HomeMy WebLinkAbout07-5414I'
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff No: O~_ S~~cE Civil Term
vs.
COMPLAINT IN CIVIL ACTION
JOHN J HAUGHNEY
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
06122640 C J Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No
JOHN J HAUGHNEY
Defendant
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at
3700 WISEMAN BLVD. SAN ANTONIO TX 78251 .
2. Defendant is adult individual(s) residing at the address listed
below:
JOHN J HAUGHNEY
1175 FLEMING DR
MECHANICSBURG, PA 17055
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4444001008112934 .
4. Defendant made use of said credit card and has a current balance
due of $5479.48
5. Defendant is in default of the terms of the Cardholder Agreement
having not made monthly payments to Plaintiff thereby rendering the
entire balance immediately due and payable.
6. Plaintiff avers that the Cardholder Agreement between the parties
provides that Plaintiff is entitled to the addition of interest at the
rate of 6.000 per annum on the unpaid principal.
7. Plaintiff avers that the Cardholder Agreement between the parties
provides that Defendant will pay Plaintiff's attorneys' fees.
8. Plaintiff avers that such attorneys' fees will amount to $500.00 .
9. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the principal balance, and
accrued interest or any part thereof to Plaintiff.
Wherefore, the Plaintiff prays for judgment in its favor and
against Defendant JOHN J HAUGHNEY INDIVIDUALLY in the amount of
$5479.48 with continuing finance charges thereon at the rate of 6.000
per annum from August 16, 2007 plus costs.
James Warmbrodt,42524
WEL WEINBERG & REIS CO., L.P.A.
436 S ve th Avenue, Suite 2718
06122640 C J Pit SJS Pitt bur h, PA 15219
(41 4 4-7955
FAX 41 -338-7130
This law firm is a debt collector atte pt'ng to collect this debt for
our client and any information obtain d ill be used for that purpose.
Page 1 of 2
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Statement r« .coounr nt8nber: aan4 0010 oat / zasa
Nwv 9talroe Payment Ow Dne Past Dw Amount MerNnun P.ym~a CHASE O r
seo9.u
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aeeraazzreemo L.dII~LJ.
JONNJFNUO EV
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~ .I,I~rLdL..LL..~IIJ.L.rILrLLr~ILdL~I
RO PA t7066.8T8B
tAA C
Hu ~ SERVICE
PO BOX 16169
NALMNNOTON DE 7G8B8-St69
Lrrlll...IIL..ALL.LIr.I.LIrr.ILlr.Ldd..dr6Lr.r111
x:5000 L60 281: 207 1008 L i 29340M'
OpenMglCbeYg DsN: OUOND7 - t16t061W CUBTOMER BERVICE
CHASE O ga ~ "
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b: E~;,
TDD 1.800986.80M0
PaY try a~ 1-OODtlB-7868
OuNide U.S, aM ooMSOt
1.902-8W-8208
VISA ACCOUNT SUMMARY AesatntNuaWer: MMOM70 08112W1
ACCOUNT f1011e9E8
Pwvluu BeNnoe ~,266A7 ToW Cred6 Line ~~
O
Baa 76299
P ,
Purclraaa, Ceeh, OebMe aS78.00 AveAehN Cn.dit .
.
~
OE 10060.6288
Fkwioe Chagse •5192.81 Ceeh Accus Line 9'8.200 •
New Balsnoe ,4 .46 AvrNable br Cseh SO PAYMENT ADDRESB
P.O. Bce 16169
NAImYpbn, DE 19896-bt89
VI&T U8 AT:
Yau hawn'1 made M raquYed paymenN and your credit card accent N 90 days peat due. Ae
a rewML Your cradN butesu may be updsled wiMt a rrOaMve raMrp. Pleue acrd Y~ WYr~
MmredlaWy or oaM w at t-800966.8090 (aa8aa t•902.6W-8200) bday.
TRANSACTIONS
Trans Amount
Dsb Rdsierce Number MsrcMM Name or TrernscMan Daecriptbn Credl DebO
.00
OU08 OVERIJAMT FEE 99.00
FINANCE CHARGES
Firrnw CharOe
De9y Parbdlo RsN C«nep. Aversps Orgy Bdsnoe Des To Tnureaction Aaarerudefed FIIANCE
CeleOory 9D days h oyeM APR Parbdo Wb Fes Fin Charye d1AROEtIt
Puidness v.ae2lTx 29.9nc 96,9T9.s2 9192.01 90.00 9ro.oo 9t9z.6t
c..n.dY.nr.e v.oeztm ze.99x Eo.aO so.w s0.o0 9ro.oo So.oo
ToW Muse drsryee
5192.61
lllaarva Aanutl ParorNaOs WNe CAPRI: 2MJM%
Plow w Inburtalbn Abdul Yow Aocaed escMm br Glartos aompugtbn msMad, 0~ Pte, and other krtporbnt Inlormauon.
Tlr ConeepanArp APR N Mrs rNe d MNereN you pay when you arty a hslanoa on M' trarwsotlan wlegay.
TM EIIeoWe APR rePreaerlM your IoW Manor olrrpse' r9 trarNao6on Nee
euoh u aaah advance end beWles bsnaNr Nee - expnesed u s psioemepe.
This Statement is a Facsimile -Not an original
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Page 2 of 2
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upon. If you MINI wa hew npeebd irrmreW mlorerWon b a erNq
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amonN r aoarr s tlr acme fly w rwNe pw pymem, rat you wM not
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paywlwlb Bbl ynu sate Yri/d M awes b Br appf001 W 1 pymwA adMas.
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and pu ebae b py q wMn OMaG The emur Iwo wmiaherdeMe odes
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uehp M epptlsOb perbrc rWa shown on Mies abewnwrt, aepwaGly roc
eaM fawn b•F, bWrrce trrrbr/mrwaaare cMeb aN osh aMnca
drwb ('olwaR trrrsetlon'), padres, brrwe trenabrs, wh eMwww.
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mmbkr dpMwn abyMe wMr M sae day parbdk Mee. If drag b e
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mbimrwl Bmn ehry b cry btMO yde b eAtlM pu orn+m pMOie
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cWh edasq, Or drank trwradbn, h tlw reoun4 aWad u your
Cuanrrrba Apreabw4 r amrraed.
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bapkmYp balWS for eeM blbn, ado nb mwtrrrWtlaroroMw Matte
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pwbic rW, ad Mn mlyply eadr d dreee raedb by MO mmbw of drys
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for a bA11nnpp rya wMn a rrrntluy prbie rhe(a) eppAS, mrAtlry tlr
wsry rbly Whlrm la each Nabre by tM apptlabb mantly pabdb wa
rrd sad M Herat byMer. TM mwwgl.pr nw pwioio Anrru derv.
for tlb birq yda, aaW la miror wxfalom dw ro rouatlrq.
Bfan Pabl (al bW >h MU~
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hen tlr dab tt b eddN b pw da4' brrw uti Oaymwn b NItl b
rWrewd an you emeuN. lbaewar, w N rat day pwrodic Mane
Meryl an new pulolrlW DMN duMp l btllkp Cyab q wr raClhN 00111
peymat d you Mew Bebrlu m you wrnnt ateMnwlt b)1M hb end
tare your peymwe b des rd also peymam d you New Bebrlu on your
prwbs ebwirar by Me dM and tkne you Mprrt wW due. Then b rw
pnee Ndod br belwrn trrwiea dlll adnrwee, drdt tranWCrona, err
owrdrMladanw.
b Niles, N Mn b a •OaWMq Praara6eaN Flasebp• taallea w
Mb lWeseek you ei mt inwr pwbdk Orrrwa ebpb an
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by rr eppAaMe 6riwtlar Deb. To woad Bnenoe dtarps on new
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tlw Ouetlykp Pramatloml FNrrwkp smtlon, py pa tM Ndw Brrrea
mimes tlw too of these Rmnhrirp Brrea(e) by ria Bra and ems par
prymNN b due. Ibwawr, if you Woman chew tlrt a midmue pyment
b duo, w muq rwrba al lawl tlM midmum peymW by des hb aM tlma
epNtbd m par outwork awn If pu Naw Babrra mrrabb Drip of
Owtlylnp PranotlarW Fimncip Wlaneee.
