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HomeMy WebLinkAbout07-5047Our File No.: 98941 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esq. Attorney I.D.#38423 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215)634-8920 Attorneys for Plaintiff HICA EDUCATION LOAN CORPORATION (HICA ELC) c/o Apothaker & Associates, P.C. 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 Plaintiff, vs. JOY A GUZIEC 840 ANTHONY DRIVE MECHANICSBURG, PA 17050-2203 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: G~7- ~o y~ ~~ ~- l ~~~~. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action with twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case my 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 ONE. 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. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral and Information Service 800-990-9108 AVISO Le han demandado a usted en la come. Si usted quiere defenderse do estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dial de plazo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o con un abogado v entregar a la come en forma escrita sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la come tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la come puede decidir a favor del edemandante y requiere que usted compla con todas las provisioner de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes pare usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral and Information Service 800-990-9108 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esq. Attorney I.D.#38423 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorneys for Plaintiff RICA EDUCATION LOAN CORPORATION (RICA ELC) c/o Apothaker & Associates, P.C. 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 Plaintiff, vs. JOY A GUZIEC 840 ANTHONY DRIVE MECHANICSBURG, PA 17050-2203 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.. v 7 ' S~~ u 7 CIVIL ACTION COMPLAINT FIRST COUNT 1. Plaintiff, HICA Education Loan Corporation ("HICA ELC") is a corporation duly organized under and existing under Federal law with its principal office located in Sioux Falls, South Dakota, c/o Apothaker & Associates, P.C., 2417 Welsh Road, Suite 21 #520, Philadelphia, PA 19114. 2. Defendant is JOY A GUZIEC, an adult individual residing at 840 Anthony Drive, Mechanicsburg, PA 17050. 3. Defendant executed five (5) Promissory Notes ("Notes") pursuant to which Plaintiff advanced certain sums to Defendant, under the US Department of Health and Human Services, Health Education Assistance Loan Program. 4. That Defendant executed notes as listed below: Principal Amount I~g Note# 1 $4,500.00 December 17,1984 Note#2 $15,000.00 July 20, 1985 1Vare # 3 $5,000.00 September 17,1994 Note # 4 $17,230.00 July 9,1986 Nooe# 5 $15,000.00 May 9,1987 Copies of the Notes are attached hereto and incorporated herein by reference as Exhibit "A". 5. As set forth in the Affidavit of Robin Johns, Defendant defaulted in repayment of said notes and there remains due HICA ELC the sum of $91,586.73 and $4,081.09 interest accrued through C-ctober 2, 2006 with interest accrued f rom that date at an annual percentage rate which is equal to a variable rate all as per said PromissoryNotes. This Affidavit is Attached hereto as Exhibit "B". 6. Interest accrues from the date the loan is disbursed until the loan is paid in full. Unpaid accrued interest may be capitalized based on the Promissory Note. In all cases, the borrower is afforded the opportunity to make interest only payments to avoid the capitalization of interest. 7. The Notes provide that upon default Defendant agrees to payHICA ELC's reasonable attorneys fees thereon. 8. The amount due HICA ELC is not subject to further setoff or credit. 