
Daily Periodic Rata Corresp. Average Daily Balance Due To Transaction Accumulated FlNANCE
Category 30 days in cycle APR Periodic Rete Fee Fin Charge CHARGES
Purchases .00000% 0.00° $6,370.61 $0.00 $0.00 $0.00 $0.00
Cash advances .00(X70% 0.00°/, $0.00 $0.00 $0.00 $0.00 $O.DO
Total finance charges ~ ~
EHsotive Annusl Poreentaps Rafe (APR): 0.0096
Please sae Intortnatlon About Your Acccunl eectlon for balance computation meUrod, grace pedod, and other important information.
The Corresponding APR is the rely of interest you pay when you carry a balance on any transaction category.
The Effective APR repreeente your btal finar7ce charges -including transacton fees
such as cash advartce and balance lranafer tees -expressed as a percentage.
~~~ ~~~ ~ ,
~.,,.~ ~
ex~ ~~
~~_
)( 000000 fISp335 DB 000 ~ B 09 0]:05~'OB ~e9a ~ 011 05888 MA MA 03128 12810000080000322901
https://instnntimnge.bnnkone.net/Star/ jsp/PrintDirectly.fsp
6/8/2007
Page 2 of 2
Address Cftenge Request
Please provide informaton below only if the address information on front t irxorrect.
StreetAddreas: ----------------------
City ---------------
Stale: --
ZP ----- ----
Home Phone: --- --- ----
Work Phone: --- --- ----
E-mail Addreee: ---------------
L
Ulormagoa AAaW Tear Aeeoud
Lod or Stdea Carle: Ptsase report your lost or stolen card immediately by
tilling the Customer Service number found on the front of your statement.
~ AtNlsors are always available to assist you. You can ruck an Advisor by
pnselnq 0 attar you enter your acoount number.
~ CntliUaB b Paymeda: For payments by ra9War U.S. mail, sand at least
~ your minimum payment duo ro our post office box tlesipnatct for payments
i shown on tht statemant. Your payments by mail must comply with the
instructbns an this sttement and must be made by shack or money order,
~ payable in U.S. Dollars, and drawn on or payable through a U.S. fimndal
~ irrshtutlon or the U.S. branch of a foreiyr financial institution. Do not send
= wsh. Write your account number on your dtdt or money order. Payments
- must De aceompanttl Dy the payment coupon in the envelope provided with
~ our address visible through tire errvebDe window; me envelope annot
~ contin more than one payment or ceupon; and tlxre can be rto shpla,
paper dips, tape or Correspondence Inducted wpb your payment. If your
payment is in accordance with our payment imtructlcns and Is made
avait6le ro us on any day except December 25 by 1:00 p.m. local time at
our poet oNiee box designated for Daymant on tNa sttemant we will ere6t
the payment ro your accomt as of tiff day. If your prymant is in accordance
wain our payment Instructlom, but Is made avallaDle to us after 1:00 p.m.
local tlme at our post office box tleelgmted for payments an this sttmenl.
we will credit it to your account as of me next day. If you do m[ fopow our
payment imtructions or if your payment is not sent by regular U.S. mail to
our post office box designated for payments. crediting of your payment may
be delayed roc cab to 5 eeri~ Payments made electraniulry through our
automated tlephone serWCe, Customer Service adNsors. or our vreh site
will be smject to any processing times disclosed for (hose payments.
Aceead lalormafiea RgoRN to Crslit Banaus: We may report
information aDOUt your accoum to cradle bureaus. late payment. missed
oaymant or other ddaWt on your account maybe reflected in your credit
report. If you think we have nDORed imccume Infomatlon ro a credit
bureau. yea may write to us at the Cardmember Service address listed on
your billing statement.
Meliee AAM Eleatreaie CAaelt Caveniao: Wfren you provide a check as
payment you authodze us Ntltr to use Inromatlon from your check ro make
a one-time electrorie find transfer from your aaount or to grease the
payment as a check Uarsaction, When we use infomaticn from your check
ro make an electronic fund transfer, funds may be withdrawn frgn your
account as soon as tM same day we restive your payment and you wig not
receive your check back hom your financial Instflutitm. CaA the customer
service numDU on mis statement if you have questions about elechonic
check cdlection or do mt want your payments cdlected electronically.