AbO, br same Duriyln Promotlanl FrrMnp trance, penpdc Ikreme
a l~mt bageta. Nr~tlN, My eaumrsa h~ml DiMkrB r6'da hBNnp aria
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the Ent dyalbr M EkpNWm Wb. fretlbr, q you data uldw tlr sme
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b pa eE60wi W Won s iM Olt d ddWl.
BWi iW1B MIIIAMY
b Cww al Ewan a BkaAer AMM Yew ~ n pu tlii yea bd b
wrap, ail pu need mow hdarnrtlar eboaa traiwctlen onyow 6M, wNa
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dyes eRw vw awn yes tM tlnt bw an wlkh 8w error a problan eppwrsd.
Ydu an blaphaw w, but ddnp w wYl not prrena par dpna.
In pa btbr, pee s Ma htlbwh9 mbrmWOn.
• Your rime rk emouN numbs
• ylr doper amouq o11M ewpectwl wror
• DaaerWa des onward aapbb, if pu can, wiry You heeaw IMra is n error.
II you mead mare Inbmatlon, dacdba tlw iMn you us unwn about.
You 0o not Nw b py ey amoum h Auntbn wfie wa era MrWYpwMp,
ba pu w aYll o0aybtl b pay Bra wro d pow Oitt Met an rest ro
8uaalon. NAie wa irlaaltlyb pa owetbn, we carrot report you s
dllkrarlart a Ylr xtlan b mod tlr amowq yyou 9ueriori. If you have
anlhods0 w b py par trait aN bM auam+WwNy hen you awdny or
Madlkrp accolaq, pu m Nop do pymwu an Wy emoum pu tlii la
warp, o atW tlr pymW6 you b0er Or aA (atp M Grdmambw
Srda adenW a tebpam rumba etro7m on OW rabmem(muu rsM
w N bat tlpW buaNlal dyes brow tlw eummab pym WI b aMedulad
m omur.
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dwAbof OaeM a ewMCae tlrtpu purdlasdwiM a enrt sN (stluirp
punlWtl nNe wan a Mld6. aN you law Netl b yN fldr b oowWt
tM probbm wpr M mrMre. You ray ml INw b py tlr nnafrarp
ewuA dw an tM yob a Wrvks. You htrw the protadbrr adv wtwn
tM paMw price wW sea Orrl 6W Wd Bw panddea wW meN your
Iwme ebb m atltlin 700 a8s d yew mlwq aeons. Thw Nmgrbne
Oo mN eppY q to own a opaaY tM merdam, a It we ImleO YW Ma
eMenWm Wt br tlM pnparb or eaMCS.
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the chstl: abcMOricsNy, oh U needed. by r arch d~~p tM~a rcMthscir smouat asap
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Nlinlmsm Pvyptadc Tbu s9tre a MY et best the mMdmwn PrYrrr>a
on yow bNRaY stsmannl. to rhea VYS racsM it br tl-e dste and ~Ph Y~prmtwot You
You rtnY PsY nara ~'^ th. mlaiswrrt ~~~ dta< sod msY PrY ~'
owe us et airy tine. U Yes hew s ~ ~o~akha~ge beeausr finsnesrch fgeMs
sooner Y°r Ph' ~ ~ bas Yrtt wiA P'Y
eeerw on your balsas ~ bsptaabt0 buys rid Yow errdfap belencr (1(n
Your bi0iap statetwarl ~ ti ~ (isw 9sbncs h SNI Op a bas, Yaw
NewUsinrsi oaynrtri!Mni
mbtirrnss dns sfd a the How Oshscs. gtMrwka, k wUl br Mn btgnt
°~~~iem fmsnt:s obsq snd srry 6>ted ha nd~ovetpndt tees As
~°~ 6ird Mtad'a dw,vw airs sad any emornd past due and say smormi
pmrorY~ rsditlltra Ytrrm
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snd~rteditslds lhstisrabsthvorsadcrMWmbslancesawithbw•~AP° b
suthotito w m rip byvdrifoPrs b~sl~ss wMh tdpbrr APRs
as protnwbnrl • retard si a rrerfd hdonee ei rrry tbrre YVe maY
Cridil6slneesr ~ msY n~bemncs bythe amount al novr cMrpes sins biped
rrduu the rmeunt aY
to your scrotml m autorwMceMy chirps yow
Aolorsetio Cbagrm Yor msY srrlhorbts a thi-d party~y y~rpec, msmbstciups.
ecrmndlanPntlaa+ UausmsMc Ney~ppediwrttynrsvnp
and inswaaw Pt°sdw~
baceerH yart ayeornt is elvad ,a tort PtratMYhtp the bip~ir snd pyinti Muss cshayos
number ctuapss,yor era rupatxibb b.t ue nolntiu-'rd a. Iny b="'
dbacdy f(YowscearuNn~rtdtsnOss•are ,
ynr tnw eesmasmmdra drrrpss that You a ad to M biked to your old aeount
nuadra cad Arms to yow scaonnt U ws
Promativtts: from tbn~~ ~ tKms°~ the o~ aria tww Inp thsYwN br M sllsct
do, vw veM sotUy Yrr
Any pnpwlba k mhlrn m t1n arms o1 thk rpreemenL es modlked by t e
promoihmd oNac
FlFIANCE CNAROE6 ssbps rata
Deih Pst~iotps pqa sad Aowd Psresst~s q.~1. Ni ur~s~ °p ~ fl,tsc end fees
p-tC'iaadthseorrscpoadinY~pYPsrferRs~~d sspsrstrlY To Dn Mtr dtUy
T ~ Net h n drr aria of this doetmrsat w
padodfe ism wa dMtds do MR by 9~, snd m eReet always rwad up at the Fdth
pta e. m the ~ of the dreMnel ~ Io yrmr aecotmtmay very with changes
Vadabb Remcpn a nron APtk that epp~ ~ tnrbs with char~ss a the Pdtne
to the Prams Ram Whrn~ haw ensAtaatgG m the Prbse Rem petrRstnd ht fie
R.a, we cdeulrts tin A -Y °ddinp
INe1S6,aay. t~ssn dry.ysc betas thr Casbq Dam sbo~ aY~, Msnr
ststenntR The'Pebn Rtda' ii tin !r(pb~ ~i1A sM~S~at.kwsd st°Pr P
Rams ntaba of fie Wb1(StysaJounnt
the Prams Rau, an wigsnbot • skrrAsr nterante rstr and iMvtmyou on your blkbrp
summand a ihttsaplt s saptmm po1kt-
A'rntgh- u ~ PK as add to ihs Prams Rrm to tskuiam the APR A
'busb+ns dry M osy'"N it sMrl s wntsod a (vdsrsl hnWsY. Ths Remr srtd
Fese Tsbb shown r+ideh rates, R cry, n+ w~~r nme h dw 8Ns ih° ~" la
each rarisbb tam rtad nY asbrbnuvr datyr Psti.dic retr sad currerpondtap APR
Two busissss dtrys bean tax' DNe abatis oa Your vt~arp cummmt we •oe
what Mrs Prima lute k VYr this ~ ~ sP~rbb merpal m Uat Prime flats a pat
the APA. TM dally Pew nu ~ eaktdeled as drscrdred ebara
It ow eeauhdoa restdl~ a s cluaps is a daily peirstkt nm Mom the pradous bNbrJt
ac of the Rrst
cYeeyds bscnn bs P ar ,mss roil ~n b wh~ ws msdr the
caJculstl~ert it~ibip jerb&c nm brcnsces,yeuwkl bwea PWa met Pernd'x
tirtesca chrrge and nnY ~° m ~ ^ tapir°r m~mum prYmen:.
