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THIS IS AN ARBITRATION MATTER. ASSESSMENT OF
DAMAGES HEARING REQUIRED.
GORDON & WEINBERG, P.C.
BY: FREDERIC I. WEINBERG, ESQUIRE
Identification No.: 41360
JOEL M. FLINK, ESQUIRE
Identification No.: 41200
1001 E. Hector Street, Ste 220
Conshohocken, PA 19428
484/351-0500
Atlantic Credit & Finance Inc.
Assignee from Household Bank
3353 Orange Avenue
Roanoke, VA 24012
VS.
MICHAEL S BRETZ
1601 LETCHWORTH RD
CAMP HILL PA 17011
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. 07- (o lb;t eivi ( I xM
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 WITHIN 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 MAY PROCEED WITHOUT YOU AND A JUDGEMENT 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.
CUMBERLAND COUNTY BAR ASSOCIATION
32 S. BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
t ?•
COMPLAINT IN CIVIL-ACTION
1. Plaintiff is a debt buyer and successor in interest to
the original creditor as set forth in the caption of this
Complaint.
2. At all times relevant hereto, the defendant(s) was the
holder of a credit card, which at the request of the defendant(s)
was issued to the defendant(s) by the plaintiff under the terms of
which the plaintiff agreed to extend to defendant(s)the use of
plaintiff's credit facilities.
3. Defendant(s) accepted and used the aforesaid credit card
so issued and by so doing agreed to perform the terms and
conditions prescribed by the plaintiff for the use of said credit
card.
4. The defendant (s) received and accepted goods and merchand-
ise and/or accepted services or cash advances through the use of
the credit card issued by the Plaintiff. A true and correct copy
of the Statement of Account is attached hereto as Exhibit "A".
5. All the credits to which the defendant (s) is entitled have
been applied and there remains a balance due in the amount of
$2,811.25.
6. Plaintiff has made demand upon the defendant(s)for
payment of the balance due of $2,811.25 but the defendant(s)has
failed and refused and still refuses to pay the same or any part
thereof.
6. Defendant's last payment on account was made on
07/30/2004.
WHEREFORE, plaintiff claims of the defendant (s) the sum of
$2,811.25 plus applicable costs, interest and attorney's fees.
GORDON & WEINBERG, P.C.
BY:
FREDERIC I. E BERG, ESQUIRE
JOEL M. FLIN , ESQUIRE
Attorney for Plaintiff
P01A.DB
VERIFICATION
FREDERIC I. WEINBERG, ESQUIRE, hereby states that he is the
attorney for the Plaintiff (s) in this action and verifies that the
statements made in the foregoing pleading are true and correct to
the best of his knowledge, information and belief.
The undersigned understands that the statements herein are
made subject to the penalties of 18 Pa.C.S.A. Section 4904 relating
to unsworn falsification to authorities.
/7<
FREDERIC I. tINB G, ESQUIRE
• V'
ATLANTIC CREDIT & FINANCE, INC.
V.
MICHAEL S BRETZ
AFFIDAVIT OF DEBT AND VERIFIED BILL OF PARTICULARS
The undersigned being first duly sworn according to law, deposes and says that she is familiar with
the policies and practices, as well as the books and records of the Plaintiff with respect to the matters
stated herein, and based on information and belief states as follows:
1. Plaintiff's principal business consists of purchasing charged off receivables.
2. The Defendant defaulted on Household Bank Account No. 5437000413950033. Said Account
was charged off on April 30, 2004 in the amount of $3162.65.
3. Plaintiff purchased or was otherwise assigned this charged off account along with other debts. As
a result of the foregoing sale and assignment, the Plaintiff succeeded to all right, title and interest
in the charged off account, and it now owns the account.
4. Plaintiff conducted a due diligence investigation to determine, among other things, the accuracy of
the account information provided to ascertain whether the statute of limitations was a bar to
demand or institution of suit. Further, Plaintiff and/or its predecessor entered into a contract where
the predecessor made representations and warranties that 1) it had clear right, title and interest in
the account; 2) the account was free and clear of all liens and encumbrances; and 3) it had the
power, authority, and full right to sell and convey its interest in the account.
5. According to Plaintiffs records, the last payment date on this charged off account was
July 30, 2004 and after application of all payments, credits, adjustments, and lawful offsets, if any,
there is still a balance due and owing on this indebtedness of $2,811.25.