9. The following is an itemization of the amounts due and owing on each specific Note, as of July 26, 2007: Unpaid Principal Unpaid Interest Attorney Fees Balance Due Note 1 $ 1,846.44 $ 7,930.21 $ 3,253.76 $ 13,030.41 Note 2 6,922.19 22,708.63 9,857.96 39,488.78 Note 3 1,997.66 8,247.33 3,409.46 13,654.45 Note 4 3,425.41 25,541.37 9,646.24 38,613.02 Note 5 8,113.56 13.193.33 7,025.13 28.332.02 TOTAL $22,305.26 $77,620.87 $33,192.55 $133,118.68 12. The defendant has failed to make timely payments and there is still due on said accounts the sum of $133,118.68, of which no part has been paid, although repeated demands for same have been made and as often refused. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendants for the sum of $133,118.68 plus costs. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm E in Debt Collection BY: David J. Apothaker Dated: July 26, 2007 Our File No.: 98941 VERIFYCAI`ION David J. Anothaker, Esa. hereby states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint aze true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein aze made subject to the penalties of 18 Pa.C.S.A. 4904 relating to unsworn falsification to authorities. Davi J. Apothaker Attorney for Plaintiff DATE: July 26, 2007 t r HICA EDUCATION LOAt~T COI2PQRATI©N ) By and Through it's Agent } 5ALLIE MAE, INC. Plaintiff, ) vs. } KSY A QUZIfC SSN: 022-5&259{3 Defcnclaet~ ) A~II~AY1T S"t`ATE t)F INDIANA. } ss. COUNTY OF HfAMIl.TOI~i } before me, the t~igtied authority, "personally appeared Robin Tohtas, who, being by n~c, duly sworn, deposes as follows; 1. hIy name is 'Robin johns, atad 1 ataa an ear~ploye~ and aga~t fctr Sallie mac, ..Inc.. ("5i1~'i"), a belaware carp~atiam and_ the loan servicing.. agent of HICA Eduction Loan Coaporataicm, a:Sc~ath,Dakota corporative: I am Qf sound mind, capable of making dais Affidavit, and p«sontally acqua~ted with the facts herein. stated: ~, Plaintiff, MICA Educat~iott Lean ~arporation ("I~iI~A EZ.C"} is a ca~pc~ati+tra ~y organi~d umler and existing under Federal law with its principal: oflficx located in 3ocut Falls, South Daltota. ~. V in this action is proper in Coutaty, Pemnrylvanie, and 'this Court lass bah pcsonal atui subp math yurisdiction over this case. ~#. I am the custodian of tyre xr~ of 3I~+II. 5. `The Notes at~taehesl to HICA EI.C's Petition wire assigned to HICA ELC` fr~r valuable consideratic ~ t 6. Atta+cl~d hereto are tltic enact photocopies of the original Notes signed by l~~ and kept by me in the' m~ ~ of business, and it was the regular course business-of EMI for an entgloyee or representative of SIVIi with kn~owlcdge of the act, or event r'ded to mrdtC the recd or to transmit infort~tion Chef to be included in:aueh rexsard; at~- thc 1'ecQZ'd was tntade at Eu' near the time of the , M ~- '7. 'c'hat Defeatdant executed notes as listed below; ~€i Nate Note #3 Nc~e ~4 bites #5 1'filiCtpHl .. ~~~.~ 5,000.00 $S,000.OE1 $17.230.0(1 $15,000.00 C~30r 17,-1984: a~ly ~y 1985 Sennber i'7, 1994 July 9, 1986 May 9,1987 Copies of the i~Jote(s) are +~~ hetx~.o and i?ucarpord` herein by t~efe~nce as rExhibit ' "A"- "~". 8 L?+~ulant dcfaulud in repayment of .said notes and therre r+i~ due H1CA'~,.G t&e sung. of 591,586.73 $4,081.09 ~ttCr~t: a~cc~ue~ thrm€~gh Uc~tobe~r Z, 2006 with irrt from that date at an annual stage rate vu~tich is aqt to a variable rat+c ;all as p acid P~txtnry Nom. 9. Interest awes 'from life date the loan is disbursed. until the loan is paid in full.. Utd aeetd interest ~ be c~italia~l `based. t3t1 the Promissary Note. In aU cssrs, th+c 6~a~v+er is a~fordes the vpporWtuty to make intert~tt only p~ayatents to avoid the ctal~ation of interest. 1U. The Nis) provide that upon.. default giant agrees to pay HI~~ EIC's °t~eascule attorn+sy~'s fees thereona 11. 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Tln IrM « aws wn ana N aow~lr~f Kor4~i M tn~ uw Nr u..C tos.7Mrlwd tlr #NieN M1(~ Mr01ae-- M~Waave lea. ititµi naves ~ a wnoet `n w w +~e* w raia+* a ~. w.a, w lawaa rWSRO~WT+ne!MwrMa/v rV aQP n.r«M+~M wei.w. wrrw,amcw~nw or n~n4 MGnN.s~lMeilMa~+~nr~nasaM'~iaiOA~M Wi~M~' raers aar.^aearra+ w tart M aV n.w aaa a rw Ma+. f ~a fame M M.auOs h0at ta111aah Mlr a w~ awb M bane rr eW. wwilYMa e0ref~ ~M'rM. e.~ 4d ~.w, w.y.ONaa. awo.~a air t t wwwn apaaw, t1d ~rwavMa. a»a~. v~u+r+ weeMa. Mr MtA4. ier'awa ~MiwrM. •M Nnanat u! i/6K raana~ 3799 Ste~rt Ave. los Andes. 