Dsteell amiss: Hear ~~ rii0 mrY rsry U you sn M defeuk undo ihic aprestnont
or any Darer agtsemstd Y0° hew with us or arty of our related comparris:tor aaY of
ihs b0otsap rgsvns mast ilut is trwsd on rids wcouet a any otMr
. Wr do net rwehn, for rry pry
eceouat or torn with us. et best rho arhdmtaa peymera due by the data and tees
due.
• Yoe atresd yea txedit Ra en thfs erctwnt r bark
• Yrw make a taro are tint is rat baroted by You
• Totlrssrdaat~bY~'.~WsnY~ageryowrecotmtisebsad.rvodsmsnd
irrarrsdiam ssyanrp of ytar swt°ndbrp b~enes snd wr do not ttcslvs psYmont
withb::re dme ws spsrRy~ inenass the APRs lindudinp rnYPra"bd0nsl
li eayotthns tHStdsoecws,ws auY
APRI on s1 bdrrer-s tsxolaWM ovrrdnR advant:ssi uP m r ^x% d ~ ~s a
rate stNSd la the Rrtae and Fees Trbleh d tvion ~ e~ D„t° A,tO ~~ °N~.tbe
detarmbrs yosr dsisvR rnm are bnpt
austrars,sarleaetmsrtdtlrsMr~nte~'~i~M°aopiboutyourotba nh'drnddPs
otyonr sceouat ssspe red /ids er nd inlormrdon we obuln Iran consumer
with us w any a1 ow rdrmd cotrrpard
rndhnp~oortsobtahudiroak~!~iyb lea whocdcur~s,bndt~sPPWaPwchese
the Celt dtY of the biln9 cYr
?eyr :. or
C;.u-t[trt
6alnrss ban Mu Ptrviout biNnY ~a la whah prrioU'ic Gnarce cbetgas have
not MM rbrsdy biked d-as is a dsieeh a R ws do not
q we decide not m b-enae your APR srar thrwpr
lnsneu Yrrr APR rgr a tin rrnrm~ APRR br tin avrrM o> aanyNAVrre ddarult
Tsbis, we raetn twr right
Wa mry M ow dkeratba delaadns a rbsrga rsdsred ddsd rates a ninstste
stsadatdnlest~~a~sMrcMd~t~leAr ~D~g~apArdndpaeirdiap
RsaaesClntpo andAnrs~vB>dNtuMvt-adflnalv~MNsw
N~psnpnas)arlsrelmsfa ihama eMrges
Trnseabssl tx Ddur Tisessetloss+ t1W csiatAsm Phis d trsrnacWns
ctrps»taly for tndt balstia aeocMed wiMt r d ~v esdr~s
na r~R p~ggs, bbirau vsndtm, brdtmee
oedrednaosoMsvkRwstdnKsdvnaASndneMpronisms Thtrkbowh
,~.y aort~iru dilbnat ealrpsths wiMr ihrsems da
woikF fnnncs cturpes la pacbsns M twe dqs, es loposaso
VNa etdcrdam itn Pates ~ rtdddPlY Ws d.ay bahrree by the daily
p riodk iamb dry of Uts 6Nfnp tyeh.
• Sreond. Its nab da td tM b~nY :~ ~ Rtr ~Y bsgaer
to prrrrhssas ands ~ wd Y~eysM bbyy rrs i, k~iw ea~tes
vrs do tqt do ark wt~ amp U vee reams ~, tabtkaumtmYn'sni wss
onyotappttraaasYARMrtr~sntabyvns slnadybMed osUntbdarxe
rise a N e Psdvdk iiralrse tdterg
Wa erlcubm tla pstbtflrr prteaea charges ar iartctussc subject m s pronaMonsl
nm tM snn msY. ibrass! ehar9ss taiw bdsass usadort, b/bnes vsnetsr
Ws cskrMets pai __ a...a..~aewr~4sdwartess.blranidPh'brY
thadsRybNetta ~~•~,~~viv~ib~~~~ityovhew
ihoin ubpvrhs, d°1'„y„~ with are al aw rsbtad boats. Ws orlsulsa the
tbir teetrurt a a eitrddty
p~tiadh Rsenos char n let babaea traNia:, bebrxa MNrrta checks, cash
save@vss, sad teal a~ay~ ~ sulrjscl a a prsarvMvael n1r thv sme way.
but sw use iha prvaraMaal
7e pet tM drflY Mbaee Nt sash day tat nab category:
• 1Me tike Mrs bspintMag b Ivt that dew
• iris add m thM brfstua say rnr+ trensvs8oro. ins. Drier ohsrgrs, sad debit
r ~ ~r m drat glgayt.lAh add a avw pwehass, t:edt sdveaa,
b~Uendu a atnrdraR sdtrascs, U appicsWa, to t4s dsl~rMbass ss d do
oar des ir~I sr chasit ~ tM dsNY beierae naM ~ soh dva~s
check of bslaace Mstkta rhsck is rhpodtvd by a payee, a e aster dam d our
~mbMtet Gan that bsbteca airy psyttnnts, ecsdks, or t:redk sdlastmonts that
and Mel rrs crstitsd ss al Mist day
sppWm that ~
. VW trot s endit stance a r bebncr d =as
Tv yyet_thr bephmhg brbses for nsh c fa tM midday. tvs egad ihs achy
ptuieda lYaan slrstgt+ b do drBY beisaesa R nwrv tirst- are dsiy bssvd oA rho
~ to a cs because the ism to thr ~ drat sppgrs
srrotrat~of (m ss~y ~°s~~ rt 1M red of Uxr 4~ap et~etr a eskulats Ihs
to thr svarsys ddh b°h^w ramnt prw+kss to dspy
daffy psrNdk Nvsacs alnrps esoA day Thk s9
rppgptptdiag Ol 4astxs sMtpas s wa add eN of the dray
Tv pq ihs ttxd pstiotfe Rtttuaa tdtatpa la Itn biiRrtp eYci .iap
pvthdie Rttanvs sMrYK lot neh catspay i ehtesas, ~jmy sPPht~ bNlrtg eyrie,
dm dsRy Rnsacs ehstpvs n Ia la tM ptstdous
{ vrs~wr.>f pedodls Rttmree rhsrps is dvs. ws wNi chsrpsyoo ~t
~~s vs~.aer shags stusd is tbs ttvme sad Fsss TsWs N 1t
israasstrym ddraatd~paelsarvartansobtMadrdnnmRMarnehstps,rw
sad that tmrottst a Un bsletraa for pttrebuss andu dsrNp ate btlRnp syde .