CoaHtlad Paymead: Any payment check or tither lam of payment that
you send us for leas Than the fWl balance due flat is marked "paid in full' or
contains a simitr nottion, or Ctt you otherwise tender in IWI satlstctlon
of a disputed amount, must be sent to Card Services, P.O. Box 05049,
Wilmington, DE 19850.5049. We reserve all our rights regarding mesa
payments (e.q.. if it is determined there is no valid dispute ar if arty such
check is received at any Omer address, we may aCC~t the check and you
will still owe arty remaining balance). We may refuse to aeceDt arty such
payment by retaining it to you, not cashing it or destroying it. All other
payments that you make should De sent to me aDDroDRate payment atltlress.
Mml Reeawal Notice: If your accomt has an annual fee, it will be billed
each ymr or in monthly inatpmems. whetitar or not you use your account,
and you agree to Day it when biped. The amuel lee is non-rofunOeMe unless
yc u notify us that you wish ro dose your accoum within 30 days of me data
wo mail your statement on which me amual foe is charged and at me same
tlme, you pry your outstanding balance in full. Vour payment of ma amual
fee does not aRecl our tights to dose your account and to limit your right to
make tramactlom on your account. It your account is dosed by you or us.
we wall continua to charge me annual fee until you pay your outstanding
Dabnce In tap and teminab your account rettlamhip.
Ekplasdlw of Fieawe CAager. We calculate pedodk fimnca charges,
using tlN applicable periodic retea shown on tins statement separatery for
rich feature (e.g., balance Innshr/corwenfence checks and cash advance
checks ("chock transactlon'). Durdtasea, balance trensfen, cash advances,
promotioml balances or owrdntt advances). Thine Wcuktiom may
combine different cetegories wim the same daily periodic rates. If mare is a
"V" mxl to a parodic rate on mt statement mat ref may wry, end the
index and margin used to determine Ctat reta and its coneapvndinq APR era
described In your Cardmember Agreement as amended. There is a
minfmum fimnca charge in anY Ollling cyde in which you owe any pedodic
fimnca charges, and a tramacbon finance charge for wch baance transfer,
cash advance, or cheek transaction, in the amoums stated in your
Cardmember Agreanant, as amended.
To get the dMy balance for each day of me current bipinp cycle. we take the
beginning balance for each feaWre, add any new Innsactiom or other debits
(indudlnq fees, unpaid fimnee charges and Omer elarges), subtract arty
payments or credits, and melre other adjustment. Transactions are added
as of me Innsaetion date, me beginrang of me bilpng ryele in whicA may are
posted ro your account, or a later deco of our Choice (acept that check
Vansecdons are added as of me tlat depositd by the payee or a ttr date
of our choice). Fees are etlded either on the date of a vetted transaction, the
date they are posted to your account, or the last day of the billing cycle. This
gives us that day's dopy balance. A credit balance is treated as a balance of
zero. II a daily periodic rate applies ro any feature, we multiply me daily
balance by the daily pedodic rate ro get your pedodic finance charges for
Thal day. We men edtl these periodic fimnca charges ro your daily bdenca
to get the beginning balance for me next day. (It more than one delty periodic
rata could apply based on the average daily balance, we will use the daily
periodic rate that applies for the average daily balance amount at the end of
the billing cycle ro alCWat the daffy pedodic fimnca dirge each day.)
To pet your total Dedodic fimnca charge tar a bipinq cycle when a daily
periodic rete{s) apppes, we add all of the dopy pedodic finance charges forall
fatures. To detamine an average dopy balance, we add your daily balances
and dNide 6y the number of the days in tM applicabe bipirtg eyde(s). If you
mulCpry the average daffy balance for each feature by ma applicable daily
periodic rate, and than multipy each of these nsult by the number of days
M the applicable DNNnp cycle(s), end then add eN of the resWts together, me
tall will also equal the pedodic finance dtarpae for the bilpnq uycle, except
for minarvarttions due to rounding. To qe[ your total pedodc fimnca charge
tar a 6tlfinp qde when a monmty periodic rata{s) applies, multlpty the
average daffy balance for each feature by the applicable monthly periodic ntr
and add the results ropether. The roll will equal the Dedodic finance charges
forms bppng cycle, except for minor wriations due td rounding.
