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Home My WebLink About07-4905 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintif f No : D'~] - ~fQ05 Civi l Te('M vs. SUSAN STOCK COMPLAINT IN CIVIL ACTION 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 05928756 C N Pit SGM IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. Civil Action No SUSAN STOCK 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, CAPITAL ONE BANK is a corporation with offices at 140 EAST SHORE DR GLEN ALLEN VA 23059 . 2. Defendant is adult individual(s) residing at the address listed below: SUSAN STOCK 20 ORCHARD CARLISLE, PA 17013 3. Defendant applied for and received a credit card bearing the account number 5178052315705109 . 4. Defendant made use of said credit card and has a current balance due of $4376.86 as of July 19, 2007 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 27.740°s per annum on the unpaid balance from July 19, 2007 A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant SUSAN STOCK INDIVIDUALLY in the amount of $4376.86 with continuing interest thereon at the rate of 27.740°s per annum from July 19, 2007 plus costs. _~ _ James C armbrodt,42524 WELT EINBERG & REIS CO., L.P.A. 436 S e th Avenue, Suite 2718 Pitts ur h, PA 15219 (412 4 4-7955 FAX: 41 -338-7130 059 87 6 C N Pit SGM This law firm is a debt collector att p ing to collect this debt for our client and any information obtain d ill be used for that purpose. ~!. ~~r'~~to peoplepcta online u Abetter way to Internet. ~ Surf up to • , 5x fasterk~f, ~1 FREE Acce/erainr ~ fhe fast M mattltsr-a fB0 value! 1-888-587-9669 .~ • • ' Mention Offer Code: DOLLAR _ ,~ Usit www.peoplepc.corn/go/dollar Ccip/td/Q~° Accotmt S Previous Balance (2,837.24 Payments, Credits and Adjustments f.00 TransarYions (35.00 Finance Chazges (65.41 New Balance (2,937.65 Minimum Amount Due 12,937.65 Payment Due Dale January 1Q 2006 Total Credit Line (2,500 Total Available Credit 5.00 Credit Line for Cash (1,000 Available Credit for Cash 5.00 At yotu service To nll Customer Relations or to report a lort or rtolen ord: 1-800-903-3637 Send payrcwnts to: Send inquiri s to: Attn: Remitmnce Prarseing Capital One Bank Capital One P.O. Box 60014 P.O. Box 30285 City Indust CA 91716-0024 SLC, UT 84130-0285 Imoortant Account Information It's Capital One Bowl week time again! Tune in to ESPN and ESPN2 starting on December 20 for the beat in post-season college football Trion to see your favorite teams fight for bowl dtatnpionships. And on January 2 at 1 pm (ET), be sure to tune into ABC to watc}t the Capital One Bowl live from Orlando, Florida! UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® VrU$ Prot@C'flOn powered bySymantecTM ® Pop-Up Blockert^' `~ Spam Controls ® ' Smarter Smart Dialer Technology ®~ More Email Addresses ~ ~ Internet Call Waiting PLATINUM MASTERCARD ACCOUNT 5178-0523-1570-5109 NOV 11-DEC 10, 2005 Page 1 of i Payments, Cre&ts and Adjustments Ttattsactions 1 10 DEC PAST DUE FEE 535.00 As a valued Capital One customer, you aze eligible to receive a free Year-End Summary for this specific account that recaps your 2005 dtarges, provided your account u in good standing and you have made transactions during the calendaz year. Please call t-877-794-4487 before January 31, 2006, to reserve your copy for this account. Orders will be mailed out by the end of February 2006. We appreaate your business and you deserve great benefits. We'd like you to know that your Platinum card benefits have been updated. For details, visit www.capitalone.rom/aeditcards and dick on the Guide to Benefits link. Thanks for choosing Capital One. You were assessed a pas[ due fee of (35.00 on 12/10/2005 becattae your min'vnum paymem was not received by the due date of 1?J70/2005. To avoid this fee in the future, we recommend that you allow at least 7 business days for }roar payment to reach Capital One. Pittance Charges Please ra revnreride jot imfmiaat injo(rn~r~~i`on rerdr Penodrr Cwrrspoalnd '~AKCi~ m .yeplydm sv. APk is PURCHASES (2,868.73 .07600%P 27.74% f65.41 a CASH f.00 .076009GP 27.74% f.00 ANNUAL PERCENTAGE RATE applied this period 27.74% • PLEASE RETURN PORTION BELOW WTTH PAYMENT ~~~• 0000000 0 5178052315705109 10 2937650075002937652 New Balance (2,937.65 Minimum Atnount Due (2,937.65 Payment Due Date January 10, 2006 Total endowed f AaoutrtNanfim 5178-0523-fS70-5109 Plearrp.vst •sailind add~ev and r-rn.iJdmrdes brloa,Wring b! wbLnt in.E Street Ape R cy sa,a zlr Home Phone Atarnaa Phone Addrea ~ #9034515610965343# MAIL ID NUMBER Capital One Bank ~ SUSAN STOCK r P.O. Box 60024 i't~n~~~utut~~~~ttt~ ~ ~ 1217 SWAN DR ~"" City Indust CA 91716-0024 m ~ PATTERSON CA 95 63-8 33 ~~tiuut~~~ut~w~~ti~u~~utiiuut~t~tiu~u~t~t~u~t~u~~ ° ~ Pleat turiteyow acoant Watson on yore Thee( or ntonry ordn made payable ro Cafital One Ban.( and rnai/ in the eru~laed envelofe. r peoplepcTM online u Abetter way to Internet, VNLIMITED INTERNET ACCESS . 1-888-587-9669 • • • Mention Offer Code: DOLLAR Visit www.peoplepc.com/go/dollar PeoplePC is solely responaDle is Nis die, and'a not alfilialed viiN Capital One. Capital One does not provide, endorse a guarantee, and rs not alfdiated witlt, arty prodttd or service shtwm here. Ary traderneks nteltbnad herein are solely owned by the respective anity. N fIAhN reserved. 8y responding to tlris offs you rttay be commuricaNnp kdtKtttdion about ytarwl to the company Nat provides NLS produd -for ezarryle, Nat you are a Capital One cttdonler. 