tau toml psatrce ehrrpa n ytrar secowM hs s bttiNrg cycle wRl b,1ba truer of iha
prtada 8rrstres vhargsr PN say Msnncdaa to Rpsnrs cinnrpsc
FaeecbataPetytuaoalcMMrsasrsrtw_ddMMl°'"RS aswvsacseMoss)
ar the b>~ark eYds by sddiw4 iN yow da~r bNsmas M~ art amowrt by
Mrs msabat d days M the p cycle U s ptrebdie Rrutses ehsRN ar purchases
~p Mn r bit! eyeh dtrsRss, thv wmpv tlsly lnirmev 1m Uncs
~bdsssm fs sa uir~uuTths auas wsY ityn m tM swngv dAl' bsarres ar
sostgaYlM~ls m grsrawkh'tlraaaabar
d days bt the bMMrY eyeM, Mrs to1d~~ ~ ~"'""' Rn~6s durgss trr prat
bdsaea sgriWltaWa aRrnblMap eYcb. raaspt ~ nMar sadstka dw a rourdbrp
6tecsPtrradsndppornta(llrtranClrtagssaMb scwino~siNnrra charges
onset>rAav.vrRrrwcvebapskemtMdouxk mysardsybstncv
apppayrpsrttbrlnM k rtreairsd tntytrur secsusd. NossarsGws dsnotcbrrga psriddM
tinetme ~stps tm tttrw ptrtrhr°a irlMsd drrieq r blMnk tyae R wa rttcaies ptrynnm
:ri yra: New gshnea ItY Un dt-m tmt: Mxa part tttirrMnm h ads snd wo
rsestnsd pnyrraat °t Yrrr Nsw gdatce oa year pprttrtdow n~9 itsmannt by the
dam std Mme yow PsYtnr-~~1N1SyS doe•Ttris ascaplbn a'pnca petted' eppUa arW
sdrsPp sessnessb adorn elikeks ar ostrrdnh~idrraaee:, R pRcsbb eheekt, esshh
Tntassdn Fsse for Cab Adsaraos: We mar cMrps Yn s Dash advents 1n in
Mrs amodtd soma in the Ratsa snd Fses Te61e Isr each of for tottorrhtp vonsacdons:
• trait edwnes ehsckr.
• crab rdrrrces
In addaion, H you txs a third WnY senrke to mska a paynront on yow badt end the
sawite char6rs tke payrsers to tlds ^ue~ +~ msy cherpr r tnnsecden Nr la the
psymenl
Ttwcatreu d~tuanasatitm dau owl the crdro~srwr Far r~ia~sMS orusction iw
cslr6onl
for a cash rNtsncr vvaabi be added to your cosh edwncr beprnbdrncs aendar Iw in
Trrasrdiya Frss br Bdsaw Trossbrc Wo mry chap you
IM amowrl atrud is tfir Nrtos end Fwt Tiblr la oath of the to6owing uens.etbns:
• bshnco uettsirr theatre,
• bolrner vandals cheeps. We add iM loo n tiu balance tm for rriatod
Thasr vsnsrcdoa Iras era iioeaeo
cds6ary u d tba uarrseclioa dru d IM bduxa tnrntec Fa rtrampls, a transaction
fao tar s bElrnes uunlor world b rddad to yew babnso urnsbr baHnso
0`t'il>:D IRES AND CitAnBES
Wa ,n,y dtar6s der lonervkrp pr: Tha amormu of der:r toss an Tiered fa tM Rates snd
FsseTsbN ThasrlwsvrigbssddodtothebdrercstorpnrshrsosmsdsdurinptlubilfLW
cycb- ecaoud hrs ea ranaei maabashtP lu, k w61 b. Wiod
Anaaai ktamb~P Era N Yaw is as poled la the Ratec and fort Taidol, sdrrtker or
sacb ysrr a M ruontbltr brpaNrrorr I
nrrl ywr use yen rsewail and 1~,_ ads to Poy 11 wbsa WIMd The smarat wrmborsAiP
tea is nahrdwrdabia urlass term rwnry as thtt yw wkh to eloaa your eeeouM v+Wn 70
drys d iM dsa wa nu8 yotll bRis6 suntrem en wbkh 1hr earner! raratbrrsldp pr k
ouuuadbrg bepncr is lab Yarn W m of
chat6rd earl etttro:ara dmo, yar pay Y'ow
the snard+a~w dws rrot affect ow d6m a ctrsr you rccotmt a a t war
rift 1o ndn vanac oa yrrw accarst H yow ocsowd n closed by yon
whl t:opAitnr m cbr-Ya filar annrbS maraborth~iFF fire until you pry Y~ oulstrndh-p brhmas
in taD sad trrrnkune Yata rccarm nptioa~p die dab tnd
Lass For: U vro ds Trot racalw aster m~ ~~ w~~ she's the
tbM 6 N dw rs shswrron YoW a!
tots tss r-rowa to the pros urd FesrwTr~~e os ~ owraatrmonth'a steletoort that
cair.~lata tiro htn 1u yfinq Wa Prorio
shnsve the ptr pe Thp bdaiea k for eras es do Naw Balaated rrdabaam aynnnt
nroaUr': prtaasm for which vvr did na racehn rt {feat tie roquh
by the dau and tbm h was dw
Ovstnmit FeK n yow oesouat balance i~6, ~ ~ r iw Y1h ~ chargi
cyde, roan if ody for a dew wr may d etbiaase cbat6e a Ise wo bspawd
even n your gpnae p sMtrdn aadk filar boesiicr
or a vaasecdaa vrf sWlrorksd en ovorlim6l s arsrr;acrd bNCuWscYrNSaswn ii no
bnAa6 ~ ~ ~ a~ ~~ sesoaat. n yaw acenuM babnca pii is over Yaur
new vettsaeWrrc as aredf an Yaw
crrdd ier K tttry dma duliM tiro subsaqueat biia6 cydrs
Return Ptrytttost Fro N ill Year WYaraat cha~ckk ~ ia~~~ k ~ ~twn
an aatomado debit a otkor oMarorde Wye1
e payarost aback brcrusa i Is not sipad or eaanot bs procoscod. wr meY chap o
rrlr~ paVa»m t.~ a oa s ndt edveau cMck a beueee tnnslsr
Astern ldraatr Fra: U tai svo stop P Y~
cheek rt Yaw r~.r{qwa rrtusa to pry o sash rdvoaee cheek or bdwtr tnasler
chackssrsarY rreherrd-achtw
Adahddndiw Fear: M Yw rsqurp r spry d o 16Na1 auttprrrN, wlas drfh a direr
n tvro a mom weds or any spodri services tlor
eased d yodr eerotrat a n Y~tl rl~ for theer saviees
ertea•Pp. nbtokda6 r:wds a an oxpadiud bssW. nn nny abarCs 1~bs dohs or skaiar
Hawtrva, r,ro tMM aot ahrrga you im of bddrY patamau.
ngwst f or s biRinp lees eery a:urt apahr:t w radK rBplabia
i~~ tdro~iya, for anp satvisas 6sud abaw earl oma s revises we pnvlde, ihr
lesairota>N~r rims in snort wlroa vw one the arrvk..
DEFAULTJyDUPCTION
We may coarldas You ~ ba p drlault it my of drag oscurr
• Ws do trot tredva atirop des pdnimum smowd doe by the dra and lane due os drawn
on yow bAla6 tdrtrrrm-
• You raced yew ~ M tams of this epnrment or eery eenamrM with one d our
• Yet !ai r gorftdy
»Istd cotaprniu-
• VVs dAaia brtermaliai tMtcwsrs us to boiera tbatyoa ra^Y oa urivw'ping a ono r to
pry ywr drbla >o to or u dirort on dmr
• Yon flp for b~aA~' dsoth. .