Greer Pedotl {d lead 20 tlayt):
We accrue Dedodic fimnca dtarges on a bensadion, fee, or finance charge
from the date it is added ro your tlaity balance anal payment in full is
received on your aaoant. However, ere do not charge periodic fimnca
charges an new purctrases billed during a billing cycle if we receve both
payment of your New Balance on your current sttement 6y the date and
time your payment is due and also payment of your New Balance on your
previews attment by tl» dale aM time your payment was due. there is no
grace Denod for balance tnmfen, cash advances, check tranaadions. or
Ovefdratt adYanCBa.
la atlditia, it tAen is a "Gwliyieg Promadoaal FiaaaelaB" section oa
tlris ddemed, you will not incur Dedodic firtance charges on any
Remaining Batna Cwt appears in that section if you Day that balance in full
by tlfe appllable Ei~lradon Data. To avoid fimnca charges on new
purcftsea when your New Balance includes arty Remaining Balance{s) in
the Oualiying Promotioml Fimndng section, pay your full New Balance
minus the total of those Remaining Balance(s) by the date and time your
paymmt is due. However, it your sttsmml ahawa Ihat a minimum payment
is due, we mud receve at lent that minimum payment by the date and tlme
apedtied on your attement even if your New Balance consists only of
Dualiryinq Promotloml Financing balances.
Also, for some Oualiyinp Promotloml financing balances, pedodic finance
charges aarue during the promotioml period but are not added to your
account balance. Instead, they accumulate from billing cycle to billing cycle.
This Is refernd to as "deferred Interest" If a deferred Interest Omlifying
Promotioml Fimncing balance is not paid in full by me applicable Explretien
Data, me deterred finance charges will be added to your account as soon as
me fiat day otter me Expiration Date. Funhsr, if ycu default under the tams
of your Cardmember Agreement. Iha deferred finance charges will be added
to your account as soon as the date of tlefault.
BILLING RIGHTS SUMMARY
M Casa d Error or Gaediara AAod Yoar Bill: If you mink your bell is
wrong, or If you mad more Inromation about a tramactlon on your DIII, write
Grdmember Service on a separet shed at P.O. Box 15299 Wilmington, DE
198503299 as soon as possible. We must hear from you no later than 60
days aher we sere you the Ant htll on vfiich me error ar problem aDD++red.
You can telsphom us, but doing so wig not preserve your tight.
In your letter, glee us the follavdnq inlomatlon.
• Your name and account number
• The dollar amount of the suspecteO error
• Describe the urorand explain, if you can, why yea believe mere is an error
It you need more infomatlon, describe the Item you an umure about.
You do rat hew to Day anP amount in question while we ere investlgatlng,
but you are still obpgeted ro pay the parts of your hill that era not In
quasticn. While we investigate your question, we carrot report you as
delinquant or lake action [o wllect me amount you question. If you have
authonzect ua ro pay your credit card bill automatically Irbm your wvings or
checking acoount, You can atop me payment on any amount you mink is
wrong. To stop the payment, your latter or call (using me Cardmember
SeMce address or telephone number shown on this statement) must reach
us at least mree business days before Ihfl automaec payment is scheduled
to occur.
Spdal Rttle fa CntlN GrA PtlaAaeea: It you have a DrbDlem with me
quellry of grads or seMcea that you purchased wlm a credit card (excluding
pumfrases made with a cheek), and you have Ided in good faith to cancel
the problem with the merchant, you may not have to pay me remaining
amount due on me goods or services. You have mis pretectlan only when
the perchasa price was more man 550 and the purchase was made in your
home sit or witlan 100 mass of your mailing address. These limittbm
do no[ apply If wa own or oDereta the merchant or It we mailed you me
advenisemant for the property or services.
MA027207
https://instantimage.bnnkone.net/Star/ jsp/PrintDirectly.jep 6/8/2007
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 John K
Wells, 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.
se Bank, USA, N.A.
(Signature)
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SHERIFF'S RETURN - REGULAR
CASE NO: 2007-04727 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
MAYNOR ERIC R
MARK CONKLIN
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
MAYNOR ERIC R
DEFENDANT
the
at 2005:00 HOURS, on the 16th day of August 2007
at 8 RICHLAND LANE #A201
CAMP HILL, PA 17011
L+L] T/'~ UIT VTTr1D
was served upon
by handing to
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 13.44
Affidavit .00
Surcharge 10.00
.00
Sworn and Subscibed to
before me this day
So Answers
R. Thomas Kline
08/20/2007
WELTMAN WEINBERG REIS
BY=
Deputy heriff
of A.D.