'PeoplePC OnNna: First 3 momhs are bHed al 54.97 per monN; 39.95 per Itrondl thereafter. Oie available to rlew 6al-up subsgibers at least 1 N y~rs d age and may clot be redeemed tdN arty oNe tile. offer subiad to tirenpe M any time. Phare tecMicel auppdrt availade fa 51.95 per minute. tAccelerda Is flee fa 12 months Offer gootl fa arraled time After the first 12 ttpnNS, Ne Acclleated eavice wit alAOmalicdly revert to the standard PeoplePC OrNkre service. OIFe dlbled to dtanpe a< anytkrla With PoopkPC OMkre Accelerated, certain Web page teat and grapMCS wiN bad lasbr when catlpered to startled dial-pp IrKemN service. Aaual tesuNs may vary. PeopINPC Online Accelerated is ony canpatble wNh PapbPC Odine ImemdseNce an0 spwiFbd Wndows® browsers. PmdePC Orlfine Accdealed a not canpatibk wiN Wildowa® 95 with IE 5.5 SF2. Service not aveiabb in all areas. Access taco, taus, and odrer taco and redddiaa may ePdy Tdephpro tPN charges may appy, eren during trial peiods. You» resporleible fa tiderlrNrpng wtrtdhe a pi to one of oa access nraMers will result ~ tdephane id drarges. Aaeas may be limited, espetxaly tluritrp lines of peck usage. Dial-up raattera rimy be chatgad at PeoplePC'adisaetion. Corldrluow we subject to kmedta prooedaes. N use is aubjea to PeoplePC crime's Services Agreerrrerd and Acceplade Use Policy 55K is the makmum speed of service; adual speed may vary. 02005 PeoplePC Mc. N Rids Reserved PeoplePC Orilne and Its logos are tradenarks of PsoplePC it the U.S. and other ceurtries 02005 Capital One Services, Inc. Capial One is a federally regk#ered service mark. N rights reserved g o , ni t Nm; o me ° a~ wdodic rate. To obtain the average daily balerxxr for tta bNlirtp period cevered DY tea dstemem, vve [eke the beginrinp helsrtce of ach aepnax uch day, add any new hartumiom to udt sepmrmt, aM subtram any paymrvtta or credits. Ilf the code N appears rn the fran of tea datrmem ren to 'BSldtce Race Applied To," we rive sttMretx arty unpaid firertce ddrpe irrdrtded in the balance 01 udr aepmm2) TMs yvea w the tlapy balance of esut aeptnera. Then, we add up ell the drilyy bdancu for ucn aepttsn br the bilNrtp period and dvtde by the tad aanber of days rn da dllirq period. This yva w ttte averspe dopy Wlartce of uch aepnem. 3. Mad Pre~saps Re1a IAPR1. a. The term 'Arvwal Portxmage Rme' may appear as 'APR' an the horn of tea datemem. h. Ii the code P IPdmel, L (3-mo. UBORI, C IGrtificero of Depodtl, a S IBSratcem Pdmel apparo on the from 01 trio detemera rext to the pedadc ntelsl, the dock taro and cerraparMrp ANNUAL P~tCENfAOE RATES may very gwrtedy and maY incruae or dwreaae booed an the Hated itdcea, ea touW in The Waw Street Jorana; yw tta margin proviaudy dsdoasd to you. These daryta will be effective m the find day of your bMNrq penal metered by yWr wdodie sutemttm erring the mornM Jataiary, April, JWY and October. c. If the code D IPdmel. F Il ave. UBOR) or G 13-ma. LIBOR Repriced Mantliy) appa~re an the hen of your ddameM reM to me paria6C ratala), iha padOdiC foss end certeaporafirtp ANNUAL PERCENTAGE RATES may wry madly end maY Irorua Or rlacrcea based an the atnetl iMces, as toad in T/ro wag Street ./oranal, plus the many preMOUdy diatloaetl to you. Those cMrtpes wiN be effective m the first ley of your bilfirq pedal udt marsh. 4. Assadrwlt N Lrts. OvsrNrlNt arm Ralrarratl Paymdrt Fsa. Your atxxarn wIN w eaeaed ro more iron two of the fees lined here that axes tlurirtp any MNirrp period. llntler the tams of your aataner aproemen, ne reserve the dyrt to vvefve ar rat to eeaea any tees withan prior nodficedon m you vrithaa waiwrtp our dye to aacea the acme or dmil8r tees at a late time. 6.tRrtawkp Yeu Aeasut. If a memberdYp fee appears an the fron of dlis datemem, you lave 30 deri tram the data Chia dnrrrren wee mdled to you to avoid wWq the fee or m Mre artlt fee cretlited to you if you Cancel your octant. Duritp this penal, you may cmdrare to ua your actxarn wlttran faNrrp ro pay rile membeMip tee. Ta certcd your accaaa, you mun rrodfy w by cellirp our Gatarror Rdniara Depenmem end pay yea Now Bdarree' in Ail lexdutfing the memberdip tee) Pd« to the end of the tNnY-day wdod. 8. N Yeu Clsa Ytar Arraotat. yw can regrreat to tlose yyoouur aaarx by falling our Cwtomer Rdadrnf Depemnem. You mtal destroy your cre6[ cerMal end accoum atxzza docks, cancel dl Prauthodzetl bating, end area wimp yar eccarart. If you do not certcd preeuthod:ed tiny arrargantnta, we wNl cartler retzdpt of a large your auhodznion ro reopen your acrarrn. Atl6daully, your atxxxm sslq rat be dosed untll you wY aN amotnts you owe w indudnp: any trareeaiors you have sutMdzed, flrartce darpea, wd due fees, ovenimh fas, returned peymtm fees, cash advarae tea and any omen feu afaeteed to your octant. You ere refpasNde for then amrxntf wtadar may appear On yarn atx:oum n the time you repast to dare tla sawn or tfrey are irtnsted atttaegwrx to your regran to done the aceraatt. Tlla may rear M darga appadnp on your stxoran skier you have your atxwn if it has already bean dosed. For example, if you eutladzed a purchase from a merdam and we receive rive tramaction from the merdam ah« your accwrc tas bean dosed, your accent wtll be reopaatl, the amotm of the tlarge will w added m your ecceua, and you will he respOndble for wymem. If here is a membeMiP tee for yar accetart, rite fa wiN txankad to De tlar9e4 to the extern wrmirtetl by law, renll the atxarrt Odartce has bean paitl in NI as dafiraxl above. 7. Daily Yw Aaaaus.YWr ntd Or accent Gnnot to used in aromecuon rNih arty iaem« gsmding trorwactiora. 8. NalMs AbwR F]sWrnis tlwak Cmvsrsbn. When you provide a dock u wYrrrratt, Vou sutanze w either to ua inbrmadon trap you dock to make a as-time electroNC hod transfer from your bank ucceraa or to procea the wVmdn a8 a CtaCk traraectlon. When we ua Intomtstlm irom yea dreck to make an akctrasc ham trarafd, fords maY be widtaawn iron your boot accaan a soon as the same day we receive your paymtmt, and you will rat receive your deck Deck from your flrorxaal iratroaian. BILUNO RIGHTS SUMMARY Iln Ga Ot Firore Or Otrediers Abou Your Biill If you 1Mnk your hie is wratp, or if you reed more infomtetian ort ^ traradmian or bNl, wine to w on s separate sheet as won as posaiMe at the eddrea for itgriria dawn on the tress of this sidemen. We must tsar fran you ro later lion BO days ohm we feint yw the frrt biN on wNdt da error or prodem appaarod. You cen ceY our Qatomar Rdnicra ramber, bur doing w wtN not preserve your rights. In your tarter, give w rite tONOwirq ntomution: your name and secorrs number, da ddlar arrwe Of tla daPected errs, s tlewdpdm of fro error antl an etplaradon, it ptadMe, of wlty you brelsve there la an error; or It yw need more Information, a tleecdptian of the item you are tnwro sbae. You tb not rave to wY errV amaarc kt question w/de we ero invedipsdrtp h, but you ero dal odignad to pay the parts of your biN dot are not m quewm. Whits we invesNgne your queatim, we