'CA 9!~l66 Fr f .,.,., uirerre , onrE eoeeuwer Oy >tr+>i.arre~ita rte >~tic`a } ~Mtl7rCi:illirWMMaliln#aMrWw.ere( iMNM'lrrMlaMA~.rOraftaea~6paa.ieMt•MOai+ens'~nanMrn~WS'IfeMr`wM.Miaair~YYCrM..M>•.arq'6nKa1 w r.~#ii sees ~.ew• ur~abnu ales w r.a tna ran. ih r4r aaai aaeov+.~r of tar ff W w «» Mesa+i Nle+rm+ ~-i l""! . ` owr w on.,ao.ir fiat um oer~rf~r~ orv ~ ~~„ aer uouMF ~ a!es ~KTM nL~Ot7 ~ s ~ NIEA4'TM ~DtlGATION IWNTAiiG~ (~R U.S.C.4 ~~.-r«~- w e~wrw *r w. AeNiUAt. Anrounl 7 ~ wot ~u.n.n,w«. «MM.r.7 aMM/M a~~ ~'1 pip izyraooea t„a..w.r~ ai+ ~ w >rM. r~aaNr~w~+ww. n~as var+'~u a eMTE -»,.a~..a..nc.~r , w.r .n,~ni aw Y +her~r trrroad+Ararl r..,...*~. rsrwhrr. ~b'"a~'~a" iJla flrnpK ba YNre.lmaY b~a+Mlped6oMMa /esNabdaeM t t 5 5 9r ~ 9 ) j s ~ = Ib -339. ${) PMRINAwu a t p~ alt aeay. f ,rw na Mra >a w4's ply- fi i paU w,,,. ~a. Mqy, i wa ra Osin~wd» a w~krie of PM of t-h Ikrwa c~wy~r• ~,. warty ~ Paoaeua~Y ~ aoaler~a aMfgeryl r~Araallon abort rroerpbnwk. a~ ~AePel~fentaGf.#ifuakrtMsal~dMndlAtiar+O- 11rAlMaMf. /l1rCEMT+~ tiATEa>b frrpaala draMgt~-~ ~~~~ e ¢ 'r,arvY dweMirdignFMlM+t u. ~ flllf..earer.e aarai04+ ~~~p p~ t'G PAY ~ _ ~ r...,r+:.>:.-+.-~E'-- y» panowr, gpMM b WA' W ~~ ~ ~ aJrr M.w:r. AM MInMi4. ar as wgirv~ t+eMtr d tills tioN, m~r'Ir'if~0iort slag ~ 17 , 23Q. QA~_ ~o rN it N~ a m~~. eo M~Iwr~t aA+M ~ranaaaNarAOalaia.MAroO~raullaAtadYMdw'Y~.~?«MSa~FerirroeMtinAitM~N~#p ~~~ NfO. aw nweeliiY ~ MM oaMgbfr of artya14fo0N1 h01 ptYd fiAa13 dIR Tda lelr0at ana 11ertAnr tinNfalrOt! and spfw i+rtep~sr t. MpMrMiY ~ qN 4r- are fvOn ar Milbvy+d .ad i+MYw >al»^ ttr e*q"""'~ -iYOd ao'-w""'°". aftraara nlrM anorw. Ihyment of INe Mrlwwl tiNew lira of Ne wb+ ra~r o• vorvwwu ta,+M to dw upea +rn~en wr~r•+ ~ va+rba r tae t• oqn « a nrauare. Mnearu satoa u.e.oaraee erre>. na iai~ ~ Kadaae n te+. t>'~ eam at rMe NoM sla arrn~~! ~^ ~Y ~' ~ AA0"~". b rrhwr tM partoA ~ krNr~ 8+M .COru..rr+e.Oaiiiieaai kAh Irr ara lYary*~ YolwdtAaiO'~ ar. IarrOar anafF. ~aDneh erffl pr0+A0a q rea. II~ Yrwwuh.rsoow..rt....!!~~OnANiwf`P~Nr.ACw-te~hbhM.rltrefb.wWier.rew~w.eMaaM.~eeeMnYat+lu.0e4M't>. t*~ntdllleiMr gad Huaren SelMOM1At a~glea7andw grruurtwdt~oatixnedel14elefthlaMriit+y~~~-~~ eiiNlorlM INI1alY,erle ~ tt.5. ti eitwy M ilOYar~ft~laD.11M P-r? ~ P~ ~ ~ '~~ ~'~ io ar naanai 1M rt t ptnoaN. Ji. Jh1F dNrlOe ~ 11re ANNNAt, plTAtiE #'wTE rrs MMeet tha payf~ahi aneiMrtlL.Ihe nraN11M aF aaynieiMe,•c~ are aalowfl ~irw acnraarth• I q-M 1a PN 1Ke iwtda[, to aaiElYwr b IhNrMtarM pkre~ darr. ~i1r~lr~ ~ ""'~" ~ Oe9! b tAe lforaWY erearrspaideirwnarwaarwOt-,afrlltMt+b~-' afrarMOflnOigrelreftarbe~la~Yl~I0001de11aMMhlnep40MaN1rNiMdbYtl`MYM~!' a1MR he due aRd PMy~ ' at,rt rnsY Da ta11Mr by •ra hRdx Itam IM ipep p REPAYMEMf L RepayeaKt etren W atidr+n PMwdla 1~rraars owr a Palbd + ~ NMalrat ag!OfYre 1eaMl ngMMf NMr MfM arenlfl ifr NNCh (N t caw q'M a iuElfarrelaiuM ae a WEAI. tMlrool of nm atoar Mhrr teK yeere h sr-aran, u ~ 1 eeaM a pa a ttK b an aca0awa irrlarrleha a ~aapee~aY OroOt~ of strora Harr brw eerr itr drralion. }( a (i~ i M bual YM- e! ae a~ooNdMO YflanMhp or habMpfi ^ h • rW~Ufr adaaMbn'adtrrtr aor h (C-1 awr a ea +t~~~ ~^ a IeMerM+MP varetRq eAw~ as rw amoaee d wo Yeear a a Pw~k~ anroaee d bre Yw~ ~-_ (q/a ~reo~ aMrM0. ee~nwrarwssr ~ bMrMrY.totlr haaMi p0leeYen br a+won I geprpai • r1@Al aonoai, aAl$-bwlrklr t MiY K14eq~' arrMt/ • p„O•aearyKlaA wMak MMrpa rAUrlir taiMra aaarMAa aMr 1 oaa~enrlr eayfkipalbi- ifr M inlr[aelYP er gelpefKf Pelf ~aepbad rn tdaaee W ar a4wiea ldt d wl. praQapn a Aare LafaavMa ta>r ~ wet. as 1r+nMMr or raarAaay t~+• _. _ __ _ -. t.~tA--layblraen pnrod Bait not w raw tlian w tIM~ *nr,iwra rNan 3s y+an. AaY Mrb~' undr o~-'~ atWi rta i~a inoba.d h NNiwiiYp:M tO K!~ yCr PMT- M~ +w,MAnl. hallatYM. fdM 1M *~My~lrMrr ~T4iA ~lM~ Is#.I~M y1/F i~tlMrM!' MrM;BS ~ti 1~09r 1lM dW parMifAir l a4na0 OMa Y Mme. a. nnbr+raa~ecaaerwrseee~rfa+~rtiwrrga~~Pa~++'w+'~'"''r+raro+v+w.nraa~10~+~+o~w ,~. ara Mrbd~ ~J 4. U~aea 1 aptan aawwa. 1 ahrl'arMr a aeriaatav annrM aepefrattat ai an aawurrt+gwtto tlrl aranw eweei ar tMa ma{ftld pekakrtl OMMtO~.