• You boeoan breapaeitetsd or in the avrd of Ya+r ow ascoua whhout nodes
ft vn sauddor Your eocouet to br in delrsb, we tnrY daso y
and ngeiea You to patrysw anpid d•laaer irtttradrtoty.Ws aiso msy n4tdn Ysu u PaY
httarsst p tiro eta d tyro p+awnt (ill a maa~r oa the rrawid bdaaaa when vn deem
yfK atxrwx b bs rbr a mme bi~rrg syeles Pap due.
Tf the nttsrd pataitud tY ~'' U you on N delauh babrucr you hrve bird to pay us,
yea wii Wy are er6aatiosr enattsti rttmnrys• tees eaurtessts. and e6 other aspansoc of
rrdordnp ore rigliu rada d~ aKeemmt
C[OgMG Yt1lM ACLOUNf
f~ ~ ~ ~ y~~m ra~~ N ~~ coU us to close yew accoaM. wa may
Wr may slow your accord st soy rims or suspapd yaw srodk prhriaget rl rely dmr for
any nrsan wilhaut prbr nodco except a regitked by eppgcabfr Irw. II we c oso your
aeemml. avr wnl trot N ibtbk to you for coy wnsoqufases nstdting from elosinp yow
eseoutd or prapandby yow ~~ P~rlw
II you a uva sbso Yen rccowd, you and eery wthorfnd seas mast immediruty pop
u g yore aeevuat snd drsuoy~ 0 ~rd~ soaNarr to krrraspon ibla is ehrr6w u your
or rstttn thorn to us upvs nqw
rceoted. ewe n they an nrdr or pracrssed rluryoar aceoutn is closed and you wt
bs required to PaY the artpradbr6 balrecs oa your scsorW eccaAaC to Ike tams of
thkouWM~nY~a~~ Im ~r1~' or to ~ lien a~ yoar ret:o~unt h~ebsid to PaY tM
L~EI16E nEAD THI~$ SAB ~R~'Y R F'iIOV~ES 7iW ANY DISPUTE MAY
8E RESOIt~ eY BiIdDp16 ARBITiNtTIDN ARBtiMTID!! NEPLACE6THE R161tT TO GD
70 COtIM'L YOU YVIII t~T QE ABLE TO Blln'16 A ClJ1SC ACTiDN OA OTNER
SENTATNE ACi10N IN CDURT SUCIi AS THAT IN TFIE FOAM OF A PInyATE
~D uG .~e~siyAass~,LCTI~di 07H84 B#IEINESENTATIYE A~ YOU WU.I
TO
~b~sa r, ~~a
it, end aNYit, srcb r ddr
w
bind rrbhredat oft
raMr; a utr aw
rnadr pmpnat to r Iranaaapn iovohdap
~ ba pdptegbM uadrr Nr FNrnl
b earordd Tbit ArbiaNbaA6raaataat
Nrsrkkk cpiarr frs drtinrd brlowlmay
sid b court
vwy is Urr
Aeeffm t ~ r• eras n~wv.......a..........._-oval
or ~~ ~ M bared oa per. pstaluo aaaltsat, d sacb as respn
oalanfn pw, aoaldlaliamlPr~da!.+xwi'rLda ~arstwnau
~tadanmtaribtj dro abiitydtkis prbar^aon
AyraaoantonMtat6ilgtdtirr tatlba CardraoanbarMnsarnitar oay ptbr Cordmembsr
Mrs Tbp Arbitrsdon ~aaatoat brcbrdee CI drK saesa k dto pep, a arise
in tie pram er Uro bAarr. As wad is dds AtbTlndoa A6roomfrd. tlir arm Cleb is to
bo given Ike braadrppfaible nwdnl• woes epims,
~ ~ nyipsiaa isduda flan prat ar0 Ada aa~a1> ~ ao' aawdinp irl
or edarvsioo. sad a party
aawrt ~, decl a vridr ntpast to eery such China sdvarned in ihr lrwssh W
ray party wPa~• rotdo tan dON m sus w r reel!
Aa an roa:opdon m tldr Arbivatpn Agsrettnrtt, ym oa an bidMdrel
cpba corn aM tdoba dntp vs6hta tbd sort's itsriNiatien rod
basis. N s pair riaatsto rrbitrslr • ddoA,dro arbMrsdastssWlr eoedeetfd aF anbiividad
rcdott. Nettltsr yes; na the egroo ro aaY rrblln9on oar :psi sr rrpir:a:oeth+a bests,
end dtr rrhluawt shag iroro no rudrrtity m M rroh Mrk. This. arosin the! awn
i r doss etdlrt pwevitat otkar nPn~°~'~, awh ar Nstp Ua prwrd r private
epaaoY Oaaarai rtdorr,lslMd,aaayyi~Sat~rabalswsaustait;tsdlo da trews mood in cosi+
Iwrsahs evil M select io ra fttttlridwl arb14'rdw dab B altlia yar w vre w deal.
No srbkradoa wit be consobdrnd whh retry edrot arbivadaa praeradh-p widroat the
emnara d d prrtlts i1M rmty Ciria+r wrl any ha Jotrrod bt ra kifwklud retina undo
dds Arbhndea ABreanrwtrn ititiroer tuoaghthy w sgaitntyw wd ray eo-oppgeanL
~~im1 eardawabeF a ratMrbud user d yew Aeemad. or yoar krin a yow uupn in
banterer or al there brotglltl by Yoe red ary fro- oal, tetra eudatoarbsr, or
rudroritrd fsa d you AetrofaA, o< Man orbs or yow trrstoa p baikrfptaY epinp u:
pisalion d Arbhretiw Thr party GYnO a Clrb in abkrrtasr p1°ri ohoosa ono of rho
lolorepD tyro arbivaaaa ~ A>prfsrrsAtbNradaa Arn-datptr; a Nrdon^I
ArbMrWaafatam.lhaa adnd~nt°n sn rm bra w Tka rdndrrlsvaur does
ad conduN der arblkfUop Aetivatirrt is ~ ender fire ndrr d rho eopetad
abilndoa ~ by oa bnpseYd ddM Pefh etiospt M roeotdawa wtb Iho rdss
d dre srpetrd .rbi>raioa admNdsvMor earl n mrt in prsvidrd p fhb Arlirvetkn
pgraattaat. Arty aYktMioa keaeki6 drat ywhhia tks p~ealaiudi~' dirvr:t h- swidck You
iba otb6prlar or ab6raaat rtltnniatrasoe _
reside K iM ttan IM ddm it ~ e<~ ~ ~ d nd- of t~ks atwo rrbh sd n
w>i~Yon may olrtrbt tropirc
ad toe, blataadoa abut erbNrrden and erbivsdoa Isas, end instrttedoas for
kddadrW arpkntioo by csmrtahq for arbhndmt edministratort es follows:
106 y1 ~,Wa6rlgswv!st'sdca~j.i1A0.771.717~orAYSwo, Hour i0, New York, NY
NeBwo) Arbitrrtias Fonw. P.0. Dar 561!1, Minnaapo{ic, tAN 55105, VJrb ciu:
www nbhrrdon-iarm aorR g~74.27fT1
Pracrdrrrs ~{ lave asaRosbla {a arWlnlioa. A sinpb, nsWd rr6iurtar wriN resoNo
gdas.Tha srbtraear ekhrrbo o irvsys-wiU- et tssp ua years uparisneo a s reGrsd
%idA i26:
.:~: °_ :7
you or uw aurY >Aridiow t!ro odor's coarrrt. lost rarndatory,