cerrtoi rayon you ss ddirtgrant « take any action m cdlect the amaatt you queatim. f,i' Spedal RWe far Crerh Gm RuUUSa If you have a prodem with the qudhy of property or urvicea i7W you purdased wlm a crerfit rim arts you lave cred in gootl falm to correct Va protlem wain the merlon, you nreV Itsve da right tat to wY the remairtirtp amaae due On the prtlperty or arvitxa. Vou have this prorectian aNyy witerr the purchsa ce wee more don 860.00 and Ute purcMa wins m in your tame one or within 700 miles of your mdNrg etltlrea. fH we own or awrde the merrhem, or If we meikd you lla adverdament for the property or arNces, dl purcluaes arc rxwered repsmka of emaan «locetian of purdau.) Pluae remember to dgn aN correaporrderrx. t Ones not apply m ronsrmar Haw-cre07z ceN accornta i DOes nor apply m bushress nonrse0ll card s Gpitd One supports inlamstion privacy protection: sa our webaite d www.cepirelaa.txm. GphN One is s tederoay reynered urvice mark of Gpiw One Frertdal Grporetian. All nyxs rearvw. 0 2003 Capnd One 01lGLBAK t a. @aw Prod. you wNl Mve a miNmrm prate wdod of 25 days vdthout firrertce drsrya ort new purdasa, new balance tnratero, new apsdd purriweas ud new other darpss if you wY you trial 'New Balance', in eccerdsnce whh the Nnponarx Notice for wymesa blow, artd h time for h m Da credtad by ytaa rear datemem tloaktp date. There is ro prate period on ceah atlvaroa end rpwiel trerafero. In arkYtian, daro b ro prace period on any vwaaction it you do not pay tra tow 'New balance.' D. Aaartp Firrae Qr>,pa. Troreemiaa which are rm atbject to a prate wdod are aaseaaed finarx:e darpe 11 Tram ttw date of tla traraanim or 2) iron the date the traraactim ie procmad to yw Arx:oum or 31 fran the fin celdmar day of the Curren doing period Ad6tiorWly, if you did not wY the 'New Belartce' ttarn ttre Previous NNlry pedatl kt kits, Arerce darpa cuskac co accrw to your unpaid balance uml the urrwi0 bdertce is witl h NI. TMs mesa dtn you mayy arty owe firorxx dargea, even if You pay the entire New Baleroe indcated an the from of your datranem Dy the neW s4temeln dosing date, but did rot tlo w for the preview monm. Unpdtl finance darpa are atltletl t0 the eppibahle se0ntatt of your ACCgIm. tc. Minivan Fitsraa Qrwpa. for each hiNirtp wood that yaw sccoun is suftjecr to a fuarrce cherpe, a mirimun tad RNANCE CHANGE of 80.50 will be imposed. If the told firtartce durge rewifag flan ma applicedon of your penaYC ratela) is leu tMn 80.50, we will suMred tMt emtxsn hen the 80.50 miMmun sro the dlference will ce MYed to the purcMae ae~n~l of your trccoun. t d. Tenporry Raizetist F Fir.tw Clrga. We rourve the ndn to not aasees any or dl finance darpes for any given irB Period. 2. Awdapa DW Baldaa Iktdtrditp Maur Waltual. e. Ffrartce tdarge is caltxlatetl Dy mtltlplylnp its drily balance of rich sepntem of yon accent {e.4. ceah advance, purchase, aperdN trambr, and apedel purchex) by dta correspartrfirp daily pedodm rnelal tNt Ns bean prowoWy di.cloeed Io you. At rive aria of each day eunrrp the DYfirtp pedotl, we apply are MYy penorYC me for uM aepnem of your trccaas ro rte drily balance of uCh sepam. Then at the end of the MNinp wdod, we add W the reauhf of these rLNy celtxledore to arrive n your wnotic flrwrrce date br ach ssynan[. We add up the resdn from escn segmen 20 arrive d the total wriafic firerax crrerpe 1« your srxaant. To pet the tlsey balance is adt sepnwt of your actxasn, vre take the bnyndttp bdartce for uch aegmwt and add any raw ireraacdaa end arty perio6c finance cfarpe celalercd m the preview dey'c Wlance for tMt aeprnem. We don wbtrem any wymens « cedts ptatw as of dart day dot ero allocdetl to that aeWnem. TMa yvea w ma sepaate dally belsrtce fa uch eslinem of your eccant. However, If you pdtl Ute Nave Balance flown on yax Dreviaa stattprtere it full for if your new Ddsnce was zero or a cretfii emoun), new tnrracdors which pod to your purohaa « spade purdaa aWrtterrts arc not added to the tlaNy belsrtcee. We celculde the averepe Nlly balance by addnp all the dally balances together end rfivitfirp the sum by tla rarrrber of the dari in the Conant DNNrq cycle. To Wcdate yea final firertce darpe, mtltipyy your everape daily balance by the daily wrioAe me and by the rxanber of day in are bilNrg period. Ute to rout6rg an a Wily beds, there may be ^ dlytt vadartce between mis ralculetian antl the errrtarn a fiwrtce darpe sdway assessed. b. If da code Z or N sp{asrs on the hen of this datamem next to ' Bslaroe Roe Appied To,' wa mdddV the Irttpatrt Hellas: Paymens you maY to w will w cre6ted to your atrara as of the lxtdrass day we receive: it, Provided 111 you sad tla 6onom pordan of 1Ma daferrant arm your dteck In tla eradoad raminarrce erndape arm f21 your wYmem Is received m as Procesdrq timer by 3 p•m. ET 112 roan PT). Pbaa allow at ben five 161 btdrrea tlari br podd tlegwary. Paymens raceivetl by w d any odter locadm or in any Omer form may rat be credite0 as of tie deY vac receive them. Our brzdrrea dsri am MormaY thragh Saturday, exdutfinp hdidari. Pluae tb rat we deplu, paper tlips etc. vdan Ptewdrg your peymttm. Wtan You Gard w e datcklal, you eutladze w to make sore-time dedralc trarafer dedt from your bank eccan[ for the emtxatt of the deck. TNa auMdzation applies 10 eN Checks recavem during the MNinp cycle even if win by someore rise. If we Gam procae the trero/er, you auttmtze w to make a arrange agairtd your bank accent rdrg da check, a paper tlrah or odor item. ~_~, VERIFICATION CAPITAL ONE BANK vs STOCK, SUSAN The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he/she is, MARITZA ROBERTS, Authorized Agent, of CAPITAL ONE BANK, Plaintiff Herein, that he/she is duly authorized to make this Declaration, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. n TZA OBERTS Notary Public Uvonda S. Brooks Notary Public Douglas County, Georgia My Commission F_xpires February 29, 2008 5178052315705109 A049 WELTMAN, WEINBERG & REIS CO., L.P.A. C'7 r•, -6a. c.` - , ~ -, v ,.~ '~`7 ~ T:.