- ~,. 11i hard orM- OYdMh~r~P F1EJ1l. hawfa. IIN avM of all 0 M ail Ir0111et M Ny t1W11. iYa~a elan nle! #'Ir• IeetOran an aarawrtagral b 1M Corr. e~0 h1Mea1 OA Ne tM~W ~' '=+ti`~ 1aat~aay Mob ~ a ~ oMaa a aM~i~a aludar[ ~ HEAL IrahlrM~. t~e~ FYMkd de~Mrr K- ~ 1~ 1anMr monW dIM 1 owMa b be an hMm or a +Midant •i or'.!o ttii.r -i. ~1 pgFpiNT PMND~IC ~ a ~~~.' nwA t#Ellll! ~.: ~-'px~nN. M1ilU ~11~" t. Npwn 1 ~n+ camyia9 s fuA~Naa soutNtN fWdY N s' ii~L ~ooi d u an 11rItlHl~tln p1 hglwr MOn Nips tr+ O~N~'~ uu tlwraiMwd $tud~nt loin P+ag+str+- 2. Wlan f ~ ~niaps~p a+. p!' er h~~"" •o''~ r is ras in way d w „rrs a 4+~ ~ ' 4 urWerAapMy rbwe.. 3. M6t +~ i1NH d Nair yMn br ..dt of 1M 10NOwM~O wlwn 1-'ems A. rm d +n. ,4e,+aw wxoM a a+. urww tuw: H. ut prwY» a • rowrtrr wdr ar Psaa eoeaana; C. imalMV+c+ a ~ ~Nrw~ vbiuiNMr urWu 119 10l Eh~ Oon+sNie VoM~nIM- INSI t# 1l7d; aid ~r.. ~~ a ~. ti.~xrr h..+u~ s«r+~• c«p.. s. Nat is sr~r of icu+ qpn N~ i mn r P~4~"~ in ~n ~oonQiMd ~Mfr~alMP a nNQw~Y MdO~• pEAtFirpr$JiBiLITY H t eirot blrA(rMli ~l ~ ~'Nv4Ytd~ mY y~-p~wf on HW 1bM sIMM'b~ ~n Ngpotd~Or t111~ lydlM~F nq~riotr. ~AU4T tan 11»lvrM N s'y d~1~4Uo+~ Yik'1orn.1M ierlk! tMiRild bm- ~ YNrrwc4uR r~0 ~ogn+W MaY N NMaPMon 0~ MM IlpMlll/ dN~ Ildl-. R~Cti+~' r'AW Ina i• IN~dO~ N tlr MagN Fq~nad d #., 26 339 8r3 s 1 ~:339,$0 Amount pw~er 1o aa- drsd~ s ~_ AmaMtt pMd ommy «xa~+e Atn~MrM.pNdsto u!ltiR ~'~ ra*Mtdl ^ ~yy~ 4 'M4wRrx... 7M Taer~slf fAatYlAwa NaM'M ewMltMti p t!!I L~IA~ (~ 11,$C. 211igMt) rW titer fallrAi mks ti? CIMi M M11•!0 ~.-~ d MM tMw1E. ~ i.eM (-1YAt)1~'+. 00/N~ d Miolt fry ort NftwMlt tiM iMfMr d MM NdM. 1 Ntd paieply noW~ ttr I~tUt a my olhw haMM~ N pila; ItiOM N rt anY dwi/r N ~. . ad-+oa anwiern~ ~IINrt~ iQ- ~•' MrM dMa10~d ie 3 ~! dM YorrOwK'~ AMporrbMllia a ~~ tSMn"R OA 1Nt MoM. i ~ liMt ~1 Mowp~ Mai t~Mlo~a MI 0~ ord ~dM!' 10r IwMO-~ r~ ~ ~ ~ ~ (qy~ ph r~yY~saiNpY~N~w1.iI~WNgt~w~.1rM~PaMp~ i e+ldVr.~otra tkNNwaOa~ twr»~t+.at~xtrwea.u~ttrr te.n Ntwnsn~ettp.wa~>a~h'a n~a,ro~~4r rxNwMM M.rt~t+t •n.~ro~.a. 91r+a~i f~rtun btrww t GERTlfY ~ f hm rpd my riplM! end ~ and dMMa+aad tiwn rritlt NN Mirfw. ~ 0 ~' ~~ .~~ ~ ~ ~,D. /GC-; M v ~ yip ~ ~ -~ ~~. w'ltuauttt±ct= ttoatWwex !pi4~ ia~t:: T#tat~ ~ b arW.a wnw wb we «MnaM ~naerwrrr drR tatr. K.taw t! n n~ •rdriir trrr wW+~ot, wWr apPM~M 1w; awra~ WtiyaG1/Mne, M Mph n!q • rn •^N's.rwo a ipn Mkt -ar. M>.ndr 41f wplN •aair ~ w Notl a a. eane.r-, 4 _.. ~ __ .. } ~!fY FNAT THIS c .,. r~' G'~"Y t~.F iH~ ~, ~ ~w~ ~.- !.t i`+ fw~af111~f «STATi=MENT'C)F B~RR£}1t~1i=R'3 i~t~3HT~ l~i+iD ~i£~i~CJNSi81LiTtES BORROWER'S RIGH?8 a, TM ball ahsc~ a erft lmtai t» tnratN t~Yaltla to ms dr tt auftartse6 by ttte - iWntly to mutt uuf the eetfoOt. The chetstt a`di`ata tenl~st NatulrrmY eredorasRtsnt. Z:: Tfia hrndsr'must Dr~~ ms With a coDy.o-'~' Ctttnpt*tad.,prtNlNaaory ItstB wMn ItM.bsn if,r~is. The Itlndsr'rhwt tatlrn: t!w nwa lo.me wpat the loan b paM 111 full. a tt ihs:isrr0a assigns fs-G., seAta) ttH iwnald tM t~ht tp ~tre.peymems. i rxntst be sent at:i~r notir~tlGM whtdh spNts out my obdpstlons to fns new noMsr. [: t hrw s tight to a t}montR "yreas MNOd" twrforo rspaf+msnt erp7ns star l -rdve comvKted ssttawtat~ndfrtes tad ~Nmahq- ittd rssid~littCY ~ aft t+ccta4#u4 proptan, tr siert+d bettue tns rust day of ihi tenth month attar 1 eesaad to be a titlt•ttrtes etudent of e l4EAl sCitOdr}. 5. 1 have t ripitt td pt7-Y flee wRl01e Or tttty {ioetGt,r+ Oi Nee loan ai sny tons wtthoi-t a p.riaHy.. d. 1 trot a flgnt t6 sletfr+mant'Ot prin6tpa/ and tntMtst repyrmenta. ti eertatn CMdllt@nasKt41. uMlar:daterananf, tale nor ta0ui,ed ra rneka paymsMf on ttes kwe prinelpat or lrttsraq for . period of ttnta. Ttw ctmOitMlirrtltltut gtaatity fns for #.deiarmartt ata {feted urwv DEf6AMfNT m+ the ~orttTs ary Hots. t:; the a.naar wtn ormtds me wiiA a rp.ym.ni schWWa txtore tt-s rspayn,ant pNk)tlbeq!