oaY eptnr, dk~rar o< eoavs~by aNhtrr yea rr w apainrt rho
_ .__ ... -- altistes. biaaOcbirirs, films or
or tormetiwYr Tha arbMrrttou wW bs eonduet~ urda the. rppicaMs proudwes
snd rrda d tM srbarstiw ~ nd rvkc en ~srconrttiasK rw'eh th~b AtWtrrtioa
b tiled utiNtr Char ptoa
A~paurd, in wbiab ear tkb Agnaaria wU prml Thrso procrduru sad rules
my IimA the rmsuwt d disaoorrY rwirWe to yor a rc Ths arbintor wiM rPPIY
spQRerblr sabstsMivr tees teaktord with 1M FM red epplfcrMa ststau: of
fimrtathmr, snd wW honer ekbas d Mirth rreogaitN st pw Yra unY chorea to
have a herriwg rsd br nprsseMed by cormal ~ a~ con~attid hd ramsda,
stsppec __w~ ptslset cncltmnr Aceouta hdsrau-iea
bratvdts0 Ors ass d pntadw Arden tr prelriMt dkrelaarr out:idr tM amibi ~ddon~
it rr>:wstrd to do et by ya or w. Ths rrbiktta wfi bees for P+~
pparty my drtargrs or aWa mid prt~wisdrs~,d to radrr tppgcrbk bw and w~ not
hats tin ptrrrrr is awed rrtM ~~sirw irlkain* bsnsNt of any ptxson who is
not r psrtY a the praKSSd''q sseb rsisb tb rrbltrstst aaY
sward ~!~!'r dsmrpa ar rtrrrwry tars The uittrua triA mrdcv ~ysward is
wrAhrg +a nssd rrot preside s gstsrwst d reuses tsr~s brt~e! st~itas.M of Obis
Upart a rtgnrat by yar sr tn, tlrr srbitnmr wTil t~
naaonr tar the amsrd~
Cas1r. Wr orti tw~~ Ya ~ Orr hdtiai rrkdtrdior ENrW In eW byyoa vp is d-s
amount d St110 itpsw rraipt d prof d MMmsI.AMhisnsNw~ dtsrr s r Msrhrg,
vvr wf1 pay rtry tat d rrbAtstar snd rrbhrrdos rdrrndcttd ut wiN br andr
days d hart brstlag~ 'Res pryarrwt ~ by Pb sr ~ ptssssnt to ihh
dtreatJy is tlrr a-bitraia rieebdstr
~~,~ ANr ~ ~tsss wWl bs ~ Hwwsosr~wt w~AI tdvarcr w
the arlrArrtirn trMewrtr PIS a rrbhrrtor
ntndrwa I~g Ir-ss sad rdtsr lac N Orr erhiurdoa rdmiAtslnta
drbradaa there ~ 0~ rNmsa isr ntprMial as u da so a yrr rdc as and wr
dotarmiet Oran it pod crtas tar dtdag a Greh PwY wN bar ihr rspraee d 1hr
teas wad costs d t psrty't rbwnryt, aD+rtc• veiorrasas. daumrru snd other
axprN+sas, ~sx d uvbieb l+~Y P-~q+, for rrbhnOoa and ssY appear lea
azcrpt dirt tree srbhrster shd ~ say rpplk • Irw la
drwnrbrinp whsl.ar a party thouN rocorar err a eN rc and costs Iran snotha
PrriY d in raiorabq thfs Arhiuetion
EafarasmsaL fhalhy, r~k Friura K >nY rCMbnc,widrriconttiurtr
Agrsemmt d arrythas, or~ is ena+r~a with rep'
s wrivsr d sny fl fbds to ngdrr rrWrrda rl aisle tkrrr a k eonsretios whh ray
o1hM' CHitrs Any drdsbn nadrrd h sreA rrbltrMler proeading wNl M Anat rnd
bhrdinQoalhrParlirs.urbasrpMYrP altbrorlbrO~tMrrbllntionaYrtdsrtion
vrAhin 30 drys of Irsurrur d for r~TM rppartwret nt~s srwN ~biretion
heroes r pawn d two mural ai6lustors dad'a»d by
orQsnhwtita 71rr ptridw0l rrtaaddor rN taonni tad Myrl ~+nd mr~tu daehions
soma ruin that rroltr to r ptarardia! trakr/ r r
based ea the you oft Ut+ ~M ~+~ tarty wit bstrOrtir owe Isis, oosts snd
szpasrsrstoralryappisl,btasPani' m-Yncowr arrr or rM itrt,costs rsd atpanwt
trora rmatba Party, A tMmar~hY el Oa Pond d rtbfuatac, rPPiYIM t/pperbtr
taw, se duKr~+ Aa ttdd ~ rrbkatlrn wlt N adortutbk is provided by the
FAA ac odor appiaabls Itw by tmy creel hrtArg lam'
Sawrsii~ amvisrl. Thh ArbkrtYsw Agraaurd ~s+ri ny~oaririp brtwr n
chsasOssia 1aa CsrdatmbarMMnrwraq, tbs Ascrtrrt
you red rr arrrarrwit~ iht AtaouM. slrair a do ! d r new secorrw awaber
w the trsndrrtln0 a Ibr Msnaa hr tba Asasat to raoiirrr tesmunC ~fl• the
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snd P•Ya»at d dt. d.~ hr1 by Ya a by s taw Parr u ray Ponlon o1 tbk
Arbifrrtion Agrasawtn h dated iavs a veedan , the rsmshdng portions
Grp ravsrthdra rwwaia ie ttxer
CNANBEi 7D T}tfS ABAlBA1SiIT
Vyrt can ahragr thk ttgrrserrrit rt rrrytims, n idhss d whether you have. ar.rns
to yaw acctnrat by adt~tL ~~• a " ~ M° Ow tigla to add,
drista, a trrodltl' prmdsbra bchidrt Atwadri [rrtrs, reach rt tin APPS snd less,
snd ether tarrne ~ as rrt asaxr, udard, ad aidarcaaat d tM rights rnd
obis Ya x wn sauuyybevr rdttbrpta fhb egraaaars. NlodiOntione, rddidons,
ar dsladans ter erNrd'ChMrgte' of r 'Chragr'
iNs trrpl tro1MY Ya sl airy Chrngr N ngolrad byappierbh ores These Chrnges eery
br altacdw whh nrdcr awM. rt the Onn strt+d tTrrrpa w31~ rPpIY Io dthr unpaid
rppResbN bw Lhdas wr ttrtr otaarrrlse, ray
b an aw 1Ka rcaaat ad W new parradoas
TM nodes t~ d•Kfir aay d01Ns 1r°u my h+r'r whk r~pFor ucrrarp~ ir, tirtinotkr
the cansstp~ta N Ya do K ds at,l s a dreee dg
airy ttaU Ordt ya eat' nodly rt In by s spsclArd daft N you da nd went ro
eoaapt attain ClaaOrs rw ere ma+uN " y0D p°Uh` w h' "n~n0 ~ You do na
roaapttaaChanPa,Yowraeansa aotsd~Nhiraotrhndycbsedlsndyar
w~ w triNgatrd 4r Pq'Ya- TMRa~/rtsnca radsr the sppEcsbla hrmc d Orr
rorermrat t1 yes do not adMY p+ b rcr by ph bete sttud is der notke. a H yes
no1Ay rt btrt tut Y~ ircearM rt{a On NN grtrd is On atdicr• you wit bs