• 1~ n_ x ~ O ~.v7 j J '. ~_ y_ ~ 1 h t~ _ _ \~ ~~~~a 6 ~ ' „C ~ _ ^} ~; •~ ;~, "1 C~ ~4 ~{ SHERIFF'S RETURN - REGULAR CASE N0: 2007-04905 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK VS STOCK SUSAN RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon STOCK SUSAN the DEFENDANT at 1426:00 HOURS, on the 22nd day of August 2007 at 20 ORCHARD AVENUE CARLISLE, PA 17015 by handing to JANE JONES, DAUGHTER 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: So Answers: Docketing 18.00 Service 9. 6 0 ~~~~'~~~~-~ ~~,__P Affidavit .00 Surcharge 10.00 R. Thomas Kline .00 Y/~,~~e? ~L, ~ 37.60 08/23/2007 WELTMAN WEINBERG Sworn and Subscibed to By: before me this day D puty Sheriff of A.D. I"' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. SUSAN STOCK, Defendant No. 07-4905 Civil Term AMENDED COMPLAINT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Patrick Thomas Woodman., Esquire PA I.D.#34507 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#5928756 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. SUSAN STOCK Defendant Civil Action No v~ ^ `"~ QdS ~v+~ ~QrWt, 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 AMENDED COMPLAINT Plaintiff CAPITAL ONE BANK is a corporation with offices at 140EAST SHORE DRIVE, GLEN ALLEN, VA 23059. 2. Defendant is an adult individual with alast-known address at 20 ORCHARD, CARLISLE, PA 17013. 3. ,Defendant applied for and received a credit card account issued by Plaintiff bearing account number 5178052315705109. 4. Defendant was provided with a "Customer Agreement" that contained terms and provisions applicable to Defendant's credit card account. A copy of the Customer Agreement is attached hereto marked as Exhibit "A" and made a part hereof. 5. Defendant made use of said credit card and such use indicates acceptance of the terms and provisions of said Agreement and said account has a balance thereon due and owing to Plaintiff as of July 19, 2007 in the amount of $4376.86. 6. The attached "Customer Agreement" is the agreement that applies to Defendant's account and is one of the writings on which this action is based.. 7. The attached "Customer Agreement" states that the customer agrees to its terms by and through the use of the credit card. The attached "Customer Agreement" states that the interest rate to be applied to the account was disclosed when the account holder applied for the credit card account. 9. Plaintiff states that it disclosed the appropriate interest rates to the Defendant when Defendant applied for the credit card account. 10. The attached `Customer Agreement" states that the interest rate to be applied to the account will also be disclosed on the monthly statements to be provided to Defendant. 11. Plaintiff provided monthly statements to Defendant from the time the credit card account was opened until the time the account was closed because of the failure of Defendant to make required payments. See: Exhibit "B" attached hereto and incorporated by reference herein. 12. The balance on the account at the time of the last statement forwarded to Defendant was $2937.65. 13. The annual interest rate at that time was 27.740%. 14. Defendant defaulted under the terms and provisions of the account agreement by failing to make payments when due and owing. The entire balance of the account is due and owing upon default per the terms and provisions of the account agreement. 15. Since the date of the last account statement, interest has continued to accrue at the annual Rate as stated herein at Paragraph Thirteen (13). 16. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant Susan Stock, in the amount of $4376.86.with interest at the legal rate of 27.740% per annum from July 19, 2007, plus costs. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. WELTMAN, WEINBERG & REIS, CO., L.P.A. ~~ ~~`-- Patrick Thomas Woodman, Esquire PA I.D.#34507 Weltrnan, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 1 X219 (412) 434-7955 WWR#5928756 CUSTOMER AGREEMENT :ia?me b Capital One.® We are pieased to open you ~ card aaxorurt. r~„merrt gains information about yaxr axourrt Please read a and keep d for girds. b ihs Agreement the words you,' yoarf and gars' refs b each person ned die appfiication and b an}rone else who uses the aa:owrt n awry way: Eadt d ~dividuady and janUy obligated under itus AgreenerR. The words Ire."us' acrd 'o an Capital One 8ardr and ~ suaxessors or assigns. We can delay ~9 oar tights ;~ doss Agteetrertt weho+ul bsbg erern. ing Your Atxaw>t. You ran snake pumtrases and obtain sasfi advances (~ we have i you ttrat cash advances are an opSon for gar axor»~ by using your card. account rrb~1, and arty account atxess ded3 (urdudtng Pruchase fps, °d's. Sperxal Taarrsier Cteda and other srirrdar ded6j eras we may send b You. era we provide you cases aaarurrt atxess dam, we wl~ !e! gar arlreLter they wL be sled as purchases, cash advances. a specs) tratrsiers. UralE'SS we ieL you o~aaiase, m~etirE~ce l:heda wi ahhvaYs be trued as cash advances. ~r card or aavurd tarrrrR be seed ah rvau>ecbon with any hrferrhet a iiec~t gaming ~adrons You card and savant may only be usmi br void and Iaarrfirl P N use. u avow son>eone else b use, die card or atxoraht for arty a pose, you tuff be resprxasble for such use and may be tequtred b rea:abrrse rs and sbrCard trrfematiorha! lrrcaporafert or Yhsa USA, Inc.. as appicat>>e, for of arrmaurts w reuses we a they pay as 9 yeses d such Qrrperirisstble rsse. ~ agree dial we are not rzsportsmb a arryone refuses b l~raor yore atxotrd. tr you do use your savant Y~ ~Y can~- a ~' ca>~ oar Crniomrer RelaSors depatfimerat i destroying your aard(sj and account axes sheds wtdin 3o days atbr you receive m >h Equivaltaat Transactions. ff cash advances are an op5ora for your aazorurt, you use your arzohar! b purdhase deirhs that are da~fiY converibfe b cash. These cash rivalent bansacfiorhs will be ireatt~ as cash advances and wa be biLed b the cash once segment of you accent Cash egtrivatent bansatdiors kadide the prrchase of transfer money orders. bets. btltay tickets, casirm ganwhg ctiQs, and order sirr>ear duds ar services. ur Cred'd i~mit You were told you aedd GrnrT where you opened yore axaad. You ~ may have d>ifererrt axedR (units that apply b dderent segments d you account ctr as purcaases, cash advances, and speraai transfersj. These aedL Imes wr7 be nbSed on your periodic statemnt You agree b make paillasse a obtaar cash antes only ~ b the