^i6: ti: ttY loan obNgstbn wttf. ba gt~CNt+d ~t the srmet'dt rhY nth dr permanent and tatsl etleaG&tty in accordance whh'aRpltGbts t?adarat requtatipns. q. >1l /ne otslbn od thi FrrdMl 6erattimNft~ t AYy any tQr a t~tyl COAfrsert to hIIro my rosMrluuy at pMrtf~ly rltjNlp byafonno for tai !pa twp Years in ttH ttitlOMt NeaHh !llvi6fR--G"oepeo'f'M a healtA manpowat atsautaq! area wenntted byftM SeErstary of N.H.S. f undaenpmd ttiwt s eoMract nray De ertlMed'dtpsndirl4 on fns avatgWtttp Qt paNtWns in +twttws+rw and iM awtttatattitY o/ f?aderN funds appraprMted for thts purpose. 10. 7NS kndsr Cannot ehenfle tM tarans of tray 1iEAt. taste trNtldttt m •~ t _ t; $t1EFt'E i1ESp'~"FEtB{I.ITtE$~}I! ~{3 •a1C':~ is ~~ r r :.`w,r,` ' .i i tr r+ut tx-a l,~tt.lla Cllr-,t 5'.:, t, E tiatdsreland !Mt ttme b n0 lnteNel subatdy M t Nf./tl 40it1 #rott that i amasE {~ atI intMNi on the ban. it t drlnot tnt~e pllymsnts On tNnt or tl I defiutt, the loth amount to tt! rvepild +ttXY be tnt:reasod ey addittotatl tnierast toata. Tate ctearpes. at- torney'a IMS, ecNtrt oasts artd other eotladtbn cases, 2.. t-Uttdetatand that th• lendaratey eifatge me a>, Insutanoa prftnit+m:antl that t wih nottrs enMtMd loony retuMi terltets pahium. ~; 1 nwet lmtnedi«teiN SHY fne tender if sty or the roxowtnp rtccun.beklrt she U»tti, b repNe: a ctttgaa.adresa b. narrt- ettenpe re.p, neon name t6 a+artes name) e: isHuM to eneell M a MEAL at:taool tix the ptlAod rorwhtch the ktrt k intsnti+uf d. tneeater to atwttesr school s: wltfedrawst kom schGOl or sitend~ilea ohs Asa Mlwrr tea~tkns 6asfs t: ptaduMbn or giMer etipibb tHMlrraeant statue. {}.. cefaMbrt of participstton-Mttnfntemrhtprretridet+ey Proftl*n'a 4. 1 moat 1Ypey the Foan In accOrdar+cs +4tth s rep~y+eeeaet schedule. Mors dstat~d infarmsttdn N10nt the repaytetsni latms is hstad uf-dar R£pkYtAleNT on tTN prttmgai0ty' Hats, S. I MxrsftiOllty fns lender of any occurronoswlttch mY sltsetrnY atl0~ky is reecho a [otsonlime to resatvs a da/srment o1 Attn. diptl Md tntersal payments. a 1 ipidentand !flat fhb ban ngrat De paid. ii i M hot trotce payrnsnta whsn due. tee lertdsr rteay daelare my roan to ttatauH, I11 ds-sutt, [ht Fadstat t3or+rn~!nt wtu takeover n+y tear and I wttt that owe ihitioatttrtarm~~y ~ hat hind Yaara of ~t~ HVeY' to talcs tna M ply. F64fti1laYt~eeCk-daa nN frgh,~1>iettatytngttds taut in ttenktttpl'+!r hsanf pWtod, T. i w+Qerstsnd tha11 t:M only t»s tM proesaes of my t~ft€1kL IoNt ftx tttttionand°Wtta raasnr~b{s rdutationa4 and thiep eatasnees: BY ~Y t11f~i1riliNB llei0w G`ER'~ii~l tMt9 tYad mp tights and ntsPottalWl{1les=aid t3i>~Irssad them w{tb the kndAr. ~ p~~~~ 1 9~tIQ ~ ~~'" ~~ '~'_ A.r aau ~;.,: S7ATEM~l+tT QF ~QRROWER'S A1f~iM1S tllN#i RESwOM~t81uT{ES St~11tiOW EA'S lllCiliSS t, TMC tesn saaoM of drplt n,uxt-~ rnaOS MY to mtir It raullcon~W aX ^*y - t~tK to ~ rerd tlwx TenoM. '/MdE~M a-dfn~ ~stroYtWta mti cndasoroant Z. TMMndmnwstOrorklemrwitbscoPyolihaC9eAptdfr~lwcy~wlpnitN~O~RrLrlttdli,t#1NNMMixWittll~M-~r0llYppN= rrMn !ne roan +s Uico m loft.: I: tt the iemicr assigns tc-p". xaE~ #ns +ou. i+w #nrrapMi to reuw. t~yeEwcts. #,+wxkw xant aawr awrataalioa w~i+ah tfO+N#s out a-lr obMq trans to tna naw nts+acr. r tiC#CIe ra!C!/vmr'nt begM! attx+111iro Cg1llpta~xd ICIW W ttw+QrAnoa f+M~ ~ an0 teaa<krc ~. I ttare a ri¢pl to,t4 month "g acre OcnoA"' cy 1tt aA tiecrEgitted tarn. +t xtsxls~ !w#ate the ritSt osy +N the t+tntp +tw++ta tee t craaaaad to ttf a trrq-iertN fGWont at a kEAt nct,oat#. t harp - rlghr to prteaay the wne#a or any pe+rion of the toes at any trrrtY vritt+out a Wnatty R tpavr:a r"tQnt 10 QatOtMellt of prinCidN end intanst revaymr++[t it certain Cor.ort,am e*iat- 1lI+ tO/ a QttifrllN,lt a[a taf-. YaOlf psylTYSntx on tnt wan pt,nC,0a1 of iMHeSt tot a (»~ of tie/f. TM CQ itra! f~#h' MENT tM 1h• prwmstay note t. iM tienO*r wui pror,6e tfta ~ifh a raWY~t frttMtiuts bNarslM# tep#y p d, tdy roan oW,galit~t MiS tpx fanct-tetl to the xrMt{t 0# tfty tfoatA Ot pNaranMR ~ tAi>N dNiib#SiY in iG'SOSO>NOf wflh >tDpNCiSM F~4otit reputations. `• AI the oWi671 of Ihf Fed,MM (tpYerflfMnt, t rnaysppty lera fpeC,aS CWItraCt t0 pire TY (Offn logy a ttM7W/y ryptMd~rti~rt+#1t~ tOrrt Rapt f.o yeas in the Natrona+ MNttp Sernce Gaps or m a taatn maer0orrtx t,lrortapt Nrq werrtu,saroy the See+etartr of H.N.S. # vetdrxlNtq roar a contract may De granleo tupMe,ny on the araitrttwtity of Dositrons in sponlye ar!tNta an0 tpe at+aRatmtNty of FWarit' hEeWe s- pro#xttattM tot tniy purpose. ~: ttx cannot. ctw+ga t++e tams of +rt~*'w~t+~arE+ttl'~t#wtl~ ~: , ;!;} ~.