WELTMAN, WEINBERG & REIS CO., L.P.A.
BY: Michael J. Dougherty, Esquire Attorney for Plaintiff(s)
I.D. No. 76046
325 Chestnut Street, Suite 501
Philadelphia, PA 19106
Phone: 215.599.1500
Fax: 215.599.1505
WWR # 06069221
CHASE BANK USA, N.A.,
CUMBERLAND County
Court of Common Pleas
vs.
ERIC R MAYNOR ,
N0. 07 4727 CIVIL TERM
PRAECIPE FOR DEFAULT JUDGMENT
TO THE PROTHONOTARY:
Kindly enter judgment against Defendant, ERIC R MAYNOR , in the default of an Answer, in the amount
of $5,949.39 computed as follows:
Amount claimed in Complaint
5,370.81
Interest from date of judgment at the legal interest rate of 6.00% per annum 78.58
Attorney fees 500.00
TOTAL 5,949.39
I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with
Pa.R.Civ.P. 237.1 on the dates indicated on the Notices.
I certify Plaintiff's address as CHASE BANK USA, N.A., c/o Weltman, Weinberg 8~ Reis Co., LPA, 325
Chestnut Street, Suite 501, Philadelphia, PA 19106 and that Defendant, ERIC R MAYNOR ,last known address is
8 RICHLAND LN #A201 ,CAMP HILL,PA 17011.
Weltman, Weinberg & R Co., LPA
By
Michael J. Dougherty, uire
• IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
ERIC R MAYNOR
Defendant (s) . .
Case #(~~ ~70~~ .C..i V 1 ~ ~~
IMPORTANT NOTICE
TO: ERIC R MAYNOR
8 RICHLAND LN #A201
CAMP HILL,PA 17011
Date of Notice : ~ ~,~,~~
WWR#: 06069221
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 WI2H INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELYGIBLE 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
i
BY: /
MICHAEL J. DOUGHERTY, ESQUIRE
PA I.D. #76046
WELTMAN, WEINBERG & REIS CO., L.P.A.
325 CHESTNUT STREET, SUITE 501
PHILADELPHIA, PA 19106
(215) 599-1500
IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
ERIC R MAYNOR
Defendant
Case no: 07 4727 CIVIL TERM
NON-MILITARY AFFIDAVIT
The undersigned, Michael J. Dougherty, attorney for the Plaintiff, 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.
That the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil
Relief Act (SCRA), 50 U.S.C. App. § 521.
That based upon investigation it is the undersigned's belief that the Defendant ERIC R MAYNOR is
not in the military service; and
That this belief is supported by the attached certification of Mary M. Snavely-Dixon, Director of the
Department of Defense -Manpower Data Center.
Weltman, Weinberg & R o., LPA
By.
Michael J. Dougherty, Esquire
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.
Request for Military Status
Department of Defense Manpower Data Center
Military Status Report
Pursuant to the Servicemembers Civil Re~ief Act
Page 1 of 2
OCT-22-2007 07:22:36
^C Last Name First/Middle Begin Date Active Duty Status Service/Agency
MAYNOR ERIC R 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 USCS 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.htm1
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 10/22/2007
Request for Military Status
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. NO. 07 4727 CIVIL TERM
ERIC R MAYNOR
Defendant
NOTICE OF JUDGMENT OR ORDER ERIC R MAYNOR
TO: ( )Plaintiff
(xx) Defendant
( }Garnishee
You are hereby notified that the
following Order or Judgment wa
entered against you on
(XX) Assumpsit Judgment in the amount of $5,949.39 plus interest and
costs.
)Trespass Judgment in the amount of $ plus interest and
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: lSI L~ ~ ~~
PRO ONOTARY (OR DEPU ) n~B
ERIC R MAYNOR
8 RICHLAND LN #A201
CAMP HILL,PA 17011
Our File No.: 06069221
r
IN TAE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
,~~ ~ p,~ I ~ ~~ ~PRAECIPE FOR VVRTT OF EXECUTION
caption: ~ ^ Confessed )udgment
~ r~~ ch /~ ~~d ~ ~,~a~ l
^ Other ~"'
File No. ~ 7 ~ ~~ ~ C ~ ~ f 1 C-f/'
. Amount Due - ~~ / 7 ! • ~~
. Interest ~~ o~ ~ ~q ~ 7~.