relevant a~edr7 fart We may 't»se w decease your aedd is at any time, may Emit die amourk that s ava3abte for casfi adararrces, a mar fade cash advar~ entirely from you account We may faor+w hansac6or,s in excess your cxe~d'f 6rrr~, even if ffrose irarhsadioas result at an ova~rri ~ aril ewes isacFions and fees wiz be wvered by tlTa Agreemer>f. ring Payments. You prom>ae to pay hs ae aarioanrs due resulfng tram fie tree d you ount ardudng any finarxx charges and other charges due carder Ere tears d this eemeriL Paynerifs must be made in U.S. rfoltats. Payments made by a rregotiab~ rumen{ such as a dretk rx a money order must be as a form acceptable b offs and be nm on a U.S. financial instihrliort We may alfr~ca~ payments among fhe various meets d gar aocoura kr anyway we deLmione. must pay of feast the mnmwn amount titre by the dab reghresbd ore genre slatemerd vod a fate payment fee. However, you may )ray mae erarr the trmrrrrrm payment w the hafarrce in fir) In arty case, finance cfiatyes cast carrfnrre b >>e assessed during rg perioels )that You carry a balance regardless d wheeer a Trot goer stafemerrt ors a rraaiharaum payment dire. can aaapt late payments a partial payments w sheds aril money orders rrtartced Trhent in fee' w Deese sander language wiemul krsirrg arty d ou rigt~ under Eris >~net>t, archxfrag our rfgM b receive payment b itrQ iodic Sfatemerrt Fads rrhoraffi you have a bafatue in yore aavamt ere wi send ytw atement sbwirg ae trar>satdions tilled b your axoimt durbxl dye tir3rrg period. fie ig period is the fame horn one statement dosing date ihrorrgh and inrdtrdtrg the tread sment doscrg date. The stabnaent dosing date detemines the morrah d a spera'fiC ag period. For example, Your January bdfarg period is See bring period Wier the :rnenf doaaag dab b January. once Charge information. ~rar~ Period You cad faave a mrirrnun grace period d 25 days w~hort finance ge on new pandhases, rear balance transfers. new sper3al purdrases and nave odrer pee ~ you pay Your Uotal New Ba-ance as strown axh yore periods s io fuf in 5rre for it b be axecirted try your next statement dosing dafe_ Tf>em is rro grace >d on cash advances and spedal transfers. In addiSar, a gar dd red pay ffie tits) BatancE from See prevhoars bilfa~g statement in tub and ih Sme for e b be aedAed by next statement dosing date, eases is no grace period on arty irarhsac5orr. caning Farance George. Transadwns which are not sutrjecf b a gear.,? period are :sled finance charge as folbavs: nsacfioahs made during the cement billing period: from the transacSar dam sated transadons and trarhsacfmras made wide account access cfied~ fivm the date ransac5ora is processed b your account nsac4ons made prior to ere wrterhf biAing period: from doe first caletrdar day of the :nt belying period. 6oraaey, a you dad not pay the New Bafan~ fhorra the prevfotis ~r9 period b fuA, ice charges caratimie fA accrue to your unpaid balance hm~ the ~ 1>alante g Ths To geE ire da7y Z br each segment d you axwrrt, we take the 1~ begiaoiog 6atarrce for each segment and add arty new transacfnrs and arty who periods t'iaarrce clraage ralradated ~ e,e prevbas day's stance for that you segseat, itli'e area sttl any payrrenis or ~ posted as d that day that ~ are abrated b that segrried. This gives us the ~ffi da3y batan~ for Bch segrir~i dynur accour>t ~Fbwever, d you paid the New Bafarr~ shown on you prerriors ~d it fd (or d yaar New Batarrcg was zero ax a feeds amount), roes ~s ^rlridr pdst b your parrdrase err specs) pura~se segments are troladded byre daffy bafarrrxs. To raicofaie gorse toms frrarace charge, rrrutGply yaxr average daDY batarace by the daTjpenodic rye and tiY ere number d days in doe ~ period. Due b rourdag an a daffy )aria, sere may be a slight vatatroe bebrreerr ttis cafadaioo sad Le anrornt d fararrce charge ard?a!y assessed F. CadrAdmrrae Fee. iF a cash advarue fee appit's b your account you were bid tie see strew poa opened yore accourd. The ~ si be d>arged each fine you ofr'rao a rah ahittarrce and wr7 be added b the cash advance segmrerd d y~ aa~arrd and A rer3uce You available credd. The amount d she cash advahhce see than be added b other finance charges on yhxr periodic statement for the purpose d calwlafing the annual percer>>age rate dhsdosed there. This rrsy ramse fie arrival pre role dhsdosed ort your statement b be grradu iirao Lie arrrsal perr.eratage rate that was dasdosed b you when you arperedporua~sorrrt ~ Terr~aary Redfudron iffy Fprarrce Cfrarge. We reserve sae right b rail assess anyoraLiirrarrce drsges for any 9~ ~9 t~- ONrer Fees acrd Cfrarges. The foporvithg fees may be billed to the purchase segued d gar atz:orxd, rmless otherwise spea'fied, in every bif6r~ period b wir'th Leyapply: tale payment fee it we do not retaive yoar payment in lane for it b be f~ by Lee folowarg statement dosirg date; arverfinrtit fee ~ yrwr aaxarhtl [or arty segmerhR d your arxrounQ goes ar stays above airy terrhporarilY a paueoenLy assigrhed orerII ~ even i we approved the over6mit amnrmt at ary Time du'trg the bi'iag cyde (regardless d whe8ier yar went overtimd as a result d a lrarsac6orr, flnarrce drarge, or arty other fee x airargej; retarmred cosily few iirrposed every lime a adred: is returned b rrs for any reason, a if we carrroUrnnor yore acmuht access daeda (warty reason; and arpyahg charges for dupiidle tvp6es d traursacSons w stafemerrfs unless requued for trilling dhspr~ aesoi>6on These t~s and charges wr7 cal be assessed d your bieirhg address sae in t'rerlo Rico whsle you aaxxaud was opened. The fee and drarge amours sere dsrJosed b You when you opened Your axamt B any of these lees a are dtianged subsequent b yotr axount openaag, You rir7 Ile adr~ri d the crew arroiuat We reserve L-e right b waive sees fees hhrieradpriorr~CaLon to yrxt iYleuhlr~ng Fee. L your atxxrirnt has a manherstup fee, a was disclosed to yoar ardren you opared yvu account The fee cal be billed fo die purchase segment d goer accormt Craaiit Barrearr Information. You agree drat we may obtain Your credd infmretio4 5om rxede repordrrg agendes at anY fame far the purposes of rriariiowrg yotr aedi perfornraracx, marragig your account and consdering you tar few offers and programs. Future pHas. The fears d arty future offer wiN be drsdosed b you at the firne dye o>$eis made: U You accept an offer Lie teens cast become etfecSve inrredeft:ly arses ofrerwse speaf' red it d-e otfier. DetanisL)Ala map rvrrsider You b be in detauk under ba Agreement S: (aj You tai b pay Lee aitr6rrm paymenf on Sure. {b) rtnr ezrxed your rxedQ turrit, or (c) you pay as wr'Lr fiords Lrat are rrhrmed for arty reason. 