6. The internal Account Statement of Plaintiff is attached hereto as Exhibit A and displays the
account information that was provided to Plaintiff at the time of purchase and assignment.
The foregoing is true and correct to the best of my knowledge and belief.
By: _ ( ll?
Heather Clary Assistant Director of Forwarding
Subscribed and sworn before me on May 23, 2006.
2 OF
%.Oj;h9Q1N?R ?G
No lic: Jason Bailey °.qqy p??•..•'
M C 'ssion Expires: 12/31/2008 •''•• ++++``
THIS COMMUNICATION IS FROM A DEBT COLLECTOR
Gordon & Weinberg, P.C.: DAFPMT- 762746
Atlantic Credit & Finance inc.
Qur ount ID: 762746 S us: LEG Reaort Date
5/22/2006 8:59AM
Account Number. 5437000413950033
ISAWt L 5124/2004 Closed: B4ttrne-SL
Qrlain Balance $3,162.65 Interest Rate: 0.00
Ampunt Paid: 5351.40 Last 1nt Date: 5/24/2004
Current Balance: $3,195.58
b!4'tS BRETZ, MICHAEL S
OtherName
Btroetl, 4245 CATALINA IN APT L
S3 HARRISBURG,PA 17109
$$N - Last 4 Diaits 2130 !m
HomePhons 7175269820
NodkP.ho" 7172140096
PAR Ilot! MgWW Check No 10vok*d Amount Commeal
6/30/2004 PA N 1 $175.70
7/30/2004 PA N 1 $175.70
Payment Typo TV,' W. TC - Payment Confidential Property of Atlantic Credit & Finance Inc.
Payment Type TUR, TAR', `PCR' - Returned Payment NSF Page 1 Of 1
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SHERIFF'S RETURN - REGULAR
CASE NO: 2007-06702 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
ATLANTIC CREDIT & FINANCE INC
VS
BRETZ MICHAEL S
TIMOTHY REITZ
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
BRETZ MICHAEL S
the
was served upon
DEFENDANT
at 1500:00 HOURS, on the 16th day of November-, 2007
at 3516 WALNUT STREET
CAMP HILL, PA 17011
MICHAEL BRETZ
by handing to
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
Sworn and Subscibed to
before me this
of
So Answers:
18.00
26.88
. 00 10.00 R. Thomas Kline
.00
54.88 11/20/2007
GORDON & WEINBERG
By:
day De ty Sheri
A.D.
Nar, 13, 20?7 9:09AM VUMkerlanq Co, Shari
r-
R. THOMAS KUNE
Stww
EDWARD L. SCHORPP
Solkitw
One Courthouse Square
Cadis{e, Pennsylvarda 17013
Tb:
No. 8 3 37 P. 1
RONNY R. ANDERSON
Chief Deputy
JODY S. SNnTH
noel Esrtete Deputy
po Agency Control +a-
Address Information Request
Please fnraish this agency wig the new address, if available, for the following individual or verify whothea
the add, given below is one at which mmil fm thie individual is currently being delivered. If the
following address is a post office bm please fiffaish the street address as recorded on the box holder's
applimlioo form.
Name: Ime'o-?fire
Last Known Address• ?G? r L?'i?=/??iorG,T? ?' _
I certify the address inftmat km for this individual is rcq`*ed for the pacfor neace of this agency's official
duties.
(Si of Agency OfficiaP)
(M)
For Post Wee Use Only
() Mail is delivered to address given.
( ) Not Known at Address Given
() Moved, Le$ No Forwarding Address
() No Such Address
Now Address
SI !o G'UQ????
00= (specify) Sox holders' Street Address
rocv?? _-
Agency Return Address )?ostmark/I)ats Stamp
please fax results to the Cumberland County 5herifi's Office. Number (717) 2404397
Address Information Request (Required format)
Hxhibit M.aab PA
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2027542
GORDON & WEINBERG, P.C.
BY: FREDERIC I. WEINBERG, ESQUIRE
Identification No.: 41360
JOEL M. FLINK, ESQUIRE
Identification No.: 41200
1001 E. Hector Street, Ste 220
Conshohocken, PA 19428
484/351-0500
Atlantic Credit & Finance Inc.
Assignee from Household Bank
vs.
MICHAEL S BRETZ
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. : 07-6702
NOTICE
Pursuant to Pa.R.Civ.P. 236 of the Supreme Court of Pennsylvania,
you are hereby notified that a judgment has been entered against
you in the above proceeding as indicated below.