~ ~ i.7%,3~; ;kj ~. a~ ~~:~ . ;.: ~:. ,. r t, #undacstand that tdtrr is np interost suCt~"~tt~attiMi/Wflonllff#OM': 1!#ttQ tlOt lf~tit,i#ptl~lltt a tt tiNaurt. the roar arpgatpt to oe tepat at eL ay aC4ttlanof MaMN Costs. tst• tbs. attorney'ti 4tIS.+00~1 eoaa tttW otpar cWreCt,on coats t, a untlastand Inat iM 1N+oa++r+W ctrarpe n+a an imursrwe parriom and:tnat I rrlA net tra amit#ad ro aq+ tWtand of NSt1 pr~NMr. 3, I ttrfuat +e~•a+atNy na1#ty 1ht Meow r# any ta# t#Mx #at-uwM-4 arcw>r 6WOn t1~ k#~n ~ rx9! a e~npx of adWxu t~ ,more etrxngx 1e-p . rt#a~t+ home to enxrf N!d etilttN tk idARe to lRroN th x MEAL sepoW #W Ntl pM#Od,~lt vlhlC#t'~1R t0~1# k'i!![fH4~0 4. Vihalat to ar101har xt#WOl •. ,ridtOra+rat kam aEtt00t tX ~ Olt a bq tlrtt tfdt.ttrha tatWH !. praduati4p ~ eWNt a c~atbtt a! part#~pation m an btternst+tptrxixtft+ACY p-p9!~ 4. # reuxt r~Db Iti! hit rn 1rCCAFdanCe with a Cep~eYiM1k xett~wtt. M01lftali##td NtfOfsiEMiO+f.~ti0kt qM iMM1a-le #1MMt tAMlxt t~tMYMEN7 On fheprr7M#xa4ry etOt1.: ;~, rrpuitaotihtnaknderotmracturarkstxltklttt~aH+d':nq~sM~16#Ntl-tocrp#+Iret~tarlNhn+s~t-[~ia~i~tsth~IwR+MpMgI1M~aM inlerat pey-t-trnta. {~ r tu+dua#sa0 test #wtx i0ah ntvst t» t~+id. ## # de rwt ttaxke pttyatatett +Mnh tiw. Hr 'arAll d~MS+aY bM ~ i~1nt1[ ~rIt, M treu.n# (3erp.+n,tnt wit# ttNa erer +tw toast ane birAl qtM a,.a tlea att. +sy dltixxrlt giMbt snwt.#w riiat~lt ar~MtE"MhwatMU-1fi~lw FtWra# tart pteepf0ax rue ~ ~ MM NMn #tt a#DM #!H- etN Belt hra YMfttN tM IMF t. t u~.er~nd tt~ r esrs ooh vft th~r +N ea9" aiEAt'br^ Iar wttlitia-onA ~Nwt *arM ed~rnsNMN ~M ~Yf i#r r~ ttate+r # ~~ tt»t ! ttrw r~axtf h-Y eCOkf+aE~11 „~ aaY SiOxtlxSM'NrMR~pl- ON 1MtM- au rize Bank of Inditatttts, 'Mstlayt~l. >*sstxir~tton t+~'t~kt: thsir +GMCk bl~ jatnCty tc tse~ tfie school . t `9~orr+ to bal5~ part ttt;#.4 ,5th fla-1r tt# ~.y, ise5. .a flNxry E' ~~"' vtrrt ~, hrflwyl6 t m tJxaa+• t6u~+y ~ , pxr1. x4d n low Yon trhxrttqy~~ dos Evpras -ttrp+ a{t. ,tcxctr _.____ $T{4'T~A+tENT QF BOitROWEfl'S R1C~kiTS ANfl ft~BPONS181L1TiE5 et~~ROw~R~ t~~H~rs L T b IeHr enavpt w end nwtt Ui! nurse tWybH ~ +~ ~ i! auittOntad Dy me - Wintry to me ar+d the aohdoi, The ttit:k or drstt tmtat.teQYifR.R1Y Mdaraem+nt. • ~ ' . ' rwte;wtaai tM Wai ~ mane. TM a~xla mvat.returr+ tb y. The Panda must provide ma wtth • aopY at ttrrttrgm~ieted t++PtsNt+'~Y noM to me wren tihs.lOen a pRid ti+ tuft. 3: it tfp- lender ualpnb te.p., setts} the (0ait-and the nQnt Nq rscstw-tx+~rte.! must he sem a oleo notifamitton wtiiali apsBa'out my optrpatioru to the crew hotdx. ~, t taw a npnt to a srnanin .,gree. pMbd" betora repayment e.quu etler t here eerts+pNtsd tKttoot ~ttenwncd tend irdsniz}tdpand restdancy M an aecraditsd prppra111. kt etartad pHora the li»t dray or the tenth rrtdnth etia* t tetaed t4 tN + iuu-LitrrnfStyEknt at r MEAL, schooq. +~. ! new a right to grapey tM tthpta or q,ry pprtten o/ f6N Wan at:erty titrte wuhout s RwlattY• 0. ttwva a right fo determent of prtnr:tpal acrd Interact npsYe u eansin eondtiWne wilt tMperdetrertrient l am not requ~na to make payrnenta an the iota prMdpal ar Mtereet tar a peNod of tuns. Tna cpndittona tttat gt~sttf-• ma Cara dsiarreMrit>an ttstsd under p6FERMENT on the pmmWlwtY ng4e. 7. The Minder wHr provide ma vrith a repsy+nent acitstwte.bNoro the r+palrtife^t OerWd Ot~rss. d. My roan obilpatbn wNi be aeeoal-ad M tb seen! of mY dssth ar pertrMnartt end total dtssbiluY in aecordMtca wttri a ceders! roputattona. $; Ai ttn opt6on of the Fedarel Corerrrnent, I maY aDPM tars apsawt Gontr~rlblteMrtty {can tWf~ ~p> isY ~r Rio et least two yaba In tfr iietlotiel -~tatn eervtes CorPa or to a hatdtl+ Mta tit+t~De H.H.