Atry's Comm
. costs
TO THE PROTHONOTARY OF THE SAID COURT:
The undersigned hereby certifies that the below does not arise out of a retail installment sale,
contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original
proceeding filed pursuant to act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as
amended. ~ 1
Issue writ of execution in the above asatter to the Sheriff ofl~J,~l, II 1 U C1C-b Ct~ ~
County, for debt,-interest an~Qsts, upon the following dcscnbed property of the defendant (s) ~~
PRAECIPE FOR ATTACHII~N~' E UTI N
Issue writ of attachment to the Sheriff of /'I') 6 " ~ County, for debt, interest
and costs, as above, directing attachment against the above-named garnishee(s) for the following property
estate, supp y ix copies of ~ descr~tio~; ly f c ~ of 1 pers ' t E~ ^
and all other property of the defendant(s) in the possession, custody or ~COmrol of the said garnishee(s).
^ (Indicate) Index this writ against the garnishee (s) as a lis pendens against real estate of the
defendant(s) descnbcd in the attached exhibit.
Date ~ f7 c~ __ Signature:
Print Name: ~ ~~
Address: 32s eti..~r ~
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Attorney for: ~I~ ~'~""" ~L 02 ~/r~~
Telephone:
Supreme Court ID No: 7fo~ to
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WRIT OF EXECUTION and/or ATTACHMENT
.._ .~
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 07-4727 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 ERIC R. MAYNOR, 8 RICHLAND LN #A201, CAMP HILL, PA 17011
(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 PNC BANK - 4242 CARLISLE PIKE, CAMP HILL, PA 17011 -ATTACH ALL OF
DEFENDANTS ACCOUNTS
GARNISHEE(S) as follows:
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 $5,949.36
L.L. $.50
Interest 5/12/08 - $189.72
Atty's Comm
Atty Paid $160.94
Plaintiff Paid
Due Prothy $2.00
Other Costs
Date: JUNE 13, 2008
(Seal)
REQUESTING PARTY:
Name MICHAEL J. DOUGHERTY, ESQUIRE
Address: WELTMAN, WEINBERG & REI5
325 CHESTNUT STREET
SUITE 501
PHILADELPHIA, PA 19106
Attorney for: PLAINTIFF
C is R. Lon ono
By:
Deputy
Telephone: 215-599-1500
Supreme Court ID No. 76046
SHERIFF'S RETURN - GARNISHEE
CASE N0: 2007-04727 P
COMMONWEALTH OF PENNSLYVANIA
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
MAYNOR ERIC R
And now SHAWN HARRISON
,Sheriff or Deputy Sheriff of
Cumberland County of Pennsylvania, who being duly sworn according
to law, at 0010:53 Hours, on the 23rd day of June 2008, attached
as herein commanded all goods, chattels, rights, debts, credits, and
moneys of the within named DEFENDANT ,
MAYNOR ERIC R in the
hands, possession, or control of the within named Garnishee
PNC BANK 5288 SIMPSON FERRY RD
MECHANICSBURG, PA 17055
Cumberland County, Pennsylvania, by handing to
CARRIE DEHART (FINANCIAL SALES CONSULTANT) ,
personally three copies of interogatories together with 3 true
and attested copies of the within WRIT OF EXECUTION and made
the contents there of known to Her
Sheriff's Costs: So answers:
Docketing . 0 0 .aE~.t~
Service .00 ~_
Affidavit .00 R. Thomas Kline
Surcharge .00 (Sheriff of Cumberland County
. 0 0 0 0 G/1 y/bY 7`/~
06/24/2008 _
Sworn and Subscribed to
before me this day of By
Deputy Sheriff
A.D
WELTMAN, WEINBERG &REIS CO., L.P.A.