,:ar~„ut m reeapt eN ChtrrrNs b Pte nct.:r and is ecnpt and contkm aA terms c:
ypyr epnanrnl red r>I Chrngrt In Prior nwkss wr Mve sent Ya ngadbes of
whattoryothrw aoeass nYour saeouni
C1A~ IhtF0ltNiftlBN
VYs may pstfrdarpy reviswyour credh history by sblthrkrg tnlormrlion Irom credo
burrres sad othrrc
Wr m report hrlormetion rboel you rnd your sceruM to andt banes, including
your ratan u Pay ut on tiro. byoa ngwat sddbbarl ends oh you eeaouM fa
others, wr mry spat aeeoara mlormadon m raw nrmrr es wog u In the nernrs of
thaw odror prapb
1t yor Drink v+n hws nporiM iaseerrrtr hdaarttfen to ^ erad- bones, yes may
wriu to ut d for Crrdmsatber borvks rddrass Artrt.~Y~arr ~rrud,bri.f
Pkssr inabrdr~rrue inner, rddrrst, seeotad twnbar, r • ao d the audit bwrru
dsrar~doa of the problear N arraAsbN, pirast prwid PY
npoAb ~rrstbn W, v~ promPUY ~s~s tM nrttrr,nd, it ow isvrsliDtrlion
shows tAN yyoouu en right, sw wir eoalsel raeM usdi bwsea to wbidt ate reporud
tln hderaraNa rod wM ngarsl drrY cornet tM sport N wr diarorrr wAhYou shK
ow irvssdgrtirq, wr veil td yes it wrhbrg a by tdrphoar yVr wNl rNo notify Ora
endh bursa thrt t~- dic-+~ the bdotmrtlon urdrss yso tat us know Ntt you no
towger ditptAa the latorsution
NOTIC~1CtIAH6E pFPEASOHALMfFORNU1TtDN
Wawgraadctrtds, strtanostssadtrtMrrrtksstoyosNdrrrddrres>diswrt
is ar INa. OG &ItaAMt:l~~orrs d you wlgonsoe~r w rA ~
you~iad~aN d yes w1N twwsY rbipstad ow 1M reaarrwt
p yoo ywtrr ntanr, rddrsa, a haa, erAWrr K bwbrrse tdrptnas awnbr
~ ~ err Q~i s~uMt too n~crirr bltit~ rxslrwrnis or dhu ooOsrs ortNab
~. wrltbr, d Orr rddraws rharen ow year biMisti
statemrrd.lAh atty. rl sw ecaapt nratgng rddna cernclbnt Irsw tba
la erraarirrr >trtviet ar orMra6on, s e ~ rdikscs~ir loirpho~irr rarratrbr rs~wsd~rs
rn~tr ANO REC4BD us~
IN6
Ws, reed M spriasMs. au rp~s auY~ Ito rnd rsawd your -sMplrvsr ergs wkh
irdliru ~ cd N +PPM Y+~• ro+Y do sn, wlnthu You or we
INFORNfA710N SHAAA'i6
You rtnhori:a to to sfim crArbr inlmmrdoa rboutyou rnd your rcrouMwWrhr our
trmiy d ctrarprairA ~ with WMn ontrids ar batAy d eemprrhs trcgwSwy rmr
carryrrayarargridtrdmrwlrtrr~~ ~ !,~ Ia ~wy~ s ~ ~ rr orivs sin
by Irv+. Des Pdrraoy I'+~+Y. dnnsgirRdaser~rsaulydormatbn
a rprlMirulmaaalrcrhndrrYe^r
eUers rnd Ibr ehrtart Ya haw rod dhredorre you mry t~r+ w rbout
our tbrdrp d ~ aboel Ya rM ~ satoad wpb comprnias or
oryrriWleirs wrkbin tai otrWda d our IemilY o ernrprrrin
tllpi0~ ~ g~ rsry
of other u++ r d ore IrtnNY d acmW~s uaM~ you r s~r~s the
dieebara er tmtrrs On dissbssra feria uMra arahar srerpgau )n the Irrr tech
rt sowing idetraalia>. pttuass yow uraacdnK or is raeporoa b s aabpoaad.
yarhenbytgrndrr4Nlnacbtttanetto.sraahrOwrp t:ebtroptoutdasetirrd
N oar Priwry PeNcY, Yes ort) br dttand to hrva r ra m char pasoarl
brlrrmadonwsharss~ t y~rhhFrreltrdil t>tri eommpe~niss)~whire a~nprnlss oar adr rr
~iut~ds d err irmiy of coarpsdss
E61FOA6pd01N15 Atili1~11'
yh cegdrlryrdrrehrp awe rdtna any d our riyMs undatNs rgrraarrrtwwlrout
rn~kta~ui is M tanntotaat6leiq od~ia t~amsiwi~l rnn~ fn ~ i nt~ rgnrorent
ASSIBMMI~IT
yyq tart' stttd~i Your rcctwaa, eery rwwwrls.yon ovn nrr or eery d twr rights rnd
ab~sadsr Ods pr~rrrtntm r thhd TM prrwa w whom wr rake tiro
rs tri ba sr~ed to rot' of oor t tMt ws saiprt to thrt prrsan
Ot1VEgMNG UpN
THE T91~AND ENfDi1CBdEiii OFTIDS AiilEBdEN'f AHD yOUN AtxDtNtT SHALL
BEGDVEiM~IWDA~tF~.PIIETECINdw'COBRA!'rEVYi~fiL•DEMI.LatlWiw~J' TD
THE t]ctBfT S7i~tTE tArV APPLIES, TiN: LAW DF D~VIptAE, WtTHDUT t~6rif~
TO COHft.ICT•OF•U~Y PRNiCIPLES. THE lAW DF REWAti-IlE, WNfAE WE ANO
THEACCRIA~ AltEt.OCATED,WIUAPPIYNOMATTEA4VHEAEYOUlNE01tU5E
FDAINFOlM1AiiR1i
Hat erp der Grrdarrmbp Savfeo 1rUphons rrumbrr on your end or bAlinp
ttatrs>wM N you hrtrr pry qurcOons rborrt yow rccouM a ihh sgrermorrt
TOUA OA,iAi0106itfS
lfrrp This Naikr For Frtue Uso
aodba ~ ~ ~farpll~roAtcintormatlon rbarl yotrc riOwC rnd oar rasponsibiidrs
NotAy Us 4 Car Di BBErt~sa Or tlnssOoos Abort Yrts Bili
N you thick yar bIN k wroeg, a d ou nerd wtsr. irdorurtion shout r uantrciioa
enyratbiN,tNtRsus ar mprrttr shsrt ntbrLbrdaraarbrr Srrvlar rddrras shvvm
on your t~rq ttttrnerrt Wtai to ra rs soon a potrslblr Wr runt hsu Dan Ytw
ao lrtK lose N days Ma to cart yes der lust bti oa which the rna or probism
•pptcrd w.:^n tekpitocs t>:. b~rrt~rm Cro ~ not poser vb your rights
In yow htlrr, give us Orr loiore(og
• Yow wMn rnd eeeorrt prmrbar
• Thr doN.r rtwotmt d the s~~sspprend sna
• Drsar)br tin error and t>~NNr, A Ya ass, why you brlbrs drrn is on error i you
nerd Aron falormetion, drsuibv the lino you as wot err rbrut
It you hear rrOrahsd a tr pry yore credit cad 6A1 rutawtkrAy Ism yaw savbrgs
or cbraldno aetomd, ya can stop the psymatt on eery rmruat ya think a wrong
tM e~~p+ya+ ~ Wod tr occurs rt bast tMu budnoss drys bdaa
Your Aipbis Aad Oar AnprruibillBu Aher 4ys Aacriv^ YenrtNttnn Netite
~i(tr+dL RL:.......