7o the extent pemr'tted by law, you may also lie n defiauf under ih's Agreement ~ (1 j you violate any d sae Direr ferns d 1ha Agrhss~rrent or any d the Perms d anY other agreement wiSr rs or any d otr afRetes, or (~ You made any false w misleadng stater»erhis m yore appLca6on, w {3) banfwphy w Deese iisoNenry proceedngs me irasLtirled ti9 you or against you. After gar are b defauR {o~. afferhre gthre yore arty rroice d w right b cure the deFaua d required by fawj, wh;^'~^ may rested gar aavrmt fuzee new trarasac6oths, w dose your account arraij~ derrprrd i payrrrerd d tlhe entire oufsfarxfng 6aiarrce. in adddorh, as resrre d fire de>arrll, gar rrrararxrrn paymarat maY inaP.ase wieaouf advance notice. To the eaderrt pfd fry .you agree b paY ae couA costs and cofr expetrses irarred 1>Jr cs in coeer#iori of arty annhxmt yore owe us under 1hi~„V Agreer»aht. llyar ddadf we refer gar accamt for ivifecfion to an attorney vvlro a nil rnr salaried , b the extent pemrr't~d by taw, you agree to Pay reaso~6fe alforrreys' You also free b pay any costs we maY incur in nsirer"rrg yore cards, irrdlrrdrg any costs we may incur by having your accorrrt placed on a restricfe$ fist. ff You Cbse Mors Accotm[~ You can request to dose your aocotmt by calfng ore (aaioroer fiebtiors dep~rbnent You must destroy of cards and account aaxss dresEs„ caress) at praeauthorized biTrig anrangemenfs, and cease trsarg youarzvurt >rYou rb red ranret preatreaorized t>a6rag arrangements. we u~ tvnsider ~ d a draryfe your author¢atiah b reopen your axourrf. AddSorrafj, Tar aaxorrhf wr7 tart be dosed urrtit you pay of amohmts you owe ix iida~n- err was you have atrthorized_ finance rhamPS late Tvrn ,.cnt o,n uric,,, uusr,y ucu, u,c,v u ..,. y. u..c F'c'""' ,.., ,...J .. rw.w......... 3. Accruing Ffrance Charge. Trarssacfions which are not subp..cf to a grace period are esses~ea fora charge as follows .Transactions made during the current brlGng perrod: from the trarr~ction date. .Undated transactions and transactions made wiBn account access d>~s: from the date the bansacfron is~rotessed to your account_ _- _ _ •Transactiarts made prior to the current bdGng pt=rind: from ffie first calendar day of the current bi6mg period. Additionally, d you drd not pay the New Balance from hie prevous bolting-period er fuG, finance charges continue to aarue fo your unpaid balance un~ the urrpaii balance is paid in iu4. This means that you may sfi6 owe finance charges, even ~ you pay tfne solos ldew t3aYance indicated on the front of your statement by the nail stat~rd dosing date, but dd not do so fw the previous monde. Unpaid finance charges are added to the applicable segment d your account C. tJfinirrnun Finance Charge. For each bi6mg period that your acxroamt is subject b a finance dnarge, a minimum total funatnce dnarge of 3D.SD w~ be ireposed IF the total financa charge resu~ng from the appfr~tion of your petiod~ rate(s) is less than SD.SD, we wig subtrad that amount From the SDSO miirnurrn and die ddference wip be bled to the purdnase segment of your accarnL D. Perfod+o Rates. We detemnire the daily periodic rate by dnndarg the arnnual percentage rate by 3fi5 and rounding it to the nearest il10D,ODOdn of 1%. The rate may be ddfererrt Fw each segment d your account (e.g., cash advance, purchase, special punirase, and speriat transfer d appficab~ far your account). You were tdd 5re daily perrodic rate(s) when you oper>ed your account and it appears on your statement E. Catcufafmg Finance Charge. Finance charge is calar~ted by multiplying the daily balance of each segment of your accarnt {e.g., cash advance, purdrase, speaal transfer, and special purchase) by the corraspondmg daAy periodic rate(s) that has been previously disdosed to you. At the end of eacfi day during the talfo>y period, we apply the dad periodic rate for each segment of your account to the daffy balance of each segment Then at the end of the bfiing period, we add up the results of these da0y caieuta5orns fo arrive at your periodic finance charge For each segment We add up the results from each segment to arrive at the total periodic funance charge for your accotmt 7reemenf and/or temporarr7y or permanently suspend your uedR prhrleges. This dudes, but is not Gmited to, sihrafions where you have violated this Agrsemerrt orwhere have reason to doubt your credrlworttniness. Your obGgafions under ffris Agreement ~nfinue after your rights to obtain credit have been terminated or suspended. We may ,~y in enfon~g our rights underthis - who is rot on salari°d employee. to the Ord permitted bl` ~. ;'~ agr>:e >o pay reasonable aftaneYs' fees. You also agree ffl pay arty r~sfs we may u~arr ~ ~n~9 l~ ~~s. irrdudng any casts we maysrcur by t>avprg Your accordd placed oar a n>strided list. g Yaw Close Your Account You can request to Bose your acn~u-rt try eating ~4tC RetaSors~epadment You must dastroy aS cards and arxount access dredrs, canr~J pll preautt>orQ~ ~ arraru~erner>}s, a'~rd raase using Your accoarL 6 you du not cancel preaulhor¢ed briag arrargerr~rnts, we wry mr>sider ret~grt of a drarge yotr auAnor'¢a5on io reopen yoga aororrni Addr~aralhr, yore atxourrt tivi not ~ dosed urnta you pay al amass you owe ~ ~~ ~Y ~~ Y~ hanre . finance drarges, late paynrerf ier~s, oa~fur>? fees, returned d>edc fees, cash advance fees and any other fees io your accourrt. You are respornsble for fl>ese amounts whether ~ appear art your acxourat at the tonne you request io dose the arsou# nx they are iauaared subsequent to yorr request to dose dre account Ttis mey r~dl or drarga's appr~ on your aaxiarnt after you have realuested the accord to be dosed or the reopening of yar accaurnt d fl has alr~dy been dosed For errnrrpie, 7 you aud-aiz~ a puniiase from a n>erdnard and we reterire $re ~dror- Iran il>e