& i urWeratarid Mitts a +osphsct ttgy be grentad deoandinq an Sire avsiitbitlty of podlNlNa int srass trd its sra#isbslttr at Eweral lunch spyraDr~aNtt Wr thN purpoN. G; TM Ibd+r Cshnot Warps the' btlRRt91M~F1t~ pE$fyC3t+t~#~ILiTtEI~ ~} k1^ ~~,. R• rr ,. , ~ ;+ t, t ~d thst thMe b no intertaet euosay on • HEAL-Wan and ttxt i muet pay ati irrtereet do ttit lo1M. tt I do not mslte p~ff11 o+n trine or ff 1 dasleiu, lM toteF smaipit W tie r4Pltid mty'be NiCCMeed oy ttddttiOtMt ~ntersst coils. tote ef+a+fie+, st• ~t~yr"a !w. towt gusts and otnw ooltsctbn cost!. 2: t utnd tMt ltM Metllsl ret+r che-Oa tn! en (tssWanCS tltwlilum and tllMt i win Mt srititMd to sine miurw of tt~s Drsmfwn• 3. i tiNiel immedtatety Hatay tns tshder N any of the 1eMdwtr+0 eetors tlrs i N repstd_ ~. ctianQa of aodrsss b. nti*ne change t+.q.. matdan Herne to ~Ree nMria) a lailurs to an.etl to a HEAL aanool tot Nts tlorWd for which-tnaloat +s lmentled tl. transfer to another school e, wnhdrawai from sGhOt>,r 4x s1lsnldMtas ores fftss thshtull~ttme brsie t, prsdwtkm br olMf Nf¢1We ffsfsrnMn)-iisfus. q. cbsatbn at partWipstbn to sn iMttrMhtp/resM ibenay IMtsQ-stN ~. l must repay its loan to aaso'danc. wnh a ripsynNert s~ehedule. Mitira tUtal}sd tnlomwctioti menu! tM rykYnsa~nt terms M iM1eE uttdir REPAYMENT on tM pr'omisaary ~. +~ t mwt nattty the iandar of any oecarrence whkh may sthct mtr+hEQbX w raesiv+ ar to eonttnw'ta r~Mrrs a tlstrf+'nsnFat peii4• c{pat and lntereat nwwr^en~- 0. } ~<arrd tAat Ih+s WSn rtwst es ww, if 1 es n~ mskr osYn+++-te w+~an due. tM Nndar ntsy dsWa ~y lore in dstawWt. M 1 Aetautt, tMll Fsderal4ovsrrenertl wNf tab ova my ba+n end 1 will thar owl its r3ovtrnntsttt. MY Mdselt aM}!+'esCtt to court aotipn lq Ioros nM tq pey. Fttd~ law pr~ahtdss tAa i r~-t3itct+a4in0 tMa loan in ba~riKttcy unto sitar kite itgi t7re ystui of rice repsf" ettent pevrad• 7, I nndsfatN'td'itaf i cat arty aaa the proneeds of rmy f4EAl ibrn for hdtfon snd otbr tpsprabta sdueaibnal anO Nr#tq +lrrOSns'dE- r r' ;; ~ 8y by ~~ ~~ { ~~ that t hmro read »vY rbOhts and teapanstbiiitlas tmC ettdcusaad thitri wnh tna iarider. aATE Oh:tilNtr nrt6A6saT tsACKt Rw s>er .„ t r O@bhlff/ifT. r tgn*wassaarr+vxxr.d aa.+eaw:a~ .My~,y,~~» ~.. ~: y,a past taa earraF >vat ac- 2rW W YA+.n + am carrytg a is rnvr _~-.atu W ra»Y M a hfiat..swrod ar ae xR wtu.reorr tM SIfYw 1rpN:Jly! ~l:w N (Llr?.f Oar! M "Y~.lx4YJ; M0E 7 $rlt7ar• lMn Ptdy;'n t81 NRrn ~ am,pYlpya.p n s latar7rno sasw ua7mc a -arr~.s.4::rs,onr x-. !vny kv na r u.ms -Y >wo wr. a eMeMfau.n twprrpnl fwirr fi-... .Doti {CI Nu ~., •cwr d arw e'^~ a tact; d na row..eq ww. ~ ivrt lit r monvar d to ,aaa rnow a va urap 9aea. ?~ et l•M1M7Q M a Wli~taCr .Y1prr pr• P•aca Corp AQ. ~~~ :~ .rr..cv at a 4.~dn. yu4ra,vv 4Nw lab ~. d me flurwui v,~wnr $a.. ~. !d a lots .na y4! r rn~+rO. d Uu Naanr r1uMM1 9ikv.v Craw tOi rfarnraerdhtr y~r•rbnl tiwtpargaran anamadry w•q.r.q a.•rtlw• h raraOrYa fSWpt rya / 1 nKfr7U nMMR NfAI loan M arm autl6.r z?. ills. iws ~=.uraw a bs T~rho x~.a.. ant' 4awrrr a •,a mre d +ra ~~ pw,ar b + e+ ~, , a`,wnrcY pc ~~ r 1~ rrMye a o-wrmorr_ .ncyf rq ~ dMMral a tt* aran a » rpFr.mre C+rw taro ~FAYMrEMti 1 ~, prw_r q M rlwr or ve aca,aY am .,xw.ty ibr•aow ..n*v e~ to Im.Or ar.daral d try •4r.ra n to OMSmrra acct.! a+a •Mtllta rypl reran arlrr rrtrr n~7+>w~a a< h» a as'Y to VOSw Via IYtdr:rNn r+ ~y~p +r4m~+oa. o oIr ~_ laplw~ dehrmar•. _T +~ 5 f~[I~Tf+lotaraa.rrr a !tar ar trcar+a Wary a+d aar•1arr~r2Y.s},T•trro r, r ~.,ma4l ,a~iSat snbwa rru.:.~..~% ei ,:. 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MON 0•!M atsd, ~s.ra a m Dw•re.~s* d .r+aw'o• sa repaim ~ ~ w r.p n wur! ae+c~~ ~o rc.c• m. b :ark M 4ru.avy r!yr, aro orw w tM raa.c.d F.MS r•rraFrt4n.wvx a tarrrarra rY rrMlw a•atO~a ./IApt anY Hr+rrrt 4 pl~arrW ripa al• arw};wy Ou+ pra6ulara a+a tvra tllfralal onr+.. qan[. anAnW eyaa dn•r tsrarraanr otla•t• +~9 r~Y or•wa Ea Fidaral a'rSro+rrR Tt.a 6nwmwnr nnp aMO +~p•rt ar'9 ..ace dR;rrll~ltalr r+gmy NsreM. $~~i aa. pNhr• eny ~~~' ~^ orocwaw m •cwn5ncr .Mn yr '~+i+Y rnnr (H ~-M ~O} ~~ ~`w rka ~ m, xvx,~f rn mt :~„ ,~, woes ~rau.! ~o.n +cu0 ~ w.nwR <x.• :. x/ .r_haGV fryr. td M Q^ib W 't'rc 'k~AN' `347 Noltl_ G.I~rStM .r~rM1C~.li•If (rW +Ylli PeWr/a ..._ _. _.._~ ... _. 