BY: Michael J. Dougherty, Esquire
I.D. No. 76046
325 Chestnut Street, Suite 501
Philadelphia, PA 19106
Phone: 215.599.1500
Fax: 215.599.1505
File # 06069221
Attorney for Plaintiff(s)
}
CHASE BANK USA, N.A. }
}
vs. }
}
}
ERIC R MAYNOR }
Cumberland County
Court of Common Pleas
NO. 07-4727 CIVIL
PRAECIPE TO DISSOLVE WRIT OF EXECUTION AS TO GARNISHEE. PNC BANK
TO THE PROTHONOTARY:
Kindly Dissolve Plaintiff's Writ of Execution as to Garnishee, PNC Bank, in the
above-captioned matter.
WELTMAN, WEI
By
& REIS CO., L.P.A.
Micha I ;J. Dougherty, Esquire
Attor y for Plaintiff
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R. Thomas Kline, Sheriff, who being duly sworn according to law, states this 0
~~
Writ is returned ABANDONED, no action taken in six months.
`'1T~
Sheriff's Costs: Advance Costs: 150.00
92.31
Docketing 18.00 57.69
`-U-1 Poundage 1.81
~°~ Advertising Refunded on 01/20/09
r~ Law Library .50
._, Prothonotary 2.00
Milage 11.00
Misc.
Surcharge 30.00
Levy 20.00
Post Pone Sale
Certified Mail
Postage
Garnishee 9.00
92.31 / So Answ rs, '
~ ~ ~. a ~ n ti ~,,., ,,'"~ ..~
R. Thomas Kline, Sheriff
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 07-4727 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 ERIC R. MAYNOR, 8 RICHLAND LN #A201, CAMP HILL, PA 17011
(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 PNC BANK - 4242 CARLISLE PIKE, CAMP HILL, PA 17011 -ATTACH ALL OF
DEFENDANTS ACCOUNTS
GARNISHEE(S) as follows:
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 $5,949.36
Interest 5/12/08 - $189.72
Atty's Comm
Atty Paid $160.94
Plaintiff Paid
Date: JUNE 13, 2008
L.L. $.50
Due Prothy $2.00
Other Costs
C is R. Long, P onota
(Seal) By:
Deputy
REQUESTING PARTY:
Name MICHAEL J. DOUGHERTY, ESQUIRE
Address: WELTMAN, WEINBERG & REIS
325 CHESTNUT STREET
SUITE 501
PHILADELPHIA, PA 19106
Attorney for: PLAINTIFF
Telephone: 215-599-1500
Supreme Court ID No. 76046
WELTMAN, `WEINBERG & REIS CO., L.P.A.
BY: Michael J. Dougherty, Esquire Attorney for Plaintiff(s)
I.D. No. 76046
325 Chestnut Street, Suite 501
Philade{phia, PA 19106
Phone: 215.599.1500
Fax: 215.599.-1505
Fife # 06069221
}
CHASE BANK USA, N.A. } Cumberland County
} Court of Common Plus
vs. }
}
ERIC R MAYNOR } NO. 07-4727 CIVIL
PRAECIPE TO DISSOLVE WRIT OF EXECUTION AS TO GARNISHES, PNC BANK
TO THE PROTHONOTARY:
Kindly Dissolve Plaintiff s Writ of Execution as to Garnishee, PNC Bank, in the
above-captioned matter.
WELTMAN, WEINBERG 8~ REIS CO., L.P.A.
BY
Michael J. Dougherty, Esquire
Attorney for Plaintiff
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PRAECIPE FOR WRIT OF EXECUTION - (MONEY JUDGMENTS)
RR.C.P. 3101 to 3149
?? l `IP'1 Ted •? IN THE COURT OF COMMON PLEAS OF
C iiC-0 COUNTY, PENNSYLVANIA
No. ?`" AIZIGVi 1-brerm 20 J.D.
Vs No, Term 20 E.D.
PRAECIPE FOR WRIT OF EXECUTION
(MONEY JUDGMENT)
To the Prothonotary: ISSUE WRIT OF EXECUTION IN THE ABOVE MATTER,
(1) Directed to the
(2) against
(3) and against
(4) and index this r
(a) against S
County,
Defendant(s);
Garnishee(s);
1 ' I ( Ul '1_4 Defendant(s) and
(b) against 17 - ?;-
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Garjilshee(s),
as a lis pendens against the real property of the defendant(s) :in the name of the Gamishee(?) as follows: (Specifically
describe property) 'Se CL+?l
$ay• SO To
? 405 ?00
g'
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due
(5) Amount
Interest from II
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Total
Dated
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WY ti? car Srrr ?s?u?d ? ? Qi
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Attorney for PI
NOTE
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2??ss aoo
aintiff (s)
Under paragraph (1) when the writ is directed to the sheriff of another county as authorized by Rule 3103 (b), the county should be indicated.