rrrerdnard otter yar accaurd has been dosed, your accoud nerli be reroperned, the amount of the dirge unit be added io your accordd, and yorr wr7 be resporns~le for paynrenL B 5iere ~ a rrrerr>bership fee for your a~as~ doe fee wi71 coanfinue fo be rinaryEd, to the e>dent pemiitfed by toner, urn9 Cre accormt balance has been paid in fu6 as defined above. tF you want in stop an audgtized users at~ess b your accarrrL you must ceA ors Customer Re[aliwrs deparbnent and destroy the user's card (a arty) and any accoui an~ess dnedes he or she rr~y have. d you are iuiable to desboy that person's card and accorx-t access dnecFs, and you cal our C¢sbmer Rehfions deparhnerd fo dose your accrotsrf, your arxoarr! w~ be closed and bDfh you and the joint cardholder, fi any. may apply for a new arxormt If we dose the accordd, you and Ole joint cardfwlde[, d any, w~ sli be fiabie, indrvuluatiy and togeBrer, for at! amounts cFnarged to your accour>f. Jf We Cancel Your Ar:count or Suspend Credo Privr7egrs. We may at any Time, win or wdhart cause and with or wibrout advarnx »ofice, terrniiate this ~~ ~ ~ peoplepcr~ online u Abetter way to Internet. ~ Surf uP fo , ,. 5x fastertl~l d FREE Acce%rator forelte rrs[ Iztrsonnrs*-a Seo okra! 1-888-587-9669 i .~ ~ Mention Offer Code• DOLLAR _ _~ Visit www.peoplepc.ctxn/go/dollar UNLIMITED INTERNET ACCESS PeoplePC Online offers iris features you would expect from higher-priced Internet Service Providers. indud'mg: ® Vrus Protection pored by symantee^' {~j Pop-Up Block~TM' °~ Spam Controls ® 4? Smarter Smart Dialer Technology ®~ More Email Addresses ~ ~ Internet Call Waiting Capita/Qy~• PLATINUM MASTERCARD ACCOUNT svs-osas-ls7o-slog NOV ] 1 -DEC 10, 200s Page 1 of 1 Amoturt Stutrmary Paymnrts, Credtrs and Adjustments Prevraus BaLmrn 12,837.24 Papmems, Credits and Adjustments 1.00 Tntrsactions Tnnartions 13s.00 Finance Charges !65.41 1 1o DEC PAST DUE FEE 135.DD New Balance f2,937.65 As a valued Capital Oa ostoma, you are digible to receive a free Yea-E~ Summary for this Minimum Amount Due f2,937.6s ~ ateaaat iha ret>ps yota 2005 rbarget, provided yw>r arrntnt is in good standing and Payment Due Dau January 10. 2006 1'ou have made transac6ona during the ealendar year. Please aaIl 1-877-791-4457 before Jwuary 31, 20D6, to save yom copy far this armour Orders wBl be mailed art byih end of February 2006. Tote] Credit Line ~~ ToW Avu7ahle Credit 5.00 We boo~and deacve benefiu. Wed h'ke mkmwtbat ur aPPreOa~ 3'Om 3'O° B~ 9O° Yo Credit Line for Cash (1,000 Piatimtm tad bends have been updated. Far detarlc, visit www.c~Ralmtemmhaedi[tads and Available Credit for Cash E.00 dick oa the Guide to Beadrts link Thanks far cbooaug Capital Om You vvae aaeaed a pat due fee of 135.00 on 12110/20D5 berms yam mro~ payment wa not At your settnce received by the due date of 11l10/20D5. To avoid this fee in the fimaq vve rtmmmend that yan To sell Cwtaoa Rdationr or to report a lost ~ stolen urd: allow at last 7 busiaes days for yaa payment m reach Capital Ooa 1-800-903-3637 s~aP4~ta: smd;n~w Attm Remiwnac Promang Gaiter! One Bank Gpid One P.O. Box 60074 P.O. Box 30285 City Indurt CA 91716-0ON SLC, UT a41i0-0285 1mDOitaAl Amolmt IIIfOrmatlOII 1['s Capital One Bowl week time again! Tune into ESPN and ESPN2 starting on Deoemba 20 far the best in post-season college football action to see yota fawrite tams fight for bow] championships. And on January 2 at 1 pm (ET), be sun to tone into ABC to watch the Capital Oa Bowl live from Orhutdq Floridan FinaIIx Chuges PYmsesxreacrx~idcfvr=rrnfmtaN~iaNJoAnN~CioEa m ~m ~'~ Am CHARGE m PURCHASES 52,565.73 .07600%P 71.74% 565.41 a CASH 5.00 _07600%P 2774% S.OD ANNUAL PERCENTAGE RATE applied this period 27.i4% • PLEASE RETURN PORTION BELOW WITH PAYMENT ~J7/i1a~~g~ OOOOODD 0 5178D52315705109 10 2937650075002937652 New Balance 12.937.65 Minimum Amount Due f2,937.6s Payment Due Date Jamury 10, 2006 Total endosed 1 Ammunt Number. 5178-OS23-IS70-5109 P&mr prnrr,nailerd aiesr aaYw e-~,.re~r, x~:.~gsa.~.. amt ~.E. s~ Apa e Gr sr.e 237 Home Phone Alurnae Phone #9034515610965343# MAIL ]D NOMB£R Capital One Bartle ~ SUSAN STOCR t ' P.O. Box 60024 ~r~n~~~nnn~~~~nr~ ~ 1217 SWAN DR ~ ~ ~~~- City Indust CA 91716-OD24 m ~ PATTERSON CA 953'63-8733 ~~r~nur~~~u~~u r~~r~~u~~ur~~uar~r~t~n~n~t~t~u~riu~~ ° a~ Plsare writs yarc auwmt number on yore a5ark w marry ordn madepayabJe to (~dnll One Bank arvd nail in the ensbrrd °~ie r Xl~ W peoplepcTM online u Abetter way to Internet. UNLIMITED INTERNET ACCESS . 1-888-587-9669 ... Mention Offer Code: DOLLAR Vsit alww.peoplepc.corn/go/dollar p'ecWepC s stfdy rspdrable for tltc tfim, stile not afl5med weh Capital Orte Capid Oro tfaestra prmide, enddse d plarltl!!, 8/d 6 b alb rfltll, erly pmdct IX 9tYY1Ce ldrprn trine. atY tndemml¢ nrmlrmlred hmen aR 9dah' wwled by Ure respaditf erlpy. 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Noflae Mart Basrrie drat 4lwaaforr. Wham you Wovide • dlert as wNrrsi you aldrdee w dear to ' fewadm Eros ywr Black m wlab a ar-tins daClrallC *IId trarals deal ymr 6arlk aecorar a iD prxsr me NYtttats s a dlaclt ttatuNart. Wllsn rve Itr btfonsarirn fiOm you dtxk m Mb all ehClydiC fund traslsr, lwtm may be wlMawn from year balk aCearaa K war of the s•r day ere raeaiw! you Illlafldal iludnldora raedtR yaw drek bad[ irorri &WNO RKilfTS SUMMARY On Ceae Of Erroll or uR.lws Ahsw Yea Ban N you think yaw bal 's vvsp, a N yw rred mac infonludon to s tsrrseiw or hm, vwim m w m s spatna abet r aom r paw-a n the arkss for otGuris tthown m rite fss d tNS nssrra. We mtrrt near itsn you ro Mtae fts (i0 days arts rte earn You the firs bi m Mlipr fie eta or proMam trppemed Yau ran W ou Cwtoaur Relatiots rlnaber, btn doing w win nor M'smarRrv~j ~nrw~r~ assue~nnrhs, the dobr amore d the alrRactad error, • doerpwn d iM error srd s rttplarlafm. 