2 !Z 1 trl W nrr• GaYln•rr.~or W b OOD.DIr y.ir. aM ~ bpn Gl Ilya .aNOw:filaralrari~~ wMr d s jM++era+g•ra:rr airnr mower ~wn~, t1 r+ra• r91r ir~i1~ ~'M m•. qq .Nor ~M soon ro cw tanarary tQ cp1~#pp. usxwncn .+o +a obbn my •erl,te. aan rv ~na~y 14.•n.;e Se~w:a tyo,p+ ~+ Sbveaer~ V av Mrrwr ryr ,v curer! 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'..~~: . frq~lY'rt;>d_ilnOYtliMO bNlal~dare l0t/1, `...~ ~\ V ~ s o. ~'` ~ ~ G~ ~J `(~1~\ ~1 ~`' `o a t~ /~- i ry 5.:.~ ( 7 ~ ., ~_ .d ~~ ~ t ~ ~ ~ ~ A \ ~! ~ ~y~~ ~l .~' ! f.J - l4 Lj 1 T ~Tl t ~ ~m < + ~~ -~i v~ ~~ ....~- --C SHERIFF'S RETURN - REGULAR CASE NO: 2007-05047 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND HICA EDUCATION LOAN CORP VS GUZIEC JOY A KENNETH GOSSERT Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon GUZIEC JOY A the DEFENDANT at 1900:00 HOURS, on the 29th day of August 2007 at 840 ANTHONY DRIVE MECHANICSBURG, PR 17050-2203 by handing to JOY GUZIEC a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 12.48 Affidavit .00 Surcharge 10.00 .00 4~t~+jo7 ~ 40.48 Sworn and Subscibed to before me this day So Answers: .~E~ /' R. Thomas Kline 08/30/2007 APOTHAKER & ASSOCIATES By: t of A.D. HICA EDUCATION LOAN CORPORATION (HICA ELC), Plaintiff v. JOY A. GUZIEC, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA t~"r- SO W'Y rf@:-69-~ CIVIL TERM DEFENDANT'S ANSWER TO PLAINTIFF'S COMPLAINT 1. Admitted in part and denied in part. It is admitted that the Plaintiff is HICA Education Loan Corporation. Defendant is without knowledge or information sufficient to form a belief as to the truth of the remaining averments set forth in paragraph 1 and the averments are therefore denied. 2. Admitted. 3. Admitted. 4. Admitted except that Note No. 3 was dated September 17, 1984. 5. Admitted in part and denied in part. It is admitted that the Defendant failed to make required payments for a period of time. The remaining averments of paragraph 5 are specifically denied and proof thereof is demanded at trial. 6. Denied. The Promissory Notes speak for themselves. 7. Denied. The averments of paragraph 7 are specifically denied and proof thereof is demanded at trial. 1 $. Denied. The averments of paragraph 8 are specificaily denied and proof thereof is demanded at trial. 9. Denied. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments set forth in paragraph 12 and the averments are therefore denied. 10. There is no paragraph 10. 11. There is no paragraph 11. 12. Denied. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments set forth in paragraph 12 and the averments are therefore denied. Respectfully submitted, NESTICO, DRUBY & HILDABRAND, LLP \~ Karl R. Hildabrand, Esquire Attorney LD. No. 30102 840 East Chocolate Avenue Hershey, PA 17033 (717) 533-5406 Date: ~ 0 Attorney for Defendant ~' VERIFICATION I, Joy A. Guziec, verify that the statements made in the foregoing document are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Date: ~ ~ ( ~ J y . Guziec ~ ~ ,. CERTIFICATE OF SERVICE I, Karl R. Hildebrand, Esquire of the law firm Nestico, Druby & Hildebrand, LLP, hereby certify that I served a true and exact copy of the foregoing document referenced to the foregoing action by First Class Mail, postage prepaid, this day of September 2007, on the following: David J. Apothaker, Esquire Apothaker & Associates, PC 2417 Welsch Road, Suite 21 #520 Philadelphia, PA 19114 ~i%~~~~ r Karl R. Hildebrand r~ ca to L °; ~ ~ ~ ~ 7.. {~" U r ~ ~ ~ti. ~~ -.: <._ ~ ~"~i7 E ~~ ~~` W W Our File No.: 98941 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker Attorney I.D.#38423 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorney for Plaintiff HIC~A ORATION (HI A ELC) CO Plaintiff, vs. JOY A GUZIEC Defendant. COURT RLAND COO~`1TY AS CU1vIBE NO. 07-5047 pRAECIPE TO DI5IVIISS WITHOUT PREJUDICE TO TIC PROTHONOTARY: Kindly dismiss this action without prejudice. APOTHAKER & ASSOCIATES, P.C. Attorneys for P D btf Collection A Law Firm Engage By. othaker David J. Ap Dated: November 9, 2007 f7 c~, rv ~ ~ o _ l ~ ~ ~''._ ~ , A ..~y ~1 4 _+ ~ ~~ ~ ./