the ~WbhM 90 dsyr~+n ws'1 eithorrcl pie err~er rphia vrhy wa begare tiro 1dW11
wss correct
Altar we rscah!e yow wa esmmt W to eobct amt omootn yoo question, or rsport
you as depngwm Ylh cea coalinrr to b~ You iu the arn~at yoo 9ueoflon, including
tinenee ehs-pes, sad rw cans eay unpcld emanN epaNrst goer credit IhH Yon ds
aot hsa a ply any emouM wtiAe rvs en hrvepipetlnp, bet Yw en s1iA
obppeted to pey do gene o(yow bap drrt en nrl~ ~ hrw w ~ ~ iwwnu che-pes
N wr rind that we made a reMsks as year aril, ymr
misted to aay tpetihraed emeeat N wr dMa'r tasks a mhtrko, You a+sY how to pey
smountin~ddreeresse~wswUls.ndWUesta~~moitha mantyanovwsadwilrodeu
that k h: drn ate msy upon Yoe es defmgtrent
q You lad b pey tbs earosrd ihrt we thiait ya+ owe,
Hawewr i<otK utptenrdtm doss not srdsfy ncad yor vrtke -e estailidn tp drys ulfmg
questioaibed ytwr idM f>mi. wr mast ~ ~Ute errt» o(seiryons the npon~ed you to
1Ns must uM erryoere ew report you to that Ure rruttu has hem ratdrd bstwe.n us when
it GnaNy k
1(wr doa't hrMew these rules, we cea'Icoprct Ihs first S50 00 of Ure questioned emaunt,
oven Nye~r bit tNes cerrrct.
Spseisi Noler for Cnd11 Cad Pwcheses
It you Mee s probNert whA tAs spry o(MoW nY ~ servkss that you lusrd with e
credt cud, sad Yoa hsYr uNd b Wed IeUh to cwnct tM pro6dem whb tAe merehsru,
you may haw tlrs rapid nette}}~~YY ttts rrmsinitrp rtrrarat da on thr propmtY of euviteu.
this right doer trot sppk N check asasscdens TMn us N+o Aadtetions oa this ripbk
(e- Yoe must haw rusdelM pero-rw br Yowhoars stets or, b trot tviUda yom home elate,
whhin tpp raprs cl Y~r eaten! arepinp eddrssG end
ib) The purchrse prier reap bees Nsa ttron then 39gpp
sdvertisaneM w dreapr p~ pr ssnlco apsrNs the merchant„ rtr i(we meAedyoe the
GopyrigM ~p6 JPMwpmr Chesa & Co 0.N r{phm nsetved
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S.
4904 relating to unsworn falsifications to authorities, that she is Angela S.
Szlezak, Manager of Chase Bank, USA, N.A.., plaintiff herein, that she is
duly authorized to make this verification, and that the facts set forth in the
foregoing Complaint are true and correct to the best of her knowledge,
information and belief.
(Signature)
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SHERIFF'S RETURN - REGULAR
CASE NO: 2007-05414 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
HAUGHNEY JOHN J
RONALD HOOVER
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
HAUGHNEY JOHN J
the
DEFENDANT at 1927:00 HOURS, on the 17th day of September, 2007
at 1175 FLEMING DRIVE
MECHANICSBURG, PA 17055
T/1T TT.T T TiT TT/"~V7~TL1V
by handing to
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 10.56
Af f idavi t . 0 0
Surcharge 10.00
.00
o f ~, ~ /b ~ ~,,. 3 8 .5 6
Sworn and Subscibed to
before me this day
So Answers:
R. Thomas Kline
09/18/2007
WELTMAN WEINBERG REIS
Deputy Sheriff
of A.D.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
JOHN J HAUGHNEY
Defendant
No. 07-5414 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#06122640
Judgment Amount $ 5]79.48
THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-5414 CIVIL TERM
JOHN J HAUGHNEY
Defendant
TO THE PROTHONOTARY:
PRAECIPE FOR DEFAULT JUDGMENT
Kindly enter Judgment against the Defendant, JOHN J HAUGHNEY above named, in the default of an
Answer, in the amount of $5979.48 computed as follows:
Amount claimed in Complaint $5479.48
Interest from date of judgment
at the legal interest rate of 6% per annum
Attorney's fees ,00.00
TOTAL $5779.48
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.
W ~
By:
WILLIAM T. MOL AN, ESQUIRE
PA LD.#47437
Weltman, Weinberg & Reis Co., L.P.A.
2718 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
W WR#06122640
Plaintiff's address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7°i Avenue, Pittsburgh, PA 15219
And that the last known address of the Defendant is: 1175 FLEMiNG DRIVE, MECHANICSBURG, PA 17055
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
JOHN J HAUGHNEY
Defendant (s )
IMPORTANT NOTICE
TO: JOHN J HAUGHNEY
1175 FLEMING DR
MECHANICSBURG,PA 17055
Date of Notice : ~,~` 3
WWR#: 06122640
Case # li 1 ~ ~~1"I'C~ y~~.
~~ ~~
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 : )~(I~MG~J W bb L~vwor-
PATRICK THOMAS WOODMAN
PA I.D. #34507
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 KOPPERS BLDG, 436 7TH AVE.
PITTSBURGH, PA 15219
~ -x
IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
JOHN J HAUGHNEY
Defendant
Case no: 07-5414 CIVIL TERM
NON-MILITARY AFFIDAVIT
The undersigned, who first being duly sworn, according to law, deposes and states as follows:
That he/she is the duly authorized agent of the Plaintiff in the within matter.
Affiant further states that the within Affidavit is made pursuant to and in accordance with the
Servicemembers' Civil Relief Act (SCRA}, 50 U.S.C. App. § 521.
Affiant further states that based upon investigation it is the affiant's belief that the Defendant, JOHN J
HAUGHN EY 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, JOHN J HAUGHNEY is not in the military service.
Further Affiant sayeth naught.
~~~
AFF
SW RN TO AN SUBSCRIBED in my presence thi~~day'
of .1
~~t~ ~. CFP"FN~NSYL_ VANIP-?
~ ~ ~'
NOT Y PUBLI ,,~
~`'' ~ ~ ~ ~ '~, 20'10
f~~_...~_ ., ~~ at._, ",....
This law .firm is a debt collector attempting to collect this debt for our client and any information obtained will be
used for that purpose.
Request for Military Status
Department of Defense Manpower Data Center
Military Status Report
Pursuant to the Servicemembers Civil Relief Act
Page 1 of 2
DEC-04-2007 11:33:49
''~C Last Name First/Middle Begin Date Active Duty Status ServicelAgency
HAUGHNEY JOHN 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: htt~//www.defenselink.mil/faalnis/PC09SLDR.htm1
WARNING: This certificate was provided based on a name and Social Security number (SSN) provided
https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 12/4/2007
Request for Military Status
Page 2 of 2
by thf~ requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID: BCONTSVJZMC
https://www.dmdc.osd.mil/scra/owa/scra.prc_Select
12/4/2007
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-5414 CIVIL TERM
JOHN J HAUGHNEY
Defendant
NOTICE OF JUDGMENT OR ORDER
TO: ( )Plaintiff
(xx) Defendant
( )Garnishee
You are hereby notified that the following
Order or Judgment was entered against you
on ~~27
(~) Assumpsit Judgment in the amount
of $5779.48 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.
(~) Entry of Judgment of
( ) Court Order
( ) Non-Pros
( ) Confession
(xx) Default
( ) Verdict
( ) Arbitration
Award
Prothonotary
By: ~ b
JOHN J HAUGHNEY PR ONOTARY (OR DEP Y)
1175 FLEMIIVG DR
MECHANICSBURG,PA 17055
Plaintiffs address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7`h Avenue, Pittsburgh, PA 15219
1-888-434-0085