Under Rule 3103 (c) a writ Issued on a transferred judgment may Ge directed only to the sheriff of the county in which issued.
Paragraph (3) above should be completed only If a named garnishee Is to be included In the wrtt.
Paragraph (4) (a) should be completed only If Indexing of the execution In the county of Issuance is desired as authorized by Rule 3104 (a).
When the writ Issues to another county Indexing is required as of course in that county by the prothonotary. See Rule 3104 (b).
Paragraph (4) (b) should be completed only if real property In the name of a gamishes Is attached and indexing as a Hs pendens is desired.
See Rule 3104 (c).
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WRIT OF EXECUTION and/or ATTACHMENT
.
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 07-4727 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due CHASE BANK USA NA, Plaintiff (s)
From ERIC R. MAYNOR, 6 Stillwater Circle, Dillsburg, PA 17019
(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:
CITIZENS BANK, 665 North East Street, Carlisle, PA 17013 - 0946 ,all d*,a"}is
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 $5,949.39
Interest from 10/31/07 - - $1088.46
Atty's Comm %
Atty Paid $285.okS
Plaintiff Paid
Date: 01/05/2011
(Seal)
REQUESTING PARTY:
Name MICHAEL J DOUGHERTY, ESQUIRE
L.L.
Due Prothy $2.00
Other Costs
1, thonotary
By:
Deputy
Address: WELTMAN WEINBERG & REIS CO. LPA
325 CHESTNUT STREET
SUITE 501
PHILADELPHIA, PA 19106
Attorney for: PLANTIFF
Telephone: 215-599-1500
Supreme Court ID No. 76046
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff _ C)
C-) n
??
Jody S Smith = ---4
Chief Deputy rn-
"u
Richard W Stewart rn
Solicitor
CD
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O `n
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° M
Chase Bank USA, N.A. -+
C
<N
*
vs. asL
u
er
Eric R Maynor 2007-4727
SHERIFF'S RETURN OF SERVICE
01/12/2011 10:03 AM - Sheldon Marshall, Deputy Sheriff, who being duly sworn according to law, states that on
January 12, 2011 at 1003 hours, attached as herein commanded all goods, chattels, rights, debts, credits,
and monies of the within named defendant, to wit: Eric R. Maynor, in the hands, possession, or control of
the within named garnishee, Citizens Bank, 665 North East Street, Carlisle, Cumberland County,
Pennsylvania 17013, by handing to Jessica Webb, Teller Manager, personally three copies of
interrogatories together with three true and attested copies of the writ of execution and made the contents
there of known to her.
The writ of execution and notice to defendant was mailed on January 13, 2011 to Eric R. Maynor, 6 Still
Water Circle, Dillsburg, PA 17019.
SO ANSWERS,
January 13, 2011 RON R ANDERSON, SHERIFF
She- l on Marshall, Deputy
??CUn`:y i to Sneza??. TeIoosott lur,_
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA
CIVIL DIVISION
CHASE BANK USA N.A.
Plaintiff(s),
VS.
ERIC R MAYNOR
Defendant(s),
and
Citizens Bank of Pennsylvania,
Garnishee.
07-4727 CIVIL TER
Mco C_
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ANSWERS TO INTERROGATORIES OF GARNISHEE, CITIZENS BANK
The Garnishee, Citizens Bank of Pennsylvania responds as follows to the Interrogatories of
the Plaintiff(s):
(NUMBERS _1_ to _12_) At the time of service of above-captioned Writ of Execution and to
the present, Citizens Bank of Pennsylvania, provides the following Answers to
Interrogatories:
The Garnishee, Citizens Bank of Pennsylvania, states that it maintains no record of any
deposit account in the name of the defendant, ERIC R MAYNOR, accordingly, no funds are
being held subject to this Writ of Execution.