LL Judgment by Default $3,113.63
L1 Money Judgment $
?L Judgment on Award of Arbitrators$
?L Judgment on Verdict$
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL
ATTORNEYS: FREDERIC I. WEINBERG OR JOEL M. FLINK, ESQUIRES AT THIS
TELEPHONE NUMBER: 484/351-0500
PROTHO OTARY
2027542
GORDON & WEINBERG, P.C.
BY: FREDERIC I. WEINBERG, ESQUIRE
Identification No.: 41360
JOEL M. FLINK, ESQUIRE
Identification No.: 81894
1001 E. Hector Street, Ste 220
Conshohocken, PA 19428
484/351-0500
Atlantic Credit & Finance Inc.
Assignee from Household Bank
VS.
MICHAEL S BRETZ
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. : 07-6702
PRAECIPE FOR ENTRY OF JUDGMENT FOR WANT OF AN ANSWER, ASSESSMENT
OF DAMAGES, VERIFICATION OF ADDRESS AND NON-MILITARY SERVICE
TO THE PROTHONOTARY:
Enter judgment for want of an answer for plaintiff and
against defendant(s) above named only and assess damages
certified to be calculable as a sum certain from the complaint,
as follows:
Principal $2,811.25
Costs (Complaint & Service) $302.38
Total: $3,113.63
Understanding the false statements made herein are subject to
penalty under 18 Pa.C.S.A. §4904, Unsworn Falsification to
Authorities, I verify that:
1. The last known addresses of the parties are: Atlantic
Credit & Finance Inc.Assignee from Household Bank and that the last
known address of defendant, MICHAEL S BRETZ, 1601 LETCHWORTH RD, CAMP
HILL PA 17011.
2. The annexed notice(s) of intention to file this
praecipe was (were) mailed to all parties, defendant and to their
record attorneys, if any, after default occurred, and at least
ten days prior to the date of filing of this praecipe.
3. The said defendant(s) is (are) not in the military
service of the United States or otherwise within the coverage of
the Soldiers and Sailors Civil Relief Act and is (are) over 18
years of age.
AND NOW, this 2pF7 day of 2008 Judgment
is entered in favor of the plaintiff(s) and against defendant(s) by
default for want of an answer and damages assessed at the sum of ,
$3,113.63 as per the above certif?patipn. A
Prothonotary
GORDON & WEINBERG, P.C.
BY:
FREDERIC A WBERG, ESQUIRE
JOEL M. FLINK, ESQUIRE
Attorney for Plaintiff
GORDON & WEINBERG, P.C.
BY: FREDERIC I. WEINBERG, ESQUIRE
Identification No.: 41360
JOEL M. FLINK, ESQUIRE
Identification No.: 41200
1001 E. Hector Street, Ste 220
Conshohocken, PA 19428
484/351-0500
2027542
Atlantic Credit & Finance Inc.
Assignee from Household Bank
Vs.
MICHAEL S BRETZ
TO/PARA
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. : 07-6702
NOTICE OF INTENTION TO TAKE DEFAULT
MICHAEL S BRETZ
1601 LETCHWORTH RD
CAMP HILL PA 17011
DATE OF NOTICE/FECHA DEL AVISO: February 5, 2008
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE
PERSONALLY OR BY AN 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 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.
CUMBERLAND COUNTY BAR ASSOCIATION
32 S. BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
GORDON & WEINBERG, P.C.
BY:
RIClk.- WEINBERG, ESQUIRE
M. FLINK, ESQUIRE
P10D-2
f
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?*a
GORDON & WEINBERG, P.C.
BY: FREDERIC I. WEINBERG, ESQUIRE
Identification No.: 41360
JOEL M. FLINK, ESQUIRE
Identification No.: 41200
1001 E. Hector Street, Ste 220
Conshohocken, PA 19428
484/351-0500
Atlantic Credit & Finance Inc
Assignee from Household Bank
vs.
MICHAEL S BRETZ
TO THE PROTHONOTARY:
2027542
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. : 07-6702
ORDSR TO SATISFY JIIDGMBNT
Kindly mark the judgment entered February 28, 2008 in the
above-captioned matter satisfied upon payment of your costs only.
GORDON & WEINBERG, P.C.
BY:
FREDERIC I WE NBERG, ESQUIRE
JOEL M. FLINK, ESQUIRE
Attorney for Plaintiff
P005
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Co