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Horrsver, N ya pad the New Balartx ^rwn on yar pRMws swansa kl iN la ii your new Whnee vas zem a • oedt amouw), rrtnr turoaedar wNdl Pwt m you pudwe a rrPadd e m aver ~y 6a~ uM ad~ p,eaa ewe bslarcr topaner srd 6videtp tlu sun by rte raarrber of tlu mys In the Gntn[ big CTeia. To calcdate your toW firlanoe durpe, mJriplyy you avsaps dilly 6dwloe by dR daay padodc rare aril by the raawbar d mys ti rile ltl5ry period. Out to matdnp arl a flatly Iris, UrsR may De Npla wamrrce bawran mh ulalwon rail the amaan d firlarlce du aausNy aasesaad 6. Ii the Code Z a N apps an nu tree d lltis ertnemed next to 'BWnea ReR Aadied To.' is multbly the Irrportst Nettie: Paymrrs you mN m w vrm d eradtad m you acatrv es of the bttdrusc thy ate receive i4 provided 111 yts asrd the button portion d iNS wtanRR aro your tlRCk Paymrans recdrad DUrs wan~~Wls IlocsfSOtl a n a~ atMr Y rte heed ~dr9R mY we~iwive tram Wekos mya kam1V lhtoudl SatudeY~erJUdrlp hdimYs Pleer m not lee naplts, type rsw arc. wharf prepslrp yaw paymam. wnwl you send w e dtapkls), yaw arAOfse w to scab a sutilR derna:c narofer debh from you bwt accoux to the amolax or tlR drek iN. wrliiedal appar m N Backe Rawv.d cuing »R bite ayde ewr N ,wr ly .ansa.a elr. n wR ol.rm goaeas n,e trs,der, yw ,wtalxe w to mob a drarge agairm Y^u Wrlk aedlre .drp 1M dacl4 a pepsr drh or Drier kern. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, he is an attorney for the Plaintiff herein; makes this Verification based upon the facts as supplied to him by the Plaintiff and/or its agents and because the Plaintiff is outside the jurisdiction of the court and the Plaintiff's Verification cannot be obtained within the time allowed for filing of this Amended Complaint, and that the facts set forth in the foregoing Amended Complaint are true and correct to the best of his knowledge, information and belief. L~ncrmnc>~ ~a~"'~"~ Patrick Thomas Woodman, Esquire PA I.D.#34507 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#5928756 CERTIFICATE OF SERVICE A true and correct copy of Plaintiff s Amended Complaint has been served by U.S. Mail, on the ~~ day of OC'~~ , 200 upon the following: SUSAN STOCK 20 Orchard Carlisle, PA 17013 ~-} ~ ~ 0 ~ ~~ " ' ^ ' (" ' Z Y' ~,~ t . ~ ~. -'t , ~' w e ~ .~ • IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA. CIVIL DIVISION CAPI'T'AL ONE BANK Plaintiff vs. SUSAN STOCK Defendant No. 07-4905-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#5928756 Judgment Amount $ 4935.70 THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. r .. ~ ~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. SUSAN STOCK Defendant TO THE PROTHONOTARY: Civil Action No. 07-4905-C1:VIL TERM PRAECIPE FOR DEFAULT JUDGMENT Kindly enter Judgment against the Defendant, SUSAN STOCK above named, in the default of an Answer, in the amount of $4935.70 computed as follows: Amount claimed in Complaint $4376.86 Interest from July 19, 2007 to January 3, 2008 at the legal. interest rate of 27.74% per annum $558.84 TOTAL $4935.70 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. By: !r/ WILLIAM T. MOLC AN, ESQUIRE PA LD.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#5928756 Plaintiff s address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7`h Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendant is: 20 ORCHARD, CARLISLE PA l 70l 3 ., r IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff SUSAN STOCK Defendant(s) IMPORTANT NOTICE TO: SUSAN STOCK 20 ORCHARD CARLISLE,PA 17013 Date of Notice : ~ 2" 3 ~" Q~ WWR#: 05928756 Case # ~- ~"1~~~ ~t?1( ~~~~ 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. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 BY : ~iu.ct~.....- ~~C/~-~.a~ U[ ~f9f`Z'7(v'1/1.0~- PATRICK THOMAS WOODMAN PA I.D. #34507 WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 KOPPERS BLDG, 436 7TH AVE. PITTSBURGH, PA 15219 .~ • IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Case no: 07-4905-CIVIL TERM Plaintiff vs. SUSAN STOCK Defendant 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, SUSAN STOCK 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, SUSAN STOCK is not in the military service. Further Aff ant sayeth naught. AF ANT /~} SWORI~,~~ND SUBSCRIBED in my presence this (v ~y of COMMONWEALTH OF PENNSYLVANIA NOTAI~' PUBL~~ " Notarial Seal Wendy L. Gault, Notary Public City Of Pittsburgh, Allegheny County My Commission Expires .duly 15, 2010 Member, Pennsylvania Assucislion of Nazaries 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. ~e~uest for Military Status Department of Defense Manpower Data Center Military Status Report Pursuant to the Servicemembers Civil Relief Act Page 1 of 2 JAN-03-2008 05:48:27 ~ Last Name First/Middle Begin Date Active Duty Status Service/Agency STOCK SUSAN 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/pis/PC09SLDR.htm1 WARNING: This certificate was provided based on a name and Social Security number (SSN) provided https://www.dmdc.osd.millscra/owa/scra.prc_Select 1/3/2008 bequest 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: GPOMNIYIUX https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 1 /3/2008 (~ .~. ~ T _. r. jy iL~MML ~ ~ ~ ~ .-,~ t ~,.~ '.~.7 /~/~ ~ . --• W (- ~ 'T 17~V 9^,~ 0 v - ~ :~ . v ~ ... }~~,I .. j .~i ~ y. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff SUSAN STOCK vs. Civil Action No. 07-4905-CIVIL TERM Defendant NOTICE OF JUDGMENT OR ORDER TO: ( )Plaintiff (xx) Defendant ( )Garnishee You are hereby notified that the following Order or Jud ment was entered against you on (xx) Assumpsit Judgment in the amount of $4935.70 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: PRO. ONOTAR EPUTY) SUSAN STOCK 20 ORCHARD CARLISLE PA ] 7013 Plaintiff s address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7~' Avenue, Pittsburgh, PA 15219 1-888-434-0085 r ~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA, CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, v. SUSAN STOCK, Defendant. No. 07-4905 CIVIL TERM CERTIFICATE OF SERVICE FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Patrick Thomas Woodman PA I.D. #34507 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 5928756 <.. CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of Amended Complaint was served on the following on this October day of 9th , 2007, by first class, U.S. Mail, postage pre-paid: Susan Stock 20 Orchard Carlisle Pa 17013 Patrick Thomas Woodman PA I.D. #34507 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR No. 5928756 -z~- t~` C7J t..w~:' 1? ~~ ` ~ .t" =~~ ~.7 -<...: `,.' t_ i °~ ~ ce 7 ~~-+ ~ --C ...J