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF ALLEGHENY
SS:
Before me, the undersigned authority, a Notary Public in and for said
Commonwealth and County, personally appeared Penny Donaldson who being duly sworn
according to the law deposes and says that she is the Legal Clerk, Operations Services, and
that the statements set forth in foregoing Answers to Interrogatories are true and correct to the
best of her knowledge, information, and belief.
1
r
P y Donaldson
COMMONWEALTH 01F PENNSYLVANIA
Notarial Seal
Sworn and subscribed before Sara Wilkerson, Notary Public
City of Pittsburgh, Allegheny County
My Commission EXnires April 26, 2014
me this day of Member, Pennsylvania Assniatinn of Notaries
r_1Gf) UG?L 2011.
Notary Public
Certificate of Service
I, Penny Donaldson, hereby certify that a true and correct copy of the Answers to
Interrogatories has been served upon the following by depositing it in the U. S. Mail, postage
prepaid, this 18th day of JANUARY, 2011.
WELTMAN WEINBERG & REIS CO, LPA
325 CHESTNUT ST, STE 501
PHILADELPHIA, PA 19106
Penny naldson
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA
CIVIL DIVISION
CHASE BANK USA N.A.,
07-4727 CIVIL TER
Answers to Interrogatories
Plaintiff(s),
VS.
ERIC R MAYNOR,
Code: 200 Execution
Filed on Behalf of Garnishee,
Citizens Bank of Pennsylvania
Defendant(s),
vs.
Citizens Bank of Pennsylvania,
Garnishee.
Counsel of Record for
this Party:
Nicholas Deenis, Esquire
PA I.D. No. 62378
Stradley, Ronon, Stevens & Young
Great Valley Corporate Center
30 Valley Stream Parkway
Malvern, PA 19355-1481
(484) 323-1351
(610) 640-1965 fax
WELTMAN, WEINBERG & REIS CO., L.P.A. '
-?
BY: Michael J. Dougherty, Esquire by
Attorney for Plaintiff(s) d
..?
I . D. No. 76046 ..o
tv
-'n "
M-
325 Chestnut Street, Suite 501 ® - ?
Philadelphia, PA 19106 r -
Phone: 215.599.1500
Fax: 215.599.1505
File # 06069221 zca car,..
N
CHASE BANK USA, N.A. } CUMBERLAND County
} Court of Common Pleas
vs. }
}
}
ERIC R MAYNOR }
NO. 07-4727 CIVIL TERM
PRAECIPE TO DISSOLVE WRIT OF EXECUTION AS TO GARNISHEE. CITIZENS
BANK
TO THE PROTHONOTARY:
Kindly Dissolve Plaintiffs Writ of Execution as to Garnishee, CITIZENS BANK, in the
above-captioned matter.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By
Mich I J. Dou herty, Esquire
Attorney for Plaintiff
f .m' R "w ?cJ affy
C? a55 i ?? i
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson ?,? FILED-OFFICE
Sheriff
?:F T'HE PROTHONOTARY
Jody S Smith ZQI
Chief Deputy AUG 23 Pty 3: 52
Richard W Stewart CUMBERLAND CUUNTY
Solicitor F PENNSYLVANIA
Chase Bank USA, N.A.
vs. Case Number
Eric R Maynor 2007-4727
SHERIFF'S RETURN OF SERVICE
01/12/2011 10:03 AM - Sheldon Marshall, Deputy Sheriff, who being duly sworn according to law, states that on
January 12, 2011 at 1003 hours, attached as herein commanded all goods, chattels, rights, debts, credits,
and monies of the within named defendant, to wit: Eric R. Maynor, in the hands, possession, or control of
the within named garnishee, Citizens Bank, 665 North East Street, Carlisle, Cumberland County,
Pennsylvania 17013, by handing to Jessica Webb, Teller Manager, personally three copies of
interrogatories together with three true and attested copies of the writ of execution and made the contents
there of known to her.
The writ of execution and notice to defendant was mailed on January 13, 2011 to Eric R. Maynor, 6 Still
Water Circle, Dillsburg, PA 17019.
08/22/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states this writ of execution is
returned as ABANDONED. No action on writ in over 6 months.
SHERIFF COST: $86.99 SO ANSWERS,
August 22, 2011 RONKS( R ANDERSON, SHERIFF
ALA.
to)Cour,ySuiteS:herdf. leleost Inc.